Search found 592 matches

by mur44
Sat Feb 06, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D IRMAA incorrectly assesed
Replies: 4
Views: 353

Re: Medicare Part D IRMAA incorrectly assesed

If you did not enroll in Medicare Part D, you
should not be charged IRMAA for it.

If you have employer coverage for drugs,
you need not take Part D.

Medicare enrollment is optional.


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Fri Feb 05, 2016 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 127
Views: 10760

Re: Large amount of CDs maturing....what to do?

@Kevin M, For TFCU (From DepositAccounts.com): According to CSR, the Early Withdrawal Penalty (EWP) is based on a formula, with the time left until maturity the determining factor. CSR also stated that the EWP would not exceed 180 days interest. Therefore, I assumed that EWP would be 6 months for 3-...
by mur44
Fri Feb 05, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 127
Views: 10760

Re: Large amount of CDs maturing....what to do?

@ Kevin M and Protagonist, Thank you both for prompt posts to the offer at TFCU. Membership in American Consumer Council would be easy way to open a CD at TFCU. I already belong to American Consumer Council. I live in NJ. I spoke to the CSR at TFCU and got application forms online and I already mail...
by mur44
Fri Feb 05, 2016 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 127
Views: 10760

Re: Large amount of CDs maturing....what to do?

A good 3-year CD (2.5%) is now being offered at the following at Transportation FCU: https://www.depositaccounts.com/blog/2016/02/transportation-fcu-offers-limitedtime-toprate-3year-cd.html With the above newly available 3-year CD, I am wondering if it is better to go with the above 3-year CD or 5-y...
by mur44
Wed Feb 03, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Adjustment: Life Changing Event
Replies: 2
Views: 404

Re: Medicare Adjustment: Life Changing Event

You need two separate applications.
by mur44
Mon Feb 01, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap plan F hi-ded ?
Replies: 3
Views: 303

Re: Medigap plan F hi-ded ?

If your health is good, you can save money by switching down to Medigap 'F' High Deductible plan. Look for the cheapest insurance company premium as the benefit is identical. Also, look into Medigap Plan 'N'. It is also popular along with Plans 'C', 'F' and High Deductible 'F'. Your SHIP (State Heal...
by mur44
Fri Jan 29, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2327

Re: Buying Carpet and Painting

Thank you all for the replies.
by mur44
Thu Jan 28, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 127
Views: 10760

Re: Large amount of CDs maturing....what to do?

@ Kevin and @Protagonist,

Thank you both for the responses.

I just called Alex and he told me that I am
qualified (My son lives there and I have EZ pass
from MA).

I am ready to open a 57 month CD there,
but I will wait till next week (February) to
initiate the CD.
by mur44
Tue Jan 26, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2327

Re: Buying Carpet and Painting

We are planning to replace carpet in our house.
We already looked at some samples at local Home Depot.

Is it cheaper to buy carpet replacement at Costco?

Any Carpet Buying and Replacement experiences from
Home Depot/Costco?
by mur44
Mon Jan 25, 2016 7:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3645

Re: Happy Birthday Taylor!

Happy Birthday, Taylor.

Murty from NJ
by mur44
Mon Jan 25, 2016 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: Impact of delaying - What to do?
Replies: 14
Views: 896

Re: Medicare: Impact of delaying - What to do?

crefwatch, You are WRONG. Your employer health insurance is PRIMARY if you (or spouse) have CURRENT employment based health insurance, provided your employer has more than 20 employees. If your employer health insurance is adequate, then there is NO need to enroll in Medicare Part B: https://www.med...
by mur44
Sun Jan 24, 2016 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Medicare: Impact of delaying - What to do?
Replies: 14
Views: 896

Re: Medicare: Impact of delaying - What to do?

If your employer has more than 20 employees, the Medicare law does NOT require your wife to enroll in Medicare Part B. Note that Part A is free (if you have 10 years of 'work') and your wife can enroll at age 65 in Part A only. Enrollment in Part B is optional for her at age 65. Same rules apply for...
by mur44
Sat Jan 23, 2016 12:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 4982

Re: Hope everyone is well [Preparing for Eastern US blizzard]

Bergen County, NJ: We already got 7-8" and it is
expected to continue until mid-night.

I used my 20" Toro Electric snow thrower to shovel
about 6" this morning when we got a short break.

We still have power.
by mur44
Thu Jan 21, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Large amount of CDs maturing....what to do?
Replies: 127
Views: 10760

Re: Large amount of CDs maturing....what to do?

Protagonist,

I telephoned Pioneer Valley FCU in Springfield, MA.
They said, I can NOT open a CD at their CU because
I am a resident of New Jersey. I told them my son lives
in Massachusetts.

Do you live in Massachusetts?
by mur44
Sun Jan 10, 2016 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 3521

Re: Medicare signup

In New Jersey, SHIP counselors go through rigorous training and then pass an examination. We help people from all categories of the society. Personally, I helped doctors, engineers, financial executives, middle class and low income beneficiaries. Our Certified SHIP Volunteer counselors receive excel...
by mur44
Tue Jan 05, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship customer service
Replies: 10
Views: 1310

Re: Flagship customer service

Our flagship rep is excellent. Also, our previous
reps were equally good.

Just our experience. YMMV
by mur44
Wed Dec 23, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Cancel Medigap plan to save money for a year+?
Replies: 40
Views: 2207

Re: Cancel Medigap plan to save money for a year+?

Connecticut and New York state residents have the right to buy a Medigap plan at any time. For free and unbiased counseling, you should call or visit your local SHIP (State Health Insurance Assistance Program) counselor: https://shipnpr.acl.gov/Default.aspx?AspxAutoDetectCookieSupport=1 Disclosure: ...
by mur44
Mon Dec 21, 2015 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question: VFSTX and VBIRX
Replies: 1
Views: 114

Wash Sale Question: VFSTX and VBIRX

I am considering selling VFSTX (VGD ST Trm Inv Gr) to
realize TLH and buying VBIRX (VGD ST Trm Bond Index).
These are two different indexes.

Is this considered a Wash Sale?

Any advice would be appreciated.
by mur44
Wed Dec 16, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Need indoor "orthotic" shoes/slippers
Replies: 27
Views: 1108

Re: Need indoor "orthotic" shoes/slippers

With adequate 'exercise', you may be able to
avoid 'expensive' options.

I do yoga exercise for feet and it has helped
a lot.

I have not visited podiatrist in 10 years.

YMMV
by mur44
Tue Dec 15, 2015 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 319
Views: 30321

Re: Vanguard TurboTax - Not Available 2015?

Turbotax tries to mislead even after
they said they made a big mistake last
tax season by sending a 2015-CD last month.

I am switching to HRBlock this year.
Is Friday the best price for HRBlock
purchase at Amazon?
by mur44
Sun Dec 13, 2015 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Please confirm: Medicare coverage
Replies: 39
Views: 2246

Re: Please confirm: Medicare coverage

You have what is known as Original Medicare. Congratulations on your good health. Take a look at your parents' health as well. You should look at two major factors (Health and Wealth) to determine if you need to think about buying Medigap, which is very expensive (depends on where you live). If you ...
by mur44
Tue Dec 08, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Nursing home billing for skilled nursing
Replies: 4
Views: 480

Re: Nursing home billing for skilled nursing

Skilled nursing is covered FREE for 20 days by Medicare. Days 21-100 at Skilled Nursing Home are covered by Medicare with a co-payment. Tricare is supplemental insurance. Tricare most probably covers the co-pays. Tricare SPD contains details. Medical services are usually billed within 30 days of ser...
by mur44
Mon Dec 07, 2015 1:26 pm
Forum: Investing - Theory, News & General
Topic: 1099-B and Vanguard's Cost Basis Amount
Replies: 29
Views: 3051

Re: 1099-B and Vanguard's Cost Basis Amount

I sold VTSMX uncovered shares. VGD has average cost basis information for the same. My questions: (1) Is it necessary for me to calculate the cost basis myself or use VGD supplied average cost information? (2) Since I bought these shares at different times, do I need to list them separately or lump ...
by mur44
Thu Dec 03, 2015 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 50
Views: 4637

Re: long term capital gain tax vs. roth conversions

JW Thanks for your prompt reply The first column: Paying NJ estimated taxes (approximately $12,000) in 2015 for the year 2015 for LTCGs. The second column: Delaying the NJ estimated taxes into 2016 (Pay est. taxes by January 15, 2016) for the year 2015 LTCGs. Please note, I will NOT have AMT situati...
by mur44
Tue Dec 01, 2015 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 50
Views: 4637

Re: long term capital gain tax vs. roth conversions

Thanks JW and grabinar for your posts. As suggested, I tried to estimate 2015 income taxes using Turbotax-2014 using two (2) scenarios (Paying NJ taxes in 2015 and Jan 2016). Below are results: -------------NJ Taxes 2015------NJ Taxes2016 Item Ded------$24,000---------- $15,000 AMT Tax-------$ 6,100...
by mur44
Sun Nov 29, 2015 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: long term capital gain tax vs. roth conversions
Replies: 50
Views: 4637

Re: long term capital gain tax vs. roth conversions

For the tax year 2015, I will be subject to AMT due to LTCG (I sold mutual fund shares in November 2015). (1) I tried to calculate amount of estimated taxes due to IRS and State of NJ using Taxcaster. It's results seem to be incorrect. Is there any other source for the same? (2) If I make estimated ...
by mur44
Sun Nov 22, 2015 7:49 pm
Forum: Investing - Theory, News & General
Topic: Shiller - S&P 500 may reach 1430 by 2020
Replies: 80
Views: 25421

Re: Shiller - S&P 500 may reach 1430 by 2020

This thread has been dormant for a few years.

Any thoughts on why this forecast was so wrong?
or we need to wait 5 more years to find out if
Prof. Schiller's forecast is any good.
by mur44
Sat Nov 21, 2015 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part A
Replies: 5
Views: 527

Re: Medicare Part A

When you reach 65, you are eligible for Medicare benefits. Please note that Social Security retirement age is NOT the same. Medicare Part A is free and you should enroll in Medicare Part A during your Initial Enrollment Period. You can delay enrolling in Medicare Part B if you (or your spouse) have ...
by mur44
Sat Nov 21, 2015 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Question
Replies: 2
Views: 363

Re: Medicare Question

(1) There is NO need for your wife to enroll in Medicare Part B and D now as long as she is covered under your CURRENT employment. She can cancel Medicare Part B by visiting your local Social Security office or mailing completed form, CMS 1763 http://www.pdffiller.com/1323594-CMS1763-CMS-1763-Other-...
by mur44
Thu Nov 12, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: Warm and Quality Blanket Recommendations
Replies: 18
Views: 1947

Re: Warm and Quality Blanket Recommendations

Thanks all of you for the great ideas.

jabberwock, thanks for giving your opinion regarding Peacock Alley
blankets.
by mur44
Wed Nov 11, 2015 8:28 am
Forum: Personal Consumer Issues
Topic: Warm and Quality Blanket Recommendations
Replies: 18
Views: 1947

Warm and Quality Blanket Recommendations

I like to buy warm and quality blanket that
is NOT electric. Any recommendations?

Does anyone have good experience with
Peacock Alley Heathered Flannel Blanket?
by mur44
Sat Nov 07, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan F High Deductible--Simplify the Ded. Payments?
Replies: 45
Views: 2954

Re: Medicare Plan F High Deductible--Simplify the Ded. Payments?

Have you looked at Medigap Plan "N"?
It is becoming popular option.

Also, you can visit your local SHIP
(State Health Insurance Assistance program) counselor
for free and unbiased assistance:

https://www.shiptacenter.org/

Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Sat Nov 07, 2015 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How do you choose Health Plan (esp Medicare)...
Replies: 15
Views: 1008

Re: How do you choose Health Plan (esp Medicare)...

Your best option is to visit your local SHIP
(State Health Insurance Assistance Program) counselor
for Free and Unbiased assistance:

https://www.shiptacenter.org/

Identify your State and County to obtain
telephone number.


Disclosure; I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Tue Nov 03, 2015 10:25 am
Forum: Investing - Theory, News & General
Topic: CD 5-Year Report Card
Replies: 50
Views: 6034

Re: CD 5-Year Report Card

Kevin M, The report is simply outstanding. It answered a lot of my questions. I will keep three reports together. I am wondering how VICSX (Vanguard Interm-Tm Corp Bd Idx Admiral) compares with VFIDX (Vanguard Interm-Term Invmt-Grade Inv) in terms of credit risk. Is it a score of '2' for both? If it...
by mur44
Mon Nov 02, 2015 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plans:Any experience with Aetna, USAA or Blue Cross Blue Shield
Replies: 29
Views: 1766

Re: Medigap Plans:Any experience with Aetna, USAA or Blue Cross Blue Shield

When buying a Medigap Plan, price is more important than the insurance company. You should consider your Health and Wealth when purchasing a Medigap Plan. To obtain free and unbiased advice, you can call your local SHIP (State Health Insurance Assistance Program): https://shipnpr.acl.gov/Default.asp...
by mur44
Sat Oct 31, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D should I sign up
Replies: 15
Views: 1293

Re: Medicare Part D should I sign up

If your wife is currently employed and has creditable coverage and you are covered under her current employment based health insurance, you will NOT be penalized for late enrollment into Part D. You will than get a Special Enrollment Period when she retires. If your wife does not have employment bas...
by mur44
Sat Oct 31, 2015 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard alert [Unclaimed property notice]
Replies: 53
Views: 6196

Re: Vanguard alert

Remember Halloween 2015!
by mur44
Wed Oct 28, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with maturing CDs?
Replies: 56
Views: 5544

Re: What to do with maturing CDs?

Kevin M, In view of today's FOMC statement that it is open to rate hike in December 2015 (WSJ: Fed Keeps Rate Hike This Year on Table), more Credit Unions or Banks might offer more lucrative rates during the next 2 months for say 5-year CD's. A local (NJ) CU (http://www.gardensavingsfcu.org) is now ...
by mur44
Wed Oct 28, 2015 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Questions on Medigap Plans
Replies: 10
Views: 947

Re: Questions on Medigap Plans

We are alerted of the proposed changes with Medigaps. You may want to consider Medigap Plan "F" High Deductible (HD) or Plan 'N' options. If your health is good, the "F" HD option could turn out to be optimal during lifetime. Plan 'N' is becoming popular. Disclosure: I am a Certi...
by mur44
Tue Oct 27, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you expect from your hospital?
Replies: 33
Views: 3127

Re: How much do you expect from your hospital?

Hospital billing errors are very common.

If you need assistance in getting hospital billing
issues resolved, you may use third party entities such as:

http://claims.org/becap.php
by mur44
Sun Oct 25, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: What to do with maturing CDs?
Replies: 56
Views: 5544

Re: What to do with maturing CDs?

Thanks Kevin for your reply regarding E-Loan
5-year CD EWP.

In your opening remark, you mentioned about
Laddered Bonds. I have never bought individual
bonds.

Is it possible to build Laddered Bond Funds,
in particular using Vanguard bond funds?
by mur44
Fri Oct 23, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with maturing CDs?
Replies: 56
Views: 5544

Re: What to do with maturing CDs?

Kevin,

I learned a lot from your blog on CD's.
Thanks for the same.

The E-loan 5-year CD rate looks interesting to me
at this point in time. I still want to wait for any
holiday specials that might come along before the
year end.

Are there usually year-end CD specials?
by mur44
Mon Oct 19, 2015 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D Prescription 2016 plan rate increases
Replies: 22
Views: 2516

Re: Medicare Part D Prescription 2016 plan rate increases

Sheepdog, Before you drop Part D, make sure you understand the penalty implications if your wife decides to enroll in Part D later on. Everything is going up for Medicare beneficiaries. Nobody knows exactly which entities are raising prices - Insurance Companies, Pharmaceutical companies or Pharmaci...
by mur44
Mon Oct 19, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Medicare Advantage Plan surprises
Replies: 1
Views: 297

Re: 2016 Medicare Advantage Plan surprises

North Carolina state seems to have about 40 different Medicare Advantage plans available. Please note that Medicare deductibles, co-pays and co-insurance have gone up for 2016. All Medicare beneficiaries using Medicare Advantage plan and/or Part D drug plan should research to find the best plan each...
by mur44
Sat Oct 17, 2015 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap choosing lowest premium company
Replies: 19
Views: 1423

Re: Medigap choosing lowest premium company

artthomp, Part D premiums for 2016 are going up substantially everywhere in the country. Our monthly premiums in NJ are going up 15%. Additionally, Deductibles and Co-pays are going up. To save some money, you may want to choose preferred pharmacy (Usually, Walmart and Walgreens) to reduce your Co-p...
by mur44
Fri Oct 16, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Medigap choosing lowest premium company
Replies: 19
Views: 1423

Re: Medigap choosing lowest premium company

Your decision to go with the lowest premium is
prudent. In general, the State Department of
Banking and Insurance (DOBI) approves these insurance
companies. you can call your state (DOBI).


Disclosure: I am a Certified Volunteer Medicare Counselor from NJ
by mur44
Thu Oct 15, 2015 1:04 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25414

Re: Northwest FCU 3-year 3.04% Add-On CD

Our funds have just been transferred to NWFCU
as of this morning. We are happy. Thanks all of
you (especially Kevin and Maria).

Now I am looking for 1 and 2 year CD's so that I
can build a CD ladder. I can wait and watch
CD rates before I commit funds.
by mur44
Wed Oct 14, 2015 8:09 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25414

Re: Northwest FCU 3-year 3.04% Add-On CD

Even though we opened the Dream CD's 10 days ago, money is
yet to be pulled from our bank.

When can we expect the transactions to be completed?

Kevin and Maria, how about yours?
by mur44
Mon Oct 12, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Resources
Replies: 6
Views: 463

Re: Medicare Resources

You can visit local SHIP (State Health Insurance assistance Program) counselor for guidance: https://shipnpr.acl.gov/(X(1)S(qryrjjalf0kqzqy4sphwtw55))/Default.aspx?AspxAutoDetectCookieSupport=1 Select your State and County to obtain telephone number. Disclosure: I am a Certified Volunteer Medicare C...
by mur44
Sat Oct 10, 2015 6:07 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 327
Views: 25414

Re: Northwest FCU 3-year 3.04% Add-On CD

When the 3-year CD matures, can I withdraw
funds from the NWFCU using local CU just as
I could deposit moneys at local CU.

NWFCU has a list of sister CU's located here
in New Jersey.

I could possibly ask for a Share Draft (Bank Check)
for the balance upon CD maturity.

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