Search found 2329 matches

by tarnation
Sat Mar 03, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 8104

Re: How to Minimize Your Emergency Care Expenses

dm200 wrote:
Sat Mar 03, 2018 3:11 pm
There is no discount as the procedure and anesthesia are coded/charged separately.
OK - if charged separately, then you would not get charged if no anesthesia, right? I would call that the same as a discount.
I guess so if words don't have meaning.
by tarnation
Fri Mar 02, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 8104

Re: How to Minimize Your Emergency Care Expenses

My solution is to get a colonoscopy without anesthesia. Do you ask for (and get?) a discount because there is no anesthesia or sedation? The entire procedure was covered as a preventative treatment under my GEHA/HDHP insurance. I did not pay anything for it. I don't know if anesthesiology would hav...
by tarnation
Sat Feb 10, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 272
Views: 61895

Re: How to Minimize Your Emergency Care Expenses

I think the info on billing and insurance and all that is informative. However, in my opinion, reducing costs by not receiving or declining emergency medical care has to be some of the worst advice I have seen on this forum (or anywhere maybe). The OP may feel confident second guessing medical expe...
by tarnation
Tue Jan 30, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 52
Views: 9368

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

YNAB is better than Mint. Mint you can't delete transactions, they spam you with ads, and they sell your data. YNAB has some bumps, but support is pretty good. YNAB costs, but worth.
by tarnation
Sun Jan 28, 2018 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 272
Views: 61895

Re: How to Minimize Your Emergency Care Expenses

I think the info on billing and insurance and all that is informative. However, in my opinion, reducing costs by not receiving or declining emergency medical care has to be some of the worst advice I have seen on this forum (or anywhere maybe). The OP may feel confident second guessing medical exper...
by tarnation
Tue Jan 16, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: New HSA Account
Replies: 7
Views: 771

Re: New HSA Account

Remember with the HSA, you can only spend money that has been deposited in your account. Unlike an FSA where you can spend the monies on qualified expenses during the calendar year before deposits are made, as long as you do not exceed the maximum contributions for the calendar year. This is a litt...
by tarnation
Tue Jan 16, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Who should we appoint as executor?
Replies: 33
Views: 3227

Re: Who should we appoint as executor?

my two cents: Best to have an executor who is not also a beneficiary (and someone you TRUST). This was the mistake that caused our litigation. The executor wanted real property that was intended to be devised to another beneficiary. Turns out if you pick the wrong executor, your will isn't worth the...
by tarnation
Tue Jan 16, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Unusual Will/Probate Situation
Replies: 16
Views: 1568

Re: Unusual Will/Probate Situation

Does former sister in law reside in Alabama also?
by tarnation
Mon Dec 04, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Handling after death affairs for my deceased domestic partner
Replies: 17
Views: 2498

Re: Handling after death affairs for my deceased domestic partner

if there were any retirement accounts, then it may be worth it to be "spouse". I was the beneficiary on the retirement accounts, so no need to be spouse. If I were the spouse I think that could complicate taxes. In general, Spousal beneficiaries can treat accounts like their own, nonsposual benefic...
by tarnation
Sun Dec 03, 2017 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Handling after death affairs for my deceased domestic partner
Replies: 17
Views: 2498

Re: Handling after death affairs for my deceased domestic partner

sorry for your loss. I was curious about how Common Law marriage differs from AL and a quick google found this "Common Law Marriage is a term which generally meant that if you lived with someone, considered yourself married and held yourself out to the world as a married couple, then you were consid...
by tarnation
Thu Nov 30, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Bypass trust from 2009. I'm trustee. Questions about distributions, tax implications, and maybe decanting it?
Replies: 15
Views: 1421

Re: Bypass trust from 2009. I'm trustee. Questions about distributions, tax implications, and maybe decanting it?

1) Isn't this situation numerically equivalent to him contributing that income back into the corpus of the Trust? If so, then I'm not sure there is a big problem here. You may need to shuffle some papers, etc. whatever CPA says. 3) I think she was saying, in order to be held in breach you would have...
by tarnation
Wed Nov 29, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning question (should we add beneficiaries to savings account?)
Replies: 33
Views: 2449

Re: Estate planning question (should we add beneficiaries to savings account?)

Bad idea to distribute the IRAs immediately unless immediate bills make that necessary. Separate inherited IRA accounts should normally be created for each beneficiary. The inherited IRAs can then be stretched over the life expectancy of each beneficiary. That continues tax deferral and eliminates ...
by tarnation
Mon Nov 27, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning question (should we add beneficiaries to savings account?)
Replies: 33
Views: 2449

Re: Estate planning question (should we add beneficiaries to savings account?)

Having paid out over six digits in estate litigation, I would advise not changing the accounts at the credit union (unless great care is taken). In our instance, we had one party who was "added" to accounts for convenience of helping with bills when the deceased was still living. After, they died, i...
by tarnation
Sat Nov 25, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 4612

Re: HSA: "Pay out of pocket" vs Withdraw math problem

I think account fees are a red-herring when resolving the question of when to withdraw funds. There are plenty of HSA options that are free, interest bearing accounts, CD's etc and plenty of taxable accounts that have fees also, trades, maintenance etc. If really needed, all can be accounted for in ...
by tarnation
Sat Nov 25, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 4612

Re: HSA: "Pay out of pocket" vs Withdraw math problem

What about doctors that don’t give invoices? My wife sees a psychologist. This is the 3rd one she’s been to. None have ever given invoices, they demand payment at time of service, and basically we get stuck keeping track what we’ve paid them and trying to match up to the EOBs. I find the whole thin...
by tarnation
Sat Nov 25, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 4612

Re: HSA: "Pay out of pocket" vs Withdraw math problem

I simply view the HSA as an IRA. I’m 31 years old...the prospects of my wife and I hoarding receipts for 34 years just doesn’t seem realistic. What constitutes keeping a receipt? Would a check image to a doctor count with a matching EOB? That’s easier to produce as I can go and download everything ...
by tarnation
Sat Nov 25, 2017 12:52 am
Forum: Investing - Theory, News & General
Topic: HSA: "Pay out of pocket" vs Withdraw math problem
Replies: 48
Views: 4612

Re: HSA: "Pay out of pocket" vs Withdraw math problem

If I understand your question, I remember a long (and somewhat painful) thread on this when to reimburse problem. https://www.bogleheads.org/forum/viewtopic.php?f=1&t=156240 Iirc, worst case (if you have no more qualified expenses) then it comes down to is in your tax situation, is a non deductible ...
by tarnation
Tue Nov 21, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 39
Views: 4324

Re: New car buyers...you should consider financing

Anyone purchased one on credit card before? Navy Federal CC has 0% for a year on any purchases over $500.
by tarnation
Sat Nov 18, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 54
Views: 8852

Re: 2018 FEHB HDHP Recommendations

It seems that all of the HDHP plans require to to keep a certain minimum amount of cash with the HSA administrator before you are allowed to invest anything above that - and that cash is just parked and earning a very low interest rate. Has anyone compared across all the options to find which is th...
by tarnation
Tue Nov 14, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: GEHA HDHP & HSA Questions
Replies: 5
Views: 811

Re: GEHA HDHP & HSA Questions

We switched in 2010, but back then they opened it ASAP with "penny funding". Just checked and says it was established Jan 3rd.
by tarnation
Tue Nov 14, 2017 12:06 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 54
Views: 8852

Re: 2018 FEHB HDHP Recommendations

There was one über-annoying thing about their customer service... the first person I’d speak to, after giving my member number and personal information, would always have to transfer me to an HDHP specialist, at which point I’d have to start over from scratch. I tried getting customer service to tr...
by tarnation
Mon Nov 06, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70534

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I received the email. I have small hsa account with TDA. I did not complain. I don't know much about HSAs are held at TDA. Are they held through a third party provider such as a bank or a benefits administrator ? If so, could they be considered 'institutional' and hence they get the extension ? Cou...
by tarnation
Fri Nov 03, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70534

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

So looking through the new list, the Wisdom tree US multi factor (USMF) sounded interesting. Anybody else look at this one? Volume is low down. You have to ignore products like this. Say you want to put $2500 into USMF on a given day, which is pretty small. That is more than 50% of the average dail...
by tarnation
Thu Nov 02, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 6567

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

First off, please do not post here if you intend on bashing Dave Ramsey for his investing advice. Otherwise, the thread will get locked or deleted. ^ I don't think criticizing Dave is against forum rules. His investing advice is not the worst thing he does; the worst is he ALWAYS advises people to ...
by tarnation
Thu Nov 02, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70534

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

So looking through the new list, the Wisdom tree US multi factor (USMF) sounded interesting. Anybody else look at this one? Volume is low down.
by tarnation
Mon Oct 30, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: 401k beneficiary - whether or not to designate
Replies: 14
Views: 1289

Re: 401k beneficiary - whether or not to designate

What you have outlined will not work and I recall there is a Five-year rule to watch out for if you make the estate the beneficiary. I think what you are looking for is to name all beneficiaries on the beneficiary designation. Then they can all roll to inherited IRA's and have RMD based on their in...
by tarnation
Mon Oct 30, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help with two medical plan choices
Replies: 5
Views: 491

Re: Help with two medical plan choices

SimonJester wrote:
Mon Oct 30, 2017 1:41 pm
Plan B allows for an HSA, Plan A allows an FSA.
Not sure what you mean here?? When I see HDHP, I infer that means a plan that qualifies for an HSA. Also, you can have a limited expense FSA along with an HSA.
by tarnation
Mon Oct 30, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: 401k beneficiary - whether or not to designate
Replies: 14
Views: 1289

Re: 401k beneficiary - whether or not to designate

DW has designated her niece (who is also our will executrix) as a contingent beneficiary on her 401k account. I initially thought this was a good idea. However, I've recently had second thoughts. According to what I've read, if DW and I both die in common demise (say, in a plane crash, car wreck, o...
by tarnation
Sun Oct 29, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS v NALC
Replies: 7
Views: 1303

Re: BCBS v NALC

The two calculations I did on High plans came out with very few scenarios in which the High plans were advantageous over GEHA Basic. These were mostly related to prescriptions or catastrophic expenses, as the High plans generally have very low OOPMs and great prescription coverage. That is my recol...
by tarnation
Sun Oct 29, 2017 8:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 137
Views: 10739

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I don't like it when people change; pick one and keep it.
by tarnation
Sun Oct 29, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: BCBS v NALC
Replies: 7
Views: 1303

Re: BCBS v NALC

Looked to me like NALC was ~12% cheaper (for enrollemt code 322 vs. 105)
https://www.opm.gov/healthcare-insuranc ... s-ffs.pdf
Fyi We are on GEHA HDHP. Last I ran numbers was a really good deal.
by tarnation
Wed Oct 18, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70534

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I'm guessing the SPDR core funds are loss leaders According to State Street, "Each one of these ETFs is profitable at the current prices. " http://www.etf.com/sections/features-and-news/behind-state-streets-aggressive-fee-revamp Well i guess it is cheaper when you only buy the top of the market. Lo...
by tarnation
Wed Oct 18, 2017 5:10 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 70534

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I have a Brokerage window through 401(k) so can't move accounts and am still parsing through stuff to figure out the path forward. One thing I will have to revisit is the "Systematic Transaction Form for Mutual Funds". It allows you to set up periodic purchases to Mutual funds for no fee. I haven't ...
by tarnation
Wed Apr 19, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43418

Re: Improving the TSP [for current participants]

But I'm really mystified about why they don't offer two-factor authentication. I've asked them about this, and was told that they plan to implement it in the future, but it's been a few years and I haven't heard anything further on this. I'd be surprised if they need Congressional authorization to ...
by tarnation
Mon Apr 17, 2017 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: TSP: G Fund in lieu of the F Fund
Replies: 17
Views: 3205

Re: TSP: G Fund in lieu of the F Fund

Total bond (as a proxy for F) is about 2.5% YTM. G fund is 2.375%. So you have to add another 6 years of duration, take on credit risk, convexity risk,etc. for another 0.125% ? Doesn't seem like a good deal to me.
by tarnation
Mon Apr 17, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: [Trust help needed - Have K-1 but no cash]
Replies: 5
Views: 690

Re: Trust help received K-1 but no cash

And if you don't mind me asking... how did your resolution go? Did you have to go to court? Depositions? Subpoenas? Did you get your K1 back payments? For how many years? And are you getting distributions now? I'm just wondering what to expect, I've got 10 years of statements showing maleficence, w...
by tarnation
Mon Apr 17, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Trust help needed - Have K-1 but no cash]
Replies: 5
Views: 690

Re: Trust help received K-1 but no cash

Thanks for the prompt reply, seeing as this bad boy is a multi-year conversation... I'm hearing you, but I'm a Trustee here, I have to try my best in order to avoid litigation in the future (statute of limitations is usually 4 years, but this is different). I didn't realize you were a Trustee, then...
by tarnation
Sun Apr 16, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Trust help received K-1 but no cash
Replies: 52
Views: 12418

Re: Trust help received K-1 but no cash

one other word of caution. It is funny that this thread was revived now. I just (as in this last week) received my final monthly bill from our attorneys representing us on this trust/estate litigation. It was way longer and more expensive than I ever imagined. I would rather have had a Ferrari. :oops:
by tarnation
Sat Apr 15, 2017 10:46 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 6363

Re: Larry Swedroe on Understanding Different Types of Risk

look like you guys ran Larry off. I had reported some of the replies in one thread, since I thought they were just disrespectful. Somebody deserves to get banned.
by tarnation
Mon Apr 10, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting Vanguard divs on etfs??
Replies: 1
Views: 518

Reinvesting Vanguard divs on etfs??

This is my fist transactions since my VG Roth IRA became a brokerage account. I bought VNQI, and wanted to reinvest divs. I found the account level option and then found the individual holding option, but the ETF was left grayed out so that I couldn't select it. How do you get this done? Do I just h...
by tarnation
Sun Apr 09, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43418

Re: Improving the TSP [for current participants]

Many thanks to both of you! :beer I need to go look up how the limitations on fund swaps work, but my (hazy) memory says that the first two count against you, no matter whether they are non-G to G or G to non-G. After that, you can only do non-G to G. I'll go dig that up. https://www.tsp.gov/PlanPa...
by tarnation
Sun Apr 09, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds for emergency cash
Replies: 14
Views: 2553

Re: Vanguard funds for emergency cash

Hi, I've about 30k from my emergency cash that are waiting till next year when I'd buy Series I bonds (20k next year and 10k the following year). I'm in higher tax bracket and live in NY state. What would be the best fund to hold this "transient" money @Vanguard in my taxable account. I'm consideri...
by tarnation
Sun Apr 09, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Target retirement income fund - anyone have?
Replies: 7
Views: 1768

Re: Target retirement income fund - anyone have?

well she has until the 18th to get $6500 in Roth for last year and can do $6500 for this year. that's $13K of the $20K. I would do myRA.gov now that you can contribute directly from bank account. best rate going for no risk. edit: And nothing says old school more than savings bond ( which it technic...
by tarnation
Mon Apr 03, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: Peer-to-peer lending as an investment?
Replies: 67
Views: 8526

Re: Peer-to-peer lending as an investment?

larryswedroe wrote:when you invest in LENDX, LENDX owns the loans, has the documents and the title, not lender's club, who is only the servicer. If lender's club failed LENDX would replace them as the servicer, no risk at all there if lender's club were to go bankrupt.
Larry
great. Where can we buy it??
by tarnation
Mon Apr 03, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Target retirement income fund - anyone have?
Replies: 7
Views: 1768

Re: Target retirement income fund - anyone have?

Curious, what kind of account is it in, Roth?
by tarnation
Sun Apr 02, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Peer-to-peer lending as an investment?
Replies: 67
Views: 8526

Re: Peer-to-peer lending as an investment?

Larry,
RMPLX and LENDX don't seem to be available to us retail folks and what I'm hearing you say is going directly to lending club is not enough diversification. So i guess bottom line is, effectively not available at all?
by tarnation
Sat Apr 01, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: low income earner, where to open an IRA
Replies: 11
Views: 1425

Re: low income earner, where to open an IRA

A couple of thoughts, make sure you got the savers credit if you qualified for it (if not file amended returns). Also, if the money was in a Roth IRA, you could get contributions out without penalty if needed. For smaller accounts, there is the myra accounts https://myra.gov/ Could save up to $15K e...
by tarnation
Mon Mar 27, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 28289

Re: Blog on emerging Markets, and investors underweighting them

US used to be an emerging market. Whatever the next "US" is, I want to have bought some early. :)