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fired 9 years ago. Now doctor says I have alzheimier's how do you dance around this one. :popcorn:

As we get near year's end the number of threads on ACA and subsidies are increasing. Early in ER I wasted a couple years doing small roth conversions and not getting subsidies that I could easily qualified for. The last two years I have bypassed subsidies, but I've done roth conversions to...

I've been working on planning multi-year roth conversions and included the tax basis in all accounts that made sense. I then thought about the the retirement income planners. I don't recall that any of those I've used took tax basis into account. In taxable accounts and TIRAs tax basis...

I understand the basics of re-balancing. Pretty simple. You start with your preferred AA. Then as the market ebbs and flows one readjusts back to the original AA based on time or the amount the AA has drifted. Some use few investments to implement their portfolio such as VTI, VXUS and BND...

I've read many threads where posters were at odds with each other or not getting their points across because they were thinking assets were held with differently. I remember one discussion of the SS tax hump where the example was someone who at taken IRA withdraws to just below the SS tax hump...

Fighting with myself on the best way to pay. With other cards and most other bills I just get an ebill and have bill pay take care of it. I set the bill pay account to keep about $3k in it and have it pull from another brokerage account the has dividend paying ETFs in it. The newer Fido credit...

Got a free offer for TurboTax and saw something new. This may have absolutely nothing to do with the tax program, but it has me wondering what else I'm leaving on the table. This year we are not getting a state joint filing tax credit. Last year we got it, but DW had income over left over...

I'd like to keep politics and health insurance debate at bay, but would like to discuss travelling to other places or other methods of getting affordable health care. Specific issue for me is dealing with pacemaker care. Honestly the typical annual treatment is affordable. However, every 8...

Is Dallas next? Dallas has been having retirees take large withdraws from public pensions. Is this the start of the next major city to declare bankruptcy?

Looks like tax software prices are jumping again or adding added fees compared to previous years. This is at least true for me. I have used several different packages over the years, but always a downloaded version. I just like to have the data on my computer and the ability to play with it...

Not sure if this belongs in this forum or "fire and money", but here goes. Our original plan was to get ACA HSA plans and fund the HSA to fund LTC (at least in part. However, now that we are reaching the end of COBRA, other thoughts and issues have come up. First DW may be eligible for a...

I know at least parts of this has been discussed and the problem is likely very dependent one each person's situation. I recall many posts that tended to focus on local marginal rates often focused on ACA subsidies. I expect this problem to need global optimization. What I'm trying to...

What do you look for in a financial adviser? Financial Adviser I found this while researching another one that sent an off dinner for two an a nice local eatery with completing their 3 visit financial planning session. It was not this firm. So take it for what it is. What are your thoughts?

I've been reading up on MLPs and finding some info that is a little unsettling. I'm not real concerned with "return of capital" or the recapture when selling, but other thing I've read online. For example phantom income that can create taxes Other liabilities These are not the only...

So what type (level) of insurance do you use between RE and Medicare. Also are you qualifying for subsidy (ACA or subsidized employer retirement healthcare). If you are willing, some explanation as to why you chose what you did. For me, I'm curious about the trade-off between getting a...

I've seen a number of posts on LTCI. How rates are rising. How its not affordable. How insurance companies are getting out of the business. I'm wonder what your plans for covering this risk... if at all. I've let an other category of other for option I have not sorted. If you're self insure...

life insurance sales people. flexlife... universal life.. what to do.? the variations sound interesting and like you are missing something... what to do? how do you decide with the getting most of the up side of the S&P ... but none of the down side?

Both of us are approx 54, kids grown and on their own. we are both FI, but DW is RE and I have 2 more weeks until RE. We have 10k joint whole like policy and each have a 300k term policy. We are considering letting the terms lapse and converting the whole life's cash value to a variable...

or may be that should be "don't have one" ... little tongue in cheek Plan is to have a few % in cash (MM or banks) and all investments in taxable accounts will not reinvest distributions. All investments in IRA, RIRA will reinvest distributions. The taxable distributions can be used for...

not sure I'm going to call it ER. More likely non-employment for now. I had thought I'd be there before now, long story... work just keeps finding me. I've set my latest exit date 1st quarter next year. This should be just before I hit 54. If I get the terms used here correctly, DW will be...