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Chapala.com Webboard


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    Morelia, Michoacan
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    hiking, traveling in Mexico

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bostonfrog2012's Achievements


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  1. Thanks for the links Bisbee Gal. I will contact both. I think that Ojo del Lago might be a better option as it's a magazine with colored jpegs online that stand out a little more, even if the ad costs more.
  2. Yes I would not use Airbnb nor do I trust them. They take 0 responsibility for what happens to your house. I have read horror stories in the English press about renters' nightmare scenarios using them. I understand that short term rentals could be problematic. There are so many details that I'd have to work out first. Is there no section of Chapala.com where you can list a house for sale, even it means paying for the ad? Thanks.
  3. I own a house to either rent or sell, but it's in Pátzcuaro, Michoacán, not lakeside. What is the policy regarding posting an ad like this in 2021? Is there another part of the Chapala.com webboard where I can post this, even if requires paying for the ad? I have no issue with that. Secondly, outside of going through the realtors on this site, am I permitted to ask about an apartment or house that someone has for rent in the Ajijic area? I won't say or ask much here as I don't what the policy is. Thanks! Hope message isn't blocked. It isn't an ad! I just need info. Michel
  4. Ok, RickS, apology accepted and thanks for understanding what I was complaining about.
  5. Yes maybe, CHILLIN. It is all hypothetical in the end, as we will never know what FDR would have done with the seniors living to 85 or 90 and now only 3 people paying into the social security system for each recipient versus 16 to 1 recipient paying into it in the 50s. It is a scary mess, and the poor millenials who will end up working in mostly gig jobs with no benefits or retirement plans and reduced SSA benefits. I don't know if you are aware that younger workers now receive statements from the SSA that tell them that the SSA will pay them 77 cents for every dollar in benefits starting in 2030, thus they'll effectively pay them 23% less. I don't think that new this law will affect those of us who are over 60 but things could change. Maybe they ought to raise the percentage paid out in FICA. It is anyone's guess what they can do. I still work part-time because I don't know what to expect.
  6. I, too, don't know about this verification code. I have a Capital One 360 account but rarely call them. I only called Customer Service a few times in June 2017. But as for going online, I have never been asked for one. I hope it doesn't become a new trend, as I don't have a US cell phone number either. I tried to make a large transfer out of Bank of America online 2 years back but was told that without a real US cell phone number tied to a US address (not a virtual one created via an app), they would not approve withdrawing the funds. It had to be one of these companies: Verizon, T-Mobile or AT&T USA only.
  7. Yes, that was a good way of responding to what gringohombre said. For one thing, if you aren't Mexican, you should not be criticizing the President, unless you are now a Mexican citizen. I am a permanent resident here but I only make very limited comments to individuals about Mexican politics -- I don't broadcast anything. I am happy to be here. All I will allow myself to say is that I don't think AMLO is another Chavez. I don't think that the forum should allow foreigners to post criticisms of the country's current president. I never made comments about Peña Nieto. Secondly, if you are American and receiving Social Security, you might be thankful for that rather than putting down "socialist" values. I wonder if anyone today would have done what FDR did for Americans back then by at least introducing Social Security? BTW, I don't adhere to either party, but would any politician alive today have offered us Medicare or Social Security if it didn't already exist? Not likely.
  8. I am sorry that this was the kind of response to have gotten from you RickS -- sarcastic rather than helpful. When I expressed "being sorry", it has nothing to do with receiving that federal money for which I am actually very grateful, contrary to your disparaging comment that was totally out of context! It has to do with the federal office that handles these benefits, and I know that things aren't easy for the SSA now, what with a partial shutdown, more and more beneficiaries and fewer people paying into the system. It has to do with the confusion about whether I am actually opted out of Part B or not, as one office sends me 1 thing, and another something different (opted out approved), and a 3rd letter offers me to apply for Part B. Look at all the other people who have posted about their issues with SSA, and I am sure they too are grateful to have it.
  9. I found an earlier topic from October of 2018 about people having problems with SSA. After waiting 80 minutes on the phone with SSA to ask them why I had received a smaller amount in November than before, they told me that Medicare Part B was automatically deducted as I was about to turn 65. I told them I had no intention of using US health care again. So she said, fill out an SSA form to Opt Out of Medicare B and send it. I forwarded a filled in PDF, sent it to the Federal Benefits Unit of our Embassy via email, and they told me that it would be canceled but would only take effect in 2019, and that I had to pay for it through 2018. Thanks for that. An SSA office in Baltimore mailed me a letter to confirm that I had opted out Part B and would receive the full amount, but my local SSA in Massachusetts sent me a letter that Medicare Part B would be deducted forever. Yesterday, a different letter came from Baltimore, asking if I would like to apply for Part B! (even though I was told the deduction was automatic unless otherwise instructed). The left hand doesn't know what the right hand is doing. I am really sorry that I partially depend on income from this US government institution. Very depressing. Any thoughts? Thanks. Michel https://www.chapala.com/webboard/index.php?/topic/80755-social-security-issues/&tab=comments#comment-594016
  10. Yeah exactly, maybe back in the 50s and 60s. Try contacting a US senator or congressman in 2018 on anything, and see where it gets you! haha. You had better be very rich or influential if you hope to get a quick response (or any).
  11. I have lived here some 14 years and became a permanent resident in 2015. On a previous post, someone mentioned that they couldn't get IMSS (gov't health coverage) for their mother in a long-term care facility. If you are a resident here, even one who is on 1 year or more visa (I don't think they are referred to as an FM3 anymore), you ARE eligible for IMSS or even Seguro Popular. An older friend of mine who lived in Guadalajara on an FM3 year to year had IMSS and got all of its services (and free medication). Of course, it's very bureaucratic and can involve long waits, including long waits for a surgical procedure that is not considered life threatening, but the system is more or less quite functional and has good doctors. For those of you unacquainted with the Mexican medical system, doctors from IMSS and ISSTE (for federal employees only) are permitted to perform surgeries at private hospitals such as at Hospital del Carmen (part of the grupo Los Angeles hospitals), Puerta de Hierro (the fanciest hospital in GDL) or at hospitals belonging the Star Médica group. So you could be operated on at a private hospital and still have an IMSS or ISSTE affiliated doctor, or even one from the public Hospital Civil in Guadalajara, which is for anyone to use but primarily used by those with the free Seguro Popular. On a tangential note, one of my Mexican friend's sisters got treated better and more quickly at the nuevo Hospital Civil in Guadalajara than at IMSS. She did pay something out of pocket for the consult but found it more efficient than going through IMSS. But then again, she is in her late 40s, mobile and not in a nursing home.
  12. Yes, exactly, the fbu.guadalajara.ssa.gov is an email address. Two years back when I had some issues with SSA about identifying who I was legally and denied receiving benefits, I scheduled an appointment with them via that email address, and I was seen a few days later at the US consulate in GDL. It is NOT an embassy! And besides, SSA issues are handled by American consulates, not embassies (or a consular division of the embassy). When you enter the consulate, they give you a number and you enter a closed booth where a Social Security rep talks to you. He or she is in direct contact with your local SSA office in the States. They can call or email them while you are there. They resolved the situation and I received a letter of approval from the SSA. I don't understand this last one. You wouldn't go through your senator to coax SSA into doing something. It's not as though a regular American citizen can get special help from a gov't official to speed up the process! At least not here in Mexico. You'd have contact the FBU for any issues or stop in payments.
  13. I am not sure this is quite the right forum to put this question, but I had seen others post questions regarding Social Security. The problem has to with earning any money abroad that exceeds 45 hours a month (irrespective of how much you earn per hour, as that's not important under the rule). But if you are under FULL retirement age (which is now 67 and no longer 65), you are subject to what is called the Foreign Work Test that means you may not work for more than 45 hours a month as an independent contractor outside of the US and also get SSA benefits. You can, however, once you've reached 67. I am four months shy of 65 and started receiving reduced SSA benefits at age 63. I have permanent residency status in Mexico with a CURP and RFC #. And I've been offered an online teaching job out of the UK which I would like to accept. I am leery about having the salary deposited to a US account because of the prying eyes of the IRS/SSA. I am not one to be a tax evader and dread the thought of having benefits cut permanently for defying this arcane SSA rule! However, it has been suggested to me that I might consider opening a Mexican account to have this money deposited. I have procrastinated about opening one, and it certainly isn't difficult. They´ll require proof of residence (now in Michoacán where I own a house), my residency permit, CURP and probably my RFC. They won't require a US social security number. Of course, the US gov't could, if it really wanted, track me down. Do any of you in the Chapala, Ajijic or Jocotepec area do freelance work and are under 67? This issue has worried me for a few weeks now. I don't want to lose the SSA benefits but I will also get a lifetime annuity from my former employer at 65 or 66. But I could use this extra income for at least a year or two, especially since I just had an orthopedic accident that cost me $5,800 in hospital costs here. Sorry for this long message, but I thought the Chapala forum would be the best place to find retired Americans who have experience with this, or give me a contact (free or paid) who could advise me on ways to get around this rule. I would like to attach a PDF from the SSA but that file type is not allowed here. Thanks in advance!! Michel
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