Tell us about yourself:
I'm analytical and good at working with numbers. Since retiring in 2015, I've become more interested with healthy eating and increasing physical activities. Although I've been gardening for 26 years, I've increased my gardens from 200 sf to 250 sf and committed to walking at least 3 miles/day (weather permitting). I've also ventured into making wine which is healthy as well.
Area of knowledge and what I know well:
Employee Benefits including retirement plans (defined contribution and defined benefit), health insurance (self funded and insured), and financial funding both organizational and individual.
Certificates/Awards
Bachelor of Science - Business Administration
05/1974
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All Activity

@john258 I am not aware of any proposal that would require the SS Program to be reauthorized by Congress every 5 years. You may have misinterpreted Media articles written about Senator Scott's suggestion which by no means is a formal Republican Party...
Tonster521 08-16-2022 03:31 PM
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Reply
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Kudo
96
Views
@aruzinsky Another approach is to ladder short term Treasury notes over 1 to 3 years. The yield curve is flat or somewhat inverted which means short term rates (1 to 3 years are greater than longer term rates (5 years or more). Treasuries are guarant...
Tonster521 08-07-2022 12:37 PM
0
Replies
0
Kudos
257
Views
@aruzinsky I do not expect CD rates to catch up (match) current inflation. Generally speaking, CD rates correlate closer to Federal Funds rates rather than to inflation. The current Federal Funds rate is 2.25% to 2.5%. Brick and Mortar Banks generall...
Tonster521 08-07-2022 08:40 AM
1
Reply
1
Kudo
290
Views
@JeffB138886 First, all insurance benefit plans have costs. The question to be answered is what are the amounts you need to pay. Medicare Advantage  (Part C) monthly contributions will vary from plan to plan. Depending where you reside, those monthly...
Tonster521 07-29-2022 08:49 AM
0
Replies
0
Kudos
356
Views
@JeffB138886 It sounds like you may have a benefit from a 401 H Plan. Years ago when Defined Benefit Plans were more common, employers may provide certain medical related benefits via a Section 401 H Plan. Without getting too deep in the details whic...
Tonster521 07-28-2022 05:58 AM
1
Reply
0
Kudos
415
Views
@john258 I am not aware of any proposal that would require the SS Program to be reauthorized by Congress every 5 years. You may have misinterpreted Media articles written about Senator Scott's suggestion which by no means is a formal Republican Party...
Tonster521 08-16-2022 03:31 PM
1
Reply
1
Kudo
96
Views
@aruzinsky Another approach is to ladder short term Treasury notes over 1 to 3 years. The yield curve is flat or somewhat inverted which means short term rates (1 to 3 years are greater than longer term rates (5 years or more). Treasuries are guarant...
Tonster521 08-07-2022 12:37 PM
0
Replies
0
Kudos
257
Views
@aruzinsky I do not expect CD rates to catch up (match) current inflation. Generally speaking, CD rates correlate closer to Federal Funds rates rather than to inflation. The current Federal Funds rate is 2.25% to 2.5%. Brick and Mortar Banks generall...
Tonster521 08-07-2022 08:40 AM
1
Reply
1
Kudo
290
Views
@JeffB138886 First, all insurance benefit plans have costs. The question to be answered is what are the amounts you need to pay. Medicare Advantage  (Part C) monthly contributions will vary from plan to plan. Depending where you reside, those monthly...
Tonster521 07-29-2022 08:49 AM
0
Replies
0
Kudos
356
Views
@JeffB138886 It sounds like you may have a benefit from a 401 H Plan. Years ago when Defined Benefit Plans were more common, employers may provide certain medical related benefits via a Section 401 H Plan. Without getting too deep in the details whic...
Tonster521 07-28-2022 05:58 AM
1
Reply
0
Kudos
415
Views
@john258 I am not aware of any proposal that would require the SS Program to be reauthorized by Congress every 5 years. You may have misinterpreted Media articles written about Senator Scott's suggestion which by no means is a formal Republican Party...
Tonster521 08-16-2022 03:31 PM
1
Reply
1
Kudo
96
Views
@aruzinsky Another approach is to ladder short term Treasury notes over 1 to 3 years. The yield curve is flat or somewhat inverted which means short term rates (1 to 3 years are greater than longer term rates (5 years or more). Treasuries are guarant...
Tonster521 08-07-2022 12:37 PM
0
Replies
0
Kudos
257
Views
@aruzinsky I do not expect CD rates to catch up (match) current inflation. Generally speaking, CD rates correlate closer to Federal Funds rates rather than to inflation. The current Federal Funds rate is 2.25% to 2.5%. Brick and Mortar Banks generall...
Tonster521 08-07-2022 08:40 AM
1
Reply
1
Kudo
290
Views
@JeffB138886 First, all insurance benefit plans have costs. The question to be answered is what are the amounts you need to pay. Medicare Advantage  (Part C) monthly contributions will vary from plan to plan. Depending where you reside, those monthly...
Tonster521 07-29-2022 08:49 AM
0
Replies
0
Kudos
356
Views
@JeffB138886 It sounds like you may have a benefit from a 401 H Plan. Years ago when Defined Benefit Plans were more common, employers may provide certain medical related benefits via a Section 401 H Plan. Without getting too deep in the details whic...
Tonster521 07-28-2022 05:58 AM
1
Reply
0
Kudos
415
Views
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Date Registered ‎03-16-2016 04:09 PM
Last Visited ‎08-18-2022 03:31 PM
Total Messages Posted 221
Total Kudos Received 90
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