Credit Card Thieves Targeting You
October 5, 2014 by
Credit card thieves have ingenious ways of stealing your money. These crooks are stealing your money right under your nose. 
A man at a local restaurant paid for his meal with his credit card. The bill for the meal came, he signed it and the waitress folded the receipt and passed the credit card along.
Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person. Credit card thieves trying to steal money right under his nose.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under the watchful eye of the man.
Medicare supplement carriers are ripping you off with your approval. Georgia retirees are overpaying an average of $450 for their Medigap plan. We save our clients that much or more by moving them to a quality carrier that offers the EXACT SAME coverage for a lower price.
We showed one Georgia couple how to save over $1700 per year by changing our their Mutual of Omaha plan F for the exact same coverage.
No loss of coverage. Pocket over $1700 in savings.
Did you know there are over 170 different Medigap plans in Georgia? Shop and compare Medigap plans instantly. Click to save.
All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card. Credit card thieves are stealing thousands each day with this simple trick.
No exchange of words — nothing! She took it and came back to the man with an apology..
Verdict Make sure the credit cards in your wallet are yours.
Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time.
Many people just take back the credit card without even looking at it, ‘assuming’ that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
How Do I Find the Best Medicare Supplement Plan in Georgia?
May 1, 2014 by
Looking for the best Medicare supplement plan in Georgia? Where to start? How much will it cost? How can I save money but still have the best Medigap plan?
The best Medicare supplement plan in Georgia
The best plan is the one that meets your needs and budget. 
All Medigap plans assigned the same letter are identical in every way. Medicare says it. Look it up.
Every way except the premium you pay.
Over half the seniors that have a Medigap plan choose plan F.
Almost 3 out of 4 Georgia seniors buy their coverage from Blue Cross, AARP (United Healthcare) or the “Mutual” company.
Did they get the best Medicare supplement plan in Georgia?
No, they simply followed the crowd.
My mother used to say “If Greg jumped off a cliff would you want to also?”.
Just because your friends bought plan F from a “big name” carrier doesn’t mean it is the right choice for you.
Four things you need to know about Medigap plans
Medicare supplement plan F is the most expensive plan available in Georgia.
Plans offered by the top 3 Medigap carriers in Georgia are some of the most expensive plans.
The more you pay for your plan the more money the carrier and the agent make off your monthly premium.
When you pay more you don’t get more, you simply paid too much.
So where do you start your search for the best Medicare supplement plan in Georgia?
You start where you are right now.
Bob Vineyard and Georgia Medicare Plans have access to over 170 different Medicare plans and rates. That’s a bit overwhelming.
But you don’t have to call insurance carriers or invite agents into your home. We shop the market for you and show you the best Medigap plans available based on your needs and budget.
And you can do this on your time frame, in the comfort of your home.
I don’t have to come to your home. You won’t have to come see me.
How easy is that?
I have been doing this a long time. This is not a hobby or sideline for me. This is the way I earn my living.
Two things happen when I treat you right.
You save money every month (unless you decide to follow the sheep).
We both sleep better at night.
You get to count your money saved rather than counting sheep.
How do you shop for the best plan?
It depends.
Do you want rates fast or faster?
If you want fast rates, complete and submit this request form. I will respond in 24 hours or less. [contact_form]
If you want faster rates, click the image below.
Easy peasy.
Do You Know the Secret to Increasing Your Social Security Check?
September 14, 2013 by
There is a little known secret to increasing your Social Security benefits check. Don’t expect the Social Security office to tell you. If they did it wouldn’t be a secret, would it? 
Actually there are 4 ways to boost your Social Security payments. All very simple and legal.
Add as much as $1000 per month to your monthly benefits.
We can also show you ways to save money on your Medicare supplement premiums. Shop and compare up to 40 plans in 60 seconds. > > > >
Increasing your Social Security Benefits by Beginning Again
What if you could take a Mulligan on your Social Security filing? A do-over. Start all over again and begin immediately collecting more money each month from Social Security.
My guess is no one at Social Security ever mentioned form 521
Out of the 32 million retirees who collect Social Security benefits, Rothenhoefer was one of just 71 people this fiscal year to take advantage of an obscure option that lets you halt your current benefits, pay back all you have collected interest-free, and restart your benefits at a new, higher rate based on your current age.
It’s perfectly legal, says Mark Lassiter, a spokesman for the Social Security Administration. But don’t expect the claims representatives at your local Social Security office or the employees who answer the agency’s toll-free number (800-772-1213) to be familiar with the details.
John Rothenhoefer was 70 years old when he learned the secret about increasing your Social Security benefits with form 521. Using this tactic he increased his monthly check by almost $1000 per month.
Not only does he enjoy the additional money each month, but if his wife survives him she will receive the same amount for the rest of her life.
John Greaney, creator of Retire Early discovered another benefit to the Social Security do-over.
When Greaney took the time to research it last summer, he realized that it was an even better deal than he had first thought. That’s because when you repay your Social Security benefits, you can claim either an itemized deduction or a tax credit (whichever results in bigger savings to you) for the taxes you paid on your benefits in previous years. The calculations are complicated, but you can get all the details in IRS Publication 915, Social Security and Equivalent Railroad Retirement Benefits
You May Qualify for a Tax Refund
You could increase your Social Security benefits PLUS get a tax refund from prior years where you paid taxes on your Social Security benefits.
Two other income-boosting strategies give couples a way to maximize their Social Security benefits. A recent paper by the Center for Retirement Research recommends that the spouse who is eligible for lower benefits collect them early, while the higher-earning spouse delays taking benefits until they are worth more. Then, when the primary breadwinner dies, the spouse with the lower benefit will “step up” to a much higher survivor benefit as the smaller retirement payment drops off.
As they say on TV, but wait, there’s more!
About Those May-December Marriages
Additional benefits for the older man, younger woman.
Older men who are widowers or divorced often get remarried to younger women, and it’s not uncommon for them to start second families. So when these do-over dads start collecting Social Security benefits, they may still have minor children at home. More than 500,000 children currently receive monthly payments based on a parent’s Social Security retirement benefits.
This can apply to women who re-marry as well.
So there you have it. Four secrets to increasing your Social Security benefits without cheating.
And don’t forget to check out your Medigap options. Find affordable Medigap rates with our free, instant quote. We also have rates offline that may be even lower.
Can I Change My Medigap Plan?
July 26, 2013 by
Georgia seniors ask, “Can I change my Medigap plan?”. Which Medicare supplement plan is best? How do I find the best rate for 
Medigap plan F? Instant free quotes. Compare Medigap costs in 60 seconds. PLUS get access to our FREE report showing ALL rates and plans based on your age and zip.
Can I change my Medigap plan?
The short answer is, you are eligible to buy a new plan or change your Medigap plan at any time. Unlike Medicare Advantage plans, there are no annual enrollment periods.
The best time to buy or change your Medigap plan is when you initially sign up for Medicare Part A and B which usually occurs at age 65.
You also have guaranteed issue rights to buy a Medicare supplement plan.
Before asking “Can I change my Medigap plan?” you should compare Medigap costs.
Shop and compare Medigap costs
Ignore the hype. All Medicare supplement plans with the same letter are identical in every way except premium. Click the image below to shop and compare Medigap costs. Instant free quote.
When you pay more you don’t get more, you simply paid too much.
Which Medicare supplement plan is best?
Medicare supplement plans have standardized benefit structures. Once you pick a plan design that fits your needs, the only other consideration is can you find a plan to fit your budget?
How do I find the best rate for Medigap plan F?
The easiest way is to shop and compare online, but you probably will not see the best rates. Many Medigap carriers do not allow their rates to be published online.
How do you know plan F is best for you?
Did you know that almost 70% of Georgia seniors buy Medicare supplement plan F simply because that was the only plan that was explained?
If you wanted to buy a car, and the salesman only showed you 4 wheel drive SUV’s, would you be satisfied?
Most of my clients NEVER buy Medigap plan F. Do you know why?
Bob Vineyard and Georgia Medicare plans have access to rates from some of the lowest cost plans in Georgia. Ask for a personalized Medicare supplement quote.
Final notes
If you have Medigap plan F, you definitely should consider making a change in your Medigap plan.
When you bought your Medigap plan, did you buy from Blue Cross, Mutual of Omaha or United Healthcare (AARP)? If so, you probably are paying too much.
Maybe you bought a Medicare Advantage plan. The low premium seemed like a good idea at the time. The REAL cost of an Advantage plan is how much you pay when you receive medical care.
Advantage plans are great until you use them.
Can I change my Medigap plan?
You decide.
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