Search found 578 matches

by LadyIJ
Thu Apr 16, 2020 4:04 pm
Forum: Personal Consumer Issues
Topic: stimulus - does this make SENSE?
Replies: 12
Views: 1467

Re: stimulus - does this make SENSE?

LadyIJ, did you ask for or receive any kind of "rapid refund," "refund advance," "refundNOW" or anything similar? If so, that might be the explanation. The Washington Post article says Customers who use popular tax preparation services such as H&R Block, TurboTax and Jackson Hewitt complained on Tw...
by LadyIJ
Thu Apr 16, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: stimulus - does this make SENSE?
Replies: 12
Views: 1467

Re: stimulus - does this make SENSE?

thank you - I specifically told gave the IRS permission to credit account - although it's only one person on the checking account for both of us, but hope that works. I'm not willing to do anymore after wrangling with their website, if that's not good enough, we'll just wait for a check. Thanks for ...
by LadyIJ
Thu Apr 16, 2020 3:27 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2361

Re: Leaky kitchen sink in middle of Pandemic

follow up - it was much more than a leaky faucet, and I'm glad we had it taken care of before COVID has spread much more (about 3 weeks ago, and we're thankfully fine).
by LadyIJ
Thu Apr 16, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: stimulus - does this make SENSE?
Replies: 12
Views: 1467

Re: stimulus - does this make SENSE?

thanks for the answers, I did not realize they didn't keep the information on file .... I used the word "Apparently" because I am not sure about what I wrote at all. Several million people who filed their taxes via H&R Block, TurboTax and other popular services were unable to get their payments bec...
by LadyIJ
Thu Apr 16, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: stimulus - does this make SENSE?
Replies: 12
Views: 1467

Re: stimulus - does this make SENSE?

thanks for the answers, I did not realize they didn't keep the information on file for a debit to my account to use for a credit. I DID go in yesterday and put my banking information in. Too bad the accountants are not up on this. Thanks again. Be well all.
by LadyIJ
Thu Apr 16, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: stimulus - does this make SENSE?
Replies: 12
Views: 1467

stimulus - does this make SENSE?

we owed the IRS in 2018 and used a checking account. Did not receive stimulus; checked with our CPA, he said it should go in that same account since the IRS has that account. Today I read this on IRS website: "The account information used to make an electronic payment to the IRS cannot be used as th...
by LadyIJ
Sat Mar 28, 2020 7:59 am
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2361

Re: Leaky kitchen sink in middle of Pandemic

:idea: Washington Post article today: How homeowners should handle plumbing, housecleaning and other services during a pandemic https://www.washingtonpost.com/lifestyle/home/how-homeowners-should-handle-plumbing-housecleaning-and-other-services-during-a-pandemic/2020/03/27/a68373d0-6ccf-11ea-aa80-c2...
by LadyIJ
Fri Mar 27, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2361

Re: Leaky kitchen sink in middle of Pandemic

We are having a problem with our chimney leaking into the fireplace. What a time for this....Supposed to storm the next two days. I went up there today and put silicon on the cracks on the crown that I could see. Hopefully that will stop any leaks until this is all over so I can have a pro come out...
by LadyIJ
Fri Mar 27, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2361

Re: Leaky kitchen sink in middle of Pandemic

Our kitchen sink is leaking - we have Covid cases in our area. My DH and I are arguing - he wants a plumber out. I am afraid to have a plumber in our house. What would you do? Any ideas? P.S. Is this just the beginning of issues for a lot of us? dental and health problems, appliance breaking? Just ...
by LadyIJ
Fri Mar 27, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2361

Re: Leaky kitchen sink in middle of Pandemic

We have also have a leaky kitchen sink and a garage door we need fixed, that normally I would have immediately called a serviceman to address. We've agreed that neither is an emergency so we are putting it off for the time being. We're having our guy come out, it's a BAD leak and we will not be abl...
by LadyIJ
Fri Mar 27, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: Leaky kitchen sink in middle of Pandemic
Replies: 39
Views: 2361

Leaky kitchen sink in middle of Pandemic

Our kitchen sink is leaking - we have Covid cases in our area. My DH and I are arguing - he wants a plumber out. I am afraid to have a plumber in our house. What would you do? Any ideas?

P.S. Is this just the beginning of issues for a lot of us? dental and health problems, appliance breaking?
by LadyIJ
Wed Mar 18, 2020 9:47 am
Forum: Personal Consumer Issues
Topic: anyone postpone a trip on United?
Replies: 8
Views: 844

Re: anyone postpone a trip on United?

United rep very polite and responsive and canceled trip for full refund. to credit card? I thought they were only waiving change fees. sorry for late reply. My mistake. I supposedly have a credit for another trip (although I do not see it on their website but the trip is not there anymore). I got a...
by LadyIJ
Tue Mar 17, 2020 6:03 am
Forum: Personal Consumer Issues
Topic: anyone postpone a trip on United?
Replies: 8
Views: 844

Re: anyone postpone a trip on United?

update - credit for canceled trip on United does not show up, although they did credit my credit card the seat upgrades. Not familiar with United - anyone know where I would see that credit.
by LadyIJ
Fri Mar 13, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: anyone postpone a trip on United?
Replies: 8
Views: 844

Re: anyone postpone a trip on United?

update - got through after a couple of hours (and got a lot of work done in my office while on hold). United rep very polite and responsive and canceled trip for full refund. The seat upgrade charges go directly back to my credit card.
by LadyIJ
Fri Mar 13, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: anyone postpone a trip on United?
Replies: 8
Views: 844

Re: anyone postpone a trip on United?

I did, and it was straightforward. Although we are premier so maybe it was easier for us? I called the United premier phone line; the computer said a 15 - 20 minute wait, and offered me the option of getting a call back; I took the option; someone did in fact call back in about 20 minutes. I gave h...
by LadyIJ
Fri Mar 13, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Cancel flights due to coronavirus concerns?
Replies: 76
Views: 7831

Re: Cancel flights due to coronavirus concerns?

I booked travel through Chase for this weekend. all the events we were attending have been cancelled. You cannot cancel flights through the Chase online portal (only book them), only on the phone. I have called the various Chase UR/Travel phone lines upwards of 25 times, and have gotten disconnecte...
by LadyIJ
Fri Mar 13, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Cancel flights due to coronavirus concerns?
Replies: 76
Views: 7831

Re: Cancel flights due to coronavirus concerns?

Cancelling flights is not that easy. I have to cancel my kid's flight home from college (rebooked an one-way flight online yesterday) and the airline website said to call. So I called last night and was waiting for 3 hours before giving up. This morning, I waited 2.5 hours before finally getting th...
by LadyIJ
Fri Mar 13, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12401

Re: Are you still going to the gym ...

how is being at gym different from being at work? the only way to avoid getting sick is to completely isolate yourself and stay at home. Otherwise u have same chance to get sick work or gym. Yes, because you can hand sanitize all day, but if someone sneezes within 6' of you, you can get the virus. ...
by LadyIJ
Fri Mar 13, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12401

Re: Are you still going to the gym ...

how is being at gym different from being at work? the only way to avoid getting sick is to completely isolate yourself and stay at home. Otherwise u have same chance to get sick work or gym. Yes, because you can hand sanitize all day, but if someone sneezes within 6' of you, you can get the virus.
by LadyIJ
Fri Mar 13, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: anyone postpone a trip on United?
Replies: 8
Views: 844

anyone postpone a trip on United?

I want to postpone my early April trip to Florida on United. I have read they are waiving the transfer fees, although when I go online to cancel flight, they only show a credit MINUS the seat upgrades ($200). Not a make or break situation in life, but I'm thinking once I actually cancel trip online,...
by LadyIJ
Sun Dec 22, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Bed Pillows
Replies: 35
Views: 5959

Re: Bed Pillows

DW loves her MyPillow but it’s too high for me. We went through a series of pillows from Costco but I haven’t found “the one” yet. Please let us know how the COOP pillow works out. The My Pillow I bought from Walmart was a cheaper model than the ones I bought from them directly. BUT I like it bette...
by LadyIJ
Fri Dec 06, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: To Withdraw or Not to Withdraw
Replies: 13
Views: 1151

Re: To Withdraw or Not to Withdraw

that is the question. Like many others here, I've spent my entire working life accumulating. I took early retirement a few years ago, and have been withdrawing as needed - at this point, the withdrawals are still coming from cash funds within my IRA's so I don't feel like I'm losing any of the inve...
by LadyIJ
Fri Dec 06, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: To Withdraw or Not to Withdraw
Replies: 13
Views: 1151

Re: To Withdraw or Not to Withdraw

Sometimes my brain is fogged. But I'm really unclear as to why you can't roll it all (or most) into your Roth? Is it the mixed-contribution issue? Otherwise.... having a similar dinghy I'm sucking down my IRA as hard as I can to the absolute top of the 24% tax bracket in the years between early ret...
by LadyIJ
Sun Dec 01, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: To Withdraw or Not to Withdraw
Replies: 13
Views: 1151

Re: To Withdraw or Not to Withdraw

If you are afraid to reinvest any extra money and don't want to pay taxes on the withdrawal, then I don't see how it could make sense to withdraw more from your investments than you need. I don't mind paying taxes on the withdrawals, since I'm keeping limiting the withdrawals to my lower tax bracke...
by LadyIJ
Sun Dec 01, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: To Withdraw or Not to Withdraw
Replies: 13
Views: 1151

To Withdraw or Not to Withdraw

that is the question. Like many others here, I've spent my entire working life accumulating. I took early retirement a few years ago, and have been withdrawing as needed - at this point, the withdrawals are still coming from cash funds within my IRA's so I don't feel like I'm losing any of the inves...
by LadyIJ
Sun Dec 01, 2019 4:21 pm
Forum: Personal Investments
Topic: withdrawal strategy in retirement
Replies: 10
Views: 2538

Re: withdrawal strategy in retirement

I suggest that you re-check your tax calculations using tax-prep software. We have an AGI of about $120,000 and taxes are under $5,000, so no where near 30%. Why do you think taxes are 30%? I would love to pay under $5K with AGI of $120,000. Looking at the IRS Tax Schedule which goes up to $98,950 ...
by LadyIJ
Mon Oct 28, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Part D Drug Plan - chemotherapy drugs not covered?
Replies: 10
Views: 1446

Re: Part D Drug Plan - chemotherapy drugs not covered?

Interesting and comforting that it's most likely under Plan B - I never would have thought about it, but that we just changed plans and I noticed they state they are not covered. Thanks for the replies.
by LadyIJ
Mon Oct 28, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Part D Drug Plan - chemotherapy drugs not covered?
Replies: 10
Views: 1446

Re: Part D Drug Plan - chemotherapy drugs not covered?

Interesting and comforting that it's most likely under Plan B - I never would have thought about it, but that we just changed plans and I noticed they state they are not covered. Thanks for the replies.
by LadyIJ
Sun Oct 27, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Part D Drug Plan - chemotherapy drugs not covered?
Replies: 10
Views: 1446

Part D Drug Plan - chemotherapy drugs not covered?

I've been shopping around for my husband and mom, and I noticed that chemotherapy drugs are not covered on Part D. Luckily, neither one needs these (knock wood!) but what happens if one DOES need them?
by LadyIJ
Mon Sep 30, 2019 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9784

Re: Humana Part D - ILLINOIS - premiums up up up

Addendum - Wrap up: I guess I have to wait until OCT 15th to get the comps online or from SHIP. Noteworthy: Humana's increase for premiums in Illinois from $23.50 to $52.90 per month includes a price reduction in Drug Tier 2 BUT, as with any plan, they can and may likely raise the Tiers on drugs, so...
by LadyIJ
Mon Sep 30, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9784

Re: Humana Part D - ILLINOIS - premiums up up up

A relative does not have Part D, but he does have regular health insurance that covers prescriptions. And something has happened within the last year. He had to pay 3x as much for a very low cost generic drug. It appears that pharma substantially increased the drug costs and we all have to pay for ...
by LadyIJ
Sun Sep 29, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9784

Re: Humana Part D - ILLINOIS - premiums up up up

What was called the Humana Walmart Part D plan will be called in 2020 the Humana Premier Rx Plan (PDP). In Oregon (?and Washington State), the monthly premium is going up from $26.60 in 2019 to $56.60 in 2020 (113% !!). The only reduction is in the Drug Tier 2 co-pays. I have no idea why the monthl...
by LadyIJ
Sat Sep 28, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9784

Human Part D prem. increase - Medicare calculator shows 2019 rates

I just got my mail and skimmed through Humana's notice - seems like they are more than doubling their monthly premium. I'm going to make an appointment with SHIP to see comps on other plans. Am I misreading this? That's a huge increase if that's the case. I went on Medicare's cost calculator and th...
by LadyIJ
Sat Sep 28, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9784

Re: Humana Part D

I just got my mail and skimmed through Humana's notice - seems like they are more than doubling their monthly premium. I'm going to make an appointment with SHIP to see comps on other plans. Am I misreading this? That's a huge increase if that's the case. My current Part D plan , WellCare Value Scr...
by LadyIJ
Sat Sep 28, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9784

Re: Humana Part D - ILLINOIS - premiums up up up

Yes, could be - it's for my husband and my mother and I don't want to make a mistake. Or I could call an agent. I just edited my subject line. Note, this tremendous increase is for Illinois - premium going from $23.50 to $52.90 per month.
by LadyIJ
Sat Sep 28, 2019 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9784

Re: Humana Part D

I'll have to place a call - you're saying her plan went down for 2020? Also, this is in Illinois
by LadyIJ
Sat Sep 28, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 9784

Humana Part D - ILLINOIS - premiums up up up

I just got my mail and skimmed through Humana's notice - seems like they are more than doubling their monthly premium. I'm going to make an appointment with SHIP to see comps on other plans. Am I misreading this? That's a huge increase if that's the case.
by LadyIJ
Sun Jun 16, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for potential second home purchase
Replies: 8
Views: 1299

Re: Planning for potential second home purchase

Hi folks, Our family is pondering a move out of the state. We haven't nailed down the exact location and practically speaking the actual move probably wouldn't occur for another two years. We currently hold enough assets in cash and investments to allow us to cover a down payment on a new home in t...
by LadyIJ
Fri Jun 14, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1048
Views: 107889

Re: Why are your NOT buying rental properties?

I don't want to do any work or deal with people. I prefer passive income from investments where I don't have to do anything. Second that - don't want to deal with people - we had rentals that went very well for a number of years, but then we ran into some bad tenants - tenants have more rights than...
by LadyIJ
Mon Mar 25, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5389

Re: dental work gone wrong - advice please.

No you should not have a cracked crown after 3 weeks. And your dentist agrees with you which is why he's trying to get it right. The crown broke and the dentist wants to make a new one. What else do you want??? Has he asked you for more money? Because when my dad had a 2nd heart attack only 2 month...
by LadyIJ
Sun Mar 24, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5389

Re: dental work gone wrong - advice please.

No you should not have a cracked crown after 3 weeks. And your dentist agrees with you which is why he's trying to get it right. The crown broke and the dentist wants to make a new one. What else do you want??? Has he asked you for more money? Because when my dad had a 2nd heart attack only 2 month...
by LadyIJ
Sun Mar 24, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5389

Re: dental work gone wrong - advice please.

Perception is fascinating. All crowns fit. But some better than others. The dentist could have just ground down the occlusion to make it fit your bite, while leaving you with a severely compromised crown and you would not know the difference. But he was not satisfied with the quality and sent it ba...
by LadyIJ
Sun Mar 24, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5389

Re: dental work gone wrong - advice please.

As a reminder, medical advice (details of treatment, etc.) are off-topic. See: Medical Issues Questions on medical issues are beyond the scope of the forum. If you are looking for medical information online, I suggest you start with the Medical Library Association's User's Guide to Finding and Eval...
by LadyIJ
Sun Mar 24, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5389

Re: dental work gone wrong - advice please.

In some states if you contact the Dental Association and the dentist is a member of that association there is something called peer review where the work can be looked at by a group of dentists and some sort of solution such as refund of the fees may happen if the work doesn't measure up to what sh...
by LadyIJ
Sat Mar 23, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5389

Re: dental work gone wrong - advice please.

Find another dentist for a second opinion immediately - ask friends or if you know a doctor or other medical professional for recommendations. There is a real risk that the current dentist may just continue to make things worse. You need a pro to make an objective assessment of what has been done s...
by LadyIJ
Sat Mar 23, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: dental work gone wrong - advice please.
Replies: 55
Views: 5389

dental work gone wrong - advice please.

I went to a new dentist who did work that wasn't quite right, she fixed it (tried to) and it was still not right. what to do?
by LadyIJ
Sun Jan 20, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19603

Re: Are You Dumping Netflix?

Love Netflix, am planning on dropping Amazon Prime. Maybe pick up Prime for a month down the line to catch up on new seasons of a couple of series. Not sure how long one has to wait to get a free month again. We would love to downgrade our DirecTV but then would not get Fox News or CNN, etc. I wish ...
by LadyIJ
Mon Jan 14, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: James Lee Burke - Nelson Demille
Replies: 6
Views: 681

Re: James Lee Burke - Nelson Demille

More than likely. James Lee Burke is probably the finest pure writer we have today in the mystery genre. I also like Michael Connelly but Burke is so special. He has the ability to craft words together which is difficult to describe. It goes beyond telling a good story, which he does. Demille is pr...
by LadyIJ
Mon Jan 14, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3720

Re: Winter boot recommendation

if you are a female: La Canadienne or Tecnica after ski. Male, Tecnica (I think La Canadienne is only for women). They are pricy, but made in Canada and Italy, and well made, and last. My wife has a 20 year old pair of Tecnica Skandia boots that she loves like no other. The soles are getting worn s...
by LadyIJ
Mon Jan 14, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: James Lee Burke - Nelson Demille
Replies: 6
Views: 681

James Lee Burke - Nelson Demille

If someone we want to send a gift to likes James Lee Burke, would he like Nelson DeMille as well?