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OP, maybe it was my cataract thread you're referring to. After a miserable 8 months or so while my cataracts came into full bloom, I was cleared for surgery. Until then, I was planning for living later life with a white cane. Anyways, I had my left eye done 4 days ago. While the right was done...

Thanks. Some more info on my situation: I do not (at this point) have the option for different lenses such as adjustable or multifocal. Am with an HMO that I like, and this is what they do; they do offer a choice of distance correction, so what I am considering for my left eye (right is already...

Would you recommend that, or same in both eyes? Me, so far: 63M, right eye done for long distance 2.5 weeks ago, now test at 20/20. Original thinking was to correct left eye the same (coming up next week), but new info revealed this thing called mini-mono correction, where one eye is corrected...

Casual acquaintances, and sometimes even F&F, tend to speak in code when they know the real words will make them seem smaller. Here are some translations: "You look too young to be retired" = "I wish I could retire/have retired when I was/looked that age". "I would get bored if I retired" =...

We are replacing two older BMWs with one Tesla Model Y. Over the past 5 years, we have used both cars simultaneously only about 3 times. We will keep one for a while to make sure the MY is fine and in case it needs early warranty work. After driving the MY I really don't want to drive ICE any...

Very interesting harllee and thanks. Do these types of facilities go by a certain description beyond Class A? I mean, this trust fund thing surely doesn't apply to all of the Class A's out there right? I will look into what is available nearby. We do like the area we live in now though it is...

The recent post on the challenge of spending SS income raised an old worry. I am 63, DW 60, both retired. We have cash reserves + small income to (if calcs are correct) take us up to her age 65 (4.5 years to go) so we can continue to use ACA. No SS income yet for either of us. We pull about...

Cookies, and not the type that come out of ovens. And yes, cellphones in public, though otherwise they are awesome. And [-]loud[/-] audible music in public, especially in natural places like beaches or forests.

OP again... ok, I will (sort of) bend my own words here, to close the loop on some communication that I think may have been left unsaid. Sorry for length. First, I agree with the many who say there is no "owing" to adult children. The exception might be if you neglected them as kids and as a...

There’s a lot of surmising going on here. I genuinely thought the question, posed as a logical/technical one, would be answered to the point, but sadly, there’s a good bit of assuming to know somebody else’s life details. As indicated, I’ve said all that I will about the psychological stuff...

OP here. Thanks all for your insights and perspectives. I do not want to, nor can I, explain the causes in ways that satisfy all viewpoints. Of course there are viewpoints, and there are facts. The facts/data support that A has clearly indicated, through repeated action (actually inaction...

At least I think it may be unusual, but who knows. California, self and wife, 2 married daughters, one in state, one not. Labels: A and B respectively. A and spouse are considerably ahead, financially, of B and spouse and will likely remain that way. A and husband have repeatedly deserved...

Nearly a year ago, I asked some hernia questions and am back to provide an update. https://www.early-retirement.org/forums/f38/new-to-ppo-and-may-need-inguinal-hernia-taken-care-of-110243.html So I had the repair done a few days ago. Woke about 3.5 hours after initial entry into OR, and they...

Most responses have been very helpful and really help allay my concerns. I do believe I will move forward. Thank you.

Bamaman: “ In your case, it sounds as if they're trying to push you off on Medicare in a couple of years.” I’m not sure I follow this train of thought. They are encouraging me to get it done asap.

So I went and had my hernia looked at a couple of months ago, doc said that before 65 is the age to do it if at all, it gets more complex with age (I’m 62). Told me to go think about it, and a few weeks later his office called and set up a phone follow up for another few weeks later. Spoke...

And humid. And at feeding time, beware of skeeters.

Another San Diegan here. Not much to add but to say the foregoing advice is solid; ACA and preventive health care should be at the top of your priorities. With back problems already here, installing engines is only going to make it worse. Quitting/retiring should make you eligible for ACA...

Would love to learn the answers too. My new dentist does them in-house, did 3 for me in the past month with a fourth to come.

We are in the process of getting on Covered California and asked the independent agent about dental insurance. She was pretty negative on the offerings and suggested we go private market. Sorry about your experience, hope you can salvage something.

For reasons you can find, if interested, in another thread of mine, we are holding about 5 years of base* needs as cash. We also have a HELOC in place for unforeseen overages. Holding $0.5M in cash to start with feels... sub-optimal. Not only is there inflation to worry about (but at least 1/3...

And some of the posts here bring to mind an old joke: Guy goes to see the dentist, who advises on a whole bunch of work. Patient says "that sounds expensive". Dentist replies "no problem, you can put $5,000 down, then $600 a month for 48 months, then a balloon payment of $10,000". Patient says...

Our experience with dentists has been hit-or-miss. We did have one for about 18 years. Never oversold things but he up and retired suddenly. Since then we have bounced around, five dentists now in six years (to be fair, we had one other good one but he died!). We are now with one that checks...

Can you clarify please? We (similar boat as OP) are going to be near the bottom of the range (around $26k for a couple) and my thought was this clears us out of the Medical territory… How could they “make “ you sign up for Medical? Honest question, as I was thinking no problem but your post...

Curious... why the 63/37 split? Is this something you wrote into the original document (doubtful) or due to the passage of time and acquisition of the now-37%?