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Re: Hawaii Visit (Maui). Need advice

If you do take a trip to Hana you'll enjoy some breath taking views along the way with waterfalls and rainbows through a beautiful rainforest. It's something I'm glad I didn't miss. When you get to Hana, go just a little further to the Seven Sacred Pools and take a dip just to say you did. :beer Fro...
by rixer
Mon Jan 26, 2015 11:42 am
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2202

Re: Anyone regret paying off mortgage early?

Really confused by people who think having no mortgage means no debt. So you don't have any more house insurance payments or property tax payments? As others have mentioned, property taxes/insurance are carrying or operational costs. Also, there is no interest inherent in those charges although in ...
by rixer
Mon Jan 26, 2015 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37129

Re: Anyone regret paying off mortgage early?

I paid my house off in 2007 and when the economy turned, work dropped off and we were able to skirt through the mess in good condition. We all need a home to live in and it's comforting knowing that even in a bad turndown, we could survive through it reasonably well. Since then the wife and I have r...
by rixer
Fri Jan 23, 2015 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 306
Views: 37129

Re: Medigap Plan G vs Plan F?

.... After those charges are reduced way down, the 20% left over is usually a very small amount. I had medical issues this past year and with Plan F-HD, my payments didn't even come close to hitting my deductible. Even if it were major, the out of pocket expense for the year would be close to the r...
by rixer
Thu Jan 22, 2015 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10086

Re: Medigap Plan G vs Plan F?

...... Why shouldn't I choose plan F, HD? Talk me out of it. The problem with taking High-deduct F (or any other Plan lesser than regular F) is that unless you live in NY state, or the handful of other places where everyone pays the same rate, if your health takes a turn for the worse and you want ...
by rixer
Thu Jan 22, 2015 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10086

Re: Engineered Hardwood

Bustoff wrote:Anyone know whats cheaper per square foot to have installed, Carpet or Laminate ?


carpet.
by rixer
Wed Jan 21, 2015 11:15 am
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 29
Views: 2858

Re: Medigap Plan G vs Plan F?

Stampchick, you're right, everybody's situation is different. I think you would qualify for free Medicaid with such a low income. That's what it's there for. Check into this, it may help. How to apply for Medicare Savings Programs If you answer yes to these 3 questions, call your State Medicaid Prog...
by rixer
Wed Jan 21, 2015 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10086

Re: Let's Celebrate! Which funds are you buying in 2015?

I'm newly retired and though a little nervous, I'm planning on making my last fund purchase ever. Lifestrategy Conservative Fund. I will only be making withdrawals in the future.
by rixer
Tue Jan 20, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3592

Re: What Movie Have You Recently Watched?

We rented "The Equalizer" from Redbox. It stars Denzel Washington as an ex agent trying to live a normal life in society. He works at a Home Improvement center like Home Depot. A prostitute he speaks with at a diner is beaten and left for dead by a mob boss and there's nobody to help her. ...
by rixer
Sun Jan 18, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 471
Views: 55116

Re: Medigap

I have Anthem BCBS, Hi-Deductible Plan F and it works out very well for us. It's much cheaper to purchase than a regular Plan F and the out of pocket expenses are capped so it's really not much difference in coverage if problems arise. Also if you pay in one annual payment, you get a 10% discount. I...
by rixer
Sun Jan 18, 2015 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap
Replies: 9
Views: 785

Re: retirement coming, health insurance?

The wife just retired and isn't yet eligible for medicare. She was able to get ins. through the AHA with subsidies. The Silver Plan seems to be best for the money.
by rixer
Sat Jan 10, 2015 9:12 am
 
Forum: Personal Consumer Issues
Topic: retirement coming, health insurance?
Replies: 26
Views: 2904

Re: Medicare & medigap before age 65

Jan, another thing to keep in mind is that if he pays the Anthem in full annually, he can also get a 10% discount.
by rixer
Sat Jan 10, 2015 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare & medigap before age 65
Replies: 13
Views: 1360

Re: Medicare & medigap before age 65

Ultimately what I'd like to do is shop for a better Medigap plan for him. I was able to find him a Rx drug plan that will cut his costs almost in half over the plan he had. That's when I decided a review of his current Plan F might be in order. I'm starting to get the feeling, though, that he actua...
by rixer
Fri Jan 09, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare & medigap before age 65
Replies: 13
Views: 1360

Re: First Social Security Check After Turning 70

I will turn 70 on June 21, 2014. Three months prior to that date, I will apply for my maximum Social Security benefit, to begin at 70. My benefit will be based upon my own work record. Will I receive my first check in July? Or in August? (i.e., must I wait one complete calendar month AFTER turning ...
by rixer
Sun Jan 04, 2015 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: First Social Security Check After Turning 70
Replies: 6
Views: 1415

Re: Health Insurance - Retiree questions

Is there anyway you can adjust your income lower to get a subsidy? Maybe not drawing as much from tax sheltered accounts that count as income and taking from taxable savings instead (not income).
by rixer
Tue Dec 30, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 16
Views: 2347

Re: How have elderly parents affected your retirement?

My first two years of retirement was spent being a 24/7 caregiver for my f/l. He was unable to care for himself so we took him in with us a year before I retired. I'm glad we were able to help him but it became more than we could do. His failing health along with dementia/alzheimers was difficult. H...
by rixer
Tue Dec 30, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How have elderly parents affected your retirement?
Replies: 13
Views: 1531

Re: Christmas day ACA health insurance stress

I also had huge problems signing up my wife for AHA. The online site froze up and wouldn't let me go any further. I made an appointment with an authorized AHA counselor and she couldn't get anywhere. Fortunately, she did have a contact with a free legal aid service in my area that is just for health...
by rixer
Fri Dec 26, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Christmas day ACA health insurance stress
Replies: 30
Views: 3210

Re: How much notice to give prior to Retirement ?

The wife is retiring Dec 31. Although she didn't have to, she gave them two months notice so she could get and train her replacement. Her boss has treated her well and she feels good about doing it this way.
by rixer
Wed Dec 24, 2014 1:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 4553

Re: Recommendations for Pellet Stove, 40,000 BTU Output

We've had a Lopi Pioneer Bay insert for about 12 years now. It has an igniter and works well for us. This is the smaller insert from Lopi and it only has about 30,000 btu's but they make a bigger one that will fit your needs. At any rate, I don't have experience with other brands or models but am ha...
by rixer
Tue Dec 23, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for Pellet Stove, 40,000 BTU Output
Replies: 4
Views: 944

Re: Using balanced funds to avoid rebalancing

Schwab is coming out with the "SIP" Schwab Intelligent Portfolio. Apparently it's a robo advisor that uses low cost etf's, keeps in balance, performs tax harvesting and at no extra charge. This might be another good option.
by rixer
Sun Dec 21, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Using balanced funds to avoid rebalancing
Replies: 30
Views: 2513

Re: We made our own Will

I did a DIY will. I am 75, wife is 70. My wife does not have a will yet. All accounts have beneficiaries assigned. When I die everything including the house will go to my wife, when she dies everything will go to me. After we are both dead, everything goes to our son, otherwise to our grandson. I d...
by rixer
Sat Dec 20, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: We made our own Will
Replies: 52
Views: 3748

Re: Does a larger portfolio offer benefits when rebalancing?

One thing I don't understand. If you are retired and withdrawing money once a year for income, how do you know what to sell if you don't rebalance?
by rixer
Tue Dec 02, 2014 8:34 am
 
Forum: Investing - Theory, News & General
Topic: Does a larger portfolio offer benefits when rebalancing?
Replies: 12
Views: 1049

Re: Carrying alternatives for phone, credit cards, money

I use this hand crafted wallet sleeve and carry 4 cards. Driver's lic, bank card, visa card, amex/costco card.
http://www.saddlebackleather.com/walletsleeve

I have a money clip for any cash.
by rixer
Tue Nov 25, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 2595

Re: Vacuum cleaner recommendation?

The Bissle Cleanview sells for around $75 and will out suck a Dyson. We have one and it's worked fine for about 7 years.

You don't have to mortgage the farm to buy a vacuum cleaner.
by rixer
Tue Nov 25, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner recommendation?
Replies: 71
Views: 11545

Re: 23 year old... Can I afford a Rolex?

I bought my Rolex in Cabo for $25...
by rixer
Sun Nov 23, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 16541

Re: ACA subsidy question

Remember that in addition to premium subsidies that are reconciled at tax time, there also can be cost-sharing subsidies that are not reconciled. (explained at http://www.healthinsurance.org/obamacare/the-acas-cost-sharing-subsidies) Its probably not a good idea to deliberately misstate your income...
by rixer
Thu Nov 20, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 920

Re: ACA subsidy question

If you make too little money to qualify for a subsidy can you buy a policy through the ACA website anyway? Make more money and qualify for a subsidy by converting some money from traditional 401k/IRA to Roth. That is easy to do in reality but difficult for their website to understand apparently. Pl...
by rixer
Thu Nov 20, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 920

Re: ACA subsidy question

If you make too much money, you won't qualify for a subsidy and you'll pay the full price. If you make too little money, you will be not be offered a plan but you'll be directed to Medicaid . If you make more than what you estimated, you may owe them instead . If you buy a plan and you make less mon...
by rixer
Thu Nov 20, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 920

Re: Consider freezing your credit

The wife has her own credit as do I. Would we both have to freeze our credit separately or would freezing it cover both of us?
by rixer
Tue Nov 18, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5137

Re: Fixing Social Security Earnings Mistake Advice

Sounds like making an appointment with the local SS office is the way to go. Hopefully that means she can be in and out of there fairly quickly. Thanks for the responses! When making your appointment with Social Security, make it for first thing in the morning (9am). This way, there won't be a wait...
by rixer
Tue Nov 18, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Fixing Social Security Earnings Mistake Advice
Replies: 11
Views: 1837

Re: The 4-year mortgage payoff plan

If I were planning to pay off my mortgage in the next 4 years I'd do a no-cost refinance into an ARM that has a rate that varies every month. Even if interest rates skyrocket, well, you've only got 4 years of payments to make. You could get a rate under 1% like that. Sometimes the best laid plans c...
by rixer
Tue Nov 11, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 20065

Re: anyone successfully file restricted app for spousal onli

Apparently you can do it online as somebody here mentioned. When I called to ask, they told me that if I was filing for spousal, I had to come in to the office. The wife and I scheduled their first 9AM appointment and got right in without waiting more than 5 minutes. The wife was filing for early SS...
by rixer
Mon Nov 03, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: anyone successfully file restricted app for spousal online?
Replies: 12
Views: 1413

Re: New appliances - Stainless Steel or not?

We went with white for the fridge as stainless is always dirty looking.
by rixer
Wed Oct 29, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3828

Re: Medigap policy change. This seems like a no brainier.

Plan F Hi-D is a good choice. And if your health takes a turn for the worse, it will cover your expenses as well as reg plan F will or plan G as well. Add up your "out of pocket expenses" and you'll see Plan F Hi-D is about the same if used a lot and cheaper on those months you don't have ...
by rixer
Fri Oct 24, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap policy change. This seems like a no brainier.
Replies: 2
Views: 359

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 deductib...
by rixer
Tue Oct 21, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Medigap Plan F, Hi-D
Replies: 5
Views: 526

Re: Medigap Plan G vs Plan F?

I'm also shopping for medigap insurance as I'll turn 65 this summer. I hadn't thought about it so when my agent suggested plan F, HD I was a little hesitant. The more I think about it, the more interested I'm becoming. It covers all the expenses plan F does after 2100 deductable. In the meantime me...
by rixer
Fri Oct 17, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10086

Re: Cleaning Up Leaves

What I did was hire regular yard care. Leaf cleanup is just part of the service. Every Friday, they mow, edge, manicure shrubs, keep weeds out of the planters and pick up the leaves from the yard.

I'm really liking yard care now. :happy
by rixer
Thu Oct 09, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3570

Re: Critically Acclaimed Movies you did not like

The King's Speech
Silver Linings
Lord of the Rings
by rixer
Tue Oct 07, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 19451

Re: Medicare Advantage

The way I understand it, you can switch without underwriting within the first year. After that, you could be subject to underwriting if the provider wishes.
by rixer
Sat Oct 04, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage
Replies: 2
Views: 387

Re: Repair Van or buy new Van/SUV?

I would fix the Honda and keep it. You said it's working fine and this isn't more than a standard repair. You can have it fixed for about what one monthly payment would be on a new car. Besides, in order to sell a vehicle and get anything out of it, you'll likely have to fix it anyway.
by rixer
Fri Oct 03, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 1581

Re: New kitchen cabinets or new doors?

I have an older house also and we re-faced the kitchen cabinets for under $2,000. That was a few years ago so it would likely be a little more now. They placed new drawer faces on the drawers, new doors and veneered the cabinet face. To look at them, they looked new and we didn't spend a fortune on...
by rixer
Tue Sep 30, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 2092

Re: New kitchen cabinets or new doors?

I have an older house also and we re-faced the kitchen cabinets for under $2,000. That was a few years ago so it would likely be a little more now. They placed new drawer faces on the drawers, new doors and veneered the cabinet face. To look at them, they looked new and we didn't spend a fortune on ...
by rixer
Tue Sep 30, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 2092

Re: Paid off mortgage today

Congratulations!
by rixer
Sat Sep 27, 2014 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 26
Views: 3282

Re: Treadmills [vs. Ellipticals]

You can also join Crunch Gym for $9.99 a month and use all of their equipment and they maintain it.
by rixer
Sat Sep 27, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 55
Views: 4111

Re: Question about medicare, myself, and spouse

I would probably take the medicare for you and see about Affordable Healthcare for the wife and kid.
by rixer
Fri Sep 26, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Question about medicare, myself, and spouse
Replies: 9
Views: 861

Re: Who holds your Solo 401k?

Schwab
by rixer
Wed Sep 24, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 2565

Re: Barron's article: Don't Panic! (retirement news & theory

I consider myself very fortunate.

I like welfare cheese. :sharebeer
by rixer
Mon Sep 22, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3899

Re: Signing up for medicare Oct 1

They are all required by medicare to provide the same benefits I believe. I would pick the cheapest one.
by rixer
Fri Sep 19, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 3118

Re: Part D Sticker Shock

Do you have the Humana Walmart RX Plan available? At medicare.com it shows it's $12.60 mth but that is for the rest of the year. It isn't clear to me what it will be in 2015.
by rixer
Fri Sep 19, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2426

Re: Should I buy another fridge or freezer? Or neither?

I would get the freezer and as luck would have it, Costco sells them also. :happy
by rixer
Fri Sep 19, 2014 9:29 am
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1080
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