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by 1530jesup
Sat May 23, 2015 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 58
Views: 3790

Re: Medicare supplemental insurance

Which raises the question, how do they know your are a Medicare patient? I go to a university hospital, so I'm not known personally and my long time doc left and I've ended up with a new young doc. I always thought the doc is an equal-opportunity care provider. You're on the appointment list and th...
by 1530jesup
Fri May 22, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 58
Views: 3790

Re: Medicare supplemental insurance

I still don't know how to get my blood panel annually unless I start going to a hematologist regularly. I haven't had a complete panel in the last several years and no cholesterol or glucose readings. I can't think of any way to get a complete annual exam back except start paying for it out-of-pock...
by 1530jesup
Fri May 22, 2015 8:36 am
Forum: Personal Finance (Not Investing)
Topic: The end of the nest egg
Replies: 28
Views: 5815

Re: The end of the nest egg

But what about when the timeframe of the simulation has passed. Panic? Has anyone here ever reached the end of their projection? How did it hit you? What have you done in reaction? Is there a chance when I reach the end of my 30 year projection - at, say, age 95 - I could be dead or totally oblivio...
by 1530jesup
Fri May 22, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 58
Views: 3790

Re: Medicare supplemental insurance

This might not seem like an investment question but if I make the wrong choice I could really pay a hefty sum in the end. Which medicare supplemental plan does anyone recommend and why? I was thinking plan F seemed the best but I don't really know. How is it working for those of you have retired. W...
by 1530jesup
Thu May 21, 2015 7:36 pm
Forum: Forum Issues and Administration
Topic: Forum operating really slowly.
Replies: 10
Views: 584

Re: Forum operating really slowly.

Peculiar_Investor wrote:I'm also seeing it. I've notified the site admins.

yes, on Firefox and even the NY Times loads much quicker
by 1530jesup
Wed May 20, 2015 9:33 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6602

Re: Aren't we overdoing electronic auto safety features?

What I expect will happen, and in 20 years not 10, is that it will become illegal to human pilot an automobile in certain places and times. Likely first California freeways. CA (southern and Bay Area) has an impossible, unsolvable traffic problem. Driverless cars will improve capacity and flow on t...
by 1530jesup
Wed May 20, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6602

Re: Aren't we overdoing electronic auto safety features?

I'm just glad we survived 10 years driving a 1970 VW Bus which had only sheet metal between the passengers and anything coming from the front. Now, old and wiser, I want and will pay for any and all safety features, with adaptive cruise control being high on the list for the next vehicle. the Dear ...
by 1530jesup
Tue May 19, 2015 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 3750

Re: MediCare and ? What are your out of pocket costs please.

Without getting into the disallowed discussion of particular medical issues, one (of many) things I am noticing in my Kaiser Medicare plan is that some specialists are now saying that I do not need to see them as often for routine followup/etc. as was the case where care/records/etc. were not as ce...
by 1530jesup
Sun May 17, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 3750

Re: MediCare and ? What are your out of pocket costs please.

Medicare Part A is free. Everyone without a very large or very small income pays $104.90 per month for Medicare Part B. That goes up a little most years. In addition, I have Medicare Advantage (aka Part C) for which I pay no premium ($0). My out of pocket costs (for co-pays) for 2014 were $100. For...
by 1530jesup
Sun May 17, 2015 7:11 am
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 3778

Re: Blues (music)

satellite radio has been playing B B King on their blues channel, may still be going today
by 1530jesup
Sat May 16, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 3778

Re: Blues (music)

Tavis Smiley ran a 2013 BB King interview on PBS last night with a second part still coming. In our area his show runs like 12-1 a.m. and I am not sure what days he is on. Here is a video http://www.huffingtonpost.com/tavis-smiley/tavis-smiley-bb-king-reme_b_7293928.html Just checked the website and...
by 1530jesup
Sat May 16, 2015 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Amount needed for medical expenses in retirement
Replies: 14
Views: 1779

Re: Amount needed for medical expenses in retirement

Have recently seen several excerpts touting that the average individual needs to have $364,000 set aside for medical expenses in retirement. This seemed way out of whack to me and was wondering if this was fear mongering, etc. With an individual having Medicare which covers 80% of medical and suppl...
by 1530jesup
Sat May 16, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 161
Views: 9833

Re: How much does social security factor into your retirement income?

Retired 11 years and SS is absolutely the most important component of my retirement income. yep, also 11 years into SS and we depend on the monthly infusion into our account for half of our budget spend. Extras and special needs come out of our asset buckets. Good thing we are not doing polls anymo...
by 1530jesup
Sat May 16, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: Consumer Complaint Issues
Replies: 5
Views: 620

Re: Consumer Complaint Issues

besides going through Google you can try Hoovers - http://www.hoovers.com/ - which is a business info site that may give non-subscribers basic corporate listings. There other search sites that I used in the past like Spoke, try entering "corporate exec search" into Google.
good luck
by 1530jesup
Thu May 14, 2015 7:14 am
Forum: Investing - Help with Personal Investments
Topic: How much in cash?
Replies: 35
Views: 2911

Re: How much in cash?

my emergency cash stash consists of 3 years worth of I Bonds, another year (at today's values) of Int Muni fund, cash value in an old, no, ancient Life Insurance policy (pays a better dividend than any CD) that adds another 3 years. All based on using with our current SS payments level
by 1530jesup
Wed May 13, 2015 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4098

Re: Credit Cards are Good

I thought we were not doing polling anymore
All that is missing is the final Yes or No count

Oh, credit cards work for me, most of the time I leave the house without cash -- that is one more Yes!
by 1530jesup
Tue May 12, 2015 8:20 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 26
Views: 2379

Re: Any Experiences Buying Mattress Online

About 90 days ago I purchased a latex mattress from http://www.spindlemattress.com and did some research on mattress underground.com The process of buying a mattress sucks. Very hard to compare apples to apples and even harder to determine if something will be comfortable. I decided that I wanted t...
by 1530jesup
Mon May 11, 2015 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5290

Re: Which Company Do You Have Auto Insurance With?

Dropped Liberty Mutual after many years when they cancelled (no claims, no hurricanes) my homeowners :annoyed Did they give any reason? Nope, they probably figured Florida was due for some damage after ten years of no hurricanes Nothing like an insurer taking to the hills when there may - eventuall...
by 1530jesup
Mon May 11, 2015 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 5290

Re: Which Company Do You Have Auto Insurance With?

AARP Hartford for auto. Selective Insurance for homeowners. Went with Hartford this time - it cycles between Geico, 21st Century, Liberty Mutual, or whomever is the least expensive at the time. It seems that loyalty or longevity does not make a difference as the rates change from year to year. Drop...
by 1530jesup
Thu May 07, 2015 2:11 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 202
Views: 9056

Re: Forum software upgrade bug reports and change requests

did anyone mention that we can no longer subscribe or unsubscribe a topic at the bottom of the thread?
unsubscribing can work when clicking on the email alert yet if there is a topic I want to follow, I need to submit a comment in order to get an alert
by 1530jesup
Wed May 06, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: What happens if you violate an HOA?
Replies: 35
Views: 3410

Re: What happens if you violate an HOA?

Not sure about the rest of the state but in South Florida it might by impossible to buy into a community that does not have an HOA. You want the amenities , you gotta live by the rules. And until the builder sells off the 75% or so homes, the HOA is builder controlled and possibly in a not too tigh...
by 1530jesup
Wed May 06, 2015 8:23 am
Forum: Personal Consumer Issues
Topic: What happens if you violate an HOA?
Replies: 35
Views: 3410

Re: What happens if you violate an HOA?

Not sure about the rest of the state but in South Florida it might by impossible to buy into a community that does not have an HOA. You want the amenities , you gotta live by the rules. And until the builder sells off the 75% or so homes, the HOA is builder controlled and possibly in a not too tigh...
by 1530jesup
Tue May 05, 2015 5:31 pm
Forum: Personal Consumer Issues
Topic: What happens if you violate an HOA?
Replies: 35
Views: 3410

Re: What happens if you violate an HOA?

I don't think I'd ever buy a house with an HOA. I don't want a governing group telling me what I can and can't do on my own property. No thanks. There are two kinds of people in the country, those who like HOAs and those who don't. I also am in the latter. How many articles does one have to read ab...
by 1530jesup
Mon May 04, 2015 8:04 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9197

Re: Will you buy self-driving car?

okay, I will buy a self driving car when they are available and affordable and have proven reliability
NOW, where is the "unsubscribe" tab when you really need it?
by 1530jesup
Mon May 04, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9197

Re: Will you buy self-driving car?

for the folks down my way, they will demand an array of I95 settings such as: press 1 for 10 miles below speed limit in left lane press 2 for travel at average traffic speed without changing lanes press 3 for aggressive lane changes to maintain set speed (speed setting optional) press 4 for minimum ...
by 1530jesup
Mon May 04, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9197

Re: Will you buy self-driving car?

I wouldn't mind having one but only if I could truly check out (i.e., go to sleep) and rely 100% on the car+software to get me where I'm going. There are tools on sale on line and supposedly from Amazon as well for less than $100 that can steal your remote key fob signal and steal your car. Picture...
by 1530jesup
Sun May 03, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9197

Re: Will you buy self-driving car?

Jack FFR1846 wrote:No, never, ever. Even if it's free and they pay me per mile, no. I love driving and won't have my fun taken away. I'm hoping the technology crashes and burns.

crash & burn, kind of brings up a painful image. of course, here in South Florida, we may wind up clogging up the canals...
by 1530jesup
Sun May 03, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9197

Re: Will you buy self-driving car?

nope, I would like to see such vehicles plainly marked so that I can avoid them
it scares me that they will be using public roads as a proving and development ground
by 1530jesup
Fri May 01, 2015 7:11 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4677

Re: Oh yuck, what just happened to the font?

yeah, all better, thanks

Edit 8.13 p.m. Oh, wait, brought the site up again and got the old format; refreshing cleans it up

Edit 8.15 p.m. all better again; gonna slowly back away from the computer and leave the light on all night to keep things calm...
by 1530jesup
Thu Apr 30, 2015 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Replace Debit/ATM Card?
Replies: 8
Views: 571

Re: Replace Debit/ATM Card?

Costco is dropping the Amexp card - not sure what will replace it or when the change occurs but guessing Visa or MasterCard will be accepted soon
by 1530jesup
Fri Apr 24, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12638

Re: Good Modern Science Fiction

This has got to stop. I am at an advanced age and already have tons of books bought through the years that I have yet to read (many are sci-fi, both novels and short stories). My book bucket also includes my fifth attempt to finish James Joyce's Ulysses. From this thread I have added enough to keep ...
by 1530jesup
Fri Apr 24, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2436

Re: Car Dealership Credit Report

I think sometimes dealers run credit checks on people who they suspect might not be able to qualify for a car loan. Why bother selling the car if the deal blows up at the end...that's their thinking. but the op said they were coming in with their own bank's financing so the dealer gets their money ...
by 1530jesup
Fri Apr 24, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2436

Re: Car Dealership Credit Report

last car I bought was seven years ago (does giving them a check count as paying cash?) and remember every dealer I spoke with asked for my driver's license. from that they run me through their credit information source and have my life history in 12 seconds including what I had for breakfast that da...
by 1530jesup
Thu Apr 23, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 11064

Re: How much do you pay in Property Taxes?

in the 1980s, modest home in Westchester County NY 3/4 acre of land & 4 bedrooms; started at $8K in taxes, built up to $12K, got it back down to near $8K on assessment challenge and was climbing close to $12 again when we finally sold. went into a 2500 sq ft townhouse in CT taxed at about $5K. n...
by 1530jesup
Wed Apr 22, 2015 7:50 pm
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 59
Views: 4862

Re: What rate of return do you use when planning for retirem

Crimsontide wrote:I'm using 2% real. Very conservative... I know.

I am in retirement mode and use two rates, 1.8% & 2.0% real, with different withdrawal scenarios. I am comfortable at the conservative level and welcome any uptick results in the next 25 years :greedy
by 1530jesup
Sun Apr 19, 2015 6:59 pm
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 3176

Re: noise-blocking headphones

the "joy" of hearing loss. I simply shut down my hearing aids. cost, about $1700 but worth it as they, when needed, also keep me in the conversation... I am also happy with Sennheiser headphone products
by 1530jesup
Sun Apr 19, 2015 1:35 pm
Forum: Personal Consumer Issues
Topic: Cleaning out large basement - cost to rent a dumpster?
Replies: 29
Views: 2100

Re: Cleaning out large basement - cost to rent a dumpster?

If you're in an area that gets a reasonable amount of street traffic, putting decent stuff at the sidewalk with a free sign on it will vanish some of it often within a day. My experience with freecycle is you are as likely to have someone keep an appointment to pick up free stuff as you are to wait...
by 1530jesup
Thu Apr 16, 2015 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Do you wish you retired earlier?
Replies: 28
Views: 3700

Re: Do you wish you retired earlier?

cheese_breath wrote:Retired at 56, but if I could have I would have.

same here except I did it - finally - at 75
by 1530jesup
Wed Apr 15, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Hardware Store Coupon
Replies: 7
Views: 1069

Re: Hardware Store Coupon

Used a coupon to make a purchase at Sports Authority. Returned the item then asked for and got back my 25% off coupon.
Happened more than once. I guess it depends on the retailer and you may need to press them - seems like a wrong way for a new owner or entity to build customer loyalty.
by 1530jesup
Tue Apr 14, 2015 10:02 am
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5818

Re: Vehicle for tall people/Spouse wants 50k car help!

2008 Maxima, under 45000 miles, 6'3" driver has plenty of headroom; best price gets it (will sell for less than 50K)
by 1530jesup
Tue Apr 14, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 6618

Re: Talking to People About Retirement

This response works as well: "I would be happy to look at your investments and finances anytime. Maybe you can retire now as well?" A nice offense/defense question would be, "why do you ask?" Or, a more pleasant "I reached my goals", then follow with "Why Do You A...
by 1530jesup
Mon Apr 13, 2015 9:01 pm
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 80
Views: 9913

Re: Neighbor hired a surveyor. Should I be nervous?

Bought a thirty YO home in NY state that was in an independent community - all individual builders and owners. Turns out the title search showed that an ancient fence was set 1-2 feet over the actual property line. It was never an issue (even forgot who had the advantage), we discussed this with our...
by 1530jesup
Fri Apr 10, 2015 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Can I still add to my Roth IRA for 2014?
Replies: 10
Views: 644

Re: Can I still add to my Roth IRA for 2014?

I have been told I can no longer contribute to my Roth for 2014. Did s/he explain WHY? Yes, you still can but I do not know the detail like your accountant to really say if s/he is incorrect. No, I did not ask for an explanation - that will be my next conversation with him. Used him for three years...
by 1530jesup
Fri Apr 10, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Can I still add to my Roth IRA for 2014?
Replies: 10
Views: 644

Re: Can I still add to my Roth IRA for 2014?

I guess there is still a chance that you have too much total income to contribute to a Roth IRA. If your adjusted gross income (line 37 of your 1040) is greater than $191,000(married) or $129,000(single) then your accountant would be correct about this. (At $181k or $114k the amount you can contrib...
by 1530jesup
Fri Apr 10, 2015 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Can I still add to my Roth IRA for 2014?
Replies: 10
Views: 644

Re: Can I still add to my Roth IRA for 2014?

OP, Depends on how large this 2014 "bit of income" you mentioned might be. You can't contribute any more than the smaller of either $5500 $6500 or your "taxable compensation" for that year. For what that is see http://www.irs.gov/publications/p590a/ch01.html#en_US_2014_publink10...
by 1530jesup
Thu Apr 09, 2015 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can I still add to my Roth IRA for 2014?
Replies: 10
Views: 644

Re: Can I still add to my Roth IRA for 2014?

Yes, you can contribute for 2014 until April 15th 2015. Also, you need a new accountant. "It is possible that the OP already contributed for 2014 the max allowed to a tIRA or a Roth IRA and the OP didn't tell us. So there is a remote possibility that the accountant is correct." Thanks, ye...
by 1530jesup
Thu Apr 09, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can I still add to my Roth IRA for 2014?
Replies: 10
Views: 644

Can I still add to my Roth IRA for 2014?

Not sure if my accountant is giving me correct advice. In 2014 did some consulting work that generated a bit of income and I have been told I can no longer contribute to my Roth for 2014. Since I intend to remain retired and not take any more income generating projects, 2014 should be the last year ...
by 1530jesup
Wed Apr 08, 2015 7:19 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12638

Re: Good Modern Science Fiction

Never where to go with the Philip K Dick oeuvre, but The Man in the High Castle (now a TV series, apparently) is pretty good. There is a pilot episode from Amazon. You can stream it for free, even without a Prime membership. It's been a long time since I read the book, but the adaptation seems fait...
by 1530jesup
Sun Apr 05, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2952

Re: Sunglasses $6 to $200

I went to the Bolles web site, and searched on where to get them, and SportsAuthority came up. SportsAuthority usually has discount coupons for 15 or 20% if you visit their web site and print out the discount coupon. I will check there. Just three miles from my house. SA coupons come with disclaime...
by 1530jesup
Sat Apr 04, 2015 7:35 pm
Forum: Personal Consumer Issues
Topic: Sunglasses $6 to $200
Replies: 30
Views: 2952

Re: Sunglasses $6 to $200

local Costco has clip ons in 4 different shapes. works fine with my prescription glasses all for $13 or $14.
also got a pair of 'fit overs' (foster grant?) at BJ's for about $18. used both for driving and tennis with good results - except at the net...

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