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Need cable for internet or you can't get any streaming services. Need cable for the housephones. (We use a tracfone smartphone at $8 a month for calls and texts as well). We have Netflix and Roku but can't get Showtime and HBO and dvr without cable, and those are the best shows that we dvr and watch.
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Originally Posted by newred5
At 275 a month I would look into Youtubetv, PlayStation Vue, Sling or one of the many streaming options and cut that cable cord
Dang I better add some $ to the dental budget. You guys are scaring me.
Same, though I'm a long way off from retirement. That's one of those things you really don't think about much when you have dental insurance and most visits consist of 100% covered semi-annual cleanings. This will definitely be higher on my radar at that time (assuming no massive changes to society in this regard).
Same, though I'm a long way off from retirement. That's one of those things you really don't think about much when you have dental insurance and most visits consist of 100% covered semi-annual cleanings. This will definitely be higher on my radar at that time (assuming no massive changes to society in this regard).
Add me to the list! I budgeted $ which would cover my 3 cleanings a year and DH's couple visits + a little bit. Then.... $16,000+ in DH's mouth alone... which we are nearing the end of.... and I'm extremely grateful for funds that enabled us to do this work. He should be fixed up for a long while after all this...I hope, I hope.
Other expenses not anticipated: more maintenance on house than we figured, we'll be painting the whole thing sometime soon. Really everything is up: insurances for vehicles and house, taxes on house...even just a small amount added up makes the total higher.
Oh, helped a relative with an expensive car repair...so glad we could do this... and we should get this back eventually but I'm not worried if it's a long while.
Put a miscellaneous column on your spreadsheet and throw some budget numbers in there because it will be needed somewhere!
The major benefit of dental insurance is you get group preferred rates, so that crown or extraction may cost you a few hundred out of pocket instead of a few thousand. Same with health insurance. The hospital bills you for $400K but Medicare and the supplemental insurance settle the bill for $125K and you pay maybe $2K out of pocket. Without the insurance, there's a $400K lien on your property and assets.
Quote:
Originally Posted by IndyDancer
Same, though I'm a long way off from retirement. That's one of those things you really don't think about much when you have dental insurance and most visits consist of 100% covered semi-annual cleanings. This will definitely be higher on my radar at that time (assuming no massive changes to society in this regard).
The major benefit of dental insurance is you get group preferred rates, so that crown or extraction may cost you a few hundred out of pocket instead of a few thousand. Same with health insurance. The hospital bills you for $400K but Medicare and the supplemental insurance settle the bill for $125K and you pay maybe $2K out of pocket. Without the insurance, there's a $400K lien on your property and assets.
Absolutely. I've had wisdom teeth removed and a crown and a few fillings that were not 100% covered, but generally $X00. Besides the reduced level of insurance coverage, I'll probably end up actually needing more dental work (of the non-routine/preventive variety) as well. Probably not wise to count on being in the lucky "I'm 90 years old and my teeth are still as good as when I was 20" cohort.
You really dont ha e to have cable to get internet,call your provider and ask what an internet only service would be ( 25 or 50 MBPS)
With a good internet you can plug a Ooma device and have unlimited phone calling for 3-7 dollars a month as you onky pay the taxes
with a roku you can buy Hbo and showtime on a streaming service. many streaming services also have dvrs and large on demand librarys as well.
Im not trying to force you to change anything, but it can be done
Southern N.J. Optimum keeps raising the rates once or twice a year and has no competition in our neighbrhood so we are stuck. I guess Verizon or any other cable providers aren't willing to bring service into our area a cul de sac with about a hundred homes, surrounded by woods on three sides. Considered a dish but don't want holes in the roof. When you have two services competing, they cut costs to the subscriber. When they have a monopoly, you are screwed.
You don't *have* to put holes in your roof to mount a dish, you can mount it on a pole out in the yard, or in some cases on the eaves of your roof, where the holes could not reasonably leak.
30 MBPS Internet only is $69 a month. I mainly watch Showtime, HBO, the networks and PBS and TMC channels. I'll have to see what they cost using the Roku. Thanks.
One other thing. Everything we watch is usually time delayed and recorded to watch later. Is there this type of dvr capability with Roku?
Quote:
Originally Posted by newred5
You really dont ha e to have cable to get internet,call your provider and ask what an internet only service would be ( 25 or 50 MBPS)
With a good internet you can plug a Ooma device and have unlimited phone calling for 3-7 dollars a month as you onky pay the taxes
with a roku you can buy Hbo and showtime on a streaming service. many streaming services also have dvrs and large on demand librarys as well.
Im not trying to force you to change anything, but it can be done
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