Search found 2455 matches

by drawpoker
Mon Oct 14, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Roof not installed properly
Replies: 14
Views: 1244

Re: Roof not installed properly

If the roofer pulled a permit, didn't mention drip edge in contract even though city requires it, how did the job get inspected and finalized without it? In our area permits for home improvements are just another revenue-producing tool for the town. :greedy Nobody from the inspections dept comes ou...
by drawpoker
Mon Oct 14, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Doctors charging for things outside of insurance, is this Kosher?
Replies: 36
Views: 2797

Re: Doctors charging for things outside of insurance, is this Kosher?

Now that more details have been provided (thanks) it seems reasonable to me. Under the circumstances.

This special fee is outside the insurance, it has been explained it is optional, the reason for the charge has been explained, and the patient can either agree, or, decline it.
by drawpoker
Sun Oct 13, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries on Retirement Accounts
Replies: 13
Views: 1320

Re: Beneficiaries on Retirement Accounts

This is all very confusing and lacks key information. As pointed out, in naming primary and contingent beneficiaries on a IRA you must declare percentage amounts. There is really no such thing as a "co-beneficiary" unless in the sense that two persons are named and each is designated 50%. Is that wh...
by drawpoker
Fri Oct 11, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 37
Views: 3411

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

I have another tip for you.

Do not stare directly at the Redskins/Dolphins game Sunday. Eye damage could result.
by drawpoker
Fri Oct 11, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: What’s the proper way to pay yourself in retirement?
Replies: 62
Views: 6671

Re: What’s the proper way to pay yourself in retirement?

.....We've been taking money when we need it by selling shares of whatever makes sense at that point in time. We're ok with that....... Works for me, too. Of course, try and time it when the market is high and share price up. That way, if it goes down in the next few days, I feel smug, pat myself o...
by drawpoker
Fri Oct 11, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: 2020 Social Security COLA will be 1.6%
Replies: 13
Views: 2003

Re: 2020 Social Security COLA will be 1.6%

Broken Man 1999 wrote:
Fri Oct 11, 2019 2:31 pm
Rumor has it the first tier of Medicare Part B monthly cost will increase from $135.50 to $144.30, an increase of $8.80/month.
SS increase will still cover.......
Don't overlook the Part B annual deductible. Rumor has it that is going up by 12 bucks ($185 to $197)
by drawpoker
Fri Oct 11, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 87
Views: 6042

Re: Vanguard keeps pushing their financial advisors...why?

Have noticed the uptick in these email ads too. They are becoming more numerous.

Also, same thing with their surveys (questionaires) they ask me to participate in.

Maybe a reason the come-ons for the advisors keep flooding in - I gave some dumb answers on the surveys.... :oops: :shock:
by drawpoker
Wed Oct 09, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Married with Separate bank accounts
Replies: 44
Views: 3521

Re: Married with Separate bank accounts

Hmmm. Just how long have you been married? A month? 6 months? It is her money, not your's. As you acknowledge. If she feels comfortable doing it this way, that's her business. She is an adult. Unless she asks you for investment advice - my advice is for you to keep your mouth shut.
by drawpoker
Wed Oct 09, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5590

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

Don't trust the Medicare site yet! It is full of goofs.

If you see a Plan that might suit you, click on the "Plan website" button and go directly there to check pharmacies, drug prices, tiers, etc.
by drawpoker
Wed Oct 09, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 2776

Re: POA Reimbursement

.....actually spent a lot of my own money on $100 flower arrangements on holidays and birthdays. I knew my mother didn't know I'd sent them or even what a flower was anymore..... Don't be so sure. She may have known on some mysterious level that dementia sufferers do reach from time to time. But ju...
by drawpoker
Wed Oct 09, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2598

Re: When to put on new roof?

--a roof is not something to skimp on, particularly because you can reasonably expect to get 20-30 years out of good architectural shingles..... Actually, architectural shingles are for the looks, the snazzy appearance people like. That is why they cost more. Architectural shingles are not going to...
by drawpoker
Wed Oct 09, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5590

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

Am *Bumping* this for the benefit of anyone who fails to recognize the significance of preferred cost sharing and standard cost sharing pharmacies within a Plan's network. Or, they realize it, but fall victim to some company's sneaky way of changing the designation according to whether you buy their...
by drawpoker
Wed Oct 09, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 2776

Re: POA Reimbursement

You left off a decimal. For the people looking it up now it is Chap. 11.125 RCW
by drawpoker
Wed Oct 09, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 2776

Re: POA Reimbursement

NotWhoYouThink wrote:
Wed Oct 09, 2019 11:56 am
Not money Medicaid would pay, but payments they would not count as gifts.
Very, very slippery slope. Definitely need advice of elder care attorney on that.
by drawpoker
Wed Oct 09, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

You might tackle it this way: if your income were cut in half, what spending would/could you give up? Ouch. :shock: That is not very likely, is it. You must play tackle for the Redskins. Or Dolphins. :P A better approach would be - If the value of your portfolio was cut in half (like in 2008) what ...
by drawpoker
Wed Oct 09, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 2776

Re: POA Reimbursement

It is not the POA activities OP was really asking about, it is the caregiving activities. But the POA can decide whether those services should be compensated. Different family dynamics and individual circumstances will come into play, but Medicaid has recognized family provided care as a valid expe...
by drawpoker
Wed Oct 09, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 2776

Re: POA Reimbursement

If I was in a position to be providing a significant level of care for either of my parents, I think it would be very reasonable to expect to be compensated. Are you a doctor? Nurse? Seems like managing financial affairs is a whole lot different that "providing significant level of care " :?:
by drawpoker
Wed Oct 09, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

.....could be more helpful if you posted not just your expenses but your complete financial picture (investments and retirement income streams). Also helpful would be his state of residence. To get a better handle on health insurance costs. Unless he is domiciled in one of the Medicare hellholes - ...
by drawpoker
Wed Oct 09, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2598

Re: When to put on new roof?

If asphalt singles, ideally do it when temperatures are above 40F, that way the shingles will set/bond properly and less chance of shingles cracking or breaking while being nailed in..... That is correct, for asphalt shingles to cure properly you want moderate outside temps, not too hot or too cold...
by drawpoker
Wed Oct 09, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4460

Re: Would or should you tip AAA road assistance?

....is this confusing. Perhaps someone can write the "Definitive Book of Modern Day Tipping" ...... Well, some say Emily Post would be the authority on that. But, apparently her porch light has gone out. She writes that an appropriate tip for the restroom attendant at ritzy places is "fifty cents t...
by drawpoker
Wed Oct 09, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 2776

Re: POA Reimbursement

I think cheese_breath has stated the case very well, bravo. If you are POA for a loved one it seems somewhat distasteful to expect to be paid just for your time. Being reimbursed for purchases paid for out of your own pocket for some reason is different. But, if the POA is in such dire circumstances...
by drawpoker
Tue Oct 08, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Asset protection
Replies: 34
Views: 2940

Re: Asset protection

As a licensed professional, you cannot protect your assets against negligence. You can (in theory) insure against that. All of your assets could be seized by a court to pay for damages due to negligence. True, but this needs clarification. Assets can be seized if a court award for damages exceeds t...
by drawpoker
Tue Oct 08, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 2776

Re: POA Reimbursement

I reimbursed myself for anything I purchased directly for her use......I kept a monthly spreadsheet of all expenses and income.... Not quite understanding why you did it this way. Maybe the laws in Wash state are different? How did you reimburse yourself, by writing out checks payable to you? Here,...
by drawpoker
Tue Oct 08, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4460

Re: Would or should you tip AAA road assistance?

....... tipping in the context of counter-service fast food, catering, movers, coffee-shop cashiers and baristas, kids' birthday party hosts, guides, buffets, interior designers, pet sitters, dog kennels, HVAC installers, hotel rooms, cruise ships, rain gutter installers, nail salons, painters, con...
by drawpoker
Tue Oct 08, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 5632

Re: Social Security Card as Identification for Real ID

Still didn't answer my :?: Calif just has branch offices for DMV matters, no mobile vans that serve the outlying areas? As a convenience for its taxpayers? Well the taxpayers would pay for that convenience! If people choose to live in the sticks, they'll have to do some driving..... BTW - MD fits i...
by drawpoker
Tue Oct 08, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: POA Reimbursement
Replies: 48
Views: 2776

Re: POA Reimbursement

.....I take care of bills, errands, doctor appointments, etc.....I'm assuming that a reasonable fee is allowed. You seem to be lumping everything you do into one category deserving of compensation. Which, apparently, is not kosher. Yes, you are the only one who can pay bills (use money from her acc...
by drawpoker
Tue Oct 08, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 5632

Re: Social Security Card as Identification for Real ID

No wonder the state of Calif is busted fiscally . :wink: Instead of the expense of maintaining offices in rural parts of the state, don't you have the roving, mobile van that serves people in the sticks? Like we do in the Old LIne state? Not sure if this is tongue in cheek (referencing the emoji) o...
by drawpoker
Tue Oct 08, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Buying a house with in slab copper piping
Replies: 34
Views: 3816

Re: Buying a house with in slab copper piping

- a leak in a slab could go on for a long time without you knowing (might, in fact, already be going on) - only way to detect it would be an unexplained drop in water pressure........ Not so. A big spike in the water bill would be a good indicator. OP posted the house is on city, not well, water.
by drawpoker
Mon Oct 07, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5590

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

.....The state supplementary plan is called EPIC in NY. And you can sign up for EPIC at any time. Perhaps other states have something similar? Yes, they are called SPDAP's (Seniors Prescription Drug Assistance Program) They can be anything the state decides they want to do, there are no rules. In M...
by drawpoker
Mon Oct 07, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

Why even waste time trying to draw up a budget? Budgets are supposed to be for people who either don't manage money very well, or, have had some bad luck, faced unexpected high expenses and are in over their heads. So they go to some free financial counseling center and the worker throws up their ha...
by drawpoker
Mon Oct 07, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Keeping fleas out of the house
Replies: 21
Views: 1319

Re: Keeping fleas out of the house

..... some super flea collar. I did not believe the flea collar alone would be effective....if the dog has a good flea collar. Is $65 a pop good enough? That is what the new generation (Seresto) costs. Of course, it is good for 8 mo (at least on cats, not sure of doggies) I suppose you could pay le...
by drawpoker
Mon Oct 07, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 5632

Re: Social Security Card as Identification for Real ID

You can sometimes get next day appointments (or at least next week appointments) in rural areas of CA if you don't mind driving for 2 hours instead of standing in line most of the day. No wonder the state of Calif is busted fiscally. :wink: Instead of the expense of maintaining offices in rural par...
by drawpoker
Mon Oct 07, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5590

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

........and pick the plan that works for you at a pharmacy you would like to use...... Obviously you live in a big city, urban area. In rural areas the pharmacy you would "like to use" is likely not in many Plan offerings as a designated "preferred pricing" one in their network. :annoyed :annoyed
by drawpoker
Mon Oct 07, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

I'd agree that $600 a month on groceries for 2 people seems high if anything...... Oh, dear. :shock: Funny how things can be taken so differently :oops: I meant $600 a month for 2 was on the low side! After all, besides food, the catch-all term "groceries" also must include the other "stuff", toile...
by drawpoker
Mon Oct 07, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

At first I thought these projections were for a single. But I see OP references the pronoun "we" in several places, so now I have to assume this is a couple :?: $8,500 a year for "groceries, gasoline and clothes" works out to $708 a month. Even if you spend only $100 of that on gas for the car, and ...
by drawpoker
Mon Oct 07, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Plan F Future Pricing
Replies: 14
Views: 867

Re: Medicare Supplement Plan F Future Pricing

Nothing is sure. Money is not everything....... You betcha. Why waste time and energy fretting over What If scenarios? Call me crazy, but Who's to say that Plan G won't be the next one to go on the chopping block? I can easily see it. With a projected Part B deductible of $197 for next year (up fro...
by drawpoker
Mon Oct 07, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

No, cell phone service is NOT truly essential. Any phone, even without service will dial 911. Not true anymore. Years ago, people used to be asked to donate their old cell phones to domestic abuse shelters to give to women. Now, technology has changed so much, there are only a handful of cell phone...
by drawpoker
Mon Oct 07, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5590

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

First, get the terminology straight. It is Part D, not Plan D supplement. You need to speak knowledgably, otherwise, you will be easy pickings for slick, unethical insurance brokers. Of which there are plenty out there, eager to pounce on the senior market. I don't have to explain the reason why, do...
by drawpoker
Mon Oct 07, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

runner3081 wrote:
Mon Oct 07, 2019 3:33 pm
........One could argue that yes, phone and internet are essential.......
Oh? Phone, yes. Everyone needs the ability to call 911

Internet? Nope. Everyone can go to the public library and use it there for free
by drawpoker
Mon Oct 07, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Half of Retirees Afraid to Use Savings
Replies: 111
Views: 12080

Re: Half of Retirees Afraid to Use Savings

....Fear to spend comes from the feeling that we are unable to make money if we needed. Age discrimination, and our decline in health, skills, and energy makes feel unable to make money. The most difficult part of retirement is that it is a decision difficult to reverse. So once we spend the money,...
by drawpoker
Mon Oct 07, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Buying a house with in slab copper piping
Replies: 34
Views: 3816

Re: Buying a house with in slab copper piping

There are multiple failure modes. One is water chemistry inside the copper pipe which a sleeve won't protect against.... That isn't considered a risk for houses on city water. It is acknowledged as a potential for a problem for people with well water with high mineral content. High magnesium especi...
by drawpoker
Mon Oct 07, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: What are the essential and discretionary expenses in a retirement budget?
Replies: 110
Views: 6124

Re: What are the essential and discretionary expenses in a retirement budget?

I think the whole premise here is flawed. Essential and discretionary expenses are just that. Doesn't matter where you are in life, retired or still working. The nature of those categories don't change a whit :| For everyone who will jump in and say, what about costs of visiting the grandkids, buyin...
by drawpoker
Mon Oct 07, 2019 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Plan F Future Pricing
Replies: 14
Views: 867

Re: Medicare Supplement Plan F Future Pricing

.....researched Medigap supplemental plans for several months.......decision based on the best information available to me...if I'm wrong, I'm hoping my decision is no more than $50/month off....... Exactly. That's all any reasonable, intelligent person can do. To put more perspective on it - the w...
by drawpoker
Mon Oct 07, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Plan F Future Pricing
Replies: 14
Views: 867

Re: Medicare Supplement Plan F Future Pricing

..... No one knows the future of F...... Exactly. There has been alot of speculation, hand-wringing, sky-is-falling conjecture about what the future holds for existing Plan F customers. As for the OP's concerns, there are also a whole lot variables here to consider - Are you in a state that allows ...
by drawpoker
Sun Oct 06, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5590

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

I wouldn't consider it a "small" issue when you factor in that you would be paying a higher price for every single script you fill. Not just the "pricey" ones. If you mistakenly sign up for a Plan where the most convenient pharmacy for you is standard, not preferred, in the insurer's network. Ex: A ...
by drawpoker
Sun Oct 06, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Buying a house with in slab copper piping
Replies: 34
Views: 3816

Re: Buying a house with in slab copper piping

Are you absolutely certain the pipes were not wrapped in sleeves? My house is not circa '60's but 1979 and built on slab. Because of this potential problem - with the otherwise workhorse copper water supply pipes - many builders used the sleeves (esp. around the very vulnerable joints) to prevent co...
by drawpoker
Sun Oct 06, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 49
Views: 3295

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

Hope we keep this topic going until after Oct. 15th when new rates are published for all Part D plans. To clarify, the new rates (for 2020) have already been published (posted) to the websites. Albeit, with many errors and incorrect data. As is being noted here in the multiple threads going. The Oc...
by drawpoker
Sun Oct 06, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 5632

Re: Need for Real ID

..... MD has been issuing these for a while now without the back end document certification. Once I brought in the docs, they check off a box in the database which will keep me from being rejected at the AP. In addition, the MVA office should have given you a document called "Real ID Document Recei...
by drawpoker
Sun Oct 06, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 5632

Re: Social Security Card as Identification for Real ID

They won't accept a laminated SS card (I had considered laminating mine at one point to preserve it). Am glad to hear - although you considered a life of crime - :shock: you turned yourself around and did the right thing. Laminating SS card is against the law! The offenders should be punished sever...
by drawpoker
Sun Oct 06, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: More Nasty and Unexpected Changes With Part D Plans Next Year
Replies: 49
Views: 5590

Re: More Nasty and Unexpected Changes With Part D Plans Next Year

The zip code search box is a fiasco. According to the site, my favorite Costco Pharmacy no longer exists. There is no way to add it. Unbelievable. (or maybe not) About as bad as showing defunct pharmacies still in network. In comparing the various Humana plans for my area they are showing one drugs...