Search found 124 matches

by cashmoney
Fri Jul 20, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 59
Views: 2776

Re: Fake IRS calls - anybody care?

RudyS wrote:
Fri Jul 20, 2018 8:23 am
Our local police say just hang up on the calls. Only notify PD if you actuallky gave info or lost money.


or you can do a citizens arrest ! https://www.youtube.com/watch?v=9efgLHgsBmM
by cashmoney
Fri Jul 20, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 33
Views: 2024

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I'm trying to decide between F and G now. I thought my insurance agent said I could take G now and still move into F in the future if I decided to make that change (if medical underwriting accepted). My bigger concern is F closing in 2020 to new people. Seems like for the most part the youngest peo...
by cashmoney
Fri Jul 20, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 19
Views: 878

Re: Medicare Supplement question re Guarantee Issue

If I take my Firm's Medicare supplemental plan (creditable), Firm requires me to sign up for Original Medicare Parts A & B at 65, when my Firm supplement ends in 2022 according to Medicare.gov's website, I would have Guaranteed Issue (GI) to various plans, including Plan F. My supplement ends in 20...
by cashmoney
Thu Jul 19, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 19
Views: 878

Re: Medicare Supplement question re Guarantee Issue

If I take my Firm's Medicare supplemental plan (creditable), Firm requires me to sign up for Original Medicare Parts A & B at 65, when my Firm supplement ends in 2022 according to Medicare.gov's website, I would have Guaranteed Issue (GI) to various plans, including Plan F. My supplement ends in 20...
by cashmoney
Tue Jul 17, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance premium question
Replies: 7
Views: 684

Re: Term Life Insurance premium question

My husband recently completed underwriting for a 30 year 1,000,000 term life insurance policy through Farm Bureau. When we received the policy documents today, there is a statement that basically reads " while we fully expect the premium to remain level for 30 years, the current premium is only gua...
by cashmoney
Sun Jun 24, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Medicare Choices - what you can do now
Replies: 3
Views: 635

Re: Medicare Choices - what you can do now

Other than premiums Medicare supplement benefit remain constant however MA and PDP plans benefits/premiums can change annually. Information on 2019 benefits are not available until after Oct. 1 so its hard to plan for that now.One big change for 2019 is that CMS is bringing back the " Open Enrollmen...
by cashmoney
Fri Jun 15, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a good CPA?
Replies: 8
Views: 621

Re: How to find a good CPA?

I received a notice from the IRS for discrepant income from securities. One of my brokers submitted the 1099B twice to the IRS so that is part of the problem. But the way the IRS lists out the differences in securities and treats it as income is confusing. So I'm looking for a good CPA to help sort...
by cashmoney
Fri Jun 15, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3847

Re: Non-alcoholic drinks for wedding

Green Crush has become very popular in malls around here. My wife is obsessed and has been trying to make agua frescas that taste just as good. They would be great for a large gathering like a wedding. Looks like they cater too: https://www.greencrush.com/catering Are you totally against your guest...
by cashmoney
Wed Jun 06, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5706

Re: When should you consider removing the collision coverage on a car?

I drive a vehicle worth about 5000 but haven't dropped collision yet ( would save about 80.00 on 1000 premium ) because I seem to get a crack in my windshield about every 18 month and it is covered 100% with no deductible in Florida.windshield claim doesn't effect premiums
by cashmoney
Wed May 30, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Midland National [life insurance company]
Replies: 3
Views: 313

Re: Midland National [life insurance company]

Hi, After looking high and low, arrived at Midland National for a $2M Term policy? The company is A+ rated - however, it never shows up in any ranking when you search for 'best life insurance companies'...any thoughts / experience with Midland National? Thanks! Irish What is this 'best life insuran...
by cashmoney
Wed May 30, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Recommend new TV for 93 year old lady
Replies: 28
Views: 1983

Re: Recommend new TV for 93 year old lady

Time to replace her old tube TV. Would appreciate any recommendations (before I, a below average tech savvy person, scours the Best Buy reviews) Requirements: - Screen size in the 40 inch range - Budget <$300 - Easy and intuitive remote (with big letters) - Clear picture (obviously) - Able to accom...
by cashmoney
Sun May 27, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8683

Re: Help Buying Mens Shoes for Work and Dating

Which type/style of shoes would you recommend for me, for the three activities I do below? I recently posted a question about helping in building a wardrobe where I received a lot of good input. Now, I need some advice on selecting shoes. I am wondering if I can get away with one or two nice pairs ...
by cashmoney
Wed May 09, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1872

Re: Florida road trip - what towns to stay in?

For staying near Jacksonville, look a bit in to Amelia Island/Fernandina Beach. Excellent compact historic downtown, great restaurants, no highrises. Yeah I'd consider both of those. If you're actually starting in Jacksonville (and I'd go with the options above instead), the San Marco area is nice ...
by cashmoney
Wed May 09, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3467

Re: Which cordless weed whacker to buy?

I have a rather large hillside lot. We currently have have 5-6inches of wild grass growing on it that will turn to hay by July and become a fire hazard. What's the best cordless weed whacker to buy? I will probably have to deal with this once a year until I put in irrigation and landscaping. And pr...
by cashmoney
Mon May 07, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6496

Re: When to buy new underwear?

Are there any issues with wearing the same boxer briefs for a really long time? Assuming they are kept clean, washed, etc. My partner says underwear has to be changed out every year, but that does not make any sense to me. I only swap them out when the waistband, which is usually the first thing to...
by cashmoney
Fri May 04, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 5044

Re: Buying a Boat

I understand the bullets may start flying on this one, as boats in general are very un-Boglehead. Bottomline is I'm an avid fisherman, as our my kids, and I think the time is right. Plus I can afford it. I'm looking to buy an older model Boston Whaler, 17-19 feet, price range $10-15k. I may be open...
by cashmoney
Wed May 02, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Medicare Phone Calls
Replies: 26
Views: 2416

Re: Medicare Phone Calls

If they are calling your cell phone it has been hacked.You can google your cell phone # and if you see it the results you know. I get such phone calls on my cell phone. It's a flip phone. I don't think it's even possible to hack a flip phone. I should have said your they get your cell phone number ...
by cashmoney
Wed May 02, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 5491

Re: Home Theater Stereo/Speakers

Looking for a home theater stereo and floor speakers. Not that interested in surround sound (room is not good for it) but may be in the future. Yamaha Bluetooth Audio & Video Component Receiver Black (RX-V385BL) https://www.amazon.com/Yamaha-Bluetooth-Component-Receiver-RX-V385BL/dp/B07BNXXJKB/ref=...
by cashmoney
Wed May 02, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Medicare Phone Calls
Replies: 26
Views: 2416

Re: Medicare Phone Calls

At the beginning of this month I was six months from 65. I started to get a lot of unsolicited calls the first Monday of the month. I thought it would end but it's weeks later and still getting 8 to 15 per day, 5 days per week. I turned off the phone so I don't need to hear the constant ringing but...
by cashmoney
Wed May 02, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance strategies for working Medicare recipient and non-working spouse
Replies: 11
Views: 816

Re: Health insurance strategies for working Medicare recipient and non-working spouse

My spouse, who is 65 and on Medicare (along with a Part D plan and Medigap plan subscribed before returning to the workforce) has taken a position with decent health insurance through a Aetna PPO (company pays 80% her, 70% of mine). I am retired, and a couple years away from 65. We are now trying t...
by cashmoney
Mon Apr 23, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Your own General Contractor
Replies: 33
Views: 3134

Re: Your own General Contractor

We built a custom built home with a builder and can say unless you are not working and have 100% of time to devout AND don't have a construction background I would say don't do it. It was VERY time consuming making probably 10% of the total decisions that were needed to build a house. Then you have...
by cashmoney
Sat Apr 21, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 8194

Re: Do you buy new or used cars?

My main reason to buy new is that you never really know what accidents / damage the used car had. Not all are reported. Other, smaller reasons: - recent price difference between new vs used does not seem as big as it used to be - latest safety features - I'd keep a car that was bought new for longe...
by cashmoney
Wed Apr 04, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Why are some term life insurance quotes so different in price?
Replies: 6
Views: 697

Re: Why are some term life insurance quotes so different in price?

I used term4sale before and the number matches with quotacy.com and policygenius.com I liked quotacy because they act like independent agent and takes no fees from the customer (same thing applies to policygenius but I chose quotacy back then). When I signed up, the insurance company did all the bl...
by cashmoney
Sat Mar 31, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Medicare - now or later?
Replies: 20
Views: 1853

Re: Applying for Medicare - now or later?

A question for those who are/were covered under a spouse's employee health insurance: DH took MC-A at age 65, but did not take MC-B, because he is covered under my employee insurance (FEHB for federal employees.) All the language explicitly said that because he was covered by my insurance, that was...
by cashmoney
Sat Mar 31, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Medicare - now or later?
Replies: 20
Views: 1853

Re: Applying for Medicare - now or later?

A question for those who are/were covered under a spouse's employee health insurance: DH took MC-A at age 65, but did not take MC-B, because he is covered under my employee insurance (FEHB for federal employees.) All the language explicitly said that because he was covered by my insurance, that was...
by cashmoney
Fri Mar 30, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Medicare - now or later?
Replies: 20
Views: 1853

Re: Applying for Medicare - now or later?

Would appreciate comments on my applying for Medicare Part B. I am still working so I'm covered under my employer's health insurance. My 66th birthday (my FRA) is in 2 months. I'll likely continue working for a month or more beyond my FRA. I have not yet determined if I actually will retire at that...
by cashmoney
Thu Mar 29, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Should I be worried about the S&P Index fund ?
Replies: 51
Views: 6140

Re: Should I be worried about the S&P Index fund ?

Thank you for your welcome and for all the interesting replies to my posting. I was unclear in that I should have said more precisely that 23% of the S&P 500 is made up of tech companies. As a simple physicist my definition of a tech company is one that is involved in science and engineering. There...
by cashmoney
Wed Mar 28, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for retirees.. who writes this stuff!?
Replies: 8
Views: 2116

Re: Advice for retirees.. who writes this stuff!?

A retiree day trading with hard earned savings going "full-bore" as their new job is a very dangerous game indeed. Many people have forgotten the harsh lessens of 1999-2001 (or were not investing yet.) Has it been that long? Time flies. I still remember the stories of folks going off the rails and ...
by cashmoney
Sat Mar 24, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3160

Re: $35/month for washer dryer rental?

I think everybody is missing the point. The landlord wants to make an additional $35 a month from the apartment. If he doesn’t take their washer and dryer the landlord will just raise the rent an additional amount to make up for it next year. So it seems like a wash either way .....https://www.yout...
by cashmoney
Sat Mar 24, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: $35/month for washer dryer rental?
Replies: 37
Views: 3160

Re: $35/month for washer dryer rental?

Hi All, I've got an apartment lease coming up that that I intend to stay at for ~3 years who are offering a washer dryer rental for $35/month, which I think is kind of high. Do you think that $35/month is a reasonable cost? I am wondering if I should just purchase my own washer/dryer in-unit. For e...
by cashmoney
Fri Mar 23, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is the sentence for laminating a Medicare Card?
Replies: 20
Views: 3634

Re: What is the sentence for laminating a Medicare Card?

Recently I applied for Medicare and I received and promptly laminated my cardboard medicare card. I am told that I might have violated prohibitions against laminating social security and/or medicare cards. Does anyone know how many years I am looking at? I am told that there is no reduction in sent...
by cashmoney
Wed Mar 14, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Tips on saving on living expenses for a first time single householder
Replies: 46
Views: 3392

Re: Tips on saving on living expenses for a first time single householder

Hi all, I'm 25 years old living in a low COL city in the Midwest. I'm finally moving into an apartment on my own without a roommate for a 15 month lease. I'm taking evening classes and working full-time at an accounting firm. My hope with living alone now is to cutback on wasteful spending that I i...
by cashmoney
Wed Mar 07, 2018 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Dental plans
Replies: 21
Views: 1909

Re: Dental plans

I think one of the benefits of dental insurance is you get the network, discounted fee. In my experience, retail dental fees are not as ridiculously out of whack as medical/hospital fees but they still are probably twice what insurers allow. I think it is very debatable, but probably worthwhile. I ...
by cashmoney
Wed Mar 07, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Dental plans
Replies: 21
Views: 1909

Re: Dental plans

My 87 yr old mom is asking for help with finding a reasonably priced dental plan. Anyone have a recommendation to consider or avoid? AARP Delta Dental seems to get mixed reviews. Thanks you in advance. The best policy is to find a good HONEST dentist and pay cash.people think that dental insurance ...
by cashmoney
Sat Feb 10, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451041

Re: U.S. stocks in freefall

Cramer said that excessive XIV trading (the volatility index symbol, an ETF of some sort I guess) causes the wild swings in the total market. Is this true? Is it a derivative of some sort? How would trading just this one thing cause volatility in the whole stock market? It sounds like the tail wagg...
by cashmoney
Fri Feb 09, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4703

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

Should you sell your investments when they start dropping? When should you invest during this market correction? I don't see why not sell now and wait for the market to drop more and then buy them again. Will the market go up as fast as it is going down? (I am kind of playing devil's advocate here)...
by cashmoney
Fri Feb 09, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Best TV options for multiple residences?
Replies: 9
Views: 623

Re: Best TV options for multiple residences?

We now have 3 residences (don't ask) and I'm looking for an economical way to run the TV programming. I believe I can use my Amazon and Netflix subscriptions at each place. I pay for HBO in one place now. I think we mostly watch ABC/NBC/CBS and CNN. Any ideas? I have comcast cable/internet at my ma...
by cashmoney
Fri Feb 02, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1451041

Re: U.S. stocks in freefall

I see the term FOMO(Fear of missing out) in past articles on the rally. Do you feel FOMO on sale days like these? I do :( ... I wish I had some cash coming in at the moment so I could buy on an RBD like today. Me too. IWell I did have money to put in the market today about 100k - only problem is it...
by cashmoney
Thu Feb 01, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.
Replies: 15
Views: 1276

Re: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.

Hello, I need to replace 6 crowns in my mouth, those crowns were put in about couple years ago and at that time I had dental insurance with Company A and they covered the claim. Last year I switched jobs and now have a new insurance. My new dentist suggested that all 6 crowns need to be replaced (a...
by cashmoney
Fri Jan 26, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Veterans-Medicare coordinate?
Replies: 6
Views: 311

Re: Healthcare Veterans-Medicare coordinate?

I hope I am asking this question in the correct area. Wife's and my situation...... I am retired for the most part. My wife is still employed and has healthcare for the both of us. She will be retiring soon, and will be purchasing COBRA until Medicare eligible. I have always used her insurance for ...
by cashmoney
Fri Jan 26, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare Veterans-Medicare coordinate?
Replies: 6
Views: 311

Re: Healthcare Veterans-Medicare coordinate?

I hope I am asking this question in the correct area. Wife's and my situation...... I am retired for the most part. My wife is still employed and has healthcare for the both of us. She will be retiring soon, and will be purchasing COBRA until Medicare eligible. I have always used her insurance for ...
by cashmoney
Thu Jan 25, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 3102

Re: Bank signup bonus 1099

What I do know: -Signup bonuses for checking/saving accounts for subject to tax and I could(?) be mailed a 1099. -Signup bonuses for credit cards are not taxed What I'm not sure about: -I have read that although bonuses from checking/savings accounts are subject to tax and that I should be expectin...
by cashmoney
Wed Jan 24, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Choosing Medicare Supplement Provider by Price Alone?
Replies: 2
Views: 355

Re: Choosing Medicare Supplement Provider by Price Alone?

Has anyone seen a reason to chose one provider over another for any reason other than price? I recently saw a post indicating that they looked at customer satisfaction surveys. The way medicare works I don't see any circumstance where you would need to interact with your supplemental plan provider ...
by cashmoney
Thu Jan 18, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5575

Re: 4k UHD TVs worth it?

I don't know if I'm just bored or what, but lately I've been looking into buying a new TV even though we don't "need" one. We have a 6-7 year old Samsung LCD 1080P TV now. I'm amazed at how cheap the new 4k UHD TVs are right now and it's tempting me to upgrade, especially now that all the streaming...
by cashmoney
Fri Jan 05, 2018 12:57 am
Forum: Investing - Help with Personal Investments
Topic: 86 year old mother wants to break away from financial adviser..
Replies: 8
Views: 1397

86 year old mother wants to break away from financial adviser..

MY 86 yr mother wants me to help her get her portfolio away from Raymond James mainly because because she feels she hasn't participated in the bull market as much as other people she talks to have - yes she likes her some stock market! I want to get her away from Raymond James to lower her exposure ...
by cashmoney
Wed Jan 03, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify things.
Replies: 2
Views: 450

Re: Trying to simplify things.

cashmoney: You can sell, buy and exchange funds in non-taxable accounts without worrying about taxes. In most companies, there are also no fees. It appears you should sell the unwanted funds as soon as possible to enjoy the many benefits of simplification. Read my "Simplicity" link below. Best wish...
by cashmoney
Wed Jan 03, 2018 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to simplify things.
Replies: 2
Views: 450

Trying to simplify things.

Thanks to all the great information I got here I went from managed accounts at Ameritrade and Fidelity to a self directed 3 ETF portfolio .I use all Black Rock ETFs at Fidelity (ITOT,AGG , IXUS) however because of various reasons at Ameritrade I have ITOT for total stock market,AGG for total bond ma...
by cashmoney
Sat Dec 23, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good degree or certification to get after college that employers like?
Replies: 11
Views: 1349

Re: What is a good degree or certification to get after college that employers like?

I currently have a bachelors degree in a humanities major. I graduated with a high GPA several years ago. I also have taken the GRE and scored very well. I was looking at all the available degrees, and the list I have now is JD (law), MD/DO (medicine), CPA (accounting), PhD (teaching?), Masters deg...
by cashmoney
Sat Dec 23, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good degree or certification to get after college that employers like?
Replies: 11
Views: 1349

Re: What is a good degree or certification to get after college that employers like?

I currently have a bachelors degree in a humanities major. I graduated with a high GPA several years ago. I also have taken the GRE and scored very well. I was looking at all the available degrees, and the list I have now is JD (law), MD/DO (medicine), CPA (accounting), PhD (teaching?), Masters deg...
by cashmoney
Sat Nov 25, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 33
Views: 5034

Re: The Wolf of Wall Street

I thought the movie was funny and over-the-top raunchy. Having said that, after the movie I saw some interviews with him and he is trying so hard to act like a changed man, but you can clearly see he is still a slime ball. Yeah, the link above was an eye opener. He has not paid anything to the vict...