Search found 33 matches

by bankle
Sat Jan 25, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance--Primary vs. Secondary Insurance
Replies: 3
Views: 300

Re: Medical Insurance--Primary vs. Secondary Insurance

Glad your son is doing ok, and I hope he has a good recovery! You should read the Coordination of Benefits (COB) sections of both your and your son's policies, at least for your own edification. They would probably be available online. In my experience (dealing with a snafu regarding my own insuranc...
by bankle
Sat Jan 18, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 15190

Re: Why retire?

Many people are happily willing and able to work well into their "older" years. Some are on this board, some on other boards, some aren't on any board. IMHO the focus (foci?) of this board is reasonable living, reasonable saving, realistic view of the responsibility of each person to prepare for whe...
by bankle
Sun Nov 10, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: 401k fund manager investing for company
Replies: 2
Views: 320

Re: 401k fund manager investing for company

Short answer - presumably allowed as long as full disclosure was made to the proper regulatory authorities. Long answer: I don't know if by "401k manager" you mean the person within the company who is in charge of selecting the funds within the plan, or the actual fund manager who selects the stocks...
by bankle
Fri Oct 25, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

https://flyingnursesintl.net The above is one of several companies that do this. Used once. Worked great. Way cheaper than air ambulance. ...Commercial flight with medical attendant is not an option as MIL needs to be able to have enough upper body strength to get herself in a plane seat... I know ...
by bankle
Fri Oct 25, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

gasman wrote:
Fri Oct 25, 2019 10:25 am
https://flyingnursesintl.net

The above is one of several companies that do this. Used once. Worked great. Way cheaper than air ambulance.
Thank you for the link. Looks interesting.

May I ask the age/condition of the patient, and the length of the flight?
by bankle
Fri Oct 25, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

You will be sharing this thread with them won't you? An actual printout of the thread, not just your summary. I don't know MIL's condition and I hate to belabor my point, but to be blunt IMO the stress from an overland trip like that might be enough to kill some sick elderly people. Would MIL be on...
by bankle
Fri Oct 25, 2019 12:50 am
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

Is the patient able to ask for help if needed, e.g., if the attendant is asleep? There's only going to be one nurse/medic for... what... 2 days straight? What size vehicle has room for 2 beds, plus the attendant plus a family member? RM Averaging 55 mph they could make the 1300 miles in one day non...
by bankle
Thu Oct 24, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

Hello all, Just a quick update. The quotes I've received are about 10k for ground, and 20k for private plane. Commercial flight with medical attendant is not an option as MIL needs to be able to have enough upper body strength to get herself in a plane seat - not possible now (maybe in the future wi...
by bankle
Tue Oct 22, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

galawdawg wrote:
Tue Oct 22, 2019 7:34 am
At that distance across the Southwest US, I would only consider air transport. Even without any problems such as a mechanical breakdown, both the care your MIL would require during that time and her comfort would suggest to me that a "road trip" would not be best.
Definitely a concern, thanks.
by bankle
Tue Oct 22, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

Seems like a 2-day van trip from Detroit to Dallas would also entail much more risk than a transfer by air. (minor or major accident, enroute medical emergency, mechanical breakdown, road construction, weather, etc). Just curious about what the cost of the van might have been, since the true cost o...
by bankle
Tue Oct 22, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

Thanks, good point. We're planning to NOT commit to any expenditures until we talk to the lawyer! Excellent idea. I do think the receiving facility could give you a better idea. If there is a facility with a large out of state population they might have the experience. It is annoying dealing with a...
by bankle
Mon Oct 21, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

From Medicare.gov https://www.medicare.gov/coverage/ambulance-services: Ambulance services Medicare Part B (Medical Insurance) covers ground ambulance transportation when you need to be transported to a hospital, critical access hospital, or skilled nursing facility for medically necessary services...
by bankle
Mon Oct 21, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Re: Transporting elderly parent state-to-state

Most importantly, the cost: This should be covered via Medicare B as it's an SNF to SNF transport. Make sure all the paperwork is filed properly including doctors orders. You should be able to speak with the "receiving" facility to get a recommendation on long haul medical transport services. That ...
by bankle
Mon Oct 21, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Transporting elderly parent state-to-state
Replies: 47
Views: 3574

Transporting elderly parent state-to-state

Hi, Has anyone moved an elderly parent from state to state? DH and I are looking for any recommendations/advice/experience. We are in the process of logistics for relocating his elderly mother from Texas (small town) to Southern California. Nursing home to nursing home. We're setting up a meeting wi...
by bankle
Mon Oct 14, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6539

Re: Frustrated with dentist fees

It depends on the contract. If the contract says a participating dentist can only get what the insurance is paying, then that is the end of the payment; otherwise, you owe the amount. I did not understand why dentists do not follow same rules as other medical doctors . Are there any dentists who wi...
by bankle
Wed Oct 09, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Married with Separate bank accounts
Replies: 44
Views: 3960

Re: Married with Separate bank accounts

DH and I have always had separate accounts. Works for us. Married 26 years this month. No kids. Two reasons I think: 1. We were both in our mid 30's, self-sufficient working people when we married. So we just stuck with it. We have always split expenses - "you pay for this, I pay for that.". Not 50/...
by bankle
Tue Oct 08, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing 401k money penalty free prior to 59 1/2
Replies: 18
Views: 2425

Re: Withdrawing 401k money penalty free prior to 59 1/2

This link may also be of help, listing various types of early distributions that are (and are not) possible for 401ks.

https://www.irs.gov/retirement-plans/pl ... tributions
by bankle
Tue Sep 10, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to talk my elderly parents into seeing an elder lawyer.
Replies: 17
Views: 2201

Re: Trying to talk my elderly parents into seeing an elder lawyer.

So my unsophisticated parents 79 mother and 87 father. They are very modest living and don’t have much invested mostly live on SS and both have pensions. ..... So could anyone tell me the benefits and reasons why an elder lawyer would be needed and what services they provide so I can let my parents...
by bankle
Tue Sep 10, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5315

Re: Help me out - What am I doing wrong - Job Hunt related

So my suggestions to the OP would be 1) only interview for those positions you truly want to get, 2) research those positions like crazy, and 3) during interviews, be as direct and focused in your answers to questions as you can. Good luck. +1. Someone who has done their homework - thoroughly resea...
by bankle
Mon Sep 02, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5536

Re: Cash & Checkbook Register Reconciliation

Like some others here, I keep a "register" in Excel. I can plan out the whole year, as I have some specific savings goals, and a couple of large one-off-but-expected expenses. I feel much more in control this way, given my current situation (and that of a sibling, who tracks nothing, but whom I expe...
by bankle
Wed Aug 28, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for elderly parent's care
Replies: 29
Views: 1629

Re: Paying for elderly parent's care

My empathy as you navigate this situation. As mentioned in another response, talking with the folks at Mom's current facility, and lots of googling are usually the order of the day. And reaching out to friends/coworkers (especially anyone in the same state as Mom), can sometimes provide leads. A wel...
by bankle
Mon Aug 05, 2019 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Child with cancer
Replies: 10
Views: 2352

Re: Child with cancer

What a blow! I wish you all success and strength as you and your family go through this challenge. Please check with your HR dept. at work, about FMLA leave (and with your state's dept. of labor) to see what kind of paid/unpaid leave you may be entitled to. If you are part of a religious group, they...
by bankle
Fri Jul 05, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2613

Re: No more print Mad magazine

DH and I are in our early 60's and still enjoy the occasional newstand copy. Admittedly we miss the old standbys like Mort Drucker, etc.

We're kinda bummed, guess all things must pass. Portzebie!
by bankle
Mon Jul 01, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 8009

Re: Healthcare Nightmare after wife's surgery

A few weeks after the surgery we looked into the claims and we found two claims from a third doctor for $6,000 and $2,000. I just received the $800 bill from mail. Nothing from the $2,000 bill yet and maybe it will never show up (one of the times we called the Health Provider they reached out to th...
by bankle
Wed Jun 26, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting/Expense tracking
Replies: 39
Views: 2899

Re: Budgeting/Expense tracking

I think most of our categories are basically the same, we may use different names, include/exclude some per our lifetstyle. One useful exercise I did (I think another BH once mentioned it), is to break down my "grocery" receipts, just for six months, into food, toiletries, cleaning stuff, treats/sna...
by bankle
Mon Jun 24, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Triage in ER - charged $790
Replies: 60
Views: 5138

Re: Triage in ER - charged $790

Do you have insurance? When you say "triage", I presume they asked you some questions (and were visually assessing you) in addition to the bp, etc. In order to triage you. The ER route is always an expensive proposition, even with insurance. I would guess that "just" triage starts the dominoes fall...
by bankle
Fri May 24, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Two Mortgages Heading into Retirement
Replies: 13
Views: 1684

Re: Two Mortgages Heading into Retirement

Is carrying this much debt into retirement simply an unwise financial decision, or is this leading towards financial disaster? It seems like there's no margin for error; If anything goes south, they'd be in a very bad situation. Am I unnecessarily worrying about this? My brother and I are very fort...
by bankle
Sat Mar 30, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Q to ppl who use spreadsheet for personal finance
Replies: 64
Views: 6047

Re: Q to ppl who use spreadsheet for personal finance

3 Easy with Excel 1-3 Yes with Excel, 4-6, No. 3. Yes YES - All of you said "yes" to "3. Can you create net worth progression chart (or table)?" I have a following up question to this one. It won't be hard to calculate the net worth as of today using current balances. But can you calculate past net...
by bankle
Fri Mar 29, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Q to ppl who use spreadsheet for personal finance
Replies: 64
Views: 6047

Re: Q to ppl who use spreadsheet for personal finance

1 Yes, usually do this quarterly 2 Easily - I use database functions, vlookups and pivot-tables: every expense has its category. 3 Easy with Excel 4 I suppose I could, but our Schwab/Vanguard/etc. accounts provide this online - I keep it simple (for me). 5 No. I have long (decades) habit of quickly ...
by bankle
Sat Dec 29, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Long term disability - any real world examples of collecting benefits?
Replies: 21
Views: 1492

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

Acute leukemia diagnosed at age 55. Heavy duty chemos, and bone marrow transplant, with plenty of complications, side- and after-effects - grateful to now be cancer-free, but still unable to return to work. I was a white collar worker also. My employer (over 100 employees) offered the insurance whic...
by bankle
Mon Aug 20, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5526

Re: Your major and investing/finance?

Photography/Design (aka "commercial art"). Frugality and hardwork of parents (children of immigrants, raised during the depression and WWII) plus my own early days of struggling to establish a toehold in a big city, formed my interest in saving and investing. Much ramen was eaten, but the rent was p...
by bankle
Sat Aug 18, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 6113

Re: What kind of medical events that may ruin your retirement?

From personal experience: Leukemia at age 53 while actively working. (AML with a certain unfavorable genetic mutation). The initial 6week hospitalization, including ER, "standard" first round chemo, resulting kidney failure/dialysis, transfusions, etc. came to a "list" price of almost $1mm. Fortunat...