Search found 2024 matches

by drawpoker
Sun Aug 19, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Side Jobs while on Social Security?
Replies: 11
Views: 1544

Re: Side Jobs while on Social Security?

Of course, you are right. Typing E instead of SE. Attribute to typing too fast. :oops:

After all, after years and years of filing both C and SE, know better.
by drawpoker
Sun Aug 19, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 5727

Re: What kind of medical events that may ruin your retirement?

You didn't understand. Your statement needs correction too. See here: https://medicare.com/medicare-supplement/do-medicare-supplement-plans-cover-foreign-travel/ I have a medigap policy. For domestic, it only supplements what medicare pays, like you said. Outside of USA, my medigap policy covers ma...
by drawpoker
Sun Aug 19, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: PCP Wants Full Charge Up Front [Primary Care Physician]
Replies: 108
Views: 6754

Re: PCP Wants Full Charge Up Front

this often has to do with high-deductible health plans. If you have a $20 copay but have not met your deductible, you are responsible for the full amount after any insurance discounts. Some doctors are not collecting any money besides the copay from patients on high-deductible plan because they dec...
by drawpoker
Sun Aug 19, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Side Jobs while on Social Security?
Replies: 11
Views: 1544

Re: Side Jobs while on Social Security?

... For substitute teacher you can pick your own days, list the days you want off, list the ages and which schools you'll go to, and it's usually scheduled online or with a morning phone call..... Perhaps this is true for your area. (?) But for most school districts asking for these limitations upf...
by drawpoker
Sun Aug 19, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 5727

Re: What kind of medical events that may ruin your retirement?

This is essentially this thread about, retiring abroad (or travel around the world) and paying for expat health insurance (or paying by cash with self insurance). My concern is how to pay for some serious medical problems, such as cancers, organ transplants, or many other serious problems discussed...
by drawpoker
Sun Aug 19, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 5727

Re: What kind of medical events that may ruin your retirement?

Generally, Medicare doesn't cover outside of the US. But many medigap policies will. Need to check all the details. That is a silly statement. Needs correction. Medigap policies only work in tandem with Medicare. Medigap provides supplementary coverage to treatment that is covered by Medicare. If i...
by drawpoker
Sun Aug 19, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Side Jobs while on Social Security?
Replies: 11
Views: 1544

Re: Side Jobs while on Social Security?

Don't forget, as an indep. contractor, you will have to file and pay Schedule E (self-employment tax) on this side income. Self-employed person's FICA tax rate for the year 2018 consists of the Social Security tax of 12.4% (6.2% + 6.2%) of the first $128,400 of net income plus the Medicare tax of 2....
by drawpoker
Sat Aug 18, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Cannnot send a message to Vanguard.
Replies: 15
Views: 2236

Re: Cannot read messages from TRowePrice

^^^ I don't use T RowePrice, but I would recommend: Disable all extensions and be sure to check that pop-up messages are not blocked by your browser. Are cookies enabled? Aren't extensions only applicable to Chrome? (Installing them without permission) This happens when I use IE and Mozilla as well...
by drawpoker
Sat Aug 18, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Cannnot send a message to Vanguard.
Replies: 15
Views: 2236

Cannot read messages from TRowePrice

No problems with VG, but for some reason when I click on a "new message" at TRowePrice inbox the message never opens up, the box just shows a Big Blank. Have tried re-loading page, switching browsers, looking up in "Help" but "Help" has nothing pertaining to this. :?: Then, when I go back in, it sho...
by drawpoker
Sat Aug 18, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: TRowePrice's Future Path planning tool
Replies: 13
Views: 1778

TRowePrice's Future Path planning tool

Anybody use "Future Path" and know how to go in and change/delete assets after you have set up both Main Path and Alternates? There doesn't seem to be any Help button or tutorial to tell you how to do this. :? Am wondering if - since the user is apparently able to create unlimited Alternate paths (t...
by drawpoker
Sat Aug 18, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off personal loan at house closing?
Replies: 12
Views: 983

Re: Pay off personal loan at house closing?

It would seem this is the smartest way to handle the repayment. Presumably, there were no formal loan documents drawn up? At least it sounds like that from the way you described the arrangement. Lacking that proof that this was indeed a bona fide loan - no one wants to draw the attention of the IRS....
by drawpoker
Wed Aug 15, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 2321

Re: Are merchants more (too) careless these days?

Oh? IOW, just because workers are in jobs that pay minimum wage, the work is both repetitious and boring, and they display indifference/discourtesy to customers when a price is rung up wrong --- The buying public should just overlook all this, write it off as this is just the way things are, and not...
by drawpoker
Tue Aug 14, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare by credit card
Replies: 10
Views: 1165

Re: Paying for Medicare by credit card

Isn't one of the 4 ways is to put your premiums on auto bank draft? Monthly or quarterly? Am curious why you would even want to use a c.c. After all, it is not as though you are going to be in a position where you wish to dispute a charge with a merchant. If its rewards points you are thinking, bett...
by drawpoker
Tue Aug 14, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 2321

Re: Are merchants more (too) careless these days?

...... FedEx the replacement, though by the time it arrived I was no longer there to receive the package. The person who did informed me that the FedEx package was somewhat bent........resulted in the print itself having a slight bend. This was an issue as the 8"x10" reprint was intended for framin...
by drawpoker
Mon Aug 13, 2018 11:33 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 2019

Re: What is the best way to determine if one should buy something or save their money?

OP, I remember your previous threads - they made quite an impression https://www.bogleheads.org/forum/viewtopic.php?f=1&t=215204. Do you now have a source of income besides your parents, and a budget to live off of? Can answer that one for him - A resounding "No" Looks like you didn't dig back far ...
by drawpoker
Mon Aug 13, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 973
Views: 104957

Re: [What TV Show Have You Recently Watched?]

Impractical Jokers on TruTV channel. Every day, never miss it. Never disappoints!
by drawpoker
Mon Aug 13, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 2019

Re: What is the best way to determine if one should buy something or save their money?

stoptothink wrote:
Mon Aug 13, 2018 8:14 pm
Before responding, everybody should do a search of OP's prior threads for some context. Entertaining is all I'll say.
Ahhh, I see, said the blind man. As he picked up hammer and saw.

(Good sleuthing work, stoptothink :!: "Now, That's Entertainment"

8-) 8-) 8-)
by drawpoker
Mon Aug 13, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 2019

Re: What is the best way to determine if one should buy something or save their money?

I think you have answered your own question here. If you are already wondering if you "should" buy something or "save" the money - Likely you won't be able to enjoy the new product fully, derive full pleasure. Because you will always have that lingering doubt did I make the correct decision (?) If y...
by drawpoker
Mon Aug 13, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25837

Re: most compelling TV character ever

Alice Kramden

2nd place winner: Gracie Allen

3rd : Fred Sanford
by drawpoker
Mon Aug 13, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7887

Re: Marriage [How should finances be handled?]

Interesting here how nearly everyone (except a mod) has jumped in with opinions re: combining finances Interesting as the OP did not ask anything at all on that, rather he asked specifically about investing/saving/ paying off student loans and taxes. Looks like this one has derailed almost immediate...
by drawpoker
Mon Aug 13, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 3205

Re: Should I Do This? [borrow from relative to pay off loan]

TomatoTomahto wrote:
Mon Aug 13, 2018 12:54 pm
......please let us know which episode of Judge Judy you’ll be on; this is a perennial script on the show.
^

This
by drawpoker
Mon Aug 13, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6954

Re: Paper checks yes or no?

On the infrequent occasion that I need a check, I stop in my credit union for a no fee cashiers check. My bank statement this month carried this notice: "Effective August 18, 2018, PNC Visa Gift Cards and Money Orders will no longer be available for purchase." Since they call cashiers checks "money...
by drawpoker
Mon Aug 13, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: If USPS runs at a loss, how can Junk mail subsidize First Class?
Replies: 6
Views: 1126

Re: If USPS runs at a loss, how can Junk mail subsidize First Class?

Has anyone ever heard of the p.o. holding back a large junk mail delivery and delaying it to increase "volume" on a certain day? That is the explanation I was given last week when our Wednesday mail did not contain the regular, Wednesday delivery of the stores ads for our area (supermarkets, drugsto...
by drawpoker
Mon Aug 13, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2646

Re: What's the reason you would buy reading glasses at...

I was reading some of your postings and I wonder......WHY would you buy reading glasses ? Is it for economical reasons? and then,how often do you replace them? Although they are called "readers" or "reading" glasses people commonly use them for any close-up work. Like mouses when giving cat pedicur...
by drawpoker
Sun Aug 12, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 162
Views: 14528

Re: What I spent in 6 months on medicare

Wow. Guess it could be said you are within not just a HCOL area - but that special area known as HHMCOL Those Plan G prices you encountered two and one-half years ago.... :shock: Beware : H igh H ellish M edicare C ost O f L iving HHMCOL Yikes Oughta be designated as an official Danger Zone :x
by drawpoker
Sun Aug 12, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1686

Re: Understanding Medicare Options?

..didn’t know I needed to provide so much individual info....only wanted general info....am 62 and live in Georgia... See, that's exactly the point . With Medicare there is really no " general information". As hesson11 and others have posted, this stuff is complex. Nothing for amateurs to fool with...
by drawpoker
Sun Aug 12, 2018 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1686

Re: Understanding Medicare Options?

Ramblin' wrecks DO keep on ramblin'..........Yellowjacket1, I implore you........ complex issues......... True, but to be charitable we really don't know just what type disability, and associated medical issues, the OP may be dealing with. (TBH, in my case, after having to go under general anesthes...
by drawpoker
Sun Aug 12, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 162
Views: 14528

Re: What I spent in 6 months on medicare

hesson11 wrote:
Sun Aug 12, 2018 8:11 pm

........ AARP United Plan L Supplement = $1,540).
Wow. You're paying $128 a month for Plan L?

In many areas of the U.S. people are buying G for around $101
How long have you had Plan L?
by drawpoker
Sun Aug 12, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1686

Re: Understanding Medicare Options?

Thanks....Yes, I am on SSDI and am recovering from a major health issue that could reappear at any time. Will have the opportunity to go on Medicare........ Okay, thanks for clearing that up. You indeed have some real concerns here. You do not want to rush yourself and mess up with a bad choice you...
by drawpoker
Sun Aug 12, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1686

Re: Understanding Medicare Options?

Nope. It is still nuts.

Very bad advice
by drawpoker
Sun Aug 12, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1686

Re: Understanding Medicare Options?

I believe that you qualify for Medicare after being on SSDI for two years. I believe the medicare choices and evaluation of those choices would be about the same whether on SSDI or age 65. That is really nuts. If you are in bad health the last thing you need is to set yourself up for an automatic O...
by drawpoker
Sun Aug 12, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1686

Re: Understanding Medicare Options?

Oh, boy, now I am confused. Judging from this post in another thread, the OP is not at all in good health. Being on SSDI puts a whole another complexion on this. Unless there are two different Yellowjacket1 (s) buzzing around here..... :?: ------------------------------------------------------------...
by drawpoker
Sun Aug 12, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1686

Re: Understanding Medicare Options?

While I liked my former PCP, now (with 20/20 hindsight) I have concluded changing to all new Physicians was a plus. None of the new/current Physicians are a medical step down and there is only one specialist that I actually miss. Fine. But only the OP can make that decision. No one (especially on a...
by drawpoker
Sun Aug 12, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Medicare Options?
Replies: 39
Views: 1686

Re: Understanding Medicare Options?

All good suggestions here, Yellowjacket1, but you can save yourself a lot of time and wasted effort by starting with your doctor's office. You Do have a PCP you regularly see, right? Ask the billing/business office person which Medicare Advantage plans the doctor accepts. If you are told, sorry, non...
by drawpoker
Sun Aug 12, 2018 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 5847

Re: Medicare Supplement Companies

Thanks for the interesting link. It would be nice if it gave a more granular look at premium increased by area and plan letter....... Another thing to consider is how often a company raises premiums.......was hard to detect a pattern.....suppose it's possible that some companies have smaller increa...
by drawpoker
Sat Aug 11, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6944

Re: "Dollar Tree Store" favorites

.....Week old Sunday newspapers if needed for coupons please explain how your local Dollar Tree store is able to give away old Sunday newspapers (or ANY newspaper for that matter) :?: :?: :?: :?: Who said they give them away? They are, wait for it ---------------------------------------------------...
by drawpoker
Sat Aug 11, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6944

Re: "Dollar Tree Store" favorites

Since you submitted the longest list - have selected your's for a safety critique. Huge size ziplocks okay for crafts, supplies (see previous poster above) Definitely not for food storage mesh zippered delicate clothes wash bag most likely zipper will fail after a few washings Fake Magic Eraser cle...
by drawpoker
Fri Aug 10, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Strange refund from gas co. on closed account
Replies: 7
Views: 918

Re: Strange refund from gas co. on closed account

...... closed my account with the gas utility company. The account was paid in full. My new residence has no gas.... My best guess is that the new resident set up their account to start the same day or the day before I closed mine, meaning I paid for an extra day........ What doesn’t make sense is ...
by drawpoker
Fri Aug 10, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6954

Re: Paper checks yes or no?

....our county charges a big fee if you use a credit card to pay your property tax. And last I checked, using bill pay wasn't possible either..... Not possible? Why? Doesn't sound quite right. With my bank, if the creditor isn't already in their database, they let you add it/him/her/whatever. If th...
by drawpoker
Fri Aug 10, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 5847

Re: Medicare Supplement Companies

..... selected a well-known company (Aetna) with the second lowest rate (after 5% household discount)..... concern was that the "new" provider may have started off with a "teaser rate" to gain initial subscribers in my state, and then would increase prices later. I don't know if that is a legitimat...
by drawpoker
Fri Aug 10, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 6082

Re: SS 2019 COLA could be close to 3%

I imagine some folks are still paying less than $134/month for Part B because of the hold-harmless provision. They won't receive the full COLA because some of will go toward Part B. Right - but (as best I understand) there are not many left. Actually, it is just the opposite. The vast majority of P...
by drawpoker
Fri Aug 10, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6954

Re: Paper checks yes or no?

Have racked my brains and still can't remember the last time I wrote out an actual paper check. 2010, 2011 maybe. Not to go off-topic, but is there anyone here whose bank does not offer the free bill-paying service? The invention of that is what brought about the demise of check-writing for me. :D
by drawpoker
Fri Aug 10, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 5847

Re: Medicare Supplement Companies

Good points. Understand your caution about dealing with an insurance company that might be shaky. For life, auto, LTC, for sure. But, remember, with Medicare supplements, if the company goes belly-up or pulls out of the market, you fall under federal (not state) protection of the law re Guaranteed I...
by drawpoker
Fri Aug 10, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 6082

Re: SS 2019 COLA could be close to 3%

Google: "Last July the Medicare trustees report forecast that 2019 Part B monthly premiums will remain at about $134 . After that, they are expected to rise about 5 percent each year through 2026. The Centers for Medicare and Medicaid typically announces the next year's premium amount in November . ...
by drawpoker
Fri Aug 10, 2018 12:50 am
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6944

Re: "Dollar Tree Store" favorites

drawpoker wrote:
Thu Aug 09, 2018 11:43 pm
UncleBen wrote:
Thu Aug 09, 2018 7:04 am
.....Week old Sunday newspapers if needed for coupons
please explain how your local Dollar Tree store is able to give away old Sunday newspapers (or ANY newspaper for that matter)

:?: :?: :?: :?:
by drawpoker
Fri Aug 10, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 5847

Re: Medicare Supplement Companies

My state, like most, does not allow switching plans without medical underwriting except in very limited circumstances, so my choice had the potential to be permanent...found that perfect knowledge is impossible to obtain. The official federal Medicare Plan Finder didn't even list the company I even...
by drawpoker
Thu Aug 09, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 5847

Re: Medicare Supplement Companies

I found that perfect knowledge is impossible to obtain. Yes - both for supplements and Advantage Plans.....certainly for Advantage plans - the actual plan documents may not fully describe how, in practice, things actually work. ...Just ONE example for my Kaiser Medicare plan : If you read the plan ...
by drawpoker
Thu Aug 09, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 64
Views: 5847

Re: Medicare Supplement Companies

..... Everyone should do some research before selecting a plan letter (F, G, N, etc.) .... should understand the differences between issue-age, attained-age, etc..... finding current rate information in my state (Idaho) was the most difficult part of the process.......... Evidently all plans in my ...
by drawpoker
Thu Aug 09, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9681

Re: Biggest Threats to Financial Well-Being

A real bad bear market.
Like the one from 1973-74
by drawpoker
Thu Aug 09, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3307

Re: USPS Informed Delivery

DanMahowny wrote:
Sun Aug 05, 2018 1:52 pm
I answered the questions correctly, and was told I was wrong......
Maybe they thought you weren't really you. Somebody pretending to be U Maybe........

Porko, your illegal immigrant Mexican gardener!

:wink: :wink: