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I agree, the OP is not doing enough large annual conversions. We're at the very bottom of the 24% bracket on pensions, social security, and modest fixed income/cash. We've been doing conversions since we retired at 59.5, and at that point we had zero in Roth and all in TDA. After 10 years of...

I've gone through several diagnostic protocols before treatment for my prostate cancer: PSA, Exosome Test, MRI, Fusion Biopsy, and PetSCan. The game changer for me was the Genomic Testing (there are two prevalent types, Decipher and Oncotype DX) -- this resulted in more aggressive treatment for...

Ok. I'm on the waitlist for these two: https://thecypressofcharlotte.com/ https://www.southminster.org/ We're strongly favoring the first one because of its equity ownership feature, dining plans and services, and a better feel of the place for us, some of which based on personal interactions...

True, but the Newsweek rankings have some surprising entries -- though I haven't studied them in depth. I will point out that the 2nd ranked CCRC on this list recently emerged from Bankruptcy in 2023 and I believe the Dallas Morning News reported on its saga of high growth, unrealistic...

Never bothered to find out. I retired in 2013, and wasn't eligible for SS retirement benefits in 2013, as I didn't have enough credits (or quarters of coverage, as we used to say, back in the day). I worked several days in 2015-16, as a 1099 consultant, and met the earnings requirements for SS...

I'm ok with WEP. My WEP reduced payment is $350 per month, and I crawled over 10 years in SS credits. And my wife got half of my WEP reduced payment when she was able to file a restrictive application and spousal benefits on my account, when previously allowed several years ago under the old...

An issue with any of the analysis of prior years is that you can't really forecast future sustainability in the event of black swan events, like a pandemic, which resulted in several luxury level CCRCs in TX and IL going into Chapter 11 -- and all this occurred with significant Government...

Time2, Well, I agree that biopsies can be an unnecessary procedure but seriously PSA screening! So, you get a PSA baseline and if it doubles in two years, keep watching it. And if it spikes a lot higher in one period -- yes, go get some other test: like the EXoDX urine test, which I'm told is...

Your journey seems very similar to mine this summer, except we used a different genetic test (Oncotype DX, known as Genomic Prostate Score or GPS) and my treatment will likely be hormonal therapy with radiation EBRT, which is likely to be my best chance for controlling the localized prostate...

I think I have a good idea to this question but I’ll ask anyway: Does the second person fee stay with the couple if one or both go into the assisted living or skilled nursing quarters of your CCRC? And if home care for assisted living in your unit for one person is provided by the CCRC, is that...

We stayed in this hotel for 2 days after a river cruise in France and before heading out to Mallorca for a week, several years ago. It was off the major tourist spots, a block away from the metro/subway and across the street from a giant mall. The hotel itself was unique (when we were there...

I don't think that's true based on my limited, recent experience with a Fidelity brokerage account I funded several weeks ago. I funded the account with a wire into the account from a bank account. The cash was parked in the default core position, SPAXX, for this taxable brokerage account, which...

Just a counter point here, I'm a retired Fed at 69.75 years old and wife at 72. We've had Federal LTCi policies since 2003. The policies afford us with options for LTC, including residence in a CCRC, which I didn't know about when we took out the LTCi policies but we heard about CCRCs when we...

There are also Type B contracts in which CCRCs will gladly take LTCi. These facilities also require a entrance fee and offer discounted rates for skilled nursing care if needed on campus. Here are two of them in my area, each has a different business model for its CCRC, but the contacts are...

There are CCRCs that have Early Admission programs in which for a specified fee you gain admission to the CCRC but wait for permanent move into the CCRC while you age in place at your home, take in all the benefits and amenities of the CCRC, and avail yourself of any home care assistance that...

Yes. I used to pay out of pocket for our LTCi premiums, intending to later reimburse myself from our HSAs as they grew from equity investments. Around 6 years ago, I decided to pay our monthly LTCi premiums from HSA funds. This was designed to reduce my reimbursement paperwork and downsize the...

I think we're veering of course when we start assessing the benefits of Medicare Advantage Plans vs. traditional Medicare plus supplemental plans. Here is how one CCRC, The Forest at Duke in the Research Triangle Area of NC treats medical insurance coverage. I hasten to point out that this CCRC...

I don’t think anyone is painting with a broad brush about the coverage regarding Medicare Advantage plans, but posts here point out that some (and maybe all) CCRCs want their residents to have traditional Medicare plus Supplemental Plan or some other retiree health insurance coverage not wedded...

I think the stated requirement for CCRCs that they only take traditional Medicare plus a Medicare Supplemental Policy stems from their familarity with this coverage and the fact that it's fairly comprehensive (and I note I haven't heard of any CCRC requiring Medicare Part D drug coverage)...

It could be that a CCRC that is Medicaid certified no longer takes new Medicaid residents and is transitioning out of being a Medicaid facility. I don’t know if that’s the case with your mother’s CCRC, but it seems the case with one of the oldest and largest CCRCs in Charlotte.

Some of the more established CCRCs in NC are Medicaid certified and thus have Medicaid residents. You can peruse the CCRCs in NC that have Medicaid certified status from this official NC Guide on CCRCs...

I've heard this sentiment expressed by many who've had a parent in a CCRC; of course, it helps that the CCRC was very suitable and an enjoyable place for them. As we research and investigate CCRCs, for those in which we are waitlisted, we have our children and occasionally similarly situated...

A number of reasons, but suffice it to say I bought my policy at age 48 in 2002 from the Federal Long Term Care Insurance Program when the program first became available to Federal employees and it seemed like a good deal to me of then modest income, net worth, and salary, in case my wife or I...

I can assure you we have financial resources to cover $30-40K per month of skilled nursing care at home for at least 20 years without impoverishing ourselves. It helps to have pensions and social security (COLA protected) that throw off $17.5K monhly income, a sizeable investment and retirement...

I think you distort a few issues here. Disclaimer: I have LTCi, waitlisted on two CCRCs, and can easily age in place given our financial resources and in a home that was customized for a disabled child and perfect for aging seniors, with 2 bedrooms on the ground floor, wheelchair accessibility...