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Spoke with the Hawaii State Ass't Attorney General & he also suggested using my own state's notary and submitting the Hawaii affidavit to the insurance company.

-sam

Yes, that makes sense (just sending in an affidavit from my state & seeing what they do).

Or I might just send them the Hawaii affidavit and have it notarized by someone in my state and see how they respond.

Thanks.

-sam

It was the insurance company that informed me that they need the affidavit from Hawaii in order to release the money to me. To my knowledge, my mother's estate didn't need to go through probate since she had few assets. I might go ahead and send the insurance company a "Small Estate Affidavit&q...

Am trying to collect on my deceased mother's old annuity with an insurance company. She passed away several years ago in Hawaii & the insurance company tells me I need to complete & submit a "Small estate affidavit" from Hawaii. Problem is that the form requires a Hawaii notary pub...

I like Boost Mobile. Pay $10 every 90 days and it gets added on to my balance. Don't use my cell phone very often, but figure $3.33/month is worth having it. Love my Sanyo Mirro, but don't think it's available anymore.

Runs on Sprint network.


-sam

Local SHIP counselor told us in Medicare class that some medigap companies either won't accept you or allow you to "upgrade" your plan (ex. move from a N plan to a F plan) if you change your mind later. Think that refers to changes once your "Guaranteed Enrollment Period" is past...

Yes, I already considered that & it's the main reason I finally enrolled in Medicare. Penalty was getting too large for Part D.

-sam

Just signed up for Plan G for all the reasons you mentioned.
Went w/ cheapest company (in my state) for that Plan (GPM) which is administered by MofO. Don't know if
that's good or bad since this is my first year w/ them.



-sam

At 67, I voluntarily decided to sign up for Medicare & drop my employer's group HDHP plan even if I'm still working & not drawing on my social security yet. Social Security sent me my Medicare card which states Part A is retroactive to last June 2012. Since I've contributed to my HSA for 201...

Uncertain if a SHIP counselor could give you specific recommendations as to Medigap companies or brokers. You might need to contact companies directly or go the broker route. Lots of independent brokers are online. Unfortunately, I've noticed they each have their own biases as to which companies the...

After reading this discussion, I'm wondering how a company like USAA would rate since they deal direct with customers and don't work with brokers. Wouldn't they have lower costs since they save on broker fees? Most brokers appear to only cover the biggies ( AARP/United Health Care, Anthem, Aetna etc...

I've gotten good feedback from some generous folks here (Laura, Livesoft, Alec,etc.) & did start to implement changes when the Bear slowed me. Realize my fault is that I'm too fast getting into funds and too slow getting out. So here I am, sheepishly, still in too many funds. For someone with a ...

The future of long term care assistance (Medicaid) is uncertain, especially after the tsunami of baby boomers starts needing it. A single person right now would need to only have $2000 in assets (not counting home and auto) to qualify and Medicaid would only cover care in a facility. Who knows what ...

Has anyone taken out Home Care Insurance not part of a Long Term Care policy? I can't afford LTCi, but am told that a Home Care policy would be 1/2 the cost. The plan with Physician's Mutual sounds good and they are a highly rated company by Weiss & others. My understanding is that they will cov...

Mel-

Thanks, that clears it up for me. Since my sibling lived in another state, I better get a copy of her death certificate.

-sam

I was evacuated from my condo due to a fire several years ago. AMICA was great and they paid for me and my two cats to stay at a very expensive motel which was much more convenient and cat accommodating than cheaper places which accepted pets (pet=dog friendly). My cats would have hated the other pl...

My sibling past away recently and I'm wondering what's the simplest way to deal with the fact that she was a beneficiary on some of my I bonds. If I leave things alone, and I pass away would it automatically go to her heirs or to my estate? According to Treasury Direct, you can only change a benefic...

I'm pretty sure you can't make HSA contributions after age 65... It's not age, but whether you're enrolled in Medicare which disqualifies you : "As long as you have not enrolled in Medicare Part A or B you are an eligible individual and may contribute to your HSA. Once you enroll in Medicare y...

You're lucky to find a medi-gap plan that would take you. In the medicare class they warned us that it 's easier to switch from a medigap to an advantage plan, but going the other way might be impossible due to underwriting issues. I'm holding off another year before signing up with medicare so I ca...

AMICA is offering this with a company called Identity Theft 911. I haven't heard how much they are charging, but wondered if anyone has had experience with this company and if this type of insurance is worthwhile.

http://www.amica.com/products/idFraudExpense.html

Attended a "Medicare class" here in CO & was warned that if you get "seriously ill" - you could end up with horrendous co-pays. They mentioned something about patients having chemo being stuck with major (i.e. devastating) expenses. (Don't know if this would apply to Kaiser)....

My group HDHP is not a "credible plan" in terms of Part D, so there would be a penalty in delaying signing up for it. It's unclear if I delayed signing up for Part A & B whether it would trigger a Part B penalty later. I attended a Medicare info session today & was told the employe...

I'm turning 65 soon and am faced with either staying on my employer's High deductible Health plan & keep contributing to my HSA or signing up for Medicare. I plan to keep working a few more years and am in the 15%-25% tax bracket (depending on overtime). Am currently in decent health with no maj...

Yes, Dodge and Cox did have a distribution (.44)- so as of today's closing, it's up 27.3%. I took too long listing the updates for the other funds & my earlier reply got kicked out when I was forced to log back in. Anyway, I liked Alec's suggestions & will be mulling over all of the feedback...

1. What percentage did your DODGX increase since you bought the new shares? Bought the new shares at $53.11 & as of today it's at $66.76. So unless I miscalculated, DODGX has gone up 25.7%. 2. What percentage did the corresponding Vanguard fund that you would have bought increase since you boug...

Several years (!) ago, Laura gave me helpful advice which I was in the process of implementing (slowly), but the bear market threw me into a state of paralysis. I was planning to move out of Dodge & Cox into Vanguard ....well, after losing so much, I'm resigned to holding still in D&C Stock ...

Bit the bullet today and transferred everything out of DODFX (Dodge & Cox Int'l) into DODGX (D&C Stock). Figured both funds were so down, that the move merely reduced my international exposure/risk. Still hanging on to DODIX ( D&C Income) more out of inertia than confidence. Also, transf...

Late starter, been investing for last 13 years-current age 63- took more risk-started with 60/40 & over the last year dropped down to 55/45, but this month's market has probably dropped me closer to 50/50. Current strategy- letting the market adjust my allocation & just increasing my emergen...

I've been trying to do the same (currently all my T-C contributions are going into money mkt.), but so far I'm still paralyzed ....I admire your courage.........

I too am about 2 years from retirement.

Good luck (to all us older Boomers)-

-Sam

Valuethinker wrote: When you are moving equity fund to equity index fund, I wouldn't sweat it too hard. Just do it. The reason being that your only worry is the *difference* in performance between two funds. So the healthcare fund might do 5% better than the fund you are switching into, but 5% of 2...

Last month I posted this info on M*: Age: 62 (employed) Taxable investments: 0 Spouse:0 Pension:0 Debts: 0 (except for mortgage of approx. $73k@ 6.25%) Lifestyle: very frugal Income: less than $35k Future Social Security: under $1k/month unless I wait till 70 Emergency funds: almost 9 months of livi...