Search found 67 matches

by bill88
Sat Apr 09, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 5055

Re: Dallas suburbs or Northern Virginia for me?

I was a little shocked to read these articles. How can one of the wealthiest counties in the country like Fairfax with the median family income of 110K have no money to fix a broken bridge or a crack that is a safety hazard on a playground? And why did the number of residents below the federal pove...
by bill88
Sat Mar 26, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: MedicareRX - pricing biologics
Replies: 17
Views: 1037

Re: MedicareRX - pricing biologics

It's frustrating if you want plan for how much to spend or verifying that the pharmacy didn't make a billing error. It's a negotiation. :-) The first time we called the health insurance company, they quoted about $366 a month, for a 3-month prescription. Discussed again with rheumatologist; called ...
by bill88
Sat Mar 26, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: MedicareRX - pricing biologics
Replies: 17
Views: 1037

Re: MedicareRX - pricing biologics

PS: I don't recommend halving the dosing without the ok of the rheumatologist. There is no point in paying for the drug if a half dose is too weak to work. A common misconception about drugs is that if one pill works, two pills work twice as well and that's almost never the case. Messing with the d...
by bill88
Thu Mar 24, 2016 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: MedicareRX - pricing biologics
Replies: 17
Views: 1037

Re: MedicareRX - pricing biologics

Go to the website of the manufacturer of this drug and see if they have any payment assistance plans. Many of them offer large subsidies directly for biologics. I don't know about the manufacturer of Orencia, but this is the case for others that I am aware of. We've been checking. My impression is ...
by bill88
Thu Mar 24, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: MedicareRX - pricing biologics
Replies: 17
Views: 1037

Re: MedicareRX - pricing biologics

whaleknives wrote:The Medicare Plan Finder does list Orencia injections. That site will give you costs for stand-alone drug plans, and (I think) Advantage plans with drugs.


Thanks, I'm looking at it now. Hope springs eternal! :happy
by bill88
Thu Mar 24, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: MedicareRX - pricing biologics
Replies: 17
Views: 1037

Re: MedicareRX - pricing biologics

Well, the medical insurance system certainly has a big chunk of uncertainty, which makes planning and budgeting tough. Sorry to hear about your situation with UHC. We were stuck with them before Medicare, paying massive premiums which increased double digit every year. I thought once we were on Medi...
by bill88
Thu Mar 24, 2016 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: MedicareRX - pricing biologics
Replies: 17
Views: 1037

MedicareRX - pricing biologics

Wife has pretty heavy duty RA. Rheumatologist advises a biologic, Orencia. Got Orencia quote (injectables, not infusion): 3-month supply is $3,000 (round numbers), so $1,000 a month. That's 12 shots — one a week. My wife is thinking she might try every other week. That's $6k a year if she does every...
by bill88
Tue Feb 16, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring nondeductible IRA -- keep as separate account or add to rollover?
Replies: 2
Views: 197

Re: Transferring nondeductible IRA -- keep as separate account or add to rollover?

Thanks, Alan. Looking to retire soon, so situation #2 is highly unlikely. Need to consider the creditor protection issue, though. I 'think' we'd be mostly covered, given the numbers (and would hope and expect never to have to find out), but things don't always play out the way you think they will. W...
by bill88
Tue Feb 16, 2016 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring nondeductible IRA -- keep as separate account or add to rollover?
Replies: 2
Views: 197

Transferring nondeductible IRA -- keep as separate account or add to rollover?

Am transferring a small nondeductible IRA from Tweedy, Browne to Vanguard brokerage IRA (not Roth). I can transfer it to a new Vanguard IRA account, or to my rollover IRA brokerage account. Simplicity says to just add it to the existing rollover IRA account, but is there a reason to keep a nondeduct...
by bill88
Sat Feb 06, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: upgrade OS on older MAC?
Replies: 33
Views: 1716

Re: upgrade OS on older MAC?

Both machines work flawlessly. Since you've got two Macs, you could keep the flawless 10.6.8 on your '08, and consider a newer OS on your '09. A split system is a bit of a nuisance, but you could keep your older software -- at least for a while -- while enjoying the new OS's benefits. 10.6.8 is (IM...
by bill88
Sat Jun 20, 2015 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

With an immediate annuity those high initial payments come at a price. If you live long enough, those payments won't match up to what you would get with a normal portfolio of bonds and stocks. If you live long enough that is likely to be just when you need more income than what the annuity pays at ...
by bill88
Fri Jun 19, 2015 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

formerly Bill99 When do you become Bill77? :wink: Well...my plan was, when WikiLeaks or Russian/Chinese/North Korean hackers penetrate my incredibly sophisticated password system, that's when I'd move to bill77. Oh, wait! You've spilled the beans!! Hmm...I may have to vaporize my computer system (s...
by bill88
Fri Jun 19, 2015 12:08 am
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

Bill, I think your aunt needs a different perspective on her situation. I'm assuming the portfolio is pretty much the same as what you posted last year, but you should update a bit of the cash amount is now lower. Aunt A wants 65k/ year and also wants to protect money for heirs. Aunt has ~2M, and a...
by bill88
Thu Jun 18, 2015 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

Perhaps she could use that $30k to pay for the drug and 20% medigap (or Medicare Advantage which might be cheaper and closer to what she has now) for a lot of years. I am just suggesting this as keeping a special pot for this in her mind, because it really doesn't matter what pot it comes out of. (...
by bill88
Thu Jun 18, 2015 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: Vanguard Personal Advisor Service

Bill: If this were my Aunt, I would not attempt to tell her how to invest her money--especially when she sets conditions such as "she won't sell her stocks," "she want's her money to work harder." etc.. There are multiple changes you could recommend with many involving tax-conse...
by bill88
Thu Jun 18, 2015 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

$60,000 TOTAL $60,000 AXXA Equitable Annuity (Invested $63,000 (10 yrs. ago?); has withdrawn $13,000 over time, with $60,000 remaining. I think I have that right.) Perhaps this would do better if converted to a low cost SPIA (or even a lower cost variable annuity or other kind through V as I expect...
by bill88
Tue Jun 16, 2015 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

I started to reply and then realised the opening post was in Jan 2014! Not sure why this one was revived. I think because I posted it as a link to her portfolio, to provide some context to the current discussion, titled SPIA or Vanguard fund for income at 80?, here: https://www.bogleheads.org/forum...
by bill88
Tue Jun 16, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

Does she have a favorite charity? If she still has those highly appreciated single stocks in her portfolio, she could contribute them to the charity and get a charitable annuity. That could be a very tax-efficient way for her to support the charity of her choice AND generate an income stream, plus ...
by bill88
Mon Jun 15, 2015 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

Setting up something for monthly or annual deposits to checking account should be relatively easy and any of the methods suggested would work. Unless she has MA with drug coverage or Medigap and Part D, perhaps the SPIA would be wise as that might be what remains if she is hit with expensive drug o...
by bill88
Sun Jun 14, 2015 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

Here's a rough look at Aunt A's portfolio, in a post a year and a half ago. Some modest changes, but still roughly the same...

viewtopic.php?f=1&t=129927

She and I have been discussing this a lot. :-) And, apparently, neither of us are quick decision-makers!
by bill88
Sun Jun 14, 2015 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

What will her income tax rate be in 10 years? She want to bump her income up from current $46k, by about another $65k, over time. Her assets are heavily in cash, lesser amounts in bonds and cds, and a chunk of legacy stocks from which she takes the distributions. Plus a very small Social Security. ...
by bill88
Sun Jun 14, 2015 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

If she has lots of assets including lots of cash then she doesn't need a SPIA. Insurance works best if u need the insurance. Agree. She could easily draw down on large assets, but prefers to preserve and even grow the bulk of them for heirs. Annuity appeal is getting a return of nearly 10% (even th...
by bill88
Sun Jun 14, 2015 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

If you eliminated that five year certain period you'd get a better payout. Gill Agree. Got these Vanguard phone quotes (thru Annuity Access, from Principal Financial [Vanguard 'shops' the policy to 4 or 5 A-rated companies to get the best rate] a few days ago... $856/mo. Lifetime with NO certain. $...
by bill88
Sun Jun 14, 2015 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

Re: SPIA or Vanguard fund for income at 80?

What will her income tax rate be in 10 years? Seems the operative questions are how she will meet living expenses and whether she wants to spend her money or leave it to heirs. I don't know her tax rate. Will find out, I hope. :-) She want to bump her income up from current $46k, by about another $...
by bill88
Sun Jun 14, 2015 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: SPIA or Vanguard fund for income at 80?
Replies: 35
Views: 4309

SPIA or Vanguard fund for income at 80?

My widowed Aunt A. (80 next month) wants more income. Lots of assets, including a ton of cash. Interested in annuities, so I had a long conversation with Vanguard's Annuity Dept. Got a quote for SPIA - Lifetime only with 5 year certain* , for my Aunt A., who turns 80 this July. Payout is $827/mo./$9...
by bill88
Sun Jun 14, 2015 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - Less than meets the eye
Replies: 61
Views: 7948

Re: Long term care insurance - Less than meets the eye

So far we have not heard from anyone who purchased in the last couple of years... I continue to look for a reason to buy one, without any luck. How about 3 years? :-) Bought mine in July 2012. For me only; wife uninsurable. (Maybe she would have been insurable if we had a group policy, like Feds or...
by bill88
Sat Jan 10, 2015 1:19 am
Forum: Personal Consumer Issues
Topic: Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?
Replies: 15
Views: 3021

Re: Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?

Quick update for anyone else looking at Consumer Cellular. Got new unlocked TMobile iphones in the box at the Apple Store. Took 'em out, removed the TMobile SIM cards; carefully inserted the tiny Consumer Cellular (CC) nano SIM cards. Got my welcome packet from Consumer Cellular via hardcopy mail so...
by bill88
Sun Dec 21, 2014 12:49 am
Forum: Personal Consumer Issues
Topic: Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?
Replies: 15
Views: 3021

Re: Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?

FWIW, Apple Store rep said they could set up an unlocked iPhone with CC SIM.
by bill88
Wed Dec 17, 2014 12:52 pm
Forum: Personal Consumer Issues
Topic: Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?
Replies: 15
Views: 3021

Re: Adding iPad to Consumer Cellular

Side question... If we go with CC for 2 iPhone 6's, they say we can add an iPad to the shared data plan for $10/mo. BUT -- the iPad we have now is a Verizon version. CC says it won't work. If we get a new iPad (Air 2), it looks like it can be configured for ANY carrier (SIM card?) -- Verizon, AT&...
by bill88
Tue Dec 16, 2014 1:09 pm
Forum: Personal Consumer Issues
Topic: Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?
Replies: 15
Views: 3021

Re: Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?

Appreciate the feedback! The main reason I asked is that CC's phone reps said they couldn't be "100% sure" their SIM would work in my unlocked iPhone 6.

Pretty likely. Just not guaranteed. In which case, an $800 paperweight. :-)

Bill
by bill88
Tue Dec 16, 2014 10:53 am
Forum: Personal Consumer Issues
Topic: Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?
Replies: 15
Views: 3021

Unlocked T-Mobile iPhone 6 okay with Consumer Cellular?

Has anyone bought an unlocked (T-Mobile) iPhone 6 or 6 Plus from Apple, and then used it on Consumer Cellular's (CC) plans, with CC's provided SIM? If so, was the sign up and activation with CC pretty straightforward? Any glitches with CC's SIM card? Thanks for any advice, Bill P.S. I'd just as soon...
by bill88
Sun Jul 27, 2014 4:16 pm
Forum: Personal Consumer Issues
Topic: Florida Retirement Communities advice/thoughts
Replies: 30
Views: 5302

Re: Florida Retirement Communities advice/thoughts

Hi, Jim. I'm not sure how car "independent" you can be in a true age-restricted (55) Florida community. If you'll compromise on a golf cart, then in The Villages, you can get to most everything. And you may be able to golf cart to some shopping/doctors in some of the smaller (but still qui...
by bill88
Sun Jul 20, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: SPIA quotes from Vanguard
Replies: 8
Views: 1747

Re: SPIA quotes from Vanguard

Two things: What you are stating is not a true "return" of 8.8%. If you go for this option and the insured dies at the 10 year period (meeting the contract), the actual return is -2.12%, (in negative territory, not even considering inflation). However, each month payments continue, the re...
by bill88
Fri Jul 18, 2014 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: SPIA quotes from Vanguard
Replies: 8
Views: 1747

SPIA quotes from Vanguard

If anyone is considering a SPIA annuity, I thought I'd share the quote I got, and part of the following explanatory email to my aunt from my recent chat with Vanguard's Annuity Dept. The annuity would be for my 79 yr. old aunt in NC. (See original post http://www.bogleheads.org/forum/viewtopic.php?f...
by bill88
Fri Jul 18, 2014 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: SS Restricted Application - wait to file until my FRA?
Replies: 2
Views: 493

Re: SS Restricted Application - wait to file until my FRA?

Thanks, sscritic. That makes sense. :-)

Bill
by bill88
Fri Jul 18, 2014 11:58 am
Forum: Personal Finance (Not Investing)
Topic: SS Restricted Application - wait to file until my FRA?
Replies: 2
Views: 493

SS Restricted Application - wait to file until my FRA?

Do I understand this correctly -- that to file a restricted application for a spousal benefit, I must wait until the date I reach my FRA before filing? I.e., if I file for a spousal benefit before then — even a month early — I would automatically be deemed to have filed for my own retirement benefit...
by bill88
Sun Feb 09, 2014 12:15 am
Forum: Personal Consumer Issues
Topic: Contact Manager (Mac) to replace Now Contact??
Replies: 3
Views: 424

Re: Contact Manager (Mac) to replace Now Contact??

Definitely just use the built in address book. -- Tet Hi, Tet. The built in address book is not bad for a straight contacts list, auto-sync in iCloud, and I like the price. :happy But I was hoping to find something with a bit more horsepower. Bit less minimalist, a bit more of a structured format/t...
by bill88
Sat Feb 08, 2014 1:26 pm
Forum: Personal Consumer Issues
Topic: Contact Manager (Mac) to replace Now Contact??
Replies: 3
Views: 424

Contact Manager (Mac) to replace Now Contact??

Love it, but won' t work on my new Mac with OSX 10.9.

Any old Mac Now Contact users here? If so, what have you found to replace it?

Thanks,
Bill
by bill88
Wed Jan 22, 2014 4:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 26695

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Big number! All the best on your birthday, Taylor.

Best regards,
Bill
by bill88
Thu Jan 16, 2014 11:54 am
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt--plan starting to gel

:idea: You don't need the perfect plan, you just need to get some of that cash working for her. Agree! I recall other past posts that mentioned the advantage of buying long term high interest rate noncallable brokered CDs that have a no penalty POD provision for elderly clients. Wasn't aware of thes...
by bill88
Sun Jan 12, 2014 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

I started Medigap as soon as I qualified. I'm seventy and forked out $2132.50 total in advance for 2014. Is there a qualification process if it isn't started right away? I dunno. There wasn't for me when I started it as soon as I qualified. If I had $2 mil in the bank and was 78, I would be a lot m...
by bill88
Sat Jan 11, 2014 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

A big question is how much capital gains taxes she would have to pay if she sold them. If she does not sell them and they go to her estate then they would go at a stepped up cost basis and no capital gains would need to be paid if the people who inherited it sold it right away. They might not be id...
by bill88
Thu Jan 09, 2014 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

$65,000 is 3% of her portfolio. She could withdraw this for 33 years and not run out of money even if she lives to be 111. How about TIPS with some of the funds? Bruce Hi, Bruce. You made my aunt's day. :happy Although she's not sure she'll get to 111. :!: She might go for TIPS if the current incom...
by bill88
Thu Jan 09, 2014 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

I agree with the PenFed CDs, since she doesn't want to touch principal AND since her unbalanced stocks put her at risk, but are her income needs really that high? I'm not sure. We've had several conversations recently, but only just had the (more or less) full outline of Aunt A.'s portfolio. She's ...
by bill88
Tue Jan 07, 2014 1:14 am
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

I think one shift that needs to occur is redirecting away from income generation as her focus. She needs x amount to live on so should go ahead and withdraw the other money from her accounts. She does have almost $900,000 basically earning nothing. If you can get that up to even 1% you can increase...
by bill88
Mon Jan 06, 2014 1:11 am
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

Lack of medical supplement and Drug coverage (unless she has Medicare Advantage) is a big hole she could fall into. I would look into what options/penalties she would have to change that status. Thanks, BL. Have discussed this with Aunt A. twice and still don't fully understand her plan. But it see...
by bill88
Sun Jan 05, 2014 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

Re: More income for my 78 yr. old aunt

Thanks, everyone, for your thoughtful replies and good ideas. I am, unfortunately, not an investment genius (except perhaps in my own mind :-)), so the advice is welcome! Aunt A. only gave me her portfolio details a few days ago. We first discussed this about 10 years ago, but no detail! I suggested...
by bill88
Sun Jan 05, 2014 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: More income for my 78 yr. old aunt
Replies: 32
Views: 5598

More income for my 78 yr. old aunt

$46,000 is her current income -- $12,000 from Social Security and $36,000 from dividends/interest. $65,000 is her income goal. Aunt A. is widowed, owns a single family home in a 55 community, near family. Just moved there after selling her Florida condo. She is a cautious investor, doesn't want to t...
by bill88
Sat Nov 16, 2013 4:25 pm
Forum: Personal Consumer Issues
Topic: Medical bills -- getting the discount without insurance
Replies: 19
Views: 1646

Medical bills -- getting the discount without insurance

Just a quick example. My allergist has a "list" price for allergy injections -- $17.50. When I had insurance thru UnitedHealthcare, the "negotiated' rate was $7.62, less than half. They don't take Medicare; now that I'm on it, after being their patient for 17 years, they started billi...
by bill88
Wed Sep 25, 2013 11:44 pm
Forum: Personal Consumer Issues
Topic: KIA Optima Passenger Seat
Replies: 27
Views: 10134

Re: KIA Optima Passenger Seat

SUVs and crossovers tend to have higher seats. We rented a Lincoln MKX (Ford Edge fancy cousin). Very nice, very comfortable seats, front and rear; heated and cooled front seats, and power lumbar in both fronts, and, I think, the same adjustment ranges in the front passenger seat as the driver seat....

Go to advanced search