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For those interested in reported side effects, this might be interesting. It only covers the 2-steppers, not JNJ. https://jamanetwork.com/journals/jama/fullarticle/2778441

Agree on all the above. But how are companies going to effectively develop a unique culture with all remote workers. Then there's the question of loyalty - survey after survey says that people will stay in a tough job if they have a "best friend" at work. On the other side of the loyalty...

Odd. I get that we may be in deflationary times, but the iShares TIP ETF follows the same index, and has paid dividends in 3 of the 6 months of 2020. And TIP's expense ratio is triple that of SCHP.

is Corona driving the OMY crowd to ER? Reading this paper on corona related unemployment mentions that many of those unemployed aren't looking for new work. The author's only mention one possible cause of corona-induced ER - older folks already close to retirement age have more health risk...

A theme in this thread is that various parts of the US have vastly unequal accessibility to wide-coverage plans such as PPOs and the BCBS BlueCard. Here are some resources I've used to identify which policies are available in each state: https://www.healthcare.gov/health-and-d ... d-issuers/ -...

Not only that, but as narrow as most state's ACA networks are - Medicaid is worse. If you actually might use the insurance, its probably better to realize enough income to be on ACA.

ACA modified Medicaid to remove resource and asset tests. https://www.medicaid.gov/medicaid/eligibility/index.html

Do you mean states that went for Medicaid expansion? Or if DGF is on an ACA plan, she is getting subsidies defined by Federal, not State laws. ACA plans don't have nationwide networks. In fact I think most snowbirds I've talked to wind up buying plans in each state in which they live part-year.

The article doesn't consider the costs of RE medical care. At least in the US, those costs can negate the tax benefits of Roth conversions and gain harvesting.

Here's a network of fee-only financial planners to check... https://garrettplanningnetwork.com

I'm going through this now with a relative. Much truth in this thead, special shout-out to Calico - my family tree is replete with many examples too. * they have to want to change, there's no forcing it * your refusal to help with housing/money will make you the bad guy to many * as painful as...

+1 on the Kindle/Overdrive offerings Sadly the big libraries in my area now serve as daytime shelters for the homeless. Feel bad for these folks, but our family no longer feels comfortable going into the building. So our involvement with library services is limited to what we can do online.

It seems there is only one potential upside (being given a nice package) and many potential downsides (being laid off without a nice package and treated like garbage in the meantime) to your idea. Where I work, the only difference between resigning and retiring is that the person who is...

Many on this forum advocate opening a HELOC before retirement. But the consequences of a thief making a fraudulent withdrawal on that line of credit seem very high... Locking your credit guards against a thief establishing a HELOC in your name, but not against stealing from an HELOC that the...

Fidelity and Vanguard are both first class operations but I intentionally separate the roles of asset custodian and asset manager to leverage each of their strengths: Fidelity has a far better website, much better customer support (especially in dealing with situations like Trusts), and local...

Pre-ACA, small group offers access to HI for those with pre-existing conditions. Post-ACA, small group offers access to HI for those who require broad provider networks. Its deja vu all over again!

Was the original plan you were offered an HMO? Are PPOs available on the individual market in your state?

My concern is that the policies available to individuals lack comparable provider networks versus employment based group HI. This can be a very serious issue for those who have (or develop) serious medical conditions. I think the quality of individual HI will depend on exactly what state (and...

The ACA has drastically limited the availability of individual HI plans with large provider networks / out of network benefits (e.g. PPOs). This is occurring regardless of whether the plans are sold on or off the exchanges. Given the ACA's limits on excluding pre-existing conditions...

Back in the days before ACA, there were stories of RE types standing up a small business as a means to access small group HI policies which didn't exclude pre-existing conditions. Some states even permitted a "group of 1". Post-ACA, pre-existing conditions aren't the issue, now the boogieman...

In the pre-ACA days, many small companies were set up with the (unstated) purpose to establish eligibility for small group or even "group of one" health insurance policies. Sure seems simpler than taking and quitting a job every 18 months just to punch the Cobra eligibility watchdog timer. :angel:

I'm PCG and I only see the discount offer. Perhaps those who see it have Active Trader status - although this page claims only to offer the online version of TT: https://www.fidelity.com/trading/active-trader-trading-service-levels

Careful to avoid buying "substantially identical" equities to avoid a wash sale... Otherwise, any losses from the taxable sale cannot be deducted. It's the worst kind of wash sale you have, because the purchased position in the tax advantaged account has no basis. You don't just defer...

PPOs are disappearing from the individual insurance market, in many areas they are no longer sold - on or off the ACA exchange. Am trying to develop a common theme for where PPOs are likely to survive... is it the demographics of the state? its regulatory oversight? per-capita abundance...

I travel a lot for work. Even when half a dozen of us travel together on the same itinerary, each individual reservation winds up costing a different amount.