Search found 286 matches

by CWRadio
Mon Nov 13, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 28
Views: 4236

Re: BOGLEHEADS 2017 VIDEOS

Is there a video of the presentation:
Mike Piper and Mel Turner: Annuities: The Good, The Bad, and the Ugly? Thanks Paul
by CWRadio
Wed Nov 01, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: 2017 Bogleheads Conference - Annuities: The Good, The Bad, and The Ugly
Replies: 18
Views: 2166

Re: 2017 Bogleheads Conference - Annuities: The Good, The Bad, and The Ugly

Slide 17 had the following quot: Notes: Taylor on Wed 10/11/17: “My wife and I purchased a joint lifetime annuity (SPIA) about my age 80. We liked it so well we bought another a year later. With no more worry about running out of money, we were able to start giving our heirs their inheritance while ...
by CWRadio
Sat Oct 28, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D sign up
Replies: 4
Views: 467

Re: Medicare Part D sign up

Is better to sign up for Medicare annual Part D on Medicare.gov or the insurance company web site? Thanks Paul Drill down the the choices on medicare.gov and then check your math on the carriers website because there are data input errors on medicare.gov and they are not responsible for any bad dat...
by CWRadio
Sat Oct 28, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D sign up
Replies: 4
Views: 467

Medicare Part D sign up

Is better to sign up for Medicare annual Part D on Medicare.gov or the insurance company web site? Thanks Paul
by CWRadio
Sat Oct 21, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 2053

Re: medicare supplement

Take a look at this web site to compare Medigap plans in your ZiP code https://www.freemedicarereport.com/ Just go to run report. Remember there is more than current price that is important when you pick a plan. Take a look a previous rate increase, etc. Not sure if type of pricing matters (communit...
by CWRadio
Wed Oct 18, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3902

Re: Why not switch from Medigap F to G now?

I moved from F to G with my current insurer but it required underwriting..including all drugs I've had in the last 2 yrs. Kind of a pain esp because I worry I might forget something that could void the coverage. Is there a time limit on how long a insurance company can look back on your application...
by CWRadio
Wed Oct 18, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3902

Re: Why not switch from Medigap F to G now?

Take a look at this web site to compare Medigap plans in your ZiP code https://www.freemedicarereport.com/ Just go to run report. Remember there is more than current price that is important when you pick a plan. Take a look a previous rate increase, etc. Not sure if type of pricing matters (communit...
by CWRadio
Wed Oct 11, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Checking VIN numbers on a new car
Replies: 6
Views: 710

Re: Checking VIN numbers on a new car

Do you have the VIN? https://www.vehiclehistory.com/ This site is kind of carfax light. Thanks all for your replies. I plug in the VIN into vehiclehistory.com and no problems shown except a recall for spare tire. I tried using CarFax and it showed 4 record, but to view them it will cost $40. Paul
by CWRadio
Wed Oct 11, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Checking VIN numbers on a new car
Replies: 6
Views: 710

Checking VIN numbers on a new car

I was at a Toyota dealer looking at a new RAV4. The car I liked was made in December 2016 and had 10 miles on it. I also noticed some dirt in the tail gate truck area. I called Toyota customer service and they checked the VIN numbers. They told me the car was sold June 30 2017 and the selling dealer...
by CWRadio
Wed Oct 11, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3144

Re: My Son is buying a 2017 Toyota RAV 4

Thank you all for your suggestion, advice and council.
When my son called the dealer to give a deposit and they said the car was sold, but they can get the same car from another dealer(about 165 miles away) and gave him the vin number of that car.
He is waiting to view the new car.

Paul
by CWRadio
Mon Oct 09, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3144

My Son is buying a 2017 Toyota RAV 4

My son negotiated a price for a 2017 Toyota RAV4 for $27,000 out the door. He had a few question for me: Take 0% interest for 4,5 or 6 years. or Take the $3,000 Toyota rebate and add another $10,000 and take a loan for 5 years at 2.99% Loan for $14,000 ($27,000 - $13,000 rebate plus addition cash) o...
by CWRadio
Thu Sep 28, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Wellesley Income fund is incredible
Replies: 133
Views: 32630

Re: Vanguard's Wellesley Income fund is incredible

I believe in Bill Bernstein advice, : When you’ve won the game, stop playing.
https://www.wsj.com/articles/how-to-tel ... 1421726456
If you wanted to have only one fund in retirement (take out 3% a year) would it be Wellesley?

Paul
by CWRadio
Mon Sep 25, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Shifting 100% Stock → 35% Stock & 65% Bonds / REITs
Replies: 52
Views: 6258

Re: Shifting 100% Stock → 35% Stock & 65% Bonds / REITs

What is current thinking about a CD ladder for the bond side of the portfolio?
Paul
by CWRadio
Mon Sep 11, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49817

Re: Equifax customer information leak

Experian charged our credit cards multiple times while we tried to freeze our credit. Frozen for one of us, not for the other. I notified both credit card companies' fraud teams that I was charged multiple times for services not provided, and that if the charges posted I would dispute them. Experia...
by CWRadio
Sat Sep 09, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49817

Re: Equifax customer information leak

Can you freeze your credit for yourself and wife at the same time at each credit bureau? Or do you need to do a separate application for each? Thanks
by CWRadio
Mon Sep 04, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 13323

Re: Do you use lifestrategy/ asset allocation funds?

For those who are choosing Lifestrategy of some form: What is your thinking about withdrawals in a down stock market? Normally one would try to figure out where to take the withdrawal (equity or fixed) but with not choice how does that fit with your thinking. Will it bother you not to have options ...
by CWRadio
Sat Sep 02, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 42
Views: 4914

Re: Jewelry insurance. Is it ever worth it?

If you have your nice jewelry appraised, for example for $20k appraised value, you would generally be lucky to sell it for $5k and probably could buy it at a discount for $10k, so you could choose to insure it for $10k instead of $20k Most insurance companies will only replace the ring and not give...
by CWRadio
Wed Aug 23, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 64
Views: 7214

Re: Adjusting AA as retirement nears

These two articles have been a great help when I started retirement: The Center of Gravity for Retirees by Rick Ferri https://www.forbes.com/sites/rickferri/2015/02/06/the-center-of-gravity-for-retirees/#1bcf646d5dae and How to Tell if Your Retirement Nest Egg Is Big Enough by William J. Bernstein h...
by CWRadio
Sat Aug 12, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4690

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

I am trying to decide if it is financially better to do RMD on a monthly distribution from Vanguard LifeStrategy Cnsrv Gr Inv (VSCGX) or the 4 fund equivalent (Total U.S. stock market index fund, Total international stock index fund, Total U.S. bond index fund and Total international bond index fund...
by CWRadio
Thu Aug 10, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 6500

Re: What is an appropriate lower risk asset allocation once one has "won the game"

When the members of this post suggests TIPS, do they mean TIPS funds or ETF or buying real TIPS from the government? Thanks Paul Most folks on this forum probably buy the TIPS bonds from the Treasury and hold them until maturity so they can avoid exposure to annual taxes and/or loss of principal va...
by CWRadio
Wed Aug 09, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 6500

Re: What is an appropriate lower risk asset allocation once one has "won the game"

When the members of this post suggests TIPS, do they mean TIPS funds or ETF or buying real TIPS from the government? Thanks Paul
by CWRadio
Mon Jul 10, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: New roof suggestions.
Replies: 29
Views: 3156

Re: New roof suggestions.

Is it better to have the asphalt shingles nailed or stapled down? Thanks Paul
by CWRadio
Mon Jul 03, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 56
Views: 5183

Re: Medicare Supplement Policies?

I have AARP Medigap Plan F. I am short on time to go look again as I did once before. but the premiums have been reasonable for years. I prefer Medicare + Medigap vs. Medicare Advantage because I was tired of fighting with insurance companies in my employer-provided pre-Medicare life, and Medicare ...
by CWRadio
Mon Jul 03, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Policies?
Replies: 56
Views: 5183

Re: Medicare Supplement Policies?

Also check to see how the supplement plan (Medigap) increased rates each year. Insurance companies can request a increase in rates if they are below the required loss ratio . http://www.investopedia.com/terms/l/loss-ratio.asp?lgl=myfinance-layout-no-ads https://www.cms.gov/CCIIO/Resources/Data-Resou...
by CWRadio
Sun Jul 02, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 3556

Re: Engagement Ring Insurance

Say the ring is lost and you do not want a replacement due to Sentimental Reasons. Will the insurance company pay you the cash value of the insurance policy or just pay you the cost of replacing the same ring? Example: The ring is appraised at $20,000 and you insurance it for $20,000. It is lost and...
by CWRadio
Sun Jun 18, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 139
Views: 19062

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Anyone know if Fidelity offers a 1% MM fund? Paul
by CWRadio
Tue Jun 13, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: DFA Retirement Income Strategies
Replies: 83
Views: 10078

Re: DFA Retirement Income Strategies

How does one purchase a DFA Target-Date Retirement Income Fund. A DFA advisor charge a fee. If I do not require the advice of the advisor but just like the fund how do I purchase? Thanks Paul
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: 1363

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: 1363

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: 43127

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: 1015

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: 1015

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: 1015

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: 3062

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: 2087

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: 3381

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: 1193

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: 1193

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: 2594

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: 2594

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: 1565

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: 7399

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: 322

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: 4194

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: 1982

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: 1982

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: 313

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: 2382

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: 2382

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: 1553

Re: What is a good legit online pharmacy?

What about buying from Canada. How do you find a legit place?