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by drawpoker
Mon Sep 03, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 10040

Re: What will you do when you find you have more money than expected?

(2)

Because health/health care costs/ is a crap shoot, what seems like a lot of :moneybag could suddenly shrink considerably.
by drawpoker
Mon Sep 03, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

Local CCRC facilities won’t accept an applicant if (s)he is on Medicare Advantage. I inquired about CCRCs out of curiosity and they seemed to dislike MAs due to the “pain in the neck” factor...not old enough to be on Medicare, but my research shows that traditional Medicare is the only way to get p...
by drawpoker
Mon Sep 03, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

.... friend I mentioned on the same plan is paying $142 per month for "high option" while we pay $30 for standard. She is not a heavy user of services, so I am sure she does not get the benefit of the most of the extra $112/month that she has been paying for several years. Well, unless your friend ...
by drawpoker
Mon Sep 03, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

Please correct me if I am wrong, BUT I thought that Part D was not, on balance, subsidized. ?? Wow. Medicare Part D is one of the most heavily subsidized programs there is. " Financing for Part D comes from general revenues (78%), beneficiary premiums (13%), and state contributions (9%). The monthl...
by drawpoker
Mon Sep 03, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

kaneohe wrote:
Mon Sep 03, 2018 5:36 pm



how about chemo? 10-20K easily possible
Chemo drugs almost always come under Part B benefits, not Part D, Medicare, because they are administered in physician office (or other clinical setting)
by drawpoker
Mon Sep 03, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

..... low but not low enough to qualify for Extra Help for part D or state medicaid there is a very high probability of getting a hospital to do a charity write off after treating you however the pharmacy is not going give you discounts on high cost drugs.Part D plans are subsidized by the governme...
by drawpoker
Mon Sep 03, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

IMO its better to go without a medicare supplement then without part D because the 20% B charges usually do not amount to much but god forbid you get prescribed a tier 5 drug that can cost 1-10k per month....... Go without a supplement? Well, god forbid you have to be hospitalized. $1,316 Part A ho...
by drawpoker
Mon Sep 03, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

Delmarva. University of Maryland is experimenting with one this year but their network is small. Not only small, but the very few PCP's listed for my area are all 3rd rate ones. I guess you know, then, that the one Johns Hopkins started up a couple years ago got such a huge reception they pulled ou...
by drawpoker
Mon Sep 03, 2018 4:20 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

- the costs (without insurance) may be lower than the cost of even a low cost Part D. I, now, take 3 prescription drugs (get 90 day refills) and those costs are so low for these drugs - it does not even kick in my prescription drug coverage on my Advantage plan. No, you are comparing apples with or...
by drawpoker
Mon Sep 03, 2018 3:32 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

dm200 wrote:
Mon Sep 03, 2018 11:09 am
thought I saw that there are Advantage plans available to 99% of Medicare recipients....
Many of those Advantage plans out there aren't worth a bucket of spit.
jebmke is either in my backyard, or the western mountains of MD.
by drawpoker
Mon Sep 03, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Medicare Open Enrollment Period Coming Soon
Replies: 40
Views: 2548

Re: Medicare Open Enrollment Period Coming Soon

..... since I don't take any drugs, my only decision is whether to keep my "cheapest I could find" placeholder as a catastrophic plan or drop Part D entirely and deal with the penalty if I need to get back in. I don't get your reasoning on this. If you are of Medicare age, just how long is it reali...
by drawpoker
Mon Sep 03, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: UHC/AARP Switching Medigap Plan F---> Plan G Underwriting
Replies: 43
Views: 3385

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

Besides the membership dues, the 4.95% of the premium that AARP rakes in on every Medigap policy apparently comes with the possibility of a "float" on that money, or an opportunity to make even more $$. Which could stretch as much as into two weeks, representing a whole lot of dough. At least accord...
by drawpoker
Sat Sep 01, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5330

Re: $200 cash bonus offer from Citi

I've made $4,650 in bank bonuses between last year and this year. This is from just opening checking and savings accounts and doesn't include credit card bonuses or brokerage bonuses ........ That is quite an astounding amount. Given the timeframe you specify, a 20-month span. Quite a feat. Care to...
by drawpoker
Sat Sep 01, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3967

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: 63
Views: 8840

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: 3967

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: 3967

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: 286

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: 1107

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: 1107

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: 3672

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: 3385

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: 3385

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: 3672

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: 1776

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: 1776

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: 3672

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: 3385

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: 3064

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: 3064

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: 3385

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: 3064

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: 3064

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: 63
Views: 8840

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: 754

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: 4584

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: 3385

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: 63
Views: 8840

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: 1780

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: 1776

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: 1776

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: 1776

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: 754

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: 4279

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: 754

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: 1776

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: 4342

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: 1253

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: 1253

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?