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Definitely age 70. The 8% return is too much for me to give up, and my mother's family lives a long time. Dad's side, not so much, but they were all smokers.

I would definitely see if any medical benefits are tied to your pension before making the decision.

Thanks! Great advice.

I know. It's pretty scary stuff. My dad and his wife life there and they are hunkered down.

My Dad never went to college. He was a welder and saved his money, bought rental properties, and then got a great job in Alaska. He was able to retire at age 50 but waited until he was 55. He never brought stress home with him, unlike most of us that work white collar jobs. The issue with...

Do you need to cool this down prior to plugging it into your car? I live 2 hours away from a Costco and this would be great to have when we make our quarterly trips. Right now I don't buy anything cold because it won't make it home in good condition.

I know several people who have gotten it and survived. I live in a 55+ community and they are not taking it very seriously IMHO. I keep staying home and trying to move 6 feet away when people are talking with me. Until someone they know gets it and either gets very sick or dies, a lot of...

I keep a little in gold. Always have. But its not a huge part of my portfolio. I figure I can always melt it down someday and turn it into a bunch of earings.

Why not both?

I didn't sell, but I've been Dollar Cost Averaging a lump sum since last year. I've increased my monthly contributions from the cash account to speed up the process. So far, so good.

Thanks for the warm welcome everyone! I really appreciate it. Looking forward to getting to know all of you in the forum!

That's what I'm hoping for!

Better now than never!

Ha Ha you are too funny!;D

Yes, I got another cholesterol check and it had gone down (with medication). So with my doctors approval I went off the meds for six weeks, but it went back up to 263, so I'm back on meds now. My cholesterol has always been high, but with COVID-19 wrecking havoc on my exercise plan, it's above...

I don't think any companies are offering unlimited benefit period any more.

Before you meet with a broker, get informed so that you aren't sold something that you don't understand. My husband was told by a Medicare insurance guy that he didn't need a drug plan because he didn't take any drugs. Now he pays a penalty that is more than what the drug plan costs. Every...

I will work on colored pencil drawings. And I will still work, but not as a Financial Planner. I have a website that talks about Medicare.

Hi Y'all! I'm new here. Retiring from Financial Planning at the end of the year. Looking forward to getting to know all y'all! Kathe :greetings10:

It seems to me (from my chemistry classes) that if you want alkaline water, all you have to do is add a little baking soda. No need to purchase expensive bottled water. What am I missing?

I agree. Just because the insurance company is waiving the co-pays doesn't mean that the doctor is getting less money. Sometimes doctors offices ask for things because it's their "procedure". For example, I never put my Social Security number on their forms. They don't need it. So if you...

Wow that is crazy. I was on the Keto diet for two years after my husband was diagnosed with stage four cancer. We cut carbs dramatically. Me more than him. This year I got my cholesterol checked at it was 439. That's right. Not a typo. Needless to say, I'm no longer on Keto. And I've lost...

I bought my policy when I was 42. They don't sell it anymore but I'm glad I got it. It was with UNUM. It has a lifetime benefit with a 5% increase every year. Everyone said I was crazy when I bought it, but now that I'm seeing what's happening with my Dad, I'm so glad I got it when I did.

No one who sells Medicare insurance is a fiduciary. The agents that work for the company are selling the company plan, and brokers are often selling the plan where they earn the highest compensation. And financial advisors who are fiduciaries rarely know anything about Medicare.

:nonono: I disagree with your broker. (Disclaimer, I'm your broker's competition). I have clients who's drug expenses are in the tens of thousands of dollars, with a Medicare Drug Plan. Save as much as you can through your HSA. Once you are eligible for Medicare, you won't be able to...