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You're 64 and you've decided that Traditional Medicare plus a Medicare Supplement plan is the way to go. Now you need to find a medigap plan. The first step is to go to Medicare.gov "Find a Medicare Supplement Insurance (Medigap) policy" and get a list of companies that offer plans in your...

I do all the travel booking for the two of us, and although I send copies of confirmations and ask for "another set of eyes", things don't get validated. So today I was organizing my month-long fall trip that includes a multi-city airline booking that starts and ends the trip, then a few...

I was trying to buy airline tickets from TAP (Air Portugal) and despite trying two computers, three browsers, plus their Android app, it doesn't accept payment. After booking, I was able to call and they saw my reservation and gave me a link (via email) to click, but that didn't work either...

There are probably plenty of us here on ER that are regular meditators, and there are probably even more that aren't. There are not many actions I can take, personally, that would make the world a better place, but I was thinking that if even one person was able to understand themselves better...

Has anyone added a UHC/AARP Medicare supplemental policy after their spouse already had such a policy? The reason I ask is because if you have two AARP members in the household, you get 10% off, but if you have two policy holders in the household, you get 15% off. Right now, the existing...

We have a bunch of S/T ornaments that plug into the old incandescent strings (50 bulbs per 120 volt circuit). So I figure the ornaments expect 2.4 volts AC. The plan was to wire up a few sockets in parallel with a 2.4 volt AC transformer. But searching my box of transformers, the lowest they go...

I'm shopping for Medicare Part-D plans and wondered if anyone had experience with getting off-label prescriptions covered. This obviously isn't worth exploring if you only use low-tier prescriptions, but if you're in the market for some tier 4 or 5, might be worth investigating. According to...

Fidelity was awarding $150 last year if you funded a new cash management account with at least $50. Here's the first post from that thread: At the time, I figured their motivation was to acquire the "banking business" that you'd do elsewhere, and that was probably some of it. But now that...

In a case where you want to buy one house and sell another, and also want an overlap of a week or so to move, I guess there's this 'bridge loan' thing. I'm looking for some wisdom, if anyone has experience with this. Let's also say the seller isn't agreeing to allowing the move-in before the...

I've been cruising a lot, since I was a kid, and fairly continually. Mostly ocean and with the mass market brands. Did one river cruise, and given the included excursions, didn't enjoy the "bus tour" feel when the ship stopped and the entire passenger compliment often boarded 50 passenger tour...

We've all seen the disclaimers and heard the plea for people to rebook on the next flight and be rewarded with some compensation. And that works if the flight isn't too oversold. But is there a way to tell, in advance, which flights and carriers take it too far, and force bump people to later...

The north side of my daughter's vinyl siding was kinda green, so she hired "Softwash" company to clean her house. They sprayed some stuff on, and rinsed it off a few minutes later with great results. She hired it out because it's a 2 story, and would have been a chore to get up to the top floor...

With individual bonds and CDs, it's easy to just put the entire set of cash flows, from my purchase to the last coupon and return of principle, into a spreadsheet and put the XIRR calculation on on the cash flows to confirm the rate I expect. When it comes to TIPS, I've avoided adding a column...

This is a new one on me. Maybe someone else has seen this? Totally unsolicited mailing from NETSPEND, with a legit looking "credit card", making it look like I have a relationship with this outfit. A first class pre-sort letter envelope from PO Box 149116, Austin TX 78714-9116 that had an...

Apparently there's a new law going into effect that allows leftover 529 funds to go into a Roth. I've only read the article below. There's a 35K lifetime max, and the rollover is not in addition to the annual maximum. The account must be 15 years old. As it turns out, I just got done...

Anybody have recent experience with FRS/GMRS? I've had some Motorola Talkabouts (decades old), but they don't have the connector for the headset/mic/PTT, so I was looking at eBay and Amazon. What got me to write this was that some of these radios mention that they don't necessarily connect...

There's noises in our house about getting an LED pre-lit tree and get rid of the very old and flaky 50 per circuit incandescents. But we have lots of those Hallmark ornaments that plug into a bulb socket. And even if the LED's had the same voltage as incandescents (which they probably don't)...

We humans are typically not very good at grasping big numbers. When we hear the richest few have net worth in the hundreds of billions, it often doesn't sink in just how big that number is. Well, what if we make each dollar one second, then take a look? We're better at grasping time than...

In a Roth account, I have stock in a company that's traded on NASDAQ, but the company paid dividends from outside the US and they withheld funds. The transaction description at the brokerage is this: This is the first time this has happened for me, and I wondered if anyone else had this happen...

Where did you live as a kid? And did you, at the time, know of the "butter preference test" whereby the examiner would hold a dandelion or buttercup under the chin of the subject to make the butter preference determination. Definition: Kid: <11 years of age. Null hypothesis: Uniformly...

Not really seriously thinking of moving at the moment, but as I was doing my NC taxes, I saw a separate fields for residency ("you" and "spouse"). We've talked about it and I figured I could be away from NC for more than 6 months per year (say 4.1 months in Florida, my new residency and 2...

I figured I'd share my experience, just so others can avoid this pitfall I found. DW got her Medicare card in the mail with start date of 3/1/2022 (her birthday is in March). All good. What I read on the healthcare.gov site it says coverage ends at month-end, and it depends on when during the...

As we age, many of us will encounter autoimmune issues, so I thought this study would be of interest to members of this forum. This is a five year, double blind, prospective study, funded by the NIH, so not your basic cr*p epidemiology correlation observation that we see in the news all of the...

It's $44, but if I were dipping my toe into FIRE for the first time, I'd consider this 4 hour Zoom class. It's only 4 hours of lectures, but will probably require more time doing homework. I'm sure there will be recommended readings. There's already one reading that I've read and actually went...

I'm not sure if I'm posting this because it's funny, or if I'm looking for w*rk. Not like this hasn't been :horse: Ok, personally and honestly, I no longer have a mortgage. But I respect and admire this guy, who's constantly getting the "cheap money" (as my BIL used to call it) and putting it...