Search found 640 matches

by mbres60
Fri Jan 29, 2016 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premiums
Replies: 33
Views: 2043

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: 6416

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: 6416

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: 308

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: 440

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: 440

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: 1319

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: 3121

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: 1073

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: 1073

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: 598

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: 598

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: 6416

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: 2544

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: 1045

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: 4792

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: 1298

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: 856

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...
by mbres60
Fri Nov 27, 2015 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: MAGI and IRMAA [Income-Related Monthly Adjustment Amount]
Replies: 14
Views: 1580

Re: MAGI and IRMAA

We received a similar letter with the same date on Wednesday. In our case our income was high in 2014 because I retired that spring with a buyout from work. Stopping work is one of the listed reasons they will consider changing the amount so we will have to go into a SS office next week. This letter...
by mbres60
Wed Nov 25, 2015 4:00 pm
Forum: Personal Consumer Issues
Topic: Protecting carpet from office chair wheels
Replies: 17
Views: 1336

Re: Protecting carpet from office chair wheels

I got a polycarbonate chair mat 5 years ago when I got new, medium-to high pile carpet (with a nice cushy pad under it). It was pricey--about $200 plus $70 shipping for my 42X47 inch mat. I bought it from thematstore.com but I don't see the exact size and model there now. The mat is about 3/16"...
by mbres60
Tue Nov 24, 2015 5:08 pm
Forum: Personal Consumer Issues
Topic: Protecting carpet from office chair wheels
Replies: 17
Views: 1336

Re: Protecting carpet from office chair wheels

Thanks all. So far my solution is to stop sitting long in the chair :( The plywood idea is good except I don't have thin carpet to put over it. As for the stand up desk… I've seen it before where I worked. Not a bad idea but too expensive. I'm a BH after all ;)
by mbres60
Mon Nov 23, 2015 7:25 pm
Forum: Personal Consumer Issues
Topic: Protecting carpet from office chair wheels
Replies: 17
Views: 1336

Re: Protecting carpet from office chair wheels

It sounds by adding a remnant you have too much carpet so the mat is bending. There are different kinds of mats; maybe you need a firmer one. There are different kinds of casters for chairs. You can possibly retrofit the chair to have rug casters. Never heard of rug casters. I'lll have to Google. T...
by mbres60
Mon Nov 23, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Protecting carpet from office chair wheels
Replies: 17
Views: 1336

Re: Protecting carpet from office chair wheels

For the past month we have left the chair in one spot with a carpet remnant underneath it. We can't roll the chair so that each person can adjust for their height. On this chair mat we bought it looks like we will have many indentations. It bothers me. It is like getting a brand new car that is shin...
by mbres60
Mon Nov 23, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Protecting carpet from office chair wheels
Replies: 17
Views: 1336

Protecting carpet from office chair wheels

We recently got new plush carpeting for our upstairs bedrooms. In one room (bedroom and office) we have an office desk chair that has five wheels off of its base. We had immediately put down a leftover piece of the carpet so there would not be any permanent indentations. Unfortunately, two things ha...
by mbres60
Sat Nov 21, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: Costco and Amex Cards - got Blue Amex
Replies: 18
Views: 2698

Re: Costco and Amex Cards - got Blue Amex

I'm pretty sure it is going to be Visa.
by mbres60
Fri Nov 13, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: FEHB January 1-10 insurance gap
Replies: 9
Views: 811

Re: FEHB January 1-10 insurance gap

No need to worry - there will not be a gap if all you are already enrolled and are just changing plans. Your current plan will be in effect during that period. We have switched FEHB plans several times and they time it correctly so old plan ends one day and new plan starts up the next. That would b...
by mbres60
Wed Nov 04, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 449
Views: 34652

Re: Changes to Social Security

Thanks! This helps.
by mbres60
Wed Nov 04, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 449
Views: 34652

Re: Changes to Social Security

Spouse 1 - 66 yrs old. Retired Fed. CSRS. Eligible for a small SS check. Planning on waiting til 70 to collect so it is larger. PIA - $278 Spouse 2 - turning 65 in a few weeks. Not yet collecting SS. Planning on waiting til 70 or close to it. Retired but not a Fed. My mind is mush after reading all ...
by mbres60
Mon Nov 02, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Vanguard and Safari
Replies: 9
Views: 902

Re: Vanguard and Safari

Just went to the Vanguard site and I can still use it. Since I cleared cookies yesterday it has worked. Not sure what caused it not to work yesterday. Thanks everyone for your responses.
by mbres60
Sun Nov 01, 2015 10:24 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation questions
Replies: 41
Views: 3194

Re: Hawaii vacation questions

We were in Honolulu this past winter. We were on a cruise and had one day. (We have been to Hawaii before). We rented a car and drove from Waikiki to the North shore and then back down through the middle of the island to Waikiki. There is beautiful scenery to see along the way. We stopped many times...
by mbres60
Sun Nov 01, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: Vanguard and Safari
Replies: 9
Views: 902

Re: Vanguard and Safari

Thanks Livesoft. I am using the same version of Safari. I cleared my cookies and that seemed to work but I know I have cleared cookies during this past week when it also happened. Not sure what is going on.
by mbres60
Sun Nov 01, 2015 3:42 pm
Forum: Personal Consumer Issues
Topic: Vanguard and Safari
Replies: 9
Views: 902

Vanguard and Safari

I am using a Macbook Pro and using Safari as my web browser. I have been doing this for 3.5 years with no problem. This past week I have had trouble on Vanguard's website on my laptop but NOT on my IPAD. Seems strange to me as I am not a techie and hope someone here might be able to help. On my lapt...
by mbres60
Fri Oct 30, 2015 6:17 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation questions
Replies: 41
Views: 3194

Re: Hawaii vacation questions

My wife and I traveled to both honolulu and maui in spring 2014. There are packages to travel to multiple islands if you dont want to have to choose between them. We booked our vacation thru AAA, which was well worth saving myself the time and hastle. I dont know if I could have even saved myself m...
by mbres60
Sat Oct 24, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble logging in to Vanguard
Replies: 2
Views: 225

Re: Having trouble logging in to Vanguard

Thanks however I just tried again and it now works. Maybe they had a glitch for a couple of minutes?
by mbres60
Sat Oct 24, 2015 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Having trouble logging in to Vanguard
Replies: 2
Views: 225

Having trouble logging in to Vanguard

Anyone else have trouble? I logged in and then saw all my accounts. However, when I click on an account I get a message saying they couldn't find the server. I tried this a couple of times by closing my browser and relogging in but it did not help.
by mbres60
Sun Oct 18, 2015 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Consolidated 2016 Medicare Part B Increase thread
Replies: 111
Views: 3019

Re: How to Avoid the 2016 Medicare Part B Increase

tadamsmar, I sympathize with your situation and have a question and a suggestion. Question: How soon Medicare penalties are imposed after the initial eligibility? In other words, can you delay Medicare by 1 year until you can sign for both Social Security and Medicare, without a Medicare penalty ? ...
by mbres60
Sat Oct 17, 2015 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Consolidated 2016 Medicare Part B Increase thread
Replies: 111
Views: 3019

Re: How to Avoid the 2016 Medicare Part B Increase

tadamsmar, I sympathize with your situation and have a question and a suggestion. Question: How soon Medicare penalties are imposed after the initial eligibility? In other words, can you delay Medicare by 1 year until you can sign for both Social Security and Medicare, without a Medicare penalty ? ...
by mbres60
Wed Oct 07, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Anyone with AAA Visa Signature Card?
Replies: 0
Views: 270

Anyone with AAA Visa Signature Card?

We have always had cards that gave cash back but have had this card for the last year or so. In looking over the terms etc it looks like it is more beneficial to use the rewards for travel (airline specifically) than for AAA vouchers or cash back. Anyone have experience with this? Any pros or cons a...
by mbres60
Wed Oct 07, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Medicare?
Replies: 6
Views: 1014

Re: Medicare?

I too will be part of the 30% whose Medicare Part B will probably increase because I become eligible for Medicare in Dec. I went to the social security site and saw something on there that said you would need to be on Medicare for TWO months during 2015 to not be part of the pool that would "be...
by mbres60
Fri Oct 02, 2015 6:15 pm
Forum: Personal Consumer Issues
Topic: Any one here live with parents or in laws for a long time?
Replies: 26
Views: 2955

Re: Any one here live with parents or in laws for a long time?

Based on what you wrote you said your wife wants to move out. Therefore it does not matter if others have done this successfully or not. What matters is you and your wife and she has already told you want she wants. It is not part of my culture to live this way although I think it is nice if it work...
by mbres60
Thu Oct 01, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: How do I save one month of Part B?
Replies: 5
Views: 489

Re: How do I save one month of Part B?

For us it is x2 as spouse has not collected SS yet either. I figure if I can save even $104.90 for the month of December I'll do it. Better in my pocket than someone else's.
by mbres60
Thu Oct 01, 2015 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do I save one month of Part B?
Replies: 5
Views: 489

Re: How do I save one month of Part B?

Thanks for the info. I ended up calling SSA and staying on hold for about 45-50 minutes. I was told that I could sign up online by putting in the notes section that I want Part A to be effective December and Part B January. I was told when you sign up online they call you about 2 weeks later to conf...
by mbres60
Thu Oct 01, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do I save one month of Part B?
Replies: 5
Views: 489

How do I save one month of Part B?

I will be turning 65 soon and will be eligible for Medicare. I will be signing up for Parts A and B although I want to wait one extra month for Part B. I am currently in an HMO which does not give any discounts for having Part B so no need to pay for it for the month of December. I will switch my in...
by mbres60
Thu Oct 01, 2015 3:27 pm
Forum: Personal Consumer Issues
Topic: PLEASE, help me choose between 4 wood floors
Replies: 35
Views: 2908

Re: PLEASE, help me choose between 4 wood floors

Asking for a cash discount (with the cash in my hand) made the floor store a good deal. Deal is done and I think it was a win-win for both of us. 2nd choice would have been locally sourcing some lovely prefinished wood from the mill (at $4.50-5/sq ft) and having an independent do the install later ...
by mbres60
Thu Sep 17, 2015 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Gift Allowance per year/5 year horizon
Replies: 12
Views: 1286

Re: Double check my parent's Vanguard Conversation

I too estimate $40,146. I used an online calculator and put $1,100,000 for the balance on 12/31/2016. I estimated her birth year as 1947.
by mbres60
Sun Sep 06, 2015 7:46 am
Forum: Personal Consumer Issues
Topic: Mac Book Pro- do I need antivirus software?
Replies: 26
Views: 2991

Re: Mac Book Pro- do I need antivirus software?

We too use the free version of Avast. Whenever we scan it does not find anything but there are always 14 files it can not scan. Don't know what that is all about.
by mbres60
Fri Sep 04, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: ATM payment wrong?
Replies: 13
Views: 902

Re: ATM payment wrong?

Years ago my ATM only gave out $20 bills. I went to get $100 and instead of one of the $20's was a $50 bill!! The bank was closed and it was the week end so on Monday I went down … told them what happened and gave them the $50 for $20.
by mbres60
Fri Sep 04, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: Data Plan For An iPad
Replies: 13
Views: 872

Re: Data Plan For An iPad

I am behind the times as far as technology. I do not have a smart phone. When I bought my IPad just over a year ago I bought it at the Apple store. I got one that has cellular service. I had to tell them which network I wanted (Verizon). I had to go through Verizon to get the service which I did for...
by mbres60
Tue Aug 25, 2015 8:26 am
Forum: Investing - Theory, News & General
Topic: Glad we made these decisions
Replies: 3
Views: 675

Re: Glad we made these decisions

Sounds great! Enjoy retirement!

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