Search found 1993 matches

by munemaker
Fri Oct 20, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 22
Views: 2401

Re: Charles schwab - why so much cheaper?

They are not "so much cheaper." They are a tiny, tiny amount cheaper.

Why? Vanguard is sucking all the oxygen out of the room. They are trying to catch a breath.
by munemaker
Thu Oct 19, 2017 6:32 am
Forum: Investing - Help with Personal Investments
Topic: Question about Personal Capital
Replies: 18
Views: 1385

Re: Question about Personal Capital

I received a couple of calls. Had pleasant conversations. I just let him know that I'm a committed DIYer and not interested in their services. It's probably been 5 months now without a call, so I believe they've stopped. Same here. I would not let an occasional phone call stop me from using the ser...
by munemaker
Tue Oct 17, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Advanced protection for Google accounts (Gmail and Drive)
Replies: 8
Views: 790

Re: Advanced protection for Google accounts (Gmail and Drive)

It looks very nice, but the main key is no longer available on Amazon and they do not know if or when they are getting more. They are available on eBay for $300, but that's too high for me.
by munemaker
Tue Oct 17, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6318

Re: How many miles/years do you keep your car?

Recently replaced a 2001 Corvette Z06 I bought new and drove for 16 years, just over 100,000 miles. Loved every minute of it. Powertrain was A+, never had a serious problem, never once broke down or left me stranded. But it was starting to get electrical gremlins and annoying little things not work...
by munemaker
Tue Oct 17, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6318

Re: How many miles/years do you keep your car?

I drive them until they become uneconomical to repair. My 2009 Honda CR*V now has 203,000 miles on it, and still looks/runs good.
by munemaker
Tue Oct 17, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 92
Views: 7150

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

I retired on March 1 of this year. The first week we took a Carribean vacation. The whole time I was there, work was in the back of my mind, and I felt an urge to be checking my email and calling in. After I returned home, it took me about 2 weeks to pretty much shake the work thing. So...it took a ...
by munemaker
Mon Oct 16, 2017 5:00 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5783

Re: How does everyone keep track of your portfolio?

trueson1 wrote:
Mon Oct 16, 2017 3:28 pm
What I don't like about PC is that if keeps your cash separate from investments for overall portfolio
Fidelity ... Retirement Estimator is also pretty good - better than Personal Capital.
+1 on both counts.
by munemaker
Mon Oct 16, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

From SSA: https://www.ssa.gov/planners/retire/claiming.html Timing of Multiple Benefits (also called “Deemed Filing”) What was the loophole? The law provides incentives to delay claiming retirement benefits: monthly benefits grow larger for each month you delay receiving retirement benefits between...
by munemaker
Mon Oct 16, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

From SSA: https://www.ssa.gov/planners/retire/claiming.html Timing of Multiple Benefits (also called “Deemed Filing”) What was the loophole? The law provides incentives to delay claiming retirement benefits: monthly benefits grow larger for each month you delay receiving retirement benefits between...
by munemaker
Mon Oct 16, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

I will check out the referenced thread. "Hold harmless" is a feature by which, if you have your Part B premium paid by SS deduction, your premium increase is limited to the SS COLA, subject to a few other conditions: Yes - this feature/aspect of Medicare part B does not depend on whether you choose...
by munemaker
Mon Oct 16, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

I struggled with the same decisions over the past year. I finally decided to go with traditional Medicare A, B and D plus a Medigap policy. The main reasons was flexible of choosing a provider over MA plans not just locally, but also when travelling. Dental coverage was a harder decision. I tried a...
by munemaker
Mon Oct 16, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 121
Views: 8324

Re: anyone else not liking the new cars?

Sandtrap wrote:
Fri Oct 13, 2017 10:08 pm
I would fire the design engineer that did the fronts of the new Toyotas and Lexus.
Toyota has long been accused of manufacturing appliance cars with bland styling. They are turning it up a notch.
by munemaker
Mon Oct 16, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

Thanks for the replies. First priority is seeing if we can use the hold harmless feature, and second priority is picking a plan (it is a little early for that). So here is the situation on hold harmless: I am planning to take my SS at age 70 . We would like to use DW's SS to enable Medicaid Part B ...
by munemaker
Mon Oct 16, 2017 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

And if no one has said it yet, the book Medicare for Dummies is a great resource when you are trying to navigate all the decisions you need to make when starting on this journey. Thanks - I see it is on the shelf at my local library and will pick it up today. I also downloaded a copy of "Medicare a...
by munemaker
Sun Oct 15, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

I will check out the referenced thread. "Hold harmless" is a feature by which, if you have your Part B premium paid by SS deduction, your premium increase is limited to the SS COLA, subject to a few other conditions: Yes - this feature/aspect of Medicare part B does not depend on whether you choose...
by munemaker
Sun Oct 15, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

Thanks for the replies. First priority is seeing if we can use the hold harmless feature, and second priority is picking a plan (it is a little early for that). So here is the situation on hold harmless: I am planning to take my SS at age 70. We would like to use DW's SS to enable Medicaid Part B ho...
by munemaker
Sun Oct 15, 2017 7:05 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 104
Views: 5783

Re: How does everyone keep track of your portfolio?

As far as I know,"everyone" is not keeping track of my portfolio; I hope I am the only one.

I personally use aggregators...Vanguard, Fidelity and Personal Capital.
by munemaker
Sun Oct 15, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Re: Medicare Questions - Please Help

I will be taking Medicare next year and am just starting to learn about it. I have a bunch of questions. I'll start with this these: I am thinking we will need Medicare Advantage, since we need dental and vision. So how does this work? Do you still have Part B deducted from your SS and pay the insu...
by munemaker
Sun Oct 15, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1265

Re: ACA stay below 250% FPL for 2017?

Subsidies of both kinds in the ACA are based on the current year's income. So did you qualify for CSR reductions during 2017 based on your estimate of this year's income? If so, and you don't remain under the 250% for 2017, those subsidies will be taken back when you do taxes. ... I'm afraid that's...
by munemaker
Sun Oct 15, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidies / HSA accounts / advance premium subsidies / Questions
Replies: 18
Views: 1637

Re: ACA Subsidies / HSA accounts / advance premium subsidies / Questions

Retired young married couple looking to purchase two (On Exchange) separate individual plans in 2018 to avoid the Aggregate deductible family penalty. Spouse would purchase (Normal Silver plan) and I the (HDHP Bronze plan). I have done a lot of reading on the subject, and I have never seen a refere...
by munemaker
Sun Oct 15, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1386

Medicare Questions - Please Help

I will be taking Medicare next year and am just starting to learn about it. I have a bunch of questions. I'll start with this these: I am thinking we will need Medicare Advantage, since we need dental and vision. So how does this work? Do you still have Part B deducted from your SS and pay the insur...
by munemaker
Sat Oct 14, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 9938

Re: 2018 ACA costs arrived

Why don't you wait til your on Medicare to start doing those Roth conversions? That way you can get your subsidies on the ACA exchange. That is exactly what I am doing... To qualify for the ObamaCare subsidies, I am planning Roth conversions starting at age 66, and limiting Roth conversions to an A...
by munemaker
Sat Oct 14, 2017 3:58 am
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13750

Re: What's your asset allocation and why?

I went to 50-50 earlier this year when I retired. That seems right for me.
by munemaker
Sat Oct 14, 2017 3:14 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 9938

Re: 2018 ACA costs arrived

Well with the elimination of the CSRs by the Feds, my unsubsidized Blue Shield Silver PPO plan in California is going up a full 50%! How did you find this out? Here in PA, we don't know our 2018 rates yet. Wish I could buy a super high deductible catastrophic plan for cheap and have a budget of $20...
by munemaker
Fri Oct 13, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 9938

Re: 2018 ACA costs arrived

Cost sharing reductions for low income (between 125% - 250% of federal poverty limit) was supposed to be provided by the federal government to the insurance companies. Depends on who you listen to. The judicial branch has ruled that reimbursement of these cost sharing reductions was not part of the...
by munemaker
Thu Oct 12, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2373

Re: Going First Class

Maya1234 wrote:
Thu Oct 12, 2017 2:04 pm
So what is it about First Class that brings out these reactions?
You are paying a lot to get a little.
by munemaker
Thu Oct 12, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 9938

Re: 2018 ACA costs arrived

. I believe how much the cost sharing reduction subsides (CSRs) are spread if they are not paid by the federal government depends upon the state. In some states the increase is being restricted to silver plans on the exchanges which would mean the increase is covered by increased subsides for the p...
by munemaker
Thu Oct 12, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 9938

Re: 2018 ACA costs arrived

It is definitely the unaffordable act for all those paying full fare and absorbing the increases for those getting subsidies That's not how it works. Those getting subsidies are getting funded by the the revenue raisers in the ACA. Your premium isn't being diverted to those getting subsidies. That ...
by munemaker
Wed Oct 11, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2570

Re: Social Security Card - Should I get a Replacement

I never needed it until my (legitimate) state tax return got flagged for some reason, and I had to present social security card (among a large list of other documents) to prove my identity and claim my refund. If you owed taxes instead of being due a refund, I bet they would have accepted your paym...
by munemaker
Wed Oct 11, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2570

Re: Social Security Card - Should I get a Replacement

I am pretty sure employers now require you to present it when you are hired. So if you are going to be changing jobs, you may need it.
by munemaker
Wed Oct 11, 2017 3:44 am
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5454

Re: Is the new Chevy Equinox any good?

I feel good about getting a new 2017 equinox with FWD at a good price because the 2018s are out concurrently. Curious why you and your wife selected the Equinox over the CR*V and RAV4. Did you consider the Japanese names? My husband test drove the RAV4 and found the Equinox much more comfortable an...
by munemaker
Wed Oct 11, 2017 3:42 am
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 58
Views: 5454

Re: Is the new Chevy Equinox any good?

Interesting that car rental companies have Chevy Equinox on the lot but you never see a Honda on car rental lots. Wonder why? Oh, I know. They don't have any fleet sales department and don't do fleet sales. Don't need to. And it protects the resale value of Hondas not to have the used car market fl...
by munemaker
Wed Oct 11, 2017 3:35 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 9938

Re: 2018 ACA costs arrived

My ACA insurance provider says 2018 cost will not be available until 11/01/2017.
by munemaker
Tue Oct 10, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 2845

Re: Rental cars and Lose of Use insurance

Your personal insurance would have covered the damages, just like the Amex policy. They do not cover LOU and administrative fees. You need a UNOC (Unlimited Non-Owned Car) rider for that. I think I pay about $35/year for mine. According to my agent (Nationwide), collision insurance on my daily driv...
by munemaker
Tue Oct 10, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 2845

Re: Rental cars and Lose of Use insurance

Your personal insurance would have covered the damages, just like the Amex policy. They do not cover LOU and administrative fees. You need a UNOC (Unlimited Non-Owned Car) rider for that. I think I pay about $35/year for mine. According to my agent (Nationwide), collision insurance on my daily driv...
by munemaker
Tue Oct 10, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2514

Re: Health Care for 2018, Curious About Other's Increases

...we still had to pay the entire $12,000 bill when we had our baby earlier this year. We even had maternity coverage and insurance didn't cover a single cent of our doctor/hospital bills. Wow! Curious why you had to pay the entire $12,000 bill for childbirth? I am not that knowledgeable on health ...
by munemaker
Tue Oct 10, 2017 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2514

Re: Health Care for 2018, Curious About Other's Increases

We are on ObamaCare. Provider says 2018 rates will be available on November 1st. That's when open enrollment begins. We are both early 60s, keep our income low and buy on the exchange. We are expecting even lower (taxable) income in 2018, and therefore are expecting a lower premium. 2017 annual prem...
by munemaker
Mon Oct 09, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: How big a portfolio should I have before retiring?
Replies: 52
Views: 6814

Re: How big a portfolio should I have before retiring?

I would require a portfolio of at least 50x (50 times annual income/expenses needed) to begin to feel comfortable in retirement. The usual guideline is 25X expenses (after deducting SS/ Pension, other income). That is based on the 4% rule. 50X would work out to a withdrawal rate of 2%, which seems ...
by munemaker
Mon Oct 09, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 2845

Re: Rental cars and Lose of Use insurance

Your personal insurance would have covered the damages, just like the Amex policy. They do not cover LOU and administrative fees. You need a UNOC (Unlimited Non-Owned Car) rider for that. I think I pay about $35/year for mine. According to my agent (Nationwide), collision insurance on my daily driv...
by munemaker
Mon Oct 09, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 2845

Re: Rental cars and Lose of Use insurance

Your personal insurance would have covered the damages, just like the Amex policy. They do not cover LOU and administrative fees. You need a UNOC (Unlimited Non-Owned Car) rider for that. I think I pay about $35/year for mine. According to my agent (Nationwide), collision insurance on my daily driv...
by munemaker
Mon Oct 09, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 24895

Re: The Wall Street Journal to close Google loophole entirely

Publishers routinely try to abuse this to gain more free exposure; if you've ever clicked on a Google search result and seen only a few sentences of an article, or had a full-screen popover that demands money before you can see anything else, you've been a victim of this kind of abuse. This seems u...
by munemaker
Sun Oct 08, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity reimburse transfer fees from other brokers?
Replies: 4
Views: 386

Re: Fidelity reimburse transfer fees from other brokers?

I inquired with Fidelity online about moving some accounts from Edward Jones to Fidelity. I asked them if I would incur charges from Edward Jones for transferring my accounts. They told me to call the Investment Solutions team to find out if I can be reimbursed? Is this something they normally do? ...
by munemaker
Sun Oct 08, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 2845

Re: Rental cars and Lose of Use insurance

Wow! I did!!! I checked and the credit card I used does cover Lose of Use. I called and they are secondary to my primary insurance. don't celebrate yet......... http://www.creditcards.com/credit-card-news/car-rental-insurance-coverage-1273.php . According to link, cc co. says it covers it. You get ...
by munemaker
Sun Oct 08, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: So my mechanic said....
Replies: 31
Views: 5674

Re: So my mechanic said....

statsguy wrote:
Tue Jul 28, 2009 8:52 pm


My daughter's first car is a 1996 Buick LeSabre.

Stats
3-4 more years and it will qualify as an antique car.
by munemaker
Sun Oct 08, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 1962

Re: When do you replace your car battery?

Have you searched on this subject? This has been discussed extensively in the past. Recent threads are here:

viewtopic.php?t=200268
viewtopic.php?t=224515
by munemaker
Sun Oct 08, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12099

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

AlohaJoe wrote:
Sun Oct 08, 2017 7:49 am
If Bogle thinks stocks are fully valued today then I guess that means he thought they were undervalued a year ago, as they've gone up over 17% since then.
Not necessarily. Earnings have generally increased since then.
by munemaker
Sat Oct 07, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Does my Honda CRV need servicing?
Replies: 11
Views: 931

Re: Does my Honda CRV need servicing?

The maintenance minder in my Honda van displays letters and numbers, and I have to look in the manual to see what those letters and numbers mean. Some maintenance items in the manual don't pop up on the maintenance minder at all, e.g., brake fluid changes which have to be done every 3 years regardl...
by munemaker
Sat Oct 07, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5711

Re: Roof shingles do not match - Neighbor sent notice

whodidntante wrote:
Sat Oct 07, 2017 2:11 pm
I would ignore the letter and the neighbor.
+1

You have already wasted more time on this than it deserves.
by munemaker
Sat Oct 07, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Does my Honda CRV need servicing?
Replies: 11
Views: 931

Re: Does my Honda CRV need servicing?

Learn to use the maintenance minder. With my CRV and driving habits, an oil change comes up around 11,000 to 12,000 miles. Every other oil change also requires a filter change. Thing to consider about changing the transmission fluid is that only a fraction of the fluid comes out with each change. Th...
by munemaker
Sat Oct 07, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Best credit cards for our college kids? (credit building)
Replies: 9
Views: 589

Re: Best credit cards for our college kids? (credit building)

I think it is good to help your kids get credit cards to establish credit. One easy way to do this is to make them authorized users on one of your cards. Both of my kids are now on their own, and they both had very high credit scores for their ages which helped them get the best mortgage rate on the...