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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
Thu Apr 09, 2015 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Baseboard Hot Water Heating System Vibration
Replies: 9
Views: 600

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
Wed Apr 08, 2015 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Baseboard Hot Water Heating System Vibration
Replies: 9
Views: 600

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 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare -- [Creditable] Coverage
Replies: 8
Views: 830

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
Fri Mar 20, 2015 10:46 am
 
Forum: Personal Consumer Issues
Topic: Have You Prepared A Durable Power Of Attorney?
Replies: 24
Views: 1852

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
Mon Mar 16, 2015 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Inpatient Part A
Replies: 6
Views: 859

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
Sat Mar 14, 2015 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Inpatient Part A
Replies: 6
Views: 859

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
Thu Mar 12, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - already covered but turning 65 ?
Replies: 11
Views: 1131

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 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poverty Level Medicaid Question
Replies: 12
Views: 1221

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
Wed Mar 04, 2015 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poverty Level Medicaid Question
Replies: 12
Views: 1221

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 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Impact of New Cell Tower Installation on Home Prices
Replies: 5
Views: 619

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
Fri Feb 20, 2015 8:40 am
 
Forum: Personal Consumer Issues
Topic: Impact of New Cell Tower Installation on Home Prices
Replies: 5
Views: 619

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
Tue Feb 17, 2015 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hospice vs Long Term Care
Replies: 13
Views: 1106

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
Sun Feb 15, 2015 6:24 am
 
Forum: Personal Consumer Issues
Topic: Best Men's Winter Pants
Replies: 18
Views: 1676

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
Sat Feb 14, 2015 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Best Men's Winter Pants
Replies: 18
Views: 1676

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
Mon Feb 02, 2015 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 3872

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 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem importing Vanguard into Turbotax
Replies: 13
Views: 1652

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
Sun Feb 01, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Which Medicare supplement insurance company?
Replies: 17
Views: 1421

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
Thu Jan 29, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selecting a Medigap Policy with 28 Choices
Replies: 42
Views: 3872

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
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: 2603

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
Sat Jan 24, 2015 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 65
Views: 8178

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 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my employer's 'retiree' practice common?
Replies: 16
Views: 2535

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
Wed Jan 21, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10987

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
Mon Jan 19, 2015 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 24
Views: 2440

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
Wed Jan 14, 2015 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Water Softner for Single Faucet
Replies: 6
Views: 649

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
Fri Jan 09, 2015 3:04 pm
 
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 75
Views: 6497

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
Mon Dec 22, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Getting dual health insurance
Replies: 13
Views: 832

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
Fri Dec 05, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning: Estimating Med-Insurance Costs
Replies: 12
Views: 1003

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 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 36
Views: 2376

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

I am wondering if any other updates would
be coming in December?
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: 9757

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
Tue Dec 02, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending changes in retirement? Vanguard CFP
Replies: 9
Views: 813

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
Sun Nov 30, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: "Where to Invest in 2015"
Replies: 19
Views: 3007

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
Tue Nov 25, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Question re Medicare bills?
Replies: 13
Views: 1998

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
Sun Nov 23, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Best book on Medicare?
Replies: 3
Views: 535

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 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Can One Rollover NJ State Pension Benefit Amount?
Replies: 4
Views: 357

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
Sat Nov 22, 2014 8:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Can One Rollover NJ State Pension Benefit Amount?
Replies: 4
Views: 357

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.
by mur44
Wed Nov 19, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Updated IRS Rollover Chart
Replies: 7
Views: 1261

Re: Best Guide to Selecting the Proper Health Insurance Plan

Not that I know of. But use your health and wealth as the driving factors. Look at your health care costs and keep it simple. One needs Hospital, Outpatient and Drug coverages. If you are on Medicare, Medicare & You is an excellent start. Disclosure: I am a Certified Volunteer Medicare Counselor...
by mur44
Wed Nov 19, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Best Guide to Selecting the Proper Health Insurance Plan
Replies: 3
Views: 577

Re: Taylor Larimore, My Favorite Teacher

I concur with that assessment that Taylor Larimore is
my teacher.

My wife and I had the good fortune of meeting with Taylor
in August 2014 and having 'teacher, student conference'
in person in Miami.

Thank you Taylor.
by mur44
Sat Nov 15, 2014 6:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor Larimore, My Favorite Teacher
Replies: 13
Views: 2393

Re: 'Insects' Taking Over Underground Sprinkler Control Box

Thank you all for the responses.

When I removed dirt yesterday, I saw about 7, 8 earthworms
in the control area.

Is there a solution to get rid of earthworms?
by mur44
Thu Nov 13, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: 'Insects' Taking Over Underground Sprinkler Control Box
Replies: 11
Views: 968

'Insects' Taking Over Underground Sprinkler Control Box

Our house has underground sprinkler system with the control box installed underground. The underground area is now being taken over by some kind of insects that basically fill the entire area with dirt. It takes significant effort to remove the dirt and clean it. I tried styrofoam packing chips to f...
by mur44
Wed Nov 12, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: 'Insects' Taking Over Underground Sprinkler Control Box
Replies: 11
Views: 968

Re: Historical Medigap/Advantage Health Care % increases?

Medigap rate increases tend to be 'local'.
For example, NJ rates have been high for many
years and percent increases have been reasonable.

You may want to base your decision based on
current facts. As nobody has a crystal ball.
by mur44
Wed Nov 05, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Historical Medigap/Advantage Health Care % increases?
Replies: 3
Views: 453

Re: Most financially economical choice for a car

Honda Accord or Toyota Camry would be better
choice from safety point of view.

You can wait till September to buy 2014 model
when deeper discounts are offered.
by mur44
Tue Oct 28, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5125

Re: Best health insurance plan for a bad year (cancer)?

Option 2 appears to be better. OOP maximum limits are
helpful in this case.


Disclosure: I am a Certified Volunteer Medicare Counselor form NJ
by mur44
Sun Oct 26, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best health insurance plan for a bad year (cancer)?
Replies: 30
Views: 2737

Re: Part B Excess Charge

If your health is good and you use limited medical services, consider Medigap plan 'F' High Deductible. One of the Bogleheads did extensive (mathematical) analysis and concluded that expected out-of-pocket costs are lower with Medigap Plan 'F' High Deductible for healthy beneficiaries. As Excess Cha...
by mur44
Sat Oct 25, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part B Excess Charge
Replies: 8
Views: 992

Re: Elder Law attorney (Trusts, Medicaid, nursing homes)

One stated gross factual error is that Federal Poverty Level (FPL) at $800.00. FPL for 2014 is at $973: http://aspe.hhs.gov/poverty/14poverty.cfm In New Jersey, I understand that many 'good' nursing homes do not like to admit Medicaid beneficiaries as Medicaid payments are lower than 'private'. Disc...
by mur44
Sat Oct 25, 2014 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Elder Law attorney (Trusts, Medicaid, nursing homes)
Replies: 30
Views: 2256

Re: 2015 Medigap plan changes

Medigap insurers and plans are at state level. Your best bet is to contact your local SHIP (State Health Insurance assistance Program) counselor: https://shipnpr.shiptalk.org/findcounselor.aspx Some states such as NJ make the Medigap charts available online. Disclosure: I am a Certified Volunteer Me...
by mur44
Wed Oct 22, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015 Medigap plan changes
Replies: 13
Views: 1009

Re: Estimated SS COLA for 2015

Medicare Part B premium remains at $104.90 for
2015. However, Medicare Part D, Medicare Advantage
and Medigap premiums may increase locally. Private insurance
companies determine these 3 rates.
by mur44
Wed Oct 22, 2014 8:39 am
 
Forum: Investing - Theory, News & General
Topic: Estimated SS COLA for 2015
Replies: 17
Views: 2082

Re: DIY Winterizing Sprinkler / Irrigation System

Some 20 years ago I read an article that said there is NO need to blow the underground sprinkler system. Based on the above, every year I open the valve in the control box and the valve outside of the house. I have been doing this for the last 20 years. I never used professional service to handle th...
by mur44
Mon Oct 20, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: DIY Winterizing Sprinkler / Irrigation System
Replies: 17
Views: 1936

Re: [Confused with Medigap Options]

drawpoker, You should know how good your health is - Ask your doctor if you do not know. If you do not have any chronic conditions, your health is good. If you use minimal health care services, your health is good. Also, look back your ancestral family health history. Medicare beneficiaries have no ...
by mur44
Sun Oct 19, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 2085

Re: [Confused with Medigap Options]

If you expect your health to be good, consider Medigap Plan F High Deductible plan. Your responsibility would be the first $2,000. You can not go wrong by taking the cheapest Medigap plan. When Medicare pays, Medigap plan has to pay with no questions asked. You may contact your county State Health I...
by mur44
Fri Oct 17, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Confused with Medigap Options]
Replies: 39
Views: 2085
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