Search found 2024 matches

by drawpoker
Mon Jan 12, 2015 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question
Replies: 11
Views: 1353

Re: Social Security question

Yes, my understanding is that SSA cannot do the "deeming" process for anyone until they have reached age 62 (the time they would be able to start claiming on their own account)

My main worry was whether I should wait out those extra 4 years from when I turn 66 until 70.

Thank you !
by drawpoker
Mon Jan 12, 2015 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question
Replies: 11
Views: 1353

Re: Social Security question

Okay, this is what I was driving at - that tantalizing figure of waiting until age 70 increases your benefit by 8 percent a year. I take it I am understanding this correctly, as you say my PIA would increase by 32 percent (8% x 4 years) by waiting to draw until age 70, right? And this is irrespectiv...
by drawpoker
Mon Jan 12, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security question
Replies: 11
Views: 1353

Re: Social Security question

Sit down with your earnings statement, Excel, and this: http://www.ssa.gov/pubs/EN-05-10070.pdf You'll figure it out. Once you build a nice spreadsheet, you'll spend hours playing around with "what if" scenarios. Thanks, CFM300, for posting the link on using the worksheet. It turned out to be a rea...
by drawpoker
Sat Jan 10, 2015 6:55 pm
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 8374

Re: Mice in the house

(duplicate post)
by drawpoker
Sat Jan 10, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 8374

Re: Mice in the house

The cat is doing his job. Don't waste any time or money on traps, glue boards, etc. If any more mice should enter the living space of your house the cat will take care of the problem. They really enjoy their work. If the mice do not enter the living spaces they will either die, or eventually leave t...
by drawpoker
Sat Jan 10, 2015 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ridiculous closing costs on cash deal?
Replies: 15
Views: 3798

Re: Ridiculous closing costs on cash deal?

As a general rule title companies only give a discount when they are issuing 2 insurance policies - owner's and lender's policies. Since there is no lender involved in the OP's transaction, likely no discount offered. What I found interesting about list is no mention of recordation fees (sometimes k...
by drawpoker
Mon Jan 05, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Servicing new vehicle: Dealer or local mechanic?
Replies: 8
Views: 1146

Re: Servicing new vehicle: Dealer or local mechanic?

I have a Honda Accord and did take it to the dealer for the very first maintenance (oil change) service. Am very glad I did. Altho I was having zero issues apparently they did a load test on the battery for some reason. (Maybe part of the 1st "checkup" ? When I got ready to check out they informed m...
by drawpoker
Mon Jan 05, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: How do I know when I'm Financially Independent?
Replies: 18
Views: 4299

Re: How do I know when I'm Financially Independent?

Everything in life is a gamble. There are plenty of these free calculators out there, you could spend hours every day playing around with the numbers and "what-if". I really think most people will know when the time comes - just have a gut feeling, for lack of better term, that their financial pictu...
by drawpoker
Mon Jan 05, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: If you have more than one bank....
Replies: 5
Views: 1216

Re: If you have more than one bank....

....For security reasons, do you think it's best to only list one bank account with Vanguard, transfer money between banks to the bank on record ..... are you comfortable with Vanguard having info from multiple bank accounts? Thanks. Not quite sure what you are driving at. Never really gave it much...
by drawpoker
Mon Jan 05, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security election change? Q for my 71 yr Mom
Replies: 21
Views: 2806

Re: Social Security election change? Q for my 71 yr Mom

Thanks, JW Nearly Retired, for the eye-opening link. This blows me away, I know several guys with 3 ex-wives, most of the marriages did last 10 years, plus each has a current wife. The guy in the Reuters link who made the observation about switching back and forth among multiple ex-husbands - LOL - ...
by drawpoker
Sun Jan 04, 2015 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security election change? Q for my 71 yr Mom
Replies: 21
Views: 2806

Re: Social Security election change? Q for my 71 yr Mom

Is SSA now giving divorced people this right? Yes. If you have a surviving divorced spouse, he or she could get the same benefits as your widow or widower provided that your marriage lasted 10 years or more. Am I understanding this right? Please clarify. Say, a man drawing old age maximum monthly b...
by drawpoker
Sun Jan 04, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with "American Financial Education Alliance?
Replies: 7
Views: 6098

Re: Anyone familiar with "American Financial Education Allia

Agree !

This sort of disingenuous come-on sounding like some public spirited "citizens alliance" is constantly being launched in my area = have a very high proportion of over-65 population.

skeptical has given good advice - Run in the other direction as fast as you can, LOL !
by drawpoker
Sun Jan 04, 2015 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security election change? Q for my 71 yr Mom
Replies: 21
Views: 2806

Re: Social Security election change? Q for my 71 yr Mom

....... However, if your dad passes away first then your mom should get his benefit in place of her own (assuming it is higher), so it may be worth knowing what he is collecting for that reason. I am now confused. I thought when a beneficiary drawing old age benefits dies, only the widow or widower...
by drawpoker
Wed Dec 24, 2014 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off an Engagement Ring or Contributing to a Roth IRA?
Replies: 26
Views: 3687

Re: Paying off an Engagement Ring or Contributing to a Roth

That's a huge red flag. That's an impulse and budget control problem. ....... went from funding your retirement at 3-5k ring purchase, to potentially not funding your retirement by going through with an $8k purchase. IMO - that's not a casual change in prioritization...... An "impulse and budget co...
by drawpoker
Wed Dec 24, 2014 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 32
Views: 5105

Re: I failed SS login

Thanks, Ron, will give it a try after the holiday. btw, I find it Hugely Hilarious that when the page opens up for the SSA link you provided -- the very first thing that hits the eye is the announcement "Generally, we do not publish the phone numbers of our local offices" Clearly, right hand doesn't...
by drawpoker
Tue Dec 23, 2014 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off an Engagement Ring or Contributing to a Roth IRA?
Replies: 26
Views: 3687

Re: Paying off an Engagement Ring or Contributing to a Roth

Congratulations on getting that ring! Am so glad to hear this news, was kinda wondering what happened since that thread got soooo much interest, then, ooops, padlocked. You absolutely did the right thing, and as the years go by it will be more and more apparent to you than it may be now. As for your...
by drawpoker
Tue Dec 23, 2014 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 32
Views: 5105

Re: I failed SS login

* B U M P * Am bumping this thread back up to delve a bit more. First, a big thanks to whichever boglehead here who recommended getting a copy of your Experian credit report, then cramming for a final exam, before trying again to set up Social Security online account. Finally succeeded today after f...
by drawpoker
Thu Dec 11, 2014 3:13 pm
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 18023

Re: What is the best meal you've had at a restaurant?

Little Publeto, Tucumcari NM, Dec. 1972, a few blocks off Old 66.
by drawpoker
Mon Dec 08, 2014 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14915

Re: Am I being cheap? [wedding/engagement ring]

If my husband had been cheap with me and not treated me like his most important asset, I would not have married him. The ring is very important, and then we went on as partners, and built our life and portfolio together! Buy her the very best if you love her, otherwise, maybe she' not for you! This...
by drawpoker
Mon Dec 08, 2014 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Criteria for choosing mutual, bond, and real estate funds
Replies: 3
Views: 664

Re: Criteria for choosing mutual, bond, and real estate fund

Your list is very good but I would add this : Who is the fund's manager? How long has he had the job? Where did he get his training? Has there been too much turnover in managers, say, looking at 3, 5, 10 year time frames? Ex: TRowePrice small cap value. An absolutely brilliant guy guided that for cl...
by drawpoker
Sun Dec 07, 2014 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14915

Re: Am I being cheap?

...In your opinion, a man is required to spend money in order to be qualified for a marriage. ...... . T H A T is not what I said at all ! Do you take the time to read at all? I said the OP was not good "husband material" based on his woeful lack of knowledge about women, and how women view that ti...
by drawpoker
Sun Dec 07, 2014 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14915

Re: Am I being cheap?

Well, it is very clear it won't be long before this thread gets padlocked. When it has gone so far downhill that now cheapskate men try to justify their refusal to buy a nice diamond engagement ring by yelling equal rights and sex discrimination. Oh, how unjust it is for these poor fellows ! Gimmee ...
by drawpoker
Sun Dec 07, 2014 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14915

Re: Am I being cheap?

.......If she expects him to buy it for her, then it is very much his decision based on what he thinks is wasteful or practical. The whole idea of a man having to buy an expensive ring to win over a woman is sexist and insulting. You are joking, aren't you? Instead of the ring, what do you suggest?...
by drawpoker
Sat Dec 06, 2014 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14915

Re: Am I being cheap?

backpacker, the link you put up primarily relates to jilted suitors. :( :( From the viewpoint of a retail jeweler. Guys who were left at the altar, then think they can get 100% of money back when they try to take ring back to the same place where they bought it 3 or 4 months earlier. :( :( That is n...
by drawpoker
Sat Dec 06, 2014 10:38 pm
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 6972

Re: mother-in-law wrecked our car

The Wizard wrote:I think it will be better to focus on the financial aspects of this event, relating to insurance and possibly out of pocket restitution to the neighbor.
Discussion about reasons for mistaking the various control pedals based on gender and age are a separate issue...


Yup, 2nd that motion
by drawpoker
Sat Dec 06, 2014 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14915

Re: Am I being cheap?

I have never heard of diamonds appreciating in price, not when we are talking about re-sale. Have you ever heard of inflation? Assuming the marriage lasts for many decades and does not go into the divorce crapper in a few short years Also assuming he doesn't overpay at regular retail - yes, many ye...
by drawpoker
Sat Dec 06, 2014 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14915

Re: Am I being cheap?

Let's try and stay on topic here. If the OP can't fathom anything else maybe he can grasp that he is not purchasing a depreciating asset if he does the gentlemanly thing and presents traditional stone. As long as he buys a top quality, high grade solitaire he is acquiring an asset that will apprecia...
by drawpoker
Sat Dec 06, 2014 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 14915

Re: Am I being cheap?

[quote="randomthrowaway"] ....She is caught up in what all her friends are doing or, should I say, receiving from their boyfriends/husbands. I've talked her down a little bit; however, she still would like a 'nice ring that she likes.' I don't understand it; I don't even care for jewelry and would p...
by drawpoker
Fri Dec 05, 2014 9:58 pm
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 6972

Re: mother-in-law wrecked our car

...thanks for that link....quick skim shows (all quotes): "older females accounted for 6% of all crashes and 24% of pedal misapplication accidents." If so, then that means 76% of pedal misapplication accidents were caused by other than "older females". Who were they, then? Younger females? Male dri...
by drawpoker
Fri Dec 05, 2014 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning: Estimating Med-Insurance Costs
Replies: 12
Views: 1371

Re: Retirement Planning: Estimating Med-Insurance Costs

Assuming that Medicare will continue with current level of benefits, many studies show that one should plan to spend $10,000 per year per couple after Medicare. I plan on spending exactly $ 00 per year "after Medicare" Because I am planning on being dead "after Medicare" :wink:
by drawpoker
Fri Dec 05, 2014 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

Okay, maybe this will convince you From page 21 of the report: 5. Premiums for plans in states where the majority of policies were issue‐age rated were about 7 percent lower than plans in states where the majority of plans were attained‐age rated. Here's the full link: http://aspe.hhs.gov/health/rep...
by drawpoker
Fri Dec 05, 2014 2:49 pm
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 6972

Re: mother-in-law wrecked our car

......In our state, the accident is tied to the car owner, not the driver. Well, I guess we could all make endless mother-in-law jokes about this episode. But I won't, seeing from your avatar you are a fellow Wolverine. I am puzzled by your statement about who the accident is "tied to". With auto i...
by drawpoker
Fri Dec 05, 2014 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning: Estimating Med-Insurance Costs
Replies: 12
Views: 1371

Re: Retirement Planning: Estimating Med-Insurance Costs

Agreed.

How can anything be projected when we don't know what changes Congress will make to Medicare? We just dodged a bullet with Plan F. Cost -sharing for that Plan was scheduled to go into effect in 2015 but got put on hold for now.
by drawpoker
Fri Dec 05, 2014 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

Professional planners recommend buying Medigap insurance from companies using the issue-age method of rating if you can find them. It is the best way to buy this particular type of insurance over the longterm, and will cost you significantly less money in later years than the other 2 rating methods...
by drawpoker
Fri Dec 05, 2014 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

I just learned the hard way an important lesson about Medicare HMO options. If your medical facility drops your health plan, be very careful about which Medicare plans they will accept Jan. 1st..was given incomplete information ..... signed up for one of UHC Medicare plans, only to find out .... wa...
by drawpoker
Fri Dec 05, 2014 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

Yes, if your husband is currently seeing doctors about every month, then Plan F would seem the smart choice. Get him in before that window closes on open enrollment and medical underwriting descends on him. This is a good time to point out that the medical underwriting considerations do vary somewha...
by drawpoker
Thu Dec 04, 2014 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

...... curious why there is no mention here of Plan N. In central Connecticut, it's $75 / month cheaper than Plan F and for someone in (relatively) good health so it seems a no brainer. $900 / year savings can pay for a lot of 20% copays if you require more than a few MD visits...... . Okay, but be...
by drawpoker
Thu Dec 04, 2014 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

Also need to make a correction to an earlier post of mine It is not the AG of the state of CT that has brought lawsuit against the MA insurer, it is the local medical societies that are the plaintiffs. It is a CT Congressman who co-sponsored the pending legislation in Congress to prohibit the practi...
by drawpoker
Thu Dec 04, 2014 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

I'm going through the exciting learning curve on Medicare options ....wondering if a Medicare Advantage plan.....pondering Medigap insurance ....... Another thing you may want to consider is the historical trend on annual premium increases for Medigap policies versus MA. The last 5 years reflect a ...
by drawpoker
Thu Dec 04, 2014 11:35 am
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 13321

Re: Where do you shop for groceries?

What is your definition of groceries? Food items sold for whose consumption? Human? Or otherwise?

I spend more $$$ every month on the many feline mouths I feed than I spend on my own food

So my answer is:

internet - w/free shipping, no sales tax
by drawpoker
Thu Dec 04, 2014 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

........As a specific question to others with original Medical plans, do you generally see Part B Excess Charges? ... As pointed out by cheese-breath it greatly depends on the area where you are. In the DC/Annapolis/ Baltimore area I see it more with the specialists than the PCP docs. (My GYN-Oncol...
by drawpoker
Wed Dec 03, 2014 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: ACA & Medicare plus Roth Conversion
Replies: 10
Views: 1504

Re: ACA & Medicare plus Roth Conversion

drawpoker wrote:I can't answer why the gubmint decided to monkey around with people's birthdays. Maybe there is a retired SSA person on here who knows the background of it ?

by drawpoker
Wed Dec 03, 2014 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

dm200, not quite sure what you mean about inaccuracy and bias regarding Medicare Advantage opinions. ???? You are very fortunate to live in one of the large urban areas where the Kaiser Health org operates. I agree they are top-shelf, and continue to get high marks in both customer satisfaction and ...
by drawpoker
Wed Dec 03, 2014 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: I think I might have goofed.........
Replies: 15
Views: 3182

Re: I think I might have goofed.........

They particularly seem to prey on the elderly. There have been various cases in the local newspaper about older clients having large sums of money stolen by attorneys. Ha! Lucky you! You must live in a state where there is much more transparency, public records laws have more teeth, as far as how l...
by drawpoker
Wed Dec 03, 2014 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about Will and Trust for minor dependents.
Replies: 2
Views: 650

Re: Questions about Will and Trust for minor dependents.

Definitely have an experienced lawyer who comes highly recommended do this. This is nothing for an amateur, or cheap forms from LegalZoom and the like. You can't draw up a will based on a "common accident" which kills you both at the same time. This possibility is always addressed in the language of...
by drawpoker
Wed Dec 03, 2014 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 4483

Re: Medicare signup

Yes, there is a lifetime cap of $50,000 on the Plan F foreign travel. And don't forget the $250 deductible. This is the only time Plan F coverage carries a deductible to be met before paying. One thing that hasn't been made clear here. The major difference between Medicare and a Medicare Supplement ...
by drawpoker
Wed Dec 03, 2014 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: I think I might have goofed.........
Replies: 15
Views: 3182

Re: I think I might have goofed.........

I.....don't know what to say about finding an honest lawyer. Do NOT use the local bar association referral services. I did that when I was originally looking for a lawyer and they sent me to a crook who was later put in jail. Fortunately, he was obviously a crook, so I left his office after about t...
by drawpoker
Wed Dec 03, 2014 11:54 am
Forum: Personal Finance (Not Investing)
Topic: I think I might have goofed.........
Replies: 15
Views: 3182

Re: I think I might have goofed.........

There is no need for Vanguard to become involved in writing YOUR will. However, there is an account registration type called "Payable on Death" or "Transfer on Death" that bypasses the terms of the will. That would be the only reason I can imagine Vanguard needing to get involved - Of course Vangua...
by drawpoker
Wed Dec 03, 2014 11:28 am
Forum: Personal Finance (Not Investing)
Topic: ACA & Medicare plus Roth Conversion
Replies: 10
Views: 1504

Re: ACA & Medicare plus Roth Conversion

I can't answer why the gubmint decided to monkey around with people's birthdays. Maybe there is a retired SSA person on here who knows the background of it ? As for why everything is effective on the first of a month I am guessing that when social security was set up no one wanted the headache of fo...
by drawpoker
Tue Dec 02, 2014 9:37 pm
Forum: Personal Consumer Issues
Topic: tipping rubbish pickup people and letter carriers
Replies: 56
Views: 5006

Re: tipping rubbish pickup people and letter carriers

Tipping is a volunteer act. But if you do decide to tip, give them money. Unless you know the recipients closely, don't impose on them your tastes in chocolate, six-packs, etc. Especially, if you tip them, because you think they are underpaid. Victoria Close, but no cigar Victoria. Unless ------ Gi...