Search found 204 matches

by Rolyatroba
Thu Sep 13, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5713

Re: Lab test prices - exasperating!

It is not appropriate for me to comment on specific medical conditions, but find another doctor if you think they are dishonest. What was the doctor’s profit on the test? Done in house? There are potentially a lot more reasons for the unnecessary test that was not communicated to you. The doctor wa...
by Rolyatroba
Wed Sep 12, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5713

Re: Lab test prices - exasperating!

I don’t disagree that tests are ordered unnecessarily. Most doctors have no financial interest in ordering unnecessary tests. If your doctor owns the lab, it should be disclosed. If you think the test is unnecessary, find a doctor that doesn’t own the lab. You have no trust in them. Unnecessary tes...
by Rolyatroba
Wed Sep 12, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5713

Re: Lab test prices - exasperating!

So is it pointless to ask for pricing? In my experience, as nearly as I can tell... yes. Do you just go ahead with the treatment/tests/procedure and hope they don't bill you an obscene amount that's not covered under insurance? Why, yes. That is what I do. Because I haven't figured out what else to...
by Rolyatroba
Wed Sep 12, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5713

Re: Lab test prices - exasperating!

goodenyou wrote:
Wed Sep 12, 2018 10:03 pm
Doctors don’t pick lab tests based on what is covered. I would hope it is based on what is medically necessary.
I'd suggest that is a naive hope. Unnecessary tests are widely considered to be a significant part of the problem of our high-cost health care system.
by Rolyatroba
Wed Sep 12, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5713

Re: Lab test prices - exasperating!

That was a cost estimate to you based on your insurance benefit. Key word is estimate: noone can predict what your insurance will ultimately pay based on their seemingly endless algorithms to reduce payments. Came out higher for you based on final payment from insurance and you refused to pay and c...
by Rolyatroba
Wed Sep 12, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5713

Re: Lab test prices - exasperating!

I feel like I encounter this practice with literally every professional or contractor service I have ever used, from auto repair to legal issues to carpentry. Well, that hasn't been my experience: auto repair shops will always give a quote for most things (perhaps internal problems that can't be di...
by Rolyatroba
Wed Sep 12, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Lab test prices - exasperating!
Replies: 101
Views: 5713

Re: Lab test prices - exasperating!

I have successfully used https://requestatest.com/ on a couple of occasions, if you want to try that in the future. Not sure if it will have your test or have a relationship with a lab in your area, however. BTW, if you do get a hefty bill, fight it. Show the billing dept. that you're a diligent con...
by Rolyatroba
Mon Jun 11, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Help with Drawdown Strategy
Replies: 5
Views: 825

Re: Help with Drawdown Strategy

Ok...I think I've modeled a way to analyze this conundrum; if anyone can chime in on the efficacy and findings, that would be great. What I did was run 2 different i-ORP scenarios: 1 - Follow i-ORP as is, starting at age 60 with numbers that I have been using. The result is that max. annual spending...
by Rolyatroba
Sat Jun 09, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Drawdown Strategy
Replies: 5
Views: 825

Re: Help with Drawdown Strategy

Thanks for chiming in...I have the same AA (60% stocks) and the same return and dist. rate for all 3 account types. Marginal tax rate of 28%, and cap gains at 20% (will be that or higher with all the tax-deferred withdrawals--i-ORP doesn't adjust this automatically based on taxable income). Taxes go...
by Rolyatroba
Sat Jun 09, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Drawdown Strategy
Replies: 5
Views: 825

Help with Drawdown Strategy

Hi...we are retiring in about 2 years, and I am now devising our drawdown strategy. I've seen the conventional strategy of taking RMDs, then from taxable, then tax-deferred, then tax-free assets, as well as the alternative strategy that suggests first withdrawing from tax-deferred (to avoid tax brac...
by Rolyatroba
Mon Feb 19, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1241

Re: Boglehead Approved Delaware Statutory Trust?

I understand our present due Taxes of $120k will carry on, and if we do 301 Exchange again & buy other properties when the first properties get sold, then the Cap Gains & Dep Recapture Taxes of that sale will be added to the 120k . At the end of the year, do you get the figures of Depreciation Taxe...
by Rolyatroba
Mon Feb 19, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1241

Re: Boglehead Approved Delaware Statutory Trust?

Do the Kay Properties do 1031 Exchange work themselves or they refer you to a Intermediary, which entity was that ? What do your DSTs charge ? all upfront or any hidden charges ? Kay Properties is a broker that sells DSTs from companies that construct them (largely real estate management firms). Th...
by Rolyatroba
Mon Feb 19, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1241

Re: Boglehead Approved Delaware Statutory Trust?

I am unable to see/read your message, although it says on top right hand corner that 1 message is there waiting , but it does not come up when I click on it, strange... Oh, the PM I was talking about was to the user "nnyljh" who posted last month, above yours, so no need to worry about that. I am l...
by Rolyatroba
Mon Feb 19, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1241

Re: Boglehead Approved Delaware Statutory Trust?

... 1)Whether to do a 1031 Exchange or not (will save 120k in Taxes, may have to find a Exchange Intermediary fast), & do a DST- (Heard about DST high fees ??) OR 2) Pay taxes , invest proceeds along with our investments all in Vanguard (easy, I like the lazy way to invest, buy & hold) OR 3) Pay ta...
by Rolyatroba
Wed Dec 13, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 29116

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

This is an argument AGAINST bitcoin, because the vast majority of people (at least in the U.S.) do not have a complete lack of faith in the U.S. government or the banks, and money has not been devalued here (Inflation is low). So it will not be adopted by the masses, if that's the reason for bitcoi...
by Rolyatroba
Wed Dec 06, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 29116

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

if there's no point in even asking the questions we'd be staying away from every type of investment and there would be no investment industry. do you know the future of every one of your investments? do you know the SWOT and your personal perspective for every company that's in all of your index fu...
by Rolyatroba
Wed Dec 06, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 29116

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

most here thing bitcoin is a bubble and will soon crash and it's understandable how that's the common view. but objectively thinking.... what if it's not? In my opinion the better and more important question would be "is this a bubble?" There is no point to either question, as neither can be answer...
by Rolyatroba
Tue Dec 05, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 29116

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Without a doubt investing in Bitcoin would be every bit as speculative as investing in Webvan. Great idea, initially successful, but who knows how it will turn out. Digital currency is certainly the future, but to invest in Bitcoin is to bet that Bitcoin will win that battle in the long run...unlike...
by Rolyatroba
Fri Nov 17, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?
Replies: 9
Views: 2544

Re: Who has had a 3 or 4 Fund Portfolio the past 10 - 15 years?

Maybe you can use Portfolio Visualizer to help on this. A 4-fund portfolio for your timeframe is below (note the VG Int'l doesn't go that far back, so I just picked the first I found that did--note it might not be suitable). https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&sta...
by Rolyatroba
Tue Sep 19, 2017 12:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 12704

Re: Bogleheads you would most like to meet and why?

For heart: Livesoft

For soul: VictoriaF

For mind: Nisiprius

For body: TBD :-)
by Rolyatroba
Thu Jun 29, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Good on Cramer!
Replies: 19
Views: 4920

Re: Good on Cramer!

munemaker wrote:I turn the channel when Cramer is on.
Well this isn't about you. It is about the obviously less enlightened people that watch and trust Cramer.
by Rolyatroba
Thu Jun 29, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Good on Cramer!
Replies: 19
Views: 4920

Good on Cramer!

He's turned around on index funds it seems. Even says to invest there first before dabbling in individual stocks. He also seems extremely contrite...really glad to see this. Best to watch in the 2nd video: http://www.cnbc.com/2017/06/28/cramer-how-the-2008-recession-changed-my-investing-approach-for...
by Rolyatroba
Mon May 22, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1241

Re: Boglehead Approved Delaware Statutory Trust?

I ended up going the DST route. Very glad I did so far. A little more than a year in, and distributions have been exactly as expected, and the communications and professionalism of the 2 different management companies (for 3 diff. properties) has been excellent.
by Rolyatroba
Thu Apr 20, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 908

Re: Does AMT erode value of suspended passive losses?

I don't know which software you are using but I had the same issue with turbotax. If you go through the interview you will see that is has a spot for carryover losses for both the regular tax and the AMT. It defaulted to zero for the AMT slot so I had to enter that number. Once I did that the probl...
by Rolyatroba
Wed Apr 19, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 908

Re: Does AMT erode value of suspended passive losses?

Thanks...I'll check out to see if I've somehow missed carrying over passive losses to AMT as well.
by Rolyatroba
Wed Apr 19, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Does AMT erode value of suspended passive losses?
Replies: 5
Views: 908

Does AMT erode value of suspended passive losses?

We did a 1031 exchange in 2016, where there was approx. $150k in prior passive losses. After the exchange, we are now booking taxable income on the new passive activities. For regular taxes, I can see that passive income is offset by prior losses, and thus there is $0 on 1040 line 17. But, on AMT, I...
by Rolyatroba
Fri Feb 24, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: critique Italian itinerary
Replies: 34
Views: 3307

Re: critique Italian itinerary

I second skipping Venice...although it is eventually a "must-see" I'd suggest going when you have more time, and perhaps the luxury of going off- or mid-season. As for Bolzano, this is hazy since I was last there in 1998, but I recall enjoying Merano much more (Bolzano seemed more industrial). Nor d...
by Rolyatroba
Tue Jan 03, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 35824

Re: Whats your number to walk away?

$2.6M was our minimum walk-away (including $300k set aside for college for 2 kids, currently 15 & 17). That had me almost completely stop working when we hit that a year ago (I'm 56 and DW is 50). We have a paid-off rental home in Marin county CA that we'll move to in 3.5 years, regardless of what t...
by Rolyatroba
Thu Oct 27, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 14904

Re: How many have moved from California due to Cost of Living?

Just an FYI, from someone who moved from Silicon Valley to the Boise, Idaho area: 1. We kept our house in SV, just in case we decided to come back (and it was the smartest thing we did, because we do plan to come back) 2. I didn't catch if you were raised in SV/Norcal, but I am from there and can't ...
by Rolyatroba
Wed Aug 24, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 4439

Re: Internet security: which is the lesser of 2 evils?

So, in other words you trust some anonymous, extremely low cost VPN service provider whose product is primarily used by those people looking to do less than honorable things on the Internet...... more than your employer? And you do realize that PIA is not a US company, who uses low cost off shore I...
by Rolyatroba
Wed Aug 24, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 4439

Re: Internet security: which is the lesser of 2 evils?

As a former manager of the helpdesk (and worldwide IT infrastructure) for a Fortune 1000 network security company, I think this thread has gone a little too deep on the tech aspects of this question. With that in mind, and considering what others have said here, I'd recommend the below, in descendin...
by Rolyatroba
Wed Aug 24, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 4439

Re: Internet security: which is the lesser of 2 evils?

If you use a personal laptop, you should use a VPN service. This encrypts ALL traffic between your laptop and the VPN server, and assuming your financial transactions are also encrypted (drop that company if not), the traffic will then be encrypted normally between the VPN server and the financial i...
by Rolyatroba
Wed Dec 23, 2015 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Approved Delaware Statutory Trust?
Replies: 12
Views: 1241

Boglehead Approved Delaware Statutory Trust?

We are in the process of selling a rental property, and because the mortgage is 20% of the sales price, we have to either pay that amount into the 1031 exchange or borrow that amount as part of the purchase of the replacement property (perhaps 2 properties), in order to fully avoid the cap gains tax...
by Rolyatroba
Fri Dec 04, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Deconstruction Tax Implications
Replies: 3
Views: 696

Re: Deconstruction Tax Implications

Bump. Sorry--wrote this late last night, so alas it had fallen unseen. :)
by Rolyatroba
Fri Dec 04, 2015 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Deconstruction Tax Implications
Replies: 3
Views: 696

Deconstruction Tax Implications

I am in the process of subdividing a lot and building 2 new homes. It was brought to my attention that deconstruction could more than pay for itself with the tax deduction. But this is $30k more expensive than demoing. If I model this with tax software as a donation it does more than pay for it, but...
by Rolyatroba
Fri Oct 09, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: Mr. Market gives a lesson in Volatility
Replies: 23
Views: 2619

Re: Mr. Market gives a lesson in Volatility

What I am trying to say is watching your accounts value change by 5 or 6 digit amounts in a month or two can be a psychological trigger for many people. So knowing that will happen on a fairly regular basis you can make a good decision and choose an AA that will limit that absolute dollar movement ...
by Rolyatroba
Fri Oct 09, 2015 2:20 pm
Forum: Investing - Theory, News & General
Topic: Mr. Market gives a lesson in Volatility
Replies: 23
Views: 2619

Re: Mr. Market gives a lesson in Volatility

...to make decisions both good and bad depending on their level of readiness. Until this post, I don't think I understood why recent volatility was being discussed here. But with the above, it is implied that you have some sort of action plan to execute when current volatility crosses some threshol...
by Rolyatroba
Fri Aug 28, 2015 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 9092

Re: If stocks dropped 30% next Monday, would you rebalance?

I do considerably more than rebalance in situations like this. I'm sure this will be frowned upon, but I go so far as to change my AA. This goes largely to my inability to determine what the right AA is for me, being that an acceptable AA on this forum is a range, and the most influential factor app...
by Rolyatroba
Thu Jun 04, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Home Network Security - Minecraft
Replies: 12
Views: 1917

Re: Home Network Security - Minecraft

Super easy...just buy another wireless router, and set it up so that it is isolated from your network. When the kids want to play each other they just switch networks. If your kids are wired only they'll have to do a cable switch, but you can literally set up the new device right next to the existin...
by Rolyatroba
Thu Mar 12, 2015 5:44 pm
Forum: Investing - Theory, News & General
Topic: Is High Frequency Trading a Problem For Bogleheads?
Replies: 42
Views: 3399

Re: Is High Frequency Trading a Problem For Bogleheads?

This is absolutely a problem for Bogleheads and I have been a victim to the tune of at least a few thousand dollars, prior to knowing about the front-running. The problem is largely for investors that use ETFs instead of funds (like myself, a Schwab customer using Vanguard ETFs), especially lower vo...
by Rolyatroba
Wed Mar 11, 2015 5:24 pm
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6192

Re: This Morning's Dilbert - Investment Help

I'm aware of these works. What I'm trying to hint about, and maybe I should have been more direct, is that the Bogleheads might be even more successful if they took this kind of pop culture approach, as part of their educational toolkit. The wiki is great, especially if you have a decent education ...
by Rolyatroba
Fri Mar 06, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bridging Delay to SS Strategy Opinions
Replies: 13
Views: 1700

Re: Bridging Delay to SS Strategy Opinions

It's actually pretty weird--when I calculate $1,127 x 12 months x 7 years I get $94,668. I must be missing something, maybe the exact starting and ending months. I think what you're missing is the inflation aspect of the monthly payments. Growing monthly at a 2.5% annual rate brings the total to $1...
by Rolyatroba
Fri Mar 06, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bridging Delay to SS Strategy Opinions
Replies: 13
Views: 1700

Re: Bridging Delay to SS Strategy Opinions

You're basically asking how you should configure an LMP approach to this problem. I am in the camp to avoid this if at all possible, especially during periods of lean yields in safe assets such as we have now, since you leave a lot of potential growth on the table. I understand the short term risk o...
by Rolyatroba
Thu Mar 05, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Reasons not to use Total Bond Market?
Replies: 83
Views: 10128

Re: Reasons not to use Total Bond Market?

I hear this so often, but can you tell me the basis of this reasoning? I think this has become one of those oft repeated mantras that has become accepted as zeitgeist on this forum, but I do not know if there are any studies or data that support this belief other than citing to someone's opinion th...
by Rolyatroba
Mon Mar 02, 2015 3:09 pm
Forum: Investing - Theory, News & General
Topic: Market Beating Recipe
Replies: 19
Views: 2695

Re: Market Beating Recipe

There's some good fortune involved in it, but mostly its skill, insight and patience. Do you have the same conclusion if you remove the people like Buffet, who usually gain board seats with their investment? Is it your view that there are people who can, over some reasonably long period of time, be...
by Rolyatroba
Sat Feb 28, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6192

Re: This Morning's Dilbert - Investment Help

I'm aware of these works. What I'm trying to hint about, and maybe I should have been more direct, is that the Bogleheads might be even more successful if they took this kind of pop culture approach, as part of their educational toolkit. The wiki is great, especially if you have a decent education ...
by Rolyatroba
Sat Feb 28, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6192

Re: This Morning's Dilbert - Investment Help

This stuff is brilliant. It's easy to read, it's got the punch, and great visuals. If you put a short essay with each cartoon to explain the underlying issues, it would make a very effective teaching tool. It could potentially reach a wide audience, as many people won't read investing books because...
by Rolyatroba
Sat Feb 21, 2015 10:04 am
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6192

Re: This Morning's Dilbert - Investment Help

Hopefully, it will be the theme for a few days.
by Rolyatroba
Thu Feb 19, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 6989

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

...our data files are backed up and if there were no other alternative I'd try it ; but we're not in panic mode at this point :happy This isn't about losing pictures or word documents...it is about being at risk of having your bank and/or brokerage passwords stolen (among other things). If you use ...
by Rolyatroba
Tue Feb 17, 2015 8:30 pm
Forum: Personal Consumer Issues
Topic: An Adventure
Replies: 26
Views: 3465

Re: An Adventure

My wife and I are just a few years from doing this sort of thing permanently (read: retiring and will travel a lot, maybe full time the first couple of years). So, I have been sifting thru BH threads, and wonder how this turned out. Did you leave on time? How long were you gone? Was the return what ...