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It is still tax season and all the CPAs are too busy to help me. It'll be a few months. I'm pretty sure the distributions I would receive now are tax free (and frankly, living only on Social Security isn't working, my savings will be exhausted in 3 months - chronic illness that insurance doesn't...

So confusing. Unfortunately tax experts are a little busy right now so I'll have to wait for an appointment. Too bad because I'm super responsible when it comes to things like this, don't like surprises. My brother, executor, says any "principal" is just "inheritance" and not taxable (of...

My mom passed away recently and a REVOCABLE trust had been set up. It instructs a certain amount of money to be distributed monthly to the three beneficiaries as long as is possible, hopefully lifetime, but there are provisions to make adjustments to amount and time given changeable economic...

Thanks. Yeah, I just found a site showing statute of limitations for various debts (oral, written, etc), and the four year time frame. This for service rendered 2.5 years ago. While not easily accessible, I should have original bills in with my tax documents (the shoe box method, sigh) to...

I had an expensive dental procedure 3 years ago and to the best of my understanding, I paid (in full?) at the time (well, Care Credit, anyway). This evening I go to the mail and there is a bill from that dentist for nearly $900. Can he do that? I mean, what is to prevent a medical practitioner...

No. Which is why I'm concerned that it is part of the disease process.

I think I have a good handle on the SSDI issue, because if/when I reach a point of not being able to work, it WOULD cover a lot of possibilities. In semi-medical terms it would resemble Fibromyalgia (including the brain fog/short term memory disfunction) with intractable pain, GI disturbances...

Uhm ONE thing prevents me, I'm still working! (When I was off for three months I applied for SSDI, but going back to work killed it, of course.) As for SS alone, I plan to this year. But I'm limited to earning $1310/month, and so I could not work more than 10 hours a week before exceeding that...

Ah, yes Social Security Disability. Yes, I could take early retirement Social Security AND apply for the Disability... one advantage to my age group. The salary wasn't all THAT high, just high for the field (LOL). There is only a $350 difference between SS and SSD in my case. My original plan...

Ah, as expected… If reason for termination is: 1) Lack of work - then I’m golden 2) Poor performance and/or tardiness - maybe (can produce doctor notes to address this and discuss how company acknowledged and worked with me) 3) Chronic illness (don’t know if this is a “reason”) preventing me...

Due to slow, but steadily declining health it is likely I could be let go within the year because it is affecting my ability to do my work, and I acknowledge that. The company culture is family friendly, so whereas any place else I would have been fired years ago, they endeavor to accommodate...

Cross posting! Yeah, should.

Thought about it txls. I would still need to find out how they handle portions of a benefit. I see me owing $3038, with checks at $1271. If their crack team of agents are on top of things (HA!) then 3 checks withheld and they owe me some. Would YOU count on SS to start up on check #4 in a...

Yes, 1/2 of anything above the $1310 would get socked away. I never thought of that. Hm... kind of makes sense. I will have to examine this more closely, taxes and all. But, stream of consciousness... already paid taxes on it, so it would just replace the money losing the current year from that...

I’m quite ill, but not eligible for SSDI as I don’t have a “recognized” condition. Of course working to 66 is better (DUH), but not possible. My boss isn’t going to put up with the 32 hours much longer, and reduce me to part-time, no benefits whatsoever. I will work as long as I can, but...

I’m 63 and eligible for early retirement. Poor health will force me to work part-time starting in January and there is still a minimum of 20 hours a week to keep my job. It isn’t enough so I will have to take early retirement. I would earn $1816/month which is more than the $1310 allowed by SS...

Awkward situation, will try and simplify. I live in a 3 story condominium, 8 units, 2nd floor. Pipe broke and flooded, causing water damage to my unit and those beneath. Plumber called water remediation company (middle of night), they came out to stabilize and start drying out my unit and...

I freaked on earlier comment/reply, had a chance to think it through (and before your helpful comment, Army). For me what works best is as long as I'm working to make minimum payments and when I hit 90-days from last use of credit cards I can consider stopping paying (treating everyone the...

Things have gotten ugly. I had planned to file in August and avoided using my charge cards but before I could do so, emergency home and car repairs prevented that, had to charge thousands. But I'm still working so I hope to soldier through and work as long as possible, but now 90 days out is...

Son of a gun - after analyzing my particular situation, like another one, he did not recommend bankruptcy should the condition that is expected to put me in the financial crunch come about... and while an argument could be made to go ahead with it now (while I still have a job instead of SS...