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Re: Gift to Yourself

New pistol
by bluemarlin08
Mon Dec 15, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 34
Views: 3982

Re: Your Favorite Cookbook?

Our church cook book from 1973. Used many of those recipes when we owned a catering firm.
by bluemarlin08
Sun Dec 14, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 60
Views: 3767

Re: Tips for post shoulder surgery

Not looking for medical advice at all, and of course I will follow Physician advice. A friend suggested a special type of pillow helped them, looking for things that make life a little easier, I am right handed and it is my right shoulder.
by bluemarlin08
Thu Dec 04, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: Tips for post shoulder surgery
Replies: 9
Views: 685

Tips for post shoulder surgery

Having torn rotator surgery tomorrow. Any suggestions that made life easier during recovery?
by bluemarlin08
Thu Dec 04, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Tips for post shoulder surgery
Replies: 9
Views: 685

Re: My Health care monthly premiums doubled after ACA

The plan I purchased that became effective 1/1/14 cost $971 per month. The same plan increased 32% to $1280 effective 1/1/15. BC/BS of TN plan S16P. I do most of my health business in Tennessee and the new rates are shocking. Two things one can consider, go to a higher deductible, probably save 200...
by bluemarlin08
Sun Nov 23, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4131

Re: Life Insurance options

Some companies are more competitive with family history of cancer than others.
by bluemarlin08
Fri Nov 21, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance options
Replies: 7
Views: 958

Re: 20 Year Term Life Policies

Everycompany I know of, regardless of the fraud or lying, after 2 years it is irrelevant.
by bluemarlin08
Tue Nov 18, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 20 Year Term Life Policies
Replies: 14
Views: 1697

Re: 20 Year Term Life Policies

Our family has been in the insurance business for over 65 years and never heard of a company denying a claim with the exception of fraud or misrepresentation.
by bluemarlin08
Tue Nov 18, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: 20 Year Term Life Policies
Replies: 14
Views: 1697

Re: Advise Needed: Unique Situation At workplace

I determined 30 years ago that bosses weren't for me, never regretted.
by bluemarlin08
Sun Nov 16, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 3964

Re: Does anyone here make "fun" purchases.

Just bought a new 9mm carbine, sweet gun to shoot andwife likes it for low recoil. Being well armed may become very important.
by bluemarlin08
Sat Nov 15, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 8559

Re: Does anyone here make "fun" purchases.

I buy mtself gifts occasionally during the year, rarely spending over $500. I really enjoy buying guns and shooting.
by bluemarlin08
Fri Nov 14, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 8559

Re: Investing Advice on the Radio - Wish they would go away

What burns me up more than anything is some of the adds run on the radio regarding a "guaranteed" 6% return and no market risk. I station that did some advertising on ran these adds and I called the station manager and informed him regarding the very deceptive adds running. Money talks and...
by bluemarlin08
Thu Nov 13, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing Advice on the Radio - Wish they would go away
Replies: 22
Views: 2494

Re: ACA 2015 Policies Available

My charges for that visit was 97,000, 2 months later went back to the same ER with recurring Pneumonia, again too critical to transfer, again transferred to ICU, during testing discovered some artery blockage, ended up with one stent, that visit was around 125,000. Pneumonia nearly killed me. All cl...
by bluemarlin08
Tue Nov 11, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA 2015 Policies Available
Replies: 12
Views: 1488

Re: ACA 2015 Policies Available

Unfortunately, the closest hospital to me is out of network. Had to be taken to their ER with severe pneumonia. We told the staff that if I needed to be admitted I needed to be transferred to an in network facility. The doctors said I was to critical to be transferred and I would be covered. Transfe...
by bluemarlin08
Tue Nov 11, 2014 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA 2015 Policies Available
Replies: 12
Views: 1488

Re: "The dangers of long-term care insurance"

From an agents perspective, this recent financial announcement from the largest player in the industry is very disturbing. It seems their earnings projections, length of claims projections and lapse projections just might be too much to overcome without large rate increases. Rates are pricing many f...
by bluemarlin08
Mon Nov 10, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 132
Views: 13195

Re: Cobra - might you be an expert

COBRA is for groups with over 20 employees. Sign up for ACA but, make sure the company you choose covers your providers as in network. Blue Cross usually only covers providers in state as in network.
by bluemarlin08
Thu Nov 06, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Cobra - might you be an expert
Replies: 13
Views: 942

Re: Indexed Universal Life Insurance - Again ...

I would never recommend the product to my clients the way it is currently structured. I attended a meeting recently for agents by a large supplier of this product, same old same old.
by bluemarlin08
Thu Oct 30, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Indexed Universal Life Insurance - Again ...
Replies: 58
Views: 5242

Re: fleeced by an adviser, is there a recourse?

Unless you can prove he committed fraud, you would be much better of trying to forget this matter. I once had a situation I felt I was mislead, talked with an attorney, he said it was a slam dunk case, paid him a 3000 retainer, after one year of excuses he finally said we had no case. I did get some...
by bluemarlin08
Wed Oct 29, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 9332

Re: Life Insurance

Career agents with NYL, Guardian, Northwestern etc, must focus on whole life.
by bluemarlin08
Mon Oct 27, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 15
Views: 1041

Re: Life Insurance

NWML is rarely competitive with their term products unless you are a smoker.
by bluemarlin08
Mon Oct 27, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 15
Views: 1041

Re: Traditional Medicare vs Medicare Advantage

The network limitations drove me to regular Medicare. I weigh spending almost $300 per month for flexibility versus 0 for some Advantage plans. Wife has issues we may need to go to Mayo for help.
by bluemarlin08
Mon Oct 27, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Traditional Medicare vs Medicare Advantage
Replies: 30
Views: 2236

Re: Resident- Disability Insurance

Find a policy that will provide an own occupation to age 65 or 67. Buy as much as you can afford.
by bluemarlin08
Mon Oct 27, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Resident- Disability Insurance
Replies: 8
Views: 1080

Re: How to do taxes for sale of deceased father's stocks?

It might be an ESOP or just a employee option to buy stock. My wife worked for a company that had a stock purchase option that she could buy the stock at the lowest price in the prior year.
by bluemarlin08
Sun Oct 26, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to do taxes for sale of deceased father's stocks?
Replies: 18
Views: 1669

Re: How to do taxes for sale of deceased father's stocks?

I would think the ESOP required a beneficiary designation and would pass according to the designation and avoid probate. In addition, wouldn't distributions be treated taxwise similar to other retirement plans?
by bluemarlin08
Sun Oct 26, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to do taxes for sale of deceased father's stocks?
Replies: 18
Views: 1669

Re: Part B Excess Charge

Why did you rule out plan g?
by bluemarlin08
Fri Oct 24, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part B Excess Charge
Replies: 8
Views: 890

Re: Estate planning - big firm or solo practitioner?

I have been referring clients to estate attorneys for 34 years and they can be small medium or large firms. Ask other in similar situations, interview them. Some personalities clique better than others. Ask your CPA, they usually have good instincts.
by bluemarlin08
Fri Oct 24, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate planning - big firm or solo practitioner?
Replies: 22
Views: 2233

Re: Elder Law attorney (Trusts, Medicaid, nursing homes)

I suggest you consider emphatically telling your mom you don't need the money and she should keep all options open on how she uses her assets. Most time it is the kids pushing to have this done. She could afford Long Term Care Insurance.
by bluemarlin08
Fri Oct 24, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 2038

Re: Elder Law attorney (Trusts, Medicaid, nursing homes)

What if the nursing home you decide on does not have a medicaid bed available? Although most nursing home takes medicaid patients if beds availible. Had an aunt that had to got o a home many miles away because it was the only institute available? Is she in agreement that she wants to impoverish hers...
by bluemarlin08
Fri Oct 24, 2014 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 2038

Re: Older Women and Challenges of Wealth

I think the recommendation to switch some assets to an income stream is an excellent recommendation. Immediate annuities are all competitive priced and very low fees.
by bluemarlin08
Thu Oct 23, 2014 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Older Women and Challenges of Wealth
Replies: 3
Views: 933

Re: Long Term Care Insurance - Should I Keep?

A lot depends on the company underwriting the policy. If it is a Conseco/Penn Treaty or company no longer writing new business I might get out. IMO, a company like John Hancock and Genworth, and the premiums doesn't impact your standard of living, I would hold on, although you will have rate increas...
by bluemarlin08
Thu Oct 23, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance - Should I Keep?
Replies: 11
Views: 991

Re: Health Insurance - Retiree questions

EHealth does not show all plans. Hard to find, but try to find an independent agent that knows the market.
by bluemarlin08
Sun Oct 12, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 12
Views: 1597

Re: Aca insurance/medicaid

If you haven't considered the lack of quality doctors that take Medicaid, you should. IF, you find a doctor, the demand from other Medicaid patients are tremendous. Been there and done that and it ain't pretty.
by bluemarlin08
Sun Oct 12, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Aca insurance/medicaid
Replies: 13
Views: 1263

Re: Survivor Benefits When Buying Life Insurance

Do each of you have personal disability insurance?
by bluemarlin08
Sat Oct 11, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Survivor Benefits When Buying Life Insurance
Replies: 7
Views: 298

Re: Drop My $1m Life Insurance?

Unless you have someone that will be impacted negatively financially when you die, I would consider dropping the coverage. I saw your age is 60, I would drop and invest.
by bluemarlin08
Sat Oct 04, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Drop My $1m Life Insurance?
Replies: 13
Views: 1952

Re: Do we need Long Term Disability?

What is the name of the company Zander quoted, what is the benefit, what is the elimination period, how long is the benefit, what options are covered, does it cover mental and nervous disorders, what is the definition of total and partial disability, are rates guaranteed to never change? I would fin...
by bluemarlin08
Fri Oct 03, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we need Long Term Disability?
Replies: 9
Views: 608

Re: Assistance with Medicare costs for lowish income seniors

My wife and I are own some expensive medications and are choosing to go on medicare part 1,b,c, and d. Spent lots of time comparing costs for part d and decided on the overall plann and going to buy a 90 day supply, costs drop dramatically. We looked at medicare advantage and didn't like the narrow ...
by bluemarlin08
Wed Oct 01, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Assistance with Medicare costs for lowish income seniors
Replies: 13
Views: 1246

Re: See both financial advisor and elder law lawyer for Mom?

I can't imagine any sane person that would choose to go on Medicaid. Check with her current doctors and see which ones will accept Medicaid. I've seen it first hand and her options are limited, just read an article yesterday that showed how Medicaid patients were having to wait months for appointmen...
by bluemarlin08
Mon Sep 29, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: See both financial advisor and elder law lawyer for Mom?
Replies: 45
Views: 2613

Re: See both financial advisor and elder law lawyer for Mom?

Why does she want to voluntarily choose to go on Medicaid? Her choices for doctors under Medicaid are very limited and often with doctors that are undesirable.
by bluemarlin08
Mon Sep 29, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: See both financial advisor and elder law lawyer for Mom?
Replies: 45
Views: 2613

Re: Help with Disability Insurance

Are you usin independent disability specialist to help you? If not you should, also you don't have any quote from Guardian, one of the top disability carriers in the world. Your agent should explain the advantages and disadvantages of each policy.
by bluemarlin08
Sun Sep 28, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Disability Insurance
Replies: 6
Views: 602

Re: You may want to rethink the odds of ever needing LTCi

One of the big players in LTCi is putting more emphasis on their life/LTVI policies. It's very hard to predict lapse rates because there just are few policyholders just aren't lapsing. Couple that with low yields on reserves and rates have no where to go but up. I only sell LTC to people that contac...
by bluemarlin08
Fri Sep 26, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: You may want to rethink the odds of ever needing LTCi
Replies: 89
Views: 9443

Re: Fed: Do I need long term disability insurance?

I would consider buying a private disability policy with a lifetime own occupation definition. There are many reasons for this that have been discusssed many times on this forum. Find an independent disability agent to explain your options.
by bluemarlin08
Thu Sep 25, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fed: Do I need long term disability insurance?
Replies: 9
Views: 569

Re: Adj Complife (whole life ins) advice

Don't make another mistake by buying term from NWM unless you are a smoker and they do have the best rates for most ages. Otherwise, find an independent agent that can get you the rates based on your circumstances.
by bluemarlin08
Tue Sep 23, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adj Complife (whole life ins) advice
Replies: 10
Views: 652

Re: Adj Complife (whole life ins) advice

I believe this policy is a blend of term and whole life. The objective is to use the dividends to buy paid up additions and to reduce the term coverage. The problems are when dividends don't perform as projected. I would ask for an additional illustration lowering the dividend crediting rate by 100 ...
by bluemarlin08
Wed Sep 17, 2014 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Adj Complife (whole life ins) advice
Replies: 10
Views: 652

Re: Dave Ramsey: The Legacy Journey

One thing you can bet on, his sponsors paid Dave handsomely to sponsor the event.
by bluemarlin08
Tue Sep 16, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5859

Re: Pay more for term you can convert? Prudential vs. Banner

The only reason to ever convert is if you had an adverse health condition. In reality, fe healthy people keep their 30 year policy for 30 years. Who kows if Pru will even be offering conversions to policies currently available.
by bluemarlin08
Fri Aug 29, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay more for term you can convert? Prudential vs. Banner
Replies: 4
Views: 535

Re: My husband's " WILL", $ left for me to live on....

Who owns and is beneficiary of policy? How much are the premiums? Is it term?
by bluemarlin08
Thu Aug 28, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 18223

Re: How to find a lawyer for estate planning?

Send a PM to bsteiner on this site, I am confidant he could refer a competent lawyer
by bluemarlin08
Wed Aug 27, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a lawyer for estate planning?
Replies: 16
Views: 875

Re: Life insurance with Long term care rider

It is a freebie, the company priced as such.
by bluemarlin08
Wed Aug 27, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with Long term care rider
Replies: 34
Views: 2439

Re: Term to Perm Insurance

It really depends on the policy you can convert to and if your health is good, are their more competitive products available
by bluemarlin08
Wed Aug 27, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Term to Perm Insurance
Replies: 4
Views: 249

Re: Life insurance with Long term care rider

Personal experience shows you have a good chance of living past 85. If you are comfortable with your plan it's all good.
by bluemarlin08
Tue Aug 26, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with Long term care rider
Replies: 34
Views: 2439
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