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Re: Social Security statements

drawpoker wrote: Here's where I am confused. You wrote "please note this came from the SS Statement...not website" I thought you meant the Statement from the website, that's how you downloaded it. (?) The section, identified as "Statement" that comes directly underneath the photo...
by Almost there
Mon Feb 23, 2015 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Thank you, drawpoker. However, I was not married at the time of my filing for SS benefits and the article only writes about husband and wife.

Almost there
by Almost there
Mon Feb 23, 2015 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

drawpoker wrote and quoted me: FWIW - When I went to the same page on MyAccount, if you are referring to the part of the page directly underneath the pic of the woman next to the Flag; mine displayed this instead: Estimated benefits: Not applicable (this had a blue underline, which, upon the click, ...
by Almost there
Mon Feb 23, 2015 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Thank you, drawpoker, for your insights. Will look into it.

Almost there
by Almost there
Mon Feb 23, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Celia wrote: If you were Social Security, why would you send out a notice of expected benefits to someone who is actually receiving Social Security? (The receiver would probably think you were crazy and would post on bogleheads: "Why do I receive these useless statements as I am already collect...
by Almost there
Sun Feb 22, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Thank you for stating the fact again, mptfan.
Will start inputting the figures into Excel.

Almost there
by Almost there
Sun Feb 22, 2015 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Thanks, of course, you are correct.
Should have used Excel to figure out my age - LOL.

Ann
by Almost there
Sun Feb 22, 2015 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

mptfan wrote: .... he must used the wage index value in 2008 (the year in which he turned 60) as his base value for indexing purposes I turned 60 in 2010. You are using 2008. Is that because one goes back 2 years? However, the example used 3 years, so that would be 2007. Is that correct? Almost there
by Almost there
Sun Feb 22, 2015 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Thank you mptfan.
I will check it out.
And your guess was incorrect. I am a female.

Almost there
by Almost there
Sun Feb 22, 2015 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

mptfan wrote: You can create the index factors yourself for any year up to 2013 from the national average wage index series, which is available here... http://www.ssa.gov/oact/cola/AWI.html#Series I am sorry, this is all way over my head. In 2010 I turned 62 = 41,673.83, then going back 2 years: 41,...
by Almost there
Sat Feb 21, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

DonCamillo wrote: It is not your earnings, but your adjusted earnings. Earlier wages are increased to account for inflation (actually average wages, but it is a proxy for inflation). In my case, a dollar that I earned in 1963 counts the same as $8.40 earned in 2005. The formula becomes strange once ...
by Almost there
Sat Feb 21, 2015 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Rixer wrote: I am collecting spousal benefits right now. When I log into Social Security website and go to the Retirement Estimator, it displays what I would get if I claimed myself at current age and also at age 70. You can also view all years up to age 70. Maybe it's different if you're under FRA....
by Almost there
Sat Feb 21, 2015 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Social Security statements

DonCamillo wrote: If you are still working, and earning more than you earned in the 35th highest year of adjusted earnings, your last year of work will replace that year in your calculation of your benefit. I just got my final benefit amount today after submitting my W2 forms for 2014. My previous 3...
by Almost there
Sat Feb 21, 2015 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

JW Nearly Retired wrote:
I did give SSA a call shortly before reaching 70 to make the change. I doubted it would be automatic.


Thank you JW Nearly Retired. I wondered what would happen automatically? Will remember when the times comes to give SS a call.

Almost there
by Almost there
Sat Feb 21, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Thanks, TheWizard. That is how I learned about applying for 1/2 benefits at 66. Everyone who I have told this has never heard about. Right now, like you, I don't need to know the exact answer. In addition, I have also worked, though was laid off once again. Hoping to work at least until I'm 70. Almo...
by Almost there
Fri Feb 20, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Social Security statements

Thanks, Ron.
No one ever told me that I perhaps would receive less.

Almost there
by Almost there
Fri Feb 20, 2015 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Social Security statements

Every year I have been receiving statements from Social Security and now I have been able to download them myself. Last April I started with SS and receive 1/2 the amount of what my ex is receiving from SS. When I am 70, I will change over to receiving SS based on my earnings. When I downloaded this...
by Almost there
Fri Feb 20, 2015 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Medicare - Plan B - NJ

Thank you, drawpoker.

Almost there
by Almost there
Thu Feb 12, 2015 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 787

Re: Medicare - Plan B - NJ

Thank you TheGreyingDuke for your insights. I have now read the info on the Medicare website a number of times with regard to Medigap and Medicare Advantage Plans and am still confused. Previously my Medicare card stated Part A + B and was signed up through Horizon Medicare Blue Value w/Rx (HMO). I ...
by Almost there
Thu Feb 12, 2015 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 787

Re: Medicare - Plan B - NJ

Thank you, drawpoker, for your description. When I first signed up with Medicare at age 65, I choose A + B and purchased a Medicare Advantage Plan via Horizon which included Rx. In one respect I again want the same type of coverage since it served me well, on the other hand I don't quite understand ...
by Almost there
Thu Feb 12, 2015 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 787

Re: Medicare - Plan B - NJ

Thank you, TheGreyingDuke and drawpoker for your help.

I guess I misunderstood Plan B. I have to find a Medigap Plan that is right for me.

Also it is difficult to find a plan that covers the county I live in.

Almost there
by Almost there
Wed Feb 11, 2015 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 787

Re: Medicare - Plan B - NJ

drawpoker wrote:
Assuming you are a non-smoker male , here's a chart of approved for NJ companies and their current premium rates for the various plans.


I am a single female and a non-smoker.

Almost there
by Almost there
Wed Feb 11, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 787

Re: Medicare - Plan B - NJ

Thank you, drawpoker. I have already received the letter from my former employer.
I am just asking for a name of a NJ health insurance company which you would recommend.

Almost there
by Almost there
Wed Feb 11, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 787

Medicare - Plan B - NJ

TheGreyingDuke wrote: If you have traditional Medicare you don''t choose a Part B provider, this is what made your post unclear. Thank you for your response. (Not sure why the Bogleheads website didn't send me a notice that I had received a response.) Presently I have Plan A and have signed up with ...
by Almost there
Wed Feb 11, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 787

Medicare - Plan B - NJ

In April 2013 I signed up for Medicare using Horizon Blue Cross. In September 2013 I got a job along with healthcare coverage with Horizon Blue Cross, which was a whole lot cheaper than coverage through Medicare. I called Social Security and had Plan B stopped. Now I was laid off from my employer an...
by Almost there
Tue Feb 10, 2015 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Medicare - Plan B - NJ
Replies: 15
Views: 787

Vanguard target date asset allocation

I had a TR (ER 0.16) for quite a number of years and then chose to break it up (and save on ER also). I moved the funds as follows: 60% Total Stock (ER 0.05) 30% Total Bond (ER 0.09) 10% Total International Stock (ER 0.14) (Please note that I have other investments so my AA is now 60% stocks and 40%...
by Almost there
Tue Feb 10, 2015 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard target date asset allocation
Replies: 23
Views: 2687

Re: Tax Software - Difference in return

Just a heads up, every year when I have finished my income taxes, I print out the Federal and State forms and then compare them line by line with the previous years' forms. This way, if I forgot something, it will be quite obvious.

Almost there
by Almost there
Sun Feb 01, 2015 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Difference in return
Replies: 11
Views: 1023

Re: transfer out of an employer plan into Vanguard?

At 59 1/2 they can move most of their money to Vanguard (as long as the 401k allows it).
I did that every year until I no longer worked for the company and then moved all of the money to VG.

Almost there
by Almost there
Mon Jan 19, 2015 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: transfer out of an employer plan into Vanguard?
Replies: 1
Views: 346

Re: Let's Celebtate! Which funds are you buying in 2015?

Oh good. Just wondered if you are aware of it. I also have VWLTX.


Almost there
by Almost there
Tue Jan 06, 2015 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3634

Re: Let's Celebtate! Which funds are you buying in 2015?

by pacodelostigres » Tue Jan 06, 2015 2:10 pm Vanguard Long Term Tax Exempt Fund Investor Shares (VWLTX) until I get to Admiral in taxable. I just started on this and have $33k to go. Perhaps if you wanted Admiral Shares, you could have chosen Total Stock VTSAX, which only requires $10,000. Almost ...
by Almost there
Tue Jan 06, 2015 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3634

Re: Let's Celebtate! Which funds are you buying in 2015?

Thank you, Noobvestor.
Last year was a lot of Emerging Markets and some Total International - looks like this year is a lot of Total International and maybe some Emerging Markets.

LOL - now it at least I know how to proceed.

Almost there
by Almost there
Tue Jan 06, 2015 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3634

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Thank you, normaldude. I remember speaking with the 401k administrator who had no idea what she was doing when she chose the 401k company. I thought it was strange at the time. Now I realize it is the norm. The decision should be handled by the controller of the company who might be more aware of th...
by Almost there
Tue Jan 06, 2015 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2881

Re: Let's Celebtate! Which funds are you buying in 2015?

Just bought Total Stock VTSAX

Almost there
by Almost there
Tue Jan 06, 2015 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3634

Good day to buy! (Or not!)

Either way, tomorrow you will know.

Almost there
by Almost there
Tue Jan 06, 2015 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Good day to buy! (Or not!)
Replies: 25
Views: 2597

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Thank you, abyan, My favorite was the wife of a friend who incredulously told me that their adviser at Edward Jones doesn't charge them anything. Then she added, perhaps he charges them $25 or $50 per year, but that's it. and mptfan, I find it amazing that people actually believe that their advisor ...
by Almost there
Tue Jan 06, 2015 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2881

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Thank you. I had not seen that commercial before. Presently I like the commercial where a dad is walking with his son and the son is asking him questions about the financial advisor and how much it cost and the dad answers that, he doesn't know. Very scary commercial. In the commercial the son is th...
by Almost there
Mon Jan 05, 2015 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2881

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Thank you, Jeff7, for your reply. When I approach someone and inform them of the high fees they look at me as if I have 3 eyes and then inform me that THEIR financial advisor knows what he is talking about. Many years ago before I knew about VG, I was on EONS website (designed for people over 50) an...
by Almost there
Mon Jan 05, 2015 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2881

Speedy VG

On Friday afternoon, January 2, 2015, I went online and closed one of my accounts at VG and transferred the funds to 2 new accounts. Saturday morning, the funds were in both accounts, the closed account was no longer visible. On Sunday, I received my email notification that 3 statements were in my V...
by Almost there
Mon Jan 05, 2015 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Speedy VG
Replies: 0
Views: 316

Re: Protecting 401k Money During Rollover

Just rolled over my 401k to VG. The 401K company sent their check directly to VG and it took less than a week before it was in my account (I had alerted VG ahead of time that the funds would be transferred and my account was marked accordingly). Was very pleased with the transaction.

Almost there
by Almost there
Mon Jan 05, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Protecting 401k Money During Rollover
Replies: 12
Views: 1138

Re: There She Said It [Suze Orman recommends Vanguard]

I stopped watching her years ago and NEVER heard her mention Vanguard. Absolutely amazing.

Almost there
by Almost there
Mon Jan 05, 2015 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: There She Said It [Suze Orman recommends Vanguard]
Replies: 5
Views: 2363

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

To me it is always amazing how much people pay in fees for their 401k plans. My last 2 employers also didn't offer good choices and in both cases, HR had no idea on how to choose a 401K company with lower fees. A couple of months ago I took a look at my daughter-in-law's 401k plan and was truly agha...
by Almost there
Mon Jan 05, 2015 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2881

Re: Roth IRA

Thank you kmok for your input. It is very much appreciated.

Almost there
by Almost there
Mon Dec 15, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Roth IRA
Replies: 2
Views: 488

Re: Travelers Roadside Assistance

Thank you for your input.

Almost there
by Almost there
Thu Dec 11, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2131

Roth IRA

Just recently I was laid off from my job. Right now I am waiting for the last payment to be added to my Roth 401 K IRA by Transamerica. Then I will ask VG to transfer the funds to one of my VG Roth IRAs. Every year I have been transferring the max to my VG Roth IRAs using after-tax $. Just to clarif...
by Almost there
Wed Dec 10, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA
Replies: 2
Views: 488

Re: woman's bathrobe gift

Received my bathrobe from my partner at Christmas time and after 15 years it still looks new. He purchased it at LL Bean. Bathrobe is almost down to my ankles, has a zipper and hood. Still love it and it washes perfectly. Would highly recommend LL Bean.

Almost there
by Almost there
Wed Dec 10, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: woman's bathrobe gift
Replies: 7
Views: 848

Re: Travelers Roadside Assistance

Thanks, Toon, again for your input: Whats the worst thing that can happen if uou drop AAA and sign on to Travelers Roadside Assistance plan? If you aren't pleased you can always rejoin AAA. :happy I will save myself $120 and just go with Travelers. BTW = thank you everyone for your insights. They we...
by Almost there
Wed Dec 10, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2131

Re: Travelers Roadside Assistance

I know that many of you wrote using AAA for hotels, etc. I never do since my partner travels quite a bit and he has lots of points so we get to stay for free. So throughout the year I just don't ever use AAA, but in the back of my mind I hear: yeah but once you drop it you will need it again. Almost...
by Almost there
Tue Dec 09, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2131

Re: Travelers Roadside Assistance

Thanks, Toons, for your answer. Used to use AAA, many years ago.I found them to be useful before the age of the internet for the "triptiks" I used to get.Now we use Geico roadside assistance,minimal costs for the year. :happy I gather that you have your auto insurance with Geico and not pa...
by Almost there
Mon Dec 08, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2131

Re: Travelers Roadside Assistance

Thank you everyone for your input though I still have not received a decisive answer. Perhaps there isn't one?

Almost there
by Almost there
Mon Dec 08, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Travelers Roadside Assistance
Replies: 24
Views: 2131
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