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Re: Hawaii Visit (Maui). Need advice

We extended our business meeting a few years ago and rented a house in Hana, very cool place. Loved the seven pools.
by bluemarlin08
Mon Jan 26, 2015 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 29
Views: 2004

Re: Is my term life policy quote too high?

Not a good rate. Some companies won't penalize for cancer family history. Find a new agent.
by bluemarlin08
Sat Jan 24, 2015 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my term life policy quote too high?
Replies: 39
Views: 2373

Re: Cosign or write loan

From experience I would never recommend loaning the money, having a lender relationship with children can have a devastating impact on all involved. I would give the money or pass altogether. Help find a rental in a better area.
by bluemarlin08
Thu Jan 22, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cosign or write loan
Replies: 40
Views: 1464

Re: Term Life Insurance when single

No term insurance seems to be needed but make sure you have disability insurance.
by bluemarlin08
Tue Jan 20, 2015 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance when single
Replies: 15
Views: 911

Re: Should I stop paying into my IUL policy?

You should have a good independent agent review this. I can tell you the IUL was a bad recommendation, way to many different variables. If one needs a long term death benefit it is hard to beat Guaranteed Universal Life.
by bluemarlin08
Sun Jan 18, 2015 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I stop paying into my IUL policy?
Replies: 7
Views: 598

Instant coffee

Best instant coffee when that is your only option?
by bluemarlin08
Thu Jan 15, 2015 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3335

Re: $10k deductible on health ins. should i file outpatient

CubedBee, assuming one is purchasing a HDHP, assume on carrier has 80% of business in the state, and another has one has 5%. Is it reasonable to assume the negotiated rates with providers for the large carrier are going to be less than the other. If the smaller carrier has similar networks and their...
by bluemarlin08
Thu Jan 15, 2015 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: $10k deductible on health ins. should i file outpatient
Replies: 29
Views: 2127

Re: Michael Kitces on long-term care insurance

Of course someone has to make a claim, companies don't pay life or health or any claim without notification.
by bluemarlin08
Wed Jan 07, 2015 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Michael Kitces on long-term care insurance
Replies: 17
Views: 2034

Re: Michael Kitces on long-term care insurance

If I were to purchase one, id be sure to make sure my family member were very aware of the policy and its details, otherwise there is little to no chance that the insurance company will pay when the time comes since you likely can't defend for yourself at that point. Its not like they will be looki...
by bluemarlin08
Wed Jan 07, 2015 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Michael Kitces on long-term care insurance
Replies: 17
Views: 2034

Games

Any recommendations for games for a couple? So tired of TV
by bluemarlin08
Tue Dec 30, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 4308

Re: Ski questions from a Southerner

Take the lessons, what you learn you can bring home and continue in NC at Sugar Mtn, much better place for beginners than Gatlinburg, have a blast.
by bluemarlin08
Sun Dec 21, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 4935

Re: Gift to Yourself

New pistol
by bluemarlin08
Mon Dec 15, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 37
Views: 5182

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: 68
Views: 5668

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: 705

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: 705

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: 5497

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: 994

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: 1954

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: 1954

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: 3989

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: 10742

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: 10742

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: 2547

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: 1618

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: 1618

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: 13549

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: 988

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: 5623

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: 9776

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: 1064

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: 1064

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: 2535

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: 9
Views: 1395

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: 1785

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: 1785

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: 934

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: 2317

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: 2131

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: 2131

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: 948

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: 1052

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: 16
Views: 2347

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: 1279

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: 307

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: 1964

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: 639

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: 1313

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: 2734

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: 2734

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: 617
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