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  1. ratface

    Any men here experienced a hydrocele?

    Have what appears to be a hydrocele above the right testicle. As the name implies it is fluid filling one side of the scrotum and causing swelling on that side. It can occur on both sides also. Caused by injury, infection and a host of other causes. I do work out with dumb bells and injury is a...
  2. ratface

    setting up social security account

    Spent a frustrating morning setting up a social security account in preparation for applying for Medicare. After creating a password I had to upload a copy of my drivers license front and back and answer multiple questions. After successful uploading I now must wait 5-10 business days to...
  3. ratface

    Tough dinner conversation with adult live-in daughter

    Just finished a rather unpleasant conversation with my 26 y/o daughter at the dinner table, she got up and tossed her food away and left the table crying. I'm heartbroken. We live in Illinois. Positivity rate is just above 5% and climbing everyday. It's evident things are getting worse. Our...
  4. ratface

    Cobra thru November 2020, and then how to proceed?

    Hi everyone. My Cobra runs out next year 2020 at the end of November when I will be forced on to the ACA marketplace. That will leave me uncovered for the Month of December 2020 since Insurance thru ACA won't begin until January 1st 2021. What makes the most sense to transition seamlessly...
  5. ratface

    Should I create an Individual ACA account for daughter

    I have registered for ACA this year with DW and daughter. I have broken it down to two groups on their site with my wife and I in group 1 and my daughter alone in group two. We would not qualify for subsidies. We will not need ACA this year but my daughter loses insurance thru my private plan at...
  6. ratface

    High Tibial Osteotomy, open wedge?

    Wondering if anyone has had this procedure on their knee. I have bad chondromalacia (arthritis) on my right knee. My surgeon says I'm a good candidate for this procedure the HTO. They cut a wedge of bone out and then graft some hip bone inside the wedge to change the orientation of the weight...
  7. ratface

    "step up in basis" rule

    My question is on the clarification of this federal tax code rule. My understanding is that capital gains tax is forgiven at death for inherited property. "Someone who inherits stock or other property and later sells it is subject to capital gains tax on the difference between what the stock was...
  8. ratface

    Saudi Arabia

    Hi everyone. My son just announced he has a six month gig in Saudi, he mentioned the Red Sea side. No specifics yet. He works in the Oil industry, 24 y/o. I'm concerned about his safety. Can anyone offer any personal insight? BTW I enjoyed reading Meadbh's "A feminist visits Saudi Arabia"...
  9. ratface

    diagnosed with lymphoma

    Well I started my vacation with a routine doctors appt. and he he felt a enlarged lymph node. MRI yesterday. He just called back and said the radiologist thinks it's a lymphoma. Biopsy tomorrow. Had the car all packed to leave on vacation, just went out and unpacked it. Mom died from it at 63...
  10. ratface

    Do I keep the 457b

    I plan to FIRE in February and have a 457B. The Plan is administered by Nationwide. I'm comfortable with the investment options and have been moving stuff around to get to my asset allocation. Since it's a deferred account there is no tax liability when I sell something and move it elseware...
  11. ratface

    Rebalancing into Bonds advice needed

    Having been very much of a chicken for the last five years I have held a cash position. I think most would agree that this is too conservative and advise some balance between equities. So I am embarking on a long term plan to rebalance. As I stated on the thread that Dex started on riding the...
  12. ratface

    non eligibility for HSA confirmation

    I have been reading the HSA threads and it is my conclusion that I will not be eligible upon retirement. I will have emplyee sponsored health care funded at 50%. Therefore this would not be considered a high deductible policy. I know it's probably a stupid question but reading the IRS...
  13. ratface

    Tax Bracket vs. Effective rate

    My tax bracket is 25%. My effective rate is 15%. Wondering how others are stacking up?
  14. ratface

    help importing last years numbers from turbo tax problem

    Hi everyone. Trying to import last years information into this years taxes with turbo tax. It keeps stopping me on every attempt. Last years info is on the harddrive as a PDF. Turbo won't recognize the PDF. It wants a file with a .tax extension. I'm looking at the forms but can't get them...
  15. ratface

    newbie needs your collective wisdom and insight

    Hello to everyone. I found you folks last week and have been reading ever since. What a great place. I have provided my assets and plans in the hopes that you folks will dissect as necessary and offer your collective wisdom. Let me know if anything else is needed for evaluation. Appreciate all...
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