Search found 808 matches

by Mitchell777
Sat Oct 21, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 27
Views: 2106

Re: Why not switch from Medigap F to G now?

Hmmm, so weird that my change to G needed underwriting. I did have some emergency room *events* while on plan f. I wonder if the insurer was just probing to see if something serious was going on? But it was nothing covered by the 10 or so questions they asked. Why might an insurer want medical unde...
by Mitchell777
Sat Oct 21, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 26
Views: 4568

Re: Letter from CC company (Discover) re: current income

I received one on a MasterCard. They wanted to make sure my credit limit was correct. I'm fine with the limit I have. I ignored it.
by Mitchell777
Wed Oct 18, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 27
Views: 2106

Re: Why not switch from Medigap F to G now?

BH forums come through again. Spoke with an AARP/UHC rep. this afternoon. Was told that I can switch from F to G at this time with no underwriting. The monthly premium (11/2017-10/2018 rate) drops from 146.19 to 123.56, which should cover the Part B deductible (183.00 in 2017, not sure about 2018)....
by Mitchell777
Wed Oct 18, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: "Advice-Only In Action: An Interview With Allan Roth"
Replies: 6
Views: 952

Re: "Advice-Only In Action: An Interview With Allan Roth"

Although I have not needed professional help, I can see a time when I may. I've always liked the idea of fee for service. Reading the comment below, I'm wondering how you know up front how much it will cost. How do you know up front how many hours the review will take, or do you just assume the 12 t...
by Mitchell777
Thu Oct 12, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4820

Re: Is there boglehead consensus on buying a car?

It often depends where you are in life. For many years I assumed I had more time left than I had money. Much later, more money than time left. It can really change ones spending habits.
by Mitchell777
Wed Oct 11, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6403

Re: Asking for discounts

When a bit younger I dated a woman whose father was a doctor. They were well off and he did not feel he should ask for a senior discount, so he did not, nor did his wife. Unless he was not present, in which case his wife asked for every discount imaginable. Everyone kept her secret.
by Mitchell777
Tue Oct 10, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare High Earner Premium
Replies: 15
Views: 2265

Re: Medicare High Earner Premium

Thank you for the SSA-44 form. I will sign up for Medicare in late 2018 for the first time (retired in 2017). I believe that means my initial IRMAA fee will be based on 2016 tax information. Since I am not collecting SS, I assume I will not be pre-notified about the IRMAA fee. Couple questions pleas...
by Mitchell777
Sun Oct 08, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2196

Re: Medigap Policies--So Much Conflicting Information

I guess my concern about Plan F is that the group has no new (younger) members after 2020 and the group gets sicker. Rates increase significantly as the healthier members leave since they pass underwriting. Others could get stuck with very high rates and maybe can't get out.
by Mitchell777
Sun Oct 08, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2196

Re: Medigap Policies--So Much Conflicting Information

So, if you choose original Medicare plus Plan F, should you want to change Plans (from F to another Plan with same insurer) OR Insurers (from current insurer for F to different insurer for Plan F - actually I guess you'd need to change insurer AND Plan since F goes away in 2020), you may or may not ...
by Mitchell777
Sat Oct 07, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2196

Re: Medigap Policies--So Much Conflicting Information

I had forgotten that Plan F was going away in 2020 for new enrollees. So, the pool of people will get sicker and sicker. I know F has a few ways to price, one being age related. I saw some numbers in my area for one insurer where F was $212 at 65 and $350 at age 80 (not the high deductible version)....
by Mitchell777
Tue Oct 03, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3533

Re: Equifax to offer free “credit freeze” for life

I caught some of today's congressional testimony. The former Equifax CEO, in my opinion, seemed to be having a little difficulty explaining the difference between the new lock and freeze offering.
by Mitchell777
Sun Oct 01, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze fees - taxable service in PA
Replies: 5
Views: 587

Re: Credit freeze fees - taxable service in PA

I was also charged $10.70 by Experian. My guess is they added $0.10 for a local tax that should not have applied to me. Transunion did not charge me anything for the freeze. I had expected to pay for both Transunion and Experian. No charge from Equifax of course
by Mitchell777
Sat Sep 30, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 1997

Re: How Safe are Stable Value Funds

This was a long time ago but one of my 401K stable value funds was frozen, just partially, because one of the insurers went bankrupt. We eventually got all our money back but it took a couple years and we were told the outcome was uncertain. I still have a good bit of my 401K funds in stable value ...
by Mitchell777
Sat Sep 30, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 1997

Re: How Safe are Stable Value Funds

This was a long time ago but one of my 401K stable value funds was frozen, just partially, because one of the insurers went bankrupt. We eventually got all our money back but it took a couple years and we were told the outcome was uncertain. I still have a good bit of my 401K funds in stable value b...
by Mitchell777
Tue Sep 26, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10298

Re: Retirees, what is your marginal tax rate?

Retired recently. Not yet taking SS or any retirement plan distributions. Just looked at this yesterday and not sure how I can get into a 15% marginal bracket unless I'd move a good bit of fixed income (FI) into tax free bonds. I've always put as much fixed income as possible into IRA/401K, and sto...
by Mitchell777
Mon Sep 25, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8369

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

I posted yesterday but do not think it went through. I would suggest getting two or three opinions. Ask doctors who they would have do their similar surgery if their partners could not do it. I've had interesting, and informative, responses. Just recently, before I could ask, the doctor told me he h...
by Mitchell777
Sun Sep 24, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10298

Re: Retirees, what is your marginal tax rate?

Sidney wrote:
Sat Sep 23, 2017 4:47 pm
Mitchell777 wrote:
Sat Sep 23, 2017 4:33 pm
Trying to figure out how I may get to the 15% maginal bracket.
From which direction?
Since I maxed out on 401K/IRA for over 30 years and have most of my investments outside of those plans, the question was to get to 15% from a higher marginal rate.
by Mitchell777
Sat Sep 23, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10298

Re: Retirees, what is your marginal tax rate?

Do the retired people in the 15% marginal bracket have the majority of their investments (% of value) in tax deferred plans such as 401K/IRA? I maxed out in my 401K and IRA's for over 30 years but have over 60% of my investments outside of my retirement plans. Maybe part of that because I had equiti...
by Mitchell777
Sat Sep 23, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10298

Re: Retirees, what is your marginal tax rate?

Retired recently. Not yet taking SS or any retirement plan distributions. Just looked at this yesterday and not sure how I can get into a 15% marginal bracket unless I'd move a good bit of fixed income (FI) into tax free bonds. I've always put as much fixed income as possible into IRA/401K, and stoc...
by Mitchell777
Thu Sep 21, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit freeze or fraud alert?
Replies: 18
Views: 1220

Re: Credit freeze or fraud alert?

I went with the freeze. I have considered it for a few years and the latest situation put me over the edge. I'd rather not find out after a fraudulent data pull. Also, this is the third or fourth such situation I've been through, one with my employer. Another two or three with my mother. Recently in...
by Mitchell777
Thu Sep 14, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11352

Re: Anyone else freeze their credit score?

I don't like putting in my social without encryption and how do you feel when filling out paperwork for every new doctor / dentist office? :annoyed Perhaps it is required for government healthcare programs but I never give SS number at doctor/dentist office. Last week I registered at a surgery cent...
by Mitchell777
Sat Sep 09, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32560

Re: Can't freeze credit at Experian?

Last time I tried to check my credit reports, two of the three would not allow me to do it on-line and requested I send info through the mail. Had the same problem with my mother's credit reports
by Mitchell777
Fri Sep 01, 2017 9:08 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17032

Re: [Are the Bogleheads] getting less interesting?

Many years ago I subscribed to Money mag, and later Worth Mag. I enjoyed them both but after a couple years it seems like I was reading the same thing over and over. Reason was I learned what I could as a beginner. Also as I leaned more toward indexing, reading analyses regarding the hot funds was o...
by Mitchell777
Wed Aug 30, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: What does Medicare REALLY Cost Wealthy Seniors
Replies: 24
Views: 2244

Re: What does Medicare REALLY Cost Wealthy Seniors

Hope I'm wrong but I'm guessing the tiers are not indexed for inflation. If they are not, one can be bumped up a tier or two depending on future inflation.
by Mitchell777
Tue Aug 29, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2362

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

One of the best bits of advise I rec'd from my elder law attorney was to find a facility close to my home. That sounds like it may not be the case in your situation. Reason he suggested that was it was easier for me to be there 3 or 4 times a week. In my experience, even the best facilities can have...
by Mitchell777
Tue Aug 29, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2362

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

I would suggest a consultation with an elder law attorney. Perhaps doubtful any money can be saved at this point but consultations are often at no charge so you can decide if legal services are needed mid to long term. Even if you pay for a consultation it's worth it. Also attorneys that do only eld...
by Mitchell777
Fri Aug 25, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 43
Views: 6219

Re: I've fallen and I can't get up -- recommendations?

i've convinced my dad he needs one of those "i've fallen and i can't get up" devices. he wants one that works off of GPS -- and found one at walmart -- but is balking at the $40 a month monitoring fee (he can afford it but that's another issue). anybody got a recommendation? hopefully one that is a...
by Mitchell777
Mon Aug 21, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Asphalt Repave Cost
Replies: 3
Views: 522

Asphalt Repave Cost

I've researched this but since I have little knowledge other than that,I thought I'd go to me GOTO place (Bogleheads). I have rec'd an estimate on total repave on an existing driveway (800 Sq Ft). Excavate and grade area in prep for paving, removing excess fill etc Fine grade area Install #2A modifi...
by Mitchell777
Fri Aug 18, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 121
Views: 11518

Re: How I use I-ORP, and who shouldn't

Recently retired so giving this issue more thought, although I have planned in the past. Highly likely I will pass with assets at least in high six figures with no heirs. Has anyone confronted the question as to do you consider ROTH conversions (i.e. paying tax early) if your estate goes to tax exem...
by Mitchell777
Fri Aug 18, 2017 4:29 am
Forum: Personal Consumer Issues
Topic: Organ (Music) Question
Replies: 6
Views: 600

Re: Organ (Music) Question

Thanks to all. I looked on sites like Craigslist, in my area, and there were people giving away organs the size of my mother's Lowrey. Some for sale were asking less than $100. I thought the value would be much higher. They looked nice in the pictures, but perhaps they need work which I do not think...
by Mitchell777
Thu Aug 17, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Organ (Music) Question
Replies: 6
Views: 600

Organ (Music) Question

I have a Casiotone MT210 and a Lowery TLO-R (two keyboards) that belonged to my late mother. Both appear to be in nice condition although I do not play the organ. They have not been used in at least 25 years. They may have been bought new but I doubt it since I believe the Lowery is from the 60's or...
by Mitchell777
Tue Aug 15, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6600

Re: Expect to spend $2.6M on healthcare?

If you need nursing home care (not assisted living), and you choose a facility that accepts Medicaid, you need enough money to private pay for 2 or 3 years to get into a "decent" facility. That can be $8K to $12K per month. That number can differ slightly depending on area of the country. After tha...
by Mitchell777
Mon Aug 14, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6600

Re: Expect to spend $2.6M on healthcare?

I read these topics and articles and just laugh every time. I often wonder how many people here take this stuff seriously and are putting off early retirement or retirement in general because of this. You have to be declared indigent before Medicaid starts to pick up the tab on your nursing home bi...
by Mitchell777
Tue Jul 18, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA vs. ACA plan - what to consider?
Replies: 48
Views: 3137

Re: COBRA vs. ACA plan - what to consider?

I'm sure it varies by where you live (ACA). For me, the ACA would have cost $1400 to $1500 per month for one person (no discount) with $1500 to $3000 deductible. If I could have kept my income at $40K/year, it would have cost $500 to $600 per month, and cost less for lower income. COBRA. for me, was...
by Mitchell777
Thu Jun 08, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 2186

Re: Is it possible to only replace sections of a concrete driveway?

I'm sorry I do not know the answer. As answers come in, I'm also wondering if you can replace parts (large areas, not spots) of an asphalt or macadam driveway.
by Mitchell777
Sun May 14, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 41153

Re: Regret early retirement/downsizing

I retired this year so too early to tell perhaps. I do miss people coming to me for advise or guidance. I really miss the people I was close to. I miss being part of the team. On the other hand I noticed quite a few of my former friends and colleagues dying in their 50's and 60's. I've gotten in bet...
by Mitchell777
Wed May 03, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 21338

Re: Buying a luxury car (how dumb would it be to do this?)

If you really want it, and you can afford it, which I believe you can, buy it. It does not matter how others view a car. Only how you view a car, this car. Others will have their own "frivolities" for lack of a better word.
by Mitchell777
Tue Apr 25, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Appealing a bill
Replies: 18
Views: 1563

Re: Appealing a bill

If this is a bill you would simply pay, I respect that. I don't see it that way. Every other consultation I've had, including several with out of town docs at teaching hospitals were 20 minutes or more of face time with the doctor. All the other ancillary things done were done in all those situation...
by Mitchell777
Tue Apr 25, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Appealing a bill
Replies: 18
Views: 1563

Re: Appealing a bill

an_asker wrote:PMed you. All the best! :-)

Thank you. I now see what you mean.
by Mitchell777
Tue Apr 25, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Appealing a bill
Replies: 18
Views: 1563

Appealing a bill

I do not want to discuss any medical issues as this will be cut off. Just a question about appealing a bill. I had an initial consultation with a surgeon for which I was billed $600 ($425 after insurance - in network). No major problem with the amount of the bill. The concern is with the time with t...
by Mitchell777
Fri Mar 31, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4755

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

Bogleheads: I wonder why Vanguard keeps advertising for new customers. When Mr. Bogle was CEO he emphasized low-cost and quality above getting bigger. Best wishes. Taylor I've wondered the same thing. On the one hand it's wonderful that more people have come to Vanguard, many who I've known who wer...
by Mitchell777
Fri Mar 03, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA
Replies: 6
Views: 1001

COBRA

I'm reading on COBRA and not finding a clear answer to this. During the 45 days, or whatever it takes, for me to receive the info to sign up for COBRA, I may need to have medical care I do not want to put off. As I understand, I will need to pay cash at the full price, but later COBRA will cover me ...
by Mitchell777
Fri Mar 03, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review: Newbie w/ $2.8M
Replies: 58
Views: 6958

Re: Portfolio Review: Newbie w/ $2.8M

Here are the rules for SIPC. Being at two different brokerage houses won't increase your limits. http://www.sipc.org/for-investors/investors-with-multiple-accounts Basically, it combines your assets. Yes, your IRA / Roth, are all considered separate. So, don't be too paranoid. You'll lose more from...
by Mitchell777
Mon Feb 27, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare/ACA and Early Retirement
Replies: 16
Views: 1581

Re: Obamacare/ACA and Early Retirement

If Obamacare Exits, Some May Need to Rethink Early Retirement (from The New York Times) This was concerning to me. I was hoping to retire before I turn 63.5, and if any health insurance I can get is paltry, I'll have to work until 63.5 when I can use COBRA to bridge to Medicare. I do not think ther...
by Mitchell777
Wed Feb 08, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29040

Re: Wow, Vanguard Flagship service is bad. Really bad.

I had a somewhat similar situation with a paper stock certificate. It never got to your situation because I was able to tell them I'm driving down so have someone meet me. They had two people there who were very knowledgeable. I like that I'm within driving distance although this is the first time I...
by Mitchell777
Thu Feb 02, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Do ROTH conversion or not?
Replies: 23
Views: 2623

Re: Do ROTH conversion or not?

As I retired I was all set to do Roth conversions up to the top of the 15% bracket until I hit RMD age. Did the first year. Did a partial in the second year (2016) before reality hit. I am lucky to have saved more than I will likely spend even if I live past my target age of 96. Most of my estate w...
by Mitchell777
Thu Feb 02, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Do ROTH conversion or not?
Replies: 23
Views: 2623

Re: Do ROTH conversion or not?

Isn't a significant question, do you have heirs or will your money go to charities?
by Mitchell777
Wed Feb 01, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Buying CDs: Do I need to open a bank account?
Replies: 4
Views: 481

Re: Buying CDs: Do I need to open a bank account?

I've purchased many CD's over the years from local banks and credit unions. Often the credit unions required a small account, often as small as $5.00 in order to open the CD. Sometimes the banks may offer a .25% increase in the rate if you open an account, last one was $1K for the additional .25% on...
by Mitchell777
Fri Jan 27, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 32
Views: 2372

Re: Warning: Max out 401k early - lose some of the match

My employer does the same. My earnings vary based on bonus and I need to review it toward the mid to end of the year every year. I don't like it and never understood the need for doing it that way - seems a work-around should be possible since my other employer did not do this.
by Mitchell777
Fri Jan 27, 2017 2:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 10750

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Taylor - I'm 30 years younger and don't look as good as you! Happy 93rd!