Search found 54 matches

by GR8FUL-D
Sat Sep 07, 2019 10:21 am
Forum: Personal Investments
Topic: Middle Age people with low savings need to take on more investment risk than is normal?
Replies: 52
Views: 5912

Re: Middle Age people with low savings need to take on more investment risk than is normal?

I would think the single most important thing is a lifestyle change to becoming a hyper-saver. The math is pretty simple, you have to put money in the fund to get it to end up somewhere. Exact investment strategy doesn't matter if she doesn't make a profound change to finding out how to enjoy life ...
by GR8FUL-D
Fri Sep 06, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 12888

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

I think you'd get better feedback and suggestions if you'd give others insights into your specific interests, likes & dislikes, budget, etc.. It's so hard to give general travel advice...like food & music, there are so many variable...if you love rap and hip-hop, you're wasting your time asking me f...
by GR8FUL-D
Fri Sep 06, 2019 9:36 pm
Forum: Personal Investments
Topic: Middle Age people with low savings need to take on more investment risk than is normal?
Replies: 52
Views: 5912

Re: Middle Age people with low savings need to take on more investment risk than is normal?

I'm also going to point her towards Dave Ramsey radio program and books. He's easy to listen to and breaks things down in a very simply, easy-to-understand way, and I think he might be a good first step for her. That may be playing with fire. Dave recommends that people go to one of his ELPs and bu...
by GR8FUL-D
Fri Sep 06, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 12888

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Phineas J. Whoopee wrote:
Fri Apr 19, 2019 11:56 pm
Australia was interesting but not poles apart from the U.S. Sorry Aussies. We former colonies are more alike than different, although you, in retrospect, seem to have the better deal: you started with the felons, and we started with the Puritans.
LOL very funny!
by GR8FUL-D
Fri Sep 06, 2019 1:39 pm
Forum: Personal Investments
Topic: Middle Age people with low savings need to take on more investment risk than is normal?
Replies: 52
Views: 5912

Re: Middle Age people with low savings need to take on more investment risk than is normal?

GR8FUL-D, Serious advice here. I would encourage her to learn Spanish and plan on moving to Mexico or equivalent once she can access social security. The easiest way to double her money is to move outside the US. As a solo ager (for anyone who hasn't already read it, here's a link to an interesting...
by GR8FUL-D
Fri Sep 06, 2019 1:36 pm
Forum: Personal Investments
Topic: Middle Age people with low savings need to take on more investment risk than is normal?
Replies: 52
Views: 5912

Re: Middle Age people with low savings need to take on more investment risk than is normal?

Thanks to all who replied and for the advice--I've very thankful to have found an online community who I can turn to for such sound and unbiased financial advice! Just to be clear, I wasn't suggesting that she invest her current savings in equities; that should probably just be in a money market as ...
by GR8FUL-D
Wed Sep 04, 2019 5:53 pm
Forum: Personal Investments
Topic: Middle Age people with low savings need to take on more investment risk than is normal?
Replies: 52
Views: 5912

Middle Age people with low savings need to take on more investment risk than is normal?

I have a friend (48 yrs old, single, no kids, rents an apt) who only has around $40K in savings. She not particularly financially-savvy and until now has always pretty much spent whatever she made. She's just now realizing that she's way behind in terms of saving for retirement and has come to me fo...
by GR8FUL-D
Tue Aug 20, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18382

Re: Are you a "solo ager?"

Although I fit your narrow definition of a solo ager, the term is used more broadly. In fact, the Geber book "Essential Retirement Planning for Solo Agers" states right up front, "The truth is, we're all Solo Agers if we live long enough." People who were married find themselves divorced or widowed...
by GR8FUL-D
Tue Aug 20, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18382

Re: Are you a "solo ager?"

One Saturday (or Sunday?) morning I'm sitting with her in the lobby talking and they wheel in a little old lady that looked pretty close to the end. Then an older couple come in with their teen age daughter and son to see "Grandma." Man, it was so obvious those two kids were only there by force, an...
by GR8FUL-D
Tue Aug 20, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18382

Re: Are you a "solo ager?"

We have seen some families with children where parents were literally sold out of their homes after giving power of attorney to the children. The lesson was - have a system check in place. I have no doubt this happens--and while clearly elder abuse is a legitimate concern & checks & balances should...
by GR8FUL-D
Tue Aug 20, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18382

Re: Are you a "solo ager?"

Op--Check out this recent NPR article on making new friends, I think this is relevant to this topic as well as in my case as single ager https://www.npr.org/751479810 While I agree that the above article is interesting & tangentially-related to this discussion, I hope it doesn't evolve into a derai...
by GR8FUL-D
Sun Aug 18, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18382

Re: Are you a "solo ager?"

I've seen how much effort it takes for multiple kids to help an ailing/aging parent. I don't have much hope that my nieces/nephews will be there for me if I end up in poor health - and I don't blame them, it's hard enough taking care of their own parents, and if they have families of their own, wha...
by GR8FUL-D
Sat Aug 17, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18382

Re: Are you a "solo ager?"

More depressing news to add to an already depressing topic:

https://www.washingtonpost.com/business ... edirect=on
by GR8FUL-D
Fri Aug 09, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9655

Re: Critique my exercise routine because it's not working for me

More than a few people have commented that diet is more important than exercise in terms of losing weight (calories consumed vs calories burned), yet the discussion continues to revolve primarily around exercise, and I still don't think OP has yet described his daily food intake in any kind of detai...
by GR8FUL-D
Tue Jul 09, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 11988

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

Based upon the title of the OP people have recommended "move closer to relatives" but for many, the problem is not that they don't have any relatives nearby, it's that they don't have any relatives at all. Or for various reasons we don't have any relatives we can trust. Or perhaps we have young niec...
by GR8FUL-D
Tue Jul 09, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 11988

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

This is a very difficult subject. I think it's one of those facts of life that just as you need to prepare yourself financially for old age when you're young, you also need to navigate your life in a way where you would have someone close and trusted who will be able and willing to help later on if...
by GR8FUL-D
Tue Jul 09, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: Best Practices for longer-term house guests?
Replies: 35
Views: 3565

Re: Best Practices for longer-term house guests?

HOW TO BE A GOOD GUEST: Show up with (or leave behind after you're gone) something you know your host enjoys and/or might not buy themselves, i.e., a nice bottle of wine, a good single malt, some good cigars, flowers, etc.. If you know your way around the kitchen, offer to help cook or even make a m...
by GR8FUL-D
Mon Jun 24, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Good Volvo dealership for warranty service in Orlando area? Parallel parking malfunction, etc.
Replies: 13
Views: 889

Re: Good Volvo dealership for warranty service in Orlando area? Parallel parking malfunction, etc.

Cech Bros in Winter Park specializes in working on Volvos. I don't know if they can do warranty work, but I've been happy with their work, prices, & customer service.

https://www.cechbrosvolvospecialistsorlando.com/
by GR8FUL-D
Thu Jun 06, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to create a list of BH-vetted industry professionals?
Replies: 1
Views: 338

Possible to create a list of BH-vetted industry professionals?

While BH forum users can get loads of advice and answers to specific questions, one comment I’ve read repeatedly on this forum is “You need to seek professional advice” generally referring to a lawyer, CPA, Estate Planner, fee-only Advisor, etc.. 20-30+ years ago, it was usually advantageous (and of...
by GR8FUL-D
Sat Jun 01, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 9163

Re: Does money/lack of money preoccupy you?

This post reminds me of one of my favorite money-related quotes: "Success means having the freedom to do what you want. The perfect amount of money is when you hardly have to think about it at all. By necessity poor people think about money all the time, and super-rich people are almost always obses...
by GR8FUL-D
Tue May 21, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 6125

Re: Relocate to Charleston SC?

I am very familiar with all the cities / towns mentioned above; obviously it all comes down to personal preference, but imho Charleston>Savannah>Beaufort. That said, moving from southern California (Santa Monica in particular) to any of those places is going to be somewhat akin to moving to another ...
by GR8FUL-D
Fri May 17, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6520

Re: Which car has the best or most comfortable cabin under 35K

Hyundai Equus — used,3 years old — by far. Also look at Genesis G80/90. The Toyota/Lexus/Ford/Honda mentioned above are nice cars, but not even in the same universe compared to the Equus/Genesis. Another vote for Genesis. You can get 2015/2016 model under 25k miles for 22-28k depends on the options...
by GR8FUL-D
Wed May 08, 2019 8:26 pm
Forum: Personal Investments
Topic: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?
Replies: 28
Views: 1716

Re: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?

Something that has been mentioned here--and in MANY other threads I've read on this site--are people telling OP that they need to seek professional advice. While I think in this case and in many others that is good advice, that opens up a whole other problem, specifically where to go to get competen...
by GR8FUL-D
Wed May 08, 2019 10:50 am
Forum: Personal Investments
Topic: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?
Replies: 28
Views: 1716

Re: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?

Thanks to everyone who took the time to reply--your comments & suggestions are appreciated. I completely understand those of you who suggested I leave their accounts alone & don't change things simply because doing so would be in my best interest. It's not uncommon to read about friends / family mem...
by GR8FUL-D
Tue May 07, 2019 1:35 pm
Forum: Personal Investments
Topic: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?
Replies: 28
Views: 1716

Re: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?

You should also look at the house value: if it's significant you'll have a large (likely untaxed) gain, which may make inheriting a Roth account a better option, since you won't need the money. Florida does not have an estate or inheritance tax, and it's my understanding that estates under $5.6 Mil...
by GR8FUL-D
Tue May 07, 2019 1:24 pm
Forum: Personal Investments
Topic: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?
Replies: 28
Views: 1716

Re: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?

When you look at Federal Income taxes, remember to keep the thresholds for when and how much of their Social Security benefits are taxes as well - an extra dollar of income from the IRA distribution can result in an increase in taxable income of $1.5 - $1.85 depending on the thresholds. Sorry to be...
by GR8FUL-D
Tue May 07, 2019 1:18 pm
Forum: Personal Investments
Topic: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?
Replies: 28
Views: 1716

Re: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?

Thx everyone for the replies so far, and for correcting me--this would not be a backdoor but rather a standard ROTH conversion. Much appreciate learning that it is best to keep Mom/Dad as each other's primary beneficiary. Understandably many assumed that my sister & I are both working, but in fact w...
by GR8FUL-D
Tue May 07, 2019 10:33 am
Forum: Personal Investments
Topic: Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?
Replies: 28
Views: 1716

Advice re: future inheritance & Parent's tIRA--should they convert to ROTH IRA?

My parents are both 83 years old; while they are in relatively good physical shape they are slowly mentally declining, so with their approval I am taking over responsibility for their finances. My parents have enough savings in taxable accounts to pay their living expenses far past their expected li...
by GR8FUL-D
Fri May 03, 2019 7:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard & Fidelity Personal Advisor Services: same advice from all advisors?
Replies: 14
Views: 2013

Vanguard & Fidelity Personal Advisor Services: same advice from all advisors?

Not long ago there was an article in Reader's Digest where the author visited 50 dentists in 28 different states and received vastly different advice: "The writer William Ecenbarger visited 50 dentists in 28 states in the U.S. and received prescriptions ranging from a single crown to a full-mouth re...
by GR8FUL-D
Wed May 01, 2019 9:32 pm
Forum: US Chapters
Topic: I'm shocked there's not a local Boglehead chapter in The Villages, FL!
Replies: 9
Views: 1738

Re: I'm shocked there's not a local Boglehead chapter in The Villages, FL!

I am always at a loss to the value of a Boglehead chapter. Sure the encouragement and like-mindedness is great as well as meeting new people. However: Person 1: "So how are you invested?" Person 2: "Three fund portfolio, 60/40/10." Person 1: "Me too, but I am 70/30/10." Person 2: "" Person 1: "" Pe...
by GR8FUL-D
Wed May 01, 2019 9:06 pm
Forum: US Chapters
Topic: I'm shocked there's not a local Boglehead chapter in The Villages, FL!
Replies: 9
Views: 1738

Re: I'm shocked there's not a local Boglehead chapter in The Villages, FL!

Used the search function (magnifying glass at top right) and just typed "Ocala" This is what I got: https://www.google.com/search?ei=u4jJXInAAYmg5wLB-oegAg&q=site%3Abogleheads.org+ocala&oq=site%3Abogleheads.org+ocala&gs_l=mobile-gws-wiz-serp.3...2315.3604..4830...0.0..0.99.458.6......0....1.7c1aYSm...
by GR8FUL-D
Tue Apr 30, 2019 7:22 pm
Forum: US Chapters
Topic: I'm shocked there's not a local Boglehead chapter in The Villages, FL!
Replies: 9
Views: 1738

I'm shocked there's not a local Boglehead chapter in The Villages, FL!

The Villages is the largest 55+ planned community in the USA. Overall it's a well-to-do demographic, and it continues to grow by leaps and bounds. I think it would be accurate to generalize and say that in the Baby Boomer generation, more often than not the husband was in charge of the finances, inv...
by GR8FUL-D
Fri Apr 12, 2019 2:26 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 461
Views: 317036

Re: Forum software upgrade bug reports and change requests

Just an fyi: when I go to the Retirement wiki https://www.bogleheads.org/wiki/Retirement_calculators_and_spending and click on the names of various retirement calculators, more than a couple of the links did not work. A few minutes ago I posted this elsewhere on this site but just realized this is w...
by GR8FUL-D
Fri Apr 12, 2019 2:18 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 461
Views: 317036

Many of the links to these retirement calculators not working

Sorry if this is the wrong place / sub-forum to post this, but in case site administrators are unaware, there are quite a few links under CALCULATOR NAME heading that are not working:

https://www.bogleheads.org/wiki/Retirem ... d_spending
by GR8FUL-D
Mon Mar 18, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Looking to buy snow bird house in Florida. How does it work with realtors?
Replies: 16
Views: 1824

Re: Looking to buy snow bird house in Florida. How does it work with realtors?

The standard realtor commission is 6% (split equally between buyer's and seller's agent), however some seller's do negotiate different commission percentages with their listing agent. Regardless, the commission is paid by the seller out of their proceeds from the sale of the property.
by GR8FUL-D
Mon Mar 11, 2019 9:53 pm
Forum: Personal Investments
Topic: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.
Replies: 23
Views: 1518

Re: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.

Today I had my second telephone consultation with a Vanguard representative regarding their Personal Asset Services (PAS). While I'm confident that his honest recommendation would be for me to have a larger percentage of my portfolio invested in equities, in trying to find a balance between my risk...
by GR8FUL-D
Mon Mar 11, 2019 9:31 pm
Forum: Personal Investments
Topic: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.
Replies: 23
Views: 1518

Re: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.

Specifically, he recommended I get my money out of the mutual funds and invest it as follows: Vanguard Total Stock Market Index Fund Admiral Shares 32% Vanguard Total International Stock Index Fund Admiral Shares 22% Vanguard Total Bond Market Index Fund Admiral Shares 32% Vanguard Total Internatio...
by GR8FUL-D
Mon Mar 11, 2019 9:24 pm
Forum: Personal Investments
Topic: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.
Replies: 23
Views: 1518

Re: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.

Today I had my second telephone consultation with a Vanguard representative regarding their Personal Asset Services (PAS). While I'm confident that his honest recommendation would be for me to have a larger percentage of my portfolio invested in equities, in trying to find a balance between my risk...
by GR8FUL-D
Mon Mar 11, 2019 7:26 pm
Forum: Personal Investments
Topic: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.
Replies: 23
Views: 1518

Re: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.

Today I had my second telephone consultation with a Vanguard representative regarding their Personal Asset Services (PAS). While I'm confident that his honest recommendation would be for me to have a larger percentage of my portfolio invested in equities, in trying to find a balance between my risk...
by GR8FUL-D
Mon Mar 11, 2019 6:46 pm
Forum: Personal Investments
Topic: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.
Replies: 23
Views: 1518

Re: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.

Today I had my second telephone consultation with a Vanguard representative regarding their Personal Asset Services (PAS). While I'm confident that his honest recommendation would be for me to have a larger percentage of my portfolio invested in equities, in trying to find a balance between my risk ...
by GR8FUL-D
Sun Mar 10, 2019 9:03 pm
Forum: Personal Investments
Topic: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.
Replies: 23
Views: 1518

Re: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.

It would help if you described exactly what you mean when you say that you are “extremely risk-averse”. Unlike most people my age, I don't have a job, I don't have a pension or 401K, and I don't have any children, so I am going to have to SOLELY rely on my current savings to see me through the end ...
by GR8FUL-D
Sun Mar 10, 2019 1:08 pm
Forum: Personal Investments
Topic: Investment noob needs help creating an IPS to ensure he doesn't outlive his money.
Replies: 23
Views: 1518

Investment noob needs help creating an IPS to ensure he doesn't outlive his money.

I made the decision to retire a year ago (at 50 yrs old) in order to care for elderly parents who otherwise would have soon needed to be moved into an assisted living facility. Due to my upbringing I am extremely risk-averse. While I intellectually understand & agree with the Boglehead approach of i...
by GR8FUL-D
Wed Dec 12, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Non-taxable investment income in order to qualify for ACA subsidies?
Replies: 12
Views: 784

Non-taxable investment income in order to qualify for ACA subsidies?

I am posting the question below on behalf of a close relative who is not a member of this forum: I am 53 yrs single retired person (no dependents) and my only income is off my investments. There is no state income tax where I live. I plan on using Obamacare for my health insurance in 2019. The minim...
by GR8FUL-D
Sat Oct 27, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?
Replies: 25
Views: 2657

Re: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?

Pre-owned Hyundai's don't hold their value like Lexus/Toyota/Honda's do, so you can get a lot of car for a lot less money. I bought 2011 (8 cylinder with upgraded tech package) Genesis in 2013 with about 35,000 miles, paid about $22K; I believe it's list price new was $45K. It now has about 110,000 ...
by GR8FUL-D
Tue Aug 07, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 38
Views: 5266

Personal liability issues as a result of hiring uninsured & unlicensed handyman

My elderly father owns a rather large piece of property in Florida & wants to have quite a few large trees removed and the branches of lots of trees trimmed &/or removed. He's had several licensed & insured companies out to the property to give him quotes to do the work, which ranged from $2,000 to ...
by GR8FUL-D
Thu Jul 05, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7877

Re: Walking Coast-to-Coast

Generally-speaking, did you plan how many miles to walk each day so that you'd end up in a specific location, or did you just "wing-it" and stop walking when you got tired? "I almost died only once." Was this the heat-related incident you referenced? If not, would you mind sharing details? "It's goo...
by GR8FUL-D
Mon Jul 02, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 4449

Re: Recommend a vehicle for $24,000 or less

Unlike Lexux/Toyota/Honda, neither Volvo or Hyundai's hold their value very well, but they are great cars. If you friends are willing to buy a 2-3 year old used car, they can get a lot of car for their money by buying an off-lease Volvo S80 or Hyundai Genesis. My Genesis sold new for $45K, I bought ...
by GR8FUL-D
Mon Jul 02, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3798

Re: International Vacation Ideas

Based upon the list of places you & your wife chose to vacation in the past, it would appear that we enjoy many of the same things. I, too, love islands (Maui & Kauai are two of my favorites) but I was slightly disappointed in Costa Rica. I didn't find it much cheaper than USA, and overall didn't th...
by GR8FUL-D
Fri Jun 22, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 23894

Re: Can you retire on $2M?

Just move overseas for the win The moving overseas idea to reduce costs is an illusion, Most countries are more expensive than the US. I live in Tel Aviv, a very expensive proposition, certainly much more than my original LA (and I lived in BH). Although having a national health system (by the way,...