Search found 451 matches

by robertalpert
Tue Dec 22, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Cancel Medigap plan to save money for a year+?
Replies: 40
Views: 3797

Re: Cancel Medigap plan to save money for a year+?

If I call the company and they say that I can quit the policy for 2016 and am allowed to come back in 2017 if I need to, then I may consider doing so without any repercussions. Wouldn't they would likely consider 2017 to be a new application and require medical underwriting with a likelihood of hig...
by robertalpert
Fri Dec 18, 2015 8:33 pm
Forum: Personal Investments
Topic: Upgrade to Brokerage Account with Vanguard
Replies: 46
Views: 12877

Re: Reasons NOT to switch?

A third consideration for you Kevin is that your account numbers will change after upgrading. And my impression is that, as a result, you will have to refile all of the agent authorization paperwork for the new accounts. That would be a big PITA, since the forms require notarization. This would req...
by robertalpert
Sat Dec 12, 2015 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

their form had the direct question......"Have you ever had .... But is that a legal question for the application to ask? States may have a "look-back" period of a specified time period (eg 6-months or 2-years). If you know what the look-back time period is for your state, you could t...
by robertalpert
Sat Dec 12, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

.I could not get a policy from them. Maybe some of you have gone through the same process or know of a company that might be a bit more lenient. You may need to consult an insurance lawyer to learn what pre-existing condition means in your state (and what to devulge or not devulge at time of applic...
by robertalpert
Fri Dec 11, 2015 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

Watty wrote:I am currently reading the "Medicare for Dummies" book and it has helped me a lot. If you get it there is a 2015 edition so it would be be good to get the current edition.
Thanks Watty, Our public library has it and am now on the waiting list.
by robertalpert
Fri Dec 11, 2015 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

kaneohe wrote: robert, thanks for the detailed explanation. Kind of makes sense.
.

I'm still trying to piece it all together. I won't actually be on medigap till I turn 65 in early 2016. Until recently I had no idea it would be this complicated.
by robertalpert
Fri Dec 11, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

thinking about switching from an F plan to a G plan to avoid potential problems in 2020, but my current provider does not issue a G plan in my area. . Your company might have G by 2020, but that may not solve your pre-condition issue. You should be able to keep Plan F at preferred premium rate. If ...
by robertalpert
Fri Dec 11, 2015 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

I thought medigap plans worked throughout the US and that you could sign up once and keep it forever. Do you need to get it issued again if you change which state you live in? I guess not every policy is issued in every locality but I didn't think about having to change this way. Plans with network...
by robertalpert
Fri Dec 11, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

.... this should not affect attained-age plans. I do think it will affect issue-age rated plans and community rated plans. It is only speculation at this point until some detailed analysis or study is done. The other thing I don't know is whether there will be a one time guaranteed issue right to c...
by robertalpert
Thu Dec 10, 2015 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

Also, and this is important. New enrollment in Plan F is being discontinued starting in 2020. The economics of this have not been fully analyzed, but some are predicting what is known as a death spiral in insurance terms. With no new younger participants, as the average age of Plan F participants i...
by robertalpert
Thu Dec 10, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 107
Views: 34388

Re: Medigap Plan G vs Plan F?

Is this correct about guaranteed issue? I can begin with guaranteed issue into plan G and later have guaranteed issue into plan F during open enrollment or with certain other events (eg moving to another state). I can begin with plan F but will never again have guaranteed issue into plan G under any...
by robertalpert
Tue Nov 10, 2015 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible--Simplify the Ded. Payments?
Replies: 50
Views: 8795

Re: Medicare Plan F High Deductible--Simplify the Ded. Payments?

Thanks, GerryL. I did a Google search (which I probably should have done before) and see what you are talking about. I called my carrier again. They still disclaim knowledge (including a supervisor, which I find quite amazing), do not offer a Plan "G" for 2016 (I'm not sure who does in CA...
by robertalpert
Sat Oct 17, 2015 8:21 am
Forum: Personal Investments
Topic: Dad says to pull back on investments going into 2016, what do you think?
Replies: 52
Views: 8745

Re: Dad says to pull back on investments going into 2016, what do you think?

Thing is...my allocation is aggressive...very. I don't know when I'll need the cash for a home, so it seems I'm blindly investing. I need a little downward protection perhaps. Then you really need an IPS. Makes sense if you're young to have your retirement money invested aggressively. Anything you ...
by robertalpert
Thu Oct 01, 2015 10:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 30597

Re: Vanguard Partnering with Yodlee

Toons wrote:Thanks for the link.
I think I will start using the service. :happy

Where's the link?
by robertalpert
Sat Sep 26, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: PLEASE, help me choose between 4 wood floors
Replies: 35
Views: 4005

Re: PLEASE, help me choose between 4 wood floors

My son bought a house five years ago with cork flooring. With his two small children and one dog, the cork flooring creates a very nice effect: reducing impact and noise when toys and other items fall to the floor. His house is the first I've ever known to have cork flooring, but I've since become a...
by robertalpert
Sat Aug 22, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loans versus investing?
Replies: 6
Views: 1103

Re: Pay off student loans versus investing?

Will your eventual employment be in an field where student loan forgiveness is available? If so, then just pay the minimum due on the student loan till your grad school deferment kicks in. Put the remaining income toward paying off credit card debt; Eliminate the lending club investment; then buildi...
by robertalpert
Sat Aug 22, 2015 9:53 am
Forum: Personal Investments
Topic: Simple Vanguard ETF Portfolio Recommendation for Young Investor?
Replies: 7
Views: 1662

Re: Simple Vanguard ETF Portfolio Recommendation for Young Investor?

Simplicity is a worthwhile concept. Why not consider the one fund solution: Life Strategy Growth VASGX. Its allocation is stock---bond 80/20; US---international 60/40. That's pretty close to your stated allocation objective. If your consolidated IRA account is at Vanguard, there's no transaction fee...
by robertalpert
Sat Jul 18, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Why did you take SS at FRA instead of delaying until 70?
Replies: 69
Views: 11269

Re: Why did you take SS at FRA instead of delaying until 70?

EDIT: If you are currently working and just reached FRA this month, then waiting till the end of this calendar year may prevent social security benefit reduction this year. Drawing social security next calendar year, there would be no redution in social security benefits in response to earned income...
by robertalpert
Sat Jul 04, 2015 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance "birthday rule"
Replies: 35
Views: 13983

Re: Health insurance "birthday rule"

There is no need for us to be double-covered There is no reason not to have double-coverage for yourself as that may be free. Just drop the "family" coverage with your employer. If your wife were to loose her employer's family coverage for any reason, would you be able to add them back in...
by robertalpert
Thu Jul 02, 2015 11:10 pm
Forum: Personal Investments
Topic: Which Funds to Take RMD From
Replies: 34
Views: 6500

Re: Which Funds to Take RMD From

Is your portfilio's time horizon for your use only? Consider putting everything into VSCGX ---- Life strategy conservative growth (40% stock; 60% bond) and just withdraw the required minimum distribution each year. Is your portfolio's time horizon partly for legacy (hiers)? Consider putting half int...
by robertalpert
Thu Jul 02, 2015 11:09 pm
Forum: Personal Investments
Topic: Which Funds to Take RMD From
Replies: 34
Views: 6500

Re: Which Funds to Take RMD From

deleted see next post
by robertalpert
Sat Jun 13, 2015 9:10 pm
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 5230

Re: Plumber question

didn't pass the draft test by the energy audit company. ....... pipe for drip? ( on the side of the water tank) should have been metal and not PVC pipe. What are the credentials of the energy audit company? Talk to your original plumber; But you may need a chimney sweep for the draft issue.
by robertalpert
Sat May 09, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: Active vs. passive in more niche markets
Replies: 58
Views: 5159

Re: Active vs. passive in more niche markets

Got the ticker symbols the advisor is pushing?
by robertalpert
Fri May 01, 2015 12:03 am
Forum: Investing - Theory, News & General
Topic: Ohio 529 Changes - More VG, DFA - Less PIMCO, GE
Replies: 1
Views: 684

Re: Ohio 529 Changes - More VG, DFA - Less PIMCO, GE

I look forward to seeing which DFA funds will become part of the OHio529 lineup.
by robertalpert
Wed Apr 22, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: Reducing Monthly Costs
Replies: 29
Views: 3889

Re: Reducing Monthly Costs

James Taylor offers free guitar lessons online:
http://www.jamestaylor.com/guitar-lessons/
by robertalpert
Sat Apr 04, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off Boat with Heloc
Replies: 18
Views: 2446

Re: Paying off Boat with Heloc

If you can live on the boat year-round as your primary residence, then sure, pay it off with heloc.

Otherwise, don't risk the house for the sake of the boat. If the current heloc pmts are a problem when combined with the boat loan pmts, then definitely sell the boat.
by robertalpert
Fri Mar 27, 2015 10:32 pm
Forum: Personal Investments
Topic: Help with Retirement Portfolio
Replies: 7
Views: 1593

Re: Help with Retirement Portfolio

The non-tickered investments seems to be non-traded trusts. I don't know anything more, about them but the subject is in the wiki: http://www.bogleheads.org/wiki/Unit_investment_trusts FS Energy and Power http://investmentarchitects.com/doc/FS_Energy_&_Power_110812.pdf http://www.filingsanalysis...
by robertalpert
Fri Mar 27, 2015 9:46 pm
Forum: Personal Investments
Topic: Help with Retirement Portfolio
Replies: 7
Views: 1593

Re: Help with Retirement Portfolio

All of these funds are load funds and all have 12b-1 fees. The financial advisor has received front end loads of 5.75% on four funds and a 3.75% front load on the remaining two. The loads are already spent (with each purchase), but the 0.24% 12b-1 fees paid to the financial advisor each and every ye...
by robertalpert
Sun Mar 15, 2015 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 120
Views: 58621

Re: If I Knew Then What I Know Now

Thanks for your very interesting post. Here is an article about your topic. -- may provide an additional way(s) to organize the discussion.

http://articles.chicagotribune.com/2012 ... me-machine
by robertalpert
Wed Mar 11, 2015 8:36 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 76216

Re: Will you buy an Apple Watch?

Gary Guss wrote:Nope, I'm holding out for a Dick Tracy Wrist Radio..
I'm waiting for a Get Smart shoe phone.
by robertalpert
Mon Mar 09, 2015 9:27 am
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 39
Views: 12165

Re: Best Classical Music Box Sets?

Verify what you like (via Spotify); then visit your public library website; borrow cds and store them in memory.
by robertalpert
Fri Feb 27, 2015 10:25 pm
Forum: Personal Investments
Topic: International is disappointing
Replies: 84
Views: 10234

Re: International is disappointing

Perhaps an alternative (ala Larry): reduce it but have most of remainding international in Intnl small-cap.
by robertalpert
Fri Jan 30, 2015 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Accidentally forgot a credit card for three months HELP!
Replies: 40
Views: 7035

Re: Accidentally forgot a credit card for three months HELP!

Did you receive any form of monthly statements? After your pmt clears the bank, call the credit card and ask to speak with their department that does the credit bureau reporting. If you never recvd any statements, the credit card might be willing to use that reason as a rationale to do a cbr correct...
by robertalpert
Thu Jan 29, 2015 11:52 pm
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 67
Views: 10275

Re: cvt transmissions

Wife's car had a bearing go in her CVT and had to have the entire transmission replaced after only 44k miles. Luckily we have a lifetime powertrain warranty and paid $0 out of pocket. I don't drive the car much but I don't like the feel of it. It feels like the car is revving too high all of the ti...
by robertalpert
Thu Jan 22, 2015 11:55 am
Forum: Personal Investments
Topic: $50,000 to invest, want little to no risk. CDs? Silver? Etc?
Replies: 37
Views: 5974

Re: $50,000 to invest, want little to no risk. CDs? Silver?

I have no credit card debt and I own my home. A few years ago I was awarded $50,000 If you still have home mortgage, paying that off would be a perfect risk free investment. Then, If there is earned income, use the $50000 to contribute the max each year into a Vanguard Roth IRA using a safe fund li...
by robertalpert
Sat Jan 10, 2015 1:05 am
Forum: Personal Finance (Not Investing)
Topic: HELOC as emergency fund - what am I missing?
Replies: 11
Views: 3431

Re: HELOC as emergency fund - what am I missing?

HELOCs have this bad tendency to go away when they are needed, as many people discovered in 2008. Or be revoked if the bank discovers a job loss or other change in circumstances. Or be canceled for no stated reason ("this bank no longer offer this product however we will wave the fees if you d...
by robertalpert
Sat Jan 10, 2015 12:39 am
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 33
Views: 53808

Re: make mortgage payment with a credit card?

A bank has zero incentive to allow generic credit cards to be used for mortgage payments. Only possibility would be if you used a CC issued by the same bank that holds your mortgage... A card affiliated with the mortgage company will probably not work. The bank has a hugh disinsentive to risk trans...
by robertalpert
Tue Jan 06, 2015 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: New vanguard Rep
Replies: 25
Views: 3449

Re: New vanguard Rep

Operational questions are the only reason to call, if you need something not commonly done on the website. Well this happens to be an operational issue and i cannot do it online. It is exchange of funds from my money market into my son's roth account. They are seperate. The rep set up these monthly...
by robertalpert
Mon Jan 05, 2015 1:08 am
Forum: Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 35
Views: 6365

Re: Do you keep all your eggs in one basket?

With the exception of one non-vanguard fund (not available at Vanguard), we consolidated all other assets to Vanguard and over time was able to simplify our portfolio design. It's one of our better decisions.
by robertalpert
Sun Dec 21, 2014 1:53 am
Forum: Personal Investments
Topic: QQQ vs VGT (Vanguard Information Technology ETF)
Replies: 9
Views: 13227

Re: QQQ vs VGT (Vanguard Information Technology ETF)

With VTI's tech allocation of 16%+ in tech;
If you have at least 60/40 stock bond allocation, your portfolio probably already has over 6% in tech.
by robertalpert
Mon Dec 15, 2014 1:00 am
Forum: Personal Investments
Topic: 3 Fund vs. Stategic Life Style
Replies: 13
Views: 1625

Re: 3 Fund vs. Stategic Life Style

The life strategy fund and the Wellesley fund (in my opinion) are both good choices. But simplicity wins the day. If all holdings are in an IRA, and if your assets exceed 100k; then you could have a simple 50-50 mix of conservative Life Strategy and Wellesley-admiral shares. But anything more compli...
by robertalpert
Sat Dec 13, 2014 6:51 pm
Forum: Personal Consumer Issues
Topic: Apple software update / can no longer highlight text
Replies: 10
Views: 1629

Re: Apple software update / can no longer highlight text

Problem solved, sort-of. I visited an apple store today, (had bought the keyboard there one year ago.) The shift-arrow highlight indeed works on other applications. Just not in Safari. So I downloaded an app for Google-chrome browser. And guess what --- Highlight now works (with Chrome browser). Sti...
by robertalpert
Thu Dec 11, 2014 9:26 am
Forum: Personal Investments
Topic: VTI Fee Savings Until Admiral-Ready (VTSAX)?
Replies: 15
Views: 1873

Re: VTI Fee Savings Until Admiral-Ready (VSTAX)?

Learning about how ETFs work would be a valid reason for making the ETF purchase. My own vote would be for the simplicity. If you plan to hold market allocation, consider a life strategy fund. If tilting, then also consider a life strategy fund until you have accumulated enough assets to properly co...
by robertalpert
Thu Dec 11, 2014 8:46 am
Forum: Personal Consumer Issues
Topic: Apple software update / can no longer highlight text
Replies: 10
Views: 1629

Re: Apple software update / can no longer highlight text

Thanks all for the suggestions. I'm not positively sure about the timing of the glitch, so it could be a keyboard malfunction. This weekend, I plan to visit the apple store where the keyboard was purchased to explore an exchange under warrantee.
by robertalpert
Thu Dec 11, 2014 12:35 am
Forum: Personal Consumer Issues
Topic: Apple software update / can no longer highlight text
Replies: 10
Views: 1629

Re: Apple software update / can no longer highlight text

I'm on a Mac with the latest software and can do it. Maybe the keyboard isn't playing nice with the updated software? Can you use the screen and highlight to Cut and Paste? I can use the on screen to highlight an individual word or to highlight the entire page. But the onscreen keyboard does not ha...
by robertalpert
Thu Dec 11, 2014 12:03 am
Forum: Personal Consumer Issues
Topic: Apple software update / can no longer highlight text
Replies: 10
Views: 1629

Apple software update / can no longer highlight text

Since the apple software update, I've had difficulty with highlighting text. Before could use the arrow and shift keys but that no longer works. I use a separate hardware keyboard with apple ipad. I can still highlight text within the URL field, but can no longer in other fields. For example when ty...
by robertalpert
Tue Dec 09, 2014 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Dropping COBRA- Which Obamacare plan? Bronze or Silver?
Replies: 14
Views: 2188

Re: Dropping COBRA- Which Obamacare plan? Bronze or Silver?

Begin by searching the provider networks. From the insurance companies with acceptable provider networks, then choose by price / benefit of bronz, silver, gold.

But if you reside in a state with their own state exchange and expanded medicaide, then check that out before signing up.
by robertalpert
Fri Dec 05, 2014 8:41 pm
Forum: Investing - Theory, News & General
Topic: 100% Equities: 1 or 2 funds?
Replies: 26
Views: 3071

Re: 100% Equities: 1 or 2 funds?

70% small value (US) 30% International small-cap This may not be available in a single fund. Or alternatively, a nice and easy growth life strategy fund. Do you mean for this to be in addition to the total us market index or in place of it? If you are asking, then the smallcap-only solution will be...
by robertalpert
Fri Dec 05, 2014 4:46 pm
Forum: Investing - Theory, News & General
Topic: 100% Equities: 1 or 2 funds?
Replies: 26
Views: 3071

Re: 100% Equities: 1 or 2 funds?

70% small value (US)
30% International small-cap

This may not be available in a single fund.

Or alternatively, a nice and easy growth life strategy fund (VASGX)