Search found 1963 matches

by RudyS
Fri Sep 18, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 177
Views: 11111

Re: Grocery store didn't tell me Shingrix was $160

I thought this thread should be done, but I still see little tidbits of useful info, like cheese-breath's post that the CVS minute clinic and CVS pharmacies bill things differently. The minute clinic actually has a sign explaining that some shots are cheaper if you go to the pharmacy counter instead.
by RudyS
Fri Sep 18, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: OLD papers
Replies: 35
Views: 2079

Re: OLD papers

Just dump it in the recycle. Nobody is going through your trash and it wont have the information needed to do anything to your accounts anyway. Nearly all identity theft is done electronically. Often there will be "shredding events" at banks or other institutions where they will bring in an industr...
by RudyS
Wed Sep 16, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 177
Views: 11111

Re: Grocery store didn't tell me Shingrix was $160

egrets wrote: Wed Sep 16, 2020 2:36 pm Medicare.gov says Plan Ds cover Shingrix.
I had mine last December and this February. Medicare Plan D (Humana) did not cover it then. This is not intended to be argumentative, just to point out that things change day to day and company to company.
by RudyS
Wed Sep 16, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Grocery store didn't tell me Shingrix was $160
Replies: 177
Views: 11111

Re: Grocery store didn't tell me Shingrix was $160

Was there no mention of cost in the web site nor in the paperwork you filled out? I had to pay about that amount, but knew up front that Medicare would not cover it, nor my drug coverage. If it wasn;t mentioned, you should argue that.
by RudyS
Mon Sep 14, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: Coin and stamp values online?
Replies: 17
Views: 1012

Re: Coin and stamp values online?

For stamps, you can most likely find a Scott Catalog in the library. Scott sets a minimum value per stamp. So, The total for a bunch of common (junk?) stamps is meaningless. For stamps of significant value, you would be lucky to get 10% of Scott from a dealer. Maybe do better on eBay as others have...
by RudyS
Mon Sep 14, 2020 2:44 pm
Forum: Investing - Theory, News & General
Topic: What happened to Vanguard Contact Us phone numbers?
Replies: 15
Views: 1628

Re: What happened to Vanguard Contact Us phone numbers?

I recently had a problem logging into the web site. Finally did get hold of a number to call. Reliance solely on web site is absurd.
by RudyS
Sun Sep 13, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 37
Views: 1754

Re: bare-bones phone and cheapest prepaid plan for a kid

Update: What I said was true when we bought the phone about 3-5 years ago. I just checked; there is now a plan available with talk, text, and 1 GB (or more) of data. We pay $6.95 per month to keep the phone active, and buy minutes very rarely. Do you use data? How is it metered and what do they cha...
by RudyS
Sun Sep 13, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 37
Views: 1754

Re: bare-bones phone and cheapest prepaid plan for a kid

Have you looked at Tracfone prepaid options? https://www.tracfone.com/why Our second phone is a tracfone. It can connect to internet but charges minutes, rather than data. Irrelevant if you just want to talk and text. Strange. Never heard of charging minutes for data. Can you post a link to the pla...
by RudyS
Sat Sep 12, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: bare-bones phone and cheapest prepaid plan for a kid
Replies: 37
Views: 1754

Re: bare-bones phone and cheapest prepaid plan for a kid

Bruce wrote: Sat Sep 12, 2020 8:21 pm Have you looked at Tracfone prepaid options?
https://www.tracfone.com/why
Our second phone is a tracfone. It can connect to internet but charges minutes, rather than data. Irrelevant if you just want to talk and text.
by RudyS
Sat Sep 12, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mess - Interactive Brokers transfer
Replies: 42
Views: 3188

Re: Huge mess - Interactive Brokers transfer

I had what I considered an absurd situation when I sold my house after having left town. I gave my realtor power of attorney to run the closing transactions. She went to deposit my check into my (then) local checking account. Bank would NOT accept the deposit of a check drawn to me into my account b...
by RudyS
Sat Sep 12, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Pls recommend a moving service, thank you
Replies: 10
Views: 560

Re: Pls recommend a moving service, thank you

My post from a few months ago in response to a similar question: First, take the documents and irreplaceable mementos with you,do not give them to the movers. Then, consider doing what United Van Lines calls a "snap move." We did this when we downsized and moved to a CCRC 800 miles away. Worked very...
by RudyS
Wed Sep 09, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Vanguard 'new account' crashed just before completion
Replies: 6
Views: 568

Re: Help! Vanguard 'new account' crashed just before completion

Dunno, but here's a number to call: 888-285-4563. I got this when I had login issues.
by RudyS
Tue Sep 08, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Buying Fine Art - advice needed.....
Replies: 65
Views: 3671

Re: Buying Fine Art - advice needed.....

There are auction houses in UK (and everywhere) that might have a catalog listing of Michael Dahl work. You can get some ball park idea of prices. Anyhow, the used car dealer analogy is apt.
by RudyS
Tue Sep 08, 2020 8:43 am
Forum: Personal Investments
Topic: How much capital gains?
Replies: 16
Views: 1226

Re: How much capital gains?

Which accounting method are you using? If anything other than average cost, then more details are needed. You can’t use average cost with shares of stock. Gill That's true, but if OP is selling everything he purchased, but purchases were at several dates, then the tax return would specify "various"...
by RudyS
Mon Sep 07, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

What do you receive for that fee? Are there ever any additional charges, regardless of whether in independent living, assisted care, dementia or nursing units? Are meals and all other care included? The fee sounds exorbitant compared to our area. The primary issue may be the initial and continuing ...
by RudyS
Sun Sep 06, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Cancel Husband's Term Insurance?
Replies: 41
Views: 3250

Re: Should I Cancel Husband's Term Insurance?

We made this decision to cancel term insurance once we concluded we didn't need it, and sent the equivalent of the premium to a mutual fund, approx. 35 years ago! Really glad we did it! Actually it was excess coverage from my employer over the regular amount. Amazing what $200 per month turned into!
by RudyS
Sun Sep 06, 2020 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

I can answer one question you asked: many people move to "independent living" facilities that can provide modest help -- not at assisted living facility levels, but there are staff around that can check on you, they might have onsite home health for ala carte services, etc. The living quarters them...
by RudyS
Sat Sep 05, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Did your car insurance premium drop recently?
Replies: 37
Views: 2072

Re: Did your car insurance premium drop recently?

My renewal came due just when the 15% discount went into effect. Got a 15% reduction on my next 12 months from Geico. BTW, when getting my policy, I asked for the 12 month term instead of the usual 6 months. It's a required option in Massachusetts.
by RudyS
Sat Sep 05, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: geico stillwater home insurance and fees
Replies: 7
Views: 572

Re: geico stillwater home insurance and fees

My renewal, June 2020, had a $30 "policy" fee. Not a "renewal" fee. I guess that's how they structure their premium. It's a renters policy. Renewal premium was $10 lower than previous year.
by RudyS
Sat Sep 05, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

Part of the entrance fee and part of the monthly fees, are deductible as a pre-paid medical expense on Federal. If states allow deduction of medical expenses, there is a benefit there too. The CCRC provides a letter each year, early in the year, describing what the percentages were for the previous ...
by RudyS
Fri Sep 04, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

CCRCs are Ponzi schemes. New entry fees go to support existing residents. There is seldom any leeway if occupancy levels fall because of something like this virus. We are on list for well respected ccrc but even before the pandemic its largest asset was goodwill which has no $$value. So you are at ...
by RudyS
Thu Sep 03, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 42
Views: 3401

Re: Tesla Full Self Driving Option

[/quote] I think it has the potential to get there, but is not there today. There are certain types of obstacles that autopilot simply can't recognize, which is why human interaction is needed. There are also situations that will be really tough for AI to figure out. For example, whether an object o...
by RudyS
Thu Sep 03, 2020 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

Just want to point out, all plans vary. Type A is not necessarily non-refundable. Depends on the facility. I've seen options of 50% refundable too.
by RudyS
Wed Sep 02, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4739

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

When your wife gets her new SS card (and when you get the new baby's birth certificate), create a file folder called "Vital Documents." Put it in the front of your filing cabinet (or file box) so you can grab it quickly in case of a fire. ALL important papers go in there. Whoever is best at this so...
by RudyS
Wed Sep 02, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: Where to buy disinfectant wipes?
Replies: 33
Views: 1958

Re: Where to buy disinfectant wipes?

Eastern MA here. No major brand wipes available for shipment from Amazon, Walmart, Target. I am sure that some off-brand wipes can be found at whatever prices. Also the early morning idea sounds good. But we have not been going to stores.We lucked into a 3 pack of jumbo size Clorox wipes cannisters ...
by RudyS
Wed Sep 02, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

Since you are quite a few years ago from wanting/needing to make a move, and are on waiting lists as a contingency, I'd wait till things open up after Covid and visit places that let you check out the assisted living areas and talk to residents there. Our facility makes an effort to integrate the as...
by RudyS
Wed Sep 02, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

What if, heaven forbid, you don't make it till DW is 17? Say you both go under the bus in few years? The kids (if any) get nothing under the nonrefundable option. Actually they get some $600,000 under the non-refundable option as follows (substitute, say, 16 for the power): $433,400 left to invest ...
by RudyS
Tue Sep 01, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 6933

Re: Cardio alternatives to treadmills?

How tall are you? Do you hold onto the tredmill as you run/walk? Do you bend over a bit on the treadmill? I'm 6'3" and find I cannot use the provided cross bar or side rails and still stand erect. If you have to hold onto something, use the top of the control console.
by RudyS
Tue Sep 01, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4739

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

I ended up having to bite the bullet and submit an application for a replacement card. (Apparently you can't do it online, it has to be done through the mail.) That is incorrect. It can be correct. I tried online, was told it had to be by mail (or in person). Massachusetts required both passport an...
by RudyS
Tue Sep 01, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Spouse: How to get REAL ID driver's license without social security card and recent job?
Replies: 77
Views: 4739

Re: Spouse: How to get REAL ID driver's license without social security card and recent job?

I ended up having to bite the bullet and submit an application for a replacement card. (Apparently you can't do it online, it has to be done through the mail.) That is incorrect. It can be correct. I tried online, was told it had to be by mail (or in person). Massachusetts required both passport an...
by RudyS
Tue Sep 01, 2020 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

Yes, I agree and we will try to make the in-home care work if not an unreasonable burden to family. Prudence - a perspective. For my Dad just last year, I looked at 24hr home care vs Assisted Living. Home care would have run 18-19K per month. A Calif MCOL area. As my Mom declined before she passed ...
by RudyS
Mon Aug 31, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Excess Social Security withholding due to more than one employer for the tax year?
Replies: 8
Views: 387

Re: Anyone have experience with Excess Social Security withholding due to more than one employer for the tax year?

From the SSA web site: When you have more than one job in a year, each of your employers must withhold Social Security taxes from your wages no matter what the other employers may have withheld. You may then end up with total Social Security taxes withheld that exceed the maximum. When you file your...
by RudyS
Mon Aug 31, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Continuing Care Retirement Community Entrance Fee
Replies: 106
Views: 7261

Re: Continuing Care Retirement Community Entrance Fee

What if, heaven forbid, you don't make it till DW is 17? Say you both go under the bus in few years? The kids (if any) get nothing under the nonrefundable option.
by RudyS
Mon Aug 31, 2020 12:12 pm
Forum: Personal Investments
Topic: time to invest cash reserves?
Replies: 54
Views: 3811

Re: time to invest cash reserves?

This may be more appropriate for a "prepper" concussion, but if one is holding gold/silver as hyperinflation insurance, then it should be in small enough denominations that can be traded for needed stuff. Those one ounce gold coins aren't going to be very useful to trade for pounds of flour or loav...
by RudyS
Sun Aug 30, 2020 9:01 pm
Forum: Personal Investments
Topic: time to invest cash reserves?
Replies: 54
Views: 3811

Re: time to invest cash reserves?

This may be more appropriate for a "prepper" concussion, but if one is holding gold/silver as hyperinflation insurance, then it should be in small enough denominations that can be traded for needed stuff. Those one ounce gold coins aren't going to be very useful to trade for pounds of flour or loave...
by RudyS
Sun Aug 30, 2020 12:36 pm
Forum: Personal Consumer Issues
Topic: Tuxedo crisis. Help!
Replies: 25
Views: 1641

Re: Tuxedo crisis. Help!

A 12 year old string??? About tuxedo pants? I have my favorite buggy whip that needs the handle wrapped. What do I do? It's like my favorite cherished family heirloom ax, Abe Lincoln once owned it - head has been replaced twice and the handle has been replaced 3 times. Is it still the "same" axe? T...
by RudyS
Sun Aug 30, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Tuxedo crisis. Help!
Replies: 25
Views: 1641

Re: Tuxedo crisis. Help!

A 12 year old string??? About tuxedo pants? I have my favorite buggy whip that needs the handle wrapped. What do I do? It's like my favorite cherished family heirloom ax, Abe Lincoln once owned it - head has been replaced twice and the handle has been replaced 3 times. Is it still the "same" axe? T...
by RudyS
Sat Aug 29, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: IRS processing of 2019 paper returns
Replies: 10
Views: 755

Re: IRS processing of 2019 paper returns

For returns filed in Massachusetts, there is one address for returns enclosing payment, a different address for forms NOT enclosing payment. Of those not enclosing payment, it's a good bet that a refund is due unless it's a zero return for some reason. Likely true for other states too. Maybe not for...
by RudyS
Mon Aug 24, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2144

Re: Can any InstaCart shoppers give me a shoppers-eye view...

I used to have an Instacart account, but I deleted it in May, 2020 after my experience with an order from Costco, shopped and delivered by Instacart. The shopper left her shopping receipt in one of my packages, allowing me to see the price she was charged. (All other orders I had placed through Ins...
by RudyS
Mon Aug 24, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2144

Re: Can any InstaCart shoppers give me a shoppers-eye view...

I think perhaps you need to retitle your post as "Can any InstaCart employees." When I see "InstaCart shoppers" I think people like you who are doing their grocery shopping on Instacart. A nitpick: The Instacart "shoppers" which is the correct name, are not employees. As an Instacart customer, I am...
by RudyS
Mon Aug 24, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications of opening a joint account as an unmarried couple
Replies: 12
Views: 897

Re: Tax implications of opening a joint account as an unmarried couple

I would check your thinking about these contributions not implicating the gift tax rules. Maybe consult a tax attorney or accountant (Google might help guide your evaluation). How long do you plan to be engaged and unmarried? I would hope this is just a short liminal state. ETA: It might be easier ...
by RudyS
Sun Aug 23, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Dental insurance for seniors
Replies: 29
Views: 2519

Re: Dental insurance for seniors

A limited selection of dentists in a plan is a big problem. I have had dentists that were bad so I place a high priority in getting a good dentist. They can be bad in two ways, 1) Low quality work either because of lack of skill or using lower quality materials or equipment to save money. 2) Wantin...
by RudyS
Sun Aug 23, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2144

Re: Can any InstaCart shoppers give me a shoppers-eye view...

Can't answer your questions, but some comments for our experience as customers. We use the notes field: "see clerk if you can't find it, they often hide it" (specific bread), or for other details. We also use "specific replacement" or "do not replace" so we shouldn't get stuck with errors. Instacart...
by RudyS
Sat Aug 22, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9464

Re: how often do you check your net worth?

Most of our net worth is in Vanguard accounts (no debt, no house), so I look at page 1 every month when I check statements.
by RudyS
Sat Aug 22, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Fund Reports mailings
Replies: 10
Views: 716

Re: Vanguard Fund Reports mailings

The page to select e-delivery has two sections, one for "normal" accounts, then, down a few spaces, another section for trust accounts. Maybe that's an answer. I missed that second part first time through.
by RudyS
Wed Aug 19, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: Cleaners for washing machine, dishwasher, disposal, etc.
Replies: 31
Views: 1766

Re: Cleaners for washing machine, dishwasher, disposal, etc.

Nothing for the dishwasher. I squeeze oranges each morning for breakfast. That takes care of the disposer. Washing machine is top loader, never had issues. Keurig coffee maker is several years old, never descaled it. The warm mist humidifier, however, needs to be descaled, with vinegar, monthly in t...
by RudyS
Tue Aug 18, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Downsides of converting from a Joint Account to an Individual Account - re: Beneficiaries
Replies: 10
Views: 512

Re: Downsides of converting from a Joint Account to an Individual Account - re: Beneficiaries

Lee_WSP wrote: Tue Aug 18, 2020 2:36 pm If you were incapacitated or declared incompetent, your wife would need to jump through a bunch of hoops to withdraw from it.
The scenario is that she's the owner. He's a POD beneficiary and also agent. How does anything happening to him change her ability to do anything? - SHE's the owner.
by RudyS
Mon Aug 17, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Best online remainder bookstore/ outlet
Replies: 9
Views: 627

Re: Best online remainder bookstore/ outlet

I have had very good luck on eBay. Look for sellers with high feedback ratings.