Search found 172 matches

by Small Law Survivor
Sun Jun 18, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6302

Any BHs Had Experience With the Honda Fit?

[Thread merged into here, see below (next page). --admin LadyGeek] Back in March I posted that I was planning to get my college grad daughter a car after graduation. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=212481 I got a lot of good comments, including this from ValueThinker: Certa...
by Small Law Survivor
Thu Jun 15, 2017 7:09 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 64
Views: 4647

Re: Favorite Feature of Vanguard Website?

That retirement calculator isn't useable for many people. Want to retire prior to age 50? Make over $400K? Save over $60K per year? Currently have over $2M saved? Need less than 60% of your current income in retirement? If any of these are true then the calculator isn't workable. How hard would it ...
by Small Law Survivor
Wed Jun 14, 2017 6:30 am
Forum: Forum Issues and Administration
Topic: How to "follow" a thread of BH
Replies: 8
Views: 914

How to "follow" a thread of BH

I believe someone mentioned how to do this, but I can't seem to figure it out. There are certain threads that, as they fade into the past and off the board, I'd like to be notified if and when additions are made. Could someone remind me how to do this?
by Small Law Survivor
Mon Jun 12, 2017 7:42 am
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 94
Views: 6288

Re: HSAs and "Saving Medical Receipts"

Just checking, since you say you're 66. Did you decline Part A Medicare, because if you didn't, you won't be eligible to make a contribution to an HSA. As Jebmike noted, keep your receipts separate. Those already used for tax relief, aren't eligible to be used again. Also, depending on what Medicar...
by Small Law Survivor
Sun Jun 11, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7338

Re: What Do You Pay for an Oil Change?

Jiffy Lube horror stories are pretty frightening. Glad I asked ... :happy

Small Law Survivor
by Small Law Survivor
Sun Jun 11, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: HSAs and "Saving Medical Receipts"
Replies: 94
Views: 6288

HSAs and "Saving Medical Receipts"

I have over $80,000 in my HSA at age 66, and I am still contributed to it. My "plan" is to hold for 10 years, at which point it will be $160,000 (if I can get 7% - who knows?). Whatever it is, in our mid-70s I will begin using it for for Medicare premiums for my wife and myself and other q...
by Small Law Survivor
Sun Jun 04, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8599

Re: Everything keeps going up, this feels too easy?

And am gradually setting aside the money I will spend during the first 5 or 10 years of retirement.

It is really hard to think of spending it.


After a lifetime of savings it's as hard (or harder) to spend as it was to save.
by Small Law Survivor
Fri Jun 02, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Recent DFA Powerpoint on BH
Replies: 0
Views: 317

Recent DFA Powerpoint on BH

Very recently there was a thread that included a link to a DFA Powerpoint presentation. I meant to download it, forgot, and now I can't seem to find that thread.

Would anyone be able to direct me to it?

Thanks very much.
by Small Law Survivor
Thu Jun 01, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7338

Re: What Do You Pay for an Oil Change?

You really need to give us a frame of reference. How many quarts of oil and was it conventional or synthetic?


I edited initial post to provide this -

Volvo XC70. Synthetic oil - quantity not on invoice, but manual says 5.8 quarts (call it 6 qts)
by Small Law Survivor
Thu Jun 01, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7338

What Do You Pay for an Oil Change?

I live in Massachusetts, and I've had our cars serviced by a local gas station/repair shop. But, the cost of a recent oil change took me by surprise. The total was $96, as follows (numbers rounded): Filter - $10 Oil - 60 Coolant - 5 labor - 21 Tax - 4 (Discount) - 5 Is this a reasonable cost, or sho...
by Small Law Survivor
Thu May 25, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Choosing a Trustee/Vanguard trust services?
Replies: 18
Views: 9651

Re: Choosing a Trustee/Vanguard trust services?

I bumped this to the top, to see if anyone else has had experience using Vanguard as trustee, and could update this thread.
by Small Law Survivor
Mon May 22, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Solid salt in water softener
Replies: 14
Views: 1507

Re: Solid salt in water softener

Thank you, deanbrew.
by Small Law Survivor
Thu May 18, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Solid salt in water softener
Replies: 14
Views: 1507

Re: Solid salt in water softener

Has the salt grid collapsed, is that why the salt got wet and solidified? If so, I would think that all the salt will need to be removed to replace that. If not, then I'd be worried about breaking that grid in trying to break up the salt. Hmmm ... this makes me insecure, since I'm not sure what the...
by Small Law Survivor
Wed May 17, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Solid salt in water softener
Replies: 14
Views: 1507

Re: Solid salt in water softener

Thanks all, been away, haven't had a chance to check back on this. Still wondering whether this is an easy DIY, or I need to call the water softener company or a plumber.

Small Law Survivor
by Small Law Survivor
Fri May 12, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Solid salt in water softener
Replies: 14
Views: 1507

Solid salt in water softener

The salt in our water softener has formed a solid block. I see, based on a quick web search, that this is not uncommon. But, the instructions for breaking up the salt go beyond just chipping away at the salt with a broom handle. And, I tried that but the salt is so solid that it had no effect at all...
by Small Law Survivor
Tue May 02, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of purchasing a Kindle "Voyage"
Replies: 10
Views: 1082

Thinking of purchasing a Kindle "Voyage"

as a birthday present to myself.

Have any BHs purchased one of these? What do you think?

And, looks like I'll have to wait - the Amazon page for the Voyage says "currently unavailable" :)

Small Law Survivor
by Small Law Survivor
Tue Apr 25, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good long term care policy?
Replies: 11
Views: 760

Re: Is this a good long term care policy?

The insurance company is UNUM. I'll have to find the policy to see duration.
by Small Law Survivor
Tue Apr 25, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is this a good long term care policy?
Replies: 11
Views: 760

Is this a good long term care policy?

My employer offered this LTC policy to us in 2000, and I've had it ever since. When I leave the employer, I can take it with me. The monthly benefits in 2000 were: Facility (nursing home) - $6,000/month Assisted living facility – 3,600 Home health care - $3,000 These amounts increase annually by 5% ...
by Small Law Survivor
Tue Apr 25, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

True, but it seems that even some SS employees don't know this. I quote from the original AARP article linked above: But many people don’t go to these sources. Instead, they rely on information from their employers, their insurance company or Social Security officials. Bregar, who accepted a volunta...
by Small Law Survivor
Tue Apr 25, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

Wouldn't paying for COBRA be much more expensive than signing up for medicare and purchasing medigap insurance? It would, but there are situations where people could elect to do this. Example: you have a child under age 26 that has a serious pre-existing condition. It would be less expensive to kee...
by Small Law Survivor
Tue Apr 25, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

This system is full of "traps". I was listening to an interview of Medicare expert/author Katy Votava on the Wealthtrack podcast, and she mentioned another one, which apparently is known as the Part B/COBRA trap. As I understand it, if you are over 65 and you leave a job, you can't just us...
by Small Law Survivor
Tue Apr 25, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

This episode is finally concluded, I think. To recap, I turned 65 in May 2016, and signed up for Medicare Part A while still employed and still covered by a high deductible HSA. I realized in September 2016 that I could not contribute to the HSA while in Part A, so I submitted the paperwork to withd...
by Small Law Survivor
Mon Apr 17, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 78
Views: 6964

Re: Hearing aid 101

hearing loss that is mainly diminished sound can be helped by aids to pump up the sound and somewhat select/focus on the desired source of the sound
hearing loss because of not hearing clearly is not helped all that much by aids


Hmmm ... I really don't know which of these two issues I have (!)
by Small Law Survivor
Mon Apr 17, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 78
Views: 6964

Re: Hearing aid 101

I saw an audiologist and ENT last week, and they urged me, at age 66 , to get hearing aids for both ears. I don't doubt that they are correct - I do need these. They also urged me to purchase them from the hearing facility that they work for (Harvard Vanguard in Boston). I assume (although I don't k...
by Small Law Survivor
Wed Apr 12, 2017 8:57 pm
Forum: Investing - Theory, News & General
Topic: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their respect
Replies: 19
Views: 3575

Re: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their res

I think Vanguard is having what we used to call, in my law firm, a "success catastrophe." Growth at a rate that is impossible to keep up with and maintain quality and service.
by Small Law Survivor
Mon Apr 03, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 3591

Re: I'm thinking "no" on Medicare - pls confirm

Spirit Rider - thank you again. I don't understand all of this fully yet, but I'll study it. I have to wonder how the average person is supposed to comprehend and strategize all of this. Not that I'm not average, but I do have a law degree, 37 years of practice, took tax for two semesters in law sch...
by Small Law Survivor
Mon Apr 03, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 3591

Re: I'm thinking "no" on Medicare - pls confirm

Spirit Rider, you are really testing my Medicare/tax IQ ... I hope to continue working for the next 4 years, until I'm 70, so I can stay on my firm's BC/BS HSA plan until then, possibly longer. I realize that when I apply for SS at age 70, that is a hard stop on any further contributions to the HSA....
by Small Law Survivor
Sun Apr 02, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 3591

Re: I'm thinking "no" on Medicare - pls confirm

As long as the spouse is not otherwise ineligible, they are an HSA eligible individual by virtual of family plan coverage and they can make their own catch-up contribution, but it must be made to their own HSA account. Hmmm ... how is this done? I doubt my employer will set up a separate acct for m...
by Small Law Survivor
Sun Apr 02, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 3591

Re: I'm thinking "no" on Medicare - pls confirm

Spirit Rider, thank you for your analysis of my Medicare question. I have been doing only one $1,000 catch-up - I didn't realize my wife could exercise another $1,000 catch-up. I'll confirm this, but very helpful to hear this. I wish I'd known about this, since we've missed about 10 years of a secon...
by Small Law Survivor
Sun Apr 02, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 3591

Re: I'm thinking "no" on Medicare - pls confirm

Spirit Rider wrote: I see that you didn't read my previous post. NO he definitely shouldn't just sign up for Medicare Part A. It could be foolish to do so. Yes, for most people there is no Medicare Part A premium. However that does not make it "free." The OP has an HDHP employer plan with ...
by Small Law Survivor
Sat Apr 01, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 3591

Re: I'm thinking "no" on Medicare - pls confirm

The plan does not require Medicare enrollment at age 65 - you can stay on my employer's BC/BS past 65. We have one guy in his early 70s that has never signed up for Medicare. Dan999 - when you say: +1 That is what I did and all conventional wisdom says to do this. . . . do you mean stay on employer'...
by Small Law Survivor
Sat Apr 01, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 3591

I'm thinking "no" on Medicare - pls confirm

My wife and I will both be 65 later this year, so we could enroll in Medicare. But, I'm still working. My premiums (for "Blue Choice") are $6,800/yr. Plus, this is a high deductible HSA plan, and the deductible is $4,000. Given some expensive meds one of us is one, we use up the entire ded...
by Small Law Survivor
Tue Mar 21, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Motif Investing Implementation of Ultimate Buy and Hold
Replies: 26
Views: 3089

Re: Motif Investing Implementation of Ultimate Buy and Hold

So dividends are not automatically reinvested? - Does that mean you need to go into the account every few months (or less) and hit the "invest" button, which will then invest the money in the ETFs in your Motif?
by Small Law Survivor
Sat Mar 18, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbo Tax for quarterly tax estimates for 2017
Replies: 21
Views: 1425

Re: Using Turbo Tax for quarterly tax estimates for 2017

I've been wondering about this too. In 2017 most of my taxable income will be from a Roth conversion - but, it will be substantial - $150,000, possibly more, I haven't decided yet. That, plus other income, will result in a $40,000 or more federal tax, and an ~$10,000 state income tax. Assume that I ...
by Small Law Survivor
Thu Mar 02, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6302

Re: What Car Should I Buy My Daughter as a Graduation Present

Thanks for all these thoughts, they are very helpful.
by Small Law Survivor
Wed Mar 01, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6302

Re: What Car Should I Buy My Daughter as a Graduation Present

Cars can be very personal. What about telling her you have xyz dollars to buy her a car, what would she like, and then go out shopping for it with her. I do plan to ask her this, but I suspect she will not have strong feelings one-way-or-another, and will be receptive to my suggestions. But, we'll ...
by Small Law Survivor
Wed Mar 01, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6302

What Car Should I Buy My Daughter as a Graduation Present

[Status updated on Page 2 --admin LadyGeek] My daughter is graduating from college in May, and I'm going to buy her a car. My dad did it for me, and I'm fine doing this for her. It will be a used car. But, I don't follow the car market at all - I'm not a car-person. Cars have always been a mode of ...
by Small Law Survivor
Sun Feb 26, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 5581

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

Why are mortgage backed bonds seemingly disfavored by some of the posters in this thread?

Small Law Survivor
by Small Law Survivor
Tue Feb 07, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Transition from private insurance to Medicare
Replies: 21
Views: 1468

Re: Transition from private insurance to Medicare

Thank you all, for this advise and warnings. This is a lot to think about!

Small Law Survivor
by Small Law Survivor
Tue Feb 07, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Transition from private insurance to Medicare
Replies: 21
Views: 1468

Transition from private insurance to Medicare

Later this year both my wife and I will be 65, and I'm wondering about what to expect in the transition to Medicare. Presently, we are covered by my employer's Blue Cross/Blue Shield insurance. Between the two of us, there will be some medical events right around the time of the transition: a knee r...
by Small Law Survivor
Sun Jan 22, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Non-compete for Independent Contractor
Replies: 19
Views: 1722

Re: Non-compete for Independent Contractor

You are asking questions that cannot be answered on a forum I agree. This is usually at least a one hour conversation with either the former employee or the new employer, plus review of the noncompete agreement. It's far to fact specific (and state-law specific) for an online forum. Small Law Survi...
by Small Law Survivor
Sun Jan 22, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Non-compete for Independent Contractor
Replies: 19
Views: 1722

Re: Non-compete for Independent Contractor

I have a lot of experience representing clients in this area, and agree with almost all of above - it is highly state specific, and you should consult a lawyer who is experienced in this area. The one thing I disagree with is the comment: However, in the end, it has nothing to do with you. The contr...
by Small Law Survivor
Mon Jan 09, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Is CreditKarma legit?
Replies: 16
Views: 2604

Is CreditKarma legit?

https://www.creditkarma.com/tax They claim to provide "truly free tax returns". You need to sign up, and when you do you receive a "free credit score." On the sign-up page they quote Alan Roth: "After signing up for CreditKarma.com, without giving my credit card number to th...
by Small Law Survivor
Thu Dec 01, 2016 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

I sent an email to Patricia Barry, the author of Medicare for Dummies. Here is her response: Don't worry. You won't lose your Social Security benefits for life. The Medicare official you spoke to is entirely wrong. The Social Security Administration, not Medicare, is the agency that deals with Medic...
by Small Law Survivor
Wed Nov 30, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

Yes, someone did raise this point in my earlier thread. There is a six month look-back when you enroll in Medicare, so you shouldn't make HSA contributions during that period or you are penalized in some manner.
by Small Law Survivor
Wed Nov 30, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

Reporting back :) Today - 1. I spoke with a supervisor at Medicare. She said the agent I spoke with yesterday was incorrect. 2. I spoke with an agent at SS (which is responsible for Medicare enrollments, and therefore should be the first line of inquiry, I understand). He said what I was told yester...
by Small Law Survivor
Wed Nov 30, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

Interesting point, Watty - In fact, my insurer DID cancel my insurance when I turned 65, leading to some complications. However, I was able to quicly reinstate it, and it has paid claims for the last 7 months. But you are right, in one sense - insurers seem to assume that when you turn 65, you are g...
by Small Law Survivor
Wed Nov 30, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits
Replies: 32
Views: 5164

Re: Disturbing Conversation With Medicare Agent re Forfeiture of Future Social Security Retirement Benefits

I am the OP. Neurosphere - I am 65, wife 64, we are not rec'ing ss benefits. I too looked through POMS, which is referenced in the Hall case. The section I found that seems relevant is as follows: HI 00801.034 Withdrawal Considerations A. Policy To withdraw from the HI program, an individual must su...

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