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  1. M Paquette

    14 years retired, still going strong!

    Well, I’m still alive and kicking after 14 years of retirement. I’m Michelle Paquette, and used to be fairly active here until I had to take a break from online life to deal with personal issues. Since then, life has been interesting. I’ve relocated twice, gone through a divorce, remarried...
  2. M Paquette

    The Dutch Village (really assisted living) Where Everyone Has Dementia

    This is interesting, and a novel way to address assisted living for dementia patients. The Dutch Village Where Everyone Has Dementia - The Atlantic The housing setup here is really interesting. Homes are decorated, and set up as group living facilities, for the period in which the patient...
  3. M Paquette

    Minimal actual impact of budget fuss on PPACA

    Some folks have been worried about medical insurance planning, particularly with the new PPACA insurance exchanges scheduled to come on-line on October 1, roughly when the US Federal budget expires and the debt ceiling is reached. I know I have been, as I am one of those retirees without a...
  4. M Paquette

    We're gonna need more minutes... (cellphones)

    Oh, frabjous joy! The Distinguished Gentlemen Towns and Terry of the US House of Representatives, Finding Themselves with Time on their Hands, have introduced the following: H. R. 3035 A BILL To amend the Communications Act of 1934 to permit informational calls to mobile telephone numbers...
  5. M Paquette

    "The Basic Laws of Human Stupidity"

    The things one finds on the Internet... This is from an essay first published in 1976 by the Italian economic historian Carlo Cipolla. The Basic Laws of Human Stupidity "Always and inevitably everyone underestimates the number of stupid individuals in circulation." "The probability that a...
  6. M Paquette

    Tech the kids don't understand

    I had an odd experience. The local Comcast salesperson came by, and instead of simply ignoring him I thought I'd find out exactly what he was selling. He's polite, says "Hello", and looks at the address listed on his clipboard. There's some other information there, too. "I see you've never...
  7. M Paquette

    Ryan-Rivlin Plan for Medicare & Medicaid Reform

    The actual bill is to be introduced next week. The Congressional Budget Office did a preliminary analysis last November. I suspect there may be some political interest in the bill, so I'm starting this thread here rather than let it run amuck in the Health & Early Retirement Forum...
  8. M Paquette

    New Hot Christmas toy?

    Playmobil Security Checkpoint It seems to be sold out. Just as well, I suppose. From the comments, many of the parents were disappointed:
  9. M Paquette

    Another quarter; another round of rate hikes for California

    Just in time for the last fiscal quarter of the year, California will be seeing another round of rate hikes for individual health insurance premiums. VendorAverage HikeMaximumAffected Subscribers Aetna19%30%65,000 Anthem Blue Cross14%20%800,000 Blue Shield19%29%250,000 Health Net16%25%38,000...
  10. M Paquette

    Challenge: Stabilize the Debt

    Here's an interesting simulator, that provides a pretty fair smorgasbord of budget cutting and taxation options, and asks you to simply shave a projected US debt in 2018 from 66% of GDP to 60%. That sounds like a pretty small change. It's harder than it looks, particularly if you think of...
  11. M Paquette

    I'm not the only one made 'high risk' by silly things!

    At least now I know I'm not alone. "Applicants dismayed as minor medical conditions lead to insurance denials or big hike in premiums" I'm pretty sure someone [MOD EDIT] will be along shortly to explain the terribly high cost of Lamisil, and how toenail fungus sufferers are prone to...
  12. M Paquette

    Article - Annuities: Good, Bad, or Ugly?

    Mel Lindauer of Bogleheads fame has started a six article series on annuities in his "The Bogleheads View" column at Forbes. Annuities: Good, Bad Or Ugly? - Forbes.com The first article gets into the basics, "What is an annuity?", kinds of annuities, fees associated with annuities, and the...
  13. M Paquette

    Thanks, Moderators and Admins!

    I'm not reporting a bug or problem! I just wanted to thank the moderators and admins for keeping this board up, running, and reasonably sane, on a day that could easily have whole forums running into the weeds. Thanks, folks! :flowers: :flowers: :flowers: :flowers: :flowers: :flowers...
  14. M Paquette

    House "Affordable Health Care for America Act"

    I've been reading through the House legislation released last week, trying to write a decent summary. Some folks over at politico.com beat me to it. This is a good summary of the House legislation. I recommend reading it in preference to much of the editorializing and commentary already...
  15. M Paquette

    Vacation homes for the FIRE'd

    I found myself looking at some real estate web sites last night, scoping out vacation homes. There's some cheap stuff out there. I've gotten some feedback in the past that I'm 'too old' to go have a vacation home, now that the kids are grown. Heck, I'm not quite 56, so I have a few good years...
  16. M Paquette

    Stuff. Weirdest stuff? Oldest stuff?

    Everybody's got stuff. Who has the weirdest stuff? Who has the oldest stuff? What kind of stuff have you got? YouTube - George Carlin Talks About "Stuff"
  17. M Paquette

    No health care for you! Come back one year...

    I got the results back on my application for a family high deductible/HSA plan today. DD: Accepted DW: Denied Mine: The dog ate it? So, DD is covered by a family high deductible plan, the wife isn't, and they lost my application. Uh huh. And all three of us applied on the same online form...
  18. M Paquette

    For all the retired submariners out there...

    List of suggested things to be done at home for the ex-submariner that misses "the good old days on the boat". - a knol by Luis T. Puig 1. Sleep on the shelf in your closet. Replace the closet door with a curtain. Two to three hours after you fall asleep, have your wife whip open the curtain...
  19. M Paquette

    Buying then renting out a vacation home?

    I'm considering buying a vacation home in a very nice coastal area (US west coast), and am looking into various approaches to mitigate the ongoing financial impact and keep the property maintained. Yes, I am aware that this can be much like boat ownership, in that I might as well pile the cash...
  20. M Paquette

    54, retiring in 4 months

    Hi, folks! I've been lurking about and reading some of the nice material here for a couple of months, as part of my pre-retirement due diligence. I've got to say that there is some very good information here, as well as some interesting characters. I'm turning 54, and plan to retire in four...
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