Search found 288 matches

by Postmon
Sat Nov 18, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

I just don't get why you would take serious risks of a non ACA plan for a family of four when you can get a fully ACA compliant Kaiser plan I look at healthcare as two parts: routine and non-routine. For routine, I'd be okay with the Kaiser HMO or an EPO. However, when we get into non-routine I bel...
by Postmon
Sat Nov 18, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

FYI, the US Health Plans have dramatically changed, no longer a discount plan but a PPO 3-5000 deductible, 80/20 to max out of pocket of 5-7000, Cigna network. The US Health Group plan is still in the back of my mind. I spoke to a couple of local insurance brokers. They said to stay away but they m...
by Postmon
Sat Nov 18, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

OP, if I were you, I'd go with the HMO, probably Kaiser, and not one of those non-ACA options. You're in northern Virginia, not rural North Dakota. So you'll likely have good care under an HMO. I would agree for routine care. However, I looked at the facilities included in the HMO and EPO. Surprisi...
by Postmon
Fri Nov 17, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

Petersen and National General have short-term plans with national PPO networks that can be extended for up to 12 months. Thanks! I'll definitely look into those. If the provider you want isn't in network, you can pay full price for the appointments which would still be a lot less than paying for a ...
by Postmon
Fri Nov 17, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

Rupert wrote:
Fri Nov 17, 2017 2:19 pm
Have you contacted the insurance companies directly?
Yes, all the compliant plans are on the gov't exchange. The only off-exchange plan I was able to find was the short-term one from UnitedHealthCare.
by Postmon
Fri Nov 17, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

Rupert wrote:
Fri Nov 17, 2017 2:11 pm
You could still choose an HDHP and have out-of-network coverage,
Where would I find one? The healthcare.gov site only offers the one PPO with no options. The only other choices are EPOs and HMOs.
by Postmon
Fri Nov 17, 2017 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

Do look at the PPO issue more closely. I guess I'm more concerned about a scenario where something major happens and the provider we want to see is not in-network and we're stuck with a mediocre provider. HDHP with HSA can be a PPO I'd be happy if the exchange offered me a high-deductible PPO rathe...
by Postmon
Fri Nov 17, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Re: Risks of Non-ACA Compliant Health Insurance?

Do you mind if I ask why you insist on a PPO plan if you are all healthy with no pre-existing conditions? Just in case anything major were to happen we want the flexibility to go out-of-network (but may need to re-think this!). "Anything you are diagnosed for must be treated within the same six-mon...
by Postmon
Fri Nov 17, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2599

Risks of Non-ACA Compliant Health Insurance?

Our COBRA plan expires in a few months so we're looking at alternatives. We (family of 4) prefer to continue with a PPO but healthcare.gov only offers one plan and the premium is $3,700/month ! :shock: We're in Northern Virginia, all healthy with no pre-existing conditions, and do not qualify for a ...
by Postmon
Sat Oct 17, 2015 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2144

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

I was told: - The $100k limit is the maximum holding you are allowed to have of that fund, full-stop. Not per day, not per-order, not electronic limit only, but that is the maximum you can hold of that fund. Very strange. I hold a lot more than that in a single account and have made phone trades fo...
by Postmon
Sat Oct 17, 2015 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2144

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

It's total $'s per day. Can't break into smaller orders. There are a number of online transactions that have dollar limits per day. Anytime I run into those situations, I call in and the rep is able to place the order. Although it's inconvenient, my guess is that they do it to prevent online fraud.
by Postmon
Fri Oct 16, 2015 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2144

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

An online order is limited to $100K but the rep can place the order for you over the phone. But, he/she first needs to get approval from the fund manager.
by Postmon
Thu Oct 01, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Washer died. Seeking recommendations for a top loader.
Replies: 65
Views: 6581

Re: Washer died. Seeking recommendations for a top loader.

We've been debating between a front-load LG high efficiency and the old fashioned Speed Queen top loader (with agitator, not high efficiency). I think we're going Speed Queen. Objective is clean clothes and dependabilty -- not the latest techology. Plus, hate the idea of the long cycle time with the...
by Postmon
Thu Oct 01, 2015 5:52 am
Forum: Investing - Help with Personal Investments
Topic: Which of these is the best tax loss harvest partner for Vanguard Total Stock?
Replies: 6
Views: 1112

Re: Which of these is the best tax loss harvest partner for Vanguard Total Stock?

When you tax loss harvest, the funds are not supposed to be "substantially identical." Therefore, I would not risk using a Total Market fund for VTSAX. That would leave you with VLCAX from your list. If you just want a single fund, an S&P 500 index would work as well. If you do a searc...
by Postmon
Mon Sep 28, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: What is your car buying strategy?
Replies: 84
Views: 6942

Re: What is your car buying strategy?

I've found the "free" buying services to be a joke. For example, when I was in the market, the Costco special price was more than the price that the dealer posted on their website. If you really want the best price without negotiating, this is worth the $250 fee: http://www.checkbook.org/auto/carbarg.cfm.
by Postmon
Sun Sep 27, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: VWO vs IXUS [Vanguard Emerging Mkts vs. iShares MSCI Core Total Int'l]
Replies: 7
Views: 1367

Re: VWO vs IXUS [Vanguard Emerging Mkts vs. iShares MSCI Core Total Int'l]

What are you trying to accomplish for your international allocation? I'm trying to find long-term DOW outperformers. Aren't we all! Around here most believe It's impossible to predict what's going to outperform so we shoot for the average at minimal cost. Many believe there may be a premium in smal...
by Postmon
Sat Sep 26, 2015 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: VWO vs IXUS [Vanguard Emerging Mkts vs. iShares MSCI Core Total Int'l]
Replies: 7
Views: 1367

Re: VWO vs IXUS [Vanguard Emerging Mkts vs. iShares MSCI Core Total Int'l]

Two different animals: VWO is Emerging Markets and IXUS is Total International Market including Emerging Markets. If you're interested in an iShare EM fund, check out IEMG.

What are you trying to accomplish for your international allocation?
by Postmon
Wed Sep 23, 2015 10:47 am
Forum: Investing - Help with Personal Investments
Topic: three-fund portfolio vs slice and dice
Replies: 11
Views: 1510

Re: three-fund portfolio vs slice and dice

RE: the simplicity argument - I plan to simplify to 3 fund in retirement so I can leave my wife with something she can understand and maintain. Don't forget there will likely be a huge cost if you plan to simplify in the future -- capital gains taxes. 100% of assets (beyond my emergency fund) are i...
by Postmon
Tue Sep 22, 2015 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: three-fund portfolio vs slice and dice
Replies: 11
Views: 1510

Re: three-fund portfolio vs slice and dice

David Jay wrote:RE: the simplicity argument - I plan to simplify to 3 fund in retirement so I can leave my wife with something she can understand and maintain.


Don't forget there will likely be a huge cost if you plan to simplify in the future -- capital gains taxes. :twisted:
by Postmon
Tue Sep 01, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 21731

Re: New SUV, $50G, Pilot/Highlander/Other

CPO Mercedes or Lexus. Vehicles are like new and you likely get a warranty as good as or better than the new ones you're considering. Plus someone else already took the hit on new car depreciation. :beer
by Postmon
Sat Apr 25, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 11554

Re: Selling on eBay with local pickup using PayPal - Dangero

I don't want to just refund him the money and cancel the sale, so I am somewhat at a loss at what to do. As Dirty Harry said: "You gotta ask yourself one question. Do you feel lucky? Well, do ya?" You could cancel the sale and then you won't have to worry about a chargeback but then you r...
by Postmon
Sat Apr 25, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 11554

Re: Selling on eBay with local pickup using PayPal - Dangero

Although bill of sale or something like that might stand up in court, I don't know why everyone is suggesting that. IT WON'T WORK FOR PAYPAL . Let's get back to the OP's questions: 1.) Is allowing PayPal payment with local pickup problematic? Not necessarily, but you lose Paypal seller protection if...
by Postmon
Sat Apr 25, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 11554

Re: Selling on eBay with local pickup using PayPal - Dangero

Below is from the Paypal website. If you want to avoid the chance of a chargeback, I'd do what I suggested earlier. Paypal favors the buyer and I always use cash for an in-person transaction. PayPal Seller Protection. What are the requirements for Seller Protection? Initial Requirements Ship to the ...
by Postmon
Sat Apr 25, 2015 6:09 am
Forum: Personal Consumer Issues
Topic: Selling on eBay with local pickup using PayPal - Dangerous?
Replies: 22
Views: 11554

Re: Selling on eBay with local pickup using PayPal - Dangero

I'm not sure if it's still the case, but the only thing Paypal used to accept was a signature confirmation from the carrier for items over $250. So, you were at risk for any pick-up. I'd suggest you check the the ebay website. I'm sure it's spelled out there and on the ebay discussion boards. Other ...
by Postmon
Mon Apr 13, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 6639

Re: Engineering as a career for a graduating HS student ?

IMHO, I believe that an undergraduate engineering degree (no matter what the field) provides a great foundation for whatever someone decides to do after college even if it's not engineering. An engineering education teaches you how to think and solve problems. If one is decides to pursue a career ou...
by Postmon
Fri Apr 10, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Can anyone recommend a good low cost generator?
Replies: 35
Views: 5433

Re: Can anyone recommend a good low cost generator?

I'm not sure there's an advantage to propane either. Anything bigger than a 20 lb tank is not much fun to move around or take for refill. And I don't think a 20 lb tank will last any longer than a 5 gallon gas can. I used to have a portable propane generator and it was great while it lasted. The 20...
by Postmon
Thu Apr 09, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Can anyone recommend a good low cost generator?
Replies: 35
Views: 5433

Re: Can anyone recommend a good low cost generator?

Biggest problem for me is when the power goes out, so do the gas pumps. These generators can go through gas quickly and I'm don't like the idea of storing a lot of gas around the house waiting for the next outage. So, even though I'd like to get one, it's not very practical unless you can find a gas...
by Postmon
Sat Apr 04, 2015 8:23 am
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 8105

Re: Buy riding mower or hire service to cut grass?

As an alternative to the riding mower, how about a wide deck push mower? They're about 30" - 33" wide compared to the the typical 21" - 22" mower. One of these would cut the time down significantly without going the ride-on route.
by Postmon
Mon Mar 23, 2015 5:54 am
Forum: Personal Consumer Issues
Topic: External Hard Drive?
Replies: 44
Views: 5894

Re: External Hard Drive?

I've found Crashplan to be excellent at $60/year for unlimited automatic backups. I do have external hard drives for backup but I just don't back them up as much as I should. :oops: My files are priceless to me so I consider the $60/year to be cheap insurance.
by Postmon
Sat Mar 21, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Mother-in-laws portfolio. Need advice.
Replies: 9
Views: 1529

Re: Mother-in-laws portfolio. Need advice.

Are these funds in taxable or tax-deferred accounts? How much in each? What is the cost basis for each of the funds in taxable?
by Postmon
Thu Mar 19, 2015 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: VXUS [Should I buy Vanguard Total Int'l Index, Total Bond?]
Replies: 13
Views: 1960

Re: VXUS [Should I buy Vanguard Total Int'l Index, Total Bon

With regards to VXUS, is now the time to buy? If you're asset allocation calls for VXUS, then it's the time to buy Not trying to time the market but also don't want to buy at the worst time. I think you're trying to time ...with rate hikes most likely coming soon? Rate hikes have been "most li...
by Postmon
Mon Mar 16, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 41
Views: 7840

Re: Cleaning my back yard?

Any suggestions on which of these two to buy, or are they pretty much the same? Jomax need to be mixed with Bleach, wheras wet-n-forget need to be mixed with water. I think it's a matter of a harsh chemical with immediate results versus a non-caustic solution that may take some time. What about nap...
by Postmon
Sun Mar 15, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 41
Views: 7840

Re: Cleaning my back yard?

Two big advantages of the Wet and Forget are you don't have to scrub (no elbow grease) and it's not caustic. Just spray it on and forget about it. I had a similar situation on our patio and after a month or so all the algae was gone. Don't know if they sell it at HD but you you can get it at Amazon ...
by Postmon
Sat Mar 14, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Cleaning my back yard?
Replies: 41
Views: 7840

Re: Cleaning my back yard?

Forget the pressure washer or bleach! Try "Wet & Forget" -- I love this stuff and it's so easy to apply. Just spray it on and no scrubbing. :beer You can get it at Costco. http://wetandforget.com/product_wet_and ... tdoor.html
by Postmon
Tue Mar 10, 2015 9:25 am
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 3756

Re: International value: worth the fees?

I contribute each month. I do not understand how can one can rationalize paying $8/trade under any circumstance, when commission-free funds are ubiquitous. Depends on what the alternatives are, how much you're investing and how often. If it's say $100/month, I agree. But if the fund is the only one...
by Postmon
Mon Mar 09, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: International value: worth the fees?
Replies: 24
Views: 3756

Re: International value: worth the fees?

rca1824 wrote:Unfortunately Fidelity does not offer EFV under free commission.


It's only $7.95 a trade. Do you plan to trade so much where that will make a difference?
by Postmon
Sun Mar 08, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: finance a car or not
Replies: 28
Views: 3079

Re: finance a car or not

As the dealers have different brand cars, and if the preference were for dealer 1 who has the finance cost and no cash rebate, would you feel the same? Hold on a minute! The most important thing is to first decide on the vehicle that you want, then which dealer to buy it from. If you haven't decide...
by Postmon
Sun Mar 08, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: finance a car or not
Replies: 28
Views: 3079

Re: finance a car or not

I hate debt so if I had an extra $20K available, I'd pay cash and take the $750 rebate. I realize there might be some opportunity cost in financing but I sleep better at night not having to worry about a payment.
by Postmon
Sat Mar 07, 2015 10:14 am
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 1147

Re: questions about portfolio

How and what do i compare my portfolio to to see how this advisor did for us since we had them? Thanks What I was getting at is hindsight is 20/20 and it's impossible for ANYONE to predict what the markets are going to do... OP’s question comes from a comment I made earlier about comparing his FA’s...
by Postmon
Fri Mar 06, 2015 11:40 am
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 1147

Re: questions about portfolio

How and what do i compare my portfolio to to see how this advisor did for us since we had them? Thanks What I was getting at is hindsight is 20/20 and it's impossible for ANYONE to predict what the markets are going to do. Do you recall how rocky things were back in the 2008 timeframe? How could an...
by Postmon
Thu Mar 05, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: questions about portfolio
Replies: 14
Views: 1147

Re: questions about portfolio

randypape wrote: they didn't move anything around like the advisor would have. what do you think about that comment?


"Would have" or "did"? Were you with EJ in 2008/2009? If so, what did they do and when?

I'd ask them what crystal ball are they using? :wink:
by Postmon
Thu Mar 05, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 9616

Re: Reasons not to use Total Bond Market?

zadie wrote:Are there any reasons to NOT just invest all in BND?


Here are two that are frequently cited:

1) It has too much MBS.
2) Take your risk on the equity side so limit your bonds to Treasuries and maybe short term high quality Corporates.
by Postmon
Sun Feb 22, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 5902

Re: help me speed up my computer

Then, I ran CC Cleaner, which I do pretty regularly. This eliminates all history/cookies. Did you also run the Registry cleaner? There's a "Registry" button on the left side below "Cleaner." If not, that may help a lot. You should do it a few times until everything is fixed. Als...
by Postmon
Sat Feb 21, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 5902

Re: help me speed up my computer

Throw it away and buy a Chromebook. Best thing I have done in a long time. +1 If you mostly use it for internet, Chromebook (or Chromebox) is the way to go. They're very inexpensive, no maintenance needed, and amazing performance. I've dropped MS Office and use Google's products exclusively. I kept...
by Postmon
Sat Feb 21, 2015 8:35 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 16794

Re: why do some people like Fidelity?

And let's not forget the 2% cash back AMEX credit card and the no fee ATM card.
by Postmon
Fri Feb 20, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 9614

Re: Test drive new vehicle without sales pressure?

ThankYouJack wrote:Does anyone know what other information they can gather from your license?


Would not surprise me if they google your name and address to see what they can find, including the value of your home or where you're renting.
by Postmon
Fri Feb 20, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 9614

Re: Test drive new vehicle without sales pressure?

terran wrote:we could buy today for the right deal


That's definitely a cue for the salesperson to turn up the pressure. The response will be what's the right deal and then the games begin.
by Postmon
Thu Feb 19, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k Portfolio Help
Replies: 6
Views: 1226

Re: Fidelity 401k Portfolio Help

I know the Spartan International Index Fund is not the same as the Global Ex-US fund (no exposure to Canada or emerging markets). Is this a concern, and can I make up for it by investing in one of the other funds available? Not sure which of those funds would get you EM exposure at a reasonable cos...
by Postmon
Thu Feb 19, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Index Fund
Replies: 4
Views: 621

Re: Vanguard International Index Fund

for tax purposes I am considering the ETF...good move? Yes, but just make sure you understand that ETFs trade like stocks, not like Mutual Funds. Some folks may not be comfortable with them. Additionally, If you prefer Mutual Funds, it might be worth the additional cost to buy the Investor shares t...