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Search: Posts Made By: John Galt III
Forum: Health and Early Retirement 12-16-2014, 11:47 AM
Replies: 34
Views: 835
Posted By John Galt III
Well, when I submitted my ACA application in Fall...

Well, when I submitted my ACA application in Fall 2013, I estimated 16,000 ($15,8xx was 138 % of 2013 FPL) for my 2014 income, and the website accepted 16,000 as enough to avoid Medicaid. But when...
Forum: Health and Early Retirement 12-15-2014, 05:27 PM
Replies: 34
Views: 835
Posted By John Galt III
I'm glad you mentioned that, Refresher. From...

I'm glad you mentioned that, Refresher. From what I've read online, I understood that $15,xxx ($15,856) was the number you need to get over for your 2014 income, in order to avoid Medicaid. And I...
Forum: Health and Early Retirement 12-15-2014, 04:25 PM
Replies: 7
Views: 277
Posted By John Galt III
Even though I enrolled on 12/12/2014, three days...

Even though I enrolled on 12/12/2014, three days ahead of the supposed deadline, I just got a bill from my health ins co, for Jan, 2015, that doesn't acknowledge my new enrollment, and new, higher...
Forum: Health and Early Retirement 12-15-2014, 11:53 AM
Replies: 7
Views: 277
Posted By John Galt III
Enrolled 3 days ago in ACA, no email confirmation yet

Hi, I enrolled "successfully" in the ACA this past Friday, online, got the successful message on the screen, and my premium subsidy amount, and a reminder that the first premium must be paid to...
Forum: FIRE and Money 12-13-2014, 01:44 PM
Replies: 138
Views: 7,338
Posted By John Galt III
The October "media panic" got me. I sold some ...

The October "media panic" got me. I sold some equities back in October. This time I will be in the "do nothing" camp.
Forum: Health and Early Retirement 12-11-2014, 03:03 PM
Replies: 34
Views: 835
Posted By John Galt III
Yes, that's what I had planned to do. Now my...

Yes, that's what I had planned to do. Now my problem is that nobody wants to confirm that the Roth conversion will be considered income. Seems pretty straightforward to me. I went to the local IRS...
Forum: Health and Early Retirement 12-11-2014, 12:25 PM
Replies: 34
Views: 835
Posted By John Galt III
Thanks for all the replies! I talked to my...

Thanks for all the replies! I talked to my credit union and they say I can open a new Roth, take a distribution from one or more of my trad IRA's, fund the Roth with the distribution. They say that...
Forum: Other topics 12-11-2014, 11:37 AM
Replies: 1,965
Views: 104,079
Posted By John Galt III
Found a Philip Roth book I hadn't yet read. "The...

Found a Philip Roth book I hadn't yet read. "The Human Stain". About a 71 year old college professor having an affair with a female janitor who works at the college. So far so good. I'm a quarter...
Forum: Health and Early Retirement 12-11-2014, 08:20 AM
Replies: 34
Views: 835
Posted By John Galt III
Jim, I do mean 2014 income. I am currently...

Jim,

I do mean 2014 income. I am currently on a 2014 ACA policy, heavily subsidized due to the low estimated 2014 income I supplied when I applied. But... my 2014 income so far is below the...
Forum: Health and Early Retirement 12-10-2014, 10:14 AM
Replies: 34
Views: 835
Posted By John Galt III
Deadline for voluntary IRA distribution for 2014 MAGI for ACA purposes

Not having much luck googling this.

I want to do either a Roth conversion of a traditional IRA, or just a plain voluntary distribution of a traditional IRA, to bring my 2014 MAGI income up...
Forum: Health and Early Retirement 12-09-2014, 12:54 PM
Replies: 30
Views: 1,862
Posted By John Galt III
Just curious about people's experiences with the...

Just curious about people's experiences with the 800 number for the federal version of ACA this year. Are they knowledgeable? Better than last year? If you just want some accurate info, do they...
Forum: Health and Early Retirement 12-09-2014, 12:29 PM
Replies: 35
Views: 1,827
Posted By John Galt III
My eligibility statement says I need to provide...

My eligibility statement says I need to provide 2015 income proof, but when I go to the form to upload documents and click on "verify" it talks about 2014 income.

I plan to mail them my 2013 ...
Forum: Health and Early Retirement 12-08-2014, 03:24 PM
Replies: 30
Views: 1,862
Posted By John Galt III
I got a message telling me I must provide...

I got a message telling me I must provide documentation of income for 2015. About 30 % of my 2015 income I plan on getting from a distribution from an IRA, which I included in the application as...
Forum: Other topics 12-07-2014, 10:01 AM
Replies: 1,965
Views: 104,079
Posted By John Galt III
No, I am not familiar with Maxwell or Kennedy....

No, I am not familiar with Maxwell or Kennedy. Thanks for the suggestions. I will check them out!
Forum: Other topics 12-06-2014, 01:39 PM
Replies: 1,965
Views: 104,079
Posted By John Galt III
"A Prayer for Owen Meany" by John Irving. I liked...

"A Prayer for Owen Meany" by John Irving. I liked it OK. It helped pass the time. I'm still searching for a replacement author for Philip Roth and John Updike. The search continues. Also reading a...
Forum: Other topics 12-06-2014, 01:17 PM
Replies: 25
Views: 506
Posted By John Galt III
I have the FM radio on a classical station. Very...

I have the FM radio on a classical station. Very few commercials. The lack of commercials appeals to me even more than the classical music, possibly.
Forum: Health and Early Retirement 12-06-2014, 12:01 PM
Replies: 158
Views: 8,755
Posted By John Galt III
The unsubsidized monthly premium went up from...

The unsubsidized monthly premium went up from $380 to $480 per month for my ACA PPO, but HC.gov site tells me my subsidy also went up $100 per mo, :) so I will probably stick with the same PPO...
Forum: Health and Early Retirement 12-06-2014, 10:25 AM
Replies: 29
Views: 992
Posted By John Galt III
Success story here! In retirement my sleep is...

Success story here! In retirement my sleep is much better than when w*rking. When working, I had the stress and the weird hours causing insomnia, which caused more stress, which caused more insomnia,...
Forum: Life after FIRE 12-04-2014, 09:17 AM
Replies: 45
Views: 1,729
Posted By John Galt III
Hmmmm.... At my recycling center they take...

Hmmmm.... At my recycling center they take hardcover books. They have separate bins for paperback and hardcover. ??? In the hardcover bin there are always lots of new-looking textbooks on all...
Forum: FIRE and Money 11-26-2014, 11:22 AM
Replies: 80
Views: 5,343
Posted By John Galt III
MY <$40 pleasure happens when my local beer...

MY <$40 pleasure happens when my local beer distributor puts the craft beer on sale, for various reasons. Sometimes it is just getting old and there is some rule about selling old beer (maybe...
Forum: FIRE and Money 11-26-2014, 10:40 AM
Replies: 33
Views: 1,726
Posted By John Galt III
OK, I will admit to panicking somewhat. :eek: I...

OK, I will admit to panicking somewhat. :eek: I thought I had to "do something". All that talk about the S and P and the moving 200 day average is what worked on me. Convinced that the bottom was...
Forum: Health and Early Retirement 11-23-2014, 02:13 PM
Replies: 18
Views: 890
Posted By John Galt III
Good to hear so many positive replies! ...

Good to hear so many positive replies!

What spooked me was the time I had a basic blood test done, using my current insurance. They refused to pay for a $6 charge for phlebotomy (the actual...
Forum: Health and Early Retirement 11-23-2014, 11:11 AM
Replies: 18
Views: 890
Posted By John Galt III
Did you ever reach your OOP Max? What Happened then?

I'm deciding which HI plan to choose for my 2015 ACA policy. I'm currently considering a plan that has a $100 deductible, 10% coinsurance and a max out of pocket (OOP) of $500. (Five Hundred)...
Forum: Health and Early Retirement 11-21-2014, 09:10 AM
Replies: 27
Views: 858
Posted By John Galt III
I'm with my current PCP because my former PCP...

I'm with my current PCP because my former PCP left the practice for reasons unknown to me. I liked my former PCP. I decided to give the new PCP a chance. So far so good. I think it can be very...
Forum: Health and Early Retirement 11-20-2014, 09:01 AM
Replies: 3
Views: 261
Posted By John Galt III
Thanks for the replies. The only website...

Thanks for the replies.

The only website I've found that has personal reviews of the ins cos is insurance.freeadvice.com. Of course most of the satisfied consumers don't add their input to the...
Showing results 1 to 25 of 607

 
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