Search found 259 matches

by CWRadio
Mon May 15, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: LifeStrategy Conservative Fund or its 4 fund equivalent
Replies: 9
Views: 1109

Re: LifeStrategy Conservative Fund or its 4 fund equivalent

Thank you all.
One last question:
If I had to take RMD would it make more sense to do it at the beginning, end of year or monthly from either of the 2 portfolios? Paul
by CWRadio
Sun May 14, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Conservative Fund or its 4 fund equivalent
Replies: 9
Views: 1109

LifeStrategy Conservative Fund or its 4 fund equivalent

I am trying to understand what fund does better. Vanguard LifeStrategy Conservative Fund (VSCGX) or it 4 fund equivalent (Vanguard Total Stock Market Index Fund, Vanguard Total International Stock Index Fund, Vanguard Total Bond Market II Index Fund, Vanguard Total International Bond Index Fund)? I ...
by CWRadio
Thu Apr 20, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36721

Re: Larry Swedroe says "Goodby."

Thanks Larry for all your help with my retirement concerns.
by CWRadio
Mon Apr 10, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 790

Re: Using my local bank ATM chip card for Euros

Thank you all for your comments and recommendation.

Has anyone tried using the AAA Travel Money card or a similar card that pre load money and is usable in a foreign ATM to get cash in your foreign travels? Thanks
by CWRadio
Sun Apr 09, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 790

Re: Using my local bank ATM chip card for Euros

livesoft wrote:I think you probably don't need to get Euros if you use your CapOne card to pay for everything.


Going on a tour and need Euros for tipping. Thanks
by CWRadio
Sun Apr 09, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Using my local bank ATM chip card for Euros
Replies: 15
Views: 790

Using my local bank ATM chip card for Euros

I have my checking account at a small local bank without any foreign association. My credit card is with Capital One and has no fees when I charge in a foreign country. I am planning a trip to Ireland and would like to use my banks ATM chip card to get Euros. There is a $5 fee plus a 3% fee on the a...
by CWRadio
Tue Apr 04, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2296

Re: Medigap Plan F Increases

This web site has cost comparison for all states and plans. Just use "just run my report..."
Free Medicare Report.
https://www.freemedicarereport.com/

Paul
by CWRadio
Mon Apr 03, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: [Long-term Care Penn Treaty insurance to liquidate]
Replies: 13
Views: 1759

Re: [Long-term Care Penn Treaty insurance to liquidate]

Additional information in New York Times about Penn Treaty of Allentown, Pa. Policyholders in Limbo After Rare Failure of Insurer https://www.nytimes.com/2017/04/01/business/policyholders-in-limbo-after-rare-failure-of-insurer.html?ref=your-money Buy the way, if you pay for LTC insurance in one stat...
by CWRadio
Wed Mar 29, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund In Retirement?
Replies: 20
Views: 2815

Re: Vanguard Balanced Index Fund In Retirement?

Kevin why did you choose VFITX Vanguard Intermediate-Term Treasury Fund and not the index? Thanks Paul
by CWRadio
Mon Mar 06, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: Theory question about bond funds
Replies: 7
Views: 1041

Re: Theory question about bond funds

Thank you for taking the time to explain the answer to my question.
I now have a good understand on how things work.
In my pre retirement life I was a technical person for Xerox so I like to understand how things work. Paul
by CWRadio
Sun Mar 05, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Theory question about bond funds
Replies: 7
Views: 1041

Theory question about bond funds

At the end of the day on Friday (March 3) the Treasury Yield 30 Years (^TYX) was up .06% for a interest rate of 3.084%. The CBOE Interest Rate 10 Year T No (^TNX) was up .12% for a interest rate of 2.492%. On Friday, Fed Chair Janet Yellen signaled that a March rate hike is on the table. My question...
by CWRadio
Wed Mar 01, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance on a diamond engagement ring
Replies: 27
Views: 2179

Re: Insurance on a diamond engagement ring

Thanks for all your comments and replies. The question is how do you have a appraisal written that has all the specification of the diamond engagement ring, but has the appraised value equal to the replacement cost that the insurance company will give you. Remember the insurance company can shop fo...
by CWRadio
Wed Mar 01, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Insurance on a diamond engagement ring
Replies: 27
Views: 2179

Insurance on a diamond engagement ring

I just had my wife diamond engagement ring appraised. The appraisal was for $20,000. I took the appraisal to my insurance company and had it insured. During my conversation with the insurance agent I ask him what happen if the ring was lost. He stated, you would get an exact replacement. I then said...
by CWRadio
Tue Jan 31, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Medigap Insurance questions
Replies: 11
Views: 1321

Re: Medigap Insurance questions

FWIW, it's expected that Plan F premiums will increase fairly rapidly after 2020, since only an aging closed group will be covered. Something to consider. How do you pick a Medigap Plan that does not have a lot of sick people on your plan in your state? Does community, issue age or attained age rat...
by CWRadio
Fri Jan 20, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Robo-advisors vs Vanguard
Replies: 36
Views: 5098

Re: Robo-advisors vs Vanguard

Since we are talking about Robo-advisors does anyone know of a Robo that does RMD monthly withdrawals and pays the federal and state tax?
Thanks Paul
by CWRadio
Sun Jan 15, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans in Virginia
Replies: 4
Views: 248

Re: Medigap Plans in Virginia

Take a look at this web site for quotes in your ZIP code for all Medigap Plans. Goto Just run my report

https://www.freemedicarereport.com/

Paul
by CWRadio
Mon Jan 02, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Good time to buy inflation-adjusted SPIA?
Replies: 47
Views: 3773

Re: Good time to buy inflation-adjusted SPIA?

Here Larry Kotlikoff discusses life annuities and the real life annuity from Principal he bought for his mother


Would you still buy a SPIA if you only needed 2.5% from your portfolio (40% equity funds) in retirement to live on? Maybe for peace of mind?

Thanks
by CWRadio
Wed Dec 14, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: One fund for a person in retirement
Replies: 8
Views: 1760

Re: One fund for a person in retirement

Thank you all for your council.
Last question.
Do I sell all 10 funds at once or do some sort of marking timing to buy the one fund?
by CWRadio
Wed Dec 14, 2016 9:31 am
Forum: Investing - Theory, News & General
Topic: One fund for a person in retirement
Replies: 8
Views: 1760

One fund for a person in retirement

I currently managing my 10 fund (45% equity 55% bond) IRA portfolio. I rebalance and buy and sell fund shares to meet my RMD requirement (age 72). For a variety of reasons, our financial ability tends to peak around the age of 53 and declines thereafter (What to Do When I Get Stupid by Mandell). I w...
by CWRadio
Wed Dec 07, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Backtesting Medigap plans
Replies: 1
Views: 270

Backtesting Medigap plans

Do you know of a app or web site for backtesting Medigap / supplement plans prices? Example: Backtesting a 65 year old man buying Plan G or F Medigap insurance policy (your state) with the three pricing models (commuity, age issued or age attained). What would the price of these insurance policies b...
by CWRadio
Tue Nov 29, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Medicare billing question
Replies: 16
Views: 2200

Re: Medicare billing question

Not sure if I am late to the party, but believe that UNLESS you sign a ABN (Advanced Beneficiary Notice) you are not responsible for any testing done that is denied by medicare. Of course, that is not very impressive as most things are covered by medicare. Good luck. This is true. Which is why I ha...
by CWRadio
Sat Nov 26, 2016 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Medicare billing question
Replies: 16
Views: 2200

Medicare billing question

If you have original Medicare (not a Advantage plan) and you go to the doctor and the doctor orders a blood test (example for Hepatitis C ). How do you know before the test that Medicare will pay the claim? Does the doctor have any liability in knowing if the claim / procedure is covered my Medicare...
by CWRadio
Thu Oct 20, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: What is a good legit online pharmacy?
Replies: 14
Views: 1337

Re: What is a good legit online pharmacy?

What about buying from Canada. How do you find a legit place?
by CWRadio
Fri Oct 14, 2016 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 4553

Re: Do Bogleheads use Robo Advisors in retirement?

Do Bogleheads use Robo advisors in a IRA to take money out when they are in retirement? If so, how do you handle RMD? Does the Robo take RMD monthly or yearly. Do they pay federal and state tax? How often does the Robo rebalance? Thanks
by CWRadio
Wed Oct 05, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Drop BCBSM Medigap for Advantage?
Replies: 37
Views: 2940

Re: Drop BCBSM Medigap for Advantage?

Here is a link to compare Medicare Supplement plans (medigap).
I also had the Legacy plan and change to Transamerica Plan G..
https://www.freemedicarereport.com/ Just pick Just run my report…

Remember if you change Medicare Supplement plans medical underwriting maybe required.
by CWRadio
Sat Oct 01, 2016 8:09 am
Forum: Investing - Theory, News & General
Topic: VTIP Vanguard Short-Term Inflation Protected Secs
Replies: 13
Views: 1591

Re: VTIP Vanguard Short-Term Inflation Protected Secs

Thanks to you both. It is becoming clearer.
The next question
Should I have VTIP in my portfolio?
by CWRadio
Fri Sep 30, 2016 11:35 am
Forum: Investing - Theory, News & General
Topic: VTIP Vanguard Short-Term Inflation Protected Secs
Replies: 13
Views: 1591

VTIP Vanguard Short-Term Inflation Protected Secs

I purchased 1000 shares of VTIP (etf) on Dec 27 2012 for $50.10 a share. Today (9/30/16) VTIP is $49.65 a share. VTIP is down .06% from 12/27/2012 to 9/30/2016. My VANGUARD SHORT TERM INVMT GRADE ADMIRAL Bond Fund (VFSUX) is up for the same period 7.98% If interest rates go down the NAV of the fund ...
by CWRadio
Thu Sep 22, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 6593

Re: Is A Two-Fund Portfolio All You Really Need?

Here's the important thing. It's not the endlessly debatable question of whether any of these was "really" any better or worse than the others, and the even more debatable question about what to expect going forward. The main thing is that all of them were really different from a bank acc...
by CWRadio
Thu Sep 15, 2016 9:43 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Federal estimated Tax paid
Replies: 0
Views: 332

2016 Federal estimated Tax paid

I made 3 payments by check for my 2016 Federal estimated Tax.
Is there a place on the IRS web site where I can checked to see the estimated tax I paid?
I do have an electronic copy of the canceled checks. Thanks
by CWRadio
Fri Aug 26, 2016 5:36 am
Forum: Personal Consumer Issues
Topic: Honda maintenance schedule?
Replies: 49
Views: 3961

Re: Honda maintenance schedule?

A little off subject. I purchase a 2016 Honda Civic EX Sense last week and the Pre-Delivery Inspection document was not filled out correctly. A few thing missing or not correct: The VIN number was not correct on the document. No Technician name. Missing signatures to certify that the inspection was ...
by CWRadio
Sun Aug 14, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 1098

Re: Blue Cross Legacy Plan C Medigap

Issue-age give you the best bang for the buck over the long haul. Esp. if your family history suggests you will live a very long life. Unlike attained-age or community rated, there are no annual increases due to entering age brackets, only increases allowed are just general inflation ones. In theor...
by CWRadio
Sun Aug 14, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 1098

Re: Blue Cross Legacy Plan C Medigap

CWradio, Thanks for the link. It shows current prices before the freeze ends not 2017 prices for BC Legacy Plan C. Also, if all people in the same plan get the same rate, why is my wife's going to 203 per month and mine going to 218 per month? Only difference is gender. The B/C legacy plan is no lo...
by CWRadio
Sun Aug 14, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 1098

Re: Blue Cross Legacy Plan C Medigap

Watch out for AARP-endorsed United Health Care on Medicare supplements. They sucker people in by claiming to have a "30 percent discount" for new enrollees, discount disappears after 10 years. What they don't tell you is - that doesn't mean you can expect premiums to go up by only 3 per c...
by CWRadio
Sun Aug 14, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 1098

Re: Blue Cross Legacy Plan C Medigap

Take a look at this web site for a list of most plans in your ZIP code.

https://www.freemedicarereport.com/

Paul
by CWRadio
Tue Jul 26, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Medigap (supplement) Policies
Replies: 12
Views: 1052

Re: Cost of Medigap (supplement) Policies

To get an estimate of what these policies would cost at various ages, I would go online to each insurer and quote the policy you are interested in putting in earlier birth years. So to quote the policy at age 70 you'd put in birth year 1946, at age 80 put in birth year 1936. This should capture the...
by CWRadio
Tue Jul 26, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Cost of Medigap (supplement) Policies
Replies: 12
Views: 1052

Re: Cost of Medigap (supplement) Policies

Thank you all. My my concern after reviewing all the above suggestions does it pay to buy a policy that is rated Issue age , that may cost a addition $70 a month compare to a Attained age policy which cost less. According to Medicare.gov Issue age pricing policy may increase it price because of medi...
by CWRadio
Tue Jul 26, 2016 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Cost of Medigap (supplement) Policies
Replies: 12
Views: 1052

Cost of Medigap (supplement) Policies

From Medicare.gov: "The cost of Medigap policies can very widely. There can be big differences in premiums that insurance companies charge for the exactly the same coverage. Each insurance company sets its own premium using the the following type of pricing models." Community rated Issue a...
by CWRadio
Fri Jul 22, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Insurance
Replies: 38
Views: 3467

Re: Choosing Medigap Insurance

Found web site that list Medigap insurance companies for your state. I think it gives you 5 lookups.
https://www.freemedicarereport.com/

Paul
by CWRadio
Thu Jul 21, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Your thoughts: USAA Medigap?
Replies: 10
Views: 3573

Re: Your thoughts: USAA Medigap?

Has anyone tired USAA Medigap plan?
Thanks paul
by CWRadio
Sat Jul 16, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Insurance
Replies: 38
Views: 3467

Re: Choosing Medigap Insurance

Sorry for asking the question again. Is there a web site that give you all the prices and plans for a Medigap plan for your state (Michigan). Medicare.gov does not list the price of the plans for your age group and is missing some insurance companies. My state insurance web site only list the compan...
by CWRadio
Tue Jul 05, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 153
Views: 34202

Re: Experience with Honda airbag recall?

Just got my 2011 Honda CR-V back after 6 weeks siting at the local dealer. Honda give me a rental car. They said my 4 month old Costco battery died and needed a replacement for about $160. The Honda dealer had no idea why I had a battery problem. The dealer give me a jump start so I could drive home...
by CWRadio
Sun Jul 03, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: VTIP etf [Vanguard Short-Term Inflation-Protected Securities]
Replies: 9
Views: 1347

Re: VTIP etf [Vanguard Short-Term Inflation-Protected Securities]

Thanks dbr. I understand now. So if interest rates continue to go down the NAV of VTIP will go up and inflation is payed as the dividend.
by CWRadio
Sun Jul 03, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: VTIP etf [Vanguard Short-Term Inflation-Protected Securities]
Replies: 9
Views: 1347

Re:VTIP etf [Vanguard Short-Term Inflation-Protected Securities]

Because real interest rates have fallen during 2016. It is a mathematical relationship that interest rates and bond prices move in opposite directions. I understand how bond funds work as you stated, but I don't understand how the inflation part works. If inflation goes up does the NAV of the TIP f...
by CWRadio
Sun Jul 03, 2016 6:49 am
Forum: Investing - Theory, News & General
Topic: VTIP etf [Vanguard Short-Term Inflation-Protected Securities]
Replies: 9
Views: 1347

VTIP etf [Vanguard Short-Term Inflation-Protected Securities]

I own VTIP, Vanguard Short-Term Infl-Prot Secs ETF. I would like to understand how VTIP works.
Inflation is down but the NAV of VTIPs continue to rise. Why? Thanks
by CWRadio
Sat Jul 02, 2016 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Choosing Medigap Insurance
Replies: 38
Views: 3467

Re: Choosing Medigap Insurance

Is there a web site that shows all the prices and pricing methods (Community, Issue-age-rated, Attained-age-rated) for Medicare Supplement insurance for your state? Thanks
by CWRadio
Mon Jun 13, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 42526

Re: [Fidelity drops AmEx, Bank of America credit cards]

When I activate my new Fidelity Visa card will my Fidelity American Express card stop working?

Does anyone know if the new Visa also continues the warranty extension that AmEx provided on previously purchases made on the AmEx card?
Thanks
by CWRadio
Wed May 18, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 153
Views: 34202

Re: Experience with Honda airbag recall?

So if you get a rental car from this program and the car is in an accident my insurance pays for the repair less my deductibles.
If the rental car is out of service for 4 days to do the repairs who pays for the out of service fee.
My insurance said they do not pay for out of service fees. Thanks Paul
by CWRadio
Sat May 07, 2016 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Blue Cross Blue Shield Michigan Overhaul
Replies: 27
Views: 3623

Re: Blue Cross Blue Shield Michigan Overhaul

July 31 will be here soon. Anyone have information about the Legacy Plan?
by CWRadio
Sat Apr 30, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: Whom do you purchase a SPIA from?
Replies: 10
Views: 1888

Re: Whom do you purchase a SPIA from?

Has anyone purchased a SPIA from Low Load Insurance Services?
https://llis.com/
Jane Bryant Quinn mention their name in her book Making the Most of Your Money. Thanks

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