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    Removing Retirement Money?

    Is there a way to remove some of my retirement money for a down payment without it going toward my yearly income? I am getting a subsidy for the ACA insurance, but it I get more money/income I loose the subsidy. I am 65, but my wife is 60 so no penalties should be involved. She is the only...
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    Cancelling ACA for Medicare?

    Will I have to contact my ACA health care insurer and Healthcare.gov when I switch to Medicare and a supplemental plan to cancel or will this occur automatically? I will be traveling at that time and I do not want to get double billed.
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    How to Apply for Individual Health Insurance?

    It was suggested on another thread that we (wife and myself) get individual policies being I will be turning 65 next September. I found a better and cheaper policy by doing this. Now a few questions. 1) We file our taxes jointly so will that be an issue? 2) I was told to simply split our...
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    What State to Get Health (ACA) Insurance From?

    I am selling my home in Louisiana and will move to Alabama. I have to sign up before I move, but I won't become a resident of Alabama until around the middle of the year. We will travel for a while to visit friends and family while the new house is being built. How do I decide what state to...
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    $500,000 in No-Risk Savings Account?

    With the recent downturn (which has upturned some) I am researching a different route for our $500,000. It is now with an investment firm which all of the accounts take hits when the market is down, but they also gain when the markets are good. Since I started drawing money two years ago it...
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    ACA & Medicare???

    For the last two years my wife and I have been getting our health insurance using ACA. I will be turning 65 next September/2016 and I have no idea what the medicare setup will be. So I have a few questions. 1) What happens when I do turn 65? 2) Will medicare start taking money from my SS...
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    Alabama ACA Insurance Costs?

    We are thinking of moving from Louisiana to Alabama next year. Will the ACA insurance cost any different from one state to the other?
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    ACA Enrollment Questions

    I have posted the following questions on other ACA threads, but I have not received any definite answers so decided to try here. 1) What does "multi-state" mean? We travel a lot out of state in our motorhome, but only have one home address. 2) When I first enrolled for my wife and myself...
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    Eligibility and Subsidy Questions

    I have been approved for a subsidy, but have several questions. 1) I received an email telling me I have a notice on the Healthcare.org website, but I cannot find it. The Live Chat could not help me either. Where will the notice be at? 2) What will the chances be that somewhere down the...
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    Fees Taking a Third of Profit ?

    On part of my retirement money I am currently getting the dividends and interest sent to me instead of being rolled back into the funds. This amounts to about $12,000 year. But a little over $4,000 comes out for the investment company fees. This is a third of my money I am giving back to the...
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    Big Ticket Item after Retiring???

    We are in the process of selling our fifth wheel trailer and truck to buy a motorhome. I am retired and of course on a fixed income. I also have monthly deposits off of my separate 401k plans. Will I be able to get financing for the motorhome? I plan on putting about 30% down. Surely...
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    Humana vs Blue Cross??

    Being I am retired and my wife will be in a few years we need to get some insurance in case of some emergency. Going through "Ehealthinsurance" there are several plans with both Humana and Blue Cross for us in Louisiana. They range from $300 up depending on the plan and deductible. We are...
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    AARP vs EhealthInsurance Quotes?

    Without having to find an actual agent from Aetna to get a quote how much difference will the AARP/Aetna plans be from the Ehealth quotes? For my situation the best quotes from Ehealth range from $260 to $500+.
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    Cashing in 401k???

    In a month I want to move my 401k somewhere that will earn something and be safe. I already have a financial adviser (for years), but am looking at my options for this $$. Any ideas?
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    Hey from Louisiana

    Due to work related stress I have decided to call it quits and look into early retirement. I will be 62 in a little over 13 months. I have been in construction since 1975 and I have been in the supervisory position for 20 years. My wife is 5 years younger so she will have to work. We have a...
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