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Couldn't agree more. I never would have retired in 2014 without the safety net of the ACA. Got me thru to Medicare which I started last year.

Hello there, It sounds like you have been approved for the advanced tax credit starting in August? I was able to claim the HCTC a couple of years ago. I didn't bother with filing the paperwork to get the advanced payment. I filed my taxes with form 8885 and received the credit in my tax refund...

Hello there, I live on Hilton Head Island in a non-retirement community. I know people who live/have lived in Sun City Hilton Head. They like it very much. Many, many activities. This should meet your need for an active senior community. One thing I have to mention is that even though it is in...

I own a vacation rental condo on Hilton Head Island, SC. I live about an hour away so I manage it myself. It is cash flow positive but if I had to pay the going rate for property managers (about 30%), it would most likely not be. Also, I suggest you consider some of the other costs you may not...

I am with the OP on this. I am hoping it is just some bad stuff out there this year. I have had a virus that produced a cough that I am just getting over now after over 4 weeks. I don't think I have ever been sick this long before! I am 57 BTW.

If you are OK with using an Android phone, you may want to look into Google's Project Fi. It doesn't have the concept of unlimited data but you only pay for the data you use. It is probably not the right thing for someone who uses 20 gig but it is great when you have variable amounts you use...

I was in a similar situation as you a few years ago. What I did was contribute the maximum to my HSA while I was working. I didn't touch the funds then. When I retired (last year), I moved the HSA to another institution with lower fees (my credit union). Now that I am retired, I continue to...

My gastroenterologist had me use both Lanzoprolol (morning) and Pepcid (before bed) for a couple of weeks. I am first stopping the Pepcid for a week. Then I will be switching to every other day of the Lanzoprolol and then stopping that altogether. I also wanted to be clear about the wedge...

Great topic! I have been taking PPIs for about 15-20 years due to very bad acid reflux at night. I have tried weaning myself off over the years but the results have not been good. I have also read the warnings about increased chance of fractures and there was a recent study potentially linking...

I have had the Citi Doublecash card since December. It works as advertized...1% on charges and 1% on payments. We use it for everything we can!

Are you retired? Yes, retired 1/1/14 How old are you when you retire? 55 When do you want to retire? I was aiming to retire at 55 and did!

Hi Sarah, The plans look great! As a fellow South Carolinian, I do want to caution you about the current regulations for a homeowner who wants to be the general contractor for a building project. You may already know all this but it came as a surprise to us when we did a renovation on our...

Hello, I am an owner of a vacation rental on Hilton Head Island, SC and rent it through VRBO (as well as a few other sites). My recommendation is to speak with the owner and make sure you get a good feeling from them. Nothing beats the personal connection. I do this with most of my renters as...

Do you have an option on the top "my accounts"? If you click on this and choose "overview", you should see your account listed. If you click on the account, you should see your current fund listed. Next to the fund all the way on the right, you should see options "Buy|Sell|Exch". You would chose...

I have been enjoying watching many of the sports (hockey, alpine and crosscountry skiing, speedskating, snowboarding, etc). I skip figure skating entirely and must admit that I don't "get" curling. Having recently retired makes watching in the mornings live very convenient! I tend to also...

We moved to coastal SC 5 years ago to get away from the northeastern winters and congestion. We are in a smallish town on the ICW just north of Hilton Head. It is certainly much warmer than the northeast or Midwest in the winter but it is not "beach" weather for most of the winter months. You...

Yes...but not a great one. All contributions stopped back in 2003. I get what is equivalent to about 19% of what my salary was when I retired on Jan 1, 2014. It is not COLA'd. A good thing is that there is no penalty for collecting it right away when I retired at 55. It is not the greatest but...

+1 I have used it for the past few years without an issue. I like having one spot to get valuations for most items I donate.

Taxable: 19% Tax Deferred: 71% Tax Free: 10% Will be looking to move $$ from Tax Deferred to Roth during retirement

Don't want to gloat but I can see the shrimp boats from my front porch here in southern South Carolina. There is nothing like fresh caught wild shrimp. To me, it tastes like a different food than the Asian stuff. Before we moved here, we used to regularly get the frozen imported shrimp at the...

Please add me to the list! Last day of work at Megacorp Dec 31 2013 after 33 years. First day of the new chapter: JAN 1 2014!!! at age 55.

Thanks Michael: I actually consider myself the class of 2014 since my next chapter will begin in 2014. Sarah: Thanks. I am in the Lowcountry of SC too. A little further south of you (Port Royal) and loving it here!

Hello, I am a long time ER.org lurker finally getting the courage to introduce myself. I plan to ER at the end of this year after almost 33 years at the same megacorp. ;D My DH ER'ed several years ago so I will be joining him in this venture. We relocated from the expensive northeast to SC 4...