Search found 711 matches

by dwickenh
Thu Oct 19, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need ACA help due to underestimated income
Replies: 8
Views: 800

Re: Need ACA help due to underestimated income

The mechanism for recovering subsidies overpayment is your tax return. I am not aware of any other way to do it. Your deduction for medical bills and this health ins premium will be subjected to the deduction threshold of 7 to 10 percent of income depending on your age.

I am not an expert.

Dan
by dwickenh
Tue Oct 17, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 93
Views: 7537

Re: how long did it take to get used to retirement

Retired for 18 months and adjusted in about 4 months. I exercise 3 days at the gym and 2 days on the golf course. Volunteered as tax preparer for Tax-Aide AARP and Worked 3 days x 6 hours per week. Started giving blood to the Red Cross. Then after tax season I volunteered with United Way doing site ...
by dwickenh
Fri Oct 13, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5637

Re: Help me understand what happen with the new law and ACA subsidies

If the insurance companies are no longer getting the cost sharing subsides paid to them by the government, wouldn't that follow that the cost sharing will no longer be available to the 138% to 250% of poverty insurance purchaser? By law the insurance companies must provide the subsidy. To cover any...
by dwickenh
Fri Oct 13, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5637

Re: Help me understand what happen with the new law and ACA subsidies

If the insurance companies are no longer getting the cost sharing subsides paid to them by the government, wouldn't that follow that the cost sharing will no longer be available to the 138% to 250% of poverty insurance purchaser? That would mean that all of us would have the larger deductible and ou...
by dwickenh
Fri Oct 13, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7506

Re: Alternative to Google Finance?

Is there any free service that is similar to the Morningstar "portfolio x-ray" feature? The x-ray service at Morningstar has a free mode. You just have to hand enter your portfolio each time to get the X-Ray from one of the drop down categories. If you are tracking a portfolio there, just use the d...
by dwickenh
Fri Oct 13, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 59
Views: 4872

Re: Car Buying, Time to grow up.

Just a bit info to start...26 years old, about 40k in the bank, looking to purchase my first car. About 5 years ago while my brother (now 23) and I were still college my parents bought a car for us to use...a 2012 Ford Focus. Fast-forward 5 years I am still using that car everyday. My parents are s...
by dwickenh
Fri Oct 13, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7506

Re: Alternative to Google Finance?

Agree that without a subscription it can be aggravating. I do not subscribe as I think the price is too high for the product. Is there any free service that is similar to the Morningstar "portfolio x-ray" feature? The x-ray service at Morningstar has a free mode. You just have to hand enter your po...
by dwickenh
Wed Oct 11, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: I'd like to purchase a good non slide dashboard mount....
Replies: 4
Views: 405

Re: I'd like to purchase a good non slide dashboard mount....

I bought a beanbag style at Walmart for about 20 bucks, works great with no sliding around. I think inspecting before purchase is a positive on this type of purchase.

Dan
by dwickenh
Wed Oct 11, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: "Dumb and dumber" from Allan Roth
Replies: 10
Views: 2809

"Dumb and dumber" from Allan Roth

I read an interesting article from Allan Roth. It addresses some recent discussion on bond funds and dividend stocks taking the place of bond funds. I am conservative and agree with his analysis. You may not. https://www.financial-planning.com/opinion/junk-bonds-and-dividend-stocks-are-not-as-safe-a...
by dwickenh
Tue Oct 10, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Brokerage & investing advice
Replies: 2
Views: 316

Re: Vanguard Roth IRA Brokerage & investing advice

Welcome SoLateToStart, You will get great advice if you ask your questions per the following link: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 It will help you to complete the entire exercise and you will learn a lot. Just edit your original post with the little pencil widget. Best wis...
by dwickenh
Tue Oct 10, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 11774

Re: 100% in bond to wait for market crash?

New market highs have occurred every 18 days for 100 years. P/Es are rising. Why? My amateur answer is that pensions are a thing of the past so workers are adding to 401k's and other investments that go into the market. More money in does what to the price? It pushes it up. When will that stop? Whe...
by dwickenh
Tue Oct 10, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Personal advice
Replies: 13
Views: 1806

Re: Personal advice

Yes, I will be consulting a CPA. Any advice on how to choose an appropriate/reputable CPA? I am a medical resident physician who will be graduating residency and taking over a single person practice that is contracted with a hospital system for the professional component (thus it is technically con...
by dwickenh
Tue Oct 10, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2194

Re: When to buy new tires? - penny or quarter test

I have inspected damaged vehicles for most of my working years (43) and can attest to the problems with worn tires. I inspected numerous single car/leave the roadway accidents. Almost invariably the tires were a contributing factor to the loss of control on both wet and dry pavement. Often the drive...
by dwickenh
Fri Oct 06, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3978

Re: Retirees, how and how much do you pay for health insurance?

Currently on my company retirement plan at 872.00 per month for me(going to 945.00 for 2018) and my wife is on a Cobra from my work plan at 667.00 per month(last month of cobra is Dec 2017). I will be entering the ACA marketplace for 2018 as my income is in the "sweet spot" for subsidies and cost sh...
by dwickenh
Wed Oct 04, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance Claim: reasonable time to wait
Replies: 4
Views: 261

Re: Home Owners Insurance Claim: reasonable time to wait

Are you taking additional damage in the meantime? If not, I'll agree with the others and say be patient. Be careful about any additional damage as the policy states it is the responsibility of the homeowner to secure temporary repairs to reduce further damage. They would likely not invoke that poss...
by dwickenh
Tue Oct 03, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: first time investor need advice
Replies: 9
Views: 648

Re: first time investor need advice

You have received some good advice already. If your total invested amount will be 1,300,000, then 4% of that amount is 52,000 per year. This is if you are living only on your investments. Per Sandtrap's post above, you can likely get early SS, or other aid programs that may soften the blow to your p...
by dwickenh
Tue Oct 03, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1527
Views: 271388

Re: What are you up YTD?

Toons wrote:
Tue Aug 26, 2014 5:05 pm
I don't know but it appears my investment portfolio is worth more than it was this time last year,,and I have been spending money along the way,,,,this is the way long term investing is supposed to work,,methinks :happy
ditto that for me :sharebeer

Best wishes,

Dan
by dwickenh
Mon Oct 02, 2017 7:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4074

Re: Retirement Class of 1998 (Sheepdog's Experience)

Thanks Sheepdog, as someone only 18 month into retirement, your post gives me comfort. I am also conservative in my investments and your post makes it easier to "stay the course".


Best wishes to you,

Dan
by dwickenh
Mon Oct 02, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Oil stains: How to treat?
Replies: 12
Views: 1420

Re: Oil stains: How to treat?

Back in the day when I worked at a gas station during the oil embargo, we used a little gas on the oil stains, scrubbed with a brush, rinse and then oil dry/kitty littler. Tip, no smoking during this process!!

Dan
by dwickenh
Mon Oct 02, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9760

Re: Current Bull Market could last years

stemikger wrote:
Mon Oct 02, 2017 6:29 am
Stay the course, tune out the noise and listen to this guy instead.

https://www.youtube.com/watch?v=A0gQiz0pCyI
+1 :sharebeer
by dwickenh
Mon Oct 02, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6053

Re: Are credit cards rewards worth it?

I use a paypal mastercard with 2% back on everything. During a year I receive rewards of about 400-500 dollars. It is fed into my Paypal account for a shopping spree during the holidays or on vacation. Just one more way to get a little bonus. I would not pay more for this service or for the products...
by dwickenh
Mon Oct 02, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: VWEHX High-Yield Corporate bond
Replies: 26
Views: 1589

Re: VWEHX High-Yield Corporate bond

VWEHX High-Yield Corporate bond is one of the better high yield bond funds when it comes to risk. Having said that, it is not for the faint of heart or the one year investment crowd. If you have to invest in something other than CD or savings account, I would go with a short term investment grade bo...
by dwickenh
Fri Sep 29, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2688

Re: Caught by speed camera

Stay under 10 over the speed limit, check the law in Ohio for information about the legality of camera tickets. Some states are reversing their prior laws allowing photos tickets to be nullified. . Find out the process if you don't send your 100$ in right away. Do they really pursue you for the mone...
by dwickenh
Tue Sep 26, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7506

Re: Alternative to Google Finance?

Morningstar does a good job of Portfolio tracking with ETFs in place of Mutual funds. Dan Have come to dislike M* more and more? Everytime I go there I get a 'pop up' I have to click off of (despite running blockers). Then, I often (not always) get this awful beta site which takes time to load and ...
by dwickenh
Tue Sep 26, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 884565

Re: What Movie Have You Recently Watched?

Wife and I watched Wind River this weekend. I thought it was very good and she hated it. It is very bleak with some disturbing imagery. I thought the story and acting were well done. My wife and I also saw this movie at the theater and thought it was well done. Maybe a 7 out of 10 for me with beaut...
by dwickenh
Tue Sep 26, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3243

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

TLC1957 wrote:
Tue Sep 26, 2017 1:04 pm
You confirmed what others have said, which is great another confirmation of the data. Now let's hope they release the 2018 soon :D

Thanks
Good luck to you.

BTW, just visited your state and loved the city of Pittsburgh.

Dan
by dwickenh
Tue Sep 26, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7506

Re: Alternative to Google Finance?

Just saw this too. They always manage to take away some of the features I use most. I didn't actually track my portfolio there but just had the ETF equivalents of my mutual funds for a quick way to check on the daily performance. I assume they'll still have a way to be able to input ticker symbols ...
by dwickenh
Tue Sep 26, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3243

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

AWD :D FWD. If you don't really need the AWD, both initial cost and fuel economy come into play. When you sell, the difference will not be noticeable between the two considering the initial savings. I do own a 2016 CRV with FWD and am very happy with the handling in snow and wet pavement. Just my o...
by dwickenh
Sun Sep 24, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8379

Re: Where do you get your news?

abuss368 wrote:
Sun Sep 24, 2017 5:04 pm
I read The Wall Street Journal.
+1
by dwickenh
Wed Sep 20, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3713

Re: AA if you were just starting out again

Same for me starting over at 70/30 and slowly dialed to 50/50 in retirement. Would have used index funds sooner.
by dwickenh
Tue Sep 19, 2017 6:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9015

Re: Bogleheads you would most like to meet and why?

I enjoy lack_ey along with all of the prior mentions. lack_ey always has an insight I never thought about before.

Dan
by dwickenh
Mon Sep 18, 2017 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5969

Re: Getting over emotional attachment to house

5 years before retirement, my wife and I moved from our house of 33 years. We raised 4 children and several pets there. It was a split level that my wife was not enjoying since her hip was painful when climbing stairs. We sold it in 2011, built a new house the same year, and never looked back. I thi...
by dwickenh
Mon Sep 18, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Deductible
Replies: 4
Views: 531

Re: Auto Insurance Deductible

Some companies offer a "disappearing deductible" that is reduced for each claim free year. I have a 1000 ded on car and home. Reason is I never have a claim, but too conservative to try going without:)
by dwickenh
Sun Sep 17, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: ETF Bubble- Ben Carlson article
Replies: 4
Views: 819

Re: ETF Bubble- Ben Carlson article

I like to take advantage of the behavioral mistakes of other investors. Are there any articles on that? Plenty, pick any subscription to Money or Kiplinger. They talk about the advantages of timing the market(or certain stocks) all the time. Some people can do the timing and win, most will not win....
by dwickenh
Sun Sep 17, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance claim - Hurricane Harvey
Replies: 7
Views: 568

Re: Auto insurance claim - Hurricane Harvey

Many companies will pay cash compensation for a rental vehicle if one is not available, but it is usually at a reduced rate. You may also be able to "borrow" a vehicle from a relative and be compensated from your rental coverage. For value, ask how the value is being determined, and then do a little...
by dwickenh
Sun Sep 17, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: ETF Bubble- Ben Carlson article
Replies: 4
Views: 819

ETF Bubble- Ben Carlson article

An interesting article from Ben concerning ETFs. I was particularly interested in this paragraph: "I’m not suggesting that index funds and ETFs have no impact. The biggest problem with ETFs for investors is they trade them far too often, meaning they’re not passive investments at all. They’re low-co...
by dwickenh
Sun Sep 17, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3612

Re: Should I contact a lawyer?

bump while waiting for Gill to reply.
by dwickenh
Sun Sep 17, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Question about Carfax report/used car
Replies: 6
Views: 526

Re: Question about Carfax report/used car

As a general rule, I would take the Carfax reports with a grain of salt. We had a 2000 Chrysler 800 that was in an accident, front end all wrecked. Insurance paid to have it fixed and before I traded it in I pulled the Carfax report. Guess what...? Never showed car was in any accident even though i...
by dwickenh
Sun Sep 17, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Frequent Trading Restriction and Automatic Withdrawal in Vanguard Brokerage Account
Replies: 4
Views: 651

Re: Frequent Trading Restriction and Automatic Withdrawal in Vanguard Brokerage Account

800-962-5209. I think I would call them on this one. Let us know what you find out please.

Dan
by dwickenh
Sat Sep 16, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Determine Insurance Value?
Replies: 10
Views: 576

Re: How Do You Determine Insurance Value?

As an appraiser and Insurance adjuster, the reason to insure for more than the appraised value would be as a precaution for appreciation as most people don't revisit their policy amounts on a regular basis. Also note that the difference in premium is low between 10 and 15 thousand in coverage. Stat...
by dwickenh
Sat Sep 16, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Bipolar Investor Wants to Roll The Dice
Replies: 12
Views: 1662

Re: Bipolar Investor Wants to Roll The Dice

If I was gambling on one fund, and I am not, it would be the Energy sector that has been beaten down for 3-4 years. Will it come back, who knows, but at least you are starting with a depressed valuation. There are some talking heads that agree with this sector being ready to move up. I never believe...
by dwickenh
Sat Sep 16, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Determine Insurance Value?
Replies: 10
Views: 576

Re: How Do You Determine Insurance Value?

As an appraiser and Insurance adjuster, the reason to insure for more than the appraised value would be as a precaution for appreciation as most people don't revisit their policy amounts on a regular basis. Also note that the difference in premium is low between 10 and 15 thousand in coverage. State...
by dwickenh
Sat Sep 16, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Whole Life Insurance Agent Will Not Cash Out My plans
Replies: 14
Views: 2131

Re: Whole Life Insurance Agent Will Not Cash Out My plans

This guy might be using the cash value out of one policy to pay the premiums for one or both. This is the same thing Prudential did back in the 70's and had to make many policy holders whole again. This is a common sales trick of whole life agents to get more insurance on the books without asking fo...
by dwickenh
Sat Sep 16, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Mother-In-Law dying, Wife wants to buy a Porsche
Replies: 51
Views: 5165

Re: Mother-In-Law dying, Wife wants to buy a Porsche

Compromise is always the answer. Sell the 9,000 Boxster stick that she can't drive, replace it with a 30,000 Boxster automatic that you both can drive. You just saved 32,000 over the one she has in mind, you get upgraded also, and there is peace in the household. This may sound like giving in to her...
by dwickenh
Fri Sep 15, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Threshold Estimates
Replies: 12
Views: 1420

Re: 2018 Tax Threshold Estimates

"As for taxation of your gross SS benefit, the basic (non IRMAA) AGI tiers never change and that results in ever more people paying taxes on the benefits they do receive every year." This is that part that gets me excited as I do taxes for AARP as a volunteer and see the people this tax law is affec...
by dwickenh
Fri Sep 15, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spouse Benefit
Replies: 10
Views: 1675

Re: SS Spouse Benefit

If the wife claims the spousal benefit early(before her full retirement age) then her benefit from his record will be permanently reduced per the calculator link below.

https://www.ssa.gov/OACT/quickcalc/spou ... calculator

Dan
by dwickenh
Fri Sep 15, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: A debt of thanks to good authors, from WCI
Replies: 2
Views: 524

Re: A debt of thanks to good authors, from WCI

He deserves all of the accolades and I have read many of his great articles also.

Thanks WCI,

Dan
by dwickenh
Fri Sep 15, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Tax Threshold Estimates
Replies: 12
Views: 1420

Re: 2018 Tax Threshold Estimates

Where are the inflation adjustments on SS income? One of the worst tax hits on the books with no inflation adjustment. We should march on Washington for that one!

Taxes get me excited if you couldn't tell.

Dan
by dwickenh
Thu Sep 14, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2454

Re: blood pressure monitor recommendations?

gkaplan wrote:
Thu Sep 14, 2017 7:32 pm
Omron BP786N Blood Pressure Monitor:


https://www.consumerreports.org/product ... overview/
It did not review well, maybe they were all wrong though.

Dan
by dwickenh
Thu Sep 14, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Good flat-fee financial advisors in Boston suburbs?
Replies: 13
Views: 1399

Re: Good flat-fee financial advisors in Boston suburbs?

The Garrett Network is often recommended here. I do not have first hand experience with them, but they are hourly fee only advisers. Members of the Garrett Planning Network only have to _offer_ hourly fee, not necessarily wholeheartedly. Many of them still charge asset under management fees. I stan...