Search found 457 matches

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: 1009

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: 1093

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: 31
Views: 2593

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: 1832

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: 1832

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: 960

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: 3777

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: 1329

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: 492

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: 10383

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: 1140

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: 810

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: 34
Views: 7193

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: 2280

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: 2793

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: 9494

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: 1729

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: 2200

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: 162
Views: 14530

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: 1143

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...
by orlandoman
Tue Jun 05, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: WSJ:Social Security Expected to Dip Into Its Reserves This Year
Replies: 61
Views: 3563

Re: WSJ:Social Security Expected to Dip Into Its Reserves This Year

If benefits were reduced to 77% in 2036, us 'delayers' would be taking a hit. Who on this forum would change your withdrawal strategy because of this article? TravelforFun I have 2 versions of my excel income distribution timeline, which includes my SS being collected now & my wife's SS to be colle...
by orlandoman
Tue Jun 05, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: New Medicare card
Replies: 28
Views: 2171

Re: New Medicare card

Didn't get my new card yet, but, logged on to my online SS account and looked at my Benefit letter and my new number is on the Benefit letter, something those who didn't get their new card yet, either, to look at.
by orlandoman
Mon Jun 04, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 44
Views: 7989

Re: Flight cancelled. Entitle to any compensation?

No not entitled to any compensation ...

"Contrary to popular belief, for domestic itineraries airlines are not required to compensate passengers whose flights are delayed or canceled."
https://www.transportation.gov/airconsumer/fly-rights
by orlandoman
Wed May 02, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1722

Re: Flood Insurance

Be aware of the definition of 'flood'. Looking at the actual insurance policy definitions, in part says: Flood means "A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your propert...
by orlandoman
Sat Apr 21, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: When can you buy TurboTax for 2018 tax year?
Replies: 13
Views: 2346

Re: When can you buy TurboTax for 2018 tax year?

Here's the 2018 tax calculator that I'm using for advance planning https://www.mortgagecalculator.org/calc ... ulator.php
by orlandoman
Thu Apr 12, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Popular Direct savings 2% good?
Replies: 5
Views: 803

Re: Popular Direct savings 2% good?

Looks like a $25 fee if you close account within 180 days, https://www.populardirect.com/pdfs/513_ ... losure.pdf
by orlandoman
Fri Apr 06, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 46
Views: 8105

Re: GEICO rate increase: 49% annualized?!

A very few companies, like The Hartford (AARP vendor) offer annual policies, with one possible rate increase per year, not two. Something to consider.
by orlandoman
Thu Apr 05, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: Should I get travel insurance?
Replies: 8
Views: 1274

Re: Should I get travel insurance?

- if only looking to cover $1,200 & no other benefits, I wouldn't bother with trip ins - If you have a United Airline CC & use it to pay for ticket fees, some include trip cancellation & other travel benefits - Most trip ins policies include about $250 in airline ticket redeposit fees - For comprehe...
by orlandoman
Tue Apr 03, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 18713

Re: 2018 Forester vs CRV vs RAV4

Consumer Reports just issued new report on 2019 Subaru Forester: https://www.consumerreports.org/suvs/20 ... r-preview/
by orlandoman
Fri Mar 30, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: At what price difference would you no longer go with USAA for auto insurance?
Replies: 18
Views: 1934

Re: At what price difference would you no longer go with USAA for auto insurance?

Make sure to look at the fine print on quotes. I shopped not too long ago with GEICO & Progressive & one of their quotes said, "Includes 1st Year Discount", not sure, but I think it was Progressive. That means it will go up on renewal, so I called their customer support to see how much the discount ...
by orlandoman
Fri Mar 30, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 18713

Re: 2018 Forester vs CRV vs RAV4

Yes, vehicles like the Forester with a lot of glass will generate more heat & that is what you get to test at dealerships. I, like many others, have the windows tinted, which helps keep the car cool. I live in the Orlando area & the a/c does what it needs to for me, keeps it plenty cool Do you ofte...
by orlandoman
Thu Mar 29, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 18713

Re: 2018 Forester vs CRV vs RAV4

Yes, vehicles like the Forester with a lot of glass will generate more heat & that is what you get to test at dealerships. I, like many others, have the windows tinted, which helps keep the car cool. I live in the Orlando area & the a/c does what it needs to for me, keeps it plenty cool
by orlandoman
Thu Mar 15, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 18713

Re: 2018 Forester vs CRV vs RAV4

Consumer Reports names its top 10 cars for 2018 — and there are surprises
https://www.nbcnews.com/business/autos/ ... re-n850271

The Subaru Forester as the Top Compact SUV: CR called it "smartly practical."

Own a 2014 Forester & love it!
by orlandoman
Tue Feb 27, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best Available 2018 tax estimator
Replies: 44
Views: 9268

Re: Best Available 2018 tax estimator

It's hard to find 2018 inome tax calculators this early, especially ones that include SS income as an option. This is the only one I found https://www.mortgagecalculator.org/calc ... ulator.php
by orlandoman
Sat Feb 24, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Roof Shingle Recommendations
Replies: 26
Views: 2527

Re: Roof Shingle Recommendations

When I reroofed in 2001, I got shingles with a 40 year warranty, now I found out that many insurance companies in FL won't insure a house with roofs over 20 years old. So, is a better shingle with a 40 year warranty worth it? Something to consider & check in your area.
by orlandoman
Sun Feb 18, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Auto Shady Practice?
Replies: 31
Views: 3644

Re: GEICO Auto Shady Practice?

Never have been pushy with me. I do subscribe to their roadside service 4.00 -2018 Honda Civic 16.00-Class B/RV :happy RE: Roadside Service As Part of Car Insurance If you use roadside assistance as part of your car insurance, some auto insurance companies may consider that a 'claim' on your policy...
by orlandoman
Fri Feb 16, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 7106

Re: Signed up for American Express - "Premium" car rental insurance

I use & recommend the AMEX Premium car rental insurance. The BIG difference is that AMEX Premium covers 'ANY' damage to bring the car to the condition when rented & theft. All the other cc car rental coverage covers 'collision' damage & theft, read the coverage details. Here are just a few tyes of ...
by orlandoman
Fri Feb 16, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 7106

Re: Signed up for American Express - "Premium" car rental insurance

I use & recommend the AMEX Premium car rental insurance. The BIG difference is that AMEX Premium covers 'ANY' damage to bring the car to the condition when rented & theft. Many other cc car rental coverage covers 'collision' damage & theft, read the coverage details. Here are just a few tyes of dama...
by orlandoman
Thu Feb 01, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Immediate Annuity
Replies: 20
Views: 2404

Re: Immediate Annuity

You can get some outstanding information about annuities from this guy: http://www.stantheannuityman.com/ Based on a post in a thread here, I ordered all of his booklets last year and was very impressed. They were all quite informative and helped me with the decision to rule out QLAC's. I highly re...
by orlandoman
Fri Jan 12, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 46
Views: 3587

Re: Keeping sensitive documents in the cloud -- bad idea?

Take a look at www.fidsafe.com a free cloud storage site service from Fidelity Investments, for documents.
by orlandoman
Sat Dec 09, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Extended warranty on 2018 Outback
Replies: 47
Views: 6338

Re: Extended warranty on 2018 Outback

Whether a warranty makes sense is a personal decision. Only buy a Subaru Added Security Warranty, if you decide to buy a warranty, not a 3rd party one. Subaru's warranty is unique. Review the information here, https://www.subaru.com/owners/added-security.html and look at the Agreement Comparisons ch...
by orlandoman
Tue Nov 14, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 20
Views: 2604

Re: Mozilla Firefox Donations?

Mozilla also has a free email client called Thunderbird, which I use. I replaced Microsoft Oulook, which is a paid product. It is an ad free software program and I made a donation to Mozilla.
by orlandoman
Mon Nov 13, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: POAs may not be that powerful
Replies: 94
Views: 6493

Re: POAs may not be that powerful

FYI, "The Uniform Power of Attorney Act" was created in 2006 in an attempt to standardize POA details across the states, requirements, standards for acceptance, etc. "The UPOAA provides broad protection for good faith acceptance or refusal of an acknowledged power of attorney, consequences for unrea...
by orlandoman
Sun Nov 12, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 5328

Re: Growth of Medicare Advantage enrollment

What makes me suspicious about the advantage plans, is the tremendous amount of advertising the insurance companies spend on promoting it. It must be a better revenue generator. Samtex It is THE revenue generator for them as far as Medicare is concerned. Traditional Medicare cut them out of the pic...
by orlandoman
Sun Nov 12, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 5328

Re: Growth of Medicare Advantage enrollment

boater07 wrote:
Sun Nov 12, 2017 7:21 pm
With so many MA plans at 0 premium ,where does the revenue come from.
(deleted) - Note: Better, more complete explanation given by cashmoney below.
by orlandoman
Sun Nov 12, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 5328

Re: Growth of Medicare Advantage enrollment

Saying someone is in a MA is like saying some flew in a plane, whether you are in coach or first class makes a difference in the level of service. That was sort of a snarky remark. Are you suggesting if one is in a MA PPO they have access to any provider that accepts Medicare/ I am in have been in ...
by orlandoman
Sun Nov 12, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 5328

Re: Growth of Medicare Advantage enrollment

Have a good friend on this areas most popular MA plan. Needed a double lung transplant. The networks most qualified provider turned him down, and gave him 6 months to live. He "moved' to outside the area and enrolled in regular medicare and supplement. Was evaluated at Duke and Cleveland Clinic. Cl...
by orlandoman
Sun Nov 12, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 5328

Re: Growth of Medicare Advantage enrollment

Texas BBQq is different than Memphis BBQ which is different from North Carolina BBQ. You might like or not like the BBQ style in your part of the country, but, you might like/not like it in another part of the country. A MA plan in one area may/may not be like a MA plan in another part of the countr...
by orlandoman
Thu Nov 02, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Out of network care
Replies: 96
Views: 7348

Re: Out of network care

A challenge with HMO's is that say you are a member of an HMO in, say Texas & you go on vacation to Seattle & there are no network providers there: - you have a heart attack & go to the emergency room of a hospital on a Monday morning - they treat you in the emergency room, stablize your condition o...
by orlandoman
Thu Oct 26, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: This credit union pays 2.5% up to 50K
Replies: 14
Views: 3235

Re: This credit union pays 2.5% up to 50K

Looks like there are monthly debit card transaction requirements, which aren't specified ... "ATM transactions or transactions under $5.00 do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current sta...