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Charles Moser

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    • If you have a reasonably large tax deferred IRA I would use that to cover the costs and then have the expense deducted as a medical payments on your itemized deductions. My plan

      Post: How Are You Planning to Pay for Potential Long Term Care Expenses?

      Link to comment from February 4, 2025

    • HSAs are a great deal if you are young and helathy. Mine (with an allocation of 50% Equity Income and 50% Short term bond) has allowed me to fully cover all my health care costs in retirement. Making a withdrawal once a year in Dec - withdrawal mostly from whatever fund has done the best that year.

      Post: Getting Going

      Link to comment from January 30, 2025

    • In my retirement accounts I am using TIPS with approximately 2% real return at present. Non retirement accounts I am using short term Treasuries bought at auction.

      Post: Bond Index Funds or Something Else?

      Link to comment from January 29, 2025

    • The payout ratio on a monetary basis favors the lower income contributants

      Post: Should Social Security benefits be income tax free?

      Link to comment from January 27, 2025

    • The calculation and taxation of SS benefits is not "fair" on a purely monetary basis. However it is vital for a large number of elderly individuals and my hope is that it will continue as a safety net for workers in the future. Increasing the SS tax burden on today's workers also concerns me. As such I have no qualms about the federal taxation of benefits. I do have concerns with the number of disability claims which I understand account for about 1/3 of the pie and have been increasing through the years. I would hope that any disability claims are checked and valid.

      Post: Should Social Security benefits be income tax free?

      Link to comment from January 27, 2025

    • Exactly!

      Post: Whole Life Insurance Worked for Me

      Link to comment from January 24, 2025

    • My father purchased a $1000 for me when I was about 7 years old. ??? When he passed 25 years later I cashed the policy in rather than continue the premiums. I am sure the premiums were more than the cash value on an inflation adjusted basis. I also saw agents pushing whole life policies to young,healthy, single medical graduates. ??? Hence my distaste for insurance and insurance agents

      Post: Whole Life Insurance Worked for Me

      Link to comment from January 23, 2025

      1. I would recommend an internal medicine specialist who has finished training in the past decade. Make the distant appointment and fill in with PA or NP in the same group if needed. I have been fortunate to have a whip smart young internist who has helped significantly with managing multiple specialty recommendations and treatments. I would gladly pay a much higher fee to have access to his services

      Post: What Do You Do When Your PCP Closes Their Office

      Link to comment from January 23, 2025

    • I have an unhealthy aversion to spending. Therefore I make it a point to never worry about what my credit score might be. Its one less restraint to making large enjoyable purchases at my stage of life (similiar to yours)

      Post: What I Watch

      Link to comment from January 15, 2025

    • Sorry for any confusion. I am referring to using the costs as an itemized deduction. Of course this would require income from other sources to utilize

      Post: Retirement Realignment by Ken Cutler

      Link to comment from January 15, 2025

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