Search found 671 matches

by mbres60
Thu May 05, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: International Travel Insurance
Replies: 11
Views: 238

Re: International Travel Insurance

+1 for TripInsuranceStore.com. We have used them several times. Never had a claim but they have always been nice with any questions I have had.
by mbres60
Tue May 03, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Trying to Understand Pension Offerings
Replies: 2
Views: 332

Re: Trying to Understand Pension Offerings

Based on the info you provided I would go with the joint and survivor annuity. If your wife will need this income if you are gone then that is the best choice (the 20 year certain will not pay her anything after 20 years if you pass before 20 years). The social security leveling option sounds to me ...
by mbres60
Fri Apr 29, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 3751

Re: How do you stop robo-calls/unwanted calls?

One bad thing about nomorobo is that some good calls get disconnected. We were waiting for either Medicare or SS to call us back because the hold times were long. When the phone rang it got disconnected. Luckily they called back right away and we got the phone on the first ring.
by mbres60
Thu Apr 28, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5095

Re: What's become of Consumer Reports?

I hadn't noticed. I'd be interested to see what others say.
by mbres60
Thu Apr 28, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: How do you stop robo-calls/unwanted calls?
Replies: 60
Views: 3751

Re: How do you stop robo-calls/unwanted calls?

If your landline is VOiP check nomorobo.com to see if your service has approved them. I have it since I read about it on this forum and it works great. Some calls slip through and I just go to their website and report the phone #. Basically if they recognize it as a robo call they disconnect it afte...
by mbres60
Sat Apr 09, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA - Medicare Premium adj - how get SS to look at current year?
Replies: 23
Views: 825

Re: IRMAA - Medicare Premium adj - how get SS to look at current year?

I filed SSA-44. No documentation needed. I checked off work stoppage. It asked for estimated MAGI for 2015 (remember I was filing in December to start Part B in January). I just needed to hand it to the person at the desk. She went back inside and came back and told me ok. Then I waited for my appro...
by mbres60
Sat Apr 09, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: IRMAA - Medicare Premium adj - how get SS to look at current year?
Replies: 23
Views: 825

Re: IRMAA - Medicare Premium adj - how get SS to look at current year?

I retired in 2014 and had high income. I went on Medicare Part B in January 2015. They wanted me to pay the IRMAA because the last year's income(2014) was above the threshold. Because I had retired I just needed to fill out a form and say what I expected my 2015 income would be. I received a letter ...
by mbres60
Thu Apr 07, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Cruise trip - Money saving tips
Replies: 32
Views: 2590

Re: Cruise trip - Money saving tips

Didn't know that. I just thought it was clever of my friend. I didn't realize they really want people spend money on shore. More likely it is the agricultural import rules. I'm not sure bringing a PB&J on shore would fall afoul of the rules, but certainly you should check. I get the agricultura...
by mbres60
Sat Apr 02, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 69
Views: 16779

Re: Costco Citi Anywhere mailling

I received this in the mail yesterday. I do believer, however, that there are a couple of threads on here that mention all the info.
by mbres60
Mon Mar 21, 2016 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: 529 - Maryland or Utah
Replies: 11
Views: 624

Re: 529 - Maryland or Utah

I would probably suggest going with MD and if they get to the point where they have a substantial amount ($50-60k) then they can decide to roll it over to Utah. MD does not (as of now at least) have any recapture provision for people pulling money out that was previously deductible. This. Start wit...
by mbres60
Mon Mar 21, 2016 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: 529 - Maryland or Utah
Replies: 11
Views: 624

Re: 529 - Maryland or Utah

Thanks all. I don't know how much they will put in each year but I doubt it is as much as some people on this board. Will they put in $2500/year or even $5,000/year? Again, don't know but more likely the lower amount. I will have to discuss this with them to see what they are thinking of doing. Afte...
by mbres60
Mon Mar 21, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: 529 - Maryland or Utah
Replies: 11
Views: 624

529 - Maryland or Utah

I'm trying to help a close relative who knows little about investing. They live in Maryland and will have their first and expected only child this summer. They have asked me to check into 529 plans. On the surface it seems like expense ratios are much lower for Utah because it is Vanguard. Maryland ...
by mbres60
Wed Mar 09, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mom needs long term care - assets into trust?
Replies: 22
Views: 2206

Re: Mom needs long term care - assets into trust?

My mom recently had an accident and will no longer be able to live independently. She will need to go to a board and care or some other long term care facility. Her only assets are an IRA at Vanguard (low 6 figures), cash in checking and savings accounts (mid 5 figures), a mobile home (~$30k) and a...
by mbres60
Sun Mar 06, 2016 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Managing mom's finances
Replies: 15
Views: 1422

Re: Managing mom's finances

Around age 80 my parents needed some help. They had already set up a revocable living trust along with powers of attorney and durable power of attorney for health care. I took care of financial stuff. Both my sibling and I were already on the checking account. This is where SS was direct deposited. ...
by mbres60
Sun Mar 06, 2016 8:41 am
Forum: Personal Finance (Not Investing)
Topic: The Coming Costco AMEX Rebate Problem
Replies: 19
Views: 2411

Re: The Coming Costco AMEX Rebate Problem

The current AMEX rebate, for those who don't carry a credit card balance, is .25% of the first $2,000, .5% for the next $5,500, and 1.5% thereafter. If a member charges $18,000 per year on the card, the rebate would be $190: $5 for the first $2,000; $27.50 for the next $5,500; and $157.50 for the l...
by mbres60
Tue Mar 01, 2016 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mom is 5 Social Security Credits Short - How Do I Help?
Replies: 20
Views: 2688

Re: Mom is 5 Social Security Credits Short - How Do I Help?

She is probably eligible through your father! Go to Medicare.gov and look for eligibility and premium calculator. I filled in fictitious info. If a spouse paid into Medicare (FICA) for at least 10 years and they are over 65 then the spouses (both of them) are eligible for Medicare. It doesn't matter...
by mbres60
Tue Mar 01, 2016 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Mom is 5 Social Security Credits Short - How Do I Help?
Replies: 20
Views: 2688

Re: Mom is 5 Social Security Credits Short - How Do I Help?

Wouldn't she qualify to get Medicare under her spouse?
by mbres60
Tue Mar 01, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 118
Views: 15969

Re: Costco AMEX Transition - Costco has no answers

Interesting. I googled it this morning and was able to read it. I just tried it now but I need a subscription. Perhaps they give you a small number of free views, then lock you out if you don't sign up. I rarely read anything on the WSJ by googling. I just happened to do it yesterday morning to rea...
by mbres60
Mon Feb 29, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 118
Views: 15969

Re: Costco AMEX Transition - Costco has no answers

Interesting. I googled it this morning and was able to read it. I just tried it now but I need a subscription.
by mbres60
Sun Feb 21, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2086

Re: Medicare Part B

I think SS had no problem with that wording because if you are over 65 and still working you can pick up Part B of Medicare at any time (even though still working). check with SS to make sure.
by mbres60
Sat Feb 20, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2086

Re: Medicare Part B

Why be uninsured for a month? Have the effective date be April 1.
by mbres60
Sat Feb 20, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B
Replies: 36
Views: 2086

Re: Medicare Part B

Sounds like the issue is your employer and not Medicare rules :( Another option is to check with SS to see if you sign up for Part B now while you are still working how long it will take before Part B becomes effective. This might be the work around you are looking for.
by mbres60
Fri Feb 19, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Badlands, etc. South Dakota... camping, with dog
Replies: 15
Views: 1008

Re: Badlands, etc. South Dakota... camping, with dog

We took a road trip around the country in 2014 and went to some of the places you mentioned. Our trip was really at most a day or possibly two in most places. I can see spending a lot of time in Yellowstone. We stayed in Cody, WY. It took 50 minutes to reach the eastern entrance of Yellowstone but a...
by mbres60
Wed Feb 17, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 118
Views: 15969

Re: Costco AMEX Transition - Costco has no answers

Just because the card will not be accepted at Costco any longer does not mean the card just goes "poof" and then not be accepted at other merchants who accept American Express Speaking over the phone, a month ago AmEx said the current Costco-AmEx card will no longer be valid at some point...
by mbres60
Tue Feb 16, 2016 9:40 pm
Forum: Forum Issues and Administration
Topic: Forum Outage This Morning?
Replies: 5
Views: 747

Re: Forum Outage This Morning?

I could not access it either. When I got on in late afternoon I looked at all of the last posts. There was a gap from sometime around 6:30 am til about 12:30 pm.
by mbres60
Tue Feb 16, 2016 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 118
Views: 15969

Re: Costco AMEX Transition - Costco has no answers

For those folks who are afraid that the rebates will end with the check in the Feb billing statement…. take a look at americanexpress.com/programupdate. I just got an offer in the mail from Amex and noticed that that they gave me this address to visit to learn about what may happen to your card acco...
by mbres60
Sun Feb 14, 2016 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Are social security employer contributions worthwhile?
Replies: 20
Views: 1627

Re: Are social security employer contributions worthwhile?

If you make a whole lot more than she does, she might never draw a payment based on her own record and thus in that case SS contributions for her record wouldn't matter. You mean she pays into the system her whole life, but her contributions never qualify her for a social security check because I m...
by mbres60
Fri Feb 12, 2016 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Amex/Costco Customer Retention Offer
Replies: 21
Views: 4107

Re: Amex/Costco Customer Retention Offer

I had an email today for $300.
by mbres60
Wed Feb 10, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 5002

Re: White Kitchen Cabinets?

Anyone have white cabinets? How do you like them? Any pros or cons? Thanks. Re did our kitchen with White cabinets, white farmhouse and white subway tile back splash and LOVE LOVE LOVE it! Does it get dirty? Yes, everything gets dirty. However at least I can see the dirt. http://i61.photobucket.com...
by mbres60
Tue Feb 09, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 5002

Re: White Kitchen Cabinets?

Thanks all for your responses. I'll let my dd know.
by mbres60
Tue Feb 09, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 5002

White Kitchen Cabinets?

My dd is redoing her kitchen. She is thinking of white kitchen cabinets but a salesperson said they get dirty. I think they all do if you don't clean them. Anyone have white cabinets? How do you like them? Any pros or cons? Thanks.
by mbres60
Fri Jan 29, 2016 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premiums
Replies: 33
Views: 2470

Re: Medicare Part B premiums

I just recently had to appeal because I had stopped work. I filled out a form at the SS office. No documentation needed… just my word. They said when I did my 2015 tax return to show them a copy. I have already received a letter from SS saying that I do not need to pay the higher amount.
by mbres60
Fri Jan 15, 2016 10:26 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6861

Re: Navy Federal CU Special Certificate Offering

mbres60, I have purchased five certificates since December 11th in my name with my wife as joint owner. Some of their other special certificate offerings (e.g., Special Easy Start and Military Appreciation) had a limit of one per person. Maybe that is to what you refer. They must have given us wron...
by mbres60
Fri Jan 15, 2016 8:52 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6861

Re: Navy Federal CU Special Certificate Offering

After reading ericinri's post I immediately called NFCU. They normally do not advise when special offers will expire, but this representative clearly stated the offer ends Sunday. I was hoping to do one a month until April (when I heard it would end) but am making the purchases now. When we opened ...
by mbres60
Sat Jan 09, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Part B Medicare billing
Replies: 1
Views: 347

Re: Part B Medicare billing

My situation is very different but I can say that I just started Part B this month (not yet taking SS) and the other day received a bill from Medicare for 4 months. So they are sending out bills now. We had a question and called them. Maybe they can answer your question too.
by mbres60
Fri Jan 08, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Reading Washington Post offline on computer
Replies: 3
Views: 471

Re: Reading Washington Post offline on computer

Thanks but I would need it for my laptop and the site you referenced is for mobile devices.
by mbres60
Fri Jan 08, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Reading Washington Post offline on computer
Replies: 3
Views: 471

Reading Washington Post offline on computer

Anyone know how I can do this? Going on vacation soon and internet might be slow. Probably easier to download and read offline. I know it can be done but don't know how. If it helps we do have a subscription and get it delivered to our home. Thanks.
by mbres60
Wed Dec 30, 2015 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Investing in CDS after tax advantaged
Replies: 18
Views: 1398

Re: Investing in CDS after tax advantaged

You are both young and have a long way to go to retirement. 40k / year in CD's is very risky. Why? Inflation. Over time that money will not be worth too much. (We have low inflation now but that will not last. Look up an inflation calculator and play around with it for the past 20 or 30 years and se...
by mbres60
Mon Dec 28, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrasing mortgage question
Replies: 21
Views: 3206

Re: Embarrasing mortgage question

Another option is to take out a 30 year loan instead of 15. I believe if you pay an extra month of mortgage payment (or something like that) each year it will reduce it down to 15 years.
by mbres60
Mon Dec 21, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversions
Replies: 19
Views: 1157

Re: Roth IRA conversions

Thanks. We have already figured out how much we can convert to stay in our same tax bracket and to make sure our MAGI stays underneath $170,000 so our Part B premiums will not increase. I woke up this morning thinking about all this and it suddenly occurred to me that maybe we would not be allowed t...
by mbres60
Mon Dec 21, 2015 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversions
Replies: 19
Views: 1157

Roth IRA conversions

I am confused. My spouse and I are retired so no earned income. My spouse has a traditional IRA from many many years ago when the $$ were deductible. Are we able to convert that to a Roth IRA even though we are retired with no earned income?
by mbres60
Sat Dec 19, 2015 6:55 pm
Forum: Personal Consumer Issues
Topic: Medicare card
Replies: 6
Views: 687

Re: Medicare card

FWIW they will be changing over to user numbers rather than SSN. They have four years to implement this on new cards and an additional four years to replace existing cards. Eventually this will be a non-issue. Eight years is a long time to become a non issue for me. Until that time though…. what do...
by mbres60
Sat Dec 19, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Medicare card
Replies: 6
Views: 687

Medicare card

I know people say to make a copy of your Medicare card but black out all digits of the SS number except for the last 4. I am concerned that I will forget to bring the original copy when I go to a new doctor. Actually just started on Medicare so all doctors would need to see my new insurance. How do ...
by mbres60
Wed Dec 16, 2015 2:39 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal CU Special Certificate Offering
Replies: 59
Views: 6861

Re: Navy Federal CU Special Certificate Offering

I called. The offer expires December 31st. If you go their web page and look to the right on the first page, you will find a series of questions that will determine if you qualify to be a member. I just called. They put me on hold while they called over to another dept and came back and told me it ...
by mbres60
Thu Dec 10, 2015 5:43 pm
Forum: Personal Consumer Issues
Topic: Advice for Encouraging Parents to Declutter Home?
Replies: 38
Views: 2788

Re: Advice for Encouraging Parents to Declutter Home?

It is hard to get rid of useless stuff that has been owned for so long. I think you should start with getting rid of your own stuff that was left behind. After that all you can do is tell your parents that when you are there you would be glad to help them get rid of a lot of the old paperwork, etc. ...
by mbres60
Wed Dec 09, 2015 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare problems: advice needed
Replies: 18
Views: 1173

Re: Medicare problems: advice needed

As others have said there is a penalty for Part B if you delay Medicare past your initial enrollment period (IEP). That period is 3 months before you turn 65, your birthday month, and 3 months after your birthday. I assume he totally retired in 2009 from the government and did not have other employe...
by mbres60
Sun Dec 06, 2015 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Huge credit on Costco AMEX card, can't get rid of it
Replies: 40
Views: 5129

Re: Huge credit on Costco AMEX card, can't get rid of it

I'd be inclined NOT to call the vendor. You are calling an unknown company and would have to give your credit card account number for them to use to check their records. I don't think that is a wise idea. I would call AMEX back and ask to speak to a manager. They need to notify the company to check ...
by mbres60
Sat Dec 05, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: phone bloop
Replies: 11
Views: 1441

Re: phone bloop

I too signed up for NoMoRobo after reading about it on here a couple of months ago. Works great although some calls still come through… especially those scammers who put their caller ID number beginning with a "1" or have it hidden. You can't report a number to them that was missed unless ...
by mbres60
Wed Dec 02, 2015 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees Open Season - AETNA Direct
Replies: 4
Views: 933

Re: Federal Employees Open Season - AETNA Direct

We have had Aetna Open Access HMO for years. Never had any problems. We are now both (well, I start Jan 1) on Medicare and picked up Part B. I got the Consumer Checkbook book and Aetna Direct scores very high with them. I don't know why the Aetna plans say NA but we decided to switch to Aetna Direct...

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