Search found 754 matches

by RudyS
Mon Oct 23, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 47
Views: 2119

Re: what is your weekly workout routine?

Levett wrote:
Mon Oct 23, 2017 4:34 pm
75 yo. Lifting (3 days weekly), stretching and aerobic (6 days a week). 45-60 minutes each session. And single malt scotch at 5 p.m. :D

Lev
I posted my routine, but forgot to mention the 5 PM scotch! That might be the key to the whole thing. :beer
by RudyS
Mon Oct 23, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 47
Views: 2119

Re: what is your weekly workout routine?

You folks work hard, but I'm sure it's worth it. I'm 81, male, and I do what I hope is enough to keep me from falling behind. If I were younger this probably wouldn't be enough. Every other day, in front of a tv on which I record shows like ax men, deadliest catch, ice road truckers, etc. I can watc...
by RudyS
Mon Oct 23, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Commission only fiduciary planner
Replies: 95
Views: 2834

Re: Commission only fiduciary planner

Thank you, I fully feel that the FAs will be very charming, charismatic and personable people. I am sure their office will be set up to some how psychologically make people feel at ease. And I will certainly go into it knowing they are trying to make money off of me. Too many people that have recom...
by RudyS
Sun Oct 22, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Who does the portfolio reviews and why?
Replies: 19
Views: 1042

Re: Who does the portfolio reviews and why?

Maybe a smidgen off topic, but I participate in those threads which relate to something I have some knowledge about. I enjoy doing it. Also sort of payback for benefits I received from these forums. Portfolio analysis is unfortunately not one of my strong suits. I use a simple asset allocation imple...
by RudyS
Sun Oct 22, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 9
Views: 565

Re: Most economical way to ship clothing?

Check out the on-line calculators for USPS, UPS, Fedex, for their various classes of services. You will need box dimensions and weight.
by RudyS
Sat Oct 21, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about Part D IRMAA
Replies: 13
Views: 561

Re: Confusion about Part D IRMAA

If you didn't sign up for Part D, you won't have to pay either the basic premium or the IRMAA for Part D. A friend on a MA plan just advised me the following: "The guy has to wait for a letter from SS. There should be three. 1) welcome to Medicare, here is your Part B premium. 2) You are IRMAA; her...
by RudyS
Fri Oct 20, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 64
Views: 5041

Re: Worry market crush, selling 50%, but increase buying 100%

Ok folks, I have sat through all the changes since I first started investing in 1964 (I'm 80). Never sold at lows. Just kept investing. Still invested at 65/35. Not going to sell now. I'm dealing with the kids' inheritances since we are fortune to be well covered for our own needs. I believe the lev...
by RudyS
Fri Oct 20, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: New Home Owner Help
Replies: 8
Views: 442

Re: New Home Owner Help

I tried that - the heat exchanger was covered by manufacturer therefore homeowners insurance refused to cover. Exchanger is free installation is $860 Cracked collector is $382 but home owners insurance does not cover that part of furnace or labor associated with it. I think you meant home warranty ...
by RudyS
Thu Oct 19, 2017 9:32 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Better To Face The Correction
Replies: 51
Views: 6370

Re: Larry Swedroe:Better To Face The Correction

If it does fall 85% over the next year, I am going to beat Warren Buffett to the front of the line - buying with whatever cash I have on me. Buy when there is blood on the streets. Really? What if it only falls 80%? Would you wait until it hits 85%? Or even better, what if it falls 10% every month....
by RudyS
Thu Oct 19, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: When is a Power of Attorney not valid?
Replies: 2
Views: 456

Re: When is a Power of Attorney not valid?

More complications: Vanguard, for one, will not recognize a POA drawn up by a "random" attorney. They require use of their own "agent authorization" document. (This, despite being in PA where state law requires acceptance of any valid POA). Other institutions may be similarly recalcitrant. Better to...
by RudyS
Thu Oct 19, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: medicare supplement
Replies: 29
Views: 1896

Re: medicare supplment

Only difference between F and N is plan N doesn't pay part B deductible or part B excess charge. DW had a stroke last April, and her plan N has forked out over $100K for her care. My AARP UHC Plan N specifies that I pay up to a $20 fee for office visits. Deciding on N vs F or G should consider the ...
by RudyS
Wed Oct 18, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 21
Views: 784

Re: Using a broker for a Supplemental Medicare Plan?

I've been using a broker for 11 years now, and my Medicare Supplement premium is $0.00. Can't do much better than that. This is surprising. Are you sure you have a medicare supplement? You do realize that a Medicare Advantage plan is NOT a medicare supplement plan? That's a good question, but the w...
by RudyS
Wed Oct 18, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 21
Views: 784

Re: Using a broker for a Supplemental Medicare Plan?

I've been using a broker for 11 years now, and my Medicare Supplement premium is $0.00. Can't do much better than that. This is surprising. Are you sure you have a medicare supplement? You do realize that a Medicare Advantage plan is NOT a medicare supplement plan? That's a good question, but the w...
by RudyS
Wed Oct 18, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Registering/titling new car myself
Replies: 6
Views: 710

Re: Registering/titling new car myself

An MCO is a manufacturer's certificate of origin. You would take the MCO and sales order from the dealer to your registry of motor vehicles, if you were in Massachusetts. You'd have to have a stamped RMV-1 form from your insurance company, showing that you have insurance on the car. At the registry...
by RudyS
Wed Oct 18, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 21
Views: 784

Re: Using a broker for a Supplemental Medicare Plan?

My former megacorp employer provides a subsidy for our Medigap coverage. But to get it, we have to go through AON. They have a web site to help select plans, but the results are identical to what I find on the Medicare.gov site. I haven't used this yet, but in theory AON would help if I have a probl...
by RudyS
Wed Oct 18, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 40
Views: 3253

Re: Why not switch from Medigap F to G now?

BH forums come through again. Spoke with an AARP/UHC rep. this afternoon. Was told that I can switch from F to G at this time with no underwriting. The monthly premium (11/2017-10/2018 rate) drops from 146.19 to 123.56, which should cover the Part B deductible (183.00 in 2017, not sure about 2018)....
by RudyS
Wed Oct 18, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5178

Re: Toilet Woes

Thanks for the update.
by RudyS
Tue Oct 17, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 40
Views: 3253

Re: Why not switch from Medigap F to G now?

Just this week, I just made the switch from F to G. Both at the same company, AARP United Healthcare. Handled via a phone call. I answered a few questions about recent health history. Choice of start dates: Nov 1, Dec 1, Jan 1. My autopay info was ported. It was done in a few minutes. Does this mea...
by RudyS
Tue Oct 17, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5103

Re: Best way to make some dollars on a 10 day vacation?

Some people seemed to have missed this part: As I have no plan for a travel or trip somewhere The OP is looking for things to do in and around home. Just because he has no current plans doesn't mean that an idea involving travel would not be interesting. This is a brainstorming session - keep every...
by RudyS
Mon Oct 16, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze for infant
Replies: 3
Views: 466

Re: Credit Freeze for infant

Does the kid even have a credit record? Would anyone even open an account for them?
by RudyS
Mon Oct 16, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3314

Re: Verizon TravelPass

So, from a travelpsass country abroad, if you call or text a number in the US and the travelpass country you are in, Verizon simply counts those call minutes as if called within US? And if you call a number outside the country that you have travelpass for, then international rates apply. Is this co...
by RudyS
Mon Oct 16, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard's federal ID number for 1099R that hasn't arrived yet
Replies: 6
Views: 438

Re: Vanguard's federal ID number for 1099R that hasn't arrived yet

I don't think Form 1040 needs their tax ID number. Maybe the software wants it, but I don't think the software will submit the number with your tax return, will it? Contact your tax software customer support. The software for the AARP TaxAide e-file process requires the EIN, and at least for W-2's,...
by RudyS
Mon Oct 16, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard's federal ID number for 1099R that hasn't arrived yet
Replies: 6
Views: 438

Re: Vanguard's federal ID number for 1099R that hasn't arrived yet

If you have any older 1099, Vanguard EIN should be on it. Or call Vanguard, it's Monday now.
by RudyS
Sun Oct 15, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1683

Re: The theory seems irrelevant. How does one execute?

I don't understand the comments about not checking your portfolio value every day. Everyone needs to do that when they can: you want to know if something changes without your knowledge (such as if you accounts were compromised.) I'm sure a high percentage of Bogleheads check their portfolios every ...
by RudyS
Sun Oct 15, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3314

Re: Verizon TravelPass

But is might be relevant- I'm 80, and not part of the "be on the phone every minute" generation. Bravo!! We used to be that way until we found that more and more when traveling if you can't communicate by phone you can be severely inconvenienced. You can also be severely inconvenienced if you can't...
by RudyS
Sat Oct 14, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5535

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

Details vary, but here goes: Live below your means (house, cars, etc.). Save all you can. Take advantage of employer plans that match. Take advantage of tax-advantage investments. Invest following the BH approach. Have a spouse who also brings in money, or at least believes the above. But don't let ...
by RudyS
Sat Oct 14, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3314

Re: Verizon TravelPass

Just back from a short trip to Toronto. I signed up for Verizon Travelpass, but never used it. Cost is now $5, not $2 any more. I just got alongh on wifi. Downloaded map via Google Maps is fine. But it does not provide streetcar directions when in offline mode. Just need to plan ahead or pop into St...
by RudyS
Sun Oct 08, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Selling gold jewelry
Replies: 17
Views: 1523

Re: Selling gold jewelry

Gold coins and bars will have a better price relative to bullion cost, because they can be sold as is. Jewelry, if sold for melt value, has considerable processing cost involved. There are outfits on the internet that will buy gold jewelry, etc. I have no idea of how trustworthy they are, but you mi...
by RudyS
Sun Oct 08, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2279

Re: Spouse gets blowouts?

Unless you/spouse can't afford it, there is no problem. As my grandfather used to say, "better than bringing the money to the doctor."
by RudyS
Fri Oct 06, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: How to securely send a fax
Replies: 3
Views: 327

Re: How to securely send a fax

My printer has fax capability. Do you have a friend you can trust who has such a machine? Or google for send fax near me and get a list of places like the UPS store, etc.
by RudyS
Fri Oct 06, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

However, you have to remain in good enough health to be insurable until then. I know that sounds like what the agents say, but it's true.
by RudyS
Fri Oct 06, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1100

Re: Selling burial plots in Alabama

There are brokers on line. Google for sell cemetery plots (or lots) or graves. But the previous posts may in truth be more useful for you.
by RudyS
Thu Oct 05, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2767

Re: Garage door opener on last leg

I just replaced mine this summer. I learned a few things.... -I don't have a use for knowing my garage door status or operating it over the internet. -I got a controller with a self closing feature and love it. If I worry I left the door open I know it will close in 10 minutes. -Garage door openers...
by RudyS
Thu Oct 05, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tax issue - misc (self employment?) income
Replies: 5
Views: 318

Re: Tax issue - misc (self employment?) income

Sure seems like a schedule C or CEZ situation. Remember, you can deduct any expenses associated with that income. I have no idea exactly what that might be because I don't know why she got that money.
by RudyS
Thu Oct 05, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: How to sell stock?
Replies: 5
Views: 351

Re: How to sell stock?

If you are so inclined, you might consider donating it to a charity. Depending on the value involved, many charitable organizations would be glad to take it off your hands. That would also save you a bit of hassle at tax time (such as determining basis) .
by RudyS
Wed Oct 04, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1475

Re: River cruise recommendations (Europe)

We took the Tauk Tours cruise around Iceland this year on the recommendation of a friend. loved it! Having the boat as your hotel without needing to pack/unpack was wonderful. Tauk is expensive, but I'd go with them again in a heartbeat. They have several river cruises available, but most are alread...
by RudyS
Mon Oct 02, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: [LA Times on Experian's "dark Web" service - read the terms of service]
Replies: 2
Views: 360

[LA Times on Experian's "dark Web" service - read the terms of service]

Experian is trying to cash in on this leak: LA Times: Credit agency Experian says it can protect you from the 'dark Web' — sort of http://www.latimes.com/business/lazarus/la-fi-lazarus-experian-dark-web-20170922-story.html This was buried on page 13 of another Equifax thread; I think it deserves th...
by RudyS
Mon Oct 02, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Your Investing Life™: Helping parents prepare for the future."
Replies: 6
Views: 1030

Re: Vanguard: "Your Investing Life™: Helping parents prepare for the future."

It is also a "wake-up call" to those of us who will be the oldsters in a few years, to take care of things while we can do it ourselves. gasdoc Excellent point. DW and I have been doing this planning (and documenting) like forever (I'm 80 now)...as new ideas and issues come up. I think our kids are...
by RudyS
Sat Sep 30, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4232

Re: Waxing my car!

I'm one of those guys who wax a car 3 times. Twice when I've just bought it, then once before I sell it. OK, it's a joke, but very close to the truth.
by RudyS
Sat Sep 30, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

But then, once you are in at an independent living level, you can transfer to higher levels of care at no extra cost. Of the CCRs I've looked into the buy-in does not include LTC, particularly for a skilled nursing facility (SKF). Whether assisted living (AL) is covered by a CCR purchase is questio...
by RudyS
Sat Sep 30, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Need compact point and shoot camera recommendations
Replies: 32
Views: 1939

Re: Need compact point and shoot camera recommendations

About trying out a camera: I found this from a Google search, no idea how good a vendor they are.

https://www.natcam.com/faqs/return-policy/
by RudyS
Sat Sep 30, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

An alternate to consider. IF you are in good health when you get to about 75 years, and have sufficient money, and are willing to move, a type A continuing care retirement community might be the thing. It takes a hefty buy-in amount, plus a good sized monthly payment. You could check such places in ...
by RudyS
Fri Sep 29, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Medicare Plan Details Now Available
Replies: 15
Views: 1237

Re: 2018 Medicare Plan Details Now Available

This booklet is state-specific, and even then, not complete. Michigan booklet does not list AARP-United Health Care plans, although I just received notice from AARP-UHC of what my premiums for 2018 will be.
by RudyS
Fri Sep 29, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

From a more humanistic sleep-at-night perspective, if you don't have kids or other younger family members you feel you can depend on to help out when you are older, it is hard to sleep at night without some reassurance that you can pay someone for these services. I would be very nervous without a, ...
by RudyS
Fri Sep 29, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5789

Re: Question About Long Term Care

From a more humanistic sleep-at-night perspective, if you don't have kids or other younger family members you feel you can depend on to help out when you are older, it is hard to sleep at night without some reassurance that you can pay someone for these services. I would be very nervous without a, ...
by RudyS
Thu Sep 28, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Tax Preparer wanted
Replies: 5
Views: 627

Re: Tax Preparer wanted

I'm a happy user of TurhboTax for ages, Why not give it a try?
by RudyS
Thu Sep 28, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 45
Views: 5538

Re: 2018 Subaru Outback

Have a 2015 Outback, and love it. I find the rear cross traffic alert to be a real useful addition. Wonderful when backing out of a parking space when I can't see past the huge cars/suvs that are parked next to me. More so than the eyesight braking feature based only on how often it comes into play.
by RudyS
Tue Sep 26, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes - parents receiving 1099-Misc for minor son’s earnings
Replies: 16
Views: 1152

Re: Taxes - parents receiving 1099-Misc for minor son’s earnings

Seems like a case of nominee income. See: http://www.cgcpa.pro/nominees-have-1099-reporting-requirements/ I assume he would then do a Schedule C when filing his taxes. Second thought - parent will probably get a CP2000 letter asking about that income. You should be able to send a letter of explanati...