Search found 2226 matches

by drawpoker
Thu May 16, 2019 11:53 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3922

Re: Instant Coffee?

Try different brands to see what you like. Nescafe, Tasters Choice, Folgers, etc. Many come in small containers. Um, don't think the OP is going to be actually trying any brands. At least not for taste test. He isn't a coffee drinker. Remember? "I am not a coffee drinker, but occasionally I want to...
by drawpoker
Thu May 16, 2019 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card - 0% APR for 18 Months
Replies: 17
Views: 1901

Re: Fidelity Credit Card - 0% APR for 18 Months

.......Fidelity Card for my remodel purchases and do a minimum payment and get this 0%APR for 18 months and invest the money instead in Vanguard MMM yielding 2.5% ?.......Catches by Fidelity with this promo ? I wouldn't call it a "Catch", but it is hidden in the fine print. In order to get the full...
by drawpoker
Tue May 14, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3922

Re: Instant Coffee?

Really dating yourself here, Kenkat, aren't you.... :P :P :P :P

Or, did you recently watch that great oldie movie "Airplane"..... :P :P :P :P
by drawpoker
Tue May 14, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3922

Re: Instant Coffee?

It is just a general question about instant coffee. I never drink any of it, so I have no first hand knowledge. [/quote] "I am not a coffee drinker, but occasionally I want to serve it to others" Just a general question? Then why bring up the issue of serving it to your guests :?: :? The way you ph...
by drawpoker
Tue May 14, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3922

Re: Instant Coffee?

.....occasionally I want to serve it to others........ To start - just who are these "others" you want to offer coffee to? People who just drop in unexpectedly, without notice, and you feel as host you must be gracious and offer beverages? Heck no, if these are the "others", they deserve nothing sp...
by drawpoker
Thu May 09, 2019 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Starting SS question
Replies: 14
Views: 1506

Re: Starting SS question

If you apply in the year you turn 70, DRCs earned in prior years will be included in your initial benefit. The DRCs earned in the year you turn 70 will be applied in the month you turn 70. https://www.ssa.gov/OP_Home/cfr20/404/404-0313.htm Yes, that is exactly how my experience is turning out. What...
by drawpoker
Thu May 09, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Social Security pushing retroactive benefits?
Replies: 32
Views: 3665

Re: Why is Social Security pushing retroactive benefits?

You have two places where you can indicate that you do NOT want any retroactive benefits. I used both and borrowed wording from a previous BH post on this subject. Never got a call or letter asking about whether I wanted retroactive option. Determination letter -- which was a long time coming -- ha...
by drawpoker
Wed May 08, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 26
Views: 3740

Re: Remind me why we have Medicare supplement

.....do taxes for low income seniors.......... Every once in a while I even get people who have no Part B and only Part A (they are very low income). They will resort to Medicaid if things get dicey. They really have no other choice. Are these folks sure they aren't already qualified for Medicaid (...
by drawpoker
Wed May 08, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Starting SS question
Replies: 14
Views: 1506

Re: Starting SS question

Delayed retirement credits are prorated by month........... Yes. It took a ridiculously long amount of time :shock: from the time I requested - around 12 weeks - but finally received from my regional SSA office a print-out of what they call the matrix for old-age benefits. This is the Big Deal, giv...
by drawpoker
Tue May 07, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 26
Views: 3740

Re: Remind me why we have Medicare supplement

......Tell your friend that forgoing Part B coverage now will hit her with a lifetime excess charge oenalty...... Same with Part D drug coverage. I don't believe the OP's friend was considering not signing up for Parts A and B Medicare when eligible; I took it to mean the friend was balking at payi...
by drawpoker
Mon May 06, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans: Premiums or Rating Method?
Replies: 23
Views: 1358

Re: Medigap Plans: Premiums or Rating Method?

Rebuttals are permitted :wink:
by drawpoker
Mon May 06, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 26
Views: 3740

Re: Remind me why we have Medicare supplement

montanagirl wrote:
Mon May 06, 2019 12:47 pm

My friend's SO has no assets, .........
Yikes. In addition to counseling her on Medicare coverage, maybe a heart-to-heart about dumping this B.F. might be in order? :oops:
by drawpoker
Mon May 06, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans: Premiums or Rating Method?
Replies: 23
Views: 1358

Re: Medigap Plans: Premiums or Rating Method?

I've been concerned also about that Guaranteed Issue/Open Enrollment situation where you're accepted at 65 but if changes down the road lose that automatic standing and might need underwriting. That's why I am TRYING to select carefully at the get-go! .......My agent said ........And/or contact SHI...
by drawpoker
Mon May 06, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 26
Views: 3740

Re: Remind me why we have Medicare supplement

Yes, your friend is flirting with danger. Maybe this will sink in. Surgery can be minor or major stuff, but even the simple stuff, if it involves a hospital admission, Friend with no supplement (or in MA plan) will be hit with the Part A (hospital) deductible, presently $1,364 Be sure and remind her...
by drawpoker
Mon May 06, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Where do you shop to get best deal for home appliance/electronics?
Replies: 22
Views: 1878

Re: Where do you shop to get best deal for home appliance/electronics?

Any big-ticket items are bought (in person) in Delaware. No sales tax :D
But now that HHGregg went belly-up :( I don't know which store :?
by drawpoker
Mon May 06, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Will vs POD?
Replies: 16
Views: 1828

Re: Will vs POD?

" From an estate tax perspective, wouldn’t the value of the estate include IRAs with named beneficiaries, POD accounts, and any other asset that has similar titling?" Yes. The size of a taxable estate is completely independent of what is subject to probate. One has nothing to do with the other. [/q...
by drawpoker
Sun May 05, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Will vs POD?
Replies: 16
Views: 1828

Re: Will vs POD?

.....If you want to be buried in a nice place make sure you have that planned and sufficient assets in the probate estate to pay for it..... Well, even if you don't care and end up buried in a crummy place - you need to leave enough in your estate to pay a) Executor's fee (usually based on a percen...
by drawpoker
Sun May 05, 2019 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans: Premiums or Rating Method?
Replies: 23
Views: 1358

Re: Medigap Plans: Premiums or Rating Method?

Things are looking up :)
Physicians Mutual in Wisconsin also sells Medigap issue-age rated (Pg 68) on the chart.
Same for Thrivent Financial for Lutherans (Pg 99)
by drawpoker
Sun May 05, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Class action lawsuit against health care insurance company
Replies: 4
Views: 1222

Re: Class action lawsuit against health care insurance company

This is the best article about this evolving issue I have found: https://www.mofo.com/resources/news/new-procedures-under-hipaa-for-disclosure-of-protected-health-information-in-judicial-and-administrative-proceedings.html It may have been good when it was published. But, now 17 years later, I imag...
by drawpoker
Sun May 05, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans: Premiums or Rating Method?
Replies: 23
Views: 1358

Re: Medigap Plans: Premiums or Rating Method?

Actually my comment was meant for OP in support of yours. Just tack my sentence onto the end of yours. There is no point here in debating Plan F here. Tack this on instead. Didn't you notice the OP phrased it - considering the one "like F"? Because in Wisconsin, there is no F, G, N, et al. Wisconsi...
by drawpoker
Sun May 05, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans: Premiums or Rating Method?
Replies: 23
Views: 1358

Re: Medigap Plans: Premiums or Rating Method?

Scrolling thru your state list here, I did find the 1st issue-age Medigap insurer on Pg 29
. (There may be more, I stopped there to post the link)

https://oci.wi.gov/Documents/Consumers/PI-010.pdf
by drawpoker
Sun May 05, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans: Premiums or Rating Method?
Replies: 23
Views: 1358

Re: Medigap Plans: Premiums or Rating Method?

Before you give up and sign with UHC or Anthem, do a thorough search to see if any of the insurers in Wisconsin offer Medicare supplements based on issue-age. They are becoming harder and harder to find, but if you can latch on to one, that is the #1 choice in terms of saving you money over the long...
by drawpoker
Sun May 05, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: House Hunting Duration: 10 Months Too Long?
Replies: 16
Views: 1847

Re: House Hunting Duration: 10 Months Too Long?

Have you checked your assessment to make sure you aren't paying real estate taxes on these amenities you do not have? Some of Zillow's data comes from local assessors, and if you assessor thinks you have a garage and fireplace, they are probably taxing you on them. Nope, that's not it. The assessor...
by drawpoker
Sat May 04, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: House Hunting Duration: 10 Months Too Long?
Replies: 16
Views: 1847

Re: House Hunting Duration: 10 Months Too Long?

........ Zillow.... Don't trust everything you see on Zillow. At least in our area there are numerous mistakes. For ex, Zillow insists my house has both a garage and a fireplace. :shock: (It has neither) I have seen many, many other goofs in their so-called "data" about other houses nearby.
by drawpoker
Tue Apr 30, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 8514

Re: Retirees: I'm not going to run out

MarkRoulo wrote:
Mon Apr 29, 2019 7:13 pm
.....California public school teachers, as an example, don't pay into Social Security and are not covered by it.
Majority of jobs for the city of Chicago, also, are civil service positions with a pension, no Social Security eligibility.
by drawpoker
Mon Apr 29, 2019 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: I'm not going to run out
Replies: 62
Views: 8514

Re: Retirees: I'm not going to run out

.....With the existence of social security one just has to adjust ones spending to subsist. I do AARP taxes and see many people that live on that alone........ Yes, but please caution those folks who have pets. Don't linger too long in the cat food aisle at the supermarket. Recently, I did just tha...
by drawpoker
Mon Apr 29, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much is a good insurance agent worth to you?
Replies: 20
Views: 1234

Re: How much is a good insurance agent worth to you?

....... works exclusively for one insurance company. So, basically, what you are saying is that your elderly parents have been with the same insurer for 20 years. right? The fact that the local agent for this company happens to be bi-lingual - that makes the old folks happy is the draw, right? Base...
by drawpoker
Mon Apr 29, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 73
Views: 6107

Re: out of network emergency visits. Huge bill!!!

.....may have involved an ambulance ride in an out of network ambulance........... Out of network ambulance? You're joking, right? Ambulances are summoned by calling 911. Depending on which units are in service at the time, a responder could be anything from the local rescue squad, F.D. paramedics,...
by drawpoker
Mon Apr 29, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much is a good insurance agent worth to you?
Replies: 20
Views: 1234

Re: How much is a good insurance agent worth to you?

... When we moved to a new area for job relocation I found a local independant insurance company to shop for us auto, home and umbrella insurance. I found them invaluable to find us a good price without having to spend time....... Same here. Altho it wasn't due to moving to new area. Rather, it was...
by drawpoker
Sun Apr 28, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Fencing
Replies: 8
Views: 1084

Re: Fencing

Before you get carried away with the various fencing styles - better do 2 things first. #1 Check to see if your deed has any restrictive covenants on fences. My subdivision doesn't have an HOA, but the deeds carry restrictions similar to HOA types. Written into perpetuity regulating fences, commerci...
by drawpoker
Sun Apr 28, 2019 1:05 am
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8274

Re: What are the cons of always being a one parent working household?

Does/will the SAHP have 40 quarters paid in to be eligible for Medicare? A non-working spouse doesn't need 40 quarters; he/she is automatically eligible for Part A coverage (free) through the earnings of working spouse. Everyone, regardless of work history, has to pay the monthly Part B premiums, s...
by drawpoker
Sun Apr 28, 2019 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Second home - high property tax
Replies: 4
Views: 857

Re: Second home - high property tax

........Mostly indifferent to which state I will declare as legal residence...... I imagine this is because both have no state income tax, right? That's good, but maybe you are too focused on the whole issue of property taxes. Once you hit 65, are retired, and, presumably, will be going on Medicare...
by drawpoker
Sun Apr 28, 2019 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4882

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

Why do you suppose the majority of people hate/dread to learn about money/investing.........the retirement crisis looming, it seems like our civic duty to help the people we care about....a market for the book, "Dude, here's why you should care about money." ... There is no big mystery here. If kid...
by drawpoker
Sat Apr 27, 2019 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is ACH Billpay risky?
Replies: 41
Views: 3085

Re: Is ACH Billpay risky?

.......[*]Credit cards: Always pull, ........ Same here. Reason being, after scheduling a payment, I get that reassuring email a few minutes later (except with my new Fidelity Visa Card :annoyed ) confirming all detail of scheduled payment. IF, somehow they screw up, pull the $$ late, I can get off...
by drawpoker
Sat Apr 27, 2019 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Second home - high property tax
Replies: 4
Views: 857

Re: Second home - high property tax

Have you owned the FL house for at least 25 years? Is it valued at less than $250,000? Depending on your income, and just what county the house is in, sounds like you might be eligible for some kind of relief if you declare the FL house your primary residence after retiring. (Of course, this probabl...
by drawpoker
Sat Apr 27, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with this car?
Replies: 7
Views: 845

Re: What to do with this car?

I would like to donate it to someone who really needs it but am wary of potential future liabilities if something happens due to faults in the car. That is pretty far-fetched, isn't it? Wouldn't you be making the donation based on the car is in "as is" condition? Meaning, no warranties or guarantee...
by drawpoker
Fri Apr 26, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Eggs in One Basket?
Replies: 22
Views: 2954

Re: Eggs in One Basket?

....am mid 70’s............When it comes to financial health, my ideology is not to put all your eggs in one basket....... We're close (am turning 70) in age. So, think we may have some shared memories here. Of how things just ain't what they used to be. In my (our) lifetimes have seen things in th...
by drawpoker
Fri Apr 26, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is This Typical SSA Screw-up, or Cause for Alarm?
Replies: 22
Views: 2505

Re: Is This Typical SSA Screw-up, or Cause for Alarm?

.....SSA is just now working through the backlog from the month long shut down.....applied 8Nov18 for benefits to start 1Jan19. My application was approved yesterday. Oh, Jeez almighty. Thanks, er, I guess, for sharing that :( As far as the gumbmint shutdown, my understanding was that SSA was one o...
by drawpoker
Thu Apr 25, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do Joint Accounts Matter if Spouse Stays Home with the Kids?
Replies: 31
Views: 2328

Re: Do Joint Accounts Matter if Spouse Stays Home with the Kids?

"Physicians are known to put most things in their wife's name to give some sort of asset protection...." _______________________________________________________________________________________________________ Really? Thought-provoking stuff here. Where does that leave the women physicians? Who happ...
by drawpoker
Thu Apr 25, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do Joint Accounts Matter if Spouse Stays Home with the Kids?
Replies: 31
Views: 2328

Re: Do Joint Accounts Matter if Spouse Stays Home with the Kids?

..... Why does it matter if accounts are joined or separate? I have established my spouse as the 100% beneficiary on my 401k, Roth at Fidelity, etc. so I am good there. My spouse is now staying home with the kids, so we don't have the competing thing like her money my money type situation keeping t...
by drawpoker
Wed Apr 24, 2019 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap - Can I Cancel and Get new policy during 6-month enrollment period?
Replies: 6
Views: 533

Re: Medigap - Can I Cancel and Get new policy during 6-month enrollment period?

Thanks, but I believe the Open Enrollment period for Medigap Supplemental insurance is 6 months, and begins on the first effective date of a person's Medicare coverage......People typically confuse the 7 month Medicare window and the 6 month Megigap Supplemental window. Yup, they sure do. In spades...
by drawpoker
Wed Apr 24, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap - Can I Cancel and Get new policy during 6-month enrollment period?
Replies: 6
Views: 533

Re: Medigap - Can I Cancel and Get new policy during 6-month enrollment period?

No, sorry, my use of terms was incorrect and confusing. I am familiar with the 7 month "Guaranteed Issue" and the 6 month "Open Enrollment" windows........ Er, um, except, you have it ax backwards - "Guaranteed Issue" , by definition, is a window with no defined time. "Open Enrollment" consists str...
by drawpoker
Wed Apr 24, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance and Medicaid Eligibility (New York)
Replies: 8
Views: 428

Re: Life Insurance and Medicaid Eligibility (New York)

Whenever your income changes, you are expected to report the change ASAP, not wait until tax filing.....Report income and reason (one time only), and let them make the determination. Thanks for pointing that out, I meant to, then forgot :? Yes, it is very important for the OP's family member to fol...
by drawpoker
Wed Apr 24, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance and Medicaid Eligibility (New York)
Replies: 8
Views: 428

Re: Life Insurance and Medicaid Eligibility (New York)

He is under 65. Would the $30,000 count towards his income? If he becomes ineligible because of this, when does it go into effect? I'm assuming unless he reports it, SSA won't find out until he reports it on his taxes next year? Anyone know if he'll still be covered even if he exceeds the income li...
by drawpoker
Wed Apr 24, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Financial planning for the ill informed
Replies: 35
Views: 3099

Re: Financial planning for the ill informed

"I am over the top burned out in education....." _________________________________________________________________________________________________ Well, if your field is education, and you are unhappy, how could this idea possibly work for you? Holding seminars for the purpose of disseminating info...
by drawpoker
Wed Apr 24, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 112
Views: 22489

Re: Wells Fargo

Oh, heck, what's a billion here, $185 mil there, just chump change, right? Besides, to err is human, and it is our Christian duty to forgive, right? :wink: :wink: https://www.npr.org/sections/thetwo-way/2018/04/20/604279604/wells-fargo-hit-with-1-billion-in-fines-over-consumer-abuses Putting it on a...
by drawpoker
Wed Apr 24, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap - Can I Cancel and Get new policy during 6-month enrollment period?
Replies: 6
Views: 533

Re: Medigap - Can I Cancel and Get new policy during 6-month enrollment period?

If I am understanding you correctly - You can stay on your retiree plan coverage indefinitely, you are not restricted to six months. The six month (actually it is 7 months, 3 months before your birthday, your birthday month, and the 3 months following) window you refer to is "open enrollment". So, y...
by drawpoker
Wed Apr 24, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Lifestyle creep
Replies: 73
Views: 7494

Re: Lifestyle creep

.... ran some numbers, and year to date my annualized lifestyle cost is up over 20% from last year. I’m on pace to spend $33,000 this year, up from $27,000 last year...... Okay, you can account for $2,000 of it. The vacation. You are projecting expenditures to be $6,000 up from last year. This isn'...
by drawpoker
Wed Apr 24, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance and Medicaid Eligibility (New York)
Replies: 8
Views: 428

Re: Life Insurance and Medicaid Eligibility (New York)

OP, is this family member under 65, or over 65? The Medicaid rules (for assets/resources) are different for each group in NY since they adopted expansion. If he is under 65, there is no limit, it goes strictly by his income If he is over 65, he is not only on Medicaid but his considered a "dual elig...
by drawpoker
Tue Apr 23, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 34
Views: 2985

Re: Home Owners Insurance - 40 percent increase

............State Farm offers a loyalty discount, so the rates go down if you stay with them. State Farm does not use price optimization, so there's no effect from staying with State Farm for a long time.... Absolutely, totally, completely un-true. Really, really, false information. Snake Farm is n...