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Thank you, PB4uski. Our healthcare premiums, being our largest monthly bill, are the main reason I'm considering this part time endeavor. I thought if there was a way to write off some of the cost, 3 days a month would be worth it. I had not factored in the malpractice costs, so thank you for...

Sorry if this has been addressed before; I did a search though old threads but could't find my exact situation. I retired December 2014 and have truly enjoyed my first year of retirement (well, except for watching my portfolio struggle). About 2 weeks ago an opportunity presented itself through...

Sorry, I had not meant to insinuate I was comparing the two. You can't compare a Bronze HDHP to an employer HDHP. They are two totally different animals.

Don't get me wrong, I am very, VERY, grateful the United States has finally some semblance of a health care program that doesn't punish/deny people insurance coverage for cancer, diabetes, heart disease, or any other diagnosis to no fault of their own. It's a start, and something that should...

Our deductible is $10K, out of pocket is $13,900. It's a Bronze HDHP, and it's awful. Nothing even close to what we had with our employer policy. And why? It's the same hospitals, same doctors, same everything. Ugh, makes me absolutely crazy. We no longer have a health care plan, all we have is...

We have had ACA insurance for 6 months this year since we didn't opt for Cobra or have employer medical after DH retired in May. It is a HDHP w/HSA. I opened an HSA account and deposited the full contribution for both of us, plus the additional $1,000 catch up if over 55. Since our HSA-eligible...

That's exactly what the agent said, weigh the cost share against the tax savings. After some calculations, he felt we would come out ahead with an HSA. But that's factoring in we don't use much healthcare (at the moment).

Yeah, I had no clue at all. Thought I had done all my homework, so was really surprised. The agent recommended we go with an HSA plan since DH is Medicare age in a few years, and we can use the HSA funds for Medicare premiums. And we are both healthy, didn't require any clinic visits last year...

Just thought I'd share our latest experience with the ACA, just in case one/some of you weren't aware of this "gotcha." After going to the ACA website checking out the few remaining plans (PPO's have all disappeared in Utah), I calculated our 2016 income which qualified us for a Silver...

Retired - Yes Age - 58 Started seriously thinking about retirement in my mid-40's when I realized I could no longer lift/move/transfer 400+ pound patients (more common than you think!). Grew weary of working graveyard shifts, swing shifts, every holiday, every weekend...just the physical...

Francis - I, too, have worked in healthcare most of my career and saw the dramatic changes you describe, with the last 5 years seeing the most dramatic changes and dangerous workloads I couldn't ever imagine. Upper management consists of people who have never worked a day in the clinical...

After 20 years at the megahospital, December 31st was my last day. About a week before the 31st, my manager asked what I wanted for the usual retirement fare: cake or cookies; I opted for cake. When the 31st arrived, a few of my close colleagues took me out to lunch. Then I packed up my personal...

Paid holiday? What's that?!? In my world the only way I get paid for a holiday is if I get assigned to WORK on that holiday.

December 31st, 2014 for me, only 6 more days of work. I am already feeling the euphoria!

One of my former colleagues jokingly said this very same phrase several months ago, which was overheard by a coworker who immediately went to our manager and reported her for insubordination. The manager went to the director, and then to HR. Suddenly, this coworker was written up, had to write...

Count me in...December 31, 2014. I CAN'T WAIT!!!!!

About a month ago, just a few days before I turned 58...better late than never!!

One mgmt company did absolutely nothing, told us it was the "cost of renting to weekly renters." Another mgmt company claimed they did an inventory of the condo in between every renter. Found out later this wasn't true. When I discovered missing items (long after the winter rental season), I was...

You are very welcome, CoolChange! I too had the spreadsheets which showed a yearly profit, figured I had it all worked out. Had we lived closer to Park City, we would have used VRBO or iTrip because in hindsight that's the only way to generate a profit. Giving up 40% to management fees (which I...

We just sold our vacation condo about a month ago. It was located in Park City, Utah, a ski mecca for sure, but boy, is it expensive to own a condo. Several reasons we finally had had enough: 1. The monthly HOA's had climbed to $600/month, and the HOA board was hinting at another increase next...

Just signed closing docs today on the sale of our ski resort vacation condo. Bought in the recession, hoping to make money during ski seasons and supplement our early retirement. Wow, were we surprised. Property mgmt companies take 40% right off the top, ALL of them. I swear it's a conspiracy...

This was my point, that funds from pensions can be mismanaged just as easily as any other money. With essentially 4 incomes at their disposable, my friends only increased their spending and continue to exhibit poor money management.

Two of my closest couple-friends retired from the military about 10 years ago. They retired after 25 years of service, with really nice military pensions and healthcare. Upon retiring they bought 2 new cars, a 42 ft. motorhome, took multiple European trips, and refinanced their house not once...

A few years ago I read an essay regarding how our spending habits are insanely manipulated, controlled, and how the marketing machine permeates our lives. It was written in 2010 by a writer named David Cain at Raptitude. It literally changed me in ways that still resonate in my daily life...for...

We're around $400/month for the 2 of us, including eating out (which has become very rare). The monthly bill could be lower but we buy organic, non-GMO, and support local growers through a co-op. Not included in that total was a quarter-hind grass fed beef from a local farmer as it'll last us...