Search found 286 matches

by khh
Wed Oct 16, 2019 4:05 am
Forum: Investing - Theory, News & General
Topic: How often do you look at your IRA or 401K Balances
Replies: 67
Views: 4182

Re: How often do you look at your IRA or 401K Balances

I check all my accounts daily just to be sure no mischief has taken place.
by khh
Thu Oct 10, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Phone call from First Data re possible debit card fraud
Replies: 7
Views: 677

Phone call from First Data re possible debit card fraud

I got a call from First Data wanting to confirm activity in my Fidelity Cash Management account. She asked if I was Mr. ____, which I confirmed, then listed a few payments I made and asked if they were legitimate, which I also confirmed. She didn't ask for any other personal information. I began to ...
by khh
Thu Oct 10, 2019 3:51 am
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 61
Views: 4761

Re: Artificial Intelligence and the stock market

I think one thing that must of us lack here is a "feel" for the power of AI. Artificial Intelligence is some abstraction, but mentioning as the latest technological craze doesn't give one a good intuition of how much power there is. This is a great video for those of you who play chess. https://www...
by khh
Sun Oct 06, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4499

Re: Would or should you tip AAA road assistance?

SquawkIdent wrote:
Thu Oct 03, 2019 2:48 pm
Is it just me or has this tipping thing gotten out of hand?
Not just you. I had a garage door installed and a load of junk hauled away a year or so ago. When I paid the bills, their screens required that I press either "TIP" (then fill in the amount) or "NO TIP". I was a little put off by it.
by khh
Fri Sep 27, 2019 9:46 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 9216

Re: Merrill Lynch Advisor wants to meet for coffee

Two or three times a year, I get a message on my answering machine from someone at my local Chase branch saying they want to "touch bases" with me. My guess is they want to discuss their private client banking program. I never return the calls.
by khh
Tue Sep 24, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D IRMAA premiums and deduction from Social Security
Replies: 13
Views: 1012

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

I had to take steps to have Part D premiums deducted from SS. Can't recall if I did this through SS or through the Plan D provider, but I do remember it wasn't automatic.
by khh
Wed Sep 11, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 8709

Re: How old is your cellphone?

T-Mobile flip phone over 15 years old. The sim card in that phone came from a mid-90s Nokia.
by khh
Tue Sep 10, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Oy vey [Lessons learned - Market orders, freezing your credit report]
Replies: 14
Views: 2250

Re: Oy vey

Headache 3. You can't create a mySocialSecurity account if your Equifax report is frozen or if it has an alert. Lesson learned: Create your mySocialSecurity account before freezing your Equifax report or adding an alert. Is there any security to be gained by creating an online SS account , rather t...
by khh
Fri Sep 06, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 7099

Re: Mensa membership

I don't need Mensa, since I've been told many times I'm a genius. As in, "Way to go, genius."
by khh
Sun Aug 25, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: When to have an Umbrella insurance policy
Replies: 39
Views: 4317

Re: When to have an Umbrella insurance policy

Does your liability for your teenagers end when they turn 18?
by khh
Wed Aug 21, 2019 9:18 pm
Forum: Personal Investments
Topic: $1M cash: how to invest
Replies: 40
Views: 3591

Re: $1M cash: how to invest

Would the Vanguard Tax-Managed Balanced Fund (VTMFX) be a good choice?
by khh
Mon Aug 19, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Applying for Medicare
Replies: 9
Views: 824

Re: Real Life Experience. Applying for Medicare

3rd year on Cigna Plan G, currently $115/mo. No premium increase after year 1, 3% increase after year 2. So far, so good.
by khh
Wed Aug 14, 2019 12:56 am
Forum: Personal Investments
Topic: E. Jones/Vanguard and now Fisher Investments
Replies: 44
Views: 7920

Re: E. Jones/Vanguard and now Fisher Investments

I feel for the OP. EJ has high yearly costs and investments scattered among 64 funds. If he’s owned them a long time then there will be serious tax consequences to simplifying the portfolio with Vanguard. I would stay clear of Fisher, move to Vanguard, and make it a five year project to slowly simp...
by khh
Mon Aug 12, 2019 1:43 am
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10478

Re: Healthy fast food

What's a road trip across this wonderful country without the occasional over-indulgence? Are you going to opt for pretzels and carrots over that roadside stand selling pecan pie? And what about all those microbreweries? Or coffee and a sundae at McDonald's? I have no guilt when I'm on the road, bec...
by khh
Tue Aug 06, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan Advice
Replies: 15
Views: 1012

Re: Medigap Plan Advice

Year 3 of Plan G. Premiums have increased by a total of 3% since I signed up.
by khh
Wed Jul 31, 2019 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 300/500 car policy truly enough?
Replies: 54
Views: 4983

Re: Is a 300/500 car policy truly enough?

I was able to get a $2M umbrella policy with a phone call to my agent. She said I would need underwriting for more than that. Limits and underwriting requirements for umbrella coverage seem to vary quite a bit among insurers. If you need a higher amount and find your current company wants financial...
by khh
Wed Jul 31, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 300/500 car policy truly enough?
Replies: 54
Views: 4983

Re: Is a 300/500 car policy truly enough?

I was able to get a $2M umbrella policy with a phone call to my agent. She said I would need underwriting for more than that.
by khh
Mon Jul 15, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 199
Views: 9463

Re: Medigap vs Advantage: Which did you select?

According to the insurance company representative in a Medicare information session, a medical underwriting is required only when going from a better coverage plan to a lower level one, e.g., MA to Medigap, or Medigap G to F plans. Did you mean to say that medical underwriting is required only when...
by khh
Wed Jul 10, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9505

Re: Who cuts your hair? And for how much?

Great clips, $15 + $5 tip. "Buzz me with a number 5."
by khh
Fri Jun 07, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Highly appreciated whiskies
Replies: 34
Views: 3614

Re: Highly appreciated whiskies

Check your state laws to be sure you can sell it.

Man Arrested in Pennsylvania for Selling Bottle of Whiskey Secondhand

http://www.drinksreform.org/blog-1/2017 ... secondhand
by khh
Tue May 28, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 14938

Re: No more print Money magazine

nisiprius wrote:
Sun May 26, 2019 5:01 am
Rats. Now I'll have to read "Highlights for Children" in the dentist's waiting room.
Goofus invests in high expense funds and tries to time the market.

Gallant invests in low expense index funds at regular intervals.

:D
by khh
Wed May 22, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2553

Re: Inexpensive way to gain weight

A broad index of high calorie foods rather than sector eating.
by khh
Wed May 15, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank called my business manager
Replies: 49
Views: 5502

Re: Bank called my business manager

I paid $5,300 with a personal check for central air installation a couple of weeks ago. The guy took a picture of the check with his phone, wrote "Mobile Deposit" on it, then handed it back. When I went online a few minutes later, the funds had already been withdrawn from my bank account.
by khh
Wed May 01, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Letter 5071C (ID verify)
Replies: 7
Views: 1314

Re: IRS Letter 5071C (ID verify)

I just got my ID verification approved by phone. I was put on hold for 10 minutes and the conversation itself was about 5 minutes or so. Asked for name, address, DOB, SSN, Mom and Dad's full names, amount of the refund expected and amount on a W-2 from 2017. All in all, it was quick and painless.
by khh
Tue Apr 30, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Letter 5071C (ID verify)
Replies: 7
Views: 1314

Re: IRS Letter 5071C (ID verify)

Well that was interesting. My tax return refund status "disappeared" from the IRS's where's my refund web site a couple weeks ago and today I got an IRS letter indicating I needed to verify my identity to continue the refund process. After quite a convoluted process on the idverify IRS web site inv...
by khh
Wed Apr 24, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Central A/C Question
Replies: 6
Views: 963

Re: Central A/C Question

If you're in the Midwest, you won't need central air this summer. How can I be so sure? I just had central air installed in my home, so it guarantees a cool summer. :beer
by khh
Wed Apr 24, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 35
Views: 3697

Re: Teeth Whitening

Crest White Strips Supreme is the best whitener I've found. Crest makes several White Strips, but the Supreme is the strongest.
by khh
Fri Apr 12, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 53
Views: 7286

Re: Best online banking accounts?

In my opinion, the best option is a Fidelity CMA account, though it's not a bona fide checking account, rather a brokerage account with checking features. Here's why I think it's the best: [snip] Seconding Fidelity CMA. In addition, I find their website very responsive and easy to use. Certainly be...
by khh
Fri Mar 01, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Retirement in Switzerland
Replies: 53
Views: 5142

Re: Retirement in Switzerland

Jimmie wrote:
Thu Feb 28, 2019 7:34 pm
Their flag is a big plus.
:mrgreen:
by khh
Fri Feb 22, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 8030

Re: Favorite youtube channels?

Hours and hours of old cartoons and classic TV => https://www.youtube.com/channel/UCRL3LmQvt3G0d5UFnLPUKNA "The Official 8thManDVD.com® Cartoon Channel features newly remastered & restored copyrighted cartoons, classic TV and movies such as: Looney Tunes (Looney Toons), Bugs Bunny, Daffy Duck, Porky...
by khh
Thu Feb 21, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Do you tip the guys at Home Depot?
Replies: 80
Views: 5462

Re: Do you tip the guys at Home Depot?

As I posted on a thread last year, I had a garage door installed and a load of junk hauled away. When I paid the bills, their screens required that I press either "TIP" (then fill in the amount) or "NO TIP".
by khh
Wed Feb 20, 2019 12:50 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 205
Views: 13084

Re: Do others dislike Vanguard's new website as much as me?

I give Fidelity an "A" for its website. Vanguard and Chase get a B-.
by khh
Tue Feb 19, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do Non Boglehead Type People Know Their Net Worth?
Replies: 17
Views: 1158

Re: Do Non Boglehead Type People Know Their Net Worth?

nick evets wrote:
Tue Feb 19, 2019 5:14 pm
Now, if you think they're intrinsically less honest, or more likely to fudge the numbers, than anonymous strangers on an internet forum....
I had similar thoughts when I made the 3 comma club...
by khh
Tue Feb 19, 2019 12:34 am
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11855

Re: Wife filled our gas engine car with diesel fuel

Just be glad it wasn't a Tesla.
by khh
Sun Feb 10, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 4138

Re: Passport Photos ?

Got mine at a Fedex store. I would guess UPS does this as well.
by khh
Sat Feb 09, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 1954

Re: Would you eat lab grown meat?

If they grow bacon, do we get to count it as a vegetable?
by khh
Wed Feb 06, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 85
Views: 5960

Re: What Tech Gadget Would you Buy?

A DVD rewinder.
by khh
Sun Feb 03, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Opening New CC for Federal Income Tax Bill
Replies: 31
Views: 2706

Re: Opening New CC for Federal Income Tax Bill

Does anyone know if the fees paid to the processor are tax deductible? I noticed this on the IRS website: Fees and Information Your payment will be processed by a payment processor who will charge a processing fee. The fees vary by service provider and may be tax deductible. thanks What about using...
by khh
Fri Feb 01, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is Long Term Care Insurance worth it?
Replies: 318
Views: 13888

Re: Is Long Term Care Insurance worth it?

Not sure if this is what you're looking for, but I thought it might be helpful =>

Medicare Home Healthcare Long Term Care – Home Healthcare For Long Term Patients

https://www.youtube.com/watch?v=ytjwYK8-KAs
by khh
Sun Jan 27, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 5402

Re: Will Medigap plan F become a 'death spiral'?

I have no quantitative basis for this, but I believe this large disproportion to Plan F would keep premium increases at a rate similar to Plan G and N for at least another decade or so. But this is purely a guess on my part. I could see a double whammy. In addition to the pool in Plan F getting old...
by khh
Sun Jan 27, 2019 2:04 am
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 5039

Re: What was your first Vanguard fund or ETF?

Vanguard S&P 500 Index ca 1983.
by khh
Sat Jan 26, 2019 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 5402

Re: Will Medigap plan F become a 'death spiral'?

I believe that's a real possibility. No doubt all plan premiums will increase as time goes by but I believe Plan F will increase more percentage-wise each year as time goes by. I have had Plan F for years and I have just now switched to plan G. It lowered my monthly premium by $150 a month going fr...
by khh
Tue Jan 15, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 196
Views: 21862

Re: What I spent in 6 months on medicare

Plan G - $115/month
Part D - $27/month
IRMAA - Medic!
by khh
Sun Jan 13, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 153
Views: 14340

Re: Shingrix [Vaccine availability]

FWIW, Got my 2nd shot today at local Acme Pharmacy. I was on the list and they called me to let me know they had some in stock. 1st shot was in August. Glad to hear it. I got #1 in early August, #2 in late November. Spent the night shivering under wool blankets after second shot, but felt better th...
by khh
Sat Jan 12, 2019 2:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard explains the increase in ex-us allocation
Replies: 34
Views: 4956

Re: Vanguard explains the increase in ex-us allocation

I can confirm Tim said this (I watched the interview as well). He was referencing how over time the international portion of funds (like target date, lifestrategy, etc) has moved from 20% to 30% and now 40%. This has coincided with the lowering of costs to invest internationally. I would think some...
by khh
Tue Dec 18, 2018 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Real experiences of someone who did not have Medigap policy?
Replies: 21
Views: 2405

Re: Real experiences of someone who did not have Medigap policy?

Some "experimental or disallowed treatments" costs $50K or $100K and no insurance or Medicare will cover it. So the person getting the treatment cashes in his/her retirement fund or sells the house or takes out a big loan....... Can you get private insurance policies that do cover such treatments?