Search found 2530 matches

by Munir
Sun Nov 17, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6579

Re: Can you guess what this ranked list of colleges is?

Why does one go to college? To make money or to gain an education? Or both? If both, what are the percentages for each goal? Such clarifying questions hopefully would lead to a school choice consistent with one's goals. Or am I misunderstanding the purposes & goals of this article? Money . 'Educati...
by Munir
Thu Nov 14, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6579

Re: Can you guess what this ranked list of colleges is?

Why does one go to college? To make money or to gain an education? Or both? If both, what are the percentages for each goal? Such clarifying questions hopefully would lead to a school choice consistent with one's goals. Or am I misunderstanding the purposes & goals of this article?
by Munir
Mon Nov 11, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7951

Re: Humana Part D - ILLINOIS - premiums up up up

California, $23.50 to $64 in 2020. +1 Kansas $16 to $63 Same income both cheapest plan Check out the Humana Value Plan. Most people here are actually paying less in 2020 than 2019 with that plan. You also may want to check the Wellcare Wellness Rx Plan which for my drug list was cheaper than the Hu...
by Munir
Fri Nov 08, 2019 2:12 pm
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 264
Views: 16550

Re: Customer Service with Vanguard

Gosh, it is so dreadful to read such bad customer service experiences. It appears that Vanguard operates on the "don't call me nor will I call you back" principle. I rarely call them, but if I call and receive such bad services, I will definitely send a letter to the CEO. Where is Jack Bogle's Vang...
by Munir
Fri Nov 08, 2019 11:21 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 264
Views: 16550

Re: Customer Service with Vanguard

Wow! All these negative comments about Vanguard customer service give me pause. I was just about to transfer an IRA to Vanguard from Morgan Stanley, but I'm having second thoughts about it now - not about moving the funds out of MS (which I can't wait to do!), but moving them into Vanguard. Some fu...
by Munir
Wed Nov 06, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Electric shavers - foil vs rotary
Replies: 24
Views: 1913

Re: Electric shavers - foil vs rotary

Foil Braun 7 with cleaning gadget was much better for me than rotary which I had used for years previously. Closer shave and less irritation with foil.
by Munir
Mon Nov 04, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3451

Re: Part D - thinking of shifting to Walmart

We are reviewing both plans mentioned as its our first year on Medicare. One thing I don't see mentioned, is to go to the Plan's website, do not rely on the Medicare.gov info. Wellcare Wellness RX on Medicare.gov showed no preferred pharmacies in my area. Their site showed CVS and Walmart. Still re...
by Munir
Sat Nov 02, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3451

Re: Part D - thinking of shifting to Walmart

Walmart used to be the least expensive Part D company for my medications but not in 2020. Check out switching to the Walmart/Humana Value plan. For my generic prescriptions the total cost is less in 2020 than in 2019. Thank you Steelersfan for the feedback. I did check the Humana Value Plan and ini...
by Munir
Sat Nov 02, 2019 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3451

Re: Part D - thinking of shifting to Walmart

Walmart used to be the least expensive Part D company for my medications but not in 2020. Check out switching to the Walmart/Humana Value plan. For my generic prescriptions the total cost is less in 2020 than in 2019. Thank you Steelersfan for the feedback. I did check the Humana Value Plan and ini...
by Munir
Fri Nov 01, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3451

Re: Part D - thinking of shifting to Walmart

Walmart used to be the least expensive Part D company for my medications but not in 2020. Plans and prices change dramatically sometimes on an annual basis. One needs to check the total cost and not just monthly premiums. Type and number of medications one takes need to entered into the medicare.gov...
by Munir
Sun Oct 27, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship clients no longer have a personal rep
Replies: 48
Views: 3985

Re: Flagship clients no longer have a personal rep

As a common courtesy the assigned Vanguard reps should have called their clients and explained the termination of the personal rep set-up. It's a bigger deal to some investors and makes no difference to others but it's a reflection on Vanguard that this significant event took place with no notifica...
by Munir
Sun Oct 27, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Flagship clients no longer have a personal rep
Replies: 48
Views: 3985

Re: Flagship clients no longer have a personal rep

As a common courtesy the assigned Vanguard reps should have called their clients and explained the termination of the personal rep set-up. It's a bigger deal to some investors and makes no difference to others but it's a reflection on Vanguard that this significant event took place with no notificat...
by Munir
Sun Oct 27, 2019 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: "Full Health Insurance" Coverage via Medicare
Replies: 22
Views: 1824

Re: "Full Health Insurance" Coverage via Medicare

Not quite sure what the official definition of "Full Health Insurance" means in relation to Medicare. I think this comes pretty close to what you are looking for: Original Medicare with Medicare supplement Plan F and a good Part D PDP. With Plan F you (or rather him/her) will know exactly to the pe...
by Munir
Sat Oct 26, 2019 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7951

Re: Humana Part D - ILLINOIS - premiums up up up

To paraphrase some of the comments above, the 2020 Walmart Value plan, and I think the Basic Plan, have NO deductible on Tier 1 & 2 medications. However, there are co-pays on some of the medications in those two tiers. For Tiers 3.4. and 5, you have to satisfy the $435 deductible first by paying the...
by Munir
Fri Oct 25, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Cost of my medicare drug plan is doubling
Replies: 24
Views: 2090

Re: Cost of my medicare drug plan is doubling

Also doubled for DW and I. Shopped around. Switched from Humana To Aetna. Same coverage, 1/3 the price. j My father was also at Humana, and his rate more than doubled, to $60 a month. He also switched to Aetna, and got the same coverage for $14 a month. How is the Aetna $14 a month plan better than...
by Munir
Fri Oct 25, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Cost of my medicare drug plan is doubling
Replies: 24
Views: 2090

Re: Cost of my medicare drug plan is doubling

You also should check the rates on the insurance company's web site and compare it to medicare.gov since they are not always the same. I assume the insurance company's web site is more accurate but the medicare.gov is best for shopping around and then confirm their best rate with that specific insur...
by Munir
Fri Oct 18, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D advise
Replies: 33
Views: 2535

Re: Medicare Part D advise

The 2020 Humana Walmart Value Plan seems to be the least expensive of their three plans if you take only tier 1 and tier 2 medications. If one takes higher tier medications, it's best to enter all your meds into the equation and assess each plan separately. The $435 deductible does not apply to tier...
by Munir
Fri Oct 18, 2019 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7951

Re: Humana Part D - ILLINOIS - premiums up up up

As mentioned by Steelersfan above, the rates listed by Humana on their web site are much lower than the rates on medicare.gov for my same personal medications list and mail order pharmacy. How can that be? Who should we believe?
by Munir
Wed Oct 16, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7951

Re: Humana Part D - ILLINOIS - premiums up up up

The subscription period for the 2020 Medicare Part D plans is now in effect. I've had Humana Walmart Part D plan in 2019. Their equivalent 2020 plan rates have skyrocketed. I started a new search on the Medicare.gov web site. The 2020 three Humana available options are all much more expensive than t...
by Munir
Mon Oct 14, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: Intermediate bonds vs 50/50 ST/LT bonds in retirement portfolio
Replies: 14
Views: 1190

Re: Intermediate bonds vs 50/50 ST/LT bonds in retirement portfolio

If you want simplicity with lower returns, go with the Total Bond Market fund.
by Munir
Sat Oct 12, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4607

Re: Dropping Interest Rates on High-Yield Savings

Barclay's Online Savings it at 2%.
by Munir
Sun Sep 29, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7951

Re: Humana Part D - ILLINOIS - premiums up up up

What was called the Humana Walmart Part D plan will be called in 2020 the Humana Premier Rx Plan (PDP). In Oregon (?and Washington State), the monthly premium is going up from $26.60 in 2019 to $56.60 in 2020 (113% !!). The only reduction is in the Drug Tier 2 co-pays. I have no idea why the monthly...
by Munir
Tue Sep 24, 2019 12:32 pm
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 6057

Re: Don't confuse strategy with outcome:

telemark wrote:
Tue Sep 24, 2019 11:17 am
Munir wrote:
Mon Sep 23, 2019 10:17 am
I assume a good strategy includes the expectation of a good outcome- otherwise, it is not a good strategy.
The expectation of a good outcome, and the possibility of a bad one.
Fair enough.
by Munir
Mon Sep 23, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 6057

Re: Don't confuse strategy with outcome:

I assume a good strategy includes the expectation of a good outcome- otherwise, it is not a good strategy.
by Munir
Fri Sep 06, 2019 10:26 am
Forum: Personal Investments
Topic: Advice for diversification for stock allocation
Replies: 8
Views: 652

Re: Advice for diversification for stock allocation

For your age group, the Vanguard Total Stock Market Index fund as your sole equity fund is great.
by Munir
Sat Aug 31, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds - How Your Spouse can Quickly Cash in I Bonds
Replies: 53
Views: 4419

Re: I Bonds - How Your Spouse can Quickly Cash in I Bonds

Another option is that if there are some warnings of an impending death of the bondholder, then transfer the ownership to the "healthy" spouse while both spouses are alive. However, depending on the familial circumstances, this may or may not be appropriate for social reasons e.g. surviving spouse s...
by Munir
Sat Aug 31, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds - How Your Spouse can Quickly Cash in I Bonds
Replies: 53
Views: 4419

Re: I Bonds - How Your Spouse can Quickly Cash in I Bonds

My wife died last year. We had I-bonds registered in her name only on the assumption that I will die first. I was her sole heir and was able to cash the I-bonds thru my bank which also helped me with all the paperwork in dealing with the Feds. What I neglected to do was to have a federal withhold o...
by Munir
Sat Aug 31, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: I Bonds - How Your Spouse can Quickly Cash in I Bonds
Replies: 53
Views: 4419

Re: I Bonds - How Your Spouse can Quickly Cash in I Bonds

My wife died last year. We had I-bonds registered in her name only on the assumption that I will die first. I was her sole heir and was able to cash the I-bonds thru my bank which also helped me with all the paperwork in dealing with the Feds. What I neglected to do was to have a federal withhold on...
by Munir
Fri Aug 30, 2019 11:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor
Replies: 28
Views: 2002

Re: Vanguard Personal Advisor

As a Flagship client, one can receive a free consultation once a year- if I understand the setup correctly. I did that this year and found it beneficial in that it confirmed my investment philosophy (except that I currently don't have any international funds). The adviser was polite, knowledgeable, ...
by Munir
Fri Aug 30, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig in Today's WSJ Discusses Target Retirement Funds
Replies: 54
Views: 8141

Jason Zweig in Today's WSJ Discusses Target Retirement Funds

https://www.wsj.com/articles/the-funds-that-make-you-buy-low-and-sell-high-11567176239?mod=hp_featst_pos1 Jason Zweig in today's WSJ "The Intelligent Investor" column describes how Target Retirement Funds, including Vanguard and Fidelity, have increased their equity allocations in recent years. Equi...
by Munir
Fri Aug 30, 2019 1:24 am
Forum: Investing - Theory, News & General
Topic: "The Importance of Simplicity"
Replies: 24
Views: 2572

Re: "The Importance of Simplicity"

I am sure Jack appreciates simplicity in how he is praised. Munir: I have known Mr. Bogle and his wife for almost 20 years. I have never heard him boast about his many accomplishments. In fact, he seems uncomfortable talking about them. Best wishes. Taylor Jack Bogle's Words of Wisdom: "History cou...
by Munir
Thu Aug 29, 2019 6:40 pm
Forum: Investing - Theory, News & General
Topic: "The Importance of Simplicity"
Replies: 24
Views: 2572

Re: "The Importance of Simplicity"

I am sure Jack appreciates simplicity in how he is praised.
by Munir
Wed Aug 28, 2019 5:21 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27301

Re: VTIAX International fund - should I give up on it?

What is your timeline, just out of curiosity? 5-8 years. Does this mean you are 80 to 85 years old, or that you are 5-8 years from retirement? Sorry for not being clear. I will be 82 years old tomorrow, and I have health issues. Interesting point, Munir. I hadn't thought about this, but it's an int...
by Munir
Tue Aug 27, 2019 4:41 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27301

Re: VTIAX International fund - should I give up on it?

Like many, I have an international fund in my portfolio for diversification. Unfortunately, it seems like this play does nothing but consistently bring the rest of my portfolio down. What are your thoughts on VTIAX? After recent event it's pretty much given back all gains for the year and it seems ...
by Munir
Tue Aug 27, 2019 9:56 am
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27301

Re: VTIAX International fund - should I give up on it?

Like many, I have an international fund in my portfolio for diversification. Unfortunately, it seems like this play does nothing but consistently bring the rest of my portfolio down. What are your thoughts on VTIAX? After recent event it's pretty much given back all gains for the year and it seems ...
by Munir
Mon Aug 26, 2019 5:46 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27301

Re: VTIAX International fund - should I give up on it?

Like many, I have an international fund in my portfolio for diversification. Unfortunately, it seems like this play does nothing but consistently bring the rest of my portfolio down. What are your thoughts on VTIAX? After recent event it's pretty much given back all gains for the year and it seems ...
by Munir
Mon Aug 26, 2019 5:32 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 27301

Re: VTIAX International fund - should I give up on it?

Like many, I have an international fund in my portfolio for diversification. Unfortunately, it seems like this play does nothing but consistently bring the rest of my portfolio down. What are your thoughts on VTIAX? After recent event it's pretty much given back all gains for the year and it seems ...
by Munir
Sun Aug 25, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6272

Re: Physician quality and experience

A physician coming out of fellowship is not inexperienced. They have gone to 4 years of medical school, 3 -7 years of residency and then probably another two years of fellowship. They are probably up-to-date on the newest research and treatment. They have probably just studied like crazy and passed...
by Munir
Fri Aug 23, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6272

Re: Physician quality and experience

I suspect that there is a wide range of the current/updated education/training received or done by different specialists - in the same field for the same number of years. Sometimes, as a patient, you can glean that a specialist is keeping up to date - but that is difficult. I believe that Kaiser of...
by Munir
Fri Aug 23, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6272

Re: Physician quality and experience

A complicated question, but most evidence suggests a slow decline in quality of care as years in clinical practice increase. However, I don't know of any study focusing on recent fellowship graduates. Medical information increases at a tremendous rate, and the half life of medical knowledge is rela...
by Munir
Fri Aug 23, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6272

Re: Physician quality and experience

I would find another doctor who has more experience. This new doc may be fine in time but I would not take the risk. It sounds like with your rare condition you need to find someone who has experience treating it. +1 I prefer the board-certified physician who has been in clinical practice for 10-15...
by Munir
Wed Aug 07, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: How many Years of Medical History/Records should a Patient Save?
Replies: 60
Views: 3163

Re: How many Years of Medical History/Records should a Patient Save?

You've likely already got more than you will ever need. Keep a list (in wallet or purse) of # 1 Ongoing medical conditions, # 2 Surgeries with dates, # 3 Current medications (including dosages), and # 4 Medication allergies. Maybe if you have a heart condition keep a copy of your most recent EKG, c...
by Munir
Tue Aug 06, 2019 2:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2129583

Re: U.S. stocks in free fall

Many, if not most posters, seem upbeat and explaining away this drop in the market today. Is this real? What will it take to make them really worried?
by Munir
Sun Aug 04, 2019 5:24 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri
Replies: 50
Views: 5567

Re: "Bogleheads on Investing" episode 012 - guest Larry Swedroe, host Rick Ferri

It was interesting to hear Larry state that his current allocation is 30/70 which aligns with Rick's suggested default allocation for retirees. It has me rethinking my target of 45/55. I am currently 66, retired at 64 and my equities have drifted up this year to 47%. I thought that I was being cons...
by Munir
Thu Jul 11, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Advantage Plans [how they affect the gov't]
Replies: 6
Views: 715

Re: Medicare vs Advantage Plans

I've read occasional articles on MA (private insurance after enrolling in Medicare ABD, that is, MA=Medicare C)vs. traditional Medicare (gov pay). I have not found anything that didn't have a political or business bias to it unfortunately. Makes sense to me that we can only judge the system as a wh...
by Munir
Mon Jun 24, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 58
Views: 11127

Re: Harry Bosch: the Amazon Series vs the novels

Bosch novels top-notch-especially the early ones.

TV series disappointing.
by Munir
Fri Jun 21, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 2006

Re: Recommend toaster

A basic generic two-slice toaster by Amazon sells for about $15 if my memory is correct. Has bagel and defrost settings.
by Munir
Thu Jun 20, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 113
Views: 11556

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

i.e. what is the outlook for international equities for the near term? They're going to go up. Unless they go down. Thank you for this helpful and insightful response. Sorry if that sounded sarcastic. The fact is, nobody knows, and those who suggest that they do know are just fooling themselves (or...
by Munir
Thu Jun 20, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Should I abandon the Total International Stock Index Fund for greener pastures?
Replies: 113
Views: 11556

Re: Should I abandon the Total International Stock Index Fund for greener pastures?

Does it matter in making a decision about including international in one's portfolio if one's timeline is 5-8 years only? i.e. what is the outlook for international equities for the near term? The gurus all have predictions (most of them concluding that international will outperform US over the nex...