Search found 1620 matches

by drawpoker
Tue Mar 21, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Dizzying Medicare options [in Massachusetts]
Replies: 64
Views: 4982

Re: Dizzying Medicare options

I'm researching medicare options for my situation and income in MA and they are a bit dizzying...... Well, that is one word for it. Dizzying. Have heard other terms used. But we can't repeat here in a family internet forum. Since you say you have done some research - you now know you are in one of ...
by drawpoker
Tue Mar 21, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

OP, could you say specifically what type of transaction....or was it that you couldn't get on to initiate a transaction? I discovered in mid-February I could not log-on to my account, kept getting error messages. Thought it was some temporary glitch with the Citicards dot com website but after 2 we...
by drawpoker
Mon Mar 20, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Valspar mix Reserve and Optimus
Replies: 2
Views: 549

Re: Valspar mix Reserve and Optimus

Most significant feature of the more expensive Valspar brand is that it is the only one of the non (or very low) VOC paints that Ace chain carries. For amateurs doing their own paint jobs this can be important. To avoid the headache and having to smell the strong odor that can last for days after co...
by drawpoker
Sun Mar 19, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Spin scrubbers
Replies: 4
Views: 976

Re: Spin scrubbers

.............. considering buying one of the battery powered spin scrubbers that I have seen advertised on TV. I have seen spin scrubbers by Hurricane and Clorox advertised...... DMW Whenever anyone speaks of products advertised on TV am not sure what exactly they are referring to. Over the years I...
by drawpoker
Sun Mar 19, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

.... I'm skeptical that even the credit card company typically knows the items in your shopping cart, let alone your auto insurance company. The article merely quotes some individual's assertion. True enough. But this individual is not just some guy occupying a bar stool next to you. He is a high h...
by drawpoker
Sun Mar 19, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2968

Re: Do you purposely spend on products/services with companies that are in your investment portfolio?

No. It would be far too time-consuming to keep up with a list. Like if am stopping on the highway for lunch and there is a choice between Appleby's or TGIF - would I remember which one is a holding in which fund? And, conversely, I do not waste time trying to weed out funds that have holdings in cer...
by drawpoker
Sun Mar 19, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

Wait? Does the credit card even know what you are purchasing? Or do they just know that you spent $X at store Y on date Z? How do you know what level of information they have? Scroll down about 7 or 8 graffs here for your answers: http://www.npr.org/2015/05/08/403598235/being-a-loyal-auto-insurance...
by drawpoker
Sat Mar 18, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 20259

Re: Best place to get eyeglasses / no vision insurance

Medical insurance will typically not cover simple vision exams. But if you go to the ophthalmologist and tell them your eyes feel a little dry sometimes, then that would be covered as a medical visit and you can get a glasses prescription at the same time. True enough. But Medicare will only cover ...
by drawpoker
Sat Mar 18, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

Well, um, yes, getting Discounts is A Good Thing Getting coupons for the things you buy regularly is Good. Having your premium for your auto and HO policies raised because they think you will meekly accept - Not Good. It is Bad. (Re-read the post. I don't think you are fully getting it)
by drawpoker
Sat Mar 18, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

I have the original Blue Cash (5% gas and groceries). The only uptick in marketing mail I've noticed is clearly labeled as AmEx related. You will receive AmEx travel, AmEx "wine of the month" club (and similar "luxury" items), AmEx high-yield saving accounts, and other similar offers. But it all ha...
by drawpoker
Sat Mar 18, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

Thanks, mudpuppy. That could be, I dunno where all the PNC bank branches are. What I do know - Something is still clearly gone completely haywire with Citicard if this is how they conduct the online bill paying feature for customers. Yikes. I am through with them, and I would recommend that anyone e...
by drawpoker
Sat Mar 18, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 20259

Re: Best place to get eyeglasses / no vision insurance

Relax, it was not actual "criticism" of the mods at all - just another take on "I see" said the blind man. Just could not resist the obvious joke here just begging to be voiced - the juxtaposition of a thread concerning the need for reading glasses, and being able to use the handy-dandy emoticon of ...
by drawpoker
Sat Mar 18, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 20259

Re: Best place to get eyeglasses / no vision insurance

I wonder, though, if the OP is on Medicare instead of regular health insurance.

Speaking of needing glasses - What's wrong with the mods here? Surely, I thought by now they would have yanked this thread out of Finance and put it in Consumer folder :shock:
by drawpoker
Sat Mar 18, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

Good to hear the payment went through your account. And just as an FYI, e-checks are one sub-type of ACH payments. They use the ACH network for payment processing, but are marked as electronic checks instead of direct debits: http://echeck.org/what-is-an-echeck/ Nope, this was the strangest thing I...
by drawpoker
Sat Mar 18, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

Have gotten offers from Fidelity but really don't want to open any more new accounts right now. As for perks, am very very glad I opened up the Amex Blue Cash Everyday card in January before all this mess happened with Citicard. Am using it everywhere except the local animal hospital - they won't ta...
by drawpoker
Sat Mar 18, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 20259

Re: Best place to get eyeglasses / no vision insurance

Whatever you do - Don't buy your new glasses at the eye doctor who performed your exam. They will try and steer you to these grossly-overpriced lenses and frames. By law, they have to give you your prescription before you walk out. Lens Crafters has frequent sales and tons and tons of choices in fra...
by drawpoker
Sat Mar 18, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

This is one of my concerns with viewing statements and paying bills online. I have considered just having credit card bills mailed to me. Is it worth saving a stamp to possibly have my credit score hurt by a late payment due to issues on their end or mine Late payments could also occur due the lous...
by drawpoker
Sat Mar 18, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

For the same reason so many other Citi customers got locked out - some software glitch with the Citi website that went on for weeks without being resolved. I have this exact card and have had no issues accessing my account online, so am wondering what the issue is/was. Don't know, the tech support ...
by drawpoker
Sat Mar 18, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

Okay, so I get locked out of my online access with my Citicard rewards card back in February. so they locked you out of your own account......for what reason? Just seemed there was info missing here (to me). For the same reason so many other Citi customers got locked out - some software glitch with...
by drawpoker
Fri Mar 17, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 4969

Re: Medical treatment in US for non US citizen

Um, er, Alto Astral, didn't I specifically post OP should appeal to "congressman" Not U.S. senator. Largely because of just exactly what you posted re: experience with senators on this sort of thing. Congress/men/women are much, much more approachable on this sort of thing. Since they represent a na...
by drawpoker
Fri Mar 17, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Health care costs in retirement calculator
Replies: 3
Views: 637

Re: Health care costs in retirement calculator

I wouldn't consider relying on either one of them. Based on the source. Fidelity, since they are in the business of selling mutual funds and other investment products, will use scare tactics to try and influence people to invest with Fidelity right away. In order to start building reserves to have t...
by drawpoker
Fri Mar 17, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 4969

Re: Medical treatment in US for non US citizen

..... would be prudent for government to release names of Medicaid and Welfare rolls, I know of few people with substantial assets overseas but get Medicaid and welfare. To clarify: For the states who adopted Medicaid expansion under the ACA assets are no longer counted. Eligibility goes strictly b...
by drawpoker
Fri Mar 17, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Medical treatment in US for non US citizen
Replies: 50
Views: 4969

Re: Medical treatment in US for non US citizen

..... would be prudent for government to release names of Medicaid and Welfare rolls, I know of few people with substantial assets overseas but get Medicaid and welfare. To clarify: For the states who adopted Medicaid expansion under the ACA assets are no longer counted. Eligibility goes strictly b...
by drawpoker
Fri Mar 17, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Re: Citi card Nightmare

Thanks, Jack, stopped using Citicard and switched to AmEx Everyday Blue Cash instead.

I just want to know how to protect myself if they never follow thru on drafting my account for the March 16 payment.
by drawpoker
Fri Mar 17, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 10276

Citi card Nightmare

Okay, so I get locked out of my online access with my Citicard rewards card back in February. I then see lotsa posts on the internet where Citi is having chronic technical issues with website and hordes of customer complaints. so, am thinking, okay, I can wait it out. Nope. After two marathon phone ...
by drawpoker
Fri Mar 17, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: help deciphering Social Security code annotations
Replies: 13
Views: 1337

Re: help deciphering Social Security code annotations

True enough.

But the thrust of this thread concerned a "widowed elderly person who is well into her eighties".

Do any of those circumstances regarding multiple beneficiaries on a deceased worker apply here? No.
by drawpoker
Fri Mar 17, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: help deciphering Social Security code annotations
Replies: 13
Views: 1337

Re: help deciphering Social Security code annotations

......you are in the opposite position of me. You started your survivor's benefits first and will eventually switch to your own benefits, and at that point I would expect your benefit annotations will change your own SSN followed by A. But your situation will be very clearcut at that point, because...
by drawpoker
Fri Mar 17, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: help deciphering Social Security code annotations
Replies: 13
Views: 1337

Re: help deciphering Social Security code annotations

The code "D" you are referencing commonly stands for "deceased". Not code for "elderly widow", altho SSA sometimes uses that terminology. It would appear after the 9-digit social security number of the deceased worker's account the benefits are being paid out of. If your friend is receiving benefits...
by drawpoker
Thu Mar 16, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2224

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Think you are confusing some crucial terms here. "Renovation" of a residence is defined quite differently than "Improvements" of a residence. Do some digging. Anyway, the thread is drifting off-topic, so we shall just have to agree to disagree on this, right. Me being a truly battle-scarred veteran ...
by drawpoker
Thu Mar 16, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2224

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Well, that is all very nice, but it still does not address the actual question re: roof replacement If you replace your leaky roof at the same time you put $70,000 into a new bath, kitchen re-model, and a sunroom, do you get to add the total cost of the new roof? Um, er. Don't think it will pass mus...
by drawpoker
Thu Mar 16, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2224

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Yes, you are right, of course. If you are living in that stratosphere of being smart enough to have bought such a house 20 years ago which now has a market value that high when being sold now. That is just not, um, my neighborhood :wink: Getting back to the OP's query - forgot to mention this - he m...
by drawpoker
Thu Mar 16, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2224

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

In the NYC area and other HCOL places.......And replacing a roof, in many cases, can be a capital improvement, particularly if it is coupled with other major capital projects (you get to add non-capital projects with capital projects if done together). Source? Link for this, please? Apples to apple...
by drawpoker
Thu Mar 16, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Rising cd rates
Replies: 11
Views: 2510

Re: Rising cd rates

The risk is: Yes, there can be loss of principal, i.e., your share price may decline when interest rates rise. In bond funds, prices move in inverse relation to interest rates. But - if you are using this as your EF kitty, you should be re-investing all dividends and cap gains, not using them for cu...
by drawpoker
Thu Mar 16, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Rising cd rates
Replies: 11
Views: 2510

Re: Rising cd rates

Yes, that is a GinnieMae fund. :)
by drawpoker
Thu Mar 16, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2224

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Replacing a roof is not considered by the IRS to be a capital improvement and can be added to your cost basis when selling. It is considered to be routine maintenance and repair instead. Updating and remodeling a kitchen, a bath, adding a room - yes, those are the types of expenses that the IRS allo...
by drawpoker
Thu Mar 16, 2017 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Rising cd rates
Replies: 11
Views: 2510

Re: Rising cd rates

Why think of parking your emergency fund in a CD, anyway? If you had an emergency and needed to tap the money, ooops, there are those nasty penalties for early withdrawals, right? Rather than lock up your money for 17 months for 2% - just put in a GinnieMae fund. Your yield will be more than 2%, you...
by drawpoker
Thu Mar 16, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"
Replies: 22
Views: 2224

Re: "Can I Throw This Financial Paperwork Out?: What to shred, what to save, and where to save it"

Re: What you asked about - Your Will (original) should most definitely NOT be kept in a safety deposit box at the bank. It should be either in your attorney's office safe, or, if you live in one of the states that has an old-fashioned constitutional office known as "Register of Wills" your attorney ...
by drawpoker
Thu Mar 16, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I invest or save for the next few years
Replies: 14
Views: 1454

Re: Should I invest or save for the next few years

I’m 27 years old..... have $82k sitting in savings accounts. The plan was to buy a small first home to start building equity. But I’m currently single..... Not sure if you are articulating your reasons for thinking of buying a home. "Building equity" used to be pretty much a sure thing for earlier ...
by drawpoker
Wed Mar 15, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: CCRC [Continuing Care Retirement Community]
Replies: 10
Views: 1831

Re: CCRC [Continuing Care Retirement Community]

My parents lived in one of these and transitioned thru all 3 phases- indep living, assisted living, and the skilled nursing care section eventually. That is when I learned that "luxurious, carefree retirement living" in a upscale CCRC does not equate with quality in the nursing care being dispensed....
by drawpoker
Tue Mar 14, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 9946

Re: What Do You Keep In Your Bank Safe Deposit Box?

I was told at a local SunTrust branch that they were phasing out safety deposit boxes.... Do any banks still require two keys to open a box........ How can you withdraw large amounts of cash when the teller is giving you the fish eye? Hmmmm, maybe with that kind of thinking, is one reason the SunTr...
by drawpoker
Tue Mar 14, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Use ROTH IRA to pay down Rental Property Mortgage?
Replies: 21
Views: 1879

Re: Use ROTH IRA to pay down Rental Property Mortgage?

I wouldn't. Why the urgency to get rid of the mortgage? At your relatively young ages the money in your Roth should be invested 100% in equities. Surely, your returns in this raging bull market are way way more than the interest rate on the mortgage, aren't they? Or, are you contemplating this becau...
by drawpoker
Tue Mar 14, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Labcorp Bill
Replies: 6
Views: 982

Re: Labcorp Bill

Apparently they have gotten so flustered and overwhelmed with the continuing accusations of over-billing and fraud -- some of their people in the business offices are now super inept and careless. :P They haven't billed Medicare or my Medigap Plan F (yet) for some expensive and involved diagnostic t...
by drawpoker
Tue Mar 14, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Labcorp Bill
Replies: 6
Views: 982

Re: Labcorp Bill

LabCorp has got a very bad reputation and has been mired in legal troubles/lawsuits over fishy billing practices since 2007. Apparently, they make money from confused and/or elderly people who will pay the invoices not realizing they have insurance that will pay. In fact, it is so bad there is an en...
by drawpoker
Sun Mar 05, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Searched forum, unsuccessful, how to find doctors who take Medicare
Replies: 62
Views: 4746

Re: Searched forum, unsuccessful, how to find doctors who take Medicsre

It seems the OP's problem is two-fold - the failure of his retiring doctor to make any efforts to transition patients to a new practice; and finding doctors who are taking on new patients regardless of type of insurance. Doing a database search to see who takes Medicare and who doesn't is going to b...
by drawpoker
Sun Mar 05, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap F vs F High Deductible decision
Replies: 34
Views: 2964

Re: Medigap F vs F High Deductible decision

..... Excess charges can be 15% more than what Medicare allows for Part B services. I'm new to Medicare so I don't have any experience with excess charges......What's the worst case for excess charges? A whole lot of MRIs and specialist visits? No. A whole lot of surgeries with anesthesiologists/on...
by drawpoker
Sat Mar 04, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: SS survivor benefits
Replies: 2
Views: 571

Re: SS survivor benefits

....wife passed away 2 years ago...think I can file for SS survivor benefits at age 60 at a reduced amount and retire early....... Yes, but be sure you understand the "reduced" amount by drawing spousal/survivors as soon as you are eligible means the benefit is 71.5 % of her social security. Not th...
by drawpoker
Sat Mar 04, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: modeling expected healthcare costs with Medicare
Replies: 37
Views: 2227

Re: modeling expected healthcare costs with Medicare

If the OP is only in "mid-fifties" in age - as posted - seems kind of pointless to try and project an estimate of what monthly Medicare-related costs will be in 10 years, isn't it. Just too many unknowns. Wait until you are about 4 or 5 years away from Medicare. (What difference would it make? You w...
by drawpoker
Thu Feb 02, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: New Heat Pump - Single Stage vs. Multi-Stage
Replies: 13
Views: 4012

Re: New Heat Pump - Single Stage vs. Multi-Stage

This subject is real sore point with me - made the mistake of not understanding the real difference between single stage and two stage function when I replaced my heat pump 10 years ago. Definitely, no question, unequivocally, go with the 2 stage technology. Unless you like having cold air blast at ...
by drawpoker
Sat Jan 28, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Mom wants an air fryer?
Replies: 29
Views: 3954

Re: Mom wants an air fryer?

Have also been pondering a purchase of one of these. Was confused about the wide range of prices for what looked like about the same sizes. Turns out that the high end (Phillips brand) was in the $300 range because it works 30% faster than the $69 or $100 models. Here's a recent (Dec 2016) list of t...
by drawpoker
Fri Jan 27, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Goof on Vanguard 1099-DIV -Anyone Else?
Replies: 6
Views: 1063

Re: Goof on Vanguard 1099-DIV -Anyone Else?

As a rule, you'd really want to avoid mutual funds which are likely to declare moderate to large short-term capital gains distributions in a taxable account. There's really nothing good that comes of short-term capital gains distributions--they're pretty much the worst of the worst as far as I'm co...