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Re: Medigap Plan F, Hi-D

I have this plan with Anthem BC/BS in New Hampshire. Pleased with it, and have saved money (so far) as compared to Plan F. Charges are first sent to Medicare, then to Anthem where they just apply the amount that Medicare indicates is owed by the patient to their deductible. Once the plan's deductibl...
by Magruder
Tue Oct 21, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: Medigap Plan F, Hi-D
Replies: 5
Views: 467

Re: Sensible planning for MediGap choices given price disper

I remember being told many years ago that "Most insurance is sold, rather than bought." Given all the glossy mailings I have gotten from health care insurers, that could be a factor here!
by Magruder
Mon Aug 04, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Sensible planning for MediGap choices given price dispersion
Replies: 18
Views: 753

Re: How to track expenses to the penny?

Quicken here too, but only since 1/1/90 - it has actually become a perverted hobby! Drives me crazy that I have to categorize about $100 per year as "Unaccounted For!" That reminds me, I'll have to check for change under the sofa cushions again this year!
by Magruder
Tue Jul 22, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 2914

Re: Poll on Retiree's Health Insurance Plan

In addition to having Medicare, my ex-employer funds a Health Retirement Account (HRA) for me with $1600 tax-free per year and another $1600 for my spouse. I then choose a plan, Medicare Advantage or Medigap, from several offered thru a private exchange, chosen by the employer. The premiums are paid...
by Magruder
Wed Jun 11, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll on Retiree's Health Insurance Plan
Replies: 21
Views: 1426

Re: Best Large Purchase(s) Ever?

Other than homes, an airplane! Bought it, finished up my flying lessons in it, got my license in it, flew it for 4 years, got flying out of my system, and then sold it for a 50% premium four years later, altho the operating costs over the four year period ate up that "profit." Thus, learni...
by Magruder
Tue May 27, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Best Large Purchase(s) Ever?
Replies: 45
Views: 3307

Re: A Short Survey for Retirees

I occasionally find myself still at work and still stressed out in my dreams, or should I say, nightmares! It's a bummer!
by Magruder
Fri May 02, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 73
Views: 5472

Re: Quicken 2014 opinions wanted

Upgraded from Q2011. In spite of the dire warnings, I've had no issues or problems.
by Magruder
Fri Apr 18, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 2534

Re: Front License Plates for new Subaru

Was this not an American built car assembled in Indiana?
by Magruder
Wed Apr 09, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: Front License Plates for new Subaru
Replies: 8
Views: 942

Re: Propane and HOA Costs for Home

Propane and HOA's go together! Here in NH, our 225 home association negotiates a 12 month propane price every year. Have been paying $1.64 per gallon since last August, while local individuals have been paying over $3.00 per gallon. We also have negotiated very good rates for cable TV and internet; ...
by Magruder
Sun Apr 06, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Propane and HOA Costs for Home
Replies: 7
Views: 554

Re: Blog: Vanguard Personal Advisor Services

Surprised no one has chimed in with comments after "test flying" this new service. Anyone?
by Magruder
Tue Apr 01, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 35
Views: 8864

Re: Do you work part time in retirement?

I work part-time loading a lift and checking tickets at a ski area. Mostly weekends, when it is too crowded to enjoy skiing anyway. Earn ski privileges for me and the grand-kids as a bonus!
by Magruder
Mon Mar 24, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 4429

Re: RightSource--Mail Order Drugs

I feel your pain, but my experience so far with Humana & RightSource has been excellent. We switched to them this year under their $12.60 per month plan, submitted my wife's and my prescriptions for several generics by mail right after the first of the year, and they were shipped and received wi...
by Magruder
Mon Mar 10, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: RightSource--Mail Order Drugs
Replies: 10
Views: 917

Re: AMEX rewards on Kroger error

Not to hijack this thread, but I have a similar issue with Discover's Oct - Dec 5% cash back offer on all on-line purchases up to $1,500. Did not get 5% credit for four appliance purchases made at Home Depot and Lowes on line. Followed up with customer service after the Dec statement and again after...
by Magruder
Sun Mar 02, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: AMEX rewards on Kroger error
Replies: 15
Views: 1439

Re: VZW Customers Check Out New Plans

I looked at the Verizon site but it didn't offer me anything less. Can anybody advise me if I am missing something? I just have one phone - a Blackberry. I have unlimited voice and text and was able to get a plan with only 300 Meg of data per month. My data use is always about 25 or 30 meg as I onl...
by Magruder
Thu Feb 20, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: VZW Customers Check Out New Plans
Replies: 24
Views: 2679

Re: Smart Home Purchase?

In the limited time you plan to own the condo, an un-forseen assessment could show up!
by Magruder
Sat Feb 15, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smart Home Purchase?
Replies: 21
Views: 2425

Re: toaster oven

I got a free one for meeting a sales quota a few years ago; or maybe it was for opening a checking account!
by Magruder
Tue Jan 07, 2014 8:20 pm
 
Forum: Personal Consumer Issues
Topic: toaster oven
Replies: 7
Views: 636

Re: Lockheed Martin Retiree Medical Cost

I'm a retiree of yet another large company. Company recently dropped us from their employee health care programs, but gave us a cash subsidy (tax free) to buy health care through a private exchange known as Extend Health. Subsidy ranges up to $1,800 per person depending on age at retirement and year...
by Magruder
Fri Nov 22, 2013 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Lockheed Martin Retiree Medical Cost
Replies: 10
Views: 1573

Re: Amazon Sunday Delivery

mlipps; its Amazon's shipping company, UPS for the most part, that isn't delivering seven days a week. UPS delivers five days a week; and Saturday delivery consists of next day air packages only. (After working 10-14 hours per day for five days, my son appreciates Sat and Sun off!)
by Magruder
Tue Nov 12, 2013 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Sunday Delivery
Replies: 11
Views: 1106

Re: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan

We also have had no problems with Silverscript this past year. Got our renewal packages including notice of the $4 premium increase - they kindly indicated that we wouldn't have to lift a finger to continue with their plan for 2014. However, we have lifted a finger! We switched to Humana's Walmart p...
by Magruder
Wed Oct 30, 2013 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 5287

Re: Washing Clothes with Dishwashing Soap?

Don't forget, that laundry detergents contain a significant quantity of optical brightener, a synthetic dye that keeps your whites looking white! (Think the bright, fluorescent white you see on white clothes when you're hanging out in a club with so-called black lights!) This brightener replenishes ...
by Magruder
Wed Sep 18, 2013 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Washing Clothes with Dishwashing Soap?
Replies: 12
Views: 9797

Re: Extend Health [NOT a medical post!] [Medicare Exchange]

My company, a large Pharma company , also moved retirees to Extend Health's exchange last year. Given the subsidy we were given, it it a much better arrangement than the company plans we were able to choose from the year before, which were geared to active employees. I didn't feel that the Extend He...
by Magruder
Wed Sep 18, 2013 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extend Health [NOT a medical post!] [Medicare Exchange]
Replies: 12
Views: 1686

Re: Wife: Surprise, we now have a cat.

I finally figured out that a cat does not like a scratching post that is not stable. Linky No. 1 and Linky No. 2 both loved a scratching board I made with just a 3/4" x 8" wide board about 18" long. I covered it with a couple layers of upholstery fabric samples that I got at a local f...
by Magruder
Wed Sep 11, 2013 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Wife: Surprise, we now have a cat.
Replies: 89
Views: 8209

Re: 1987 stlye crash on the way?

As others have mentioned, they would merely rebalance. How quickly does a fund like Wellington or Wellesley Income rebalance in these situations>
by Magruder
Fri Aug 09, 2013 9:45 am
 
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 55
Views: 6047

Re: [Sad news - Pat Larimore]

Taylor,
I am so sorry to hear about your loss.
John
by Magruder
Thu Jul 18, 2013 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16334

Sell Wellesley shares quarterly or take dividends?

I take monthly withdrawals from Wellesley Income which I hold in my traditional IRA. These withdrawals are roughly equivalent to the dividends. Is there any advantage to taking the dividends as cash versus my periodic selling of shares?
by Magruder
Fri Jun 28, 2013 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell Wellesley shares quarterly or take dividends?
Replies: 2
Views: 626

Re: Installing lightning rods - who, how much?

Traveling around New England, I've seen many old farm houses with lightning rod systems. I never noticed very many systems installed on newer buildings. I think there must have been some very good lightning rod salesmen on commission that roamed all of New England in the late 1800's and early part o...
by Magruder
Wed Jun 19, 2013 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Installing lightning rods - who, how much?
Replies: 19
Views: 1341

Re: tax friendly states for retirees

Not a single mention of Tax-Free New Hampshire! No sales tax; no income tax. Hurry though, former Massachusetts residents are filling up our remaining space fast!
by Magruder
Mon May 13, 2013 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: tax friendly states for retirees
Replies: 96
Views: 7573

Re: When to drop term insurance

I'm thinking I should drop it, but maybe I should ask the kids if they'd like to roll the dice and pick up the premiums from here on out! After all, if I was to expire, the insurance proceeds would funnel into their inheritance. (I do realize this scenario is somewhat creepy!)
by Magruder
Thu Mar 21, 2013 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to drop term insurance
Replies: 21
Views: 1735

When to drop term insurance

When I retired at age 55, I elected to take the full monthly benefit of my corporate pension, as opposed to taking a reduced amount entitling my spouse to receive a pension after my demise. As an alternative, I purchased a 20 year, fixed premium $500,000 term life policy for a premium of just over $...
by Magruder
Thu Mar 21, 2013 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to drop term insurance
Replies: 21
Views: 1735

Re: What's your favorite frugal thing(s) to do?

Harvest cash back rewards from credit cards. Makes a great hobby!
by Magruder
Sat Feb 23, 2013 6:57 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 97340

Re: Peeking at investments...how often?

Every day with two mouse clicks in Quicken 2011.
by Magruder
Thu Feb 07, 2013 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3366

Re: Trouble with using Vanguard website

Not meaning to hijack this thread, but does anyone know how I can find my 529 accounts on the updated website?
by Magruder
Tue Jan 01, 2013 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trouble with using Vanguard website
Replies: 14
Views: 1478

Re: Tooth Crown

Just got a porcelain crown for $1,050 including the earlier diagnostic appointment. Made on the spot on a CEREC machine.
by Magruder
Mon Dec 24, 2012 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Tooth Crown
Replies: 48
Views: 2503

Re: Downsizing: Positives & Negatives

We downsized a few years ago from our custom built home on 5 acres. Moved back to our hometown in a resort area and a newer, smaller home that should be almost maintenance free. Kids took most of our excess stuff. With respect to the custom built home - "Never fall in love with anything that ca...
by Magruder
Mon Jun 11, 2012 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Downsizing: Positives & Negatives
Replies: 53
Views: 5306

Only thing I do inside my brick & mortar regional bank branch is cash a check once in a while and cash in my rolled coins a couple times a year. Free checking, free billpay, free foreign atm use and 1.55% interest as long as I do 15 electronic transactions per month. Northway Bank in New Hampshi...
by Magruder
Fri Sep 30, 2011 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you bank online
Replies: 60
Views: 4618

Congress could never agree to eliminate the penny. After all, producing, wrapping, bagging, shipping, and distributing billions of them, is another sacrosanct gov't jobs program! Another jobs program at the mint is the production of all those Presidential dollar coins that noboby wants. Now that it'...
by Magruder
Sun Aug 21, 2011 4:19 pm
 
Forum: Personal Consumer Issues
Topic: What would it take to make the penny disappear?
Replies: 86
Views: 6753

2000 sq ft home in NH's White Mountains

Propane - heat & hot water $170
Electric $100
Water Free munincipal water & sewer
by Magruder
Mon Apr 04, 2011 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Utility Bills
Replies: 104
Views: 13594

We lost our Siamese cat named Lincoln at age 23! He seemed to have a stroke or something similar one morning as evidenced by his eating with his front feet inside his food dish, and that made the decision to put him down easier; not easy, but easier. We always remember that he lived with us longer t...
by Magruder
Mon Mar 28, 2011 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Grieving [for pet] Poll
Replies: 92
Views: 10951

Bought a $99 ultra-thin Seiko in the late 1970's. Still going strong and classy looking as long as one doesn't look close enough to see the wear and tear!
by Magruder
Sun Mar 13, 2011 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Let's talk wristwatches
Replies: 131
Views: 16200

Tax Free NH; The Live Free or Die state! Our August unemployment rate is 5.7%; compare that to our neighboring states of Massachusetts and Maine.

So it's a little chilly in January!
by Magruder
Sat Oct 02, 2010 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Where do the Bogleheads live?
Replies: 87
Views: 10387

In general NH does have high property taxes. However, if you choose your town carefully, you can find a bargain. I live in a NH town that is home to a major ski resort. The town is property rich because of all the second homes and vacation condos that add value, but do not add any more kids to the s...
by Magruder
Sat Jan 30, 2010 5:01 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vermont
Replies: 12
Views: 5189

Most Visa and MasterCard Gold cards these days will automatically double the warranty period of items bought with that card - one exception being motor vehicles. Cheaper than an extended warranty! I've taken them up on this a couple times without any hassle!
by Magruder
Sat Jan 30, 2010 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extended service plans
Replies: 29
Views: 3048

Consider Vermont's neighbor; Tax Free New Hampshire!
by Magruder
Fri Jan 29, 2010 6:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Vermont
Replies: 12
Views: 5189

I have the CC WiFi internet radio from C Crane. I live in the White Mountains of NH, and it is virtually impossible to recieve AM stations over the air here. I use it in the bedroom to listen to late night and early morning talk shows, primarily on Boston stations. This radio utilizes Recieva for st...
by Magruder
Thu Sep 17, 2009 8:20 am
 
Forum: Personal Consumer Issues
Topic: Internet Radio
Replies: 35
Views: 6582

Tax Free New Hampshire!
by Magruder
Sat Aug 22, 2009 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Retirement location... the continuing saga
Replies: 17
Views: 3856

TaxAct

Just finished mine, Federal and State, using the free download from TaxAct. Had previously used TurboTax via Vanguard, but like TaxAct better.
by Magruder
Thu Feb 05, 2009 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to do my taxes myself!
Replies: 18
Views: 2641

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