Search found 1619 matches

by drawpoker
Tue Jun 19, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 113
Views: 5274

Re: gray hair

Do you have any recommendations for the coloring products of 2018? Victoria Maybe a bit off-topic but today a friend was telling me what happened when she went for an MRI last month. Even tho she had removed all jewelry, didn't have dental work, wasn't wearing nail polish, no plates inserted from s...
by drawpoker
Tue Jun 19, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 113
Views: 5274

Re: gray hair

..... smart about what they needed to do to successfully find a private sector job. One point the instructor made was that we were all at the age when we were sprouting grey hair and that when job hunting grey=old...... Exactly the point. This is not all about vanity. With the progress that has bee...
by drawpoker
Tue Jun 19, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 69
Views: 2525

Re: Road trip Pennsylvania,Maryland,and DC

Oooops, read too fast, thought you were going direct from Philly to Washington.
No suggestions there :confused
by drawpoker
Tue Jun 19, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: New Ponzi scheme fiy
Replies: 5
Views: 1754

Re: New Ponzi scheme fiy

Sorry. Can't work up much sympathy for the victims here.

"guaranteed double-digit returns" ? C'mon, that should have been a red flag for anyone

Suggested new headline for this news article " "637 Fools & Their Money Parted"
by drawpoker
Tue Jun 19, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 69
Views: 2525

Re: Road trip Pennsylvania,Maryland,and DC

.....We are flying into Philly for sure. we will stay 2 or 3 nights.That leaves us 3 or 4 days until we drive into DC and return rental car.....So in those 3 or 4 days we would like to see Harpers Ferry,Gettysburg,Baltimore/Maryland,area and if possible a quick stop anywhere in Delaware to cross it...
by drawpoker
Tue Jun 19, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 113
Views: 5274

Re: gray hair

djpeteski wrote:
Tue Jun 19, 2018 2:05 pm
....except for my head of completely gray hair. Colored, I can pass for 38, natural 61. So I color.......
So, what are you really? About 73?
by drawpoker
Tue Jun 19, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 69
Views: 2525

Re: Road trip Pennsylvania,Maryland,and DC

Baltimore really gets a bad rap, especially these days. Millions visit the Inner Harbor every year. There is a large police presence. If you want to do Baltimore properly then buy a pass to the water taxi. It's the best way to get around. You can check out all of the Inner Harbor sites, ride over t...
by drawpoker
Tue Jun 19, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 69
Views: 2525

Re: Road trip Pennsylvania,Maryland,and DC

...think I want to check out Harpers Ferry now in addition to Philly and Baltimore....... Be very careful if you venture into the Inner Harbor area of Baltimore. If you want to see the national aquarium, do so only in daylight and stay within crowds. Be gone by dark. Crime is terrible in that area,...
by drawpoker
Tue Jun 19, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 69
Views: 2525

Re: Road trip Pennsylvania,Maryland,and DC

Minor correction: Easton, not Eastville, is the seat of Northampton County. Set your GPS for "Eastville" and you will end up way out of the way. You are thinking of Easton, MD, which is the county seat of Talbot County. Northampton County, Virginia " Northampton County is a county located in the Co...
by drawpoker
Mon Jun 18, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 69
Views: 2525

Re: Road trip Pennsylvania,Maryland,and DC

........ consider driving through the DelMarVa peninsula to Chincoteague, VA. Chincoteague is quite unique. . Yes, Chincoteague and the whole National seashore area would be good in early October, all the summer crowds gone. But, after seeing the wild ponies , art galleries, fishing boats - not muc...
by drawpoker
Mon Jun 18, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Idle debit/credit cards closed or downgraded?
Replies: 9
Views: 733

Re: Idle debit/credit cards closed or downgraded?

I don't think there is any common, or universal, policy in place among Mega Banks on how they handle this. Seems like they are all over the map. In the past few years, have had the following experiences with cards I haven't used. BOA - Abruptly cancelled a long-standing credit card without notice an...
by drawpoker
Mon Jun 18, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 69
Views: 2525

Re: Road trip Pennsylvania,Maryland,and DC

Confused here. If your ultimate destination is D.C., why would you use either Pittsburgh or Philly airport? Why not Dulles or BWI? If you fly in to Pittsburgh, you will have a long drive to the Amish country of PA which is centered around Lancaster County, far to the east. Same with if you wish to s...
by drawpoker
Sun Jun 17, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 5778

Re: Lost job. Take early SS or draw from accounts?

Once she loses her job and finds herself in greatly reduced circumstances, the Medicaid people use that, not her YTD earnings/income in calculating her eligibility. Perhaps "is eligible for unemployment at $405/week for 26 weeks. " impacts her ability to get Medicaid http://www.wnylc.com/health/ent...
by drawpoker
Sun Jun 17, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for BLS data on retiree health costs
Replies: 8
Views: 682

Re: Looking for BLS data on retiree health costs

This whole subject is so state-specific, so enormously dependent on where you live, that I wonder just how much value BLS data would be. If it is all just thrown together to assemble national averages. Ex: In 2016, If you lived in Manhattan and wanted Plan F you might pay $444 a month; if you were i...
by drawpoker
Sun Jun 17, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security advice needed
Replies: 28
Views: 1903

Re: Social Security advice needed

Definitely reconsider your opposition to waiting until age 70. As others have pointed out, the advantages far outweigh the disadvantages. Given your description, you don't actually "need" the money at age 62 to pay current living expense, do you? Even tho you sold your business, can't you continue t...
by drawpoker
Sun Jun 17, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 5778

Re: Lost job. Take early SS or draw from accounts?

......Medicaid: She will have too much income this year to qualify...........When I found out she pays $80/mo for her cell, I suggested she switch to a low cost provider (we pay $15/mo for unlimited talk and text and 2 GBs of data), but she can't because she's under contract because she purchased h...
by drawpoker
Sat Jun 16, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24249

Re: Concierge medicine Worth It????

According to the Wiki entry on MDVip business model - on a $1,650 bite the physician has to give MDVip $500 of that, per year, per patient. I guess on the other tier, the $2,300 bite, the doc pays more to MDVip. Dunno. For the poster who speculated she could get by and never bill an insurance compan...
by drawpoker
Sat Jun 16, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Lost job. Take early SS or draw from accounts?
Replies: 54
Views: 5778

Re: Lost job. Take early SS or draw from accounts?

Age: 63..... She will need to buy healthcare....... Maybe not. Is your state one of the ones that adopted Medicaid expansion? If so, means-testing was removed, she will qualify for full Medicaid as they now go strictly by monthly income, she can have a ton of money in both retirement and taxable ac...
by drawpoker
Sat Jun 16, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24249

Re: Concierge medicine Worth It????

I wonder if anyone who has signed up for "concierge medicine" has been able to offset any of the annual fee with other savings? Interesting you ask that! Yes, I might benefit. Maryland is one of the states that removed all means testing for food stamps, they go strictly by monthly income. People ov...
by drawpoker
Fri Jun 15, 2018 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs based on 1986 life expectancy versus today?
Replies: 23
Views: 1951

Re: RMDs based on 1986 life expectancy versus today?

........ (and I have at least 6 years to go before RMDs start.) I say "at least" because I may work part-time indefinitely at my current employer, which further delays RMDs and also allows more time for gradual additional Roth conversions........ Oh, boy. Now I am really confused. :? I thought the ...
by drawpoker
Fri Jun 15, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 215
Views: 24249

Re: Concierge medicine Worth It????

*** B U M P *** Bringing this thread back up because yesterday received doc's letter informing me she has joined MDVip. Cost will be $1,650 a year, have until Sept 27 to make up my mind. Also contained the dire-sounding warning that this is being done first-come, first served, once she reaches "capa...
by drawpoker
Thu Apr 27, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: 7 car noises you should never ignore
Replies: 23
Views: 4560

Re: 7 car noises you should never ignore

The warning about "squealing" brakes might alarm people who don't know certain models (wheel designs) of cars are more prone to accumulating brake "dust" which also causes loud squeals. My Honda Accord is particularly good at this, esp when backing out my driveway in reverse. That tells me it is tim...
by drawpoker
Wed Apr 26, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1433

Re: How to find a good local mechanic?

Hmmm. You do know, don't you, that Yelp was exposed publicly a few years ago, and suffered some real damage thru subsequent lawsuits, for their fake and phony "reviews' they were posting? A number of lawsuits resulted from Yelp's business practice of pulling (deleting) positive reviews of businesses...
by drawpoker
Wed Apr 26, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 4086

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

.... suppose it is possible that there was such a clause .....Now it could be that if my mother had claimed she'd run out of money and that it was due to gifting that there could have been an issue then.... Yes. A big issue. Most of these non-profit CCRC places that have affiliation with one religi...
by drawpoker
Wed Apr 26, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1433

Re: How to find a good local mechanic?

[quote="anil686"]... have a AAA membership and have thought about looking at their approved mechanic list ....[quote] Be careful with AAA. Don't know about Texas but around here AAA-Mid-Atlantic has really gone downhill. For years the designated AAA Road service garage was an actual honest and compe...
by drawpoker
Wed Apr 26, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 4086

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

....For several reasons the nursing care unit proved to be intolerable. He was miserable. My brother found another facility which appeared to be better...... They determined that he could function OK in the assisted living unit. He was happy again...... Oh, boy, can I relate to this one, artthomp :...
by drawpoker
Wed Apr 26, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 4086

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

Many people view CCRCs as a substitute for LTCI. Like insurance, you pay a pile of money up front based on the promise that you'll be taken care of affordably down the road. The early-comers were getting a pretty good deal because the promises could be kept. But as the herd piles in and the corpora...
by drawpoker
Tue Apr 25, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Are CCRCs a good deal? [Continuing Care Retirement Community]
Replies: 30
Views: 4086

Re: Are CCRCs a good deal? [Continuing Care Retirement Community]

Look at this from the investment aspect of it. At least if you are asking - Are they a good deal? Most of these places say if one spouse is at least 62 years old they are eligible for the buy-in. So, to max out your initial investment (the entry fee) it would be best to go in as soon as eligible (be...
by drawpoker
Tue Apr 25, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 6892

Re: $300+ to remove a racoon. Really?

Anyone trying to trap a raccoon needs to be careful. They may look like cute gentle creatures but they get a nasty temper when trapped and will bite. That is why the humane traps have an emergency release door at one end. I have been trapping feral cats for TNR work for years and we get the occasio...
by drawpoker
Sun Apr 23, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 10405

Re: Removing a tree - expensive!!!

Don't forget some other possible expenses involved here. Esp. if you live in a designated "Tree City" or some similar "green" type ordinances. Ex: here in next-door to you Md - I was required to obtain permission from the town first. Ordinance does not allow any trees to be removed unless they are c...
by drawpoker
Mon Apr 17, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Stunning Increase In Homeowner's Ins Premium
Replies: 27
Views: 5852

Re: Stunning Increase In Homeowner's Ins Premium

Hartford Insurance is famous for this stunt. Luring people in with low-ball quotes than raising them outrageously a couple years later. Because of the AARP tie-in (just like with UHC there is the b.s. hype "isn't it great to do business with a name you can trust" ! there are regularly tons of compla...
by drawpoker
Sat Apr 08, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 3705

Re: Cold weather family summer vacation ideas

Mackinac Island.
Beautiful, no cars allowed, you take the ferry over.
Frost overnight on Memorial Day weekend not unusual. Daytime temps in July-Aug rarely exceed 75 degrees.
by drawpoker
Sat Apr 08, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 6291

Re: Avoiding shafting my local merchants with card fees

I always assume the "cash discount" is code for "we'll give you a discount because I'm putting this in my pocket and not paying taxes on it." I think that is a bit extreme. There is a very large, long-established furniture place in our town that regularly advertises prices with the notation "5% off...
by drawpoker
Sat Apr 08, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 12340

Re: Designing Your Life

2015 wrote:

..... there is much more to life than gazing at your own naval. .....
That's exactly what I have been thinking of saying.

Only I was going to say navel

Not naval. :wink:
by drawpoker
Fri Apr 07, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 12340

Re: Designing Your Life

Hmmmm.

Soooo, in other words, this thread here "Designing Your LIfe" can only have actual relevance to the forum by re-directing everyone to, er, um, other threads?

Still, not getting it :?:

Just call me Dumb & Dumber, I guess... :wink:
by drawpoker
Fri Apr 07, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Designing Your Life
Replies: 83
Views: 12340

Re: Designing Your Life

I don't get it.

What does this have to do with personal finance?

Guess I am just dense. Or dumb.

Please advise what I should be doing to design my life for optimal financial well-being..... :?: :?:
by drawpoker
Thu Apr 06, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 6291

Re: Avoiding shafting my local merchants with card fees

@ nyc10036 "Cash" is generally construed as the same as "Good check" ( a term you see a lot at auctions, foreclosure sales, etc) Meaning, the merchant can take that check instantly to the bank and get their money. I actually had an old guy a couple years ago to mow my lawn. Sure enough, the old goat...
by drawpoker
Thu Apr 06, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 6291

Re: Avoiding shafting my local merchants with card fees

Timely thread here. Have arranged for a small home improvement project this month with a local business. After the rep came out, surveyed what was to be done, cost of materials, etc. , she phoned back with a quote. Then, without me having to ask, she offered a discounted price if I paid in cash inst...
by drawpoker
Thu Apr 06, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: When to enroll in Medicare?
Replies: 17
Views: 1883

Re: When to enroll in Medicare?

This is the best, most detailed, and clear explanation I have found of the whole subject of when, and just exactly how so as to avoid mistakes, enrolling in Medicare when you plan to work past age 65 and your employer offers a HSA. https://www.medicareinteractive.org/get-answers/types-of-medicare-ad...
by drawpoker
Thu Apr 06, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1832

Re: Retirement Age Scenarios (What looks best)?

For the record, the worst performance was a recovery that took almost 6 year (1970's). For the record, worst performance was it took 25 years for the Dow to recover its 1929 high. Aug 24, 1921 to Sept 3, 1929: Up 497% Sept 3, 1929 to July 8, 1932: Down 89% Source, WSJ Market Data Group; "The New Yo...
by drawpoker
Wed Apr 05, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of 'Savings'?
Replies: 25
Views: 2234

Re: What is your definition of 'Savings'?

[quote="Grt2bOutdoors".....I cling to the belief that if I buy equities or bonds when they are drastically marked down I am enjoying some sort of "savings" even if I don't need (not actually true) to accumulate it. :D[/quote]

Those aren't "savings"

That is "strategy"

:wink:
by drawpoker
Wed Apr 05, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of 'Savings'?
Replies: 25
Views: 2234

Re: What is your definition of 'Savings'?

To get down to brass tacks - Here is an example of "savings" - Saks has a dress I like that is marked down from $200 to $100. The ad screams " Save $100! " Now, if I buy the dress, have I "saved" $100? No. I spent $100 If I don't buy the dress, have I just "saved" $100 ? Well, yes and no . Depending...
by drawpoker
Wed Apr 05, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1832

Re: Retirement Age Scenarios (What looks best)?

Well, that is a very odd chart, isn't it. At least they are honest, showing the 10% to 20% range. Aren't listing the 20% and higher stuff. So as not to frighten the faint-hearted, eh, maybe? Right off, I saw it doesn't list some of the scarier roller coaster rides I have been on. Like Oct 19, 1987, ...
by drawpoker
Wed Apr 05, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Age Scenarios (What looks best)?
Replies: 17
Views: 1832

Re: Retirement Age Scenarios (What looks best)?

What jumps out at me - the projections you have made for your investments (401-k and taxable) five years from now. When you are age 50. Do you honestly think the present eight year bull is going to continue? What is your asset mix in the 401-k? The present bull is not the longest in history, true. B...
by drawpoker
Wed Apr 05, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: BH Divers: Liveaboard recommendations
Replies: 24
Views: 1896

Re: BH Divers: Liveaboard recommendations

Oooops, got it now :oops:
by drawpoker
Wed Apr 05, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 3765

Re: Medigap Plan F Increases

http://www.naic.org/documents/committees_b_senior_issues_exposure_medigap_plans_sold_after_200101.pdf This is one of the comprehensive docs I found online. Bill text is clear too (4) Treatment of references to certain policies.--In the case of a newly eligible Medicare beneficiary, except as the Se...
by drawpoker
Tue Apr 04, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 3765

Re: Medigap Plan F Increases

Yeah plan f will go away and everyone's new best friend will be plan g and plan f hd will become plan g hd (new thing starting 2020) so a deductible of 183$ for all plans offered. No biggie. No biggie? will become plan g-hd? new thing starting 2020? Yes, it has been brought up, but to my knowledge,...
by drawpoker
Tue Apr 04, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 3765

Re: Medigap Plan F Increases

Maybe I don't really understand what medical underwriting is. To get Medicare B, I worked with SS. To get AARP Medigap F, I had to answer a whole lot of questions. This was administered by the Medicare Health Exchange. I had to do a voice signature. I was sent a copy of my answers by UHC AARP. I as...
by drawpoker
Tue Apr 04, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan F Increases
Replies: 37
Views: 3765

Re: Medigap Plan F Increases

....am just playing with numbers to see piece together the whole picture. Please let me know if I left anything out. 1 ......+ Medicare Supplement Plan F - high deductible (about $76/month) ..... 2 ....Minimum alternative... ...... ride out prescription costs and no-limit out of pocket As for #1 - ...