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  1. L

    ER app no longer working

    Tried deleting and redownloading ER app, but still cannot get it to work. Is the app no longer being supported?
  2. L

    Yet another applying for SS post

    Sorry, I tried searching, but couldn’t find relevant threads. Curious the experience of those that have applied for SS if you are already enrolled in Medicare. Planning on applying for SS benefits online. When I read SS webpage they talk about various documents (birth certificate, etc) that...
  3. L

    Contemplating when to get serious about CCRC?

    Obviously you can be an old 65 or a young 80, but at some point CCRC will probably make sense. And the one thing I learned from helping my own aging parents was you don’t want to be behind the curve on this issue. DW and I are still young (relatively speaking mid sixties and in excellent...
  4. L

    How quickly back to normal?

    So given general availability of vaccine by April-June of 2021 time frame what does your crystal ball tell you on how quickly life will return to normal? Economic life return as quickly or will it lag "normal" life? Housing as well?
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    Help with Healthcare.gov website for ACA

    We're moving from a state with its own Exchange for ACA to a state that relies upon the Healthcare.gov site. Are there any issues I should be aware with the Healthcare.gov site? Is it now pretty user friendly? Is submitting estimated MAGI a difficult process? Any help with what to expect...
  6. L

    Curious what others think will happen if ACA is overturned by SCOTUS

    Do you think if SCOTUS rules ACA is unconstitutional there will be chaos immediately or will ACA somehow be phased out? Will some states simply mimic ACA requirements for insurers in their states?
  7. L

    Am I missing something about Medicare costs?

    In the process of signing up DW for Medicare. And we've decided to go with Plan G and separate Drug Coverage. Costs in our state for Part B plus Medigap Plan G and Drug Coverage come to approximately $360 per month (including the $183 one time deductible). With G, after deductible, there are...
  8. L

    Another of those how many "millionaire" posts...

    Though you have to wade through the list one at a time (which is infuriating) it gives a state by state analysis... https://www.kiplinger.com/slideshow/investing/T031-S001-millionaires-in-america-all-50-states-ranked/index.html?cid=62&kwp_0=953388&kwp_4=3384528&kwp_1=1421018
  9. L

    FireCalc question

    Am I correct that there is no way to differentiate between aftertax and pretax funds within FireCalc? Or am I missing something?
  10. L

    Am I alone? Or do others find themselves trying to actively disengage from the news?

    I have always paid attention to the news, both financial and other. However, I find myself getting more and more depressed with each news story. Whether it is the Left hating the Right, or vice versa, or yet another story of wanton violence, or the same conflicting opinions of the same "facts"...
  11. L

    For all you data lovers the FED report on Economic Well Being 2017

    Knock yourselves out...:) https://www.scribd.com/document/381804906/2017-Report-Economic-Well-Being-Us-Households-201805#fullscreen&from_embed
  12. L

    MAGI, ACA and married but one on/one off (Medicare) exchange?

    Curious how premium/subsidies are calculated when married and one person is purchasing on ACA exchange and the other is on Medicare? Also what is procedure when one person goes on Medicare midyear and no longer needs ACA insurance? Remaining person have to reapply as single?
  13. L

    So how crazy am I...

    The State (South Carolina) we're seriously considering for our next move offers only an EPO policy (Exclusive Provider*) in the Individual Health Insurance market. Our exposure until Medicare is (1 year and 3 years). Both in very good health. Very minimal use of Healthcare to date. Still...
  14. L

    Understanding HC costs transitioning to Medicare

    Curious if folks have found their medical/insurance costs have changed significantly (up or down) once on Medicare. In other words, if pre-Medicare you were spending 10% on med/insurance are you spending the same 10% post-Medicare? If it has changed is it predominantly in the insurance cost...
  15. L

    Am I the only one more than a little curious about acquiring...

    ... a Vanuatu passport? Vanuatu accepts bitcoin for citizenship payment - Business Insider
  16. L

    Curious how others handle principal residence...

    ... in calculators like FireCalc and its impact on "allowable" spending. Personally I have not included house value by selling it at some future date as a lump sum payment a la FireCalc. Thus, house becomes a substantial $ amount for margin of error spending in later (much) years. Still, makes...
  17. L

    In the tell us something we don't know category...

    ... though I don't know about you, but I traded a whole lot MORE dollars for my ER free time than the study suggests! "It doesn’t matter whether you’re rich or poor, the new study suggests. If you feel pressed for time, your life satisfaction can be improved by trading money for minutes that...
  18. L

    Anyone experience with an EPO restricted health insurance policy?

    Specifically I am wondering if there is a secondary insurance product that will provide a high deductible coverage for out of EPO network for other states. The point being to have access to specialists outside of state EPO network in the event of an out of the ordinary event, which would...
  19. L

    Be Patriotic. Spend down your assets you hoarders...

    Nothing truly new in this article, but it reinforces many of the conversations had on this board: am I spending enough? https://www.bloomberg.com/news/articles/2017-05-16/rich-retirees-are-hoarding-cash-out-of-fear
  20. L

    Researching quality of Medicare access for a potential move?

    Like the title says, not yet Medicare age, but on the horizon. DW and I are considering relocating in the near term. Realize that we should probably get some level of comfort on the quantity, and quality, of Medicare accepting Healthcare professionals in a potential location. Any...
  21. L

    Nice summary from Ways and Means on proposed changes to ACA released today...

    https://waysandmeans.house.gov/wp-content/uploads/2017/03/03.06.17-Section-by-Section.pdf
  22. L

    Second installment on ACA for those that like to read tea leaves...

    Looks like Price will be Sec. of Health. Here is a link to what Price proposed re: ACA in 2014. Once again, only for information not for discussion. And, again, Mods feel free to delete if inappropriate...
  23. L

    Interesting read on ins and outs of repealing ACA...

    I am posting this link to an LA Times piece NOT FOR THE PURPOSE OF ANY DISCUSSION. Only for FYI on a topic that is of concern to many on the Forum. Ultimately it will be what it will be but I thought the writer provided an interesting road map on the ACA debate. If mods feel it is of a...
  24. L

    My simplistic approach to downside cost of Healthcare Insurance going forward...

    As I figure it, whenever the President and Congress get around to doing whatever they are going to do to the healthcare insurance market, the worst case scenario ought to be basically the unsubsidized cost of a current plan today on the Exchanges. Indeed, ought to get better as I presume if...
  25. L

    Calculating MAGI for Obamacare for married couple where...

    ... one person is Medicare eligible. Does entire MAGI get assigned to single filing person? Not currently relevant but will be in the future. Curious how handled...
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