Search found 756 matches

by montanagirl
Mon Jul 24, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 152
Views: 10569

Re: Books not to read.

Are all Victorian English novels bloated messes? That's my impression from reading (some, not all) Hardy, Dickens, A.Trollope, George Eliot, Brönte (C & E). Was it all part of the general oozy excess of the Victorian era? They were serialized and I believe they did have to hit a page or word nu...
by montanagirl
Mon Jul 24, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Medicaid Article
Replies: 16
Views: 2447

Re: NYT Medicaid Article

The one nursing home here that I have experience with has a separate Medicaid ward. The (shared) rooms are more cramped and there are fewer staff, slower response times etc.

I shall do the same as Victoria plans, spend down my wad in situ and expect then to be moved to the far ward.
by montanagirl
Mon Jul 24, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 42
Views: 3142

Re: Pay yourself first.

I do. I did it today. I have a rough budget in my head, and scrape what's left over to savings.

Love the concept. It characterizes savings as reward rather than self-denial.
by montanagirl
Sun Jul 23, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 110
Views: 5052

Re: Investing Education and Mansplaining

Videos are a drag. They take too much time to watch. Short written articles would be more convenient.
by montanagirl
Sun Jul 23, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: NYT Medicaid Article
Replies: 16
Views: 2447

Re: NYT Medicaid Article

littlebird wrote:Not a whole lot of expertise on display.


I don't think it was supposed to be a how-to article.
by montanagirl
Sat Jul 22, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 152
Views: 10569

Re: Books not to read.

I agree. Jane Austen, while infuriating much of the time, can be an acquired taste, or at least acquired appreciation- she was for me. That chapter is great. One of the things people don't like about Jane Austen is her attention to the mundane, i.e. financial details. Tacky to discuss dowries? She ...
by montanagirl
Fri Jul 21, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 63
Views: 5612

Re: Most Americans don't trust financial advisers

Taught in schools? That's news to me, especially since personal finance isn't taught in any high schools TMK. If you haven't already, I recommend checking out this thread: https://www.bogleheads.org/forum/viewtopic.php?t=223842 At my high school I took personal finance, however, it was an elective ...
by montanagirl
Thu Jul 20, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 1749

Re: SAT scores - whats the point??

If shelling out tuition really means getting loans, scholarships and Pell grants, all the more reason to make sure the student can compete. And it would feel terrible to realize that everyone else is smarter or at least working much harder. Yet a student making it through State U can still make a su...
by montanagirl
Sun Jul 16, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Please explain how Medicare Billing works?
Replies: 90
Views: 6272

Re: Please explain how Medicare Billing works?

I had this happen, my billing was for annual at 9 months into MC by my GP, I called they billed it as welcome, all is good. Same happened to me. I asked expressly for the Welcome visit but it was coded as an annual. Easy mistake since I always went in for an annual anyway. U emailed Billing and it ...
by montanagirl
Wed Jul 12, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Home made "Trail mix"
Replies: 13
Views: 878

Re: Home made "Trail mix"

Dupe post.
by montanagirl
Wed Jul 12, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Home made "Trail mix"
Replies: 13
Views: 878

Re: Home made "Trail mix"

Costco has big jugs of unsalted mixed nuts that make a great trail mix when you add raisins.
by montanagirl
Sat Jun 24, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 6612

Re: Your Favorite Vanguard Fund

I like Balanced index. I'd like move everything to for my rmd a couple years hence.
by montanagirl
Sun Jun 18, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6400

Re: So sick of it!

spitty wrote:I'd pay it off especially because interest isn't deductible. .


Why isn't it deductible? Is that something to do with sofi?
by montanagirl
Mon Jun 12, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement or permanent limbo around 50?
Replies: 19
Views: 2389

Re: Retirement or permanent limbo around 50?

It happened to my brother - laid off at 51 by Unisys (**spit**) and never worked again. After he went through UE, savings and selling his house, our dad supported him and his kids and disabled wife.

It made me cling to my cruddy job until I was laid off at 65.
by montanagirl
Sat Jun 10, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 7405

Re: Meeting with retirement guru, specializes in federal govt employees

About FEHB. My friend was retired federal (Forest Service) and has Mail Handlers health insurance with her Medicare. I believe that is one form of FEHB. I have helped her through a number of crises, and she's been in and out of the nursing home several times. Last time I learned that Mail Handlers d...
by montanagirl
Fri Jun 09, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Medicare users - what type of plan(s) do you use?
Replies: 26
Views: 2446

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

Plan F for 2 years, now switching to Plan G. It's a no brainer, really, though Plan F was damn convenient. I'm not sure however that I passed the underwriting...quite involved and I am afraid of forgetting something and losing coverage.
by montanagirl
Tue Jun 06, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 39
Views: 3984

Re: Mouse In Apartment

I am cat lover but beware, they like to bring in live mice and let them go. Drives me crazy. It could be because I have 2 cats and they show off for each other. This is the only reason for ouroyse problem!

If uncaught, the mice tend to retreat to a closet, and eventually die.
by montanagirl
Sun Jun 04, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: How do you keep spouse informed of family finances?
Replies: 38
Views: 5592

Re: How do you keep spouse informed of family finances?

When my father learned he had to go into surgery ASAP he wrote a letter for his brother and left it in his file cabinet. He recovered and when I visited I found it easily. It had full directions on dad's trust and assets, who to call etc. I was glad because then I didn't have to ask him a a lot of w...
by montanagirl
Wed May 31, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 6019

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

I've been wondering, are there accountants or bookkeepers who specialize in bill/money management for seniors as a paid service? It seems like an interesting business model, provided one has all the licensing and bonding. So much need, but so much room for embezzlement. A dear friend turned his bill...
by montanagirl
Sun May 28, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Insurance Plans
Replies: 43
Views: 3205

Re: Medigap Insurance Plans

Others : Yes, many people in Medicare Advantage love it and it doe I am concerned about the premium increases of signing up for a plan that will not take new enrollees after 2020. This will make the plan participates older and most likely sicker over time. Others : Yes, G looks like a very intrigui...
by montanagirl
Wed May 24, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13940

Re: i am my own "guy," but not sure I should advertise that

Investing never arises in any conversations I have with friends and acquaintances. Taxes sometimes but investing, never. There are two older ladies I know who routinely talk to me about investing for retirement, but it always seems to come down to their fear. I explain about the market's history of...
by montanagirl
Mon May 22, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4430

Re: Mexican Pacific Beaches

So, what about drinking the water and digestive problems? I've heard of ruined vacations over this. Are things better, say in Puerto Vallarta, or how does one handle this issue?
by montanagirl
Tue May 16, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Any disadvantage to changing MediGap carriers?
Replies: 5
Views: 640

Re: Any disadvantage to changing MediGap carriers?

celia wrote:No underwriting is required if you change from one plan to another with the same letter or a plan with fewer benefits.


Actually I've been thinking of going from F to G and my insurer requires underwriting. It sure surprised me.
by montanagirl
Mon May 15, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 91
Views: 16106

Re: Amazon Echo (Alexa)

based on the commercial, not much in terms of functionality. A bit in terms of usability. Either way, I have no interest in this. I don't use Ok Google command (I do use Google Now, just not the voice activated voice recognition), and I rarely use the voice recognition other than to send very short...
by montanagirl
Mon May 08, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: how to copy old audio cassettes to pc?
Replies: 19
Views: 1512

Re: how to copy old audio cassettes to pc?

I did this some years ago. Worked like this: Download a program called Audacity. (Free from various places, check Google). Connect a cable from the earphone/headphone jack on the cassette player to the microphone jack on the computer. Start Audacity, play the tape, and that's it except for a bunch ...
by montanagirl
Sat May 06, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: question for accountants, business owners: what is normal?
Replies: 3
Views: 563

question for accountants, business owners: what is normal?

I took a part time job as a bookkeeper, which is all new to me, with a company that does about $50 million of business among 3-4 companies in 3 countries. It's kinda surprising to me to see what goes on: customers exceeding their credit limit, customer checks bouncing, vendors sending us past due no...
by montanagirl
Fri May 05, 2017 8:54 pm
Forum: Investing - Theory, News & General
Topic: Buffett/IBM
Replies: 73
Views: 6348

Re: Buffett/IBM

IBM is a dinosaur...Irrelevant. I don't know what they do anymore. Just sell middleware? Like IBM Trusteer? Meh.

They used to make things and employ people.
by montanagirl
Sun Apr 30, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 7409

Re: Does Retirement Planning impact your job performance?

I don't know if this is the same thing, but I came out of retirement and took a part time job in a new field, mainly out of boredom, and am frankly having trouble putting up with my own BS. Meaning, incompetence, trouble being rested enough to work, tired of being interrupted by younger, jollier sal...
by montanagirl
Sat Apr 15, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Cost of Medicare Cataract surgery?
Replies: 20
Views: 1897

Re: Cost of Medicare Cataract surgery?

With plan f I didn't pay anything - except for the expensive pre-op and post-op eye drops which were off-formulary. Yeoww!
by montanagirl
Sat Apr 15, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 26398

Re: Age when you started to max out your retirement accounts?

I maxed out to the 15% limit as soon as my company got a 401k when I was 49. I never did understand why it was capped at 15. HR would send out these long boring missives every month or so (word economy, please??) and I found out years later that the max had been raised to whatever. It was in one of ...
by montanagirl
Fri Apr 14, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: How often are capital gains from Vanguard funds reinvested?
Replies: 31
Views: 1950

Re: How often are capital gains from Vanguard funds reinvested?

The Wizard wrote:Some active funds have Capital Gains Distributions (CGDs).
These can either reinvested or taken as cash.
Many investors here use index funds to minimize CGDs...


Yes, usu once a year in December. Mine are reinvested. Vanguard web site shows the transaction in your account.
by montanagirl
Wed Apr 12, 2017 8:47 am
Forum: Investing - Theory, News & General
Topic: What % of People Invest in the Stock Market?
Replies: 29
Views: 5197

Re: What % of People Invest in the Stock Market?

Well, when more people are in the stock market, say like in 2007, it's kind of a bad sign, isn't it? :wink:
by montanagirl
Sat Apr 08, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 24
Views: 3649

Re: I cut the cord a couple years back but think I'm going back to cable

We did the same thing Feb1, mainly for the broadband. Boy it's a lot clunkier now with 3 remotes! I can't get the cable, Roku TV and Vizio sound board working together..and most the old networks I liked have changed formats.

Costs 103/mo.

But the internet is much faster.
by montanagirl
Mon Apr 03, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 2598

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. :(
by montanagirl
Thu Mar 30, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 39
Views: 3178

Re: quickest or best way to learn Spanish?

Just FYI....the library here in my town offers free access to Rosetta Stone online. If you go that route, you may want to check it out and potentially save some money :-) That's an idea. We're regulars at the library. Meanwhile I ordered one of the less expensive CDs at Amazon just to get started. ...
by montanagirl
Wed Mar 29, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 39
Views: 3178

Re: quickest or best way to learn Spanish?

Don't know the best or quickest way for you, that depends somewhat on what is your most efficient learning style; visual, aural, etc. But many people like Duolingo. Check it out. I did check it out but it's kind of a hassle with the phone. What I'm looking for I think is a CD set I can listen and p...
by montanagirl
Wed Mar 29, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: quickest or best way to learn Spanish?
Replies: 39
Views: 3178

quickest or best way to learn Spanish?

I have signed up and withdrawn from a local Spanish language class at adult ed so many times I can't count. Usually by the time the class rolls around I've lost interest. Ironically, I signed up for a bookkeeping class last fall and went through with that one - and landed a job with a wholesaler who...
by montanagirl
Wed Mar 22, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: How to know if someone has filed your tax returns fradulently?
Replies: 22
Views: 2243

Re: How to know if someone has filed your tax returns fradulently?

I think just using the Where's my refund app at IRS.gov would tell you something.
by montanagirl
Sun Mar 12, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Cuttting the cable tv negotiation & the scam
Replies: 33
Views: 3609

Re: Cuttting the cable tv negotiation & the scam

After dropping cable years ago we recently got back on, mainly because we also missed TCM, and I really wanted the faster broadband again. DSL was just driving me nuts. But now with the THREE remotes - Roku TV, Vizio sound board, and Spectrum cable, operation is unwieldy and half the time the progra...
by montanagirl
Sat Mar 11, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 7543

Re: Anyone sorry they used bonds when starting out

I regret using govt bond fund so much starting out. It was my go-to fund. I loved the monthly dividend dump, which was significant back in the 90s.

I didn't have much and was scared of losing it. :(
by montanagirl
Wed Mar 08, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 24562

Re: How to Die

I have discussed this many times with others in the medical field and see a huge paradigm shift on how different generatons view death. I hope you are correcting for possible bias due to surveyed representatives of the younger generation being young. I get the impression that people who seem enthus...
by montanagirl
Wed Mar 08, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 2933

Re: Help! Need to refund money in PayPal from Nigeria

Wait, I thought OP has the money in his PayPal account?
by montanagirl
Sat Mar 04, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 12190

Re: Just laid off - what to do

Unemployment will withhold for federal taxes at a rate you choose, contrary to what someone said above.
by montanagirl
Thu Mar 02, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Paul Kangas passed away
Replies: 23
Views: 4004

Re: Paul Kangas passed away

PortAlice wrote:NBR was one of the first shows, along with WS Week, that I watched as I became more interested in investing. A toast ... :beer


Same here. Those shows were a ritual for me.

Who was the other host in the 1980s who kinda looked like Kangas?
by montanagirl
Fri Feb 24, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch Fees
Replies: 5
Views: 641

Re: Merrill Lynch Fees

From what I've seen, some people like the hand-holding and a place to go visit their money, if they're not active online.
by montanagirl
Thu Feb 23, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with decision [leaving Edward Jones]
Replies: 11
Views: 1138

Re: Need help with decision [leaving Edward Jones]

Thanks everyone. We have a decision. We will be using Vanguard. I dread dealing with the EJ sales person. However, I dread worse continuing to see how much money they take in fees each month. I plan to let Vanguard handle it and I feel better already!! I will be back after the process and selection...
by montanagirl
Thu Feb 23, 2017 5:54 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 5287

Re: VTIAX now has 0.11% ER

kolea wrote:The ER for VTIAX (and I think all Vanguard funds) does not include transaction costs so the actual expense is higher than the ER. Not sure about funds from Fido and iShares.


Uh, what's this..do they charge when you exchange between funds?
by montanagirl
Wed Feb 22, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Obamacare penalty
Replies: 19
Views: 1205

Re: Calculating Obamacare penalty

As I indicated in my original post, there is an income test and the worksheets consider income from later months (when employed) as annual income to evaluate evaluate ability to pay in earlier months when income was actually zero. Thanks everyone. I appreciate the general advice, but was hoping som...

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