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Re: Windfall Elimination Provision question

Sounds complex. I can only suggest reading the social security website and seeing if you find anything more. Do you know if the person you saw at social security is the one to determine if you are subject to WEP or not? Even though it was your own money and you took a lump sum there was interest inv...
by mbres60
Tue Nov 11, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Windfall Elimination Provision question
Replies: 16
Views: 1741

Re: Is Final Social Security calculated monthy or annually?

If you retire at 69 and 6 months, your DRC will be 28% starting with the following Feb payment for January. However, in the calendar year your benefits actually begin (and for that calendar year or portion of that calendar year only), your DRC will not include DRCs earned in that calendar year. So ...
by mbres60
Sun Nov 09, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Final Social Security calculated monthy or annually?
Replies: 10
Views: 1102

Re: What would you do about Comcast over billing?

Very nice of you to help. Sorry about the difficulties though. I would call back and if they can't fix it then ask for a manager.
by mbres60
Fri Nov 07, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: What would you do about Comcast over billing?
Replies: 15
Views: 1038

Re: I bought this new mattress….

I did buy from a local store… Sears. They are delivering a new mattress tomorrow. We will see how that goes. In the store they have a full size (we bought queen) and that one fits the box spring. Also the store mattress is softer after people sitting on it etc. There is a tag on the mattress that sa...
by mbres60
Fri Nov 07, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2224

Re: I bought this new mattress….

We have a king, and DW likes a softer mattress than I do. We solved this by using a softer box spring on her side. There are different box springs depending upon whether you buy a firm or plush mattress? Of the people who mentioned about the firmness of their mattresses it seems like what is delive...
by mbres60
Mon Nov 03, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2224

Re: I bought this new mattress….

Can anyone answer how fast or slow their new mattress has needed to break in? Was the delivered mattress as comfortable as the one in the store that many people have already been on?

Oh.. and this is an innerspring style mattress.
by mbres60
Mon Nov 03, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2224

I bought this new mattress….

We bought a new queen size mattress and box spring for our guest room. Will be used about 5-6x per year for a couple of days each time. Of our main guests one wanted soft and the other firm :( The one in the store was firm but not too firm so we bought that instead of plush. It was just delivered. B...
by mbres60
Mon Nov 03, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2224

Re: Electric Water Heater

When you travel turn off the power and water supply to the heater. How will that stop a water heater from emptying its contents? If the water main is turned off, when a little water leaks out it relieves the pressure in your plumbing. So instead of water being pushed through a crack by the utilitie...
by mbres60
Tue Oct 28, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 983

Re: Electric Water Heater

It works fine but now that we are retired we want to travel some and don't want to have to worry about a catastrophic failure while we are gone. When you travel turn off the power and water supply to the heater. How will that stop a water heater from emptying its contents? I just called another plu...
by mbres60
Tue Oct 28, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 983

Electric Water Heater

I have a 12 year old electric water heater… 80 gallons. It is the third one we have owned in this house. The first was a Bradford White which the builder put in. It emptied its contents all over our finished basement. The second… don't remember the brand but bought at a place like a Home Depot faile...
by mbres60
Tue Oct 28, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Electric Water Heater
Replies: 14
Views: 983

Re: Mold in dishwasher

First I would hazard to guess what you saw was mildew rather than mold. Second, if you are concerned about either, run the thing empty with a 1/4 cup of bleach in it on hot water. Third, most dishwashers keep some water at the bottom of the dishwasher - this primes the drain area and is normal. Fou...
by mbres60
Sun Oct 19, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1137

Re: Mold in dishwasher

Any porous substances with mold should be discarded. Is the water hot enough in the dishwasher? Is your water heater set high enough? Is the dishwasher LEVEL on the floor to allow for proper drainage. Are you using the "dry" setting to evaporate extra water or just "air drying?"...
by mbres60
Sun Oct 19, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1137

Re: Mold in dishwasher

The bottom of the dishwasher is damp. Not all of it but a lot of it. Along the edges and all in the middle where the filter and drain are. It is not standing water, just damp. You don't really see it but if you put your finger on it you will feel it. Is this normal? We never had it with our last dis...
by mbres60
Sun Oct 19, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1137

Mold in dishwasher

My dishwasher is almost 1 1/2 years old. It is stainless steel inside. We turn it on about every 4 days because there are only two of us. We went away for 6 days and left about two days worth of dishes inside. When we came home we found some mold inside… mostly on one dish but a little on the floor ...
by mbres60
Sun Oct 19, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1137

Re: Cruise to Mexico

check out the forums at cruise critic.com to get your answers.
by mbres60
Thu Oct 16, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Cruise to Mexico
Replies: 4
Views: 526

Re: Vegas Vacation!

Went this past July for the first time in about 38 years. Saw Jersey Boys and Donny and Marie. Loved both of the shows. Also went to a few buffets. Bought tickets for everything (including buffets) at the tix4less booth. 1/2 price is the way to go! (Jersey Boys was discounted but not 1/2 price). Of ...
by mbres60
Thu Oct 16, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Vegas Vacation!
Replies: 50
Views: 3932

Re: New hardwood floor

We had 800 sq ft of pre-finished hardwood put down in our downstairs. Took 2 days. If you are talking about one room then it sounds like one day.
by mbres60
Sun Oct 05, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 1604

Re: Why is The Suze Orman Show showing repeats?

Don't know why the reruns but I went to her website and it shows her twitter feed. She has been on vacation the last week or so. She also mentions that she is beginning to start taping new episodes. fyi- I too noticed reruns this summer when I had previously not seen reruns before. I guess they were...
by mbres60
Tue Sep 02, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Why is The Suze Orman Show showing repeats?
Replies: 20
Views: 2769

Re: Costco:is it worth it for just two people?

If you are close enough getting gas there (assuming they have a gas station as not all do) can put you ahead. We don't buy too much (although do indulge in all the free samples :D ). Mostly we buy toilet paper, paper towels and a few other items. It lasts a long time. We often walk in after buying g...
by mbres60
Sat Aug 30, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12705

Re: SS Benefit Amounts

What month did you reach FRA? DRCs are earned at a rate of 2/3% per month and are applied starting in January of the next year. Calculation using 8% per year will give incorrect answers. The wiki has a more detailed explanation. I'm surprised the person you spoke to at Social Security was not aware...
by mbres60
Sat Aug 23, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefit Amounts
Replies: 6
Views: 1131

Re: SS Benefit Amounts

Glad I am not the only one! Assuming my FRA benefit is approximately correct then I can figure out the next years til age 70. However, if my FRA amount is not correct…. :? I have a couple of more years to go although I may go to the SS office to confirm the amount next year after this years earnings...
by mbres60
Sat Aug 23, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefit Amounts
Replies: 6
Views: 1131

SS Benefit Amounts

I used the online calculator to estimate my social security benefit amounts after FRA. I needed to enter in to the calculator how much I earned over the years . I also needed to estimate how much in 2014 and 2015. I retired this year and already know how much I earned. Next year will be $0. It gave ...
by mbres60
Sat Aug 23, 2014 10:06 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefit Amounts
Replies: 6
Views: 1131

Re: I failed SS login

It is more than 24 hours so I tried again. Different questions so I had no trouble this time. After logging in I saw a tab that said security settings so clicked on it. That is where it tells you that your password will expire in I believe 179 days. In my case Feb 17, 2015.

Thanks
by mbres60
Thu Aug 21, 2014 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1853

Re: I failed SS login

Thanks all! I'll try again tonight and see if it works. Hopefully I won't have to go to the SS office or call.
by mbres60
Thu Aug 21, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1853

I failed SS login

Yesterday I tried to set up a login account with the social security website. I failed. :twisted: Says I have to wait 24 hours before I can try again. Does anyone know if it is to the minute? It was around 6 pm last night. Do the questions change? The question I had to have messed up is the one whic...
by mbres60
Thu Aug 21, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1853

Re: High School Reunions--Have you attended?

I moved away. Went to the 10th (It was "ok") and went to the 40th. The 40th was wonderful. Lots of fun seeing all these people I hadn't seen since I was 18.
by mbres60
Sun Aug 03, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5545

Re: Two month car rental

When renting a car for 2+ months and expecting to drive 7-10K miles, is the renter responsible for bringing the car in for service, oil change etc? We too are going on a road trip like you but for less time. We debated about renting a car or not (ours has 139,000 miles). Our mechanic said it was go...
by mbres60
Sun Jun 29, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: Two month car rental
Replies: 28
Views: 2066

Re: Rachel is everywhere!

I feel sorry for all the real Rachels who have to make legitimate calls and say "hi this is Rachel". Do people hang up on their friends?
by mbres60
Sat Jun 28, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Rachel is everywhere!
Replies: 10
Views: 1400

Re: water bottles and road trip

Thanks for all of your suggestions!
by mbres60
Sat Jun 21, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1918

water bottles and road trip

We are taking a long road trip this summer and need to have water with us. I know that the heat is not good for plastic. How do those of you who have taken extended road trips deal with this? We will be in many areas that are remote so buying on a daily basis is not feasible. If we buy a case of wat...
by mbres60
Sat Jun 21, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1918

Re: Shopping at Costco

The COSTCO where I shop (Virginia) checks id/membership at the door when you go in. I don't even think you can get to the pizza/hot dogs/drink/etc. area without a membership. Before we joined Costco we used to go inside the store through the door where people go out. We would then walk over to the ...
by mbres60
Tue Jun 17, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5675

Re: Roll Call for the Retirement Class of 2014!

Retired May 31.. 63 years young.
by mbres60
Wed Jun 11, 2014 8:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23032

Re: NYC for the day… what to do with the car

Rainier wrote:Where are you staying in CT? If you are along the metro north line the lots are generally free on the weekend (maybe not in the bigger cities)


Heading to Shelton which is the last town in Fairfield County. Too far to drive and take a train into the city and back out. Too much backtracking.
by mbres60
Tue May 27, 2014 6:15 pm
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1137

Re: NYC for the day… what to do with the car

Thanks all! We will probably park at Tarrytown and take the train. The website says on days of Yankee games there is a $10 fee to park. Anyone know if it is self parking?
by mbres60
Tue May 27, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1137

Re: NYC for the day… what to do with the car

My dh doesn't want to use valet parking so we will probably not drive into the city (unless he changes his mind). I have tried reading the websites for the Tarreytown Metro North station. It is unclear to me about the parking. It is free week ends except for Yankee home games ($10 and there is a hom...
by mbres60
Mon May 26, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1137

Re: NYC for the day… what to do with the car

Any place after the bridge to park and take a train? ... If so, how long would it take to get into Manhattan? Any ideas? Thanks. There are three commuter rail lines into NYC from east of the Hudson River: the Hudson, Harlem, and New Haven lines. If you're coming across the Tappan Zee Bridge heading...
by mbres60
Mon May 26, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1137

Re: NYC for the day… what to do with the car

Given the brevity of the visit and the fact that you will be there in Saturday, it might make more sense to brave a short drive into Manhattan. Get off the GSP at exit 129 and take the NJ Turnpike into the Manhattan (Lincoln Tunnel) and park somewhere around 11th Ave and 34th, good chance of findin...
by mbres60
Mon May 26, 2014 7:46 am
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1137

NYC for the day… what to do with the car

My dh and I have something doing in CT Sunday night. Long ago I made hotel reservations for Saturday and Sunday but now find there is no need to be there Saturday so could cancel the room. My dh suggested we spend the day in NYC (haven't been there since the 90's) and then drive to CT at night as we...
by mbres60
Mon May 26, 2014 6:41 am
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1137

Re: Denied Free Retirement Plan

My 401k is administered by Vanguard but I can not combine those funds with my IRAs and taxable to reach flagship status. I don't know why but they said no. I guess I'll have to wait til I'm 70 and roll it over to an IRA to reach that level (I get lower fees in the 401k than I would if I rolled it to...
by mbres60
Sun May 25, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Denied Free Retirement Plan [at Vanguard]
Replies: 31
Views: 3490

Re: CNBC - 4% doctors are millionaires!!

nisiprius wrote:I think the chart is saying that only 4% of millionaires are doctors. That's quite different from saying only 4% of all doctors are millionaires.


I agree. The chart shows that 4% of millionaires are doctors.
by mbres60
Thu May 08, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 11253

Re: Purchasing IPad and need advice

Sidney wrote:You might consider getting a portable wifi hotspot and skipping the embedded cellular in the Ipad. Then you could use either the laptop or the Ipad with the wifi


Thanks but we don't have smartphones and need the cellular service to get on the internet while driving to search out hotels, etc.
by mbres60
Sun May 04, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 2005

Re: Purchasing IPad and need advice

Thanks all! I do have a few questions though. DSInvestor- will the iPad come with something to hook up to my Macbook Pro? What happens to these devices in the heat of the trunk all day? (the iPad would be in the car with us but if we bring the laptop it would be in the trunk) kenschmidt - how do you...
by mbres60
Sun May 04, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 2005

Purchasing IPad and need advice

As the title says…. We don't have smart phones and are planning on buying an IPad with wifi and cellular service (going on a long trip and will need the cellular service). What I am not sure of is if we should get the 16 gb or 32 gb. Mostly we will use it for surfing the web, email and some photos. ...
by mbres60
Sun May 04, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 2005

Re: Medicare and FEHB

It really is a hard decision because we don't know our future health needs. My dh is turning 65 soon (he is the retired fed). Our health insurance is through an HMO . If we pay for Part B this HMO does not waive the copays so it would be to have it in case we want to change plans someday or for som...
by mbres60
Mon Apr 21, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and FEHB
Replies: 16
Views: 1275

Re: Medicare and FEHB

It really is a hard decision because we don't know our future health needs. My dh is turning 65 soon (he is the retired fed). Our health insurance is through an HMO . If we pay for Part B this HMO does not waive the copays so it would be to have it in case we want to change plans someday or for some...
by mbres60
Sun Apr 20, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and FEHB
Replies: 16
Views: 1275

Re: Financial plan for pensioned in-laws

I'll help to answer question #1. The answer is that earned income is from doing work, not earning a pension. Therefore they don't qualify unless someone picks up a part time job somewhere.
by mbres60
Sun Apr 13, 2014 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan for pensioned in-laws
Replies: 19
Views: 1374

Re: Death of co-worker

Sorry for your loss. It is all a balancing act as we don't know what will happen. If we just lived for today we could be broke for our tomorrows.
by mbres60
Sun Mar 30, 2014 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 10419

Re: Opinion on pension options

The 3 fund portfolio is fine for this purpose, at either your 50/50 allocation or even a bit lower on the stocks, if necessary. When you say you "mostly" do the 3 fund portfolio, however, it's important to know how it might vary. It's good that you are in low expense funds. Other alternat...
by mbres60
Thu Mar 20, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 577

Re: Opinion on pension options

Anybody else have any thoughts? What would you invest the $20,000 in so you could have a monthly payout of approx $117 that will keep pace with inflation. Keep in mind it would be in a tIRA. Also, would setting this tIRA have an effect when I take out my after tax contributions from my 401k in about...
by mbres60
Thu Mar 20, 2014 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 577

Re: Opinion on pension options

Pension will almost certainly get you a better rate than a lump sum buying an annuity. People who buy annuities live longer than the average, so they get worse rates. Vt, you know I have to play devil's advocate. Yes, there is an adverse selection premium, and let's remember there is gender bias, a...
by mbres60
Wed Mar 19, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 577
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