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We inherited small amount of undeveloped acreage when MIL passed in our home state. We've been paying reasonable property taxes for 20ish years. Well the supposed value AND taxes tripled. Extremely depressed area! We have no desire to ever move back after 30 yrs and we only go back to see...

Doing our taxes on turbotax, our total income is $7000 over what we claimed it would be for ACA deductions. We contributed as much as we could to our tradIRAs, but the "total income" amount stayed the same. We're unsure if this is the correct way to keep the ACA deductions for the amount we...

EDIT: Proof Non acceptance Dang!! DW resigned from her job Dec, 31, 2021. We had already signed up for ACA HI in the regular enrollment period and it went very easy but did have to submit proof by March 12, 2022. We submitted her resignation letter to her previous employer. We also...

Just enrolled for 22'. We put DW income as the full amount we will receive from investments including interest in 22'. We put my income as -$0-. It then showed DW income as the household income which is correct. Q1: Is this how everyone else is reporting income or should we have...

One of DW employees spent a considerable amount of time this past weekend around one that supposedly tested positive for covid. The employee has been vaccinated. So while DW was talking to HR about following proper protocol for a vaccinated individual with possibility of also being positive to...

So with DW still working we thought for sure this would be her last yr and we'd go on aca. Our state is in pretty bad shape, (worse than I've ever seen) as I'm sure others are also. The letters just started flying with massive salary, benefit, etc cuts to be announced. So my question is what...

Well we found a tract of land we put offers in on and they refused them. It's absolutely beautiful land and very remote. Theres very little land like it within distance of DD and GK. The owners know this well and have had it many yrs. They are asking about 30k over what I believe it's worth...

We live somewhat rural and are very unsophisticated. I've been slowly selling misc things that are worth a small amount but hate to just throw them in the trash. I sold an auto part cpl months ago and the guy talked me into using paypal (first time selling through paypal). It did not go good...

How did you decide on a back specialist? I didn't do so good at deciding when I had several knee and shoulder surgeries in the past. I was somewhat surprised a search didn't show up with many post on backs. Have been having a lot of back problems for the last 6 mths and to the point now that...

If DW retires this yr, we will be ok for 2020 meeting the ACA minimum but after 2020 if interest rates are go lower...? Our state has not adopted the Medicaid expansion. Actually a good thing at the moment because the minimum is 100%FPL. If it adopts the expansion the minimum goes to 138% and...

I recently moved sizeable funds trying to take advantage of higher cd rates. I made a wire transfer, specifically asking about the time it would take, etc. My local bank basically "sat" on the wire transfer because, I found out later, they had no one available high enough to approve the...

How did you chose your final area to retire to? It was the mountains which brought us where we are now. Really disgusted about where we live now. Thought it was going to be where we stayed for the rest of our lives. Moved here about 7 yrs ago. Remodeled one home but wasn't happy with it so...

Those receiving ACA HC, would it matter to start receiving HC say first of March or is it better to start right at the first of the year? I realize the enrollment period ends Dec 15. DW had intentions of working til end of Feb 2019 which would make our first yr of HC costlier than the next...

I check every bank's ratings before doing any type of business with them at all as we do have "flaky" (low rated) banks in our state I stay away from also. Curious if anyone else does this also or am I stuck on the past? Yeah I know FDIC but I'm usually the one examples are made of!

Very likely that DW will retire Jan 2019. We currently have DW employer provided HC. Because of the Dec. HC enrollment I haven't found info on what yrly income one should put for initially starting ACA ins. Once retired, total taxable returns will likely be 30k- 40k. That amount is what I...

When you have CD over 1yr in maturity but the CD pay quarterly, semi annually or at maturity over a yr, but you do not receive any interest until maturity, why is it not considered LTCG? TIA

Having not touched savings yet and DW might be done earlier than originally planned. How are you arranging your WD $ ? Currently thinking approx 50% of yrly needs from interest and 50% approx from savings. First year, thinking 6 mths $ in MM. Next 6 mths $ CD. Continue this into the future so...

With interest rates on the move, those that use CD's, is there a certain rate you might lock in for an extended time frame? Read a little about the crazy cd rates in the early 80's but not really found anything that states a good past average rate for CD's during better economic times. Right...

??... Husband earns 10k more SS than his wife's SS. Husband dies. Does the wife get the Husbands higher SS amount? On the SS site, it only talks about the surviving spouse getting the higher deceased spouse's benefit when benefits are recieved prior to FRA. Is it the same if the deceased...

For those that have RE that do have to buy their own HC insurance without any former employer or medicare assistance, what percentage of your yearly spenditure is HC?

I'm FIRE. DW has 4+ yrs work yet to being fully vested in SS. We are out of the market except for CD,s. With the rising interest rates, the returns are moving us up into higher tax brackets. Is there a calculator that would help explain whether it's worth working the extra 4+ yrs or if she...

Fund choices of my past 401k were always employee committee picked so just about always UNDER performed. We maxed 401k out only because of taxes at the time. I don't think I would have contributed if it hadn't been for the tax benefits. Our 401k are IRA now. Was never comfortable relying...

We have changes coming we hadn't planned on, so are running a few different senarios. @ 67, (still many yrs away), the SS amount showing that we would receive (???) would pay our life style we currently have. Question is with SS taking care of living expenses, how much $ of a nest egg...

"How Much Will My Spouse Receive? If your spouse qualifies on their own record, we will pay that amount first. If the benefit on your record is higher, they will get an additional amount on your record so that the combination of benefits equals that higher amount. " So I'm not the brightest...

How much of a factor has life expectancy had on your FIRE decisions? Initially thought we had a pretty good plan. I'm RE and DW still has 5-6 yrs to get her yrs for SS in. Been thinking on this a lot lately and with a tougher than usual winter & past yr, the thought of 5-6 more rough winters...