Search found 98 matches

by marathonwmn
Mon Jul 27, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Name and address security [Shred mail received?]
Replies: 18
Views: 1341

Re: Name and address security

livesoft wrote:We shred because it is easy and recycle all paper. I'm OK with it because I don't want Officer Obie coming to find me.


Happy to see another fan of "Alice's Restaurant." It's a standard in my family!
by marathonwmn
Sun Jul 26, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 786

Re: Online Medicare account and Spousal SS benefits

Ron wrote Even though she received a new Medicare ID card (with my SS#), her current claims still show up on her on-line account, with no action taken. Claims on both her old/new Medicare number are shown. I believe that Medicare tracks both numbers against the same claimant name, so there is no ne...
by marathonwmn
Fri Jul 24, 2015 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 786

Re: Online Medicare account and Spousal SS benefits

mur44 You can have two accounts with Mymedicare.gov and then access two accounts an interim solution. I tried setting up an account with the new number and got this message: "According to our records, it appears that this Medicare Number is already registered." My ex who's a few months ol...
by marathonwmn
Thu Jul 23, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 786

Re: Online Medicare account and Spousal SS benefits

mickeyd Not sure what that is An online account is set up through medicare.gov and allows you to look at your claims before you get them in the mail and has other functionalities such as chatting with an agent online, requesting a new card if yours gets lost, looking ahead to preventive services fo...
by marathonwmn
Thu Jul 23, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 786

Online Medicare account and Spousal SS benefits

When I first became eligible for Medicare, I set up an online Medicare account. Now I'm receiving spousal SS payments, and with them came a new Medicare card with my ex's SS # followed by B6 (signifying: Divorced wife, age 62 or over). Will my Medicare claims filed under the new Medicare number be m...
by marathonwmn
Sun Jul 19, 2015 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with "new" money
Replies: 9
Views: 1413

Re: What to do with "new" money

Thanks to everyone who has responded.

I've thought about paying off the mortgage... 1/2 of the mortgage is for the rental side of a duplex and I take it as a deduction. Would you still recommend paying off the mortgage?

Thanks again!
by marathonwmn
Sun Jul 19, 2015 8:23 am
Forum: Investing - Help with Personal Investments
Topic: What to do with "new" money
Replies: 9
Views: 1413

What to do with "new" money

Emergency funds: Yes. Included below in Ally Bank Debt: Mortgage @3.88% 40K balance Tax Filing Status: Single Tax Rate: 15% Federal, 5.75% State State of Residence: NC Age: 66.5 Desired Asset allocation: 50% stocks / 30% bonds / 20% cash Desired International allocation: 18% of stocks Net worth (not...
by marathonwmn
Wed Jul 15, 2015 3:24 pm
Forum: Personal Consumer Issues
Topic: Mini-split air conditioner
Replies: 15
Views: 1700

Re: Mini-split air conditioner

Thanks to everyone for your thoughtful answers. I'm leaning towards installing a mini-split in the renter's side and waiting to do it on my side.
by marathonwmn
Sun Jul 12, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Mini-split air conditioner
Replies: 15
Views: 1700

Mini-split air conditioner

Hi all, I own a duplex, live in one side and rent the other. These are two story units each with central air and heat; the thermostat and air return for both units are downstairs. The upstairs is OK in winter but really warm in summer. The rental side upstairs is one LARGE bedroom with a bath and wa...
by marathonwmn
Tue Jun 16, 2015 11:20 am
Forum: Personal Consumer Issues
Topic: Wedding Reception
Replies: 68
Views: 8522

Re: Wedding Receiption

I agree with the sentiments expressed by several other posters. A cash bar is tacky! :thumbsdown

What you are offering already is sufficient. If you can afford mixed drinks in addition to the signature drinks, great! If not within you budget, go with what you've planned and enjoy!
by marathonwmn
Fri May 01, 2015 2:18 pm
Forum: Investing - Theory, News & General
Topic: What do you consider "cash"
Replies: 32
Views: 2681

What do you consider "cash"

Up to now I've thought that CDs are "cash" but reading some of the posts lately I get the impression that they are more in the bond category. Is this correct? If so, I'm not holding as much cash as I thought.

Thoughts, comments?
by marathonwmn
Mon Mar 09, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3154

Re: Divorcee about to reach FRA seeks SS information

It’s me again! Now that I'm fully into FRA, I’ve screwed up my courage and will go to the SS office on Wednesday. POMS GN 00204.020 Scope of the Application says: “D. Policy - restricting the scope of the application 1. General A claimant may choose to limit or restrict the scope of the application ...
by marathonwmn
Thu Jan 22, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: [Rear-ended, medical insurance claims and Medicare]
Replies: 7
Views: 540

[Rear-ended, medical insurance claims and Medicare]

I was rear ended last week (other driver was at fault).
Does any one on this forum have experience with how medical accident insurance claims work with Medicare? Did you sign a "Medicare Consent Release Form?"

Thanks in advance.
by marathonwmn
Thu Jan 22, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Cosign or write loan
Replies: 40
Views: 1667

Re: Cosign or write loan

Be aware of the gift tax exclusions. The 2015 limit is $14K per recipient per person. So you and your wife combined could give your daughter $28K and your SIL $28K for a total of $56K. The remainder of the cost of the house would count against your lifetime exclusion if you bought the house outrigh...
by marathonwmn
Wed Jan 21, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Injured in automobile accident and Medicare
Replies: 0
Views: 265

Injured in automobile accident and Medicare

I was rear ended last Wednesday and am having pain associated with the accident. The other driver admitted fault to the police officer. Other posts in the forum have recommended that one not sign authorization allowing the insurance companies direct access to medical records. Rather, it was suggeste...
by marathonwmn
Mon Jan 19, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: Am I making a mistake being too conservative?
Replies: 58
Views: 8000

Re: Am I making a mistake being too conservative?

Off topic, but it came to mind: Why is everyone assuming jnet2000 is a he? :confused
by marathonwmn
Mon Dec 01, 2014 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3154

Re: Divorcee about to reach FRA seeks SS information

Today I am FRA :beer and soon will file the restricted application for ONLY the benefits as an ex-wife in order to let my own grow until age 70. Yes. Just make sure that SS knows you are filing a restricted application for only the benefits as an ex-wife and not for your own "retirement" (...
by marathonwmn
Thu Jul 03, 2014 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Planning ahead
Replies: 4
Views: 346

Planning ahead

I'd like to retire from full time work in about a year and a half from now, at age 67. I plan to postpone SS until age 70. Two questions: 1- In the event that I'm be able to stay on with my employer on some kind of part-time basis, would it be better to get W-2 income or stay on as a "consultan...
by marathonwmn
Fri Apr 25, 2014 12:27 pm
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 1022

Re: .csv file for Savings Bond Wizard

But why are you entering bonds? I thought you already had them in excel? My experiment was just so you could see which items went in each column in what format. If you already had the data, just rearrange the columns to match the format they are looking for. If the date format they use it different...
by marathonwmn
Fri Apr 25, 2014 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3154

Re: Divorcee about to reach FRA seeks SS information

I applied online at 1 pm and took my paperwork (birth certificates* and passport and the marriage certificate) to my local office that afternoon. They copied everything, so my documents were out of my sight for less than three minutes. I was home by 3 pm (times verified from old emails to my now ex...
by marathonwmn
Fri Apr 25, 2014 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3154

Re: Divorcee about to reach FRA seeks SS information

Like you I am divorced. Back in February I filed my restricted application online. Someone from Social Security then contacted me and asked to mail my marriage certificate and divorce papers. They were returned 10 days later. Allow approx. 4-6 weeks for the application until you hear when your firs...
by marathonwmn
Fri Apr 25, 2014 11:50 am
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 1022

Re: .csv file for Savings Bond Wizard

Don't have bonds, don't have windows, but I would try this. 1) Install 2) Enter some bonds 3) Export to csv 4a) Open csv file in text editor (Look at it) 4b) Open csv file in excel (Look at it) 5a) Change values in text editor 5b.1) Change values in excel 5b.2) Export excel file as csv 6a) import c...
by marathonwmn
Thu Apr 24, 2014 1:07 pm
Forum: Investing - Theory, News & General
Topic: .csv file for Savings Bond Wizard
Replies: 7
Views: 1022

.csv file for Savings Bond Wizard

I have an Excel spreadsheet in which I've listed I Bonds and E Bonds with varying purchase dates and denominations. It's my understanding that an Excel file saved as .csv can be imported into the Savings Bond Wizard. My assumption is that I need to have 3 columns: Type of Bond, Denomination and Purc...
by marathonwmn
Sun Apr 06, 2014 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3154

Re: Divorcee about to reach FRA seeks SS information

But for you, the key is that you can apply to be his ex-wife without applying for your own old-age benefit once you reach full retirement age. Since you won't apply for your own benefit, you won't be entitled to it, so you can collect the $900 as the ex-wife and delay your application for your own ...
by marathonwmn
Sun Apr 06, 2014 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3154

Re: Divorcee about to reach FRA seeks SS information

P.S. I didn't have an ex, but my wife was deceased. I just called up and asked what her Primary Insurance Amount (PIA) was. I don't know why they trusted me, but they did. You want to ask for your ex's PIA. Don't ask about benefits, stick to the PIA. Your benefit as an ex-wife at your FRA is half o...
by marathonwmn
Thu Apr 03, 2014 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 26
Views: 3154

Divorcee about to reach FRA seeks SS information

I will reach FRA in December 2014. My ex husband reached FRA in February 2014. I was married for 17 years and have been divorced for 20. My ex husband and I don’t speak. I have no idea whether he has started taking SS benefits, nor what his benefit is (or might be). I understand that as a divorcee I...
by marathonwmn
Tue Jan 21, 2014 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Background checks for prospective tenants
Replies: 2
Views: 294

Background checks for prospective tenants

I own a duplex, live on one side and lease the other. My tenant of 15 years passed away and after some improvements and renovations the place is ready to be leased. Does anyone have experience with tenant background checks? Any suggestions/advise on the leasing process will be appreciated. Thank you...
by marathonwmn
Mon Dec 30, 2013 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Loan to daughter's business
Replies: 5
Views: 592

Re: Loan to daughter's business

Thanks for the responses. Borrower will pay interest of less than $600.00 per annum on a non secured loan. Do any forms need to be sent? From borrower to lender or vice-versa?
by marathonwmn
Mon Dec 30, 2013 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Loan to daughter's business
Replies: 5
Views: 592

Loan to daughter's business

I am about to make a small loan to my daughter's business. At the end of 2014 do I need to issue the company a form reporting interest received or does the business have to send me such a form? In either case, which form is it?

Thanks!
by marathonwmn
Fri Nov 15, 2013 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Rental property: the Mrs. Murphy Exemption
Replies: 7
Views: 1573

Rental property: the Mrs. Murphy Exemption

I own a duplex in North Carolina, live on one side and rent the other. My tenant of 15 years passed away and now I need to re-rent the place. My preference is to have only ONE occupant. The website shown below states: ...Fair Housing Act (FHA) contains a handful of exceptions, the most famous of whi...
by marathonwmn
Fri Nov 01, 2013 12:56 pm
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 5494

Re: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan

If I sign up for a 2013 plan, what happens come January 1? If I sign up for a 2014 plan, what coverage do I have for the month of December? Part D plans are calendar year plans. 2014 plans start coverage January 1 2014. No coverage for prior dates. 2013 plans end coverage December 31 2014. But in t...
by marathonwmn
Fri Nov 01, 2013 12:04 pm
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 5494

Re: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan

I turn 65 in December of this year and am learning to navigate these new waters. My effective Medicare date is 12-1-2013. I'm looking at plans on medicare.gov and that's very helpful but I'm confused as to whether I should sign up for a 2013 plan or a 2014 plan. My results are different for each of ...
by marathonwmn
Tue Oct 29, 2013 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Decision time on Medicare Part D
Replies: 15
Views: 1265

Decision time on Medicare Part D

Has anyone on this forum had experience with either of these two Plans?

Humana Walmart-Preferred Rx Plan (PDP) S5884-133

AARP MedicareRx Saver Plus (PDP) S5921-353

I'm about to sign up and would love some input. :confused
by marathonwmn
Mon Sep 30, 2013 1:00 pm
Forum: Personal Consumer Issues
Topic: Fencing
Replies: 3
Views: 495

Fencing

Has anyone had any experience with privacy fencing either wood or vinyl? I need to replace a 30+ year old cedar shadowbox fence and cedar is more expensive than I can afford.

Thanks for any insights.
by marathonwmn
Mon Sep 30, 2013 12:56 pm
Forum: Personal Consumer Issues
Topic: Dog has difficulty [with medical condition]
Replies: 35
Views: 3538

Re: Dog has difficulty [with medical condition]

My dog developed a fear of stairs after I changed from carpet to hardwood. I bought 2 inexpensive rubber backed runners at Costco and trimmed them to tread size. This worked great so I think your dog will benefit from the runners suggested by some of the other folk. Good luck! What we won't do for o...
by marathonwmn
Thu Jun 20, 2013 12:07 pm
Forum: Investing - Theory, News & General
Topic: Bond funds if interest rates rise
Replies: 5
Views: 1183

Bond funds if interest rates rise

I’m trying to understand potential losses in bond funds if interest rates were to rise. Today I found what I believe to be a very understandable explanation: http://www.schwab.com/public/schwab/resource_center/expert_insight/investing_strategies/bonds/should_you_worry_about_bond_funds_if_interest_ra...
by marathonwmn
Fri May 31, 2013 12:50 pm
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 12
Views: 3365

Re: New "Flagship Select" level at Vanguard

I'm not even close to reaching "Flagship Select" level, however the post made me wonder what kind of service one can get from a complimentary consultation with a CFP at Vanguard. See https://investor.vanguard.com/what-we-offer/investing-help/help-me-when-i-need-it Or if this other service ...
by marathonwmn
Sun May 26, 2013 12:30 am
Forum: Investing - Theory, News & General
Topic: Categorizing EE and I bonds in "Balances and Holdings"
Replies: 13
Views: 978

Re: Categorizing EE and I bonds in "Balances and Holdings"

On the Vanguard site I list the TSP "G" fund, I-Bonds, CD's and even high yield MM as high quality bonds, pick an appropriate term and update the values on a monthly basis. I list our checking account as short term reserves. I do this to distinguish between "fixed income" and eq...
by marathonwmn
Sun May 26, 2013 12:29 am
Forum: Investing - Theory, News & General
Topic: Categorizing EE and I bonds in "Balances and Holdings"
Replies: 13
Views: 978

Re: Categorizing EE and I bonds in "Balances and Holdings"

On your Outside Investments edit page, there are 'edit' links on the right: http://screencast.com/t/qEi47MpAw7x Click those and you'll see the dropdown menus to choose quality/maturity: http://screencast.com/t/7HS1ohTMBXn I set my I Bonds to high quality, short term ... not sure what to think of EE...
by marathonwmn
Fri May 24, 2013 8:10 am
Forum: Investing - Theory, News & General
Topic: Categorizing EE and I bonds in "Balances and Holdings"
Replies: 13
Views: 978

Categorizing EE and I bonds in "Balances and Holdings"

Does anyone know a symbol for EE and I bonds that one can enter in the Vanguard list of "Balances and Holdings" so that they will be categorized properly. Right now they show as "uncategorized" in the Bond Analysis section of "Portfolio Watch" :confused

Thanks!
by marathonwmn
Thu May 23, 2013 8:06 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 8
Views: 1201

Re: How am I doing?

Hello and welcome to the forum! You may know your symbols by heart - but we don't and we don't have the time to look each of them up. Can you please list by name the investments with their expense ratios and percentage of portfolio held in each? Nice ASICS, btw. Hello Grt2bOutdoors. I replied to yo...
by marathonwmn
Thu May 23, 2013 7:45 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 8
Views: 1201

Re: How am I doing?

Hello, My wife is also an avid marathon runner. Not to be a wise-guy, but it would help to know roughly what your portfolio size is before putting forward an opinion on how you're doing. I know your total assets are $1.1M, but is your house $1M? Is there a reason you have so much cash? Hello Tomato...
by marathonwmn
Thu May 23, 2013 7:34 am
Forum: Investing - Theory, News & General
Topic: HSA
Replies: 16
Views: 1586

Re: HSA

Thank you Bill M. Very helpful and encouraging information in your reply; I'm glad my "gut" told me to pay current expenses out of pocket and let the HSA ride. Medicare doesn't count as a HDPD, so once you are covered by Medicare you can't contribute anything further to the HSA. But you ca...
by marathonwmn
Wed May 22, 2013 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 8
Views: 1201

Re: How am I doing?

Sorry I left out the fund names in the original post! The reason for so much cash is that it "feels" safe. I "should" put it into something which will yield more but don't know what will yield more with the same comfort level. House is worth @ 300,000 ____Original post follows be...
by marathonwmn
Wed May 22, 2013 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 8
Views: 1201

How am I doing?

I'd like to retire in 2 years 8-) How do y'all think I'm doing? I should rebalance; what stock fund should I sell; which bond fund should I buy? I plan on buying 10K in I-bonds using cash from the Capital One account. Total assets including house @ 1.1M Emergency funds: Three to six months of expens...
by marathonwmn
Wed May 22, 2013 12:44 pm
Forum: Investing - Theory, News & General
Topic: HSA
Replies: 16
Views: 1586

Re: HSA

My HSA is at OptumHealthBank and I believe that I don't pay any fees because of the amount in the account.

One more question - MUST I start taking annual distributions at the same age as from a regular IRA?
by marathonwmn
Tue May 22, 2012 12:38 pm
Forum: Investing - Theory, News & General
Topic: HSA
Replies: 16
Views: 1586

HSA

I have an HSA but don't use it to pay may medical expenses because those monies are earning tax free interest and dividends. The medical expenses are paid out of other sources. My question is: what happens to the HSA when I turn 65 and start drawing Social Security. Can those funds still stay in the...
by marathonwmn
Tue Apr 24, 2012 2:00 pm
Forum: Personal Consumer Issues
Topic: Kitchen remodeling
Replies: 17
Views: 2045

Re: Kitchen remodeling

Thank you to everyone who replied ... a lot of food for thought!
by marathonwmn
Mon Apr 23, 2012 2:57 pm
Forum: Personal Consumer Issues
Topic: Kitchen remodeling
Replies: 17
Views: 2045

Kitchen remodeling

I live in a house built in 1973. All kitchen appliances are original so I want to get new appliances and update the look of the kitchen. Is this something I can/should tackle without a general contractor? In other words, can I do all the contracting myself; hiring the cabinet maker, plumber, floor i...

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