Search found 2714 matches

by munemaker
Sun Apr 22, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7744

Re: Need for Medicare supplemental plan?

How's the network with that advantage plan? (one reason my relative picked a "regular" supplement plan) And does that $4,000 cover you if you have an in/outpatient procedure, but an out-of-network provider ends up in the mix? The network is University of Pittsburgh Medical Center (UPMC) and they ar...
by munemaker
Sun Apr 22, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 22611

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater wrote:
Sat Apr 21, 2018 12:02 pm

If it were me, I'd wait to look at the 2019 RAV4 coming out this winter.
Pictures of the 2019 RAV4 look nice, but isn't it bad form to buy the first year of a redesign? Something about the new model having defects that might not be immediately obvious.
by munemaker
Sat Apr 21, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: New car hit accident - loss of dimished value
Replies: 27
Views: 2112

Re: New car hit accident - loss of dimished value

Hi Thanks for looking out and giving suggestion. My one month old 2018 CRV EX AWD with just 1000 miles got rear ended by another car. No air bag deployed and other car got totalled. Since we both are in same insurance, fixing my car is not much pain and insurance/body shop gave life time warranty f...
by munemaker
Sat Apr 21, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7744

Re: Need for Medicare supplemental plan?

Here's an article with more details. It's not terribly straightforward - sometimes that's to the insured's advantage and sometimes not. https://www.ehealthmedicare.com/medicare-supplement-articles/changing-medicare-supplement-insurance-plans/ The question I have is if your MA plan ceases, BUT there...
by munemaker
Sat Apr 21, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Want to be 100% in stock index funds ,
Replies: 31
Views: 2748

Re: Want to be 100% in stock index funds ,

I will be retiring soon and I have been reading Morningstars ETF Inverter , and the AAII publication for several years. I think I can do ok without taking anything out of my portfolio for the first 5 years or so . So it seems to me that I'll be better off in 5 years if I'm totally in Total world st...
by munemaker
Sat Apr 21, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 22611

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The Honda CRV was at the top of my list when I first saw this thread. I did some reading about it, and now it's not on the list at all. Just as troublesome as the problem itself is Honda's failure to deal with it. Initially I was thinking Toyota as the obvious alternative, but perhaps the Acura RDX...
by munemaker
Fri Apr 20, 2018 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $950,000 over next 45-90 days
Replies: 27
Views: 3379

Re: How to invest $950,000 over next 45-90 days

Factor1 wrote:
Thu Apr 19, 2018 12:16 pm

Question: What does the Boglehead community say regarding our options for investing this cash for 45-90 days?
You should not invest money with a 45-90 day window. Just go with a money market or savings account.
by munemaker
Fri Apr 20, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 3934

Re: Costco Free Screenings

Sam's Club also has free health screenings...BP, cholesterol, BMI, hearing, etc.
by munemaker
Fri Apr 20, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16215

Re: anyone else not liking the new cars?

Perhaps that's why so many folks are going "retro". :D 1969 Pontiac GTO (the Judge) . . . See, I knew I liked you! That is my “price is no object” vehicle. In Orange. Had one "back in the day". White not Orange though. Or this.. . . 1969 Camaro Z28 396 c.i. Easily fixed by any mechanic, parts at lo...
by munemaker
Fri Apr 20, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Plan - grandmother or son?
Replies: 11
Views: 896

Re: 529 Plan - grandmother or son?

The VA 529 plan is really good. On top of offering the Vanguard Total Stock Market fund at low expense ratio, it has a really nice feature. Set the fund up in the son's name as owner. Mom can be added to the account in a way that she can view it and deposit money but not make any changes to the acco...
by munemaker
Fri Apr 20, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10841

Re: Quitting job - what to do if getting walked to the door

randomizer wrote:
Wed Apr 18, 2018 9:48 am
This is why it is better to give notice on the 1st of the month and not the 30th. (That way you get health insurance coverage for the whole month.)
Common but not universally true. At my last employer, coverage stopped on the last day you reported for work.
by munemaker
Fri Apr 20, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 10841

Re: Quitting job - what to do if getting walked to the door

ddurrett896 wrote:
Wed Apr 18, 2018 8:40 am

If I thought things would get hostile and I'd be escorted out immediately, I wouldn't put in a 2 week notice.
A manager who reported to me at one time recently emailed me, asking for a reference. I declined, reminding the former employee that customary notice was not given upon departure.
by munemaker
Fri Apr 20, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7744

Re: Need for Medicare supplemental plan?

No, you are not automatically eligible to change every year. Do some googling. Googling, it looks like you have the right to switch from one Medicare Advantage plan to another Medicare Advantage plan once a year. However the same does not apply to Medigap (You don't have the right to switch from on...
by munemaker
Fri Apr 20, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for ACA ? [Colorado]
Replies: 17
Views: 1423

Re: Applying for ACA ?

This is one of the better sources I have found for understanding and optimizing ObamaCare subsidies.

https://www.gocurrycracker.com/obamacar ... etirement/
by munemaker
Fri Apr 20, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7744

Re: Need for Medicare supplemental plan?

No, you are not automatically eligible to change every year. Do some googling. Googling, it looks like you have the right to switch from one Medicare Advantage plan to another Medicare Advantage plan once a year. However the same does not apply to Medigap (You don't have the right to switch from on...
by munemaker
Fri Apr 20, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7744

Re: Need for Medicare supplemental plan?

No, you are not automatically eligible to change every year. Do some googling. Googling, it looks like you have the right to switch from one Medicare Advantage plan to another Medicare Advantage plan once a year. However the same does not apply to Medigap (You don't have the right to switch from on...
by munemaker
Thu Apr 19, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Financial planners [looking for one]
Replies: 26
Views: 1938

Re: Financial planners [looking for one]

If you are looking for a financial planner, look in the mirror.
by munemaker
Thu Apr 19, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16215

Re: anyone else not liking the new cars?

steelerfan wrote:
Wed Apr 18, 2018 1:01 pm

Also, the new rear end on Honda Civics ... is just awful.
I like the back end of this Civic! Beauty is in the eye of the beholder.

Image
by munemaker
Thu Apr 19, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 16215

Re: anyone else not liking the new cars?

I am kind of liking the 2019 RAV-4, at least in the picture:

Image
by munemaker
Thu Apr 19, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7744

Re: Need for Medicare supplemental plan?

First time I've ever heard of Plan "G". Plan F is apparently still available to new enrollees today. I just received an ad in the mail today from Highmark pushing Plan F. They said "...you'll enjoy a monthly premium as low as $155.10..." If plan F goes away the only ones left will be old and sick p...
by munemaker
Thu Apr 19, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 22611

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater wrote:
Sat Apr 14, 2018 1:06 pm
The word may be getting out (I hope).
Maybe a good time to short Honda stock, or at least buy PUT options.
by munemaker
Thu Apr 19, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for ACA ? [Colorado]
Replies: 17
Views: 1423

Re: Applying for ACA ?

Getting ready to apply for ACA - Colorado. For those that have gone through this process (or know alot about it), is there anything I should be aware of ? Any suggestions/tips ? Did any of you go through a broker/agent ? If you are expecting a subsidy, you need to estimate your family income by sou...
by munemaker
Thu Apr 19, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7744

Re: Need for Medicare supplemental plan?

First time I've ever heard of Plan "G". G is basically F with a $183 deductible. At some point, F plans will no longer be sold to new enrollees. Plan F is apparently still available to new enrollees today. I just received an ad in the mail today from Highmark pushing Plan F. They said "...you'll en...
by munemaker
Thu Apr 19, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2617

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

With the rising rates and negative returns of bond funds, some people are putting the fixed portion of their portfolio in MMFs.
by munemaker
Thu Apr 19, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9329

Re: Got hit with a $2800 Medical bill. Can I negotiate?

SlowMovingInvestor wrote:
Thu Apr 19, 2018 12:23 pm

The Out of pocket max for 2018 is $7350 for individuals.
Yes, that's the max. but my current ObamaCare plan has zero deductible. There is co-insurance for many things.
by munemaker
Thu Apr 19, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4280

Re: PC laptops

To create an account: Go to www.gmail.com. Click Create account. The signup form will appear. ... Review Google's Terms of Service and Privacy Policy, click the check box, then click Next step. Here, you'll have an opportunity to set up recovery options. ... Your account will be created, and the Go...
by munemaker
Thu Apr 19, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4280

Re: PC laptops

Whenever I decommission a PC, I pull the hard drive, mount it in a USB enclosure, connect it to another PC and wipe it with Kill Disk, since my entire financial existence is on it. Not being able to do this to an SSD drive when necessary is a show-stopper. I beat the old hard drive to death with a ...
by munemaker
Thu Apr 19, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 150
Views: 7744

Re: Need for Medicare supplemental plan?

My 89 year old mother in law opted for a Medicare Advantage plan with no monthly premium when she retired at age 65 . It worked great for her until last September when she was hospitalized for ten days for stage four chronic kidney failure, then discharged for a week and then readmitted for another...
by munemaker
Thu Apr 19, 2018 6:04 am
Forum: Investing - Theory, News & General
Topic: Goof? Prime MM, "retail," "Admiral," $5 million minimum?
Replies: 20
Views: 2617

Re: Goof? Prime MM, "retail," "Admiral," $5 million minimum?

No, I don't think it is a mistake.

The Admiral shares are to pass lower expense ratios on to larger account holders (not for pikers).
by munemaker
Wed Apr 18, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4280

Re: PC laptops

How do I get a google account? To create an account: Go to www.gmail.com. Click Create account. The signup form will appear. ... Review Google's Terms of Service and Privacy Policy, click the check box, then click Next step. Here, you'll have an opportunity to set up recovery options. ... Your acco...
by munemaker
Wed Apr 18, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9329

Re: Got hit with a $2800 Medical bill. Can I negotiate?

samsoes wrote:
Wed Apr 18, 2018 6:20 pm
fizxman wrote:
Wed Apr 18, 2018 5:17 pm
The day I get this type of transparency in the health industry, I'll dance naked in the streets.
I'll join you. (Speaking for myself, it won't be a pretty sight but it'll be worth it.)
Couldn't we come up with a different bargain on this?
by munemaker
Wed Apr 18, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9329

Re: Got hit with a $2800 Medical bill. Can I negotiate?

Forget about the morality of the situation. It is just business. If you can negotiate a deal, good for you. But when you sign up for a high deductible plan, and the provider has already discounted the bill to the insurance company per an agreement, I think you are unlikely to find much sympathy from...
by munemaker
Wed Apr 18, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9329

Re: Got hit with a $2800 Medical bill. Can I negotiate?

One thing too is where you were injured...I had fallen once on a common path in our town due to maintenance issue, and I got a letter from my insurer asking where this happened. Town paid the Bill in the end. It is called subrogation: the substitution of one person or group by another in respect of...
by munemaker
Wed Apr 18, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4280

Re: PC laptops

How do I get a google account? To create an account: Go to www.gmail.com. Click Create account. The signup form will appear. ... Review Google's Terms of Service and Privacy Policy, click the check box, then click Next step. Here, you'll have an opportunity to set up recovery options. ... Your acco...
by munemaker
Wed Apr 18, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Does low-cost active management makes sense for international?
Replies: 8
Views: 585

Re: Does low-cost active management makes sense for international?

cegibbs wrote:
Sun Apr 15, 2018 11:47 am
Does low-cost active management makes sense for international, or am I just kidding myself?
For Emerging Markets, yes.
by munemaker
Wed Apr 18, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Owning 3 vehicles
Replies: 27
Views: 2054

Re: Owning 3 vehicles

The one thing I don't like about owning 3 cars with 2 drivers is the insurance premium for the 3rd car is priced as though all 3 cars are being driven at the same time. The discount for the 3rd car is small. With 3 cars/2 drivers, only 2 can physically be driven at a time. Seems like the insurance c...
by munemaker
Wed Apr 18, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4280

Re: PC laptops

... with Chromebooks, can you download documents/files off the web - jpg/pdf/mp3/... - to a local storage device; something USB based such either a flash drive or a external hard drive? With Chromebooks, you certainly can download documents/files from the web in any format, including the ones you m...
by munemaker
Wed Apr 18, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4280

Re: PC laptops

I'm thinking between Lenovo and Chromebook, what it is that Chromebook cannot do. Read this for some good advice on whether a chromebook is right for you. For most people, it is. I have a desktop PC (had it before I bought my two chromebooks), but seldom use it anymore. As has been mentioned, setti...
by munemaker
Wed Apr 18, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 9329

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I would like to pay part of my car loan (I don't really have one) and call it done too, rather than making payments. Can someone let me know how to do this?

If you can't afford to pay the deductible, why would you choose a high deductible plan?
by munemaker
Tue Apr 17, 2018 5:25 pm
Forum: Investing - Theory, News & General
Topic: Cash instead of bonds?
Replies: 56
Views: 5402

Re: Cash instead of bonds?

That sounds like a fine plan. Vanguard's Prime MM is showing a 1.77% yield. Total bond market (what I assume when one says "bonds") yields 2.86%. ... so why not get the extra 1% by taking the bond fund? Here's one reason: What you actually receive with the bond fund is the total return, not just th...
by munemaker
Tue Apr 17, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4280

Re: PC laptops

mmmodem wrote:
Tue Apr 17, 2018 2:30 pm
The beauty of it is that it runs full windows 10.
"Beauty is in the eye of the beholder."
by munemaker
Mon Apr 16, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest way for minor child to file taxes
Replies: 16
Views: 853

Re: Easiest way for minor child to file taxes

...a quick google search shows that "you need to pay self-employment tax if your net earnings from self-employment are at least $400 over the tax year.". It is commendable that the OP and his daughter to want to file and pay the taxes. A lot of people would just keep this relatively small amount of...
by munemaker
Mon Apr 16, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2517

Re: Can't afford health insurance -- options?

Pajamas wrote:
Mon Apr 16, 2018 9:41 am

Not an issue for them because Georgia's government chose not to expand Medicaid.
Thanks - missed the part about them living in Ga.
The U.S. does not have universal health care coverage.
Of course not! Who thought we (the US) did?
by munemaker
Mon Apr 16, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 90
Views: 8606

Re: Wanting to leave Fidelity

Like others here, I use Fidelity for investments and a regular bank and credit union for checking, direct deposits, and cash/bill management. It works very easily. I've done this for decades. Use Ally and some local bank for savings and just setup back and forth transfers between them, that's all. ...
by munemaker
Mon Apr 16, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 90
Views: 8606

Re: Wanting to leave Fidelity

If you like someone calling you randomly at work and home trying to sell you the latest "gimmick" then hang with Fidelity. I won't. I have never received a call from Fidelity, nor has my wife. Never. Maybe our account there is too small for them to try to up-sell us. Most of our assets are at Vangu...
by munemaker
Mon Apr 16, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2517

Re: Can't afford health insurance -- options?

"Google" search "ACA Subsidy Cliff". Don't fall off of it. Consequences are $$$$$$$$$. ACA SUBSIDY CLIFF https://www.gocurrycracker.com/obamacare-optimization-vs-tax-minimization/ aloha j :D It really doesn’t look like OP’s son and DIL are at risk of falling off the subsidy cliff anytime soon since...
by munemaker
Sun Apr 15, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can't afford health insurance -- options?
Replies: 23
Views: 2517

Re: Can't afford health insurance -- options?

Son makes 24k a year. Wife has part time retail job. Just had a baby. He has family health insurance through his job -- 11K a year. Anything I can suggest to him? If employer provided health insurance is not affordable, one can get on ObamaCare. ObamaCare defines employer insurance as not affordabl...
by munemaker
Sun Apr 15, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3859

Re: Is it necessary to replace brake fluid on a car every 3 years?

I target to change every 2 years, but don't freak out if it stretches to 3. But skip it entirely at your own peril--literally. use a mityvac like another member suggested, or a powerbleeder like I use, and you can easily do it yourself in under an hour. You're talking a one-time cost of around $60 ...
by munemaker
Sun Apr 15, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Options to a Bose Wave Radio
Replies: 26
Views: 5645

Re: Options to a Bose Wave Radio

hoops777 wrote:
Thu Feb 16, 2017 6:17 pm
I find Bose to be very overrated
Me too but some people love them.
by munemaker
Sun Apr 15, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3859

Re: Is it necessary to replace brake fluid on a car every 3 years?

My Honda Accord manual tells me to replace the brake fluid every 3 years. My independent car place thought it was bogus and there was no reason to do it unless there was some kind of braking issue. They asked me if I had ever replaced it on the previous car I owned - well I don't recall ever doing ...