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This forum has some of the smartest people out there so I want to bounce this off you guys and girls. A host is accusing me of having 2 extra guests. I explained to customer service what happened and they side with the host. Here is the short version. I booked a small unit for me and the wife...

How do most savvy retirees (i.e. ER forum readers) handle health insurance needs when one spouse is Medicare eligible and the other plans to use the ACA to get health insurance? This would be for a couple where both are retired and can keep their MAGA at low level (30k-60k).

Pulling the trigger and leaving work to retire full-time is a big decision most of you Young Dreamers forum readers will have to face. DW and I eased into it by her going part-time for a couple of years and I took a less stressful and more fun job for 5 years before leaving the work force. It...

As a long-time reader and occasional contributor to the forum, I retired and started traveling more. I am currently hiking the Appalachian Trail and vlogging it on YouTube if any AT aficionados are interested. My trailname is Papa John and the YouTube channel is PJ on the AT. I put out videos...

Scenario, M 55 and F 59. MAGI for 2018 will be $29K...could be higher if we choose to recognize LT cap gains or move some tIRA funds to Roth. Would you go with a Silver Plan (900 deductible, 3300 OOP) at no cost up to a MAGI of 34830 and use the difference of $5,330 to recognize LT cap gains...

I am buying into the ACA for the first time in 2018. I have the flexibility of having my MAGI land from 29K and up. For the purposes of getting an insurance policy off the exchange, obviously a lower MAGI gets you a better deal. So here is my question as it relates to deductibles and out of...

For all you folks who like to review other ER plans, I would appreciate any input. I was thinking of meeting with a guy I work out with to review my plan since my departure from the working world is getting close. He’s a financial planner, but I really can’t think of a better place to have my...

As I was lurking around the site, I remembered all the great input I got from you guys when I asked for input about my son wanting to join the Marines. As an update, he graduated from HS a semester early and right now he is in boot camp at Parris Island with a scheduled boot camp...

I can't believe we don't have a class of 2015 thread. Let's get this party started! I am 50 and currently FI but going to put in 22 more months to vest in a defined benefit plan. I figure it's a small price to pay for a little more pension income. I'm doing what I can to remain sane in...

So my 17 year old son wants to enlist out of high school. He graduates in December. He knows that we have saved enough $ for his college. He has looked at ROTC and other military branches. He has a 3.1 gpa and good college entry exam scores and military aptitude scores. He has lots of options...

Long story short...got about: •900k in retirement accts •150k outside retirement •3k/mo in ss and pensions starting 12 yrs from now •own house w no debt (own everything actually...cars, tennis racquets, wine collection, etc) •own 1/4 of another house that is paid for and has a tenant (worth...

I know there has been a lot of press for this "Hindenburg Omen" but this headline and subsequent verbiage caught my eye. Here is the headline: The Hindenburg Omen IS Scary, but So Are the Fundamentals Then, in the article it says: The Hindenburg Omen has a roughly 25% accuracy rate in...

Anyone here ever owned or currently own any beach rental property? I've seen other threads on landlording, but I was curious if anyone out there has ever owned a beach rental property and how that worked out for them. The prices for condos on the beach have come down substantially and I'm...

Lost is all the juicy news of economic hardship and blood in the streets, I noticed the following in the news: The Conference Board's January index of leading economic indicators logged a surprise increase in January, the second straight monthly increase. Could there possibly be an end in...

Tax Act has free software to prepare federal tax, but you have to do the return online. I don't really like the idea of inputting all my information online. I would much rather do the taxes on my computer. Has anyone here ever used Tax Act? Turbo Tax also has a basic addition that is free...

Today, Dec. 11, the S&P was down 2.5%. I usually do a Quicken update each day and was curious how much I lost on paper. Today it was in excess of 10K, a little more than 11K to be exact. So I was curious how others did today. I have some friends that I am sure lost more than I did. I also...

I have often joked with DW about being able to retire. Many years ago I would joke that we could retire immediately if we wanted to live in a trailer in Mexico. And I've always looked at retirement like that. I could have retired 3 years ago if I were willing to live less expensively. A few...