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Free Credit Report

Thank you everyone for your timely input. I finally looked at my old files and found that I had done credit reports: Equifax; June 2011 Experian: July 20112 Transunion: May 2013 So it wasn't all that bad, however, thanks for the admonishments. :D :oops: Carl262 wrote: http://www.annualcreditreport.c...
by Almost there
Wed Mar 25, 2015 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 837

Free Credit Report

It has been at least 2-3 years since I last requested my free credit report. Now when I went to the 3 major credit reporters, I was surprised to find out that they charge a fee.

Does anyone know where I can still receive a free credit report?

Almost there
by Almost there
Tue Mar 24, 2015 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report
Replies: 8
Views: 837

Re: close credit card?

Funny, you are opening an account with BOA while I just decided to close mine. I just put the card in the drawer.
I would look at Citibank for a new credit card.

Almost there
by Almost there
Tue Mar 24, 2015 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: close credit card?
Replies: 7
Views: 864

When will / did you claim Social Security benefits?

eyeYield wrote: . . . From my personal experience, I've found that zero percent of the people I've approached (and I approach several people everyday and have signed up 13 people over the past three years for Roths) know what an expense ratio is. If a single percentage point of people, in the genera...
by Almost there
Thu Mar 19, 2015 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Re: When will / did you claim Social Security benefits?

I went back to my 2009 Social Security statement when in April 2010 I would turn 62. If I had started Social Security that year, it would have taken me 16 years (to age 78) to catch up with choosing to take SS at age 66. However, after age 78, I will be receiving almost double in SS then if I had st...
by Almost there
Sun Mar 15, 2015 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Re: When will / did you claim Social Security benefits?

One also has to take into consideration that if you decide to draw SS at age 62 and you are still working, money has to be paid back to Uncle Sam (is it $1.00 for every $2.00 you are earning?). And if you are not working, then you are paying for health insurance until age 65 when you can sign up for...
by Almost there
Sat Mar 14, 2015 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Re: When will / did you claim Social Security benefits?

In the meantime, Wildbeest, I just read in the USA TODAY (February 23, 2015) about a book: Get What's Yours: The Secrets to Maxing out Your Social Security. The authors (Philip Moeller and Paul Solman answer the question: What is the biggest mistake people make with Social Security? People take thei...
by Almost there
Mon Mar 09, 2015 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Re: When will / did you claim Social Security benefits?

Mickeyd wrote:
I let my account cruise along while collecting 8%


As far as I am concerned, 8% is excellent.

Almost there
by Almost there
Mon Mar 09, 2015 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Re: When will / did you claim Social Security benefits?

Thank you Wildbeest. My score was 100. Now I just hope that we both have enough money saved.

Almost there
by Almost there
Mon Mar 09, 2015 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Re: How long did you stay in your starter home?

Thanks, 2 bits, for your insight: Sometimes we consider a move but we like it and the convenient down town neighborhood. I am not looking forward to moving all this stuff. We live in southern NJ and, down the road, thinking about moving to Arizona (about 1 hour South of Phoenix). Now, however, I rea...
by Almost there
Mon Mar 09, 2015 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4633

Re: Divorcee about to reach FRA seeks SS information

Thanks, The Wizard, for your input.

I chose online for the ease and the horror stories I heard about the local office. In hindsight (and I've always been real good at it), I would do it online again. Truly no problem.

Almost there
by Almost there
Mon Mar 09, 2015 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 2913

Re: When will / did you claim Social Security benefits?

The Wizard wrote: Three things could keep me from claiming at 70: 1) sudden death :( 2) significant life shortening illness :( 3) a 50%+ drop in the broad stock market :( So, fingers crossed... I don't think you meant it. You are keeping your fingers corssed that the broad stock market doesn't drop ...
by Almost there
Mon Mar 09, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Re: Divorcee about to reach FRA seeks SS information

Thank you, The Wizard, who wrote: You file under your own name, yes, but I would do it in a SS office rather than online. You may need evidence of the marriage and divorce to show them; google Divorced Spouse Benefits at the ssa.gov website. Their site CLAIMS you can file for this online and I got m...
by Almost there
Mon Mar 09, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 2913

Re: Divorcee about to reach FRA seeks SS information

You file under your own name and SS #.
So much easier to do it online.

Almost there
by Almost there
Mon Mar 09, 2015 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 2913

Re: When will / did you claim Social Security benefits?

Carl53 wrote: I plan for 70, but will take spousal at 66, FRA, with my spouse taking at 62. This is exactly what I am doing and it is working out just fine for me. I just looked at my first Social Security statement dated 12/27/1999 - (I was 51 years) and it indicated that I would receive the follow...
by Almost there
Mon Mar 09, 2015 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Federal Income Tax Return

Good news.

Used H & R and filed my federal income tax online on 2/28/15. My refund has been deposited into my account today!!

Almost there
by Almost there
Mon Mar 09, 2015 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Income Tax Return
Replies: 0
Views: 213

Re: Higher Downpayment a Good Idea?

Staythecourse wrote: My two cents are you have not given enough information to get the advice you are looking for. I treat a house as a LARGE, illiquid purchase so think the best move (pun intended) is to buy where you can stay in the house as LONG as you need and don't NEED to sell in any circumsta...
by Almost there
Mon Mar 09, 2015 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Higher Downpayment a Good Idea?
Replies: 32
Views: 2778

Re: When will / did you claim Social Security benefits?

At age 66 and receiving 1/2 based on my ex.
At age 70 will receive Social Security based on my earnings.

Almost there
by Almost there
Sat Mar 07, 2015 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9997

Re: How long did you stay in your starter home?

Bought a small house in 1975 and sold it in 1978 to buy a larger home. Stayed there for 20 years.

Almost there
by Almost there
Sat Mar 07, 2015 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4633

Re: Talking Salary Tomorrow - HELP!

Congratulations on the 9% raise and bonus.

Almost there
by Almost there
Thu Mar 05, 2015 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2649

Re: Higher Downpayment a Good Idea?

We put 40% down, 15 year mortgage and are adding $200/month which goes to paying down principal. This also shortens the life of the mortgage.

Almost there
by Almost there
Thu Mar 05, 2015 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Higher Downpayment a Good Idea?
Replies: 32
Views: 2778

Re: "Lifestyles Unlimited" <- Anyone know about them?

I have never heard about this company, however, I wouldn't pay anyone a dime for info which can be had anywhere else for free.

Almost there
by Almost there
Thu Mar 05, 2015 6:41 pm
 
Forum: Personal Consumer Issues
Topic: "Lifestyles Unlimited" <- Anyone know about them?
Replies: 17
Views: 2016

Re: Switching electric companies--your thoughts?

Received my electric and gas bill from PSE&G today for the month of February. I live in a townhouse in southern NJ. Gas is used just for heat. Dryer is electric. Run dryer 3-4 times per week and dishwasher 2 times per week. Electric delivery charges: $0.062445328 kWh Electric Supply charges: Cha...
by Almost there
Wed Mar 04, 2015 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Switching electric companies--your thoughts?
Replies: 16
Views: 1273

Re: Frozen Pipes/No Water In Home

In the past, electric shock always worked (while praying). Keep the pipes insulated especially the ones which have an outside wall. Also, keep the temperature higher in the house. 62 is way to low.

Almost there
by Almost there
Wed Mar 04, 2015 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Frozen Pipes/No Water In Home
Replies: 29
Views: 2690

Re: Is Yahoo Mail working very slowly???

Thank you, Oreamnos, for suggesting Outlook. Live.com has been replaced by outlook.com now. It's actually quite good, in my experience. When I tried to download Outlook, I received the following message: Do you want to set up outlook to connect to an email Account? Yes or No. What does it mean if I ...
by Almost there
Wed Mar 04, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1378

Re: Is Yahoo Mail working very slowly???

Thank you, Parthenon, for your website: http://www.isitdownrightnow.com/mail.yahoo.com.html which was an eye opener. I thought there was something terrible wrong with my computer. Felt somehow better after reading so many peoples' comments on what is wrong with Yahoo. A friend of mine suggested to s...
by Almost there
Wed Mar 04, 2015 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1378

Re: Is Yahoo Mail working very slowly???

Thanks OP for bringing up this problem. I have been experiencing this for the past 6-7 months. I have a new computer since March 2014, using IE and Windows 7. I live in NJ and every afternoon around 4:45 - 6:00 P.M. Yahoo slows down to the speed of dial up. AWFUL. I will check into everyone's sugges...
by Almost there
Tue Mar 03, 2015 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Yahoo Mail working very slowly???
Replies: 26
Views: 1378

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 3206

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: 825

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: 825

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: 825

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: 825

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: 825

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: 825
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