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  1. Bram

    Medicare Fraud… Do you check your EOBs?

    We received an EOB (Explanation of Benefit) from our Medicare secondary insurance that looked sketchy. So i checked Medicare online (don’t get paper copies) and there were $3800 total carges for catheter supplies for 2 dates in May and June, none of which had been ordered nor received. Between...
  2. Bram

    Offered lump sum payout of pension

    I was notified last week of a one time offer to take a lump sum payout of my defined benefit, non-cola pension in lieu of lifetime monthly payments. We retirees have until Dec 6, 2019 to make this election. I took all of about 10 seconds to decide on that. :dance: I will have the money rolled...
  3. Bram

    Weird Email issue! What do you think?

    I got an email that was....... From: Our Bank. Subject: Our Banks New Budget Tool. However, the body of the email was a message from Express Scripts that it was time to refill script #***1234, with 3 refills left, click button to refill now. I went to ES website & checked & yes we do have an...
  4. Bram

    Rafting Colorado River thru Grand Canyon,,,,we did it!

    A bit over a year ago I had posted about possibility of doing this adventure, asking for opinions, because I had misgivings. Many posters were very encouraging to go for it. Well, last week DH/I, son/dil & 3 grands (13,12 & 12yrs) joined 15 strangers & 5 crew & completed an 8 day motorized raft...
  5. Bram

    Q regarding charitable tax-exempt organization

    The charitable/educational group to which I'm a member has 501-3-c tax exempt status. We have 110 or so members & a question has been voiced as to what is the $ limit we are legally allowed in our treasury. Some say it is $25k. I found nothing in Publication 557, Tax-Exempt Status for Your...
  6. Bram

    RMD from Inherited IRA

    DH inherited an IRA from his sister who passed a year ago. She had inherited it from her deceased husband in the 1990s & was taking RMDs. DH transferred his part of the account from her Fidelity to our Vanguard. He needs to start taking RMDs from it this year. We spoke to Vanguard about this &...
  7. Bram

    Rafting the Colorado in Grand Canyon

    Our son would like to plan a 7-day rafting trip thru the GC for summer 2017 for our family, 4 adults , 3 tweens. I'm feeling a bit unsure about signing on for this. Has anyone one done this & would like to share your experiences?
  8. Bram

    Advice on paying for an audit?

    I belong to a non-profit "club" of about 100 members. I've served as Treasurer for about 1 1/2 years & we will elect a new one for a 2 yr term @ the end of the year. I'm not at all interested in running for reelection. Our treasury has about $15-18K in it & typically runs over $10K. When I...
  9. Bram

    MyMedicare dot gov

    DH & I just joined the Medicare ranks. They have a secure site https://www.mymedicare.gov/ for accessing personalized information regarding your Medicare benefits and services, claim information, keeping track of self reported personal/ family history & printing it out for physician visits, etc...
  10. Bram

    SS strategy... is this doable?

    Dh & I are now both retired, both 65 & both receiving pensions, no SS yet. I turn 66 in April, he in July, 2013. We plan to hold off on my (larger) SS benefit until age 70. Here is our "if possible" plan for next year as we both reach our full retirement age (FRA) of 66: Step 1: I file and...
  11. Bram

    Decision trees re pensions

    In 2012 dh & I will start drawing our pensions. There are lots of decisions to be made in conjunction with this. I have one DB pension that will pay roughly $1100/month. I don't know the particulars of the available options (guessing it will be between Lifetime vs Joint & Survivor, no lump sum...
  12. Bram

    The Madoff book & interviews...

    Anyone watch the 60 Minutes interview of Bernie's wife Ruth & son Andrew (his fiancee wrote a book)? The 3 also were on Today this a.m. being interviewed by Matt Lauer. I found it interesting. Ruth appears to be highly medicated, imho, as she seems almost robotic. I always thought they were...
  13. Bram

    Reordering Checks

    Mine have lasted for yearsss with the advent of online bill pay. So now it's getting time to reorder. Looks like the company my bank deals with charges $25 (for 200, I think) & they may or may not have a "discount" when I get to the "check-out" page. In the past I had always ordered thru a...
  14. Bram

    Homeowner Insurance overcharged on premium

    I am considering filing a complaint to the Ohio Dept of Insurance. I want to be objective so am soliciting opinions, as to whether that would be appropriate. Having rec'd a post card from my agent that said "We need to talk about your castle insurance", I gave him a call. He wanted me to come...
  15. Bram

    Ameriprise Financial Fee Settlement

    I had forgotten about it, but was a member of the Class Action in the "American Express Financial Advisors Securities Litigation". Today I received 3 .... yes 3!...... checks in the mail! Drumroll, please.... $7.87 each = $23.61 :o Anyone else get a holiday gift horse?
  16. Bram

    Is this ironic, or just plain pathetic?

    I am a quilter, went recently to a "workship" by a nationally known quilter who also had their newly published book on sale. Hot off the press, reduced price for us! A little background about quilting: it is a truly American inspired art/craft rooted in the pioneer days. Quilters... the true...
  17. Bram

    The Texas "child abuse"/FLDS situation

    Watched Larry King tonight interview 3 of the FLDS women from the Eldorado compound whose children were "rescued". (400 children were taken away & are awaiting the next step,,,, whatever that is). I'm thinking that this is all going to come back & bite the butts of the authorities involved in...
  18. Bram

    What to do? File taxes now or later?

    We've been 2000 miles away from home since last Sept (dh is working here). When we left home I didn't give a thought to filing income taxes this April. I ran the numbers for a standard deduction & we would get a $200-$300 refund. Also, we would get the stimulus money of $1200. There is a lot of...
  19. Bram

    What do you think of America's "war on drugs" ?

    I watched a documentary film on ShoTime this morning, "American Drug War: The Last White Hope" (2007). I have to say it was rather an eye opener for me. I would need to watch it at least a second time in order to comprehend it all,,,, it was just so shocking for me to hear many of the thngs...
  20. Bram

    Water Aerobics

    I am interested in buying a CD/tape to use for water aerobics. Something not too vigorous (no spring chick here. :p ) Perhaps I should phrase it water "exercises", eh? So does anyone here have any recommendations? TIA!
  21. Bram

    College President's Salary & Bonus

    The Ohio State University's President Karen Holbrook has recently retired after 5 years as the head of OSU. Her contract had called for an annual bonus of up to 25% of her annual salary. The past year's bonus would have been $95,041 (her final year base salary was $380,164). The OSU trustees...
  22. Bram

    Internet Forum Bullying

    Well, I haven't been here for awhile & it tells me so, right above this field & furthermore, invites me to post. Since I am brushing myself off after having wandered off into snarkier nets, this topic came to mind. I interjected myself into what I viewed as a forum bullying situation, the...
  23. Bram

    Health care through VA Facilities

    With the latest scandal about the care & conditions in the Walter Reed Medical Center, I am reminded of my longstanding overall impression that VA Hospitals & Clinics, as well as the medical care itself, are often substandard to the medical care & facilities used by the general public. I...
  24. Bram

    Link TV

    Does anyone watch this? (DirecTV satellite channel 375) I just "found" this channel & watched about 2 hours. WOW! Just WOW! :o Bill Moyers spoke @ the National Conference for Media Reform held in Memphis in Jan. 07. C/P from the website LinkTv.net: Their goal? In the very broadest sense, it...
  25. Bram

    Opinions on this portfolio

    I received a multi-page report from my Ameriprise FA today. I'd like some feedback on this scenario: 60 yr old female with a 401(k) valued @ ~ $240K; will not be tapping into for 5 yrs or so Asset allocation: 100% MF; 50% balanced 50% large cap stock Portfolio Performance (past 12 months)...
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