Search found 385 matches

by Good Listener
Tue Nov 21, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Plan F High Deductible
Replies: 18
Views: 1242

Re: Medicare Supplemental Plan F High Deductible

I would just go with F or G and not play around with high deductible plans. Who needs all those bills?
by Good Listener
Tue Nov 21, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1016

Re: Daycare Parting Gift

Amazon gift cards or cash.
by Good Listener
Mon Nov 20, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: What percentage of your annual expenditures are you targeting for travel once you are retired?
Replies: 19
Views: 1288

Re: What percentage of your annual expenditures are you targeting for travel once you are retired?

Zero. This might be heresy as most seem to think that travel is part of retirement, but I did travel a lot including internationally when I worked. I do not like to travel, I do not like hotels, and i do not like to pack. I like my own bed. Now I have traveled zero days in my 1 year of retirement. I...
by Good Listener
Sat Nov 18, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1255

Re: Timing if Medicare annual physical

This is a nitpicking question but important to me. I am now on Medicare :oops: and will get my 1st wellness visit/ physical in March (the 1st one is called welcome to Medicare). Previously my regular plans allowed one physical a year but gave some latitude so it didn't have to be exactly a year plu...
by Good Listener
Sat Nov 18, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1255

Re: Timing if Medicare annual physical

You are wise to find out for yourself because this is the subject of much confusion even among the folks at the check in desk and nurses also. Wouldn't surprise me if doctors were not sure themselves. Actually no one is unsure,just that the answers differ. The link above is a good one. Thea annual ...
by Good Listener
Fri Nov 17, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia to New Jersey income tax
Replies: 20
Views: 2156

Re: Virginia to New Jersey income tax

Your state tax on the RMDs will be lower; NJ treats all IRAs as non-deductible, so unless your IRA was a rollover from a 401(k) (which has been deductible in NJ for years), you will pay tax only on the gains. Similarly, are you drawing payments from the TSP? NJ does not allow a deduction for TSP co...
by Good Listener
Fri Nov 17, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1255

Timing if Medicare annual physical

This is a nitpicking question but important to me. I am now on Medicare :oops: and will get my 1st wellness visit/ physical in March (the 1st one is called welcome to Medicare). Previously my regular plans allowed one physical a year but gave some latitude so it didn't have to be exactly a year plus...
by Good Listener
Thu Nov 16, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia to New Jersey income tax
Replies: 20
Views: 2156

Re: Virginia to New Jersey income tax

I'm just beginning my research, but I still should have added in: am single, retired with a federal pension. am taking RMDs, have Vanguard dividends and capital gains which I've been automatically reinvesting , PROBABLY will rent rather than own, and would likely be somewhere between Tom's River [O...
by Good Listener
Thu Nov 16, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 24
Views: 2809

Re: Chain of command

Livesoft nailed it . Is there anyway if your job is being done responsibly that you could miss this? If so I'd miss it until you could find another job. If you mention it and Livesoft is right, you're going to eventually lose your job anyway.
by Good Listener
Thu Nov 16, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help for semi retired friend with 8 figure savings
Replies: 68
Views: 5133

Re: Help for semi retired friend with 8 figure savings

Dude seriously?!?!? This guy has 30 million dollars in assets. He has no worries. Right. And the friend should not ask a friend how to manage 30 MM. Let him ask Vanguard and they'll hook him up with a solid CRA. Or some other fee only advisor. But do, do you really want to make a re commendation th...
by Good Listener
Tue Nov 14, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3455

Re: Chromebook vs Windows 10?

Ok. 2 needs. One is printing. Seems like a non issue with a chromebook and wireless printer. Second (huge) is that i like to download my Google drive to a flash drive once a month just in case. Can that be done with a chromebook? Use the Chromebook Recovery Utility https://computers.tutsplus.com/tu...
by Good Listener
Tue Nov 14, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 5066

Re: POAs may not be that powerful

need403bhelp wrote:
Mon Nov 13, 2017 7:13 pm
Good Listener wrote:
Mon Nov 13, 2017 6:53 pm
Gee. You can set up POA at Vanguard online in 2 minites. Why not instead of aggravating yourself about it.
How?
I did it online for my folks awhile ago.
by Good Listener
Mon Nov 13, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3455

Re: Chromebook vs Windows 10?

Ok. 2 needs. One is printing. Seems like a non issue with a chromebook and wireless printer. Second (huge) is that i like to download my Google drive to a flash drive once a month just in case. Can that be done with a chromebook?
by Good Listener
Mon Nov 13, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 5066

Re: POAs may not be that powerful

need403bhelp wrote:
Mon Nov 13, 2017 7:13 pm
Good Listener wrote:
Mon Nov 13, 2017 6:53 pm
Gee. You can set up POA at Vanguard online in 2 minites. Why not instead of aggravating yourself about it.
How?
On line. The person (or you. :mrgreen: ) log on. Then you can set POA for retirement and no retirement accounts. If in doubt just call and they will help you.
by Good Listener
Mon Nov 13, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 2365

Re: Tell me I'm not a total fool about my choice of a Medigap policy

Ok it's done..... :sharebeer I spoke to a different person at Aetna today when i called to sign up, thinking Plan G probably, but the premium for F is 191, not 206 (the agent Friday gave me the smoker rate accidentally). Multiplying it all out, for 2018 the incremental cost of F over G when conside...
by Good Listener
Mon Nov 13, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3455

Re: Chromebook vs Windows 10?

Right now my laptop which I use as a desktop, is sitting in my "office" and is slowing down and needs replacement. I rarely use it but do when I need to print something or have to use a "computer" for things that cannot be done with my android tablet or phone. Things like some shifting within bookma...
by Good Listener
Mon Nov 13, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Failure to file Form 8606 30 years ago....
Replies: 6
Views: 1531

Re: Failure to file Form 8606 30 years ago....

This is a no brainer for me. Treat it all as pre tax..
by Good Listener
Mon Nov 13, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 5066

Re: POAs may not be that powerful

Gee. You can set up POA at Vanguard online in 2 minites. Why not instead of aggravating yourself about it.
by Good Listener
Mon Nov 13, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 2365

Re: Tell me I'm not a total fool about my choice of a Medigap policy

Ok it's done..... :sharebeer I spoke to a different person at Aetna today when i called to sign up, thinking Plan G probably, but the premium for F is 191, not 206 (the agent Friday gave me the smoker rate accidentally). Multiplying it all out, for 2018 the incremental cost of F over G when consider...
by Good Listener
Mon Nov 13, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 3879

Re: Growth of Medicare Advantage enrollment

I hate Medicare Advantage !! I am now in a Medicare Advantage Group PPO for 11 days and today found acceptable Medical G & Part D plans to purchase. I was put into the MA account as a retiree of a Fortune 10 or so company. I understand it saves them money. I also know that the drug plan that came w...
by Good Listener
Mon Nov 13, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 2365

Re: Tell me I'm not a total fool about my choice of a Medigap policy

Nonetheless my personality is such that i would rather never see a bill of any type or even think about the deductible. I feel the same way. I have better things to do in retirement than spend time finding out why the billing is wrong (again). But then, I meet the Medicare deductible in the first v...
by Good Listener
Mon Nov 13, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 2365

Re: Tell me I'm not a total fool about my choice of a Medigap policy

Tomorrow, after pondering for 3 days, I will pull the trigger and enroll in a Medigap policy and Part D policy, both with Aetna; and after getting my cards will unenroll from my company sponsored Medical Advantage plan (which from another post yesterday I declared that i hate). The drug plan is set...
by Good Listener
Mon Nov 13, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 3879

Re: Growth of Medicare Advantage enrollment

I hate Medicare Advantage !! I am now in a Medicare Advantage Group PPO for 11 days and today found acceptable Medical G & Part D plans to purchase. I was put into the MA account as a retiree of a Fortune 10 or so company. I understand it saves them money. I also know that the drug plan that came w...
by Good Listener
Sun Nov 12, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tell me I'm not a total fool about my choice of a Medigap policy
Replies: 26
Views: 2365

Tell me I'm not a total fool about my choice of a Medigap policy

Tomorrow, after pondering for 3 days, I will pull the trigger and enroll in a Medigap policy and Part D policy, both with Aetna; and after getting my cards will unenroll from my company sponsored Medical Advantage plan (which from another post yesterday I declared that i hate). The drug plan is set ...
by Good Listener
Sat Nov 11, 2017 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 3879

Re: Growth of Medicare Advantage enrollment

I hate Medicare Advantage !! I am now in a Medicare Advantage Group PPO for 11 days and today found acceptable Medical G & Part D plans to purchase. I was put into the MA account as a retiree of a Fortune 10 or so company. I understand it saves them money. I also know that the drug plan that came wi...
by Good Listener
Wed Nov 08, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Are You Comfortable With State Specific Muni Money Funds
Replies: 7
Views: 719

Re: Are You Comfortable With State Specific Muni Money Funds

I live in the great state of New Jersey :oops: But I am completely comfortable with the state-specific .Vanguard fund. Although lthough our finances are horrible, the Vanguard managers know what they are doing. The same holds for the long term fund. These high tax states make it prohibitive to use a...
by Good Listener
Mon Nov 06, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia to New Jersey income tax
Replies: 20
Views: 2156

Re: Virginia to New Jersey income tax

Very simple. NJ is a gross income tax state. The only deductions allowed are 1500 for a taxpayer and 1k for dependents and real estate taxes (or 18% of rent) up to 10k, period.... If the total is over 75k, it is 6.37% times the amount minus $2126. If over 500k, then you enter a marginal 8.97%. We ha...
by Good Listener
Mon Nov 06, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Bills driving me crazy
Replies: 0
Views: 458

Medicare Bills driving me crazy

First, you folks helped guide me setting up EZ pay of my Medicare premiums (automatic debit of premiums) because I haven't yet started taking social security. Thank you!! My first premium was for Nov 2017 and the ACH actually happened on Oct 20 as expected. That monthly statement for Nov 2017 said "...
by Good Listener
Thu Oct 26, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: federal tax rate / dividend income question
Replies: 18
Views: 1359

Re: federal tax rate / dividend income question

I believe that it will all be at the lower rate because it is based on taxable income, isnt it?. I assume you have deductions right? If I am wrong somebody holler!
by Good Listener
Wed Oct 25, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3522

Re: Amazon kindle paperwhite

I'm about to get a kindle. But isn't the Voyager superior in all ways except it costs more?
by Good Listener
Sat Oct 21, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about Part D IRMAA
Replies: 13
Views: 643

Re: Confusion about Part D IRMAA

The coverage is definitely credible. My question was whether I am considered in Part D for the purpose of the Irmaa. I have spoken to several Medicare people now and they all agree that they see I am subject to the part b irmaa, and they see no check box for the part D Irmaa. Two out of three think ...
by Good Listener
Sat Oct 21, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Confusion about Part D IRMAA
Replies: 13
Views: 643

Confusion about Part D IRMAA

I am starting MediCare at the beginning of November and my company retirement plan has us in a Medicare Advantage PPO. It includes drug benefits. Amazingly and happily, my first automatic debit occurred so that was set up with no problem. I got a letter indicating that I am subject to Part B IRMAA a...
by Good Listener
Sun Oct 08, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13217

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Here's my feed back after many days. This is unbelievable and accurate. . Love this Victoria whoever she is and I thank her for posting it. I now can decide whether to go to the mailbox or if it can wait till the next day. This has been totally accurate. And to make it even better, yesterday I order...
by Good Listener
Wed Oct 04, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13217

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I signed up 2 days ago. Today I got an email at 7:49 AM with pdfs of 2 letters. If that is all Ihave, that will be great, as these 2 are unimportant and I can now determine when to head to the mailbox.
by Good Listener
Tue Oct 03, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 2665

Re: Help with private investment opportunity

23 year olds with little in assets (although you have done great for your age) should run away when offered "opportunities" to invest most of their savings. Anybody who tells you that a few hundred million today will probably IPO in the billions in 3 years or less is dreaming. But you may need one l...
by Good Listener
Mon Oct 02, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13217

Re: Prevent mail theft; sign for USPS Informed Delivery

Silly me. Apart from the fact that I don't want the service, I assumed that signing up for it would be a security risk since it would mean that more personal information about me was being sent over the Internet. I was under the impression that even seeing the outside of your mail is considered val...
by Good Listener
Mon Oct 02, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13217

Re: Prevent mail theft; sign for USPS Informed Delivery

Thank you Victoria for letting us in on this. I signed up after reading your post primarily for defensive reasons as it would be scary if somebody else registered my address. Indeed with a little luck a crook might be able to answer the questions. I took 3 shots to get it right as I forgot some old ...
by Good Listener
Sat Sep 23, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11392

Re: VG wants everyone to transfer to a brokerage account?

I didn't accept the invitation to convert because the "new" brokerage account won't automatically invest the dividends and capital gains from one fund into another fund. I would have to direct them to the cash settlement fund, and then manually move them from the cash fund into the other fun, which...
by Good Listener
Sat Sep 23, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 11392

Re: VG wants everyone to transfer to a brokerage account?

I have avoided doing it because it's been easier for me at tax time if I have individual funds; specifically I know that my New Jersey bond fund and money market can be :shock: checked in TurboTax as a hundred percent free from New Jersey. But if I won't get one gross number how do I know what is at...
by Good Listener
Fri Sep 22, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4604

Re: Asking for no wedding gifts

I did that for my second wedding. We told people that if they wanted to give us something, that a contribution to Charity X would be what we would request. And the charity reported to us quite a bit of donations in honor of our marriage and provided a list of the names so that we could send thank yo...
by Good Listener
Fri Sep 15, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2548

Re: blood pressure monitor recommendations?

I use the Omron. And when I go to shoprite I use the machine by Higi. Don't. It gives me a full sense of satisfaction as the pressures are usually 20 points lower and I emailed them and they say its good. Nonsense. I beg them to recalibrate and they always say they will or did but it's nonsense. The...
by Good Listener
Tue Sep 12, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 2903

Strategy for smartphones.

I am a committed Android user. I bought a top of the line Google pixel 11 months ago. Today it failed miserably. I went to the Verizon store and they ordered a replacement for me. The warranty is 12 months. That would include if this replacement won't work within that 12-month period , veterans anot...
by Good Listener
Tue Sep 12, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase on ebay
Replies: 2
Views: 436

Purchase on ebay

Hi, I have never bought anything at eBay before but a friend suggested I try and I did. I wanted to get a Google home device which you may know retails for $130. We looked at eBay and there was a seller selling absolutely new ones at $81. This was without an auction, a fixed price. I ordered Sunday ...
by Good Listener
Tue Sep 05, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should we let MIL pay off our mortgage?
Replies: 69
Views: 9130

Re: Should we let MIL pay off our mortgage?

I don't think you should accept the gift unless it is specifically arranged to be your wife's. Forget divorce which can happen. But if it's joint for you and the wife and she dies, does your MIL really want your new wife if you get one to have her money? And then if you die, all of it? Frankly MIL s...
by Good Listener
Tue Sep 05, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8870

Re: Protecting moms assets from nursing home expenses

Forgetting moral issues, she is only 74 and can live a long time in a healthy fashion at home. Jer social security is pretty small. If I were her child I would not allow her to gift away the relatively small amount of assets she has, about 250k. She may need it and she shouldn't have to count on the...
by Good Listener
Tue Aug 29, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Review with Me - Larry Swedroe's new book
Replies: 160
Views: 7498

Re: Why I asked for Larry book thread to be closed

Doc wrote:
Tue Aug 29, 2017 1:30 pm
Agreed. Shutting off discussion of ideas just because they are contrary to ones own beliefs is not a good thing.
Doc,
I think you misunderstood Ned.
by Good Listener
Wed Aug 23, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: "Verizon Up" rewards program - any insight?
Replies: 5
Views: 962

Re: "Verizon Up" rewards program - any insight?

I am avoiding. Consenting to the program allows them to share your info with aol I believe and other marketing partners. The rewards will likely be very little.
by Good Listener
Tue Aug 22, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare when not collecting Social Security
Replies: 17
Views: 1517

Re: Paying for Medicare when not collecting Social Security

Thank you all. I just mailed the Form 5510 for automatic debit and will update if it is too early (since I haven't gotten a bill yet and it is late August with my 1st payment is for Nov ) and I get told to resubmit or if it works. And for those who asked, yes, I will have to pay them for part D beca...
by Good Listener
Tue Aug 22, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare when not collecting Social Security
Replies: 17
Views: 1517

Paying for Medicare when not collecting Social Security

Help !!! I am getting very conflicting information from both the Medicare and Social Security Departments but the people are very well-intentioned. So no complaints from me. But I need some help. I will be on Medicare in November :shock: I am delaying collecting Social Security possibly until age 70...
by Good Listener
Mon Aug 21, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16049

Re: How far would you travel to see The Eclipse?

Having seen it on tv today, I wouldn't travel for it. On TV, I saw multiple locations undergoing the eclipse and saw it better than looking through the glasses I suspect. At the real sites you are dealing with less than 2 hours of the whole thing and 2 minutes of totality. But some people love the e...