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DGF is on ACA and has been since 2015. So far so good and although she has had three different providers she has always been able to keep the same Dr's. She does not work and being a former nurse is terrified about having to go on medicaid. So we have been converting her TIRA to Roth to get...

Received an email from TurboTax today. Stated the following: "Because of an error in a TurboTax calculation, you have overstated your allowed deductions allocable to investment income, leading to an understatement of Net Investment Income. As a result, you have underpaid your federal income...

Today is my 10 year anniversary from MegaCorp. Flew by pretty quickly but as they say "time flies when you are having fun"!;D Made some major life changes over the last decade. Sold several homes, bought and remodeled another. Relocated to the Southwest from the Rocky Mountains. We travel...

If I understand the ACA rules correctly one must have a minimum income level in order to qualify for subsidies and cost sharing. In 2018 for a single person that amount is $12,140. If you fall below that level you'll get thrown into the Medicaid depending on your state's rules. Here is the...

Question for the collective: DGF has been on ACA silver plans for 4 years now. Plans have been good so far and given she has no income she has converted IRA to Roth IRA to get her to an income level where she gets maximum subsidies and cost sharing. Starting in 2019 she only has about $10k...

GF and I are thinking that we should start gifting some of the estate to our children and grandchildren now rather than waiting till we pass to that great lawn chair in the sky. We have more in assets than we could conceivably spend in the next 30 years along with pensions, profit sharing and...

So who do you think will win? As an Alumnus of Oregon I am all in on the Ducks! And since the game is in my backyard we will be heading out in a few hours to see the game.:dance:

A question for the pension experts out there. If someone takes a pension before the year they turn 59 1/2 will they be hit with a 10% penalty? They separated at the age of 57 from their company. I was under the impression that if someone was older than 55 when they retired that there would...

Any Quicken users upgrade to Quicken 2017? I am currently using 2014 version. I think that I will lose on line services in April of 2017.

had a $10m Umbrella policy through my former megacorp for years. They finally took me off the coverage recently and I need to get a new one. What levels do people have here? Do you cover 100% of your net worth or just some portion of it? Thanks in advance for your input!:coolsmiley:

Today marks my 7th anniversary of FIRE. :dance: Things couldn't have gone any better and I have no regrets of pulling the plug when I did. Took a while to learn how to spend instead of save but I'm getting better at it. Certainly helps that net worth has continued to grow over the last seven...

First tip off is about to go up for this years tournament. Who do you have in your pool to win it all? I've got Michigan St although I'm hoping for a good run from my Oregon Ducks!:dance:

My Quicken 2014 doesn't seem to be downloading quotes today. Anyone else having problems? Believe I have till April 2017 before I have to download new version in order to continue to get quotes? >:(

I FIRE'd in July 2009. Since then I have continued on the payroll as a "consultant". Didn't really do a whole lot in the last 6.5 years other than answer a few questions from lawyers. It really was more like a non compete. Well that arrangement is coming to an end on December 31st. So...

First time ACA buyer in Scottsdale Az. Anyone have any comments/suggestions on a Silver Plan? Seems as though BCBS, Cigna and Phoenix Health have the most plans. Not thrilled with Phoenix Health hospitals but it is the cheapest of the three. Any suggestions would be appreciated.

so, it's been a busy real estate month for me. We are almost done with our Scottsdale remodel (one more month) and our house in Denver is under contract :dance:. Last loose end to tie up is our current Scottsdale home. It's in a nice gated development of about 50 homes. It is not on the golf...

Currently reside in state of Colorado but have another home in Arizona. Have bank accounts, cars, dr's, etc in Colorado so that has been considered our state of residency. We also spend slightly more than half the time in Colorado. Have just signed a contract to sell our house in...

We are wrapping up a remodel project here in Scottsdale and will soon be ready to put our existing house on the market. We have had five individuals express interest in purchasing our current home prior to it being listed. We intend to let all five take a look at the place and then if there...

Got my turbotax downloaded the other day and since it was actually raining here in Az this morning thought I would drop in some numbers and see what spits out. Lo and behold, unless I entered something wrong, it looks like I am going to get hit with an AMT tax of about $8k. A first for me...

Came across this site which is available free or for a fee should you choose the Premium service. Plug in your accounts and it gives recommendations and projections on performance, diversity, fee efficiency and tax efficiency. Pretty easy to use and I can't say that I totally disagree with...

Received a Quicken 2015 CD in the mail yesterday. Currently using 2014 and am not inclined to upgrade to the new version. Offer for my Premier version is $10 off the $104.99 price. Seems as though I see Quicken Premier for sale at Costco for a lot less than $94.99. The only thing Intuit...

Today is the fifth anniversary of my retirement. ;D I couldn't be happier with how it has gone so far. Thanks to all on this forum who helped make the transition a smooth one!

Closed on a house in Scottsdale, Az today. Going to be quite a remodel job but in the end it will be well worth it. Next week we head back to Colorado to put the house there on the market. When it sells, or November, whichever comes first we will relocate to Az full time. While the new house...

Just got my bill from State Farm for six months of long term care insurance. Price went up a whopping 40% over what I have paid since 2003. Annualized since 2003 I guess it's only 4% but man...that seems like quite a jump. Anyone else see dramatic increases lately?

The November issue of Money Magazine has a 26 page special report on Retirement. As with most things Money Magazine there are a few nuggets to pick up but also a lot of pretty basic stuff. The author of the story was trolling around on this site looking for folks to talk to about early...