Search found 81 matches

by SoDakJeff
Sat Oct 19, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Cigna Secure-Essential PDP - am I missing something?
Replies: 2
Views: 281

Cigna Secure-Essential PDP - am I missing something?

I'm currently with Express Scripts Saver for my PDP, but I've been shopping around for a new plan. I came across the Cigna-HealthSpring Rx Secure-Essential that looked really good. I enrolled in the Cigna plan for 2020, but now I'm a little nervous. I'm on 6 medications: 2 tier 1, 2 tier 2 and 2 tie...
by SoDakJeff
Thu Jun 06, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Lyndsay Windows - anyone with experience?
Replies: 4
Views: 387

Re: Lyndsay Windows - anyone with experience?

What is wrong with the current windows? Wood rotting or has the gas leaked out between the panes and there is condensation and haze between the panes? Our surrounds are fine, but the glass has let go. It is surprisingly cheap to replace the glass insert. $150 to $200 installed on decent sized windo...
by SoDakJeff
Thu Jun 06, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Lyndsay Windows - anyone with experience?
Replies: 4
Views: 387

Lyndsay Windows - anyone with experience?

I recently found out that my home windows are in bad shape. Replacement costs are steep. I've received a couple of window estimates, and I'm wondering if anyone can tell me of their experience. My first estimate was with Renewal by Anderson. Seemed like good windows, but expensive ($14,000 - $17,000...
by SoDakJeff
Tue Apr 16, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1912

Re: Roth 401(k) - Is this normal?

I heard back from Principal this morning. They confirmed that all of my wife's contributions are categorized as Roth, although the employer match contributions are made on a pre-tax basis.

I'm feeling a little better about things now.

Thanks to all who offered advice and suggestions.
by SoDakJeff
Sat Apr 13, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1912

Re: Roth 401(k) - Is this normal?

There is a common and fundamental misunderstanding about 401k "accounts". The actual IRS regulations only require that the different taxation types of accounts (pre-tax, Designated Roth and employee after-tax) as well as their distributable status (employee deferrals, designated Roth contributions,...
by SoDakJeff
Sat Apr 13, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1912

Re: Roth 401(k) - Is this normal?

One other thing I forgot to mention in my first post... Principal also informed me that while my wife's contribution is after-tax for the Roth, the employer's match goes in pre-tax to the 401(k). I suppose this means that only the wife's contributions will be able to transfer to a Roth IRA at a late...
by SoDakJeff
Sat Apr 13, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1912

Re: Roth 401(k) - Is this normal?

This normally would make me nervous as well. I'm not sure I'd trust them to keep it straight. It's good that you're tracking it separately. (I'd also strongly suggest you keep your statements from this account going forward.) However, this article seems to offer some guidance on how this money will...
by SoDakJeff
Sat Apr 13, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1912

Re: Roth 401(k) - Is this normal?

Thanks for the link. The article made my head spin a little, but it does ease my concern a bit. Sure seems like it would be a lot less complicated for them to simply start a separate Roth 401(k). You're welcome. I hope it helps. I did notice, by the way, that I inadvertently left out a link in my p...
by SoDakJeff
Sat Apr 13, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1912

Re: Roth 401(k) - Is this normal?

This normally would make me nervous as well. I'm not sure I'd trust them to keep it straight. It's good that you're tracking it separately. (I'd also strongly suggest you keep your statements from this account going forward.) However, this article seems to offer some guidance on how this money will...
by SoDakJeff
Sat Apr 13, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Roth 401(k) - Is this normal?
Replies: 35
Views: 1912

Roth 401(k) - Is this normal?

My wife has a 403(b) and a 401(k) at Principal. She doesn't contribute to the old 403(b). I had our 2018 taxes done this year by our accountant/tax guy, due to a somewhat complicated inheritance I received last year. After these were done, he said we should stop funding the 401(k) and instead start ...
by SoDakJeff
Sat Apr 06, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 215
Views: 9538

Re: Received a Ransomware email

Here is an article in the press that describes the scam. Nothing to be worried about as long as you don't use this same password on other sites. https://krebsonsecurity.com/2018/07/sextortion-scam-uses-recipients-hacked-passwords/ That's almost exactly word-for-word what my email said. Interesting ...
by SoDakJeff
Sat Apr 06, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 215
Views: 9538

Re: Received a Ransomware email

Luckywon wrote:
Sat Apr 06, 2019 8:13 am
SoDakJeff wrote:
Sat Apr 06, 2019 7:38 am
What's troubling to me, though, is the email contained my correct name and a password (also correct) that I use on a generic site
could you share what site? others who have registered there may like to know.
Kayak - the travel site.
by SoDakJeff
Sat Apr 06, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 215
Views: 9538

Re: Received a Ransomware email

I hope you blocked any attachments in the email. If you are going to open spam you should only do that on a test computer. What anti virus do you use? Change all passwords and scan for nasty things on your hard drive. Thanks to everyone for helping put my mind at rest! I use Bitdefender Internet Se...
by SoDakJeff
Sat Apr 06, 2019 7:38 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 215
Views: 9538

Received a Ransomware email

[Thread merged into here, see below (next page) --admin LadyGeek] I found a ransomware email in my spam folder this morning. Spelling and punctuation were terrible. Accused me of going to explicit websites, and said he had installed keylogger malware on my computer (I use Bitdefender Internet Secur...
by SoDakJeff
Thu Mar 28, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: I'm paying estimated taxes this year...
Replies: 4
Views: 417

I'm paying estimated taxes this year...

I went to an accountant for my 2018 taxes, due to an inheritance last year that involved a farm sale. I've used TurboTax for years, but with figuring out the cost basis on the farmland and a few other oddball things with my finances, I didn't want to mess around with TT and end up getting things wro...
by SoDakJeff
Thu Mar 14, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Replacing burned out headlight in 2012 Subaru Impreza
Replies: 12
Views: 732

Re: Replacing burned out headlight in 2012 Subaru Impreza

I don't know if this will apply to your car at all, but I had to have a burned out Halogen bulb replaced recently for my 2016 Mazda CX-5. I'm not much of a mechanic, so I took it to the dealer service area. The guy there said the Halogen bulb cannot be replaced separately - said I had to buy a new "...
by SoDakJeff
Thu Mar 14, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Computer help - can't open .aspx downloads
Replies: 8
Views: 750

Re: Computer help - can't open .aspx downloads

Aspx is Microsoft Active server pages. It’s a web format that Adobe can’t read. You can probably load the page in your browser, then use File/Print... and print to a pdf file. Then open that file with Adobe reader. This worked, thanks! I used Ctrl P to open the print menu and then hit Save, which b...
by SoDakJeff
Wed Mar 13, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Computer help - can't open .aspx downloads
Replies: 8
Views: 750

Computer help - can't open .aspx downloads

I get estatements from all of my banks and financial institutions. One of my banks is now posting statements using .aspx instead of .pdf. As I look back on previous statements, I see that they've been doing this for a while, and I had no trouble opening them. Now, I get an error message from Acrobat...
by SoDakJeff
Sat Mar 09, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: Etymotic Bean, anyone?
Replies: 0
Views: 470

Etymotic Bean, anyone?

I've been eyeing the Etymotic Bean for a while. It's a PSAP (personal sound amplification product), similar to a hearing aide, that can be purchased over-the-counter. It fits in the ear, and leaves low frequency sounds alone while amplifying high frequencies, which is where my hearing needs are. Cos...
by SoDakJeff
Thu Jan 24, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: AARP/UHC not offering Medigap plan G to new enrollees
Replies: 10
Views: 603

Re: AARP/UHC not offering Medigap plan G to new enrollees

They are available and G shows as a new offering on the UHC site at least in my zip in Florida. https://www.uhcmedicaresolutions.com/health-plans.html#/plan-summary Cheers Your edit from the prior post. UHC is not currently offering G in the Memphis area . Back in 2015 when I did a comparison of F ...
by SoDakJeff
Sun Dec 30, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Long term disability - any real world examples of collecting benefits?
Replies: 21
Views: 1479

Re: Long term disability - any real world examples of collecting benefits?

Acute leukemia diagnosed at age 55. Heavy duty chemos, and bone marrow transplant, with plenty of complications, side- and after-effects - grateful to now be cancer-free, but still unable to return to work. I was a white collar worker also. My employer (over 100 employees) offered the insurance whi...
by SoDakJeff
Wed Dec 26, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 8209

Re: Nice jeans for work with lowest average cost of ownership

The only jeans I'll buy are Eddie Bauer. Blue stonewashed or gray. Well-made, they wash up nice, last for years and years. And unlike other brands, I can order them off the catalog or online in my size and they always fit. They can be a little pricey - around $65, but Eddie frequently has sales at 4...
by SoDakJeff
Tue Dec 11, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1911

Re: Possibly dumb question about streaming services

In our area our cable provider (Comcast/Xfinity) also offers a skinny bundle of streaming TV channels which Iincludes local channels (Xfinity Instant TV). It is seperate from their cable offerings. You might want to check to see if a cable provider in your area offers something similar. This might ...
by SoDakJeff
Tue Dec 11, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1911

Re: Possibly dumb question about streaming services

I don't believe any carry a national news feed from networks. Try an amplified hdtv antenna. I pick up every local station including PBS on mine, crystal clear. Its my backup plan when ISP is down. Wired my antenna into old cable splitter. Antenna signal available through out the house. I was hopin...
by SoDakJeff
Tue Dec 11, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1911

Re: Possibly dumb question about streaming services

I don't believe any carry a national news feed from networks. Try an amplified hdtv antenna. I pick up every local station including PBS on mine, crystal clear. Its my backup plan when ISP is down. Wired my antenna into old cable splitter. Antenna signal available through out the house. I was hopin...
by SoDakJeff
Tue Dec 11, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1911

Re: Possibly dumb question about streaming services

Never tried Direct TV but I did try Hulu (sports package) and YouTube TV. Hulu and YouTube carry the local TV stations where I live and both are $39.99 a month. I liked YouTube mainly because it had about 60 stations, an easy to navigate plain guide and unlimited DVR storage. Hulu has roughly about...
by SoDakJeff
Tue Dec 11, 2018 6:12 am
Forum: Personal Consumer Issues
Topic: Possibly dumb question about streaming services
Replies: 26
Views: 1911

Possibly dumb question about streaming services

I'm dipping my toes into the streaming TV waters. I bought a Roku stick and signed up for DirectTV Now yesterday for their 1 week free trial. I compared several of the services and liked the channel lineup of DTV Now better than the others. I knew going in that local channels wouldn't be available w...
by SoDakJeff
Thu Nov 01, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Help with choosing a Medigap company (not plan)
Replies: 5
Views: 873

Re: Help with choosing a Medigap company (not plan)

I'll be turning 65 in February of next year, so I'll be signing up for Medicare A & B tomorrow or soon after that. I've been doing a lot of Medicare research over the past couple of months - I've read Medicare for Dummies and I've spent an embarrassing amount of time on Medicare.gov reading about M...
by SoDakJeff
Wed Oct 31, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Help with choosing a Medigap company (not plan)
Replies: 5
Views: 873

Help with choosing a Medigap company (not plan)

I'll be turning 65 in February of next year, so I'll be signing up for Medicare A & B tomorrow or soon after that. I've been doing a lot of Medicare research over the past couple of months - I've read Medicare for Dummies and I've spent an embarrassing amount of time on Medicare.gov reading about Me...
by SoDakJeff
Thu Aug 09, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 6906

Re: Medicare Supplement Companies

Post what state you are in, and we will try and help. I'm in SD, and thinking about a G plan when I become eligible in Feb. 2019. There are currently 18 companies offering Medigap Policy G in my area, and 17 of those are Attained-Age. The only one that isn't is from Physicians Mutual, which is Issu...
by SoDakJeff
Wed May 30, 2018 5:46 am
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 2178

Re: Estate Planning roadblocks - ideas?

Charities for beneficiaries and private professional fiduciary for medical/financial decisions. Easy. I've been trying to find some information on professional fiduciaries for medical and financial decisions, but my results seem to show mostly California results. I'm in South Dakota, which I'm told...
by SoDakJeff
Wed May 30, 2018 5:33 am
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 2178

Re: Estate Planning roadblocks - ideas?

You're thinking of this as "do it once and etch it in stone." In reality, Wills must be redrafted periodically as circumstances change. It might help to frame it as "if X happened in the next year, who should have POA and who should get the money?" And just accept the fact that you might need to am...
by SoDakJeff
Tue May 29, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 2178

Estate Planning roadblocks - ideas?

My wife and I are embarrassingly late in getting our estate planning completed. We've now contacted an attorney, and this time we really want to get this done. The attorney has sent us an estate planning questionnaire to fill out prior to our first appointment, and we're running into the same roadbl...
by SoDakJeff
Sat Apr 07, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital's "Complimentary Portfolio Review" - Thoughts?
Replies: 17
Views: 1631

Re: Personal Capital's "Complimentary Portfolio Review" - Thoughts?

You have opened the Gate to the Path to Perdition. The Perdition in question is the quest to replace a perfectly good plan with a better plan. In reality the worst enemy of a good plan is a better plan. It is up to you to cast aside the devil. But, if you really want to take this seriously you had ...
by SoDakJeff
Sat Apr 07, 2018 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital's "Complimentary Portfolio Review" - Thoughts?
Replies: 17
Views: 1631

Personal Capital's "Complimentary Portfolio Review" - Thoughts?

I've learned a lot in the past year and a half, thanks to this forum and other reading I've done, but in no way would I consider myself to be well-educated in all things financial. When I retired, I learned enough to move all of our retirement savings over to index funds at Vanguard, except for my w...
by SoDakJeff
Sun Mar 11, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 20667

Re: Books that have actually changed your life, in a way.

I'm almost a little embarrassed to tell everyone my choice. But, it's a book and it certainly changed my life because it turned me into an avid reader of books on many subjects. I come from a family of readers, but when I was younger I was somewhat the black sheep of the family because I just couldn...
by SoDakJeff
Wed Jan 10, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: New to HSA's - A Couple of Questions
Replies: 5
Views: 701

New to HSA's - A Couple of Questions

I went on my wife's health insurance this year as a bridge until I get Medicare next year. We went with the HD/HSA plan, and I don't feel like I'm off to a very good start. Before I start complaining to somebody, I was wondering if you could tell me if the issues I've got are common with HSA's or no...
by SoDakJeff
Fri Jan 05, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6343

Re: Airbnb - Guide a beginner

Thank you all! I appreciate your advice and pointers. If my wife and I actually get around to taking this vacation, I'll be sure to post all of our vacation photos for you to enjoy! (Just kidding...)
by SoDakJeff
Thu Jan 04, 2018 6:18 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6343

Airbnb - Guide a beginner

All of this cold weather has my wife and me thinking about a little vacation - maybe Mexico or the Caribbean. In the past, we've always just booked at one of the resorts, but I'm interested in giving Airbnb a try. I was hoping that some of you who have experience with this could give me some pointer...
by SoDakJeff
Thu Dec 14, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5825

Re: How much to invest in a house before selling

If you are using a real estate agent, ask questions and listen. Take their advice sometimes. 1. How old is the roof? Do buyers in your area demand new roofs? Do insurance companies? If yes, then you should replace the roof as it will make the selling/sale process smoother. 2. Radon. Do buyers expec...
by SoDakJeff
Thu Dec 14, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5825

Re: Downsizing - How much to invest in a house before selling?

Is the carpet a bad style or does it just need a cleaning? How much you can do also depends on the price of the house? Is this a starter house with buyers who likely wont have a lot of extra cash to do upgrades or is it more expensive where a buyer might not mind hiring painters and putting in new ...
by SoDakJeff
Wed Dec 13, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 3135

Re: Concert Decision and Advice

Go! But don't judge the concert experience on your attendance at one concert. You need to see several to make an informed judgement. I've been to many concerts in my life, and while some were memorable and wonderful, some were truly awful and a waste of my time and money. As others have said, it can...
by SoDakJeff
Wed Dec 13, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Downsizing - How much to invest in a house before selling?
Replies: 41
Views: 5825

Downsizing - How much to invest in a house before selling?

My wife and I are in the process of getting rid of some of our accumulated junk with the idea of downsizing to a newer, smaller, more "user-friendly" house (ranch vs current split level). Our project has opened our eyes to some of the maintenance that we've deferred over the years. For instance - Th...
by SoDakJeff
Tue Nov 21, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2754

Re: Paying cash for medical care - best practice?

Is there an ACA plan that might let you continue coverage with your doctors? It might cost more than your wife's plan, but it might give you the coverage you want to bridge the gap to medicare. My original plan was to get an ACA plan between COBRA and Medicare. But I guess I hadn't been paying enou...
by SoDakJeff
Tue Nov 21, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2754

Re: Paying cash for medical care - best practice?

As a doctor I highly recommend against this plan. A patient of mine signed up for Catastrophic insurance and subsequently got diagnosed with cancer. The catastrophic insurance did not cover any of the chemo medications that are given as an outpatient. They can run on the order of $100,000 per drug ...
by SoDakJeff
Tue Nov 21, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2754

Re: Paying cash for medical care - best practice?

If you are paying cash, isn't your exposure unlimited? What happens in a situation where you need expensive treatment? Are your doctors going to refer you to someone in her network? That's what I thought would happen. If something serious happened to me (broken bone, suspected appendix or gallbladd...
by SoDakJeff
Tue Nov 21, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2754

Re: Paying cash for medical care - best practice?

[/quote] Chances are that you would get billed more than what the insurance pays; that's part of one real problem with current health care... those without insurance pay *more* for the privilege of paying cash directly. You may well be expected to pay the full billed price. That will probably be dif...
by SoDakJeff
Tue Nov 21, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2754

Re: Paying cash for medical care - best practice?

Sorry if I wasn't clear on my first post - I would not be transferring to the new doctors in my wife's health system. I was thinking of just continuing to see the doctors I've been seeing for years in my current health system and paying cash for the visits. My thought was that the cost of several ro...
by SoDakJeff
Tue Nov 21, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Paying cash for medical care - best practice?
Replies: 27
Views: 2754

Paying cash for medical care - best practice?

I'm currently retired, my wife is still working. I'm on COBRA, but it's ending soon, so I'll be going on my wife's health plan through her employer for the next 14 months until I reach Medicare age. Where I live, we have two main health systems. All of the doctors on System A are out of network for ...
by SoDakJeff
Mon Nov 06, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 5680

Re: Considering buying a new cell phone- ideas?

Thank you all for your helpful responses so far. I'm leaning towards the Moto G5 Plus, which, as somebody suggested above, is an incremental improvement over the G4 Plus. But still giving it thought. I may not act for a few months, and who knows what new possibilities there may be? Fortunately, unl...