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Re: Traditional Medicare vs Medicare Advantage

When I got cancer 20 years ago I wanted to go to M.D. Anderson Cancer Center in Houston, Texas. Thank goodness I had Original Medicare and a Med-gap plan so I could go anywhere of my choosing. The advantage plans would not cover M.D. Anderson. My case was very serious and went to M.D. Anderson for ...
by 1530jesup
Mon Oct 27, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Traditional Medicare vs Medicare Advantage
Replies: 28
Views: 1501

Re: Slick Airline Ticket Phishing Scam

dolphinsaremammals wrote:Do we really need every phishing email posted in bogleheads with a warning?

take a survey?
by 1530jesup
Tue Oct 21, 2014 10:25 pm
 
Forum: Forum Issues and Administration
Topic: Standard Phishing/Scam Threads are now Off-Topic
Replies: 2
Views: 345

Re: "You're invited to...." (nonsense talk and dinner)

In South Florida we get these invites weekly. Usually, the it is for a 4 p.m. "dinner" and presentation at various mid and nearly high tier eateries. Never went but friends and neighbors say they sat with a salesperson at each table who worked the most likely targets relentlessly. We also ...
by 1530jesup
Tue Oct 21, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 68
Views: 4181

Re: Slick Airline Ticket Phishing Scam

Got a FedEx email today. Previously it was an EZ Pass alert that almost shot me down I have never known UPS or FedEx to fail to leave a delivery notice when no one is home Interesting that they give me the option to pick up the package at the office of my choice - they must have salted area offices ...
by 1530jesup
Tue Oct 21, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Slick Airline Ticket Phishing Scam
Replies: 14
Views: 1656

Re: Medicare Part D (Prescriptions), changing plans

I will be looking shortly. My mail order provider Optum Rx for AARP Medicare Rx has been what I would rate as an unacceptable service provider. On the other hand AARP United Health Medical Supplement has been flawless. I have the same plans and agree RX Part D has been, for me, kind of shaky with t...
by 1530jesup
Sat Oct 04, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1743

Re: Medicare Part D (Prescriptions), changing plans

This morning's NYTimes had an article and changing Medicare plans, "Beware of shifting options within medicare plans". The URL is below http://www.nytimes.com/2014/10/04/your-money/beware-of-shifting-options-within-medicare-plans.html the article really does not offer any additional advic...
by 1530jesup
Sat Oct 04, 2014 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 36
Views: 1743

Re: Any Palm Beach County or Treasure Coast Bogleheads?

Boynton Beach here, had to miss the Boca meeting which was about 20-30 minutes from me
Boca or further north in Palm Beach okay for me; snow birds acceptable...
by 1530jesup
Fri Oct 03, 2014 5:06 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Any Palm Beach County or Treasure Coast Bogleheads?
Replies: 2
Views: 386

Re: [phishing with fake] EZ-Pass [e-mail]

I am the original poster, you may be interested in that I have Windows Defender and Malwarebytes and they preformed perfectly in shutting down the attack that I invited onto my machine. Not to get too complacent, I am reasonably aware of the attacks out there yet every once in a while something can ...
by 1530jesup
Sun Sep 28, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1520

Re: EZ-Pass scam?

Do NOT click on these malware/scam emails. Besides downloading a virus, many of these sites track the email addresses, so you go from a random list of e-mail addresses to spam to a more selective list of e-mail addresses where a recipient is a person is foolish enough to click on links. Don't be su...
by 1530jesup
Fri Sep 26, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1520

Re: What is your best estimate of the SWR (Safe Withdrawal R

Agree with Taylor "We simply withdrew what we needed and kept an eye on our portfolio balance. Most years our balance went up and we spent the money on vacations, luxuries and charity. When our balance went down we tightened our belt and economized. This is what most people do and it works.&qu...
by 1530jesup
Fri Sep 26, 2014 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 4021

Re: EZ-Pass scam?

Probably this scam: http://www.consumerreports.org/cro/news/2014/08/is-ez-pass-contacting-you-it-may-be-a-scam/index.htm Yep that was the one except that I did not see a state ID. My guard was down because I knew we were almost at zero (waiting for Florida to join the EZ-Pass club) It seemed that b...
by 1530jesup
Fri Sep 26, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1520

Re: What is your best estimate of the SWR (Safe Withdrawal R

Agree with Taylor "We simply withdrew what we needed and kept an eye on our portfolio balance. Most years our balance went up and we spent the money on vacations, luxuries and charity. When our balance went down we tightened our belt and economized. This is what most people do and it works.&quo...
by 1530jesup
Fri Sep 26, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 4021

[phishing with fake] EZ-Pass [e-mail]

Received an email from “EZ-Pass” – at least it was a good imitation of EZ-Pass Told me I needed to check my account because of a negative balance. Because I have an account with like $3 in it that I never updated, I stupidly clicked on the 'Download Statement' link and just (I hope) avoided download...
by 1530jesup
Fri Sep 26, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: [phishing with fake] EZ-Pass [e-mail]
Replies: 15
Views: 1520

Re: What Book Are You Currently Reading? Part V

In the middle of Saul Bellow's "Adventures of Augie March"
Puts you deep into Chicago during the depression - vivid stuff
by 1530jesup
Sun Sep 21, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1199519

Re: I Tunes updates

Most likely was the iPad that got iTunes on your PC. I haven't fiddled with Quicktime on Windows 8.1 yet, but the last time I installed Quicktime on Win7, it kept pestering me to get iTunes too. So either one of them could be the source of the pestering. My experience is Apple will keep relentlessl...
by 1530jesup
Sat Sep 20, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: I Tunes updates
Replies: 5
Views: 583

Re: I Tunes updates

If you never went into Services after installing iTunes/Quicktime and disabled the Apple services, then some small component of iTunes is always running when your computer is on. Apple installs these services to "improve" the discovery of your iPod/iPhone when it's hooked up to USB on the...
by 1530jesup
Sat Sep 20, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: I Tunes updates
Replies: 5
Views: 583

I Tunes updates

I keep getting requests to update I Tunes for my windows PC 8.1
I do not access I Tunes for anything that I know of. Wondering if there are background processes (YouTube?) that might use I Tunes and I do need to update?
by 1530jesup
Sat Sep 20, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: I Tunes updates
Replies: 5
Views: 583

Re: Medicare Plan D Tail Of Whoa!

Have you checked prices at Costco or another relatively inexpensive pharmacy? Much comment here about Costco being reasonable and possibly less costly than your Part D provider at full price When I came close to the doughnut hole I found that my local pharmacy (yes they still exist) would be less e...
by 1530jesup
Fri Sep 19, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 2026

Re: Any success stories of ppl who never made >$50,000?

I think a definition of "success" is needed. Agree, just like defining what Enough is. The dear wife and I made fair enough dollars but never really big time bucks. In our 70's, We are barely at the million, still, we are living the good life and while we could always use more, we do have...
by 1530jesup
Wed Sep 17, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10217

Re: Hearing aids - for those that use them

I voted 'both ears work much better', yet, the comparison is to previous hearing loss AND lack of clarity. The aids help pump up the volume and definitely help in most circumstances except when I am hearing the conversations but not every word is clear. That could mean cross conversations in a resta...
by 1530jesup
Mon Sep 15, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1835

Re: Why do so many think their home is a foolproof investmen

The home I currently own and live in has a market rental value of approximately $2000/month. My PITI + HOA dues currently amount to about $1100/month. Although I am not arguing about the classification of it being an investment, seems like a no brainer for me to own vs rent. You aren't accounting f...
by 1530jesup
Sun Sep 14, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6560

Re: Costco vs Amazon?

One caution about Costco, whatever the item if you think you may get it - food, clothing, whatever - buy it. If you fail to buy it, get home and decide yes, I should get it, even money they may not have your size, brand, flavor, type, color. Ever Again... :oops: You can always return it no questions...
by 1530jesup
Sat Sep 13, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4814

Re: Costco vs Amazon?

Be cautious or outright avoid at costco: "fresh" berries (several times we have purchased blueberries and strawberries that have molded in a day or two; we simply don't buy fresh berries from costco now), some fresh veggies (bags of asparagus seem like a good deal, but they ended up being...
by 1530jesup
Thu Sep 11, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4814

Re: Good Modern Science Fiction

I second the vote for Charles Stross. He has a blog and some of his stuff is available for free, online . I also liked Arkady and Boris Strugatsky's Roadside Picnic (1971) and Tarkovsky's film version "Stalker"* By far my favorite author is Stanisław Lem, although some of his stuff is jus...
by 1530jesup
Thu Sep 11, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 131
Views: 5954

Re: Costco vs Amazon?

We get pretty much all groceries at Costco. +1 as well as much of our snacks and paper goods Costco has a great return policy - no questions asked - including opened food packages Amazon has a greater spread of products but here in Florida they have lost their no tax edge They both are go-to source...
by 1530jesup
Thu Sep 11, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4814

Re: Anyone moved from NY?

Bronx born lived in Westchester for most of our married life and now 10 years in South Florida The kids are spread out along with siblings so leaving was not hard to do Miss the bagels, pizza and Chinese food - close but not as good Biggest surprise was adding a whole new set of close friends Some o...
by 1530jesup
Wed Sep 10, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Anyone moved from NY?
Replies: 43
Views: 2980

Re: POLL: Has a financial firm made a mistake with your mone

The mistakes I have encountered do not fit into the poll categories. When I shifted my accounts to Vanguard I had assets left over at both what is now Morgan Stanly SmithBarney and UBS. Every quarter and annually I get the usual multiple page statement detailing the status of my investments: At Morg...
by 1530jesup
Mon Sep 08, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 2769

Re: What Do You Eat For Snacks?

Actually, a chocolate bar with almonds is an amazing snack. My current snack of choice is 100% chocolate, i.e., chocolate without any milk, sugar, or any other additives. Victoria Trader Joe's 72% cacao dark chocolate "Pound Plus" also comes with nuts for those who can not take their choc...
by 1530jesup
Sun Sep 07, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9129

Re: Good Modern Science Fiction

You might look into some of George R R Martins' other door stop books consisting of short stories along with TV & screen play scripts. I believe he did some Twilight Zone work and possibly Outer Limits. You can not go wrong with Phillip K Dick or the dozens of anthologies - pick a year, any &quo...
by 1530jesup
Sun Sep 07, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 131
Views: 5954

Re: Do you consider your emergency fund part of your portfol

Yes,It is a piece of the pie :happy +1. "Savings" is what it really is and certainly part of your portfolio +2 in retirement, consider my Intermediate Muni fund and then my I Bonds as both part of my assets/portfolio and as go to draw downs (Muni) for regular and (I Bonds) for emergency u...
by 1530jesup
Sun Sep 07, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3097

Re: Costco:is it worth it for just two people?

As for getting in and out, I find the free sample people stop work sometime between 5 and 6 pm. Once they have gone home, the seniors are generally not there either. So the evenings are quieter, although obviously there are fewer options for free samples! take offense to the seniors comment. some o...
by 1530jesup
Wed Sep 03, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12393

Re: Costco:is it worth it for just two people?

We use both Costco & BJ's and the value is there for just the two of us BJ's also accepts manufacturers coupons and we spend on average $200 per month between them on things like: yogurt, hummus, taboule, canned tuna & sardines, cheeses etc. Also add in the incidentals like snacks and stuff,...
by 1530jesup
Tue Sep 02, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12393

Re: New 2% cash back Mastercard from Citi

Chase recently switched my MasterCard accounts to Visa Wonder if MasterCard is getting aggressive and did a deal with Citi to recover card holders with a better deal? Meanwhile Chase's Ink (now Visa) gets most of my play because of a steady 3% on key spend like restaurants and gas instead of continu...
by 1530jesup
Fri Aug 29, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 237
Views: 28354

Re: Help please with revised plan for living in retirement

"But for both of us, it is a matter of wanting that choice for personal freedom while the energy and ability to enjoy the possibilities of each new morning are still here." Not recommending binge spending but many have put off their dreams for their "golden years" only to be con...
by 1530jesup
Mon Aug 25, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Help please with revised plan for living in retirement
Replies: 15
Views: 2867

Re: Robin Williams

Very sad. "Good morning Viet Nam". Great movie but the one thing that bugged me was that not much was made about the fact that the character he played, Adrian Cronauer, was based on an actual Army radio DJ. Though no doubt Robin went over the top to deliver such a great performance... Wil...
by 1530jesup
Tue Aug 12, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4772

Re: Telephone Calls! Help!

two areas really annoying Had a business line that was formerly owned by the world's champion deadbeat. Multiple credit bureaus, college loans, some seemingly threatening bodily harm. One saving grace was that the delinquent party had an offshore name that even the harassers could not pronounce. My ...
by 1530jesup
Fri Aug 08, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7617

Re: Telephone Calls! Help!

We have a different problem. A machine calls, when we answer, there is silence on the line for a short period of time, and then a mechanical voice says "Good Bye." This happens several times a day. I've tried being silent or talking like a recorded message. The same thing results. Do anyo...
by 1530jesup
Thu Aug 07, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7617

Re: Vanguard computer security

sites end up with quite easy questions for you to use to verify your information. (What city were you born in? What HS did you graduate from?) lost or forgotten, we will continue to have this issue with all e-commerce. One way to make the easy questions more secure is to complicate the answer. As i...
by 1530jesup
Thu Aug 07, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3835

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

⋅  The New York Times also published a Q&A with some tips on keeping your accounts secure. Hope this is helpful! Stay safe out there! From the above security tip link: "Regularly monitoring your financial records can help minimize the damage if someone gets your information. But ...
by 1530jesup
Wed Aug 06, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 8017

Re: Best Asparagus for Florida?

I hear you, but asparagus is a long term investment, as one wouldn't expect to get a full crop for 4 years. I'm also going to plant a fall garden. I'm thinking cauliflower, brussel sprouts, lettuce, pole beans, leeks and broccoli, maybe some carrots and pink onions. gatorman So you are a long-term ...
by 1530jesup
Tue Aug 05, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Best Asparagus for Florida?
Replies: 11
Views: 880

Re: average American eats out 203 times per year

I am guessing that number counts folks who do a Burger King or Starbucks or Taco Bell for breakfast or lunch. Not exactly what I would call eating out. When we both worked, eating out or bringing meals in was pretty much a daily occurrence. Now retired, we still do 3-4 meals a week. But, being gourm...
by 1530jesup
Tue Aug 05, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6789

Re: Is Medigap insurance really needed?

Finally, since we became Medicare eligible, the wife and I have not paid anything out of pocket other than drug co-pays and the odd procedure that was not Medicare approved. For this status, we pay something like $9,000 a year for A & B & D plus Medigap. And it is worth every penny. I hope ...
by 1530jesup
Mon Aug 04, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4553

Re: Is Medigap insurance really needed?

Not sure I understand your question, but if you're asking what happens after Medicare core benefits and part A are used up, my guess would be Medigap benefits would be used up too. But that's just a guess. Might be off track here but if there is no Medicare claim or benefits are used up, Medigap wi...
by 1530jesup
Sun Aug 03, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4553

Re: Is Medigap insurance really needed?

[quote='nisiprius']Let's say he's right and it's a waste of money. How much money are we talking about wasting? 13% of $200/month = $312/year. nisi, I think this is perhaps the first time I've ever disagreed with you, but the true waste includes not just the 13%/year paid out but the moral hazard-i...
by 1530jesup
Sat Aug 02, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4553

Re: Is Medigap insurance really needed?

You don't need it - until you do. You feeling lucky? :twisted: - Ron Agree; firstly like our investments, we do not know where our health will be tomorrow. Suddenly needing tests and specialists will push costs to unbelievable levels. The wife and I found out how fortunate we, two healthy people, w...
by 1530jesup
Sat Aug 02, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4553

Re: With Rates Likes These, Why Would Anyone Go for a Mortga

Is this legitimate? The rate seems lower than a traditional 15 or 30 year mortgage so question is why wouldn't everyone go for a HELOC instead of a traditional mortgage? we have had a similar deal from Citibank for several years which is now at 2.24 but our outstanding balance is low enough we can ...
by 1530jesup
Wed Jul 30, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: With Rates Likes These, Why Would Anyone Go for a Mortgage?
Replies: 12
Views: 2917

Re: Selling House - Do We Need a Listing Broker?

We are about to sell our house and plan on listing it ourselves, with an offer to pay 3% commission to buyer agents. The typical commission is 6% in this area, and our house should sell for around $350K, but I can't see how the listing broker provides $10K of value. It's easy enough to put a listin...
by 1530jesup
Sun Jul 27, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 2958

Re: POLL: My home is worth less/more in 2014 than in 2007?

voted don't know but really do know - kind of, just do not care gonna be the kids' problem but mainly because the ocean might be at the door step by then... live south Florida, bought in '04 as the costs were going up but still way below the peak possibly down as much as 20% but my outstanding loan ...
by 1530jesup
Sun Jul 27, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 94
Views: 6001

Re: Poll: Has your AA changed in the last 18 months

Now fully retired - for the final time - since January, I became more conservative and am dropping some of my slice and dice as I move towards what will be a four fund (plus I bonds) portfolio. Also moved the allocation from a slight Fixed tilt to 50/50
by 1530jesup
Sun Jul 27, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3795

Re: Memory foam mattresses - any insight?

arkerr123 wrote: If you have not owned a memory foam mattress, keep this in mind. They are hot. Yes, they can feel great to lay on for a few minutes in a store, but many people take them home and find them to be too hot to comfortably sleep on.

But Not Latex
by 1530jesup
Thu Jul 24, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 64
Views: 5627
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