Search found 530 matches

by mur44
Tue Jul 28, 2015 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Handling Medical Expenses in Retirement
Replies: 18
Views: 1366

Re: Handling Medical Expenses in Retirement

If you obtain Medigap (supplemental) insurance, you do not incur any out of pocket expenses for Hospitalization, Out-patient and Medical expenses (such as doctor visits). The monthly premium is rather high for Medigap plans. Medicare is a complex program for the newly eligible beneficiaries and it i...
by mur44
Thu Jul 23, 2015 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Online Medicare account and Spousal SS benefits
Replies: 9
Views: 783

Re: Online Medicare account and Spousal SS benefits

You can have two accounts with Mymedicare.gov and then
access two accounts an interim solution.
by mur44
Sat Jul 18, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Is Medicare required when one has adequate retiree health insurance?
Replies: 22
Views: 1586

Re: Is Medicare required when one has adequate retiree health insurance?

In general, you will need to enroll in Medicare Part B as part of retiree health insurance. Part D is usually not needed. To obtain free and unbiased counseling, call or visit your local SHIP (State Health Insurance Assistance Program) by choosing your state and county: https://shipnpr.acl.gov/Defau...
by mur44
Tue Jul 07, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: Problem Upgrading from Windows 8.0 to 8.1
Replies: 3
Views: 281

Re: Problem Upgrading from Windows 8.0 to 8.1

Thanks for the assistance. I just completed the install of 8.1
by mur44
Tue Jul 07, 2015 7:05 am
Forum: Personal Consumer Issues
Topic: Problem Upgrading from Windows 8.0 to 8.1
Replies: 3
Views: 281

Problem Upgrading from Windows 8.0 to 8.1

I tried twice to upgrade my Toshiba laptop from Windows 8.0 to 8.1. I received the following message: (I got the message after 2 hours into the upgrade) "Could not update to Windows 8.1. Sorry, we could not complete the update to Windows 8.1 ..... 0x80070004 - 0x2004001c " Any help in diag...
by mur44
Sun Jun 28, 2015 5:47 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2554

Upgrading to Windows 10?

I still have Windows 8.0 with a third party
Start button on my laptop PC.

Do I need to upgrade to Windows 8.1 prior to
moving to Windows 10?
by mur44
Fri Jun 12, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 3147

Re: Which is a best place to start learning yoga?

Try your local library first. Group setting is
always better.

Yoga is a philosophy and it would help you
if you learn the 8 aphorisms. You need not
change your religion.
by mur44
Mon Jun 08, 2015 7:09 pm
Forum: Personal Consumer Issues
Topic: Medicare questions regarding to retiring to overseas
Replies: 6
Views: 1149

Re: Medicare questions regarding to retiring to overseas

If your friend is planning to live in Taiwan for a long period of time, it may be cost effective NOT to enroll in Medicare Part B, whose monthly premium is now at $104.90. Also, Medicare Part D (drug coverage) may be skipped. This strategy is OK to use if your friend plans to stay in Taiwan for at l...
by mur44
Mon Jun 08, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Healthcare before Medicare choices ?
Replies: 8
Views: 1297

Re: Retiree Healthcare before Medicare choices ?

Healthcare.gov is one of the places to compare
health insurance premiums.

First determine your health insurance needs
(based on your health and wealth) and then go on shopping.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Fri May 22, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare and Major Medical Question
Replies: 10
Views: 1140

Re: Medicare and Major Medical Question

Medicare beneficiaries rarely buy 'major medical' insurance. Please note that Medicare would cover ambulance expense indirectly (hospital will transport to skilled nursing and thus included in their bill provided one stayed as in-patient for 3 days or more). Boglehead rule of thumb is not to buy ins...
by mur44
Wed May 20, 2015 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: medicare signup representative
Replies: 4
Views: 425

Re: medicare signup representative

You may want to visit your local SHIP
(State Health Insurance Assistance Program) counselor
for free and unbiased advice:

http://www.shiptacenter.org/allstate/oh/

It appears that your visiting web site triggered
lot more?


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Wed May 20, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 26
Views: 2777

Re: Any Experiences Buying Mattress Online

Thank you all for the answers - very useful information.

Sleepys has great Memorial day sale and I made the
purchase.
by mur44
Tue May 12, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: Any Experiences Buying Mattress Online
Replies: 26
Views: 2777

Any Experiences Buying Mattress Online

We need 2 new mattresses and I understand
that Memorial day sales offer significant discounts for
the same.

I am tempted to order online as their prices
seem to be lower than brick & mortar showrooms.

If you bought online, can you share your experience?
by mur44
Wed May 06, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Decisions - still working
Replies: 13
Views: 1235

Re: Medicare Decisions - still working

You are right. As long as you are working (for an employer with more than 20 employees), you can enroll in Medicare Part A for free as long as you have 10 years of employment. Medicare will be secondary payer and your employer coverage remains primary. You will have Special Enrollment Period when yo...
by mur44
Thu Apr 09, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Baseboard Hot Water Heating System Vibration
Replies: 9
Views: 703

Re: Baseboard Hot Water Heating Furnace Noise

Thanks all of you for the replies. Our plumber thought it is the pump, so he replaced the pump. But, the noise is NOT completely gone. REDUCED level noise continued almost every day, early morning between 6:30 AM - 8 AM and the noise lasts about 3 minutes and stops. Please note that our system has w...
by mur44
Wed Apr 08, 2015 3:49 pm
Forum: Personal Consumer Issues
Topic: Baseboard Hot Water Heating System Vibration
Replies: 9
Views: 703

Baseboard Hot Water Heating System Vibration

Our 23 year 'old' Weil McClain Hot Water Baseboard Heating system made huge (like a jack hammer) noise this morning. The unit is located in basement, but our room above it vibrated hard. It lasted about 15 minutes and then stopped. It is since then functioned without vibration/noise for 8 hours. Thi...
by mur44
Fri Mar 20, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Medicare -- [Creditable] Coverage
Replies: 8
Views: 866

Re: Medicare -- Credible Coverage

Three months before you wish to sign up for Medicare Part B, you can apply at a local SS office. You may not apply before 3 months. At this time, you have Special Enrollment Period that lasts 8 months after your (spouse's) employment ends. Disclosure: I am a Certified Volunteer Medicare Counselor fr...
by mur44
Fri Mar 20, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Have You Prepared A Durable Power Of Attorney?
Replies: 24
Views: 2112

Re: Have You Prepared A Durable Power Of Attorney?

When we called our Vanguard representative about
two months ago, we were told that Vanguard will honor
our POA from NJ.

Is there a written statement/document at vanguard.com
that states that Vanguard will not honor POA?
by mur44
Mon Mar 16, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Inpatient Part A
Replies: 6
Views: 954

Re: Medicare Inpatient Part A

(1) Yes, you are responsible for Part B deductible ($147) under Medigap Plan G. (2) Each midnight stay at a hospital is considered 1 day. In your case, you stayed at the hospital for 33.5 hours, but only 1 midnight. Therefore, you stayed in hospital for 1 day only. (3) Skilled Nursing Care is care g...
by mur44
Sat Mar 14, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Inpatient Part A
Replies: 6
Views: 954

Re: Medicare Inpatient Part A

Hospitals like 'outpatient' (Medicare Part B) patients as they make more money. In your case, since you stayed in the hospital for two days, your benefits are covered under Part B. If you were classified by your doctor as 'inpatient' and stayed 3 days, you would have been covered under Part A and el...
by mur44
Thu Mar 12, 2015 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare - already covered but turning 65 ?
Replies: 11
Views: 1239

Re: Medicare - already covered but turning 65 ?

When you turn 65, it is best to sign up for Medicare Part A even if you are covered with current employment (yours or your spouse). Part A is free if you or your spouse has 40 quarters of employment. Part A will be your secondary insurance. Your primary will remain your (or your spouse's) health ins...
by mur44
Wed Mar 04, 2015 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Poverty Level Medicaid Question
Replies: 12
Views: 1297

Re: Poverty Level Medicaid Question

As far as I know, there are no Dental Insurance plans that
work similar to Health plans. Dental discount plans are
very local.

Your county SHIP could help identify those discount plans.
by mur44
Wed Mar 04, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Poverty Level Medicaid Question
Replies: 12
Views: 1297

Re: Poverty Level Medicaid Question

You should contact an Elder Care Attorney specializing in Medicaid. Your county/local organization(s) may offer free legal assitance There are several 'loopholes' to use to alleviate your father's problem. Medicaid has several levels, your father's is probably QMB Plus level. You can visit SHIP (Sta...
by mur44
Fri Feb 20, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: Impact of New Cell Tower Installation on Home Prices
Replies: 5
Views: 639

Re: Impact of New Cell Tower Installation on Home Prices

Thank you all for the tips to work with.
by mur44
Fri Feb 20, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: Impact of New Cell Tower Installation on Home Prices
Replies: 5
Views: 639

Impact of New Cell Tower Installation on Home Prices

Late last year, our 'township' installed 120' tall Cell Tower right in front of my house. Some people stated that my home value decreased due to the new Cell Tower placement. I am considering Real Estate Tax appeal to the county. Does anyone have any documentation on home value decrease when a new c...
by mur44
Tue Feb 17, 2015 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Hospice vs Long Term Care
Replies: 13
Views: 1179

Re: Hospice vs Long Term Care

Long Term Care (LTC) insurance covers when the individual needs assistance with two (2) or more Activities of Daily Living (ADL's). Premiums paid into LTC coverage are similar to Home Owners insurance. Hospice coverage from Medicare is for beneficiaries with 6 months to live: they may not get treatm...
by mur44
Sun Feb 15, 2015 6:24 am
Forum: Personal Consumer Issues
Topic: Best Men's Winter Pants
Replies: 18
Views: 1871

Re: Best Men's Winter Pants

Thanks all of you who responded with great
suggestions.

I will now find good sales on the recommended
pants.
by mur44
Sat Feb 14, 2015 3:45 pm
Forum: Personal Consumer Issues
Topic: Best Men's Winter Pants
Replies: 18
Views: 1871

Best Men's Winter Pants

I live in New York City area and the cold weather here requires very good winter pants. In the past I purchased Dockers Corduroy pants (Not the classic 5 pocket) which I could wear to office. It appears that Dockers stopped selling premium corduroy pants. Wool pants are not economical primarily due ...
by mur44
Mon Feb 02, 2015 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 4156

Re: Selecting a Medigap Policy with 28 Choices

In my original post, I provided the link to finding medigap plans: http://medicare.gov/find-a-plan/results/medigapresults/medigap-view-policies-by-company.aspx Select 'Supplements & Other Insurance' tab and then select 'Find a Medigap policy' Using my zip code, I was able to find all the plans.
by mur44
Sun Feb 01, 2015 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Problem importing Vanguard into Turbotax
Replies: 13
Views: 1758

Re: Problem importing Vanguard into Turbotax

I downloaded my Vanguard data successfully yesterday.
By the by, I am using Turbotax Premier version.
by mur44
Sun Feb 01, 2015 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Which Medicare supplement insurance company?
Replies: 17
Views: 1647

Re: Which Medicare supplement insurance company?

Medigap plan 'F' is very popular. Staying with popular plan has the advantage of lower overall cost, all things being equal. If your health is good, consider Medigap Plan 'F' High Deductible, if available in your area. Since Medigap plans are standardized, taking the cheapest insurance company is ge...
by mur44
Thu Jan 29, 2015 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 4156

Re: Selecting a Medigap Policy with 28 Choices

The easiest, free and unbiased counseling can be obtained at SHIP (State Health Insurance Assistance Program) at your county level: https://shipnpr.shiptalk.org/findcounselor.aspx Also, Medicare.gov has prices for all insurance companies. I recommend choosing cheapest price as the Medigap plans are ...
by mur44
Wed Jan 28, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2707

Re: I just filed a Restrictive App at the SS office

Cody, thanks for the tidbits.

My question: Is it possible to file an
SS 'Restrictive Application' online?
or one has to go to SS office to get it done?
by mur44
Sat Jan 24, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 8501

Re: Winter Coat

I am looking for a down winter jacket. Some one
pointed that prices are discounted during the early
part of the year. I have not been able to find
good prices on Patagonia down jackets.

Is it safe to buy on ebay? I did not buy anything
ever on ebay?
by mur44
Wed Jan 21, 2015 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is my employer's 'retiree' practice common?
Replies: 16
Views: 2582

Re: Is my employer's 'retiree' practice common?

If pension is the only benefit that you will get
upon retirement, this is nothing to worry about.

If your health is good overall, you may want to
delay taking pension until age 65.

One of the most important issue is
to have health insurance until Medicare
(age 65) kicks in.
by mur44
Wed Jan 21, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 12297

Re: Medigap Plan G vs Plan F?

Medicaid has several 'levels' for qualification depending also on where (state) you live. [i]stampschick wrote: I, myself, have only SS of $1228.00 per month[/i] For full Medicaid status, your SS income is higher as per 100% Federal Poverty Level for a single person. You can contact your county Boar...
by mur44
Mon Jan 19, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 4094

Re: MediCare and ? What are your out of pocket costs please.

You should read Medicare & You book published by the government to understand how Medicare works. You can download from the following: http://medicare.gov/Publications/Search/SearchCriteria.asp?version=default&browser=Firefox|35|Windows+7&Language=English&pagelist=Home&comingFrom...
by mur44
Wed Jan 14, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: Water Softner for Single Faucet
Replies: 6
Views: 688

Water Softner for Single Faucet

Does anyone have any experience with
Water Softner for a single faucet?

Our water supply is very 'hard'
and I need a single facet water softener.

Any thoughts would be appreciated.
by mur44
Fri Jan 09, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 75
Views: 6660

Re: A Short Survey for Retirees

When my wife called our Vanguard representative last week, he told us that our Durable Power of Attorney would be accepted. By the by, we live in New Jersey (also, known as Garden State). We are confused as to what to do. In view of the above, do we still need to send (Vanguard's own) Power of Attor...
by mur44
Mon Dec 22, 2014 11:40 am
Forum: Personal Consumer Issues
Topic: Getting dual health insurance
Replies: 13
Views: 884

Re: Getting dual health insurance

If you have two insurance policies, 'Coordination of Benefits' rules apply. First read the Summaries of Benefits from both plans and then determine if you need both. If both insurance policies are premium free, you might keep both. Find out if 'Change in Status' event will enable you to cancel redun...
by mur44
Fri Dec 05, 2014 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning: Estimating Med-Insurance Costs
Replies: 12
Views: 1049

Re: Retirement Planning: Estimating Med-Insurance Costs

Assuming that Medicare will continue with current level of benefits, many studies show that one should plan to spend $10,000 per year per couple after Medicare. You should plan for higher inflation for Medical expenses. If your health is good, you may be able to allocate lower budget for health care...
by mur44
Wed Dec 03, 2014 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 36
Views: 2510

Re: Medicare signup

You may want to evaluate the following options: (1) Original Medicare (Parts A and B) with Part D (Prescription Drug coverage) (2) (1) + Medigap (3) Medicare Advantage with Prescription Drug coverage You need to use your Health and Wealth factors to decide what is best for your situation. Note that ...
by mur44
Wed Dec 03, 2014 11:37 am
Forum: Local Chapters and Bogleheads Community
Topic: THANK YOU!!! Bogleheads Conference #13 (2014)
Replies: 74
Views: 10451

Re: THANK YOU!!! Bogleheads Conference #13 (2014)

I am wondering if any other updates would
be coming in December?
by mur44
Tue Dec 02, 2014 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Spending changes in retirement? Vanguard CFP
Replies: 9
Views: 846

Re: Spending changes in retirement? Vanguard CFP

If you have good Retiree Health Insurance, you may exclude the last five (5) years. Medicare and Retiree Health Insurance would eliminate the need to plan higher expenses for the last 5 years. One needs to plan for Long Term Care (LTC), which is custodial care. Also, if one qualifies for Low Income ...
by mur44
Sun Nov 30, 2014 10:26 am
Forum: Investing - Theory, News & General
Topic: "Where to Invest in 2015"
Replies: 19
Views: 3097

Re: "Where to Invest in 2015"

Taylor, Thanks for the post.

I saw Taylor's home office during 2014 visit.
Taylor is simply amazing. He has a huge
home library. I believe that he has
photographic memory.

I wonder when medical technology would
develop so one can augment man made
(artifical) memory chip.
by mur44
Tue Nov 25, 2014 8:50 pm
Forum: Personal Consumer Issues
Topic: Question re Medicare bills?
Replies: 13
Views: 2398

Re: Question re Medicare bills?

It appears that your father is considered a Dual (both Medicare and Medicaid). In this situation, his primary is Medicare and secondary is Medicaid. Medicaid is supposed to cover the balance not necessarily all of it, as it is state specific. If your father's Medicaid is an HMO, find out from the in...
by mur44
Sun Nov 23, 2014 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Best book on Medicare?
Replies: 3
Views: 584

Re: Best book on Medicare?

Start with 'Medicare & You' and you can order from the following: http://medicare.gov/Publications/Search/SearchCriteria.asp?version=default&browser=Firefox|33|Windows+7&Language=English&pagelist=Home&comingFrom=13 After you read the above, it may be worth visiting your local SHI...
by mur44
Sat Nov 22, 2014 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Can One Rollover NJ State Pension Benefit Amount?
Replies: 4
Views: 402

Re: Can One Rollover NJ State Pension Benefit Amount?

Thanks mggray17 for enlightening me on the
issue.

I was reading Fact Sheet #27 available at MBOS system.
by mur44
Sat Nov 22, 2014 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Can One Rollover NJ State Pension Benefit Amount?
Replies: 4
Views: 402

Can One Rollover NJ State Pension Benefit Amount?

The fact sheet from New Jersey regarding State Pension benefit is very confusing. It describes how it may be rolled over to an IRA and on the very next page it states that it may not be done: First Page: You may want to postpone paying income taxes on such distributions from your pension plan by pla...
by mur44
Wed Nov 19, 2014 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Updated IRS Rollover Chart
Replies: 7
Views: 1288

Re: Updated IRS Rollover Chart

Alan,

Thanks a lot for the Rollover chart - it is a great one.

Your posts are extremely beneficial to all.

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