Search found 514 matches

by 4nwestsaylng
Sun Jan 12, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: drop Part B Medicare and use FEHB instead?
Replies: 13
Views: 1393

Re: drop Part B Medicare and use FEHB instead?

We are not subjected to IRMAA, one advantage to modest income :happy , but we did seriously consider not going with Part B. Even as a modest income household it was borderline on going with Part B. There are some FEHB policies that come with reduced premiums and an HRA from 900-1200 per person, but...
by 4nwestsaylng
Sun Jan 12, 2020 12:50 am
Forum: Personal Finance (Not Investing)
Topic: drop Part B Medicare and use FEHB instead?
Replies: 13
Views: 1393

Re: drop Part B Medicare and use FEHB instead?

I reviewed the fehb coverage for a FEHB plan "standard option" which I currently have as secondary to Part B. If I drop Part B, the FEHB still pays for copays and deductibles on any Medicare Part A (hospital expenses), and pays 80% of the allowable Medicare fee for Part B, and has a maximum "out of ...
by 4nwestsaylng
Mon Jan 06, 2020 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: drop Part B Medicare and use FEHB instead?
Replies: 13
Views: 1393

Re: drop Part B Medicare and use FEHB instead?

Not a federal employee or federal retiree. A longtime friend is a federal retiree, who has a wife (dependent). Both are Medicare eligible. He researches just about everything to the nth degree. He told me that, for his situation - with a dependent wife - they chose to NOT enroll in and pay Part B p...
by 4nwestsaylng
Mon Jan 06, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: Exercise machine for a small apartment
Replies: 56
Views: 3274

Re: Exercise machine for a small apartment

Consider a mid-90's Made in USA Nordictrack Achiever cross country skiier. Gives a leg and arm workout, folds up and stores vertically, simply made. Look on eBay for a reseller who has a reputation for rebuilding these units, you want one in new condition with new rollers,etc.. Can probably buy one ...
by 4nwestsaylng
Mon Jan 06, 2020 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: drop Part B Medicare and use FEHB instead?
Replies: 13
Views: 1393

drop Part B Medicare and use FEHB instead?

My federal health insurance plan is currently secondary to Medicare Part B, which I signed up for last year. Now that I am receiving SS and my first RMD, I am already bumped up into the second tier of IRMAA rates on Part B, ie my rates have doubled from $144 single to $288 monthly. But now I am cons...
by 4nwestsaylng
Wed Jul 03, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: Keep garage 'cooler' during summer
Replies: 31
Views: 4014

Re: Keep garage 'cooler' during summer

Does anyone have personal recommendations on how to release all this summer heat from our garage during the summer? It faces west and surely transfers substantial heat to our interior since there is little to no ventilation. Do people install fans in their garage to mitigate? When I lived in Phoeni...
by 4nwestsaylng
Wed Jul 03, 2019 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Big Hospital Bill - Any way to negotiate ?
Replies: 130
Views: 9284

Re: Big Hospital Bill - Anyway to negociate ?

Update: I've called the Hospital and the Billing Dept said they will not lower my bill (as it is already insurance contracted rates) but will be happy to set up a payment plan for 12 months interest free. It can be even extended to 18 months. If I don't pay in 4 months, then my bill will be forward...
by 4nwestsaylng
Sun Jun 30, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Re Buying a higher miles but higher end used vehicle... where?
Replies: 19
Views: 2627

Re: Re Buying a higher miles but higher end used vehicle... where?

I have a mid-90s W140 Mercedes 500SEL. Some have called the design the "pre-Maybach". It is built like a tank,has amazing acceleration for such a heavy vehicle. Vacuum door closure, double pane thick windows, etc.. However, as alfaspyder noted, some of the over engineering fails over time and is too...
by 4nwestsaylng
Thu Jun 27, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Re Buying a higher miles but higher end used vehicle... where?
Replies: 19
Views: 2627

Re: Re Buying a higher miles but higher end used vehicle... where?

Finally, keep in mind that at old high-end vehicle isn't always that great compared to newer vehicles. In my opinion, a new Camry is going to be a much nicer car than a 10 year old Lexus- especially as cars have more and more electronic features. Personally, I think the place where older used vehic...
by 4nwestsaylng
Wed Jun 26, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4797

Re: Favorite mountain lodge destinations in the west?

The "days drive from Portland" is really restricting you. How about flying Portland to Bellingham, rent a car and drive to Whistler, stay at the Fairmont Chateau Whistler? Beautiful drive. Stop at Horseshoe Bay on the way and have a bowl of chowder or fish and chips, then from there the scenic driv...
by 4nwestsaylng
Tue Jun 25, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4797

Re: Favorite mountain lodge destinations in the west?

The "days drive from Portland" is really restricting you. How about flying Portland to Bellingham, rent a car and drive to Whistler, stay at the Fairmont Chateau Whistler? Beautiful drive. Stop at Horseshoe Bay on the way and have a bowl of chowder or fish and chips, then from there the scenic drive...
by 4nwestsaylng
Tue Jun 25, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7718

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

Vancouver is not a bad place, if you can handle the winters, but the job market there is not nearly as large or diverse as either Orange County or Atlanta. There are places in Southern California that are within “Sunday visit” range of Orange County, that are much less expensive than Orange County....
by 4nwestsaylng
Mon Jun 24, 2019 11:10 pm
Forum: Personal Investments
Topic: Best place for temp cash in Fidelity HSA?
Replies: 11
Views: 1354

Re: Best place for temp cash in Fidelity HSA?

I found that the other MM alternatives had high minimums or were institutional, so I split 50/50 the funds between Fidelity Investment grade bond fund and Fidelity Zero TSM. I can leave the 50% in TSM alone and yet still have liquidity if I need funds for medical expenses in a down market.
by 4nwestsaylng
Mon Jun 24, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 58
Views: 13445

Re: Harry Bosch: the Amazon Series vs the novels

The series just keeps getting better. I thought the actress playing Bosch's daughter has really blossomed with personality traits and detective instincts similar to Harry. Season 5 was over before I knew it and I had a few days left on my Amazon Prime free trial, so I tried "Jack Ryan". Pretty disap...
by 4nwestsaylng
Mon Jun 17, 2019 4:55 pm
Forum: Personal Investments
Topic: Best place for temp cash in Fidelity HSA?
Replies: 11
Views: 1354

Best place for temp cash in Fidelity HSA?

I have some cash parked in a Fidelity MMF,the ER is 0.42%,yield is about 1%. It seems the lower cost Fidelity MMFs require high balances at least over 100k. Most of my balance is in total stock market (FZROX) or a bond fund,but I would like a better place for short term cash. Should just buy 3 month...
by 4nwestsaylng
Fri Jun 14, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 16096

Re: I'm thinking about buying a supercar anyone here done this and feedback?

The problem with all this "supercar" stuff is that you draw attention on the roads. You become a potential target for hijackers or a drive-by. You might be followed home and not know it. I was once followed by a young guy in a "rice burner" who was changing lanes a lot. I didn't realize it at first ...
by 4nwestsaylng
Fri Jun 14, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 11371

Re: Walking Cities, potential for retirees

I live in the PV mall area of Phoenix. Everything in the city is close. It is not exactly walkable in the classic case but very convenient. We are maybe 3 blocks from three grocery stores and about 30 restaurants in one direction. Then we are 5 blocks in the other direction from a big clothing mall...
by 4nwestsaylng
Thu Jun 13, 2019 9:53 pm
Forum: Personal Investments
Topic: HSA to Fidelity, now where to park the funds?
Replies: 19
Views: 3081

Re: HSA to Fidelity, now where to park the funds?

Right, the transfer is a rollover.
by 4nwestsaylng
Thu Jun 13, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: US Citizen Retiring in Ireland
Replies: 30
Views: 4084

Re: US Citizen Retiring in Ireland

Just something to think about regarding long term residency ... It's fine to plan to be in the US for the required number of days to keep residency here, and spend the rest of the time elsewhere (or vice versa with the other country as primary residency). But this may become complicated if/when one...
by 4nwestsaylng
Wed May 01, 2019 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Chiropracter career no longer lucrative...what other job options are there?
Replies: 41
Views: 5767

Re: Chiropracter career no longer lucrative...what other job options are there?

You might consider opportunities, the Public Health Service, VA or military. Very good benefits and salary, and TSP (401k). At your age,I would get into government. Might even get some help on the student loans as a condition of hiring. I just looked on USAjobs.com, and found two Chiropractor oppor...
by 4nwestsaylng
Wed May 01, 2019 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Chiropracter career no longer lucrative...what other job options are there?
Replies: 41
Views: 5767

Re: Chiropracter career no longer lucrative...what other job options are there?

You might consider opportunities, the Public Health Service, VA or military. Very good benefits and salary, and TSP (401k). At your age,I would get into government. Might even get some help on the student loans as a condition of hiring.
by 4nwestsaylng
Wed May 01, 2019 12:00 am
Forum: Personal Consumer Issues
Topic: Best electric cordless lawn mower for medium sized yard?
Replies: 40
Views: 3106

Re: Best electric cordless lawn mower for medium sized yard?

I bought the 80V Kobalt self propelled unit last Fall on clearance at Lowes. It is working very well, and I definitely t hink the self propelled is worth it, otherwise it is a fairly heavy mower to push. I was glad to get rid of my 4 hp gas mower when it wouldn't start, I did not want to pay for mor...
by 4nwestsaylng
Fri Apr 19, 2019 6:12 pm
Forum: Investing - Theory, News & General
Topic: VHT / XBI / XLV holders (healthcare)
Replies: 27
Views: 2349

Re: Vanguard Health Care ETF

Cuba has "health care for all", whatever that means. :off topic: Cuba’s doctors/nurses/health care industry is actually very highly regarded in the Latin American countries. Wealthier patients from Venezuela, Argentina used to travel there, for advanced health care; probably still do. If not for Am...
by 4nwestsaylng
Sat Apr 13, 2019 11:57 pm
Forum: Personal Investments
Topic: ORP says I should stop all pre-tax contribs
Replies: 75
Views: 6899

Re: ORP says I should stop all pre-tax contribs

I have to figure out whether to do any more Roth conversions.As single person,I got one in last year before turning 70, Maybe, but probably not. This is why it is so important to run I-ORP while still in your 50s. You need time to make Roth conversions without raising your tax rate too much. From m...
by 4nwestsaylng
Sat Apr 13, 2019 10:39 am
Forum: Personal Investments
Topic: ORP says I should stop all pre-tax contribs
Replies: 75
Views: 6899

Re: ORP says I should stop all pre-tax contribs

Would appreciate a reference site for this,I don’t know what i-ORP is,but I have to figure out whether to do any more Roth conversions.As single person,I got one in last year before turning 70,it was first retirement year,so had only FERS annuity of $20k,no SS,$25k other income,so did a $75k convers...
by 4nwestsaylng
Fri Apr 12, 2019 9:36 am
Forum: Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 149
Views: 18745

Re: "Never time the market" vs. lump sum investment

Because what investors need to hear when they ask this question (which they do almost every day on this board) is not advice about allocation instead of DCA/lump sum: they need the complete answer. Which, it seems, we agree is something like the following. "Using DCA on a windfall instead on invest...
by 4nwestsaylng
Thu Apr 11, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2828
Views: 1854721

Re: The Three-Fund Portfolio

Thanks for your thoughts. I have no argument for the majority of BHs who hold the Vanguard TSM, I hold it as VTI, but I would prefer to hold a lower percent of tech and finance than the TSM, more like 12% technology, 5% financial,13% health care,with the rest among the other SP500 sectors, without h...
by 4nwestsaylng
Thu Apr 11, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 3911

Re: Buying a bed

I prefer a quality coil spring bed. Tried the Costco mattresses, they were too firm and returned them. I bought a saatva coil-in-coil full mattress, it was more expensive (about $930),but it is more like a high-end hotel mattress. Bought it online at www.saatva.com,they are made to order so there is...
by 4nwestsaylng
Wed Apr 10, 2019 9:22 pm
Forum: Personal Investments
Topic: Resident Doctor... trying to maximize income
Replies: 27
Views: 2826

Re: Resident Doctor... trying to maximize income

And marry well. With the 50% divorce rate, you’re more likely to lose 50% of your net worth in a divorce than in a market downturn. Very important. Have seen people marry in med school or residency, then after a few years of practice a divorce, then another ten-twenty years and the next divorce. So...
by 4nwestsaylng
Wed Apr 10, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 4516

Re: Should you use a real estate agent when buying a house? What are your experiences?

I totally agree. What is so magic about a 6% commission on a house, no matter what its market value? There are clearly lobbyist-protected monopolistic aspects to the determination of this rate. Why is it not 5%, 8% or 10%? As a buyer I would probably avoid a listing agent, unless the agent I selecte...
by 4nwestsaylng
Tue Apr 09, 2019 2:53 pm
Forum: Personal Investments
Topic: Resident Doctor... trying to maximize income
Replies: 27
Views: 2826

Re: Resident Doctor... trying to maximize income

I recall a Medical Doctor that had a long running radio call in show - and a caller related his condition/symptoms and what his Doctor told him. The radio Doctor then cited different advice, based on medical journal studies/reports. He then told the called that the caller's doctor should read more ...
by 4nwestsaylng
Mon Apr 08, 2019 10:14 pm
Forum: Personal Investments
Topic: Resident Doctor... trying to maximize income
Replies: 27
Views: 2826

Re: Resident Doctor... trying to maximize income

I'm a resident physician finishing up my first year. I only recently learned about Vanguard and Bogleheads and all that jazz. I have an account with TD Ameritrade that I've been using and am struggling to figure out all this "low expense" passive investing stuff. Does anybody have any pointers on h...
by 4nwestsaylng
Sat Apr 06, 2019 9:16 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 330
Views: 25804

Re: Customer Service with Vanguard

By "with it" I mean that I don't have to explain the problem several times for it to be understood. As I stated, "YMMV", I don't doubt many on this forum have had great experiences with Vanguard, but this thread topic I believe is open to all experiences, not just a Vanguard "love-in".
by 4nwestsaylng
Sat Apr 06, 2019 4:51 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 330
Views: 25804

Re: Customer Service with Vanguard

I like the Vanguard funds and still primarily use them, but when it came time to simplify my accounts, I transferred my Vanguard accounts over to my Schwab accounts,precisely because over the years I just found the Schwab reps more intelligent and "with it" when I had questions. I never had a specif...
by 4nwestsaylng
Sat Apr 06, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: The high cost of sound financial advice
Replies: 45
Views: 5888

Re: The high cost of sound financial advice

When asking around, don't use the term "Fee Only." That term means what it means, not what you want it to mean. Use a term like "Advice only", "Hourly advice only", "One-time consultation only", "Planning only", or something else that conveys the concept that you do not intend to pay anyone to mana...
by 4nwestsaylng
Wed Apr 03, 2019 12:13 am
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 6425

Re: Boglehead Pilots...advice

I learned to fly in the 1970s. Even got an instrument rating. Great fun. 1. Get your medical first. 2. A 162 is fine for your private ticket. 3. Be honest with yourself about flying. I was a lousy pilot (the spirits saved my butt numerous times until I got the message and quit flying.) If you decid...
by 4nwestsaylng
Sun Mar 31, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: cost/benefit of a home elevator/escalator
Replies: 20
Views: 1210

Re: cost/benefit of a home elevator/escalator

Many homes are now built with this option as 123 stated. We will soon be searching for our retirement home, it will either have a mbr on the main floor, or an elevator, or a shaft space. I can see that if I were considering a 55+ community, such as a Del Webb or Trilogy, the home plans are one stor...
by 4nwestsaylng
Sun Mar 31, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: cost/benefit of a home elevator/escalator
Replies: 20
Views: 1210

Re: cost/benefit of a home elevator/escalator

I have a co-worker who helped his parents build a new two-story home. While there are no issues now as a contingency they provided for a future elevator by including two extra large closets on top of each other as well as a couple of special circuits for potential power. The extra cost of planning ...
by 4nwestsaylng
Sun Mar 31, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: cost/benefit of a home elevator/escalator
Replies: 20
Views: 1210

cost/benefit of a home elevator/escalator

While I don't need this now, I like my two story home. Down the street, a new three story house was built, and it included an elevator, alll the way from the garage level up to the top bedroom floor. The couple who bought it are in their 50's, but I can see that with the elevator, they may not have ...
by 4nwestsaylng
Fri Mar 29, 2019 2:50 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2828
Views: 1854721

Re: The Three-Fund Portfolio

Taylor, just wondering why the SP500 performance is very close to the total stock market,does it mean that over time, performance of small caps in the TSM is more volatile, and so TSM performance ends up being about the same as SP500?
by 4nwestsaylng
Fri Mar 29, 2019 2:28 pm
Forum: Personal Investments
Topic: Allocation for Those Late to the Party
Replies: 76
Views: 4057

Re: Allocation for Those Late to the Party

You should probably look at a series of Roth conversions over the next few years at current federal tax rates, which will sunset in 2025. Also look into a "backdoor Roth IRA". Other BHs are more versed in this than I am, but as I understand it you can contribute to an IRA, then transfer it to a Roth...
by 4nwestsaylng
Thu Mar 28, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Lifecare community - worth it?
Replies: 33
Views: 2526

Re: Lifecare community - worth it?

I once had to see a resident of a "memory care" section of one of the major "life care" communities in the Phoenix area. I will never forget going through the double doors of that section to a room crammed with dementia people, sitting in their wheelchairs, less than two feet from each other. They l...
by 4nwestsaylng
Thu Mar 28, 2019 9:45 pm
Forum: Investing - Theory, News & General
Topic: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest
Replies: 22
Views: 2482

Re: Submit questions for Allan Roth, my next "Bogleheads on Investing" podcast guest

Rick, I have just finished reading a short paperback by "tax free financial advisor" David Epstein, entitled "The Power of Zero". It goes into various strategies for people to minimize or "zero" their tax bill by the time of retirement by reallocating funds from their IRA and taxable funds to their ...
by 4nwestsaylng
Thu Mar 28, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Lifecare community - worth it?
Replies: 33
Views: 2526

Re: Lifecare community - worth it?

Just spent a day doing a tour and fact-gathering at a large life care community I'm considering. The basic facts I'm considering are these: - new, upscale apartments in 3- story building that has amenities such as two fine restaurants, pool, fitness center, nice views, etc. There are several differ...
by 4nwestsaylng
Mon Mar 25, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 10451

Re: I would like a boat. I also know nothing about boats

Slightly used 17 foot Boston Whaler that has been checked out by a boat professional/appraiser/etc. Quality Reputation Flotation Hull, always floats: Safety. Incredible resale value Large enough to be safe and stable. Small enough to be easily docked and handled by 1 or 2 people. Not sure how large...
by 4nwestsaylng
Mon Mar 25, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 6303

Re: Help with law school decision

The OP’s daughter really should consider taking 2+ years off before going to law school. She would be a better candidate, have real-world experience to relate to her law school classes, and have better job prospects when she graduates. Students who go straight from college to law have a hard time d...
by 4nwestsaylng
Mon Mar 25, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help with law school decision
Replies: 78
Views: 6303

Re: Help with law school decision

A decade ago, liberal arts grads thought law school was the answer. They watched "L.A. Law", "Suits", etc.

It is usually not the answer. Be sure that she really wants it, not you.
by 4nwestsaylng
Mon Mar 25, 2019 12:18 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 14378

Re: Family man who misses driving a fun car

Thinking about legal speed limits and reality, if I had the inclination and money, I might even consider a Morgan! Lot's of old British style and sports feel. It is certainly not a teutonic performer, but it would be fun to just sit in the garage and smell the leather! Appartently Morgan sales are b...
by 4nwestsaylng
Sun Mar 24, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA-how are you investing the funds?
Replies: 36
Views: 4013

Re: Fidelity HSA-how are you investing the funds?

An alternative is to view the HSA as only one component of your larger portfolio with a singular AA, and instead to maximize the tax advantages of the HSA. For this reason, it would actually be prudent to hold 100% equities in your HSA. You have to hold your equities somewhere, Roth IRAs and HSAs a...