Search found 1597 matches

by drawpoker
Thu Apr 27, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: 7 car noises you should never ignore
Replies: 23
Views: 3970

Re: 7 car noises you should never ignore

The warning about "squealing" brakes might alarm people who don't know certain models (wheel designs) of cars are more prone to accumulating brake "dust" which also causes loud squeals. My Honda Accord is particularly good at this, esp when backing out my driveway in reverse. Tha...
by drawpoker
Wed Apr 26, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1107

Re: How to find a good local mechanic?

Hmmm. You do know, don't you, that Yelp was exposed publicly a few years ago, and suffered some real damage thru subsequent lawsuits, for their fake and phony "reviews' they were posting? A number of lawsuits resulted from Yelp's business practice of pulling (deleting) positive reviews of busin...
by drawpoker
Wed Apr 26, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 3015

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

.... suppose it is possible that there was such a clause .....Now it could be that if my mother had claimed she'd run out of money and that it was due to gifting that there could have been an issue then.... Yes. A big issue. Most of these non-profit CCRC places that have affiliation with one religi...
by drawpoker
Wed Apr 26, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1107

Re: How to find a good local mechanic?

[quote="anil686"]... have a AAA membership and have thought about looking at their approved mechanic list ....[quote] Be careful with AAA. Don't know about Texas but around here AAA-Mid-Atlantic has really gone downhill. For years the designated AAA Road service garage was an actual honest...
by drawpoker
Wed Apr 26, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 3015

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

....For several reasons the nursing care unit proved to be intolerable. He was miserable. My brother found another facility which appeared to be better...... They determined that he could function OK in the assisted living unit. He was happy again...... Oh, boy, can I relate to this one, artthomp W...
by drawpoker
Wed Apr 26, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 3015

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

Many people view CCRCs as a substitute for LTCI. Like insurance, you pay a pile of money up front based on the promise that you'll be taken care of affordably down the road. The early-comers were getting a pretty good deal because the promises could be kept. But as the herd piles in and the corpora...
by drawpoker
Tue Apr 25, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 3015

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

Look at this from the investment aspect of it. At least if you are asking - Are they a good deal? Most of these places say if one spouse is at least 62 years old they are eligible for the buy-in. So, to max out your initial investment (the entry fee) it would be best to go in as soon as eligible (be...
by drawpoker
Tue Apr 25, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5575

Re: $300+ to remove a racoon. Really?

Anyone trying to trap a raccoon needs to be careful. They may look like cute gentle creatures but they get a nasty temper when trapped and will bite. That is why the humane traps have an emergency release door at one end. I have been trapping feral cats for TNR work for years and we get the occasio...
by drawpoker
Sun Apr 23, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7928

Re: Removing a tree - expensive!!!

Don't forget some other possible expenses involved here. Esp. if you live in a designated "Tree City" or some similar "green" type ordinances. Ex: here in next-door to you Md - I was required to obtain permission from the town first. Ordinance does not allow any trees to be remov...
by drawpoker
Mon Apr 17, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 27
Views: 5426

Re: Stunning Increase In Homeowner's Ins Premium

Hartford Insurance is famous for this stunt. Luring people in with low-ball quotes than raising them outrageously a couple years later. Because of the AARP tie-in (just like with UHC there is the b.s. hype "isn't it great to do business with a name you can trust" ! there are regularly tons...
by drawpoker
Sat Apr 08, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 2811

Re: Cold weather family summer vacation ideas

Mackinac Island.
Beautiful, no cars allowed, you take the ferry over.
Frost overnight on Memorial Day weekend not unusual. Daytime temps in July-Aug rarely exceed 75 degrees.
by drawpoker
Sat Apr 08, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5350

Re: Avoiding shafting my local merchants with card fees

I always assume the "cash discount" is code for "we'll give you a discount because I'm putting this in my pocket and not paying taxes on it." I think that is a bit extreme. There is a very large, long-established furniture place in our town that regularly advertises prices with ...
by drawpoker
Sat Apr 08, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 10731

Re: Designing Your Life

2015 wrote:

..... there is much more to life than gazing at your own naval. .....


That's exactly what I have been thinking of saying.

Only I was going to say navel

Not naval. :wink:
by drawpoker
Fri Apr 07, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 10731

Re: Designing Your Life

Hmmmm.

Soooo, in other words, this thread here "Designing Your LIfe" can only have actual relevance to the forum by re-directing everyone to, er, um, other threads?

Still, not getting it :?:

Just call me Dumb & Dumber, I guess... :wink:
by drawpoker
Fri Apr 07, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 10731

Re: Designing Your Life

I don't get it.

What does this have to do with personal finance?

Guess I am just dense. Or dumb.

Please advise what I should be doing to design my life for optimal financial well-being..... :?: :?:
by drawpoker
Thu Apr 06, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5350

Re: Avoiding shafting my local merchants with card fees

@ nyc10036 "Cash" is generally construed as the same as "Good check" ( a term you see a lot at auctions, foreclosure sales, etc) Meaning, the merchant can take that check instantly to the bank and get their money. I actually had an old guy a couple years ago to mow my lawn. Sure ...
by drawpoker
Thu Apr 06, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5350

Re: Avoiding shafting my local merchants with card fees

Timely thread here. Have arranged for a small home improvement project this month with a local business. After the rep came out, surveyed what was to be done, cost of materials, etc. , she phoned back with a quote. Then, without me having to ask, she offered a discounted price if I paid in cash inst...
by drawpoker
Thu Apr 06, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1583

Re: When to enroll in Medicare?

This is the best, most detailed, and clear explanation I have found of the whole subject of when, and just exactly how so as to avoid mistakes, enrolling in Medicare when you plan to work past age 65 and your employer offers a HSA.

https://www.medicareinteractive.org/get ... d-medicare
by drawpoker
Thu Apr 06, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1496

Re: Retirement Age Scenarios (What looks best)?

For the record, the worst performance was a recovery that took almost 6 year (1970's). For the record, worst performance was it took 25 years for the Dow to recover its 1929 high. Aug 24, 1921 to Sept 3, 1929: Up 497% Sept 3, 1929 to July 8, 1932: Down 89% Source, WSJ Market Data Group; "The N...
by drawpoker
Wed Apr 05, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of 'Savings'?
Replies: 25
Views: 1817

Re: What is your definition of 'Savings'?

[quote="Grt2bOutdoors".....I cling to the belief that if I buy equities or bonds when they are drastically marked down I am enjoying some sort of "savings" even if I don't need (not actually true) to accumulate it. [/quote] Those aren't "savings" That is "strategy&...
by drawpoker
Wed Apr 05, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of 'Savings'?
Replies: 25
Views: 1817

Re: What is your definition of 'Savings'?

To get down to brass tacks - Here is an example of "savings" - Saks has a dress I like that is marked down from $200 to $100. The ad screams " Save $100! " Now, if I buy the dress, have I "saved" $100? No. I spent $100 If I don't buy the dress, have I just "saved&q...
by drawpoker
Wed Apr 05, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1496

Re: Retirement Age Scenarios (What looks best)?

Well, that is a very odd chart, isn't it. At least they are honest, showing the 10% to 20% range. Aren't listing the 20% and higher stuff. So as not to frighten the faint-hearted, eh, maybe? Right off, I saw it doesn't list some of the scarier roller coaster rides I have been on. Like Oct 19, 1987, ...
by drawpoker
Wed Apr 05, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1496

Re: Retirement Age Scenarios (What looks best)?

What jumps out at me - the projections you have made for your investments (401-k and taxable) five years from now. When you are age 50. Do you honestly think the present eight year bull is going to continue? What is your asset mix in the 401-k? The present bull is not the longest in history, true. B...
by drawpoker
Wed Apr 05, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: BH Divers: Liveaboard recommendations
Replies: 24
Views: 1479

Re: BH Divers: Liveaboard recommendations

Oooops, got it now :oops:
by drawpoker
Wed Apr 05, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2694

Re: Medigap Plan F Increases

m This is one of the comprehensive docs I found online. Bill text is clear too (4) Treatment of references to certain policies.--In the case of a newly eligible Medicare beneficiary, except as the Secretary may otherwise provide, any reference in this section to a medicare supplemental policy which...
by drawpoker
Tue Apr 04, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2694

Re: Medigap Plan F Increases

Yeah plan f will go away and everyone's new best friend will be plan g and plan f hd will become plan g hd (new thing starting 2020) so a deductible of 183$ for all plans offered. No biggie. No biggie? will become plan g-hd? new thing starting 2020? Yes, it has been brought up, but to my knowledge,...
by drawpoker
Tue Apr 04, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2694

Re: Medigap Plan F Increases

Maybe I don't really understand what medical underwriting is. To get Medicare B, I worked with SS. To get AARP Medigap F, I had to answer a whole lot of questions. This was administered by the Medicare Health Exchange. I had to do a voice signature. I was sent a copy of my answers by UHC AARP. I as...
by drawpoker
Tue Apr 04, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2694

Re: Medigap Plan F Increases

....am just playing with numbers to see piece together the whole picture. Please let me know if I left anything out. 1 ......+ Medicare Supplement Plan F - high deductible (about $76/month) ..... 2 ....Minimum alternative... ...... ride out prescription costs and no-limit out of pocket As for #1 - ...
by drawpoker
Tue Apr 04, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare or Medicare
Replies: 9
Views: 964

Re: Obamacare or Medicare

misterno wrote:You can not get medicare because you did not have enough working credits which is 40


That is incorrect. Spouses who did not work, and are therefore not eligible for Social Security on their own, are eligible for Medicare through the spouse.
by drawpoker
Mon Apr 03, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2694

Re: Medigap Plan F Increases

With Equitable 3 years, issue age, went from $136 to 145 to 158 this year. Not sure what I'm going to do when the rates really spike after 2020. Ah, I remember, montanagirl. Wasn't I one of the ones who sold you on the virtues of issue age? Am Positively Green with Envy at your $158 premium. I am n...
by drawpoker
Mon Apr 03, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2694

Re: Medigap Plan F Increases

Nearly all plans in Ohio increase with attained age. Is your state an attained age state(s) or an issue age state? If you are asking me ? (the OP) - Maryland does not regulate that aspect of the Medicare supplement market. The 36-odd insurers licensed here to sell Medigap are allowed to use any of ...
by drawpoker
Mon Apr 03, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2694

Medigap Plan F Increases

Am entering my 4th year on Medicare, signed up for Plan F from the git-go. Today I got my renewal notice (BC-BS Maryland) My new premium for this year represents a 16% increase. Previous increases were: 8.1% in 2015 and 12.8% in 2016. How do these percentages compare with the rest of you that are on...
by drawpoker
Sat Apr 01, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: New home expenses versus a high (overly-high?) savings & investment rate
Replies: 20
Views: 2801

Re: New home expenses versus a high (overly-high?) savings & investment rate

....I'm also in a region that reportedly has some of the highest property taxes in the state. (I did submit a form for some kind of "homestead exemption," which is supposed to be good for up to $1k savings if I understand it correctly.) Usually, the homestead exemption only defers future ...
by drawpoker
Sat Apr 01, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: New home expenses versus a high (overly-high?) savings & investment rate
Replies: 20
Views: 2801

Re: New home expenses versus a high (overly-high?) savings & investment rate

Somewhat related: Is there such a thing as saving "too much," and not having enough to reasonably enjoy the present, in addition to not shooting yourself in your future foot? Specifically to the question about about saving too much... it's a question I've pondered myself. Yes, it is possi...
by drawpoker
Sat Apr 01, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: New home expenses versus a high (overly-high?) savings & investment rate
Replies: 20
Views: 2801

Re: New home expenses versus a high (overly-high?) savings & investment rate

Being a fellow homeowner - am just going to address the issues you raised on the house itself. Not the financial decisions on how to spend your money. First off - if there was a sewer backup shortly after you moved in - well, if it was cleared out properly by a proff. service like RotoRooter or a co...
by drawpoker
Sat Apr 01, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: I'm thinking "no" on Medicare - pls confirm
Replies: 32
Views: 3774

Re: I'm thinking "no" on Medicare - pls confirm

...... The cost you cite sounds high for a combination of Part A, B, D and Medigap. Not if the OP is very high income. For 2017, his monthly Part B premiums could be as much as $429. Throw in Plan F Medigap and you're up to around $8,000 a year at a bare minimum. Figure another $1,000 - $2,000 for ...
by drawpoker
Sat Apr 01, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: which state is better to die in / do probate in?
Replies: 17
Views: 1508

Re: which state is better to die in / do probate in?

@Gill I wouldn't be so quick to think all states have just "slight differences" among them. Add NJ to the list of ones to avoid at all costs. Maybe put it to the top of the list of Bad States to Die In. Based on this eye opening thread which reveals how unbelievably lax Garden State probat...
by drawpoker
Sat Apr 01, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Dizzying Medicare options [in Massachusetts]
Replies: 64
Views: 4259

Re: Dizzying Medicare options [in Massachusetts]

... am concerned about the "Part B excess charges" that plan N does not cover and what that might amount to. ........understand that by state law the excess charges can not be over 15% of medicare approved rates, but given one costly procedure, 15% could be a chunk of change. Where are yo...
by drawpoker
Fri Mar 31, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 67
Views: 5210

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

Frankly, I think even some banks don't fully understand purpose/principle/logistics/ of the Medallion Signature deal and how this represents an important service to customers. Last year, I needed to set up option for electronic transfers from Fidelity and TRowePrice mutual funds to my checking accou...
by drawpoker
Wed Mar 29, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: NYS medicaid Pre 65 - no asset test?
Replies: 17
Views: 1255

Re: NYS medicaid Pre 65 - no asset test?

Yes, but there are two (2) components to the energy assistance available to certain low-income households. The federal portion, as you cited, which is primarily intended for the heating season, is indeed part of a block grant to the states, and carries the warning when the money runs out, that's it....
by drawpoker
Mon Mar 27, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: NYS medicaid Pre 65 - no asset test?
Replies: 17
Views: 1255

Re: NYS medicaid Pre 65 - no asset test?

Also, with a projected income that low, he will also be eligible for the energy assistance program. They don't count assets either. Just goes strictly by whatever monthly income you had in the 30 day period prior to putting in application. He will get considerable help to pay for both winter heatin...
by drawpoker
Mon Mar 27, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 48
Views: 4928

Re: Geico insurance rate increase: 26.24% APY?

How long have you been with Geico? Five, six, seven years? All of the insurance companies are now doing what is called Price Optimization. SnakeFarm and a few others call it by a diff name: "predictive modeling" they use data mining to target longtime customers and think they can identity ...
by drawpoker
Mon Mar 27, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Advice needed
Replies: 6
Views: 652

Re: Insurance Advice needed

Am no insurance agent here, either. But at age 27 the most likely way OP would die anytime soon is by accident, not illness. Was the whole life policy written to include double indemnity? For accidental death? 27 years ago that was pretty much the norm on term life policies as it didn't increase the...
by drawpoker
Mon Mar 27, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: NYS medicaid Pre 65 - no asset test?
Replies: 17
Views: 1255

Re: NYS medicaid Pre 65 - no asset test?

Also, with a projected income that low, he will also be eligible for the energy assistance program. They don't count assets either. Just goes strictly by whatever monthly income you had in the 30 day period prior to putting in application. He will get considerable help to pay for both winter heating...
by drawpoker
Mon Mar 27, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: NYS medicaid Pre 65 - no asset test?
Replies: 17
Views: 1255

Re: NYS medicaid Pre 65 - no asset test?

k....This is very interesting,it certainly seems that he will get insurance for free. drawpoker - Out of interest I did look into Foodstamps in NY and you are correct there is no asset test here, only an income test of ~17k a year. .... despite the stigma does not really appear to be 'bad' insuranc...
by drawpoker
Mon Mar 27, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798470

Re: What Book Are You Currently Reading? Part VI

"Settle For More" Megyn Kelly's autobiographical account of her TV news career, which, naturally, most of which concerns her enormous trouble with TRump during the 2016 presidential campaign.
Lots and lots of juicy insider stuff! [OT comment removed by admin LadyGeek]
by drawpoker
Mon Mar 27, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: NYS medicaid Pre 65 - no asset test?
Replies: 17
Views: 1255

Re: NYS medicaid Pre 65 - no asset test?

Be sure he checks into food stamps as well. Many states (like Maryland) removed the assets/resources limits on the SNAP (food stamp program). Maybe NY did too? Just to clarify about Medicaid expansion in the states that adopted it - the rule eliminating the asset test applies only to regular Medicai...
by drawpoker
Sun Mar 26, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital billing nightmare
Replies: 26
Views: 2715

Re: Hospital billing nightmare

We have a C-section charge of the aforementioned $2,854.61, but there is also another C-section charge allocated to a different doctor for $230. I believe that is the pediatrician.[/quote] Probably not. At that price, sounds more like the fee for whomever performed the Apgar test(s) Which must be d...
by drawpoker
Sun Mar 26, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 22
Views: 2931

Re: Emergency Fund...Savings, Money Market, or CD?

Yeah, but this is supposed to be an Emergency Fund - OP won't be tapping the money unless something dire happens. So, every month he is buying more shares (re-investing all dividends) Even as GinnieMae funds NAV prices may drop (as they have been doing for months) the amount of the dividends (per sh...
by drawpoker
Sun Mar 26, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital billing nightmare
Replies: 26
Views: 2715

Re: Hospital billing nightmare

Wow, what a mess to have to deal with. Especially during a time when you and your wife should be enjoying this special event in your lives. Without having this hassle. Can't help with you with any of this insurance mess - except to say this - It caught my eye when you wrote your wife had a C-section...