Search found 2003 matches

by neilpilot
Thu Jan 17, 2019 12:32 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3659

Re: Fun with Amazon

Ed_Sandwich wrote:
Thu Jan 17, 2019 10:15 am

Our former Surgeon General was Vivek Murthy until 2017.
Our former Surgeon General remains Vivek Murthy, even to this day. Maybe you meant to say "Our former Surgeon General, until 2017, was Vivek Murthy"?
by neilpilot
Thu Jan 17, 2019 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Good idea? Rent out current home after paid off
Replies: 20
Views: 919

Re: Good idea? Rent out current home after paid off

I haven't read the other linked threads. Assuming you have a imputed gain on your current home, and siply sell your primary residence, then there's a significant federal income tax exemption applied to that gain. Now, assuming you convert your former home into a rental property, and then sell it at ...
by neilpilot
Wed Jan 16, 2019 11:20 am
Forum: Investing - Help with Personal Investments
Topic: IRMAA/Beginning SS
Replies: 18
Views: 1263

Re: IRMAA/Beginning SS

I had a similar concern when 70.5 and had both the start of delayed SS and the start of RMDs, plus other incomes like investments and pension. It was WOW when seeing the increase in Medicare premiums B and Part D. Someone said the following to me, that put things in perspective, "Yes I consider tax...
by neilpilot
Wed Jan 16, 2019 10:51 am
Forum: Investing - Help with Personal Investments
Topic: IRMAA/Beginning SS
Replies: 18
Views: 1263

Re: IRMAA/Beginning SS

I’m having one heck of a time with my IRMAA “Life Changing Event” appeal. Filed the paperwork with a local rural SSA office. No decision received in 4 months. Visited again, agent could not find where they had received it and commented “We really don’t do many of these, and not sure how to do them....
by neilpilot
Wed Jan 16, 2019 6:58 am
Forum: Investing - Help with Personal Investments
Topic: IRMAA/Beginning SS
Replies: 18
Views: 1263

Re: IRMAA/Beginning SS

I read on another forum that if it’s one time gain like real estate, you maybe able to appeal and get a reduced rate, this is one reason I asked if it’s a Roth conversion. An IRMAA appeal is a relatively simple process, but the qualifying life changes are well defined. I don’t think either a home s...
by neilpilot
Tue Jan 15, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Which iPad?
Replies: 19
Views: 1045

Re: Which iPad?

Based on your intended use, you should be able to save a bit by buying the wifi-only version. Even though I've never inserted a SIM into my various iPads, I've always had to buy the SIM version since the wifi-only does not come with an internal GPS chip, and my primary OS app requires GPS.
by neilpilot
Tue Jan 15, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Form 1099 for 2018
Replies: 7
Views: 707

Re: Vanguard Brokerage Form 1099 for 2018

Also many of HRB's final form revisions will not be available to download until 1/17 or 1/31, depending on the specific form. You can see these dates in HRB's all forms view. I wouldn't be surprised if the other tax software have similar dates, since it's likely driven by IRS schedules. Have no idea...
by neilpilot
Tue Jan 15, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: In the market for a new dryer
Replies: 20
Views: 1275

Re: In the market for a new dryer

Many 15 y/o major appliances are vastly more reliable overall than comparable replacements. Just saying. Unless my 18 y/o dryer required very major repair or was not repairable, I'd likely not replace it with a new unit. But since I'm DIY and dryers are relatively simple to diagnose and if, that's a...
by neilpilot
Tue Jan 15, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: downspout extension part
Replies: 7
Views: 832

Re: downspout extension part

Sorry but it's not clear to me what component(s) you are looking for. I assume it's not what you picture in your opening post: https://www.lowes.com/pd/Amerimax-Tradi ... 1000244699
by neilpilot
Tue Jan 15, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing Social Security Benefits
Replies: 11
Views: 1287

Re: Maximizing Social Security Benefits

Only one possible effect - if her benefits far exceed his then he could take spousal benefits on her record.
by neilpilot
Mon Jan 14, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4395

Re: Long term care insurance policy

Well the posts are no too long to copy....but so far as care at home is concerned, much of this is of course covered by my LTC policy. I assume it is for most others.
by neilpilot
Mon Jan 14, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3779

Re: Brake fluid replacement?

Our cars spend most of their life in Memphis humidity. Our daughter's is in Phoenix. I either flush or partially renew fluid every 3 years, but she can likely go for 10 years and experience less % water. Either way, even though a very high percentage of owners will not experience any known issues if...
by neilpilot
Mon Jan 14, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4395

Re: Long term care insurance policy

When you say "Most men who land in nursing homes die before their Medicare coverage runs out." I have 2 questions: [1] when does someone's Medicare coverage "run out"? [2] What does Medicare coverage have to do with your nursing home expenses? [1] Medicare pays 100 days of nursing home coverage. Yo...
by neilpilot
Mon Jan 14, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4395

Re: Long term care insurance policy

................. My mom is in memory care to the tune of $9K per month, which reminds me, I have to write a $9,022 check today. If she's there for 20 years, is your long term care policy going to pay the whole thing? .............. Most men who land in nursing homes die before their Medicare cover...
by neilpilot
Mon Jan 14, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance policy
Replies: 140
Views: 4395

Re: Long term care insurance policy

4. The chances that the cost of LTC insurance will rise appear to be...near 100%. Maybe near 100%, and mine might rise, but my policy seems to guarantee a fixed premium. Our policy expressly states that our premium will not be increased. We each purchased a Hartford group LTC policy way back in 199...
by neilpilot
Sun Jan 13, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 34
Views: 1512

Re: What deductible for Comprehensive and Collision Insurance?

This is a good way to decide. For me the sweet spot was 1k, higher than that would require a claim very infrequently to pay off. If you have money you want to max your coverage. If you seriously injure someone 100 or 300 may not cover it and maxing would be necessary for umbrella. Please explain th...
by neilpilot
Sun Jan 13, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3779

Re: Brake fluid replacement?

I have a 2003 Honda with 277K. I service it myself and about every 2 years I use a turkey baster to suck out the old fluid from resoivoir and I replace it wil new clean fluid up to the Fill line. It's costs $2 and works great for me. Good Luck. When you change your oil (assuming 4 quarts), do you d...
by neilpilot
Sun Jan 13, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3779

Re: Brake fluid replacement?

Don't follow my advice or the advice of anyone else on a forum. Do what the manufacturer says,. +1 I keep cars at least 15 years and usually longer. My approach is to follow the manual. Manufacturers may be conservative in their recommendations but I doubt that they’re trying to gin up profits for ...
by neilpilot
Sun Jan 13, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3779

Re: Brake fluid replacement?

2009 corolla currently has 167k miles on it. Just replaced brakes/rotors for a 3rd time...never once changed brake fluid. Never had to, levels have never been low. Your statement “never had to, levels have never been low” is totally illogical. A low brake fluid level is typically due to a leak and ...
by neilpilot
Sat Jan 12, 2019 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: IRMAA question
Replies: 2
Views: 255

Re: IRMAA question

jhawktx, you are correct.

However, if you exceed $170k MAGI in 2017 but your 2018 or projected 2019 income is below the $170k IRMAA limit and you've incurred a recognized Medicare life change event such as retirement, then there's a very simple appeal process to get around that IRMAA look-back.
by neilpilot
Sat Jan 12, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3779

Re: Brake fluid replacement?

I think changing fluid is probably a good idea, but I'm afraid to have anyone do it (including me) because of how complicated and different the process is for different models. There are so many check valves and passages in the ABS module that I can see where you can end up with air in the wrong pl...
by neilpilot
Sat Jan 12, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: USPS price increase on 1/27/19
Replies: 74
Views: 6603

Re: USPS price increase on 1/27/19

barber wrote:
Sat Jan 12, 2019 9:29 am
Ebay still has Forever stamps @ $0.35 for 500 minimum.
If the price is too good to be true, maybe it isn't true
https://www.linns.com/news/us-stamps-po ... tamps.html
by neilpilot
Sat Jan 12, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3133

Re: Car Battery

Carl53 wrote:
Sat Jan 12, 2019 4:23 am
For those with battery tenders, if the power goes out briefly do they automatically restart without manual intervention?
Certainly
by neilpilot
Fri Jan 11, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5022

Re: Diagnosing Knee Problems over the Phone - Medicare

Without delving into politics, this laymen would be happy to see every doctor who wants to be licensed to practice in this country to be required to accept a certain percentage of Medicare patients, taking the burden off of others in their profession who carry the load, while perhaps shortening the...
by neilpilot
Thu Jan 10, 2019 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 15
Views: 1037

Re: TD Ameritrade Money Market Options

My accounts were with Scottrade before they were acquired by TDA. If you happen to also be a former Scottrade customer, TDA should grandfather you at the former Scottrade mutual fund commission of $17/trade.
by neilpilot
Thu Jan 10, 2019 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Diagnosing Knee Problems over the Phone - Medicare
Replies: 119
Views: 5022

Re: Diagnosing Knee Problems over the Phone - Medicare

I'd check out a specialist that provides PRP and Stem Cell procedures as an alternative treatment option. Not covered by insurance, however, if the patient is appropriate for this form of treatment, the procedure is less invasive and takes a shorter time for a positive recovery. Well, the effective...
by neilpilot
Thu Jan 10, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Fender Bender backing out of garage. File a claim with insurance?
Replies: 21
Views: 1503

Re: Fender Bender backing out of garage. File a claim with insurance?

Don’t feel bad. My wife was backing car on driveway and hit our daughter’s parked car. Lots of damage to both cars. Both were insured by State Farm. The agent laughed when I explained to her the double claim. I told my wife her license should be restricted to forward motion only. Good luck. Years a...
by neilpilot
Thu Jan 10, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 97
Views: 8681

Re: Shingrix [Vaccine availability]

Utahdogowner wrote:
Thu Jan 10, 2019 2:47 pm
HueyLD wrote:
Mon Aug 27, 2018 5:41 pm
Does one have to be at least 65 to get the insurance to pay for this vaccine?
Actually, commercial insurance products usually pay 50-65 w/o problems, but Medicare and it's flavors won't cover at all.
But my Part D underwriter lists Shingrix in their Tier 3 formulary
by neilpilot
Thu Jan 10, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1546

Re: Cleaning Car Battery Terminals

If you remove the positive cable to clean the corrosion, then coat the clean terminal with a small amount of petrolium jelly and be sure to properly tighten the terminal clamp. Excessive corrosion at the positive terminal is a sign of overcharging, so you might also check the fluid level if your ba...
by neilpilot
Thu Jan 10, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1546

Re: Cleaning Car Battery Terminals

If you remove the positive cable to clean the corrosion, then coat the clean terminal with a small amount of petrolium jelly and be sure to properly tighten the terminal clamp. Excessive corrosion at the positive terminal is a sign of overcharging, so you might also check the fluid level if your bat...
by neilpilot
Wed Jan 09, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 25
Views: 2044

Re: Discounted Postage Stamps

If I expected to mail more than my usual 2-5 envelopes each month it might be worth the trouble. So say you are talking about 200 stamps averaging 35 cent face value. You stand to save under $30 by executing this scheme which, in my case, would run over several years. Sounds like I could raise equiv...
by neilpilot
Wed Jan 09, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: One Year Out from Retirement
Replies: 7
Views: 933

Re: One Year Out from Retirement

I have no way of estimating your post-retirement income. However, if you project your income in 2020 will be below the IRMAA threshold, then be prepared to submit 2 appeal forms in late 2019, just after your receive your IRMAA notice for 2020. Even though they will base your 2020 IRMAA on your 2018 ...
by neilpilot
Wed Jan 09, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3133

Re: Car Battery

Have you considered having a family member or trusted friend drive the car a few miles every 2-3 weeks to keep everything in working order? That would charge the battery, 'rotate' the tires, mix the gasoline in the tank, circulate the oil, etc. I read in another thread about owning two homes that s...
by neilpilot
Wed Jan 09, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Good quality wireless headphones
Replies: 11
Views: 1057

Re: Good quality wireless headphones

I'm certainly not an audiophile, but I'm happy with the Sennheiser HD 4.50 BTNC I purchased. I've only had them a month, and so far only used them via Bluetooth linked to my android and iPad to watch video. They were bought primarily for my 1-2 annual flights to Europe, which I haven't yet flown in ...
by neilpilot
Wed Jan 09, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Social Security question hindsight
Replies: 65
Views: 4891

Re: Social Security question hindsight

I've seen statistics somewhere that most folks start benefits at or before their FRA, and only a tiny percentage wait until age 70. True. https://www.fool.com/retirement/general/2016/04/19/when-does-the-average-american-start-collecting-so.aspx My goodness gracious! According to the chart, only 10%...
by neilpilot
Wed Jan 09, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3133

Re: Car Battery

Sulfation doesn't occur during charging. It occurs when a battery is allowed to remain in a very low charge or discharged state for an extended period. Some chargers are designed to pulse a recovery charge, and that pulsed charge may succeed to reversing sulfation by returning the lead sulfate crys...
by neilpilot
Wed Jan 09, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3133

Re: Car Battery

It's probably a bunch of woowoo, but there's clearly more going on with some of those chargers than a simple voltage/current monitoring. It probably doesn't matter much, and I've never had any sulfation issues with my very basic charger. Sulfation doesn't occur during charging. It occurs when a bat...
by neilpilot
Wed Jan 09, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1587

Re: Health insurance informs me after procedure that they won't cover all of it

BusterMcTaco wrote:
Tue Jan 08, 2019 10:58 pm
tmcc wrote:
Tue Jan 08, 2019 10:31 pm
Just give them a leather belt to bite and a bottle of whiskey.
Do you think my insurance would reimburse the whiskey?
Do you know how expensive that leather belt is? There needs to be a precise hole to allow entry for the endoscope.
by neilpilot
Wed Jan 09, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2640

Re: How to save on prescription drug costs?

Using my Part D coverage, all but one of my 5 maintenance prescriptions are generic and under $7 for 90-day supplies. The pricey generic is $218 for 90 days using my Part D, but only $148 with no insurance using GoodRx. However, my Canadian pharm is $35 for that 90 day supply.
by neilpilot
Tue Jan 08, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3133

Re: Car Battery

Actually you are best served by connecting the trickle charger while the battery remains connected and in the car. Not only is this easier, but car's systems (primarily your radio) will retain their memory while the battery is maintained at a suitable charge. Is that a good idea with modern, sophis...
by neilpilot
Tue Jan 08, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3133

Re: Car Battery

A battery tender cost about $30. A portable battery jumper about $60. I would get the latter and let battery drain. If it battery is dead, the portable jumper can easily start it up. After that keep it in car for emergency (to jump battery, charge iphone, flash light etc). https://smile.amazon.com/...
by neilpilot
Tue Jan 08, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 48
Views: 3133

Re: Car Battery

Your best bet is to remove both battery connection terminals and get a 'trickle charger' that you then connect to the battery. This will very slowly replenish the charge as it sits. Many auto stores or Amazon have choices that should run you about $20. Actually you are best served by connecting the...
by neilpilot
Tue Jan 08, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security
Replies: 10
Views: 980

Re: Applying for Social Security

Neilpilot, How did you get the required information to SS? Leroy Jones :sharebeer Unlike my Medicare application, neither of our SS applications required any information in the form of documentation. All information submitted was in their online forms. IIRC about 2-3 weeks after I filed my online r...
by neilpilot
Tue Jan 08, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security
Replies: 10
Views: 980

Re: Applying for Social Security

My DW applied for SS online. I later filed a restricted application for spousal benefits online. Both online filings were easy and went very well.
by neilpilot
Tue Jan 08, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2626

Re: TV antennas...

I don't have cable television. Nothing beats rooftop antennas. In Chicago I could maybe get 40 channels using a normal indoor antenna, 65 using a large attic antenna after a lot of directional adjusting, and a rooftop gets me 90 channels. I paid $160 to have one installed and use the old cable wire...
by neilpilot
Tue Jan 08, 2019 2:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Lexington, Kentucky
Replies: 3
Views: 2219

Re: Lexington, Kentucky

AerialP wrote:
Mon Jan 07, 2019 8:33 pm
Although I realize this post is over 10 years old, I would be interested in joining in on this and know of one other locally who would as well. That potentially makes three - can we get two more?
Except that the OP, Pdbowling, hasn't logged into BHs since 2008!
by neilpilot
Tue Jan 08, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 73
Views: 3807

Re: 11 days in Europe...Budget and logistical advice please

Travel tip: We all know how useful GPS map navigation is on our phones. Even more so when travelling in Europe AND you don't need a data plan to get real time mapping and navigation on your phone. It's called Offline Maps. You download the map data to your phone while still home (or anywhere with w...
by neilpilot
Mon Jan 07, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Dumb SS question
Replies: 5
Views: 800

Re: Dumb SS question

Both are eligible to collect their own SS, however....that definitely may not be the best strategy.

Also, please realize that they do not need to "retire", i.e. no longer work, to collect benefits.
by neilpilot
Mon Jan 07, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 43
Views: 2640

Re: How to save on prescription drug costs?

Yeah, I looked into both GoodRX and Costco and am considering them on my list of retailers, but speaking of mail order drug plans, has anyone heard of SecureTabs? I came across this during my research and it looks like a reputable source (FDA approval logo on website), plus it has a clean looking i...
by neilpilot
Mon Jan 07, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 73
Views: 3807

Re: 11 days in Europe...Budget and logistical advice please

Why? Who carries wads of cash on the metro? Maybe for your passport. You don't leave it in your room do you? Of course I do, like everybody else from any other country. Having the passport with you invites problems. Having a money belt also invites problems (and with do you do with it on a beach?)....