Search found 240 matches

by CWRadio
Wed Dec 07, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Backtesting Medigap plans
Replies: 1
Views: 184

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: 1703

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: 1703

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: 1169

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: 3821

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: 25
Views: 1615

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: 1400

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: 1400

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: 5678

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: 260

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: 3480

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: 996

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: 996

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: 996

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: 996

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: 906

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: 906

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: 906

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: 3269

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: 3222

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: 3269

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: 152
Views: 30514

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: 1188

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: 1188

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: 1188

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: 3269

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: 39509

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: 152
Views: 30514

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: 3526

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: 1723

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
by CWRadio
Tue Apr 19, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: GLD going up, why?
Replies: 6
Views: 765

Re: GLD going up, why?

VinhoVerde wrote:Primarily because the dollar is weak today.
VinhoVerde


Thanks... Can I use the US Dollar/USDX - Index - Cash (DX-Y.NYB) to track the performance of the dollar? You are correct it is down today according to this index.
Paul
by CWRadio
Tue Apr 19, 2016 9:14 am
Forum: Investing - Theory, News & General
Topic: GLD going up, why?
Replies: 6
Views: 765

GLD going up, why?

I am trying to understand why GLD (SPDR Gold Shares) are going up today (4/19/2016).
Paul
by CWRadio
Mon Mar 28, 2016 7:40 am
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 8342

Re: TIPS Anyone?

Questions on how TIP mutual funds work: 1 I have Vanguard VTIP short term fund and interest rates go up. What happens to the NAV of the fund? 2 Same fund but inflation goes up but interest rates remain the same. What happens to the NAV? 3 Same fund but this time inflation and interest rates go up. W...
by CWRadio
Sat Mar 19, 2016 11:42 am
Forum: Investing - Theory, News & General
Topic: Inflation Protection Securities funds and ETFs
Replies: 12
Views: 1445

Re: Inflation Protection Securities funds and ETFs

Hi Paul, Thank you for your response. May I ask why you are reducing your allocation? Has it been the challenging environment for TIPS and the minimal cash flow from dividends? Best. I need to increase my cash position to meet the 2016 RMD requirement so I may used my TIP funds (if they continue to...
by CWRadio
Fri Mar 18, 2016 12:46 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protection Securities funds and ETFs
Replies: 12
Views: 1445

Re: Inflation Protection Securities funds and ETFs

abuss368 wrote:
Hi Paul,

Are you planning to stay the course with the TIPS fund?


May sell some to reduce my position to 10%. I will time the market and wait until it goes higher!!

Paul
by CWRadio
Fri Mar 18, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: Inflation Protection Securities funds and ETFs
Replies: 12
Views: 1445

Re: Inflation Protection Securities funds and ETFs

Thank you all for your import and information. My portfolio has 17% of TIP funds (VTIP DIPSX). Been down a little in the past few years.
Paul
by CWRadio
Thu Mar 17, 2016 7:28 am
Forum: Investing - Help with Personal Investments
Topic: locking in my losses
Replies: 18
Views: 1927

Re: locking in my losses

Thank you all for your advice and information. Need some additional time to digest all the information.
Did some calculation and the loose will be only 2.2% of my total portfolio.
I am leaning to just do it and don't look back.

Paul
by CWRadio
Wed Mar 16, 2016 8:04 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protection Securities funds and ETFs
Replies: 12
Views: 1445

Inflation Protection Securities funds and ETFs

Can you please explain why Inflation Protection Securities funds and ETFs increase their NAV today (3/16/2016). Thanks Paul
by CWRadio
Wed Mar 16, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: locking in my losses
Replies: 18
Views: 1927

locking in my losses

I would like to simplify my 13 fund slice and dice portfolio (50% bonds, 50% equities) to a 3 or 4 fund portfolio. My portfolio was designed by a financial adviser that I no longer use back in 2012. Out of the 13 funds, 4 funds are down (TIPS, world bond fund, emerging markets, gold) since creation ...
by CWRadio
Tue Mar 15, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: [Three fund portfolio plus One]
Replies: 21
Views: 2521

Re: [Three fund portfolio plus One]

In the distribution phase, if you have one fund, you sell everything at once. No matter whether US stocks are up or down, international is up or down, or bonds are up or down, you sell all of them. Part of our retirement strategy involves selling the funds that are high, but letting those that are ...
by CWRadio
Sat Mar 05, 2016 8:53 am
Forum: Investing - Theory, News & General
Topic: RoBo advice performance
Replies: 2
Views: 504

RoBo advice performance

How well have the RoBo advisers performed compared to other funds like the three / four fund portfolio?
Thanks
by CWRadio
Sat Feb 27, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: RMD and Federal income tax
Replies: 14
Views: 1736

RMD and Federal income tax

I take RMD monthly from my IRA. Do I also need to pay estimated federal income for the monthly RMD payments or can I pay the total federal tax on my Federal income tax return? Thank
by CWRadio
Fri Feb 05, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: When should you purchase a SPIA?
Replies: 3
Views: 372

When should you purchase a SPIA?

I need help understanding when you should purchase a SPIA. For example: I am 70 and my wife is 68. Both in good health. I need $78,000 a year to live on. I get $38,000 from SS and pension. So I need additional $40,000 from my investments plus inflation to the end of our life. If any money is left th...
by CWRadio
Sat Jan 30, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Immediate Fixed Annuities
Replies: 45
Views: 3331

Re: Immediate Fixed Annuities

Just to add to the conversation the New York Times had an article yesterday on SPIA.
Annuities as an Alternative to Shaky Markets? Not So Fast
http://www.nytimes.com/2016/01/30/your-money/annuities-as-an-alternative-to-shaky-markets-not-so-fast.html

Paul
by CWRadio
Mon Nov 30, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bank CDs in a Revocable Living Trust
Replies: 10
Views: 1147

Re: Bank CDs in a Revocable Living Trust

Thanks for the advice. I will try to use my dads SS number to transfer the two CDs in trust. Also no penalties. Paul
by CWRadio
Sun Nov 29, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bank CDs in a Revocable Living Trust
Replies: 10
Views: 1147

Bank CDs in a Revocable Living Trust

My dad recently died at age 97. He left my sister and I four bank CD's. No other assets. I am the Trustee. Two CD are payable on death and the other two are in his Revocable Living Trust. My question before I go to the bank is how to I liquidate the two CD's that are in the trust. Do I need a tax EI...
by CWRadio
Tue Nov 17, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 53
Views: 5715

Re: Dental Insurance

Is it a discount card or insurance? I have a Delta discount that cost me $80 a year.
Paul
by CWRadio
Sun Nov 15, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Is The Vanguard Balanced Index Fund All One Needs?
Replies: 40
Views: 6426

Re: Is The Vanguard Balanced Index Fund All One Needs?

If the balanced fund is in a IRA and you are required to do RMD you may have a problem when the market is down. See article in Morningstar For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceId=632297&sr...

Go to advanced search