Search found 487 matches

by orlandoman
Fri Nov 29, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Yet Another Retiring to Florida Thread - Pros/Cons
Replies: 50
Views: 4428

Re: Yet Another Retiring to Florida Thread - Pros/Cons

No state income tax
Lots of medicare healthcare options
by orlandoman
Mon Oct 21, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Trip insurance - purchase through orbitz.com or outside?
Replies: 16
Views: 1039

Re: Trip insurance - purchase through orbitz.com or outside?

+1
TripInsuranceStore.com
We happen to select policies from Travel Insured, but your needs may differ.
However, we can definitely say that TI pays their claims,
by orlandoman
Tue Sep 03, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 3049

Re: Internet security and vpn

The free Opera Web Browser includes a VPN https://www.opera.com/. Opera has been in use since 1994 https://en.wikipedia.org/wiki/Opera_(web_browser) It's not a full blown vpn service: https://thebestvpn.com/reviews/opera-vpn/ It is free. But if you are really paranoid, it might not offer the protec...
by orlandoman
Sun Sep 01, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 3049

Re: Internet security and vpn

The free Opera Web Browser includes a VPN https://www.opera.com/.

Opera has been in use since 1994 https://en.wikipedia.org/wiki/Opera_(web_browser)
by orlandoman
Fri Aug 09, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 29301

Re: Social Security -- Take it at 62, 67 or 70

Your spouse now has $144,000 less assets for their use. Should you not consider this in your decision to postpone SS ... I have not seen anyone mention/address this possibility? :confused Virtually every thread about delaying benefits mentions/addresses this! And every tool addresses this! My point...
by orlandoman
Fri Aug 09, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 29301

Re: Social Security -- Take it at 62, 67 or 70

2. Based on likelihood of health limitations as we age, most of us will be much more active and able to use added income in our 60 s than in our 70 s. For example, one is more likely to travel in his sixties. To limit our income during a period of increased vitality might be a mistake. Why would an...
by orlandoman
Fri Aug 09, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 29301

Re: Social Security -- Take it at 62, 67 or 70

Assume you are married. For simplicity you would get $2,000 a month at age 62 ($24,000yr). You decide to postpone SS till age 70 and use your assets until then. Six years later at age 78 you die. You have reduced your assets by $144,000 ($24,000 x 6). Your spouse now has $144,000 less assets for the...
by orlandoman
Tue Jul 30, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Card > Credit Freeze
Replies: 7
Views: 1015

Re: Capital One Card > Credit Freeze

You should freeze at a minimum: Equifax, Experian, TransUnion. I also did Innovis and ChexSystems I did all 5, above, also. Note: If you you do not have & want to signup for a credit monitoring service of any kind, you normally need to NOT have your credit frozen when you sign up, they use the cred...
by orlandoman
Tue Jul 30, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card as primary rental car insurance?
Replies: 8
Views: 1110

Re: Credit card as primary rental car insurance?

"The Auto Rental CDW benefit provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles." Not sure what card you have ... but, make sure to understand what's covered. For the quote above, notice that things like hail, floods, vandalism & probably ...
by orlandoman
Tue Jul 30, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Card > Credit Freeze
Replies: 7
Views: 1015

Re: Capital One Card > Credit Freeze

You should freeze at a minimum: Equifax, Experian, TransUnion. I also did Innovis and ChexSystems I did all 5, above, also. Note: If you you do not have & want to signup for a credit monitoring service of any kind, you normally need to NOT have your credit frozen when you sign up, they use the cred...
by orlandoman
Sun Jul 28, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: VOIP - what do you use?
Replies: 55
Views: 4340

Re: VOIP - what do you use?

Winston19 wrote:
Sun Jul 28, 2019 10:28 am
Also a long time ooma user works well and without the premium service is cheap.
+1, but I opted for the premium service
by orlandoman
Sun Jul 14, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: Nuanced Benefit of delaying claiming of SSA Benefits
Replies: 21
Views: 2324

Re: Nuanced Benefit of delaying claiming of SSA Benefits

However, since the SSA benefits are “guaranteed,” The SS Trustee's 2019 Report says benefits are to be reduced by approximately 25% after 2035 ... did you factor that in to your calculations? You may want to look at the the SS Trustee's 2019 Report https://www.ssa.gov/oact/TRSUM/index.html ... Soci...
by orlandoman
Mon Jun 10, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3572

Re: Costco Visa credit limit

As you now probably know Citi Costco card allows you to request a no credit report credit increase when logged on.

But, they only allow one of these every 6 months, maybe that's the issue?
by orlandoman
Fri May 10, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Subaru CPO - Friends and family extended warranty price
Replies: 24
Views: 2967

Re: Subaru CPO - Friends and family extended warranty price

I'm a Subaru Ambassador ... that's an excellent price for a Subaru Gold Plus warranty, I suggest buying it.
by orlandoman
Sun Apr 21, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 13070

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Be careful about NZ car rentals ... the majors have a clause in their agreements that say that if you have an accident & get a ticket, the insurance on the vehicle is void & you are responsible for 100% of the damage. I'm not sure that CC coverage would apply if this happens(?). Below is the respons...
by orlandoman
Mon Apr 15, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 6803

Re: What defines "income" on a retiree's credit card application?

Let's say you have '250,000' dollars in a 401k or tax deferred retirement account. This year you take '75,000' out of that 401k ... it's reported to the IRS as taxable income. The cc company never asked about assets, which in my opinion it should ... but you now have $75,000 in taxable income ... ma...
by orlandoman
Sat Apr 13, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Geico price too low??
Replies: 13
Views: 1355

Re: Geico price too low??

Geico auto rates normally include a 1 time new customers discount & then they go up the 2nd year ... when asked how much they go up the 2nd year they say they don't know. Ask if this is true for your quote.
by orlandoman
Thu Apr 11, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 34
Views: 3246

Re: Home Owners Insurance - 40 percent increase

https://www.valuepenguin.com/homesite-insurance-review

Also, when looking at individual claim reviews online, keep in mind that people are always more willing to complain (justified or not) than praise.
by orlandoman
Thu Apr 11, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Can you buy a new car with a cashiers check without unfreezing a credit freeze?
Replies: 68
Views: 4786

Re: Can you buy a new car with a cashiers check without unfreezing a credit freeze?

Meet someone from the dealership at your bank & have the cashier's check issued while they are with you, eliminates the possibility of a fraudulent cashier's check.
by orlandoman
Thu Apr 11, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Hospice and Medicare Advantage Plans - a little known Catch22
Replies: 40
Views: 3452

Re: Hospice and Medicare Advantage Plans - a little known Catch22

Here's the actual Medicare document on this subject https://www.medicare.gov/pubs/pdf/02154-medicare-hospice-benefits.pdf From page 10: Hospice care if you’re in a Medicare Advantage Plan or other Medicare health plan Once you start getting hospice care, Original Medicare will cover everything you n...
by orlandoman
Tue Mar 19, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Medicare advice needed for snowbirds / travelers
Replies: 7
Views: 653

Re: Medicare advice needed for snowbirds / travelers

This is why we chose traditional Medicare with Plan G Medigap policies: so that we'd have unconstrained access to covered medical care when we travel/spend months away from home. If it comes a time when we no longer travel or spend significant time away from home I'll consider Medicare Advantage, b...
by orlandoman
Wed Mar 13, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Angies List v. Homeadvisor v. ???
Replies: 23
Views: 2208

Re: Angies List v. Homeadvisor v. ???

With Angie's list, you read reviews & contact the service provider directly. I have used Angie's list for many projects & have always been happy with service provided, from plumbing to roof repair to heat pump replacement. Homeadvisor is a lead generating website, not a service provider. They genera...
by orlandoman
Tue Mar 12, 2019 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Medicare choices
Replies: 82
Views: 6040

Re: Medicare choices

My wife is on a MA plan... and she gets a free gym membership. I suggest the gym membership is not free and is included in the cost of the MA plan. Or, it might be that people who go to the gym are healthier & offering no cost gym memberships are preventitive medicine, which lowers future costs. In...
by orlandoman
Mon Mar 11, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare choices
Replies: 82
Views: 6040

Re: Medicare choices

When using brokers keep in mind that they receive a commission on policies sold. Do you think a broker makes more on a $100-$200 monthly premium supplement and possibly a second Plan D drug policy or a $0 premium Medicare Advantage Plan?
by orlandoman
Fri Mar 08, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare choices
Replies: 82
Views: 6040

Re: Medicare choices

Doctors have three Medicare choices (whether they accept you as a new patient or not): - do not accept Medicare - ‘participate’ in Medicare - ‘accept’ Medicare assignments Medicare Supplements: - there are standardized supplements, each with a letter name, i.e. ‘F’, ‘N’, etc. - not all supplements m...
by orlandoman
Tue Feb 12, 2019 5:56 pm
Forum: Personal Investments
Topic: Help name a new analytics firm
Replies: 34
Views: 2543

Re: Help name a new analytics firm

I'd suggest you consider availability of internet name availability as you consider company names.
by orlandoman
Fri Jan 25, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Trip insurance: claims experience?
Replies: 10
Views: 813

Re: Trip insurance: claims experience?

Bought a policy with Travel Insured through https://tripinsurancestore.com/. This was a cancel for any reason policy. Cancelled the trip with travel agent, filed a claim with Travel Insured online, submitted the required documentation, got a call 3-4 days later saying my claim was approved & would r...
by orlandoman
Sun Jan 13, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Dropping collision insurance on auto policy for older car?
Replies: 25
Views: 2289

Re: Dropping collision insurance on auto policy for older car?

FYI, collision coverage on your personal vehicle will make it available in most cases should you rent a car & have an accident.
by orlandoman
Fri Dec 14, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: New York camera stores, online purchases
Replies: 16
Views: 1172

Re: New York camera stores, online purchases

Bought a camera from B & H last month, noticed the price had dropped by $50 a week later. Emailed them & they immediately refunded $50 to my credit card ... believe the price adjustment period is 30 days.
by orlandoman
Thu Dec 13, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 10234

Re: New job, sales at Subaru

"Subaru vehicles mostly sell themselves, and you will find out that the typical owners are different compared to other brands. I've often heard of salespeople complain because Subaru buyers are often rather savvy and may chose to be cash buyers and are knowledgable on pricing, interest rates, money ...
by orlandoman
Fri Nov 16, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Finding an Attorney with Demonstrated, Credentialed Expertise In Elderlaw
Replies: 15
Views: 1120

Re: Finding an Attorney with Demonstrated, Credentialed Expertise In Elderlaw

Remember credentialing means education and/or passing test, not competency.
by orlandoman
Tue Nov 13, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to value retiree healthcare benefit
Replies: 20
Views: 1276

Re: How to value retiree healthcare benefit

My wife retired before age 65 from a large company. The company has a good BC/BS PPO group policy. Due to her years of employment she was eligible for retiree healthcare until age 65 (medicare). The plan has much better benefits than Affordable Care Act. The retiree health care is the same policy as...
by orlandoman
Sat Oct 20, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 36
Views: 3496

Re: Credit card claim for rental car collision?

Depending on the CC you use, make sure to read the details, many that say 'Collision Damage' coverage that is different than 'any' damage, like American Express Premium & some others cover. In general think of 'Any' damage as collision plus comprehensive coverage ... hail damage, glass/windshield, e...
by orlandoman
Sat Sep 29, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019
Replies: 17
Views: 1959

Re: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019

Is it possible that the networks are shrinking for MAPs? I know that is an issue for people in my area, a couple of major healthcare players don't accept advantage plans. If your MA plan is a PPO or if you have a supplement, the doctors you can use have the same requirement ... that they participat...
by orlandoman
Sat Sep 29, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019
Replies: 17
Views: 1959

Re: Medicare Advantage premiums continue to decline while plan choices and benefits increase in 2019

My MA PPO plan, has slight increases, like $90 for Urgent/ER care instead of $80. Decreases like $150 deductable for tier 3/4/5 drugs instead of $265 deductable (Tier 1/2 still $0 by mail order). Added $40 per quarter OTC purchases. Premium for MA PPO still $0 per month. Number of other changes, in ...
by orlandoman
Tue Sep 25, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: monitor when credit freeze thaws
Replies: 8
Views: 1004

Re: monitor when credit freeze thaws

Equifax says it takes up to 48hrs to unfreeze credit report.
by orlandoman
Tue Sep 25, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: New Zealand - Bucket list trip
Replies: 34
Views: 4019

Re: New Zealand - Bucket list trip

Wife & I are going to Australia & NZ in November. This is a self-planned fly & drive vacation. 4 days in Sydney, then flying to Queenstown, driving Queenstown to Christchurch, flying Christchurch to Wellington then driving Wellington to Auckland to fly back. 4 nights in Sydney and 15 nights in NZ. H...
by orlandoman
Fri Sep 21, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Using Medicare Consultant that is Paid by the Insurers
Replies: 25
Views: 1445

Re: Thoughts on Using Medicare Consultant that is Paid by the Insurers

He may be paid the same commission, but the additional question is how many insurance carriers he's licensed with. At medicare.gov, looking for plans in your zip code you can see how many plan providers there are and how many he is licensed with will give you an idea on how broad the range of option...
by orlandoman
Sat Sep 15, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Online Secure Storage - FidSafe vs other options
Replies: 5
Views: 814

Re: Online Secure Storage - FidSafe vs other options

Been using FidSafe for some time. When taking overseas trips, upload copies of passports, visa'a, etc. Easy to use.
by orlandoman
Wed Sep 12, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10986

Re: Argument for taking social security before 70. Comments?

So, many variables ... let's say you are married & your SS annual benefit would be $25,000 at age 62. You decide to collect at age 70 (I'm just going to use 25K yr benefit for simplicity): - age 62-63 would have collected $25,000 - age 63-64 would have collected $25,000 - age 64-65 would have collec...
by orlandoman
Fri Aug 17, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Continue flood insurance after mortgage paid off?
Replies: 15
Views: 1258

Re: Continue flood insurance after mortgage paid off?

Check to see what your premium would be with a higher deductable. Here's information from about 2-3 years ago:
$5,000 deductable - 20% discount
$10,000 deductable - 40% discount
by orlandoman
Mon Aug 13, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: brother laser printer--OEM or 3rd party cartridges
Replies: 13
Views: 938

Re: brother laser printer--OEM or 3rd party cartridges

I've been using this place for over 10 years & have been completely satisfied, save so much https://www.supermediastore.com/
by orlandoman
Fri Aug 10, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: New State Farm Coverages
Replies: 46
Views: 16499

Re: New State Farm Coverages

Looks like SF is reselling a 3rd party warranty. Ask them who the warranty coverage is through. Then, read the reviews on the warranty company. I remember reading a review on a company, a few years ago, that went something like, "Your a/c system has rust ... you didn't maintain it properly as requir...
by orlandoman
Tue Aug 07, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 9095

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

I have & use the United MileagePlus VISA credit card. Here are a couple of advantages of United: 1. If you upgrade to an Economy Plus (Coach) type of seating when flying, United is the only airline that offers it on an annual subscription basis, in addition to individual flights. I have an annual wo...
by orlandoman
Sun Aug 05, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2965

Re: Medical expenses while on Medicare

My wife and I are 69 and 73 years old and use a Medicare Advantage Plan. We pay $0 for monthly premiums. I have a Medicare Advantage Plan. How do you pay -0- premiums? It's all about location & MA plan type, HMO or PPO. I live in Central Florida & pay $0.00 monthly premium for a United Healthcare P...
by orlandoman
Fri Aug 03, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 97
Views: 10326

Re: New Brake Pads

Get a price range here https://repairpal.com/
by orlandoman
Thu Jul 26, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Traveling to Cuba - currency exchange
Replies: 27
Views: 1869

Re: Traveling to Cuba - currency exchange

Visited Havana on a NCL cruise in May. There is a large exchange office right in the cruise terminal. There is a 10% penalty for U.S. dollars exchanged plus a 3% service fee ... so, the total cost to exchange from U.S. to CUC's is 13%, everyplace charges the same. You can exchange back to U.S. dolla...
by orlandoman
Sat Jul 21, 2018 8:52 am
Forum: Investing - Theory, News & General
Topic: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??
Replies: 29
Views: 2493

Re: TIAA - Full POA *not* enough for all tasks any more - need "Guardianship" ??

A lot depends on State law, you need to check it. Recently, had to use POA's in Virginia, for an ailing VA resident and in the Commonwealth of Virginia, it is illegal not to accept a power of attorney unless the person accepting it has reason to believe it is falsified. Took the POA to their Wells F...
by orlandoman
Sun Jul 08, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 196
Views: 22642

Re: What I spent in 6 months on medicare

"All real estate is local"

"All medicare plan comparsons are local" ... trying compare a supplement/medicare advantage plan from one area to another or one person's medical expenses to another ... just begets a lengthy tread of comments.
by orlandoman
Thu Jun 14, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Vacation insurance when you have sick elderly family
Replies: 11
Views: 1269

Re: Vacation insurance when you have sick elderly family

www.TripInsuranceStore.com +1 - these people are SO helpful, call them with any questions, I use & recommend them - trip cancellation is for before the trip starts - all or almost all policies have death of an immediate family member as a reason to cancel before the trip starts - all or almost all p...