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Re: Strange Billing Practice by Medical Provider

aude, Could you please tell us more details: (1) Is your relative on Medicare? If yes, is he/she on Medicare Advantage with PPO? (2) if your relative is on non-Medicare health insurance plan, what is the name of the insurance company and plan name? More details would give better answers. Disclosure:...
by mur44
Tue Sep 16, 2014 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 35
Views: 2254

Want to leave a Roth IRA to your kids? Beware of taxes

The following MarketWatch article gives
heads up for potential risks to the 'tax free'
distributions to Roth funds:

http://www.marketwatch.com/story/want-t ... 2014-09-09

Should one not plan to convert TIRA to Roth in view of
the potential risks?
by mur44
Tue Sep 09, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Want to leave a Roth IRA to your kids? Beware of taxes
Replies: 2
Views: 672

OptimumWifi

Are there Bogleheads using OptimumWifi service
from Optimum cable service?

What are your experiences using the above
service.

We will be traveling to Florida and wondering
if OptimumWifi would work there?
by mur44
Tue Aug 12, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: OptimumWifi
Replies: 1
Views: 472

Re: MAGI for Medicare Rates

It is not called penalty. It is called surtax.

If you have a very high income, you will likely pay a higher amount
for your Part B premium and Part D premium.
This is called an Income-Related Monthly Adjustment Amount (IRMAA).
by mur44
Sun Aug 10, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: MAGI for Medicare Rates
Replies: 36
Views: 1847

Re: Telephone Calls! Help! [Telemarketing phone calls]

I purchased a new Panasonic DECT phone that can block 250
telephone numbers. Previous Panasonic phone did
not have the blocking capability.

It is worth it as the previous one did not have the
blocking capability.
by mur44
Sat Aug 09, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7148

Re: India’s Rajan sounds alarm on asset bubbles

He has great track record.

Greenspan should have paid attention to what
Rajan said before the Great Recession.

Larry Summers simply ignored his warnings.

He knows his stuff.
by mur44
Thu Aug 07, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: India’s Rajan sounds alarm on asset bubbles
Replies: 5
Views: 1087

Re: Medigap-AARP United Healthcare or Horizon BCBS?

Buy the cheapest Medigap plan.

Once Medicare pays, Medigap plan has to pay without
your doing anything.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Wed Aug 06, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap-AARP United Healthcare or Horizon BCBS?
Replies: 5
Views: 442

Re: Is Medigap insurance really needed?

nisiprius,

If one have Medicare Parts A, B and D (no medigap),
there is NO OOP (Out Of Pocket) limit. This
Medicare insurance (A, B and D) setup is for
'healthy' (yours and your family) individuals.

But, there are several 'tricks' one can use to
minimize OOP expenses.
by mur44
Mon Aug 04, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4336

Re: Is Medigap insurance really needed?

betterdays, If your retiree health insurance is terminated by your employer, you have a 'guarantee issue' situation, you can purchase a medigap plan. Plan 'F' is one of the two popular plans. You may want to visit your local State Health Insurance assistance Program (SHIP) counselor for free, unbias...
by mur44
Sun Aug 03, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4336

Re: Is Medigap insurance really needed?

If your wife's health is good, you can take one of the following two (2) options: (1) Take a Medicare Advantage plan with Prescription Drug coverage until she is eligible for the retiree health insurance. Make sure your service providers accept the plan. (2) Buy Medigap Plan 'F' High Deductible, whi...
by mur44
Sun Aug 03, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4336

Re: Does severance pay reduce or relace unemployment benefit

In New Jersey and New York states, severance pay
does NOT affect your right to collect Unemployment
benefits.

You are no longer employed and therefore you
are entitled to collect UI benefits.


Disclosure: I am a resident of NJ
by mur44
Sun Jul 27, 2014 8:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 52
Views: 3362

Re: Withdrawl from Target Retirement or Life Strategy Fund

Vanguard has tailored such a fund for retirees.
It is Target Retirement Income (VTINX).

VTINX is intended for retirees withdrawing funds
periodically.
by mur44
Wed Jul 16, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Withdrawl from Target Retirement or Life Strategy Fund
Replies: 47
Views: 3652

Re: Hospital bill negotiation

If the amount you owe is large then consider hiring a Paid
Professional Claims Assistance Organization.
by mur44
Tue Jul 15, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4344

Re: Insurance premiums for renewals versus current

You can contact your State Department of Banking and Insurance
(DOBI) to obtain a list of typical premiums charged by various
insurance companies.

In NJ, DOBI provides such a list which you can use to compare.
by mur44
Mon Jul 14, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance premiums for renewals versus current
Replies: 11
Views: 1093

Is There Need for Plan 'C' (Inverse of Plan B)?

During the dark days of 2009 crisis, Jack Bogle advocated the concept of Plan 'B'. Taylor Larimore posted on Plan 'B' details at that time. Now we have come a long way from Plan 'B' discussion. Is there such a thing as Plan 'C' when equities go in to 'bubble' territory? An example of 'bubble' is S&a...
by mur44
Sun Jul 13, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Is There Need for Plan 'C' (Inverse of Plan B)?
Replies: 12
Views: 1240

Re: Damodaran--Bubbles and Mkt Timing

Is Prof. Damodaran's advice applicable to retirees as well? Retirees have limited time to recover. Dr. William Bernstein keeps telling us that expected returns for the next 10 years would be low. If S&P goes up 30% in 2014 that could mean expected returns for the next 10 years would be lower sti...
by mur44
Sun Jul 06, 2014 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bubble, Bubble, Toil and Trouble
Replies: 24
Views: 3643

Re: Retirement age for software engineers

Happily retired at 55. One needs to plan for retirement in terms of retirement funds, health insurance between retirement and age 65 (Medicare coverage starts at 65) and activities to spend time. Even with Medicare, the ideal situation is to get Employer Group Health Insurance to fill gaps (Deductib...
by mur44
Sat Jul 05, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9901

Re: "What Makes Today Special?"

Thanks Taylor for the amazing history.
Recently, our family visited Manchester, Vermont where
the statue of Thomas Jefferson with a few of
his ideals about personal freedom was at the center of the
city square.
by mur44
Fri Jul 04, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: "What Makes Today Special?"
Replies: 4
Views: 883

Re: 3.5% Yield for 457(k) Fixed Guaranteed

acegolfer, Please open the following link and last line says 'View the Fund Fact Sheet': https://myplan.ingplans.com/einfo/fundinfo.aspx?cl=GOVCR1&pl=711001PU&page=investment_informationfundinformationnationwidefixed&s=acha43jwz54bjf2apwu10piv&d=4ac2cdf01b618b1d7c06b25da16404d6f695da34
by mur44
Mon Jun 30, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1055

Re: 3.5% Yield for 457(k) Fixed Guaranteed

Thanks all of you for your valuable input.

The 457(k) is (NJ) local government based and
managed by Nationwide Retirement Solutions.
The Fixed is an annuity.
by mur44
Mon Jun 30, 2014 8:34 am
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1055

3.5% Yield for 457(k) Fixed Guaranteed

Current 457(k) Fixed is yielding 3.5% guaranteed.
It is increasing difficult to find any thing close to it.
It is tempting to consider leaving funds in the employer plan
upon retirement.

Is it OK to leave the 457(k) funds in the employer
plan upon retirement?
by mur44
Sun Jun 29, 2014 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: 3.5% Yield for 457(k) Fixed Guaranteed
Replies: 17
Views: 1055

Re: Medicare question

Since you are receiving SS benefits, your Medicare Parts A and B enrollment is automatic. You will receive Medicare cards 3 months before your 65th birthday. If you are still working at age 65 and your employer has more than 20 employees, your primary insurance is your employer insurance and Medicar...
by mur44
Sun Jun 29, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Medicare question
Replies: 3
Views: 482

Re: Medical Billing Patient Adovcate Question

If you are on Medicare, there are several options including your county SHIP (State Health Insurance Assistance Program): https://shipnpr.shiptalk.org/findcounselor.aspx If you wish to use a paid consultant: http://claims.org/refer.php Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Thu Jun 19, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Medical Billing Patient Adovcate Question
Replies: 5
Views: 329

How to Charge a Smartphone in Car

Is a cigarette lighter USB adapter adequate to
charge Samsung smartphone?

Are these universal in nature that one can
buy any cigarette lighter USB adapter and
use it to charge any smartphone?
by mur44
Tue Jun 17, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: How to Charge a Smartphone in Car
Replies: 12
Views: 731

Re: Why I choose "The Majesty of Simplicity" for my signatur

Taylor,

Thanks for the Gems on Simplicity.
I am migrating in that direction.
by mur44
Mon Jun 16, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why I choose "The Majesty of Simplicity" for my signature
Replies: 42
Views: 15004

Re: Frustration with medical providers

People with Medicare experience frustration with billing, coverage, deductibles, co-pays and co-insurance. Hospitals are notorious for billing and charges. It is very typical for huge variation in charges for the same treatment, procedure, medicine, service or durable medical equipment. Most of the ...
by mur44
Fri Jun 13, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Frustration with medical providers
Replies: 24
Views: 1759

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

In February 2013, Larry Swedroe posted an article on the same subject: What low interest rates mean for stocks Larry Swedroe Feb 2013 The "Triumph of the Optimists" authors Elroy Dimson, Paul Marsh and Mike Staunton, looked at whether today's low level of real interest rates tells us anyth...
by mur44
Wed Jun 11, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17628

Re: Medicare Advantage to Medigap

You can apply for a Medigap plan anytime in the future. Most insurance companies use Medical Underwriting when no Guarantee Issue is involved. However, a few insurance companies do NOT use Medical Underwriting. In New Jersey, Horizon BCBS does not use Medical Underwriting. Many people in NJ obtain M...
by mur44
Mon Jun 09, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage to Medigap
Replies: 14
Views: 1455

Re: Public Transportation in Miami, FL for visitors

Thank you all for your great ideas. Miami has very cheap car rentals. Parking in the area seems be cheap as well. I am from New Jersey (suburb of New York City). Taylor, thanks a lot for your offer for sailing. I will send you PM shortly. In fact I wanted to meet you in person. It was 7 years ago in...
by mur44
Mon Jun 09, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: Public Transportation in Miami, FL for visitors
Replies: 6
Views: 506

Public Transportation in Miami, FL for visitors

DW and I will be staying in Miami, FL for 4 days prior to taking a cruise to West Caribbean. We want to stay at a motel/hotel near the MIA Airport and take public transport (buses, local trains) to various places, including Miami beach, day tour bus and other attractions. Is this feasible? Or rentin...
by mur44
Sun Jun 08, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Public Transportation in Miami, FL for visitors
Replies: 6
Views: 506

Re: cost indoor sliding door

The only way to know if the cost is high is to get a few more quotes. Did you find out the cost of the door itself? Everything in NJ is expensive. One of the ways to get quotes is to put a free ad. in Craigslist. You would be surprised at how many vendors respond. Disclosure: I live in Bergen county...
by mur44
Sun May 25, 2014 12:52 pm
 
Forum: Personal Consumer Issues
Topic: cost indoor sliding door
Replies: 11
Views: 673

Re: Husband just lost job

Things will always get better with time.
Have lots of patience.

Nothing is gained by worrying.
by mur44
Sat May 24, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband just lost job
Replies: 60
Views: 6629

Re: HSA vs. PPO with a pregnant wife

PPO is preferrable for at least one more year.

You need to reevaluate every year to see
which would be beneficial for the upcoming
year.

Congratulations and good luck.

Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Sat May 24, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA vs. PPO with a pregnant wife
Replies: 28
Views: 2106

Re: [Problem obtaining online] Free Credit Report

I had similar problems, but I got one of three and I
did not bother to obtain the other two.

It appears to me that they want to make to harder
to get the report.

I live in New Jersey.
by mur44
Sat May 24, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Problem obtaining online] Free Credit Report
Replies: 13
Views: 971

Re: Long term care and Medicare premiums

One should keep Medicare Parts A, B as well as Supplement (if any) and Prescription Drug plan (Part D) life long. If the person becomes eligible for Medicaid, Medicaid will pay the premiums for Part B and Part D. Long Term Care provides custodial care. Disclosure: I am a Certified Volunteer Medicare...
by mur44
Thu May 22, 2014 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care and Medicare premiums
Replies: 12
Views: 1153

Re: funding retirement in one page

Unable to open the one page with the following error message: (Any tips will be appreciated) Google Drive encountered an error. If reloading the page doesn't help, please report the error. To learn more about Google Drive, please visit our help center. We're sorry for the inconvenience. Thanks for y...
by mur44
Tue May 20, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: funding retirement in one page
Replies: 9
Views: 2290

Re: 5-Year 3.05% APR Annuity - Worth Exploring?

Thank you all for the responses - very educational.
Now it is easy for me to make the decision
not to pursue this avenue.
by mur44
Mon May 19, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: 5-Year 3.05% APR Annuity - Worth Exploring?
Replies: 18
Views: 1549

5-Year 3.05% APR Annuity - Worth Exploring?

Our local (New Jersey Bergen county) newspaper had an advertisement offering 5-year 3.05% APR annuity. The rate looked attractive and when I called, the representative said it is an 'A' rated. He said I need to come to their office to find out the name of the insurance company. Is there any process ...
by mur44
Thu May 15, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: 5-Year 3.05% APR Annuity - Worth Exploring?
Replies: 18
Views: 1549

Re: does anyone use bank Bill Pay for Medicare premiums?

OK to use Bill Pay to pay Medicare Part B premium.

Once you start receiving SS benefits, Medicare Part B
premium is deducted from SS benefit amount.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Fri May 09, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: does anyone use bank Bill Pay for Medicare premiums?
Replies: 8
Views: 565

Re: Considering not continuing with LTC Insurance

You should use two (2) important factors when considering LTC need: Health and Wealth Rule of Thumb: Try to estimate how long you would need ADL (Activities of Daily Living) and nursing home care. If your finances can accommodate these future expenses, then you can self insure and do not need LTC in...
by mur44
Sun May 04, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering not contuning with LTC Insurance
Replies: 10
Views: 1012

Re: Best Hospice Care Support Forum

It appears that you are looking for Medicaid paid Hospice care in a Nursing Home. As you know, Medicaid is for the Needy. You may contact your local SHIP (State Health Insurance Assistance Program) counselor for free and unbiased information: https://shipnpr.shiptalk.org/findcounselor.aspx Disclosur...
by mur44
Sat May 03, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Best Hospice Care Support Forum
Replies: 13
Views: 992

Re: Moving Dad to nursing home this week

Some states have Partnership for Long Term Care (LTC) program that lets nursing home resident to retain assets if medical expenses exceed income. Utilizing the services of an Elder Care Attorney is your best bet. You can contact your county SHIP (State Health Insurance Assistance Program) counselor ...
by mur44
Mon Apr 28, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Moving Dad to nursing home this week
Replies: 11
Views: 2634

Re: Accommodation for Road Trip on I-95

Thanks everybody who responded -
Very useful for our road trip.
by mur44
Mon Apr 28, 2014 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Accommodation for Road Trip on I-95
Replies: 26
Views: 3582

Accommodation for Road Trip on I-95

We are planning a road trip from New York to Florida.
We plan on taking 3 days to travel each way.

Are there good sources for finding good overnight
accommodation along the way?

Also, are there any gems to see along this
corridor?
by mur44
Mon Apr 28, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Accommodation for Road Trip on I-95
Replies: 26
Views: 3582

Re: Vehicle for family of 3 + occasional guests

I own a CRV and I like the small SUV. It is comfortable
for 5 passengers.

If you can afford and wish to keep it for a long time, go
for a new car.
by mur44
Fri Apr 25, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle for family of 3 + occasional guests
Replies: 10
Views: 2155

Re: Annuities

Countryboy,

Taylor Larimore recommended buying Immediate Annuities later
stages in life buying over a number of years from different
insurance companies, preferably when interest rates are high.
by mur44
Thu Apr 10, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 7516

Re: Expensive med. test not covered by insurance

This is a situation that warrants your negotiating with
the service provider directly.

Tell them that you can NOT afford.

There are medical bill negotiators that you can
search online to help you with negotiation.
by mur44
Wed Apr 09, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 5019

Re: Medicare - wanting basic info, choices, checklist

You can visit your county SHIP (State Health Insurance Assistance Program) office for free, unbiased information on Medicare. Usually, you can obtain simple to understand handouts from SHIP: https://shipnpr.shiptalk.org/shipprofile.aspx 'Medicare & You' publication is a good start. Disclosure: I...
by mur44
Tue Apr 08, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - wanting basic info, choices, checklist
Replies: 7
Views: 476

Re: Best Medicare F Plan in Florida

Once Medicare pays, your Medigap has to pay. Since all the Medigap plans are standardized, benefits are the same. Customer support could vary. In NJ, AARP rate includes 30% discount and every year, the discount is reduced 3% points; thus discount is eliminated over 10 years. There are three types of...
by mur44
Mon Apr 07, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Medicare F Plan in Florida
Replies: 3
Views: 212

Re: Morningstar Discussion On Roth Conversions

Alan S., Thanks for the valuable tidbits from you on the subject. My wife is retiring in a few months from COUNTY government job in NJ where she contributed to 457 Roth. She is thinking of keeping the 457 Roth funds at the employer (trustee is Nationwide Retirement Solutions) after retirement simply...
by mur44
Mon Mar 24, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Discussion On Roth Conversions
Replies: 11
Views: 1217
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