Search found 294 matches

by Ruger
Fri Sep 27, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Protection From Catastrophic Medical Costs When Fully Insured
Replies: 109
Views: 4937

Re: Protection From Catastrophic Medical Costs When Fully Insured

Contact your state insurance regulatory commission. I did this once when I was expecting to get hit with a high emergency bill and they were very helpful. Fortunately the doctor wrote it off.
by Ruger
Tue Sep 10, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 4137

Re: Costco washer/dryer delivery: tipping?

When our Costco washer & dryer were delivered, they had to take a lot of care to fit them through our unusually narrow doorways. I also asked if they'd stack them (and had the stacking kit on hand). They cheerfully assembled it in place. I gave each of the 2 guys $20 as gratitude for my atypical se...
by Ruger
Sun Sep 01, 2019 11:29 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15927

Re: What is your hobby and how did it come to be your hobby?

For Bullseye I switched over to a red dot, everyone is using them, even the youngsters. I actually prefer iron sights, but find the red dots are great for Bullseye and Speed Steel. I despise red dots. I think they were just invented for people who can't learn to shoot with irons. Probably what grum...
by Ruger
Sun Sep 01, 2019 11:26 pm
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6518

Re: What, besides dishes, do you run through your dishwasher?

A handgun. I've always heard you can run a Glock through the dishwasher to clean it, so I decided to give it a try. Worked fine, although I prefer to do it by hand. But I had to try it!
by Ruger
Sat Aug 17, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Question about income and Medicare Premiums
Replies: 19
Views: 1297

Re: Question about income and Medicare Premiums

Yes, filing your 2021 taxes in 2022 will show your reduced income which then gives them sufficient time to reduce your premiums for 2023. Medicare premiums are based on calendar years so you will only have to pay the increased premiums from August through December of 2022. I started Medicare July 1...
by Ruger
Sat Aug 17, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Question about income and Medicare Premiums
Replies: 19
Views: 1297

Re: Question about income and Medicare Premiums

I started Medicare July 1 and got caught in the IRMAA net because of an inheritance I got two years ago. Does that mean after December of this year I don't pay extra for IRMAA, or do I have to pay it until July 1 2020? It's confusing! Your current IRMAA surcharge will end in December 2019. Your inc...
by Ruger
Sat Aug 17, 2019 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Question about income and Medicare Premiums
Replies: 19
Views: 1297

Re: Question about income and Medicare Premiums

Yes, filing your 2021 taxes in 2022 will show your reduced income which then gives them sufficient time to reduce your premiums for 2023. Medicare premiums are based on calendar years so you will only have to pay the increased premiums from August through December of 2022. I started Medicare July 1...
by Ruger
Sun Aug 11, 2019 12:17 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15927

Re: What is your hobby and how did it come to be your hobby?

BITD (back in the day), I started with competitive NRA Bullseye (Olympic Sport type), then IPSC and IDPA when it became popular. The highest classification I was able to achieve was "B" class. However, many years ago, failing eyesight and physicality (aging) prevented me from continuing at a decent...
by Ruger
Sun Aug 11, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15927

Re: What is your hobby and how did it come to be your hobby?

"B" class is good! I'm only a C in USPSA production class, but since I didn't even start it until I was 63, I'm happy with that.
by Ruger
Sun Aug 11, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15927

Re: What is your hobby and how did it come to be your hobby?

Competitive shooting. Mostly handguns, but an occasional 2 gun (hand gun and rifle) or 3 gun (add in a shotgun). Got started in it when we moved to the country and decided to purchase handguns for self protection since calling the sheriff could involve quite a wait before they showed up. Decided I ...
by Ruger
Sun Aug 11, 2019 12:00 am
Forum: Personal Consumer Issues
Topic: Please Help Me Find a Travel Group for My 70-Year-Old Mom
Replies: 43
Views: 3517

Re: Please Help Me Find a Travel Group for My 70-Year-Old Mom

She might want to check out a FaceBook page I belong to called Over 60 Women Travel Buddy Search Group. It's not a travel group, but a page for older women travelers to look for other women to travel with and also plan group travel together. So far ideas range from a tour of Sweden via train to rent...
by Ruger
Tue Aug 06, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare vs Eye Docs
Replies: 34
Views: 3082

Re: Medicare vs Eye Docs

Retired optometrist here. As far as your records go, contact your state Optometry board. They should be able to tell you how to contact your retired optometrist to get copies of your records. I retired 4 years ago and still get an occasional request. You do have the option of going to your regular o...
by Ruger
Tue Aug 06, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15927

Re: What is your hobby and how did it come to be your hobby?

Competitive shooting. Mostly handguns, but an occasional 2 gun (hand gun and rifle) or 3 gun (add in a shotgun). Got started in it when we moved to the country and decided to purchase handguns for self protection since calling the sheriff could involve quite a wait before they showed up. Decided I r...
by Ruger
Mon Aug 05, 2019 2:42 am
Forum: Personal Consumer Issues
Topic: How do you find good travel deals?
Replies: 20
Views: 3511

Re: How do you find good travel deals?

I use Gate 1. They put on great trips for reasonable prices. Went to China in April on one of their trips and enjoyed it so much I'm signed up for three more tours. They always have discount codes available. You can sign up for a full tour, of just air fare and hotel. As far as rental cars go, I use...
by Ruger
Mon Jul 29, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: My Fido retirement meeting pushing me to SMA
Replies: 90
Views: 7884

Re: My Fido retirement meeting pushing me to SMA

I got an email from my Fido guy last month wanting to do an annual review of my accounts. So I go in, and he doesn't know why I am there. I remind him he emailed me to review things. Of course he mentioned the SMA and how great it was. Has sent me a couple of emails, which I ignored. I'll make sure ...
by Ruger
Wed Jul 24, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5112

Re: Accord approaching 100k miles, how to push it beyond

I had a 1999 Camry that I gave to my nephew when it had 321,000 miles. He drove it another couple of years, and just gave it to a friend of his who is still driving it and putting miles on it. It will not die. I live on a dirt road, so a lot of those miles were on dirt. I wasn't even very good about...
by Ruger
Sun Jul 14, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10166

Re: Who cuts your hair? And for how much?

Great Clips, I usually wait until they have a special going on. I think the cut is $7.99 to $9.99 depending on special, excluding tip.
by Ruger
Fri Jul 12, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3734

Re: Going to law school question

I met a guy that got a law degree on line, never took the bar, but needed the degree as part of his business.
by Ruger
Fri Jul 12, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 3240

Re: 2016 Car with only 11,000 miles?

I bought a used Ram 2016 truck that had 6,000 miles on it. I've only put another 3500 on it since. So low miles may not indicate problems, but just people like me who don't drive a particular vehicle a lot (my car is another story!). But definitely get a past vehicle history report.
by Ruger
Fri Jul 12, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap vs Advantage: Which did you select?
Replies: 199
Views: 10181

Re: Medigap vs Advantage: Which did you select?

I just signed up for Original Medicare with Plan G and Plan D. I chose that over a Medicare Advantage plan because I want to travel a lot, and it's even possible I'll become a snowbird at some point in time. But more importantly, when I had an ACA plan I would not do things I should have had done, a...
by Ruger
Mon Jul 01, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 6417

Re: Frontier or Spirit Airlines

I flew Spirit once and hated it so much that I decided I would never fly them again. The seats and plane in general was worn and dirty, like it was a retired plane they bought off a major carrier. Seats were cramped, wouldn't recline, padding was so thin in bottom cushion it was barely tolerable to ...
by Ruger
Thu Jun 27, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Need guidance on a tricky situation
Replies: 21
Views: 1253

Re: Need guidance on a tricky situation

If he was doing you a favor by watching the house and dog for free, pay the bill. $150 is a lot less than it would have cost to hire a house/dog sitter or to kennel the dog.
And as mentioned above, the front door jamming had nothing to do with him locking the garage door.
by Ruger
Tue Jun 18, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 4549

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

<Sigh> Disclosure: I am a retired optometrist, and I see that I've been on this forum since 2007. Since that time, I have seen many hundreds of similar posts about eyeglasses and responded to many of them. Here's my overview response. Take it for what it's worth--just my honest opinion. First of al...
by Ruger
Mon Jun 17, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: wood floors and general cleaning: steam?
Replies: 29
Views: 2227

Re: wood floors and general cleaning: steam?

A Google search says never use a steam cleaner, it can cause damage or ruin your floors. https://www.wikihow.com/Clean-Engineered-Hardwood-Floors "Never use a steam cleaner on your engineered hardwood floor. While a steam cleaner can be a useful tool for cleaning a carpet floor, it should never be u...
by Ruger
Sat Jun 15, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: Mailers for Medicare, AARP, etc to a younger person
Replies: 20
Views: 1457

Re: Mailers for Medicare, AARP, etc to a younger person

I started getting stuff from AARP when I turned 50. Now that I am turning 65 my mailbox is being flooded with stuff from insurance companies wanting to "help" me pick the right Medicare supplement.
by Ruger
Fri Jun 14, 2019 11:51 pm
Forum: Personal Investments
Topic: Fidelity customer service
Replies: 15
Views: 1521

Re: Fidelity customer service

I've been a client of Fidelity for years and have never had an issue with them. Sounds like this lady has a chip on her shoulder and I would definitely report her. Fidelity needs to be made aware if this is a pattern with her.
by Ruger
Fri Jun 14, 2019 11:48 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 212
Views: 23345

Re: How have your homes as investments done?

I purchased my home on acreage in 1985 for $82,000. It's worth about $600,000 now.

I also purchased a rental condo in 2013 for $95,000 and put $15,000 into a remodel . The condos now sell for around $235,000.
by Ruger
Tue Jun 11, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3391

Re: Good Rx

I have never used my insurance to buy my medications.....it is much cheaper for me to pay out of pocket.
by Ruger
Sat Jun 08, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 9448

Re: Costco or Sam's Club?

No Sam's in my area so I have no comparison. If I go to Costco Weds afternoon it's never crowded. And the few times I do go when there is a crowd, the lines seem to move fairly quickly.
by Ruger
Mon Jun 03, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Blinds for Windows - Where is the best value ?
Replies: 30
Views: 2538

Re: Blinds for Windows - Where is the best value ?

Thanks Do you know if JC Penny comes out and measure it before I order ? I am not sure, but their website at the time showed how to measure for them. It wasn't difficult, I just measured and ordered. I did not order custom blinds, these are standard sizes. So if you make a mistake no problem return...
by Ruger
Mon Jun 03, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3969

Re: Invited to vacation house then surprised with expenses—what now?

They rented the house for a week, you are spending three days there. I would offer to pay for the three nights (approx $471) and not more. You should be involved in this decision because it is your money as well as your wife's. They should have made it clear at the beginning what the cost was, and o...
by Ruger
Fri May 31, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Should my wife and I cancel our Whole Life Insurance policies?
Replies: 31
Views: 2418

Re: Should my wife and I cancel our Whole Life Insurance policies?

Get rid of the insurance and get rid of your financial advisor. He is not looking out for your best interests.
by Ruger
Fri May 31, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Blinds for Windows - Where is the best value ?
Replies: 30
Views: 2538

Re: Blinds for Windows - Where is the best value ?

I put cordless cellular shades on all my windows.
I got good deals from two sources-JC Penneys when they had a sale, and Ebay where you can often find the same blinds.
by Ruger
Sun May 26, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct a loss for non-paying patients?
Replies: 48
Views: 3894

Re: Can I deduct a loss for non-paying patients?

I had the same issue before I retired, and the accountants answer was always "no".
by Ruger
Thu Apr 25, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 12888

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

In my fourth year of retirement and just took my first trip. 10 days in China, absolutely loved it. Planning to go to Italy, Peru, Thailand and India. Just have to decide which place is my next destination.
by Ruger
Thu Apr 25, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5505

Re: How far would you commute?

For many years I commuted an hour each way to work. Didn't bother me, put on the radio and put the brain in neutral. The only advantage I had was most of my driving was through back roads, so although I had a long distance to travel, I wasn't sitting in rush hour traffic. The type of drive rather th...
by Ruger
Mon Apr 22, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 8093

Re: Is Crown Molding Out-of-Style?

I have a boxy, boring 1950 house. I added the crown molding myself after I moved in, and I replaced all the window and door trim and the baseboards with wide trim with a nice profile. Really makes the place look much nicer so I think it depends on the style of your home to begin with. Boring, add so...
by Ruger
Mon Mar 25, 2019 8:30 pm
Forum: Investing - Theory, News & General
Topic: Zero federal tax. Will this cause an audit?
Replies: 43
Views: 4531

Re: Zero federal tax. Will this cause an audit?

I retired four years ago and haven't paid any Federal or state income taxes since. No audits or any questions from the IRS.
by Ruger
Wed Mar 20, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4750

Re: Slow cooker vs Instant pot........

I much prefer the Instant Pot, the food comes out much better, especially chicken. It is true that the Instant Pot may not always save you time, but it saves effort. You can load it full of food, set it, and forget about it. I haven't used my slow cooker since I got the IP.
by Ruger
Wed Mar 06, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Chimney Cap Replacement
Replies: 20
Views: 1426

Re: Chimney Cap Replacement

I had caps put on this week. I have three separate ones, one for each flue. I had the chimney cleaned and the three caps put on. Local handyman did it for $200 including all three caps. The caps are nice quality stainless steel, he purchased them off FB Market place for a total of $35. They look bra...
by Ruger
Mon Feb 11, 2019 2:50 am
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 4192

Re: Passport Photos ?

I just had mine done a month ago at Costco. $4.95 for four photos.
by Ruger
Tue Jan 15, 2019 2:53 am
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 32203

Re: Funniest movies of all time? Name five of your favorites...

Blazing Saddles
Blues Brothers
Airplane (and anything else with Leslie "Don't call me Shirley" Nielsen in it).
Frisco Kid
Animal House
by Ruger
Thu Jan 10, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 6205

Re: How did you solve the pre-medicare healthcare riddle?

I retired at 61 and have been on the ACA since. Finally going onto Medicare this summer.
As mentioned above, you have to know your income so you know whether you qualify or not, and what the subsidy will be.
by Ruger
Thu Jan 03, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: What Sudden Needs of Cash Do You Prepare For?
Replies: 64
Views: 3954

Re: What Sudden Needs of Cash Do You Prepare For?

The two needs I save for are medical expenses and home repairs. Fortunately I haven't had to spend much money on either since I retired, but part of my monthly budget sets money aside for such unplanned for expenses.
by Ruger
Thu Jan 03, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Hughes internet
Replies: 16
Views: 1079

Re: Hughes internet

Check for small local providers. I live in the country, and there are several small internet companies that do a good job.
by Ruger
Sat Dec 15, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Forgoing health insurance
Replies: 112
Views: 5706

Re: Forgoing health insurance

I've thought about forgoing insurance, but then my husband had back to back hospital admissions that totaled over $875,000. That changed my mind.
by Ruger
Wed Dec 12, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 8133

Re: Is a New Car Okay if Driven 15+ Years?

I always buy new so I can get exactly what I want, and then I drive it into the ground. I had my last car 16 years and put 321,000 miles on it before I bought a new one. It still ran fine but I was concerned about driving it alone on back country roads late at night so I replaced it. I gave it to my...
by Ruger
Tue Dec 11, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119583

Re: What frugal thing did you do today?

Fixed the door handle on my microwave, thanks to YouTube.
by Ruger
Wed Dec 05, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: Has anyone on this board painted over wallpaper?
Replies: 46
Views: 3283

Re: Has anyone on this board painted over wallpaper?

I rented a house with the wall paper painted over. Totally tacky looking and I would not do it. As mentioned above, it virtually makes it impossible to remove the wall paper later. Rent a steamer and remove it yourself.
by Ruger
Wed Dec 05, 2018 12:11 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 9282

Re: Is this normal for an HOA?

My HOA asks for the same except for ages of children and an affidavit saying the information is correct.