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Forum: Travel Information 11-15-2013, 01:51 PM
Replies: 4,221
Views: 308,087
Posted By GLM
Gathering items now for our departure for Italy ,...

Gathering items now for our departure for Italy , Greece and Turkey next week.

When we return I'll go with DH for a few days to Florida while he does some consulting .

For the holidays DD and...
Forum: Health and Early Retirement 11-14-2013, 10:00 AM
Replies: 50
Views: 3,163
Posted By GLM
DH & Myself ages 57 & 55. In March 2013...

DH & Myself ages 57 & 55.

In March 2013 continuing meagcorp Cobra ( POS- 5k OOPM, 2.5 k individual deductibles , HSA with pervenative care and no lifetime cap) would have been about $760 /month...
Forum: Other topics 11-13-2013, 08:28 PM
Replies: 23
Views: 2,027
Posted By GLM
Walt "Of course I do make sure she has a supply...

Walt "Of course I do make sure she has a supply of chocolate when needed."


Now that I like!

Seriously earlier this year when DH left megacorp for part time consulting I had to warn him...
Forum: Health and Early Retirement 11-08-2013, 11:58 AM
Replies: 52
Views: 6,898
Posted By GLM
Good to know - DH left full time employ in...

Good to know - DH left full time employ in February and is now working part time as a consultant. (much lower stress) Our Magi in 2014 will be 20-25% of what it was in 2012. Hopefully our...
Forum: Other topics 11-07-2013, 06:08 PM
Replies: 13
Views: 848
Posted By GLM
After all the destruction, (great if you have...

After all the destruction, (great if you have frustrations you want to t out ) you have some really good magnets!
Forum: Health and Early Retirement 11-06-2013, 08:32 PM
Replies: 52
Views: 6,898
Posted By GLM
tried reading the IRS instructions for the HSA...

tried reading the IRS instructions for the HSA deduction ( 8889) too late tonight - not sinking in but I did find this on when both Spouses are HSA elligible that reinforces the extra $1000...
Forum: Health and Early Retirement 11-06-2013, 07:09 PM
Replies: 52
Views: 6,898
Posted By GLM
I also think that if both of you are over 55 and...

I also think that if both of you are over 55 and have seperate HSA's you can shelter and extra $1000. from the link below

"If both spouses are 55 and older, can both spouses make “catch-up”...
Forum: Health and Early Retirement 11-04-2013, 04:24 PM
Replies: 49
Views: 5,670
Posted By GLM
Good synopsis of what I have been learning about...

Good synopsis of what I have been learning about financial implications of the PPACA .

I do however think that regular Ira contributions do not need to be added back to the AGI for the MAGI...
Forum: Health and Early Retirement 11-04-2013, 02:58 PM
Replies: 205
Views: 21,890
Posted By GLM
47 Percent - Glad to hear am wrong , thanks for...

47 Percent - Glad to hear am wrong , thanks for the catch. I thought I put enough qualifiers (generally, most ) on it as I was only speaking from my experience. It was late and I should have added...
Forum: Health and Early Retirement 11-02-2013, 08:41 PM
Replies: 205
Views: 21,890
Posted By GLM
I learned about this when we switched from mega...

I learned about this when we switched from mega corp coverage to the individual market. Unlike most employer coverage, individual coverage (which is what is in the ACA market place) generally have...
Forum: Health and Early Retirement 11-02-2013, 12:30 PM
Replies: 205
Views: 21,890
Posted By GLM
Thank you ! Very useful spreadsheet !...

Thank you !


Very useful spreadsheet ! I'll set this up for the plans I am considering and will just need to consider the tax savings if a plan is HSA compatible .

BTW some were wondering...
Forum: Health and Early Retirement 10-30-2013, 09:24 AM
Replies: 205
Views: 21,890
Posted By GLM
Thanks all ! Michael B the link was useful .I now...

Thanks all ! Michael B the link was useful .I now think I clearly get that copay and coinsurance are different things that may or may not overlap. I have not had a copay in years - from before...
Forum: Health and Early Retirement 10-29-2013, 08:24 PM
Replies: 205
Views: 21,890
Posted By GLM
Ok going to ask a basic question this general...

Ok going to ask a basic question this general conversation has me wondering about. When a plan has a co-pay for a doctor visit of say $35, what does that mean? Say I get a bad lung infection and end...
Forum: FIRE and Money 10-27-2013, 11:22 AM
Replies: 26
Views: 3,489
Posted By GLM
Wow, good observation on the Schwab calculator! ...

Wow, good observation on the Schwab calculator!

I don't normally run the Schwab calculator and had not noticed it was a new one . I don't rely on it for me as it does not allow the detailed...
Forum: Health and Early Retirement 10-24-2013, 09:20 AM
Replies: 48
Views: 3,495
Posted By GLM
I was actually planning on starting over with a...

I was actually planning on starting over with a new account when I get back to a secure connection. I am out of town this week and relying on hotel internet. The account I am having issues with is...
Forum: Health and Early Retirement 10-23-2013, 06:18 PM
Replies: 48
Views: 3,495
Posted By GLM
update - Still trying to get ID verified. ...

update -
Still trying to get ID verified.

I scanned driver's licence Oct 6. No response in a week , chat online revealed I needed to ad ID # to the scan .
Scanned it again on the 13th ...
Forum: Health and Early Retirement 10-19-2013, 01:58 PM
Replies: 611
Views: 46,804
Posted By GLM
Good for you mpeirce! I must admit I am a bit...

Good for you mpeirce! I must admit I am a bit jealous.

Hoping Golden Rule (AKA United Healthcare ) would send us a letter like yours . As it is our policy is up Feb 1 2014 . About a month ago...
Forum: Other topics 10-18-2013, 07:35 PM
Replies: 27
Views: 1,714
Posted By GLM
Well if I only need to plan for 19 years not 45,...

Well if I only need to plan for 19 years not 45, our withdrawal rate will go up. Time to party!
Forum: Health and Early Retirement 10-15-2013, 09:34 AM
Replies: 611
Views: 46,804
Posted By GLM
Although it will make things more difficult for...

Although it will make things more difficult for us . (Our 2014 MAGI will be a fraction of our 2012 MAGI- so we will have to wait for reimbursement or jump through hoops to verify.) I understand and...
Forum: Health and Early Retirement 10-13-2013, 01:15 PM
Replies: 611
Views: 46,804
Posted By GLM
not sure where to put this . I was able to...

not sure where to put this .

I was able to submit an application a week ago but am working on Identity verification . (Divers licence scan ) I heard nothing all week. So today I went through...
Forum: Other topics 10-09-2013, 01:56 PM
Replies: 90
Views: 5,027
Posted By GLM
None of my jobs were demeaning but I greatly...

None of my jobs were demeaning but I greatly disliked working the counter at McDonald's. I could never get myself to suggestive sell. " Would you like fries with that ? " Makes me cringe to this...
Forum: Health and Early Retirement 10-06-2013, 04:58 PM
Replies: 611
Views: 46,804
Posted By GLM
Interesting ! If I ever get into the system I...

Interesting ! If I ever get into the system I will be sure to check what my second lowest silver plan costs .
Forum: FIRE and Money 10-05-2013, 05:58 PM
Replies: 8
Views: 1,003
Posted By GLM
Yep, I had problems last week. Very frustrating.

Yep, I had problems last week. Very frustrating.
Forum: Health and Early Retirement 10-05-2013, 09:19 AM
Replies: 8
Views: 1,042
Posted By GLM
Cool ! Thanks for the information- I had no idea...

Cool ! Thanks for the information- I had no idea it was an option to delay . I will look and my options and keep Coventry in mind ! (If I can ever get into the ^%$# marketplace)
Forum: Health and Early Retirement 10-05-2013, 07:28 AM
Replies: 8
Views: 1,042
Posted By GLM
Can you ? I was under the impression that an...

Can you ? I was under the impression that an insurance company can no longer discriminate (underwrite) due to preexisting conditions....
Showing results 1 to 25 of 103

 
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