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Great plan! No sense keeping this to ourselves. ? The insurance company is Old Mutual and it trades on the London Stock Exchange. The info I redacted on the attachment related to the "advisor" and his company. Redacted to protect the... Oh, what the heck... The company is in Southern...

I’m currently working part time at a construction company for pocket stuffings. Someone (I think a job applicant) left a brochure from a Financial “Advisor” at the reception desk. I’d been holding on to it in case they come back but after reading through it, I’m not giving it back! The product...

I vote for report it. I had a similar situation, but there was no visible damage to the car I hit. We exchanged information anyway and went on our way. A month later, I got a nice little note from the DMV threatening to suspend my driver's license for not reporting an accident with damage...

RMDs are less of an issue than my non-cola'd pension. I'm still deciding when to take it but am leaning toward this August when I turn 57. The president's 2015 budget calls for the 85k level to be frozen past 2019 until 25% of beneficiaries are paying the higher amount. If that gets approved a...

Delaying my Social Security to age 70 will put my total income over $85,000. As I understand it, income over that mark, incurs higher Medicare payments. There must be something to mitigate this, right? If there is I can't find it. If I take SS at 62, I'll definitely be under $85,000, but my...

I've been struggling with posterior tibial tendinosis in my left foot for over two years. Cortisone shots and a walking boot were no help at all. Physical therapy, mostly consisting of stretching, helped some but I still have significant pain when walking. I just started to see a new...

Were you able to check to see which doctors and hospitals will be in your new network?

I signed up for Covered California this morning with no problems. The only problem I'm having is with the Doctor and Hospital search. I get the same answer with every single doctor or hospital I type in... "No Results Found". I'm hoping it's a glitch. There must be a way to access each...

I just realized that I linked to the wrong document that discusses what I quoted in my first post. I corrected it above and it's also here.

California has a website, healthexchange.ca.gov that tracks its progress toward establishing its Health Exchange. There's some interesting reading there, particularly on this page where I found this document that, when finalized, will be the contract between the exchange and the insurers. A...

If California insurers mirror those in MA, it makes me wonder what the difference in benefits would be between a Medicaid plan and a subsidized one. This CHART is adding to my confusion, with a minimum income for a subsidy that's much lower than what the calculator shows for Medi-Cal...

It hadn't occurred to me that Medicaid would cost the government less money than a subsidized individual plan. Interesting. I follow the rules, so I have no expectation of anything other than what the Affordable Care Act provides. And the way I understand it now, I just need to plan my income...

Thanks for everyone's input. I'm in California which is expanding Medicaid. There probably aren't too many people in my position (low income, but not wanting the Medicaid freebie), so the politicians probably haven't given this issue much thought. But wouldn't it make a lot more sense to be...

The question has been brought up a few times here, but I don’t believe that anyone actually had the answer to this question: If your income is low enough to qualify for Medicaid, do you have the option of buying a regular policy through the exchange and still get a subsidy? None of my searches...

I'm currently filling in for a former co-worker who broke her leg very badly a few days before she planned to retire. Megacorp won't let her retire until her doctor clears her to return to work. I wonder if that might be the case for you, too? If not, I join the chorus in voting to delay...

That's what I'm thinking, too.

I have pre-existing conditions and just got an individual policy for $685 per month (just for me). That's marked up from $474 for those with no P.E. conditions. It's a 70/30 PPO with $1,900 deductible and $2,500 max out of pocket. I've budgeted for 10% increases each year. I hope that's...

Being new to Meniere's Disease, I'm certainly no expert, but I'd say the chances that it could be something else are good if your DH isn't experiencing actual vertigo. There's a big difference between vertigo and dizzy. Also, if his hearing loss is in the high frequencies as opposed to low, that...

Best wishes for a speedy recovery!

Thanks everyone for your replies. I think I'll chew on this for a bit and not make a rash decision. And for those of you who have suffered from vertigo, I'm so sorry you've had to go through that.

I would say replace the large window in my master bedroom with french doors but if that $10K feels anything like the $10K I just made by filling in for a colleage at my former employer, it will probably just end up in my savings account. Note to self... must relearn to live a little for today.

+2. When it's my time, I hope I'm in the same camp as your father.

Hello fellow tightwad! Are you saying to continue to delay the pension as long as possible? Thanks for the 72t info. I have enough in savings that I won't need to go that route.

Here's my post about Cal Cobra, but the short answer is that if your company is self insured, you aren't eligible for Cal-Cobra unless you chose an HMO option prior to leaving your job. I'm happy to hear that Meniere's was ruled out for you!

This falls into the category of “life happens while you’re busy making plans”. I just got a firm Meniere’s Disease diagnosis. For those not familiar with Meniere’s, the symptoms are vertigo, fluctuating hearing loss eventually leading to permanent loss, ear pressure, and tinnitus. The latter...