Search found 127 matches

by Kaufmanrider
Tue Oct 08, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 113
Views: 10958

Re: FEHB Open Season 2019

My take, it appears Elevate has a $500 individual and $1000 family deductible that must be paid before plan payment/copays kick in and they offer the ability to earn 500 in incentives (per person max $1000 family). Elevate Plus has no deductible. Copays kick in from day one. Not sure about incentive...
by Kaufmanrider
Wed Jun 12, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: New Federal employee ... Choosing Healthcare
Replies: 19
Views: 1699

Re: New Federal employee ... Choosing Healthcare

Windylotus wrote: Wed Jun 12, 2019 9:43 am GEHA (HDHP) for the family. They contribute $150 per month to your HSA account.
I agree, after over 20 years of BC/BS I switched. They fund 1800 a year (150 a month. Family deductable is 3000. After that they pay 95%. Preventative dental and eye exams included in plan.
by Kaufmanrider
Sat Jun 08, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Questions before we sign - Transamerica term life policy
Replies: 6
Views: 392

Re: Questions before we sign - Transamerica term life policy

I have had a term life policy with Transanerica for 4 years now. I signed up for monthly direct debit (ACH) payments for my premium. Never had any issues.
by Kaufmanrider
Thu Dec 13, 2018 7:39 am
Forum: Personal Investments
Topic: Exceeded the Social Security Income Limit
Replies: 9
Views: 1596

Re: Exceeded the Social Security Income Limit

I asked a similar question to NARFE (National Active and Retired Federal Employees) as i am considering going back to work as a Fed retiree. They told me IRA, 401, HSA contributions etc., don't matter. It is based off your gross pay before deductions, withholdings. This year I'll be OK (55), but in ...
by Kaufmanrider
Tue Dec 04, 2018 5:51 pm
Forum: Personal Investments
Topic: Trading question for diy Schwab bh’s
Replies: 5
Views: 707

Re: Trading question for diy Schwab bh’s

I use Schwab.com for my accounts, IRA and Brokerage, and have not had any issues.
by Kaufmanrider
Sun Nov 25, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 50
Views: 8462

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

Those Feds that have the GEHA HDHP. How does the pass through contributions work? Since they start their contribution in Feb say $125/month for 2018, will their contributions be $125 short? If you keep the insurance in 2019 will they contribute to both 2018 and 2019 contributions in Jan 2019? Hope ...
by Kaufmanrider
Sat Nov 24, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 50
Views: 8462

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

My experience is different than yours but only because I take an injectable biologic that skews BCBS basic in my favor. If you look at the GEHA HDHP, prescriptions are 25% copay after deductible, and since my injections are $24k per year, the injections alone cost me $8250 under the GEHA HDHP plan ...
by Kaufmanrider
Sat Nov 24, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 50
Views: 8462

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

No issues with any billing, claims, or approval for procedures. This includes dental preventative and vision exams. We're happy and will renew. We had BCBS Basic for over 10 years and we were happy with them also. It came down to cost, benefits and tax savings. Being retired the HSA is a plus. You c...
by Kaufmanrider
Sat Nov 24, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 50
Views: 8462

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

The family deductible of $3000 must be met with all family members out of pocket expenses added together. After, it's 5% copay (25% for prescriptions). Family out of pocket max is $10,000 but any one family member will be covered 100% when that individual family member reaches the individual out of ...
by Kaufmanrider
Fri Nov 23, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 50
Views: 8462

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

[/quote] Right, that's because you are using the TDA platform, what is avialable in the HSA Bank investment platform? [/quote] HSABank does not have any investing options. They offer you the chance to have a TDAmeritrade account linked to your HSA or an account with DEVENIR linked to your account, o...
by Kaufmanrider
Fri Nov 23, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 50
Views: 8462

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

The other consideration is the HSA account that GEHA uses. What is the maintenance fee and administration fee? What are the investment options/cost? The HSA is through HSA Bank. GEHA covers the fee as long as you stay with HSA Bank. The investment options at HSA Bank aren't that good, but you can l...
by Kaufmanrider
Thu Nov 22, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!
Replies: 50
Views: 8462

Re: FEHB BCBS Basic vs. GEHA HDHP – Advice Needed!

I switched from BCBS basic to GEHA HDHP last year. GEHA also include a vision plan. Staying with GEHA again.
by Kaufmanrider
Sun Nov 18, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Company Reccomendations
Replies: 7
Views: 977

Re: Life Insurance Company Reccomendations

About 5 years ago i called Select Quote. They got me a policy through Transamerica with a higher payout for about half the cost of my existing insurance. Needless to say, i switched. :-)
by Kaufmanrider
Sat Nov 10, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 Open Season] FEHB HDHP options for Federal Employees
Replies: 39
Views: 5071

Re: FEHB HDHP options for Federal Employees

Can someone clarify when the HSA would actually be "set up." OPM says medical expenses are only reimbursable after the HSA is set up. The GEHA pass through contribution would not be available until February 15, but I assume if I am contributing to my HSA the account will be set up when I ...
by Kaufmanrider
Tue Nov 06, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: [2018 Open Season] FEHB HDHP options for Federal Employees
Replies: 39
Views: 5071

Re: FEHB Open Season HDHP shopping: Stay with GEHA or switch to MHBP?

GEHA does have Health Incentives and I always take advantage of them. :happy https://www.geha.com/savings/health-rewards I have been researching the Mail Handlers Consumer Driven HDHP Plan as it does interest me, however, do they provide the Health Incentive "money" to the HDHP? The websit...
by Kaufmanrider
Fri Oct 12, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: ProFed Fed Employee Retirement workshop: FA sales or legit help?
Replies: 13
Views: 1603

Re: ProFed Fed Employee Retirement workshop: FA sales or legit help?

Never heard of them but you might check out the Webinars and information offered through the National Active and Retired Federal Employees, NARFE. I happen to be a member.

https://www.narfe.org/federalbenefitsinstitute/
by Kaufmanrider
Fri Sep 21, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 10705

Re: Physical Banking - Any benefits anymore?

One thing to consider is the maximum check amount that you can deposit using any mobile app they use. Other than for convenience, the last time I went to the physical bank was to deposit such a check. Greater than the max allowed by the two banks I do business with. Happens rarely, but it does happ...
by Kaufmanrider
Sun Jun 17, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 2574

Re: Italy Trip Questions

We are planning a trip from the U.S. to Italy next year and I would appreciate some help with these two questions: 1. Is 10 days long enough to visit Rome, Tuscany, and Florence? 2. It seems like all the flights from the U.S to Rome cost close to $2,000. However, there are often flights to London f...
by Kaufmanrider
Mon Jun 11, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 57
Views: 6115

Re: Water heater installation situation

Where is the water heater located in the house?

What state do you live in? I am sure building codes differ.

What has the contractor recommended to correct the issue?
by Kaufmanrider
Thu May 03, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB, HDHP, Married, Fed is Veteran who uses VA services - HSA Opportunities?
Replies: 5
Views: 570

Re: FEHB, HDHP, Married, Fed is Veteran who uses VA services - HSA Opportunities?

I can't answer your questions, but I can say our situation is similar to yours. I am a retired FED, veteran with no service connection and I had been using VA. Spouse not a FED and not a veteran. I opted to forgo VA and try the GEHA HDHP this year for the HSA benefits. We are fairly healthy, in our ...
by Kaufmanrider
Wed Apr 11, 2018 7:40 am
Forum: Investing - Theory, News & General
Topic: "Don't Use the 200-Day Moving Average as a Sell Signal" - Ben Carlson
Replies: 44
Views: 4453

Re: "Don't Use the 200-Day Moving Average as a Sell Signal" - Ben Carlson

From the article: "Siegel’s results showed an annualized return of 9.7 percent from 1886-2012 for the timing model versus a 9.4 percent return for a simple buy and hold strategy. Once transaction costs were factored in, the timing model would have dropped to a return of 8.1 percent."
by Kaufmanrider
Wed Mar 28, 2018 5:48 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 83
Views: 31120

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I guess I am lucky, my Health Insurance provider covers my HSA Bank fees. :D I logged onto my account to check investing fees and open a TD Ameritrade Account as I just started my HSA plan this year. I found this statement on my investment options page: $0.00 monthly investment service fee may be ch...
by Kaufmanrider
Thu Jan 04, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA account set up help
Replies: 25
Views: 2737

Re: Federal Employee HSA account set up help

[/quote] I'd be careful here. I'm in the same boat, and reading the FAQ very carefully as well as googling, you're not actually eligible to make HSA contributions until you have had an HDHP effective on the first day of the month in question.. Since the effective date for new enrollees is January 7,...
by Kaufmanrider
Wed Jan 03, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee HSA account set up help
Replies: 25
Views: 2737

Re: Federal Employee HSA account set up help

I am a federal retiree and I signed up for GEHA HDHP this open season. I received a letter from HSA Bank before Christmas welcoming me and providing account set-up instructions. I'm up and running.
by Kaufmanrider
Wed Nov 15, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 13450

Re: Michelin or Bridgestone?

I just put Goodyear Assurance All Season on my 2015 Prius. Sam's Club had a sale, $320 installed. Stock tires lasted 46k miles. I guess time will tell with these.
by Kaufmanrider
Thu Jul 27, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Part-Time Job who ?
Replies: 11
Views: 2632

Re: Part-Time Job who ?

After retirement and before I relocated I worked part-time at an assisted living/memory care facility. They needed someone to drive their mini bus and take residents to medical appointments, take them on shopping trips, assist with basic maintenance issues, resident activities, etc. When I interview...
by Kaufmanrider
Sat Apr 22, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 5658

Re: Moving... and U-haul trucks are expensive!

Maybe it's on where you live? I used U-Haul to move my daughter. Twenty foot box truck was $119 for two days and 180 miles. Of course I had a full one bedroom apartment worth of furniture, not just a bed and desk. The moving help I hired cost more then the truck, but they earned their money and save...
by Kaufmanrider
Thu Apr 06, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 371
Views: 57366

Re: Low-earners- What is your profession?

I worked for the Federal Prison System, Bureau of Prisons. Started in 1988 making $16,000 a year. Retired in 2014 making $97,000 a year. Wife was stay at home but last few years before I retired worked part-time at Lowes making about $12-14,000 a year. Federal job did have some perks. Retired after ...
by Kaufmanrider
Fri Dec 09, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Veterans Administration(VA) benefits for my sister
Replies: 10
Views: 1665

Re: Veterans Administration(VA) benefits for my sister

My advice is to contact the local American Legion or Veterans of Foreign Wars Post in your local area and ask to speak to a "Service Officer." These organizations have members who have been trained in VA benefits. They will, for free, submit applications to the VA for benefits and work on ...
by Kaufmanrider
Wed Mar 16, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3937

Re: Dallas Metro Area

We are about 35 miles East, but Forney has good schools, many affordable new/newer homes, 150k and up and a young demographic, families with young children. Depending on traffic it could take 45min to an hour to Farmers Branch.
by Kaufmanrider
Sun Mar 06, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 26
Views: 3379

Re: Riding Lawn Mower

I am with the zero turn crowd. I have an acre plus, and mow my parents acre plus. I had a riding lawn tractor (craftsman) for 10 years. In 2013 I went to a Husqvarna 48 inch zero turn. I can now do in an hour what used to take me 2-4 hours.

From March-Oct I mow my Bermuda every 3-4 days.
by Kaufmanrider
Wed Feb 03, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 10499

Re: What age did you retire

49 years, 5 months. It's been 2 years.
by Kaufmanrider
Fri Jan 15, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees Group Life Insurance After Retirement
Replies: 15
Views: 3709

Re: Federal Employees Group Life Insurance After Retirement

I switched to WAEPA a few years ago as they had better rates for higher coverage then FEGLI. About 6 months ago I called Select Quote and got a term policy until I turn 66 with a low fixed premium. Lower than WAEPA.
by Kaufmanrider
Wed Jan 13, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 122
Views: 62718

Re: Amazon Prime Shipping Issues since move from UPS to USPS

I have had no issues with the use of the USPS by Amazon. In fact, I now routinely get my Amazon Prime orders delivered on Saturday and Sunday. UPS never delivered on weekends.
by Kaufmanrider
Mon Jan 11, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: 72t - Annual or Monthly Distributions?
Replies: 4
Views: 1346

Re: 72t - Annual or Monthly Distributions?

Annual, semi annual, quarterly, bi monthly, monthly, it doesn't matter. Pick your method. At the end of the year when you file you get one form with one dollar amount for your 72t distributions for the year. Personally, I also do monthly.
by Kaufmanrider
Fri Dec 04, 2015 1:34 pm
Forum: Personal Investments
Topic: 72T silly question
Replies: 5
Views: 1333

Re: 72T silly question

72t.net is a good resource.
by Kaufmanrider
Fri Dec 04, 2015 6:38 am
Forum: Personal Investments
Topic: 72T silly question
Replies: 5
Views: 1333

Re: 72T silly question

You are correct. Keep enough cash in your IRA to cover your distribution. When I rebalance annually, I move just enough money into cash within the account to cover that year's distribution.

I might add, I consider that cash as part of my bond allocation.
by Kaufmanrider
Thu Nov 19, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 24390

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?

Unfortunately, because my son receives treatment from the VA for service connected disabilities I am not eligible for HSA contributions for 90 days following him receiving VA healthcare. This is per GEHA and OPM. He is under 26 and I feel more comfortable keeping him on my family plan just in case h...
by Kaufmanrider
Thu Nov 12, 2015 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HD plan and FedVIP Dental - Federal employee open season question
Replies: 8
Views: 1931

Re: GEHA HD plan and FedVIP Dental - Federal employee open season question

In the past I had a dentist who was not in network for my BCBS Basic Preventative Dental, but they were in network for my FEP Dental-GEHA. Dental office had to Bill BCBS first, which they denied payment. Dental office then billed GEHA and included the BCBS denial. GEHA paid.
by Kaufmanrider
Tue Oct 20, 2015 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Aetna HDHP vs. GEHA HDHP (federal employee), [son is disabled vet]
Replies: 3
Views: 877

Aetna HDHP vs. GEHA HDHP (federal employee), [son is disabled vet]

The past two years I have contemplated changing from BC/BS Basic to one of these two HSA's as my wife and I are in good health and I was looking for extra tax deductions in retirement. However, as my son is a 100% disabled vet and receives medical care from the VA I was informed by GEHA and OPM I wo...
by Kaufmanrider
Sun Oct 18, 2015 7:18 pm
Forum: Personal Investments
Topic: Taxes on TSP
Replies: 9
Views: 1287

Re: Taxes on TSP

When you submit your withdrawal request after separation you tell them how much to deduct, either based on marital status and number of dependents or a dollar amount or maybe its a percentage? Go to TSPs website and review the full withdrawal form TSP 70.
by Kaufmanrider
Fri Oct 09, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 91
Views: 25948

Re: Ken Moraif must be getting nervous

As of Oct 4 email he is still out and he expects the market to continue down. He is not your normal market timer. His philosophy is Buy and Hold, then sell and get out before a bear market and stay out until the bulls run again.
by Kaufmanrider
Sat Sep 12, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: Prius owners and rest of Bogleheads
Replies: 44
Views: 6484

Re: Prius owners and rest of Bogleheads

will do. I checked my MPG yesterday (calculated by actual fill) and it was 55. We bought a,2015 prius in June. Just had 5000 mile service. Since purchase we are averaging 48 miles per gallon. Originally we bought it for mostly city driving but in July learned I had to drive dallas to Houston a coup...
by Kaufmanrider
Mon Aug 24, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 9663

Re: Who's selling now?

I have been tempted to sell the past few days but then I take a deep breath and look back on my investing/401 k history. I bought and held SP500, 100% from 1988 through 2008. In 2008 I panic sold and tried to outsmart the market and time it. My friend kept telling me just roll the dice and let it ri...
by Kaufmanrider
Fri Aug 07, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: FERS & social security
Replies: 8
Views: 1433

Re: FERS & social security

Your social security in most cases will be larger. Your special supplement you receive is a percentage of what your SS would have been at retirement age. OPM uses a special formula which I am told is very complicated and is done by hand as they have not found a computer program that does it correctl...
by Kaufmanrider
Sun Jul 19, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 20649

Re: honda civic or Prius?

Bought a 2015 Prius 3 last month. Just under 2000 miles and we are averaging 47 miles to the gallon. Very happy with the purchase. I love that it costs as much to fill up my motorcycle as it does the Prius.
by Kaufmanrider
Wed Jun 03, 2015 8:03 pm
Forum: Personal Investments
Topic: The Ultimate Buy and Hold Portfolio - Do I Need All These Funds?
Replies: 23
Views: 6131

Re: The Ultimate Buy and Hold Portfolio - Do I Need All These Funds?

I follow using ETF's in my Schwab IRA. I have all the recommendations in the strategy but have added International bonds and Corp. Bonds at 3% each. 60/40 asset allocation.

Happy with my diversification and rebalancing is a snap, maybe 10-15 minutes.
by Kaufmanrider
Tue May 26, 2015 7:22 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 14725

Re: Still make sense to have AAA membership?

I have AAA for a number of years and very happy. We have used their towing service on a number of occasions, always been within 30 minutes. My son got his truck stuck on the tank trails while at Fort Hood one time. AAA sent a tow on base and pulled him out. Our mechanic is AAA approved, so 10% of th...
by Kaufmanrider
Sun May 24, 2015 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 61
Views: 35254

Re: Question about Citi Double Cash Card

INTRESIS wrote:Is it true that if you pay off your entire balance right away every month, you won't get the full 2% cash back?
I pay my card off monthly and get 2%. 1% for my payment of the statement balance and 1% for new charges toward the next statement balance.