Search found 130 matches

by gtg970g
Fri Nov 15, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Right click to re-open closed tab/window not working ?
Replies: 11
Views: 806

Re: Right click to re-open closed tab/window not working ?

The most recent Chrome update eliminated some menu options when you right click on your tab. The keyboard shortcut for reopening a closed tab is ctrl+shift+t. I miss the close all other tabs menu option and don't think there is a keyboard shortcut for this function.
by gtg970g
Mon Nov 11, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11488

Re: Saving seats on Southwest

This is an age-old debate among frequent travelers. People can save seats on WN, which you should view as more of a strong request. You can override them and sit there anyway. You can then save the middle beside you by crumpling up some tissues and putting them on your tray table, coughing, and avo...
by gtg970g
Wed Oct 30, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12674

Re: Apple Pay. Does anyone use it?

Do credit card processors get all the necessary information to properly assign CC rewards when the consumer uses Apple Wallet? I've always been under the impression that this information was not passed through so there was a chance the consumer would loose out on some CC rewards for categories rewar...
by gtg970g
Tue Oct 29, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 9304

Re: How much do you plan to spend on your children's weddings?

This is coming from someone who is planning a wedding. When you say that you are upper middle class, it seems you have this idea that you need to spend a certain amount. I wonder if you've asked your sons and their partners what it is that they want. This. And respect their answer. My wife and I wo...
by gtg970g
Mon Aug 05, 2019 9:24 am
Forum: Investing - Theory, News & General
Topic: The Super rich are selling stocks...
Replies: 13
Views: 3625

Re: The Super rich are selling stocks...

Jack FFR1846 wrote:
Mon Aug 05, 2019 8:19 am
....because real estate never drops, right?
My first thought as well.
by gtg970g
Mon Jul 08, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce and pension/401k/IRA split
Replies: 31
Views: 2883

Re: Divorce and pension/401k/IRA split

In addition to the great information already provided keep in mind that your social security benefits could be reduced if you are also eligible for a retirement pension. The details matter but you should research whether this would be the case should you collect a portion of your soon to be ex wife'...
by gtg970g
Mon Jul 01, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 7212

Re: Frontier or Spirit Airlines

We fly Frontier on a regular basis to visit family in the bay area. It is MUCH cheaper than the legacy carriers even with fees added. We understand the risk of flight cancellations but it is worth the risk for us since at worst we would be stuck with family (or at home) a few extra days (we only tak...
by gtg970g
Fri Jun 28, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: A will and someone on disability
Replies: 12
Views: 1149

Re: A will and someone on disability

If he is on SSI, then there is a possibility that providing a rent free place to live could cause a reduction in his benefits. SSI is needs based and so you have to be very careful to stay within the rules of the program. If he is on SSDI, none of this would matter as SSDI is based on prior work re...
by gtg970g
Wed Jun 26, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Tax planning for NJ - transferring assets from parents to children
Replies: 16
Views: 1089

Re: Tax planning for NJ - transferring assets from parents to children

Seems like it could be ideal for your parents to sell the real estate and pay tax on any gains & depreciation recapture while they are in a low tax bracket. This could temporarily kick them out of medicaid but then they could invest the proceeds in a few tax efficient index funds and re-qualify for ...
by gtg970g
Tue Jun 18, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: SNT (special needs trust) vs. Periodically funding ABLE with another source (regular trust? 529?)
Replies: 17
Views: 937

Re: SNT (special needs trust) vs. Periodically funding ABLE with another source (regular trust? 529?)

I'm interested in the replies of others as we have a 4 y/o with significant delays who will be in our care for the duration of his life. In a hypothetically perfect world where your other child would fulfill your wishes perfectly I suppose there would be no need for a SNT. Unfortunately there is no ...
by gtg970g
Tue Jun 04, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paying half of my paycheck on health insurance?
Replies: 63
Views: 4896

Re: Paying half of my paycheck on health insurance?

If you are healthy you may want to check into getting a short term medical policy. These policies do not meet ACA minimum requirements and can only cover you for < 1 year but they could meet your needs if you only need catastrophic care. You may be eligible for ACA subsidies if your coverage through...
by gtg970g
Fri May 31, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Working for the Airlines - Value of Free Travel
Replies: 62
Views: 5502

Re: Working for the Airlines - Value of Free Travel

The value of this for family travel seems pretty low. For a single traveler it could be quite valuable. I had a friend working at Delta who went to work every Friday two carry-on bags packed, one for cold weather and one for warm.
by gtg970g
Wed May 22, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 26
Views: 4209

Re: Remind me why we have Medicare supplement

A friend of mine had a heart surgery a few years ago. The total bill came out over $1.3 MM (million). Calculation: 20% of $1.3 MM = $260K. It’s 20% of the Medicare allowable, not 20% of inflated charges. Still, a lot of money. Also the 20% copay is only on the doctor's portion of the bill. Hospital...
by gtg970g
Mon Apr 22, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Best pillow under $50?
Replies: 33
Views: 2817

Re: Best pillow under $50?

We have used the same 2 latex pillows for 7+ years now but don't recall the brand or cost. We travel with them and I cannot go back to a typical pillow.
by gtg970g
Wed Apr 17, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 13982

Re: Can I semi-retire now?

People openly discuss how they purposely lower their taxable income to get free healthcare. Good point about ACA. I've looked into whether I could qualify. No luck so far. But ACA is not a zero sum game. Parents who game the college financial aid process are in a very real sense shifting aid from d...
by gtg970g
Mon Apr 15, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed thinking through issues re: child’s disability
Replies: 22
Views: 2056

Re: Help needed thinking through issues re: child’s disability

You may want to double check the treatment of traditional 529 plans when it comes to assets counted towards medicaid. It is my understanding that these assets do not count since the child is the beneficiary, not the owner. Also, as you state the first 100k in an Able 529 do not count against Medicai...
by gtg970g
Mon Apr 08, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 5950

Re: Solution for a thick wallet

I have a pocket attached to my cell phone case where I carry ID, credit card x2, and Costco card. Everything else I need is available digitally.
by gtg970g
Fri Apr 05, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Family flying - picking seats at booking
Replies: 75
Views: 5482

Re: Family flying - picking seats at booking

Major carriers charging for seats actually makes the discount (Frontier, Spirit) carriers that much more attractive to me. We have never had an issue being seated together on Frontier even with a group of 6 because so many of the passengers are flying with family and not requesting single aisle/wind...
by gtg970g
Wed Apr 03, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: "Stop Asking Kids What They Want to Be When They Grow Up"
Replies: 25
Views: 2009

Re: "Stop Asking Kids What They Want to Be When They Grow Up"

I like the joke that adults ask kids this question because the adults are looking for ideas for themselves. I don't think anything is inherently wrong with the question and it's a relevant topic to ponder as a kid is working towards moving into the workforce. I like to ask my 6 y/o son what his favo...
by gtg970g
Mon Apr 01, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Family flying - picking seats at booking
Replies: 75
Views: 5482

Re: Family flying - picking seats at booking

Southwest is great unless you have a tight connection. For your second leg you would likely be boarding after the majority of the plane has already boarded and you will be forced to ask people to swap seats. We never select seats on Frontier and have always been seated together (group of 4-6) althou...
by gtg970g
Fri Mar 29, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Best car seat for air travel
Replies: 30
Views: 1720

Re: Best car seat for air travel

We use our Diono Radian on trips as well as at home. It weighs a ton but we roll it on top of a roller bag and it's not an issue. We don't use it on the plane so it's checked through to our destination which is free on all airlines. Diono make a bag it fits in that has shoulder straps for carrying b...
by gtg970g
Thu Mar 28, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Why are used cars now so expensive?
Replies: 63
Views: 5780

Re: Why are used cars now so expensive?

This could be specific to the type of car you are looking to buy. 2-3 year old used sedans seem to be a decent deal. I just picked up a 2017 yesterday for about 40% less than the new model. The 2017 has all the safety feature of the current model with no recent redesign.
by gtg970g
Thu Mar 28, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Those of You Having Medigap Plan F More than 5 Years
Replies: 40
Views: 2654

Re: Those of You Having Medigap Plan F More than 5 Years

Sounds like you have an insurance background (?) Do you have an opinion on giving any weight to choosing non-profit (the "Blues") over traditional insurers for Medicare? Any long-range potential for lower premiums? Or is that idea just a thing of the past, given that our health care system is broke...
by gtg970g
Wed Mar 27, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Those of You Having Medigap Plan F More than 5 Years
Replies: 40
Views: 2654

Re: Those of You Having Medigap Plan F More than 5 Years

Specifically, can the company use only the specific loss ratio for a Plan when setting rates? Or, say, a big company that offers maybe 6 or 7 of the various plans, can they just lump together the loss ratios for all Plans, then say, okay, we will spread this over all Plans in calculating the annual...
by gtg970g
Mon Mar 25, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Nice men's jeans
Replies: 53
Views: 3785

Re: Nice men's jeans

KlingKlang wrote:
Mon Mar 25, 2019 9:55 am
I purchased my last two pairs of jeans (regular fit and fleece lined) at Costco for under $20 each and I haven't been thrown out of a restaurant yet.
My Costco only carries even number waist sizes and unfortunately I fall between two of the sizes.
by gtg970g
Mon Mar 18, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Age for starting kindergarten
Replies: 61
Views: 4226

Re: Age for starting kindergarten

I’m not sure if you’re talking about advancing in one subject a student who has generally been held back, but I know that a decent number of kids in our district’s talented and gifted programs are a year older than required for their grades. I have questioned whether that’s an appropriate use of “T...
by gtg970g
Fri Mar 15, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2711

Re: Life insurance

It seems like there are a number of advantages to the laddering: less underwriting headaches since the insurance amount is less and would even allow to use two different companies if desired. Any rules of thumb for setting up a policy ladder? Some insurance companies will waive the policy fee for a...
by gtg970g
Tue Feb 12, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 4309

Re: Passport Photos ?

We can apply for a passport at the County Courthouse and they take a photo for $10. That said we took our own photo of our 9 month old and printed it at CVS since we knew he would not cooperate with a photographer. We used a free app and everything worked well. The passport application is very parti...
by gtg970g
Tue Feb 05, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: How exactly are eligible deaths determined for term life insurance
Replies: 27
Views: 1875

Re: How exactly are eligible deaths determined for term life insurance

I've investigated hundreds of suicides and only remember three of the deceased having life insurance. Hundreds is a lot. What location do you practice law enforcement at? Suicide is far more common than you would believe. I interned in a medical examiners office during college and it was eye openin...
by gtg970g
Thu Jan 31, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Baby Year One Medical Expenses? (HSA/High Ded Plan)
Replies: 26
Views: 1020

Re: Baby Year One Medical Expenses? (HSA/High Ded Plan)

No this isn't a big money saving scheme at the expense of my wife's comfort. She prefers to have a home birth. She isn't entirely comfortable with the hospital environment and wants a "warmer" experience, bringing the baby into the world in the comforts of our own home vs a medical facility. I'm no...
by gtg970g
Thu Jan 24, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 5524

Re: Will Medigap plan F become a 'death spiral'?

Long term the experience in plan F will likely worsen but in the short to medium term I would actually expect it to improve. The plan will only be open to enrolees eligible as of 1/1/2020 so ALL new applicants will be underwritten which will decrease overall claim costs. Over time the pool of health...
by gtg970g
Tue Nov 06, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Tips on alleviating caffeine withdrawal symptoms?
Replies: 18
Views: 1428

Re: Tips on alleviating caffeine withdrawal symptoms?

If you go cold turkey choose a day when you have the ability to take a nap. I'm not a napper but when I stop drinking caffeine the first day or two a nap really helps.
by gtg970g
Mon Aug 06, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Baby on way: life insurance Qs
Replies: 27
Views: 1749

Re: Baby on way: life insurance Qs

You may be underestimating the cost of child care or maybe you have a very large vacation budget. It is not unusual for child care to run $1k a month per child so imagine paying $24k a year for a few years plus the cost of summer and after-school care once kids are older. I agree it is wise to purch...
by gtg970g
Fri Aug 03, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4983

Re: Gated communities pros and cons? (Atlanta or anywhere.)

My main problem with gated communities is that they are universally in locations I wouldn't want to live. Regarding Atlanta specifically, you won't have a problem with crime if you live in a nice area regardless of whether or not there's a gate. This so much. I strongly suggest choosing a place to ...
by gtg970g
Wed Jul 25, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Where can I rent a Volvo?
Replies: 21
Views: 1940

Re: Where can I rent a Volvo?

Buy through Carvana, they have a 7 day return policy.
by gtg970g
Wed Jul 25, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Job vs term life insurance
Replies: 35
Views: 3294

Re: Job vs term life insurance

JoeRetire wrote:
Wed Jul 25, 2018 8:04 am

"Total Gross" on your paycheck doesn't include company-paid benefits.
Employees are taxed based on an IRS prescribed value for life insurance policies with face amount over 50k which is why some companies only offer up to 50k in employer paid insurance.
by gtg970g
Tue Jul 24, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 72
Views: 9228

Re: I want to sell my home, but I don't want to fix it up

The intermittent leak is complicated because I do not know the source. I think it's the deck but the only way I'd know for sure is to pull out all the wooden planks and take a look. And then God only knows how much water damage has already occurred. There are other problems that -- for reasons of b...
by gtg970g
Fri Jul 20, 2018 11:11 am
Forum: Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14775

Re: Should I Dump a Pile of Money on Young Son?

Gifts above the annual limit ($15k) do not get taxed unless the cumulative exceeds $5.6 million. You just have to file a form. If OP is worried about hitting the estate tax limit it would be best to keep gifts below the annual limit. Any gift above annual limit counts against estate tax limit. If O...
by gtg970g
Thu Jul 19, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1619

Re: Medicare Supplement question re Guarantee Issue

It is not clear what your Firm's medicare supplement plan is and why it would automatically terminate at the end of 2022. Plans C & F will not terminate, rather enrollees who are medicare eligible after 12/31/2019 will not be able to enroll in these plans.
by gtg970g
Fri Jul 13, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help with No-Lapse Guarantee UL
Replies: 22
Views: 1187

Re: Help with No-Lapse Guarantee UL

Thank you for the detailed explanation. Few follow-up questions 1. Is it correct to interpret that if the insured pays $93,760 in total premiums, the policy will pay guaranteed death benefit per table2. 2. Can the company change the total premium amount to be higher than $93,760? 3. How can I calcu...
by gtg970g
Fri Jul 13, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 317
Views: 38758

Re: Concierge medicine Worth It????

Two points: Teaching hospitals - my father has stage 4 pancreatic cancer and his oncologist teaches at one of the best known teaching hospitals. One issue you may find is that your doctor sees patients only one day a week, and may be very difficult to reach on other days. You may find yourself visi...
by gtg970g
Thu Jul 12, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
Replies: 33
Views: 2217

Re: Question for pre-ACA Early Retirees

One notable success of the ACA is the extent to which personal bankruptcies have declined since its implementation (by 50%!). See https://www.consumerreports.org/personal-bankruptcy/how-the-aca-drove-down-personal-bankruptcy/ . That tells a story, too. Note also that, pre-ACA, some states did a bet...
by gtg970g
Wed Jul 11, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 36
Views: 3628

Re: Thought on replacing roof before sale?

The answer depends on whether you believe a buyer would renovate after purchase. Are smaller houses such as yours selling and being renovated immediately to double or triple the size? In our market this is what is happening to every house <2500 sq ft so a new roof would add nothing to the sell-abili...
by gtg970g
Tue Jul 10, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 134
Views: 11737

Re: Whole Life - We're doing it. What to look for?

Umm... I've never seen a whole life schedule that looks like this. Usually, by the end of year 6, you will have paid in $920 a year for 6 years, and the cash value will be something like $4000 (from the $5520 you've paid in). In this case, the cash value is actually equal to all the money you've pu...
by gtg970g
Mon Jul 09, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 134
Views: 11737

Re: Whole Life - We're doing it. What to look for?

If you have a sufficient emergency fund and both spouses are kept up to speed on financial assets and liabilities I see no need for permanent insurance. If you believe your wife now has a significantly shorter life expectancy due to her diagnosis then it could be financially beneficial to purchase t...
by gtg970g
Wed Jul 04, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Keto Diet
Replies: 16
Views: 2063

Re: Keto Diet

I’ve done the keto diet the past 2 years and really love it. I lost about 30 lbs first 6 months on the diet and it’s easy to keep off as long as you maintain the diet. I found my appetite dropped after I dropped carbs which led to natural calorie reduction, I never counted calories. If you exercise ...
by gtg970g
Mon Jul 02, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust
Replies: 31
Views: 3162

Re: Special Needs Trust

You mentioned that you have term insurance. Although whole life insurance is anathema to Bogleheads, this may be a situation where whole life is needed based upon the permanent need to provide for your daughter. I agree that whole or guaranteed universal life (possibly joint) could be appropriate f...
by gtg970g
Wed Jun 20, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F - HD question
Replies: 4
Views: 475

Re: Medicare Plan F - HD question

kd2008 wrote:
Wed Jun 20, 2018 3:05 pm

So you are essentially confirming that it is not a deductible but a OOP max?
Yes, it's both a deductible and OOP Max. I should add that this excludes Rx expenses as those are covered by a seperate Part D plan.
by gtg970g
Wed Jun 20, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F - HD question
Replies: 4
Views: 475

Re: Medicare Plan F - HD question

There are more benefits paid than just the 20% of Part B expenses. There are Part A copays and skilled nursing copays among several other benefit categories. High Deductible Plan F pays all expenses after the insured has paid out of pocket up to the deductible level.
by gtg970g
Tue May 15, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 2097

Re: Helping someone with Cancer

I think what my mom appreciated most was having someone come clean her house for her. She was too tired to do it herself but felt guilty about letting it go. There is a charity (I forget the name) who does free cleanings for cancer patients. Third for help cleaning. When my son was in the hospital ...