Search found 70 matches

by Magruder
Fri Oct 06, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3948

Re: Retirees, how and how much do you pay for health insurance?

Here's a bargain! Ages 75 & 73. We buy Anthem BC/BS Supplement Plan F High Deductible here in NH. $116.88 per month for both of us totaling $1,402 per year. Additionally, we get a rebate each year of premiums that exceed allowable limits under the ACA - insurers must spend at least 80% of the premiu...
by Magruder
Sun Aug 06, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Trip to Maine
Replies: 30
Views: 2013

Re: Trip to Maine

Skip Route 112 thru NH! To those of us that live here, we're already full! :happy :happy
by Magruder
Fri Jul 07, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5789

Re: What are your health insurance stats?

Two 70+ year olds happily retired in Tax Free NH! Original Medicare Plans A & B Anthem Blue Cross & Blue Shield Hi-Ded Plan F; $501 per year for both of us last three years! Hi-Ded Plan F has a deductible this year of $2,200. Hi-Ded Plan F premiums for each of us are about $2,000 less than premiums ...
by Magruder
Fri Jul 07, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4418

Re: A good VISA card for Gas & Groceries?

With the Amex Blue Cash card, don't forget one can buy $500 Visa gift cards at a grocery store to push annual grocery purchases to the $6000 limit for the maximum 6% cash back. Taking into consideration the $5.95 Visa fee on these gift cards, you will still net a 4.8% discount with the gift cards!
by Magruder
Mon Jun 12, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Any advice on buying headstone for a grave?
Replies: 22
Views: 2005

Re: Any advice on buying headstone for a grave?

Just a year ago, bought a 3' x 2' x 8" thick gray Barre granite monument with granite 4' x 1' x 8" base for $3,170; engraved, delivered and set up in cemetery. No sales tax here in NH either! :P :P
by Magruder
Thu Jun 08, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Medicare users - what type of plan(s) do you use?
Replies: 26
Views: 2792

Re: Medicare users - what type of plan(s) do you use?

Supplement Plan F High deductible. Total cost: $117 per month for both of us 73 year olds.
by Magruder
Tue Feb 21, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 44
Views: 4291

Re: Utility Bills - How do ours compare?

2000 sf single floor home in North Central new Hampshire Avg $65 per month for propane (Radiant heat and domestic hot water) Avg $105 per month for electricity (Heat pump supplying a little a/c in the summer months and most heat during colder months) Municipal water and sewer built into property tax...
by Magruder
Thu Dec 29, 2016 9:19 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 9420

Re: How many of you invest 100% at Vanguard?

100% Vanguard; two traditional IRA's, two Roth's, and disbursements from my mega-corp's pension plans are also handled by Vanguard. One stop shopping!
by Magruder
Fri Dec 23, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: How do states that do not have income state taxes survive
Replies: 25
Views: 2441

Re: How do states that do not have income state taxes survive

Here in "Tax-Free New Hampshire", we have no sales tax, no income tax. Property tax is kinda the kicker, but really not all that bad. $5,400 annual property tax on our home with assessed value of $414K. Mileage may vary in other towns.
by Magruder
Tue Sep 27, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3837

Re: Where to spend January-March in Winter??

Come on over and enjoy New Hampshire's White Mountains for the wintah! We have a dry cold compared to your Maine coast damp cold! Makes all the difference in the world! :D :D
by Magruder
Thu Sep 22, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Advice on Getting Deals for Tires
Replies: 10
Views: 1482

Re: Advice on Getting Deals for Tires

Make sure the tires your replacing have lived up to the manufacturer's mileage warranty. I just had Michelin pay 60% of the price of four new tires because their 65,000 mile OEM tires wore out in about 24,000 miles on my Jeep Grand Cherokee!
by Magruder
Wed Sep 14, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Condo or ski house for summer / snowbird in winter
Replies: 4
Views: 899

Re: Condo or ski house for summer / snowbird in winter

Check out the White Mountains in NH. Maybe Lincoln. Lots of condos, close to 4 major ski areas! Great summer living in the heart of the White Mountains National Forest! Lots to do in the summer compared to Western Maine and the Sunday River area!
by Magruder
Mon Aug 01, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with excise tax on new cars?
Replies: 13
Views: 909

Re: Anyone familiar with excise tax on new cars?

Here in NH, vehicle excise tax is collected annually at the time of registration or re-registration. It is based on the vehicle's MSRP and age. The tax rate on a new car is 18 mils and then it drops 3 mils each year until it reaches 3 mils, and it then stays at that level forever. For example, the e...
by Magruder
Thu Jul 14, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 5176

Re: Do you have any retiree healthcare benefit from your employer?

Voluntarily retired at age 55 from Life Sciences biggie. Have HRA funded annually via Towers Watson (One Exchange). Spouse and I get a total subsidy of $3,300 per year to pay premiums on Medicare Part B, Part D, and/or Medigap policy. Any remaining balance can be used to reimburse out-of-pocket medi...
by Magruder
Thu Apr 07, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Help with cleaning glass shower doors
Replies: 32
Views: 3240

Re: Help with cleaning glass shower doors

Use your mother's and grandmother's cleanser - Bon Ami! Made by the same folks as Barkeeper's Friend. Can be used on fiberglass tubs and shower stalls as well without scratching! No chlorine odor as in other cleansers like Comet.
by Magruder
Wed Feb 03, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 10967

Re: perfectly happy with cable

Happy here; HD tier with about 200 channels, Showtime, and basic 15 Mbps internet for $51 and change as a participant in a homeowner association bulk buy. 225 members; my monthly charge is included in association dues. Have to pay TW directly for set top box rental and any other upgrades.
by Magruder
Sun Dec 27, 2015 12:58 am
Forum: Personal Consumer Issues
Topic: First Time Travelling for Work- Looking for Tips/Advice/Suggestions
Replies: 39
Views: 2663

Re: First Time Travelling for Work- Looking for Tips/Advice/Suggestions

Never use your home address when checking in at hotels; use your office address instead!
by Magruder
Thu Oct 15, 2015 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: 50% pay increase to move from family, 5 years from retirment
Replies: 27
Views: 2999

Re: 50% pay increase to move from family, 5 years from retirment

We hesitated as well, until some friends said to us "Your kids and their kids will find you wherever you go!" We took heed, we did it, they continue to find us, and we've never looked back! By the way, living in tax-free New Hampshire's White Mountains is great! You all should have been he...
by Magruder
Fri Apr 24, 2015 6:29 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 5641

Re: Who still have Cable TV?

I have HD cable TV package including Showtime with basic internet and modem included from Time Warner for $51 per month. Group buy through homeowners association.
by Magruder
Sun Apr 19, 2015 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 4412

Re: Ameriprise

Not to steal the thread, but I've been trying to think of the name that the present Ameriprise operated under for many, many years. Anyone?
by Magruder
Tue Mar 31, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 41
Views: 4622

Re: Ad Blockers

Adblock, as opposed to Adblock Plus, on Chrome. No issues! Sweet! :happy
by Magruder
Mon Jan 12, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: For those under $20/month/$100k: What Insurance Comp?
Replies: 11
Views: 2129

Re: POLL: For those under $20/month/$100k: What Insurance Co

MMG Ins. Co. (Formerly Maine Mutual General Ins. Co.). I believe they only write policies in Maine & New Hampshire.
by Magruder
Mon Jan 12, 2015 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 9354

Re: POLL: Homeowners Ins cost $/month per $100k home value?

$18.88 per month per $100,000. $312,000 value,10 year old house in the mountains of New Hampshire.
by Magruder
Mon Dec 29, 2014 9:06 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 8869

Re: What did you enjoy spending money on this year?

My grandchildren's college tuition!
by Magruder
Tue Oct 21, 2014 8:13 am
Forum: Personal Consumer Issues
Topic: Medigap Plan F, Hi-D
Replies: 5
Views: 752

Re: Medigap Plan F, Hi-D

I have this plan with Anthem BC/BS in New Hampshire. Pleased with it, and have saved money (so far) as compared to Plan F. Charges are first sent to Medicare, then to Anthem where they just apply the amount that Medicare indicates is owed by the patient to their deductible. Once the plan's deductibl...
by Magruder
Mon Aug 04, 2014 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Sensible planning for MediGap choices given price dispersion
Replies: 18
Views: 1204

Re: Sensible planning for MediGap choices given price disper

I remember being told many years ago that "Most insurance is sold, rather than bought." Given all the glossy mailings I have gotten from health care insurers, that could be a factor here!
by Magruder
Tue Jul 22, 2014 9:40 am
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 4029

Re: How to track expenses to the penny?

Quicken here too, but only since 1/1/90 - it has actually become a perverted hobby! Drives me crazy that I have to categorize about $100 per year as "Unaccounted For!" That reminds me, I'll have to check for change under the sofa cushions again this year!
by Magruder
Wed Jun 11, 2014 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Poll on Retiree's Health Insurance Plan
Replies: 21
Views: 1778

Re: Poll on Retiree's Health Insurance Plan

In addition to having Medicare, my ex-employer funds a Health Retirement Account (HRA) for me with $1600 tax-free per year and another $1600 for my spouse. I then choose a plan, Medicare Advantage or Medigap, from several offered thru a private exchange, chosen by the employer. The premiums are paid...
by Magruder
Tue May 27, 2014 4:36 pm
Forum: Personal Consumer Issues
Topic: Best Large Purchase(s) Ever?
Replies: 45
Views: 4203

Re: Best Large Purchase(s) Ever?

Other than homes, an airplane! Bought it, finished up my flying lessons in it, got my license in it, flew it for 4 years, got flying out of my system, and then sold it for a 50% premium four years later, altho the operating costs over the four year period ate up that "profit." Thus, learni...
by Magruder
Fri May 02, 2014 4:55 pm
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 75
Views: 7674

Re: A Short Survey for Retirees

I occasionally find myself still at work and still stressed out in my dreams, or should I say, nightmares! It's a bummer!
by Magruder
Fri Apr 18, 2014 11:29 am
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 3708

Re: Quicken 2014 opinions wanted

Upgraded from Q2011. In spite of the dire warnings, I've had no issues or problems.
by Magruder
Wed Apr 09, 2014 8:47 am
Forum: Personal Consumer Issues
Topic: Front License Plates for new Subaru
Replies: 8
Views: 1677

Re: Front License Plates for new Subaru

Was this not an American built car assembled in Indiana?
by Magruder
Sun Apr 06, 2014 4:21 pm
Forum: Personal Consumer Issues
Topic: Propane and HOA Costs for Home
Replies: 7
Views: 739

Re: Propane and HOA Costs for Home

Propane and HOA's go together! Here in NH, our 225 home association negotiates a 12 month propane price every year. Have been paying $1.64 per gallon since last August, while local individuals have been paying over $3.00 per gallon. We also have negotiated very good rates for cable TV and internet; ...
by Magruder
Tue Apr 01, 2014 2:21 pm
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 35
Views: 14760

Re: Blog: Vanguard Personal Advisor Services

Surprised no one has chimed in with comments after "test flying" this new service. Anyone?
by Magruder
Mon Mar 24, 2014 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 6173

Re: Do you work part time in retirement?

I work part-time loading a lift and checking tickets at a ski area. Mostly weekends, when it is too crowded to enjoy skiing anyway. Earn ski privileges for me and the grand-kids as a bonus!
by Magruder
Mon Mar 10, 2014 2:05 pm
Forum: Personal Consumer Issues
Topic: RightSource--Mail Order Drugs
Replies: 10
Views: 1521

Re: RightSource--Mail Order Drugs

I feel your pain, but my experience so far with Humana & RightSource has been excellent. We switched to them this year under their $12.60 per month plan, submitted my wife's and my prescriptions for several generics by mail right after the first of the year, and they were shipped and received wi...
by Magruder
Sun Mar 02, 2014 6:13 pm
Forum: Personal Consumer Issues
Topic: AMEX rewards on Kroger error
Replies: 15
Views: 2742

Re: AMEX rewards on Kroger error

Not to hijack this thread, but I have a similar issue with Discover's Oct - Dec 5% cash back offer on all on-line purchases up to $1,500. Did not get 5% credit for four appliance purchases made at Home Depot and Lowes on line. Followed up with customer service after the Dec statement and again after...
by Magruder
Thu Feb 20, 2014 9:16 am
Forum: Personal Consumer Issues
Topic: VZW Customers Check Out New Plans
Replies: 24
Views: 3305

Re: VZW Customers Check Out New Plans

I looked at the Verizon site but it didn't offer me anything less. Can anybody advise me if I am missing something? I just have one phone - a Blackberry. I have unlimited voice and text and was able to get a plan with only 300 Meg of data per month. My data use is always about 25 or 30 meg as I onl...
by Magruder
Sat Feb 15, 2014 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Smart Home Purchase?
Replies: 21
Views: 2895

Re: Smart Home Purchase?

In the limited time you plan to own the condo, an un-forseen assessment could show up!
by Magruder
Tue Jan 07, 2014 8:20 pm
Forum: Personal Consumer Issues
Topic: toaster oven
Replies: 7
Views: 840

Re: toaster oven

I got a free one for meeting a sales quota a few years ago; or maybe it was for opening a checking account!
by Magruder
Fri Nov 22, 2013 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Lockheed Martin Retiree Medical Cost
Replies: 12
Views: 4389

Re: Lockheed Martin Retiree Medical Cost

I'm a retiree of yet another large company. Company recently dropped us from their employee health care programs, but gave us a cash subsidy (tax free) to buy health care through a private exchange known as Extend Health. Subsidy ranges up to $1,800 per person depending on age at retirement and year...
by Magruder
Tue Nov 12, 2013 5:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Sunday Delivery
Replies: 11
Views: 1328

Re: Amazon Sunday Delivery

mlipps; its Amazon's shipping company, UPS for the most part, that isn't delivering seven days a week. UPS delivers five days a week; and Saturday delivery consists of next day air packages only. (After working 10-14 hours per day for five days, my son appreciates Sat and Sun off!)
by Magruder
Wed Oct 30, 2013 3:23 pm
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 7635

Re: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan

We also have had no problems with Silverscript this past year. Got our renewal packages including notice of the $4 premium increase - they kindly indicated that we wouldn't have to lift a finger to continue with their plan for 2014. However, we have lifted a finger! We switched to Humana's Walmart p...
by Magruder
Wed Sep 18, 2013 7:26 pm
Forum: Personal Consumer Issues
Topic: Washing Clothes with Dishwashing Soap?
Replies: 12
Views: 36936

Re: Washing Clothes with Dishwashing Soap?

Don't forget, that laundry detergents contain a significant quantity of optical brightener, a synthetic dye that keeps your whites looking white! (Think the bright, fluorescent white you see on white clothes when you're hanging out in a club with so-called black lights!) This brightener replenishes ...
by Magruder
Wed Sep 18, 2013 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Extend Health [NOT a medical post!] [Medicare Exchange]
Replies: 12
Views: 1870

Re: Extend Health [NOT a medical post!] [Medicare Exchange]

My company, a large Pharma company , also moved retirees to Extend Health's exchange last year. Given the subsidy we were given, it it a much better arrangement than the company plans we were able to choose from the year before, which were geared to active employees. I didn't feel that the Extend He...
by Magruder
Wed Sep 11, 2013 6:02 pm
Forum: Personal Consumer Issues
Topic: Wife: Surprise, we now have a cat.
Replies: 89
Views: 11145

Re: Wife: Surprise, we now have a cat.

I finally figured out that a cat does not like a scratching post that is not stable. Linky No. 1 and Linky No. 2 both loved a scratching board I made with just a 3/4" x 8" wide board about 18" long. I covered it with a couple layers of upholstery fabric samples that I got at a local f...
by Magruder
Fri Aug 09, 2013 9:45 am
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 65
Views: 8814

Re: 1987 stlye crash on the way?

As others have mentioned, they would merely rebalance. How quickly does a fund like Wellington or Wellesley Income rebalance in these situations>
by Magruder
Thu Jul 18, 2013 3:37 pm
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 21493

Re: [Sad news - Pat Larimore]

Taylor,
I am so sorry to hear about your loss.
John
by Magruder
Fri Jun 28, 2013 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Wellesley shares quarterly or take dividends?
Replies: 2
Views: 739

Sell Wellesley shares quarterly or take dividends?

I take monthly withdrawals from Wellesley Income which I hold in my traditional IRA. These withdrawals are roughly equivalent to the dividends. Is there any advantage to taking the dividends as cash versus my periodic selling of shares?
by Magruder
Wed Jun 19, 2013 3:37 pm
Forum: Personal Consumer Issues
Topic: Installing lightning rods - who, how much?
Replies: 19
Views: 1848

Re: Installing lightning rods - who, how much?

Traveling around New England, I've seen many old farm houses with lightning rod systems. I never noticed very many systems installed on newer buildings. I think there must have been some very good lightning rod salesmen on commission that roamed all of New England in the late 1800's and early part o...