Search found 225 matches

by CWRadio
Tue Jul 26, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Medigap (supplement) Policies
Replies: 12
Views: 735

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: 735

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: 735

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: 3006

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: 9
Views: 2591

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: 3006

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: 116
Views: 21455

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: 1040

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: 1040

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: 1040

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: 3006

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: 266
Views: 31373

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: 116
Views: 21455

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: 3423

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: 1648

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: 730

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: 730

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: 7833

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: 1345

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: 1345

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: 1345

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: 1849

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: 1345

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: 1849

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: 2390

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: 483

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: 1648

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: 337

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: 3092

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: 1042

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: 1042

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: 5424

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: 5675

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...
by CWRadio
Tue Oct 06, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Whom do you purchase a SPIA from?
Replies: 10
Views: 1648

Whom do you purchase a SPIA from?

I have found Integrity Life SPIA ranges from $508 to $518 a month for $100,000 payment. Intergrity SPIA has the best deal with the best credit rating for the price. My question: Does it matter if you buy the Intergrity SPIA from Vanguard, Fidelity, interdependent broker, Stan the Annuity Man, or imm...
by CWRadio
Thu Sep 10, 2015 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Medigap companies
Replies: 2
Views: 292

Switching Medigap companies

Can you switch Medicare Medigap (Supplement ) plans with a different company without medical underwriting? I understand that the state of California allow you to change plans or companies on your birthday. Does anyone know of other way to change plans and companies without medical underwriting? Than...
by CWRadio
Sat Aug 22, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: Buying a SPIA Joint Life or 2 Single Life SPIAs
Replies: 7
Views: 596

Buying a SPIA Joint Life or 2 Single Life SPIAs

What are the pros and cons of buying a Joint Life or 2 Single Life SPIA from a IRA? Example. I am 70 an my wife is 67 and I buy a joint life SPIA for $100,000 or buy 2 single life SPIA for $50,000 each. Joint Life $100,000 payed gets about $513 a month Single life for wife $50,000 payed gets about $...
by CWRadio
Sun Aug 09, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Prepaid Cell Plan USA
Replies: 35
Views: 4005

Re: Prepaid Cell Plan USA for iPhone

Can I buy a new iPhone and only use it for calls and text. It is for my grandson and his parent only went him to use text or phone calls away from the home. OK to wifi at home. Any advice on plans that offer what I am looking for? Thanks Paul
by CWRadio
Thu Aug 06, 2015 6:23 am
Forum: Investing - Theory, News & General
Topic: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios
Replies: 138
Views: 17970

Re: Pfau: Why Bond Funds Don't Belong in Retirement Portfolios

About to buy a Joint Life SPIA
I am looking for the lowest price with the best credit rating of the insurance company.
I checked Fidelity, Vanguard and immediateannuities.com.
Does anyone know of other resources that give better prices? Thanks Paul
by CWRadio
Wed Jul 29, 2015 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Shopping for lowest price of a SPIA
Replies: 4
Views: 779

Shopping for lowest price of a SPIA

About to buy a Joint Life Income (100% to the Survivor) SPIA. I am 70 and my wife is 68. I am looking for the lowest price with the best credit rating of the insurance company. I checked Fidelity, Vanguard and immediateannuities.com. Integrity Life SPIA ranges from $500 to $518 a month for $100,000 ...
by CWRadio
Thu Jul 23, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Buying SPIA
Replies: 3
Views: 510

Buying SPIA

I am planning to buy a joint and survival SPIA for $200,000. I am 70 and my wife is 68. My current portfolio is a IRA worth about 1 million dollars with a 45% allocation in equities funds (32% US 13% foreign) and 55% in bond funds ( 10% short term bond fund). My questions: From which funds do I take...
by CWRadio
Sun Jul 05, 2015 7:10 am
Forum: Investing - Theory, News & General
Topic: Spreadsheet for backtesting (includes TrevH's data)
Replies: 778
Views: 469649

Re: Spreadsheet for backtesting (includes TrevH's data)

I also would like to see your backtesing spreadsheet. Paul
by CWRadio
Fri Jul 03, 2015 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 7227

Re: Risks of RMD Withdrawal From A Single Fund IRA

If stocks are down, selling a TR fund doesn't necessarily mean that you're selling stocks. You're selling shares of the VTENX fund at NAV. That NAV represents the value of the stocks and bonds in the fund. If you had a portfolio of separate funds and stocks are down, your asset allocation plan woul...
by CWRadio
Fri Jul 03, 2015 8:40 am
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 17
Views: 2014

Re: Which Funds to Take RMD From

Thank you all for your comments, remarks and calculations. What started me on this journey was an article from Christine Benz called: For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill It can be found at: http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceI...
by CWRadio
Thu Jul 02, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: Which Funds to Take RMD From
Replies: 17
Views: 2014

Which Funds to Take RMD From

I currently have the following $1,000,000 IRA three fund portfolio: VFSUX Vanguard Short-Term Bond Admiral Shares 35% $350,000 VTSAX Vanguard Total Stock Market Admiral Shares 45% $450,000 VFWAX Vanguard FTSE All-World ex-US Index Admiral 20% $200,000 The original portfolio allocation was 50% bond 3...
by CWRadio
Thu Jul 02, 2015 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Risks of RMD Withdrawal From A Single Fund IRA
Replies: 54
Views: 7227

Re: Risks of RMD Withdrawal From A Single Fund IRA

I found this article in MorningStart that talk about our concerns of withdrawal in a all in one fund: For Retirement Cash Flow, All-in-One Investments May Not Fit the Bill http://investors.morningstar.com/news/cmsAcontent.html?t=DODBX&resourceId=632297&src=Morningstar&date=01-30-2014&...
by CWRadio
Sun Jun 21, 2015 2:42 pm
Forum: Investing - Theory, News & General
Topic: Robo Advisor for people in retirement
Replies: 8
Views: 1907

Robo Advisor for people in retirement

What is the current thinking about using a Robo Advisor in retirement. The Robo Advisors needs to do RMD, monthly paychecks to checking account and re-balancing. I am interested in simplicity. I currently have VSCGX, Vanguard LifeStrategy Conservative fund (4 fund portfolio). Will a Robo Advisor do ...
by CWRadio
Thu Jun 18, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: SPDR Gold Trust (GLD)
Replies: 14
Views: 1641

SPDR Gold Trust (GLD)

Why is SPDR Gold Trust (GLD) up 1.20% today (Thur 10:45am)?
I am trying to understand how gold works. Thanks Paul
by CWRadio
Wed Jun 10, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: Substituting Income Annuities For Bond Funds in Retirement
Replies: 27
Views: 3363

Re: A Benefit of Life-Income Annuities

CWRadio: We purchased two Single Premium Immediate Annuities (SPIAs) in our early 80s. This allowed us to give our three children their inheritance before we die because we no longer worry about bear markets or running out of money. Our children are very grateful. Note: A SPIA provides the highest ...

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