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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: 3143

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: 11
Views: 992

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: 4229

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: 1053

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: 1059

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: 3596

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: 9483

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: 864

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: 1043

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: 1043

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: 1043

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: 470

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: 325

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: 716

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: 40
Views: 13288

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: 1741

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: 17205

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: 1402

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: 489

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: 489

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: 657

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: 6362

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: 1836

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: 827

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: 1129

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: 2261

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: 1511

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: 1511

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: 542

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: 991

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: 950

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: 2626

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: 3556

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: 3556

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: 2140

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: 6701

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: 4814

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: 466

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: 209

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: 1201

List of Telemarketing Phone Numbers

I am annoyed enough with telemarketing company phone calls (Robocalls) that I replaced my telephone with Call Blocking capability. It definitely helped reduce the number of telemarketing calls. I am wondering if there is a (readily available) list of telemarketing telephone numbers that I can block....
by mur44
Sat Mar 15, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: List of Telemarketing Phone Numbers
Replies: 14
Views: 1024

Re: Does Medicare cover annual physical exam?

Physical Exam consists of the following: History: Allergies, Medications Vitals: T, HR, BP, RR Head, Eye, ENT Respiratory CV Abdominal: Digestive, Urinary Extremities/Joint Lab/imaging Physical Exam is NOT covered by Medicare. Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Sun Mar 02, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Medicare cover annual physical exam?
Replies: 20
Views: 1310

Re: The Great 100 thousand dollar pension question.

You need to research if LA allows for reneging pensions
already accrued in case of 'bankruptcy' type of situation.

State of New Jersey cut pensions and health benefits to
employees in 2011. COLA was eliminated for all including
retirees.
by mur44
Sun Mar 02, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Great 100 thousand dollar pension question.
Replies: 71
Views: 8591

Re: Risk of New Jersey Govt. Employee Benefit Cuts

Thanks all of you who responded with extremely
useful information.

[OT comments removed by admin LadyGeek]
by mur44
Fri Feb 28, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk of New Jersey Govt. Employee Benefit Cuts
Replies: 9
Views: 935

Risk of New Jersey Govt. Employee Benefit Cuts

New Jersey governor Christie has already cut government employee benefits (pension and health benefits) in 2011. Christie's budget proposal calls for employee benefit cuts for next fiscal year. Today's New York Times reported that Governor Christie's goal is to cut more employee benefits; he would w...
by mur44
Thu Feb 27, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk of New Jersey Govt. Employee Benefit Cuts
Replies: 9
Views: 935

Re: Income spike causes permanent Medicare premium increase?

If one has Creditable Retiree/Union Drug coverage, there is NO need to purchase Part D. If Retiree/Union Drug coverage is terminated, you will incur no penalties as long as Part D coverage is obtained within 60 days of the plan termination. Disclosure: I am a Certified Volunteer Medicare Counselor f...
by mur44
Mon Feb 17, 2014 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Income spike causes permanent Medicare premium increase?
Replies: 7
Views: 628

Re: Trouble with recurring transfers into Vanguard Roth IRA

I tried to setup ONLINE recurring (Monthly) transfer of funds from Vanguard Short-Term Investment-Grade Adm (VFSUX) to Vanguard Total Bond Market Index Adm (VBTLX) in my ROTH IRA account. I have funds in the second (receiving) fund. The system does not give 'recurring' option. I could not do the rec...
by mur44
Sat Feb 08, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trouble with recurring transfers into Vanguard Roth IRA
Replies: 8
Views: 1809

Re: AARP Medicare Supplement Ins (United Healthcare

Lucky, if you were to enroll into Medicare Parts 'B' ($104.90 each for a total of $209.80) and Medicare Part 'D' (premium varies), who will reimburse you for these premiums? If you have to pay the above monthly premiums for you and your wife, it is definitely cheaper to go with your company 'cadilac...
by mur44
Mon Feb 03, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medicare Supplement Ins (United Healthcare
Replies: 34
Views: 3402

Re: Medicare Supplemental Insurance Cost

Medigap plan premiums vary substantially from
state to state.

Popular Medigap Plans are 'C' and 'F'. High
Deductible (HD) plan 'F' is offered in some states
at a discounted premium.

Medicare Advantage is NOT a supplemental
plan.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Sun Feb 02, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance Cost
Replies: 19
Views: 1151

Re: AARP Medicare Supplement Ins (United Healthcare

If your current employer has more than 20 employees, your employer health insurance is Primary. Since you stated that your employer health insurance is 'cadillac' variety, if the 'bump up' cost is modest, employer health insurance is all you may need. Medicare will be 'Secondary' for employees worki...
by mur44
Sat Feb 01, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medicare Supplement Ins (United Healthcare
Replies: 34
Views: 3402
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