Search found 75 matches

by Paulie
Fri Feb 08, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 4101

Re: Is General Practitioner [billing Medicare correctly?]

I am not even sure if OP can read my post way down here but will throw in my 2 cents. I hate Medicare wellness visits. Practically no one ever wants to come in for just the Medicare wellness and I do my best to tell them when they “cross the line” in the sense of triggering a copay. The actual well...
by Paulie
Thu Feb 07, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 4101

Re: Is General Practitioner Scamming Medicare

Hi I think the advanced care planning is a requirement To be asked during wellness visit. Did not know it was a seperate charge though. In regards to the gerd was it a problem addressed during the visit? There is but there are certain qualifications you have to meet. I believe the CPT is 99497. now...
by Paulie
Thu Feb 07, 2019 4:23 pm
Forum: Personal Investments
Topic: Fund for RMD.
Replies: 9
Views: 1000

Re: Fund for RMD.

Yes thank you saw that while looking at turn over rates as mentioned may convert that entire holding to T Stk. I'd suggest checking your latest cost basis on the investment and calculating the capital gains exposure. If you do decide to sell note that any market decline can reduce capital gains or ...
by Paulie
Wed Feb 06, 2019 4:21 pm
Forum: Personal Investments
Topic: Fund for RMD.
Replies: 9
Views: 1000

Re: Fund for RMD.

Vanguard Dividend Growth distributed Short Term and Long Term Capital Gains in 2018. https://investor.vanguard.com/mutual-funds/profile/distributions/vdigx Vanguard Total Stock Market has only been paying out dividends and would be more tax efficient. Yes thank you saw that while looking at turn ov...
by Paulie
Wed Feb 06, 2019 4:19 pm
Forum: Personal Investments
Topic: Fund for RMD.
Replies: 9
Views: 1000

Re: Fund for RMD.

How and how often is not the question ? pertained to where to put the withdrawals for tax efficiency. T Stk or Div Grth Ok, gotcha. Yes indeed, invest in VTSAX or VFIAX in your taxable account for tax efficiency, no matter where the funds come from... I decided to DCA the RMD's out monthly and DCA ...
by Paulie
Wed Feb 06, 2019 4:04 pm
Forum: Personal Investments
Topic: Fund for RMD.
Replies: 9
Views: 1000

Re: Fund for RMD.

How and how often is not the question ? pertained to where to put the withdrawals for tax efficiency. T Stk or Div Grth
by Paulie
Wed Feb 06, 2019 3:31 pm
Forum: Personal Investments
Topic: Fund for RMD.
Replies: 9
Views: 1000

Fund for RMD.

Dont want to do an inkind. Currently have VG Total Stock and VG Div Grth (vdigx) in taxable. Been reading about turn over and Total Stock is less than the VGIDX. About 6% vs 15% or so. Was think about dumping the Div Growth which I have had for years and using the T stock for an RMD parking place. T...
by Paulie
Tue Feb 05, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 4101

Is General Practitioner [billing Medicare correctly?]

I went in for my yearly MEDICARE WELLNESS exam. According to the book there are no other charges or co payments for a yearly Medicare Wellness, unless one goes in with other complaints. I made the apmnt for Wellness only. I received an invoice with 3 lines. One for the Wellness One for Advanced Life...
by Paulie
Fri Apr 13, 2018 3:57 pm
Forum: Personal Investments
Topic: IRA Trans to VG,90% CASH
Replies: 10
Views: 657

Re: IRA Trans to VG,90% CASH

If your desired AA of 40:60 makes you nervous, perhaps your AA is still too risky? The AA you choose should be something you're comfortable regardless of the market condition. That said, I can imagine it's a lot harder when you're clicking the buy button on half a million :moneybag. If you do DCA, ...
by Paulie
Fri Apr 13, 2018 3:54 pm
Forum: Personal Investments
Topic: IRA Trans to VG,90% CASH
Replies: 10
Views: 657

Re: IRA Trans to VG,90% CASH

Not a market timer by any means but unsure if I should lump sum it into my AA or DCA in over a period of time ? I feel Feb or so was a correction of sorts but still concerned about a lump sum dump for fear of buying into an iffy top . These statements are contradictory. Dump all of the money into V...
by Paulie
Fri Apr 13, 2018 11:28 am
Forum: Personal Investments
Topic: IRA Trans to VG,90% CASH
Replies: 10
Views: 657

Re: IRA Trans to VG,90% CASH

MotoTrojan wrote:
Fri Apr 13, 2018 11:17 am
Lump sum and maybe consider simplifying overall to 3-5 funds. Also ensure locations are tax-efficient.

Thank You
by Paulie
Fri Apr 13, 2018 10:55 am
Forum: Personal Investments
Topic: IRA Trans to VG,90% CASH
Replies: 10
Views: 657

IRA Trans to VG,90% CASH

I saw the "Bull Market Timing Thread" from earlier and not sure if i fall into this Bull Mkt Timing scenario so I decided to start a new one. Here goes...... Just transferred low to mid 6 figs to a VG IRA acnt from another firm. Consolidating mode. All in cash. It was long term CD’s that have mature...
by Paulie
Sun Apr 19, 2015 6:49 am
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

Re: M* Article today 4/17 on ATT's shaky dividend

It seems Josh Peters, who is the editor for Morningstar's Dividend Investor, sold T for VZ in his model portfolio. Without looking, I imagine it's a portfolio of fairly high yielding stocks. I would back away from making any major changes to your portfolio based on any article based on an opinion. ...
by Paulie
Sat Apr 18, 2015 10:26 am
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

Re: M* Article today 4/17 on ATT's shaky dividend

letsgobobby wrote:If you are in the 15% bracket, and your sales don't push you higher, you will owe no taxes. Is that possible? in addition, turn off reinvestment and start donating shares.
I use 50% of the dividends for property taxes and insurance
by Paulie
Sat Apr 18, 2015 8:02 am
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

Re: M* Article today 4/17 on ATT's shaky dividend

I feel your pain. I helped a friend with the EXACT same issue. My friend acquired the stocks starting in the late 60's, through the '70's, and they were also held at Compushare. My friend owned original ATT and had no records of how many shares were acquired on what date. With the 1984 divestiture,...
by Paulie
Fri Apr 17, 2015 9:40 pm
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

Re: M* Article today 4/17 on ATT's shaky dividend

I too have had some shares at compuserve. Do you have on-line access to your compuserve account? If you do, you can get information as to when you acquired the shares and that will help with the cost-basis. I found that transferring my shares to Fidelity, VG would work just as well, made managing t...
by Paulie
Fri Apr 17, 2015 2:50 pm
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

Re: M* Article today 4/17 on ATT's shaky dividend

This would also be a good time to review your overall taxable and tax deferred portfolio and plan changes as necessary. Secondly, understand your tax situation today and later when RMDs start. If the proceeds from the stock sales will go into other taxable investments you may want to think about th...
by Paulie
Fri Apr 17, 2015 1:49 pm
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

Re: M* Article today 4/17 on ATT's shaky dividend

Hi Paulie, I to am a retired T guy. I would recommend you find a CPA/advisor to help you with this. Many advisors post here on bogleheads. You need a some help with getting that stock converted to other more diversified investments, and the taxes could be huge. Make sure you deal with a fiduciary. ...
by Paulie
Fri Apr 17, 2015 1:19 pm
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

Re: M* Article today 4/17 on ATT's shaky dividend

I would say start by finding out if this information is available.[/quote] DBR, I have all the statements so I am sure it is some where.I have been putting this off for years because of dealing with the hassles but need to get my butt in gear and feel a CFP with a tax background may be in order..tha...
by Paulie
Fri Apr 17, 2015 1:15 pm
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

Re: M* Article today 4/17 on ATT's shaky dividend

Not sure who is saying what, but I believe the shares would be held at "Computershare," not "Comp-U-Serve." (I remember Compuserve Information Service--"affectionately," CI$--with a mixture of feelings, mostly good). Your correct.When this all began in "72" ATT held them directly but as time went o...
by Paulie
Fri Apr 17, 2015 9:06 am
Forum: Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 2518

M* Article today 4/17 on ATT's shaky dividend

I posted this at M* today and thought I would do it here also for some Boglehead input being that all my holdings are at VG. Any input would be appreciated. Thanks,Paul ATT Dividend article 4/17 opened my eyes http://www.morningstar.com/Cover/videoCenter.aspx?id=692756 Hello, I retired from "Bell" a...
by Paulie
Tue Dec 04, 2012 6:25 pm
Forum: Personal Consumer Issues
Topic: Ring Purchase & Sizing
Replies: 10
Views: 1078

Re: Ring Purchase & Sizing

chaz wrote:It's easy to buy and resize later.
Chaz is it standard procedure to cut up a new piece of jewelry?
You can see I dont do this a lot.
by Paulie
Tue Dec 04, 2012 6:18 pm
Forum: Personal Consumer Issues
Topic: Ring Purchase & Sizing
Replies: 10
Views: 1078

Re: Ring Purchase & Sizing

CABob wrote:Perhaps Google would be of help. ring sizing

Thanks Bob I was looking for personal experience
by Paulie
Tue Dec 04, 2012 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: SS and working any Gurus out there?
Replies: 18
Views: 1482

Re: SS and working any Gurus out there?

Paulie, are you fully aware that benefits withheld due to exceeding the earned income limit are not lost? One possibility is just to work and let the chips fall as they may. This may or may not be the precisely optimum thing to do, but I do not believe it is any major mistake. Doing it that way (si...
by Paulie
Tue Dec 04, 2012 6:05 pm
Forum: Personal Consumer Issues
Topic: Ring Purchase & Sizing
Replies: 10
Views: 1078

Ring Purchase & Sizing

Would like to get a ring for an xmass gift and dont want to devulge the fact by asking about size. If I can get access to measure an existing one I will but that will be tuff. Is there a standard size at purchase and then resize? Is it SOP to buy it 1st and resize later. I saw one I liked but it was...
by Paulie
Tue Dec 04, 2012 5:56 pm
Forum: Personal Consumer Issues
Topic: Pick up in Manhattan Sat. afternoon
Replies: 23
Views: 2005

Re: Pick up in Manhattan Sat. afternoon

Have them take a train to a specific station N of NYC and pick up there.
Save both of you big time aggravation
by Paulie
Mon Nov 19, 2012 8:34 am
Forum: Personal Finance (Not Investing)
Topic: SS and working any Gurus out there?
Replies: 18
Views: 1482

Re: SS and working any Gurus out there?

SScritic thanks for your input.The board is quite fortunate to have individuals like yourself willing to help keep people like me that dont have a clue from making $$ mistakes.
Thanks again
by Paulie
Sun Nov 18, 2012 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: SS and working any Gurus out there?
Replies: 18
Views: 1482

Re: SS and working any Gurus out there?

Paulie wrote:
Leif Eriksen wrote:
Paulie wrote:SS Critic.Sent ya a PM
Okay, but we would all like to know the results.
Sorry I was trying to spare any one my luosy math skills.
Will keep ya posted.
luosy...Spelling isnt so good either
by Paulie
Sun Nov 18, 2012 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: SS and working any Gurus out there?
Replies: 18
Views: 1482

Re: SS and working any Gurus out there?

Leif Eriksen wrote:
Paulie wrote:SS Critic.Sent ya a PM
Okay, but we would all like to know the results.
Sorry I was trying to spare any one my luosy math skills.
Will keep ya posted.
by Paulie
Sun Nov 18, 2012 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: SS and working any Gurus out there?
Replies: 18
Views: 1482

Re: SS and working any Gurus out there?

SS Critic.Sent ya a PM
by Paulie
Sun Nov 18, 2012 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: SS and working any Gurus out there?
Replies: 18
Views: 1482

SS and working any Gurus out there?

Took SS earlier this year.I wont reach full age untill 12/2014 I was just offered a temp position for 120 days that will pay me aprox 35000 for that time period staring around 11/26/12 and it puts me over the 16,400.00 cap I can earn before I have to pay back. Rather than do the payback routine I th...
by Paulie
Sat Nov 10, 2012 6:10 pm
Forum: Personal Consumer Issues
Topic: Financial Software
Replies: 10
Views: 1280

Re: Financial Software

Some good prospects posted.
Thanks
by Paulie
Sat Nov 10, 2012 9:40 am
Forum: Personal Consumer Issues
Topic: Financial Software
Replies: 1
Views: 296

Financial Software

I posted this at "Personal Finance" and figured I would try it over here too? I want to organize all my financial stuff in one place. Do a budget, and investments etc. I got iWork(mac software) for free but don't need all the stuff that comes with it so rather than load the machine up with stuff I d...
by Paulie
Sat Nov 10, 2012 8:34 am
Forum: Personal Consumer Issues
Topic: Financial Software
Replies: 10
Views: 1280

Financial Software

I want to organize all my financial stuff in one place. Do a budget, and investments etc. I got iWork(mac software) for free but don't need all the stuff that comes with it so rather than load the machine up with stuff I dont need Iam looking for something else. Intuit has a free program they call M...
by Paulie
Mon Aug 13, 2012 9:51 am
Forum: Personal Investments
Topic: Rules for paying Me,Myself and I , from ret port
Replies: 5
Views: 693

Rules for paying Me,Myself and I , from ret port

OK after TMI,much vacillation, and decision making I have chosen my AA.(Target Inc,wells and interm term bnd) I have chosen to DCA(my comfort level) into a tax deferred portfolio and plan to be fully funded by 3/2013. Now and for a few more yrs I will be reinvesting div and cap gains while monitorin...
by Paulie
Wed Jul 25, 2012 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance for Mentally disabled person
Replies: 8
Views: 1297

Inheritance for Mentally disabled person

GF's nephew,37,Traumatic Brain injury, is about to receive aprox 200thou ( + - ) from the sale of his recently deceased Dads home.He cant hold a job for long but works like a mule on a part time odd job basis. He is capable of taking care of himself and is applying for SS disability which he was sup...
by Paulie
Fri Jul 06, 2012 8:37 am
Forum: Personal Consumer Issues
Topic: DNS D-Day
Replies: 2
Views: 788

DNS D-Day

I did the FBI quick test for the DNS reroute thing and it came up Green,but I am still running W98 and not much recognizes this OS any longer.I am just to lazy(cheap) to go buy a new machine although some say now would be a good time if my machine IS infected. If it is affected by this will the enti...
by Paulie
Wed Jun 20, 2012 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Buying First Appliances [Stacked Washer/Dryer + Fridge].
Replies: 26
Views: 3581

Re: Buying First Appliances [Stacked Washer/Dryer + Fridge].

Stackables...hummmmmmm I have had 2 sears top of the line front loader washers and mid range$$ dryers I know you mentioned demensions were your only restraint so maybe my 2 cents below will help. If by stackables you mean "all in one" types I would try to stay away because if one goes they both are ...
by Paulie
Mon Jun 18, 2012 7:44 am
Forum: Personal Consumer Issues
Topic: Estate Sale/yard sale apprasals
Replies: 8
Views: 1357

Estate Sale/yard sale apprasals

Inherited house and yard full of "stuff".Its a 1776 farm house and has some furnishing that complement the era. I look at Ebay type sites but cant find similar items and don't know what to call some items.My computer is old and it takes forever to search stuff. There are things like mahogany rocking...
by Paulie
Fri Jun 01, 2012 1:44 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey and 7%
Replies: 46
Views: 10291

Dave Ramsey and 7%

Guy called in yesterday and told the host he was watching out for an elderly person with 1.3 mill in assets and was looking for a safe place to put these funds to support the elderly guy till the end. Dave told the guy he should be able to get + - 70 thou a year from this averaging aprox 7% and to v...
by Paulie
Mon May 21, 2012 8:33 am
Forum: Personal Investments
Topic: vanguard wellesley fund
Replies: 22
Views: 4582

Re: vanguard wellesley fund

i tend to agree with some of the other posters in this thread - yes, it's probably a good fund for you. it may be bogle sacrilege, but this managed fund has slightly outperformed all sorts of other combinations of index funds (as reflected in various life strategy funds, etc.) during all recent tim...
by Paulie
Mon May 21, 2012 8:14 am
Forum: Personal Investments
Topic: How does 3 1/2% beat 7%
Replies: 15
Views: 2487

Re: How does 3 1/2% beat 7%

I recall the dot.com era edition of "A Random Walk Down Wall Street" singling out a stock as a safe bet for "widows and orphans" due to its many decades of reliable dividend growth. The stock was AT&T. Shortly after the book came out, the stock price dropped by 95%. Almost anything beats -95%. Dive...
by Paulie
Thu May 17, 2012 9:20 am
Forum: Personal Investments
Topic: VG's CFP suggested AA
Replies: 4
Views: 786

VG's CFP suggested AA

In my initial conversation I informed the rep I want a simple portfolio.I also informed him I like vwinx and vtinx and I am able to handle a bit more stock exposure for growth and dividends and would also like to keep the GNMA and Inf Protected I currently hold if that made sence. I told them I am 6...
by Paulie
Wed Apr 04, 2012 4:48 pm
Forum: Personal Investments
Topic: Funding a target
Replies: 2
Views: 308

Funding a target

OK so the IRA is set up at VG...
Liquid stuff is moved from Chuck
Yesterday we dump 1/3 of transfer into VTINX.
It takes a dump......
What increments,if any, would be prudent for the other 2/3 as I want to get in 100% but dont do timing
by Paulie
Mon Feb 20, 2012 11:37 pm
Forum: Personal Investments
Topic: Ever notice the best investors are ones who don't talk ...
Replies: 17
Views: 3140

Re: Ever notice the best investors are ones who don't talk .

Those that know dont tell,those that tell dont know
by Paulie
Sun Feb 19, 2012 6:55 am
Forum: Personal Investments
Topic: VG Concerg knowledge & the move
Replies: 27
Views: 1666

Re: VG Concerg knowledge & the move

Last year I planed on moving aprox 50% of a mid 6 figure Rollover to Van from Schwab.. 20% of that is in Wellesley (cost base aprox 21.00) the bal in cash. This sounds like a rollover now at Schwab that is not a tax deferred account because you included cost basis. Was it a rollover that contained ...
by Paulie
Sun Feb 12, 2012 5:47 pm
Forum: Personal Investments
Topic: SS521 Withdrawl of applica or suspension & 1099
Replies: 14
Views: 1502

Re: SS521 Withdrawl of applica or suspension & 1099

I think sscritic's post in this thread sums up what you can do with your 2012 1099SSA next year which will show a negative number reflecting your payback. Sounds like you're on the hook for including the 2011SSA in this year's return and paying taxes on the taxable portion of it. Thats what i figur...
by Paulie
Sun Feb 12, 2012 11:53 am
Forum: Personal Investments
Topic: SS521 Withdrawl of applica or suspension & 1099
Replies: 14
Views: 1502

Re: SS521 Withdrawl of applica or suspension & 1099

I think sscritic's post in this thread sums up what you can do with your 2012 1099SSA next year which will show a negative number reflecting your payback. Sounds like you're on the hook for including the 2011SSA in this year's return and paying taxes on the taxable portion of it. Thats what i figur...
by Paulie
Sun Feb 12, 2012 11:11 am
Forum: Personal Investments
Topic: SS521 Withdrawl of applica or suspension & 1099
Replies: 14
Views: 1502

Re: SS521 Withdrawl of applica or suspension & 1099

I re-paid in 2012 for 2011 benifits.No benifits were received in 2012....so I guess I have to bite the bullet and pay the 2011 taxes on the monies received. I wanted to complete everything in 2011 but they were sloooower than anticipated and the pay back did no occur untill 2012 and needed to be don...
by Paulie
Thu Feb 09, 2012 5:42 pm
Forum: Personal Investments
Topic: SS521 Withdrawl of applica or suspension & 1099
Replies: 14
Views: 1502

Re: SS521 Withdrawl of applica or suspension & 1099

what a f'en mess...thought I was doing the 521 in a timely fashion....then a few screw ups put me at year end....theres a dif of 600.00 a month between 62YOA and FRA so Iam going forward with the withdrawl pay the tax this year and deal with all else next year. I was foolish to think the SS Admin wo...