Search found 1098 matches

by Big Dog
Fri May 24, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 17
Views: 842

Re: Does it make sense to buy Part D if you are subject to IRMAA?

don't forget that you will be subject to a late enrollment penalty if you do not sign up for Part D after initial enrollment period. Personally, I purchased the cheapest Rx plan available (as I take no meds). https://www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-...
by Big Dog
Fri May 24, 2019 11:29 am
Forum: Personal Investments
Topic: I need HSA advice!
Replies: 14
Views: 1502

Re: I need HSA advice!

You’re correct on the pro-rating but OP is losing their HDHP plan and won’t be able to contribute any more. Yeah I get that. OP does not state what calendar year(s) that $3k balance represents. Contributions go both ways. The OP could be over-contributed for the calendar year (or under). If the lat...
by Big Dog
Fri May 24, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 35
Views: 1896

House votes to change RMDs to 72

[Thread merged into here, see below. --admin LadyGeek] since it was a bipartisan vote, hopefully the Senate picks this up quickly. would encourage 401(k)-type plans to offer annuities, a type of insurance contract that guarantees a monthly income stream as long as a retiree lives. It also would rep...
by Big Dog
Thu May 23, 2019 10:02 pm
Forum: Personal Investments
Topic: I need HSA advice!
Replies: 14
Views: 1502

Re: I need HSA advice!

the max you can put into an HSA for 2019 is $3500 prorated for the months that you are actually in a HD plan, so if you start you new plan on say, July 1, you are limited to $1750 ($3500/12*6). If you are 55+, you could add an additional $500 ($1000/12*6). That is just for you. If your husband is al...
by Big Dog
Thu May 23, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Grad school financing - hard sciences
Replies: 30
Views: 2216

Re: Grad school financing - hard sciences

one should never pursue a PhD unless its fully funded. And fortunately, the STEM ones usually are.

OTOH, MA/MS programs are usually cash cows for the Uni. Sure, the student can apply for a TA position, but those can be competitive.

btw: assume 5+ years to complete the PhD.
by Big Dog
Thu May 23, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 114
Views: 9851

Re: Is the housing market starting to collapse?

some SoCal prices seemed to have rebounded in April. Of course, a one-month data point is not a trend. Single family home prices in Orange, Los Angeles and San Diego counties changed course, climbing up in April after falling year over year in March. https://www.dailynews.com/2019/05/17/sliding-home...
by Big Dog
Thu May 23, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: "A Set-It-and-Forget-It Target-Date Series From Vanguard"
Replies: 87
Views: 7706

Re: "A Set-It-and-Forget-It Target-Date Series From Vanguard"

I'm surprised by how aggressive these target-date funds are. For instance, at 10 years from retirement, they still allocate 70% in equities. I don't know, maybe it's just me who's unreasonably conservative... Obviously, whatever helps you sleep at night. (Personally, I was 100% equities 10 years be...
by Big Dog
Tue May 21, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Payable On Death Account to Complement Will
Replies: 66
Views: 3363

Re: Payable On Death Account to Compliment Will

If he owns a home he needs a will. While the OP has already responded that his friend does not own any RE, I'm just popping in to say, not necessarily. California now allows a ToD title transfer for real estate just by filing a simple form. In our case, the wife and I have two kids, which each get ...
by Big Dog
Tue May 21, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Delaying social security = harming nest egg?
Replies: 71
Views: 5373

Re: Delaying social security = harming nest egg?

run the models, such as OpenSocialSecurity, since they take all of those factors into account. (it took me a long time to buy into the 'spend my assets today so I can earn more SS later pv.')

check the Advanced box

https://opensocialsecurity.com
by Big Dog
Mon May 20, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 13987

Re: Tired of gas grills rusting out...

I've had two Webers in 30+ years. Only retired the first one bcos I won a new one at an office raffle. Used to cover them, but got too lazy so just let them bake in the SoCal sun.
by Big Dog
Mon May 20, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my student loans early?
Replies: 22
Views: 2052

Re: Should I pay off my student loans early?

sure, payoff the debt but first obtain concurrence from your partner if you are using "us" funds.
by Big Dog
Fri May 17, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on new indexes
Replies: 13
Views: 1331

Re: Reporter doing story on new indexes

John Bogle: Buy the whole haystack. (not part of it.)
by Big Dog
Fri May 17, 2019 3:59 pm
Forum: Investing - Theory, News & General
Topic: Constructing Tax Efficient Withdrawal Strategies for Retirees
Replies: 13
Views: 2011

Re: Constructing Tax Efficient Withdrawal Strategies for Retirees

Are these BHs Larimore, Lindauer, Ferri, etc?
ok, I'll bite and have to go back and read the tome as to why....I expect that my marginal rate will be lower than my heirs, so not sure why leaving the TDAs instead of Roths is a good thing.
by Big Dog
Fri May 17, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6147

Re: Why do plumbers get paid so well?

Two words: supply & demand.
by Big Dog
Tue May 14, 2019 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare, HSA, Contributions for a married couple in the year they both turn 65
Replies: 4
Views: 249

Re: Medicare, HSA, Contributions for a married couple in the year they both turn 65

he gets 8/12ths for both regular and catchup

you get 9/12ths for both regular and catchup, but the delta has to be in your name. (my wife has her own HSA at Fidelity for this sole purpose.)

btw: assumes that neither birth day is the first of the month.
by Big Dog
Tue May 14, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Heating with propane?? Good idea?
Replies: 38
Views: 1908

Re: Heating with propane?? Good idea?

The problem is that the air ducts are located outside the house (in the attic or crawl space) and they leak. Since a heat pump takes longer to heat the air, it gives the ducts more time to leak humidity to the outside. Sounds like you need a quality HVAC firm to redo/replace your duct work. We had ...
by Big Dog
Mon May 13, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 23
Views: 1754

Re: Home warranty - is it worth the money?

instead of a warranty company, much better to establish a relationship with a good plumber and HVAC guy. The Warranty companies hire a lot of inexperienced rookies.....
by Big Dog
Mon May 13, 2019 10:11 pm
Forum: Personal Investments
Topic: Ira transfer to Vanguard
Replies: 13
Views: 1109

Re: Ira transfer to Vanguard

I don't know that they will pay any fees. That being said, I'm surprised that they were not helpful. Usually, they are pretty good about explaining how to do a transfer.
by Big Dog
Mon May 13, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2335

Re: PSA: Do you have working carbon monoxide detectors?

we have one in an upstairs bedroom, whose door is always open. City code requires at least one.
by Big Dog
Sun May 12, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with directors and officers and other insurance for a small non-profit?
Replies: 16
Views: 1020

Re: Anyone have experience with directors and officers and other insurance for a small non-profit?

was a former C-level exec of a nonprofit. We purchased D&O and EPL -- may need both? -- from a local SoCal broker. Check with others in your space. E-mail the Exec Director of a neighboring theater group and ask if they are happy with their insurance broker and if they might share the contact info. ...
by Big Dog
Sun May 12, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 696
Views: 209613

Re: Retiree Portfolio Model

For anyone working through the convert / not convert conundrum, here are a couple of real life scenarios to consider for your heirs. If you leave a $1M, $2M, $3M inheritance to your heirs, have you taken time to seriously consider and understand the tax consequences they face? You raise an excellen...
by Big Dog
Sat May 11, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: California tax question — state request for 2017 taxes, despite no CA earnings
Replies: 5
Views: 803

Re: California tax question — state request for 2017 taxes, despite no CA earnings

Tax year 2017 was full year Colorado resident with zero earnings in CA, not 'btw-part-time'; that was 2016. Sry, my bad, critical reading fail. OP: just call the state and tell them that your wife had a temporary assignment in CA in 2016 for which she filed a tax return. However, even though her li...
by Big Dog
Sat May 11, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: California tax question — state request for 2017 taxes, despite no CA earnings
Replies: 5
Views: 803

Re: California tax question — state request for 2017 taxes, despite no CA earnings

welcome to computer record matching. It may be dumb, but to make the computers happy, complete the zero return and put a $0.50 stamp on it. btw: she was a part-time resident for 3 months, not zero. If she earned any money during those three months, the state wants its piece of the action. This is no...
by Big Dog
Thu May 09, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Why is Social Security pushing retroactive benefits?
Replies: 32
Views: 3665

Re: Why is Social Security pushing retroactive benefits?

per this article in Forbes, SS is required to explain the availability of the '6 month bonus' for those who apply for SS benefits after FRA. The lump sum benefit option isn’t new. The option's been available when claiming retirement benefits at your full retirement age (FRA) or later. Social Securit...
by Big Dog
Tue May 07, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 3519

Re: Winter Tires All Year?

I keep winter tires on all year because another set of tires is $600 and although they will wear faster, I don't drive enough for that to be a concern. When you say 'winter tires", do you mean snow tires? If so, they have a longer stopping distance than all-season tires and particularly summer tire...
by Big Dog
Tue May 07, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 13295

Re: Shingrix [Vaccine availability]

Makes sense. Does anyone have info about coverage under Medicare? When I received my second vaccine, the pharmacist said it was covered under my Part B.....(which I found surprising, but didn't question it.) Since I was a new Medicare enrollee, she had not yet entered my Part D info. Your pharmacis...
by Big Dog
Tue May 07, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: How Is My Employer's Reimbursement of one-half HSA Deductible Treated for Tax Purposes?
Replies: 15
Views: 796

Re: How Is My Employer's Reimbursement of one-half HSA Deductible Treated for Tax Purposes?

it's income, but then it's pre-tax just like most medical premiums (assuming that they actually put it into the HSA), so its non-taxable for federal purposes (and most states, unlike California). (our company puts $500 into everyone's HSA account on Jan 2 and its reported on W2 as an HSA contributio...
by Big Dog
Tue May 07, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 13295

Re: Shingrix [Vaccine availability]

bowtie wrote:
Tue Mar 26, 2019 9:08 pm
Makes sense. Does anyone have info about coverage under Medicare?
When I received my second vaccine, the pharmacist said it was covered under my Part B.....(which I found surprising, but didn't question it.) Since I was a new Medicare enrollee, she had not yet entered my Part D info.
by Big Dog
Mon May 06, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans: Premiums or Rating Method?
Replies: 23
Views: 1358

Re: Medigap Plans: Premiums or Rating Method?

So, think we can call an official end to the Big Debate of "Is Plan F a Good Idea in Wisconsin, Or Would G, or HD, be Better?" No one, not you, not diy60, not BigDog, will be given 3 minutes
Kinda harsh, dontcha think?
by Big Dog
Mon May 06, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: College Academic Scholarships?
Replies: 30
Views: 1620

Re: College Academic Scholarships?

Extremely rare to obtain a scholly while already in school. They are generally reserved to entice entering Frosh to boost the numbers of the class (for ranking purposes?).
by Big Dog
Sun May 05, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans: Premiums or Rating Method?
Replies: 23
Views: 1358

Re: Medigap Plans: Premiums or Rating Method?

Search the threads on this forum, and you'll find several of them discussing why you shouldn't get plan F. I took Plan F last fall, but perhaps its a special case. Anthem was trying to drum up business, so they offered a $20/mo discount for newbies (loss leader?), so it was cheaper than G (+deducti...
by Big Dog
Tue Apr 30, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2015

Re: Car insurance shopping - worth leaving USAA?

From the way it was worded it sounded like if you don't make a selection you forfeit the dividend? Oh well.
Negative. much better to go to a primary source.

https://content.usaa.com/mcontent/stati ... 67819982_p
by Big Dog
Tue Apr 30, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2015

Re: Car insurance shopping - worth leaving USAA?

I have. They quoted me $145/month. Geico quoted me $103/month. I currently pay $188.50/month at USAA. Don't forget that Amica also has some sort of savings account feature such that you receive a credit against next year's premium. Love USAA, but what they are charging you seems kinda pricey. I pay...
by Big Dog
Thu Apr 25, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Use of airport skycap experience
Replies: 16
Views: 1445

Re: Use of airport skycap experience

not a frequent traveler anymore, but have been using skycap since my dad introduced me to it back in the dark ages. Normally, I carry on a 22" roll-aboard, but if I have need to check a bag, I always scan the skycap line and if its short, its a no-brainer. Guys are great. As others have noted, not s...
by Big Dog
Tue Apr 23, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Nonfinancial value of state university vs private college (USC)?
Replies: 64
Views: 2961

Re: Nonfinancial value of state university vs private college (USC)?

Son will have plenty of large classes at either school first couple of years. While 'SC is ranked slightly higher than UMd for biochem, its not significant. The only value would be to joint the Trojan Family and a chance to meet Aunt Becky. :oops:

Seriously tho, not worth the cost.
by Big Dog
Tue Apr 23, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2401

Re: Amazon Returns accepted at Kohl's Dept. Stores...

been using it for over a year here. Works great. No need to wrap/box the return. I purchased one liquid soap item in which the cap popped off during shipment. Needless to say, it was soggy mess. Just took the whole box and put it in a plastic bag and gave it to my Kohls rep. She said no problem with...
by Big Dog
Sat Apr 20, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 696
Views: 209613

Re: Retiree Portfolio Model

this model is incredible, bigfoot. I've looked at it several times in the past, but was always scared off by the complexity. But over the past two weekends, I've been diligently plugging and playing. Wow, just wow. Thanks a bunch. btw: obviously, we all download the spreadsheet and run it locally. B...
by Big Dog
Fri Apr 19, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 58
Views: 3441

Re: College admission inputs - Purdue vs local SJSU vs others

IMO, the COA comparison is not fair: one is living away at a four-year college and the other is living at home and commuting. So, comparing apples to apples, its $31k for SJSU dorms vs. $44k for Purdue. If you haver the cash and it won't dent your retirement, send him to Indiana. The maturation/grow...
by Big Dog
Mon Apr 15, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Social Security retirement benefits application: "Do you expect to die within a year?"
Replies: 3
Views: 654

Re: Social Security retirement benefits application: "Do you expect to die within a year?"

Anybody older than their full retirement age can get retroactive benefits though, I understand.
Most people have not the faintest ideas of the SS rules about retro pay.....
by Big Dog
Sat Apr 13, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap pricing and Medicare generally
Replies: 21
Views: 1222

Re: Medigap pricing and Medicare generally

Medicare says that the best time to buy a Medigap policy is during the 6-month Medigap open enrollment period following your 65th birthday.
That's an incorrect reading of the site. If you plan on Medigap, you'll preferably want it to start at teh same time as Medicare.
by Big Dog
Wed Apr 10, 2019 1:27 pm
Forum: Personal Investments
Topic: The 2-fund strategy for a beginner late-to-the-game investor
Replies: 12
Views: 1397

Re: The 2-fund strategy for a beginner late-to-the-game investor

I'd recommend a 2-fund portfolio: Vanguard Total Stock and Vanguard Total Bond
by Big Dog
Wed Apr 10, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 42
Views: 2270

Re: Understanding Medicare Options?

another good reference book. https://www.amazon.com/Get-Whats-Yours-Revised-Security/dp/1501144766/ref=asc_df_1501144766/?tag=hyprod-20&linkCode=df0&hvadid=312025907421&hvpos=1o3&hvnetw=g&hvrand=11121070594475427786&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9031526&hvtargid=pla-490...
by Big Dog
Tue Apr 09, 2019 12:34 am
Forum: Personal Investments
Topic: EE bonds doubling date
Replies: 12
Views: 1034

Re: EE bonds doubling date

For conversion, do you mail ordinary mail, certified, registered, something else? Registered seems the most secure.
USPS Priority Mail envelope. Comes with tracking.
by Big Dog
Fri Apr 05, 2019 9:38 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3185

Re: Grandparents gifting options for grandkids college

Option 3 (possible pro): does Colorado provide a state tax deduction if the grandparents setup a 529?

Option 4 (con): parents' increased assets count against financial aid (~5.6% per year).
by Big Dog
Fri Apr 05, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 388
Views: 29170

Re: Talk me out of buying a Tesla Model 3

2) True Delta is a source of reliability from the owners themselves. A collection of self-reported anecdotes does not equal 'data'..... 3) Even if Teslas somehow improve (not likely), the wait for parts and repair services is insane. See this post just now by a forum member on the 9 weeks for each ...
by Big Dog
Thu Apr 04, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Best friend in sticky situation with Medicare Part B.
Replies: 7
Views: 1297

Re: Best friend in sticky situation with Medicare Part B.

sorry, don't know the answer to your specific question, but I would advise him to go online and register for Part B today to get the app in process. And then call the State SHIP or Dept. of Aging.