Search found 718 matches

by Almost there
Sat Nov 18, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 31
Views: 3032

Re: H&R Block Software

Anyone did this for Arizona?
by Almost there
Sat Oct 21, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3903

Re: Why not switch from Medigap F to G now?

Celia wrote: DH just changed carriers recently to go from Plan F at one carrier to another carrier's Plan F. It was relatively effortless. No medical underwriting is required if you transfer to the same plan letter or to one that offers fewer benefits. Transferring to a plan with more benefits will ...
by Almost there
Sat Oct 21, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3903

Re: Why not switch from Medigap F to G now?

Sorry you are correct. Have changed my post accordingly.
by Almost there
Sat Oct 21, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 2059

Re: medicare supplment

To find the right supplemental plan provider, I contacted Senior Savings Network who are located on the East Coast. 800-729-9590
They were very helpful. They suggested Aetna since they don't raise or lower their prices every year. Have been very pleased with them.
by Almost there
Sat Oct 21, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3903

Re: Why not switch from Medigap F to G now?

Grasshopper wrote: Called BCBS of AZ they said they can do the change no problem, no underwriting. I have an appointment next week I will do the change after that. I changed from United to Aetna for my Plan N and saved $23 per month and now paying $94.00/month. To find the right supplemental plan pr...
by Almost there
Sun Oct 15, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1152

Re: HSA: School Me

Thank you SpiritRider, for your explanation.

As to point 3:
As to direct contributions, then they won’t be pre—tax if they’re not sent by an employer.

Hopefully Vanguard will offer it!
by Almost there
Sun Oct 15, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1152

Re: HSA: School Me

Spirit Rider answered: A significant number of Bogleheads have HSA accounts at custodians other than their employer's designated HSA custodian. Just refer to the number of threads about what is the best HSA. You still want to contribute through your employer's designated HSA custodian to receive the...
by Almost there
Sun Oct 15, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: How does dental insurance work (for you)?
Replies: 6
Views: 1350

Re: How does dental insurance work (for you)?

I have EDS (Employers Dental Services-and no I am not working. I am retired) through Principal and am quite happy with their service and my dentist's office. After treatment, I receive a statement with all charges listed. I live in Arizona so I am not sure how this would work in the state you live i...
by Almost there
Sun Oct 15, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Cool money savers this month
Replies: 3
Views: 1027

Re: Cool money savers this month

The T-Mobile plan sounds like a good idea, however, where I live I don't receive good coverage.
Verizon is the only one that works consistently.
by Almost there
Sun Oct 15, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: HSA: School Me
Replies: 13
Views: 1152

Re: HSA: School Me

Does anyone have an HSA plan not purchased through their employer?
by Almost there
Sun Oct 01, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 896

Re: Life insurance policy

I’m still just looking for a recommendation for an insurance company.
by Almost there
Sun Oct 01, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 896

Re: Life insurance policy

Thank you and no children etc involved. He’ll go for the lowest cost.
by Almost there
Sun Oct 01, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 896

Re: Life insurance policy

Does anyone have a recommendation as to which insurance company to use?
by Almost there
Sun Oct 01, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Hardwood/Laminate floors ?
Replies: 17
Views: 1574

Re: Hardwood/Laminate floors ?

Please see Consumer Reports, August 2017. Would recommend obtaining this issue from a friend or your local library. Here are some excerpts from this issue: KITCHEN AND MUDROOM Top Choice: Porcelain tile (a natural fit for high traffic areas of the home. It outperformed every other flooring material ...
by Almost there
Sun Oct 01, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 15
Views: 1901

Re: Bed Pillows

Have used buckwheat pillows for +15 years and loving them. Originally saw them advertised on QVC and a co-worker highly recommended it. Since then I have purchased them from Amazon. I buy two cheap pillow cases with zippers and stuff one with the buckwheat. Then put it into another pillow case. You ...
by Almost there
Sun Oct 01, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 896

Re: Life insurance policy

Arizona. Needs the insurance policy until she either get married (doesn't look like that will happen) or dies.
They are both 60. I don't think she is in the best of health.
by Almost there
Sun Oct 01, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy
Replies: 18
Views: 896

Life insurance policy

A friend (he's 60 and in good health) needs to obtain a $200,000 life insurance policy to satisfy his divorce decree.
Which insurance company with the lowest cost would you suggest?

Almost there
by Almost there
Wed Sep 27, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Quick social security question
Replies: 10
Views: 1824

Re: Quick social security question

I had no problem 3 1/2 years ago when I applied online based on my ex husband's record. Everything went smoothly. In 6 months when I will start SS based on my record, I will again apply online.
by Almost there
Tue Sep 26, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quick social security question
Replies: 10
Views: 1824

Re: Quick social security question

Don't call SS just go to their website and do the whole process online.
by Almost there
Thu Sep 21, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Applying Online for Age 70 Benefit - Avoiding Retroactive Payments
Replies: 5
Views: 970

Re: Social Security - Applying Online for Age 70 Benefit - Avoiding Retroactive Payments

I applied online for Medicare at age 65 and for Social Security, which is based on my ex, at age 66. Never went to the Social Security office. Everything went smoothly. Received a letter afterwards and I had to send in various documents which were returned 2 weeks later. Next year I will turn 70 and...
by Almost there
Tue Sep 19, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49876

Re: Equifax customer information leak

F150HD wrote: Did Equifax mail you a confirmation letter with your PIN after you froze your account? (I know PIN is the timestamp but wondered if you still got a USPS letter confirmation) Did Experian or Transunion mail you a confirmation letter with your PIN? I just logged in to Equifax website whe...
by Almost there
Sun Sep 17, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49876

Re: Equifax customer information leak

F150HD wrote: went to annualcreditreport.com today to get my free annual reports....had not viewed them this year so figured today was as good as any. Was able to view and download Equifax and Transunion but Experian would not work. Stated I have to send in a paper form to request from them. Anyone ...
by Almost there
Sun Sep 17, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49876

Re: Equifax customer information leak

Received the following email today from Equifax: It is time to take the final steps in enrolling in your free product, TrustedID Premier, by verifying your identity. To do this, you’ll need to answer some questions about yourself. Successfully completing this step will conclude your enrollment proce...
by Almost there
Thu Sep 14, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 837

Re: [ShopRunner] from AMEX

Thank you Heartwood. This is awesome and it gives me a choice.
by Almost there
Thu Sep 14, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 798

Re: AMEX app

Thanks jdb
by Almost there
Thu Sep 14, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 798

Re: AMEX app

Thank you CyclingDuo
by Almost there
Thu Sep 14, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 798

Re: AMEX app

When I went to AMEX' website, it just indicated AMEX app.
Now when I went back in it indicated AMEX mobile app.
by Almost there
Thu Sep 14, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 798

Re: AMEX app

When I received my new AMEX it was suggested that I sign up for their app. Is there a benefit I don't know about?
by Almost there
Thu Sep 14, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 837

Re: [ShopRunner] from AMEX

Thank you for the info.
by Almost there
Thu Sep 14, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 837

Re: RoadRunner from AMEX

Yes indeed I meant ShopRunner.
Just read about RoadRunner and got the two confused.

Sorry about that and thank you for catching my error, Jebmke.
by Almost there
Thu Sep 14, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 798

Re: AMEX app

Not sure what you mean by why did I remove the name of the app?
by Almost there
Thu Sep 14, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: AMEX app
Replies: 16
Views: 798

AMEX app

AMEX suggested I sign up for their app.
What is the benefit, if any?
by Almost there
Thu Sep 14, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 837

[ShopRunner] from AMEX

Has anyone signed up for this service? It was just offered to me when I received my new AMEX card. From their website: Make online shopping easy with free 2-day shipping & free returns on eligible items at 140+ stores. Min. order may be required. [Fixed thread title to reflect correct name of the se...
by Almost there
Tue Sep 12, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49876

Re: Equifax customer information leak

Thank you, triceratops, for the link. I just signed up.
So should I also sign up for a credit freeze with the other 3 credit reporting agencies?
by Almost there
Tue Sep 12, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49876

Re: Equifax customer information leak

I have never used Equifax thus have no pin number. I used Experian in July 2017 and Transunion July 2016.
Wondering what I should do?
by Almost there
Sat Aug 19, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11219

Re: Anyone planning on never retiring?

4-5 years I felt the same as the OP. Then after I lost my job, I decided to retire and take Social Security. Through close friends of mine I found a very active 55+ retirement community and I am very happy having moved from NJ to AZ. There is so much to do (or perhaps choose not to do). One can keep...
by Almost there
Thu Aug 17, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 48
Views: 5936

Re: Geico insurance rate increase: 26.24% APY?

mickroark wrote:
Try Everquote.com. They will price every carrier all at once for you. I am 65 and as has happened, Nationwide gave me the best quote. Geico I think was second in price.
Has anyone else used everquote?
by Almost there
Wed Aug 16, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Lightning strikes nearby locking up my new smart thermostat
Replies: 12
Views: 1533

Re: Lightning strikes nearby locking up my new smart thermostat

nordsteve wrote:
Can't say enough about having a residential surge suppressor. Mine is from Square D.
Which surge suppressor did you purchase from Square D?
by Almost there
Wed Aug 16, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 15949

Re: How far would you travel to see The Eclipse?

Not driving anywhere to see the eclipse.
by Almost there
Wed Aug 16, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13015

Re: Postal Service -- "informed delivery"

Go for a walk to your mailbox and see it as exercise instead of a nuisance. Change your credit card and utility statements to paperless.
by Almost there
Wed Aug 16, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 4666

Re: Toyota Camry Repair Priorities

pony wrote: Both headlights foggy...3M makes a kit to fix this...its less than $10 and will make your headlights look new again. I don't think many people know about this. What is the name of the product manufactured by 3M? Presently both of my headlights are foggy on my 2004 Camry with 99,000 miles...
by Almost there
Wed Aug 16, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: 30 Year @ 3.875
Replies: 5
Views: 970

Re: 30 Year @ 3.875

Have you considered a 15 year mortgage?
They offer lower rates.
by Almost there
Tue Aug 15, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4694

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Sorry I must have misunderstood your post. sport wrote: This is how I would handle your example. Let's say your RMD is 14K, you want to withhold 2K for taxes, and make a 4K QCD. You could withdraw 8K in January, make the 4K QCD in October (make sure you are past the 70.5 mark) and then make a 2K wit...
by Almost there
Tue Aug 15, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4694

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Kaneohe wrote: The withdrawals seem fine. You could w/h tax on your 10K Jan withdrawal. However be aware that most do the w/h in a later in yr withdrawal. They are penny-pinching so they squeeze the last penny of earnings out of their funds. Basically you are paying taxes earlier that you have too. ...
by Almost there
Tue Aug 15, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4694

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

kaneohe wrote: Almost there wrote: Celia, the way I learned from other Bogleheads is that the QCD has to be taken before any RMD withdrawal. quote] Kaneohe wrote: That is not true...........you can take them in any order. However if you want to withdraw the least from the IRA, then you will make the...
by Almost there
Tue Aug 15, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment Question
Replies: 3
Views: 683

Re: Medicare Enrollment Question

I found the following on the Medicare website: Step 1: Learn about the different parts of Medicare The different parts of Medicare help cover specific services. Medicare Part A (Hospital Insurance) covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home healt...
by Almost there
Fri Aug 11, 2017 5:38 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4694

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

Almost there wrote: Celia, the way I learned from other Bogleheads is that the QCD has to be taken before any RMD withdrawal. quote] Kaneohe wrote: That is not true...........you can take them in any order. However if you want to withdraw the least from the IRA, then you will make the QCD and the r...