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I could not have retired at age 60 (year 2015) without the ACA. My company was paying $3.200 a month (Me. wife and son). I know how much the premiums were (UHC) because i approved the invoice before it was paid. It offered excellent coverage but I could never afford that amount if I took COBRA...

This is why I love this site. I learned so much that it has guided me throughout my retirement.

NYsaves529 plan finally has a "Direct rollover out to Roth" form, Just saw it come out in their website today. Direct rollover must be done thru the 529 Plan to the beneficiary's Roth custodian. Last week I called, they did not have this form. They must have received the IRS guideline. FYI

The basic rules are clear enough. ie. must be opened for 15 years plus, limit of $35 thou lifetime, must not be over the IRA limits, have earned income equal to rollover etc etc. Most of us know that already but what I wanted to know is how to do the transfer. My son still has about $60 thousand...

Happy Thanksgiving to everyone! This forum has helped me a lot and gave me the knowledge and courage to make me take the step to early retirement. Retired effective Dec,31.2015, going 8 years and still loving it and never regretted it for one bit.

easiest basic withdrawal calculator I use. Just need very basic info and will show how many years your money will last. https://www.moneyhelpcenter.com/credit-debt/calculate/long-will-money-last-systematic-withdrawals/#results

I have been with Schwab for over 35 years. at the time when I only had about $7,000 to invest, other brokers ignored or told me to go somehwere else. Only schwab was willing to set up an account with them with small amount. I met with an advisor, gave me advice without rushing me then even...

After reading this thread, I checked if I could get a PIN with my chase credit card. All I did was call the Chase PIN request phone# at 800 297 4970 ang just followed the instruction and a temporary PIN number will be mailed to me and I can change it anytime to my own number. I was in Portugal...

Thank you for all the answers. They have been very helpful. I think I should go to terminal 1 since Air France fly on that terminal. I can check in 24 hours before the flight on line but I am concerned if I check in with Delta (where I booked the ticket) their App shows my wife has no seat...

Hello everyone. anyone have exprience on a code share flight?. I booked at delta for me and my wife to Italy (Delta one). after selecting seats and payment, we received email confirmation from Delta. It was booked with delta, the plane is Air France. However. I have my seat assignemnt in the...

Yes, go to a opthamologist not to an optometrist. My opthamologist will be doing my surgery soon. Maedicare part B covers cataract surgery but not Lasik surgery.

I also have a hard time driving at night. If its a two way street and a car approaches on the other side with its lights on, it blinds me and the street seems to be in total darkness. I only drive at night , if nescessary, with my wife so she can help me. My eye doctor (an Opthomologist) says it...

cOST ME $2,800 for extraction, bonegraft and putting implant by the oral surgeon on ONE tooth. The dentist who put on the crown for the one tooth charged me $1,780. so overall cost for ONE tooth upon competion cane to $4,580. crazy!

I had the same opinion. The word "generally" can always be manipulated.

The Portugese are the friendliest people of all the countries I have travelled. We walk at all hours even after midnight and we always felt safe. very easy to go around

In Spain, stay in Barcelona.(easy to get to Morocco from here) Lots of places to see. Its a vibrant city and you can choose to take day trips to Monserrat, Sitges, Girona, costa Brava. El Born and L'example are great neigborhoods but avoid EL Raval neighborhood. Its a little Sketchy. In...

Issue finally solved! Thanks for the advice that I should try to call Air France. All my booking were there and they gave us all our seat assignments and confirmation number. yohoo! Delta for some reason, even thought booked thru their website, had no idea what to do and could't help us. Air...

Its really been stressful. almost $9T paid in total and can't even get an answer if we have a seat or not or of my wife is on "stand by". needed to book delta one since wife has bad knees and will be hard on her in tight spaces sitting down.

Thank you for your replies. I always booked delta and never had any problems till now. what's frustrating is when they tell you they don't know or could not do anything. I will try to call Air France too and see if they have my flight on thier records since most of our flights are Air France...

Hello all. Wishing everyone had a great New Year. My wife and I decided to take a trip to Florence Italy and decided to splurge a little (since we might be able to travel after this due to health reasons) and booked Delta One tickets for two with Delta Airlines, selected our seats and paid...

As was mentioned, Sometimes WE pay, sometimes THEY pay...so no one is taking advantage of the other. "Sucking it up" means you pay ALL the time and the other party just joins and not contributing to anything. I believe a real friend does not treat everything friends do together as a business...

Totally agree. My wife and I are the same. sometimes we split the check evenly, sometimes we pay it all, sometimes our friends pay it all, if our friends pay the bill, we offer to pay the tip and vice versa. We cannot imagine losing our friendship and spending a good time being together just for...

The only ones I really listened to at CNBC were the late Mark Haines and Ron Insana. Also when Becky Quick interviews Warren Buffet. The rest I watch for entertainment and not to find investment advice.

Not a tax expert but I believe your wife will not be eligible for the ACA premium tax credits if she files "married filing separately" based on IRS rules. I'm in the same boat, on Medicare but wife will take another 3 years to qualify for medicare and is still on ACA for her heatlh insurance...

I got hit by another car while I was parked. The other driver's insurance was 100% liable but my mistake was calling my insurance company and reported it even though they never paid for any damages (stupid move on my part). 3 months later my son rear ended another vehicle during a snowstorm...