Search found 400 matches

by clip651
Tue Oct 22, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Enlarge shower to include bench, walk-in tub, or both?
Replies: 35
Views: 1878

Re: Enlarge shower to include bench, walk-in tub, or both?

Some family experience with a walk in tub, installed in place of a bathtub: It was very difficult to find any floor models to get a feel for the thing before you buy it. Couldn't find anyone that had one that could show us how it looked in their bathroom, or tell us how they liked using it. Finally ...
by clip651
Tue Oct 22, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: BCBS wont pay lab bill...
Replies: 44
Views: 3715

Re: BCBS wont pay lab bill...

Consider waiting for the bill from the lab before getting too worried. You have your EOB, but if you don't have the bill, you don't actually know what the lab is asking you to pay, yet. Sometimes medical bills include other adjustments (which often aren't explained in any detail on the bill) that lo...
by clip651
Sun Oct 20, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Windfall Makes Working Worse Than Not Working
Replies: 62
Views: 7185

Re: Advice: Windfall Makes Working Worse Than Not Working

I will just throw out the idea that you don't actually know the size of your windfall until after the IPO and stock sale right?

Estimates of share prices prior to IPOs tend to vary considerably in accuracy, just from watching the news before and after various IPOs.
by clip651
Sat Oct 19, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Cigna Secure-Essential PDP - am I missing something?
Replies: 2
Views: 217

Re: Cigna Secure-Essential PDP - am I missing something?

Just a guess ... there may be other medications that other patients need which they either do not cover, or cover with more restrictions or at a higher price than other plans. If I'm right, you'll be ok if your medications stay the same. If your health changes and your prescriptions do too, who know...
by clip651
Wed Oct 16, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Taxation on inherited variable annuity
Replies: 18
Views: 655

Re: Taxation on inherited variable annuity

I'm no expert, but I believe the IRMAA thing would only impact you for a year if your income goes back down in the following year (and there is a delay before IRMAA hits, as well, since it is based on prior tax returns). If you have a big income bump in one tax year (the year you inherit), you'll pa...
by clip651
Wed Oct 16, 2019 7:29 am
Forum: Personal Investments
Topic: A friend was offered an annuity by Chase
Replies: 31
Views: 2306

Re: A friend was offered an annuity by Chase

What did your friend want to do with his money before the Chase rep (who is acting as a salesperson, and would like a cut of your friend's money) made a suggestion??? The money could be an emergency fund, or a source of income, or have other uses. If he is new to having this amount of money, it may ...
by clip651
Sun Oct 13, 2019 8:39 am
Forum: Personal Investments
Topic: Need help for investing life insurance for 6 year old nephew
Replies: 16
Views: 1655

Re: Need help for investing life insurance for 6 year old nephew

I am very sorry for your loss. Your situation is complicated. It's fine to gather ideas and information here, but you need good personalized legal advice to understand all your options to get this set up properly for your nephew. Your nephew is lucky to have you in his corner. Offer to babysit as of...
by clip651
Tue Oct 08, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2494

Re: Find my phone -- easy way to find it when lost in the house?

I second the brightly colored cases comment. Look around your house. What are the dominant colors in areas where you tend to leave phones? Brown, grey, black, white, etc. What color do you have very little of in your house? Bright pink? Neon green? Bright yellow or orange, pastel pink or blue, etc? ...
by clip651
Tue Oct 08, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Keeping fleas out of the house
Replies: 21
Views: 1334

Re: Keeping fleas out of the house

Should you always go to a vet to get the pills, or can you buy them safely at a pet store? You should at least get the advice from a vet. Effective products are available from a variety of places. Counterfeit, dodgy, and unsafe products do appear in some places. Vets can help you figure out what wi...
by clip651
Mon Oct 07, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Keeping fleas out of the house
Replies: 21
Views: 1334

Re: Keeping fleas out of the house

Have the friend get flea control advice from their veterinarian. The veterinarians have considerably more training in what's effective for flea control, and why, and how to properly use the product than amazon reviewers or other random sources (including this thread). Get tick control advice as well...
by clip651
Mon Oct 07, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?
Replies: 16
Views: 1409

Re: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?

Americans have access to affordable, high quality healthcare with transparent pricing. You don't need insurance to access it. You need a passport. AND one would also need good enough health to be able to travel to and fro. Know about medical needs well in advance (so travel is for planned procedure...
by clip651
Sun Oct 06, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 5730

Re: Social Security Card as Identification for Real ID

For those that need a replacement social security card, it can be requested online in many states: https://www.ssa.gov/myaccount/replacement-card.html This may be helpful if your card is lost, old, laminated, or for whatever other reason deemed unacceptable by the folks checking documents for Real I...
by clip651
Sat Oct 05, 2019 10:20 pm
Forum: Personal Consumer Issues
Topic: Buying Home with Aging Parent in Mind?
Replies: 13
Views: 1375

Re: Buying Home with Aging Parent in Mind?

A house where someone can live on the ground floor (bedroom, bathroom, and kitchen) can be helpful for a variety of reasons. All it takes is a badly sprained ankle or knee or back for yourself or your child, and you will appreciate it very much. Stairs are a fall risk as well, even for healthy peopl...
by clip651
Tue Oct 01, 2019 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Disputing fraudulent debit/paypal charge with Ally
Replies: 26
Views: 1377

Re: Disputing fraudulent debit/paypal charge with Ally

Most banks, including Ally, will allow you to either restrict your debit card to ATM use only, or issue you an ATM card that has no debit capability. In Ally's app, you can select card controls and do this. Is there a way to do this on their website on a computer instead? I do no banking on my phone.
by clip651
Mon Sep 30, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Temp Worker - How Much Emergency Fund Do I Need?
Replies: 18
Views: 1258

Re: Temp Worker - How Much Emergency Fund Do I Need?

I don't think there is a right answer for everyone. But in general, as a temp worker (or really anyone without long term job security) your emergency fund should be on the higher side. Details are important though - how much can you cut expenses if you are unemployed? What are you doing for health i...
by clip651
Sun Sep 29, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Are banks required to freeze accounts when notified of account holder's death
Replies: 33
Views: 3589

Re: Are banks required to freeze accounts when notified of account holder's death

If the account was a joint account, do they still freeze the account? I would hope not since the other account holder will likely need access to funds. I have a safe deposit box owned with my brother, who will be my executor assuming he survives me. The credit union assured me that he would have ac...
by clip651
Sat Sep 28, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: financially clueless senior MIL who thinks she’s rich
Replies: 162
Views: 19583

Re: financially clueless senior MIL who thinks she’s rich

And, in all the areas where I have had older family members in need, there are perfectly acceptable skilled nursing facilities which take Medicaid patients. And in my area, I know of zero acceptable skilled nursing facilities, medicaid or not, where I'd be willing to place anyone I actually cared a...
by clip651
Wed Sep 25, 2019 6:14 pm
Forum: Personal Investments
Topic: So, Wow [AA change after divorce]
Replies: 80
Views: 8692

Re: So, Wow [AA change after divorce]

My mom, who was by no means wealthy, found it a source of pride, dignity and independence as she aged that she was "paying her own way" and was not a financial burden on her children. And yes, my parents put us all through college; taught us not to assume that there would be an "inheritance". None ...
by clip651
Wed Sep 25, 2019 6:12 pm
Forum: Personal Investments
Topic: So, Wow [AA change after divorce]
Replies: 80
Views: 8692

Re: So, Wow [AA change after divorce]

My mom, who was by no means wealthy, found it a source of pride, dignity and independence as she aged that she was "paying her own way" and was not a financial burden on her children. And yes, my parents put us all through college; taught us not to assume that there would be an "inheritance". None ...
by clip651
Tue Sep 24, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: CMS direct debit hit twice [Medicare]
Replies: 47
Views: 3266

Re: CMS direct debit hit twice [Medicare]

My checking account was charged twice on September 20 and as of this morning nothing has been reversed or credited back. See others had the same issue but appears some have been reversed back. Set this auto pay up to make life easy.... I think it may depend on the bank involved. My relative got an ...
by clip651
Mon Sep 23, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: CMS direct debit hit twice [Medicare]
Replies: 47
Views: 3266

Re: CMS direct debit hit twice [Medicare]

A relative's checking account (that I help with) had a double debit for Medicare Friday the 20th. Credit for one of those debits today, Monday the 23rd with no action on our part. I wouldn't have been aware to check for this issue if not for this thread. Oddly, just a few days ago the same relative ...
by clip651
Sun Sep 22, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: 2 weeks notice or No Notice ? save 3.5K or Reputation ?
Replies: 135
Views: 10797

Re: 2 weeks notice or No Notice ? save 3.5K or Reputation ?

If I notify tomorrow, Monday it will be 3 weeks notice but in those 15 business days, I will be out 6 days, so still 9 working days I could help the team ...but issue it my manager may let me go tomorrow as well w/o any severance For those advocating giving advance notice so as to help in the trans...
by clip651
Sun Sep 22, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: HELP! From In-Patient to Permanent Nursing Home Care
Replies: 19
Views: 1367

Re: Medicare: HELP! From In-Patient to Permanent Nursing Home Care

Another aspect for you to juggle/consider is the loss of his speech. Again, this isn't medical advice, but advice to follow through with various medical and treatment avenues to see if you can help your dad. Loss of speech can have different causes - be sure someone has tracked down the cause in you...
by clip651
Sun Sep 22, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: HELP! From In-Patient to Permanent Nursing Home Care
Replies: 19
Views: 1367

Re: Medicare: HELP! From In-Patient to Permanent Nursing Home Care

Thanks for the update. Definitely pursue an appeal to discharge if needed. Good job escalating until you found someone who could help him last night. Be aware that strong pain killers can cause big changes in mental status, ability to stand, etc, especially in the elderly. Sounds like he needed the ...
by clip651
Sat Sep 21, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: HELP! From In-Patient to Permanent Nursing Home Care
Replies: 19
Views: 1367

Re: Medicare: HELP! From In-Patient to Permanent Nursing Home Care

I forgot to add - Along the way, make sure all these recent changes in your father are fully investigated medically. Make sure you understand what is happening / why this is happening to him, and whether there are any treatments that can reverse or slow this sudden progression of his problems. (This...
by clip651
Sat Sep 21, 2019 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare: HELP! From In-Patient to Permanent Nursing Home Care
Replies: 19
Views: 1367

Re: Medicare: HELP! From In-Patient to Permanent Nursing Home Care

Talk to the social worker at the hospital. Ask lots of questions. This is the best place to start in terms of understanding procedures at the hospital, and how his insurance works for transfer (is he just medicare, or medicare plus a supplement, what facilities are considered in network, etc) which ...
by clip651
Sat Sep 21, 2019 11:19 pm
Forum: Personal Consumer Issues
Topic: moving retired/elderly parents to soCal? sane or insane?
Replies: 29
Views: 2354

Re: moving retired/elderly parents to soCal? sane or insane?

A few thoughts to consider: Carefully consider the medical implications of this possible move for your dad. There is the logistics of the actual move (stress associated with packing up belongings, preparing for a transition, preparing the house for sale, medically managing his needs during the trave...
by clip651
Wed Sep 18, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 122
Views: 7722

Re: Managing joint finances when one is a perfectionist

At the end of it, he seemed pretty ecstatic to never have to deal with bills and payments and taxes ever again. Now I just have to figure out if it's legal for me to call in to manage his accounts should I need to as we are not yet married. (Actually, even if we were married, would it be legal for ...
by clip651
Mon Sep 16, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 493
Views: 26503

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

No, I was specific in what I wrote. The average American does not have access to a multitude of retirement savings vehicles in any one employer. Like you, I've also worked at a variety of mega corps as a worker-bee, we never were given RSU's, there was only one company with an ESPP and there was no...
by clip651
Sun Sep 15, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: > 6 months medical leave
Replies: 23
Views: 2396

Re: > 6 months medical leave

When I rehabilitated patients with work related injuries, six months being off meant about a fifty percent probability of them returning to work. Do you mean due to job loss? (Needed long recovery time, but job wasn't held for them.) Or do you mean if their injury was bad enough to need 6 months of...
by clip651
Sat Sep 14, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12296
Views: 2105153

Re: U.S. stocks in free fall

Some days I'm half-right, and some days I'm half-wrong. What should I do Monday morning? :oops: I can't tell if you're serious or not. But for those who are wondering what to do Monday ... who knows what will actually happen in the various markets on Monday. Regardless, stay the course, assuming yo...
by clip651
Fri Sep 13, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can Self-Employed people get a PPO Health Insurance Plan?
Replies: 27
Views: 1552

Re: Can Self-Employed people get a PPO Health Insurance Plan?

That sounds like a unusual circumstance that requires more investigation, but if you're a snowbird, chances are you're at least 65 and on Medicare anyway. And if you want to see a noted specialist, I can't image a 30 minute visit would be too expensive that you couldn't pay for it yourself out of p...
by clip651
Fri Sep 13, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Can Self-Employed people get a PPO Health Insurance Plan?
Replies: 27
Views: 1552

Re: Can Self-Employed people get a PPO Health Insurance Plan?

For everyone who replied to this thread, can you please tell us what state you live in? It seems like every state has different insurance plans available for self-employed people. Why don't you share where you're located, so you can get more targeted suggestions to your area? You can even add your ...
by clip651
Tue Sep 10, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5126

Re: Can this girl "go wild?"

My step-mom's mother died in early 2017. I think she was in her early 90s. Her and her husband bought a basic one story house in San Jose in 1976 for $45,000. When she died, her kids put it on the market for $1.6M. It sold for $2.5M. You can't take it with you. Maybe she just liked the house? You c...
by clip651
Tue Sep 10, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4250

Re: Equifax breach settlement update?

If the service offered by Equifax is better, I think I will change my answer and take the free monitoring. Free multi-year monitoring is worth more to me than the small $ amounts being talked about. I agree that the Equifax service is probably going to end up being worth much more than the mere pit...
by clip651
Tue Sep 10, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Can this girl "go wild?"
Replies: 33
Views: 5126

Re: Can this girl "go wild?"

Congrats, and enjoy. One tip if/as you increase your spending, is to be wary of buying things that require ongoing upkeep. So, for example, spending on travel is one thing, assuming you can afford it, which it sounds like you can. You can always stop or reduce traveling if you need to cut back later...
by clip651
Sat Sep 07, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Obsessing about money and investing
Replies: 21
Views: 2230

Re: Obsessing about money and investing

See OP's signature line, it seems to show their current AA.

Note that OP is not in the USA.
by clip651
Sat Sep 07, 2019 7:18 am
Forum: Personal Finance (Not Investing)
Topic: A small amount of unplanned Salary
Replies: 6
Views: 1125

Re: A small amount of unplanned Salary

Are you already retired? Are you saying this 2500 is the only earned income for the two of you this year?
by clip651
Fri Sep 06, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Pre-paid Funeral Expenses
Replies: 66
Views: 3913

Re: Pre-paid Funeral Expenses

Perhaps an argument for a small/modest (just enough) whole life insurance policy might be to pay for your funeral/burial expenses. They make these arguments on TV ads all the time! They even talk about them as policies to cover final expenses, talk about the price of the average funeral, etc. If it...
by clip651
Fri Sep 06, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Co-sponsoring an immigrant's sick family member [Updated]
Replies: 47
Views: 4571

Re: Co-sponsoring an immigrant's sick family member

Why do you think the child is coming to make use of public benefits? Juan and his wife make a minimum of $50k (and more likely $75k-ish) and intend to pay for his medical treatment, food, housing, etc. Some medical treatments can easily exceed $100,000. Even "just" a battery of specialized blood te...
by clip651
Tue Sep 03, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 94
Views: 16825

Re: Priorities

Re: "giving more hugs"....there is likely more to that than meets the eye. As per Wikipedia: "Social support has a clearly demonstrated link to physical health outcomes in individuals, with numerous ties to physical health including mortality. People with low social support are at a much higher ris...
by clip651
Mon Sep 02, 2019 12:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2444
Views: 451640

Re: What are you up YTD? [Year To Date]

12.2% 40/60 I'm unclear on the distinctions between money-weighted and time-weighted. Are further explanations available somewhere? See if this helps: https://www.bogleheads.org/forum/viewtopic.php?t=141375 Also, some examples here: https://www.bogleheads.org/forum/viewtopic.php?t=248878 best wishe...
by clip651
Thu Aug 29, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Friend has cancer. What should be the next steps?
Replies: 65
Views: 5001

Re: Friend has cancer. What should be the next steps?

Make sure to find a good attorney and request all medical records along the way. Go over the records with a fine tooth comb. -TheDDC Re the attorney, what type and for what purpose, exactly? For help with disability claims and employment issues, or estate planning, or ??? Collecting medical records...
by clip651
Tue Aug 27, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13450

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

My proposed solution is to lobby for a requirement that insurance companies have adequate provider networks, not narrow networks which is a form of rationing care. Lobby for insurance companies to give providers a reason to sign up for their plans, not a reason to avoid them. The only lobbying we s...
by clip651
Sun Aug 25, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Marrying earlier for insurance/finances?
Replies: 39
Views: 2926

Re: Marrying earlier for insurance/finances?

FuyuKei wrote:
Sun Aug 25, 2019 2:01 pm
I've tried to bring it up with him
The health insurance, the marriage, or both? If he's not ready to discuss either or both yet, that tells you something for now.
by clip651
Sun Aug 25, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Marrying earlier for insurance/finances?
Replies: 39
Views: 2926

Re: Marrying earlier for insurance/finances?

Discussing the prospect of marriage for the past several years is not necessarily the same thing as both of you being ready to marry each other. It is not uncommon for folks in long term relationships to discuss possible future marriage off and on. Some of those folks eventually go on to get married...
by clip651
Sun Aug 25, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Sudden Death: Sorting Estate in sorrow
Replies: 17
Views: 2571

Re: Sudden Death: Sorting Estate in sorrow

Just throwing out an idea (I'm not a lawyer, no real experience here). If the fiance and mother are on good terms, it might be helpful if they were able to go together to consult estate lawyers or whoever else is able to give initial legal advice regarding the estate. Once the status of any accounts...
by clip651
Sun Aug 25, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12296
Views: 2105153

Re: U.S. stocks in free fall

And this thread can also be a good place for venting, or it can be a distraction from investing since it may keep you focused on short term market movements, This thread has been free falling for over eight years. That is what people need to focus on. I agree. For me this thread is a great reassura...
by clip651
Sun Aug 25, 2019 10:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12296
Views: 2105153

Re: U.S. stocks in free fall

VTSAX has a real return of 2% since Jan 2018 (as of last Fri).. and we may go lower from this point. It would be a joke to call this a bull market. Oh, and Small Caps are almost in a bear market. So is International. On a lot of levels, as an accumulator, it doesn't matter what the market is called...
by clip651
Sat Aug 24, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8383

Re: How to help an employee who is in debt and requesting a loan

I would not give her any more money. I would quietly contact social agencies, tell them you have an employee with problems and ask what services are available for each situation she is dealing with. (I would not be surprised if they guess who it is.) Armed with info about resources that are availab...