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My husband retired last year at age 63. We pay 37.5% of his health care premium -- $357 -- and his employer pays the rest. Additionally, he has $25 co-pays on doctor visits and a $3000 maximum out of pocket expense which we will easily reach due to several surgical procedures he is undergoing. The p...

[quote]Did you vote?[/quote]

No! No one ever gave us an opportunity to vote (small print somewhere probably signed over proxy when our credit union first started up about 25 years ago).

Here's a link to information about the private insurance our credit union carries http://www.americanshare.com/Resources/Doc/Primary-Your%20Insured%20Funds-FormIF-1424P-April2012.pdf . In spite of how reassuring this sounds, as our CD's mature, I am moving each out of the credit union.

Speak directly to the dentist. Perhaps he is unaware that his office clerk failed to file the paperwork which is why you now have this problem. I used to be shy about speaking directly to my doctor or dentist about money -- it seemed.....rude. But after having a couple of problems and speaking direc...

My husband just retired last year and by October, 2012, we had rolled over his 401k to an IRA. We have 100% of that money invested in a variety of bond funds. We still have another large chunk of money invested in CD's and IRA CD's with reasonably high returns (which are, unfortunately, all maturing...

[quote="burt"]Good topic, which I've been pondering for a while. I plan to put 50% down on a retirement home and mortgage the remainder. Sounds like I should be buying the retirement home a few months prior to leaving the workforce. Will that plan work ? burt[/quote] We actually planned to...

I had a pair of very expensive progressives that I hated -- they were so lightweight that they did not stay in place and I was constantly reaching up to adjust them. I saw that Coastal had a free coupon which I used to order a simple single vision pair (after upgrading to a thin lens, they cost $48)...

Thanks so much for all of your responses. I appreciate being made aware of the difference between FICO scores and getting approved for a mortgage. I guess I focused on the FICO so much because the last time we applied for a mortgage, the lender made a huge deal about our great FICO score, so I thoug...

My husband retired last April at the age of 63. So far we have not yet filed for his SS, but I began taking my small benefit at age 62. He also receives a small pension. I haven't checked our FICO score since he retired -- it was over 800 before retirement, but now our income is only about a third o...

Just before my husband retired, we received information on our company benefits at retirement and I was quite surprised to see that post 65 employees and spouses were only given one choice in medical supplemental plans -- a high deductible, $500,000 maximum lifetime plan from United Healthcare. This...

We are retired and bought a Highlander 2 years ago -- love it!! By removing the front wheels of our bikes, we can throw both bikes in the back of the SUV and still have room for a couple of overnight bags. The mileage is very good for a big vehicle, but of course still more expensive than a smaller ...

My husband retired three weeks ago. I planned to do something wonderful and surprising for his first weekday of retirement -- something we would always remember. Well, we were both surprised. He had a post-op doctor appointment for the Thursday of that week, and the office called to ask if they coul...

We bought a top-of-the-line Beautyrest pillowtop in 2001. It felt fabulous for about 6 years. Then we felt we needed a little more cushioning so I bought a pricey mattress pad. Wonderful! After a couple of more years we felt we needed more, so I bought a three-inch memory foam topper. So our "m...

My husband and I bought policies from MetLife about 9 or 10 years ago. The combined cost is only $110/month, and it covers each of us for $100/day benefit up to $100,000/each. We have not increased the policies for inflation when offered. We just wanted a low-cost policy that would help with costs i...

Oh no! My husband is retiring in a month and our new prescription provider is Caremark. I was so looking forward to getting away from Express Scripts which has been deteriorating in service for more than a year. I have no complaints about our local CVS which does a great job of filling our prescript...

Thank you very much.

Is there a limit to the number of times you can withdraw money from a Traditional IRA within a calendar year if you are over 59-1/2 years old? I ask because I was listening to a radio discussion recently about withdrawals and I could swear that the moderator said that you could make as many withdraw...