Search found 496 matches

by Good Listener
Mon Apr 23, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 9588

Re: Salary Negotiation gone sour

Thesaints wrote:
Mon Apr 23, 2018 4:52 pm
If they took someone else because of 3k/yr losing that job was actually positive for you.
This. I would run away....
by Good Listener
Sat Apr 21, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Can physician charity services (or expenses) be written off?
Replies: 10
Views: 847

Re: Can physician charity services (or expenses) be written off?

As a now retired physician who donated a lot of free care, I suggest you just donated it and don't try to get a tax deduction. Then you really will have donated.
by Good Listener
Sat Apr 21, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 78
Views: 8782

Re: Inheritance Changing Lifestyle

I would beware a spouse trying to abuse this. How dare he/she.
by Good Listener
Sat Apr 21, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions
Replies: 49
Views: 3051

Re: Medicare Questions

They will try come up with all kind of justifications. I have yet to find an anesthesiologist who makes < $500K. They find little sympathy from me. I have great admiration for the medical profession. Not so much for anesthesiologists. Other doctors have to deal with the same insane health care syst...
by Good Listener
Sat Apr 21, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 141
Views: 8423

Re: I’m still not a fan of international bond funds

I don't think you will find half a dozen people at this site who are fans of international bond funds.
by Good Listener
Fri Apr 20, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 85
Views: 8976

Re: New retirees: so whatdayathink ?

Retired 1 year. I walk a lot and read a lot and don't use an alarm. I now have medical issues I never had before I was 65 and have time to go to doctors. I walked 4.5 miles each way today today to a cardiologist whom I had to browbeat into a nuclear stress test in a few weeks when I will do the same...
by Good Listener
Fri Apr 20, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Primary and secondary medical insurance - Out of pocket costs & deductibles
Replies: 1
Views: 202

Primary and secondary medical insurance - Out of pocket costs & deductibles

I have a question about whether what I am asking is a legal issue, moral issue, neither or both. It is fairly common I would think in this age of deductibles, coinsurance and out of pocket maximima. This involves a child under 26 with private medical insurance coverage from both parents. They both w...
by Good Listener
Fri Apr 20, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7817

Re: Need for Medicare supplemental plan?

No, you are not automatically eligible to change every year. Do some googling. Googling, it looks like you have the right to switch from one Medicare Advantage plan to another Medicare Advantage plan once a year. However the same does not apply to Medigap (You don't have the right to switch from on...
by Good Listener
Thu Apr 19, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3970

Re: Costco Free Screenings

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...
by Good Listener
Wed Apr 18, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to argue for S&P
Replies: 15
Views: 955

Re: How to argue for S&P

I have an interesting idea. Why argue with the person? Let the person do what they wish and you do what you wish. :sharebeer
by Good Listener
Wed Apr 18, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3970

Re: Costco Free Screenings

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at ...
by Good Listener
Wed Apr 18, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7817

Re: Need for Medicare supplemental plan?

If you choose MA and then have medical problems, you may never be able to get a supplement. I wouldn't do it.
by Good Listener
Tue Apr 17, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 5196

Re: I want to pay off my mortgage. Am I crazy?

I had a mortgage on my 2nd residence. I paid it off after 1 mortgage payment as I hated owing anything . Pay it off and get pleasure :sharebeer .
by Good Listener
Tue Apr 17, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Homebuyer buying a FSBO home, help!
Replies: 11
Views: 921

Re: First Time Homebuyer buying a FSBO home, help!

I would never buy from a FSBO. By definition, they are trying to save on every possible fee. They will nickel and dime you. IF you still want to proceed beware.
by Good Listener
Tue Apr 17, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Please help figuring out cost of medical treatment(s)
Replies: 8
Views: 827

Re: Please help figuring out cost of medical treatment(s)

This is tough. You could have 3 PhDs and it wouldn't matter. Einstein couldn't make sense of the medical system here. I'm a retired doctor now on Medicare and I can't. I suggest you ask your doctor's office to help.
by Good Listener
Mon Apr 16, 2018 8:11 pm
Forum: Investing - Theory, News & General
Topic: The World in 2050 — GDP & Stock Market Capitalization
Replies: 64
Views: 4874

Re: The World in 2050 — GDP & Stock Market Capitalization

I would be 98 and dont want to be alive. Seriously, we cannot predict how immigration flows will go, how various things will happen, and whether moon occupancy will be an option. I will choose the moon or Mars if I have a choice.
by Good Listener
Mon Apr 16, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3970

Re: Costco Free Screenings

Bah. I am within walking distance of the one in New Jersey in Lawrenceville and am there about three to five times a week. And of course all they have this year is osteoporosis screening on the schedule which is for females. But I must say it is scheduled for April 18th and I have seen no signs at a...
by Good Listener
Tue Apr 10, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 67
Views: 5575

Re: Factor Investing - A convincing article

I think it's a fad and I would just go with broad indices. It's just a way for some people to sell something. We won't know for 20 years if that soon and I would bet it underperformed or adds little.
by Good Listener
Mon Apr 09, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Trip: train vs car cost comparison
Replies: 13
Views: 988

Re: Trip: train vs car cost comparison

I think it is clear that car use must be factored in. Don't you change your oil every x miles and need new tires, breaks, air filters, belts, etc every y miles? You are also excluding what can be done with a long trip. In a car, you have the radio. On a train you can read, walk, sit and eat, etc, fa...
by Good Listener
Sat Apr 07, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Recordkeeping system for retirees
Replies: 25
Views: 2612

Re: Recordkeeping system for retirees

My system is pretty simple. I don't like cloud storage, but I now save zero paper (deeds, titles, that's about it). I have a folder called "Filing Cabinet". Scanned documents go there, into subfolders with the same names as my old paper ones did: "Medicare", "Vehicles", "Insurance,House"...you get ...
by Good Listener
Sat Apr 07, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 43
Views: 3417

Re: JAMA article's health implications for asset allocation

I am 65, now retired, and at 50 stocks, 45 bonds and 5 cash. I am Rothifying all the IRA account I have over a few years at max tax rates as I expect rates of taxation to go way up down the road. I hope I'm wrong but with out debt I see no other way. Unless you have or will have a pension or other ...
by Good Listener
Sat Apr 07, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: !Please Advise on sensible housing for guy going through divorce!
Replies: 32
Views: 2650

Re: !Please Advise on sensible housing for guy going through divorce!

Get a lawyer. IF you leave now and leave the child with her, you lose. It sounds like you are a committed parent so you would want to retain joint custody. In that case she can no longer lmove with the child any more than you can. She has no more right to the child than you do unless you agree to it...
by Good Listener
Fri Apr 06, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5185

Re: Restaurants Vs. Cooking?

I rarely eat out and never in the Chipotle types. Even though the ingredients in the fast casual places can be fine, the meals are always loaded with salt, frighteningly so.
by Good Listener
Thu Apr 05, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you change approach if no kids, no family?
Replies: 15
Views: 1877

Re: Would you change approach if no kids, no family?

I envy you. I wish I didn't marry twice and have two kids. And your shoes I would worry about nothing and get out of the Rat Race as soon as possible.
by Good Listener
Thu Apr 05, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 43
Views: 3417

Re: JAMA article's health implications for asset allocation

This is interesting. I am 65, now retired, and at 50 stocks, 45 bonds and 5 cash. I am Rothifying all the IRA account I have over a few years at max tax rates as I expect rates of taxation to go way up down the road. I hope I'm wrong but with out debt I see no other way. I urge all listeners to read...
by Good Listener
Tue Apr 03, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Recordkeeping system for retirees
Replies: 25
Views: 2612

Re: Recordkeeping system for retirees

I have everything scanned now. I then save them individually to both Google drive and Dropbox after having started with Dropbox and one day copying everything to Google drive. I also backup each to a flash drive once a month. I figure that's enough redundancy.
by Good Listener
Mon Apr 02, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 10671

Re: “We’re not making enough money off you”

I habe no dog in this fight and only use Vanguard and never would use a money management firm. Fill in the XXxX. The profession Xxxxx provides services at below cost for clients from whom they don't make profit. Xxxxx = lawyers doing pro bono work. You're right !!! So do doctors and other professio...
by Good Listener
Sun Apr 01, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: “We’re not making enough money off you”
Replies: 62
Views: 10671

Re: “We’re not making enough money off you”

I have no dog in this fight and only use Vanguard and never would use a money management firm. Fill in the XXxX. The profession Xxxxx provides services at below cost for clients from whom they don't make profit.
by Good Listener
Fri Mar 30, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Medicare - now or later?
Replies: 20
Views: 1610

Re: Applying for Medicare - now or later?

I would do exactly what you proposed initially and that's what I did. I don't like to mess around with these things and I wanted to know that the month that I became 65 I had my plan as well as my supplement and also my drug coverage. Then no matter what happened I was set.
by Good Listener
Mon Mar 26, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare - lab test and signing an ABN
Replies: 26
Views: 3516

Re: Medicare - lab test and signing an ABN

New feedback as last week I used Quest labs for the first time as a Medicare patient. I have original Medicare and Medigap F. I figured everything would be easy street but it's not. Labs were for an annual visit and of course only diagnostic codes of disesses are acceptable to Medicare, not the prev...
by Good Listener
Sun Mar 25, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Planning for children and stay-at-home spouse
Replies: 12
Views: 858

Re: Planning for children and stay-at-home spouse

As a father of a woman about your age, I strongly suggest you go to the CNBC website today. A heartbreaking article written by a woman who became a stay-at-home mom and then how her life changed forever when her husband requested a divorce.
by Good Listener
Sat Mar 24, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: NJ State tax consequences of Vanguard federal money market
Replies: 4
Views: 579

Re: NJ State tax consequences of Vanguard federal money market

Thank you rh. I am familiar with that aspect. My question is that the 70% from the federal government includes about 40% treasuries and 30% agency. And I can't get a good fix on whether an agency obligation is considered a federal obligation. They are federal agencies, which obligates the federal g...
by Good Listener
Fri Mar 23, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney for a particular asset that supersedes power of attorney listed in will
Replies: 86
Views: 3668

Re: Power of attorney for a particular asset that supersedes power of attorney listed in will

+1. This. I showed a POA to my mother's bank and they said they will not honor it. When I pressed them they said they'd litigate it until the end of time if I pursued it. They then offered me their "custom" POA form which they will accept and only costs $50 to set up... Same was true for her broker...
by Good Listener
Fri Mar 23, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: NJ State tax consequences of Vanguard federal money market
Replies: 4
Views: 579

Re: NJ State tax consequences of Vanguard federal money market

Thank you rh. I am familiar with that aspect. My question is that the 70% from the federal government includes about 40% treasuries and 30% agency. And I can't get a good fix on whether an agency obligation is considered a federal obligation.
by Good Listener
Fri Mar 23, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: NJ State tax consequences of Vanguard federal money market
Replies: 4
Views: 579

NJ State tax consequences of Vanguard federal money market

Can anybody tell me if the federal money market at Vanguard is exempt from New Jersey income taxes?
by Good Listener
Thu Mar 22, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney for a particular asset that supersedes power of attorney listed in will
Replies: 86
Views: 3668

Re: Power of attorney for a particular asset that supersedes power of attorney listed in will

Vanguard, Chase Bank, and many other financial institutions have their own "Agent Authorization" forms that need to be completed before they will recognize your general Power of Attorney. We all need to be aware of this step before making your Power of Attorney documents functional. Roger +1. This....
by Good Listener
Thu Mar 22, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10229

Re: Losing friends/family when wealthy

I think it is something else. And nobody I know, including me, would expect somebody on a government salary to be rather wealthy while still in the 30s.
by Good Listener
Sun Mar 18, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7817

Re: Need for Medicare supplemental plan?

Has anyone compared the reimbursement rates for traditional Medicare versus a typical Medicare Advantage plan? I imagine the Advantage plan is more generous but it probably depends on the carrier. Do you mean for the Physicians/providers that work in their own offices? My guess is that the reimburs...
by Good Listener
Sun Mar 18, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning: No friends, no family - no executor
Replies: 30
Views: 2356

Re: Estate planning: No friends, no family - no executor

I advise prepaying your funeral expenses. Almost every state has a program where you can do it. My mother recently did that at a chapel and the funds get deposited in some trust account.
by Good Listener
Sun Mar 18, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: NJ Tax Question on Qualified Dividends (1099-DIV)
Replies: 7
Views: 531

Re: NJ Tax Question on Qualified Dividends (1099-DIV)

NJ taxes everything as ordinary income and allows no deductions except a small personal exemption of $1500, a small one for dependents (1000) and something extra for a kid in college, plus RE taxes up to 10K. Nothing else. No charitable deduction.
by Good Listener
Sun Mar 18, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7817

Re: Need for Medicare supplemental plan?

Curious why most on this thread prefer a supplemental plan to an advantage plan? One reason is with Plan G, after you pay the $183 deductible, there are no other costs as long as its for a covered charge. Of course you do have to pay the monthly premium as well. My annual January cardiology visit e...
by Good Listener
Sat Mar 17, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7817

Re: Need for Medicare supplemental plan?

Curious why most on this thread prefer a supplemental plan to an advantage plan? By definition, advantage plans have networks and when you really want to see somebody or go to a specialty hospital (think cancer and Sloan Kettering or MD Anderson), you can't. Also, doctors come in and out of network...
by Good Listener
Fri Mar 16, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7817

Re: Need for Medicare supplemental plan?

I have Plan F which covers everything Medicare doesn't pay, including the deductible. It's not worth the difference over G dollarwise but I enjoy not having any bills. I think it would be a horrible mistake to not have a supplement plan that covers the 20% Medicare doesn't pay. A very horrible mista...
by Good Listener
Wed Mar 14, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 46
Views: 4069

Re: simplifying my financial life -- should i get rid of treasury direct?

I would drop it. I did years ago as it was a pain to deal with. And one can buy new treasuries at little or no cost at your brokerage. The EE bonds are getting phased out or at least diminished in importance and aren't worth dealing with anymore.
by Good Listener
Tue Mar 13, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: MLP Taxation Confusion [Master Limited Partnership]
Replies: 27
Views: 1571

Re: MLP Taxation Confusion

Investment rule number 1: never buy anything that has a K1 form.

Investment rule number 2: never buy anything that has a K1 form.
by Good Listener
Mon Mar 12, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8543

Re: traveling to mexico, should I be concerned?

No way for me unless on business essential travel and with a bodyguard. If for pleasure, why risk it?
by Good Listener
Thu Mar 08, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: 8 mil loss on 1099...
Replies: 35
Views: 5813

Re: 8 mil loss on 1099...

I would do what the accountant says and avoid an audit.
by Good Listener
Thu Mar 08, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dental plans
Replies: 21
Views: 1742

Re: Dental plans

I pay Aetna dental about $700 a year from an unsubsidized retiree group plan. It is like others have said. 2 cleanings and checkups a year. Then 50% for the other stuff up to a total of $1500 per year, including the preventive visits. It's not worth it. I asked my dentist's office recently and there...
by Good Listener
Tue Mar 06, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Samsung Chromebook vs Tablet for Travel?
Replies: 15
Views: 1084

Re: Samsung Chromebook vs Tablet for Travel?

I was considering all this and have stayed with the tablet because I don't think the chromebook can get all the mobile apps. I have a combination cover/stand that even rotates for my Samsung galaxy tab s3 so that reason disappears if you wish.