Search found 654 matches

by Almost there
Sun Jul 23, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: AnnualCreditReport Equifax
Replies: 31
Views: 1659

Re: AnnualCreditReport Equifax

Just tried to obtain my credit report with Experian. They said that they had to check further and I would receive my report number in the mail. Never had that happen in all the years I tried to obtain my credit report.
by Almost there
Sat Jul 22, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Restricted SS Spousal benifit
Replies: 9
Views: 878

Re: Restricted SS Spousal benifit

I filed for both SS and Medicare online and it was a breeze. Had to sent later the requested paperwork which was returned 2 weeks later. Over the years I would contact SS and not always received correct answers. I trust the online application process which will end for me next year.
by Almost there
Thu Jul 20, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Opinions on "Understanding Medicare" Seminar?
Replies: 3
Views: 480

Re: Opinions on "Understanding Medicare" Seminar?

I visited a Medicare seminar last November. The agent mentioned various plans but a friend in the audience suggested another company after the meeting was over (and I am glad I switched). Saved me $20/month for the same plan. Today I received an email that another Medicare seminar will be held in ou...
by Almost there
Thu Jul 20, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3582

Re: Investing well for Retirement can be frustrating

OP, you are on the right course. I am happy I retired when I did and have saved for the past 20 years (after my divorce) as a single person every raise and am now benefitting from it. A couple of weeks ago I looked over my Excel worksheet where I listed all the money I invested for the past 20 years...
by Almost there
Tue Jul 18, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Inc magazine
Replies: 6
Views: 522

Re: Inc magazine

Thanks. Will keep it for future reference.
BTW, Inc. Magazine was not listed in the AA site.
by Almost there
Tue Jul 18, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Inc magazine
Replies: 6
Views: 522

Re: Inc magazine

Iliketoridemybike wrote: Check out your airline miles too. I only order one or two magazines a year, but I always use miles for 0 out of pocket costs. I only have points with American Airlines. Where do I go to check for magazine subscription or are there also other choices? I also use AARP for my m...
by Almost there
Mon Jul 17, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Inc magazine
Replies: 6
Views: 522

Inc magazine

Just received their July issue along with a card stating that they are having a Summer Sale.
Subscription: $5.00/year

Order online: inc.com/summersale
by Almost there
Sat Jul 01, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331169

Re: What's Your Credit Card Rewards Strategy?

Just started reading the August issue of Kiplinger about: Rewards Card for you.

Comparing various credit cards, bonuses, fees etc.
by Almost there
Sat Jul 01, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1400
Views: 246954

Re: What are you up YTD? [Year To Date]

Nicolas, LadyGeek and livesoft wrote: Actually, the first trading day of 2017 is January 3, 2017. NYSE: Holidays and Trading Hours livesoft wrote: It should be since 12/31/2016, shouldn't it? 12/31/2016 is not a trading day. It should be the closing price of 12/30/2016, which is a Friday. This becom...
by Almost there
Sat Jul 01, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1400
Views: 246954

Re: What are you up YTD? [Year To Date]

5.7%

Just to make sure I did it correctly: I took the value as of 6/30/17 and subtracting the value as of 1/1/17.

The difference x 100 divided by the value at 6/30/17.
by Almost there
Fri Jun 30, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6597

Re: AAA Cost

I moved my AAA membership when I moved from NJ to AZ. But AAA AZ send me a renewal letter but it took awhile until my address etc was moved. Now the only problem remains is when I call the 800 # they transfer me to NJ since my cell phone number has a NJ area code. Now I just call the local AZ AAA of...
by Almost there
Tue Jun 27, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

Received the ordered softener today. Purchased 4 bags of the recommended salt.

What happens next after the softener has been hooked up?
When will I be able to use my dishwasher?
by Almost there
Fri Jun 23, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 10
Views: 1592

Re: Amazon purchase

So I just did a large purchase from Amazon through BH. Does BH receive a fee based on the amount of the purchase OR just a fee for the referral?
by Almost there
Fri Jun 23, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

Purchased from Amazon through BH: Pentagram Fleck 5600 SXT 48,000 grain of upgraded Higj capacity 10% resin. I contacted Brian 602abcWater or Protect My Water located in the Phoenix area. I gave him all the data and this is the unit he recommended. I already have someone lined up for the installatio...
by Almost there
Thu Jun 22, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 10
Views: 1592

Re: Amazon purchase

Great. Thanks.
Wish I had thought about it first.

:greedy :moneybag
by Almost there
Thu Jun 22, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 10
Views: 1592

Re: Amazon purchase

Thanks
by Almost there
Thu Jun 22, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Amazon purchase
Replies: 10
Views: 1592

Amazon purchase

When I want to buy something from Amazon, I just go to BH site, click on Amazon.com and choose my purchase?
As I understand it, then BH will receive a small referral fee but there is no charge to me?
by Almost there
Thu Jun 22, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

Which salt do you purchase for the water softener? I see 4 different ones listed in Home Depot's site: 1. Morton Salt 40 lb. Clean and Protect Water Softener Salt Pellets 2. Diamond Crystal Bright and Soft Water Softener Salt Pellets 3. Morton Salt 40 lb. Pure and Natural Water Softener Salt 4. Diam...
by Almost there
Tue Jun 20, 2017 7:27 pm
Forum: Forum Issues and Administration
Topic: Private Message Outbox
Replies: 8
Views: 894

Re: Private Message Outbox

Thanks Lady Geek. In the meantime I deleted quite a number of PMs.
by Almost there
Tue Jun 20, 2017 6:05 pm
Forum: Forum Issues and Administration
Topic: Private Message Outbox
Replies: 8
Views: 894

Private Messages

[Thread merged into here, see below. --admin LadyGeek] I sent a PM on Sunday. Today I checked on all of my PMs (and deleted quite a few of them) and noticed the Outbox was marked (1). So I sent the message again, and it was marked: Sent successfully. Now my Outbox is marked (2). Was the PM sent?
by Almost there
Tue Jun 20, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6597

Re: AAA Cost

$60 or $70 per service call is not bad. What if you have more than 2 calls in one year? You'll be paying more than AAA charges per year. No matter when I have called them, someone came. A couple of years ago my brand new battery stopped working. I called AAA and the person checked my battery and det...
by Almost there
Fri Jun 16, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6597

Re: AAA Cost

Thank you Saladdin for your post. You wrote that your insurance company reimburses you. But then they'll know and I would be afraid that they'll raise your insurance. May I ask the name of your insurance company?
by Almost there
Thu Jun 15, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

OK, decided to go with the Fleck 5600SXT. But there are a number of different models on Amazon. Please direct me which one you would recommend? https://www.amazon.com/s/ref=nb_sb_ss_i_4_13?url=search-alias%3Daps&field-keywords=fleck+5600sxt+water+softener&sprefix=fleck+5600SXT%2Caps%2C244&am...
by Almost there
Thu Jun 15, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6597

Re: AAA Cost

Not really surprised to read that there is a reason for offering such cheap roadside service.
by Almost there
Tue Jun 13, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

Yes it gets hot in the garage and some of my neighbors have added A/C to their garage. Thank you for pointing out to go with a mechanical unit.
by Almost there
Tue Jun 13, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

FrugalInvestor wrote in 2 different posts: This is very important and is something I neglected to mention previously. You should definitely check on it. Using salt softened water for landscape irrigation will eventually kill the plants and using the additional potassium softened water could be very ...
by Almost there
Tue Jun 13, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

DDM wrote: I think you have a misconception about a salt-based softener system. They do not add salt to your water. The system will have a resin tank that the water flows through and softens the water. After a certain amount of water has flowed through the resin tank it will become saturated and the...
by Almost there
Tue Jun 13, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3470

Re: How many tech devices do you have?

2:
Smart phone
Computer
by Almost there
Mon Jun 12, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

Thank you once again, FrugalInvestor. Are you sure you are using 7,000 G per month? That means you go through 233 G per day? I read the article about substituting potassium chloride for sodium chloride. So if we choose to go that route, we would still need the RO filtration system? What about the di...
by Almost there
Mon Jun 12, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

FrugalInvestor wrote: Typically in the Phoenix area you'll use a traditional softener (salt based - or potassium if you don't like salt) for all your water in the house with the exception of the cold water at the kitchen sink. In addition you'll use an under-sink reverse osmosis (R.O.) system for dr...
by Almost there
Sun Jun 11, 2017 10:55 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

I don't have a cellar so it'll be located in the garage.
by Almost there
Sun Jun 11, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

Right now I'm leaning towards getting a non-salt system. A friend just recommended H2o Concepts. Does anyone have experience with that?
by Almost there
Sun Jun 11, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

Thanks for your input.
by Almost there
Sun Jun 11, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6597

Re: AAA Cost

Thanks for the heads up on the Groupon deal.
You would think these deals are for all the states.
by Almost there
Sun Jun 11, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6597

Re: AAA Cost

After my daughter while still in college was towed over 100 miles home late in the evening and AAA plus paid for it, I was sold. Most of the years I use it because of a nail/screw in the tire, jump starting (left the light on) or car wouldn't start because the new battery failed, I was always happy ...
by Almost there
Sun Jun 11, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

Re: House softener system

Where do I get my water tested or do I contact the water company?
by Almost there
Sun Jun 11, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: House softener system
Replies: 39
Views: 2616

House softener system

I live south of Phoenix and we definitely have hard water here. A number of people have recommended to get one systems for the house and another for the kitchen. Yesterday some friends recommended their system: H2o concepts. Has anyone used that? It doesn't use salt and it is Made in the USA. Which ...
by Almost there
Sun Jun 11, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6597

Re: AAA Cost

Paying in AZ $122.50/year (Plus) for the 2 of us.
by Almost there
Sun Jun 11, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 6597

Re: AAA Cost

AAA wrote: Despite my username here (which is about bond ratings not roadside assistance companies ) - we dropped AAA a few years ago and went with someone else and then eventually ended up with something from our auto insurance company. You might want to check with yours to see what they offer. I d...
by Almost there
Tue May 30, 2017 6:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 244
Views: 41904

Re: Roll Call for the Retirement Class of 2015!

Good questions Miriam2. Graduation age: 67 Date: November 30, 2015 Almost there: I came up with as a long term goal of succeeding in life. I have, with the help of many Bogleheads, achieved most of them. Now I'm living in a wonderful place and am happy I can afford it. May I continue learning and ju...
by Almost there
Sun May 28, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 3204

Re: Medigap Insurance Plans

Keeping people in the dark and one shouldn't be allowed to think which Plan one chooses. Very sad.
by Almost there
Sun May 28, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 3204

Re: Medigap Insurance Plans

my name wrote: Examples in my state. The big insurer, bc/bs, has no underwriting if joining or switching to a new Medigap plan as long as you have had credible coverage. Their application has no medical questions. Another, Aetna, has underwriting if you upgrade or downgrade to their own N plan. Plan...
by Almost there
Tue May 23, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 11041

Re: What to do with all these passwords ?

What do I do? I encrypt my passwords.
by Almost there
Tue May 23, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 3204

Re: Medigap Insurance Plans

Thank you Zott for the internet connection to: https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx That was quite helpful. Last December I changed from United Healthcare to Aetna. Aetna offered Plan N for $23 less. Though I stayed with Plan N, I had to undergo underwriting in December 2...
by Almost there
Thu May 18, 2017 7:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 244
Views: 41904

Re: Roll Call for the Retirement Class of 2015!

WOW. Feel left out. Never came across this posting in 2015 when I retired!

Please allow me to join in 2017. And yes, I am still retired and enjoying every minute of it.
by Almost there
Tue May 16, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any disadvantage to changing MediGap carriers?
Replies: 5
Views: 636

Re: Any disadvantage to changing MediGap carriers?

I stayed with the same Plan N and went through underwriting because I changed carriers.
by Almost there
Tue May 16, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any disadvantage to changing MediGap carriers?
Replies: 5
Views: 636

Re: Any disadvantage to changing MediGap carriers?

Myopic squirrel wrote: Received an e-mail from my wife's MediGap carrier (Aetna) that her premium will be increasing $21 @ month ($252 annually) in June - her 1st year anniversary. If we can find another comparable company with 1. the same coverage for less (and I don't know how much of a savings an...
by Almost there
Sun May 14, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: RMD in 2018
Replies: 49
Views: 3729

Re: RMD in 2018

Thank you Sport.
I will be 70 in April 2018 and will start my RMDs in 2018.
Thank you for letting me know about the Roth conversion.

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