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Forum: FIRE and Money 12-10-2020, 05:36 PM
Replies: 9
Views: 559
Posted By joesxm3
Gotadimple - thanks for alerting me to IRMAA. I...

Gotadimple - thanks for alerting me to IRMAA. I have yet to really dig into Medicare and was not aware of that, although I did know that higher income levels were a problem.

SecondCor521 - I do...
Forum: FIRE and Money 12-10-2020, 02:57 PM
Replies: 9
Views: 559
Posted By joesxm3
ROTH Conversion Advice re RMD and Tax Rates Please

I will turn 65 at the end of 2021 and will be switching from ACA to Medicare, so I won't need to keep my AGI to the 12% bracket (single).

For 2020 and probably 2021, I plan to not do any ROTH...
Forum: FIRE and Money 09-15-2020, 03:49 PM
Replies: 3
Views: 365
Posted By joesxm3
Tax Rate Question

The current tax rates seem to be in effect until 2025, but is that written in stone?

Is it possible for Congress to decide to pass legislation that would raise the tax rates sooner than 2025?

A...
Forum: Health and Early Retirement 08-23-2019, 06:13 PM
Replies: 10
Views: 817
Posted By joesxm3
Well, I have been holding off hoping to report...

Well, I have been holding off hoping to report success with the sock aids etc., but it turns out that my mother can't begin to deal with them and my stepfather might be able to get the stock onto the...
Forum: Health and Early Retirement 07-30-2019, 08:12 PM
Replies: 10
Views: 817
Posted By joesxm3
Thanks again. I ordered a sock aid device,...

Thanks again.

I ordered a sock aid device, slightly different from the one you listed. It should arrive on Thursday.

I also ordered a pair of diabetic shoes with an adjustable velcro closure. ...
Forum: Health and Early Retirement 07-30-2019, 06:23 AM
Replies: 10
Views: 817
Posted By joesxm3
Thanks for the help. I saw a thing called...

Thanks for the help.

I saw a thing called Stockeez on Amazon that seems to be a sock aid for compression stockings.

Is the main benefit of these aids in not requiring bending over, or do they...
Forum: Health and Early Retirement 07-29-2019, 04:28 PM
Replies: 10
Views: 817
Posted By joesxm3
swollen ankle - compression stocking - questions

My 92 year old mother has one ankle swelling. Her doctor diagnosed vein insufficiency and prescribed compression stockings. We got the lowest compression 12-18 mm hg, knee high stockings.

I went...
Forum: FIRE and Money 07-11-2019, 05:20 AM
Replies: 136
Views: 12,948
Posted By joesxm3
When I first bought my house, one friend quickly...

When I first bought my house, one friend quickly convinced me to take him in as a roommate (not a romantic partner). He had lots of credit card debt that he eventually dumped by filing bankruptcy,...
Forum: FIRE and Money 07-02-2019, 08:25 PM
Replies: 10
Views: 1,081
Posted By joesxm3
Thanks for the reply here and for all the...

Thanks for the reply here and for all the previous help you have given me.
Forum: FIRE and Money 07-02-2019, 08:02 PM
Replies: 10
Views: 1,081
Posted By joesxm3
Your assumption that I would have to withdraw...

Your assumption that I would have to withdraw $70,000 subject to tax made me realize that I forgot to mention that I have some cash in my taxable account that I can use for my annual expenses if I...
Forum: FIRE and Money 07-02-2019, 07:12 PM
Replies: 10
Views: 1,081
Posted By joesxm3
Please double check my logic on RMD

I currently have two more years on ACA, so that pretty much limits my maximum AGI and how much I might convert to ROTH. I probably plan to defer SS until 70. I am starting to try to calculate what...
Forum: FIRE and Money 05-14-2019, 04:46 PM
Replies: 17
Views: 2,601
Posted By joesxm3
I think that the people who did not get the...

I think that the people who did not get the message were those that were already "verified" accounts and had a cash account created automatically.

We infrequent users are being driven to become...
Forum: Other topics 05-14-2019, 02:47 PM
Replies: 42
Views: 2,739
Posted By joesxm3
Well, I figured that since you all have been so...

Well, I figured that since you all have been so helpful, I would give a brief progress report so you can feel that your typing was not wasted.

I decided that task #1 is to get a durable power of...
Forum: Technology, Media & e-Gadgets 05-14-2019, 02:32 PM
Replies: 1
Views: 408
Posted By joesxm3
Changes to Pay Pal

I very rarely use Pay Pal. If I buy on EBAY I usually just use the Pay Pal enter your credit card feature. Last month, I had a couple transactions where I had to go and use Pay Pal, once to pay for...
Forum: Other topics 05-11-2019, 04:54 PM
Replies: 13
Views: 809
Posted By joesxm3
Thanks. That makes sense. And thanks for...

Thanks. That makes sense.

And thanks for the link to that seniorliving.org site. I will check that out and probably find answers to more of my other questions.
Forum: Other topics 05-11-2019, 04:00 PM
Replies: 13
Views: 809
Posted By joesxm3
Medicaid Look Back Period Question

I am a little fuzzy on the penalty associated with the Medicaid look back period.

For example, if a parent gives some money to a child within the five year period and the child spends the money...
Forum: Other topics 05-05-2019, 06:57 PM
Replies: 42
Views: 2,739
Posted By joesxm3
Good point about the market-timing risk involved...

Good point about the market-timing risk involved with buying a house for the parents. I suppose I could plan to make it a rental property and add a bit more real estate exposure to my portfolio.
...
Forum: Other topics 05-05-2019, 03:44 PM
Replies: 42
Views: 2,739
Posted By joesxm3
Thanks for all the advice and empathy. I...

Thanks for all the advice and empathy.

I really only got started thinking about doing this a day or so before I posted here. My parents have been surviving on their own pretty well (which my...
Forum: Other topics 05-04-2019, 02:08 PM
Replies: 42
Views: 2,739
Posted By joesxm3
I had thought of the stair lift, but putting it...

I had thought of the stair lift, but putting it in the existing house still has the problem of me being so far away. If I were to buy the house two lots down from mine that is a split level with...
Forum: Other topics 05-04-2019, 07:55 AM
Replies: 14
Views: 620
Posted By joesxm3
Tax and Financial Ramifications of Helping Parents

As you can see from my other thread, I will probably be getting involved with helping my parents to move to some sort of elderly-friendly living situation and since they are living on SS with no...
Forum: Other topics 05-04-2019, 07:42 AM
Replies: 42
Views: 2,739
Posted By joesxm3
Thanks to everyone for the informative and prompt...

Thanks to everyone for the informative and prompt replies.

One thing I did not mention is that I currently live about an 80 minute drive from my parents (assuming no traffic problems).

They...
Forum: Other topics 05-03-2019, 07:48 PM
Replies: 42
Views: 2,739
Posted By joesxm3
Advice Needed - Moving Elderly Parents

My mother is 92 and getting feeble. She has a hard time going up stairs and needs someone helping her walking outside of the house. She can't get in and out of the bath tub and now uses a walk-in...
Forum: FIRE and Money 04-13-2019, 11:39 AM
Replies: 25
Views: 5,066
Posted By joesxm3
Well, after not working for a week and being told...

Well, after not working for a week and being told it would never work again for me, I just tried Shop Safe and it is once again allowing me to generate new numbers.

More stellar service from BOA....
Forum: FIRE and Money 04-12-2019, 01:21 PM
Replies: 25
Views: 5,066
Posted By joesxm3
Well, after seeing the posts regarding newer...

Well, after seeing the posts regarding newer equipment I tried it on my Windows 10 computer, which is about a year old. I tried it with Microsoft Edge and the latest Chrome version. After a couple...
Forum: FIRE and Money 04-12-2019, 08:37 AM
Replies: 25
Views: 5,066
Posted By joesxm3
Bank of Amer. - Shop Safe - Discontinuing

Do any of you use the Bank of America "Shop Safe" feature that lets you generate a one-time use credit card number that is linked back to your main credit card?

This week it stopped letting me...
Showing results 1 to 25 of 299
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