Search found 541 matches

by LadyIJ
Sun Jun 16, 2019 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for potential second home purchase
Replies: 8
Views: 1114

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: 437
Views: 37450

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: 4833

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: 4833

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: 4833

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: 4833

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: 4833

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: 4833

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: 4833

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: 17513

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: 593

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: 3412

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: 593

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?
by LadyIJ
Thu Dec 27, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: AT&T Landline - what's considered "Long Distance"
Replies: 22
Views: 1361

Re: AT&T Landline - what's considered "Long Distance"

A joke on an episode of "The Marvelous Mrs. Maisel".... A character called the phone company to question a bill for calls outside her local calling area. At the end of the call to her phone company, she was told that her call to them would incur a long distance charge since they were outside her lo...
by LadyIJ
Thu Dec 27, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: AT&T Landline - what's considered "Long Distance"
Replies: 22
Views: 1361

Re: AT&T Landline - what's considered "Long Distance"

Another vote for Ooma. Long distance can be quite variable, I recall reading about someone posting that a phone call accross the street was long distance. I think you can check your local calling area here https://www.usa.att.com/localcallingarea/index.jsp Excellent - thank you - just hated the tho...
by LadyIJ
Wed Dec 26, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: AT&T Landline - what's considered "Long Distance"
Replies: 22
Views: 1361

AT&T Landline - what's considered "Long Distance"

I just got rid of "long distance" on my AT&T Landline which was $11 before taxes and almost $17 WITH. It took me 35 minutes after being transferred to 5 people. Yes, FIVE people. I am working on getting rid of the landline, but that that was a good start. Now how the heck do I find out what's within...
by LadyIJ
Mon Dec 24, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 6003

Re: How much do you pay for cable/internet/cellphone

Comcast xfinity internet $39/mo have never paid for cable tv; we don't watch much but have an antenna and Amazon Prime Xfinity wireless on a per-gig basis is generally $12-$25 per month for the two of us I'm actually paying $25 for a landline number at present, but will convert that to another opti...
by LadyIJ
Thu Nov 29, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3412

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.
by LadyIJ
Wed Oct 24, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6330

Re: Retirees: What keeps you up at night?

Silk McCue wrote, I regret that folks choose to bring up such discussions knowing that those that disagree really can't respond. It doesn't do anything to add to the conversation at hand and is self serving. A little overreaction? This thread was not titled “What are your hardcore convictions?” The...
by LadyIJ
Wed Aug 29, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4384

Re: Bone in my food

DanMahowny wrote:
Wed Aug 29, 2018 1:42 pm
C'mon man, get over yourself.

Why all the drama? It was a bone in the meat.
+1 really!
by LadyIJ
Wed Aug 29, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 9025

Re: Ladies: bra shopping question

I also sent you a private message.
by LadyIJ
Sun Aug 12, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 42
Views: 2294

Re: Understanding Medicare Options?

call your village or township and ask how to make an appointment with a SHIP (Senior Health Insurance Information Program) representative. I also agree with previous comments on "Medicare for Dummies" the Medicare website - I would read those BEFORE the appointment with the SHIP representative.
by LadyIJ
Wed Aug 01, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare supplemental, etc.
Replies: 24
Views: 1675

Re: Medicare supplemental, etc.

I'm a Medicare insurance agent. Call your local SHIP. Everyone has different needs. Don't assume you want Medicare supplement or Medicare Advantage until you research both and understand the pros/cons. Thought I missed the SHIP there for a minute. For those unfamiliar with the term, SHIP stands for...
by LadyIJ
Mon Jul 23, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1439

Re: Medicare Supplement question re Guarantee Issue

Thank you CashMoney, I know and will sign up for Parts A & B soon.
by LadyIJ
Sun Jul 22, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

It is worded "Coverage under the group medical plan will end March 31, 2017" -- also, there is no $183. it's a "integrated INDEMNITY medical option that is secondary to Medicare." So, it's $500 deductible for the year and $50 deductible for drugs. no copays, so it could be likely for one year that ...
by LadyIJ
Sun Jul 22, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

.....that is my main concern, that when I fall off my firm's retirement supplement............... That's the key. Falling off as you put it. It's seems clear enough from reading the Medicare website that you would be eligible for G.I. unquestionably if your retiree supplementary package was termina...
by LadyIJ
Sat Jul 21, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I found this online - memo to National Association of Insurance Carriers: Important Correction needed here. NAIC is not association of insurance "Carriers" It is the National Association of Insurance Commissioners Meaning, this is the rather small & exclusive (51 people, well, actually more when yo...
by LadyIJ
Sat Jul 21, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

As I read the link, I think it says you could enroll in G today at age 65 or later, and still have the option of moving to Plan F at any time (before or after 2020) if you can pass medical questions. Is that correct? But then, that is not "Guaranteed Issue" is it? Guaranteed Issue is no underwritin...
by LadyIJ
Sat Jul 21, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0ahUKEwjJ6pGrmqzcAhWK8YMKHTU9D-8QFggoMAA&url=https%3A%2F%2Fwww.naic.org%2Fdocuments%2Fcmte_b_senior_issues_related_macra_faq_2018.pdf&usg=AOvVaw0NHGMtLvZO3tijBGY7sJEF I guess I'll have to share this information with ...
by LadyIJ
Sat Jul 21, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

Good luck! Only other thing I could think of - since this involves federal matters, it couldn't hurt, and it wouldn't cost you anything, to make a phone call to your Congressman's district office and ask them to assist you. He/she would put their staff on it to research by contacting CMS directly. ...
by LadyIJ
Sat Jul 21, 2018 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

....... this is disheartening for all the boomers and older that it is so difficult to get information. Yes. But at least be thankful this person was honest, and candidly admitted they didn't know. What would be more disheartening if these S.H.I.P. people were freely giving out the Wrong Informatio...
by LadyIJ
Fri Jul 20, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I went to SHIP today, and sadly, the person knew less than I do....... That's not good to hear :( Didn't the worker even offer to take the questions to a supervisor? Maybe another branch office/ with someone more experienced? Are you in some little bitty place, far from Chicago or suburbs? I bet th...
by LadyIJ
Fri Jul 20, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I'm trying to decide between F and G now. I thought my insurance agent said I could take G now and still move into F in the future if I decided to make that change (if medical underwriting accepted). My bigger concern is F closing in 2020 to new people. Seems like for the most part the youngest peo...
by LadyIJ
Fri Jul 20, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Re: Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I went to SHIP today, and sadly, the person knew less than I do. I still believe from my own research, that when Plans C and F are not available as "Guarantee Issue" plans, they will offer Plan G . . .
by LadyIJ
Thu Jul 19, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1439

Re: Medicare Supplement question re Guarantee Issue

If I take my Firm's Medicare supplemental plan (creditable), Firm requires me to sign up for Original Medicare Parts A & B at 65, when my Firm supplement ends in 2022 according to Medicare.gov's website, I would have Guaranteed Issue (GI) to various plans, including Plan F. My supplement ends in 20...
by LadyIJ
Thu Jul 19, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1439

Re: Medicare Supplement question re Guarantee Issue

The Medicare link provided above also says the following: "Your Medigap insurance company goes bankrupt and you lose your coverage, or your Medigap policy coverage otherwise ends through no fault of your own. You have the right to buy Medigap Plan A, B, C, F, K, or L that’s sold by any insurance com...
by LadyIJ
Thu Jul 19, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1439

Re: Medicare Supplement question re Guarantee Issue

"You have Original Medicare and an employer group health plan (including retiree or COBRA coverage) or union coverage that pays after Medicare pays and that plan is ending. You have the right to buy Medigap Plan A, B, C, F, K, or L that’s sold by any insurance company in your state. If you have COB...
by LadyIJ
Thu Jul 19, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Appears that Medicare Guaranteed Issue Plan F will be replaced with G
Replies: 40
Views: 3615

Appears that Medicare Guaranteed Issue Plan F will be replaced with G

I found this online - memo to National Association of Insurance Carriers: 22. What changes are made to Guaranteed Issue requirements? Since two of the current guaranteed issue plans, Plans C and F, will no longer be available for "newly eligible" Medicare Beneficiaries on or after January 1, 2020, P...
by LadyIJ
Thu Jul 19, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1439

Re: Medicare Supplement question re Guarantee Issue

......So if I wait until 4/1/2022, will I still be able to get guaranteed issue on Plan F. I've gotten a few different interpretations. Have you asked your benefits manager at your former firm? If it is a big company with lots of retirees surely this question has come up to them before? Unfortunate...
by LadyIJ
Thu Jul 19, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1439

Re: Medicare Supplement question re Guarantee Issue

"You have Original Medicare and an employer group health plan (including retiree or COBRA coverage) or union coverage that pays after Medicare pays and that plan is ending...... Yes, but that is not the scenario that the OP is describing. She does not have Original Medicare (Parts A and B) and will...
by LadyIJ
Thu Jul 19, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1439

Re: Medicare Supplement question re Guarantee Issue

It is not clear what your Firm's medicare supplement plan is and why it would automatically terminate at the end of 2022. Plans C & F will not terminate, rather enrollees who are medicare eligible after 12/31/2019 will not be able to enroll in these plans. My Firms' plan is a comprehensive suppleme...
by LadyIJ
Thu Jul 19, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement question re Guarantee Issue
Replies: 20
Views: 1439

Medicare Supplement question re Guarantee Issue

If I take my Firm's Medicare supplemental plan (creditable), Firm requires me to sign up for Original Medicare Parts A & B at 65, when my Firm supplement ends in 2022 according to Medicare.gov's website, I would have Guaranteed Issue (GI) to various plans, including Plan F. My supplement ends in 202...
by LadyIJ
Sat Jul 14, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Guaranteed Issue Question
Replies: 6
Views: 743

Re: Medicare Plan F and Guaranteed Issue Question

Well, you know what the employer-offered plan costs: 0 But, you are facing that $500 deductible and then co-pays forever (albeit somewhat small it sounds like) With G, you know from the git-go what the damages will be for the year: Part B deductible amount (currently $183) plus your monthly premium...
by LadyIJ
Sat Jul 14, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Guaranteed Issue Question
Replies: 6
Views: 743

Re: Medicare Plan F and Guaranteed Issue Question

and the plan they are offering - yes it is $500 deductible, but they can raise it - it's only for three years -- I'm thinking about spending a little more and starting at the $101. It's in Illinois . . . thanks for your input
by LadyIJ
Fri Jul 13, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Guaranteed Issue Question
Replies: 6
Views: 743

Re: Medicare Plan F and Guaranteed Issue Question

Thanks, I did - I'm only interested in G, and it makes me wonder if I should pay a bit more now and take the Plan G rather than the uncertainly of what will be offered in 2021, considering they are saying Guaranteed Issue for Plan A, B, C, F, K, or L only, meaning A,B,K and L Guaranteed Issue, will ...
by LadyIJ
Fri Jul 13, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Guaranteed Issue Question
Replies: 6
Views: 743

Medicare Plan F and Guaranteed Issue Question

I'm recently retired and when I turn 65 my firm will provide me with a Supplemental Plan, but I must sign up for Medicare Parts A & B. This supplement has no monthly premium, but a $500 deductible and then pay 70% of the unpaid bills (i.e. - 70% of the 20% remaining bill) after meeting the $500 dedu...
by LadyIJ
Sun Jun 10, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2354

Re: Buying CPO Lexus - any advice appreciated

Thanks everyone - I do like the look of black interior, but will probably cave to my husband and get the parchment. I will take everyone's post to heart - I do like a car made in Japan, but can look at the 2015's and also as suggested see prices on the 2018's. Thanks again.
by LadyIJ
Sun Jun 10, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2354

Re: Buying CPO Lexus - any advice appreciated

The Lexus ES is being completely redesigned for 2019. The pictures are already on the internet so you can take a look. Try the Automobile magazine website. I suggest that you wait a little bit since the new ES will cause the value of the previous versions to become lower in price. If you really wan...
by LadyIJ
Sun Jun 10, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2354

Re: Buying CPO Lexus - any advice appreciated

Well, you have characterized what I would do, but then decided that you might not do it: 1. Cast a wider net. 2. Buy a car that was in a minor accident. 3. Start at 20% off and negotiate to 15% off. 4. Accept a different color and features to get the price lower, but in no case buy a car with a bla...
by LadyIJ
Sun Jun 10, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 2354

Re: Buying CPO Lexus - any advice appreciated

I would cross shop with an Avalon - practically identical car without the L on the front. Probably half the price. +1 Also, you do not need to get service done at the Lexus dealer. I asked a question on this forum a year ago about finding a good mechanic. One of the responses was the npr website fo...