Search found 9652 matches

by cheese_breath
Mon Sep 28, 2020 3:51 pm
Forum: Personal Investments
Topic: 65 and going to buy a house soon ,,, use my Roth’s ?
Replies: 13
Views: 675

Re: 65 and going to buy a house soon ,,, use my Roth’s ?

Because I’m 65 and if I loose the gains now I probably won’t regain You can lock in the gains and still leave it in your Roth. So how do I lock in the gains and keep in the Roth still earning ? Sell the mutual funds & etfs and put the proceeds in a MM or buy treasuries within the Roth. Money market...
by cheese_breath
Mon Sep 28, 2020 3:12 pm
Forum: Personal Investments
Topic: Extremely low CD rates in Schwab accounts
Replies: 8
Views: 501

Re: Extremely low CD rates in Schwab accounts

So long as you don't exceed the FDIC insurance limit, I don't see any reason why you shouldn't put the money where you get the highest rate.
by cheese_breath
Mon Sep 28, 2020 3:05 pm
Forum: Personal Investments
Topic: Extremely low CD rates in Schwab accounts
Replies: 8
Views: 501

Re: Extremely low CD rates in Schwab accounts

In my teen's Schwab Coverdell, as I'm shifting asset allocation for stability, the best I can get on a CD is 0.15% for a 1-year. I can't see why a brokerage offers much lower rates compared to other online options (like Ally, Marcus etc) which are at 0.6%... Right now Ally is offering a 12-month hi...
by cheese_breath
Mon Sep 28, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to hire a probate attorney in Virginia
Replies: 5
Views: 327

Re: How to hire a probate attorney in Virginia

You could ask your lawyer in Texas if he has a recommendation.. not likely but maybe... That's exactly how I found my lawyer in Texas. My Michigan lawyer belonged to a lawyer's association, and he found a member close to where we were moving in Texas. He didn't know him personally, but apparently t...
by cheese_breath
Sun Sep 27, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5805
Views: 1383634

Re: What Movie Have You Recently Watched?

Oklahoma Crude (Faye Dunaway, George C. Scott) on TouTube
by cheese_breath
Sun Sep 27, 2020 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Premium Increase
Replies: 31
Views: 2139

Re: Medigap Insurance Premium Increase

I notice that there is a huge spread in the Medigap insurance premiums cited in the thread, almost by a factor of 10. What is the reason behind the spread? There are several different plans with different levels of coverage. That influences premiums. Also premiums are affected by age for most plans...
by cheese_breath
Sun Sep 27, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A - Navigating Hospital bills for ER/Hospital/Rehab
Replies: 11
Views: 798

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 cheese_breath
Sun Sep 27, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Starting Medicare & never ending phone calls from uhc
Replies: 21
Views: 1751

Re: Starting Medicare & never ending phone calls from uhc

Every time we change Part D plans we're barraged with calls from the new company wanting to sell us a MA plan. I ignore the calls, but they leave messages on our voicemail wanting us to call back to learn about 'new Medicare coverages we might not know about'. I ignore the voicemails too and delete ...
by cheese_breath
Sun Sep 27, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A - Navigating Hospital bills for ER/Hospital/Rehab
Replies: 11
Views: 798

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

Do you have this?

https://www.medicare.gov/Pubs/pdf/10050 ... nd-You.pdf

Looks like they already updated it for 2021, but it should be close to 2020. Does your dad have a 2020 version?

edit: Unless he signed up to get it online, they should have sent him a hardcopy version.
by cheese_breath
Sat Sep 26, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5805
Views: 1383634

Re: What Movie Have You Recently Watched?

What - nobody watches trash or is it that nobody admits to watching it? Not recently, but I watched the entirety of Jurassic Galaxy, with its truly awful 1990s CGI dinosaurs. It was made in 2018. It was just good enough to keep watching, like a more boring, less funny version of the Land of the Los...
by cheese_breath
Sat Sep 26, 2020 5:30 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5557

Re: Annual oil changes a must? Car maintenance during these times

It making me lean back to doing the oil change myself outdoors. Haven´t done it for 20 years, but it is not difficult if the filter and oil drain plug are accessible while lying on the ground. And you just took me back to the days when oil filters were at the top of the engine, and you didn't need ...
by cheese_breath
Sat Sep 26, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Annual oil changes a must? Car maintenance during these times
Replies: 80
Views: 5557

Re: Annual oil changes a must? Car maintenance during these times

It making me lean back to doing the oil change myself outdoors. Haven´t done it for 20 years, but it is not difficult if the filter and oil drain plug are accessible while lying on the ground. And you just took me back to the days when oil filters were at the top of the engine, and you didn't need ...
by cheese_breath
Sat Sep 26, 2020 2:22 pm
Forum: Personal Investments
Topic: Roth IRA Withdrawal Questions
Replies: 5
Views: 430

Re: Roth IRA Withdrawal Questions

Thank you David and terran. Makes my life a little easier.

edit: And retiredjg
by cheese_breath
Sat Sep 26, 2020 1:35 pm
Forum: Personal Investments
Topic: Roth IRA Withdrawal Questions
Replies: 5
Views: 430

Roth IRA Withdrawal Questions

Age: Very much over 59 Last Roth Conversion: 2015 Roth was totally funded through Roth conversions of tIRAs. No personal contributions. Looking ahead to how I pay DW’s medical expenses, I might want to begin withdrawing from my Roth IRA in the next 2-3 years. With your permission, I’d like to pose a...
by cheese_breath
Fri Sep 25, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5805
Views: 1383634

Re: What Movie Have You Recently Watched?

Just finished my own 19th century British Navy mini-marathon with DVDs from my personal stash. First was the A&E Hornblower series. In eight DVDs it follows the career of Horatio Hornblower (Ioan Gruffudd) from a 17 year old midshipman to post-captain during the Napoleonic Wars. ( In case you don’t ...
by cheese_breath
Fri Sep 25, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Which car to sell first
Replies: 8
Views: 657

Re: Which car to sell first

Unless you really prefer driving one over the other, I'd put them both up for sale and sell the one that gets the best offer . edit: Make that the best deal. Best offer might be interpreted as the highest offer. That's not what I meant. By best deal I consider the expected sale price of each vehicl...
by cheese_breath
Fri Sep 25, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: Which car to sell first
Replies: 8
Views: 657

Re: Which car to sell first

Unless you really prefer driving one over the other, I'd put them both up for sale and sell the one that gets the best offer.
by cheese_breath
Fri Sep 25, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any investment products can guarantee 2-3% annual return?
Replies: 12
Views: 1293

Re: Is there any investment products can guarantee 2-3% annual return?

I would be very suspicious of anything that offers a 2-3% guarantee.
by cheese_breath
Thu Sep 24, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Bogleheads knows how many Echo devices I have
Replies: 66
Views: 3078

Re: Bogleheads knows how many Echo devices I have

Ask Siri and see if she knows.
by cheese_breath
Wed Sep 23, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Are you taking 2020 RMD anyhow?
Replies: 25
Views: 2083

Re: Are you taking 2020 RMD anyhow?

What I mean is there is no RMD for 2020. You could calculate what the RMD would have been if it hadn't been waved, and withdraw that precise amount. But it still isn't an RMD. Why would you withdraw to taxable (unless you needed the money for living expenses) when you could convert that amount inst...
by cheese_breath
Wed Sep 23, 2020 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are you taking 2020 RMD anyhow?
Replies: 25
Views: 2083

Re: Are you taking 2020 RMD anyhow?

AAA wrote: Wed Sep 23, 2020 2:23 pm
cheese_breath wrote: Wed Sep 23, 2020 1:27 pm You can choose to take, or not take any amount. Maybe you should make your title non-RMD specific.
Huh?
What I mean is there is no RMD for 2020. You could calculate what the RMD would have been if it hadn't been waved, and withdraw that precise amount. But it still isn't an RMD.
by cheese_breath
Wed Sep 23, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Are you taking 2020 RMD anyhow?
Replies: 25
Views: 2083

Re: Are you taking 2020 RMD anyhow?

You can choose to take, or not take any amount. Maybe you should make your title non-RMD specific.
by cheese_breath
Wed Sep 23, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Dental practice billing
Replies: 34
Views: 2614

Re: Dental practice billing

tenkuky wrote: Tue Sep 22, 2020 3:06 pm ...taking high resolution photographs of my face in profile and frontal...
Mug shots? Better pay your bill unless you want your pictures displayed in the post office. :P
by cheese_breath
Tue Sep 22, 2020 9:12 am
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7295

Re: Why buy medical insurance ?

Read my signature line. We all have opinions, but nobody will know the real answer until you guys reach Medicare age. My DW had a lot of medical issues. I expected that someday she might have a heart attack or other sudden event, spend maybe a week or so in a hospital, and then she'd be gone. I nev...
by cheese_breath
Mon Sep 21, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7295

Re: Why buy medical insurance ?

Read my signature line. We all have opinions, but nobody will know the real answer until you guys reach Medicare age. My DW had a lot of medical issues. I expected that someday she might have a heart attack or other sudden event, spend maybe a week or so in a hospital, and then she'd be gone. I neve...
by cheese_breath
Mon Sep 21, 2020 11:22 pm
Forum: Personal Investments
Topic: Help Managing Father's Finances
Replies: 13
Views: 1286

Re: Help Managing Father's Finances

How good is his medical insurance? Will his monthly expenses continue at about $11K/month, or are large medical expenses likely? Possibly a nursing home?

Given four year life expectancy are you investing for these, or are you investing for the heirs?
by cheese_breath
Mon Sep 21, 2020 11:14 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7295

Re: Why buy medical insurance ?

beyou wrote: Mon Sep 21, 2020 11:08 pm
cheese_breath wrote: Mon Sep 21, 2020 11:07 pm $240K might be fine if you need it at age 64 and 11 months. But what if you need it three months from now?
I would not retire early if I didn’t have $240k now.
Then why did your OP refer to setting aside $2K per month over the next decade?
by cheese_breath
Mon Sep 21, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: Why buy medical insurance ?
Replies: 113
Views: 7295

Re: Why buy medical insurance ?

$240K might be fine if you need it at age 64 and 11 months. But what if you need it three months from now?
by cheese_breath
Mon Sep 21, 2020 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6511

Re: In-network provider refusing service if we use insurance

marcopolo wrote: Mon Sep 21, 2020 10:30 pm ... I wish insurance companies and Medicare/Medicaid would reimburse at higher rates so more physicians would accept such patients. ...
Are you willing to pay higher Medicare taxes? Are you willing to pay higher insurance premiums?
by cheese_breath
Mon Sep 21, 2020 9:45 pm
Forum: Personal Consumer Issues
Topic: Your recent experience of visiting a dentist
Replies: 63
Views: 4221

Re: Your recent experience of visiting a dentist

Two or three months ago. They made me wait in the car, came out to get me when they were ready, and took me in the back door. Asked me the normal Covid questions, took my temp, and made me swish some awful tasting stuff around in my mouth for 30 seconds. Everybody except me was completely covered......
by cheese_breath
Mon Sep 21, 2020 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6511

Re: In-network provider refusing service if we use insurance

cw35 wrote: Mon Sep 21, 2020 5:05 pm This is a guess on my part, but maybe this procedure is not included on the negotiated fee schedule (not included in the existing contract)....
From OP's post it appears it is covered.
by cheese_breath
Mon Sep 21, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6511

Re: In-network provider refusing service if we use insurance

We're in NY if that helps. I'll definitely be calling in to insurance first thing in the morning to discuss this and have no problem filing a complain regarding this provider. Good. Sometimes if there are enough complaints against doctors the insurance companies might terminate their contracts, res...
by cheese_breath
Mon Sep 21, 2020 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: In-network provider refusing service if we use insurance
Replies: 122
Views: 6511

Re: In-network provider refusing service if we use insurance

Get a different doctor, and file a complaint with the insurance company.
by cheese_breath
Mon Sep 21, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Beneficiary Modification
Replies: 54
Views: 2285

Re: Trust Beneficiary Modification

Lawyer to review the language of the trust to see if what you want to do is possible.
by cheese_breath
Mon Sep 21, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: Spammer using my email as address
Replies: 17
Views: 1303

Re: Spammer using my email as address

Get a new Email address and cancel that one.
by cheese_breath
Sun Sep 20, 2020 1:56 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12919

Re: Grocery store didn't tell me Shingrix was $160

I think thr real issue is sticker shock -- the OP knew there may be a cost, but had assumed it was $30 or less like common vaccines. People use that term now, but I thought you had had to have a sticker or way to see it ahead of time, not after the fact. Maybe OP missed all the stickers or someone ...
by cheese_breath
Sun Sep 20, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Answering Survey Questions Regarding Income
Replies: 16
Views: 1160

Re: Answering Survey Questions Regarding Income

I don't respond to such surveys. I don't respond to political surveys either. Although like adamthesmyth I do respond to the US census.
by cheese_breath
Sat Sep 19, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor disclosure and consent
Replies: 48
Views: 3370

Re: Doctor disclosure and consent

The same thing happened to me last year at my dermatologist, but insurance paid for all of it. Medicare paid their share, and my supplementary paid the rest. With Medicare, if it isn't covered the provider should give you an Advanced Written Notice / Advanced Beneficiary Notice beforehand to allow ...
by cheese_breath
Sat Sep 19, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 197
Views: 12919

Re: Grocery store didn't tell me Shingrix was $160

Northern Flicker wrote: Sat Sep 19, 2020 3:32 pm I think thr real issue is sticker shock-- the OP knew there may be a cost, but had assumed it was $30 or less like common vaccines.
The real issue is she or hubby should have asked.
by cheese_breath
Sat Sep 19, 2020 12:15 pm
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13686

Re: Losing Money with Index Funds

pkcrafter wrote: Sat Sep 19, 2020 12:12 pm ...As the Sgt on the old Hill Street Blues show used to say at the end of each episode, "Let's be careful out there."...
At the beginning, just as he sent the cops out to hit the steets.
by cheese_breath
Sat Sep 19, 2020 11:45 am
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13686

Re: Losing Money with Index Funds

I'm curious as to why the question is specific to index funds. Are you implying you might have lost less in active funds? I only have index funds. VTSAX, VBTLX and VFIAX...I just recently opened my Vanguard account and am a complete beginner. :o OK. Well then, you can lose money in almost any inves...
by cheese_breath
Sat Sep 19, 2020 11:28 am
Forum: Personal Investments
Topic: Losing Money with Index Funds
Replies: 149
Views: 13686

Re: Losing Money with Index Funds

I'm curious as to why the question is specific to index funds. Are you implying you might have lost less in active funds?
by cheese_breath
Sat Sep 19, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Without a requirement for RMD's in 2020, are you still going to make your QCD's?
Replies: 27
Views: 1970

Re: Without a requirement for RMD's in 2020, are you still going to make your QCD's?

Of course I will. The primary intent is to give to the charity. QCDs are just frosting on the cake.
by cheese_breath
Sat Sep 19, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Doctor disclosure and consent
Replies: 48
Views: 3370

Re: Doctor disclosure and consent

BionicBillWalsh wrote: Fri Sep 18, 2020 11:52 pm
cheese_breath wrote: Fri Sep 18, 2020 2:49 pm I was 'sprayed' a few months ago, and Medicare covered it all.
At least you weren't neutered as well.
Be careful not to confuse sprayed with spayed when you visit your doctor.
by cheese_breath
Fri Sep 18, 2020 7:38 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 5938

Re: Ring for a new girlfriend

...Unless you two are exactly on the same page, a ring box will cause terror or great hope about to be dashed. Doesn't sound like either of those is what you are trying to do... I gave a ring to DW #1 when we were dating, and she acted like she thought I was proposing. (That came later.) After I ex...
by cheese_breath
Fri Sep 18, 2020 3:47 pm
Forum: Personal Investments
Topic: My sister — should some of her money be invested?
Replies: 19
Views: 1935

Re: My sister — should some of her money be invested?

Honestly, at this stage of her life, safe and simple is the way to go. Also making sure her affairs are in order, including a durable power of attorney with medical power. Durable Power of Attorney, Medical Power of Attorney, HIPAA Authorization. All three if you're going to be responsible for her ...
by cheese_breath
Fri Sep 18, 2020 3:07 pm
Forum: Personal Investments
Topic: Extra $180/Month after Refinance. Where does it go?
Replies: 22
Views: 2436

Re: Extra $180/Month after Refinance. Where does it go?

Invest it so you can retire earlier?
by cheese_breath
Fri Sep 18, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Anyone REGRET retiring too soon?
Replies: 67
Views: 13054

Re: Anyone REGRET retiring too soon?

No regrets here. My ultimate career goal had always been to retire.
by cheese_breath
Fri Sep 18, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor disclosure and consent
Replies: 48
Views: 3370

Re: Doctor disclosure and consent

I was 'sprayed' a few months ago, and Medicare covered it all.