Search found 2622 matches

by tj
Mon Nov 18, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 137
Views: 19268

Re: The One-Fund Portfolio as a default suggestion

Mike Piper ( https://www.bogleheads.org/wiki/Mike_Piper ) has written a few articles on changing to a single LifeStrategy fund. https://obliviousinvestor.com/my-portfolio-updated/ https://obliviousinvestor.com/more-on-switching-to-vanguards-lifestrategy-growth-fund/ Thanks for the links. He only us...
by tj
Mon Nov 18, 2019 12:25 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 54
Views: 5569

Re: Disney plus streaming deal

I am doing the 7 day trial. I won't be going beyond the trial period. Too little content. The Disney Vault has ten movies. Lots of old TV shows for Marvel and Disney. I know that new content from Disney/Marvel/Star Wars is going to be limited. I don't really care for Star Wars. If they can not put ...
by tj
Mon Nov 18, 2019 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Dental insurance covers 3 cleanings/yr?
Replies: 20
Views: 1873

Re: Dental insurance covers 3 cleanings/yr?

toofache32 wrote:
Mon Nov 18, 2019 12:11 am
Please note that "2 cleanings a year" means you need 180 days between cleaning. If you schedule after 178 days, it will not be covered.
Depends on the plan.
by tj
Sun Nov 17, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 86
Views: 6055

Re: FEHB Open Season 2019

What scenarios are you envisioning the co-pays being cheaper than 5% coinsurance? I had to go to the emergency room in Hawaii and they charged $950 before any insurance company negotiated rate discounts. 5% of that would still be less than $50. Also, consider your exposure when you are out of netwo...
by tj
Sun Nov 17, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why does Chase bonus require in-person sign up?
Replies: 11
Views: 1184

Re: Why does Chase bonus require in-person sign up?

They see all your old accounts when you go in, too, the banker doesn't care ,he presumably is hitting his quota and gets something out of it.
by tj
Sun Nov 17, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Still don't understand deductability of medical specialty board exam fees
Replies: 13
Views: 1150

Re: Still don't understand deductability of medical specialty board exam fees

If these fees are relevant for both your W2 job and your 1099 income, I don't believe that you can just arbitrarily decide which income stream to assign the expense to.
by tj
Sun Nov 17, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 86
Views: 6055

Re: FEHB Open Season 2019

GEHA pays a lot more towards dental and vision, so I believe it's more cost efficient. Also no minimum to invest with HSA Bank/TDA In some respects I agree with that statement, on it's face value it is the most cost effective. The MHBP like most health plans has no coverage for vision/dental. The G...
by tj
Sun Nov 17, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 86
Views: 6055

Re: FEHB Open Season 2019

Curious if anyone else here uses APWU. I've been very pleased over the last four years but rarely hear anyone who uses this plan. I use the MHBP (Mail handler benefits plan) it is an APWU plan but not THE APWU plan, plan id 48 vs 47. It's a very comparable plan to the one's mentioned, has pros & co...
by tj
Sun Nov 17, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3264

Re: HDHP over BCBS Basic for Feds?

Yes, HDHP will benefit you, especially if you maximize contributions to the HSA. The favorite HDHP seems to be GEHA. Checkbook's analysis for 2020 plan indicates that GEHA is a better buy than the other FEHB HDHPs regardless of high or low spend years. Any idea where United HDHP ranks on the Checkb...
by tj
Sun Nov 17, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dental savings plans, anyone using one?
Replies: 14
Views: 990

Re: Dental savings plans, anyone using one?

I wish dentist would just give the best price to self pay vs insurance. yup. Why would they do that? Insurance is basically marketing for them. They get a ton of clients. If they have a big client base, perhaps they will be less inclined to deal with insurance, but you might find it harder to get a...
by tj
Sun Nov 17, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2398

Re: Fed dental plans in 2020: keeping, dropping or switching?

Please correct me if I’m wrong, but most dental insurance plans will only pay out $1,000 to $1,500 max in one year. After deductibles and copays, you’re saving only a few hundred dollars by having dental insurance. Many of the federal employee plans have significantly higher limits, some unlimited.
by tj
Sun Nov 17, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3264

Re: HDHP over BCBS Basic for Feds?

Also remember non-HDHP plans can be paired with an FSA up to $2700 exempt from federal and state income tax. So $900 savings if you are married in 33% tax bracket. And HDHP holders can use a limited-expense HSA for dental and vision coverage, so you can still get some of that benefit if you buy gla...
by tj
Sun Nov 17, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3264

Re: HDHP over BCBS Basic for Feds?

GiannaLuna wrote:
Sun Nov 17, 2019 7:33 am
They will deposit $150/month to your HSA.

Is each agency different in this regard? I ask because my agency puts in less than half that amount for me each month.


Single gets $75/mo. The other options get 150/mo.
by tj
Sun Nov 17, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2398

Re: Fed dental plans in 2020: keeping, dropping or switching?

I have only compared it to GEHA. In the GEHA site, you can look up the negotiated price for various procedures. For the high GEHA plan, I believe you just apply the percentage of the coinsurance coverage to the price. So, if you are getting a new crown that is covered at 50% in the high plan, you w...
by tj
Sat Nov 16, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Dental insurance covers 3 cleanings/yr?
Replies: 20
Views: 1873

Re: Dental insurance covers 3 cleanings/yr?

When I was on employer insurance, they continued to cover 3 cleanings/year since I had a diagnosis of periodontal disease (ugh). I am now on a pre-pay plan with my long-time dentist (who HATES dental insurance and will go into a 20-minue rant if you are not careful). I asked when I might go back to...
by tj
Sat Nov 16, 2019 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3264

Re: HDHP over BCBS Basic for Feds?

Also remember non-HDHP plans can be paired with an FSA up to $2700 exempt from federal and state income tax. So $900 savings if you are married in 33% tax bracket. And HDHP holders can use a limited-expense HSA for dental and vision coverage, so you can still get some of that benefit if you buy gla...
by tj
Sat Nov 16, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2398

Re: Fed dental plans in 2020: keeping, dropping or switching?

Has anyone used the Humana Dental plan? Unless I'm missing something, it is about 1/2 GEHA's premium and services are cheaper. It is a regional plan, but that isn't a problems for me. Premiums are going to vary by the five different region prices, for me it was cheaper than all the othe higher plan...
by tj
Sat Nov 16, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Dental insurance covers 3 cleanings/yr?
Replies: 20
Views: 1873

Re: Dental insurance covers 3 cleanings/yr?

This is what Blue Cross Blue Shield federal plan covers. The others only cover 2.
by tj
Sat Nov 16, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2398

Re: Fed dental plans in 2020: keeping, dropping or switching?

Has anyone used the Humana Dental plan? Unless I'm missing something, it is about 1/2 GEHA's premium and services are cheaper. It is a regional plan, but that isn't a problems for me. Premiums are going to vary by the five different region prices, for me it was cheaper than all the othe higher plan...
by tj
Sat Nov 16, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 54
Views: 5569

Re: Disney plus streaming deal

I got in on the deal back in August. I've never had Netflix. I'm still doing the 12 month Hulu deal for $0.99/mo, but I can't say that I've used it that often. So far, I've enjoyed the Mandalorian episodes and the Noelle Christmas movie. I get confused when people say Disney+ only appeals to kids, t...
by tj
Sat Nov 16, 2019 8:33 pm
Forum: Personal Investments
Topic: New International Core Fund
Replies: 15
Views: 2038

Re: New International Core Fund

Still no complete holdings, but the top 10 monthly on 10/31 is revealed: Month-end ten largest holdings as of 10/31/2019 Nestle SA Novartis AG Alibaba Group Holding Ltd. Vinci SA Samsung Electronics Co. Ltd. Iberdrola SA ASML Holding NV Airbus SE Hoya Corp. TOTAL SA 10 largest holdings = 19.10% of t...
by tj
Sat Nov 16, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2398

Re: Fed dental plans in 2020: keeping, dropping or switching?

Has anyone used the Humana Dental plan? Unless I'm missing something, it is about 1/2 GEHA's premium and services are cheaper. It is a regional plan, but that isn't a problems for me. Premiums are going to vary by the five different region prices, for me it was cheaper than all the othe higher plan...
by tj
Fri Nov 15, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP to regular HP then return to HDHP?
Replies: 2
Views: 329

Re: HDHP to regular HP then return to HDHP?

I am currently using a HDHP for 2019. I am considering switching to a regular health care insurance plan for 2020 and then return to a HDHP for 2021. Am I missing something? Is there any reason this might not be allowed? Thank you. Of course it's allowed. You just won't be able to contribute to an ...
by tj
Fri Nov 15, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 118
Views: 9523

Re: H&R BLOCK Pre-Order 2019 Software Offer

Kevin M wrote:
Fri Nov 15, 2019 3:53 pm
tj wrote:
Fri Nov 15, 2019 9:17 am
Does anyone know if yuou can import 1099's into the various options at the Free FIle Alliance?
How does this relate to HRB, which is what this thread is about?

Kevin
It is tax filing software. H and r is one of the many vendors. If it imports, then I don't have to pay for the h& r block.
by tj
Fri Nov 15, 2019 10:20 am
Forum: Personal Investments
Topic: If one is pessimistic about both stocks and bonds, does a SPIA make sense?
Replies: 64
Views: 3193

Re: If one is pessimistic about both stocks and bonds, does a SPIA make sense?

There are still one or two companies offering CPI annuities. ..... Do you know which companies? I’ve contacted several agents and none of them are selling CPI-adjusted SPIAs any more. Principal still shows up as offering a CPI option on immediateannuities.com. I believe aig still has one as well.
by tj
Fri Nov 15, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 118
Views: 9523

Re: H&R BLOCK Pre-Order 2019 Software Offer

Does anyone know if yuou can import 1099's into the various options at the Free FIle Alliance?
by tj
Thu Nov 14, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3264

Re: HDHP over BCBS Basic for Feds?

BTW, my agency had its benefits fair today. I asked the rep from Kaiser why they didn't offer an HDHP. He said hardly any feds use an HDHP (~3%). I was stunned. It's probably because there are "safe" plans like BCBS Basic and GEHA standard that are available to Feds. Before learning about HDHPs, I ...
by tj
Wed Nov 13, 2019 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Online MBA - Worth It?
Replies: 30
Views: 2115

Re: Online MBA - Worth It?

Depends on where from. I would say an online for profit MBA is of marginal value. An MBA is basically a business degree for people who already have another degree. What differentiates some programs are the participants, the interactive experience and networking opportunities. I'm not sure what gett...
by tj
Tue Nov 12, 2019 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Online MBA - Worth It?
Replies: 30
Views: 2115

Re: Online MBA - Worth It?

Will a cheap MBA help you?

That probably depends what you want to do with it. The cheapest online MBA is most likely Georgia Southwest State.

https://www.gsw.edu/academics/schools-a ... ba-program
by tj
Tue Nov 12, 2019 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - ACH to/from a "Protected Goal" account
Replies: 21
Views: 1199

Re: Simple Bank - ACH to/from a "Protected Goal" account

Plus, to close the account, after you empty it, you have to send them a message indicating your desire to close the account. With all this, I despair of getting my 1099-INT or paperwork for taxes in a timely fashion from them. You don't need the 1099. You already know what interest they gave you.
by tj
Tue Nov 12, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3264

Re: HDHP over BCBS Basic for Feds?

Yes, HDHP will benefit you, especially if you maximize contributions to the HSA. The favorite HDHP seems to be GEHA. Checkbook's analysis for 2020 plan indicates that GEHA is a better buy than the other FEHB HDHPs regardless of high or low spend years. OP lives in DC. CareFirst has an HDHP which is...
by tj
Mon Nov 11, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance
Replies: 60
Views: 5177

Re: Dental Insurance

For those familiar with Dental billing, how do the "Co-Pays" look for the Minor Restorative procedures? Other plans just have a co-insurance % but don't tell you what the actual rate is.

https://www.benefeds.com/Education_Supp ... na2020.pdf
by tj
Mon Nov 11, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP over BCBS Basic for Feds?
Replies: 70
Views: 3264

Re: HDHP over BCBS Basic for Feds?

Yes, HDHP will benefit you, especially if you maximize contributions to the HSA. The favorite HDHP seems to be GEHA. Checkbook's analysis for 2020 plan indicates that GEHA is a better buy than the other FEHB HDHPs regardless of high or low spend years. OP lives in DC. CareFirst has an HDHP which is...
by tj
Mon Nov 11, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Consumers Checkbook FEHB
Replies: 1
Views: 208

Consumers Checkbook FEHB

The tool is live, I signed up after many bogleheads raved about it, and consider myself disappointed. Someone said that it would tell me if it makes sense to take a FEDVIP plan vs. a Limited Flexible Spending account....but how do I enable that comparison? It's not intuitive. Comparing the data for ...
by tj
Mon Nov 11, 2019 2:16 am
Forum: Personal Investments
Topic: Best broker for young newbie?
Replies: 10
Views: 746

Re: Best broker for young newbie?

CABob wrote:
Mon Nov 11, 2019 12:08 am
For that amount of money up to perhaps $1000 I suggest a money market fund at a local bank or credit union. then they might consider a low cost broker or mutual fund company.
Banks and credit unions don't have money market funds. They. Might have money market accounts.
by tj
Mon Nov 11, 2019 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - ACH to/from a "Protected Goal" account
Replies: 21
Views: 1199

Re: Simple Bank - ACH to/from a "Protected Goal" account

Who cares? Same day transfer to the save to spend and ach pull from the safe spend. I already collected my money with bonus and closed the account
by tj
Sun Nov 10, 2019 10:28 am
Forum: Personal Investments
Topic: Optimizing for potential future ~9% state capital gains
Replies: 7
Views: 694

Re: Optimizing for potential future ~9% state capital gains

Looks like it's Washington state. That's rough considering they don't even tax earned income. And apparently short term gains would not be taxed.
by tj
Sat Nov 09, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Disability and Financial Independence - Drop Coverage?
Replies: 25
Views: 1145

Re: Long Term Disability and Financial Independence - Drop Coverage?

I should add that if I Opt Out of LTD, I won’t be able to continue health insurance coverage with my employer should I have a long term disability... Not sure if that changes the analysis a bit. It seems pretty foolish to abandon health insurance considering how crappy a lot of the ACA plans are?
by tj
Fri Nov 08, 2019 12:39 am
Forum: Personal Investments
Topic: Is a $36 fee per year worth paying on my HSA so that money can grow in the market?
Replies: 21
Views: 1760

Re: Is a $36 fee per year worth paying on my HSA so that money can grow in the market?

I transferred HSA from HealthEquity to Fidelity. NO medallion neeed. There was printed paperwork, I dropped it off at a Fidelity branch.
by tj
Thu Nov 07, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 116
Views: 14953

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

DaftInvestor wrote:
Thu Nov 07, 2019 10:59 am
For those that took advantage of this offer - as FYI - my bonus was deposited yesterday.
Mine was on Monday I think. It depends when you signed up. Simple posted a couple days later, too.
by tj
Thu Nov 07, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Does umbrella insurance premium change over time?
Replies: 13
Views: 878

Re: Does umbrella insurance premium change over time?

Yes, the premium can and does change. Besides a price increase, they can change the terms of your policy when it's being renewed. For example, today I received a 10+ page "Notice of Policy Change" from Geico. Lots more exclusions, more restrictive language, etc. So, even if my premium hadn't change...
by tj
Thu Nov 07, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 37
Views: 2473

Re: Amica - Auto Policy, only 6 months

Indeed. I believe my auto owners policy is 12 months. They have great reviews, I haven't had any issues but I haven't had to file a claim.
by tj
Thu Nov 07, 2019 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Emergency medical insurance (Helicopter transport, etc)
Replies: 32
Views: 3167

Re: Emergency medical insurance (Helicopter transport, etc)

Grasshopper wrote:
Sat Aug 10, 2019 6:28 am
Where I live in SE Arizona, EMT's call a copter in for heart, head, and rattlesnake bites. There are 3 services in our area I subscribe to all 3 costs $150 for Ms G and myself. We will be on Medicare soon and I understand that it will pay for our future rides.
What are the 3 services?
by tj
Tue Nov 05, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Independent Insurance Broker
Replies: 2
Views: 140

Re: Recommendations for Independent Insurance Broker

Don't really know how you would "trust" someone or why you would need to. This is a commodity purchase. As long as you know what you are looking for, agents are a dime a dozen. I just went to my state's insurance premium compariso nwebsite and then I looked for brokers who represented the ones that ...
by tj
Tue Nov 05, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Fed dental plans in 2020: keeping, dropping or switching?
Replies: 30
Views: 2398

Re: Fed dental plans in 2020: keeping, dropping or switching?

There are non fedvip plans from geha, geba, afspa, mail handlers and probably more which arent limited to open season. They might have waiting periods though. I would research those and if you could utilize one of those, it might be an option to avoid paying year round for insurance you don't need. ...
by tj
Tue Nov 05, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company Reviews
Replies: 15
Views: 1253

Re: Health Insurance Company Reviews

A lot might depend upon "where" in AZ you are considering. You mentioned Mayo, so perhaps you are thinking Phoenix. We live outside of Tucson, in rural Pinal County. My wife has an ACA account through BCBS - - it's an HSA, which is good. However, her premiums are going up in 2020 from $60, to $250 ...
by tj
Mon Nov 04, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Company Reviews
Replies: 15
Views: 1253

Re: Health Insurance Company Reviews

Ambetter is just the local name for HealthNet.


I thought i read that Blue Cross Blue Shield was re-entering Arizona ACA this year?
by tj
Mon Nov 04, 2019 10:19 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1970
Views: 328478

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Slightly better offer available if you call them. They transfer you to their local office who can plug in the offer once you open the account. Just transferred assets a week ago. They reimbursed close out fees from 2 separate brokerages too. What city or branch was this? Any idea what promo code th...
by tj
Fri Nov 01, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 118
Views: 9523

Re: H&R BLOCK Pre-Order 2019 Software Offer

I unfortunately have to file two state returns this year. Does anyone know which of the big 3 will be cheapest to accommodate that?