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I was born in 1943, I have no assigned generation as there only a few of us. š. I have been fully retired since 2010 - partially retired since 2008. As a result I have experience in life and retirement.š„² I blog to the annoyance of another group of individuals at Quinnscommentary.net My entire working career was spent designing, Ā managing and negotiating employee benefit and compensation plans for a S&P 500 company. That includes health care, pension , 401k, disability plans and more. I retired as VP- Compensation and Benefits. My greatest joys in retirement are family activities and traveling the US and the world - and writing.
CLUES LEFT BY A KILLER ECHO WIDESPREAD ANGER AT HEALTH INSURERS
54 replies
AUTHOR: R Quinn on 12/6/2024
FIRST: Nick Politakis on 12/6 | RECENT: Nick Politakis on 12/9/2024 at 9:54 PM
HD readers - āa cut aboveā as Jersey Mike the new billionaire says
19 replies
AUTHOR: R Quinn on 12/8/2024
FIRST: Scott Dichter on 12/8 | RECENT: R Quinn on 12/9/2024 at 2:04 PM
Quinnās quest for a comfortable retirement.
62 replies
AUTHOR: R Quinn on 12/1/2024
FIRST: MarkP on 12/1 | RECENT: R Quinn on 12/8
Solving the health care (cost) problem - or maybe not. What RDQ knows
19 replies
AUTHOR: R Quinn on 12/5/2024
FIRST: baldscreen on 12/5 | RECENT: R Quinn on 12/7
Bashing the 401k scam - looking for a better idea
20 replies
AUTHOR: R Quinn on 11/26/2024
FIRST: DAN SMITH on 11/26 | RECENT: neyugn on 12/5
Letās talk turkey
18 replies
AUTHOR: R Quinn on 11/27/2024
FIRST: Jeff Bond on 11/27 | RECENT: Rick Connor on 11/29
Enjoy the moving walkway, embrace retirement, donāt look back RDQ
24 replies
AUTHOR: R Quinn on 11/11/2024
FIRST: Richard Gore on 11/11 | RECENT: David Lancaster on 11/25
There are a few topics that heat up discussions, Quinn says tipping is one of them.Ā
61 replies
AUTHOR: R Quinn on 11/21/2024
FIRST: baldscreen on 11/21 | RECENT: bbbobbins on 11/24
Letās think about this idea of a living wage. I say itās a red herring
17 replies
AUTHOR: R Quinn on 11/23/2024
FIRST: DAN SMITH on 11/23 | RECENT: stelea99 on 11/24
Quinn thinks āfreeā is a dirty word.Ā
54 replies
AUTHOR: R Quinn on 11/16/2024
FIRST: mytimetotravel on 11/16 | RECENT: Randy Dobkin on 11/22
Help family
8 replies
AUTHOR: R Quinn on 11/19/2024
FIRST: bbbobbins on 11/20 | RECENT: T. V. NARAYANAN on 11/21
A clear demonstration that not knowing what you are doing and taking risk may not always lead to financial disaster, but not recommended
27 replies
AUTHOR: R Quinn on 11/13/2024
FIRST: Scott Dichter on 11/13 | RECENT: Patrick Brennan on 11/16
Paradox of choice. What to do, what to do?
18 replies
AUTHOR: R Quinn on 11/5/2024
FIRST: Michael1 on 11/5 | RECENT: Randy Dobkin on 11/11
Is your net worth, worth it and whatās in it? RDQ
92 replies
AUTHOR: R Quinn on 10/28/2024
FIRST: Ormode on 10/28 | RECENT: Brian White on 11/11
The dilemma of fixing Social Security. Quinn has a few ideas focused on fairness for future and current retirees
32 replies
AUTHOR: R Quinn on 11/6/2024
FIRST: Scott Dichter on 11/6 | RECENT: stelea99 on 11/10
Is the (my) perception of early retirement all wrong? RDQ
24 replies
AUTHOR: R Quinn on 11/2/2024
FIRST: mytimetotravel on 11/2 | RECENT: R Quinn on 11/3
I thought I was being patriotic. Now Iām bonded to a bureaucracy
12 replies
AUTHOR: R Quinn on 10/26/2024
FIRST: Marjorie Kondrack on 10/26 | RECENT: Marjorie Kondrack on 10/27
Letās do the math on Social Security- my simplistic math not guaranteed and possibly flawed, but with a good end result for us - I hope. RDQ
34 replies
AUTHOR: R Quinn on 10/21/2024
FIRST: Jonathan Clements on 10/21 | RECENT: Mike Lynch on 10/25
Quinnās $14,000,000
7 replies
AUTHOR: R Quinn on 10/23/2024
FIRST: Marjorie Kondrack on 10/23 | RECENT: Mike Wyant on 10/24
Just do itā¼ļø by RDQ
7 replies
AUTHOR: R Quinn on 10/18/2024
FIRST: Dan Smith on 10/18 | RECENT: Randy Dobkin on 10/21
What is the most significant issue facing the American people?
31 replies
AUTHOR: R Quinn on 10/19/2024
FIRST: OldITGuy on 10/19 | RECENT: bbbobbins on 10/21
I have been challenged by Jonathan. Will he like my response? By RDQ
26 replies
AUTHOR: R Quinn on 10/16/2024
FIRST: Ben Rodriguez on 10/16 | RECENT: William Dorner on 10/19
Our annual give it away meeting
24 replies
AUTHOR: R Quinn on 10/4/2024
FIRST: Dan Smith on 10/4 | RECENT: Marjorie Kondrack on 10/17
The budget-less, automated financial life of two old retirees living paycheck to paycheck- sort of, okay, not really. By Quinn
49 replies
AUTHOR: R Quinn on 10/12/2024
FIRST: Nuke Ken on 10/12 | RECENT: Winston Smith on 10/15
In defense of billionaires
83 replies
AUTHOR: R Quinn on 9/24/2024
FIRST: David Lancaster on 9/24 | RECENT: R Quinn on 10/14
Quinn ponders the College Conundrum
17 replies
AUTHOR: R Quinn on 10/8/2024
FIRST: Dan Smith on 10/8 | RECENT: Richard Gore on 10/10
Hedging your bet in retirement-dealing with inflation. Whatās your strategy? R Quinn
68 replies
AUTHOR: R Quinn on 9/28/2024
FIRST: David Lancaster on 9/28 | RECENT: R Quinn on 10/7
Iām depressed, not very optimistic about retirement by R Quinn
54 replies
AUTHOR: R Quinn on 10/1/2024
FIRST: Dan Smith on 10/1 | RECENT: bbbobbins on 10/7
The retirement scam - please donāt call this a rant
7 replies
AUTHOR: R Quinn on 10/3/2024
FIRST: Jonathan Clements on 10/3 | RECENT: Linda Grady on 10/4
How did it all work for us? Why not now?
67 replies
AUTHOR: R Quinn on 9/25/2024
FIRST: Ben Rodriguez on 9/25 | RECENT: OldITGuy on 9/28
Quinn asks himself, Is delaying Social Security to age 70 the right decision?
78 replies
AUTHOR: R Quinn on 9/21/2024
FIRST: Linda Grady on 9/21 | RECENT: Mike Xavier on 9/24
Quinn ponders - Are you better off than you were four years ago?
63 replies
AUTHOR: R Quinn on 9/18/2024
FIRST: Nuke Ken on 9/18 | RECENT: Martin McCue on 9/21
We canāt control what others do and we canāt stop misfortune from striking. But we can control our own actions. Those who are financially prudent will most likely enjoy success, even if events donāt always go their way.
26 replies
AUTHOR: R Quinn on 9/13/2024
FIRST: Jonathan Clements on 9/13 | RECENT: Dan Smith on 9/16
Can your retirement survive a financial shock? It seems many canāt. Have you thought about it? Rdq
59 replies
AUTHOR: R Quinn on 9/9/2024
FIRST: bbbobbins on 9/9 | RECENT: R Quinn on 9/11
Quinn is considering buying a Bentley
30 replies
AUTHOR: R Quinn on 9/3/2024
FIRST: William Perry on 9/3 | RECENT: R Quinn on 9/9
Quinn ponders the minimum wage, a living wage and the possible consequences of changes for all
14 replies
AUTHOR: R Quinn on 9/6/2024
FIRST: Dan Smith on 9/6 | RECENT: corrupt on 9/8
Dart board investing. What, me worry?Ā I may not be a good example
10 replies
AUTHOR: R Quinn on 8/31/2024
FIRST: Michael1 on 8/31 | RECENT: R Quinn on 9/5
Jonathan is right, employers donāt care, but thatās not the real problem- itās people
14 replies
AUTHOR: R Quinn on 9/2/2024
FIRST: Dan Smith on 9/2 | RECENT: R Quinn on 9/3
Quinn ponders a taxing situation. Loopholes and such. Is there a better way?
25 replies
AUTHOR: R Quinn on 8/29/2024
FIRST: Dan Smith on 8/29 | RECENT: David Lancaster on 9/1
Is being frugal a way of life, a necessity, habit or fun?
38 replies
AUTHOR: R Quinn on 8/27/2024
FIRST: baldscreen on 8/27 | RECENT: Mark Eckman on 8/31
Travel is a valuable learning experience - our world is linked like never before, we need more understandingĀ
46 replies
AUTHOR: R Quinn on 8/15/2024
FIRST: luvtoride44afe9eb1e on 8/15 | RECENT: mytimetotravel on 8/24
Women and men are different. Quinnās in trouble again
51 replies
AUTHOR: R Quinn on 8/19/2024
FIRST: eludom on 8/19 | RECENT: Mark Eckman on 8/24
RDQ says ignore those big scary numbers
42 replies
AUTHOR: R Quinn on 8/21/2024
FIRST: Matt Morse on 8/21 | RECENT: Chris Roessler on 8/23
This deserves a rant. The United States approach to paying for healthcare is a joke.
52 replies
AUTHOR: R Quinn on 8/16/2024
FIRST: Dan Smith on 8/16 | RECENT: Kevin Madden on 8/19
Is a 401k plan better than a pension? For most workers, yes it is. Hereās why. RDQ
23 replies
AUTHOR: R Quinn on 8/12/2024
FIRST: Jeff Bond on 8/12 | RECENT: Mark Eckman on 8/17
Quinn is fascinated - and a bit frightened- by the misinformation, irresponsibility, envy, and selfishness expressed by many people - is it real?
34 replies
AUTHOR: R Quinn on 8/7/2024
FIRST: Dan Smith on 8/7 | RECENT: parkslope on 8/15
How have you financially protected a surviving spouse or dependent?
33 replies
AUTHOR: R Quinn on 8/8/2024
FIRST: Rick Connor on 8/8 | RECENT: OldITGuy on 8/10
Quinn has questions. To Roth or not and when?
20 replies
AUTHOR: R Quinn on 8/6/2024
FIRST: baldscreen on 8/6 | RECENT: Rick Connor on 8/7
To target or not to target? Can workers do better?
9 replies
AUTHOR: R Quinn on 8/4/2024
FIRST: Dan Smith on 8/4 | RECENT: Randy Dobkin on 8/5
Is paying income taxes on your Social Security benefit fair?Ā Ā
32 replies
AUTHOR: R Quinn on 8/2/2024
FIRST: Dan Smith on 8/2 | RECENT: R Quinn on 8/5
Income or spending
68 replies
AUTHOR: R Quinn on 7/31/2024
FIRST: Rick Connor on 7/31 | RECENT: Adam Starry on 8/4
Making the connection. Does anyone think about consequences of free stuff, of someone paying less or giving more to others? A Quinn mini rant.Ā
9 replies
AUTHOR: R Quinn on 8/3/2024
FIRST: Linda Grady on 8/4 | RECENT: R Quinn on 8/4
Who wants to be a millionaire?
20 replies
AUTHOR: R Quinn on 7/26/2024
FIRST: Nuke Ken on 7/26 | RECENT: Adam Starry on 8/4
You can accumulate wealth without ever being rich says Dick Quinn
13 replies
AUTHOR: R Quinn on 7/29/2024
FIRST: R Quinn on 7/30 | RECENT: parkslope on 8/3
Monday is a good day for a rant. Letās talk everything annoying. People, money, people
47 replies
AUTHOR: R Quinn on 6/24/2024
FIRST: Jonathan Clements on 6/24 | RECENT: Michael1 on 7/28
Nobody, wants to pay health care bills. Quinn knows why and so do you.
34 replies
AUTHOR: R Quinn on 7/25/2024
FIRST: mytimetotravel on 7/25 | RECENT: R Quinn on 7/28
Quinn relents. Apparently you can live on 66% of pre-retirement income.
123 replies
AUTHOR: R Quinn on 7/13/2024
FIRST: baldscreen on 7/13 | RECENT: Cheryl Low on 7/27
Why do so many retirees struggle with inflation? Why is it unanticipated? Do you have a plan to deal with inflation in retirement?
36 replies
AUTHOR: R Quinn on 7/23/2024
FIRST: Jonathan Clements on 7/23 | RECENT: Michael1 on 7/26
Buying a house yesteryear and today - a long journey.
10 replies
AUTHOR: R Quinn on 7/22/2024
FIRST: Jack Hannam on 7/22 | RECENT: Jack Hannam on 7/23
Quinnās musings on Social Security and the preponderance of misinformation about the program.
19 replies
AUTHOR: R Quinn on 7/19/2024
FIRST: William Perry on 7/19 | RECENT: R Quinn on 7/22
Quinn asks how much better off were we in the good old days?
20 replies
AUTHOR: R Quinn on 7/12/2024
FIRST: Nuke Ken on 7/12 | RECENT: Mark Eckman on 7/20
Quinnās advice for creating stress and losing your money - just ignore stuff
11 replies
AUTHOR: R Quinn on 7/18/2024
FIRST: stelea99 on 7/18 | RECENT: R Quinn on 7/19
Who are them and they?
8 replies
AUTHOR: R Quinn on 7/16/2024
FIRST: Matt Morse on 7/16 | RECENT: Bob Harrison on 7/17
Clear evidence Americans spend too muchā¼ļø
10 replies
AUTHOR: R Quinn on 7/9/2024
FIRST: Matt Morse on 7/9 | RECENT: William Perry on 7/15
A challenge from RDQ. How do you define living comfortably in retirement, and is it enough?
19 replies
AUTHOR: R Quinn on 7/11/2024
FIRST: Jonathan Clements on 7/11 | RECENT: R Quinn on 7/13
Quinn survived with only seat-of-the-pants financial tools using arithmetic and no sheetsĀ
14 replies
AUTHOR: R Quinn on 7/8/2024
FIRST: baldscreen on 7/8 | RECENT: Nuke Ken on 7/10
We are off to the hospital for surgery today and dealing with the most inefficient health care system possible
28 replies
AUTHOR: R Quinn on 7/3/2024
FIRST: Jonathan Clements on 7/3 | RECENT: Jeff on 7/10
Dick Quinnās guaranteed route to becoming ārich.ā
11 replies
AUTHOR: R Quinn on 7/6/2024
FIRST: Christopher Matthews on 7/6 | RECENT: Adam Starry on 7/7
Quinn defends his retirement income replacement percentage. Itās a lonely place to be
6 replies
AUTHOR: R Quinn on 7/7/2024
FIRST: Jonathan Clements on 7/7 | RECENT: Adam Starry on 7/7
This time Quinnās ranting to get away. Make travel a budget priority.
13 replies
AUTHOR: R Quinn on 7/2/2024
FIRST: Jonathan Clements on 7/3 | RECENT: Boomerst3 on 7/6
Who is getting ripped off by CEO pay? Not RDQ
3 replies
AUTHOR: R Quinn on 7/4/2024
FIRST: Bruce Trimble on 7/5 | RECENT: R Quinn on 7/5
Quinns confused about the 4% rule
13 replies
AUTHOR: R Quinn on 7/1/2024
FIRST: Dan Smith on 7/1 | RECENT: Matt Morse on 7/2
Longevity is your greatest risk in retirement. Keep that in mind when you are thirty
4 replies
AUTHOR: R Quinn on 6/22/2024
FIRST: Jack Hannam on 6/26 | RECENT: Jack Hannam on 6/30
Paycheck to Paycheck?
4 replies
AUTHOR: R Quinn on 6/28/2024
FIRST: Jackie on 6/28 | RECENT: R Quinn on 6/29
Letās challenge the value of attending college
2 replies
AUTHOR: R Quinn on 6/29/2024
FIRST: stelea99 on 6/29 | RECENT: Jackie on 6/29
āFreeā you say. Iām thinking maybe thatās not accurate.
4 replies
AUTHOR: R Quinn on 6/27/2024
FIRST: Matt Morse on 6/27 | RECENT: Ed Haren on 6/27
How do you feel about accepting money, etc. from your children?
6 replies
AUTHOR: R Quinn on 6/26/2024
FIRST: baldscreen on 6/26 | RECENT: Edmund Marsh on 6/27
Is an automatic income stream in retirement unrealistic?
9 replies
AUTHOR: R Quinn on 6/25/2024
FIRST: baldscreen on 6/25 | RECENT: David Powell on 6/26
Tax them, but not me.
3 replies
AUTHOR: R Quinn on 6/21/2024
FIRST: DAN SMITH on 6/22 | RECENT: Randy Dobkin on 6/24
The longevity risk. Life is one long journey, not two
3 replies
AUTHOR: R Quinn on 6/23/2024
FIRST: kt2062 on 6/23 | RECENT: Amy Reed on 6/23
I donāt accept that 78% of Americans live paycheck to paycheck
6 replies
AUTHOR: R Quinn on 6/19/2024
FIRST: Jonathan Clements on 6/20 | RECENT: R Quinn on 6/22
Comments:
Iām about to give up. Social media is so filled with nonsense about denying claims it unbelievable.
Post: CLUES LEFT BY A KILLER ECHO WIDESPREAD ANGER AT HEALTH INSURERS
Link to comment from December 9, 2024
There is a federal law process for appeals and if it is employer coverage it is all outlined in the plan description.
Post: CLUES LEFT BY A KILLER ECHO WIDESPREAD ANGER AT HEALTH INSURERS
Link to comment from December 9, 2024
So, if there is an area of judgement like the length of post hospital non-custodial care or even define medical care versus custodial care like a nursing home, what do we do, always pay? maximizing profits is based on maximizing the number of insured and hoping you have a good risk pool thus attracting good low cost risks. Itās not based on denying a few large claims. The more insured the better you are. There is no percentage in denying valid claims, too many risks. consumers will always side with the provider regardless because nobody wants to have any third party interfere. In addition, we have lost the concept of insurance covering unforeseen significant risk in favor of covering everything 100%.
Post: HD readers – āa cut aboveā as Jersey Mike the new billionaire says
Link to comment from December 9, 2024
I have asked in a dozen physician offices (yeah I know weird), which insurance company is easiest to deal with. Answer was Medicare. Guess why? No questions asked, no claim review.
Post: CLUES LEFT BY A KILLER ECHO WIDESPREAD ANGER AT HEALTH INSURERS
Link to comment from December 9, 2024
This post was not about health care. However, is it your position that what you describe is routine, part of a business model, that insurers plan their income on denying claims? How many claims submitted went through on a routine basis?
Post: HD readers – āa cut aboveā as Jersey Mike the new billionaire says
Link to comment from December 9, 2024
No Medigap to cover the 20% Medicare coinsurance and Part A deductible?
Post: CLUES LEFT BY A KILLER ECHO WIDESPREAD ANGER AT HEALTH INSURERS
Link to comment from December 9, 2024
Nothing political about the post, just observations from dealing with people and their health benefits/care for nearly 50 years. Just the facts.
Post: CLUES LEFT BY A KILLER ECHO WIDESPREAD ANGER AT HEALTH INSURERS
Link to comment from December 9, 2024
Yes, 85% and if they fail for three years they are prevented from enrolling new members. https://bettermedicarealliance.org/wp-content/uploads/2020/06/BMA-MLR-Fact-Sheet.pdf
Post: CLUES LEFT BY A KILLER ECHO WIDESPREAD ANGER AT HEALTH INSURERS
Link to comment from December 8, 2024
Allstate for Peteās sake? They are not a major health insurer. Allstate Health Solutions is focused on providing supplemental and short-term coverage options to individuals and associations.
Post: HD readers – āa cut aboveā as Jersey Mike the new billionaire says
Link to comment from December 8, 2024
Typical response you received and based on a lack of knowledge or gained from fake or biased ānews.ā
Post: HD readers – āa cut aboveā as Jersey Mike the new billionaire says
Link to comment from December 8, 2024