Search found 578 matches

by Good Listener
Tue Sep 18, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranteed access for Medigap policies
Replies: 29
Views: 1541

Re: Guaranteed access for Medigap policies

@drawpoker...Thank you for your response. Edit" For the person you are asking about, Aetna has their own policies on existing policy holders wishing to switch down from F to G. The only way to find out is to ask. I asked. They underwrite.... Yes it sounds like the Massachusetts model is more like wh...
by Good Listener
Tue Sep 18, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 40
Views: 2887

Re: Dental work and hypertension issue

This is what dental schools do. Maybe it's a good message as your mouth should get work from a really good dentist. Check out Aetna vital savings or Cigna Dental. It is not insurance but a discount plan and very reasonable. Most dentists do not check blood pressure. I have never had mine checked. Fo...
by Good Listener
Tue Sep 18, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Guaranteed access for Medigap policies
Replies: 29
Views: 1541

Guaranteed access for Medigap policies

For those who know about Medigap policies, in almost all states there is no guaranteed access and it is subject to underwriting, mean you may never be able to get a policy if you can't pass underwriting. New York and a few others have guaranteed access and I understand that several other states are ...
by Good Listener
Sun Sep 16, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5044

Re: 38% pay cut for dream job?

Is there a reason your wife doesn't work and is she unable to ever contribute financially? If she can home school future planned children, she must have some skills right? OP has stated that the arrangement is "best for us". Try to be a... Good Listener. RM I try to be. The post was quite long and ...
by Good Listener
Sun Sep 16, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5044

Re: 38% pay cut for dream job?

Is there a reason your wife doesn't work and is she unable to ever contribute financially? If she can home school future planned children, she must have some skills right?
by Good Listener
Thu Sep 13, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Medicare and related statements
Replies: 7
Views: 431

Re: Medicare and related statements

Thank you for the replies. I actually am not a packrat but save things during the calendar year. I can see everything at the medicare.gov website anyway. I'm reluctant to switch to electronic copies only of anything because once you do in many cases you can never switch back. And it may be in a bunc...
by Good Listener
Wed Sep 12, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Medicare and related statements
Replies: 7
Views: 431

Medicare and related statements

This may not be too actionable except to ask whether people agree with me and who I should contact. I have been on Medicare since last November. I have noticed something remarkable which implies either that people think all seniors have terrible eyesight or they like to waste paper. Maybe there is s...
by Good Listener
Sat Sep 01, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: ACA premium assistance payback deductibility
Replies: 6
Views: 652

Re: ACA premium assistance payback deductibility

When I was self employed, I did not have my insurance bought under the name of a business, but just individually. I read the rules and it wasn't deductible unless under a business. Check out your circumstances apply tax wise.
by Good Listener
Sun Aug 26, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?
Replies: 17
Views: 1294

Re: Health Care: When HMO and Provider Seem to Disagree? Insurance experts?

I went through this 25 years ago and nothing was covered then. We spent a minimum of $1000 per week for 3 years before the child was in a real school. Maybe take a positive view that a $20 copay is quite good for such crucial services?
by Good Listener
Mon Aug 20, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12122

Re: Excessive Emergency Room Charges - Options?

OP, you say that the EOB matches what the hospital and others are asking. But I am confused that insurance would pay such a low percentage. It doesn't look like you have a high deductible plan. Could you show us a photo of the EOB.
by Good Listener
Wed Aug 15, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Buy back service time on pension
Replies: 42
Views: 3422

Re: Buy back service time on pension

Good Listener: Regarding the possibility of an underfunded pension, I'm not excessively worried about it. Yes, it's a risk, no doubt about it. But while private companies that offer underfunded pensions go bankrupt, disappear, and don't necessarily make good on the pension, I think public employers...
by Good Listener
Mon Aug 13, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7495

Re: Moving from Vanguard to Fidelity

You would have saved more if you stayed with your ex-wives and left Vanguard. /quote] Cruel, that's just cruel. :twisted: It could be viewed as cruel in a humorous way but I take it in stride and actually welcome it. It serves as a permanent reminder to avoid #3 as some men (me) aren't cut out for ...
by Good Listener
Mon Aug 13, 2018 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7495

Re: Moving from Vanguard to Fidelity

Although I split with 2 ex-wives, I will never leave Vanguard. They were the first to force down the costs and I wouldn't leave them for a few basis points or some quicker phone responses. You would have saved more if you stayed with your ex-wives and left Vanguard. /quote] Cruel, that's just cruel...
by Good Listener
Mon Aug 13, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7495

Re: Moving from Vanguard to Fidelity

Although I split with 2 ex-wives, I will never leave Vanguard. They were the first to force down the costs and I wouldn't leave them for a few basis points or some quicker phone responses. You would have saved more if you stayed with your ex-wives and left Vanguard. No question dollar-wise, particu...
by Good Listener
Sat Aug 11, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 55
Views: 7495

Re: Moving from Vanguard to Fidelity

Although I split with 2 ex-wives, I will never leave Vanguard. They were the first to force down the costs and I wouldn't leave them for a few basis points or some quicker phone responses.
by Good Listener
Sat Aug 11, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Buy back service time on pension
Replies: 42
Views: 3422

Re: Buy back service time on pension

I always ask why is this offer being made? To me (a person who never worked in the public sector), it reminds me of the longstanding statement that public employees get paid less salary (I'm not sure if its true anymore) in exchange for a better pension. Why? Well I figure it provides a secure feeli...
by Good Listener
Sat Aug 11, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion advice for senior
Replies: 7
Views: 644

Re: Roth conversion advice for senior

RMDs are basically kept in cash. Parent is in the 32% federal tax bracket. One heir is in the 35% federal tax bracket.... In this situation, would it make sense for a Roth conversion of some or all of the traditional IRAs? Yes. Because the actual marginal tax rate is not always the same as the tax ...
by Good Listener
Wed Aug 08, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Employer will not indemnify me cause I am retired
Replies: 56
Views: 5501

Re: Employer will not indemnify me cause I am retired

I'd think about it this way. The employees are covered. Why? You are not getting paid nor getting covered. Why not? So why would you risk anything?
by Good Listener
Tue Aug 07, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting
Replies: 12
Views: 649

Re: Seeking Advice related to Limited Partnership Commodities ETF with K-1 reporting

Rule #1 of investing......never buy something with a K1 form. Rule #2.....repeat rule 1. Seriously even if all goes well, often you get the K1 very late and often they get revised. I would sell it before year end, deal with whatever you have to for tax year 2018 and never do it again. This is all ba...
by Good Listener
Tue Aug 07, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2425

Re: Moving soon; whom to hire to help me move?

I would only use a licensed moving company and the DIY just seems too risky at many levels.
by Good Listener
Tue Aug 07, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?
Replies: 16
Views: 1243

Re: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?

This is not a gift to you so maybe that helps answer the other concerns. Gill Gill, Why wouldn't this be a gift? Not suggesting any bad or illegal intentions, but if the lady dies and the poster then owns the full 50k, isn't this avoiding gift tax when it was given? No, it’s not a gift at the time ...
by Good Listener
Mon Aug 06, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?
Replies: 16
Views: 1243

Re: Added as joint account owner - Is it a gift (gift/estate tax)? Is it a good idea?

Gill wrote:
Mon Aug 06, 2018 12:15 pm
This is not a gift to you so maybe that helps answer the other concerns.
Gill
Gill,
Why wouldn't this be a gift? Not suggesting any bad or illegal intentions, but if the lady dies and the poster then owns the full 50k, isn't this avoiding gift tax when it was given?
by Good Listener
Sat Aug 04, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable donations
Replies: 2
Views: 291

Re: Charitable donations

Deleted. See next post by Artsdoctor.
by Good Listener
Thu Jul 19, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10397

Re: Amazon Prime Day 2018

I ordered a Paperwhite. It should have arrived Wednesday and hasn't shipped yet but supposedly will get tomorrow, Friday. $80 instead of $120. I can't wait to not have to deal with getting and dealing with physical books and killing trees anymore.
by Good Listener
Wed Jul 18, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 3122

Re: International Stocks in Taxable?

I dont like the complexity of additional tax forms either, dating back to before TurboTax. For the foreign tax credit, it gets calculated regularly and for AMT. I know TurboTax can do it now but it has a lot of problems with it. I particularly don't like the high percent of dividends that are not qu...
by Good Listener
Tue Jul 17, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2769

Re: When to invest 100000?

If you are 100% sure a crash is coming soon, how could you possibly invest a penny until after the crash? So to be able to invest now, you need to check the accuracy of your predictive abilities. I personally have no skills in this area. A close friend has been in money markets 100% for 10 years bec...
by Good Listener
Thu Jul 12, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9649

Re: Keeping a checkbook register

To clarify as OP, I rarely write a physical check. The register is used to record transactions (including the rare check) of any type involving the checking ACCOUNT. Mostly ACHs. I do pay as many things once a year as possible to avoid monthly transactions. I just finished a checkbook. I've had it f...
by Good Listener
Sat Jul 07, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Financial Newspapers & Publications
Replies: 36
Views: 2948

Re: Financial Newspapers & Publications

The NY Times is very good with factual reporting on economics and business. OTOH, Fox News excels at outstanding opinion pieces. I used to think the Times was good in that area. I've had a subscription from right after college until this year (44 years) although i had read it every day from about a...
by Good Listener
Sat Jul 07, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Which route for older adult with no retirement?
Replies: 19
Views: 2537

Re: Which route for older adult with no retirement?

I empathize with your situation and let me try to help with your anger at your boss. I do not think he/she is corrupt. I have been an employee in one way or another my whole life including as part of management. And it is the very rare employee who is paid more than half of what he/she generates for...
by Good Listener
Sat Jul 07, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 2079

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

I am very happy. I was worried for you, really. The company really failed you in not letting you know that when they laid you off. And DON'T LET THIS HAPPEN AGAIN! The company didn't fail anything. The company does not provide the COBRA notice. They have 30 days to notify the group health plan admi...
by Good Listener
Sat Jul 07, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13142

Re: What I spent in 6 months on medicare

And I will add my usual warning that I hate Medicare Advantage, having lived through it for 2 months last year when I was put into it by a company retirement plan. I changed to original Medicare plus the supplement and Part D as soon as I could. With what I now have there are no prior authorization...
by Good Listener
Sat Jul 07, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13142

Re: What I spent in 6 months on medicare

No, that is incorrect IRMAA tacks on an additional charge to both Part B and Part D monthly premiums. I agree with this. What is "incorrect"?? I believe the affects of IRMAA are identical whether on Original Medicare and a drug plan - AND Medicare Advantage plan with the drug plan. Am I correct? Ye...
by Good Listener
Fri Jul 06, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13142

Re: What I spent in 6 months on medicare

No, that is incorrect IRMAA tacks on an additional charge to both Part B and Part D monthly premiums. I agree with this. What is "incorrect"?? I believe the affects of IRMAA are identical whether on Original Medicare and a drug plan - AND Medicare Advantage plan with the drug plan. Am I correct? Ye...
by Good Listener
Fri Jul 06, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it
Replies: 20
Views: 2079

Re: Need full coverage health insurrance for just THIS month only (between jobs) -- can't find it

understandingJH wrote:
Fri Jul 06, 2018 2:18 pm
Update: I am eligible for COBRA. Yay!
I am very happy. I was worried for you, really. The company really failed you in not letting you know that when they laid you off. And DON'T LET THIS HAPPEN AGAIN !
by Good Listener
Fri Jul 06, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5324

Re: Vanguard - What will the real return be for stocks and bonds over the next ten years?

Given today's valuatuons, I don't consider zero conservative. I think fair value for equities is 40% lower than today's levels. What makes you think that? That is 1642 on the S&P 500, which would be PE <15. The only time PE has been that low since 1995 was a span of 6 months in 2011. Zero is absolu...
by Good Listener
Thu Jul 05, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - What will the real return be for stocks and bonds over the next ten years?
Replies: 46
Views: 5324

Re: Vanguard - What will the real return be for stocks and bonds over the next ten years?

For planning purposes, I am honestly using a zero percent real rate of return. Hopefully it is a few percent too conservative and hopefully the real rate is not negative.
by Good Listener
Wed Jun 20, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for long-term care of a brother with Autism? (Financial aspect)
Replies: 27
Views: 2035

Re: Planning for long-term care of a brother with Autism? (Financial aspect)

Is he "too good" to be in a group home as at that point the state takes care of almost everything. I hate to be judgemental, but haven't your parents acknowledged a need to provide more for him and try to somehow save more for him? It's a lot to be laid on you particularly if you ever decide to have...
by Good Listener
Mon Jun 18, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Help From Cruel Stepmother
Replies: 49
Views: 7829

Re: Trust Help From Cruel Stepmother

I would go right to a lawyer and I'm sure the lawyer can help get this worked out.
by Good Listener
Fri Jun 08, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Source of objective assessment of Medicare B,C,D
Replies: 33
Views: 2135

Re: Source of objective assessment of Medicare B,C,D

I vigor ously recommend against Medicare Advantage. I had it for 2 months last year from a company plan and had to get some prior authorizations for things one of which was refused. I ended it. I've had at least five diagnostic test in the last 3 months all of which would have required prior approva...
by Good Listener
Mon May 28, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: Can anyone recommend Any Social Responsible fund/s?
Replies: 17
Views: 1462

Re: Can anyone recommend Any Social Responsible fund/s?

One person's socially responsible is another person's irresponsible.
by Good Listener
Mon May 28, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we retire in 2018?
Replies: 103
Views: 9036

Re: Can we retire in 2018?

I suggest retiring the earliest you can. I waited until age 64. What a mistake. Now a year and a half later i wake up when I want and have time to deal with the medical issues that happen as you age.
by Good Listener
Mon May 28, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Please help. Private school contract woes.
Replies: 21
Views: 3423

Re: Please help. Private school contract woes.

I wouldn't bother with an attorney. They are giving you an out from a contract you signed and probably liable for for $2500. I have been in similar situations although not with private schools. I would write the check and deliver it by hand requesting a release and receipt.
by Good Listener
Sat May 26, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Mango card hacked and drained! Help!
Replies: 7
Views: 1912

Re: Mango card hacked and drained! Help!

This may be a useful lesson. When probably 95% of people don't know what something you own is (Mango card?) ...stay away. I hope you can recover your losses. OP probably found out about Mango from this site (high interest savings account). I guess we could just re-state your post and say, if you do...
by Good Listener
Fri May 25, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Mango card hacked and drained! Help!
Replies: 7
Views: 1912

Re: Mango card hacked and drained! Help!

This may be a useful lesson. When probably 95% of people don't know what something you own is (Mango card?) ...stay away. I hope you can recover your losses.
by Good Listener
Fri May 25, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: I need advice on having 2 jobs.
Replies: 25
Views: 3036

Re: I need advice on having 2 jobs.

How do you get from the job ending at 5 pm to the one starting at 6pm? Doesn't that effectively rule out overtime from the first job?
by Good Listener
Wed May 23, 2018 8:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 105
Views: 19058

Re: [Virtual online chapter - Master thread]

It was great lazylarry. Thanks for arranging. I wanted to donate so you could get to your goal to avoid needing to change links at 40 minutes but I don't use PayPal. But then it lasted on 1 link for more than an hour. Did you reach your $150 goal per your recent comments here?
by Good Listener
Tue May 22, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 6558

Re: How do I tell if Roth conversions are worth the trouble?

I don't know why people seem it's essential to stay in the same bracket and not go a few per cent higher. I believe strongly that we are now at tax rates that are the lowest any of us will ever see. I would convert it all to Roths no matter what the bracket, and I am doing that.
by Good Listener
Mon May 21, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1819

Re: Medicare and Cataract surgery - one or two charges?

As a doc, I prefer to keep things as simple as possible. So I went with the basic lenses. I used a private ophthalmologist rather than a cataract mill, and he told me well over 90% went with standard monofocal lenses, and that's what he would choose for himself. After my supplemental plan F, I paid...