Search found 775 matches

by 2015
Tue Oct 17, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 59
Views: 2993

Re: how long did it take to get used to retirement

I am not retired, but I imagine it would take at least a few months. Even if your identity was not tied up in your profession, it seems like a good idea to slow down and acknowledge the huge role your job played in your daily life, to honor the act of moving beyond one season of life and into anoth...
by 2015
Tue Oct 17, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Advanced protection for Google accounts (Gmail and Drive)
Replies: 8
Views: 674

Re: Advanced protection for Google accounts (Gmail and Drive)

The Advanced Protection Program safeguards the personal Google Accounts of those most at risk of targeted attacks—like journalists, business leaders, and political campaign teams.
Since I'm not a journalist, business leader, or political campaign team member, I'm not going to bother.
by 2015
Tue Oct 17, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidies / HSA accounts / advance premium subsidies / Questions
Replies: 15
Views: 1282

Re: ACA Subsidies / HSA accounts / advance premium subsidies / Questions

Thanks for the detailed response! Can you please explain why you think managing income for the CSR's will be short-sighted in the long run? Personally, my retired income is not low enough for CSR's--I think! will have to double check when I dig into this after 11/1. I am retired, with income source...
by 2015
Mon Oct 16, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6782

Re: How long for hedonic adaptation to set in?

So I'm driving on Burton Way through that horrid Beverly Hills this very morning on my way to pick a friend up at UCLA after his colonoscopy. What do I see? Not one, but two , Rolls Royce autos in front of me, side by side, one probably worth about $100K more than the other as it was a convertible (...
by 2015
Mon Oct 16, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1224

Re: ACA stay below 250% FPL for 2017?

Is there any reason why I should still try to stay below 250% FPL for this year 2017 given the upheaval about CSR for 2018? In general, the lower your income the less the maximum premium payment. Going from just below 250% FPL to above it increases your maximum premium payment from being about 8.2%...
by 2015
Mon Oct 16, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidies / HSA accounts / advance premium subsidies / Questions
Replies: 15
Views: 1282

Re: ACA Subsidies / HSA accounts / advance premium subsidies / Questions

Some of the details for signups and how to fill out the income forms will depend on which state you are in. I would consider seeing if you can use an agent for buying exchange policies in your state; there has been a lot of flux around that, but it can help to have someone experienced in the system...
by 2015
Mon Oct 16, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1224

Re: ACA stay below 250% FPL for 2017?

... Forgive the question, but next year will be the first year I will be utilizing the ACA. If there is no legal mechanism to claw back CSR's, what, if anything, does happen if annual income happens to exceed 250% of the prior year's federal poverty guideline? This will not be an issue with me, but...
by 2015
Mon Oct 16, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2244
Views: 391399

Re: What's Your Credit Card Rewards Strategy?

... I have a card similar to spammagnet's wife's. It's a Chase card, one of my oldest cards, and I have not used it for several years. I have been assuming that Chase would give me an advanced warning before closing it. ... I should add that, not only was there no warning, there was no recourse. Th...
by 2015
Mon Oct 16, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidies / HSA accounts / advance premium subsidies / Questions
Replies: 15
Views: 1282

Re: ACA Subsidies / HSA accounts / advance premium subsidies / Questions

Some of the details for signups and how to fill out the income forms will depend on which state you are in. I would consider seeing if you can use an agent for buying exchange policies in your state; there has been a lot of flux around that, but it can help to have someone experienced in the system...
by 2015
Sun Oct 15, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1224

Re: ACA stay below 250% FPL for 2017?

Subsidies of both kinds in the ACA are based on the current year's income. So did you qualify for CSR reductions during 2017 based on your estimate of this year's income? If so, and you don't remain under the 250% for 2017, those subsidies will be taken back when you do taxes. ... I'm afraid that's...
by 2015
Sun Oct 15, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Why not CDs instead of Short Term Bonds or TIPS
Replies: 24
Views: 2857

Re: Why not CDs instead of Short Term Bonds or TIPS

Because I'm too lazy to open CD's; hence, STB fund. That may change in a couple of years.
by 2015
Sat Oct 14, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6782

Re: How long for hedonic adaptation to set in?

With respect to this thread, I highly recommend the following books to help see the big picture with respect spending manipulation : 1) Signaling, 2) The Art of Choosing; and 3) The Status Syndrome_How Social Standing Effects Our Health and Longevity Is this the Signaling book you're referring to: ...
by 2015
Sat Oct 14, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 80
Views: 6479

Re: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]

2015 wrote, 3 books I'll be picking up tomorrow are: The shallows : what the Internet is doing to our brains This is off-topic, but Carr’s book The Shallows is the enlargement of an excellent essay he published in The Atlantic in 2008 titled “Is Google Making Us Stupid?” With all respect to the aut...
by 2015
Sat Oct 14, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 80
Views: 6479

Re: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]

2015 wrote: With the greatest of respect to both Thaler and Taleb, this is exactly the kind of weeds I don't have time for. When you're attempting to get a helicopter view of what really matters in life, landing in the street is not the way to go. I do not see the discipline over which Taleb is att...
by 2015
Sat Oct 14, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6782

Re: How long for hedonic adaptation to set in?

For folks that are not willing to allow your living style to creep up, do you still have a land line instead of a smart phone, use OTA TV instead of cable or streaming, carry stacks of books around or one tablet, wait for loved ones to call or get on Facebook? Hedonic adaption may sound bad but unl...
by 2015
Sat Oct 14, 2017 6:56 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6782

Re: How long for hedonic adaptation to set in?

I live right outside Beverly Hills, CA, where just about everyone is more or less on that treadmill in epic proportions. For the life of me, I see no one happier for it. The underlying angst is mind blowing, and manifests itself in a myriad of ways. To me, it's interesting social commentary when I ...
by 2015
Sat Oct 14, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6782

Re: How long for hedonic adaptation to set in?

I live right outside Beverly Hills, CA, where just about everyone is more or less on that treadmill in epic proportions. For the life of me, I see no one happier for it. The underlying angst is mind blowing, and manifests itself in a myriad of ways. To me, it's interesting social commentary when I s...
by 2015
Sat Oct 14, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6308

Re: Asking for discounts

As a result of this thread, I asked my dentist's office for a discount and got $10 off each of two services. I started by asking for a Cash Price Discount then an AARP discount, then a Senior Discount, the a Good Looking Discount, and then finally an Ugly Person Discount. The office manager smiled ...
by 2015
Sat Oct 14, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5491

Re: Help me understand what happen with the new law and ACA subsidies

Thanks for the link, 2015! That is a very interesting article. Since people on BH generally actually like to read, it's worth adding a link to the CBO analysis of the move: https://www.cbo.gov/system/files/115th-congress-2017-2018/reports/53009-costsharingreductions.pdf I think the actionable part ...
by 2015
Sat Oct 14, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 40
Views: 2346

Re: Medicare Advantage vs. Supplemental

When I first started looking into this I found the "Medicare for Dummies" book to be very good despite it's title and I would highly recommend it. Be sure you are looking at the most recent edition if you get it. I have not started Medicare yet but for my wife the initial decision was daunting but ...
by 2015
Sat Oct 14, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Father passed away - what to do with fund accounts
Replies: 7
Views: 1109

Re: Father passed away - what to do with fund accounts

Who is the Executor? Is there a will or a trust? How were those assets titled? How is the house title held? Was there any life insurance? That will help direct you.... For example, if it was all joint with Mom, then she gets it. If it was in an IRA, who are the beneficiaries? The mortgage passes wi...
by 2015
Sat Oct 14, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6308

Re: Asking for discounts

As a result of this thread, I asked my dentist's office for a discount and got $10 off each of two services. I started by asking for a Cash Price Discount then an AARP discount, then a Senior Discount, the a Good Looking Discount, and then finally an Ugly Person Discount. The office manager smiled t...
by 2015
Sat Oct 14, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5491

Re: Help me understand what happen with the new law and ACA subsidies

More on this: https://www.bloomberg.com/news/articles/2017-10-13/california-leads-group-asking-court-to-keep-obamacare-subsidies With the health insurance of millions at stake, California Attorney General Xavier Becerra and New York Attorney General Eric Schneiderman, leading 18 states and the Distr...
by 2015
Sat Oct 14, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5491

Re: Help me understand what happen with the new law and ACA subsidies

Actionable: Hold your horses, pardner. Signing and implementation are two different things. It's just an executive order, and already two state attorney generals (CA and NY) are talking litigation. Even if it survives lawsuits, changes will take time (although how much time remains unknown)... Here...
by 2015
Sat Oct 14, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5491

Re: Help me understand what happen with the new law and ACA subsidies

... So I want to be really clear about this. The second executive order halts federal CSR reimbursement to insurance companies, but does not relieve insurance companies of their obligation to offer these reduced copays, coinsurance, and deductibles. Yes, that's factually correct. Therefore, it's po...
by 2015
Fri Oct 13, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5491

Re: Help me understand what happen with the new law and ACA subsidies

Actionable: Hold your horses, pardner. Signing and implementation are two different things. It's just an executive order, and already two state attorney generals (CA and NY) are talking litigation. Even if it survives lawsuits, changes will take time (although how much time remains unknown). http:/...
by 2015
Fri Oct 13, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Cyber Security (or lack of) for Mutual Funds
Replies: 20
Views: 1453

Re: Cyber Security (or lack of) for Mutual Funds

You pays your money, you takes your chances. Agreed. I recommend reading The Science of Fear. Lots of recency bias regarding security as a result of the Equifax breach. We fear the big, high impact, but very low probability events over the high impact, high probability events. To wit, today's headl...
by 2015
Fri Oct 13, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

I am talking about the case when somebody who has your Equifax hacked data calls the Fidelity and is in position to answer *all* the questions that Fidelity rep will ask him. The person has "forgotten" the password for the account and the phone connection is not the best one as he is probably calli...
by 2015
Fri Oct 13, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5491

Re: Help me understand what happen with the new law and ACA subsidies

Actionable: Hold your horses, pardner. Signing and implementation are two different things. It's just an executive order, and already two state attorney generals (CA and NY) are talking litigation. Even if it survives lawsuits, changes will take time (although how much time remains unknown). http://...
by 2015
Fri Oct 13, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

I am talking about the case when somebody who has your Equifax hacked data calls the Fidelity and is in position to answer *all* the questions that Fidelity rep will ask him. The person has "forgotten" the password for the account and the phone connection is not the best one as he is probably calli...
by 2015
Fri Oct 13, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 22
Views: 2298

Re: Email Security after equifax breach

Few follow up questions on email(and phone security): As per article below: https://www.forbes.com/sites/laurashin/2016/12/21/hackers-are-hijacking-phone-numbers-and-breaking-into-email-and-bank-accounts-how-to-protect-yourself/#1ecb30ff360f we should have a google voice number too for financials. ...
by 2015
Fri Oct 13, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6204

Re: Best Career Advice for those over "50"

I work as an individual contributor software engineer, and the last time I changed jobs I was 49.5, and am about to turn 51. Add to this my previous job only lasted 18 months, and a shorter stint at the one before that. To me age is an attitude and turning 50 led me to more actively pursue fitness....
by 2015
Fri Oct 13, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: 10 year anniversary of the beginning of the Great Recession
Replies: 45
Views: 4155

Re: 10 year anniversary of the beginning of the Great Recession

I regret not knowing about tax loss harvesting, because I could have taken advantage of it. I rebalanced into stocks multiple times during the downturn because I didn't think the market could go any lower. So ever time the Dow dropped by a couple thousand, I rebalanced. Same. What a lost opportunity.
by 2015
Fri Oct 13, 2017 12:56 am
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 80
Views: 6479

Re: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]

... I find his targeting of Thaler perplexing. How can he be such best buds with Daniel Kahneman and yet hold Thaler in contempt??? I appreciate seeing Victoria sharing her own cognitive dissonance on that score and for bobcat2’s responses and insights. With the greatest of respect to both Thaler a...
by 2015
Fri Oct 13, 2017 12:32 am
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

My question is, if you disclose your login information to your spouse how would Vanguard know? It seems someone would have to tell Vanguard they had done this. If I had a theft of my Vanguard funds and were asked by Vanguard if I had shared my password with anyone, surely my answer would be “no”. A...
by 2015
Thu Oct 12, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6204

Re: Best Career Advice for those over "50"

Make yourself "indispensable" - step up and volunteer for extra assignments, if available. Some may say "keep a low profile", hogwash, make yourself known to colleagues and management alike - some call that networking, others call it being a "team player". Some firms prize individualism, most folks...
by 2015
Thu Oct 12, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

VG confirmed this today. Account is frozen once executor advises VG of a non-jointly held account holder's death. Executor then works with VG's Estate Planning department to provide appropriate documentation to gain access the account, which VG has retitled in the name of the estate. This was our e...
by 2015
Thu Oct 12, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 80
Views: 6479

Re: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]

... I find his targeting of Thaler perplexing. How can he be such best buds with Daniel Kahneman and yet hold Thaler in contempt??? I appreciate seeing Victoria sharing her own cognitive dissonance on that score and for bobcat2’s responses and insights. With the greatest of respect to both Thaler a...
by 2015
Thu Oct 12, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

The principle is that authority and privilege enabled by account credentials should align with legal authority and privileges based on account title, estate executors, and power of attorneys. Vanguard is legally responsible to provide access and account privileges based on legal authority, and they...
by 2015
Thu Oct 12, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

I have this with Vanguard and Wells Fargo. If their security experts believe in this technology who am I to doubt it? It is a healthy instinct and very smart to always doubt the opinions and assertions of the supposed "experts". Unless you enjoy being sheared, be mostly a wolf and never a sheep. Ev...
by 2015
Thu Oct 12, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Voiceprint technology (for authentication)
Replies: 24
Views: 1259

Re: Voiceprint technology (for authentication)

Have it on VG and TIAA and wouldn't be without it. A voiceprint cannot be "socially engineered".
by 2015
Thu Oct 12, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 36
Views: 2414

Re: Antivirus Software Recommendations

I've been running Avast for years. Free, small footprint, fully featured, frequent updates. It will pop open a screen every couple months encouraging me to upgrade to a paid version. Some day I probably will. Until then, I am willing to close a window 6x a year. https://www.avast.com/free-antivirus...
by 2015
Thu Oct 12, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6204

Re: Best Career Advice for those over "50"

Not 50 yet, mid-40s here. I think it's harder to find a job in your 50's. I feel like I'm not as sharp anymore in my 40's compared to when I was younger. You definitely want to have enough nest egg so you don't have to rely on a job anymore to survive. Actually, this is person dependent, or perhaps...
by 2015
Wed Oct 11, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

I don't know why, but I never looked at estate planning in this fashion, even though I have a trust which gives my executor broad powers! I'm guessing that your successor trustee and the person nominated as executor of your estate are the same person. Correct? (otherwise your comment would be probl...
by 2015
Wed Oct 11, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 5553

Re: Made a career mistake- advice/next steps

The OP is thinking about leaving after 4 months. We tell him that's fine, but don't make a habit of it (leaving jobs very quickly), because it gets harder to find a new job if you start to look like a "job hopper". You stated that "job hopping" worked out very well for you without a time context. T...
by 2015
Wed Oct 11, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 80
Views: 6479

Re: Taleb believes Thaler is an Intelectual Yet Idiot

How nice that you got to meet him in person! For the opportunity to have lunch with Taleb, he could be as mean to me as he wanted to be. I have not had lunch with Taleb, but I talked with him over refreshments before his lecture at the DoI. If you want to see him in person, according to BobK, there...
by 2015
Wed Oct 11, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

MrGreen, Jebmke, thanks for the responses. I'm going to look further into this. :beer
by 2015
Wed Oct 11, 2017 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

With all of the security risks and advent of 2FA, have y'all thought about contingencies in case something happens to you and your significant other needs to access your accounts, etc? If you go missing with your cell phone, isn't your SO, SOL? All of my info is shared with spouse,,,,passwords,emai...
by 2015
Wed Oct 11, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4043

Re: 2 factor authentication - What if something happens to you?

In your example, I can see how Joe would be "out of luck" (then again, if the guy doesn't know that Jane in reality despises him, well...). OTOH, isn't it common practice for married individuals to share access? What about joint accounts? If Jane secretly despises Joe after all those years, then I ...
by 2015
Wed Oct 11, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 6916

Re: Vanguard's long-term outlook for TIPS

A stupid move for me anyway is investing in anything where there's no consensus. So what do you invest in? There isn't even a consensus on this forum that stocks and bonds are optimum investments. Some argue for rental properties and bitcoin. Others may argue for gold, commodities, antiques, etc. :...