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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: 3932

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: 3890

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: 361

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: 174

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: 1142

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: 917

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: 1024

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: 65
Views: 6162

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: 831

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: 831

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: 572

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: 1705

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: 2183

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: 977

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: 2183

Re: Turbo Tax Coupon and Deals

Vanguard Flagship customers are entitled to free
Turbotax Deluxe version. My understanding is that the Deluxe
version will NOT file Schedule D -

If one needs Schedule 'D', Turbotax Premier costs $9.99.
by mur44
Sat Jan 18, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Coupon and Deals
Replies: 11
Views: 775

Re: Medicare classifications

teacher,
Did your mother need specific service that can only be
provided by nursing home.
Current Medicare rule requires an 'inpatient' stay of 3 days
excluding the date of discharge to be eligible for qualified
Skilled Nursing Facility benefit.
by mur44
Thu Jan 16, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Medicare classifications
Replies: 2
Views: 411

Re: Medicare 20% cost sharing

If one is on Original Medicare, deductibles are beneficiaries' responsibility. However, Medicaid works like supplemental and thus the dual (both Medicare and Medicaid) is NOT responsible for any payments. The above applies to both hospital and doctor charges. Disclosure: I am a Certified Volunteer M...
by mur44
Mon Dec 30, 2013 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare 20% cost sharing
Replies: 4
Views: 533

Re: Which turbotax

When I tried to download Turbotax Deluxe, it said State
return is NOT included and costs extra (It did not give cost though).
It was free previous years.

Does anyone know what the extra cost is for one
state return?
by mur44
Sun Dec 29, 2013 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which turbotax
Replies: 24
Views: 1816

Re: Medicare info sources?

The best source for all your questions is a SHIP Volunteer
counselor:

https://shipnpr.shiptalk.org/findcounselor.aspx

The counselor can provide unbiased and free
recommendations for your situation.


Disclosure: I am a Certified Volunteer Medicare (SHIP) Counselor from NJ
by mur44
Sun Dec 22, 2013 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare info sources?
Replies: 18
Views: 848

Re: ***457(B) Government Plan to Roth IRA conversion, How?**

I am in a similar situation, planning to retire in 2014. My 457b consists of 457b regular and 457b ROTH. The 457b administrator is NRS (Nationwide Retirement Solutions). My questions: 1. Can I leave the 457b ROTH funds at the current 457b administrator (NRS) where it is earning 3.5%? 2. What are the...
by mur44
Sun Dec 22, 2013 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: ***457(B) Government Plan to Roth IRA conversion, How?***
Replies: 3
Views: 385

Re: Medicaid Waiver

If your son's doctors and other providers accept
Medicaid and he does NOT need other services
(not covered by Medicaid), then there is NO
need for private insurance.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Sat Dec 21, 2013 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid Waiver
Replies: 12
Views: 1028

Re: Recommendations for Pension Option?

Thank you all for the useful input.
by mur44
Wed Dec 18, 2013 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Pension Option?
Replies: 5
Views: 524

Recommendations for Pension Option?

DW will retire with County Government Pension. Option B looks OK. But, we are having hard time understanding Options 1, 2, 3 and 4 as described below: (Any recommendations would be appreciated) PENSION PAYMENT OPTIONS Maximum Option - No Pension Benefit to a Beneficiary The Maximum Option, also call...
by mur44
Tue Dec 17, 2013 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommendations for Pension Option?
Replies: 5
Views: 524

Re: Opting out of Medicare

One is allowed to suspend Medicare. Beneficiaries suspend Medicare when they relocate to another country for an extended period (more than 5 years). Penalties kick in when you re-enroll into Medicare. Part B has 10% per year penalty and Part D has 1% per month of the duration of non-enrollment. Disc...
by mur44
Fri Dec 13, 2013 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opting out of Medicare
Replies: 15
Views: 1258

Re: Best new car-under $30K

Honda Accord EX - Well under your 30k (Out-Of-Door price).
by mur44
Tue Dec 10, 2013 8:51 pm
 
Forum: Personal Consumer Issues
Topic: Best new car-under $30K
Replies: 44
Views: 4015

Re: Medicare Enrollment

AAA, At age 65, you do NOT need to do anything if you decide NOT to enroll in Medicare. There is NO need to contact Medicare/Social Security. While you (or your spouse) is employed, Medicare is secondary to your Employer Group Health Insurance provided your employer has more than 20 employees. Discl...
by mur44
Tue Dec 10, 2013 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 864

Re: Medicare Enrollment

While you are employed and have Employee Health Insurance from your employer, you do NOT need to enroll in Medicare provided your employer has more than 20 employees. When you retire, you will have Special Enrollment Period (SEP) of 8 months to enroll in Medicare without incurring any penalty for la...
by mur44
Fri Dec 06, 2013 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 864

Re: Estimating Medicare and Medigap costs

Healthcare expenses (including premiums) vary a lot
from region to region, state to state.

Health care inflation is much higher that CPI.
by mur44
Sat Nov 30, 2013 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimating Medicare and Medigap costs
Replies: 5
Views: 322

Re: Medigap F [versus Medigap] N

If your health is good and expect to need minimal medical services, you may want to look at Medigap plan 'F' High Deductible plan (Annual deductible of $2,000). Premiums are low and coverage is same as 'F' except for the high deductible. Disclosure: I am a Certified Volunteer Medicare Counselor from...
by mur44
Wed Nov 27, 2013 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap F [versus Medigap] N
Replies: 15
Views: 692

Re: With Government Pension, Retire ASAP?

Thanks all of you for your responses, which helped us to write down benefits and risks of retiring in 12 months versus 5 months. Retiring in 12 months: Benefit: Able to contribute to Roth 457 for one more year. Risk: Currently eligible for 'Terminal Sick Pay' upon retirement. The Legislature & G...
by mur44
Wed Nov 27, 2013 5:51 am
 
Forum: Personal Finance (Not Investing)
Topic: With Government Pension, Retire ASAP?
Replies: 5
Views: 1063

Re: Medigap F v N

One should use Wealth and Health factors to decide which Medigap plan to choose. Free, unbiased counseling can be obtained from your SHIP (State Health Insurance Assistance Program) counselor: https://shipnpr.shiptalk.org/shipprofile.aspx?AspxAutoDetectCookieSupport=1 I recommend you please visit yo...
by mur44
Tue Nov 26, 2013 8:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap F [versus Medigap] N
Replies: 15
Views: 692

With Government Pension, Retire ASAP?

Today's article at CNBC.COM gives tidbits on Pensions: http://www.cnbc.com/id/101225609/page/1 "If you're close to retirement age, you could take advantage of early retirement" My DW will shortly be eligible to retire from County Government with New Jersey state pension (part of her own co...
by mur44
Tue Nov 26, 2013 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: With Government Pension, Retire ASAP?
Replies: 5
Views: 1063

Anyone Using MySavingsDirect.com

https://www.mysavingsdirect.com/MySavin ... /index.jsp

is giving 1% rate on money market account. Anyone with
an accounts there? If so, can you share your experiences?
by mur44
Mon Nov 25, 2013 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Using MySavingsDirect.com
Replies: 1
Views: 381

Re: Medicare - lab test and signing an ABN

There is a simple and easy way to find out if your test or service
is covered by entering the test/service name in Medicare.gov
web site:
Is my test, item, or
service covered?

ABN is not issued routinely.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Sun Nov 24, 2013 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - lab test and signing an ABN
Replies: 22
Views: 1387

Any Air Bed Recommendations?

Anyone has experience with Air Bed (Mattress)?

We want to buy a good quality queen size air bed for guest use.
Any recommended brands?
by mur44
Thu Nov 21, 2013 9:02 pm
 
Forum: Personal Consumer Issues
Topic: Any Air Bed Recommendations?
Replies: 8
Views: 453

Optimal Social Security Benefit Claiming Strategy For Wife

I am 69 and retired. I started my own Social Security benefit at Full Retirement Age (66). I had higher earnings. My wife will retire next year, in 2014 with local government pension. Our current plan is for her to begin Spousal Social Security benefits in 2015 at her FRA and then claim benefits bas...
by mur44
Sun Nov 17, 2013 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Optimal Social Security Benefit Claiming Strategy For Wife
Replies: 2
Views: 472

Re: so, my county has ONE Medicare Advantage plan

It appears that you are CURRENTLY working and have employment based coverage (you or your spouse). If it is the case, you do NOT need to enroll in Medicare Part B now and you do NOT need Medigap plan and Part D (Drug) plan as long as you (or spouse) are working. Once, you retire, you will have speci...
by mur44
Sun Nov 17, 2013 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: so, my county has ONE Medicare Advantage plan
Replies: 15
Views: 1016

Re: The New Consumer Reports Issue on Cars

Countryboy,

I am in the market to buy a Honda Accord or Toyota Camry.

The Car Connection did NOT give tidbits on which dealers offer
the best price NYC area.

Any tidbits?

Thanks

Mur44
by mur44
Sat Nov 16, 2013 2:14 pm
 
Forum: Personal Consumer Issues
Topic: The New Consumer Reports Issue on Cars
Replies: 26
Views: 4948

Re: 2013/2014 Honda accord - any better values?

I am interested in buying a Honda Accord EX in Northern New Jersey area.

Which dealer offers the BEST price. If you bought one recently,
what is the 'Out of The Lot' price?
by mur44
Fri Nov 15, 2013 11:58 am
 
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 10950

Re: Gilroy Hain

When I started working I was told that Social Security is NOT an entitlement.
Social Security benefit is pension based on your contribution.

Disclosure: I am a SS beneficiary
by mur44
Thu Oct 31, 2013 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gilroy Hain
Replies: 27
Views: 1402

Re: Decision time on Medicare Part D

If your prescription drug needs are minimal, you can save money by enrolling into one of the cheapest Medicare Part D plans. If in doubt, you can get unbiased advice by contacting your county SHIP (State Health Insurance Assistance Program): https://shipnpr.shiptalk.org/findcounselor.aspx Disclosure...
by mur44
Tue Oct 29, 2013 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decision time on Medicare Part D
Replies: 15
Views: 883

Re: Drug Price Ripoffs from Medicare Drug Plan

To minimize your Total Annual drug cost under Medicare Part D, enter your drugs and dosage information into MEDICARE.GOV. The system enables you to select the best three (3) plans to compare for you. Then, browse the details of the 3 plans to ensure that there are no restrictions such as Prior Autho...
by mur44
Mon Oct 28, 2013 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Drug Price Ripoffs from [AARP/United] Medicare Drug Plan
Replies: 34
Views: 4452

Re: Supplementing Medicare

Each county in USA offers Medicare Counseling service for free and is unbiased. One must use health and wealth factors to decide optimal insurance. Telephone and In-person assistance is available to all Medicare beneficiaries: https://shipnpr.shiptalk.org/shipprofile.aspx Disclosure: I am a Certifie...
by mur44
Mon Oct 28, 2013 7:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Supplementing Medicare
Replies: 15
Views: 660

Re: Picking an insurance co for Medigap policies

mbres60 wrote on Sat Oct 19, 2013 5:13 pm mur44- I think in some threads that I searched you mentioned that to find an insurance broker you should contact your local hospital. Who do you ask for at the hospital? I never recommend using an insurance broker to purchase a Medigap policy. Your county SH...
by mur44
Sun Oct 20, 2013 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Picking an insurance co for Medigap policies
Replies: 34
Views: 1794

Re: Picking an insurance co for Medigap policies

Your Medigap plan has to pay once Medicare pays without your intervention. As long as you pay the Medigap premiums, your need to contact the Medigap insurance company is minimal. Other things being equal, I recommend buying the cheapest plan irrespective of company. Historically, very few insurance ...
by mur44
Sat Oct 19, 2013 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Picking an insurance co for Medigap policies
Replies: 34
Views: 1794

Search Bogleheads.org - Any Tidbits?

When I use the 'Search' feature in the forum, I do NOT
get 'access' to recent posts.

Is there a trick(s) to including ALL posts while doing SEARCH?
by mur44
Fri Oct 18, 2013 4:13 pm
 
Forum: Forum Issues and Administration
Topic: Search Bogleheads.org - Any Tidbits?
Replies: 4
Views: 607

Tax-free strategies for high-tax states

Following article from Marketwatch: (Any comments on these strategies? I live in NJ and we have onerous estate taxes) Tax-free strategies for high-tax states October 4, 2013, 1:54 PM By Matthew Heimer As an estate-planning tactic, which sounds more appealing: Moving to South Dakota, or paying somebo...
by mur44
Fri Oct 11, 2013 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax-free strategies for high-tax states
Replies: 11
Views: 1205

Re: re Medigap HD F plan offered by a company with

When Medicare pays for services, Medigap plan is required to
pay the balances (Deductibles, Co-insurance) without your
involvement whatsoever.

Therefore, rating of insurance company is somewhat less
important for Medigap plans.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Mon Oct 07, 2013 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: re Medigap HD F plan offered by a company with
Replies: 7
Views: 592

Re: [Health Insurance premium increases 55%]

You are in the right direction to take a Silver plan. Make sure your Service Providers are in the network. Once you are eligible for Medicare at age 65, your Medical insurance costs could go down. Disclosure: I am a Certified Volunteer Medicare Counselor from NJ and an Advisor for ACA
by mur44
Sat Oct 05, 2013 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Health Insurance premium increases 55%]
Replies: 14
Views: 1480
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