Search found 2011 matches

by drawpoker
Sat Sep 01, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3828

Re: The twenty dollar rule

Maybe she should have talked to Wife #1 first.... ___________________________________________________________________________ by pondering » Sat Aug 25, 2018 10:39 pm "This is definitely a thread where I miss the like button that is on other discussion boards. There is a ton of good advise here. Mon...
by drawpoker
Sat Sep 01, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 62
Views: 8175

Re: Ladies: bra shopping question

...... the devil will be shopping for ice skates before I pay $140 for a bra :-) ....... Only $140? Ha, you must have been looking in the clearance bins Under "new arrivals" on that site check out " Aubade Femme Glamour Demi Bra in Gold OrNoir" Price: $199 :mrgreen: Also, if you filter a search by ...
by drawpoker
Sat Sep 01, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3828

Re: The twenty dollar rule

...$700 for a water heater amortized over the life of the unit is less than 6 dollars a month. Create a new line item in your budget - water heater: allocate $10 to this line. In 10 years, you'll have the necessary sum to pay for it....... Re-visiting the $700 water heater - since he could not poss...
by drawpoker
Sat Sep 01, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3828

Re: The twenty dollar rule

Shirley, this has got to a Joke thread, right?
A water heater for $700? Just how long does he expect that to last?
Wife has many ground for divorce here.......
by drawpoker
Fri Aug 31, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Survivors and widows benefits with social security
Replies: 1
Views: 284

Re: Survivors and widows benefits with social security

The earnings limit that social security observes applies only to the worker (you). Not to any surviving children (that young who aren't hold enough to have a job yet) The only reason that you and your child are receiving a monthly benefit amount that is the same is that there were only 2 of you. Whe...
by drawpoker
Fri Aug 31, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Health Insurance Subrogation “questionnaire”... Should I be wary?
Replies: 10
Views: 1058

Re: Health Insurance Subrogation “questionnaire”... Should I be wary?

.......problem is, the visit probably counted against my deductible, and I would have paid out of my HSA. If, say, my homeowners paid out for the bills, and the hospital refunded the money I paid, would that........... If, as you suggest, your H.O. insurance paid out something toward your medical b...
by drawpoker
Thu Aug 30, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Health Insurance Subrogation “questionnaire”... Should I be wary?
Replies: 10
Views: 1058

Re: Health Insurance Subrogation “questionnaire”... Should I be wary?

......Basically they are trying to see if there is some other party/insurance company responsible for the medical expense, so they can at least partially lessen their liability. For example, if you sustained the injury at work, or at a business, or someone else's house, they might split your medica...
by drawpoker
Thu Aug 30, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3547

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

.... "was wondering what the catch is" ________________________________________________________________ Well you can be sure there is a catch somewhere. Nursing homes that take Medicaid LTSS are so universally bad places that the few very good ones out there (good in the sense of not as bad as other...
by drawpoker
Thu Aug 30, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3147

Re: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting

....just figured I'd collect my $27/mo differential early starting this yr, and then the $141/yr starting next yr. .......... J.......... they need real experience data to raise rates? Just use pencil, not an ink pen, to write down those projected savings. Keep an eraser handy :greedy If you get si...
by drawpoker
Thu Aug 30, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3147

Re: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting

kaneohe wrote:
Thu Aug 30, 2018 1:16 pm
...... I bit the bullet and switched to G.
What is your state of residence, kaneohe?
by drawpoker
Thu Aug 30, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3547

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

Kennedy wrote:
Wed Aug 29, 2018 10:24 pm
I have a family member who is in a skilled nursing facility for rehab after a fall.....
Is this family member the M.I.L. that your husband wants to move into your home? The one you wrote about in the other thread that got locked?
by drawpoker
Thu Aug 30, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1703

Re: TRowePrice's Future Path planning tool

Of course, right you are. But you might be surprised how many adults do get tripped up on this one. After all these years. (Kinda like asking "Which weighs more, a pound of lead or a pound of feathers.... That trips many, too. Okay, now that you 'Splained that one, can you tell me why FuturePath can...
by drawpoker
Thu Aug 30, 2018 2:12 am
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1703

Re: TRowePrice's Future Path planning tool

Yes, the sliders are stubborn. Try editing again (when they are not suspecting). I'm glad you're making progress. LOL, you were right! Went back and used a softer touch - got 100% cooperation from the slippery sliders. All funds are correct now as far as asset class, percentages. Church lady, thank...
by drawpoker
Thu Aug 30, 2018 12:26 am
Forum: Personal Consumer Issues
Topic: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?
Replies: 30
Views: 3547

Re: Are Skilled Nursing Facilities that Accept Medicaid Really That Bad?

The way it works, the skilled nursing care facilities are designated a certain no. of beds for short-term (Medicare/or reg. insurance paying) rehab and a certain no. dedicated to long-term (both Medicaid and private pay) Its very possible those empty beds you saw were the ones designated as short-te...
by drawpoker
Wed Aug 29, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3147

Re: UHC/AARP Switching Medigap F---> G Underwriting

Sounds like that company is going all out to encourage people to flee F and get into G. Holding out the carrot, aren't they. (In the meantime, wish the OP would re-type the title of this thread. Maybe it is just me, but every time I look at it - seems like someone using bleeped shorthand for a well-...
by drawpoker
Wed Aug 29, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Weird Announcement From PNC Bank
Replies: 16
Views: 2735

Re: Weird Announcement From PNC Bank

They are not cashing your own check. They are cashing someone else's check. The 2% fee transfers the entire liability to the writer of the check. So, at that point you are off the hook. The bank will be going after the writer of the check to collect the funds...... Interesting concept. ......... No...
by drawpoker
Wed Aug 29, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Weird Announcement From PNC Bank
Replies: 16
Views: 2735

Re: Weird Announcement From PNC Bank

There's got to be a catch somewhere to this. If the bank says this is the program, I can see 2 college kids (or desperate housewives) pulling this: "You're broke? Only two dollars left in your account? Nah, don't sweat it, write me a check for $250. I'll take it to the PNC ATM, deposit it to my acco...
by drawpoker
Wed Aug 29, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3147

Re: UHC/AARP Switching Medigap F---> G Underwriting

.......agree it won't matter that much which plan you are in when it is December 2019. But in December 2029, IT WILL MATTER a lot. No new people would have entered F during that time, so the average age of the participants will only rise at the same time their health declines (on average). The prem...
by drawpoker
Wed Aug 29, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Weird Announcement From PNC Bank
Replies: 16
Views: 2735

Re: Weird Announcement From PNC Bank

IOW, you are saying that PNC is counting on all those 2% fees they plan to rake in - that will offset the occasional bad check they might get fooled by? These are depositors, customers, who are depositing these checks that might later bounce. Not guys with stolen or counterfeit checks who also have ...
by drawpoker
Wed Aug 29, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Weird Announcement From PNC Bank
Replies: 16
Views: 2735

Weird Announcement From PNC Bank

Okay, can somebody explain how this is going to work. In today's bank statement from PNC: 'PNC Express Funds now expands to PNC ATM network. This is an optional service providing immediate availability to qualifying single check deposits. If you deposit a single check that qualifies you will be offe...
by drawpoker
Wed Aug 29, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 62
Views: 8175

Re: Ladies: bra shopping question

What strikes me - mouses specifically posted she was not interested in underwire styles. So, the thread gets deluged with posts recommending brands known for focusing primarily on underwires :? :? Since when did threads like these here on BH pay attention to the specific question asked by the OP? :...
by drawpoker
Wed Aug 29, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: National Bowtie Day
Replies: 9
Views: 727

Re: National Bowtie Day

To quote the immortal words of Sal on Impractical Jokers --

"That is a nice muff you have there. I also like that thing around your neck too"
by drawpoker
Wed Aug 29, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4365

Re: Chipotle question

Is there a separate charge for the clostridium perfringens? Or is that complimentary ?
by drawpoker
Wed Aug 29, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3147

Re: UHC/AARP Switching Medigap F---> G Underwriting

......you sure you aren't thinking of the CA birthday rule where you have the right to downgrade w/o underwriting within your birthday window? ........I'm thinking this is a no-lose deal since the net expense will be lower if premium savings is more than deductible owed/also if F premiums go up mor...
by drawpoker
Wed Aug 29, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 62
Views: 8175

Re: Ladies: bra shopping question

What strikes me - mouses specifically posted she was not interested in underwire styles.

So, the thread gets deluged with posts recommending brands known for focusing primarily on underwires :? :?
by drawpoker
Wed Aug 29, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity's calculator suddenly more optimistic?
Replies: 12
Views: 1716

Re: Fidelity's calculator suddenly more optimistic?

Can't address the Fidelity one directly. But, after fighting and struggling with the one T.RowePrice puts out in another thread - can tell you this much: If you have entered "outside" accounts (non-Fidelity) you might have to manually input the percentages that represent the asset classes. If within...
by drawpoker
Wed Aug 29, 2018 12:14 am
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1703

Re: TRowePrice's Future Path planning tool

When you edit each manual account, the sliders will appear....... Ah, I see, said the blind man. :oops: What had me all mucked up - the accounts that appear at the top of the listing when you open that page are the, guess what, T.RowePrice accounts. So, that blue/orangey/slimey greenish/ color slid...
by drawpoker
Tue Aug 28, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1703

Re: TRowePrice's Future Path planning tool

Well, I am in retirement (age 69) so I followed the directions to just enter zero for annual income. Have SS set as "future income" at age 70. But, something is screwed up. As following your good directions and entering the new balances on retirement accounts my score went from 100 to 99 ! It told m...
by drawpoker
Tue Aug 28, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1703

Re: TRowePrice Future Path planning tool

Wow. Guess I am getting senile after all, it was TRowe all along, not Fidelity. :oops: Guess this belongs in the thread about the dangers of engaging in too much custodian diversification :P Thank you, will follow your directions when I go back in and try to get my stuff-ing straight. btw, since you...
by drawpoker
Tue Aug 28, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: National Bowtie Day
Replies: 9
Views: 727

Re: National Bowtie Day

Okay, cannot let this go on any longer, am developing an irritable bowel syndrome awareness moment. :annoyed Time for the grammar/spelling police.

Bow tie is two words. Necktie is one word.

https://www.copyediting.com/fashion-for ... 4YAlCRKjcs
by drawpoker
Tue Aug 28, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Closing Credit Card Accounts
Replies: 32
Views: 4121

Re: Chase Closing Credit Card Accounts

Have 2 Chase cards, neither with a fee, but one never used. This year Chase sent a stern warning to use that one soon. Or else. However, what irked me, Chase is also the name on my Amazon credit card, which gets used fairly often. So it appears to me that Chase keeps no comprehensive records, or cro...
by drawpoker
Tue Aug 28, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: National Bowtie Day
Replies: 9
Views: 727

Re: National Bowtie Day

And the stupidest of all, National String Cheese Day, Sept 20, is going to be difficult to resist. :oops:
The Sunday paper had a coupon for $1.50 off for Galbani cheese. Which I just had to clip. :moneybag

https://www.youtube.com/watch?v=_W7aX8F ... Jw&index=4
by drawpoker
Tue Aug 28, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1703

Re: Fidelity's Future Path planning tool

Yes, that's it.

Do you know how to change/amend specific information within each Path? Without having to start all over and enter all new info for all fields?
by drawpoker
Tue Aug 28, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4146

Re: Shingrix [Vaccine availability]

Does one have to be at least 65 to get the insurance to pay for this vaccine? Actually, it's just the opposite. If you are under 65 and have insurance through the ACA it is covered 100% as a required, preventive benefit. If you are over 65 and on Medicare you will likely pay a co-pay as this comes ...
by drawpoker
Tue Aug 28, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Escheatment - a series of mole holes
Replies: 24
Views: 1197

Re: IRA Escheatment - a series of mole holes

....... Russ Kinnel........ "If I had to invest with just one fund company it would definitely be Vanguard." Yes. No disagreement there. That would be my 1st choice as well. But, I don't have to invest with just one fund company. So I don't. Of the list of 12 reasons you pasted here, what stands ou...
by drawpoker
Tue Aug 28, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Escheatment - a series of mole holes
Replies: 24
Views: 1197

Re: IRA Escheatment - a series of mole holes

Ping Pong wrote:
Tue Aug 28, 2018 3:06 pm
How often do you have to visit a safety deposit box to keep it active?
Don't you have to pay the bank once a year for the box? Or, are you still in a "freebie" situation?
by drawpoker
Tue Aug 28, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Escheatment - a series of mole holes
Replies: 24
Views: 1197

Re: IRA Escheatment - a series of mole holes

sport wrote:
Tue Aug 28, 2018 2:51 pm

A good custodian will calculate the amount for you each year. Vanguard calls it their RMD service.
Ha! So you don't practice custodian diversification, you have All Eggs In One Basket....... :shock: .
by drawpoker
Tue Aug 28, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12096

Re: Excessive Emergency Room Charges - Options?

CuriousReader wrote:
Tue Aug 28, 2018 2:26 pm
Ack--then where do I go for biopsies once I go on Medicare?
I believe toofache32 is referring to a highly specialized type of biopsy (related to dental??)

I have had several different kinds of biopsies done, sent off, ruled to be benign. Medicare anted up for every single one, no arguments.
by drawpoker
Tue Aug 28, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Escheatment - a series of mole holes
Replies: 24
Views: 1197

Re: IRA Escheatment - a series of mole holes

...if you have automatic RMDs (vs. manual ones) ,if you vanish from this earth, the RMDs continue but the account could be abandoned. Automatic RMDs? :confused How can that be, the amount changes every year. As for custodian diversification :confused - Yes, yes, yes. Altho it is extremely unlikely ...
by drawpoker
Tue Aug 28, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Escheatment - a series of mole holes
Replies: 24
Views: 1197

Re: IRA Escheatment - a series of mole holes

sport wrote:
Tue Aug 28, 2018 2:06 pm
Yes. It also suggests minimizing the number of accounts and custodians.
No. I am not willing to give up diversification.
by drawpoker
Tue Aug 28, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Escheatment - a series of mole holes
Replies: 24
Views: 1197

Re: IRA Escheatment - a series of mole holes

Well, what constitutes "activity" on the account? If cap gains from an equity fund, or bond fund dividends, are being periodically deposited, isn't that good enough? Obviously, people no longer working are unable to make annual contributions. For alot of good reasons they may not wish to take any di...
by drawpoker
Sun Aug 26, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4146

Re: Shingrix

Some sources are saying the shortage may go on through the rest of the year. Here in the boondocks, my pharmacist has no idea when they will get another shipment.

https://www.goodrx.com/blog/shingrix-sh ... et-it-now/
by drawpoker
Sun Aug 26, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 62
Views: 8175

Re: Ladies: bra shopping question

As for thirdlove dot com - I absolutely will not, never, pay $75 for one ordinary bra. (Unless I had some medical reason that required) The reason they are $75 and $79 is those WSJ big ads are expensive, somebody's got to pay for them. For years I have struggled with this and finally discovered, of ...
by drawpoker
Sat Aug 25, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5050

Re: Do you go for annual Medicare preventive tests and screening?

Yeah, except those folks in their fifties may turn 65 before they can find anyone who has it. :| :oops: :P There has been a nationwide shortage. Here in the boondocks my pharmacist has no idea when they will get another shipment of the stuff. https://www.washingtonpost.com/news/to-your-health/wp/201...
by drawpoker
Fri Aug 24, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Young Pharmacist With No Clue What To Do
Replies: 32
Views: 3098

Re: Young Pharmacist With No Clue What To Do

trying to get my financial house in order and educating myself by reading this blog and other resources (Dave Ramsey, ChooseFI, etc.). ...... Please do not listen to Dave Ramsey. He is a showman, an entertainer, and has made millions by being a flamboyant TV personality. Before that, he was a real ...
by drawpoker
Fri Aug 24, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5050

Re: Do you go for annual Medicare preventive tests and screening?

In theory. I wouldn't trust it, though :(

I do know the year I screwed up and wondered why - BCBS told me it had been less than 365 days, that's why they were denying. Maybe Medicare decided to allow some flexibility as you say.
by drawpoker
Fri Aug 24, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7658

Re: Marriage [How should finances be handled?]

Also, any general advise (not investment related) regarding marriage is welcome too. Terrific. How is it this comment, soliciting posts that are against the rules of the forum, goes unchallenged by the moderators? Yet, another thread, which was 95% focused on how should finances be handled between ...
by drawpoker
Fri Aug 24, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5050

Re: Do you go for annual Medicare preventive tests and screening?

I don't think you need a PCP to tell you to get the shingles vaccination, especially since you can get it without a prescription at Walgreens and even at some Walmarts....... Are you on Medicare? A lot of those people getting it at the drugstores are paying full price, no insurance, or insurance th...
by drawpoker
Fri Aug 24, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you go for annual Medicare preventive tests and screening?
Replies: 84
Views: 5050

Re: Do you go for annual Medicare preventive tests and screening?

...... schedule the annual physical at least ONE day more than one year from the last one. Good point. Also, same thing with annual flu shot every year, keep close track of the dates. Have seen others get Medicare denials because last year's shot was done 360 days ago, not 365. Vaccine, plus nurse ...