Search found 1197 matches

by montanagirl
Mon Nov 18, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plans
Replies: 17
Views: 1224

Re: Medicare Advantage Plans

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Deleted
by montanagirl
Mon Nov 18, 2019 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage Plans
Replies: 17
Views: 1224

Re: Medicare Advantage Plans

...............offering $0 premiums with more benefits than my medigap policy. I get the feeling that even Medicare.gov is pushing them. I doubt very much that these are money losers for the co's. I can only suspect reduced payouts. :confused You are absolutely correct, the barrage of come-ons is e...
by montanagirl
Sat Nov 16, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: More retirees have a mortgage
Replies: 114
Views: 7069

Re: More retirees have a mortgage

I am a retiree with a mortgage by choice because interest rates were so low when I bought it made more sense to me to have the mortgage. In the decision to pay cash vs take out a mortgage, the 2.875% interest rate won out because I expect my 50/50 portfolio to do better than 2.875%. Right. Mortgage...
by montanagirl
Sat Nov 16, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 146
Views: 11061

Re: Best thing you have ever bought?

My Schwinn dx900 exercise bike that I bought 30+ years ago and still use. It's made all the difference in my health as it lets me exercise through the winters here and also when it's too hot for me. I think it's the only reason I've managed to keep my blood pressure and glucose down and HDLs up all ...
by montanagirl
Tue Nov 12, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Is anyone else getting bogus subscriptions on Prime?
Replies: 12
Views: 821

Re: Is anyone else getting bogus subscriptions on Prime?

Yeah I just go through disputing on both ends, Amazon and credit card. But is this some new business model for the publishing industry? I wouldn't mind a free WaPo subscription tho.. This sounds like either a system error or a mistaken "click" on your part. It is patently illegal to charge folks fo...
by montanagirl
Tue Nov 12, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Is anyone else getting bogus subscriptions on Prime?
Replies: 12
Views: 821

Re: Is anyone else getting bogus subscriptions on Prime?

Yeah I just go through disputing on both ends, Amazon and credit card. But is this some new business model for the publishing industry?

I wouldn't mind a free WaPo subscription tho..
by montanagirl
Tue Nov 12, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Is anyone else getting bogus subscriptions on Prime?
Replies: 12
Views: 821

Is anyone else getting bogus subscriptions on Prime?

About a week ago 5 different magazines I would never buy showed up in my digital orders at Amazon. I am a big buyer of ebooks and the subscriptions don't show up in my digital orders, yet some apparently are being charged to me and the clutter up my Kindle home pages. LifeStyle and Clarkesworld........
by montanagirl
Sat Nov 09, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Basic Medicare Part B 2020 Premium $144.30 ??
Replies: 39
Views: 3027

Re: Basic Medicare Part B 2020 Premium $144.30 ??

[Deleted -- mod oldcomputerguy] Of note: " Dr. Fred Hyde: There are three things, Ralph, that are very important to the individual. First is that in Medicare Advantage, there is an out-of-pocket, an annual out-of-pocket limitation on expenses, but there is no such limit in traditional Medicare and ...
by montanagirl
Sun Oct 27, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: "Full Health Insurance" Coverage via Medicare
Replies: 22
Views: 1829

Re: "Full Health Insurance" Coverage via Medicare

I don't think OP's parent can get Plan F for 2020 as it's being discontinued for new enrollees.
by montanagirl
Fri Oct 25, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5195

Re: Who does your tax returns?

I did ours for years using TaxCut/H&R Block because the software was always cheaper. Then in "retirement" I went to work for Block and used their internal system for 5 years for my freebie return. Gonna miss that! Now I'm going to be back to using consumer software again. Last year threw me for a lo...
by montanagirl
Mon Oct 14, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is Humana really that bad (Medicare Advantage)
Replies: 0
Views: 326

Is Humana really that bad (Medicare Advantage)

I'm thinking about switching to MA next year, and Humana offers one of only 2-3 plans in my state. But I have a friend who swears it is the worst company ever, because her sister works at CMS and says it is a slow payer and prone to disputing claims. Has this been anyone else's experience? Or is thi...
by montanagirl
Mon Oct 14, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Equifax class action settlement - options?
Replies: 4
Views: 535

Re: Equifax class action settlement - options?

OP, you must not have been watching the news in the past few months? After this settlement was made known, the FTC came out and said basically that no one would be getting anywhere near $125, and that you should take credit monitoring. OF course if you're already monitoring with two other companies...
by montanagirl
Thu Oct 10, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Is Alicia Munnell Wrong About Spousal Social Security Benefits
Replies: 19
Views: 1860

Re: Is Alicia Munnell Wrong About Spousal Social Security Benefits

I thought that SSA did change it s that you get spousal amount or your own, whichever is more, if you were born after 1954.

I got in right before the bell... :beer
by montanagirl
Tue Oct 08, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3366

Re: Returned first iPhone; are they all like this?

I spent an hour today in a doctor’s waiting room, and I entertained myself by reading several chapters of a novel on my iPhone. It worked fine in portrait mode. Not sure why yours did not. My iPhone is a 6, so two years older than the one you have. No I couldn't even get Kindle downloaded. We're yo...
by montanagirl
Tue Oct 08, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3366

Re: Returned first iPhone; are they all like this?

You could have put Chrome browser on your iPhone. You can also install Edge browser on iPhone. It doesn't sound like you gave it much of a chance. Plus, the iPhone 7 is nearing the end of life. Expecting an Android port tool to work on an iPhone was also probably a stretch. Did the tool say it woul...
by montanagirl
Tue Oct 08, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3366

Re: Returned first iPhone; are they all like this?

I went from iOS to android system and at first I was frustrated. Now I am OK with both systems. I am thinking that you did not give it enough time nor investigate how to make it right for you. I see that you use your phone for reading more than as a phone. To that I would say why not get a tablet. ...
by montanagirl
Tue Oct 08, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3366

Re: Returned first iPhone; are they all like this?

Sounds like you are familiar with Android ecosystem and should stick with it. Why did you buy the iPhone? I was frustrated that I couldn't get it to work consistently with a Square chip reader, when my partner's iphone worked with no problem. I mean it crapped out just as I needed to use it despite...
by montanagirl
Tue Oct 08, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Returned first iPhone; are they all like this?
Replies: 27
Views: 3366

Returned first iPhone; are they all like this?

I bought a new iPhone 7 from by wireless provider and and several issues right away: 1 Android transfer app did not work, sent me around in circles 2. No word wrap in safari so it was hard to read my favorite blogs. Deal killer! 3 Kindle app would not download because the phone said I already had it...
by montanagirl
Sun Oct 06, 2019 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bookkeeping side hustle for wife: thoughts?
Replies: 21
Views: 2400

Re: Bookkeeping side hustle for wife: thoughts?

Why not class(es) in Accounting? I believe having knowledge and experience with accounting software is a must. I took a Bookkeeping class at a local adult ed center and it included basic accounting before we moved to Quickbooks. It was review for me because I had taken Acctg classes in college. Als...
by montanagirl
Wed Oct 02, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Calculating expected SS benefits if already collecting spousal benefits
Replies: 16
Views: 1087

Re: Calculating expected SS benefits if already collecting spousal benefits

I used anypia for years for the same situation. You have to enter your yearly numbers from myssa.gov but once you do you can run lots of scenarios.

I calculated my SS down to a gnat's eyebrow before filing for my own at 69.5.
by montanagirl
Tue Oct 01, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Luxury condo
Replies: 56
Views: 4920

Re: Luxury condo

I don't know how people can handle HOA fees. There is no limit to how high they can go, and owners are liable for others' default.

Which is too bad because a condo would make sense for me otherwise.
by montanagirl
Sun Sep 29, 2019 2:18 pm
Forum: Personal Investments
Topic: Mother laid off without retirement savings
Replies: 24
Views: 5696

Re: Mother laid off without retirement savings

Maybe brush up on her skills - like taking a couple of computer classes at local colleges ... Microsoft Word, etc. If she's been front office then she probably knows this stuff. It's a good time to apply but it's all online now, please don't drop in etc. Our local job service was helpful with all t...
by montanagirl
Sat Sep 28, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Parents to add me to the deed of their rental property. Is this a good idea?
Replies: 23
Views: 1482

Re: Parents to add me to the deed of their rental property. Is this a good idea?

Jack FFR1846 wrote:
Sat Sep 28, 2019 9:00 am
If you are added to the deed, the former tenant's lawyer has no reason to go after you.
That makes no sense. The house would probably be liquidated in the end to pay the judgment. The defendants can't just convey it away ahead of time esp to a family member!
by montanagirl
Fri Sep 27, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: New iPhone or iPhone 7 for ~$130
Replies: 16
Views: 1373

Re: New iPhone or iPhone 7 for ~$130

What is it with iPhone screens, anyway? I've had two Motorolas that I've dropped multiple times and the screens are fine.
by montanagirl
Fri Sep 20, 2019 11:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard PAS -- one size fits all?
Replies: 19
Views: 2724

Re: Vanguard PAS -- one size fits all?

Think I'll pass on PAS.
by montanagirl
Thu Sep 19, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Unlocked, Refurbished iPhones?
Replies: 16
Views: 1102

Re: Unlocked, Refurbished iPhones?

We have not bought refunished but instead a few models behind for many years. Never had any issues and it is much cheaper. We are also with Consumer Cellular. Presently we have a 7, two 6s, and one 4s. Will be upgrading one of the phones to an 8 and removing the 4s. I like them too but they don't s...
by montanagirl
Thu Sep 19, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 111
Views: 11589

Re: Anyonw driving Uber for fun and pocket money in retirement?

My elderly mother found an Angel in her neighborhood who volunteered to take her to Dr's appointments when she could not drive. He was an absolute help, volunteered in her community on an as-needed basis. There are other ways to be useful without getting paid! I'd still worry about liability issues...
by montanagirl
Wed Sep 18, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8192

Re: Alternatives to Subaru Outback?

At least, they all pretty much look the same now, except for the grilles. :|

The Outback still has some of its original character anyway.
by montanagirl
Sun Sep 08, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: cost basis of house
Replies: 14
Views: 1301

Re: cost basis of house

No. Let's say you bought your house for 100k. As of the date of your death the FMV of your home is $200k. Your sibling would inherit the house with a cost basis of $200k. Inheritors get a basis that is "stepped-up" to the market value as of the date of your death. I think there might also be an "al...
by montanagirl
Sun Sep 08, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: cost basis of house
Replies: 14
Views: 1301

Re: cost basis of house

No. Let's say you bought your house for 100k. As of the date of your death the FMV of your home is $200k. Your sibling would inherit the house with a cost basis of $200k. Inheritors get a basis that is "stepped-up" to the market value as of the date of your death. I think there might also be an "al...
by montanagirl
Sun Sep 08, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: cost basis of house
Replies: 14
Views: 1301

Re: cost basis of house

If he inherits through your will, he gets stepped up basis - fair market value at your death.
by montanagirl
Sat Sep 07, 2019 12:28 pm
Forum: Personal Investments
Topic: Middle Age people with low savings need to take on more investment risk than is normal?
Replies: 52
Views: 5949

Re: Middle Age people with low savings need to take on more investment risk than is normal?

I would think the single most important thing is a lifestyle change to becoming a hyper-saver. The math is pretty simple, you have to put money in the fund to get it to end up somewhere. Exact investment strategy doesn't matter if she doesn't make a profound change to finding out how to enjoy life ...
by montanagirl
Sat Sep 07, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: "The Callan Periodic Table of Investment Returns"
Replies: 33
Views: 3692

Re: "The Callan Periodic Table of Investment Returns"

What I get out of this is, if bonds or cash is on top it's not that it's doing so well but that everything else is doing so bad. :|
by montanagirl
Wed Sep 04, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Very bad day
Replies: 39
Views: 6323

Re: Very bad day

Lately I've been setting a limit order to buy vxf if it hits a certain low price, which it never seems to do before it goes back up.

Maybe if I raise it a dollar... :twisted:
by montanagirl
Tue Sep 03, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1610

Re: new laptop - Windows S Mode??

My advice, if you (and/or you family using the device) don't have a decent understanding of computer security - take advantage of the additional default protection of Windows S (admittedly some of this is to protect yourself from yourself!) Or if you don't want to use Windows, use an iPad/iPad Pro,...
by montanagirl
Mon Sep 02, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1610

Re: new laptop - Windows S Mode??

OK. I've been doing a complete reset to take it back to BestBuy but I think I'll fire it up again and try opting out. If it becomes a problem then I WILL take it back...

Thanks everyone.
by montanagirl
Mon Sep 02, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1610

Re: new laptop - Windows S Mode??

When I bought a laptop earlier this year, I avoided any S mode win10 laptops for this reason. I prefer to have the full version of Win10 rather than a crippleware version. I think your best bet is to purchase and install the regular Win10 OS. You didn't need a product key, right? I don't know how t...
by montanagirl
Mon Sep 02, 2019 1:44 pm
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1610

Re: new laptop - Windows S Mode??

I switched out and have had no issues. My new laptop would have been useless to me if this was not available. What exactly is the issue people are having? Deactivating Windows 10, having to reinstall the OS. I guess S Mode is a version of Windows 10 and you have to go to a prior version or somethin...
by montanagirl
Mon Sep 02, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1610

Re: new laptop - Windows S Mode??

9liner wrote:
Mon Sep 02, 2019 12:17 pm
Why not disable S Mode? Seems a simple solution to me.
As I said in the post, apparently switching out is causing irreparable problems that neither MS support or the recent update can fix.
by montanagirl
Mon Sep 02, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: new laptop - Windows S Mode??
Replies: 21
Views: 1610

new laptop - Windows S Mode??

I just got a new HP laptop and was going to install the NordVPN recommended on a different thread, but Windows balks at that any any install not from their store. So NordVPN is out. So is Firefox, Opera...supposedly you can opt out of S Mode but it's forever and I found some people on reddit who say...
by montanagirl
Sun Sep 01, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Several Questions re Microsoft Office 365
Replies: 6
Views: 1033

Re: Several Questions re Microsoft Office 365

I used to be a skeptic about the subscription model but like 365 and the value it offers, given the inclusion of OneDrive storage and ability for 6 users to install on unlimited number of devices. I decided that cloud storage was a must and that is ALWAYS on a subscription model. I consider all the...
by montanagirl
Tue Aug 27, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Equivalent in Assets
Replies: 6
Views: 461

Re: Social Security Equivalent in Assets

There's just the health insurance issue, of course, to protect your assets among other considerations.
by montanagirl
Mon Aug 26, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9862

Re: The cost to talk to a doctor

As has been said, if you just have a question ask it through the patient portal. I've been using mine for years and they always get back with 24 hours. If the doc is on vacation the med asst will tell me.
by montanagirl
Tue Aug 13, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 45
Views: 3635

Re: Hearing Aids

Has anyone tried Eargo as a hearing aid?

My husband bought Costco aids, touted them to me and then stopped wearing them after a month.

I would like something in-ear because behind-the-ear gets hung up with my hair and glasses
by montanagirl
Sun Aug 11, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18638

Re: Are you a "solo ager?"

I am likely to be a solo ager, widowed, unlikely to marry again, and no kids. A year before DH got sick we did all of our estate planning, including trusts, powers of attorney and whatnot, which meant that I had the infrastructure in place after he died to just change the configuration rather than ...
by montanagirl
Tue Aug 06, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Are you getting rid of your gas appliances?
Replies: 43
Views: 3312

Re: Are you getting rid of your gas appliances?

I actually regret removing the electric baseboard heaters and installing gas forced air 17 years ago. They just needed to be vacuumed out. At least they were quiet. I hate the furnace going off and on all the time, though we did get A/C out of it.

But I was so sure the future was gas... :annoyed
by montanagirl
Mon Aug 05, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 26
Views: 2554

Re: Looking for new laptop

Just bought an HP pavilion with i7, 12gb ram, 256gb ssd 15.6 display, at Office City online for $679.

Very sleek and fast machine.
by montanagirl
Thu Aug 01, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for non-working in laws
Replies: 15
Views: 1634

Re: Health insurance for non-working in laws

Thank you both for responding.. I went through the above website mentioned by Trader Joe, but was confused about the House hold income. Should we consider our income (mine and wife) when we are determining my in-laws household income, since we all will be living under the same roof?. You need to lo...
by montanagirl
Wed Jul 24, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1221

Re: Medigap Broker or Not

At a $750 level, the current "F" plan becomes much more attractive. IF you have a spouse turning 65 next year or later, you should review the possible discount available to a couple who selects the same plan. This would of course eliminate the F plan as it will not be an option starting Jan 1st 202...