Search found 1022 matches

by Tdubs
Tue Jan 07, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: Irrational Fear of Injury in Small Car?
Replies: 124
Views: 8244

Re: Irrational Fear of Injury in Small Car?

So, am I being stupid by considering tossing out a perfectly functional car in the interest of a marginal safety increase? You would not be tossing it out, you would be selling it. There is a lot more than just size that determines how safe a car is. It is a bit morbid but one key statistic to look...
by Tdubs
Sat Jan 04, 2020 11:27 pm
Forum: Personal Consumer Issues
Topic: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?
Replies: 33
Views: 3825

Re: Meds from Canadian Mail-Order Pharmacy. Legality? Ethics? Safety? Efficacy?

You might also check prices for other nations, such as Britain or Turkey.
by Tdubs
Sat Jan 04, 2020 7:49 am
Forum: Personal Finance (Not Investing)
Topic: When to Collect SS
Replies: 55
Views: 3168

Re: When to Collect SS

In addition to opensocialsecutiry.com, try https://ssa.tools/. Just drop in your work history spreadsheet from SSA.
by Tdubs
Fri Jan 03, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: Coincidence, or something more sinister?
Replies: 14
Views: 2434

Re: Coincidence, or something more sinister?

So in incident A they had your MC numbers, but in incident B they only knew your name and phone and didn't try to use your MC information? Why? Couldn't you get a name and phone # on just about anyone?

Voting for a coincidence.
by Tdubs
Fri Jan 03, 2020 9:41 pm
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 4939

Re: Faith driven investing

Hi, are there any Christians or other religious folks that take their faith into account when making investment decisions? I'm a Christian and recently came across the idea of Biblically responsible investing (BRI) and am curious if other believers have considered adjusting their portfolios. For ex...
by Tdubs
Fri Jan 03, 2020 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medical school at 34 - Is this financial suicide?
Replies: 116
Views: 10409

Re: Medical school at 34 - Is this financial suicide?

You can go to medical school and you used "financial suicide" in a sentence? You exaggerate the stakes. You will be fine, and more likely well-off whatever path you choose.

You have the luxury of asking, what will make me happy?
by Tdubs
Fri Jan 03, 2020 7:21 pm
Forum: Investing - Theory, News & General
Topic: Faith driven investing
Replies: 71
Views: 4939

Re: Faith driven investing

I would be concerned that any BRI fund would be an excuse for a high ER.
by Tdubs
Fri Jan 03, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Which Toilet Flapper?
Replies: 30
Views: 2440

Re: Which Toilet Flapper?

Wow, people have clear opinions about toilet flappers.
by Tdubs
Fri Dec 27, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Yet Another Retiring to Florida Thread - Pros/Cons
Replies: 90
Views: 9930

Re: Yet Another Retiring to Florida Thread - Pros/Cons

I'll mention a pro and a con, both related to medical care. The pro is that the FloridaBlue plans are pretty good and there is a wide variety of choice. Obviously applies sub-65. The con is that the quality of care can be lacking, and it can be difficult to find good primary care providers. And, so...
by Tdubs
Fri Dec 27, 2019 11:08 am
Forum: Personal Investments
Topic: The total stock Market is going bananas!!!!
Replies: 30
Views: 6215

Re: The total stock Market is going bananas!!!!

Is this an IRA or 401k? We need more information on your investments, but as others have noted, yes you should be in bonds (though it is better to put bond funds in an IRA rather than a taxable account). A target fund is a good option. On BH, you will find a variety of asset allocation recommendatio...
by Tdubs
Thu Dec 26, 2019 11:15 pm
Forum: Personal Investments
Topic: HSA Confusion - Federal Employee
Replies: 22
Views: 1687

Re: HSA Confusion - Federal Employee

Thanks, this is helpful. What was the math for the pre-tax deduction vs. post-tax? Aside from payroll deductions being DCA vs. outside funds being lump sum contribution, what am I missing in the equation? Pre-tax HSA salary reductions are not subject to FICA. You can then do a fee-free rollover to ...
by Tdubs
Tue Dec 24, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: How to Protect Your Most Important Asset
Replies: 45
Views: 6714

Re: How to Protect Your Most Important Asset

What's funny about your post is that I have a 5 star safety rated heavy pick-up truck that's almost 20 years old and if I had a choice over the new Corolla: I'd rather be in my older pick-up truck vs having a head-on collision with a new Corolla, rather have a Corolla t-bone me vs. being in a new C...
by Tdubs
Thu Dec 19, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: Comparative Risk Calculation
Replies: 13
Views: 587

Re: Comparative Risk Calculation

I'd add that your insight on returns and the risk of a max drawdown in one year are more useful to me now that I am 60 than it would have been when I was 30 and could tolerate a lot of volatility.

What is your time horizon?
by Tdubs
Tue Dec 17, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Pay Raise 2020 - 3.1%?
Replies: 6
Views: 1474

Re: Fed Pay Raise 2020 - 3.1%?

Hello: I have been following with interest and I saw today’s news that a 3.1% pay raise may happen for the Feds in 2020. My question is twofold, and just applies to understanding such pay raises in general. First, like in many pay raises, it appears that part of it (in this case 2.6%) applies to ba...
by Tdubs
Tue Dec 17, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Instacart Costco vs. costco.com (instacart) prices
Replies: 16
Views: 1885

Re: Instacart Costco vs. costco.com (instacart) prices

I am amazed with how much/often people have things like restaurant food and groceries delivered to their homes. My favorite local Chinese place no longer delivers and instead uses Grubhub, Uber Eats, etc. Well, that's fine except now there are delivery fees, the menu prices are higher and I still a...
by Tdubs
Mon Dec 16, 2019 9:50 pm
Forum: Investing - Theory, News & General
Topic: WSJ "Economists got the decade all wrong"
Replies: 40
Views: 5588

Re: WSJ "Economists got the decade all wrong"

While we’re flogging econometric forecasts, what about the weather people? Heck, here in the Midwest you can see it coming from every direction and they’re wrong half the time. :oops: Weather forecasters are quite accurate. If they say there is a 10 percent chance of rain, it rains about 10 percent...
by Tdubs
Mon Dec 16, 2019 6:02 pm
Forum: Investing - Theory, News & General
Topic: WSJ "Economists got the decade all wrong"
Replies: 40
Views: 5588

Re: WSJ "Economists got the decade all wrong"

Watching economists flail at predictions makes me glad I'm a historian. We don't predict.
by Tdubs
Mon Dec 16, 2019 5:56 pm
Forum: Personal Investments
Topic: Traditional or Roth TSP Question
Replies: 11
Views: 796

Re: Traditional or Roth TSP Question

What state do you live in? Does it have an income tax? Will you stay there in retirement?
by Tdubs
Sun Dec 15, 2019 5:20 pm
Forum: Personal Investments
Topic: TIAA to IRA
Replies: 6
Views: 454

Re: TIAA to IRA

It sounds like you have a 403b retirement account with your old school. If that is the case, you will be able to roll over the money to an IRA. There may be complications. For example, if your money is invested in TIAA traditional fund, you may have to do the transfer in increments spread over nine ...
by Tdubs
Sun Dec 08, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HDHP & GEHA Dental - question
Replies: 4
Views: 462

Re: GEHA HDHP & GEHA Dental - question

Yes, wait for the bill. Is your dentist in the GEHA Connections system? If so, then, yes, that $226 is the negotiated rate for the procedure. This amount sounds like something in the range of a filling. If so, then you will likely pay about 20% of the negotiated amount, might even be less since the ...
by Tdubs
Fri Dec 06, 2019 8:00 am
Forum: Personal Investments
Topic: Roth TSP or Traditional TSP
Replies: 12
Views: 702

Re: Roth TSP or Traditional TSP

Since it sounds like you are heavy in traditional, adding Roth TSP (or better Roth IRA) makes sense. We may not be able to predict what will happen with tax rates, but it seems very unlikely they will get better than now. One question, do you plan on retiring in your current state of residence? Any ...
by Tdubs
Thu Dec 05, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA right for our family?
Replies: 27
Views: 1213

Re: Is an HSA right for our family?

In a perfect world we would...probably want to clean up some debt first She can still get in the HSA plan at a future time (after potential baby) if its better A thing to consider is the prioritization of investments/paying debts. Paying debt might be better, but an HSA is pretty high on the list. ...
by Tdubs
Thu Dec 05, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA right for our family?
Replies: 27
Views: 1213

Re: Is an HSA right for our family?

Actually...here are comparisons for our two options (Again, hoping to have a kid so the cost of that is on our mind) https://www.opm.gov/healthcare-insurance/healthcare/plan-information/compare-plans/fehb/PlanDetails?FFSSearch=on&Medicare=False&ZipCode=16510&IncludeNationwide=True&empType=a&payPeri...
by Tdubs
Thu Dec 05, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is an HSA right for our family?
Replies: 27
Views: 1213

Re: Is an HSA right for our family?

Feel free if anyone wants to give a rundown on explaining this even though I feel I can find this out elsewhere But how is an HSA a retirement vehicle? If I use it for non medical things, I get taxed (losing the benefits) And assuming we have good insurance, wont they pay for majority of health cos...
by Tdubs
Wed Dec 04, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need Info for GEHA HDHP Insurance Plan for San Francisco
Replies: 7
Views: 435

Re: Need Info for GEHA HDHP Insurance Plan for San Francisco

We currently have GEHA HDHP insurance plan and live in MD. The plan seems work for us. Our family doctors are in network and we are generally healthy. We plan to retire next year and move to CA in March 2020. I understand that GEHA HDHD is a national wide plan and we can keep the same plan after mo...
by Tdubs
Mon Dec 02, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]
Replies: 24
Views: 988

Re: Feds: FEHB + Medicare Part B?

Are Aetna Direct and BCBS Basic still the two plans that let you pay part of your MC-B premiums via the special accounts? You really should check the open season website in case things have changed. BCBS Basic did for 2019 and 2018. I'm going to check for 2020 before open season is over. Edited to ...
by Tdubs
Sun Dec 01, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Feds: FEHB + Medicare Part B [Aetna Direct vs. BCBS Basic]
Replies: 24
Views: 988

Re: Feds: FEHB + Medicare Part B?

Are Aetna Direct and BCBS Basic still the two plans that let you pay part of your MC-B premiums via the special accounts? You really should check the open season website in case things have changed. BCBS Basic did for 2019 and 2018. I'm going to check for 2020 before open season is over. Edited to ...
by Tdubs
Sat Nov 30, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: Three Fund Vs Butterfly Fund or other
Replies: 153
Views: 11406

Re: Three Fund Vs Butterfly Fund or other

I'll poke the bear.

The two "best" portfolios have gold in them. Interesting.
by Tdubs
Sat Nov 30, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 112
Views: 10252

Re: FEHB Open Season 2019

I'm sticking my neck out to ask an ignorant question. Posters have discussed that a negative attribute of GEHA HDHP is that it disincentivizes people to seek out health care, even necessary health services. Does the disincentive lie only in the case where they have not yet met the $1500 upfront ded...
by Tdubs
Fri Nov 29, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 4011

Re: Should The Dentist See Me On Every Visit?

It definitely seems that some dentist offices are trying to reduce costs by asking patients to skip seeing the dentist. Up until a few years ago, the question as to whether to see the dentist on each visit never came up. Now, it comes up in the form of: "you're scheduled for a cleaning. do you also...
by Tdubs
Fri Nov 29, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 65
Views: 8353

Re: SocialSecurity.tools updated to include spousal benefits

gregable, thank you. A small thing I discovered. The imported ss data must have dollar signs on all column 2 & 3 data to work. I had a preexisting file of my info dropped to a spreadsheet that for some reason did not have the signs. As soon as I put them in your tool works. Hm, I can't reproduce yo...
by Tdubs
Thu Nov 28, 2019 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 65
Views: 8353

Re: SocialSecurity.tools updated to include spousal benefits

It is an amazing tool. Thanks to you and neurosphere.
by Tdubs
Thu Nov 28, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says 30 years Roth IRA to 1.3 million?
Replies: 239
Views: 21673

Re: Dave Ramsey says 30 years Roth IRA to 1.3 million?

I've maxed out my Roth IRA since 2008. That's 11 years and right now the value at this very moment is $100,677. So according to Nisiprius's chart above whom I highly respect, I am a year or so off from Ramsey's expected return to $1.3M in 30 years. I consider myself on track as max contribution was...
by Tdubs
Thu Nov 28, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 5263

Re: New Phone Scam - Up A Notch

None of what I said is an assumption. "most scammers and sales call centers make no effort" contains several assumptions. You clearly haven't encountered most scammers. And you have no idea how much effort they do or do not expend. I'm guessing that you haven't encountered most scammers either. To ...
by Tdubs
Thu Nov 28, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 4011

Re: Should The Dentist See Me On Every Visit?

It definitely seems that some dentist offices are trying to reduce costs by asking patients to skip seeing the dentist. Up until a few years ago, the question as to whether to see the dentist on each visit never came up. Now, it comes up in the form of: "you're scheduled for a cleaning. do you also...
by Tdubs
Thu Nov 28, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 5263

Re: New Phone Scam - Up A Notch

Easy enough so that any scammer could do it. If so, why do so many of the IDs make it obvious that you don't need to answer the phone? What's obvious to you isn't obvious to everyone (obviously). It's essentially free for scammers to spoof IDs and send out calls. They try lots of different IDs and ...
by Tdubs
Thu Nov 28, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 5263

Re: New Phone Scam - Up A Notch

Just how easy is it to fake the title of the caller ID anyway? Easy enough so that any scammer could do it. If so, why do so many of the IDs make it obvious that you don't need to answer the phone? What's obvious to you isn't obvious to everyone (obviously). It's essentially free for scammers to sp...
by Tdubs
Thu Nov 28, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: New Phone Scam - Up A Notch
Replies: 59
Views: 5263

Re: New Phone Scam - Up A Notch

JoeRetire wrote:
Wed Nov 27, 2019 8:51 am
CULater wrote:
Wed Nov 27, 2019 8:36 am
Just how easy is it to fake the title of the caller ID anyway?
Easy enough so that any scammer could do it.
If so, why do so many of the IDs make it obvious that you don't need to answer the phone?
by Tdubs
Thu Nov 28, 2019 8:42 am
Forum: Personal Investments
Topic: Should we save in addition to retirement benefits?
Replies: 22
Views: 1851

Re: Should we save in addition to retirement benefits?

I've started a new job and we're trying to determine if we need to be saving on top of the retirement benefits we have. My wife is a teacher. She'll get a pension, assuming she works until 57 (we're both 40), of 75% of her last 4 years. Her pension is currently funded at 42%. I get a pension at my ...
by Tdubs
Thu Nov 28, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 4011

Re: Should The Dentist See Me On Every Visit?

The dentist "check" at the end is unnecessary, but it is one of the ways the dental profession keeps control of its dental hygienists. Otherwise, they could open up their own offices and clean teeth on their own. Then how does a dentist detect problems before they hurt and get more expensive? Are y...
by Tdubs
Wed Nov 27, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advanced Social Security Benefit Calculator
Replies: 9
Views: 771

Re: Advanced Social Security Benefit Calculator

Great site. Thanks for sharing. Yes, it is terrific. Not that they will, but SSA should buy it and post it on their site to give it visibility. I love ssa.tools, but I'm biased. ;) Also, here is a link to a downloadable spreadsheet where you can put in any assumption for future earnings (e.g. if I ...
by Tdubs
Wed Nov 27, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Advanced Social Security Benefit Calculator
Replies: 9
Views: 771

Re: Advanced Social Security Benefit Calculator

Since you already have your SSA statement, you can just drop it as a spreadsheet into this one. Very easy. https://ssa.tools/ Great site. Thanks for sharing. Yes, it is terrific. Not that they will, but SSA should buy it and post it on their site to give it visibility. I love ssa.tools, but I'm bia...
by Tdubs
Wed Nov 27, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Advanced Social Security Benefit Calculator
Replies: 9
Views: 771

Re: Advanced Social Security Benefit Calculator

AHTFY wrote:
Wed Nov 27, 2019 3:30 pm
Tdubs wrote:
Wed Nov 27, 2019 2:09 pm
Since you already have your SSA statement, you can just drop it as a spreadsheet into this one. Very easy.

https://ssa.tools/
Great site. Thanks for sharing.
Yes, it is terrific. Not that they will, but SSA should buy it and post it on their site to give it visibility.
by Tdubs
Wed Nov 27, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Advanced Social Security Benefit Calculator
Replies: 9
Views: 771

Re: Advanced Social Security Benefit Calculator

Since you already have your SSA statement, you can just drop it as a spreadsheet into this one. Very easy.

https://ssa.tools/
by Tdubs
Wed Nov 27, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6733

Re: Dentist: Is this acceptable?

I always thought the actual dentist should be the person doing everything, not a hygienist. Maybe my wife's dentist is the norm and my dentist is the exception. I don't know. Why would you want someone cleaning your teeth who probably rarely does that? All hygienists do is clean teeth, so they’re p...
by Tdubs
Wed Nov 27, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 4011

Re: Should The Dentist See Me On Every Visit?

Dentist always comes in afterwards. I’ll share my funny story. I used the same dentist my entire life...so as you can imagine as an adult seeing a pediatric dentist was kind of strange. Nothing quite like being 30 years old and having a dinosaur printed X-ray vest put on you. But I really liked the...
by Tdubs
Wed Nov 27, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 4011

Re: Should The Dentist See Me On Every Visit?

Unless I was being conned (?) my understanding of one of the purposes of the actual dentist doing a quick look was to check for any signs of lip, mouth and tongue cancer. That is an oral exam, and is billed separately. The dentist will make more money by performing this exam. You get to decide if i...
by Tdubs
Wed Nov 27, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: Should The Dentist See Me On Every Visit?
Replies: 64
Views: 4011

Re: Should The Dentist See Me On Every Visit?

Unless I was being conned (?) my understanding of one of the purposes of the actual dentist doing a quick look was to check for any signs of lip, mouth and tongue cancer. That is an oral exam, and is billed separately. The dentist will make more money by performing this exam. You get to decide if i...