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  1. Gotadimple

    CVS Struggling with costs of Medicare Advantage plans

    This is to be expected. I can only speak for MA in Washington state. Aetna has been in the business of MA for a very long time. But what the article doesn't say is that CVS took a strategy to go directly after United Health Care for market share. They offer a $0 premium point of sale product...
  2. Gotadimple

    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    American Express drops rate on high yield savings from 4.30 to 4.25 effective 4/25. Their 11-month CD is 4.5% the highest of all offerings.
  3. Gotadimple

    Airline mileage programs

    Cash back would be nice, but don't you need to hold their credit card to do that? I have both Alaska and Delta and I earn in other ways besides booking air through them. Alaska is still my favorite as I can apply points to reduce airfare. Delta I haven't travelled on in years but do earn points...
  4. Gotadimple

    using up the PT benefit

    spncity: Medicare Advantage is allowed to limit the number of PT visits - but it depends on the insurer and the plan. The number of allowed visits is stated in the Medicare Advantage Evidence of Coverage. It might be useful to call your Medicap plan and ask if there is a limit - there...
  5. Gotadimple

    What is the last thing you ordered from Amazon?

    A mattress topper and a pedometer (the kind that just counts steps and nothing else)
  6. Gotadimple

    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    American Express drops the rate on it's high yield savings account to 4.3% today down from 4.35% - this rate was last changed in October. CDs are not truly competitive. Best offer is a 11-month CD at 4.75% no minimum and can renew at the then offered rate for that term.
  7. Gotadimple

    Medigap Shopping: Closing the Book & Rate Increases

    Yeah this happens too but very infrequently. That can create a special exception and the customer may be able to avoid underwriting when moving to a new insurer/new plan. Or not even need the waiver of underwriting because . . . Cigna is selling their entire book of Medicare products to HSCS...
  8. Gotadimple

    How to pay IRA transfer fee?

    I think you need to contact both brokers, but Wells first. Ask them to pull the transfer fee from your linked checking account as a courtesy to you and for the (however many years long) customer relationship you had. Both brokers have telephones they can talk through the logistics of this fee...
  9. Gotadimple

    Medigap Shopping: Closing the Book & Rate Increases

    Harlee, closing the book is not a game. Insurers do not have endless wealth. They have to stay financially stable or they will lose all their customers, and their ability to sell insurance in the states where they operate. When rates go up and customers leave a plan the insurer has two choices...
  10. Gotadimple

    Assisted Living facility trying to force my Mom onto pricey 'medication management'

    John Galt, She has anemia and needs her OTC iron pill. Omeprazole is not an antacid it is an OTC (or prescription strength) proton pump inhibitor that acts to reduce stomach acid and prevent an ulcer. The iron pill can create a hard stool, so the softener probably is a good idea. This one is to...
  11. Gotadimple

    Show off your dog..or other pet..and how well he/she is treated (and fed)!

    Sorry, that's tough. But even fostering younger pets with health problems can result in them not making it. She's giving these dogs a good life. There is one foster group in western Washington that pretty much works only with older dogs. Some can be adopted out when their health is stabilized...
  12. Gotadimple

    Show off your dog..or other pet..and how well he/she is treated (and fed)!

    One way to get a quick 'dog fix' is to sign up to foster a dog. Local shelters and rescue groups are always looking for foster parents. My experience in seeing what fostering does at a local shelter is that many dogs only need a short stay - 2 weeks or so - while they recover from spay/neuter...
  13. Gotadimple

    What new series are you watching? *No Spoilers, Please*

    Just finished Nolly - on now on local PBS stations and you can stream the entire 3 episodes if you have a PBS Passport. Helen Bonham Carter - excellant. Starting Shogun - on now on FX but I'm streaming it on Hulu. Also excellant, the European dialog is in English, Japanese dialog in Japanese...
  14. Gotadimple

    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    I can't comment on why you didn't get notified. If it were me I'd call the broker and ask why you weren't notified.
  15. Gotadimple

    Show off your dog..or other pet..and how well he/she is treated (and fed)!

    Yeah, I wonder how that accidentally hitting the floor thing happens. :angel:
  16. Gotadimple

    Show off your dog..or other pet..and how well he/she is treated (and fed)!

    This one is Ellie - she's 10 going on 11 and part Bichon and part Miniature Poodle. She came with a 'diva' attitude already in place. And I continue to help her un-diva. Overall she's a good girl. She gets Nutro Natural Choice Chicken & Barley kibble for senior dogs. She likes it better than...
  17. Gotadimple

    AI as an Investor Assistant

    It could be that the AI tool you are using hasn't learned enough 'yet' about how to read Yahoo's site, and how to do comparative analysis. The problem with AI, as many may have heard, is that the engine cannot validate truth from supposition or outright misdirection. IMO the developers haven't...
  18. Gotadimple

    ? about Callable Brokered CD's

    It depends on the rates and on the bank. I have had several that were never called, and then did have one called because the bank was acquired. Schwab's Bond department was very proactive in notifying me what had happened and putting the funds back in my account. I'm sure this is true of many...
  19. Gotadimple

    Medigap - Direct or Agent?

    No difference in premium amounts as an agent commission is built into the rate. You may want to reward this agent, if they represent the insurer you want, for their helpful information by signing up through them. Check with your state insurance commissioner they should have a unit called...
  20. Gotadimple

    Medicare Deducted From SS Taxable?

    As others have said, the entire gross payment is taxable. If you itemize deductions you may be able to deduct the Part B and any premium for Medicare Advantage or Medigap (Supplement) premium if your Medical expenses exceed the 7.5% of AGI cap on Schedule A of the federal income tax. But you...
  21. Gotadimple

    Wisdom needed- Downsizing Renting vs Buying

    Real estate is different in every part of this country. What you can sell you house for, how many improvements made, and how much capital gain you will get from the sale all affect how much cash you walk away with - before you pay IRS. And before Medicare can potentially slap you with IRMAA...
  22. Gotadimple

    Withdrawal Strategy Help Requested

    Conversions to a Roth: you get to choose, it doesn't matter whether you sell a CD or sell an ETF. A conversion is a taxable event - money is money - and you need to pay taxes on the extra income added to your other income streams. Many look at where they current income stream takes them in terms...
  23. Gotadimple

    What is the best way to pay estimated Federal Taxes in Retirement?

    They have some very useful calculators, and the taxes one works for me for planning purposes. Some banks and credit unions have calculators on their websites - they use Dinkytown products.
  24. Gotadimple

    Month long trip bring the laptop or not?

    Take a tablet, if you have one. I use a tablet and do not load any financial info on it. But I do use it for searching for things to do while on the trip, email, and general entertainment. A tablet is much lighter, and if you like to read books, you can do that on your tablet as well.
  25. Gotadimple

    Prime 30 second ads..worthless

    YouTube TV is fine as a replacement for Comcast cable. You'd lose the set-top box and your DVR library, and get a DVR library on YouTube. For live TV, compare the channels on YT to Comcast - look for the ones you are used to using. But you still need a source for internet and a device to...
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