Recent content by xynny

yup you are right. the estate recovery rule was already there before the ACA, but very few people seem to know about it.

Medicaid is free now but after you die they can get reimbursement from your estate. that's possibly one reason to stay off. Estate Recovery and Liens | Medicaid.gov

I Don't have personal experience but from what I have heard from my friends its very hard to sign up as a new patient under medicaid. I live in the sf bay area. One of my friends is a social worker so its her job to help medicaid people get appointments. She told me she called all...

There are also different income brackets for IRA contributions and the AMT. the marriage penalty isn't just the regular income brackets...you'll see it more and more my friend.

Hey I felt like I had to reply since I'm a young female engineer working in CS here in Silicon Valley. I graduated from Cal and never got a masters. If your daughter wants to just get a job in CS then a master's degree is really not necessary. Once you get a couple years of experience then...

My parents used their cheap home equity to buy a couple rental properties with cash. The properties rented out pretty quickly and they're making around 10% on their equity. It took them a while to look at and research all the properties , though, so it's still work, but for them it is worthwhile.

Yes she can collect immediately. As far as I know under Calpers you have to collect within a year of your retirement so it makes sense to just take it as soon as possible. I had nO idea how good these benefits are until my relative told me. If you consider the 4 percent rule that's popular...

I'm not pulling your leg. You can read it on the Calpers site: CalPERS On-Line Click General Information & Eligibility It says that you need only 5 years of service, and then you can buy another 5 years. Also, you only have to be age 50 to qualify for the pension...

One of my family members will be vested in Calpers soon and it is a freaking good deal. She does contribute a part of her pay into it, but the payout is pretty amazing. She and I sat down to calculate how much her benefits would be if she and her spouse lived for another 25 years after...

erm... what Olympics hosting country does not want to be seen at its best? No matter which city hosts, the governing body usually puts up a lot of money. So if they're footing the bill I think they have the right to pick who they want to sing in their ceremonies. It's their party, so they can...

I think one big money saver for my hubby and I is that we have no healthcare expenses right now. We work for companies that pay the premiums. My mom is working right now purely for her CalPers benefits so she gets healthcare when she retires. She just got a new job this year at the age of 54...

LOL, $500 a month is about $16 a day. That's enough for rice + a dish. I'm making some burgers now and the meat cost $3 a lb and the buns were free from church. So we're eating dinner for $3. It really isn't that expensive. Plus we get free food from work often, too.

I went to a cheap public university so my parents had money to pay for my wedding. We also tried to invite as little people as possible to save money. Also had friends and family help out with stuff like photography and flowers. We bought the flowers wholesale and then my hubby's godmother...

1. My hubby would like to open a board game and card game shop. I think that'd be fun. 2. I would probably go to Greece and Israel, because those places look amazing. 3. Move back to Hawaii.

yeah that's not including income tax. We pay approximately $40k in income tax (state+ fed + ss). Ironic, huh.