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    Welcome to the wonderful world of Medicare - long rant

    Well it's finally time to sign my gf up for Medicare. I've been looking forward to this. I'm told it's much simpler and way better than regular health insurance. She can see any doctor, 24 hours a day, no restrictions. Everything's more or less free and she'll be set for the rest of her...
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    Why I think a second wave next winter is inevitable.

    I apologize if this has been discussed already but so much has been posted I don't have time to read it all. I think the biggest determining factor by far in the spread of this disease is the outside temperature. The other factors are: How densely populated a region is. How isolated it is...
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    Dire situation in New York State

    Not sure if this has been posted yet but this is Governor Cuomo's press conference from yesterday. I watched it live. To those of you not in NY State you may have seen portions of it on the national news. It's pretty somber and gloomy and is well worth watching. It really helps you...
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    Cheap flights to Europe - anyone done this before?

    I know this isn't related to ER but so many of you seem to travel a lot I thought I'd ask here. So I may need to fly to Europe at short notice as early as next week. I don't want to mention specifically the cities or airlines involved as I don't want this thread to turn into a competition...
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    Senolytics anyone?

    I've never come across this term before until I read the article below: https://www.theguardian.com/science/2019/sep/02/the-science-of-senolytics-how-a-new-pill-could-spell-the-end-of-ageing It describes research into new drugs that could help people live healthier lives for much longer...
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    Anyone else have problems with bogus hospital bills?

    Sorry this is so long TL;DR - Hospital billing department is useless. Here's the situation. Last year my gf had cardiac rehab (amongst other things) from mid March through early June. She met her max out of pocket for the year. In February of this year we called the insurance company since...
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    Absolutely Heartless

    I don't know if this story has ever been posted here: https://www.theguardian.com/uk-news/2019/apr/30/man-jailed-over-plot-to-dump-us-man-with-dementia-in-hereford But I hope the son gets put away for a long, long time for a stunt like this. The mother has a lot to answer for too.
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    Interest rates on the rise finally?

    Logged in this morning and noticed that CIT bank have jacked the rate on my savings account with them to 1.55% from 1.35% - no minimum deposit. Looks like the rate of interest rate increases is beginning to accelerate after years of mediocre rates and increases. I expect other banks will raise...
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    AMT Credit

    For 2016 I had a huge tax bill, both Federal and State. That year I sold a large amount of ISO stock and got hit really badly by both AMT (for the first time) and the fact that I had some large capital gains. I retired in early 2017 and the main reason for selling the stock was so that I didn't...
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    Whine list from recent trip to NM.

    Just got back earlier this week from a trip to Southern New Mexico - 12 nights - 7 hotels. We had a great time. Too many wonderful experiences to relate so I'll just mention the bad stuff and one good thing. 1. At one hotel I had the worst hotel experience I have ever had and I have traveled...
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    Health care costs in NY State

    [Sorry this kind of turned into an ad for New York state.] I've been looking through some of the other threads here and see people posting large numbers for their health care premiums, much, much higher than what I'm paying. I live in upstate New York and New York state has a reputation for the...
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    Ally Bank CD rates illogical ?

    I'm not sure I understand the logic behind how they set the yields on their CDs. Here are the rates that Ally Bank are currently offering Savings 1.05% 3 month - $5000 0.30%, $5000-25000 0.34%, $25,000+ 0.39% 6 month - $5000 0.60%, $5000-25000 0.63%, $25,000+ 0.67% 9 month - $5000 1.00%...
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    Dental treatment

    Well I started to read the other thread about the AHCA and was planning to reply but sadly it's been closed - so I'll keep my opinions to myself on that. In the meantime, last week was time for my first semi-annual dental check-up since ER'ing. I don't have dental insurance - all the plans I...
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    Need advice on cost basis calculation for mutual fund sale

    Any help on this would be much appreciated. Every year for the last 6-7 years I've done my gf's brother's taxes. They are usually straightforward but this year he sold part of a mutual fund that he owns. He sold $1000 worth of shares or 61.996 to be exact. He gave me the paper work over...
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    Yet another withdrawal strategy thread

    Apologies if this has been discussed ad-nauseum already. Just 3 weeks left now and I've been thinking a lot more carefully about my withdrawal strategy. The initial plan was to withdraw around 4.5-5% until SS kicks in and then reduce that to less than 4%. However, with the recent market rise...
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    Live in gf and separate health plans

    I'm planning to retire in January and sign up for health care on the local exchange. I've been with my gf for a long time now. She has no effective income and I claim her as a dependent on my tax return. She has type I diabetes and requires a lot of health care. I on the other hand have been...
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    Hi I am NameRedacted (Sorry I'm not retired yet)

    I don't want to use my real name until retired, I'm afraid. In the meantime you can call me NameRedacted but my close friends call me Name. I've been lurking here for about 2-3 weeks and I wish I had found this site earlier. I'm most impressed with the depth and breadth of knowledge...
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