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I agree with the idea of paying out of pocket for primary care. All of the cost associated with third parties is the big down fall of our health care system. These third parties provide no health care but eat up a lot of dollars. One doctors group I visited had 4 doctors and about 5 clerical...

If you are over 60 try getting health insurance at any price if you have a preexisting condition. Remember why Medicare came into existence. It came into existence because insurance companies would not insure the elderly. Somehow cost of health care in this country must be brought under...

I love Medicare. I went on it last year in June and my health care costs are less than half of what they were in a private plan and I have more choices of doctors and hospitals.

I went on Medicare last June. I was on my wives private insurance plan through her employer. It was a large group plan and I paid about $700 a month plus $20 when you visited a doctor or had lab work. I too felt overwhelmed by all of the various supplemental plans and Medicare Advantage plans...

I am going to Germany for 4 weeks this year and I am looking for a travel health insurance company. I am on Medicare which does not cover me out of the country. Can anyone recommend a company?

I would vote for Yosemite as my favorite. I also like Mt. Lassen which nobody has mentioned. My first time there was 2 years ago. We hiked to the top of Mt Lassen it is about a five mile around trip with a 2,000 feet elevation gain. When we got to the top a Dutch guy was there with a mini-keg...

And we complain about the people in government and big business who cheat the taxpayer. I looks like there are criminal thoughts in a lot of peoples minds.

We live in snow country and like it. The big reason being retired we just seat around the fire until the roads are plowed. I get out my trusty Honda snow blower clear the driveway and we can go if we want to. I do feel sorry for the people around us who have to work. I am glad I do not have to...

My 5th year is coming in March. I feel better and also have lost weight not 80lbs but about 40. It is so nice to have your time and life belong to you and not the man. I am so happy not to have to go to work. My wife and I, every once in a while will ask each other if we miss work and the...

Unfortunately I just got paid off on my smartnotes. They matured. The interest rate on them was little over 7% and I had bought them at a discount a couple of years ago so the overall return was better than the 7%. They paid interest monthly which was nice. I would not be afraid to hold more...

Regional banks may not have been involved in subprime lending but they may have been financing local builders who or either stuck with property or have cut way back on lending. Either one will reduce earnings. Also regional banks depend a lot on commercial/business lending for their income. With...

I moved my accounts to Smith Barney for the same reasons. I hold mostly individual stocks or bonds. I buy and hold so the fees are generally a one time event. Their bond offerings and pricing are better than most discount brokerage firms. Depending on how much money you have with them all fees...

Hamlet I don't disagree with what you say I was just pointing out if you don't want to lose your money stick with the big banks. Also those chasing high dividend yields better be careful because they can be cut in a second. You may be wrong about Wells Fargo they are one of the largest real...

10% increase and an increase in copay form $10 to 20. Our premiums under COBRA are now $1,100 per month. So those of you that have employer subsidized health insurance that is what it will cost you if you are over 60 but not eligible for Medicare in California.

Jarhead we are neighbors and feel the same way about Northern California. We built our home in the Sierra Nevada's about 27 years ago and retired to it 3 years ago and love it. We are on highway 4 east of the small town of Arnold. I must say if we had not built it 27 years ago we could not...

Having worked for 35 years in banking and the majority of it was in small banks, I do not invest in small banks. The term too big to fail is very true. The Feds could care less about a small two billion dollar community bank failing. They could never let B/A or Citi bank fail. Such a failure...

In California the foreclosure process takes about 90 to 120 days. It works like a fine tuned clock. What does throw a wrench in to it is not the average person with little money it is the person with money who can afford an attorney. What they will do is file for BK a day or two before the...

Banks are required to write down the value of a loan to it's current market value. A corporation is also required to write down the value of investments to current market value so what Bernenke is suggesting probably already been done by the investor or bank. A lender could structure a write...

I would just let Vanguard do the transfer. You will get a call from him. I wonder if he has already spent the nice commission you made on the annuity?

Well explain why the following countries have some form of a mix of capitalism and Socialism and are financially as good or better off then the US. Most of them have a lot more Socialism. You also need to study your history and get your facts correct. The Capitalist American corporation as...

Hollywood is looking for someone to play Scrooge in the new version of the A Christmas Carol. I sent them a link to this thread and told them there are a lot of good candidates here.

That so called 50% that do not pay taxes is false. Almost all states have a regressive sales tax that they pay. You are also forgetting another regressive tax that takes a big bite out of every working persons check and that is the Social Security and Medicare Tax. I am happy I make enough...

The estate tax like income tax should be progressive without all of the loop holes. The loop holes are what make our tax system so unfair. The average tax payer in the US does not make enough money to need the loop holes and if they did they could not afford the attorneys to set them up. People...

I was not the first one to bring politics into this as a matter of fact you also did. My post was responding to your political answer.

How could they continue the Bush tax cuts granted in a time of war, first time ever! Our country will be BK. Our children and grandchildren will be paying back the debt on Bush's ill conceived tax cuts. The biggest tax cut would could get is to have the US debt paid off. I think interest on...