Search found 702 matches

by Good Listener
Sun Nov 03, 2019 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: No out of network coverage
Replies: 61
Views: 3681

Re: No out of network coverage

The same issue caused me to opt for Medicare + Supplement (Plan G) + Part D rather than an otherwise cost-effective local Advantage plan. A key area hospital (#1 in the USA for this specialty, which I have used before) does not participate in the available Advantage plans, but does accept tradition...
by Good Listener
Wed Oct 30, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3032

Re: Unnecessary blood tests

As a former practicing internist and sub specialist, if a patient requested that for an annual physical that I should not obtain a CBC and metabolic profile, I would suggest that if there is no emergency at that visit, that he/she get another doctor and this visit is at no charge. The patient is tel...
by Good Listener
Wed Oct 09, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question related to large Roth Conversion
Replies: 13
Views: 1257

Re: Tax Question related to large Roth Conversion

I am pretty close to retirement today. I am also being pinched between my current income and IRMAA, taxation of our social security benefits (delaying to 70), RMDs, and the expiration of the Trump tax cuts. I have a 5 year window and about $1M to convert. After 5 years everything gets less favorabl...
by Good Listener
Wed Oct 09, 2019 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Premiums when collecting Social Security benefits
Replies: 7
Views: 1107

Medicare Premiums when collecting Social Security benefits

People here have helped me greatly in understanding the medicare premium, EZ pay, etc. I know that when you begin collecting Social Security, your Medicare premiums will be deducted from the benefit payment. I am confused about a few things because I know that the social security benefit payment is ...
by Good Listener
Sat Sep 28, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 15391

Re: I feel guilty spending my money!

No cable TV on that amount of income to save money? This is very troublesome.
by Good Listener
Thu Sep 26, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 20290

Re: financially clueless senior MIL who thinks she’s rich

This is a tough situation. If I were you, would start with her doctor. Meaning, she will have to sign a consent form to allow the doc to speak with you and your spouse regarding her health. If she agrees to this without any hassles you can then explore with the doc just what is her mental state and...
by Good Listener
Wed Sep 25, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D IRMAA premiums and deduction from Social Security
Replies: 13
Views: 1085

Re: Medicare Part D IRMAA premiums and deduction from Social Security

"I had to take steps to have Part D premiums deducted from SS." Keep a close eye on them, I had the opposite experience. When I began having IRMAA deducted from my check for Part B this past January they also began charging me for Part D IRMAA. But I've never had Part D. I've had Anthem insurance a...
by Good Listener
Tue Sep 24, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D IRMAA premiums and deduction from Social Security
Replies: 13
Views: 1085

Re: Medicare Part D IRMAA premiums and deduction from Social Security

To be clear, I believe the first response addressed my question. I am not talking about the part D premiums. I'm talking about the part D IRMAA.
by Good Listener
Tue Sep 24, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D IRMAA premiums and deduction from Social Security
Replies: 13
Views: 1085

Medicare Part D IRMAA premiums and deduction from Social Security

I have a question of something I will be dealing with shortly. I currently pay Part B and D IRMAA premiums for Medicare via EZ pay because I have not yet started Social Security. I know that part D IRMAA is considered different because you always get a monthly bill if you're paying that as supposed ...
by Good Listener
Fri Aug 16, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Transition ACA plan to Medicare
Replies: 16
Views: 840

Re: Transition ACA plan to Medicare

WhyNotKnow wrote:
Fri Aug 16, 2019 1:25 pm
One of my medical providers does not take Humana.
Might want to check with your providers first.
They may not take Humana for non medicare policies but if they take Medicare they take any secondary coverage. They have to.
by Good Listener
Fri Aug 09, 2019 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Received a $17,000 medical bill! Can we negotiate?
Replies: 91
Views: 10434

Re: Received a $17,000 medical bill! Can we negotiate?

burt wrote:
Fri Aug 09, 2019 5:16 pm
El Greco wrote:
Fri Aug 09, 2019 5:03 pm
I never thought I would say this but, I'm glad me and DW are going to be on Medicare soon. Our health system is a wreck.
+1
I am about 1 year away from Medicare.
Nervously waiting.
I agree. But some doctors are not in Medicare and the same situation could arise.
by Good Listener
Tue Aug 06, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: No 'Out of pocket' maximum - what does this mean?
Replies: 20
Views: 1937

Re: No 'Out of pocket' maximum - what does this mean?

It means that there is no cap on what you may have to pay out of pocket for your part (your co-insurance) in the event that you file a claim. For example, if you have a procedure of some sort that costs $100,000 and your co-insurance is 20% of the bill (usually after you reach your deductible) you'...
by Good Listener
Tue Aug 06, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Worth it to upgrade to Main Cabin Extra?
Replies: 76
Views: 4225

Re: Worth it to upgrade to Premium Economy?

I would never do anything that is basic economy.
by Good Listener
Tue Aug 06, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3170

Re: Medicare vs Eye Docs

Remember that with traditional Medicare, not Medicare Advantage, there is no prior approval. So it all depends on the code that the doctor would enter for billing for surgeries (or any other service) to go through and get paid.. Nobody reviews the claims like in Medicare Advantage or regular insuran...
by Good Listener
Mon Aug 05, 2019 7:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 84
Views: 9837

Re: VG pop-up: “Your Account Needs to be Transitioned”

I'm putting it off as long a possible for several reasons: *The brokerage account doesn't allow us to automatically invest dividends from one fund to another like we currently do in the Mutual Fund accounts. In the brokerage account, dividends would have to be deposited into the cash account first,...
by Good Listener
Mon Aug 05, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3170

Re: Medicare vs Eye Docs

I'm an ophthalmologist. BH does frown on dispensing medical advise here, FYI. I will say simply that an optometrist is qualified to fit you for glasses or contact lenses. For medical or surgical eye issues, including blepharoplasty surgery for droopy lids, see an ophthalmologist. An optometrist is ...
by Good Listener
Sun Aug 04, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3170

Re: Medicare vs Eye Docs

I am in MD but not in the eye field. Despite that, I have a optometrist that I love. Medicare covers all services by an optometrist except for refraction. So they cover things if you have medical diagnosis which almost every old person has. Your diagnosis would not be a problem and would not be hand...
by Good Listener
Sat Aug 03, 2019 8:09 pm
Forum: Personal Investments
Topic: buying pension credits decision
Replies: 19
Views: 1187

Re: buying pension credits decision

I cannot answer your question but I can suggest that you ask the question why would they be selling these pension credits? Maybe they need the money.
by Good Listener
Fri Aug 02, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Long Island NY housing
Replies: 55
Views: 4679

Re: Long Island NY housing

I would tread with caution. Prices are extremely high and taxes are unbelievably high. There is increasing crime in Long Island and although not yet in Great Neck for example, it is in Hempstead. Just do a search of crime and gangs in Hempstead Long Island. I won't say anymore.
by Good Listener
Fri Aug 02, 2019 7:56 pm
Forum: Personal Investments
Topic: Does it bug anyone else that Vanguard only has money market for cash?
Replies: 101
Views: 8987

Re: Does it bug anyone else that Vanguard only has money market for cash?

I think it's the law that certain types of money market funds with government securities be settlement accounts.
by Good Listener
Thu Aug 01, 2019 7:32 pm
Forum: Personal Investments
Topic: Vanguard Frustrations - No Free Trades/Matching Offers
Replies: 75
Views: 4143

Re: Vanguard Frustrations - No Free Trades/Matching Offers

If you had 50 stocks/ETFs you had to sell at $7/trade that's a one-time cost $350. WF charges a 25 basis point advisory fee. If you had $470k with WF you were paying them $1175 a year or $98/month. If you are going to be upset over $350 you are going to be really upset once you calculate how much i...
by Good Listener
Wed Jul 31, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 28930

Re: Social Security -- Take it at 62, 67 or 70

I think one thing that matters is how much Social Security actually contributes to your situation. Many bogleheads don't need or care about social security so they take it late. For those who do need it, if you die at 70 and you got through to 70 and haven't received anything, well so be it. But if ...
by Good Listener
Tue Jul 30, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 157
Views: 10450

Re: Ethics of "bonus payback" when quitting a job

I think I would retitle the subject line. This is not an ethical question as it is obvious what is ethical. It is basically a legal question. I would pay it back myself as I signed a contract and said I would.
by Good Listener
Tue Jul 30, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: What to look for when buying vacant land?
Replies: 10
Views: 1511

Re: What to look for when buying vacant land?

In all seriousness, if you don't know the answer to your question I really wonder whether you should be buying vacant land and planning commercial properties. Why don't you just buy the three fund portfolio and save yourself headaches.
by Good Listener
Mon Jul 29, 2019 7:17 pm
Forum: Personal Investments
Topic: Switch to munis?
Replies: 23
Views: 2571

Re: Switch to munis?

A major complication to many of the proposed soutions is that for many people who have very high income, the taxable portion is much larger than the deferred or tax-free portions, so that stocks have to go into the taxable account.
by Good Listener
Sun Jul 28, 2019 7:44 pm
Forum: Personal Investments
Topic: Finally wrote our Investment Policy Statement - please critique
Replies: 27
Views: 2117

Re: Finally wrote our Investment Policy Statement - please critique

Are you really predicting what your asset allocation will be in 2035? These very long statements usually are for the writer and nobody else and then change as soon as he/shegets punched in the mouth as Mike Tyson would say. Just saying. Why do I say this.lets say in 20 yeRs interest rates are 20% an...
by Good Listener
Fri Jul 26, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap, Medicare Advantage Quotes
Replies: 9
Views: 699

Re: Medigap, Medicare Advantage Quotes

Don't get Medicare advantage. It has networks. If I get cancer I want to go to Sloan Kettering.
by Good Listener
Tue Jul 23, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dogs and homeowners insurance company
Replies: 86
Views: 5567

Re: Dogs and homeowners insurance company

Forget insurance. Although this is none of my business, an animal is an animal and occasionally reverts to its instincts. I would be very wary of lettingdogs of this breed to be with grandchildren. A child could do something to dpook a dog. If God forbid something happened. I cannot even imagine.
by Good Listener
Sat Jul 20, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 44
Views: 3695

Re: The exact month to begin receiving Social Security benefits for the maximum.

I think this is the DRC thread you are referencing. https://www.bogleheads.org/forum/viewtopic.php?t=275588 I had no idea about this, sounds like a mess :shock: Yup, that's the one. Thanks for hauling it up. :D Yes, most people don't know about this little hidden secret of DRC's if you file before ...
by Good Listener
Tue Jul 16, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 44
Views: 3695

Re: The exact month to begin receiving Social Security benefits for the maximum.

I don't care about the date of the payment, just the month. To be clear, my birthday is November 24th. Do I file to begin benefits for November 1 or December 1 for absolute maximum benefits
by Good Listener
Sun Jul 14, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: The exact month to begin receiving Social Security benefits for the maximum.
Replies: 44
Views: 3695

The exact month to begin receiving Social Security benefits for the maximum.

This is a somewhat obsessive question but in a few years I will be starting Social Security when I hit 70. It is not clear to me exactly when maximum benefits are achieved. So if I turn 70 in the month of November, when do I when do I ask to start Social Security benefits when I file, in November or...
by Good Listener
Fri Jul 05, 2019 8:00 pm
Forum: Personal Investments
Topic: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?
Replies: 111
Views: 7628

Re: Invest $2-3M now and how? Index vs self made stock portfolio? How's my Portfolio?

Why would we argue with somebody coming to the site at bogleheads and saying he's going to get rid of the underperforming stocks and question that. I think o p should do whatever he wishes and then compare it to the index and let us know in five years. And he can tell us how the underperforming stoc...
by Good Listener
Fri Jul 05, 2019 7:55 pm
Forum: Personal Investments
Topic: With a Pension should I start Roth versions of my Employer retirement accounts
Replies: 13
Views: 1048

Re: With a Pension should I start Roth versions of my Employer retirement accounts

I think all bets are off with State pensions as to what funding will be in a bunch of years. California may be among the worst at the current rate. Be very conservative in your projections. I would anticipate tax rates will go up significantly so I would pay whatever taxes I could now. Regardless of...
by Good Listener
Fri Jul 05, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 4055

Re: buying a 60 or 65 inch tv this weekend. which one?

I would recommend not cheaping out on an infrequent purchase. The Samsung 9 series with qled and 4K is unbelievable. And there's no way you'll be keeping this TV for 15 years. Technology is changing too much. Unless you can't afford it, spend the 1600 or so and get the 65 inch 4k qled.
by Good Listener
Fri May 24, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to buy Part D if you are subject to IRMAA?
Replies: 43
Views: 2686

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

Yes it makes sense. I pay maximum IRMA and I assume if you are subject to IRMAA you can afford it. To wait until "you need it" is opposite the concept of insurance. I wouldn't save nickels to risk dollars.
by Good Listener
Wed Apr 17, 2019 2:34 pm
Forum: Personal Investments
Topic: Dividend Generating Portfolio for Retirement
Replies: 8
Views: 1272

Re: Dividend Generating Portfolio for Retirement

We have to wait and see what happens. I am 60/40 with most in taxable and use the Total stock market index for stocks (international in Ira/Roth) and municipal bond fund exclusively. I am very concerned too about what I am hearing and dont think we should make a change yet. However the loss of prefe...
by Good Listener
Mon Apr 15, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a no brainier to donate appreciated shares to a charity?
Replies: 13
Views: 1575

Is it a no brainier to donate appreciated shares to a charity?

I have received help on a separate thread about procedural aspects of gifting shares. This is a different question and applies whether I use a donor-advised fund or a direct gift of shares from my vanguard mutual fund account to a charity. I have a Vanguard money market fund and a stock fund (TSM) w...
by Good Listener
Mon Apr 15, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 1054

Re: Gifting mutual fund shares to a charity from Vanguard

OP, good on you for wanting to do good and make good at the same time! I was in exactly the same boat in 2017. I hadn't yet set up a DAF, and while the DAF-related posts above are correct and well-intended, perhaps you're not there yet and don't have the time/energy to get educated about DAF set-up...
by Good Listener
Sat Apr 13, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 1054

Re: Gifting mutual fund shares to a charity from Vanguard

Thank you for the responses so far. To the questions for me: yes, it is not for 2018. If it seems urgent, it's only because my personality is such that when I want to try to get an answer I usually like to get it right away. As far as using the donor advised fund, I actually am going to do that but ...
by Good Listener
Sat Apr 13, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Gifting mutual fund shares to a charity from Vanguard
Replies: 12
Views: 1054

Gifting mutual fund shares to a charity from Vanguard

All of their offices are closed over the weekend and I am trying to figure out something. (I will call them Monday but I'm hoping to get a head start on this information?) I am going to donate shares to a charity using appreciated shares in my total stock market index fund. It looks like one needs t...
by Good Listener
Thu Apr 04, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Best friend in sticky situation with Medicare Part B.
Replies: 7
Views: 1403

Best friend in sticky situation with Medicare Part B.

My best friend of 60 years is 67. He signed up for Medicare Part A at age 65 and deferred Part B because he was still working and had excellent insurance from his state job. He recently retired and the state coverage ended at the end of March 2019. (It is now April 4, 2019) There is a process whereb...
by Good Listener
Sun Feb 17, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167383

Re: Personal favorite TV/cable series

I just started binging Banshee from Cinemax. I've binged most of the other known famous ones over the last 2 years since retiring. Banshee is very brutal in some parts and has a bit too much sex for my taste. But if you like MMA type fighting (although it is not actual fighting in the ring but ofte...
by Good Listener
Fri Feb 15, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167383

Re: Personal favorite TV/cable series

I just started binging Banshee from Cinemax. I've binged most of the other known famous ones over the last 2 years since retiring. Banshee is very brutal in some parts and has a bit too much sex for my taste. But if you like MMA type fighting (although it is not actual fighting in the ring but often...
by Good Listener
Sun Feb 10, 2019 3:38 pm
Forum: Personal Investments
Topic: Leaving Advisor - Ethics Question? [Resolved]
Replies: 50
Views: 3119

Re: Leaving Advisor - Ethics Question?

I am disappointed that Steve would do this. He is taking up the advisor's time and benefitting from his/her advice when he fully intends to leave the advisor. I think it is unethical at the least. But he has to sleep with his actions and maybe he is comfortable doing things like this.
by Good Listener
Sun Feb 10, 2019 3:38 pm
Forum: Personal Investments
Topic: Leaving Advisor - Ethics Question? [Resolved]
Replies: 50
Views: 3119

Re: Leaving Advisor - Ethics Question?

I am disappointed that Steve would do this. He is taking up the advisor's time and benefitting from his/her advice when he fully intends to leave the advisor. I think it is unethical at the least. But he has to sleep with his actions and maybe he is comfortable doing things like this.
by Good Listener
Sun Feb 10, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3953

Re: Is General Practitioner [billing Medicare correctly?]

the doctor did OP afavor. The Medicare wellness visit is extremely limited and really does not involve any physical exam except blood pressure, so by adding a diagnostic code for the other symptom then Medicare covers that. Otherwise your doctor could not discuss anything. I have no idea what co-pa...
by Good Listener
Wed Feb 06, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3953

Re: Is General Practitioner [billing Medicare correctly?]

the doctor did OP afavor. The Medicare wellness visit is extremely limited and really does not involve any physical exam except blood pressure, so by adding a diagnostic code for the other symptom then Medicare covers that. Otherwise your doctor could not discuss anything. I have no idea what co-pay...
by Good Listener
Sun Jan 20, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: Actionable information in order to invest in physical gold
Replies: 25
Views: 1499

Re: Actionable information in order to invest in physical gold

OP. I wouldn't waste your time. Meaning, let's assume the crazy and that gold goes up 10 x in value in 20 years. The effect on your portfolio with a 1% allocation is a max of 1% assuming nothing else grew at all. The spreads buying and selling will come into play under more likely scenarios. To have...
by Good Listener
Sun Jan 20, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 8596

Re: Should I buy a house in the Bay area or give up?

A young guy (I am making an assumption) should not buy a house when single. If you pair up you may need a larger house especially if kids are planned. And at the salary level you have (great everywhere except San Francisco, NYC, Boston) you cannot possibly afford an 800k house. Just rent until you ...