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About DanZemke

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  • Birthday 01/11/1949

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    RVing, photography, snow skiing, fly fishing and computers.

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  1. Sorry, I wasn't clear enough. The senior65 link was just to point to a concise explanation of how CT's Supplement rules varied from most other states. A couple posts above that one, you'll see my post that includes a direct link to the official CT portal with the current prices. My understanding is that information posted there, has been agreed to, by each of the insurers, the state of CT and CMS. Are they in sync with the CMS site? I assume so, but have never checked.
  2. "so they're both for and against RVing." To be fair, that just appears to be one of their writing styles (pro/con) that they've apparently used many times before. They are the authors, so get to choose their style. IMO, there was an error. The "pro" article has a link to the "con" article, but the con article links to a different topic. I suspect the editor failed to also include a link to the "pro", rather than the author.
  3. docj, I just skimmed the article and haven't read the attached. Put it turns out this article (by the same author) was also posted today. https://www.kiplinger.com/slideshow/retirement/T037-S001-reasons-you-will-want-to-retire-in-an-rv/index.html
  4. I'm assuming that when you're using your PC in your car, the car is not moving. If so, the only factor I can think of is overheating. Is it warmer to the touch after a few hours of in your car than it is after a few hours of use in your house? What do you typically use it for in your car that differs from you use in the house?
  5. The chart I linked to above is not my chart. It's the latest version the State of Connecticut's negotiated prices that gets updated, several times a year. It reports the the current rates . I posted it to illustrate an example of the relative costs of plan types and insurance providers on a single page. Connecticut's Fairfield County , where I live, is much more expensive for everything, than most other places. Taxes are high, real estate is more expensive and everything from fuel to food is pricey too. So are health care costs. And fortunately, wages (and pensions) are too. Also, another reason for higher Medicare Supplement prices is I can switch plans at any time with out underwriting: https://www.senior65.com/medicare/article/medigap-guaranteed-issue-ct-ny-and-wa
  6. Hi, Please explain what you mean by crashed. Does it totally turn off without displaying any error messages? Please explain what you mean "constantly". How many minutes between crashes? When you are on the road, are you using any type of external power?
  7. That sounds like a discount program, and I don't think it's the primary purpose of Supplements. Medicare Supplements can reduce deductibles and co-pays. But the primary focus is classic insurance: spread the risk to reduce the expense for the unlucky. I did quite a bit of research on the web before I signed up for the first time. Here's the current version of the price chart I used to select my provider for the 6 years I've been covered by Medicare. CT 2020 Medicare Supplement Prices I've been with the same insurance provider (Globe Life) for the last 6 years. I started off with a Plan F HD, and transitioned to a Plan G HD for this year. I'm not trying to promote the insurance provider I selected (although I am happy with them). Mentioning their name is just to show that I chose the lowest priced insurance supplier. For Supplements, unlike Advantage Plans, the insurance coverage of a particular Plan type is identical across all suppliers.
  8. Our Federal rules governing payments for Medicare Supplements are the same, regardless of the the price charged for a Supplement. I'm still amazed that many of the "name-brand" insurer's charge, and get, 2 to 3 times the lower price suppliers. Theoretically, there could be more financial risk for a lower priced supplier. But if they fold, you have a government guaranteed free pass to shop for another supplier without underwriting. And I suspect, but have not confirmed, that if a Supplement supplier fails, the process would be similar to that for a failed bank - keep the consumer whole.
  9. Jay, Good for you and her. I'm single and have been insured with a High Deductible Medicare Supplement policy for 6 years. My total cost for the Supplement policies over that time period has been $3500. I've never received any reimbursement, nor did I expect to. Fortunately, I'm still very healthy - no medical conditions and no need for any medications. I chose a path which would not be constrained by my insurer's network of hospitals and doctors. To me, my choice was to go with catastrophic health insurance without the risk of out of network charges. I've paid home owners insurance for over 40 years and haven't received any reimbursements. And, I paid off my mortgage 10 years ago. but still kept paying the insurance. Insurance is a waste of money, until you become responsible for costs that are a substantial portion of your net worth. I'm happy with my choice and you seem to be happy with yours too. I hope it remains that way for both of us.
  10. You misunderstand what these supplements are. They're not like vitamins, they are an additional form of financial insurance. Medicare only provides partial insurance. If you get really sick, like cancer, all of you savings can be wiped out. A Medicare Supplement starts paying when Medicare stops. So Medicare + a Supplement pays more of your medical expenses.
  11. Thanks, but I already did, before I posted "it's not clear how I should contact you" in post #2 of this thread. I was/am not willing to dig for an email address or phone number to get information on a risky loan. IMO, there is no way to get a safe 6% return in this market. But I get your drift, there are probably alternatives that have a better risk/reward ratio than this one.
  12. There is no evidence that this was a scam. None. In my opinion, a far more plausible explanation is the woman needs cash and she made a mistake in her calculation of what the "profit" would be. I was skeptical too, but instead of accusing her of fraud, I asked for her FICO score. I also posted it wasn't clear how to contact her. IMO, someone trying to pull off a $65K scam would have quickly responded. She didn't.
  13. In addition to their DB of signatures, they also do a "'heuristic" scan to try and find potential attacks that aren't in their DB. In my case, they often attempt to quarantine a tiny program that modifies itself (the exe file) on exit. My assumption is that this is because it is self-modifying code. Fortunately, they also use a white list so it's easy to exclude protection that isn't helping.
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