Search found 33 matches

by runninginvestor
Mon Oct 19, 2020 5:31 pm
Forum: Personal Consumer Issues
Topic: Protein consumption strength training
Replies: 24
Views: 1184

Re: Protein consumption strength training

I have used powders for strength training in the past and still use a protein powder for various nutritional reasons. This is a curve ball to the milk/water base for the powders. The best I've been able to stomach them on a daily basis is a "mocha cappuccino" flavor I add to coffee every morning. If...
by runninginvestor
Sat Oct 17, 2020 10:49 am
Forum: Personal Investments
Topic: taxable account questions
Replies: 5
Views: 351

Re: taxable account questions

Most people in taxable use a SpecID (specific identification) cost basis, where you select which tax lot (investment contribution) you'd like to sell. This allows you to specify exactly what shares you'd like to sell so in your example if it was February the following year, if you specified January ...
by runninginvestor
Fri Oct 16, 2020 4:50 pm
Forum: Personal Investments
Topic: 403B and fees
Replies: 9
Views: 568

Re: 403B and fees

Hello Everyone, My 403B is with Vanguard. Everything is invested in TSM at 0.04%. However, I am also being charged a monthly fee of $5 ($60 per year). Thus, if you only have 10K in it, your expenses are 0.64% per year. If you have 20K, this figure drops to 0.34% and so on. Are these maintenance/cus...
by runninginvestor
Wed Oct 14, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Reverse Countdown Timer
Replies: 53
Views: 3235

Re: Reverse Countdown Timer

If you have a voice enabled device like an Alexa, or are willing to get one, the most elegant solution would seem to be to put in a WiFi enabled plug, and set it up so you can do a spoken command, like “Alexa, turn off the dehumidifier,” and program that to turn off the switch for an hour or two. H...
by runninginvestor
Sun Oct 11, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: annual benefits enrollment; new HDHP in-network only option
Replies: 11
Views: 664

Re: annual benefits enrollment; new HDHP in-network only option

my company is currently going through annual enrollment and a new option was presented. i'm currently on a HDHP that has both in-network and out-of-network coverage. the new plan will save me about $2000 a year in premiums, but has access to in-network providers only. maximum out-of-pocket is also ...
by runninginvestor
Sun Oct 11, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Cost for CPA, and billing detail
Replies: 14
Views: 1141

Re: Cost for CPA, and billing detail

Also, you can always ask for the billing detail and express that you appreciate the service, but want to understand why your bill is what it is. Any decent CPA will have no problem providing that and having a reasonable conversation about it. If they don't, that's a red flag +1 to this. Although I'...
by runninginvestor
Fri Oct 09, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Recommendations wanted: lower cost wireless ear buds for runners
Replies: 17
Views: 972

Re: Recommendations wanted: lower cost wireless ear buds for runners

I don't know what the market would be low cost or affordable nowadays. But I'm happy with my Trekz bone conduction headphones. They are around $100. The model I have allows me to use voice control, make calls, answer calls, change the volume by voice, etc. Also nice to be able to hear your surroundi...
by runninginvestor
Fri Oct 02, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: medicare advantage vs supplement
Replies: 23
Views: 1425

Re: medicare advantage vs supplement

I know the ability to see any Medicare doctor is usually a leading bonus for MedSupp over MA. Especially folks who travel. But I can't stress enough though, to look at the Explanation of Coverage docs. I've seen at least 1 large, national provider offer a free "travel benefit" in their MA PPO plan, ...
by runninginvestor
Mon Sep 28, 2020 6:32 pm
Forum: Personal Investments
Topic: VFIAX question for today 9/28
Replies: 6
Views: 518

Re: VFIAX question for today 9/28

how come the VFIAX index at Vanguard today hit 1.18% instead of 1.61% ? end of market day it was around 1.6% on my phone and then few hours later it updated itself considerably lower to 1.18% any reasoning? I called Vanguard but they didn't give me a good answer whatsoever Dividend pays tomorrow/re...
by runninginvestor
Mon Sep 28, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Vacuum for mostly hardwood floors...
Replies: 48
Views: 2800

Re: Vacuum for mostly hardwood floors...

We have a Shark and it has an option to run vacuum only without the roller / beater bar. This is critical for solid surface floors, otherwise you just shoot the dirt around with the roller. We use it for both carpets and hardwood; just a simple switch to go from one to the other. I believe ours is ...
by runninginvestor
Sun Sep 27, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A - Navigating Hospital bills for ER/Hospital/Rehab
Replies: 11
Views: 831

Re: Medicare Part A - Navigating Hospital bills for ER/Hospital/Rehab

Thanks for advice/pointers. Adding some clarifications: 1. Dad is 80. He was earlier covered by his employer and so had not enrolled for Medicare-B. He lost that coverage earlier in the year and should have enrolled for Medicare-B which was missed as he was away from home on vacation and stuck due ...
by runninginvestor
Sat Sep 26, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: Cheapest place to get subscription to Wall Street Journal
Replies: 36
Views: 3807

Re: Cheapest place to get subscription to Wall Street Journal

Not a personal subscription, but if you have a local library you may have access to a digital subscription in some form.
by runninginvestor
Thu Sep 24, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Large Nest Egg...should I run a deficit to pay a larger mortgage?
Replies: 40
Views: 2974

Re: Large Nest Egg...should I run a deficit to pay a larger mortgage?

... you're asking if it makes sense to invest the difference saved so it has to beat mortgage rate at least, with certainty. Not quite. I'm asking at what point would you run such a large monthly debt and supplement the low cash flow with nest egg savings and investment arbitrage. Gotcha. You still...
by runninginvestor
Thu Sep 24, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Large Nest Egg...should I run a deficit to pay a larger mortgage?
Replies: 40
Views: 2974

Re: Large Nest Egg...should I run a deficit to pay a larger mortgage?

I would think it would only begin to make sense if you were positive what you could save by investing would return at least your mortgage rate. IDK what the exact breakeven point is, but you're asking if it makes sense to invest the difference saved so it has to beat mortgage rate at least, with cer...
by runninginvestor
Wed Sep 23, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7457

Re: Why buy medical insurance ?

OP, if you decide to go without health insurance, you might look at Direct Primary Care https://mapper.dpcfrontier.com/ There are other threads on this topic. It still leaves you quite vulnerable to crazy medical costs, however. https://dpcnation.org/faq/ If you scroll down far enough you find the ...
by runninginvestor
Wed Sep 23, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Microsoft One Drive Security
Replies: 3
Views: 477

Re: Microsoft One Drive Security

You can also utilize the "Personal Vault" feature of OneDrive. Without an Office365 subscription, you can add up to 3 files to it. I also suggest this. I don't know what additional behind the scenes security they use, aside from encryption. They do make you 2FA for the personal vault, which is kind...
by runninginvestor
Wed Sep 23, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7457

Re: Why buy medical insurance ?

Very interesting. Thanks for the explanation. Can a married couple have 2 separate insurance plans and get everything covered? For example my plan covers what it covers and if it doesn’t cover everything, my wife can use her plan to cover the rest so there’s no out of pocket cost? No. Benefits for ...
by runninginvestor
Tue Sep 22, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: HDHP versus PPO
Replies: 43
Views: 2343

Re: HDHP versus PPO

If you have don't have alot of medical expenses, it's usually best to have the cheapest premium (high deductible) and fund an HSA on the side. By doing this, you are taking on more of the risk of a high medical expense, which is capped, so Aetna or UHC. To echo this, if OP has no existing condition...
by runninginvestor
Tue Sep 22, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: HDHP versus PPO
Replies: 43
Views: 2343

Re: HDHP versus PPO

Details added. So is the HDHP a PPO, EPO, or HMO? The plan type is an important distinction. PPO will generally let you see a specialist without a pre-approved referral, and most include out of network coverage. (preferred provider plan) EPO will let you generally see a specialist without a pre-app...
by runninginvestor
Tue Sep 22, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7457

Re: Why buy medical insurance ?

The $2,000 a month combined for the both of you, is that the lowest you can get for premium? If you are trying to stomach the premium cost, maybe if it's available you can get a lower tier ACA plan with an HSA. And just treat it as true catastrophic coverage. That way you still have a cap on overall...
by runninginvestor
Mon Sep 21, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7457

Re: Why buy medical insurance ?

Was reading another thread about in-network doctors refusing to honor the contract prices. Also facing layoff in my 50s (refusing to relo with employer and thinking FIRE instead). Given cost of Cobra and ACA without subsidy, thinking whether it makes sense to self-insure. Assume 2,000/mo unsubsidiz...
by runninginvestor
Mon Sep 21, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare supplement and advantage question
Replies: 11
Views: 617

Re: Medicare supplement and advantage question

LTLFTP........Long Time Lurker, First Time Poster Does anyone know how to look up how many people are enrolled in a particular Medigap or Advantage plan in your state ? Also, does anyone know how to find Advantage plans that include a particular benefit.......say, do they cover hearing aids? Thank ...
by runninginvestor
Mon Sep 21, 2020 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Hospital bill for deceased parent...received 2 years later.
Replies: 67
Views: 7298

Re: Hospital bill for deceased parent...received 2 years later.

For my insurance if the provider waits over a year to submit a bill to insurance they are out of luck. Insurance won't pay and I don't have to pay either (assuming in network). I don't think the second part of that sentence is accurate, your obligation to pay the medical provider is independent of ...
by runninginvestor
Sun Sep 20, 2020 8:42 pm
Forum: Investing - Theory, News & General
Topic: If I buy into an ETF/Mutual Fund, are new shares generated?
Replies: 6
Views: 467

Re: If I buy into an ETF/Mutual Fund, are new shares generated?

You own shares in an ETF or mutual fund. You are not a shareholder of the stocks - you cannot vote at a shareholder meeting. A total stock market investment does not affect prices. A sector fund investment would affect prices by some minuscule amount. So doesn't the ETF/MF buy and sell stocks to tr...
by runninginvestor
Sat Sep 19, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor disclosure and consent
Replies: 48
Views: 3419

Re: Doctor disclosure and consent

we weren't responsible for what their insurance would pay for, we were responsible for recommending and providing the best treatment. If the patient had an insurance concern, it was up to them to bring it up before agreeing to treatment, not on us to know their plan for them. +1. Obviously health c...
by runninginvestor
Fri Sep 18, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor disclosure and consent
Replies: 48
Views: 3419

Re: Doctor disclosure and consent

If the dermatologist felt this was medically necessary (remove precancerous lesion), they should submit documentation to the insurance company to support your appeal. I would contact the insurance company first to make sure your understanding for the nonpayment is correct and find out what steps yo...
by runninginvestor
Fri Sep 18, 2020 1:23 pm
Forum: Personal Investments
Topic: Vanguard Total Stock Market Style box
Replies: 10
Views: 1027

Re: Vanguard Total Stock Market Style box

Hello everyone, is there a way to see the composition of VTI on any given day as between growth/value and large/mid/small? It looks like Morning star’s 9 box shows the allocation as of 7/31/2020 but is there something that tracks it on a daily basis? Or if not VTI then even S&P 500? Thank you. Sinc...
by runninginvestor
Tue Sep 15, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: Why are Call Options a bad idea?
Replies: 21
Views: 1774

Re: Why are Call Options a bad idea?

Another point about buying call options instead of purchasing a stock, is you pay more for the stock that way. For example (someone feel free to correct me if I am wrong!): Apple is trading roughly $117. If you think it will increase to $120 but have to pay $1.50 premium for the call option, you won...
by runninginvestor
Tue Sep 15, 2020 10:05 am
Forum: Investing - Theory, News & General
Topic: Why are Call Options a bad idea?
Replies: 21
Views: 1774

Re: Why are Call Options a bad idea?

I was in a conversation with a buddy yesterday who's long call options (+ margin leverage) on a few stocks he's tracking. I get why the margin leverage and I understand that risk/reward (or likely in his case just the gambling fix). What I walked away with wondering is why not purchase call options...
by runninginvestor
Fri Sep 11, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: What does Medicare A do, if one is still working with health coverage?
Replies: 19
Views: 1119

Re: What does Medicare A do, if one is still working with health coverage?

We each signed up for Medicare A when we each turned 65, although we still had employer health benefits. We did not have to pay anything for A, etc. But... what does Medicare A "do", while one still has regular health insurance? What do we get? Or what does Employer get? I was in hospital last Dece...
by runninginvestor
Fri Sep 11, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: What does Medicare A do, if one is still working with health coverage?
Replies: 19
Views: 1119

Re: What does Medicare A do, if one is still working with health coverage?

One thing signing up for Medicare Part A does is make you ineligible to fund an HSA (Health Savings Account) if your employer health insurance is a qualifying high-deductible plan. Thanks. We don't have health insurance with the features that wouldn't work with Medicare A, and we each signed up for...
by runninginvestor
Wed Sep 09, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Graph of percentage change by day?
Replies: 4
Views: 552

Re: Graph of percentage change by day?

I've been searching for a graph that would show me percentage change in a fund price by day for some period of time. How could I see that? Marketwatch, Yahoo, StockCharts have it for funds. For these sites, if you look for the ";Rate of Change (ROC) indicator", then change the period (the lookback ...
by runninginvestor
Tue Sep 08, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Sent me a check I am not expecting - what should I do?
Replies: 22
Views: 3198

Re: IRS Sent me a check I am not expecting - what should I do?

Definitely wouldn't call any number sent with the check or any follow-up letter. I'd go straight to the IRS website and get contact information before trying to cash it. IRS lists a similar scam on their site regarding the stimulus payments: (Link's to IRS website) https://www.irs.gov/newsroom/irs-i...