Search found 829 matches

by Mitchell777
Fri Dec 08, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Question about IRMAA and first couple years of retirement
Replies: 17
Views: 1635

Re: Question about IRMAA and first couple years of retirement

What does the letter from your former employer need to state? Is it just a few lines stating your name and that you retired on a specific date. Or does it require address, SS number etc? Thanks
by Mitchell777
Fri Dec 01, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10272

Re: Price of haircut?

Was paying $10 + $2 tip (low COL city). Barber retired several month ago. Now $15 + $3 in the suburbs
by Mitchell777
Tue Nov 28, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5126

Re: How Do You Stay Current With Popular Music?

Musically I'm stuck in the 60's, 70's, 80's. It does not bother me. My falling behind in some areas of technology does bother me, but not music. When I see concerts on TV with groups that peaked in the 70's and very young people are mouthing all the words it warms my heart.
by Mitchell777
Thu Nov 23, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4796

Re: Best Basic DESKTOP?

This thread is an eye opener as I also will need to buy another desktop soon. So, I believe I read above that the new desktops do not have CD or DVD drives (is that correct??), to backup data you save either to an external drive connected to your desktop (I assume if you want the data totally privat...
by Mitchell777
Thu Nov 16, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8795

Re: Has used furniture dropped in value dramatically?

I've been putting off getting rid of furniture as I declutter so this info is helpful. Mother's stuff is cheap as we had little money. Grandmothers is much nicer but 50+ years old. Tougher is things like china cabinets. Not the cabinets so much but all the stuff inside them. Most probably not worth ...
by Mitchell777
Thu Nov 16, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund in a ROTH
Replies: 28
Views: 2340

Re: Bond fund in a ROTH

I've done it temporarily. When equities are way up, and I do not want to sell equities from my non retirement account due to tax consequences (for that year), I've moved some ROTH money to bonds for a time period. I've done it this year due to wanting to keep my income down for tax and IRMAA purposes.
by Mitchell777
Wed Nov 15, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 6874

Re: Sobering article for my 25 year old self

I was always rather thrifty but I suppose how much to delay some gratification is up to every individual. Looking back, the biggest "mistake" I made was not putting a higher percent of my savings into equities while in my 20's and 30's. Anything above 50% got me worried. Growing up lower middle clas...
by Mitchell777
Mon Nov 13, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6977

Re: Swedish Death Cleaning

Bogleheads....Not sure how this got named 'Swedish Death Cleaning', but I think it fits. I cannot begin to emphasize what a favor you will do for your children by decluttering and getting rid of extraneous crap that they do not care about, and will probably never use. I was particularly close to my...
by Mitchell777
Mon Nov 13, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6977

Re: Swedish Death Cleaning [De-clutter your home]

I'm going through the process and have been for months and will for months more. I've got three generations of stuff. It's emotionally draining. It's also a bit of a shock when you learn how hard it is to get rid of some things, or that they have no value or no one wants them even for free. Example ...
by Mitchell777
Sun Nov 12, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 4030

Re: Growth of Medicare Advantage enrollment

I also continue to hear from friends and acquaintances that, in this area, a significant majority of Primary Care Physicians (Internal medicine, Family Practice) will not accept new patients on Medicare. They will, however, usually continue to see existing patients who go on Medicare. One friend wa...
by Mitchell777
Tue Nov 07, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4466

Re: I Cut the Cord yesterday!

The more I read this the more lost I get. I guess it's like the confusion some people feel doing math. I'm surpried there are not independent companies that will piece these things together for you based on your needs and desires. Based on the prices from the new providers coming out (Youtube TV, S...
by Mitchell777
Tue Nov 07, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4466

Re: I Cut the Cord yesterday!

The more I read this the more lost I get. I guess it's like the confusion some people feel doing math. I'm surpried there are not independent companies that will piece these things together for you based on your needs and desires.
by Mitchell777
Mon Oct 30, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7239

Re: Innovis and ChexSystems freeze confirmation letters

Just wondering if people are receiving confirmation letters from ChexSystems. I did the on line freeze on 9/29. Called today and they said they sent the conf letter on Oct 7 to my correct address. Never received it as of Oct 24. Now I need to send them a letter with all my private info to get a new...
by Mitchell777
Fri Oct 27, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 257014

Re: Best watch for around $5,000?

It's been nine years. Shouldn't this be Best watch for around $6,000
by Mitchell777
Fri Oct 27, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 14934

Re: 2018 ACA rates now live....

Thankfully I was able to use COBRA. I don't understand the tiering on the ACA. When I key $48K for income I get a message that I'm eligible for an up to $1200/month subsidy. When I key $49K the message is no subsidy. The price goes from the $50 to $400 per month range at $48K to minimum $950 and up...
by Mitchell777
Fri Oct 27, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 14934

Re: 2018 ACA rates now live....

Thankfully I was able to use COBRA. I don't understand the tiering on the ACA. When I key $48K for income I get a message that I'm eligible for an up to $1200/month subsidy. When I key $49K the message is no subsidy. The price goes from the $50 to $400 per month range at $48K to minimum $950 and up ...
by Mitchell777
Wed Oct 25, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Medicare Supplement Plan F or Plan F High Deductible
Replies: 14
Views: 1261

Re: Medicare Supplement Plan F or Plan F High Deductible

So, putting aside the $183 for a moment, if you pay up to $2200 out of pocket, then you would pay up to $11K in total medical billing ($11K * 20% = $2200). So, you pay $2200 and the Plan pays $8800 (worst case scenario). Is that correct?
by Mitchell777
Wed Oct 25, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Medicare Supplement Plan F or Plan F High Deductible
Replies: 14
Views: 1261

Re: Medicare Supplement Plan F or Plan F High Deductible

You also need to be aware of, that under Plan F high deductible, you could also be subject to other costs: Part A deductible (2017 = $1,316) for inpatient hospitalizations. Part A hospital inpatient/mental health inpatient coinsurance per day of each benefit period > 60 days. Part A skilled nursing...
by Mitchell777
Wed Oct 25, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Initial enrollment for Medicare
Replies: 7
Views: 439

Initial enrollment for Medicare

From my research I assumed I could sign up for Medicare beginning three months before my 65th birthday month. There is an article in my newspaper that says that is correct for Part A. For part B and D, it says "Enrollment begins after leaving employer-based or private insurance or private prescripti...
by Mitchell777
Tue Oct 24, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7239

Re: Innovis and ChexSystems freeze confirmation letters

Just wondering if people are receiving confirmation letters from ChexSystems. I did the on line freeze on 9/29. Called today and they said they sent the conf letter on Oct 7 to my correct address. Never received it as of Oct 24. Now I need to send them a letter with all my private info to get a new ...
by Mitchell777
Mon Oct 23, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4011

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

Deciding whether Plan F to Plan G is the better choice requires knowing the following: ) What the respective premium is for each plan; and ) What the Part B deductible is. I have received notification from AARP/UHC that my Plan G premium will increase 5.6% (to $212.75) in April 2018. (Coincidentall...
by Mitchell777
Sat Oct 21, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4011

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

Hmmm, so weird that my change to G needed underwriting. I did have some emergency room *events* while on plan f. I wonder if the insurer was just probing to see if something serious was going on? But it was nothing covered by the 10 or so questions they asked. Why might an insurer want medical unde...
by Mitchell777
Sat Oct 21, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6138

Re: Letter from CC company (Discover) re: current income

I received one on a MasterCard. They wanted to make sure my credit limit was correct. I'm fine with the limit I have. I ignored it.
by Mitchell777
Wed Oct 18, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 4011

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 Mitchell777
Wed Oct 18, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: "Advice-Only In Action: An Interview With Allan Roth"
Replies: 6
Views: 1054

Re: "Advice-Only In Action: An Interview With Allan Roth"

Although I have not needed professional help, I can see a time when I may. I've always liked the idea of fee for service. Reading the comment below, I'm wondering how you know up front how much it will cost. How do you know up front how many hours the review will take, or do you just assume the 12 t...
by Mitchell777
Thu Oct 12, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 5318

Re: Is there boglehead consensus on buying a car?

It often depends where you are in life. For many years I assumed I had more time left than I had money. Much later, more money than time left. It can really change ones spending habits.
by Mitchell777
Wed Oct 11, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 6797

Re: Asking for discounts

When a bit younger I dated a woman whose father was a doctor. They were well off and he did not feel he should ask for a senior discount, so he did not, nor did his wife. Unless he was not present, in which case his wife asked for every discount imaginable. Everyone kept her secret.
by Mitchell777
Tue Oct 10, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare High Earner Premium
Replies: 15
Views: 2408

Re: Medicare High Earner Premium

Thank you for the SSA-44 form. I will sign up for Medicare in late 2018 for the first time (retired in 2017). I believe that means my initial IRMAA fee will be based on 2016 tax information. Since I am not collecting SS, I assume I will not be pre-notified about the IRMAA fee. Couple questions pleas...
by Mitchell777
Sun Oct 08, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2378

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.
by Mitchell777
Sun Oct 08, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2378

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 Mitchell777
Sat Oct 07, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Medigap Policies--So Much Conflicting Information
Replies: 29
Views: 2378

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 Mitchell777
Tue Oct 03, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3790

Re: Equifax to offer free “credit freeze” for life

I caught some of today's congressional testimony. The former Equifax CEO, in my opinion, seemed to be having a little difficulty explaining the difference between the new lock and freeze offering.
by Mitchell777
Sun Oct 01, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze fees - taxable service in PA
Replies: 5
Views: 634

Re: Credit freeze fees - taxable service in PA

I was also charged $10.70 by Experian. My guess is they added $0.10 for a local tax that should not have applied to me. Transunion did not charge me anything for the freeze. I had expected to pay for both Transunion and Experian. No charge from Equifax of course
by Mitchell777
Sat Sep 30, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 2144

Re: How Safe are Stable Value Funds

This was a long time ago but one of my 401K stable value funds was frozen, just partially, because one of the insurers went bankrupt. We eventually got all our money back but it took a couple years and we were told the outcome was uncertain. I still have a good bit of my 401K funds in stable value ...
by Mitchell777
Sat Sep 30, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: How Safe are Stable Value Funds
Replies: 24
Views: 2144

Re: How Safe are Stable Value Funds

This was a long time ago but one of my 401K stable value funds was frozen, just partially, because one of the insurers went bankrupt. We eventually got all our money back but it took a couple years and we were told the outcome was uncertain. I still have a good bit of my 401K funds in stable value b...
by Mitchell777
Tue Sep 26, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10766

Re: Retirees, what is your marginal tax rate?

Retired recently. Not yet taking SS or any retirement plan distributions. Just looked at this yesterday and not sure how I can get into a 15% marginal bracket unless I'd move a good bit of fixed income (FI) into tax free bonds. I've always put as much fixed income as possible into IRA/401K, and sto...
by Mitchell777
Mon Sep 25, 2017 8:18 am
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: 8916

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

I posted yesterday but do not think it went through. I would suggest getting two or three opinions. Ask doctors who they would have do their similar surgery if their partners could not do it. I've had interesting, and informative, responses. Just recently, before I could ask, the doctor told me he h...
by Mitchell777
Sun Sep 24, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10766

Re: Retirees, what is your marginal tax rate?

Sidney wrote:
Sat Sep 23, 2017 4:47 pm
Mitchell777 wrote:
Sat Sep 23, 2017 4:33 pm
Trying to figure out how I may get to the 15% maginal bracket.
From which direction?
Since I maxed out on 401K/IRA for over 30 years and have most of my investments outside of those plans, the question was to get to 15% from a higher marginal rate.
by Mitchell777
Sat Sep 23, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10766

Re: Retirees, what is your marginal tax rate?

Do the retired people in the 15% marginal bracket have the majority of their investments (% of value) in tax deferred plans such as 401K/IRA? I maxed out in my 401K and IRA's for over 30 years but have over 60% of my investments outside of my retirement plans. Maybe part of that because I had equiti...
by Mitchell777
Sat Sep 23, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Retirees, what is your marginal tax rate?
Replies: 102
Views: 10766

Re: Retirees, what is your marginal tax rate?

Retired recently. Not yet taking SS or any retirement plan distributions. Just looked at this yesterday and not sure how I can get into a 15% marginal bracket unless I'd move a good bit of fixed income (FI) into tax free bonds. I've always put as much fixed income as possible into IRA/401K, and stoc...
by Mitchell777
Thu Sep 21, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit freeze or fraud alert?
Replies: 18
Views: 1342

Re: Credit freeze or fraud alert?

I went with the freeze. I have considered it for a few years and the latest situation put me over the edge. I'd rather not find out after a fraudulent data pull. Also, this is the third or fourth such situation I've been through, one with my employer. Another two or three with my mother. Recently in...
by Mitchell777
Thu Sep 14, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 12056

Re: Anyone else freeze their credit score?

I don't like putting in my social without encryption and how do you feel when filling out paperwork for every new doctor / dentist office? :annoyed Perhaps it is required for government healthcare programs but I never give SS number at doctor/dentist office. Last week I registered at a surgery cent...
by Mitchell777
Sat Sep 09, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36674

Re: Can't freeze credit at Experian?

Last time I tried to check my credit reports, two of the three would not allow me to do it on-line and requested I send info through the mail. Had the same problem with my mother's credit reports
by Mitchell777
Fri Sep 01, 2017 9:08 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 18359

Re: [Are the Bogleheads] getting less interesting?

Many years ago I subscribed to Money mag, and later Worth Mag. I enjoyed them both but after a couple years it seems like I was reading the same thing over and over. Reason was I learned what I could as a beginner. Also as I leaned more toward indexing, reading analyses regarding the hot funds was o...
by Mitchell777
Wed Aug 30, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: What does Medicare REALLY Cost Wealthy Seniors
Replies: 24
Views: 2387

Re: What does Medicare REALLY Cost Wealthy Seniors

Hope I'm wrong but I'm guessing the tiers are not indexed for inflation. If they are not, one can be bumped up a tier or two depending on future inflation.
by Mitchell777
Tue Aug 29, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2493

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

One of the best bits of advise I rec'd from my elder law attorney was to find a facility close to my home. That sounds like it may not be the case in your situation. Reason he suggested that was it was easier for me to be there 3 or 4 times a week. In my experience, even the best facilities can have...
by Mitchell777
Tue Aug 29, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2493

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

I would suggest a consultation with an elder law attorney. Perhaps doubtful any money can be saved at this point but consultations are often at no charge so you can decide if legal services are needed mid to long term. Even if you pay for a consultation it's worth it. Also attorneys that do only eld...
by Mitchell777
Fri Aug 25, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 43
Views: 6480

Re: I've fallen and I can't get up -- recommendations?

i've convinced my dad he needs one of those "i've fallen and i can't get up" devices. he wants one that works off of GPS -- and found one at walmart -- but is balking at the $40 a month monitoring fee (he can afford it but that's another issue). anybody got a recommendation? hopefully one that is a...
by Mitchell777
Mon Aug 21, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Asphalt Repave Cost
Replies: 3
Views: 570

Asphalt Repave Cost

I've researched this but since I have little knowledge other than that,I thought I'd go to me GOTO place (Bogleheads). I have rec'd an estimate on total repave on an existing driveway (800 Sq Ft). Excavate and grade area in prep for paving, removing excess fill etc Fine grade area Install #2A modifi...
by Mitchell777
Fri Aug 18, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 127
Views: 12955

Re: How I use I-ORP, and who shouldn't

Recently retired so giving this issue more thought, although I have planned in the past. Highly likely I will pass with assets at least in high six figures with no heirs. Has anyone confronted the question as to do you consider ROTH conversions (i.e. paying tax early) if your estate goes to tax exem...