Search found 538 matches

by kd2008
Sun Feb 18, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 27
Views: 4110

Re: Laid off ...next steps

Thank you for all the great advice and for sharing your experiences. After the shock, I am just starting to access my emotions. They are raw. Surprisingly, I am not looking back and wondering if I could have done anything differently. I do tense up about future "lack" of opportunities. I am trying t...
by kd2008
Sat Feb 17, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 27
Views: 4110

Re: Laid off ...next steps

4. Re: company paid COBRA: Keep in mind that involuntary loss of coverage is a qualifying event to enroll off-cycle on the state exchange OR on a spouses' private plan WITHIN 60 days. Accepting 6 months of COBRA will override the qualifying event and after 6 months (when it comes time for you to pa...
by kd2008
Fri Feb 16, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 27
Views: 4110

Re: Laid off ...next steps

Thank you for all the encouraging words.

It is hard for me to enjoy my time "off" right now.

I am definitely trying to structure my day. It has been a helpful technique.
by kd2008
Fri Feb 16, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Laid off ...next steps
Replies: 27
Views: 4110

Laid off ...next steps

I got laid off on Tuesday. Our small satellite office of 4 people got shut down and everyone was let go. I am 36 and this is my first time experience with this event. Financially I am ok. I have money in high yield savings accounts that amounts to 1 year worth of expenses. My retirement pile is abou...
by kd2008
Thu Jan 25, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Two commas for a day
Replies: 14
Views: 2241

Re: Two commas for a day

I remember thinking about this circa 2000. Be careful. The number you see on your brokerage statement has a dollar sign in front of it, but it is not dollars . It is the dollar value your investment would have if you sold it today. Now, thanks to the miracle of mutual fund daily redemption and/or a...
by kd2008
Wed Jan 17, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Stats on When People Take Social Security
Replies: 197
Views: 14350

Re: Stats on When People Take Social Security

So here is my question for the discussion: How much do people take out over their lifetimes based upon when they take social security? This data seems harder to find doing an internet search. http://www.politifact.com/truth-o-meter/article/2013/feb/01/medicare-and-social-security-what-you-paid-what...
by kd2008
Mon Jan 15, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Monthly reports from Madsinger
Replies: 2
Views: 310

Monthly reports from Madsinger

I did not see a monthly report from madsinger at the start of Jan. If he did post, could someone please share the link? I couldn't find it by using the search bar.

Thanks!
by kd2008
Mon Jan 15, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3221

Re: PTO policy after international business travel

I travel to India usually twice a year. When traveling I do not try to sleep 8 hours continuously, but split my sleep into chunks - some in the evening, some at night, afternoon if there is one available etc. When I return, I try to bring the chunks back into 8 hr continuous segment in a few days. M...
by kd2008
Sun Jan 14, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 8095

Re: Heading for a top?

It doesn't always have to be a crash. 2011 and end of 2015- start of 2016 provided healthy corrections. We may get one in future. Considering the Fed is very gradually going to reduce its balance sheet, liquidity will be lowered in coming years. Asset prices will have to support themselves rather th...
by kd2008
Mon Jan 08, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 385
Views: 141962

Re: Retiree Portfolio Model

Thank you very much for this excellent tool! Wonderful indeed! I am trying to model a scenario where one spouse is retired and the other is still working with contributions to IRA and 401k etc. Is it possible to model this? I was able to input working spouse income in the pension 2 but the tool assu...
by kd2008
Tue Jan 02, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1752
Views: 311736

Re: What are you up YTD? [Year To Date]

2017: AA 82.5/17.5 with 67/33 Domestic/International split for Stocks

Returns: 18.275%
Stocks: 21.25%
Bonds: 4.25%

I was actually impressed with bond returns especially given the rising rate environment.
by kd2008
Wed Dec 27, 2017 2:23 am
Forum: Investing - Theory, News & General
Topic: This is Unbelievable - another Vanguard customer support odyssey
Replies: 40
Views: 7011

Re: This is Unbelievable - another Vanguard customer support odyssey

Vanguard funds are still one of the best. If you do not like their brokerage services, then choose someone else. https://thefinancebuff.com/who-manages-your-investments-versus-who-manages-your-accounts.html Old style Mutual fund accounts are going away one way or the other. It is best to seperate ou...
by kd2008
Mon Dec 18, 2017 10:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 77
Views: 10801

Re: Vanguard year end distributions - updated estimates

livesoft wrote:
Mon Dec 18, 2017 6:17 pm
Yes, I have a very good idea, but the thread will get locked if I tell you.
LOL. I guessed it from your answer. How pathetic that companies do this!
by kd2008
Mon Dec 18, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 77
Views: 10801

Re: Vanguard year end distributions - updated estimates

Total International Admiral (VTIAX) dividend is increasing from $0.209/share (in Dec 2016) to $0.28/share. That is a big increase.

Total Stock market Admiral (VTSAX) dividend is decreasing from $0.354/share (in Dec 2016) to $0.30/share. That is a big drop.

Any idea why this might be happening?
by kd2008
Fri Dec 08, 2017 1:03 am
Forum: Personal Consumer Issues
Topic: Gift Giving Strategy for Married Couples
Replies: 20
Views: 1744

Re: Gift Giving Strategy for Married Couples

As we age, we find gift giving to each other a tad harder. But it also forces us to observe our loved ones even more closely as they go about their life. One year it was a set measuring cups from williams sonoma. Nothing wrong with the ones we had before. Receiving these really nice ones made me fee...
by kd2008
Fri Dec 01, 2017 12:45 am
Forum: Personal Finance (Not Investing)
Topic: medicare premium amount
Replies: 51
Views: 4856

Re: medicare premium amount

Well, I hope come tax time, the software can handle it. :D
by kd2008
Thu Nov 30, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 8020

Re: Does it make sense to drop health insurance?

Before we get anymore righteous, indignant or nutty, please let us step back a bit and see the bigger picture. Many large companies that self-insure run what I call mini pools of universal coverage. Any employee and their family can join. The employer share of premiums is not paid out if you choose ...
by kd2008
Thu Nov 30, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: medicare premium amount
Replies: 51
Views: 4856

Re: medicare premium amount

Interesting question that I hadn't though of. I don't know the answer. I'm not even comfortable leaning one way or the other. On one hand you are simply reimbursing for a legitimate qualified medical expense, but I get your concern over the pre-tax nature of you share of the premium. I'm not even s...
by kd2008
Thu Nov 30, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: medicare premium amount
Replies: 51
Views: 4856

Re: medicare premium amount

Spiritrider, What is included in the employee share of premiums for employer-sponsored health insurance , including premiums for employer sponsored retiree health insurance ? I have friends where Spouse A is retiring and is 65+, not on medicare and he has spousal coverage of "employer-sponsored hea...
by kd2008
Thu Nov 30, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund Dividend Trivia [qualified vs non-qualified]
Replies: 3
Views: 277

Re: Mutual Fund Dividend Trivia

1. Oh yes! If you have TLHed on the pastthen you know this will come into the picture for sure. There are many threads that discussed this in the past. 2. Yes, I pay attention to it simply because I have a record of all transactions and look at it before making TLH transactions. Before making TLH de...
by kd2008
Sun Nov 26, 2017 4:58 am
Forum: Personal Finance (Not Investing)
Topic: medicare premium amount
Replies: 51
Views: 4856

Re: medicare premium amount

One can also use an HSA to reimburse FEHB insurance payments (or any other health insurance you're paying) after 65 years old. Thanks to Spirit Rider who pointed this out in a thread here a year or so ago. I still haven't figured out if I can reimburse myself with our HSA for my wife's coverage und...
by kd2008
Sun Nov 12, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare [Can I contribute to a Health Savings Account?]
Replies: 22
Views: 1828

Re: Medicare

OP, Here is a good primer: https://www.medicareinteractive.org/get-answers/types-of-medicare-advantage-plans-hmos-ppos-and-more/health-savings-accounts-hsas-and-medicare/health-savings-accounts-hsas-and-medicare Finally, if you decide to delay enrolling in Medicare, make sure to stop contributing to...
by kd2008
Mon Nov 06, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Social Security - general question
Replies: 44
Views: 5333

Re: Social Security - general question

OP,

Please read this article as it answers all your questions and provides the requisite spreadsheet to play around.

Retiring Early: Effect On Social Security Benefits
by kd2008
Wed Nov 01, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Gyms with well maintained swimming pool, that aren't Equinox?
Replies: 14
Views: 1280

Re: Gyms with well maintained swimming pool, that aren't Equinox?

Might want to call a few nice hotels in your area. My wife and kids did this a few winters ago, and they got a family monthly pass for $99/month. Best part if you can go during the weekday, there is usually nobody else there Thank you for this valuable information. Could you please let us know what...
by kd2008
Thu Oct 26, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: HSA worth it in this case?
Replies: 7
Views: 1011

Re: HSA worth it in this case?

https://thefinancebuff.com/not-all-high-deductible-plans-hsa-eligible.html Please read this article first to understand what makes a HDHP plan eligible for an HSA. Don't go by what HR says. Read your plan documents. Per IRS Minimum annual deductible for HDHP is $1350 for 2018. https://www.irs.gov/pu...
by kd2008
Thu Oct 26, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Medicare Supplement Plan F or Plan F High Deductible
Replies: 14
Views: 1405

Re: Medicare Supplement Plan F or Plan F High Deductible

So, putting aside the $183 for a moment, if you pay up to $2200 out of pocket, then you would pay up to $11K in total medical billing ($11K * 20% = $2200). So, you pay $2200 and the Plan pays $8800 (worst case scenario). Is that correct? That is correct for Part B charges, but not Part A. You reall...
by kd2008
Wed Oct 25, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4641

Re: Medicare Advantage vs. Supplemental

There may be spikes of medical costs in certain years but on average you may come out ahead especially if you have (hopefully many) good years upfront. I am now reaching the conclusion that we should salt away several hundred dollars per month and build it up to be ready in case we incur the up to ...
by kd2008
Wed Oct 25, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4641

Re: Medicare Advantage vs. Supplemental

So I'm not sure why Plan F or G plus Part D is better (or even as good) in this regard. You have a fixed monthly cost in premiums that covers medical services without any out of pocket for plan F or just about $200 for plan G. Drugs cost extra and hopefully part D helps out a lot. No worries about ...
by kd2008
Tue Oct 24, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage vs. Supplemental
Replies: 58
Views: 4641

Re: Medicare Advantage vs. Supplemental

If you have documented the net medical cost (premiums, copays, deductibles, plan covered expenses etc) in the 10 years leading into Medicare eligibility, it will help you understand your frequency of needs and severity of needs for medical care. I have asked so many in there mid-50s to start doing t...
by kd2008
Fri Oct 13, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review [2017 edition]
Replies: 5
Views: 834

Re: Portfolio review [2017 edition]

Thank you for the feedback. 3) For the 2nd 401k, there may be an option to eventually Roth it via after-tax and mega back door. I am not sure yet as it is new. If one is available, should I prefer that for the longer term? Since this is a short term engagement of few years, I am reluctant to rock th...
by kd2008
Wed Oct 11, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review [2017 edition]
Replies: 5
Views: 834

Re: Portfolio review [2017 edition]

Thank you for the feedback. HSA cash portion is the minimum requirement. Sadly can't get around it.
by kd2008
Wed Oct 11, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: High Deductible Health Insurance vs Medicare Part A
Replies: 5
Views: 665

Re: High Deductible Health Insurance vs Medicare Part A

This is what I found online http://www.bernardhealth.com/woofstreetjournal/bid/106178/How-to-Disenroll-from-Medicare-Part-A For those turning 65 and enrolling in Medicare for the first time, there are times when enrolling in Medicare Part A may not the best strategy. For individuals who continue to ...
by kd2008
Wed Oct 11, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: High Deductible Health Insurance vs Medicare Part A
Replies: 5
Views: 665

Re: High Deductible Health Insurance vs Medicare Part A

It depends on the type of your employer, do you receive social security benefits etc https://www.medicareinteractive.org/get-answers/types-of-medicare-advantage-plans-hmos-ppos-and-more/health-savings-accounts-hsas-and-medicare/health-savings-accounts-hsas-and-medicare Whether you should delay enrol...
by kd2008
Tue Oct 10, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review [2017 edition]
Replies: 5
Views: 834

Portfolio review [2017 edition]

My previous review is here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=200355&p=3068317#p3068287 Thank you all for your great advice in the past that has enabled me to get a solid start. Emergency funds not included in asset allocation below No debt. Car and Condo paid off. Tax Filing Stat...
by kd2008
Mon Sep 11, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: When to take IRA withdrawals
Replies: 3
Views: 617

Re: When to take IRA withdrawals

I-ORP fixed many of the issues I had but I found it hard to understand how and why they were suggesting to do. Especially, if they had properly accounted one spouse to continue working and taxes. I used Fidelity Retirement Planner with a guest login. I found this to give us the best overall picture....
by kd2008
Thu Aug 24, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare even cheaper for millionaire early retirees
Replies: 22
Views: 7856

Re: Obamacare even cheaper for millionaire early retirees

For us, with the silver plan, it is $10. Drugs are also low. You do not have to satisfy the deductible for the low doctor's office, drugs and lab work prices. Not quite sure why. Here's why. It is called cost sharing reduction (CSR) subsidies - the one President might withhold in the future per his...
by kd2008
Mon Aug 07, 2017 8:08 pm
Forum: Investing - Theory, News & General
Topic: Final word: Bonds in Tax-Deferred or Taxable?
Replies: 10
Views: 1280

Re: Final word: Bonds in Tax-Deferred or Taxable?

It depends on the bond yield and the nominal value of taxes in dollars not just tax rate. When yields are 2-3% it may very well be advantageous to hold them in taxable account. WCI article is ok. Nothing new there. For authorative article read this from 2012: https://thefinancebuff.com/tax-efficienc...
by kd2008
Tue Jun 13, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Medicare Questions re Work/Retired + Age difference
Replies: 13
Views: 1669

Re: Medicare Questions re Work/Retired + Age difference

@kd2008 - thank you for your excellent post. You are welcome. I have some additional questions: - Because DW is receiving SS benefits, she will automatically be enrolled in Part A & Part B the first day of the month of her BD. I assume if we decide NOT to take Part B, we fill in the box on back of ...
by kd2008
Mon Jun 12, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Medicare Questions re Work/Retired + Age difference
Replies: 13
Views: 1669

Re: Medicare Questions re Work/Retired + Age difference

Here are a few things for you to consider: 1. Since your wife is on SS, she will be enrolled in Part A when eligible. There is no getting out of this unless SS is stopped. 2. When she turns 64.5, she should stop contributing to HSA altogether including catchup contributions of $1000. You can contrib...
by kd2008
Thu May 18, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 3151

Re: Learning how to spend

Tamalak wrote: Money is power and luxury and fun when you spend it. It's freedom, security, and stability when you don't spend it.
Quote of the day! Thanks for sharing!
by kd2008
Thu May 18, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 3151

Re: Learning how to spend

I am of similar age and lesser wage and much lesser savings or no pensions compared you. I empathize with your conflicted feelings about savings and spending. Understand that you spend what you choose to. You earn based on your employment. Understand that the nexus between spending and earning is st...
by kd2008
Wed May 17, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 8118

Re: What Will Burst the Next Bubble?

There may not be a bubble to burst. We had (sizeable) corrections in 2011 and 2015. If tax reform fails, there may be another one. There is no point in waiting for something to happen. Follow your IPS and stay the course. Focus on living life instead of dry powder and other not so useful mental acco...
by kd2008
Wed May 10, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Employer health insurance - traditional vs. high deductible
Replies: 17
Views: 1588

Re: Employer health insurance - traditional vs. high deductible

Please checkout Do The Math: HMO/PPO vs High Deductible Plan With HSA

As others have pointed out, lower premiums and higher deductible mostly tend to cancel each other out. The bulk of the savings are from tax savings on HSA contributions.
by kd2008
Wed May 10, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 5993

Re: My dad needs my help.

OP, how did it go with PAS?
by kd2008
Tue May 09, 2017 3:30 am
Forum: Investing - Help with Personal Investments
Topic: small change left over in IRA from backdoor conversion--what should I do
Replies: 7
Views: 925

Re: small change left over in IRA from backdoor conversion--what should I do

This is what I dislike about the new vanguard brokerage sweep thing (assuming OP had to do this). A litter of cents with every transaction. OP, if you intend to do mega backdoor roth, then yes please withdraw these cents from trad IRA and pay penalty and taxes on it. Probably 30 cents or more.
by kd2008
Wed May 03, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 5993

Re: My dad needs my help.

I strongly recommend Vanguard PAS in your situation. You do not have to full 850K under their service. You will get the same service even if you just have 50K (the minimum) and the rest you self-manage for your dad per the plan they advise with funds invested at Vanguard. This will help reduce the o...
by kd2008
Tue May 02, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 13
Views: 1307

Re: Help with asset allocation

https://thefinancebuff.com/most-tsp-par ... h-tsp.html

Please read the above article. It is especially relevant considering you max out your TSP. Roth TSP is the way to go for you unless there are other mitigating tax consequences.

You have a great plan in place!
by kd2008
Tue May 02, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Optum HSA Website Issues
Replies: 3
Views: 392

Re: Optum HSA Website Issues

Yes, I had the same issue yesterday. I was able to login late last night. I think when it is generating monthly statements it goes out of action. That website is so clunky.
by kd2008
Wed Apr 26, 2017 7:09 am
Forum: Investing - Theory, News & General
Topic: "When Holding is the Hardest Part"
Replies: 10
Views: 1949

Re: "When Holding is the Hardest Part"

Stay the course. Follow your IPS. Second that. My account balance has grown 8x my annual expenses in last 12 months. I rebalance with new contributions so my asset allocation has not budged. As I grow older, looking at the on-the-course allocation helps me sleep well at night. I have seen balances r...