Search found 2392 matches
- Fri Jun 30, 2023 6:37 am
- Forum: Personal Investments
- Topic: How about a 100-Year CD?
- Replies: 61
- Views: 7348
Re: How about a 100-Year CD?
The modified duration (response to interest rate changes) is 21 years. The UK used to and maybe still does sell bonds with no maturity. Think of these as annuities.
- Thu Jun 29, 2023 9:19 am
- Forum: Personal Consumer Issues
- Topic: Europe eSIMs
- Replies: 79
- Views: 7164
Re: Europe eSIMs
Anyone can buy the esim. But I see some very bad reviews. Anyone have real life experience with US Mobile?stocknoob4111 wrote: ↑Thu Jun 29, 2023 9:13 am Looks like Airalo seems to be the most used and popular.
This looks rather interesting! But I believe this is only for US Mobile customers and not ala carte?
If I were a nomad I would buy one short term and then buy a local sim.
- Wed Jun 28, 2023 12:00 pm
- Forum: Personal Investments
- Topic: T-bills vs. T-bill ETF - seeking thoughts on pros and cons
- Replies: 46
- Views: 13031
Re: T-bills vs. T-bill ETF - seeking thoughts on pros and cons
XHLF has heavy enough trading. I guess I was looking too early in the trading day.
- Wed Jun 28, 2023 8:42 am
- Forum: Personal Investments
- Topic: T-bills vs. T-bill ETF - seeking thoughts on pros and cons
- Replies: 46
- Views: 13031
Re: T-bills vs. T-bill ETF - seeking thoughts on pros and cons
Bumping this thread back as recently discovered the new(ish) BondBloxx Treasury ETFs. https://bondbloxxetf.com/products/ Presently I have a rolling ladder of Individual Bills with no plans to spend it. It is essentially my break glass option in case of job loss. XLF (6mo Treasury ETF) and XONE (1yr Treasury ETF) at ER's of .03% I have found very tempting to switch my ladder. My pros for the ETF: -Easier to add smaller amounts vs waiting to load up to buy a full $1,000 bond - Slightly simpler to manage -Easier on heirs should something happen to me -Very low ER at .03 is essentially $3 per $10K. -Don't have to wait for auctions, or pay spread on secondary market -.01 spreads My cons: -New -Low volume -Still a cost vs free to buy myself -If ...
- Mon Jun 26, 2023 9:49 am
- Forum: Personal Finance (Not Investing)
- Topic: 6.35% fixed rate or cash offer?
- Replies: 51
- Views: 4860
Re: 6.35% fixed rate or cash offer?
No, you can get a mortgage any time on a paid off house, income and equity permitting. That would save the transaction cost of the purchase mortgage.beardsicles wrote: ↑Mon Jun 26, 2023 9:45 am Paying cash takes away your future opportunity to refinance down. If that matters to you. But your income is so high relative to the home cost, I don’t think it really matters what you do here. I personally would take the loan.
- Mon Jun 26, 2023 9:26 am
- Forum: Personal Finance (Not Investing)
- Topic: 6.35% fixed rate or cash offer?
- Replies: 51
- Views: 4860
Re: 6.35% fixed rate or cash offer?
Paying cash gives you a 6 % return tax free and risk free. You will have to pay capital gains taxes on your stock holdings at some point anyway, unless you die before selling.
- Mon Jun 26, 2023 8:11 am
- Forum: Personal Consumer Issues
- Topic: Summer Heat Escape US Destinations?
- Replies: 48
- Views: 4190
Re: Summer Heat Escape US Destinations?
Lots of West Coast places are temperate all summer long. Bring a jacket.
- Mon Jun 26, 2023 5:42 am
- Forum: Investing - Theory, News & General
- Topic: Interest rate increases
- Replies: 139
- Views: 12209
Re: Interest rate increases
I'm guessing rates will rise for a few months so that there will be elbow room to lower them in the months leading up to the election. Call me cynical.
- Sat Jun 24, 2023 4:00 pm
- Forum: Personal Consumer Issues
- Topic: Iphone vs Android
- Replies: 181
- Views: 11086
- Fri Jun 23, 2023 6:35 am
- Forum: Personal Consumer Issues
- Topic: TEMU - Consumer Site?
- Replies: 30
- Views: 3864
Re: TEMU - Consumer Site?
And Amazon does not? Who does the due diligence to visit China manufacturing sites?Cheez-It Guy wrote: ↑Fri Jun 23, 2023 6:26 am Temu: Risk popular website sells forced labour goods
https://www.bbc.co.uk/news/business-65990529
US lawmakers are warning of an "extremely high risk" that products sold on the Chinese online shopping site Temu have been made with forced labour.
- Thu Jun 22, 2023 6:37 am
- Forum: Investing - Theory, News & General
- Topic: FRNs superior to t-bills?
- Replies: 5
- Views: 782
Re: FRNs superior to t-bills?
A floating rate note benefits from rising rates, but does not get the benefit of falling rates. So yes, the market believes interest rates will be lower in the future; the yield curve being inverted. Usually long rates are higher than short, because of the risk of interest rate changes, but this is not the case right now.
- Wed Jun 21, 2023 5:39 am
- Forum: Investing - Theory, News & General
- Topic: Why I wouldn't worry about >4% SWR FIRE
- Replies: 40
- Views: 6957
Re: Why I wouldn't worry about >4% SWR FIRE
The 4% "rule" isn't something you apply to your entire projected retirement income. Just to the portion that investments need to cover. I agree that it applies just to the portion that investments need to cover. My point was, if you have SS kicking in at 70, then that portion is no longer fixed. So the expenses that your investments need to cover is bigger before 70 then after 70. The 4% rule is based on expenses being the same in real terms every year, but if you take SS at 70, you have a cliff in expenses that are covered by investments. I'm reminded of the old Cutthroat thread about Spending More by delaying social security. Yes, you can go a little big by buying that social security annuity. https://www.bogleheads.org/forum/v...
- Tue Jun 20, 2023 8:42 am
- Forum: Personal Consumer Issues
- Topic: Advice re flying Boston/Logan to Ho Chi Minh City, Vietnam
- Replies: 32
- Views: 2483
Re: Advice re flying Boston/Logan to Ho Chi Minh City, Vietnam
On United, 24 hours before the flight (when you check in), you can sometimes find good deals on business upgrades for the long flights. I paid $800 for IAD to MUC on a ticket bought with miles.
Otherwise try to find empty flights and get a row to yourself in coach.
Otherwise try to find empty flights and get a row to yourself in coach.
- Tue Jun 20, 2023 6:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Medicaid and Joint Savings Account with Parent
- Replies: 21
- Views: 2034
Re: Medicaid and Joint Savings Account with Parent
No one takes your money while you are alive. You pay for nursing home care until Medicaid kicks in as assets are depleted. After death, Medicaid generally recovers their spending from the estate to the extent possible; this is when the "taking" happens.
- Mon Jun 19, 2023 12:39 pm
- Forum: Investing - Theory, News & General
- Topic: Tell me again, why dividends are not useful ?
- Replies: 1156
- Views: 90646
Re: Tell me again, why dividends are not useful ?
I wondered since buybacks are becoming much more prevalent and returning dividends less so, then a dividend-focused index ETF would become more and more concentrated in either fewer companies or would have to expand the companies included in whatever types of rules-based sort it is using (i.e. including companies it normally wouldn't). If we think decades out, as an accumulator, what effect could that have on a dividend fund holding? If buybacks tend to be concentrated in certain sectors, then you could see more heavy concentration in certain sectors in the index beyond what was the case in the past due to their exclusion. Some "fundamental" indecises sort by shareholder yield and would seem to avoid this problem. There was a rec...
- Sun Jun 18, 2023 6:29 am
- Forum: Investing - Theory, News & General
- Topic: Tell me again, why dividends are not useful ?
- Replies: 1156
- Views: 90646
Re: Tell me again, why dividends are not useful ?
As someone who doesn't like to sell shares i find dividends are extremely useful. Don't tell me to sell shares to generate income. If i know when its profitable for me to participate in company buyback then i might even know how to market time profitably. Selling shares because you need to fund retirement is not market timing. The timing is set by the need for spending, not by predicting the direction of the market. The ultimate buyer for a share buyback is the company and therefore the management. Why would they buy shares if it's not profitable for them. If you are at the poker table and you don't know who the fish are then it just means that you are the fish. I don't like to get scammed and I do that by not playing the game. And yet the...
- Sat Jun 17, 2023 7:50 pm
- Forum: Investing - Theory, News & General
- Topic: Tell me again, why dividends are not useful ?
- Replies: 1156
- Views: 90646
Re: Tell me again, why dividends are not useful ?
Selling shares because you need to fund retirement is not market timing. The timing is set by the need for spending, not by predicting the direction of the market.
- Sat Jun 17, 2023 7:32 am
- Forum: Personal Investments
- Topic: Help me dump my reddit stocks
- Replies: 28
- Views: 4527
Re: Help me dump my reddit stocks
The stock-picking, market-timing, anchoring-fallacy trifecta post!miamivice wrote: ↑Wed Jun 14, 2023 9:52 am Hold on.
Had he bought Vanguard Total Stock Market Index 2 years ago (November 2021), it would be showing losses as well. Would all of you suggest he sell Vanguard Total Stock Market Index? That is simply taking unrealized losses and converting them to real losses.
I would need to know the names of the companies that he is invested in and the date of acqusition before providing real advice as to whether to sell today or wait until the stock market is doing better before selling.
- Fri Jun 16, 2023 9:33 am
- Forum: Personal Finance (Not Investing)
- Topic: low BMI = higher life insurance premium
- Replies: 45
- Views: 5479
Re: low BMI = higher life insurance premium
Yes, they pull your credit, and your credit rating matters.
The BMI thing is truly bizarre. Coincidentally, medical consensus is moving away from BMI to assess health, and rightly so. You could be overweight by BMI just from being muscly.
Try another insurance company. Was this an online application? Did you talk to a person?
The BMI thing is truly bizarre. Coincidentally, medical consensus is moving away from BMI to assess health, and rightly so. You could be overweight by BMI just from being muscly.
Try another insurance company. Was this an online application? Did you talk to a person?
- Wed Jun 14, 2023 4:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to submit a 2021 amended tax return
- Replies: 11
- Views: 679
Re: How to submit a 2021 amended tax return
Yes those terms are ridiculous re HR block. I just printed a 2020 amended return from OLT at no cost.
- Wed Jun 14, 2023 1:35 pm
- Forum: Personal Consumer Issues
- Topic: Low Cost Mobile Phone Plan Options
- Replies: 37
- Views: 5766
Re: Low Cost Mobile Phone Plan Options
I pay about $5 per month, using Google voice and MobileX. No voice minutes, google voice uses data for calls.
- Tue Jun 13, 2023 1:25 pm
- Forum: Personal Investments
- Topic: HSA or 401k for early retirement?
- Replies: 14
- Views: 1439
Re: HSA or 401k for early retirement?
You'll have no trouble using up your HSA tax-free for medical and dental expenses. Speaking as a 67 year old.
I paid most medical expenses out of pocket to allow the HSA to accumulate. You can reimburse your future self for expenses incurred 30 years ago.
You can afford to max out both assuming that brokerage account is taxable. If your income is low, you might consider a Roth 401k.
I paid most medical expenses out of pocket to allow the HSA to accumulate. You can reimburse your future self for expenses incurred 30 years ago.
You can afford to max out both assuming that brokerage account is taxable. If your income is low, you might consider a Roth 401k.
- Fri Jun 09, 2023 6:09 am
- Forum: Personal Consumer Issues
- Topic: Zurich hotel location recommendations
- Replies: 32
- Views: 2381
Re: Zurich hotel location recommendations
Another alternative to the Swiss multiday pass is the Saver day pass. These are great for a hiking holiday, when the only trains I use is to and from Zurich airport. The advantage over an advance ticket is that it is good on any train (except some mountain rails), so if the flight is delayed I don't lose it. The price increases as you get closer to the date, so buy in advance. You may have noticed that train tickets in Switzerland are among the worlds most expensive. On the other hand, they are clean, frequent, and on time. The price you see at the SBB app or website is for holders of a 1/2 price pass, so you will pay twice that. It's unlikely that a 1/2 price pass will work out for you on a short visit. It's not a big deal to use any other...
- Wed Jun 07, 2023 9:43 am
- Forum: Personal Consumer Issues
- Topic: How to use delta miles reward ticket(s) when traveling as a group
- Replies: 6
- Views: 491
Re: How to use delta miles reward ticket(s) when traveling as a group
A potential problem with separate tickets is a change of equipment or cancellation in which case the passengers on separate records could be moved to different flights.ivk5 wrote: ↑Wed Jun 07, 2023 9:19 am In this situation I just book some tickets with miles and others with cash.
It’s not uncommon to have people traveling together on different record locators, easy to explain to airlines if needed (seat changes etc), happens all the time for other reasons- record split by upgrade requests, work trip with self-paid companion, friends paying separately, etc etc.
- Mon Jun 05, 2023 10:45 am
- Forum: Personal Finance (Not Investing)
- Topic: List with a realtor vs FSBO?
- Replies: 58
- Views: 5229
Re: List with a realtor vs FSBO?
A real estate agent can't or shouldn't give legal advice. A lawyer is cheaper.
The only buyers who won't find your house for sale without an agent are those corporate relocates.
- Fri Jun 02, 2023 6:21 am
- Forum: Personal Consumer Issues
- Topic: Defense against the dark arts - Pickpockets!
- Replies: 123
- Views: 12925
Re: Defense against the dark arts - Pickpockets!
If a friend were to recant a story of their vacation, I would much rather hear about their pickpocket story than visiting museum x. Add a little chase scene and I'm all ears. Then maybe this one is for you. A few weeks ago in Palermo, a guy bumped me twice walking on the sidewalk and unzipped the fanny pack, but didn't find anything of value to him, or maybe he just left because I was looking at him. Later that same day, two guys on a motorbike tried to take my phone out of my hand, but I held on. Fighting back is the natural instinct but I recall reading a blogger was in a country and felt something and instinctively resisted and the guy had a knife and cut his hand. Fortunately not severely but enough to get stitches in the local hospita...
- Thu Jun 01, 2023 9:57 am
- Forum: Personal Consumer Issues
- Topic: Defense against the dark arts - Pickpockets!
- Replies: 123
- Views: 12925
Re: Defense against the dark arts - Pickpockets!
Then maybe this one is for you.sunsetting101 wrote: ↑Thu Jun 01, 2023 3:35 am If a friend were to recant a story of their vacation, I would much rather hear about their pickpocket story than visiting museum x. Add a little chase scene and I'm all ears.
A few weeks ago in Palermo, a guy bumped me twice walking on the sidewalk and unzipped the fanny pack, but didn't find anything of value to him, or maybe he just left because I was looking at him. Later that same day, two guys on a motorbike tried to take my phone out of my hand, but I held on.
- Mon May 29, 2023 5:08 am
- Forum: Personal Consumer Issues
- Topic: Red Pocket Data Top Ups
- Replies: 25
- Views: 2154
Re: Red Pocket Data Top Ups
I mean I used the Ookla speed checker instead of whatever random one I tried first.
- Sun May 28, 2023 2:27 pm
- Forum: Personal Consumer Issues
- Topic: Red Pocket Data Top Ups
- Replies: 25
- Views: 2154
Re: Red Pocket Data Top Ups
Deleted
- Sun May 28, 2023 2:27 pm
- Forum: Personal Consumer Issues
- Topic: Red Pocket Data Top Ups
- Replies: 25
- Views: 2154
Re: Red Pocket Data Top Ups
I tried a different tester and got faster DL.
- Sun May 28, 2023 2:22 pm
- Forum: Personal Consumer Issues
- Topic: Red Pocket Data Top Ups
- Replies: 25
- Views: 2154
Re: Red Pocket Data Top Ups
I'm getting 48mB per sec on 5g. I'm on Mobil x limited plan. They will throttle your speed on an "unlimited" plan after a high consumption.LifeIsGood wrote: ↑Fri May 26, 2023 6:37 am Looks like Mobil X or US Mobil are my best bets. Thanks jayjayc and bberris ! I read about one complaint with US Mobil is that unless you're on one of their "Unlimited" plans the 5G speed is throttled. Anyone have any experience with that?
- Sun May 28, 2023 7:25 am
- Forum: Personal Consumer Issues
- Topic: Red Pocket Data Top Ups
- Replies: 25
- Views: 2154
Re: Red Pocket Data Top Ups
You can use MobilX or any other sim as a supplemental data without changing plans assuming your phone supports two sims. The Pixel 6 allows one hard sim and one esim to run together. You just turn off one sim's mobile data (the one with the phone number.)
- Wed May 24, 2023 8:08 am
- Forum: Personal Finance (Not Investing)
- Topic: Tracking balance on private note
- Replies: 4
- Views: 384
Re: Tracking balance on private note
If by tracking you mean proving you made payments, write a check.
- Wed May 24, 2023 7:42 am
- Forum: Investing - Theory, News & General
- Topic: [Debt ceiling discussion mega-thread]
- Replies: 1286
- Views: 128378
Re: [Debt ceiling discussion mega-thread]
I like it. I have to believe that even if the payoff is late, you will get an extra interest payment. Even the IRS pays interest on late refunds.
- Wed May 24, 2023 7:35 am
- Forum: Personal Consumer Issues
- Topic: Red Pocket Data Top Ups
- Replies: 25
- Views: 2154
Re: Red Pocket Data Top Ups
I just switched to Mobile X. I use a data only plan but they also have unlimited minutes. Uses the Verizon network and good pricing. Service so far so good, but I've only used it 10 days.
The app tries to predict your usage but you can add data at any time. Data is $2.10 per Gb, with a $2.00 flat monthly charge + taxes. Unlimited minutes I think 4.50.
The app tries to predict your usage but you can add data at any time. Data is $2.10 per Gb, with a $2.00 flat monthly charge + taxes. Unlimited minutes I think 4.50.
- Wed May 24, 2023 7:13 am
- Forum: Personal Investments
- Topic: Unstable Value Fund
- Replies: 12
- Views: 1494
Re: Unstable Value Fund
The usual fix for an underwater SVF is to reduce future distributions. Of course, that may cause excessive withdrawals, and then reducing future distributions won't fix it. Another possibility is to limit withdrawals, along with smaller distributions.
One thing that won't happen: the insurance company backing the SVF paying off the shortage. Maybe the employer itself will pay it.
It's dangerous to be in an SVF during a transition. This lets the insurance company off the hook.
One thing that won't happen: the insurance company backing the SVF paying off the shortage. Maybe the employer itself will pay it.
It's dangerous to be in an SVF during a transition. This lets the insurance company off the hook.
- Sun May 21, 2023 10:04 am
- Forum: Personal Consumer Issues
- Topic: VOIP telephone quality
- Replies: 12
- Views: 730
Re: VOIP telephone quality
Google Voice is VOIP. I have it as my sole service on my mobile, no land line. Most of my calls are at home over wifi. I subscribe to a data only plan for 4-7 $ per month. I don't have any dropouts.
- Fri May 19, 2023 6:13 am
- Forum: Personal Consumer Issues
- Topic: Best options for calling/data plan for European travel
- Replies: 23
- Views: 1956
Re: Best options for calling/data plan for European travel
With phones that don't take esims your options are pretty limited.
Are you phones compatible with google Fi?
Are you phones compatible with google Fi?
- Thu May 18, 2023 9:13 am
- Forum: Personal Consumer Issues
- Topic: How does anyone fly on points anymore? (United especially)
- Replies: 115
- Views: 12796
Re: How does anyone fly on points anymore? (United especially)
United just jumped coach minimums to Europe one way to 40,000. Just a few weeks ago I flew to Sicily on United from MSP RT for 63000 miles. And then upgraded to Business one way for $800.
But it doesn't seem to make much sense now. I'm seeing fall fares to Switzerland for $650 RT or so.
But it doesn't seem to make much sense now. I'm seeing fall fares to Switzerland for $650 RT or so.
- Wed May 17, 2023 5:06 am
- Forum: Investing - Theory, News & General
- Topic: does anyone disagree with this article that argues real estate is less risky and more profitable?
- Replies: 169
- Views: 12885
Re: does anyone disagree with this article that argues real estate is less risky and more profitable?
I haven't read the article.
But usually real estate touts ignore some costs and risks: vacancy, damage, rent control, squatters, eviction costs, and maintenance. Then there's the big one, either you put in the work yourself or pay a manager.
But usually real estate touts ignore some costs and risks: vacancy, damage, rent control, squatters, eviction costs, and maintenance. Then there's the big one, either you put in the work yourself or pay a manager.
- Sun May 14, 2023 4:59 am
- Forum: Personal Investments
- Topic: Deferred Annuity to Cover Difference in SS Monthly Payment
- Replies: 11
- Views: 1331
Re: Deferred Annuity to Cover Difference in SS Monthly Payment
This seems backward to me. I would use an annuity to provide income to 70, delaying SS claiming. That is, I would be willing to buy a time limited (not life) annuity for the 5 years.
Two reasons: Social security has an unlimited COLA. It is taxed less than the income from a private annuity.
Two reasons: Social security has an unlimited COLA. It is taxed less than the income from a private annuity.
- Thu May 11, 2023 5:32 am
- Forum: Investing - Theory, News & General
- Topic: Need few sentence rationale for why people should avoid financial advisors
- Replies: 187
- Views: 15822
Re: Need few sentence rationale for why people should avoid financial advisors
If you pay a 1 % AUM fee your safe withdrawal rate is 3% instead of 4. So you pay a 25 % tax to your advisor.
- Wed May 10, 2023 8:02 am
- Forum: Personal Consumer Issues
- Topic: New key fob for 2011 Lexus rx 350
- Replies: 15
- Views: 1511
Re: New key fob for 2011 Lexus rx 350
Look for aftermarket products. You may be able to program it yourself, or have a locksmith do it for less than the dealer would charge.
- Sat May 06, 2023 12:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I share my plan to retire with my boss?
- Replies: 91
- Views: 11498
Re: Should I share my plan to retire with my boss?
If you stay quiet, maybe they'll make you an severance offer since you seem to be of the "right" age. Just give the required notice.
- Sat May 06, 2023 4:59 am
- Forum: Personal Investments
- Topic: Are Fixed Indexed Annuities worth considering?
- Replies: 35
- Views: 4839
Re: Are Fixed Indexed Annuities worth considering?
You don't have to be an insurance company to play the FIA game. Just buy bonds and use the interest to buy index call options. You never lose money and participate in market gains, just like the FIA guys advertise, but you haven't paid fees.
- Wed May 03, 2023 6:46 am
- Forum: Personal Finance (Not Investing)
- Topic: Someone using my address
- Replies: 18
- Views: 2924
Re: Someone using my address
I'd have to say being a participant in a fraud carries some risk.
- Tue May 02, 2023 2:05 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I purchase a Medicare supplement?
- Replies: 202
- Views: 16350
Re: Should I purchase a Medicare supplement?
Depending on your state, you can get an MSA plan for free with a $3000 deductible. I don't know if free qualifies it as a purchase. MSA plans are Advantage plans. Most states also have non-MSA Advantage plans with no premium above part B. Right, but there is a catch with those. You may have a restricted network, and you may need approval for procedures. Not so with an MSA plan, where your only restriction is to services that accept medicare in full. Yes, but even though you do not have a restricted network with an MSA, MSA plans do have right to require prior authorization for procedures and services, which can result in delays and hassles and stress for you and your providers. Your providers will not be billing Medicare, they will be bill...
- Mon May 01, 2023 6:57 am
- Forum: Investing - Theory, News & General
- Topic: why do people deposit more than the fdic limit?
- Replies: 64
- Views: 6837
Re: why do people deposit more than the fdic limit?
In the two most recent failures, all accounts of any size were protected. There seems to be an implicit guarantee of all accounts against bank failure, at least for banks of any size. This has almost always happened by FDIC arranging an assisted takeover of the failed bank, so it is almost invisible to a depositor.
- Sun Apr 30, 2023 5:43 am
- Forum: Personal Investments
- Topic: Anyone ever bought a closed end fund?
- Replies: 36
- Views: 3756
Re: Anyone ever bought a closed end fund?
BTZ is at a 9 % discount now. It hasn't traded at more than 20 % discount since 2008. Many CEFs were at huge discounts then.Opinika wrote: ↑Sat Apr 29, 2023 10:07 am I owned Blackrock's BTZ for a number of years. Sold it in December of 2022 because of, well you know...
Currently selling at a 20% discount to NAV and yielding around 9.4%. Have found myself checking its price lately.
This, like many CEFs, is a leveraged fund. "Don't use leverage, don't chase yield," I always say.
But, sometimes I don't listen to myself.
- Sat Apr 29, 2023 4:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I purchase a Medicare supplement?
- Replies: 202
- Views: 16350
Re: Should I purchase a Medicare supplement?
Right, but there is a catch with those. You may have a restricted network, and you may need approval for procedures. Not so with an MSA plan, where your only restriction is to services that accept medicare in full.Northern Flicker wrote: ↑Sat Apr 29, 2023 12:38 pmMSA plans are Advantage plans. Most states also have non-MSA Advantage plans with no premium above part B.