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So if I were to use the Express service, how would I get from Paddington to my hotel? Do you catch the Express train inside of Heathrow? Seems odd that a pre-reserved car service would cost you same as a taxi, but maybe the taxi would be the best choice.

Thanks for the advice. Our hotel is near Victoria Station in London, about a 15 minute walk. As far as using the Tube, we considered it but with 3 suitcases we thought that wasn't going to be a good option. If Taxi's cost about the same as a car service, why would one use the car service...

We are traveling to London Heathrow in June and will have a car service take us to our hotel in London. The service wants to know what time to pick us up. So how long might it take to deplane, get luggage, and go through customs at Heathrow? We have Global Entry from the US if that makes a...

I am considering setting up a SMA for bonds with funds within my IRA. I use Fidelity for my brokerage accounts. The fee is 35 to 40 basis points, depending on the amount invested, which is less than most actively managed mutual funds to my knowledge. I've always felt that active management...

OP here. Maybe I wasn't clear on my original post. First, as it relates to inheritances I understand people with children want to leave them tax free money. We don't care about that. Second, we are taking full advantage of the 12% tax bracket now. Our tax deferred vs taxable accounts are...

It seems like the majority of folks here recommend converting taxable IRA's to Roth's. In our case I haven't found good reasons to do so. We do not have children. Our parents are deceased. Our remaining siblings are all older than us and okay, financially. So our heirs are mostly nieces and...

My DW will be 65 next April (I am already 66) so we can get a multi household discount on a plan G supplement Medicare plan. My current insurer is Aetna and they offer a 7% discount. However, I've seen that UHC - AARP offers a 15% discount, per person. I got a quote from UHC and it only...

I've done that and have the proper strategy - my DW takes SS at 65 and I wait until 70. I'm just questioning the issue of how to pay part B premiums.

My DW will turn 65 next April and will quit her j*b in March. Employer health benefits will last through March and she will begin Medicare on April 1st. She would like to start SS sometime around April too, but can be flexible. Since Medicare part B premiums are taken from SS, will there be a...

OP here. After looking at some IRS pubs, I think I found that there are no requirements for income to contribute to an HSA, like that for an IRA. If true, my question is moot. Sorry for the confusion.

In 2022, my DW is planning to quit her job. We are looking at the most opportune time - tax wise. If she were to earn $8,000 in gross income, and contribute the max to an HSA ($4,650 for single HDHP coverage) via payroll deduction, could I still make a maximum spousal Roth IRA contribution of...

My wife plans to retire at the beginning of next year and take SS (just of couple of months before age 64). Her earnings this year will certainly be high enough to be counted in her 35 highest earning years for purposes of calculating her SS monthly benefit. But the SSA will not have her...

Sure, the builder is doing this mostly for cash flow. It's also another way for the builder to ensure the buyer isn't going to flake out of the contract near closing. Of course they say it's for the benefit of the cash buyer.

Unfortunately, the builder's contract is full of clauses limiting the builder's liability. It states that every effort will be made to correct issues prior to closing, however the issues may not change the closing date.

I recently contracted to purchase a new-build home with a very large national builder. They have a prepayment option that allows me to pay from $50,000 up to about 95% of the final home cost. If I make that prepayment 120 days or more prior to closing, the builder gives me a credit of 1.5% of...

Doesn't seem right that two people pay the same price as one.

What I still don't understand is what happens when only one of the two married people filing a joint tax return needs the ACA insurance. Does only one person still pay 8.5% of MAGI, whereas if both parties needed the insurance it would still be 8.5%?

I have the same question. Seems like trusts are the big thing now, and I don't really understand the benefit if financial assets have beneficiary designations and real property is titled in both spouses names. Looking forward to the knowledgeable folks here sharing their thoughts.

I think I understand the details of all of the plans. I just don't know why MA plans are not as popular as Medicare Supplement plans. So I heard one reason, and that is for those that use a lot of healthcare. In that case being able to go anywhere that accepts Medicare has value. And plan G...

I don't understand this statement, can you explain further?

Since I will turn 65 next year, I'm paying more attention to the Medicare ads and the mail/email I am receiving. One thing I don't understand is why nearly every ad I see is for Medicare Advantage and very little for Medicare supplement plans. Is MA so much more profitable for insurance...

As I understand from my insurance company that will still restart the deductible, but that's a possibility that I will check on.

I have seen some threads on this topic before and there seemed to be some difficulties with the transition, so I am researching in advance for next year. I will be eligible for Medicare in September, 2021. My DW will not be 65 until 2023. I have spoken to both my current HI company and the...

Fidelity for me - 100%. Their private client customer service has been outstanding for me. These days most customer service departments are a joke (thinking health insurance company and cable). That said, my SIL who doesn't qualify for the higher service level, does not like FIDO after I...

Only saw one example in a grocery store. The female customer did not have a mask (they are required here by the county and by the grocer), so the checkout clerk told her that she needed a mask. The customer went postal, and the clerk told her she was being rude. An older gentlemen was close...