Search found 438 matches

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: 1007

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: 3041

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: 1700

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: 32
Views: 4625

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: 1419

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: 11
Views: 1346

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: 712

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: 43
Views: 3556

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: 1070

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: 130
Views: 13482

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: 1710

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: 130
Views: 13482

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: 130
Views: 13482

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: 130
Views: 13482

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: 22
Views: 3621

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: 1937

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: 2585

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: 4897

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: 4897

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: 1950

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: 3131

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: 2478

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: 2330

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: 6053

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: 4831

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: 4831

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: 4831

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: 4831

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: 4831

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: 86
Views: 6160

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: 3104

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...
by orlandoman
Mon Oct 09, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 2447

Re: Medicare versus Medicare Advantage for 2018

" .... her regular primary care physician was leaving her network at the end of this year ..." & "I find that next year my primary care physician also dropped out of Humana's PPO listing" Since these are PPO plans, you can see the doctors as out of network, it may be the difference between a $0-$15...
by orlandoman
Sat Oct 07, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 2447

Re: Medicare versus Medicare Advantage for 2018

Thank you for the replies - does anyone know of someone who was on Medicare Advantage and then tried to switch back to Medigap and they were not eligible for Medigap policy? Medical underwriting would apply ... so, it would depend on your health condition/history & the underwriting requirements of ...
by orlandoman
Sat Oct 07, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 2447

Re: Medicare versus Medicare Advantage for 2018

As a physician, I would not recommend Medicare Advantage, unless you are of good health and do not anticipate using the healthcare system frequently (an unlikely scenario as you age). The upfront costs of traditional Medigap plan pale compared to the deductible and coinsurance costs of a Medicare (...
by orlandoman
Fri Oct 06, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 83
Views: 7544

Re: Password Protection

FYI, Sticky Password, https://www.stickypassword.com/ has the option to sync multiple devices locally via your home wifi network with paid version (in cloud is optional). Most, others can only sync multiple devices via cloud.
by orlandoman
Fri Oct 06, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 83
Views: 7544

Re: Password Protection

Take a look at https://www.roboform.com/ & https://www.stickypassword.com/, each have a free/paid version and have been around for years & have millions of users. I use both & have for years.
by orlandoman
Sat Sep 23, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 2083

Re: Transfering 250K online from one bank to another

I've done lots of ETF transfers into/out of Ally without any problems, but not for $250k.
by orlandoman
Fri Sep 22, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Equifax TrustedId login
Replies: 2
Views: 465

Re: Equifax TrustedId login

I've spoke to suppport today, they've had multiple site crashes because of volume of traffic, they are working on stabilizing.
by orlandoman
Thu Sep 21, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Would you get flood insurance?
Replies: 25
Views: 1922

Re: Would you get flood insurance?

I believe $450 yr is the Zone 'X' Preferred Policy rate, $250k house & $100k property, this is the max coverage amt they write. This is also the least expensive policy they write, with the exception that you can opt for a higher deductable for a slightly lower premium. Base on hurricane activity & c...
by orlandoman
Sat Sep 16, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 870

Re: Credit Monitoring - 1 or 3 Bureau?

Sites like Credit Karma offer free monitoring from 1 credit bureau. Sites that monitor all 3 credit bureaus seem to charge $19.95 & up. This is incorrect. Credit Karma monitors 2 reports - TransUnion and Equifax. For free monitoring of Experian, sign up for www.freecreditscore.com (owned by Experia...
by orlandoman
Sat Sep 16, 2017 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Credit Monitoring - 1 or 3 Bureau?
Replies: 10
Views: 870

Credit Monitoring - 1 or 3 Bureau?

Sites like Credit Karma offer free monitoring from 1 credit bureau. Sites that monitor all 3 credit bureaus seem to charge $19.95 & up.

How important is it to have all 3 monitored versus 1?
by orlandoman
Wed Sep 13, 2017 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze affects SSA online account
Replies: 22
Views: 4570

Re: Credit Freeze affects SSA online account

I am currently drawing my SS benefit. I created a SSA online account to prevent ID theft but have logged on only once since setting it up, that was before I froze my credit several years ago. I cannot see why I would ever want to visit again. Can someone give me a good reason why I would want to go...
by orlandoman
Sun Sep 10, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 61413

Re: Equifax customer information leak

FYI, if you decide to sign up for credit monitoring services, they may require you to lift any freezes you have put on, until your new credit monitoring service is in effect. This is what Credit Karma says in their FAQ's ... 1. I have a security freeze on my credit reports. Can I still use Credit Ka...
by orlandoman
Sat Sep 09, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 8470

Re: Fidelity Security

Here's the account data security page on Fidelity's website https://www.fidelity.com/security/overview That page includes, "We're proud of the trust you place in Fidelity and want to ensure that you have peace of mind when doing business with us. That's why we offer this guarantee: We will reimburse...
by orlandoman
Fri Sep 08, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 61413

Re: Equifax customer information leak

A credit freeze is an effective tool in preventing the most costly and difficult-to-detect form of identity theft ― false new accounts opened in your name. New account fraud occurs when a thief uses the victim's personal information to open up one or more new accounts for credit or services in the v...
by orlandoman
Fri Sep 08, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Freeze Credit for free without police report
Replies: 26
Views: 2938

Re: Freeze Credit for free without police report

A credit freeze is an effective tool in preventing the most costly and difficult-to-detect form of identity theft ― false new accounts opened in your name. New account fraud occurs when a thief uses the victim's personal information to open up one or more new accounts for credit or services in the v...
by orlandoman
Fri Aug 25, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Subaru - One tire bad replace all four?
Replies: 31
Views: 2641

Re: Subaru - One tire bad replace all four?

This is not specific to Subaru, but pertains to all AWD vehicles. At 7 years old, like others have said, I would recommend replacing all four due to age. That being said, and not specifically related to your post ... on AWD vehicles if a single tire needs to be replaced (probably due to road damage)...
by orlandoman
Wed Aug 23, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 5144

Re: Experience finding gas pump card skimmer?

FYI, I was told that the COSTCO gas attendant checks each pump once an hour. I was curious & asked my local COSTCO.
by orlandoman
Wed Jul 26, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 4295

Re: Medical Coverage Outside US

+1 for https://www.geobluetravelinsurance.com/ Also, read the fine details on whether policy is primary or secondary or will reimburse you or pays up front ... GeoBlue pays directly to provider for services/hospital where possible. Ok I read the fine print and called GeoBlue. If I choose their Choi...