Search found 176 matches

by bill99
Wed Feb 13, 2013 4:12 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 300. Timing belt. $884.
Replies: 55
Views: 15597

Re: Lexus RX 300. Timing belt. $884.

Non-luxo cars can be pricey, too. This is my repair note for my '98 Subaru Outback, 4cyl.: Replace timing belt, water pump, timing belt tensioner, all 4 cam seals and front crankshaft seal; install new fan belts. Coolant. (timing belt kit) $953.40. Repair done by non-dealer small shop, top rated in ...
by bill99
Fri Feb 08, 2013 1:28 pm
Forum: Personal Consumer Issues
Topic: Stopping Junk Mail
Replies: 51
Views: 6034

Re: Stoping Junk Mail

I don't see how these reasons make it right for Junk Mailers like you advised you are attempting to make money by invading our mailboxes with unwanted junk. It is much different than TV ads, radio commercials,and even email etc, which are easy to turn off and do not require disposal. To say that ju...
by bill99
Fri Feb 08, 2013 1:19 am
Forum: Personal Consumer Issues
Topic: Stopping Junk Mail
Replies: 51
Views: 6034

Re: Stopping Junk Mail

Can you show me some evidence of this? I've been searching and all I can see are unsupported claims both ways. The law says that each class of mail must cover its own expenses, which suggests each class is revenue neutral, but I did find a 2010 OIG report (pdf) that states that the price breaks giv...
by bill99
Wed Feb 06, 2013 7:42 pm
Forum: Personal Consumer Issues
Topic: Stopping Junk Mail
Replies: 51
Views: 6034

Re: Stoping Junk Mail

Of all the things in this world to complain about I never understood people who get so upset about unsolicited mail. Do you get equally upset when a tv commerical comes on during one of your programs? Do you get upset when you see an advertisement in the newspaper or magazine you're reading? The di...
by bill99
Tue Feb 05, 2013 7:57 pm
Forum: Personal Consumer Issues
Topic: Macintosh tech/repair firms in DC-Metro area?
Replies: 4
Views: 563

Re: Macintosh tech/repair firms in DC-Metro area?

Is it a hardware or software related problem? m Both! Some software issues, email set ups, better networking, upgrading some of the older macs, and maybe a new mac. What to do about Now Contact, which works with Lion, I hear, but not Mountain Lion. No immediate crises, but a fairly healthy punchlist.
by bill99
Tue Feb 05, 2013 5:47 pm
Forum: Personal Consumer Issues
Topic: Macintosh tech/repair firms in DC-Metro area?
Replies: 4
Views: 563

Macintosh tech/repair firms in DC-Metro area?

Our current Mac tech has become unreachable. He wasn't cheap, but he was good, and made house calls.

Looking for a new Mac repair/service outfit that will come to our (home) office.

Any recommendations?

Thanks,
Bill
by bill99
Tue Jan 29, 2013 10:06 pm
Forum: Personal Consumer Issues
Topic: Got my Mac repaired at Apple Store
Replies: 1
Views: 958

Re: Got my Mac repaired at Apple Store

Thanks for sharing your repair experience, Rupert. Didn't think the genius bar folks could actually fix things. Good to know.

Bill
by bill99
Thu Oct 11, 2012 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): Should we get it? Ways to cut cos

BruDude wrote:If you don't accept this policy, you also won't be able to reapply for a 10-pay with Genworth later on. They removed that option about a month ago.


Forgot that. I'm not sure why they dropped 10-pay. They get their premium revenue front-loaded and can invest it for decades.
by bill99
Thu Oct 11, 2012 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): Wife declined

Wife declined by Genworth. No surprise, my misplaced optimism aside. The missus expected to be declined, knows she has health issues, but certainly wasn't happy to have an insurance company agree with her so emphatically. Her thinking now is we ought to go ahead and get LTCi for me, based on: 1. We ...
by bill99
Wed Oct 10, 2012 9:30 pm
Forum: Investing - Theory, News & General
Topic: Account for Long Term Care?
Replies: 8
Views: 756

Re: Account for Long Term Care?

The federal government was going to propose a long term care allowance/policy but decided they could never get it through so they dropped it. Academic point, but my understanding is they already had the CLASS Act thru, then dropped it because they just couldn't make the numbers work. And that was l...
by bill99
Tue Oct 09, 2012 9:41 am
Forum: Investing - Help with Personal Investments
Topic: 5yr. annuity payout - which Vanguard funds?
Replies: 3
Views: 563

Re: 5yr. annuity payout - which Vanguard funds?

Decided to tone it down a bit, and add a small money market portion, in case we need to start pulling money out before year-end.

Portfolio now looks like:


60% Short Term Investment Grade Portfolio
10% High Yield Bond Portfolio
20% Balanced Portfolio
10% Money Market Portfolio
by bill99
Sat Oct 06, 2012 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 5yr. annuity payout - which Vanguard funds?
Replies: 3
Views: 563

Re: 5yr. annuity payout - which Vanguard funds?

Assuming you have other assets I would treat this as tax advantaged space and fill it with bonds and own the equities elsewhere in taxable. So as not to convert CG to ordinary income. Well, we're close...maybe 75-80% with the above portfolio. Good point, though, about converting cap. gains. Everyth...
by bill99
Sat Oct 06, 2012 10:47 am
Forum: Investing - Help with Personal Investments
Topic: 5yr. annuity payout - which Vanguard funds?
Replies: 3
Views: 563

5yr. annuity payout - which Vanguard funds?

After much sturm und drang*, we're going with the 5yr. deferred option for my wife's inherited annuity. We have a bit over 4 years to withdraw all the funds, but would like to grow it a bit if we can in that fairly short time. And we're willing to take some downside risk. We'll have to make withdraw...
by bill99
Sun Sep 30, 2012 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Inherited Vanguard Annuity - 5-year or life annuity?
Replies: 10
Views: 1273

Re: Inherited Vanguard Annuity - 5-year or life annuity?

Bill, if you would like to be assured of getting "all of your money back, but not more ", your wife may be able to choose a "Payment for a Designated Period" option. The payments can probably be made over 10-30 years, but might not be available for a period greater than your wif...
by bill99
Fri Sep 28, 2012 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Vanguard Annuity - 5-year or life annuity?
Replies: 10
Views: 1273

Re: Inherited Vanguard Annuity - Interest Rate

FWIW, the "guaranteed internal rate of return" = 3.25%, plus Life Expectancy, plus Amount Annuitized. The amounts they quoted above are based on a 65yr. old Virginia female.
by bill99
Tue Sep 25, 2012 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Inherited Vanguard Annuity - 5-year or life annuity?
Replies: 10
Views: 1273

Re: Inherited Vanguard Annuity - 5-year or life annuity?

Dale, thanks very much for explaining the finer points of the life annuity. Much appreciated. The good folks at Vanguard's Annuity Dept. did try to explain them to me, but despite their best efforts, some of it just didn't click. I assumed, for instance, that $5.13/month/K meant a 5% interest rate. ...
by bill99
Mon Sep 24, 2012 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Vanguard Annuity - 5-year or life annuity?
Replies: 10
Views: 1273

Annuity Payout -- Fixed, Variable or a Mix?

Has anyone with a Vanguard annuity chosen a variable payout, or a combination of variable (based on investments in Vanguard funds) and fixed?

If you have, can you give me some sense of how it's worked out?

Thanks,
Bill
by bill99
Mon Sep 24, 2012 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Vanguard Annuity - 5-year or life annuity?
Replies: 10
Views: 1273

Re: Inherited Vanguard Annuity - 5-year or life annuity?

Well, that's the problem. I'm looking for certainty in an uncertain world. Hard to come by.:?

Bill
by bill99
Mon Sep 24, 2012 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Vanguard Annuity - 5-year or life annuity?
Replies: 10
Views: 1273

Re: Inherited Vanguard Annuity - 5-year or life annuity?

Mel, you're exactly right -- the last two options are indeed life with 10 or 20 years certain within the life. My shorthand muddled that! We're still mulling over the 5-yr. deferred option vs. the life annuity choice, but it seems to me that if my wife chooses the life annuity, then at least the &qu...
by bill99
Sun Sep 23, 2012 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Vanguard Annuity - 5-year or life annuity?
Replies: 10
Views: 1273

Inherited Vanguard Annuity - 5-year or life annuity?

We're not sure how to take it. My wife is 65. The value is approx. $68,900 -- of which about $17,000 is cost-basis. The rest is taxable. We've ruled out the Lump Sum option (would add $52k to our 2012 income, raising our tax bracket. That leaves two choices: 1. 5-year deferred annuity (from date of ...
by bill99
Sun Sep 02, 2012 9:12 pm
Forum: Personal Consumer Issues
Topic: To Fence ... Or Not?
Replies: 93
Views: 10950

Re: To Fence ... Or Not?

Interesting dilemma! I agree it's an expensive fix to get a fence, so I'd try to find a cheaper one first. It seems like he's out there doing all this stuff without talking to you about it first, so I'd probably start with the same approach, and either stake it and put a string, or line it with lar...
by bill99
Sun Aug 19, 2012 9:06 pm
Forum: Forum Issues and Administration
Topic: We need a new forum just for retirement issues
Replies: 143
Views: 19169

Re: We need a new forum just for retirement issues

I'd like to see a retirement sub-forum. While I mostly use the "all posts" view, that's more of a daily 'browsing' function for me, to keep up with current posts. Very broad ranging. But sometimes I like to focus a bit more narrowly, and in those cases, the sub-forum structure would help, ...
by bill99
Sat Jul 28, 2012 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): TRIAGE

Did some cost (and benefit) cutting, dropping the $14.7k annual premium to $7k. Still 10pay. Still Shared Care. Policy quoted is Genworth Priviledged Choice Flex. 3yr. benefit period > stays the same $216,000 pool of money; $6,000/monthly benefit > becomes $180,000 pool; $5,000 monthly benefit. 90 d...
by bill99
Sat Jul 28, 2012 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): Should we get it? Ways to cut cos

Been there. $2M today doesn't mean you'll have it tomorrow even if you don't spend it AND EVEN if you add to it. If I'd understood $1M-$2M equals $40K-$80K/year or less I would have stayed in business. And, retired in my 70s. Well, at the rate we're going, we're getting close to being retired in ou...
by bill99
Wed Jul 25, 2012 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): Should we get it? Ways to cut cos

Your worry with paying for care with the relative's money is totally different than a non-institutional spouse trying to figure out how to financially survive when the institutionalized spouse is depleting the bank account at a fast rate. Not a trivial concern for us. We could fund a lot of LTC out...
by bill99
Tue Jul 24, 2012 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): Should we get it? Ways to cut cos

I don't want to get too clever-clever about Medicaid strategizing but one thing I have brooded about is this. Remember, we've opted for an LTCi policy! And the daily amount is not crazy-nuts unrealistic, but it's not luxuriously generous either. In theory, part of the deal with the policy we have, ...
by bill99
Mon Jul 23, 2012 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): Should we get it? Ways to cut cos

If you lower the annual 5% compound interest, that should lower your premium. I wanted a premium we could afford through out our lifetime and chose 3% simple interest because it fixed the premium at $180/mo for two policies. Eleven years ago a good nursing home in our area cost about $3,000/mo or $...
by bill99
Mon Jul 23, 2012 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): Should we get it? Ways to cut cos

Nobody can answer your questions given the info you posted... For instance Question 1 How can anyone say the premium is reasonable when you listed information that could easily indicate she is uninsurable Question 2 Goes back to question 1. Question 3 Same thing but in essence what you are trying t...
by bill99
Sun Jul 22, 2012 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Re: Long Term Care (LTCi): Should we get it? Ways to cut cos

Well, see, BruDude, you've already helped with Question 2, ways to lower premium cost. Oh, well. Broker is pretty familiar with our "conditions"; we buy our health insurance thru them also (except now wife on Medicare). And I thought we discussed our situation pretty candidly. Surgeon said...
by bill99
Sun Jul 22, 2012 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (LTCi): Should we get it? Ways to cut cost?
Replies: 54
Views: 5359

Long Term Care (LTCi): Should we get it? Ways to cut cost?

Need some advice. We're trying to figure out if we need long term care insurance -- and, if so, if there's a way to reduce the premium costs. Looking over our broker's LTCi rate quotes from Genworth, Hancock and Mutual of Omaha. Genworth cheapest (until big rate increase Aug. 1!). Broker "think...
by bill99
Sat Jun 30, 2012 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Medigap F - any benefit to buying thru a broker?
Replies: 16
Views: 5718

Re: Medigap F - Largest cohort, largest plan

Well, we want to be in the largest group of insured folks. My understanding is that UHC (or any company) will raise rates based on the experience of the cohort we're in -- i.e., all the folks in Plan F (the largest, most popular plan?) in our age group, in our area (zip code or metro area?). And aft...
by bill99
Fri Jun 29, 2012 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F - any benefit to buying thru a broker?
Replies: 16
Views: 5718

Re: Medigap F - any benefit to buying thru a broker?

End of the day, we chose AARP/UnitedHealthcare. $119.52/mo., after the 30% discount, which shrinks 3%/yr. going forward. No broker. Community rating. (We'll see how well that works out.) National plan, and -- in the Oligopoly that is health insurance today, they're the largest player. So they'll lik...
by bill99
Thu Jun 28, 2012 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F - any benefit to buying thru a broker?
Replies: 16
Views: 5718

Re: Medigap F - any benefit to buying thru a broker?

Thanks, everyone, for the feedback. We're in (Northern) Virginia. Wife turns 65 next month, and is signed up for Medicare Part A & B, eff. date July 1, 2012. And Part D, Prescription Drugs, also. We have the drug plan thru AARP/UnitedHealthcare. Which just leaves Medigap to decide; we're trying ...
by bill99
Wed Jun 27, 2012 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F - any benefit to buying thru a broker?
Replies: 16
Views: 5718

Medigap F - any benefit to buying thru a broker?

Has anyone run into any back-end problems with Medigap F coverage, where they found having a broker was helpful, or wished they had used a broker to buy the insurance? We use one now for our group insurance, and they've been helpful running interference with billing issues. But do we need one for Me...
by bill99
Tue Jun 19, 2012 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 3530

Re: Medigap F for folks with "conditions"?

Since you live in Northern Virginia, I heartily recommend Kaiser Permanante Medicare Advantage program. Then, you don;t need supplemental coverage. In this area, the Kaiser medicare plan is termed (cost), which means you can get service from another provider under Medicare. I have not used that fea...
by bill99
Tue Jun 19, 2012 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 3530

Re: Medigap F for folks with "conditions"?

We recently signup for Medigap, I posted on this site and the consensus was Plan C was good enough. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=91677 It is the same as Plan F except Plan F pays physicians additional charges greater than that of Medicare assignment. In general, physician...
by bill99
Tue Jun 19, 2012 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 3530

Re: Medigap F for folks with "conditions"?

I would recommend an independent insurance agent who does a lot of Medigap insurance to help you. They are very knowledgeable and do not end up costing you anything. There are better options than AARP/United Health Care out there. It is not necessarily the most competitive option. Good thought, fan...
by bill99
Mon Jun 18, 2012 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 3530

Re: Medigap F for folks with "conditions"?

mur44 wrote:1. When you move, you will have guarantee issue and you will
be able to buy a Medigap plan without any medical underwriting.


Thanks, mur44. Good to know.

Bill
by bill99
Mon Jun 18, 2012 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 3530

Re: Medigap F for folks with "conditions"?

Oops. This is my brain on Medigap. :oops:

Here's the link to the MoneyWatch piece on AARP's insurance.

http://www.cbsnews.com/8301-505146_162-51351164/health-insurance-is-aarp-looking-out-for-you/

Bill
by bill99
Mon Jun 18, 2012 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 3530

Re: Medigap F for folks with "conditions"?

Thanks, kaneohe. My sense is similar to yours -- that it might be easier to downgrade plans if desired down the road. Your logic on how insurance companies think on that issue makes sense, and matches our experience with our small group insurance. Easy to switch to a higher deductible plan but no wa...
by bill99
Mon Jun 18, 2012 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F for folks with "conditions"?
Replies: 25
Views: 3530

Medigap F for folks with "conditions"?

Wife 65 next month; me in 14 months. We take several meds, and have pre-existing conditions. Live in Northern Virginia, but may move to Carolinas or Florida in the next few years. She's already signed up for Medicare Part A and B. We're leaning towards Medigap F ( not the High Deductible version). D...
by bill99
Thu May 24, 2012 11:02 am
Forum: Investing - Theory, News & General
Topic: Jack and Rick on the Fox Business today
Replies: 30
Views: 3003

Re: Jack and Rick on the Fox Business today

Rick, thanks for the heads-up.

Bill
by bill99
Sat May 05, 2012 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Anyone rent a car for driving trips?
Replies: 30
Views: 2644

Re: Anyone rent a car for driving trips?

Own an '06 Lincoln LS; great car so far, and a very nice road trip car -- if the roads are smooth. But not the cushiest ride, and my wife feels the bumps, plus recent spine surgery makes a soft ride important. So, for future trips to see family in NY, will probably rent a Caddy or TownCar, or simila...
by bill99
Fri Apr 27, 2012 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo HARP Refi an OK deal?
Replies: 10
Views: 1735

Re: Wells Fargo HARP Refi an OK deal?

Is it possible to just sell now and buy a more convenient home for you at these low interest rates? Well, if "now" is this year, won't happen. Next year, maybe. The curve ball is that my wife's adamant that we buy the next house first, before we sell this house. She wants a gradual move. ...
by bill99
Thu Apr 26, 2012 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo HARP Refi an OK deal?
Replies: 10
Views: 1735

Re: Wells Fargo HARP Refi an OK deal?

Thanks for the feedback! Looks like the consensus is to refi now. Makes sense, as does locking the rate. Definitely don't want prepayment penalties -- I'll be sure to ask. Wife and I are 64/63; 3 stories of stairs and winters starting to bother us more, so I don't think we'll still be in this house ...
by bill99
Wed Apr 25, 2012 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo HARP Refi an OK deal?
Replies: 10
Views: 1735

Wells Fargo HARP Refi an OK deal?

Wells Fargo has been pitching a refi. Stats: --21 years left on 30 yr. 5.875% mortgage. --$130,963 balance; 20% loan-to-value Their pitch: 20 yr. fixed at 3.75% = monthly P&I of $780.14; $272.80/mo savings. ($15.8k savings over life of mortgage) 15 yr: 3.125% = $916.62; $136.32/mo. savings. ($38...
by bill99
Wed Apr 25, 2012 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Going uninsured for 6 months to get pre-existing cond. ins.?
Replies: 42
Views: 3025

Re: Going uninsured for 6 months to get pre-existing cond. i

Assuming Florida residency is a done deal for you, (and I agree with others that it's worth pursuing the technicalities -- nothing illegal or even unethical in that), then you may want to: 1. Run the idea of going 6months bare by your Rheumatologist, and ask if he or she knows anything about the gov...
by bill99
Wed Jan 11, 2012 12:10 am
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4733

Re: Glad it wasnt an accident but what were my options

Here is the location of the intersection. m A picture really is worth a thousand words. Multi-lane road, 45mph limit, lots of traffic, some arguably going 50-55, twilight... Couple of thoughts: 1. The guy standing in the middle of the road has a death wish. Lucky to be alive. 2. The guy who backed ...
by bill99
Thu Jan 05, 2012 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: What (Probably Used) Car to Buy
Replies: 43
Views: 2930

Re: What (Probably Used) Car to Buy

You don't really need a fuel-economy champ if you're not going to drive it very much. I live in this area, too. Dense, high-speed traffic, lots of nuts, half the drivers, give or take, are on their cell phones while they drive. I'd go for something that's fairly nimble, easy to park, but also well-b...
by bill99
Tue Nov 15, 2011 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Selling Dad's annuity -- better for him or heirs to pay tax?
Replies: 8
Views: 946

Re: Selling Dad's annuity -- better for him or heirs to pay

Talked to Vanguard's Annuity Dept. Very helpful. No go on the SPIA, at least at Vanguard. Their cutoff is age 85. If we do nothing, and Dad passes, the heirs can choose a lump sum distribution, or annuitize over 5, 10, 15 or 20 years, or life. And one heir can choose, say, a lump sum, while the othe...