Search found 281 matches

by catalina355
Wed Oct 31, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

Would like your thoughts on N vs FHD and GHD. Before the video, I was considering FHD. This year, after Medicare Assignment and Payment(80%) Plan N paid a grand total of 70$ for Dr visits.(2 of us). We are heathy and take no meds. So it got me to thinking about FHD. I would save 1800$/yr premium as...
by catalina355
Wed Oct 31, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by catalina355
Wed Oct 31, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 3112

Re: Luxury Sedans for around $25k used with lower miles? AWD?

2015 BMW 5 series fits the bill Low miles, XDrive for $25k? Unlikely Inexpensive maintenance. Impossible. :D Haven't had a 5, but two different 3-series that have been very inexpensive to maintain over the past 20 years, with the exception of the current one's insatiable appetite for rear tires. Bu...
by catalina355
Wed Oct 31, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

Another variable in this mess--When I talk with my 3rd party administrator, (the N policy I have (underwritten in 2018)), told me because the policy was underwritten, it is the same as issue date rated--ie--no increase in age, increase in inflation and potential individual Co. increases? I am not s...
by catalina355
Wed Oct 31, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by catalina355
Wed Oct 31, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by catalina355
Wed Oct 31, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Signing up for Medigap and Drug plans for the first time
Replies: 4
Views: 517

Re: Signing up for Medigap and Drug plans for the first time

First of all yes, if you want your prescription plan to be effective in December you need to sign up for a 2018 plan. Your 2018 plan will continue into 2019 if you don't cancel it or enroll in a different 2019 plan. Thank you for confirming I need to sign up for a 2018 plan and that it will continu...
by catalina355
Tue Oct 30, 2018 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for Medigap and Drug plans for the first time
Replies: 4
Views: 517

Re: Signing up for Medigap and Drug plans for the first time

Yes, the choices automatically roll over unless you change them. How much different are the monthly premiums for the Rx drug plans? Is that difference worth the extra hassle to switch after one month? Or is the difference in the Rx drugs? If so, can you manage to delay ordering the Rx drugs for one...
by catalina355
Tue Oct 30, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 3112

Re: Luxury Sedans for around $25k used with lower miles? AWD?

Bacchus01 wrote: Tue Oct 30, 2018 8:23 pm
HEDGEFUNDIE wrote: Tue Oct 30, 2018 8:06 pm 2015 BMW 5 series fits the bill
Low miles, XDrive for $25k? Unlikely
Inexpensive maintenance. Impossible. :D
by catalina355
Tue Oct 30, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for Medigap and Drug plans for the first time
Replies: 4
Views: 517

Signing up for Medigap and Drug plans for the first time

If one is signing up for a Medigap and Drug Plan for the first time in November 2018 and if I want the Medigap and the Drug plan to be effective in December 2018 do I sign up for 2018 plans? If so, when do I sign up for 2019 plans? Do my choices for Medigap and Drug Plans automatically "roll over" t...
by catalina355
Tue Oct 30, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

I have looked at that link before. It does not seem complete. For example, the AARP/UHC plans are not shown. They are shown on the medicare.gov site. The AARP/UHC plan is listed under "Group" in the drop down menu. (yeah, I haven't the faintest idea why the state would do it that way.) Thank you! I...
by catalina355
Tue Oct 30, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

I believe that if you want Part B and Medigap to be effective in Nov. 2018 then you need to sign up for 2018. If you want them to be effective on or after 1/1/2019 then you sign up for 2019. You will need your Part A Medicare number to sign up for Parts B and a Medigap plan. I do have Part A now. S...
by catalina355
Tue Oct 30, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

My last decision is whether to go with AARP Plan G which is community rated or an issue-age rated company. There is one of each sold in my state-- AARP UnitedHealthcare is priced at $124.00 and Transamerica which is Issue age rated at $151.00. Thanks for helping me work through this. RB I am also d...
by catalina355
Tue Oct 30, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

the author of the video makes some good points about checking out Plan N, particularly since few providers don't take Medicare assignment. However, methinks he way over-sells the point about Guaranteed Issue. In fact, ALL of the plans available at that time are Guarantee Issue (GI) for every new 65...
by catalina355
Tue Oct 30, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

Medigap changes in 2020 should drive most of us to Plan N , not G. Plan F will no longer be available to newbees--pool will get older and no new members Plan G will be Guaranteed issued and will most likely have a GHD to replace FHD; cost increases will follow F see youtube below: Price increases a...
by catalina355
Tue Oct 30, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Giving up on GoogleSpreadsheets. Need alternative.
Replies: 29
Views: 4339

Re: Giving up on GoogleSpreadsheets. Need alternative.

Just in case some people aren't aware, Excel recently made native stock quote functions available to beta users via their Office Insiders program. I'm not sure if/when it will be official, but if you join the Office Insiders program, you'll probably get access to it whenever your Excel pulls an upd...
by catalina355
Fri Oct 26, 2018 12:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 10968

Re: Larry Swedroe: Why International Diversification Works

It's extremely hard to see how something like this could happen within the next few decades. Not only would the US need to decline and some others to rise, those others would need to offer a way to benefit effectively from their rise through stock market indexing (assuming you're following the Bogl...
by catalina355
Wed Oct 24, 2018 11:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 10968

Re: Larry Swedroe: Why International Diversification Works

A table from Larry Swedroe's own 2010 book, The Quest for Alpha , appears in a section intended to illustrate incremental improvement of a portfolio by consecutive addition of diversifying asset classes. He starts with a 60/40 portfolio of the S&P 500 index and the Barclay's Capital Intermediate Go...
by catalina355
Wed Oct 24, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1176
Views: 189596

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

^^^ You're right, thanks. I missed the ".ca" in the link and have corrected my post. The US link is here: Recall Information for Safety & Defects | Honda Owners Site I entered the VIN for my own '12 CR-V, all OK. That could be because Honda USA has not issued a recall for the oil dilution problem.
by catalina355
Tue Oct 23, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?
Replies: 25
Views: 2717

Re: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?

First, you are basing your concerns on some non-profit advocy group who is guranteed to have an agenda. This not saying they are wrong just slow down. From Wikipedia: Throughout its history, the Center has played a major role in numerous recalls including 6.7 million Chevrolets for defective engine...
by catalina355
Mon Oct 22, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 18549

Re: Total Bond Market Fund - interest rates rising!

As outlined very clearly above - if your investment horizon is shorter than the funds average duration, you have chosen the wrong fund, but if your investment horizon is longer than the funds average duration you should be agnostic to NAV changes over the short term. When NAV falls, you should be b...
by catalina355
Mon Oct 22, 2018 11:21 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 18549

Re: Total Bond Market Fund - interest rates rising!

As outlined very clearly above - if your investment horizon is shorter than the funds average duration, you have chosen the wrong fund, but if your investment horizon is longer than the funds average duration you should be agnostic to NAV changes over the short term. When NAV falls, you should be b...
by catalina355
Thu Oct 11, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 11691

Re: Short Term Bond yield over 3%

Kevin M wrote: Thu Oct 11, 2018 6:01 pm Short-Term Treasury Admiral with SEC yield of 2.75% is TEY for me of 3.09%. Duration is 1.9 years. I own some of this fund in taxable, but it's only a small portion of my fixed income.

Kevin
Why do you prefer ST Treasury to ST Treasury Index?
by catalina355
Thu Oct 11, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 11691

Re: Short Term Bond yield over 3%

Nowizard wrote: Thu Oct 11, 2018 4:46 pm Why Short Term Bond Index rather than Short Term Investment Bond Index (VFSUX)?
Tim
One reason some people prefer ST Bond Index is that it has less credit risk since 65% of the holdings are Treasury and Agency bonds.
by catalina355
Thu Oct 11, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 11691

Re: Short Term Bond yield over 3%

I was in my accounts today and noticed that the SEC yield on the Vanguard Short Term Bond Fund (Admiral: VBIRX) is 3.01% :happy This is the fund where I am holding our living expenses for the first next two years of retirement (out years are in intermediate term). I am using ST Bond Index for the s...
by catalina355
Thu Oct 11, 2018 10:31 pm
Forum: Investing - Theory, News & General
Topic: Investment grade bonds now made up of 50% BBB rated
Replies: 26
Views: 3193

Re: Investment grade bonds now made up of 50% BBB rated

Is the ST TIPS fund a suitable holding in a taxable account? No. You get taxed on both the interest and inflation adjustment. However, that's just the net gain, so it isn't an extra disadvantage. If you have $10K in TIPS with a 1% yield, and inflation is 3%, then after one year, you will have $10,4...
by catalina355
Wed Oct 10, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 11691

Re: Short Term Bond yield over 3%

I was in my accounts today and noticed that the SEC yield on the Vanguard Short Term Bond Fund (Admiral: VBIRX) is 3.01% :happy This is the fund where I am holding our living expenses for the first next two years of retirement (out years are in intermediate term). I am using ST Bond Index for the s...
by catalina355
Wed Oct 10, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: Investment grade bonds now made up of 50% BBB rated
Replies: 26
Views: 3193

Re: Investment grade bonds now made up of 50% BBB rated

TBM holds no BBB rated bonds and almost 2/3 of its bonds are backed by the US government. Its corporate bond exposure sticks with investment grade. TBM's default risk is well controlled IMO but it does have duration risk (ave. duration 6.1 yrs. which is why its YTD return is -2.52%). No reason for ...
by catalina355
Sun Oct 07, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4873

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

Join the class action lawsuit when it starts. What would that achieve? I don't know, about the only thing these organizations respond to is what hits them in the pocketbook. Otherwise, it's pretty much a lost cause (as you can see by this debacle coming on the heels of the Equifax breech). Isn't it...
by catalina355
Fri Oct 05, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

I understand. I was surprised that Medicare would approve a medication not in a plan's formulary and that AARP Plan D would pay. I thought the plan's formulary was fixed. Different plans having different formularies. I don't think Medicare has any say in which meds, as all the cost is paid by Plan ...
by catalina355
Fri Oct 05, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: bond index and rising interest rates
Replies: 17
Views: 2239

Re: bond index and rising interest rates

In bond fund, there are mix of bond. Historical return of BND has never been negative. Right now, I would only buy short duration bond or just even money market fund. Bond is less risky then equity but less projected return. Annual return of Total Bond fund has been negative. Not sure about the ETF...
by catalina355
Fri Oct 05, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: bond index and rising interest rates
Replies: 17
Views: 2239

Re: bond index and rising interest rates

In bond fund, there are mix of bond. Historical return of BND has never been negative. Right now, I would only buy short duration bond or just even money market fund. Bond is less risky then equity but less projected return. I moved a portion to short term bond index and MM earlier this year. What ...
by catalina355
Fri Oct 05, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

I had UHC for employer sponsored insurance and the experience with UHC was not too bad. Physician's offices sometimes had to insist UHC do the medically appropriate thing but fortunately I did not have to get involved. I'm sorry you had a worse experience with UHC. I think that it is Medicare itsel...
by catalina355
Thu Oct 04, 2018 11:48 pm
Forum: Investing - Theory, News & General
Topic: bond index and rising interest rates
Replies: 17
Views: 2239

Re: bond index and rising interest rates

Interest rates are going up. Existing bonds prices are going down. If I have a Total Bond Market Index is the net effect good or bad for my Bond Index fund ??? One way to think about bonds (and bond funds) is the current yield (or yield at purchase time). If you hold the bond to maturity, you will ...
by catalina355
Thu Oct 04, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: bond index and rising interest rates
Replies: 17
Views: 2239

Re: bond index and rising interest rates

Interest rates are going up. Existing bonds prices are going down. Maybe no. Expected increases are already baked in. Only if rates rise faster than expected would the NAV fall. If expected increases are already baked in why is Total Bond steadily falling, week by week? yes...the "already baked in"...
by catalina355
Thu Oct 04, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: bond index and rising interest rates
Replies: 17
Views: 2239

Re: bond index and rising interest rates

alex_686 wrote: Thu Oct 04, 2018 10:14 pm
bluegill wrote: Thu Oct 04, 2018 11:23 am Interest rates are going up. Existing bonds prices are going down.
Maybe no. Expected increases are already baked in. Only if rates rise faster than expected would the NAV fall.
If expected increases are already baked in why is Total Bond steadily falling, week by week?
by catalina355
Thu Oct 04, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: bond index and rising interest rates
Replies: 17
Views: 2239

Re: bond index and rising interest rates

It depends on the duration (that is, price sensitivity to interest rate changes). And how long you hold the bond fund. If you hold the bond fund longer than its duration, a rise in interest rate helps you. A 1% interest rate rise with a duration of 5 years will reduce the principal immediately by 5...
by catalina355
Thu Oct 04, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

I have decided to sign up for Medicare Plan G. I would like to find out what people think of the AARP plan. Have you had coverage or billing issues with UnitedHealthCare? If issues have arisen did UHC customer service resolve the issues promptly and correctly. How was the sign up experience and get...
by catalina355
Thu Oct 04, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

I compared the cost of the premium for my current plan F vs. plan G for me in Oregon on the AARP web site and plan F was cheaper!! I don't know why except that I have been with Plan F for many years and maybe that gives me a deduction of some kind. If I was a first-timer (newcomer), then plan G wou...
by catalina355
Thu Oct 04, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

It seems that most if not all posters in this thread are praising plan G over Plan F. Any opinions to the contrary and why? I like Plan F because it's hands free. I don't have to pay copays or any bills. I've read the speculation that premiums will increase faster than Plan G. If that happens I wil...
by catalina355
Wed Oct 03, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

I have had AARP plan G this year. Signup was through a broker and it was easy. I met the deductible early in the year and have about 15 claims since then. The process has been seamless between Medicare and AARP/UHC. One month I get a summary from Medicare about how they handled the claim and the ne...
by catalina355
Wed Oct 03, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

I had AARP Plan F until a month ago when I switched to G. During the 6 yrs I had F, the premiums increased 50%. That is a 7% increase/yr of which 3% is the disappearing discount so the other component account for health care costs increasing is 4%/yr. Now that the discount is gone, that 4% should a...
by catalina355
Wed Oct 03, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

I have decided to sign up for Medicare Plan G. I would like to find out what people think of the AARP plan. Have you had coverage or billing issues with UnitedHealthCare? If issues have arisen did UHC customer service resolve the issues promptly and correctly. How was the sign up experience and get...
by catalina355
Wed Oct 03, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

Re: AARP UnitedHealthCare Plan G

Billing issues should not be a problem with any of the Medigap carriers. Medicare decides what the cost of a service should be for your area. Then it assigns the deductible to you (if any) and pays 80%, leaving 20% for the carrier. There is no decision to be made by the time it gets to the Medigap ...
by catalina355
Tue Oct 02, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2409

AARP UnitedHealthCare Plan G

I have decided to sign up for Medicare Plan G. I would like to find out what people think of the AARP plan. Have you had coverage or billing issues with UnitedHealthCare? If issues have arisen did UHC customer service resolve the issues promptly and correctly. How was the sign up experience and gett...
by catalina355
Tue Oct 02, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: switching between AARP Medigap plans
Replies: 27
Views: 3464

Re: switching between AARP Medigap plans

I would also evaluate Medicare Advantage plans. In some areas, the MA "market" is very competitive and can offer significant savings - without compromising the quality of care. However, if you spend a lot of time outside of your Medicare Advantage plan area or if you will be moving once you are on ...
by catalina355
Tue Oct 02, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 4436

Re: Struggling with Medicare Plan G vs Plan N

My last decision is whether to go with AARP Plan G which is community rated or an issue-age rated company. There is one of each sold in my state-- AARP UnitedHealthcare is priced at $124.00 and Transamerica which is Issue age rated at $151.00. Thanks for helping me work through this. RB I am also d...
by catalina355
Mon Sep 24, 2018 12:01 am
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 6041

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

..... ..... This is a very helpful summary. In the decumulation phase how would you allocate the fixed income? My concern is the -1.78% return for Total Bond year to date and it may well be lower over the next year or so. Not as bad as a serous decline in stocks but nonetheless an issue if one no l...
by catalina355
Sun Sep 23, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: For those who use a 2 year cash(like) buffer, how do you know when to use it?
Replies: 67
Views: 6041

Re: For those who use a 2 year cash(like) buffer, how do you know when to use it?

I'm still in accumulation phase but thinking about the cash buffer/bucket for a market downturn. I might have missed it in all the posts but if you are talking about not wanting to sell your stocks "cheap" when the stock market is down then that is not a big concern unless the bond market happens t...
by catalina355
Wed Sep 19, 2018 8:41 pm
Forum: Personal Investments
Topic: Total Bond or Total Bond/short-term
Replies: 48
Views: 5772

Re: Total Bond or Total Bond/short-term

Vineviz, I see this idea expressed often on the forum, and I'm not at all sure I understand what it means. I wonder if you or someone else can elaborate on it. Surely it can't mean that if interest rates rise, the NAV of a bond fund will remain unchanged—can it? What are the implications of this fo...