Search found 65 matches

by cashmoney
Wed Oct 18, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 21
Views: 779

Re: Using a broker for a Supplemental Medicare Plan?

I've been using a broker for 11 years now, and my Medicare Supplement premium is $0.00. Can't do much better than that. This is surprising. Are you sure you have a medicare supplement? You do realize that a Medicare Advantage plan is NOT a medicare supplement plan? That's a good question, but the w...
by cashmoney
Wed Oct 18, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Using a broker for a Supplemental Medicare Plan?
Replies: 21
Views: 779

Re: Using a broker for a Supplemental Medicare Plan?

OP, it's pretty hard to find out the answer to your question unless you stick your toe in the water as it were; and find out what's available in your area. In doing that you have to expose yourself to some emails and perhaps phone calls, but you can get the information you seek. Have you signed up ...
by cashmoney
Wed Oct 18, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 33
Views: 2829

Re: Why not switch from Medigap F to G now?

BH forums come through again. Spoke with an AARP/UHC rep. this afternoon. Was told that I can switch from F to G at this time with no underwriting. The monthly premium (11/2017-10/2018 rate) drops from 146.19 to 123.56, which should cover the Part B deductible (183.00 in 2017, not sure about 2018)....
by cashmoney
Fri Oct 13, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5642

Re: Help me understand what happen with the new law and ACA subsidies

Actionable items: Get a job with group insurance Marry someone with group insurance Houston, we may have a problem. (1) I may be too old to get a job, but too young to be on Medicare. (2) I can't find someone with group insurance to marry. Unless one is ill, I think many under 65 will be able to fi...
by cashmoney
Tue Oct 10, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 27
Views: 1976

Re: Advice on Canceling Fidelity Portfolio Advisory Service

Hi All, First, thank you to the many active, helpful and knowledgeable participants here. I have learned a great deal in a short time due to the work and time that you dedicate to supporting others. It is greatly appreciated. Second, here is the challenge: Before I became educated in the way of the...
by cashmoney
Sun Oct 08, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 1868

Re: Medicare versus Medicare Advantage for 2018

I joined Medicare last May. I have been a satisfied SF Kaiser member for over 30 years. In checking here and other places, I was satisfied that SF Kaiser Medicare Advantage would provide me with the care I'd come to expect. So, that is what I chose. I just got my 2018 annual renewal notice and Kais...
by cashmoney
Sun Oct 08, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2336

Re: What to do with unused paint?

ved wrote:
Sun Oct 08, 2017 6:24 pm
Hi,

We got our house painted this past summer. To select the colors, we bought a lot of samples (quart size) from Sherwin Williams.
What do we do with all those samples? Can we donate them somewhere?


List in the Free section of Craigslist.
by cashmoney
Sun Oct 08, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2205

Re: Medigap Policies--So Much Conflicting Information

I guess my concern about Plan F is that the group has no new (younger) members after 2020 and the group gets sicker. Rates increase significantly as the healthier members leave since they pass underwriting. Others could get stuck with very high rates and maybe can't get out. That's a concern and al...
by cashmoney
Sun Oct 08, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2205

Re: Medigap Policies--So Much Conflicting Information

So, if you choose original Medicare plus Plan F, should you want to change Plans (from F to another Plan with same insurer) OR Insurers (from current insurer for F to different insurer for Plan F - actually I guess you'd need to change insurer AND Plan since F goes away in 2020), you may or may not...
by cashmoney
Sat Oct 07, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2205

Re: Medigap Policies--So Much Conflicting Information

I had forgotten that Plan F was going away in 2020 for new enrollees. So, the pool of people will get sicker and sicker. I know F has a few ways to price, one being age related. I saw some numbers in my area for one insurer where F was $212 at 65 and $350 at age 80 (not the high deductible version)...
by cashmoney
Sat Oct 07, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2205

Re: Medigap Policies--So Much Conflicting Information

Here's a good example of a well known provider that does not accept assignment. Also, I don't believe that they accept any Medicare Advantage plans. http://www.mayoclinic.org/patient-visitor-guide/billing-insurance/insurance/faq From the above page: Does Mayo Clinic accept Medicare patients? For ou...
by cashmoney
Sat Oct 07, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare - Guaranteed Acceptance of Medicare Supplement Plan
Replies: 2
Views: 340

Re: Medicare - Guaranteed Acceptance of Medicare Supplement Plan

I need help in figuring whether or not I am eligible for a Guaranteed acceptance of Medicare Supplement plan without going through the underwriting process. 1. Became eligible for Medicare 4/1/2015 and got Medicare Part A and B with the same effective date. 2. Had the Retiree Healthcare Benefits fr...
by cashmoney
Sat Sep 30, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5776

Re: Question About Long Term Care

But then, once you are in at an independent living level, you can transfer to higher levels of care at no extra cost. Of the CCRs I've looked into the buy-in does not include LTC, particularly for a skilled nursing facility (SKF). Whether assisted living (AL) is covered by a CCR purchase is questio...
by cashmoney
Sat Sep 30, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Care
Replies: 75
Views: 5776

Re: Question About Long Term Care

From a more humanistic sleep-at-night perspective, if you don't have kids or other younger family members you feel you can depend on to help out when you are older, it is hard to sleep at night without some reassurance that you can pay someone for these services. I would be very nervous without a, ...
by cashmoney
Tue Sep 26, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance in Texas
Replies: 9
Views: 711

Re: Dental Insurance in Texas

I was just told I had to have 16 crowns done to my lower jaw due to years of grinding and almost no tooth left. My current insurance is Humana and only pays 50% of the complete procedure ( my portion is $11,000). My question is there a better insurance plan available at a reasonable cost in my stat...
by cashmoney
Sun Sep 24, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8431

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

In accordance with the forum guidelines, I am not seeking medical advice. Rather, I am seeking actionable ideas for how I can choose which practice/practitioner to perform an upcoming procedure. Does anyone, especially any MDs on the board, know how I can go about finding out who to use for a given...
by cashmoney
Sun Sep 10, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Who actually buys lottery scratch offs?
Replies: 43
Views: 2855

Re: Who actually buys lottery scratch offs?

spectec wrote:
Sun Sep 10, 2017 6:18 pm
It's OK to buy them as long as you are realistic about the odds. Your chances of winning big are roughly the same whether you do or don't buy a ticket.



One way of improving your odds of winning is to live in mobile home- at least in Florida it seems to work that way.
by cashmoney
Thu Sep 07, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medical insurance and contract work
Replies: 4
Views: 417

Re: Medical insurance and contract work

I will be starting a new job on Monday. I will be an employee of a staffing company located in Massachusetts. I will be actually working at client company in NJ. The staffing agency does offer ACA-compliant insurance, however the job is suppose to last 2-4 months. What should I do? I really don't w...
by cashmoney
Mon Sep 04, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3432

Re: Why can't the future of stocks be predicted

investing1012 wrote:
Sun Sep 03, 2017 6:22 pm
Why can't the future of stocks be predicted, considering the fact that stocks should follow the laws of economy which you would think are based on rational actions


Because we still don't have a working flux capacitor ?
by cashmoney
Fri Sep 01, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Self insure vs Medigap when on "traditional" Medicare
Replies: 73
Views: 4799

Re: Self insure vs Medigap when on "traditional" Medicare

Be very careful of Advantage Plans. They replace Original Medicare with managed care controlled by private insurance companies so as to maximize profit, sometimes at the expense of patients. They have a lot of freedom to change rules and restrict provider networks. They can offer zero premiums beca...
by cashmoney
Thu Aug 31, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Self insure vs Medigap when on "traditional" Medicare
Replies: 73
Views: 4799

Re: Self insure vs Medigap when on "traditional" Medicare

About a third of us have group retirement insurance through a union or former employer that acts as a Medicare supplement ( although that percent is decreasing) . decreasing rapidly, in my opinion. I agree and many retired and working medicare beneficiaries who do have coverage from their employer ...
by cashmoney
Thu Aug 31, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 160
Views: 42170

Re: Time to reach 1M and 2M milestones

I was working on making my second million by the age of 30 after failing to make my first million.
by cashmoney
Tue Aug 29, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on Medicare Plan Compare
Replies: 6
Views: 665

Re: Sanity Check on Medicare Plan Compare

Greetings, DW will start Medicare next year. I've been comparing options for our state using advice from BH, our SHIP office, and Medicare.gov I appreciate your reaction to the 2 scenarios below. They were built using DW's actual drug list plus costs from actual plans I found in my search. Scenario...
by cashmoney
Tue Aug 29, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2719

Re: Purchasing a Health Plan - Not Marketplace

Wow, great information here and also confusing at the same time. I will wait until November 1st to see what the ACA has to offer. My goal is to get a insurance plan that has my doctor and hospital in network. If I can get that I'll be happy regardless of price. If you don't already have a broker I'...
by cashmoney
Tue Aug 29, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2719

Re: Purchasing a Health Plan - Not Marketplace

I have a guy from USHEALTH wanting to quote me a Premier Choice Plan. He states you can go to any doctor or any hospital. He did want my general health and prescription history in order to quote a premium. Not sure about this. I'll need to check them out. This is not really insurance , it is more o...
by cashmoney
Tue Aug 29, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2719

Re: Purchasing a Health Plan - Not Marketplace

My daughter bought her health insurance through ehealthinsurance, not Obamacare plan, much cheaper. I don't think they ask much except age and whether you smoke. If it's not ACA (Obamacare) then your daughter bought a Short Term Medical Policy which is non ACA compliant so she will pay a penalty, h...
by cashmoney
Tue Aug 29, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2719

Re: Purchasing a Health Plan - Not Marketplace

My daughter bought her health insurance through ehealthinsurance, not Obamacare plan, much cheaper. I don't think they ask much except age and whether you smoke. If it's not ACA (Obamacare) then your daughter bought a Short Term Medical Policy which is non ACA compliant so she will pay a penalty, h...
by cashmoney
Mon Aug 28, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing a Health Plan - Not Marketplace
Replies: 46
Views: 2719

Re: Purchasing a Health Plan - Not Marketplace

My daughter bought her health insurance through ehealthinsurance, not Obamacare plan, much cheaper. I don't think they ask much except age and whether you smoke. If it's not ACA (Obamacare) then your daughter bought a Short Term Medical Policy which is non ACA compliant so she will pay a penalty, h...
by cashmoney
Wed Aug 23, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Sharing information with insurance agents.
Replies: 18
Views: 1457

Re: Sharing information with insurance agents.

You could answer fairly vaguely and that often does the trick. The OP is being asked to "provide proof" of income and assets. How do you answer vaguely when asked for proof? I've been asked what my income/assets are - I've never been asked for proof of them. The last time I bought life insurance I ...
by cashmoney
Tue Aug 22, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Injury: Health Insurance definition
Replies: 26
Views: 1523

Re: Accidental Injury: Health Insurance definition

Our health insurance pays the full cost of treating accidental injuries in an emergency room. Emergency room treatments for other conditions require that deductibles be met and that co-pays be paid. I could not find a definition for "accidental injury" on our insurer's website. Does anyone know if ...
by cashmoney
Tue Aug 15, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 1924

Re: Which Audible book for Mom to convince her to get away from Raymond James

Is she likely to run out of money? If not, fix yourself a nice cup of tea and watch her favorite Netflix show with her. (If she doesn't have Netflix, get if for her now and teach her to find shows she likes.) To get her to change, you have to convince her she has made a mistake, which no one likes ...
by cashmoney
Tue Aug 15, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 1924

Re: Which Audible book for Mom to convince her to get away from Raymond James

Do this: Total up what her investments' income was last year prior to fees. Subtract out the fees she paid to her advisor. Then, find equivalent (or as close as you can come) investments at Vanguard, do the math to figure out how much she would have made there, less fees. Then put those dollar figu...
by cashmoney
Mon Aug 14, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 1924

Which Audible book for Mom to convince her to get away from Raymond James

I am trying to get my 85 year old mother away from her Raymond James adviser .This joker is charging her 1.25 AUM and still selling her very High ER funds with sales loads.What book do you recommend for the main purpose of illustrating the evils of a high cost actively managed portfolio and the advi...
by cashmoney
Thu Aug 10, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1741

Re: Advice on picking a dentist

I've moved to a new city and am confused how to find a dentist. I just want a basic cleaning. I do not want to fill out pages of medical forms and have bunch of xrays taken on this initial visit. Will dentists laugh at me when I request this? Alternately, I read that one should make a "consultation...
by cashmoney
Thu Aug 10, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3972
Views: 1058619

Re: U.S. stocks in freefall

This might be the correction that many people are waiting for. Let us see if they have the courage to jump in. It just so happens that my managed account at Fidelity was liquidated Monday and the funds( 460k ) are finally available finally available today in my self directed account so I can start ...
by cashmoney
Tue Aug 08, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is my current LTC policy relatively good?
Replies: 19
Views: 1205

Re: Is my current LTC policy relatively good?

Hello all, For those of you with experience comparing Long Term Care policies, I was wondering if you could assess how mine stacks up with what I might be able to obtain elsewhere or if in fact I have near as good a deal as I can given the particulars below: Current Age: 57 Gender: Male Residence: ...
by cashmoney
Mon Aug 07, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Acquire payments and become beneficiary of term life policy?
Replies: 4
Views: 472

Re: Acquire payments and become beneficiary of term life policy?

Hi, My relative recently called me and presented me with an opportunity. She has a term life policy, and really doesn't want to finance it further. She stated that if I wanted to make the premium payments, she would designate me the beneficiary. The current beneficiary is my mother (she could not a...
by cashmoney
Mon Aug 07, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2203

Re: Advise on house selling

So I’m going to be selling my house in the near future and it’s the first time I’ve ever done so and I was wondering if anyone has any general advice for me? Should I use a realtor – their commission seems like a lot and I think most houses sell themselves or am I being naïve here? Anyone had any e...
by cashmoney
Sun Aug 06, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Buying a new TV. What do I need to know now?
Replies: 29
Views: 2463

Re: Buying a new TV. What do I need to know now?

After completing a recent but lengthy home renovation, we are now in the market for a 60” flat screen to enjoy in our new space. I haven’t bought a TV in years. (Back then there was a big debate of plasma vs LED but now I couldn’t even tell you what we ended up with.) So before we begin shopping, w...
by cashmoney
Sun Aug 06, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mom made a mistake? Annuities
Replies: 51
Views: 5099

Re: Mom made a mistake? Annuities

Had lunch with mom and she shared how unhappy she is with her adviser. I won't post any names unless I should but here are the details: Invested: $200K in 2013 Investment: IRA Indexed Annuity Multi-choice Xtra Guaranteed 6% return annually. I think this was her payout annually. Current value: $130K...
by cashmoney
Sat Aug 05, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Accidentally signed up for Part B Medicare, tried to correct via Medicare and Social Security.Still got bill
Replies: 8
Views: 1003

Re: Accidentally signed up for Part B Medicare, tried to correct via Medicare and Social Security.Still got bill

The situation: My spouse has health insurance ( creditable) at work. We accidentally signed up for Part B online while we only were trying to verify and accept Part A coverage ( since Part A is allowed while still working full- tine at a company with an acceptable minimum number of employees and cr...
by cashmoney
Fri Aug 04, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Any TLH consideration when choosing Total Stock Market ETF for taxable account
Replies: 4
Views: 446

Re: Any TLH consideration when choosing Total Stock Market ETF for taxable account

At TDAmeritrade, VTI is the one I use because a) it's a Vanguard fund, and b) it is no-commission at TDAmeritrade if one signs up for the no-commission ETF deal. I suppose at Fidelity, I would just use the their index mutual funds and not ETFs. I hold the same funds in my taxable and non-taxable ac...
by cashmoney
Fri Aug 04, 2017 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Any TLH consideration when choosing Total Stock Market ETF for taxable account
Replies: 4
Views: 446

Any TLH consideration when choosing Total Stock Market ETF for taxable account

I have non taxable accounts that were recently transferred internally from managed to self directed accounts at Ameritrade (450k)and Fidelity (450k) .I plan on using Ishares ITOT Total Stock Market,Ishares AGG Total Bond and Ishares IXUS Total International in both accounts.I fund my SEP IRA and IRA...
by cashmoney
Thu Aug 03, 2017 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Which 3 funds at Fidelity ?
Replies: 4
Views: 694

Re: Which 3 funds at Fidelity ?

..which ETFs/mutual funds would you buy if you where starting a 3 fund portfolio from scratch at fidelity taking in to consideration what I already own at ameritrade. Doesn't account for your Ameritrade funds, but you might find Other than Vanguard, Boglehead-style useful. Thank you that Wiki page ...
by cashmoney
Thu Aug 03, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Which 3 funds at Fidelity ?
Replies: 4
Views: 694

Which 3 funds at Fidelity ?

O.K so after doing much reading on this outstanding website I am now confident enough to start the transition from managed accounts to a 3 fund portfolio but I wanted to get some bogleheaded thoughts on my investment choices.My first questions pertain to which ETFs/mutual funds would you buy if you ...
by cashmoney
Sun Jul 30, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 2019

Re: Estimate for painting home interior

Hello, So we're moving into a new home and DW wanted to have the house painted before moving in. Had a couple of painters come over to give us estimates. One guy never got back to us - even after we tried to contact him several times. I guess he is not interested in the job. If he is not interested...
by cashmoney
Sun Jul 30, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D: Silverscript Choice vs Plus Plan
Replies: 3
Views: 597

Re: Medicare Part D: Silverscript Choice vs Plus Plan

Can anyone clearly explain how one chooses between a Part D Choice vs Plus Plan. It looks like the main difference is the amount of coverage in the "coverage gap" or "donut hole." There are some drug tier differences in the gap but this is difficult to assess when you cannot be certain what medicat...
by cashmoney
Sat Jul 29, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1651

Re: Medicare Plan F and Part D: Use a Broker or Not?

See one of your state's SHIP counselors. They will help you navigate you Medicare Advantage/Supplement plan options free of charge with no hidden agenda. This. My SHIP counselor was very knowledgeable, being a retired doctor, and provided me with a list of the 27 insurance companies that sold Medig...
by cashmoney
Sat Jul 29, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1651

Re: Medicare Plan F and Part D: Use a Broker or Not?

See one of your state's SHIP counselors. They will help you navigate you Medicare Advantage/Supplement plan options free of charge with no hidden agenda. This. My SHIP counselor was very knowledgeable, being a retired doctor, and provided me with a list of the 27 insurance companies that sold Medig...
by cashmoney
Sat Jul 29, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1651

Re: Medicare Plan F and Part D: Use a Broker or Not?

Thanks for all the information. I'm just starting the prosed. Is there a article that has all the parts. Plus my wife has insurance that might cover some of the parts. I know what I need now but not what I need in the future. www.medicare.gov also most states offer consumer guides for people shoppi...