Search found 1274 matches

by Lynette
Thu Aug 17, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 91
Views: 4943

Re: Anyone planning on never retiring?

Don't make suppositions about health and energy. We do not know what is in store for us. Unfortunately we have recent thread about people getting cancer in their thirties. At 73, I am still in excellent health and so are most of my friends especially those who exercise and try to take care of themse...
by Lynette
Wed Aug 16, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 91
Views: 4943

Re: Anyone planning on never retiring?

I retired at 73 as I did not have enough time to take classes I wanted to attend and spend time on travel. I spent several months fixing up my house on garden. I am taking classes in Spanish at a community college - four hours on a Monday and Wednesday evening. Now I have a lot of homework to do. Th...
by Lynette
Tue Aug 15, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: please help...am I overextended - first home
Replies: 74
Views: 5142

Re: please help...am I overextended - first home

Please don't underestimate the cost of maintenance. In my city, we had a sewerage backup a few years ago. I did not have insurance for that Backup problems, loss of property, repair and a new sewerage drain cost me about $15,000. A large house was built next door that caused water in my basement. In...
by Lynette
Mon Aug 14, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 3583

Re: How to not obsess over investments?

Spend enough time on your finances until you are comfortable with your knowledge, financial decisions and then as others have mentioned find something else that engrosses you. I retired recently and spent nearly six months figuring out my new financial situation and the ghastly medicare. Then I fixe...
by Lynette
Fri Aug 11, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3014

Re: Feeling guilty about travel expenses

You haven't given us enough information. Are you 21 to 55?
by Lynette
Thu Aug 03, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: Illusion of poverty/wealth
Replies: 166
Views: 25795

Re: Illusion of poverty/wealth

I believed the myth that ones taxation would be lower in retirement. Can you elaborate on this statement more? Are you being taxed more in retirement than while you were working? Do you have large amounts of passive income? Do you wish you had placed more of your retirement savings into a ROTH 401k...
by Lynette
Thu Aug 03, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 44
Views: 6007

Re: Best "investment tip" I have gotten from Bogleheads

I saw the thread about the Instant Pot but isn't this the old pressure cooker? My mother had one in the sixties and I also had one - don't use it now - but salads from the local supermarket in Michigan (Meijers). I've also remodeled my front and back yard. I love hostas and my neighbor told me I mus...
by Lynette
Tue Aug 01, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Retirement savings sufficient to justify home renovations?
Replies: 17
Views: 1763

Re: Retirement savings sufficient to justify home renovations?

My dilemma is kitchen and home renovations. We chose to keep my older, smaller, deferred-maintenance foreclosure in a quiet, established neighborhood, over his larger, newer house in a McMansion neighborhood. The kitchen of our house has water damage from previous neglect, is poorly laid out, and t...
by Lynette
Mon Jul 31, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 5537

Re: TSA Pre-check for free

I always get it on Delta which I use 90% of the time as it is the major carrier for my closest airport. I cannot remember when I did not get TSA Pre-check and I fly a lot. But I'm 73 - has some advantages. Some smaller airports do not have TSA Pre-check - can't remember what happened there. To me t...
by Lynette
Mon Jul 31, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: How do you decide if you can afford something?
Replies: 63
Views: 3591

Re: How do you decide if you can afford something?

When I "Need" it. "Need" covers a wide category of items and prices. I have been remodeling/upgrading my house and have likely spent too much on flowers. I just noticed that a plant died in the heat. So do I go and buy another one or do I wait till the fall when prices really dr...
by Lynette
Sat Jul 29, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 5537

Re: TSA Pre-check for free

I always get it on Delta which I use 90% of the time as it is the major carrier for my closest airport. I cannot remember when I did not get TSA Pre-check and I fly a lot. But I'm 73 - has some advantages. Some smaller airports do not have TSA Pre-check - can't remember what happened there. To me th...
by Lynette
Sat Jul 29, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Phone number stolen
Replies: 41
Views: 2722

Re: Phone number stolen

Maybe just stupidity. Have you written to the CEO of PagePlus? I think it is unacceptable that they allowed this to happen and won't take responsibility for it. I would file a police report regardless. Your number should not have been reassigned immediately.
by Lynette
Sat Jul 29, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Extended Globus Europe Tour - Thoughts?
Replies: 18
Views: 1736

Re: Extended Globus Europe Tour - Thoughts?

Globus, Trafalgar, Insight etc - solid tour companies. I've been with all of them. Tours are tours - they take you to places - that has its pros and cons. The pro is that they take care of stuff - the con is that they take you to places you may not want to go - e.g. I hate, hate being taken to the &...
by Lynette
Thu Jul 27, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Helping MIL get to retirement
Replies: 12
Views: 1495

Re: Helping MIL get to retirement

I would strongly recommend that she should first retire and get all of the financial aspects of retirement and health care sorted out first before relocating. I retired at 73 and do not procrastinate at all but it took me 4 months to sort out Medicare. She will have to file a special form that she c...
by Lynette
Thu Jul 27, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Help with negotiating neighbor/yard drainage costs
Replies: 24
Views: 1574

Re: Help with negotiating neighbor/yard drainage costs

My house is in an area where small houses like mine are being demolished and large mansions built. A really large house was built next to mine with a concrete driveway with sides so that the water does not flow into my lot. Subsequently such large houses are no longer allowed to be built on these lo...
by Lynette
Thu Jul 27, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5190

Re: GF Picking a college major

I am retired and taking a 7 week, two 4 hours per week class in Spanish at a community college. Most of the students are working low-paying jobs and studying as well. I pay about $400 for a 4 credit hour course. Some of the students are at 4 year colleges but taking Spanish in the summer as they nee...
by Lynette
Sun Jul 23, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 7951

Re: Investing Education and Mansplaining

I won't even start on examples from 50 years ago in the work place about mansplaining. Actually I think that in general people have become more sensitive to and are not so condescending anymore. I'm remodeling my house and recently I was at a Big Box Store and laughing accused an elderly gentleman o...
by Lynette
Sun Jul 16, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

I am on Medicare for 12 years and never had to talk or write to Medicare. I have Medicare A&B and a supplementary HMO insurance which also provides a prescription drug plan. I do not pay directly to doctors, clinics and hospitals, except the initial co-payment, and they do not bill me directly....
by Lynette
Sun Jul 16, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

The Doctor's office told me that the visit would be fully covered. Initially they did not return my calls but only when I the receptionist was I put through to the billing clerk. She said she had resubmitted the claim with the other billing code. Part of the letter from Medicare for refusal was tha...
by Lynette
Sun Jul 16, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

duplicate - deleted
by Lynette
Sat Jul 15, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

The Doctor's office told me that the visit would be fully covered. Initially they did not return my calls but only when I the receptionist was I put through to the billing clerk. She said she had resubmitted the claim with the other billing code. Part of the letter from Medicare for refusal was tha...
by Lynette
Sat Jul 15, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

So the saga continues . . . No more doctor visits this year!!!! Maybe if I die, they will take my corpse to determine cause of death. No Lynette, sorry, but you'll have to pay for your own autopsy - Medicare stopped paying directly for autopsies in 1986. Post-death body examination to determine cau...
by Lynette
Sat Jul 15, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8832

Re: Personal Finance Milestone: 20 Times Annual Expense

runner540 wrote:Congratulations, what a milestone. I appreciate your notes of caution when folks want to commit to an expensive home.


+1

Congratulation Klang and thanks for your posts.
by Lynette
Sat Jul 15, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

The Doctor's office told me that the visit would be fully covered. Initially they did not return my calls but only when I the receptionist was I put through to the billing clerk. She said she had resubmitted the claim with the other billing code. Part of the letter from Medicare for refusal was that...
by Lynette
Sat Jul 15, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

No, it is Medigap F. I have to pay IRMAA Medicare Premiums for Medicare B and D of about $300 a month. I have AARP United Health Care Medigap F for about $200 a month. Then I have Humana Drug coverage but this is really cheap - about $17 a month. My copay for 2 prescriptions are also really cheap. T...
by Lynette
Sat Jul 15, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

So the saga continues. I have my own Appeals Adjuster from the Redetermination Office. I received a letter that I was to submit any further documentation in 14 days. My doctor's office told me that they resubmitted the claim for G0402 instead of welcome to medicare exam G0439. However the denial was...
by Lynette
Sat Jul 15, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ally debit card for ATM withdrawals outside the United States
Replies: 23
Views: 1176

Re: Ally debit card for ATM withdrawals outside the United States

One thing that has not been mentioned was that you should call your debit card company to let them that you will be using it out of the country so that it does not trigger a fraud alert. Totally agree. I have actually never used a debit card in my life for a purchase - only for cash withdrawals fro...
by Lynette
Fri Jul 14, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Recommendations...Italy
Replies: 29
Views: 1859

Re: Recommendations...Italy

As recommended above, limit the itinerary. I've been to Italy at least four times as I love history. I was disappointed in Florence - horribly overcrowded. If you want to get a taste of Italy and are not used to traveling on your own, go on a tour. Otherwise limit your itinerary. One year, I spent t...
by Lynette
Wed Jul 05, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 11448

Re: Seeking advice on 1.2m house purchase

My caution is not to underestimate the cost of maintenance as well as the time and hassle of obtaining qualified workers especially in today's market. Otherwise buy a whole arsenal of tools and learn to do the maintenance yourself.
by Lynette
Tue Jul 04, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

Re: Please explain how Medicare Billing works?

Yesterday I cut down a tree with a chainsaw and then lugged 40 bags of soils and mulch from Home Depot to cover that area. So I'm fortunate at 73 to still be in really good health. Lynette, I remember distinctly that in another thread - where you were again climbing tall trees to chop them down wit...
by Lynette
Mon Jul 03, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6515

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 Wel...
by Lynette
Sat Jul 01, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 13270

Re: Bogleheads: you should be buying 10-year old cars

Six years or $60,000 whichever comes first is my mantra. I buy cars late in the model year. For my current one, I got $10,000 off of the list price. I'm retired now so time is not of the essence. I'm single and when I was working if my car broke down, I had to have it towed, rent a car till it was f...
by Lynette
Sat Jul 01, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Hiring an executor for my will
Replies: 72
Views: 7247

Re: Hiring an executor for my will

Jody, Thanks for asking the question as some of us are in the same or similar positions. I have two brothers who are my primary heirs. One lives in a foreign country and the other one about 1,000 miles away. I have designated my US brother as my executor and then my niece and if she refuses (don't k...
by Lynette
Thu Jun 29, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 13
Views: 1576

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

I decided that I was being too neurotic about water in my garage as I've paid $40,000 to solve the problem of water in my basement. I got a quote from Mike the concrete guy. He quoted me $6,200 to redo the bad section of the driveway and $1200 for the rest. In addition there are a few concrete steps...
by Lynette
Thu Jun 29, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: How to direct water away from a sloping driveway - French drain or ..
Replies: 13
Views: 1576

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 p...
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: 8707

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: 8707

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: 18
Views: 1964

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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: 90
Views: 6515

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.