Search found 306 matches

by Ruger
Mon Jun 08, 2020 12:18 am
Forum: Personal Consumer Issues
Topic: GE Profile Refrigerator/Freezer vs Regular GE
Replies: 45
Views: 2718

Re: GE Profile Refrigerator/Freezer vs Regular GE

We bought a GE Profile French door unit in 2014. I would NOT buy it again. It is very noisy when running. I notice very few store will have any models running for energy concerns, so you may have to search reviews. I think my next replacement will be a higher end unit with great low noise reviews. ...
by Ruger
Sat May 16, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6795

Re: How to get disinfecting wipes..seriously

I found them at the Dollar Store. They had a lot of them but I just picked up one box to use on airplanes when traveling. Of course the box is still unopened, given the state of traveling right now.
by Ruger
Thu May 14, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12373

Re: Dentist charges $10 for PPE

I would rather have the dentist just raise their standard fee by $10 if they really need to. Otherwise I feel like I'm getting nickeled and dimed to death.
by Ruger
Mon May 04, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2402

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

I have one. The only issue with it was when someone stole the whole mail box instead of just the mail. Fortunately nothing of value was in it and it was replaced without further incident.
by Ruger
Wed Apr 15, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Airline refusing to issue refunds
Replies: 167
Views: 15830

Re: Airline refusing to issue refunds

I had a flight that was not cancelled by Delta but which I no longer needed since my tour was cancelled. I called Delta and they promptly returned the air line miles I had used to get the tickets, along with the taxes. My flight through Delta to Turkey was not cancelled, but useless since the tour w...
by Ruger
Mon Apr 06, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 21830

Re: What are you doing for haircuts due to coronavirus shutdown?

Female with super thick hair that grows fast. I could use a trim but have a ways to go before it starts looking too shaggy. I have never colored my hair so I won't be going through the skunk phase.
by Ruger
Mon Apr 06, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 21830

Re: What are you doing for haircuts due to coronavirus shutdown?

Female with super thick hair that grows fast. I could use a trim but have a ways to go before it starts looking too shaggy. I have never colored my hair so I won't be going through the skunk phase.
by Ruger
Wed Jan 22, 2020 11:00 pm
Forum: Personal Consumer Issues
Topic: Costco Optometrist vs Independent Office Eye dr
Replies: 42
Views: 3255

Re: Costco Optometrist vs Independent Office Eye dr

I am a retired Optometrist. I worked in a commercial setting, but not Costco. Everyone got dilated. Everyone had a glaucoma test. Everyone had visual fields done. Comprehensive examination at a reasonable price. Optometrists now days are not only trained to detect eye disease, they are trained to tr...
by Ruger
Thu Jan 16, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Leave my beneficiary 100/75/50/25 or 0% of my pension?
Replies: 57
Views: 3576

Re: Leave my beneficiary 100/75/50/25 or 0% of my pension?

I'd take the $68K 100% option solely based on the age difference and the fact that you have young kids. My niece recently went through something like this. Her husband retired, drew his retirement pension for less than a year and a half, and then died from cancer. So here she is now, 38 years old wi...
by Ruger
Wed Dec 18, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Does it matter which month I file for Social Security survivor benefits?
Replies: 17
Views: 1699

Re: Does it matter which month I file for Social Security survivor benefits?

DebiT wrote: Sun Dec 15, 2019 11:17 pm My husband's benefit if I claim it in 2020 would be about $27000.
Is that the reduced amount you are going to receive because you are not at full retirement age? You will not get the full amount he would have been due.
by Ruger
Wed Dec 18, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Widow survivor benefit age 62 = file and suspend ??
Replies: 18
Views: 1180

Re: Widow survivor benefit age 62 = file and suspend ??

As mentioned above, the person gave you incorrect information. I filed for survivor benefits at age 61 and I am not collecting on my own account until I turn 70. Just be aware that if you are not at full retirement age you will receive a reduced amount and there are income restrictions you need to m...
by Ruger
Thu Nov 28, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: Just Starting Down The Rabbit Hole
Replies: 53
Views: 4484

Re: Medicare: Just Starting Down The Rabbit Hole

I just went on Medicare in July and it wasn't as complex as I thought. I highly recommend using Boomer Benefits. They have lots of educational videos on You tube, and they will shop plans in your area and let you know the best deals. The best thing I like is that if you have any problems with Medica...
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: 5421

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: 6998

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: 17640

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: 6972

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: 1450

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: 1450

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: 1450

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: 17640

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: 17640

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: 17640

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: 3766

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: 3443

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: 17640

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: 4068

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: 92
Views: 9648

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: 5520

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: 11739

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: 4020

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: 3544

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: 12304

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: 9852

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: 1329

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: 5909

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: 2408

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: 1577

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: 1637

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: 211
Views: 24630

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: 60
Views: 6567

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: 10393

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: 35
Views: 4276

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: 4142

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: 2561

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: 35
Views: 4276

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: 4080

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: 13487

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: 6094

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: 17557

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: 4813

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.