Search found 30 matches

by Canopus
Wed Oct 14, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Question re Medicare Part B Premiums for 2021
Replies: 8
Views: 971

Question re Medicare Part B Premiums for 2021

A 1.3% increase in Social Security benefits for 2021 has been announced. Based upon what I have read, the percentage increase in Medicare Part B premiums for 2021 will not be announced until November 2020 (based upon actuarial data). Several posters on this board have used their own models to accura...
by Canopus
Wed Oct 07, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Recommendations for Peanut Butter With Little or No Added Sugar
Replies: 81
Views: 5097

Re: Recommendations for Peanut Butter With Little or No Added Sugar

To mkc:

Thank you so much re the heads-up re xylitol. I regularly insert peanut butter into my dog's Kong toy. Indeed, this is one reason I am seeking peanut butter with little or no added sugar.

Canopus
by Canopus
Tue Oct 06, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Peanut Butter With Little or No Added Sugar
Replies: 81
Views: 5097

Recommendations for Peanut Butter With Little or No Added Sugar

The labels of commercially popular peanut butter (Jif, Skippy), typically show sugar as the second most abundant ingredient. I am looking for a brand of peanut butter with little or no added sugar . Please note: I wish to avoid the so-called "natural" variety of peanut butter in which the oil separ...
by Canopus
Fri Sep 04, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?
Replies: 70
Views: 4388

Re: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?

OP here.

I want to thank the many people who responded to my queries. You have given me so much to consider.

The collective wisdom of the Bogleheads community on so many topics amazes me every time I log onto this site.

Canopus
by Canopus
Thu Sep 03, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?
Replies: 70
Views: 4388

To Join a Gym or Not After 70? Type of Gym? Are Fitness Goals Achievable?

I am in my 70's and have noticed a loss of lower-body-muscle-mass/lower-body-strength over time. Climbing stairs nowadays is a chore. As I understand human physiology, lost muscle mass cannot be regained, but weight training will slow down further muscle mass loss. Is this correct? I am considering ...
by Canopus
Sat Aug 22, 2020 12:30 am
Forum: Personal Consumer Issues
Topic: Hobbies that cost $$
Replies: 23
Views: 1918

Hobbies that cost $$

Upon retirement, I brought my childhood Lionel model trains out of storage. I was more-or-less content with my old rolling stock, but then I became enamored with adding additional cars, locomotives, figures, etc. I've been able to find real bargains at estate sales, garage sales, Facebook Marketplac...
by Canopus
Sat Aug 15, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Legal Terminology: Meaning of Phrase "Of Good Character"
Replies: 7
Views: 662

Legal Terminology: Meaning of Phrase "Of Good Character"

I belong to an American property owners association whose bylaws state that membership is open to those " of good character ." This wording first appeared in the original bylaws, which date back many decades. A process of bylaws-revision is currently underway. The board wishes to retain such wording...
by Canopus
Fri Aug 14, 2020 7:31 am
Forum: Personal Consumer Issues
Topic: Products that last forever
Replies: 238
Views: 15867

Re: Products that last forever

My Smith-Corona electric typewriter.

Canopus
by Canopus
Sat Aug 08, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: Should I purchase a whole house generator?
Replies: 321
Views: 15980

Re: Should I purchase a whole house generator?

We live in a wooded area with frequent power outages (one of which lasted eight days several years ago). We installed a Generac 13kw, propane-powered unit (with automatic transfer switch ) some time ago. It powers our refrigerator, stand-alone freezer, well pump, oil furnace, pellet stoves, garage-d...
by Canopus
Sat Oct 05, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 7257

Social Security Card as Identification for Real ID

Am preparing to apply for a Real ID-compliant driver license. One of the requirements is that I submit my original Social Security card as part of the identity-verification process. Many years ago, at the time that I applied for Social Security, the card that I was issued was a blank template on whi...
by Canopus
Sat Sep 28, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 15804

Jonathan Clements: About half your retirement accumulation is just the dollars you put in

For TIAA-CREF participants, if one logs onto the website and clicks on Account Summary > Retirement> Contributions , the resulting page will display: ) Total Balance ) Contributions from you ) Contributions from your employer. Easy enough to determine what percentage of your total balance has come f...
by Canopus
Mon Sep 23, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Minimum Wage for Restaurant Waitstaff. Whether/How Much to Tip?
Replies: 7
Views: 962

Minimum Wage for Restaurant Waitstaff. Whether/How Much to Tip?

OP here.

My understanding is that, in some jurisdictions, the so-called "tip credit" may be eliminated. In that case, the waitstaff will be paid based on the number of hours worked and the locally-mandated minimum wage that applies to all other workers, irrespective of where employed.

Canopus
by Canopus
Mon Sep 23, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Minimum Wage for Restaurant Waitstaff. Whether/How Much to Tip?
Replies: 7
Views: 962

Minimum Wage for Restaurant Waitstaff. Whether/How Much to Tip?

Several political jurisdictions have mandated (or will soon mandate) minimum wage compensation for restaurant waitstaff (elimination of tip credit). Question: How will this affect the way you tip? Second question: If tipping is no longer the primary way to indicate your pleasure (or displeasure) wit...
by Canopus
Sat Aug 31, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Polish Beer
Replies: 24
Views: 1970

Recommendations for Polish Beer

OP here.

As suggested on this thread, I chose Lech premium beer. Had it with Kiszka, aka Kishka (Polish blood sausage). Lech, with an orange slice in the stein (à la Blue Moon), was very refreshing. Lech was the finishing touch for an authentic Polish meal.

Canopus
by Canopus
Sat Aug 10, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Polish Beer
Replies: 24
Views: 1970

Re: Recommendations for Polish Beer

Excuse my ignorance, but what is Polish syrup? And how does one consume it with beer?

Canopus
by Canopus
Sat Aug 10, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Recommendations for Polish Beer
Replies: 24
Views: 1970

Recommendations for Polish Beer

Have located an old-world-style Polish butcher shop/deli close to where I live. Will be buying blood kishka (kishke), kielbasa, and pierogis to have an authentic Polish meal. The shop also stocks various brands of imported Polish beer. Can anyone recommend a brand that I can buy? (I typically drink ...
by Canopus
Sat Jul 20, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: All-Season Tires with Low Rolling Resistance
Replies: 7
Views: 716

All-Season Tires with Low Rolling Resistance

My Prius came equipped with Bridgestone Ecopia tires, which have delivered good gas mileage. However, these tires have poor traction on wet/snowy road surfaces. I will soon need replacement tires. Is there such a thing as an all-season tire that also has low rolling resistance (good fuel efficiency)...
by Canopus
Sun Oct 21, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Privacy Protections for a Patient Death Preceding Passage of HIPAA
Replies: 7
Views: 949

Privacy Protections for a Patient Death Preceding Passage of HIPAA

I am researching a relative (my late grandmother's sister) for purposes of constructing a family tree. My relative died in 1977. At the time of her death, she was a patient in a psychiatric hospital in PA. I am seeking information such as her spouse's name, whether there were any children, etc. My l...
by Canopus
Thu Oct 11, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Program/App to Display Family Tree (Branching Diagram)
Replies: 11
Views: 794

Program/App to Display Family Tree (Branching Diagram)

Does Ancestry.com allow input of data from other sources (printed materials, information from relatives, other web sites, etc.) in constructing a family tree?

Canopus
by Canopus
Thu Oct 11, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Program/App to Display Family Tree (Branching Diagram)
Replies: 11
Views: 794

Program/App to Display Family Tree (Branching Diagram)

OP here. The intro video for Mac Family Tree makes a statement that "all charts and diagrams can be printed, exported, or turned into a website you can share with your family." I am a Mac user, but the relatives with whom I wish to share this information are PC users. For those familiar with Mac Fam...
by Canopus
Thu Oct 11, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Program/App to Display Family Tree (Branching Diagram)
Replies: 11
Views: 794

Program/App to Display Family Tree (Branching Diagram)

I have become interested to tracing my ancestry. I have gathered information from printed materials, online sources, and conversations with relatives. Now I wish to plot my family tree. I could do so the old fashioned way with pen and paper and a sketched branching diagram, but the final product wou...
by Canopus
Wed Oct 25, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Retired at 72; Timing of First RMD
Replies: 5
Views: 1141

Retired at 72; Timing of First RMD

My situation: I turned 72 earlier this year (2017). I retired effective 31 August 20017. I have a 403(b) account; the entire accumulation resulted from my time with the same employer. Q1) May I delay taking my first RMD until 1 April 2018? Q2) May I split my first RMD between two calendar years (201...
by Canopus
Tue Jun 06, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Source for Finding and Understanding Medical Billing Codes
Replies: 8
Views: 1237

Re: Source for Finding and Understanding Medical Billing Codes

To toofache32:

Over and above pre-authorization, is there anything I (or my surgeon) can do to increase the likelihood of payment? The thought of bearing the full cost of the surgery is VERY intimidating.
by Canopus
Mon Jun 05, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Source for Finding and Understanding Medical Billing Codes
Replies: 8
Views: 1237

Re: Source for Finding and Understanding Medical Billing Codes

I have visited the suggested website. I find the large number of codes and diagnoses overwhelming. I am trying to determine whether my medical insurance will cover some specific surgical procedures. Is it legit to ask my physician to inform me of the codes he will submit so that I can run them by my...
by Canopus
Mon Jun 05, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Source for Finding and Understanding Medical Billing Codes
Replies: 8
Views: 1237

Source for Finding and Understanding Medical Billing Codes

Can anyone provide a source (link) for identifying and understanding medical billing codes that are submitted to insurers? It would be helpful if any site to which you refer me has a search function.
by Canopus
Fri Jan 27, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance in Retirement
Replies: 20
Views: 2896

Dental Insurance in Retirement

Have searched previous threads on this topic and am hoping for current information. My wife and I will soon retire. We have had employer-provided dental insurance until now. We have seen the same dentist for 30 years and we do not wish to switch. He is an independent practitioner, not a member of an...
by Canopus
Fri Jan 20, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits Based on Earnings Record of Ex-Spouse
Replies: 4
Views: 907

Social Security Benefits Based on Earnings Record of Ex-Spouse

Am posing this question for a friend. Her situation: She was married for 17 years before her divorce. She has not remarried. During the time of the marriage, her husband worked continuously whereas she took some time off for child-rearing before returning to the work force. Upon reaching age 62, she...
by Canopus
Tue Feb 23, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs from 401K - After 70, Still Working
Replies: 10
Views: 1383

Re: RMDs from 401K - After 70, Still Working

In the scenario described by Small Law Survivor, if someone stops working during a calendar year (e.g., October), does the IRS regard that year as being the effective date of retirement? Or is it the following year, which would be a full year of not working? This would have implications regarding wh...
by Canopus
Sun Nov 01, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 477
Views: 71347

Re: Changes to Social Security

Another wrinkle on this topic. Under the recently-passed budget agreement (section 831), those who have turned 62 or older by the end of 2015 are grandfathered with respect to the rule on restricted application for spousal benefits. I began my Social Security retirement benefit after I had reached m...
by Canopus
Mon Apr 06, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Status of Inherited, Cashed Out Traditional IRA
Replies: 9
Views: 1278

Tax Status of Inherited, Cashed Out Traditional IRA

My situation: A relative of mine passed away. There was no will; assets were distributed according to the intestacy rules of NY. Part of her estate was a traditional IRA. Given that there were seven heirs, the executor thought it best to cash out the IRA (bank CD I believe) and include the proceeds ...