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Re: AARP Medigap Plan F -- your experience w. rate increases

Thanks for this discussion. My own experience with Medigap is that at age 65 I chose BCBS Plan F and paid (I believe) $155. At 66 my premium increased to $158. But this year when I turned 67, my premium jumped to $185. I immediately began looking at other insurers. I spoke with several people who ha...
by freddie2011
Thu Nov 07, 2013 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medigap Plan F. - Your experience w. rate increases?
Replies: 29
Views: 7217

Re: Buying a car outright smartest financially?

If you are determined to have this car, why not pay $10,000 cash on it and finance the rest (or some other combination). That way you will get to enjoy the car and still feel good about having a large cushion of cash in your accounts.
by freddie2011
Thu Jul 04, 2013 7:58 am
 
Forum: Personal Consumer Issues
Topic: Buying a car outright smartest financially?
Replies: 149
Views: 10319

Re: Buying New Glasses; Looking for Suggestions on What to B

I've worn progressives for about 13 years (I'm 66). About 5 years ago, I bought a very expensive pair with ultra-light frames which I hated. The prescription was perfect, but the glasses were so light that they were constantly riding up and down on my face and I was endlessly adjusting them. Then I ...
by freddie2011
Mon Jun 17, 2013 9:12 am
 
Forum: Personal Consumer Issues
Topic: Buying New Glasses; Looking for Suggestions on What to Buy
Replies: 20
Views: 3884

Re: Early retirement and planning for medical costs

My husband retired last year at age 63. We pay 37.5% of his health care premium -- $357 -- and his employer pays the rest. Additionally, he has $25 co-pays on doctor visits and a $3000 maximum out of pocket expense which we will easily reach due to several surgical procedures he is undergoing. The p...
by freddie2011
Wed Mar 27, 2013 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement and planning for medical costs
Replies: 19
Views: 2840

Re: Example of credit union dropping NCUA (federal) insuranc

[quote]Did you vote?[/quote]

No! No one ever gave us an opportunity to vote (small print somewhere probably signed over proxy when our credit union first started up about 25 years ago).
by freddie2011
Tue Mar 26, 2013 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Example of credit union dropping NCUA (federal) insurance
Replies: 15
Views: 1158

Re: Example of credit union dropping NCUA (federal) insuranc

Here's a link to information about the private insurance our credit union carries http://www.americanshare.com/Resources/Doc/Primary-Your%20Insured%20Funds-FormIF-1424P-April2012.pdf . In spite of how reassuring this sounds, as our CD's mature, I am moving each out of the credit union.
by freddie2011
Tue Mar 26, 2013 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Example of credit union dropping NCUA (federal) insurance
Replies: 15
Views: 1158

Re: Dentist Refuses Refund For Overcharges

Speak directly to the dentist. Perhaps he is unaware that his office clerk failed to file the paperwork which is why you now have this problem. I used to be shy about speaking directly to my doctor or dentist about money -- it seemed.....rude. But after having a couple of problems and speaking direc...
by freddie2011
Fri Feb 22, 2013 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dentist Refuses Refund For Overcharges
Replies: 53
Views: 5254

Re: What percentage do you keep in risk free assets ?

My husband just retired last year and by October, 2012, we had rolled over his 401k to an IRA. We have 100% of that money invested in a variety of bond funds. We still have another large chunk of money invested in CD's and IRA CD's with reasonably high returns (which are, unfortunately, all maturing...
by freddie2011
Sat Feb 16, 2013 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: What percentage do you keep in risk free assets ?
Replies: 46
Views: 2647

Re: How Will Retirement Affect Our FICO score?

[quote="burt"]Good topic, which I've been pondering for a while. I plan to put 50% down on a retirement home and mortgage the remainder. Sounds like I should be buying the retirement home a few months prior to leaving the workforce. Will that plan work ? burt[/quote] We actually planned to...
by freddie2011
Sat Feb 09, 2013 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Will Retirement Affect Our FICO score?
Replies: 34
Views: 1915

Re: Buying eyeglasses online?

I had a pair of very expensive progressives that I hated -- they were so lightweight that they did not stay in place and I was constantly reaching up to adjust them. I saw that Coastal had a free coupon which I used to order a simple single vision pair (after upgrading to a thin lens, they cost $48)...
by freddie2011
Sat Feb 09, 2013 8:14 am
 
Forum: Personal Consumer Issues
Topic: Buying eyeglasses online?
Replies: 39
Views: 5600

Re: How Will Retirement Affect Our FICO score?

Thanks so much for all of your responses. I appreciate being made aware of the difference between FICO scores and getting approved for a mortgage. I guess I focused on the FICO so much because the last time we applied for a mortgage, the lender made a huge deal about our great FICO score, so I thoug...
by freddie2011
Tue Feb 05, 2013 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Will Retirement Affect Our FICO score?
Replies: 34
Views: 1915

How Will Retirement Affect Our FICO score?

My husband retired last April at the age of 63. So far we have not yet filed for his SS, but I began taking my small benefit at age 62. He also receives a small pension. I haven't checked our FICO score since he retired -- it was over 800 before retirement, but now our income is only about a third o...
by freddie2011
Tue Feb 05, 2013 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: How Will Retirement Affect Our FICO score?
Replies: 34
Views: 1915

Re: Medicare supplemental insurance

Just before my husband retired, we received information on our company benefits at retirement and I was quite surprised to see that post 65 employees and spouses were only given one choice in medical supplemental plans -- a high deductible, $500,000 maximum lifetime plan from United Healthcare. This...
by freddie2011
Fri May 11, 2012 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 12
Views: 1132

Re: Toyota Highlander overkill for 2 people?

We are retired and bought a Highlander 2 years ago -- love it!! By removing the front wheels of our bikes, we can throw both bikes in the back of the SUV and still have room for a couple of overnight bags. The mileage is very good for a big vehicle, but of course still more expensive than a smaller ...
by freddie2011
Fri May 04, 2012 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Toyota Highlander overkill for 2 people?
Replies: 52
Views: 3686

Re: 1st Day of Retirement

My husband retired three weeks ago. I planned to do something wonderful and surprising for his first weekday of retirement -- something we would always remember. Well, we were both surprised. He had a post-op doctor appointment for the Thursday of that week, and the office called to ask if they coul...
by freddie2011
Wed Apr 25, 2012 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1st Day of Retirement
Replies: 44
Views: 3479

Re: Anybody figure out the "new mattress" game yet?

We bought a top-of-the-line Beautyrest pillowtop in 2001. It felt fabulous for about 6 years. Then we felt we needed a little more cushioning so I bought a pricey mattress pad. Wonderful! After a couple of more years we felt we needed more, so I bought a three-inch memory foam topper. So our "m...
by freddie2011
Tue Mar 06, 2012 9:04 am
 
Forum: Personal Consumer Issues
Topic: Anybody figure out the "new mattress" game yet?
Replies: 58
Views: 7109

Re: Long term care insurance

My husband and I bought policies from MetLife about 9 or 10 years ago. The combined cost is only $110/month, and it covers each of us for $100/day benefit up to $100,000/each. We have not increased the policies for inflation when offered. We just wanted a low-cost policy that would help with costs i...
by freddie2011
Tue Mar 06, 2012 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 90
Views: 3552

Re: Caremark & CVS - poor service

Oh no! My husband is retiring in a month and our new prescription provider is Caremark. I was so looking forward to getting away from Express Scripts which has been deteriorating in service for more than a year. I have no complaints about our local CVS which does a great job of filling our prescript...
by freddie2011
Mon Mar 05, 2012 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Caremark & CVS - poor service
Replies: 45
Views: 3105

Re: Withdrawals from Traditional IRA

Thank you very much.
by freddie2011
Fri Jan 27, 2012 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawals from Traditional IRA
Replies: 2
Views: 296

Withdrawals from Traditional IRA

Is there a limit to the number of times you can withdraw money from a Traditional IRA within a calendar year if you are over 59-1/2 years old? I ask because I was listening to a radio discussion recently about withdrawals and I could swear that the moderator said that you could make as many withdraw...
by freddie2011
Fri Jan 27, 2012 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawals from Traditional IRA
Replies: 2
Views: 296

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