Joe Kiefer

Comments

• I applaud the cost-effectiveness of the course's double-nine concept! ... One reason I stopped even my rare rounds decades ago was that I had spent too much time searching in vain for the balls I sprayed all over the hilly courses.

  Post: Subconscious Frugality

  Link to comment from August 3, 2026

• Technically, wouldn't it be the tenth hole at this course? :)

  Post: Subconscious Frugality

  Link to comment from July 31, 2026

• Thanks. That jibes with what I read elsewhere, but more explicitly.

  Post: HSA Tips

  Link to comment from March 5, 2026

• My plan is self-only, so the $8,500 limit would apply if my having a bronze plan doesn't take precedence.

  Post: HSA Tips

  Link to comment from March 3, 2026

• I have had a Health Savings Account since I enrolled in Affordable Care Act (Obamacare) health insurance in 2021. The original post cites an $8,500 limit on a plan's out-of-pocket maximum for it to be HSA-eligible in 2026. That was news to me. My new ACA plan for 2026 has an out-of-pocket maximum of $10,000, yet it is labeled on healthcare.gov as HSA-eligible. I assume -- and hope -- that what I see on third-party websites is true: the 2025 One Big Beautiful Bill Act's declaration that all ACA bronze plans are HSA-eligible in 2026 supersedes the $8,500 threshold. If not, I will regret having front-loaded my full-year HSA contribution in January.

  Post: HSA Tips

  Link to comment from March 2, 2026

• Jonathan wrote in July 2022 of being the victim of check-washing: https://humbledollar.com/2022/06/a-dirty-business/

  Post: The future of mail and how it affects finances

  Link to comment from January 3, 2026

• In today's Wall Street Journal, Jason Zweig has a (related?) take on changes in target-date funds, saying: "Leave it to Wall Street to take a cheap, simple, elegant idea and junk it up with fees, complexity and opacity. ... Many of these funds are getting cluttered with extra holdings. Things might get worse if so-called alternatives managers have their way and start stuffing illiquid, risky and often expensive private-markets assets into them."  https://www.wsj.com/finance/investing/do-you-really-know-whats-inside-your-401-k-c480ec9c?st=pda75i&reflink=desktopwebshare_permalink

  Post: The annuities are coming, the annuities are coming‼️

  Link to comment from December 5, 2025

• Morningstar gives an overview of continuing care retirement communities in this article published Tuesday, Aug. 5, 2025. I leave the task of assessing the accuracy and usefulness of the article to those of you who have experience with or at least more knowledge of CCRCs. Is a Continuing Care Retirement Community Right for You? | Morningstar

  Post: CCRC – continuing care retirement community

  Link to comment from August 6, 2025

• On a perhaps-related note, Morningstar's Christine Benz has another column out this week as part of her years-long examination of long-term care issues: The Hidden Crisis in Long-Term Care | Morningstar

  Post: Bankruptcies in continuing care

  Link to comment from July 11, 2025

• Here is a gift-article link (hoping it works for everyone; sometimes they do not.): https://wapo.st/463eDeC

  Post: Some people are never satisfied

  Link to comment from July 10, 2025