u/dami_starfruit

Lets say if you’re 55+ with significant investments in both taxable and tax deferred account.

You want to retire early but won’t qualify for Medicare until age 65.

Using rule of 55 for 401k withdraw or 72t withdraw from IRA both qualify as income and will bump up your ACA insurance cost.

But if you invest in covered call ETF like SPYI/GPIX in your taxable account, the distribution is mostly ROC and not counted as income. Therefore you may be eligible for lower ACA insurance cost until age 65 when you qualify for Medicare.

Can someone verify if the assumptions above are correct?

Hello,

I did a quick search and found various threads on hard shell roof carriers, but I am looking for a soft roof cargo carrier that can be rolled up and stored in a bag when not in use.

It will be used for camping trips to haul sleeping bags, sleeping pads and such.

Hello,

How difficult would it be to get life insurance with LTC for diabetic?

Is there a recommended insurance company for this purpose?

Would it be better to buy individual or joint with spouse?

Hello

My doctor’s office has about a dozen computers scattered across 2 floors. They are connected to the internet via AT&T fiber and 4 netgear Wi-Fi routers.

For unknown reason, all the computers started displaying “connection not private” errors in chrome and edge today. The computers run windows 11 and variety of anti virus software.

We have rebooted all the hardware, cleared cache and followed standard troubleshooting steps, including calling AT&T to verify there is not an issue from their end.

The issue only impacts computers connected via Ethernet and WiFi. When you connect cell phone to the WiFi it does not display the connection is not private error.

Can someone suggest next step in troubleshooting?

The issue is impacting all PC’s and laptops in the office.

Future Scenario:

Husband is 62, retired & and claims social security retirement benefits.

Wife is 54 and continues to work

Couple has one child, age 13

As I understand it, the husband can claim social security benefits for the underage child until age 18.

If the husband is collecting $2000/month from SS at age 62, the child can receive additional 50% at $1000/month until age 18. l use family maximum 150% calculation.

Does the above sound right? I read a MSN article claiming the child can receive 60%. I am not sure how this is possible other than death or disability.

If the wife continues to work and receive salary, will this impact the SS benefits in payment or tax rate?

Will both the husband and the child be able to work part time and earn up to $24,480/year per person without impacting the SS payment?