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Be aware that if you redeem them at maturity before 59 1/2, there is a 10% IRS penalty. Even for after tax accounts. I found this out the hard way when my Fidelity advisor recommended cashing them out at maturity. If she put them in my husband’s name as the annuitant, we would have saved a...

I was struggling with OMY for a few years. My last 2 years of w*rk I cut back to 4 days/week. I took Wednesdays off, which was a perfect way to break up the week. As a "type A" personality, I knew I would get bored with three day weekends. I found it refreshingly liberating and enjoyable. It...

My daughter had difficulty because her Fidelity account was in her name only and her CU account was joint. Are both of your accounts individual?

Some practicioners specialize in hypnosis, which they do primarily. They will advertise as such and list their certifications. (There are many certifications, but none required). You can reach out to psychologists or other psychotherapists and ask if they do hypnosis. Otherwise, word of mouth...

I have done a great deal of hypnosis with my patients. It is extremely effective for irrational fears and habit control (smoking, weight loss etc). I mentioned irrational fears, because rational fears (eg, fear of lions, masked men with guns, etc ) are self-preserving and can’t/shouldn't be...

I’m following, as we are taking the opposite route .We are flying in to Bergen for a few days, then take the train to Oslo for 2 days prior to our Scotland intensive cruise. This departs from Oslo in August. Any recommendations for hotels Or AirBNB would be appreciated!

Congratulations!I cut back to 4 days/week for my final 2 years before Fire. I couldn’t believe the difference one day made in my stress level and ability to enjoy my time. It was so much easier to find balance in life. Due to the progressive income tax (and self-employment tax) I didn’t lose...

Thanks all for the schedule C info!

Does anybody know if the free Fidelity Version charges extra for a schedule C? If so, how much? Thanks

Welcome to the forum!

NWSteve, where are you staying in Bergen? We will be there in August before our cruise

Yes, if our expenses were higher than the OON deductible, they would have paid the difference. Just like at home. But with an $8500 OON deductible, it was nice to have the secondary insurance cover it all. Fwiw, if you have an emergency, be sure to bring your passport, credit cards and...

You are confused because you are focusing on the logic behind their numbers. One more year syndrome is mostly psychological and rarely logical.

No, BCBS didnt pay anything, applying it all toward the OON deductible. The deductible was higher than the bill. The trip insurance (secondary) covered it completely. I don’t believe we paid anything out of pocket. I only raised the issue because many believe that since their primary insurance...

I think it’s a good idea to get the secondary insurance. We have BCBS and they did not pay anything for my husband’s hospitalization in Cancun. Since they were considered “out of network” for BCBS, they applied the total cost to our Out of network deductible. This will likely be the case for...

It took over 10 months for my husband and me to get renewed. I required a zoom interview, which was completed within a week of informing me that one was required. The interview was less than 7 minutes and she asked the same questions that I entered online. We continued to use our GE while...

We did a Mediterranean cruise on Azamara. We haven’t taken the Alaskan cruise yet, but it sounds amazing. We love the cruise line. The ships are small (less than 600 people) so they can get into smaller ports, and there’s no waiting in line. The food is amazing. (Drinks and tips are included)...

We have been pleased with Laura Dodson at Cruz Holidays. We use her for our cruises, but she does plane and hotel reservations too. Email laura@cruzholidays.com

Welcome! Thank you for sharing your bio. You sound resilient, which in combination with faith will get you to your goals.

+1

We just took our first cruise on Azamara. It is a small boutique cruise ship that focuses on country intensive itineraries. We did the Italy Intensive cruise. Upon boarding, we purchased an upgraded cabin. We then booked a Scotland intensive cruise for next year. I wouldn’t have paid for...

It was just announced that the cruise port in Barcelona will be changed to a different port. I don’t know the details, but I would get further information about the new location prior to booking a hotel.

We are in Italy now and didn’t have any baggage inspections. We brought a 45 day supply in original bottles. I brought the medication list from our electronic medical records just in case. Be careful about which medications are not allowed. ADHD Medications (ie, Ritalin) and some narcotics, for...

Congratulations! Welcome to the club! You won’t regret it.

Thanks for the reminder. We are leaving for Europe tomorrow and will check our cards.