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Thanks again for all of the replies and great information.

Thanks for the great replies especially the in depth specifics by gromit. Just curious gromit are you on this plan? I've read that some plans give you money towards your part B. Do you know if this one does?

Thank you for your encouraging reply. Wondering if anyone else has any experience or comments?

Hello, I will be turning 65 later this year. DW will turn 65 in April 2026. We've been on her previous employer's provided BCBS 80/20 plan since she retired from the Federal Reserve Bank in 2016. The premiums and deductibles are very reasonable. But the time is coming to get off. The FRB...

Another update. Kept trying today Experian and finally got to talk with another human. She was no help so I persuaded her to let me talk with a supervisor. She helped a little. At least I could understand her. She can see my account but can't figure out why I can't log in so she's sending...

I thought I'd update my journey trying to freeze our credit. This is taking too much time and effort setting up online accounts. We will settle for the big three so six online accounts total. I've spent about 4 hours so far. I'm 2/3 of the way there. Lots of different issues. Equifax is...

You might be right. It's probably easier for someone to steal your identity than for you to freeze you own credit.

I thought I'd update my journey trying to freeze our credit. This is taking too much time and effort setting up online accounts. We will settle for the big three so six online accounts total. I've spent about 3 hours so far. I'm half way there. Lots of different issues. Equifax is done. No...

Clark Howard recommends free credit monitoring with something like credit karma. Anybody using it?

I think there are 6 now. NCTUE was in the original 5. You're right. Way too complicated

Hello, I was reading a post titled "Three hard inquiries on my credit report?!" and a lot of the replies mentioned that our credit should be frozen. Someone mentioned 3 or 4 agencies. Can someone give some guidance on how to do this? Hopefully it can be done online at each agency. Thanks!

If you can install hardwood you'll have no problems with laminate.

This would also be the time to look at the electric. Add more outlets/circuits and bring everything up to code. Plumbing as well. Allow yourself more time than you think you'll need. Things never go as planned. As far as the flooring, if you use a good product and plan it out, you'll be...

Something to consider. https://www.goodmanmfg.com/support/internet-purchases Internet Sales Policy No warranty coverage is offered on Goodman brand equipment purchased by consumers over the Internet, including web-based auctions, telephone or other electronic means, unless the unit is...

This was sent to me from Schwab. Something that they're offering. Is anyone familar with it or have any comments? Thanks.

What area did you move to?

I stated "indirect rollover" too many times. Still nothing.

Just talked to two more people in Schwab's retirement department. Still a no-go. They can't figure out a way to put the amount of the withheld taxes into the Roth. I guess next time I'll have to do quarterly taxes. Very disappointed.

I did a Roth conversion in Dec 2020 and had the taxes withheld. I want to do a rollover in Jan 2021 to put that money into the Roth. Does it matter if you did the conversion in 2020 and the rollover in 2021? I'm having trouble getting someone at Schwab that understands. I think the best so...

You can do it either way on Schwab's website.

Has anyone done this? I talked with three people at Schwab where my accounts are. I kept getting passed to someone that knew more. I was told I could convert, withhold the taxes and rollover that amount into the tIRA (where the funds came from) but not into the Roth. Very confused.

Thanks for the great info. I still like your option of rolling the taxes back into the Roth. Sorry for the questions. So I understand. If you don't have any withholdings or quarterly payments throughout the year and you take a tIRA distribution at the end of the year and send in the taxes...

Does this pertain to your option?

I found this calculator while trying to understand if and how social security benefits are taxed. It's for 2019 but I don't believe anything’s changed for 2020. Please delete if it's not appropriate or if everyone knows about it. Thanks...

Thanks again for all of the great replies and awesome info. We'll be working on a plan to get moving. Definitely going to do the ROTH conversion. Will call Schwab today. As far as being in MM. I guess we just listened to too much of the "noise" about the market being propped up and didn't...