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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 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 58
Views: 7011

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 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 2983

Re: Critically Acclaimed Movies you did not like

The King's Speech
Silver Linings
Lord of the Rings
by rixer
Tue Oct 07, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 7995

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 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage
Replies: 2
Views: 261

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 8:35 am
 
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 1425

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 9:52 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 1823

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 9:34 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 1823

Re: Paid off mortgage today

Congratulations!
by rixer
Sun Sep 28, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 26
Views: 3170

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 9:03 am
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 54
Views: 3474

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 9:06 am
 
Forum: Personal Consumer Issues
Topic: Question about medicare, myself, and spouse
Replies: 9
Views: 785

Re: Who holds your Solo 401k?

Schwab
by rixer
Wed Sep 24, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who holds your Solo 401k?
Replies: 37
Views: 2236

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 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's article: Don't Panic! (retirement news & theory)
Replies: 28
Views: 3793

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 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2912

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 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Medicare] Part D Sticker Shock
Replies: 21
Views: 2275

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 10:29 am
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1053

Re: How to Contact IRS to suspend tax levy on paycheck

Years ago that happened to me. I went to the bank and found out the IRS locked my bank account. I didn't have a person to call so I just called IRS and they made an appt for me to come in and talk. I went down there, explained the situation and they released my bank account back to me and set up pay...
by rixer
Fri Sep 19, 2014 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Contact IRS to suspend tax levy on paycheck
Replies: 25
Views: 1831

Re: pet tags?

We got one for the dog at Petco ( pet store ). They have an automated machine that makes them right there. It engraves the info on a metal tag and you have several style choices. We were happy with it.
by rixer
Fri Sep 19, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: pet tags?
Replies: 8
Views: 664

Re: Retiree Poll: Do you own your primary residence?

We paid our home off about 7 years ago. At the time, it didn't really sink in, we were still saving everything we could and didn't have any more money available to spend. That has changed since retirement. Now that I don't have an income from work, without that house payment and being on Medicare, i...
by rixer
Sun Sep 14, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1624

Re: Why do so many think their home is a foolproof investmen

Wildebeest wrote:A home a foolproof investment?

The risk of owning a house, you can not afford, is a hole you may not be able to dig yourself out of as far as saving for retirement.



My advice would be to not buy a home you can't afford.
by rixer
Sat Sep 13, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6533

Re: Why do so many think their home is a foolproof investmen

Interesting replies so far. Let me add another thing most people overlook: Property Taxes. In my state, Texas, it averages around 3% annually of the value of the home! (at least in Dallas/Austin/Houston) Even if you predict your home will earn a 3% nominal return (not sure why just throwing that ou...
by rixer
Sat Sep 13, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6533

Re: Why do so many think their home is a foolproof investmen

Interesting replies so far. Let me add another thing most people overlook: Property Taxes. In my state, Texas, it averages around 3% annually of the value of the home! (at least in Dallas/Austin/Houston) Even if you predict your home will earn a 3% nominal return (not sure why just throwing that ou...
by rixer
Sat Sep 13, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6533

Re: Why do so many think their home is a foolproof investmen

Your home may not be a foolproof investment but it's a valuable asset to own once it's paid for. Especially when it's time to retire.
At any rate, timing is everything and many people have made fortunes in RE. I wouldn't want to 'not' own a home.
by rixer
Sat Sep 13, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 6533

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Hawaii, you pick the Island. It's clean, safe, can be cheap if you rent a VRBO or AirB&B, they speak English so no language barrier, there is plenty to do and there are people from all over the world to meet.
by rixer
Sat Sep 13, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5811

Re: Did Social Security make a mistake in calculating benefi

He should call Social Security by phone and ask them.
by rixer
Fri Sep 12, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Did Social Security make a mistake in calculating benefits?
Replies: 17
Views: 2246

Re: Costco vs Amazon?

Excluding price, some things are just packaged better at Costco. Such as hamburger, you can get it in a frozen package of separately wrapped individual 1lb chubs. Very handy. The frozen skinless chicken breasts are also sold in bags of individually wrapped breasts that make it easy store in the free...
by rixer
Thu Sep 11, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4767

Re: Suggestions for a Western States road trip?

You're planning a nice trip and there's a lot of good suggestions here. I once took a similar route and thinking I would drive into Yellowstone, see some sights, kick around the next day and be on my way. What happened was that I found Yellowstone so captivating, it took me about 4 days before I cou...
by rixer
Wed Sep 10, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for a Western States road trip?
Replies: 21
Views: 1944

Re: Besides pay and mobility, great job: What to do?

freddie wrote:It seems to me that she is rapidly approaching the point where she will not be able to be a lawyer (i.e. enough years out and no one will ever hire her) so if that is a goal in life, she better do it now rather than later.


I would agree with this.
by rixer
Wed Sep 10, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Besides pay and mobility, great job: What to do?
Replies: 11
Views: 1157

Re: Remove Cigarette Smoke Smell from House?

As to the ozone air cleaners, they may get rid of the smell, I can't speak to that, but they do not filter out the harmful particles from smoke. The particles are too small to be effectively removed by any air cleaner technology on the market, according to my pulmonologist. Ozone works not by filte...
by rixer
Tue Sep 09, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Remove Cigarette Smoke Smell from House?
Replies: 20
Views: 1450

Re: Remove Cigarette Smoke Smell from House?

You might check into renting a good ozone machine and run it before you move in.
by rixer
Mon Sep 08, 2014 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Remove Cigarette Smoke Smell from House?
Replies: 20
Views: 1450

Re: Need help arrive at monthly expenses after retirement

I've been using this, give it a look and see if it will work for you.

https://drive.google.com/previewtemplat ... ode=public
by rixer
Mon Sep 08, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help arrive at monthly expenses after retirement
Replies: 25
Views: 1655

Re: Suggestions for 10 days on Hawaiian Islands

Our favorite Island is Kauai because it's more lay-back. If you're going to the Islands for the first time with teenage kids, I'd recommend Maui. I'd stay there the whole ten days, there's plenty to see, do and explore. We prefer to just visit one Island when vacationing.
by rixer
Mon Sep 08, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 10 days on Hawaiian Islands
Replies: 24
Views: 1450

Re: Social Security Delayed Retirement Credits

Am I missing something? Someone pointed out in a PM that I missed the part that said; your delayed retirement credits for months from the month of attainment of full retirement age through the end of the year prior to the year of filing will be included in the computation of your initial benefit am...
by rixer
Sun Sep 07, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Delayed Retirement Credits
Replies: 43
Views: 3576

Re: If you had an extra $100,000

I would spend about 10k on some minor home improvement and place what I was able to in tax advantaged. The rest would be added to my AA in taxable.
by rixer
Sun Sep 07, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7412

Re: How do you keep your electricity bill low?

We live in Ca also. It gets hot during the day and it cools down about 30 degree;s or so at night. We have ceiling fans in every room, energy efficient windows and a whole house fan. Since CA is a dry climate, the whole house fan works great. We run the fan for about 30-45 minutes in the early morn...
by rixer
Thu Sep 04, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9395

Re: Hidden car key a thing of the past?

......
by rixer
Thu Sep 04, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Hidden car key a thing of the past?
Replies: 26
Views: 2622

Re: How do you keep your electricity bill low?

We live in Ca also. It gets hot during the day and it cools down about 30 degree;s or so at night. We have ceiling fans in every room, energy efficient windows and a whole house fan. Since CA is a dry climate, the whole house fan works great. We run the fan for about 30-45 minutes in the early morni...
by rixer
Thu Sep 04, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9395

Re: Nipomo/Pismo/Obispo: Where to stay?

I also prefer Morro Bay. We stayed at the Embarcadero Inn. You're right at the waterfront shops and you can enjoy the view of Morro rock from your balcony. I also like Cayucos which is just North of Morro Bay. We had an enjoyable stay at the Shoreline Inn. It's an easy drive to Hearst Castle from he...
by rixer
Wed Sep 03, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Nipomo/Pismo/Obispo: Where to stay?
Replies: 18
Views: 974

Re: Costco:is it worth it for just two people?

It doesn't always have to be one OR the other. Where we live, there is a Costco and a Walmart next door to each other. Our routine is to shop at Costco for the good stuff and then go next door to Walmart for the smaller sized items we need. As an example, things like a small container of cream chees...
by rixer
Tue Sep 02, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12319

Re: Costco:is it worth it for just two people?

It's just two of us also and we love Costco. The products they sell are almost always good quality items at decent prices. One thing I was surprised about was the quality of the meats they have. By far better than you find at your normal grocery market. I didn't expect to see such fine cuts of meat ...
by rixer
Sat Aug 30, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12319

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

The Avalon is a bit too big for city driving, I feel. Even the Camry isn't too fun to park in narrow parking spots. According to Edmunds: Camry; W - 71.7", L - 189.2" Accord; W - 72.8", L - 191.3" Mazda6; W - 72.4", L -191.5" Avalon; W - 72.2", L - 195.4" The...
by rixer
Thu Aug 28, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 54
Views: 5297

Re: Mortgages and financial freedom

I paid my house off by sending in extra each month until the mortgage was paid in full. It was important to me as I was self employed, had variable income and if anything happened to me, it could all come falling down. I always had to live under my means because we never knew if the next month would...
by rixer
Thu Aug 28, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 7076

Re: What are you up YTD?

I've gone from 40 to 45% equities this year. The fixed income is bond funds, cd's and mm.
YTD = 4.6%
by rixer
Wed Aug 27, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11772

Re: Schwab - now endorsing Index Funds

523HRR wrote:It's disappointing that Vanguard index funds are designated "transaction-fee" funds at Schwab, attaching a $76 fee for purchase.


You could buy the Vanguard etf version of the Vanguard Index fund at Schwab. It's about $8 for the transaction if I remember right.
by rixer
Tue Aug 26, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 2180

Re: "Don't Be Scared of Rising Interest Rates"

Does it make any sense for anyone to buy a bond fund right now for a taxable account???? That's a good question. To me, it seems to make sense to hold bond funds in taxable if you were using all of the interest as income in retirement. This goes against what I've been hearing but I'm not sure why.
by rixer
Sun Aug 24, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: "Don't Be Scared of Rising Interest Rates"
Replies: 4
Views: 1095

Re: Signing up for medicare Oct 1

If I sign up for medicare advantage I might not be able to change to plan F later. Wait, is that true? I signed up for MA planning to switch to Plan F after the first year without any underwriting. I believe you are only guaranteed the first year to switch without underwriting. After that, it's the...
by rixer
Sat Aug 23, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2912

Re: SS Benefit Amounts

I've noticed kind of the same thing with the figures on my SS estimator also. From age 66 to age 67 doesn't reflect an 8% increase in benefit. It's showing something like 2.5% increase. I called SS and the man said the figures on the site were wrong and the benefit would actually increase by the 8% ...
by rixer
Sat Aug 23, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefit Amounts
Replies: 6
Views: 1112

Re: Driving in Costa Rica

I would rather drive than take a tour bus again in Cost Rica. We stopped there on a cruise once and took a tour bus to go rafting on a river. We were going up a hill on a two lane road, I look over and we are in the oncoming lane passing a line of other buses and you couldn't see what traffic was go...
by rixer
Fri Aug 22, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Driving in Costa Rica
Replies: 23
Views: 1713

Re: Good place to buy eyeglasses without insurance?

We get our eye exams and eyeglasses at Costco. I'm very happy with their service and price. I also get good deals on Ray Ban sunglasses there.
by rixer
Fri Aug 22, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Good place to buy eyeglasses without insurance?
Replies: 39
Views: 2662

Re: Signing up for medicare Oct 1

I have Plan F Hi-Ded and so far it's worked out very well.
by rixer
Thu Aug 21, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2912
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