Search found 940 matches

by montanagirl
Wed Aug 15, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Take your canes out in Emerging Markets
Replies: 23
Views: 2702

Re: Take your canes out in Emerging Markets

munemaker wrote:
Wed Aug 15, 2018 8:58 am
I don't know what this means.

Buy the dip.
by montanagirl
Thu Aug 09, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 1952

Re: Anyone familiar with attic fans?

My husband installed attic fans in both our houses. Both draw from a vent on the cool side of the house and exhaust out the sunny side. They come on at abt 93° and keep the living area from building up unbearable heat in the evening. The effect was more dramatic in the first house, my little starter...
by montanagirl
Tue Aug 07, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Is It Really That Difficult to Apply for Social Security Online?
Replies: 13
Views: 960

Re: Is It Really That Difficult to Apply for Social Security Online?

I applied online for restricted spousal benefit 4 years ago, and this year for my old age benefit and got my decision letter this week. Easy peasy. Just be clear in the additional remarks field about what you are doing. It's not popular to say so, but I think fedgov sites in general are very functio...
by montanagirl
Sat Aug 04, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare benefit letter and delay credits
Replies: 6
Views: 430

Re: Medicare benefit letter and delay credits

Actually i did say 42 months delay credits, not 6, in my application. And I said that the benefit should start in August. Nothing about retroactive.

I'd think they'd say if they were sending me the past 6 months benefit.
by montanagirl
Sat Aug 04, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare benefit letter and delay credits
Replies: 6
Views: 430

Re: Medicare benefit letter and delay credits

It looks like the adjustment will be made in January 2019 (c)When is the increase because of delayed retirement credits effective? - (1)Credits earned after entitlement and before the year of attainment of age 70. If you are entitled to benefits, we examine our records after the end of each calenda...
by montanagirl
Sat Aug 04, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare benefit letter and delay credits
Replies: 6
Views: 430

Medicare benefit letter and delay credits

I decided to file 6 mo short of 70 for my old age benefit and found the decision letter online today. The amount was only .20 from the estimate I got from AnyPIA. The Medicare amount is right, no increase since I was on it before when I was 65 using my own SSN. So that's all good. The letter doesn't...
by montanagirl
Thu Aug 02, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4435

Re: Which diet soda pop do you enjoy?

Diet Rite peach. Goes surprisingly well with food. Walmart came out with some generic peach pop but it's terrible.

Also Diet 7.

Lately I've been buying Clear American flavored sparking water, which is just diet pop, at Albertsons. Esp like cherry.
by montanagirl
Mon Jul 30, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9337

Re: Tips for staying active / injury-free into older age

Hate to say it but I would advise against serious running, unless you are light and compactly built...even then..

I am 69 and those friends my age who run all developed hip, knee, foot, and even back problems.

My Ortho doc recommended cycling, and only cycling. Road, mountain, spin bike whatever.
by montanagirl
Sun Jul 29, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?
Replies: 61
Views: 7684

Re: Soc Sec benefit estimates: Anyone get a nasty surprise when filing?

I'm not so much concerned about how much the estimate is off. In fact, someone told me that the estimate when I applied should be pretty close. What I am concerned about is how long after I submit my application I should expect to hear from them. I applied online when I got a note from SS Admin rem...
by montanagirl
Sat Jul 28, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5282

Re: Why dont people sit outside more? And how to deal with bugs?

I miss the old Shell no pest strips. They seemed to work great.

But I guess they were bad somehow.
by montanagirl
Mon Jul 16, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9721

Re: Why own a bed?

What's with all the "boxsprings"? All I got with my sealy posturepedic was a BOX dressed up to match the mattress. No springs in that thing and little different from the hard floor.

I'd like to get a mattress support with actual springs in it. :annoyed
by montanagirl
Mon Jul 09, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13547

Re: What are your property taxes?

Missoula county MT:. About 1% of taxable value.
by montanagirl
Fri Jul 06, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6475

Re: Older Women Lifting Weights

I lift very light weights. I'm 69 and seem to be on a permanent plateau. Whenever I've tried to ramp up the pounds, I injure myself usu with tennis elbow. But I think it's kept me from becoming a flabby stoop shouldered old lady. So far. A bit of ankle weight helps with therapy for my knee (quads) t...
by montanagirl
Wed Jul 04, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4369

Re: Will I ever be able to itemize?

I believe one can always itemize even if the standard deduction is larger. There could be cases where one needs to use the same deduction for federal and state, so itemizing less than standard could have higher federal taxes and lower state taxes. Yes. In my state you can itemize even when takin th...
by montanagirl
Tue Jul 03, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Fed survey: 40% of adults cannot cover a $400 emergency expense
Replies: 48
Views: 5116

Re: Fed survey: 40% of adults cannot cover a $400 emergency expense

https://www.theatlantic.com/magazine/archive/2016/05/my-secret-shame/476415/ OP, If you are interested, the above is a good example of how someone ended up that way. It is never about income. KlangFool There is so much stupid in that article, written by self proclaimed imbecile. If that's typical I...
by montanagirl
Mon Jul 02, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9750

Re: What’s your plan for a market downturn?

Stay the course. I'm 55/45 stocks bonds now and I'm 69.

I have enough in MMkt to get me through tight spots and my SS will begin in September.
by montanagirl
Sun Jul 01, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 52
Views: 7301

Re: Emerging Markets in Bear Territory

I almost jumped in this year...almost.. :beer
by montanagirl
Wed Jun 27, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: switch Medigap insurers before surgery?
Replies: 3
Views: 382

Re: switch Medigap insurers before surgery?

Did you have to pass underwriting to get the new policy? (Oops I see you did.) I'd review the questions you answered you very carefully. There were written questions and then the ones the underwriter asked on the phone. The written ones are incorporated in the contract. I guess I shouldn't worry...
by montanagirl
Wed Jun 27, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: switch Medigap insurers before surgery?
Replies: 3
Views: 382

switch Medigap insurers before surgery?

After my current Plan G insurer gave me a wildly inflated premium increase letter, I shopped around and signed up for Plan N with a Mutual of Omaha company for $20 less than my current coverage. I gave notice to drop coverage July 1 at the current and they said I have until Aug 16 to change my mind....
by montanagirl
Sun Jun 24, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3188

Re: Compliments for Vanguard?

No complaints. It was a vanguard rep who suggested a Roth to me when I realized my prior year ira contribution would not do me any good as a deduction. He suggested recharacterization, which I'd never heard of.
by montanagirl
Mon Jun 18, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: What companies followed Vanguard to no-load???
Replies: 13
Views: 1097

Re: What companies followed Vanguard to no-load???

I remember no load funds in the early 90s that you could open with only $250. I think 20th Century was one?
by montanagirl
Mon Jun 18, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1830

Re: One handed Android phone?

No help but same here. My Moto G 5-inch is the perfect size but I'd like to get a newer one with presumably a longer battery life. But the phones available to me at Consumer Cellular are all bigger or the smaller SE. I like the Samsung phones like the S8 but they are rather long to put in my pocket ...
by montanagirl
Sun Jun 17, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8768

Re: Which Supermarket are you?

Super Walmart is closest to us, then we also use Albertsons and Costco.
by montanagirl
Sun Jun 17, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 46
Views: 4781

Re: Has Anyone Tried Youtube TV?

I checked it out but it didn't seem at all like the real You Tube, which I love because it has so many odds and ends. The app seemed to have the same limited set of offerings as the other streaming channels.

I hope I will still be able to get regular You Tube on my TV.
by montanagirl
Thu Jun 14, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7475

Re: Boring Job

I had the same situation, only it was at the end of my career as I approached retirement age. I asked for advice here and most said to lie low. So I did and limped into 65. Needless to say, that was quite different. I would and did quit jobs from sheer restlessness but in retrospect it would have be...
by montanagirl
Thu Jun 14, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2799

Re: Trade-up my $89 Walmart bike

. As Im getting older I may modify the handlebars from the drop style to something a bit more comfortable. Modern road bikes are more comfortable than the old ten speeds. I think drop bars are more versatile than hybrid bars. I move my hands constantly beween top, bends and brake hoods due to arthr...
by montanagirl
Thu Jun 07, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3676

UPDATE My Medigap Plan G went from 115 to 251

After I'd applied at Mutual of Omaha, and even gotten a call from their underwriter Monday, I got TWO letters from Equitable saying my premium was going up only to $119! Yet I had called for verification and the agent said the new premium amount was "off by 4 dollars" and they'd send a new letter, w...
by montanagirl
Sun Jun 03, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Medigap trap: does this new strategy work?
Replies: 2
Views: 435

Re: Medigap trap: does this new strategy work?

I think you can switch to Medigap Plan F High Deductible with no issues or no qualifying. It is lesser coverage plan. Mine costs $48 a month but has a $2100 annual deductible. I have found it is cheaper including the deductible amounts than F or G over the long haul. Good Luck. I think F high deduc...
by montanagirl
Sun Jun 03, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Medigap trap: does this new strategy work?
Replies: 2
Views: 435

Medigap trap: does this new strategy work?

As I said in another thread, my medigap Plan G premium is going from 115 to 251. I thought, no problem, I'll switch and I have applied at Mutual of Omaha. But if I were to have one of the listed conditions, and I might, I would be stuck with that premium wouldn't I? Would other insurers take a chanc...
by montanagirl
Sat Jun 02, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Early termination of Cable + Internet
Replies: 10
Views: 1287

Re: Early termination of Cable + Internet

sunny_socal wrote:
Sat Jun 02, 2018 8:01 am
I'd pay the fee, then never get 'cable' again. Everything is available online these days and you'll save a ton of money.
Then what do you use for broadband? Cable has the biggest pipe around here.
by montanagirl
Fri Jun 01, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13917

Re: Best Advice You Never Took

I must be forgetting something, but I can't think of anything. I really could have used some guidance.

My grandmother did tell me to become a stenographer, but I turned up my nose at that. But it was solid advice.
by montanagirl
Fri Jun 01, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3676

Re: My Medigap Plan G went from 115 to 251

Your current $115 premium sounds ridiculously low. Possibly that was an introductory rate. Doesn't sound low to me. When my wife and I joined Medicare last year (at age 65), we comparison shopped for Plan G. In our state (Idaho) only issue-age rated policies are available. We selected Aetna at $115...
by montanagirl
Thu May 31, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3676

Re: My Medigap Plan G went from 115 to 251

Do you have documentation that your initial premium was for issue age policy for first and perhaps some subsequent yrs? Seems like you should be able to hold them to the initial type policy that you got. No, I forgot that there was no discussion of issue age when I switched to G. My mistake...but s...
by montanagirl
Wed May 30, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3676

Re: My Medigap Plan G went from 115 to 251

Well, they called back and corrected the mistake. The increase in "only" 119. The issue age term fell through the cracks when I switched from Plan F.

So, I'm shopping around
by montanagirl
Wed May 30, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3676

Re: My Medigap Plan G went from 115 to 251

Could you clarify if this is an Attained-Age, Issue-Age, or Community Rated plan? Attained-Age plans are susceptible to larger increases, but I have not seen a jump this large. It would surprise me if this was an Issue-Age, or Community Rated plan Funny you should ask. I called and the increase was...
by montanagirl
Wed May 30, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3676

Re: My Medigap Plan G went from 115 to 251

It appears that age cost increases in Medigap plans are the nature of the beasts. (We like our Advantage plans.) Well yeah they're tempting, and my husband used one for years. Then suddenly things got serious, he went into the hospital for 10 days, and when his MA plan was terminated, his agent put...
by montanagirl
Wed May 30, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE My Medigap Plan G went from 115 to 251
Replies: 33
Views: 3676

UPDATE My Medigap Plan G went from 115 to 251

I just got my renewal notice from Equitable of Salt Lake. I was expecting an increase of about 15 as in years past. I checked out the Medicare site and when you search on Plan G insurers Equitable doesn't even show up, like they're not offering it anymore so what's going on. It started out very reas...
by montanagirl
Tue May 29, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: DNA ancestry testing
Replies: 84
Views: 8364

Re: DNA ancestry testing

Did you also upload to gedmatch.com, and run their admixture tools? Free. You could test at 23andme.com - they'll give you ethnicity for $99, plus give you mitochondrial DNA and Y-DNA (if applicable) haplogroups. Wow, wish I'd known. I was very disappointed in my ancestry.com experience. They simpl...
by montanagirl
Sun May 27, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10213

Re: Peloton spin bike worth the high cost?

I bought a Schwinn dx900 spin bike over 30 years ago and still use it almost daily. I did try a mag trainer back when I was a more active rider, but didn't like the feel.

That said, I do wish the Schwinn had a more realistic narrow saddle. But I can't shell out for the peloton.
by montanagirl
Thu May 24, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Alzheimer's Disease, Long Term Care, and your Retirement Finances
Replies: 83
Views: 8231

Re: Alzheimer's Disease, Long Term Care, and your Retirement Finances

Here's my long term care plan: https://www.cnn.com/2018/05/10/health/david-goodall-australian-scientist-dies-intl/index.html I have no intention of enduring Alzheimer's in any form or fashion, and would be gone long before LTC would be required. I don't personally consider such a minimal existence ...
by montanagirl
Wed May 23, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 3132

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

I had an older Outback and was able to carry a full sized bike in the back without taking off the wheels. There are a lot of those around here for sale cheap.
by montanagirl
Mon May 21, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: child turning 18 - stop filing as dependent?
Replies: 23
Views: 2139

Re: child turning 18 - stop filing as dependent?

I don't understand. There are no more exemptions.
by montanagirl
Wed May 16, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: How to estimate Social Security early retirement ? 55 ys?
Replies: 20
Views: 2431

Re: How to estimate Social Security early retirement ? 55 ys?

You used to be able to do this at the SSA.gov site. Get the main estimate, then ask for additional estimates and enter 0 for succeeding years.

Has this changed? It doesn't work for me anymore because I get spousal.
by montanagirl
Mon May 14, 2018 9:29 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 12979

Re: The front page is ugly

We talking about bogleheads.org? Yeah don't change a thing. Works great on a mobile and ok on the desktop too.

I am so tired of slow, clunky, heavy web sites that reload every time you enter or click on something. Looking at you, Vanguard! And my bank, and Amazon, and every other "modern" site.
by montanagirl
Wed May 09, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4091

Re: What is your favorite reasonably priced Rum?

JBTX wrote:
Fri Mar 16, 2018 4:52 pm
Probably doesn’t meet the snob appeal test but DW and I both like Captain Morgan
Sailor Jerry's is similar and less expensive.
by montanagirl
Wed May 09, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Gas Fireplace - Shut off pilot light during warm months??
Replies: 32
Views: 29259

Re: Gas Fireplace - Shut off pilot light during warm months??

We turn ours off because it generates noticeable heat. I don't like running the a/c any more than we have to.
by montanagirl
Mon May 07, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 24068

Re: most compelling TV character ever

Nelson Muntz.

His gifs will live forever.
by montanagirl
Thu May 03, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1432

Re: Help me choose a second computer monitor

I had the DP port problem too but found out about an adapter that lets you plug a second display in using a different standard. It's called a J5create and I got it at Amazon for about $35. I connect the second display to a USB port in the front of my CPU box. So now I am able to use two low-end Dell...
by montanagirl
Wed May 02, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: knee replacement - materials? [edited]
Replies: 9
Views: 921

Re: knee replacement - materials?

I'm asking for product advice from other consumers of TKR. I read another thread here similar to mine from 2011. Not locked.

Sorry if it was TMI.
by montanagirl
Wed May 02, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: knee replacement - materials? [edited]
Replies: 9
Views: 921

knee replacement - materials? [edited]

I am 69 and wondering if I should get my right knee replaced sooner rather than later. I am wondering which material to use. When my husband got his knees done (2004) his choice was titanium or plastic. He says the titanium feels cold to him, though he probably would still choose that over plastic. ...