Search found 2000 matches

by drawpoker
Sun Aug 12, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13132

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: 1610

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: 1610

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: 159
Views: 13132

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: 1610

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: 1610

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: 1610

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: 1610

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: 1610

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: 1610

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: 62
Views: 4951

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: 6737

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: 6737

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: 891

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: 6752

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: 62
Views: 4951

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: 26
Views: 2877

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: 6752

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: 62
Views: 4951

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: 26
Views: 2877

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: 6737

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: 62
Views: 4951

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: 62
Views: 4951

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: 62
Views: 4951

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: 9438

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: 3166

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:
by drawpoker
Thu Aug 09, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4951

Re: Medicare Supplement Companies

Yeah, but apparently I "played" with it too much. After running searches on Plan F and Plan G as a 65-yr non-smoking female for my ZIP, I then tried to run HD-F This message came up: "Your free Medicare price report limit has been reached. Call 800-xxx-yyyy to speak to a licensed Medicare specialist...
by drawpoker
Thu Aug 09, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4951

Re: Medicare Supplement Companies

Okay, Eureka, I have Found It. LCBA on the list uses issue-age and Plan G at open enrollment rate is currently $126.59 in Kentucky. Altho it is a Christian benevolent assoc. there is no membership fee to join. You become a member when you purchase insurance. Here is the contact info for follow-up. (...
by drawpoker
Thu Aug 09, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4951

Re: Medicare Supplement Companies

I live in KY. Okay, I give your state a D-. No, I think it deserves a Big F grade. Apparently, they do not maintain a residents guide to current Medicare supplement premiums. They just give the list of companies licensed to sell Medigap in Kentucky. (You probably have already got this from your sta...
by drawpoker
Wed Aug 08, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3663

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

BarbK wrote:
Wed Aug 08, 2018 10:29 pm
Since your dad does not have home insurance, he needs to buy Liability Only insurance for his homestead. It should cost about $300 per year.
Is this "Liability Only" something unique to Florida?

Liability only coverage suggests to me a business type policy.

Please clarify (?)
by drawpoker
Wed Aug 08, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4951

Re: Medicare Supplement Companies

Exactly. Which is why I posted that the OP needs to furnish more info for us to help him out. Also, to muddy matters even further, some states who do publish online the current Medicare supplement premium rates for all companies licensed in that state do not break down the info on each company, i.e....
by drawpoker
Wed Aug 08, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4951

Re: Medicare Supplement Companies

Post what state you are in, and we will try and help.
by drawpoker
Wed Aug 08, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement Companies
Replies: 62
Views: 4951

Re: Medicare Supplement Companies

Okay, you know you want Plan G. So you made that decision. Now, of the companies in your state that offer G, are any of them issue-age rated? We know all AARP-UHC Medicare supplements are community rated. Is Mutual of Omaha and the other one you are considering using attained-age rating system? Sinc...
by drawpoker
Wed Aug 08, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6737

Re: "Dollar Tree Store" favorites

Go back and re=read that WalMart ad. Are you sure those are 24 bottles === Or, 24 packets of the stuff? Are you using the reader glasses from Dollar Tree to read the WalMart ad...... :P :P :P :P :P Edit: sorry, you're right, was looking at the first Google screen which was using the term "pack", whi...
by drawpoker
Wed Aug 08, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Question About Medicare Start Date
Replies: 6
Views: 693

Re: Question About Medicare Start Date

..... One of the best financial decisions I made was to hold off taking SS until 70, which increases benefit by 32% over taking at full retirement age........ Another good financial decision is to make prior arrangements (with your birth mother) to be born on the first day of a month. Any of the 12...
by drawpoker
Wed Aug 08, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can IRA / 403(b) retirement accounts be used to qualify for a mortgage?
Replies: 2
Views: 213

Re: Can IRA / 403(b) retirement accounts be used to qualify for a mortgage?

Well, if you are under required RMD's, how is anyone to know if you are using any part of that money for current living expense? And not just tucking it away in some other (taxable) investment vehicle. Because you had to take the distribution, not because you needed it. How are they going to check u...
by drawpoker
Wed Aug 08, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6737

Re: "Dollar Tree Store" favorites

Since this site is full of very knowledgeable people.... Can someone tell me if 'Tapatio' hot sauce sold here is legit? It's the 10oz container, but everywhere else it sells for around $5... Here $1. After reading about the toothpaste and other consumption goods sold at the dollar tree I'm wonderin...
by drawpoker
Wed Aug 08, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Question re: auto insurance and amount for first party benefits (esp medical bills)
Replies: 2
Views: 211

Re: Question re: auto insurance and amount for first party benefits (esp medical bills)

Better be cautious. According to a quick Google search, PA is considered to be, legally, neither a at-fault state or no-fault state. Rather, it is a "choice fault" state, and you have to pick your choice when buying insurance. Another describes it as having some of the most "complex" auto insurance ...
by drawpoker
Wed Aug 08, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6737

Re: "Dollar Tree Store" favorites

Timely news item: Parents buying school supplies for grammar schoolers would be wise to avoid Playskool crayons. The brand, sold at Dollar Tree, was found to have trace elements of asbestos. https://www.cbsnews.com/news/asbestos-crayons-playskool-consumer-group-finds/ Yes, I read the same thing in ...
by drawpoker
Wed Aug 08, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 7083

Re: Best way to lose $200 in taxable income?

Besides, I doubt if he has $30,000 sitting in a checking account. Which is about what it would take for a CD to generate an early-withdrawal penalty of around $200. Assuming the CD rate is in the neighborhood of 2.5%-2.7% and the penalty is three months interest. You must have missed my earlier exa...
by drawpoker
Wed Aug 08, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2368

Re: Prescription Price Shopping?

...........That store (CVS) is horribly crowded when it comes to prescriptions. Someone told me they were doing 5,000 a week and were happy that a competitor was opening a new store across the street. And it is going to get much worse. This Aetna/CVS merger looks like it is going to go through afte...
by drawpoker
Wed Aug 08, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3663

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

Lets say the guys drop a tree on someone walking by. Guess who gets sued? EVERYBODY! Father will have to hire his own lawyer to defend him. That won't be cheap. (If he had Homeowners insurance, the insurance company would probably defend him) Only after all other possible sources are exhausted. Its...
by drawpoker
Tue Aug 07, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Personal liability issues as a result of hiring uninsured & unlicensed handyman
Replies: 33
Views: 3663

Re: Personal liability issues as a result of hiring uninsured & unlicensed handyman

Am very sorry that DanMahowny pulled his hilarious post about Porko, the yard care guy. (Discovered it had been yanked when I tried to reply with quote) It was an excellent way to use humor to illustrate the absolute folly, reckless and foolish decision-making, of hiring unlicensed and uninsured peo...
by drawpoker
Tue Aug 07, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 6737

Re: "Dollar Tree Store" favorites

magazinewriter wrote:
Tue Aug 07, 2018 5:32 pm


Don’t buy batteries at Dollar Tree.
Don't buy anything of an electrical nature at Dollar Tree.
by drawpoker
Tue Aug 07, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 7083

Re: Best way to lose $200 in taxable income?

He also said he is drawing SSA, so he won't end up like Blanche DuBois, depending on the kindness of strangers :wink: Besides, I doubt if he has $30,000 sitting in a checking account. Which is about what it would take for a CD to generate an early-withdrawal penalty of around $200. Assuming the CD r...
by drawpoker
Tue Aug 07, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: USPS Informed Delivery
Replies: 43
Views: 3166

Re: USPS Informed Delivery

LOL. The irony of getting junk e-mail with pictures of your junk mail. That is funny! :P :P :P :P :P :P I think some of you are mistaken about them using information from the credit bureaus to verify your identity. The "identity questions" they presented when I registered were obviously from their ...
by drawpoker
Tue Aug 07, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3127

Re: Relaxing - quieting the mind

fishmonger wrote:
Tue Aug 07, 2018 1:33 pm
Go for a walk in the woods
Relaxing? Quieting the mind? Seems that would ADD to the stress level, not reduce, for the OP

Worrying about deer ticks
by drawpoker
Tue Aug 07, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to lose $200 in taxable income?
Replies: 96
Views: 7083

Re: Best way to lose $200 in taxable income?

I'm amazed this thread continues to offer suggestions that MIGHT lose money when early on in the thread the slam dunk answer was given: Buy a CD with a fixed early withdrawal penalty, then withdraw it early. It's a known penalty and a guaranteed reduction to AGI, which is what the OP needs. He can'...
by drawpoker
Tue Aug 07, 2018 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Medical expenses while on Medicare
Replies: 48
Views: 2676

Re: Medical expenses while on Medicare

Terrific. But your Calif UHC plan did not make the list of Best MA Plans from US News & Reports. Five other insurers were listed instead. https://health.usnews.com/health-news/best-medicare-plans/articles/best-medicare-advantage-plans Interestly, UHC is conspicuously absent from the list of all 50 s...
by drawpoker
Tue Aug 07, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Relaxing - quieting the mind
Replies: 47
Views: 3127

Re: Relaxing - quieting the mind

Yes, and also, if you scroll back to the post, there was something mentioned about eating a snack at the same time this sleeping cat was positioned on lap.
Good LUck with that Plan :P :P :P :P