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    Anyone else plan to take SS early, to stay in a lower tax bracket?

    I believe this may be true once you reach FRA.
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    Anyone else plan to take SS early, to stay in a lower tax bracket?

    I am surprised no one has mentioned solvency issues in just over a decade. There has been talk the plan may only be able to pay 75% of current projections beyond 2035.
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    O&G stocks

    Yikes :eek:
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    Looking at ACA BCBS PPO Bronze - Do you like your Bronze plan? Thanks!

    I have a BCBS Bronze Plan but it's nearly $1200/month for wife and I and same deductible as the plan you have $7000 individual $14k combined. How did you get a quote that cheap? edit: Me bad - our plan is an HMO
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    I like this formula to assess Market risk

    10 year hit 2.03 today :(
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    Social Security redesigned your statement, here’s why you should take a long, hard lo

    Not sure if this has been posted. https://www.marketwatch.com/story/social-security-redesigned-your-statement-heres-why-you-should-take-a-long-hard-look-at-it-11637338374?mod=home-page https://www.ssa.gov/ Very nice intuitive UI imo.
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    HRA Notice Post Retirement

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    HRA Notice Post Retirement

    Thank you for your quick response and pointing out the error regarding the start of my Cobra policy. Here are some screen shots from the HC.Gov site as they presented themselves and guidelines from the IRS site depicting employers responsibility.
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    HRA Notice Post Retirement

    Cobra ending on the 30th of this month November. Consequently I need to enroll in Open Market ACA for one month of 21' and then turn round and and re enroll for 2022'. Never been through Open Enrollment through Healthcare.Gov they are asking specific questions regarding my HRA Account thru my...
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    New ACA Subsidy In Relief Package?

    Really. I don't think so. Lets make everyone pay the same so some of us aren't paying 18/k in premiums.
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    COBRA administrator incompetent. Do I lose out if I elect ACA instead?

    I am confident I could choose an ACA plan that includes my PCP and wifes doctors. When it comes to specialists for something you have never needed service for however I am a bit skeptical based on that conversation I had with the front desk for a specialist I needed. It definitely has me...
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    COBRA administrator incompetent. Do I lose out if I elect ACA instead?

    60 would be nice. Right now I'd settle for 62.
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    COBRA administrator incompetent. Do I lose out if I elect ACA instead?

    Unfortunately it is only 18 months then you have to make a decision as to where to go for insurance.
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    COBRA administrator incompetent. Do I lose out if I elect ACA instead?

    yeah it sucks. I have a lot of research to do prior to November to see how this plays out.:frown:
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    COBRA administrator incompetent. Do I lose out if I elect ACA instead?

    Year ago this time I needed to see a urologist (specialist) and wanted a board certified professional which I researched found and was very happy with. That being said during the initial phone call to schedule appointment naturally the subject of "what insurance do you have" comes up. I...
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    Dental Services Through Dental Schools

    My area has an excellent dental school which offers dental services through the students. Has anyone taken advantage of their local universties providing theses services and did you save any money compared to your typical private run practices. Also if you have gone this route and have dental...
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    Fidelity Retirement Analysis

    Thanks.
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    Fidelity Retirement Analysis

    Have use the Fido Calculator not familiar with RIP? however
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    consumption of ultra-processed foods leads to advanced aging at the cellular level

    perhaps have the capacity to do so only 14% actually do.. Not great odds.
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    Dental implant or not?

    Implants do not always work. Ask me how I know :( When they fail it's not only mortifying when they pry them out it winds up being very expensive. Make sure you ask questions.
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    Hold off to add to equities until October? Some data...

    16' paid well for those who stayed the course.
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    Lawns, the care/feeding/maintenance of

    I have a Flume water use device strapped to my water meter. @ 6 zones watering 10k square feet of grass adequately at current rates it's $8.35/day.
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    How I became comfortable with managing retirement

    .
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    Health Care Expense as a Percentage of Annual Expenses

    I believe you could get into a situation where you have save for many years and not have quite enough to pull the trigger and Fire because of HC costs. My wife and I went back and forth about it for a few years before I ended up pulling the trigger this past June. It still hurts thinking about...
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    Health Care Expense as a Percentage of Annual Expenses

    Back in 85' when I really started saving for retirement I never thought HC would increase as much as it did. :facepalm:
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