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NY Medigap premiums are higher than other states. Plan N for 65 year old male: $112 in NJ. $220 in Staten Island

The doctor put that diagnosis on the lab order to make sure that medicare covers your lab work

Choose “generic” on GoodRx and you get the lower price

No they don’t. To create a medicare account, you need medicare number which is assigned to you after your medicare application is approved

From IRS: “If you file your return without your IRS assigned IP PIN: We’ll reject your electronic return, and you won't be able to e-file We’ll subject your paper return to additional screenings to validate your identity, delaying any refund you may be due”

+1. GoodRx (free version) website also shows the drug prices in various pharmacies in your zip code. CVS typically is most expensive. My Ezetimibe (Lipid reduction) is significantly cheaper using GoodRx compared to my Part D insurance.

I highly recommend that people go Medicare.gov and compare the premiums for plan N and G for the same insurance provider, before making a decision. My Plan N premium is $112/month and Plan G would have been $168/month (both UHC). That covers a lot of copays! Remember that copays are only for...

It didn’t feel short when it was happening

I just signed up for Plan N. Before doing that, I put my zip code on “find care” on Medicare.gov with many specialities. I didn’t find a single doctor within 50 miles that accepted Medicare but charged the excess charge

Reduce spam on wireless ActiveArmor (free version) from AT&T blocks many of my spam calls

Keep the 2024 RMD date in the calculator. Enter your other data and it will show correct results. I just ran your numbers and get $76,652. It shows RMD of zero from 2024 to 2036. Shows the growth and the RMD

Works perfectly for me

According to the BLS calculator. $10 in 1960 had the same purchase power as $104 today. https://data.bls.gov/cgi-bin/cpicalc.pl

Because of your post, I did my calculations as of 10/31. I only have 5 holdings, no dividend reinvestment. All of the dividends get manually invested in VOO (Once a quarter). Every one of my holdings return as displayed by Vanguard (as of 10/31) match my numbers.

Vanguard calculation is as of 10/31/23.

Vanguard updates the performance percentage at end of the month. Under the performance percentage you will see as 10/31/2023. The $ figure is as of yesterday, but the percentage is as of October 31. If the markets remain where they are, you should see a big jump when it’s updated to 11/30

Drugs Manufactured in India A couple of meds that I buy from CVS are manufactured in India. Found out by peeling off the pharmacist label. So now on my India trip I buy the same drugs at a deep discount

Here’s an updated RMD calculator https://www.aarp.org/work/retirement-planning/required-minimum-distribution-calculator.html

It was the free (limited) Wi-Fi (I am not T-Mobile customer). I could send text messages and iMessages only. This is the first time I have seen it on United (two weeks ago)

I used AirTags for the first time on my trip to Europe. Had one in my handbag and one in my checked in bag. I could track it in flight. So cool

Dealing with TD customer service is likely to deter the hackers

Assuming no bankruptcy, consider the impact of social security taxes. Depending on your annual income you may end up paying more SS taxes by deferring

While you got multiple replies, for the specific question you had, use the following calculator that lets you play with rate and years variables to give a present value. https://www.bankrate.com/investing/annuity-calculator/

Based on the numbers here and the general spend habits, posters of this forum will be a part of the great wealth transfer

Just got my apartment lease renewal notice. My complex has had no vacancies and has a long waiting list. Pleasantly surprised to see an increase of only 2.6%.