Search found 58 matches

by samjuno
Mon Nov 21, 2016 10:14 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 7889

Not as good

Had several Civics. Last one was a 1983 Hatchback that I finally sold after 32 years (engine & tranny still strong). They made them great, but newer Hondas definitely aren't as good as the older ones. Would gladly give up my newer Toyota for a pristine classic Honda Civic Hatchback.
by samjuno
Mon Nov 21, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: AppleCare on MacBook Pro?
Replies: 40
Views: 3007

Would buy it again

Had AppleCare on my mid-2012 MBP. The Apple store person told me to bring it in a month before AppleCare expired and they would check it out & any questionable parts would be replaced for free. It came back with new ram & some other parts they thought were borderline. The repairs+parts would...
by samjuno
Thu Nov 17, 2016 12:43 am
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6162

Re: Secure alternative to Gmail

Yes, I plan to learn more about PGP, etc. as soon as I have more time.
Am worried now that with the increased publicity (http://www.theregister.co.uk/2016/11/14 ... p_victory/)- protonMail will be targeted with more DDOS attacks.
by samjuno
Sun Nov 06, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Anti-static mat necessary?
Replies: 8
Views: 802

Re: Thanks

You all have saved me ~$25.
Now I can probably do the Ram upgrade for <$60. :sharebeer

-sam
by samjuno
Sat Nov 05, 2016 3:17 pm
Forum: Personal Consumer Issues
Topic: Anti-static mat necessary?
Replies: 8
Views: 802

Anti-static mat necessary?

Planning to add more ram to my Macbook Pro. It looks pretty straight forward even if it's been over 10 years since I added ram to a G5 tower. Do I really need to use an anti-static mat or would a good anti-static wrist strap be sufficient?
by samjuno
Fri Nov 04, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6162

Re: Secure alternative to Gmail

Why do you need to encrypt your email? You know your employer can read your emails right and they have a copy of every email you have ever written right? -Yes. Wasn't as concerned about that, but since I'm leaving job- am focused on setting up another personal email account as an alternative to my ...
by samjuno
Thu Nov 03, 2016 11:02 pm
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6162

Signed up w/ ProtonMail

Trying out the free account.
Sign up was easy. They didn't even ask for another email address unless you want to (if you lose your passwords).

https://protonmail.com/blog/yahoo-us-intelligence/

-sam
by samjuno
Thu Nov 03, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6162

Re: Threat concern

1) Governmental monitoring (foreign governments/actors) which might impact my future travel & the security of my email recipients in other countries (fully aware that innocent remarks can be misinterpreted or abused). 2) Identity theft. But realize that horse has left the barn, since much of our...
by samjuno
Thu Nov 03, 2016 1:18 am
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6162

Re: Secure alternative to Gmail

Guess I'll have to learn more about encryption tools & using VPNs. Was hoping for something simpler.
by samjuno
Thu Nov 03, 2016 12:53 am
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6162

Secure alternative to Gmail

Will be losing my very secure work email account soon. I have a personal Gmail account, but would like to set up another email account somewhere. Does anyone know of another non-Goggle email provider with good security? I also have a Yahoo email account, but don't consider it very secure. Realize no...
by samjuno
Fri Oct 28, 2016 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Anuitizing TIAA-CREF & RMDs
Replies: 7
Views: 634

Re: Anuitizing TIAA-CREF & RMDs

I think I will scrap the Roth rollover idea for simplicity. My tax bracket with the 2016 rmd payment might still keep me in the 15% tax bracket for 2016 & if I annuitize Jan 2017 the entire 403b - it will cover my 2017 rmd & I might still be in the 15% tax bracket for 2017. I might check thi...
by samjuno
Thu Oct 27, 2016 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anuitizing TIAA-CREF & RMDs
Replies: 7
Views: 634

Re: Anuitizing TIAA-CREF & RMDs

Thank you for comments/info. I don't have any pre-1987 T-C contributions. It does sound like I might have to take my 2016 rmd this year before I can determine if I should do a rollover to my Roth before end of this year. I hope, however, you are not annuitizing the total of all your investments. Tha...
by samjuno
Thu Oct 27, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Anuitizing TIAA-CREF & RMDs
Replies: 7
Views: 634

Anuitizing TIAA-CREF & RMDs

Currently working full-time & now 71 yrs. old. Want to put everything in my 403b with TIAA-CREF into a life-time annuity when I retire soon, but am not sure how that will affect rmds. I know I will owe 2016 rmd (due by April 2017), but hope to avoid having to pay 2017 rmd. T-C person advised me ...
by samjuno
Sat Oct 01, 2016 5:21 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 12881

Re: What kind of car do Bogleheads like to drive?

If you love to drive & enjoy "road feel"- older is better.
A vintage Honda Civic Hbk or a newer VW (if you can afford the repairs/recall hassles etc.).
More electronics=higher repair $$$.
by samjuno
Sat Jul 02, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2350

Re: TIAA Real Estate vs. Vanguard REITS

T-C said what I don't annuitize now, can be later & so I might keep Real Estate for a while longer & hold REITs in my Vanguard Roth.
Thanks all for the great info. Gives me much to mull over, esp. the RMD issue which I'm facing now.

-sam
by samjuno
Fri Jul 01, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2350

Re: TIAA Real Estate vs. Vanguard REITS

Thanks, didn't realize REITS would be more volatile than T-C's Real Estate fund & expenses weren't comparable. The decision to keep holding the Real Estate fund would impact whether I go 100% annuitized or leave a small amt. in Real Estate with T-C. My Roth is going to be my main inflation hedge...
by samjuno
Thu Jun 30, 2016 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2350

TIAA Real Estate vs. Vanguard REITS

I'm preparing to annuitize most of my TIAA-CREF 403b, but have heard TIAA Real Estate is hard to duplicate since it owns actual properties. Am not sure what the advantage would be in keeping it, when Vanguard's REIT Index fund is so much cheaper (.89% vs .12%).The T-C rep promotes it for its diversi...
by samjuno
Mon May 09, 2016 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct owes me $$
Replies: 4
Views: 969

Re: Bond calculator

Just spoke with TD. The discrepancy was due to using the Bond calculator which is only meant for paper I-bonds & can't handle bonds bought on TD correctly. It will list (& probably not include in calculations) amounts such as $150...$250...etc. as $100...$200.. Since I've been buying paper I...
by samjuno
Mon May 09, 2016 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct owes me $$
Replies: 4
Views: 969

Treasury Direct owes me $$

I've bought I-bonds on TD for several years now and don't really like their website, so I don't log in regularly (been locked out so many times). Today, I noticed two I-bonds I purchased in 2014 did not match my bank records. TD listed them as $200 bonds, but my bank records show $250 was withdrawn ...
by samjuno
Mon Nov 16, 2015 2:53 am
Forum: Investing - Help with Personal Investments
Topic: Direct rollover to Roth
Replies: 2
Views: 434

Direct rollover to Roth

If I already made my max contribution to my Vanguard Roth for this year, can I still rollover $10k direct from my 403b at TIAA-CREF to a Roth at Vanguard before the year's end? I will pay taxes on it, but will still be in the 15% bracket & it will lower the RMD I have to start paying next year. ...
by samjuno
Sat Sep 05, 2015 1:04 am
Forum: Investing - Theory, News & General
Topic: Reframing-the-social-security-decision"
Replies: 63
Views: 5413

Re: Reframing-the-social-security-decision"

As one who is planning on collecting my SS in a few months at the age of 70- I have not had to touch my Roth or 403b, because I am still working full time & hope to continue for at least another year. I also plan to keep contributing to my Roth. The downside is that working & collecting SS w...
by samjuno
Mon May 11, 2015 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advisor vs. CPA/Tax specialist
Replies: 5
Views: 780

Financial advisor vs. CPA/Tax specialist

Am currently working & plan to start Social Security next year. I also am turning 70 1/2 next year and face RMDs unless I keep working (hopefully, I still can). Realize this is a critical time for me to consider what if anything, I should do about pulling $$ from my 403b & doing the IRA to R...
by samjuno
Tue Nov 25, 2014 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Medicare premiums with FSA
Replies: 6
Views: 1308

Re: Paying Medicare premiums with FSA

I think the FSA company was making a distinction between insurance premiums for medical plans partially paid for by my employer (pre-tax) vs. the medicare D & medigap premiums paid directly by myself. But the IRS bulletins don't make that distinction, therefore I will assume the answer is no :( ...
by samjuno
Tue Nov 25, 2014 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Medicare premiums with FSA
Replies: 6
Views: 1308

Paying Medicare premiums with FSA

Can one use FSA (Flex Spending Account) money to pay Medicare Part D & Medigap (Medicare supplement Insurance) premiums? Tried to get answers from the IRS, but can't connect with anyone. My employer's FSA company claims I can, but am not certain I trust their answer. It will make a major differe...
by samjuno
Sat Oct 18, 2014 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 105
Views: 26543

Re: Medigap Plan G vs Plan F?

Kaneohe- This is a link to find your state's SHIP contact: https://shipnpr.shiptalk.org/shipprofile.aspx?AspxAutoDetectCookieSupport=1 They provide assistance for free and in my state they have free Medicare classes. They also have listings of all the Medigap providers with premium info & contac...
by samjuno
Fri Oct 17, 2014 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 105
Views: 26543

Re: Medigap Plan G vs Plan F?

Update: 2nd year on Plan G with Government Personnel Mutual (GPM) & so far no major rate increase. Premium still <$110/month & will turn 70 late next year. This is in Colorado. Uncertain what their relationship is with Mutual of Omaha, so will see if I'm still in the "teaser rate" ...
by samjuno
Sun Jul 27, 2014 1:13 am
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3890

Re: Recorded Q&A with Rick Ferri and the RTP Bogleheads

After watching this interview, I downloaded his free book, read his comments re: asset allocations & found it to be the impetus I needed to get my allocation in line with my "investor psychology".

Thanks for posting this. I will be regularly checking his blog from now on.

-sam
by samjuno
Tue Feb 26, 2013 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 769

Re: Out of state notary services

Spoke with the Hawaii State Ass't Attorney General & he also suggested using my own state's notary and submitting the Hawaii affidavit to the insurance company.

-sam
by samjuno
Sat Feb 23, 2013 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 769

Re: Out of state notary services

Yes, that makes sense (just sending in an affidavit from my state & seeing what they do).

Or I might just send them the Hawaii affidavit and have it notarized by someone in my state and see how they respond.

Thanks.

-sam
by samjuno
Thu Feb 21, 2013 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 769

Re: Out of state notary services

It was the insurance company that informed me that they need the affidavit from Hawaii in order to release the money to me. To my knowledge, my mother's estate didn't need to go through probate since she had few assets. I might go ahead and send the insurance company a "Small Estate Affidavit&q...
by samjuno
Thu Feb 21, 2013 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Out of state notary services
Replies: 9
Views: 769

Out of state notary services

Am trying to collect on my deceased mother's old annuity with an insurance company. She passed away several years ago in Hawaii & the insurance company tells me I need to complete & submit a "Small estate affidavit" from Hawaii. Problem is that the form requires a Hawaii notary pub...
by samjuno
Thu Feb 21, 2013 9:27 pm
Forum: Personal Consumer Issues
Topic: looking for best prepaid cell phone and carrier
Replies: 5
Views: 1384

Re: looking for best prepaid cell phone and carrier

I like Boost Mobile. Pay $10 every 90 days and it gets added on to my balance. Don't use my cell phone very often, but figure $3.33/month is worth having it. Love my Sanyo Mirro, but don't think it's available anymore.

Runs on Sprint network.


-sam
by samjuno
Fri Feb 15, 2013 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 105
Views: 26543

Re: Medigap Plan G vs Plan F?

Local SHIP counselor told us in Medicare class that some medigap companies either won't accept you or allow you to "upgrade" your plan (ex. move from a N plan to a F plan) if you change your mind later. Think that refers to changes once your "Guaranteed Enrollment Period" is past...
by samjuno
Fri Feb 15, 2013 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & Medicare A appeal?
Replies: 2
Views: 525

Re: HSA & Medicare A appeal?

Yes, I already considered that & it's the main reason I finally enrolled in Medicare. Penalty was getting too large for Part D.

-sam
by samjuno
Wed Feb 13, 2013 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 105
Views: 26543

Re: Medigap Plan G vs Plan F?

Just signed up for Plan G for all the reasons you mentioned.
Went w/ cheapest company (in my state) for that Plan (GPM) which is administered by MofO. Don't know if
that's good or bad since this is my first year w/ them.



-sam
by samjuno
Tue Feb 12, 2013 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: HSA & Medicare A appeal?
Replies: 2
Views: 525

HSA & Medicare A appeal?

At 67, I voluntarily decided to sign up for Medicare & drop my employer's group HDHP plan even if I'm still working & not drawing on my social security yet. Social Security sent me my Medicare card which states Part A is retroactive to last June 2012. Since I've contributed to my HSA for 201...
by samjuno
Sat Nov 03, 2012 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Medigap policy cost
Replies: 62
Views: 32065

Re: Medicare Medigap policy cost

Uncertain if a SHIP counselor could give you specific recommendations as to Medigap companies or brokers. You might need to contact companies directly or go the broker route. Lots of independent brokers are online. Unfortunately, I've noticed they each have their own biases as to which companies the...
by samjuno
Sat Nov 03, 2012 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Medigap policy cost
Replies: 62
Views: 32065

Re: Medicare Medigap policy cost

After reading this discussion, I'm wondering how a company like USAA would rate since they deal direct with customers and don't work with brokers. Wouldn't they have lower costs since they save on broker fees? Most brokers appear to only cover the biggies ( AARP/United Health Care, Anthem, Aetna etc...
by samjuno
Wed Jun 13, 2012 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Do new people often take the advice offered here?
Replies: 53
Views: 3947

Re: Do new people often take the advice offered here?

I've gotten good feedback from some generous folks here (Laura, Livesoft, Alec,etc.) & did start to implement changes when the Bear slowed me. Realize my fault is that I'm too fast getting into funds and too slow getting out. So here I am, sheepishly, still in too many funds. For someone with a ...
by samjuno
Thu Nov 24, 2011 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Home Care Insurance for 1/2 price of LTCi?
Replies: 5
Views: 640

Re: Home Care Insurance for 1/2 price of LTCi?

The future of long term care assistance (Medicaid) is uncertain, especially after the tsunami of baby boomers starts needing it. A single person right now would need to only have $2000 in assets (not counting home and auto) to qualify and Medicaid would only cover care in a facility. Who knows what ...
by samjuno
Tue Nov 22, 2011 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Home Care Insurance for 1/2 price of LTCi?
Replies: 5
Views: 640

Home Care Insurance for 1/2 price of LTCi?

Has anyone taken out Home Care Insurance not part of a Long Term Care policy? I can't afford LTCi, but am told that a Home Care policy would be 1/2 the cost. The plan with Physician's Mutual sounds good and they are a highly rated company by Weiss & others. My understanding is that they will cov...
by samjuno
Mon Oct 31, 2011 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Changing beneficiary on I bonds
Replies: 4
Views: 569

Re: Changing beneficiary on I bonds

Mel-

Thanks, that clears it up for me. Since my sibling lived in another state, I better get a copy of her death certificate.

-sam
by samjuno
Sun Oct 30, 2011 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is Amica insurance a great company for ... ?
Replies: 23
Views: 7194

Re: Is Amica insurance a great company for ... ?

I was evacuated from my condo due to a fire several years ago. AMICA was great and they paid for me and my two cats to stay at a very expensive motel which was much more convenient and cat accommodating than cheaper places which accepted pets (pet=dog friendly). My cats would have hated the other pl...
by samjuno
Sun Oct 30, 2011 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Changing beneficiary on I bonds
Replies: 4
Views: 569

Changing beneficiary on I bonds

My sibling past away recently and I'm wondering what's the simplest way to deal with the fact that she was a beneficiary on some of my I bonds. If I leave things alone, and I pass away would it automatically go to her heirs or to my estate? According to Treasury Direct, you can only change a benefic...
by samjuno
Fri Oct 28, 2011 2:12 am
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs medigap
Replies: 28
Views: 2656

Re: medicare advantage vs medigap

I'm pretty sure you can't make HSA contributions after age 65... It's not age, but whether you're enrolled in Medicare which disqualifies you : "As long as you have not enrolled in Medicare Part A or B you are an eligible individual and may contribute to your HSA. Once you enroll in Medicare y...
by samjuno
Thu Oct 27, 2011 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs medigap
Replies: 28
Views: 2656

Re: medicare advantage vs medigap

You're lucky to find a medi-gap plan that would take you. In the medicare class they warned us that it 's easier to switch from a medigap to an advantage plan, but going the other way might be impossible due to underwriting issues. I'm holding off another year before signing up with medicare so I ca...
by samjuno
Sun Oct 23, 2011 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Identity Theft insurance
Replies: 2
Views: 485

Identity Theft insurance

AMICA is offering this with a company called Identity Theft 911. I haven't heard how much they are charging, but wondered if anyone has had experience with this company and if this type of insurance is worthwhile.

http://www.amica.com/products/idFraudExpense.html
by samjuno
Wed Oct 13, 2010 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage -> Medigap: What exactly is the story?
Replies: 18
Views: 4381

Medicare Advantage Plan warning

Attended a "Medicare class" here in CO & was warned that if you get "seriously ill" - you could end up with horrendous co-pays. They mentioned something about patients having chemo being stuck with major (i.e. devastating) expenses. (Don't know if this would apply to Kaiser)....
by samjuno
Fri Aug 06, 2010 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Medicare vs. employer's HDHP
Replies: 6
Views: 2437

Part B penalty + HDHP

My group HDHP is not a "credible plan" in terms of Part D, so there would be a penalty in delaying signing up for it. It's unclear if I delayed signing up for Part A & B whether it would trigger a Part B penalty later. I attended a Medicare info session today & was told the employe...
by samjuno
Thu Aug 05, 2010 2:56 am
Forum: Personal Finance (Not Investing)
Topic: Medicare vs. employer's HDHP
Replies: 6
Views: 2437

Medicare vs. employer's HDHP

I'm turning 65 soon and am faced with either staying on my employer's High deductible Health plan & keep contributing to my HSA or signing up for Medicare. I plan to keep working a few more years and am in the 15%-25% tax bracket (depending on overtime). Am currently in decent health with no maj...

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