Search found 1169 matches

by Tdubs
Tue Apr 20, 2021 10:55 am
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

Based on the information in the links (in the original post), it looks like the Part B premium reimbursement is for only one person. So if a couple is getting coverage, they’d still be on the hook for one Part B premium with the UH retiree plan. Can anyone confirm this? I’m two years into Medicare ...
by Tdubs
Tue Apr 20, 2021 8:49 am
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

No... it was a regular health insurance plan... but I've never had the same problem with other plans (and consider that it is corporate policy, and the dr apparently had similar experiences with other patients; I sort of look at it as "if I would have had the same experience with property insu...
by Tdubs
Tue Apr 20, 2021 7:45 am
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

I'll "+1000" to that I had serious problems getting them to pay for something (dr provided significant documentation... they still didn't pay). They left the area the next year!!! I WON'T ever use them again...been with BC/BS (still considered by many providers as the standard...if it's n...
by Tdubs
Mon Apr 19, 2021 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

Just a general observation United Health is notorious among healthcare providers for being "difficult", meaning lots of paper work, hoops to jump through and general obstructiveness. [/u] I'll "+1000" to that I had serious problems getting them to pay for something (dr provided ...
by Tdubs
Mon Apr 19, 2021 12:03 pm
Forum: Personal Investments
Topic: TSP Questions
Replies: 15
Views: 1444

Re: TSP Questions

Sure, you can move it all to G right now and protect it from a downturn, but why are you so sure a correction is coming soon?
by Tdubs
Mon Apr 19, 2021 10:54 am
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

Just a general observation United Health is notorious among healthcare providers for being "difficult", meaning lots of paper work, hoops to jump through and general obstructiveness. [/u] I'll "+1000" to that I had serious problems getting them to pay for something (dr provided ...
by Tdubs
Sun Apr 18, 2021 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

You might look at Aetna, which is part of FEHB and has a plan designed to work with Medicare. There may be additional options by the time you retire, since OPM ended its only-two-plans-per-provider rule. I will. The Aetna plan is runner-up to UH according the Checkbook and worth a look. Aetna has a...
by Tdubs
Sun Apr 18, 2021 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

You might look at Aetna, which is part of FEHB and has a plan designed to work with Medicare. There may be additional options by the time you retire, since OPM ended its only-two-plans-per-provider rule. I will. The Aetna plan is runner-up to UH according the Checkbook and worth a look. Aetna has a...
by Tdubs
Sun Apr 18, 2021 10:33 am
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

trueblueky wrote: Sun Apr 18, 2021 10:23 am You might look at Aetna, which is part of FEHB and has a plan designed to work with Medicare. There may be additional options by the time you retire, since OPM ended its only-two-plans-per-provider rule.
I will. The Aetna plan is runner-up to UH according the Checkbook and worth a look.
by Tdubs
Sun Apr 18, 2021 10:31 am
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

There are two main reason why I've opted out of Medicare Part B: 1. My wife and I have been making substantial Roth conversions since we retired in 2018 and those conversions would have bumped us into high IRMAA surcharge territory. We'll be making substantial Roth conversions for at least another ...
by Tdubs
Sun Apr 18, 2021 9:32 am
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

Re: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

Doesn't this depend on financial and health circumstances though? Say a couple is in a high IRMAA bracket and would pay $10K or more per year for Medicare part B; is the couple really likely to accumulate $10K in co-pays that would be avoided by part B? Or is there a financial aspect that I am miss...
by Tdubs
Sun Apr 18, 2021 7:42 am
Forum: Personal Finance (Not Investing)
Topic: I have FEHB. Do I need Medicare Part B? The New Answer is Yes!
Replies: 24
Views: 2057

I have FEHB. Do I need Medicare Part B? The New Answer is Yes!

Until recently, the conventional wisdom has been that for federal retirees using FEHB plans, taking Medicare part B might give you peace of mind by covering almost all copays and deductibles, but it wasn't the best financial choice. This was usually true even for some plans like BCBS that partially ...
by Tdubs
Tue Apr 13, 2021 5:29 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 188
Views: 19316

Re: Did you move for better weather? Did you regret it?

As for happiness, if you're not happy now you won't be happy after you move. Weather has little to do with that. Bubbling anger over a multitude of mostly imagined slights will poison an otherwise blissful existence. I don't know. This covid winter gave me a glimpse of what it must be like for hous...
by Tdubs
Mon Apr 12, 2021 7:26 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 188
Views: 19316

Re: Did you move for better weather? Did you regret it?

Native Californian here. - Grew up in San Bernardino/Inland Empire. High desert, 120 temps in the summer, fantastic summer nights. - Moved to Santa Barbara. Moderate temps all year round, but cold and foggy in the summer. - Moved to the Bay Area for college. Rainy and cold in the winter. Ick. - Mov...
by Tdubs
Mon Apr 12, 2021 7:24 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 188
Views: 19316

Re: Did you move for better weather? Did you regret it?

iamblessed wrote: Tue Mar 31, 2020 12:37 pm Anybody move to the drier part of Washington like Yakima or Spokane? What do you think of the weather?
Nice weather overall in Eastern Washington. Occasional extremes but dry heat and sun all summer. Worst part is the wind. I couldn't take it.
by Tdubs
Sat Apr 10, 2021 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 122
Views: 4880

Re: Do budgets work?

This advisor is just foolish. Budgets have worked for generations. When my parent's generation took their cash income and stuck it in envelopes or jars marked "rent," "electricity," "food" they were following a method that has stood the test of time. Today, our "ja...
by Tdubs
Fri Apr 02, 2021 7:18 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5179

Re: Best nonstick pans?

camillus wrote: Fri Apr 02, 2021 7:03 pm I really, really want to like cast iron.

I find however that they are a pain to clean and re-season. There are a few more steps. I find myself reaching for other pans more often when I need to make dinner happen...
+1
by Tdubs
Sun Mar 28, 2021 6:56 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8252

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

Getting down into details that are specific to each university (such as Cal's dual CS degrees of BS in EECS through College of Engineering and BA in CS through College of L&S). In general at Cal the official recommendation has been to go to community college then transfer in as a junior to the ...
by Tdubs
Tue Mar 16, 2021 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding college age dependents and Covid relief checks
Replies: 5
Views: 497

Re: Question regarding college age dependents and Covid relief checks

Hello, I am so sorry to ask this, but I have done a bunch of research and feel stymied. The IRS guidelines are very confusing to me, and I would appreciate any help. My question is related to tax filing and the impact on 2020 and the 2021 Covid stimulus relief checks. The situation is that I have p...
by Tdubs
Sun Mar 14, 2021 1:55 pm
Forum: Personal Consumer Issues
Topic: Resubscribe to The Economist or switch to something else?
Replies: 32
Views: 2482

Re: Resubscribe to The Economist or switch to something else?

I've subscribed to the Economist for decades now, and I think I would be willing to pay upwards of $1000 per year for it. It's incredible, and pretty much the only non-local news you need. In the right state, you don't need $1000. Economist is available for free at my public library through overdri...
by Tdubs
Fri Mar 12, 2021 11:09 am
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan to Change I Fund Index
Replies: 54
Views: 8879

Re: Thrift Savings Plan to Change I Fund Index

This has not been implemented and it is likely dead for the foreseeable future. There’s no legislation concerning it but the current set of commissioners doesn’t seem inclined to open the can of worms again. Interesting. I wonder if I should stop utilizing I funds then as it’s not really total inte...
by Tdubs
Tue Mar 09, 2021 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2020 tax refund?
Replies: 145
Views: 12255

Re: How quickly did you receive your 2020 tax refund?

Nine days, eleven for state refund.
by Tdubs
Mon Feb 15, 2021 7:07 am
Forum: Personal Finance (Not Investing)
Topic: 1040 Question: Someone can claim you as a dependent. Does it matter if they don't?
Replies: 5
Views: 500

Re: 1040 Question: Someone can claim you as a dependent. Does it matter if they don't?

Da5id wrote: Mon Feb 15, 2021 12:24 am Dependant income counts towards ACA MAGI, so it matters quite a bit in some contexts.
In my case, it is unearned income for the dependent. More of it than usual this year, and it seems like it has to be taxed at the parent's rate.
by Tdubs
Sun Feb 14, 2021 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 Question: Someone can claim you as a dependent. Does it matter if they don't?
Replies: 5
Views: 500

Re: 1040 Question: Someone can claim you as a dependent. Does it matter if they don't?

Yes. Because most tax credits and benefits are not available to you if you CAN be claimed as a dependent. I noticed this year the TurboTax asked my sons if they could be claimed as a dependent (yes) and then were they actually being claimed as dependents- we answered no on those to see what would h...
by Tdubs
Sun Feb 14, 2021 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 Question: Someone can claim you as a dependent. Does it matter if they don't?
Replies: 5
Views: 500

1040 Question: Someone can claim you as a dependent. Does it matter if they don't?

I want to make sure I'm reading this correctly. Under the 1040's Standard Deduction section, it asks if "someone can claim you as a dependent." It doesn't matter whether "someone" actually does claim you (i.e. parents do or don't claim their 20-year-old full-time college student ...
by Tdubs
Mon Feb 08, 2021 5:09 pm
Forum: Personal Consumer Issues
Topic: Men, Where do you Carry Your Cell phone?
Replies: 16
Views: 1074

Re: Men, Where do you Carry Your Cell phone?

Left shirt pocket
by Tdubs
Sun Feb 07, 2021 9:03 pm
Forum: Personal Consumer Issues
Topic: Audi Q5 vs Mercedes GLC vs Volvo XC60
Replies: 46
Views: 2697

Re: Audi Q5 vs Mercedes GLC vs Volvo XC60

Something to keep in mind with oil consumption. That oil eventually will cause catalytic converter failure. I can't imagine that an Audi cat costs less than a grand and probably takes 8 hours to replace. (Audi is notorious for using every size and type fastener known to man because it's the enginee...
by Tdubs
Sun Feb 07, 2021 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HDHP with preterm baby and NICU stay
Replies: 13
Views: 949

Re: GEHA HDHP with preterm baby and NICU stay

I am a federal employee in the top tax bracket so have been on GEHA HDHP for the HSA access. My wife just gave birth to a preterm baby, am expecting a month long NICU stay. Would I be fine to just stick with GEHA HDHP? - I've already met the $3k deductible, and the maximal family out of pocket is $...
by Tdubs
Sat Feb 06, 2021 7:14 am
Forum: Personal Finance (Not Investing)
Topic: HMO vs PPO decision with major premium difference
Replies: 20
Views: 1319

Re: HMO vs PPO decision with major premium difference

As a health care provider, I have switched from a Blue Cross PPO to Kaiser HMO. I did this begrudgingly but my wife and kids had been with Kaiser for some time and I saw that their care was actually pretty good. My issue with the PPO is as others have stated, there is no real coordination between t...
by Tdubs
Sun Jan 31, 2021 8:15 pm
Forum: Personal Investments
Topic: Most tax efficient fund (Vanguard vs. Fidelity)
Replies: 25
Views: 1967

Re: Most tax efficient fund (Vanguard vs. Fidelity)

I also read that Vanguard had the patent on this sort of reduced capital gains distribution and this was set to expire in the near future. Unsure where I read that, and I could be completely wrong here, but is this accurate? I don't want to make a long term decision on something that will be expiri...
by Tdubs
Sun Jan 31, 2021 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can my parents retire?
Replies: 70
Views: 5807

Re: Can my parents retire?

What are their plans when one of them goes before the other and their SS is cut in half? They may be tired, but they have to work and delay at least one of their SS benefits till 70.
by Tdubs
Sun Jan 31, 2021 7:38 pm
Forum: Personal Consumer Issues
Topic: Need a cheaper cell phone plan
Replies: 79
Views: 7108

Re: Need a cheaper cell phone plan

Republic is very affordable but I find you get what you pay for. There are hiccups with slow or never sent texts along with funky echoing and dropped calls. That being said, it is fine for my needs. Most of the time it's good. I don't conduct business with the phone. I've also heard a lot of good t...
by Tdubs
Thu Jan 21, 2021 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Parents: Do Your Kids Know You're Rich?
Replies: 194
Views: 11098

Re: Millionaire Parents: Do Your Kids Know You're Rich?

Other than the 1/10th of the 1 percent, practically everyone thinks they are middle class. I used to ask my students what class they came from. Over many years of asking, only one student said they were rich. Wouldn't the answer to this question also depend on where you are teaching (not included i...
by Tdubs
Thu Jan 21, 2021 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Parents: Do Your Kids Know You're Rich?
Replies: 194
Views: 11098

Re: Millionaire Parents: Do Your Kids Know You're Rich?

Other than the 1/10th of the 1 percent, practically everyone thinks they are middle class. I used to ask my students what class they came from. Over many years of asking, only one student said they were rich.
by Tdubs
Sun Jan 17, 2021 2:35 pm
Forum: Personal Investments
Topic: Measuring Performance Online
Replies: 5
Views: 291

Re: Measuring Performance Online

Are you just looking for a total investment tracker like Personal Capital?
by Tdubs
Mon Jan 04, 2021 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Got my stimulus check, how about you?
Replies: 212
Views: 16390

Re: Got my stimulus check, how about you?

My kids have not gotten them.
by Tdubs
Mon Jan 04, 2021 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Got my stimulus check, how about you?
Replies: 212
Views: 16390

Re: Got my stimulus check, how about you?

JoeRetire wrote: Mon Jan 04, 2021 11:20 am
Tdubs wrote: Mon Jan 04, 2021 10:33 am Posted to my Ally account this morning. Less than expected.
Why less? What were you expecting?
I'm in the AGI region where the stimulus phases out, but I thought I got more proportionally in the spring stimulus.
by Tdubs
Mon Jan 04, 2021 10:57 am
Forum: Personal Investments
Topic: Reorganize Finance
Replies: 9
Views: 751

Re: Reorganize Finance

A little puzzled by the the Roth IRA as a destination for education funds, if I'm understanding correctly. Six years of backdoor is not a lot of time to get dollars in there and you are essentially "wasting" Roth space for the rest of your life. Is your state among the majority that have ...
by Tdubs
Mon Jan 04, 2021 10:51 am
Forum: Investing - Theory, News & General
Topic: Life Insurance
Replies: 26
Views: 1589

Re: Life Insurance

OK - agreed term life for a young adult. But now let's look at it from a different lens. I am 70 years old and invested 100% in stocks - all index funds. I have no bond investments. So what about a whole life policy for a retired person. Could it be considered similar to bond investment? I guess it...
by Tdubs
Mon Jan 04, 2021 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Got my stimulus check, how about you?
Replies: 212
Views: 16390

Got my stimulus check, how about you?

Posted to my Ally account this morning. Less than expected.
by Tdubs
Sun Jan 03, 2021 9:35 pm
Forum: Personal Investments
Topic: Husband was given large portfolio by grandparents...what do I do next?
Replies: 33
Views: 4478

Re: Husband was given large portfolio by grandparents...what do I do next?

So what do you do if the records establishing the cost basis are lost?
by Tdubs
Sat Jan 02, 2021 9:48 am
Forum: Personal Consumer Issues
Topic: Tips for Frugal Living
Replies: 284
Views: 27215

Re: Tips for Frugal Living

Expiration/sell by dates mean nothing. Don't throw away food until it has really spoiled--just smell it.
by Tdubs
Fri Jan 01, 2021 10:53 am
Forum: Personal Investments
Topic: How to invest unused education funds (non-529) that might still be used (or not!)
Replies: 1
Views: 154

How to invest unused education funds (non-529) that might still be used (or not!)

One of my children (early 20s) has chosen to learn a profession on the job rather than go to college or a trade school, but still toys with the idea of going back to school to expand on skills learned by OJT. I suspect that won't happen, but if it does, there is an education fund for it. My question...
by Tdubs
Mon Dec 28, 2020 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Spending down my aunt's HSAs
Replies: 15
Views: 1506

Re: Spending down my aunt's HSAs

Thanks for your answers on how to spend the money in the HSAs. It looks like the thing to do is just establish a link to my aunt's regular checking account. I cannot understand the case for keeping the account at HSA Bank. It's bleeding away $2.50 per month. If I don't do anything, it will be overd...
by Tdubs
Mon Dec 28, 2020 10:30 pm
Forum: Personal Investments
Topic: How aggressive to be with Roth Conversions?
Replies: 20
Views: 3034

Re: How aggressive to be with Roth Conversions?

The Stone Wall wrote: Mon Dec 28, 2020 10:23 pm You may want to compare your spreadsheet estimates with the I-ORP extended model or the Retiree Portfolio Model. If nothing else, they may or may not confirm some of your model results.
+1
by Tdubs
Mon Dec 28, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Spending down my aunt's HSAs
Replies: 15
Views: 1506

Re: Spending down my aunt's HSAs

This doesn't seem worth the effort. The fees are small potatoes. Just, move it all the HSA Bank and spend it on medical--Medicare premiums (does she have LTC insurance? You can pay the premiums with it) and whatever medical expenses she has. At 79, I'd think there would be enough expenses to close i...
by Tdubs
Mon Dec 28, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan
Replies: 107
Views: 5077

Re: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan

xerxes101 wrote: Sat Dec 12, 2020 7:34 pm
7) Once my 1 year is over with Mint, I am thinking about switching to Red Pocket because I get to pick my carrier and I was happier with AT&T than T-Mobile in my area.
On Red Pocket, can you switch from one carrier to another month to month? I guess you'd need to get different SIM cards?
by Tdubs
Mon Dec 28, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: 2020: Lessons learned
Replies: 237
Views: 16174

Re: 2020: Lessons learned

I stayed the course, but this thread has taught me that a lot of BHers think this once-in-a-century event (I hope) is instructive about how to invest over a couple decades.
by Tdubs
Mon Dec 28, 2020 4:53 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 595
Views: 55611

Re: What is your age and asset allocation ?

Spouse and I are both 62. Spouse collects SS disability, I don't plan on taking SS till 70, but obviously could sooner in a pinch. I still work and will collect a small pension whenever I retire (likely 3 years)--it also provides good retiree health benefits. With those sources providing enough guar...