Search found 1238 matches

by Lynette
Mon Jun 26, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7109

Re: Where to find a financially like-minded significant other?

In reply to Lynette, I am one of the Bogleheads who dreams of early retirement. Maybe when you see how my situation is different from yours, you'll understand why. Just like you, I wish to travel. Unfortunately, with vacation limited to two weeks at a stretch, there is not much travelling that I (w...
by Lynette
Mon Jun 26, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 7109

Re: Where to find a financially like-minded significant other?

I too have immigrated to the U.S. from Europe (Soviet Union) at about the same age . . . Victoria, thanks for sharing that. I had no idea you were an immigrant, and from the Soviet Union. Your command of the English language is excellent and I have always enjoyed your thoughtful and witty posts. Hi...
by Lynette
Sun Jun 25, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Newly married, new doc, new investor and new Boglehead in search of advice
Replies: 10
Views: 1000

Re: Newly married, new doc, new investor and new Boglehead in search of advice

There are wikis on many subjects and threads that contain advice that has been repeated many times. Simpy use the Google search button at the top of the page. This is a link to a list of books that you may consider:

https://www.bogleheads.org/wiki/Books:_ ... nd_reviews
by Lynette
Sat Jun 24, 2017 6:34 am
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

Thanks. As I mentioned I am a long-time patient and my doctor knows my history. He did check my heart beat but did not do an EKG this time. Last time he took an EKG, my results had improved as I had been swimming.

Thank you.
by Lynette
Sat Jun 24, 2017 5:44 am
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

Thank you. I think there are two issues: 1. I was coded for (G0439) instead of welcome to medicare exam (G0402). These problems arise as I retired at 73 instead of 65. 2. The Welcome to Medicare is supposed to be for screenings and possibly shots. There did not appear to be any tests done on my Welc...
by Lynette
Fri Jun 23, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

Thank you for encouraging me to get to know Medicare billing. I am on AARP Medigap F - cost about $200 a month. The letter of denial stated that the maximum I could be billed was $295. I've written a lengthy letter and filled in the other paperwork. My doctor is going on past history - e.g. one is e...
by Lynette
Fri Jun 23, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

.......................................... This has been quite an experience. With IRMAA premiums for Parts A & D, and Medigap F, I am paying about $500 a month. While employed, I paid $160 a month in premiums. Many questions on this board are about taking early retirement and living in another...
by Lynette
Fri Jun 23, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

from the Medicare and You 2017 Publication: “Welcome to Medicare” preventive visit During the first 12 months that you have Part B, you can get a “Welcome to Medicare” preventive visit. This visit includes a review of your medical and social history related to your health, and education and counsel...
by Lynette
Thu Jun 22, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

I live in South East Michigan and when I visit the doctor's office it is full of elderly patients. My doctor assured me that he took Medicare and the office told me I would not be billed. I think that the office dropped the ball somehow or other which is why they have not returned my calls. I think ...
by Lynette
Thu Jun 22, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

It was Prolia. I think that there is no good solution. A few years ago I was on Fosamax but discontinued this due to time I had been on it and negative publicity associated with it. Maybe I should stop these wellness tests. My former employer essentially forced us to go on them as we had to pay a hi...
by Lynette
Thu Jun 22, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

Maybe it is not a billing code issue. In the letter why the request was rejected it states: "Medicare will make payment for a Medicare Physical Exam when all the requirements are met. This is a one-time exam within the first 12 months that you have Part B. Your exam should include a review of y...
by Lynette
Thu Jun 22, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

nisiprius wrote:Pssst. By the way. Apple, penny, table. Also, DEFPOTEC.



????
by Lynette
Thu Jun 22, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

BL wrote:Just want to add that there is probably not only a co-payment but a deductible amount for each year with Medicare and, I suspect, your supplement policy. That would also show up with the first visit of the year.
Part B deductible $183 per year


I have Medigap F - do I still have a deductible?
by Lynette
Thu Jun 22, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

I decided that this was total nonsense. The doctor's office told me I would not be billed. I called again but got a voicemail. I will give them a day or two to get my appeal and then I will go and encamp on their doorstep and make a polite fuss.
by Lynette
Thu Jun 22, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

Thanks. I sent an appeal copying doctor's office, and AARP - 13 pages in all. Incidentally the doctor's office told me that I would not be billed.They would have to bill me. I have been a patient of theirs for about 20 years. I could always go and see the doctor's office as they are only about three...
by Lynette
Thu Jun 22, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 10
Views: 1182

Re: How to direct water away from a sloping driveway - French drain or ..

If anyone else is interested, this is an update. I decided to run water down my driveway to see what happened. Two slabs from the garage the water flows off to the right and floods the lawn. The slab next to garage has a dip in the middle and the water pools up there up to an inch. Obviously in the ...
by Lynette
Thu Jun 22, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Christine Benz: "How to Make the Most of Your 401(k)"
Replies: 24
Views: 3179

Re: Christine Benz: "How to Make the Most of Your 401(k)"

My former employer (Megacorp) automatically enrolls new employees in a target date index fund. I am pleased with their management of funds. Occasionally they drop one if they feel that conditions have changed. In addition they have a Stable Value Fund. I see no reason to change and do not intend to ...
by Lynette
Wed Jun 21, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

I called the billing department at my doctor's office and got a voicemail. I think that they don't work on a Wednesday. I left an irritated message for them to get the billing code correct! As I am frustrated, I decided to do a formal appeal. I am writing a letter telling them that the billing code ...
by Lynette
Wed Jun 21, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

What a terrible system! Medicare denied my appeal - more paperwork. So now I have to appeal again!!! I pay $500 a month compared to $160 and I cannot even go for preventive tests at the age of 73. Oh well - everyone likes Medicare - except for me.
by Lynette
Mon Jun 19, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Forced to Convert 401k to IRA?
Replies: 17
Views: 1178

Re: Forced to Convert 401k to IRA?

I retired this year at the age of 73. As my 401K was with the employer for whom I worked, I did not have to take RMDs until this year. The plan states that I can leave my 401K with them unless the balance drops to below $1,000. I can do partial rollovers, total rollover, withdrawals etc. I see no re...
by Lynette
Mon Jun 19, 2017 2:35 pm
Forum: Investing - Theory, News & General
Topic: Do Bonds have a place if basic expenses are covered by income streams?
Replies: 69
Views: 3513

Re: Do Bonds have a place if basic expenses are covered by income streams?

I don't know where / why I had the idea that I should be 60/40 stocks/bonds. For the bond part I have 50% bonds and 50% stable value fund. My expenses and discretionary spending are covered by SS and pensions. My savings are for medical emergencies and whatever disaster may crop up. I'm much too bus...
by Lynette
Sun Jun 18, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 10
Views: 1182

Re: How to direct water away from a sloping driveway - French drain or ..

I have a long, narrow lot. 50' wide, 150' deep. It slopes a little downward toward the back, also a little to the left. We built a garage behind our house. The concrete guys sloped the water to drain off to the left about 5 feet before the garage. I dug a little trench (maybe 6 inches deep) from th...
by Lynette
Sun Jun 18, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 10
Views: 1182

Re: How to direct water away from a sloping driveway - French drain or ..

I have a similar problem. Have you thought about tearing out the concrete and using permeable pavers on a packed gravel base instead? That is what I am planning to do. Thanks - I think that about 40% of the concrete driveway can be saved and almost all of the driveways in my area are concrete, so I...
by Lynette
Sat Jun 17, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 10
Views: 1182

Re: How to direct water away from a sloping driveway - French drain or ..

When it rains, the back of my yard gets very wet at the back. My neighbor says that our houses are built on a slight mound that dips to the back and front. I would not be redirecting water - it will go onto my lawn. As I mentioned I have a catchment drain at the back of my lot and the water could po...
by Lynette
Sat Jun 17, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 10
Views: 1182

How to direct water away from a sloping driveway - French drain or ..

Thanks to those who replied affirmatively to my query if it is possible to replace sections of a driveway. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=220660&p=3400735#p3400735. I called a reputable builder in this area and he gave me the name of the guy who does his concrete work....
by Lynette
Fri Jun 16, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Who mixes android and iOS
Replies: 24
Views: 1009

Re: Who mixes android and iOS

Why not mix and match? I don't see much difference between Iphone and Samsung Note4/5. If you are mildly techie - no big deal.
by Lynette
Thu Jun 15, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4876

Re: Do You Take Your Credit Card Receipts?

No, I check my credit card statement periodically to see if there are no unwanted charges. I have a few box of tiles for my kitchen floor from Home Depot that are spare. I did not keep the receipts. I suppose that there is a record of them on my statement. I'll just keep them in my garage - maybe us...
by Lynette
Wed Jun 14, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy and move?
Replies: 19
Views: 1383

Re: To buy or not to buy and move?

I have just retired at the age of 73 and was considering moving from Michigan to the greater DC area where I have family. I considered all of the options but in the end decided against it. I would likely have to spend at least $200 - $300K for an equivalent house. In addition, for me the traffic was...
by Lynette
Wed Jun 14, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Proof for estimated tax payments
Replies: 19
Views: 1422

Re: Proof for estimated tax payments

I used Direct Pay yesterday. I printed out the confirmation history. In addition, today I got an alert from my bank that amount xxx had been withdrawn by the IRS.
by Lynette
Tue Jun 13, 2017 6:32 am
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1381

Re: Anyone enrolled in Part B of Medicare?

Monthly premiums for both B and D are means tested. So if you have pensions and Social Security, you will likely pay more than the standard premium. Actually, there are plenty of people with pensions and Social Security who do not pay more than the standard premium. The average SS benefit is about ...
by Lynette
Mon Jun 12, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1381

Re: Anyone enrolled in Part B of Medicare?

I strongly suspect that almost all of those eligible for Medicare enroll in BOTH Parts A and B. As do I. When I became eligible I felt I needed to study Medicare because there were so many options. I quickly realized that it would be crazy not to sign up for Part A. After all, I had been paying for...
by Lynette
Mon Jun 12, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Anyone enrolled in Part B of Medicare?
Replies: 25
Views: 1381

Re: Anyone enrolled in Part B of Medicare?

Monthly premiums for both B and D are means tested. So if you have pensions and Social Security, you will likely pay more than the standard premium.
by Lynette
Fri Jun 09, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

Make sure you saw cut out the bad section to create straight lines then dowel the new concrete to the existing ones. :happy I read all of that stuff on youtube. I probably did not cut out enough but I used a lot of ready-made concrete from Home Depot. The cracks were wide from where the soil had sh...
by Lynette
Thu Jun 08, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

Have you looked into concrete lifting? We've had good luck with this and it is significantly cheaper. Admittedly I haven't read all the responses, but in cases where whole slabs have sunk dramatically it can be easier just to lift the concrete rather than replace it. However, if the sections of con...
by Lynette
Thu Jun 08, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

Not to raise additional issues, but is there other concrete work around the property that it makes sense to consider? We finally did a major re-do of all the concrete around the house and the only question was why on earth we had not done it all years sooner. The idea is that the job then becomes a...
by Lynette
Thu Jun 08, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

The But to do driveways, one needs heavy equipment. Depends on how big of a section you are talking about. I did a 4' section in my driveway by hand in a wheelbarrow. If it is big enough that it "requires" heavy equipment, you shouldn't have a hard time interesting someone. Thanks - I've ...
by Lynette
Thu Jun 08, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

I'm sorry, but your personal information is already all over the Internet. I wouldn't hesitate to use homeadvisr or Angie's list. My telephone is unlisted and I get very few calls. I also have a smartphone that I own and only use for emergencies. It is on an AT&T prepaid Gophone - about $45 per...
by Lynette
Thu Jun 08, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

Lynette: Here's a web page link that describes several ways to repair a concrete driveway: https://www.concretenetwork.com/concrete/concrete_driveways/repair.html Good luck! Thank you. I think that the part that is the worst was caused by sinking ground when the tree was removed. I called the City ...
by Lynette
Thu Jun 08, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

The problem is getting quotes. Small (and often times partial) jobs typically aren't of interest to the larger, more recognizable companies. You may need to look at "handymen" or smaller general contractors. I've got a handyman and his son replacing kitchen cabinets at the moment. The han...
by Lynette
Thu Jun 08, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

Both concrete and asphalt can be replaced as sections or areas. There generally will be an appearance difference vs the older section. It is usually better on concrete to replace the whole section between expansion joints. Your contractor may look at the driveway and recommend more be replaced then...
by Lynette
Thu Jun 08, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Re: Is it possible to only replace sections of a concrete driveway?

Thank you. I spoke to one company some time back and they were only interested in replacing the whole driveway. The section that covers the walkway to the city street is in really good condition. I remember that it had to be thicker than the rest. I called the City but each person passed the buck - ...
by Lynette
Thu Jun 08, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Is it possible to only replace sections of a concrete driveway?
Replies: 22
Views: 1760

Is it possible to only replace sections of a concrete driveway?

I am wondering if it is possible to only replace sections of a concrete driveway. About 50% of the blocks in my concrete driveway need to be replaced. My lot is 130 feet long and the garage is at the back. Replacing the whole driveway would likely cost about $13,000 - $15,000. The section that is pa...
by Lynette
Wed Jun 07, 2017 5:37 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 6927

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

objectivefunction wrote:It is a gift given to the woman who bears your child, because you are proud of her and appreciate all she has gone through.


Keep the gifts rolling. Going through birth is one issue but the real work starts once the child is born and for a lifetime afterwards!
by Lynette
Tue Jun 06, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 6830

Re: Flying first class, business, versus economy.

Man you guys make me feel like a cheapskate. Economy domestic, economy to the carribbean, economy to Europe. I do agree it's not fun. I could afford to pay for upgraded seats, but I'd prefer to just suffer cramped in with the rest of the pleebs. Don't you worry, I'm with you brother ;-) Same here -...
by Lynette
Mon Jun 05, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

I can't say how it works for anyone else... and all insurance is governed by state laws and varies a lot from state to state... ...no, I don't get a bill. I don't need to file claims with my Medigap insurance company myself. So far it's all been smooth and automatic. What happens with me is that th...
by Lynette
Mon Jun 05, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

I will try not to express frustration - Medicare B premium $270 per month and nearly $200 for Medigap B. It's better to die than to deal with this! My doctor said he'd see me next time - no problems. I'm getting confused by all these B's floating around. Do you mean Medicare Plan B costs you $270 a...
by Lynette
Sun Jun 04, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

Within past year, received a Medicare notice saying claim for an exam had been denied. Called Medicare. Got a human surprisingly fast. Human said claim had already been resolved and doctor paid. Human said Medicare paperwork is only mailed quarterly, and only then if you have a claim during the qua...
by Lynette
Sun Jun 04, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

It looks like they billed it as an annual medicare wellness (G0439) instead of welcome to medicare exam (G0402). The welcome to medicare exam includes EKG, vision check, and hearing screen in addition to the normal annual medicare wellness questions. If they drew blood work then they needed to add ...
by Lynette
Sun Jun 04, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

I agree you should answer toofache's question and tell us the code on your EOB. My theory is that your doctor's office staff (whoever coded the claim filed with Medicare) could not conceive of the possibility that a 73-year-old was "new to Medicare" and coded the record as an annual welln...
by Lynette
Sun Jun 04, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 62
Views: 4026

Re: Please explain how Medicare Billing works?

What CPT code was billed on your EOB? And did your visit address any existing health conditions? EOB? What is that? Sorry, I'm still new to this. The letter said that this is not a bill and specified the amount my doctor could bill me. This was $293.85 Under Service provided it states: Annual welln...

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