Search found 164 matches

by Prudence
Sun Sep 18, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 1959

Re: Calling DC area Bogleheads for help with relocation

To those familiar with the Washington DC area, I'm looking for your insight. I may have the option to attend a two-year academic program at Georgetown beginning in January, and I'm weighing it against some alternatives, trying to take a holistic approach that considers more than just academics: cos...
by Prudence
Mon Aug 08, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3264

Re: Moving from Android to iPhone

I am an Apple guy and I am typing this on a Macbook right now. I own an (new version) iTouch, but not an iPhone. Honestly, steer clear of the iPhone, at least for now. I am very close to someone who has a Galaxy S7 Edge and it blows away the 6S Plus. It isn't close. The camera is better, the speed ...
by Prudence
Mon Aug 08, 2016 7:19 am
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3264

Re: Moving from Android to iPhone

I do a few texts and calls each day. Rarely use the mobile to browse the internet or use apps or download files or listen to music, but, I like having the capability to do these things. I take pics occasionally. So, obviously, my usage stats are relatively low in phone, text, and data. I do tend to...
by Prudence
Sun Aug 07, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3264

Re: Moving from Android to iPhone

I have a very old Motorola smart phone that needs to be replaced. For a couple of reasons, I would like to switch to the iPhone 6 Plus (SIM Free; 16MB). We have a windows PC with no plans to switch to a MAC. What problems can I expect, if any? For example, will I be able to save pictures from the i...
by Prudence
Sat Aug 06, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3264

Re: Moving from Android to iPhone

I would also recommend you stick to android. The issue with apple is their phones are really really expensive...and they never go on sale unless you buy a couple model old ones. Android has a lot of choices...you can get a brand new $200 phone that works really well. I actually recently purchased t...
by Prudence
Sat Aug 06, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3264

Re: Moving from Android to iPhone

I'd also look at the top LG phones. I have a fairly new LG 5 and it has been great. No glitches, long battery life, great camera (which I rarely use). In addition to many features/specs, two reasons I chose this were (a) can add SD card to expand memory and (b) the battery is removable. In rare cir...
by Prudence
Fri Aug 05, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3264

Re: Moving from Android to iPhone

I won't try to talk you out of the iphone, (agree about 16gb being too small), but fortunately there is now an app to make the move less painful. http://www.apple.com/iphone/switch-to-iphone/ I have a nexus and love it by the way. Please try to talk me out of the iPhone (unless all the points have ...
by Prudence
Fri Aug 05, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Moving from Android to iPhone
Replies: 48
Views: 3264

Moving from Android to iPhone

I have a very old Motorola smart phone that needs to be replaced. For a couple of reasons, I would like to switch to the iPhone 6 Plus (SIM Free; 16MB). We have a windows PC with no plans to switch to a MAC. What problems can I expect, if any? For example, will I be able to save pictures from the iP...
by Prudence
Thu Aug 04, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: No faith in stocks/bonds - Where to park cash?
Replies: 38
Views: 3813

Re: No faith in stocks/bonds - Where to park cash?

You should research the Permanent Portfolio. It's a low volatility asset allocation which attempts to address every economic condition. At it's core it is 25% stock, 25% cash (short-term treasuries), 25% long-term treasuries, and 25% gold. The components sound crazy, but together they result in slo...
by Prudence
Mon Jul 25, 2016 6:50 am
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2816

Re: HDTV Question

Thank you!
by Prudence
Sat Jul 23, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2816

Re: HDTV Question

Ok, I think I understand now. Based on all the replies, the 2.1 soundbar may not perform better than my old Bose receiver with its five speakers and subwoofer. Maybe I should buy a 5.1 soundbar instead of the 2.1? Or, just continue on with the Bose? Currently, when I am watching movies on blu ray, ...
by Prudence
Sat Jul 23, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2816

Re: HDTV Question

Many of the less expensive : manual HDMI switches (costing ~$20) will automatically switch to a freshly powered input. Ok, I think I understand now. Based on all the replies, the 2.1 soundbar may not perform better than my old Bose receiver with its five speakers and subwoofer. Maybe I should buy a...
by Prudence
Sat Jul 23, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2816

Re: HDTV Question

Looks like you should get an hdmi switch and hook the sound bar up as per page 21 using hdmi http://downloadcenter.samsung.com/content/UM/201603/20160317094819913/HW-K450_ZC_ENG_WEB_IB-0317.pdf Source----->sound bar------>TV Ok, I read pages 22 and 24 in the Samsung download. I can buy an hdmi swit...
by Prudence
Fri Jul 22, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2816

Re: HDTV Question

Prudence - Please provide the make and model# of the TV, and make and model# of the sound bar. There may be very affordable ways to get the two to work together. Also - are you only watching over-the-air content on the TV (via an antenna?) if not, what else are you watching? TV Panasonic TH-46PZ80U...
by Prudence
Fri Jul 22, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2816

Re: HDTV Question

I would not return it, just based upon the info you provided. Does your TV have an optical audio output, and does the TV have optical audio input? This would provide a very high quality signal, and you would not be able to tell the difference in the case of a sound bar. I think what you mean when y...
by Prudence
Thu Jul 21, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: HDTV Question
Replies: 27
Views: 2816

HDTV Question

I have an older HDTV that has two HDMI inputs but no HDMI output. I just purchased a Samsung sound bar that has one HDMI input. I am concerned that I will not get HD sound, which is what I am seeking, from the Samsung sound bar. So, I think I will return the sound bar now, until I purchase a compati...
by Prudence
Thu Jun 23, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 597

Re: BJRConsultancy [user allowed remote access to PC]

> They told her they were from the Windows Department and were Windows servicers. Classic scam. When did Microsoft ever do anything for you, even if you asked?? > When I came home, I shutdown and hung up the phone. Now I don't know what to do. Who can I report them to? No point. They are probably i...
by Prudence
Thu Jun 23, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 597

Re: BJRConsultancy [user allowed remote access to PC]

prudent wrote:What version of WIndows are you using?


Windows 10
by Prudence
Wed Jun 22, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 597

Re: BJRConsultancy

There is zero chance the person who called identified the real company he worked for. The whole operation is a scam, they aren't providing any real info. 1. Assume your computer is infected with spyware and malware. 2. Assume they searched for and copied any files that might have information they c...
by Prudence
Wed Jun 22, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 597

Re: BJRConsultancy

There is zero chance the person who called identified the real company he worked for. The whole operation is a scam, they aren't providing any real info. 1. Assume your computer is infected with spyware and malware. 2. Assume they searched for and copied any files that might have information they c...
by Prudence
Wed Jun 22, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 597

Re: BJRConsultancy

https://beta.companieshouse.gov.uk/company/07585790 Seeing as "they" -- so far as I can tell, never more than a one man operation -- were legally dissolved in 2012, you can bet that any communication you receive from someone claiming to be "BJRConsultancy" is illegitimate. They ...
by Prudence
Wed Jun 22, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: BJRConsultancy [user allowed remote access to PC]
Replies: 13
Views: 597

BJRConsultancy [user allowed remote access to PC]

I think this company may have tried to hack our laptop this morning. Has anyone had any issues with them?
by Prudence
Thu Jun 16, 2016 8:58 pm
Forum: Personal Consumer Issues
Topic: Comcast vs FiOS vs Sling TV
Replies: 15
Views: 2168

Re: Comcast vs FiOS vs Sling TV

http://www.getinthegreen.com/blog/budget-series-2016-part-3-cable-and-internet Here is a post I did on this topic a few weeks ago. I hope you find it to offer a few helpful tidbits. My friend has an HD antenna and an Apple TV which allows him to access many providers of content. I am curious that y...
by Prudence
Fri May 27, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Buying Second Home
Replies: 2
Views: 392

Buying Second Home

We are exploring buying a second home in or near Rehoboth Beach Delaware. We are considering existing homes and new homes that are being marketed by builders. I contacted a realtor (have not signed any agreement). Should we use this realtor only to see existing homes? If we decide to buy a new home ...
by Prudence
Sun May 15, 2016 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 8061

Re: Won the game - time to quit playing?

Friends, Thanks for the many helpful comments. I don't think I used the correct language in the subject title and I apologize for that. I don't have a financial background and I don't always use the correct financial laguage - I'm just a guy learning much from you and trying to avoid stupid mistake...
by Prudence
Fri May 13, 2016 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Won the game - time to quit playing?
Replies: 46
Views: 8061

Re: Won the game - time to quit playing?

I think 58/42 is good for the rest of your life. 50/50 is also a good choice for your remaining years. But neither of these AAs have anything to do with "quit playing" in the subject line. Investing is a lifelong process, you see... Right. Staying with 58/42 or going to 50/50 isn't "...
by Prudence
Tue May 10, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: AARP UnitedHealthcare Insurance Company
Replies: 5
Views: 929

Re: AARP UnitedHealthcare Insurance Company

Medigap insurance companies may use age related tests to establish the premium. One is identified as Issue-age related, using your age when you are first issued coverage. The other is attained-age related, using your age when you first apply. here is more: https://medicare.com/medicare-supplement/h...
by Prudence
Mon May 09, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: AARP UnitedHealthcare Insurance Company
Replies: 5
Views: 929

AARP UnitedHealthcare Insurance Company

I enrolled in Plan F effective April 2016. My wife turns 65 in July and we plan to enroll her in a Plan F. We live in Maryland close to DC. My AARP plan has community rating premiums. According to my policy certificate: "we will apply any change we make to everyone with the Plan who resides in ...
by Prudence
Thu May 05, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Insurance
Replies: 38
Views: 3144

Re: Choosing Medigap Insurance

When I looked at the AARP plan, it is indeed community rated, which sounds like a good thing. But buried deep in one publication from them was the fact that they discount their first year premium by 30% at age 65. This discount goes away by 3 percentage points every year until it goes away at age 7...
by Prudence
Mon Apr 18, 2016 7:24 am
Forum: Personal Finance (Not Investing)
Topic: VA Medical Benefits
Replies: 13
Views: 1709

Re: VA Medical Benefits

Thank you very much for the above reply and all the other replies. I would just add that my friend has been receiving the care and treatment exactly as you describe.
by Prudence
Sun Apr 17, 2016 7:47 am
Forum: Personal Finance (Not Investing)
Topic: VA Medical Benefits
Replies: 13
Views: 1709

Re: VA Medical Benefits

Just because you are a vet does not automatically give you health care access. Currently, there is a classification system which contains eight separate levels of rating for your benefits: http://www.va.gov/healthbenefits/resources/priority_groups.asp As for myself? I'm in Group 3, but still not el...
by Prudence
Sat Apr 16, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy part F Medicare?
Replies: 28
Views: 2217

Re: Where to buy part F Medicare?

Medicare for Dummies advised obtaining a Medigap policy with the community-rated pricing method. In my zip code in Maryland, it appeared that only AARP / United offered F with community-rated.
by Prudence
Sat Apr 16, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: VA Medical Benefits
Replies: 13
Views: 1709

VA Medical Benefits

I live in Maryland close to the beltway. An acquaintance has been recommending VA over Medicare. He has been using VA medical for 40 years and believes the treatment is very good. This includes primary care, specialists, drugs, surgery etc. For him, no expenditures for Part B, Part D, or Medigap. Su...
by Prudence
Sat Mar 26, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension - Joint Survivor Annuity
Replies: 41
Views: 2548

Re: Defined Benefit Pension - Joint Survivor Annuity

my wife and I are both eligible for pensions. Hers mostly inflation adjusted, mine not . Both of us eligible to choose 0, 50, 75 or 100% to survivor. What we did was calculate what we would each need financially as survivor: assuming needing about 70% of joint income. We took into account social se...
by Prudence
Thu Mar 24, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension - Joint Survivor Annuity
Replies: 41
Views: 2548

Re: Defined Benefit Pension - Joint Survivor Annuity

Just to confirm, you chose the 100% option (surviving spouse would receive the same annuity payment as when you were alive), right? Correct. To clarify, this would be the "same", but of a reduced amount compared with the payment if only 75% or 50% was selected for the survivor. (That diff...
by Prudence
Thu Mar 24, 2016 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension - Joint Survivor Annuity
Replies: 41
Views: 2548

Re: Defined Benefit Pension - Joint Survivor Annuity

The calculations are based in part on the age difference between the retiree and the survivor. In our case, my spouse is two years younger than me. The reduction for going with the 100% survivor continuance vs. the 50% (for my larger COLA'd pension) was only 9%. My Federal FERS pension (much smalle...
by Prudence
Wed Mar 23, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension - Joint Survivor Annuity
Replies: 41
Views: 2548

Re: Defined Benefit Pension - Joint Survivor Annuity

The calculations are based in part on the age difference between the retiree and the survivor. In our case, my spouse is two years younger than me. The reduction for going with the 100% survivor continuance vs. the 50% (for my larger COLA'd pension) was only 9%. My Federal FERS pension (much smalle...
by Prudence
Wed Mar 23, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Pension - Joint Survivor Annuity
Replies: 41
Views: 2548

Defined Benefit Pension - Joint Survivor Annuity

My company's pension plan materials state that, if one is married, the normal annuity form is a 50% joint and survivor annuity which provides a reduced monthly payment for his lifetime. At death, the survivor will receive payments for 50% of the annuity going forward. I need to choose between the 50...
by Prudence
Wed Mar 09, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: File-and-suspend strategy for Social Security - check my understanding?
Replies: 9
Views: 797

Re: File-and-suspend strategy for Social Security - check my understanding?

The bold is my emphasis. Since it's not April 29th yet, my mother-in-law would be able to file a restricted application just for spousal benefits (and allow the individual benefit to continue to grow till age 70).. or am I not understanding this correctly? I appreciate the guidance! Not correct. Sh...
by Prudence
Mon Mar 07, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D
Replies: 34
Views: 2593

Re: Medicare Part D

Thanks much!
by Prudence
Fri Mar 04, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D
Replies: 34
Views: 2593

Re: Medicare Part D

Great replies! I feel much more comfortable now. Thank you.
by Prudence
Fri Mar 04, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D
Replies: 34
Views: 2593

Medicare Part D

Last week, many of you helped me with a question on Part B (resolved!). I am 69 and retiring on April 1st. I have Part A and Part B and Medigap F. The reading I have done suggests that a Part D prescription drug plan would be a good idea. According to the medicare.gov plan finder, there are 19 plans...
by Prudence
Sun Feb 21, 2016 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2325

Re: Medicare Part B

I don't know if it is still true, but it used to be that you had until 60 days AFTER you left your employment to sign up retro-actively for COBRA coverage. Of course, you want a secondary insurance in case you are hospitalized on April 2. Even if Medicare starts on April 1, 20% of the remaining bil...
by Prudence
Sun Feb 21, 2016 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2325

Re: Medicare Part B

I went through this process recently. My employer signed the Request For Employment Information form in September completing the "Still Employed" box as of 09/2015, and the Employment "To" box was left blank since my employment had not ended. Went to the Social Security office i...
by Prudence
Sun Feb 21, 2016 6:06 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2325

Re: Medicare Part B

mbres60 wrote:Why be uninsured for a month? Have the effective date be April 1.

Not sure Medicare will do that in this specific situation but I will ask on Tuesday. Thank you.
by Prudence
Sat Feb 20, 2016 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2325

Re: Medicare Part B

I went through this process recently. My employer signed the Request For Employment Information form in September completing the "Still Employed" box as of 09/2015, and the Employment "To" box was left blank since my employment had not ended. Went to the Social Security office i...
by Prudence
Sat Feb 20, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2325

Re: Medicare Part B

I have been in Human Resources for more years than I would like to admit on a public forum, and several of these responses are completely and totally incorrect. First, if you are over 65 and elect COBRA, then Medicare A and B are the primary coverage and COBRA is secondary regardless if you have Me...
by Prudence
Sat Feb 20, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2325

Re: Medicare Part B

I have been in Human Resources for more years than I would like to admit on a public forum, and several of these responses are completely and totally incorrect. First, if you are over 65 and elect COBRA, then Medicare A and B are the primary coverage and COBRA is secondary regardless if you have Me...
by Prudence
Sat Feb 20, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2325

Re: Medicare Part B

I think the following may be helpful in your situation. When employer/union coverage ends Once your employment (or your employer/union coverage) ends, 3 things happen: You may be able to get COBRA coverage, which continues your health insurance through the employer's plan (in most cases for only 18...
by Prudence
Sat Feb 20, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2325

Re: Medicare Part B

Sounds like the issue is your employer and not Medicare rules :( Another option is to check with SS to see if you sign up for Part B now while you are still working how long it will take before Part B becomes effective. This might be the work around you are looking for. This seems to be the problem...

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