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We live in the western suburbs of Philadelphia. Low crime, four seasons, beautiful countryside, 45 minutes from the airport. In two hours you can be in New York City, the Jersey Shore or Delaware beaches. Cost of living is reasonable and politics are not extreme either way. State taxes are 3.07%...

Companies have been known to freeze pensions, so be aware that can happen.

I’ll pass, though I noticed Pennsylvania had two cities in the top ten locations.

Eleven years for me and have enjoyed it all, even with the health problems along the way. Grandkids are the best!!! Nothing is better than spending time with them! I’m so glad things are going so well for you and your family! I give thanks to God daily for mine.

I’ve had two CDs called this year. I just reinvest them into CDs that are only slightly lower, but still higher than any noncallable CDs.

Has anyone tried the T-Mobile Internet with a set of security cameras? The upload speeds will be more critical then. We have about five HD cameras at our Jersey Shore home.

Thank you for the good work!

I’m going to have a drink after that horrendous loss the Phillies had today against Pittsburgh.

DW knows where everything is and is a smart cookie even though she doesn’t like dealing with investments. One son is able to help her in case of decline, but the other is clueless with financial matters. Most bills are set up for autopay and she just needs to make sure there is cash in the...

I have a stiff glass of scotch or bourbon before bed to help me sleep. Other than that, I typically only drink when we go out to eat or on a cruise. I’ve been told alcohol causes sleep problems, but I often can’t sleep if I don’t have a drink. It relaxes me and helps with the chronic pain I deal...

Good for you! I’m unable to walk or stand for more than 20-30 minutes. I wish I were able to walk like you!

Yes, it’s the Foundation for Catholic Education. I believe similar foundations exist for other faiths. There are lots of Catholics in Pennsylvania though.

Here in PA we have a 3.07% personal income tax rate. Retirement income is not taxed. We can deduct contributions to any 529 plan from any state. We can also get a 90% tax credit for donations to any Catholic school we choose, through a foundation, that is used to reduce tuition for those in...

Here’s a YouTube video that explains it a bit better with the page on Medicare.gov used as reference. https://youtu.be/L9z8Y93v0rc?si=ZG4bBR7wmGpIlHBh

Our 40 ounces of gold American Eagles and a few more ounces of proof coins have gone up in value nicely. Our purchase prices range from $350/ounce up to about $1,300. I’m not buying any more at age 67, but enjoy the current rise in prices.

Just a thought. If you are planning any charitable giving, it’s best to leave some in IRAs and use Qualified Charitable Distributions. That way you don’t have to pay any tax on the distributions and they count for RMDs up to $100k/year.

See post #22

I don’t understand. Why would a Roth be a target for LTCG harvesting? A Roth account is completely tax free.

For one: • You have a Medicare Advantage (Part C) plan that is leaving Medicare or is ending its coverage in your area. This is also true if you are moving out of your plan’s service area. You can look up other situations yourself.

We’re discussing guaranteed issue situations as identified above.

The reason guaranteed issue folks drive up the price is simple. They’re older and older people tend to be sicker. Additionally, some people on Advantage plans will move back to original Medicare because of a medical problem they have as they age.

From Medicare.org Understanding Guaranteed Issue Rights Private insurance companies are lawfully obligated to sell you a Medicare Supplement policy if you enroll during your initial enrollment period you qualify for guaranteed issue rights Guaranteed issue rights are also known as Medigap...

Have a Blessed Easter!!

^^^^ This what I would do.

I check every day, multiple times a day. I never panic sell, which is one reason we’ve done well with individual stocks and some ETFs. I don’t automatically reinvest and selectively reinvest dividends and interest in our retirement accounts. Taxable account dividends are moved to our spending...