Search found 43 matches

by ginstwin
Wed Nov 04, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Advice re Private health Insurance
Replies: 4
Views: 353

Re: Advice re Private health Insurance

I can but apparently the price won’t be reduced. Ok, then yes, you should be able to drop your UH plan effective Jan. 1st and both sign up for a Blue Cross plan since it is open enrollment time. You can then cancel your part when you go on Medicare. You might look into getting two separate policies...
by ginstwin
Wed Nov 04, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Advice re Private health Insurance
Replies: 4
Views: 353

Re: Advice re Private health Insurance

I can but apparently the price won’t be reduced.
by ginstwin
Wed Nov 04, 2020 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Advice re Private health Insurance
Replies: 4
Views: 353

Advice re Private health Insurance

I am 64 and my wife is 50 . We are recent US citizens after Naturalizing last year . We are dual citizen US Brits. We are retired and currently have a UH family health insurance plan. $1350 per month 12k deductible . We have had the plan for 10 years and rarely claimed and never hit our deductible. ...
by ginstwin
Fri Oct 30, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: I just bought a Peloton - Love it!
Replies: 84
Views: 6703

Re: I just bought a Peloton - Love it!

I have had my Bike 6 years. In fact I just traded it for the new Bike + I love the community and of course the exercise. Those who have the bike please check out Jenn Sherman . She was the first instructor they hired 7 years ago and imho is the best. Her music and sense of humor are second to none. ...
by ginstwin
Fri Oct 09, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Relocation - DFW considerations
Replies: 51
Views: 3776

Re: Relocation - DFW considerations

I live near Southlake and have been here 6 years. I moved from Clearwater Fl . I really like it here, people are super friendly and most things are a short drive away. DFW is a great airport giving us access globally. After moving from the Beach I miss the scenery but everything else is better here ...
by ginstwin
Fri Oct 02, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: APPLE iPad 12.9 Replacement for MacBook Pro & iPad Air
Replies: 49
Views: 3024

Re: APPLE iPad 12.9 Replacement for MacBook Pro & iPad Air

I have recently made the exact switch. My 12.9 IPad has exceeded my hopes and I enjoy using it more than my laptop. I use the Pen a lot more as a mouse than anything else however I enjoy using it for notes etc. I do have a Mac Pro tower 2012 that I use for any excel work but any simple internet, rea...
by ginstwin
Thu Sep 24, 2020 9:55 pm
Forum: Personal Investments
Topic: Buckets in Retirement
Replies: 97
Views: 7768

Re: Buckets in Retirement

WoodSpinner- Thanks for the excellent explanation. To keep the buckets fully funded 0-10 years do you transfer funds annually from your long term growth bucket?
by ginstwin
Mon Sep 21, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4773
Views: 1296070

Re: What Book Are You Currently Reading? Part VI

Currently halfway through Brad Thor’s Scott Harvath series . Excellent James Bond type thrillers .

Also reading Ben Greenfields Boundless following a recommendation here. Very interesting life- health - fitness book.
by ginstwin
Mon Sep 21, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 165
Views: 17270

Re: Just Ordered Peloton Bike

I have had my Peloton for 6 years . 1500 rides in and I love it as much as I did on day 1 . I am in my mid 60s and find the community extremely motivating and encouraging. The bike itself is top class . In fact I have just ordered the Bike+ as I want to continue riding for another 6 years at least. ...
by ginstwin
Thu Sep 03, 2020 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

Re: HSA for Spouse

Thanks LalaMimi. I will definitely do that .
by ginstwin
Thu Sep 03, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

Re: HSA for Spouse

TropikThunder - Thank you so much for such a detailed response . It really is very helpful. Neither of us have insurance through employment so my thinking was that when I qualify for medicare my wife will enroll in her own HDHP plan which would not cover me. We are currently insured privately under ...
by ginstwin
Thu Sep 03, 2020 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

Re: HSA for Spouse

“In order to contribute the maximum family contribution limit, you must have family coverage with an HDHP. If your spouse enrolls in Medicare and this changes your HDHP coverage to single, this will affect your yearly contribution limit“ That makes it clear . If her HDHP policy only covers herself a...
by ginstwin
Thu Sep 03, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

Re: HSA for Spouse

It will depend on her health insurance plan, won't it? When you go on medicare, what happens to her health insurance? Presumably any health insurance that she gets will not have your name on it, so if she gets her own HDHP, then she will need to have her own HSA, right ? I believe she can obtain a ...
by ginstwin
Thu Sep 03, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

Re: HSA for Spouse

As I understand it I can use the current HSA to pay health related costs for either of us ? Is that correct? Thanks I am not an expert in this area, and I stand to be corrected on this, but I believe that you can use your HSA to pay for medical expenses for you or your spouse. Thanks MPTFan .
by ginstwin
Thu Sep 03, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

Re: HSA for Spouse

I'm not married, so maybe this is a gap in my knowledge...is there such a thing as a "joint HSA" for married couples? I always assumed that HSA accounts must be individual accounts, just like IRA accounts must be individual accounts. Maybe I am confused. An individual limit is $3550 (plus...
by ginstwin
Thu Sep 03, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

Re: HSA for Spouse

I'm not married, so maybe this is a gap in my knowledge...is there such a thing as a "joint HSA" for married couples? I always assumed that HSA accounts must be individual accounts, just like IRA accounts must be individual accounts. Maybe I am confused. An individual limit is $3550 (plus...
by ginstwin
Thu Sep 03, 2020 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

Re: HSA for Spouse

It will depend on her health insurance plan, won't it? When you go on medicare, what happens to her health insurance? Presumably any health insurance that she gets will not have your name on it, so if she gets her own HDHP, then she will need to have her own HSA, right? She will have her own health...
by ginstwin
Thu Sep 03, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for Spouse
Replies: 19
Views: 601

HSA for Spouse

I currently have an HSA for my wife (50) and I (64). I have contributed annually the max allowed . I qualify for Medicare in 2021 and therefore cannot contribute to an HSA . My wife will have 15 years before she is eligible for Medicare. I want to contribute into an HSA for her. Does she need to ope...
by ginstwin
Thu Sep 03, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?
Replies: 70
Views: 4407

Re: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?

I would highly recommend getting a Peloton .i am in my mid 60s and I have had mine 6 years and use it almost daily. The community is very motivating and there are groups for different age groups . Also its not just a bike, there are great strength , stretching, running classes . Thousands on demand....
by ginstwin
Sat Jun 06, 2020 7:39 am
Forum: Personal Investments
Topic: Thank You Bogleheads
Replies: 13
Views: 1628

Re: Thank You Bogleheads

Hi Ginstwin, I am retired and while I am a believer in the market I did have moments in March when I was certainly getting very nervous and beginning to look at stop loss levels. Glad that this has worked out so far. But if you were having nervous moments, perhaps your allocation is not appropriate...
by ginstwin
Sat Jun 06, 2020 7:30 am
Forum: Personal Investments
Topic: Thank You Bogleheads
Replies: 13
Views: 1628

Re: Thank You Bogleheads

SB1234 I appreciate your comment. I am happy with my AA and if anything this recent period probably reinforced that. I would be surprised if there were many that werent "nervous" after 35 % falls in days . However sticking to the principles and just being comforted from others on here mad...
by ginstwin
Fri Jun 05, 2020 6:01 pm
Forum: Personal Investments
Topic: Thank You Bogleheads
Replies: 13
Views: 1628

Re: Thank You Bogleheads

Hi Ginstwin, I am retired and while I am a believer in the market I did have moments in March when I was certainly getting very nervous and beginning to look at stop loss levels. Glad that this has worked out so far. But if you were having nervous moments, perhaps your allocation is not appropriate...
by ginstwin
Fri Jun 05, 2020 3:52 pm
Forum: Personal Investments
Topic: Thank You Bogleheads
Replies: 13
Views: 1628

Thank You Bogleheads

I just wanted to thank all members here for the many constructive posts during the Covid sell off . I am retired and while I am a believer in the market I did have moments in March when I was certainly getting very nervous and beginning to look at stop loss levels. Reading the posts here and recogni...
by ginstwin
Sat Mar 21, 2020 8:22 pm
Forum: Personal Investments
Topic: Reassessing AA
Replies: 2
Views: 217

Re: Reassessing AA

I think that makes a lot of sense. I was at 48-52 now at 41-59 through the market moves . My thinking has been very much along those lines.
by ginstwin
Sat Mar 21, 2020 8:37 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30240

Re: How much you lost/gain since Feb 20,2020 ?

Down 17% YTD on a portfolio that was 50-50 . Now 40-60 I dont yet have the stomach to rebalance but I keep considering . I also dont have the stomach to reduce my stock (intentionally) AA . Therefore at the moment I am just staying with it although on a daily basis the AA is skewing further to the l...
by ginstwin
Thu Mar 12, 2020 1:37 pm
Forum: Personal Investments
Topic: Tax loss harvesting
Replies: 8
Views: 316

Re: Tax loss harvesting

Church Lady.

Thanks so much. I really appreciate your posts.
by ginstwin
Thu Mar 12, 2020 11:21 am
Forum: Personal Investments
Topic: Tax loss harvesting
Replies: 8
Views: 316

Re: Tax loss harvesting

Thanks Church Lady for the detailed reply. I am a long term holder and my thought is to sell my VTI holdings in full and buy the equivalent amount of SPY (assuming i can negate market risk within the spread). Dividends arent due until month end so i can cancel any future div reinvestment. So my thin...
by ginstwin
Thu Mar 12, 2020 11:13 am
Forum: Personal Investments
Topic: Tax loss harvesting
Replies: 8
Views: 316

Re: Tax loss harvesting

Got it , thanks so much for your replies.
by ginstwin
Thu Mar 12, 2020 11:10 am
Forum: Personal Investments
Topic: Tax loss harvesting
Replies: 8
Views: 316

Re: Tax loss harvesting

I appreciate your quick reply.

I havent purchased any for at least a year apart from dividend reinvesting. Is my thinking correct though?
by ginstwin
Thu Mar 12, 2020 11:06 am
Forum: Personal Investments
Topic: Tax loss harvesting
Replies: 8
Views: 316

Tax loss harvesting

Quick question. I have a large position in VTI (Vanguard total market) . Was a big profit now obviously a big loss on reval. If I sold the VTI and simultaneously bought the SPY would that make sense ? I understand the market risk of buying and selling at the same time but I want to make sure i under...
by ginstwin
Sat Oct 13, 2018 9:41 am
Forum: Personal Investments
Topic: Relaxing in America during this current market drop
Replies: 20
Views: 4375

Re: Relaxing in America during this current market drop

This is why I like the 2 bucket technique. Your first is enough to cover all monthly liabilities for 5-10 years in principle stable investments (SS, pensions, SPIA, MM, CD, bank account, etc...) then the rest in equities. This way what happens UP or DOWN in the market does not matter on a day to da...
by ginstwin
Wed Jun 06, 2018 4:09 pm
Forum: Personal Investments
Topic: Which Website shows "what if " returns of Portfolio
Replies: 2
Views: 309

Re: Which Website shows "what if " returns of Portfolio

Thats it !!!

Bookmarked !!

Thanks so much , i have been looking for it for ages. Much appreciated.
by ginstwin
Wed Jun 06, 2018 4:05 pm
Forum: Personal Investments
Topic: Which Website shows "what if " returns of Portfolio
Replies: 2
Views: 309

Which Website shows "what if " returns of Portfolio

Hi,
I recall seeing here a great website/calculator showing "what if" returns historically . You entered in ETFs and it calculated what the returns would have been.

Can someone please point me to it I cant for the life of me find it again .

Many thanks
by ginstwin
Tue Dec 20, 2016 3:47 pm
Forum: Personal Investments
Topic: Advice on Portfolio / Savings
Replies: 13
Views: 1844

Re: Advice on Portfolio / Savings

Lee, I will wait for others more knowledgeable than me to critique however I wanted to say that after 35 years (25 years professionally ) I finally understood that Trading (Market timing ) is completely different to Investing (Asset Allocation ). I like you missed this move and quite a few others du...
by ginstwin
Mon Dec 19, 2016 9:46 pm
Forum: Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 2009

Re: Retired and now have a Blank canvas

Dandy, Totally understand. As I said earlier I really like this structure and will now look to begin to implement along these lines. I really appreciate the time you have taken to explain in great detail . I lost sight of the big picture a little and focussed in on the short term for to long. Thank ...
by ginstwin
Mon Dec 19, 2016 5:58 pm
Forum: Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 2009

Re: Retired and now have a Blank canvas

That is exactly what i have been looking at this pm. I have begun to get my shopping list together. I think I am more comfortable with ETFs although I fear the Trader in me will want to cut and run ! Discipline is key and I really like the approach in this community. By the way i saw your thread reg...
by ginstwin
Mon Dec 19, 2016 5:55 pm
Forum: Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 2009

Re: Retired and now have a Blank canvas

Thanks Dandy. That makes tremendous sense and I can see the benefit in my case. Just so i fully understand you: if we use lets say for arguments sake $25k of shortfall p.a . Dr Bernsteins idea would be to have 25 years of $25k = $625k in "safe " fixed income. That is a separate "portf...
by ginstwin
Mon Dec 19, 2016 2:06 pm
Forum: Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 2009

Re: Retired and now have a Blank canvas

Sorry I meant is there any advantage in buying Vanguard funds directly or can I buy that fund through my broker without a disadvantage. I can now see that my broker would charge a transaction fee (not the regular tiny commission trade fee).
by ginstwin
Mon Dec 19, 2016 1:36 pm
Forum: Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 2009

Re: Retired and now have a Blank canvas

Thank you very much for the excellent information. I will download / purchase the books recommended. I cannot tell you how I can suddenly see a little clearer. I note that the suggested funds are Vanguard funds. Are there any benefits of buying directly from Vanguard or can I purchase through the 3 ...
by ginstwin
Mon Dec 19, 2016 12:20 pm
Forum: Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 2009

Re: Retired and now have a Blank canvas

Excellent information. I will work on this today. I really very much appreciate the help. I see no problems for you simply investing in a few index funds starting with the 3-fund portfolio as described in the bogleheads wiki: https://www.bogleheads.org/wiki/Three-fund_portfolio So after reading that...
by ginstwin
Mon Dec 19, 2016 12:14 pm
Forum: Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 2009

Re: Retired and now have a Blank canvas

Thank you very much for the quick reply. I will research your suggestion this pm. I really appreciate it. My wife doesnt have earned income either as we are both retired. A simple three fund portfolio of Total US Stock Market (VTSAX), Total International Stock Market (VTIAX) and Total Bond Market (V...
by ginstwin
Mon Dec 19, 2016 11:48 am
Forum: Personal Investments
Topic: Retired and now have a Blank canvas
Replies: 16
Views: 2009

Retired and now have a Blank canvas

I am 60 and retired. I would really like some input into restructuring, or should i say structuring my portfolio. For a variety of reasons (partially explained below) I have a large cash balance with almost zero equity and bond allocation. Emergency funds: Have large cash balance Debt: None. Tax Fil...
by ginstwin
Mon Nov 04, 2013 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contributions
Replies: 0
Views: 223

HSA Contributions

Hi I am going to begin a HSA Qualified Health Insurance Plan this month (November 2013) . I am over 55 under 65 Two quick questions. 1.As i understand it with the "catch up" I can invest $7500 next year. Can i i invest 2/12ths this year as well ? (i.e November and December) I assume my con...