Recent content by Russ2020

Thank you. Sorry for the trouble.

Can anyone provide the Vanguard URL for the "old" mutual fund selector. NOT this one.

I called Vanguard last week and while waiting for a rep the call dropped. I called back and waited 35 minutes for the next rep. When he answered I explained to him not to take this personal but would one more basis point in expense ratio lead to better customer service. He didn't answer...

Yes this is my thought.

In order for me to fund the I bond purchase I will have to sell in my taxable account. I currently have 65k in LTCG for this year along with my wife SS of 21k and 3k in dividends. That allows me to convert aprox. 22k to get to the top of the 12% bracket for this year. In order to fund the I...

My wife and I are recently retired and living off our taxable account. I have thought about purchasing 20k in I bonds (wife and myself) but it would reduce the amount I am able to Roth convert. Wouldn't doing the 20k Roth conversion be a better use of that money.

Thank You. If your spouse had not filed yet for his/her own retirement benefit by the time he/she died, then: If your spouse died prior to his/her full retirement age, your benefit as a surviving spouse will be your deceased spouse’s PIA. If your spouse died after reaching his/her full...

Just a quick question for the forum. My wife and I are retired. Currently I am 64 and not taking SS. My wife is 65 and receiving her SS. I am waiting until 70 to take my SS since my SS amount is greater than my wife's. Question: What happens if I die before reaching 70? Will my wife still be...

No I am not shopping for a catastrophic plan I was just describing a high deductible plan. In my mind a plan that pays nothing until I spend $6900 is catastrophic. Washington state has it's own exchange. It does not use the federal exchange.

Just wanted to close the loop and thank everyone who responded. I learned a lot reading all your responses. I just finished the phone conversation I had with the insurance broker. She said the Washington state website is not smart enough to realize that my wife being over 65 is already on...

I have playing around with Washingtons plan website. If I search without adding a household member (wife) the max amount of MAGI I can have is ~$51K. Adding my spouse that number increases to ~$69K. The site asks for my wife's birthdate so it must take into account she is on Medicare. Searching...

Thanks so much for all your responses. The folks on this forum are so helpful. I have been poking around on the Washington health care plans web site. At $58K of MAGI my ACA credit would be $1468/month. At $68K of MAGI the credit is $1387/month. Comparing apples to apples it looks like my...

I have a few questions and am looking for another set of eyes to validate some assumptions I have regarding ACA benefits. Background I am 63 and currently using Cobra for my health care. At the start of 2021 I will have 6 months left on Cobra and then will require 9 months of self paid...

Thank You

When you say a "social security account" does that mean a "my social security account". We have credit freezes and both myself and my wife have "my social security" accounts. My wife will be applying for social security in the next month. We would like her first payment to begin in 2021.