Search found 1911 matches

by Electron
Sat Nov 16, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 295
Views: 39563

Re: Do you have an umbrella policy?

Is additional umbrella policy coverage typically priced at a fixed dollar amount per $1M coverage? My first $1M costs $243 per year with the next $1M costing only an additional $170. After that, it is $200 per additional $1M coverage up to some limit. I hadn't noticed it before but the policy has a ...
by Electron
Fri Nov 15, 2019 10:30 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 112
Views: 31135

Re: Why is Vanguard Treasury Money Market yield so high?

It looks like the higher yields from Vanguard Federal Money Market fund only lasted a short time. Here is an updated chart showing the unadjusted SEC yields for VUSXX, VMFXX, and VMSXX. You can see how the Federal Money Market fund yield exceeded that of the Treasury fund for a period of time but ha...
by Electron
Fri Nov 15, 2019 4:39 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond Funds VSCSX and VFSUX - An Interesting Comparison
Replies: 3
Views: 380

Re: Short Term Bond Funds VSCSX and VFSUX - An Interesting Comparison

Thanks quisp65 and livesoft for the replies. I've also been concerned about the risk inherent in VSCSX with the large percentage in A and Baa rated securities. There is also a very heavy weighting in financial stocks. That's an excellent point about the fund performance had it existed in 2008. All t...
by Electron
Fri Nov 15, 2019 2:08 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond Funds VSCSX and VFSUX - An Interesting Comparison
Replies: 3
Views: 380

Short Term Bond Funds VSCSX and VFSUX - An Interesting Comparison

I've taken some data on Vanguard Short Term Bond Funds VSCSX and VFSUX and wonder if anyone has any comments. VSCSX is a short term corporate bond index fund while VFSUX is an actively managed short term bond fund. I found two things of interest since the beginning of the year. A hypothetical purcha...
by Electron
Tue Nov 12, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 39
Views: 3025

Re: Basic Medicare Part B 2020 Premium $144.30 ??

Here is the latest information on 2020 Medicare costs including Part B Premium and IRMAA amounts. The Income Related Monthly Adjustment Amount (IRMAA) income brackets have been adjusted for inflation starting in 2020. IRMAA amounts for Medicare Part B increased in each tier while the IRMAA amounts f...
by Electron
Wed Nov 06, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 295
Views: 39563

Re: Do you have an umbrella policy?

Yep, $243 reflects the riskiness of the individual policy holder and the region you reside in. Hard to find a rate much cheaper than that. I was surprised at the difference in umbrella premium after increasing the auto policy liability limits and removing the umbrella policy uninsured motorist cove...
by Electron
Wed Nov 06, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 295
Views: 39563

Re: Do you have an umbrella policy?

Great to see this thread active for over two years. My premium this year for a $1M umbrella policy was $500.00 which seemed very high. I just increased my auto liability coverage from $250K to $500K and it decreased the umbrella premium quite a bit and resulted in a worthwhile overall savings. The n...
by Electron
Mon Nov 04, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Prescription Drug Plans - Members' Ratings
Replies: 6
Views: 690

Re: Medicare Prescription Drug Plans - Members' Ratings

I should have mentioned that it is easy to see the breakdown of the Medicare Star Ratings. First bring up all your Medicare Part D choices on the Medicare site. Then click on Star Rating for any plan in the upper right hand corner. In the window that pops up click on "Learn More About Star Ratings" ...
by Electron
Mon Nov 04, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Prescription Drug Plans - Members' Ratings
Replies: 6
Views: 690

Re: Medicare Prescription Drug Plans - Members' Ratings

I looked at the breakdown of the Star Ratings for the Prescription Drug Plans. A lot of factors come into play that may not be important to everyone. Here are the individual ratings for Express Scripts which received an Overall Star Rating of 3. This may make the Members' Ratings look somewhat bette...
by Electron
Sat Nov 02, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Prescription Drug Plans - Members' Ratings
Replies: 6
Views: 690

Re: Medicare Prescription Drug Plans - Members' Ratings

Do a similar check for your area. I think you will quickly dismiss these ballyhooed member ratings as pretty worthless. It does seem as though the Medicare Star Ratings would be a better indicator and should have been shown in the Medicare & You Handbook. I just checked the Star Ratings for my area...
by Electron
Sat Nov 02, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Prescription Drug Plans - Members' Ratings
Replies: 6
Views: 690

Medicare Prescription Drug Plans - Members' Ratings

The 2020 Medicare & You Handbook provides a Members' Rating for each of the Prescription Drug Plans listed. Do any of these ratings appear in line with your experience? I'm just wondering if a plan rated 85% might be a better choice than a plan rated 81%. Here are the ratings for the plans offered i...
by Electron
Tue Oct 29, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7952

Re: Humana Part D - ILLINOIS - premiums up up up

I logged onto the Medicare site today and was pleased to see my 2020 drug plan choice already listed. There is also an option to view all previous plans. After you log in look for the link to view current Medicare coverage. I was glad to see the 2020 plan correctly listed as I had enrolled in a diff...
by Electron
Thu Oct 24, 2019 8:57 pm
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 38
Views: 7950

Re: "Fear of Finance?" AARP interview with Jack Bogle

The article discussed in this 2017 thread is now available online.

https://www.aarp.org/money/investing/in ... bogle.html

It's a great interview and definitely worth reading.
by Electron
Thu Oct 24, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6332

Re: car battery change or not? 2 year old battery

When I replace batteries in our vehicles, I now do so with AGM batteries. These will last about twice as long as standard car batteries and perform better as well. I've also been interested in the AGM battery but have a fairly late model car without smart alternator. Charging voltage is on the low ...
by Electron
Mon Oct 21, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7952

Re: Humana Part D - ILLINOIS - premiums up up up

There is absolutely no logic, no rhyme or reason, in the enormous changes that are going to take place next year. Here is another surprise although it may have applied in earlier years. The three Express Scripts Medicare Part D plans use different Preferred Retail pharmacies. Express Scripts Saver ...
by Electron
Sat Oct 19, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6332

Re: car battery change or not? 2 year old battery

I am sure this is not true today, but at one time I believe a battery charge was not needed for a car to run just fine. If you had a manual transmission, you could get it started with a push or rolling down an incline. I did that a few times in my 1967 VW Beetle! That was true for many years with b...
by Electron
Fri Oct 18, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7952

Re: Humana Part D - ILLINOIS - premiums up up up

Thanks drawpoker for the comments. That's a good point that the premium is only one factor in total costs. It looks like any new prescription for any of us is a roll of the dice regardless of the plan selected. I assume the odds are somewhat better if one has selected a higher premium plan with more...
by Electron
Thu Oct 17, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6332

Re: car battery change or not? 2 year old battery

Maybe you can answer a question I have. In the "old" days, testing a car battery involved putting a load on it similar to starting the car, i.e. 100's of amps. This involved a pretty big testing device, and a lot of heat and a bit of smoke. The last time I went to a dealer (OK, many years ago), a g...
by Electron
Thu Oct 17, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7952

Re: Humana Part D - ILLINOIS - premiums up up up

Here's a question for those looking at different Medicare Part D Plans and Formularies.

How would you select a plan to handle any new prescriptions written in the coming year? I'm wondering if any plans might be a better choice than others within the same price range.
by Electron
Wed Oct 16, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: car battery change or not? 2 year old battery
Replies: 118
Views: 6332

Re: car battery change or not? 2 year old battery

There is a rule of thumb to always wait 24 hours before measuring the voltage of a lead acid battery after any charging has taken place. Charging is typically in the range of 13.5 -14.5 volts and surface charge builds up on the plates. The surface charge takes time to dissipate after the engine is s...
by Electron
Sun Oct 13, 2019 9:00 pm
Forum: Personal Consumer Issues
Topic: Moto G7 Review after 2 days
Replies: 12
Views: 1968

Re: Moto G7 Review after 2 days

I should have mentioned that Cricket Wireless does support Wi-Fi calling although I have not set it up yet.

One pleasant surprise with the Moto G7 is that the screen remains remarkably clean. With my Alcatel Idol 3 I am constantly wiping the screen with a microfiber cloth.
by Electron
Sun Oct 13, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Moto G7 Review after 2 days
Replies: 12
Views: 1968

Re: Moto G7 Review after 2 days

I just added a Moto G7 to my Cricket Wireless account. The phone is a tremendous improvement over my three year old phone running Android 6. My intention was to buy an unlocked phone from Best Buy but their pricing depends on whether the phone is activated at the time of purchase. It wasn't clear if...
by Electron
Sun Oct 13, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7952

Re: Humana Part D - ILLINOIS - premiums up up up

The Oct 15th you reference is the date that official enrollment begins. Albeit, as many have cautioned, it would be unwise to sign up for any Plan that quick. As the decision could be based on faulty data. I read recently that you can enroll in these plans more than once during the enrollment perio...
by Electron
Thu Oct 03, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D advise
Replies: 33
Views: 2535

Re: Medicare Part D advise

Here is some additional information on the Humana Walmart Value Rx Plan and the Humana Premier Rx Plan. This thread was posted in the Insurance Forums on August 30. https://insurance-forums.com/community/threads/humana-pdp-changes-2020.99331/ The Walmart Value Rx Plan offers Preferred Cost Sharing a...
by Electron
Thu Oct 03, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7952

Re: Humana Part D - ILLINOIS - premiums up up up

My 2019 Humana Walmart Rx Plan ($29.90) is being replaced in 2020 with the new Humana Premier Rx Plan ($64.50).

However, there is also a new Humana Walmart Value Rx Plan that costs only $13.20. I have no details at present but would guess that the Formulary is more restricted.
by Electron
Sat Sep 07, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: taxact 2018 tax year software price increase 100%?
Replies: 34
Views: 5749

Re: taxact 2018 tax year software price increase 100%?

Does anyone know if TaxAct 2018 Free Edition is available as a download? The download link only seems to offer the paid versions. I have TaxAct 2014 and TaxAct 2015 installed on my computer and both were excellent products. I've used both programs to check my own tax calculations and model different...
by Electron
Fri Sep 06, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?
Replies: 62
Views: 4663

Re: TaxAct problems? Anyone have success with a return which includes "backdoor" Roth reporting?

Agreed. TA used to be great. It used to allow a full view of the tax forms as they were being filled out. That's disappointing to hear. I have the downloadable free editions of TaxAct 2014 and TaxAct 2015 on my PC and they were both great products. Those versions even had the capability to automati...
by Electron
Mon Aug 26, 2019 10:36 pm
Forum: Personal Investments
Topic: Vanguard Energy Fund (VGENX) - should I continue to hold or sell it?
Replies: 18
Views: 1472

Re: Vanguard Energy Fund (VGENX) - should I continue to hold or sell it?

I just read an article over the weekend mentioning that valuations in the energy sector are very attractive. The dividend yield on Exxon Mobil is over 5% as one example. This might be a better time to buy rather than sell. An Internet search on the energy sector and valuations turns up quite a few a...
by Electron
Sun Jul 28, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 150
Views: 11461

Re: Changes to Morningstar Website?

The capability to download Total Return data using the Interactive Chart is indeed a valuable feature. The csv files that I downloaded had 11 significant digits to the right of the decimal point. The csv file also includes other features that can be added to the chart. Yahoo Finance data would appea...
by Electron
Sat Jul 27, 2019 5:14 pm
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 150
Views: 11461

Re: Changes to Morningstar Website?

It's great to see Morningstar already responding to user inputs. One problem I noticed with the Interactive Chart is that it disappears if I click anywhere off the chart. I also noticed that year-to-date returns are off by a small amount. Changing the date to 12-31-18 corrects the problem. I will mi...
by Electron
Fri Jul 26, 2019 12:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 361
Views: 64335

Re: Vanguard Municipal Money Market VMSXX 1.39%

It looks like Treasury Bill yields have already discounted a Fed rate cut expected next week.

https://fred.stlouisfed.org/series/DGS3MO

The drop in yields over the last few months is more than I expected. It will be interesting to see what happens after the Fed decision.
by Electron
Thu Jul 25, 2019 4:01 pm
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 150
Views: 11461

Re: Changes to Morningstar Website?

I've also noticed problems with Yahoo Finance data. Some dividends may be missing. Capital gains distributions are generally included with dividends without any labeling and may combine short term and long term. All distributions may be rounded. I also recall that Morningstar dividends as shown on t...
by Electron
Wed Jul 24, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 3115

Re: Standard Car Key Battery Life for Late Model Vehicles

I just noticed that my car manual has information on battery life for the Smart Key. "The standard battery life is 1 to 2 years." The statement is in a section called Key Information. Battery life is not provided for the Standard Key. Car manuals today are a bit overwhelming. My manual has a total o...
by Electron
Tue Jul 23, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 3115

Re: Standard Car Key Battery Life for Late Model Vehicles

I already had spare CR2032 batteries. I own a GB Instruments GBT-500A Battery Tester which has a lithium coin cell setting. The GBT-500A looks like a good test for the CR2032 and similar batteries. The manual shows a 1 milliamp load for the 3 volt range. A Digital Multimeter without any loading has...
by Electron
Sun Jul 21, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: Short-term Capital loss carryover - does it offset short term first, or long-term?
Replies: 3
Views: 512

Re: Short-term Capital loss carryover - does it offset short term first, or long-term?

I'm familiar with the rules of short-term capital loss deductions in the current tax year. What I don't know is, if there's a short term capital loss carryover to the next year, does it still offset in the same order? (short-term gain, then long-term gain, then income)? Take a look at the Capital L...
by Electron
Thu Jul 18, 2019 10:57 am
Forum: Investing - Theory, News & General
Topic: Changes to Morningstar Website?
Replies: 150
Views: 11461

Re: Changes to Morningstar Website?

I noticed the changes yesterday which are significant. The Performance tab did not let me add other funds for comparison. I was unable to create a custom dated chart with additional funds added for comparison or provide an Internet link. That was a great feature. Previous links still appear to work ...
by Electron
Mon Jul 15, 2019 3:25 pm
Forum: Personal Investments
Topic: ST Corp Bond Index (VSCSX) for cash parking?
Replies: 10
Views: 978

Re: ST Corp Bond Index (VSCSX) for cash parking?

Vanguard Prime Money Market is currently yielding 2.30% and is another possibility. Bond funds of all maturities have seen significant gains in NAV going back to November based on expectations of lower interest rates ahead. The NAV of VSCSX has already moved up over 3% this year. That trend could co...
by Electron
Sun Jul 14, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 3115

Re: Standard Car Key Battery Life for Late Model Vehicles

Thanks to all for a lot of helpful and interesting information. It looks like my experience was not unusual with a battery life a little over three years. I have the same 2016 Camry mentioned in the thread also with a key needing a new CR2016 battery this year. My car has only the basic alarm and lo...
by Electron
Sat Jul 13, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Standard Car Key Battery Life for Late Model Vehicles
Replies: 40
Views: 3115

Standard Car Key Battery Life for Late Model Vehicles

My 2016 model year car came with two standard mechanical keys that include buttons for locking, unlocking, and opening the trunk. I almost never use the buttons and was surprised yesterday when neither key would open the trunk or lock the doors. What kind of battery life would you expect when not ev...
by Electron
Sat Jul 13, 2019 4:20 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 112
Views: 31135

Re: Why is Vanguard Treasury Money Market yield so high?

I'm staying with VUSXX for the time being. Vanguard Federal Money Market is currently only 3.9 basis points higher on an after-tax basis for my case. The spread relative to VUSXX seems unusually high at present. I looked at the data going back to 2015 and high spreads never persisted very long. That...
by Electron
Thu Jul 11, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 68
Views: 6991

Re: End of Support Chromebook

This article from 2016 indicates that Chromebooks may have an "official" end-of-life date that is different from the posted date. https://www.pcworld.com/article/3109868/why-google-plans-to-stop-supporting-your-chromebook-after-five-years.html "Google says it’s working with our partners to update ou...
by Electron
Wed Jul 10, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 68
Views: 6991

Re: End of Support Chromebook

I recently bought an Acer CB3-532 and just discovered that support will end in two years. https://support.google.com/chrome/a/answer/6220366?hl=en Support appears to be linked to the hardware chipset that is used. It looks like anyone buying a Chromebook should check the list before purchase. Each C...
by Electron
Sun Jul 07, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 112
Views: 31135

Re: Why is Vanguard Treasury Money Market yield so high?

The average weighted maturity probably is more relevant, as it uses the interest reset dates for floating rate instruments rather than the final maturity, and it's the average weighted maturity that affects duration (term risk). Vanguard shows average weighted maturity for VMFXX of 39 days, and 43 ...
by Electron
Sun Jul 07, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 112
Views: 31135

Re: Why is Vanguard Treasury Money Market yield so high?

Vanguard provides a document every year entitled U.S. government obligations information. Percentage information is provided for the applicable funds along with the important notes below. https://personal.vanguard.com/pdf/USGO_012019.pdf "Column 1. Percentage of the fund’s total income derived from ...
by Electron
Sat Jul 06, 2019 3:29 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 112
Views: 31135

Re: Why is Vanguard Treasury Money Market yield so high?

VUSXX SEC yield now is within 1 basis point of the expected yield I calculate by subtracting the ER of 0.09% from the 1,2 and 3 month averages of the 1m, 2m, and 3m Treasuries respectively. Thanks for the update and comments on the June portfolio holdings. Nice to see your calculation once again li...
by Electron
Fri Jul 05, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 112
Views: 31135

Re: Why is Vanguard Treasury Money Market yield so high?

Fidelity appears to have two different Treasury Money Market funds. FDLXX holds only Treasury bills and Treasury notes while FZFXX has a large percentage in Repurchase Agreements. As with Vanguard, the June portfolio holdings are still not available. FDLXX shows 4.48% of holdings having a maturity b...
by Electron
Fri Jul 05, 2019 1:41 pm
Forum: Personal Investments
Topic: How is VG's High Yield VWEHX for consistent income?
Replies: 19
Views: 1715

Re: How is VG's High Yield VWEHX for consistent income?

Vanguard High Yield Corporate really shouldn't be compared with the Total Bond Market fund, but it is still an interesting comparison. Here is a Morningstar chart showing the Total Return of the two funds starting on 12-31-86. http://quotes.morningstar.com/chart/fund/chart?t=VWEHX®ion=usa&culture...
by Electron
Thu Jul 04, 2019 3:37 pm
Forum: Personal Investments
Topic: How is VG's High Yield VWEHX for consistent income?
Replies: 19
Views: 1715

Re: How is VG's High Yield VWEHX for consistent income?

As with other bond funds, one can use the current SEC yield to estimate a forward total return assuming all dividends are reinvested. The thread I referenced above has some very interesting information along those lines. Note Rick Ferri's projection for Vanguard High Yield made back in 2008. https:/...
by Electron
Thu Jul 04, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 112
Views: 31135

Re: Why is Vanguard Treasury Money Market yield so high?

The good news is that the 1m Treasury yield is 2.25% today, up from a recent low of 2.11% a week ago. The 2m is 2.20%, up from 2.15% on 6/28, and the 3m is 2.21%, up from 2.12% on 6/28. If my understanding is correct, a higher 3 month Treasury auction relative to the previous week would result in a...
by Electron
Wed Jul 03, 2019 6:04 pm
Forum: Personal Investments
Topic: How is VG's High Yield VWEHX for consistent income?
Replies: 19
Views: 1715

Re: How is VG's High Yield VWEHX for consistent income?

Here is a related thread that may be of interest.

viewtopic.php?f=10&t=240620

Note the trend in the monthly dividend as shown on the chart.