Search found 3716 matches

by Steelersfan
Sat Nov 16, 2019 2:33 pm
Forum: Personal Investments
Topic: Factoring heirs into overall asset allocation
Replies: 10
Views: 697

Re: Factoring heirs into overall asset allocation

If I take my "Age in bonds" AA suggestion (30%/70%) and what I think would be a good AA for my heirs (80%/20%) and average them, I get 57%/43%. That's very close to the AA I have, which I decided on without doing that calculation.
by Steelersfan
Fri Nov 15, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: California Divorce, Our Son
Replies: 28
Views: 4008

Re: California Divorce, Our Son

The Roth should not be a problem as it was not funded by marital income but funded by us, his parents he is allowed to make GIFTS up to a certain amount legally the older we get, the more we hear of divorces California is a community property state. Don't be so sure gifts made during a marriage are...
by Steelersfan
Thu Nov 14, 2019 10:05 pm
Forum: Personal Investments
Topic: Asset protection
Replies: 8
Views: 669

Re: Asset protection

Umbrella policy, don't do dumb things to expose myself to unnecessary risks.
by Steelersfan
Sun Nov 10, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

iamblessed wrote:
Sun Nov 10, 2019 5:13 pm
phxjcc wrote:
Sat Sep 28, 2019 3:05 pm
California, $23.50 to $64 in 2020.
+1 Kansas $16 to $63
Same income both cheapest plan
Check out the Humana Value Plan. Most people here are actually paying less in 2020 than 2019 with that plan.
by Steelersfan
Wed Nov 06, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Maximize 1 Day at Disney
Replies: 48
Views: 2676

Re: Maximize 1 Day at Disney

We did four days at Disney but just one day in each park, so one day in the Magic Kingdom will work just fine if that's all the time you can spare. Best ideas: Get there the night before Stay on Disney property Plan the Fast Passes you want and get them locked in 60 days ahead of time. You have to p...
by Steelersfan
Tue Nov 05, 2019 7:33 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3648

Re: Vanguard suggesting I move to ETF's

ETF's use the brokerage system, not the mutual fund system. Vanguard wants to retire the mutual fund system and this helps get them there. People won't give up the split brokerage/mutual fund accounts. Think of the challenge to retire all mutual funds. :shock: I don't see that happening anytime soo...
by Steelersfan
Tue Nov 05, 2019 6:58 pm
Forum: Personal Investments
Topic: Vanguard suggesting I move to ETF's
Replies: 40
Views: 3648

Re: Vanguard suggesting I move to ETF's

Artsdoctor wrote:
Tue Nov 05, 2019 5:48 pm
I'm surprised that Vanguard is actually recommending ETFs over mutual funds. I would have guessed that they would have been neutral.
ETF's use the brokerage system, not the mutual fund system. Vanguard wants to retire the mutual fund system and this helps get them there.
by Steelersfan
Mon Nov 04, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is 529 best held by a Grandparent?
Replies: 6
Views: 795

Re: Is 529 best held by a Grandparent?

I gift to my kids and hope/expect they will use it to fund 529 plans for the grand kids. They get a tax deduction based on the state they're in, which they can use more than I can.

There can be no guarantees, and I'm OK with that. But so far so good.
by Steelersfan
Sat Nov 02, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3451

Re: Part D - thinking of shifting to Walmart

Walmart used to be the least expensive Part D company for my medications but not in 2020. Check out switching to the Walmart/Humana Value plan. For my generic prescriptions the total cost is less in 2020 than in 2019. Thank you Steelersfan for the feedback. I did check the Humana Value Plan and ini...
by Steelersfan
Fri Nov 01, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3451

Re: Part D - thinking of shifting to Walmart

Munir wrote:
Fri Nov 01, 2019 8:54 pm
Walmart used to be the least expensive Part D company for my medications but not in 2020.
Check out switching to the Walmart/Humana Value plan. For my generic prescriptions the total cost is less in 2020 than in 2019.
by Steelersfan
Fri Nov 01, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Should I Restore this Ethan Allen Furniture Set? (updated w/ before/after pictures)
Replies: 18
Views: 2496

Re: Should I Restore this Ethan Allen Furniture Set?

Thank you all for your common sense and collective knowledge. I ended up using Howard's Restor-A-Finish. A few hours of time cleaning and using the product, replacing hardware ($60), and using this as a teachable moment for my son who helped in a few stages of the project was a success! I used Howa...
by Steelersfan
Fri Nov 01, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Best Company For Medicare Supplement Plan G [in Missouri]
Replies: 11
Views: 732

Re: Best Company For Medicare Supplement Plan G [in Missouri]

Be aware that AARP/United Healthcare starts with a 30% discount in price that goes away at 3% a year............. Hmmm. Not quite. To clarify, AARP/UHC says they are offering a 30% discount at the start. What they say, and what is actual fact, can be, um, 360 degrees different. If the OP is diligen...
by Steelersfan
Thu Oct 31, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Best Company For Medicare Supplement Plan G [in Missouri]
Replies: 11
Views: 732

Re: Best Company For Medicare Supplement Plan G [in Missouri]

Hi, new on here. Was with Vanguard for many years with IRA's, 401k, etc. so maybe I can help someone with questions about them going forward. I'm going on medicare in February and could use some advice. Plan on going with a plan G. Have it narrowed down to AARP UnitedHeathcare vs Anthem BlueCross B...
by Steelersfan
Mon Oct 28, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Help Dad do estate planning math and make adjustments
Replies: 45
Views: 2607

Re: Help Dad do estate planning math and make adjustments

What we don't know: was the real estate separate property acquired by the wife by gift or inheritance, or was it marital property jointly owned by both parents. Did daughter number one have a special relationship with the mother and provide care for her that the other two daughters did not? That mig...
by Steelersfan
Sun Oct 27, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: Part D Drug Plan - chemotherapy drugs not covered?
Replies: 10
Views: 1223

Re: Part D Drug Plan - chemotherapy drugs not covered?

ester wrote:
Sun Oct 27, 2019 5:29 pm
I believe chemo is covered under Medicare Part B
Yup

https://www.medicare.gov/coverage/chemotherapy
by Steelersfan
Fri Oct 25, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

..... I can still shop locally if I need something right away, like an antibiotic. The deductible on this plan was $435 for me, so like previous years, I likely won't reach that. I'll pay the co-pay, which, with the mail order price, is acceptable for me. Correct me if I am wrong, but isn't this on...
by Steelersfan
Fri Oct 25, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Cost of my medicare drug plan is doubling
Replies: 24
Views: 2090

Re: Cost of my medicare drug plan is doubling

How is the Aetna $14 a month plan better than the Humana/Walmart $13.20 a month plan? If you sort the Prescription Drug Plan list by "Lowest drug + premium cost" you get the lowest annual cost plan listed first. The default sort "Lowest monthly premium" can be a snare and a delusion once the cost o...
by Steelersfan
Fri Oct 25, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Cost of my medicare drug plan is doubling
Replies: 24
Views: 2090

Re: Cost of my medicare drug plan is doubling

How is the Aetna $14 a month plan better than the Humana/Walmart $13.20 a month plan? Does the Humana plan require you to pickup scripts at Walmart for the best rates while the Aetna plan has a larger network? (Our elderly neighbor had an Express Scripts/Walmart plan and hated having to drive all t...
by Steelersfan
Thu Oct 24, 2019 7:52 pm
Forum: Personal Investments
Topic: Helpful considerations for mom with nest egg investment
Replies: 12
Views: 881

Re: Helpful considerations for mom with nest egg investment

Going with EJ will cost her at least 1% more per year than Vanguard. Every year.

Ask her if she doesn't have a better use for an additional $5,800 per year than to support her EJ account rep's lifestyle.
by Steelersfan
Thu Oct 24, 2019 5:27 pm
Forum: Personal Consumer Issues
Topic: Cost of my medicare drug plan is doubling
Replies: 24
Views: 2090

Re: Cost of my medicare drug plan is doubling

Also doubled for DW and I. Shopped around. Switched from Humana To Aetna. Same coverage, 1/3 the price. j My father was also at Humana, and his rate more than doubled, to $60 a month. He also switched to Aetna, and got the same coverage for $14 a month. How is the Aetna $14 a month plan better than...
by Steelersfan
Wed Oct 23, 2019 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: HOA Treasurer Software Recommendation?
Replies: 21
Views: 1704

Re: HOA Treasurer Software Recommendation?

There are also different levels of audits. We get an annual audit of the division of responsibilities and how well they're being performed. It's not an audit of our actual books. It's much cheaper for our 44 unit condo association. As the treasurer, overseeing the well regarded management company wh...
by Steelersfan
Wed Oct 23, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Cost of my medicare drug plan is doubling
Replies: 24
Views: 2090

Re: Cost of my medicare drug plan is doubling

Check out this long thread on the issue:

viewtopic.php?f=2&t=291449
by Steelersfan
Tue Oct 22, 2019 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

cheese_breath wrote:
Tue Oct 22, 2019 8:52 pm
Steelersfan wrote:
Tue Oct 22, 2019 8:20 pm
With a GoodRX coupon, those are available for 50 cents a tablet. You're going to need a lot of "happy times" to make that worth it. :D
And you know the GoodRX price because? :P
I googled it, to provide valuable information to the other posters of this site. :sharebeer

:)
by Steelersfan
Tue Oct 22, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

prd1982 wrote:
Tue Oct 22, 2019 6:17 pm
I saw one drug highlighted at the bottom of the covered drug for Premier (but not Value): Sildenafil Citrate, which is generic Viagra.
With a GoodRX coupon, those are available for 50 cents a tablet. You're going to need a lot of "happy times" to make that worth it. :D
by Steelersfan
Tue Oct 22, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

Earlier in this thread and in others I have warned that the Medicare site has different prices than the Humana site. Whatever caused the difference has now been corrected, and they show the same prices. And for me where I live, and my 4 generic drugs, my 2020 cost goes down from 2019 by switching to...
by Steelersfan
Sun Oct 20, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Will there be taxes due on a pension if withdrawn
Replies: 15
Views: 1058

Re: Will there be taxes due on a pension if withdrawn

Most retirement plans require the involvement of QDRO when a divorce takes place, if I'm not mistaken. The length of employment as well as the length of time you were married determines the split in amounts per individual. You must be married 10 years in order to have a claim on a portion of the ot...
by Steelersfan
Sat Oct 19, 2019 5:35 pm
Forum: Personal Investments
Topic: On the fence with I bond- do you agree with this article?
Replies: 29
Views: 2437

Re: On the fence with I bond- do you agree with this article?

I bought I-bonds in 2003 when the fixed rates was much better. But they were such a small part of my investment portfolio they really didn't do much for me. I sold them last year to simplify my portfolio.

If inflation had spiked I might have a much different opinion. And made a different decision.
by Steelersfan
Fri Oct 18, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 4698

Re: Invited to join HOA board. Pros/cons?

Whatever you do don’t end up like this HOA: https://www.cnn.com/2019/10/17/us/flagpole-hoa-fight-trnd/index.html I agree. Some amount of flexibility is an important part of being on a well functioning HOA board. There's no doubt we'd allow something like that, for that reason, for a set period of t...
by Steelersfan
Fri Oct 18, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

I'm from PA....and i've been with humana since 2013...and on my issue card it states that i am in the "humana Rx plan(PDP)...i received my 90 day mail order supply last week and enclosed was the "2020 annual notice of changes"...upon reading i noticed the plan as "humana premier Rx plan(PDP) and my...
by Steelersfan
Thu Oct 17, 2019 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

The subscription period for the 2020 Medicare Part D plans is now in effect. I've had Humana Walmart Part D plan in 2019. Their equivalent 2020 plan rates have skyrocketed. I started a new search on the Medicare.gov web site. The 2020 three Humana available options are all much more expensive than ...
by Steelersfan
Tue Oct 15, 2019 9:28 pm
Forum: Personal Investments
Topic: More than one Investment Company
Replies: 21
Views: 1470

Re: More than one Investment Company

This questions gets raised regularly on this board. Most, but certainly not all, are not overly concerned about having their investments with one company at the level of Vanguard, Fidelity, T Rowe Price, etc. If you are concerned about access to your accounts, what's your threshold for denial of acc...
by Steelersfan
Tue Oct 15, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 4698

Re: Invited to join HOA board. Pros/cons?

I've been on the board of my HOA for the last 10 years. It's a 44 unit condo association. When I arrived the HOA was in bad financial shape, having required two special assessments in the previous 4 years just to pay monthly utility bills. Their goal was to keep monthly dues as low as possible - bad...
by Steelersfan
Wed Oct 09, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9536

Re: Do you carry your passport with you during international travel?

I always carry it - deep in the front pocket of tight fitting jeans.
by Steelersfan
Mon Oct 07, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Plan F Future Pricing
Replies: 14
Views: 944

Re: Medicare Supplement Plan F Future Pricing

I'm in F and would switch to G if I could. No one knows the future of F. But it's not in the interests of the insurance company, the state insurance commission, or Medicare, to let F get so far out of line that's it's not affordable. I suspect something will be worked out - I just can't predict what...
by Steelersfan
Sun Oct 06, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

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 Oct 15th you reference is the date that official enrollment begins. Albeit, as many have cautioned, it wo...
by Steelersfan
Sun Oct 06, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6221

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 ...
by Steelersfan
Sun Oct 06, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6221

Re: Social Security Card as Identification for Real ID

As mentioned, every state is different. My state was late to issuing Real Id's so the lines to get one were long and it took about an hour - one line to verify I had the right documents, a second to fill out state forms, a third to get a picture taken and the driver's license issued. My state requi...
by Steelersfan
Sun Oct 06, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6221

Re: Social Security Card as Identification for Real ID

As mentioned, every state is different. My state was late to issuing Real Id's so the lines to get one were long and it took about an hour - one line to verify I had the right documents, a second to fill out state forms, a third to get a picture taken and the driver's license issued. My state requir...
by Steelersfan
Sat Oct 05, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Flying in the US after losing ID
Replies: 18
Views: 2596

Re: Flying in the US after losing ID

I did about a year ago, both ways on a week-end outing. I left my passport at home and forgot my driver's license. I had to go through an extended TSA review but got through both times with about a 15 minute delay. All I had was the usual things you carry in a wallet - credit cards, medical insuranc...
by Steelersfan
Fri Oct 04, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D advise
Replies: 33
Views: 2535

Re: Medicare Part D advise

So, if they mapped people to the cheaper plan, many folks will just say "great", and not look further. They could be unpleasantly surprised in 2020 when drugs they used were dropped or more expensive. That could be for some people, which is why you have to enter the drugs you take into their pricin...
by Steelersfan
Fri Oct 04, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D advise
Replies: 33
Views: 2535

Re: Medicare Part D advise

Either: 1. Humana made a mistake and mailed current clients of their cheap plan the information for a plan that's way more expensive, or 2. they hope lots of people just go with the flow and accept the more expensive plan as their new plan by default As I said in the other thread, there is a cheap H...
by Steelersfan
Thu Oct 03, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Removing smoke odor from clothing
Replies: 20
Views: 1760

Re: Removing smoke odor from clothing

I'm a smoker but want to get rid of smoke odor from my condo and car. This works well for me, if you're willing to spend a few bucks:

https://www.amazon.com/Enerzen-Commerci ... B00JAP7388

Put it in an enclosed space for 10 hours or so.
by Steelersfan
Thu Oct 03, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

2020 costs have now been uploaded to medicare.gov. But when I searched for and found the Humana Value plan but the cost shown there is back to what I'm paying this year.

I went back to the Humana site to verify and it's still showing a $200 savings compared to my current plan.
by Steelersfan
Thu Oct 03, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

My 2019 Humana Walmart Rx Plan ($29.90) is being replaced in 2020 with the new Humana Premier Rx Plan ($64.50). However, there is also a new Humana Walmart Value Rx Plan that costs only $13.20. I have no details at present but would guess that the Formulary is more restricted. I was able to access ...
by Steelersfan
Mon Sep 30, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Corporate Acquisition - Key Person
Replies: 21
Views: 2260

Re: Corporate Acquisition - Key Person

Well, looks like it is all going through. I ended up signing a two year retention agreement that pays 1-year of salary as the bonus. I get 25% immediately, 25% after year 1 and 50% after year two. Most interestingly is that there is no non-compete. I couldn't believe it. If I walk I don't get whate...
by Steelersfan
Sun Sep 29, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

Can any of you in Illinois check your current year plan documents against your 2020 documents and see whether the plan number is the same as I quoted above? My plan number changed in the mailing I got and it's the Humana Premier Rx Plan. There is nothing in that document that describes a basic plan...
by Steelersfan
Sun Sep 29, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

but note, also, you won't know if your current "Tier 2" drugs will remain Tier 2. They could become Tier 3 - just saying . . . it's very tricky - I will be shopping around after October 15th. Good point. In my plan, tier 3 drugs are $116 per prescription. That's $464 a year! Per drug. Ouch.
by Steelersfan
Sat Sep 28, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7950

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

Pennsylvania stands to be recognized - $28.50 to $59.20. Some of my generics that in the second tier are now free, but even taking that into consideration my annual cost would go up 62%. I'm going on a shopping trip on October 15th. Question - where do they send the people who design their plans and...
by Steelersfan
Fri Sep 27, 2019 5:35 pm
Forum: Personal Investments
Topic: Vanguard Site Super Slow for Transactions
Replies: 11
Views: 915

Re: Vanguard Site Super Slow for Transactions

I just logged in to check my balances. I'm on a PC using Chrome. It is 6:30 when I suspect lots of others are doing the same thing, but it is slow.

20 seconds to get the logon screen to appear on the screen. 20 second after entering my userid and password to get the overview screen.

That's slow.
by Steelersfan
Thu Sep 26, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Leaving NYC for retirement, Hudson Valley or PA. etc?
Replies: 21
Views: 2544

Re: Leaving NYC for retirement, Hudson Valley or PA. etc?

I now nothing about the area, but the PA income tax is a flat 3.07%, and Social Security and pensions (if he has one) are exempt from income tax. Only 13 states do tax SS and NY is also not among them . NYS also doesn't tax pensions other than SS paid by the federal govt , or paid by NYS, and some ...