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NYCB-U, Appears from last earnings NYCB is doing well. NYCB-U price has been on decline for some reason. The description on quantumonline is confusing to me, seems more than simple preferred, and that concerns me. the 8% div seems safe from suspension. $50 par, trading below 35. Anyone...

looking at this way, tax torpedo" doesn't seem that bad. pulling 130k from IRA, married, no SS, tax bill is 13,121 pulling 80k from IRA, married, 50K SS, tax bill is 11,476 I wouldn't delay SS just to avoid torpedo,

Timely topic, All my financial accounts have beneficiaries , I am just want the house to pass to 3 adult children as easy, and cheaply, as possible. For some reason i don't think a will alone will do it. In Florida, the Lady Bird Deed is an option. Also called an "Enhanced Transfer on death...

Yes I have, I filled out forms for SS to start Feb 2022, but for unknown reasons SS started in January. That was bad because my earning for Jan were over the limit. Also in January I filled out form to withdraw application as my job wasn't ending as expected. I waited patiently, got SS $ in...

I think un-realized gains are hurting my income maybe not correct thread for this, but i respect posters here. Maybe this is obvious to experience traders. my math says unrealized capital gains aren't working for me, so i should sell and buy something else. assume non-tax account, I buy 100...

WFC-Q is set for fixed dividend of almost 9%, worried it may get called. WFC-R will get set for >10%, next year, maybe they will save cash to call that one. How much notice do they give when being called?

I see aja8888 post a lot, so respectfully, I thought the very definition of cumulative shares was they have to be paid eventually, the company cannot pay regular share dividends until preferred have been paid. Every web site that describes preferred says that. NLY is big, 9 billion $...

NLY-F cumulative, floating rate currently 9.8%, $24.77. risks? might get called, I break even, Div is suspended, will eventually get it. Price may drop, eventually yield will drop when Libor rates fall. Seems pretty safe to me,

PACWP - PACW is in the making some headlines, I'll try the preferred. Many bank preferred seem non-cumulative. So if earns are poor i guess they can suspend as long as they want. Last I saw FRC is suspending regular, but not preferred divs

need help researching HBANL From the prospectus, which is only 1 day old, its 6.875% yield ( 25 par value), at current price it yields 8%. I found link to prospectus on quantumonline. seems too good to be true. Unless HBAN is at some risk.

Purchased AQNU, a callable preferred for Canadian utility, AQN. Issued at $50, but sank with the price of AQN, 13% yield. From what i read AQN may have some volatility yet, but for next 12 months I will take the div and watch closely. Anyone else have thoughts.

very interesting, certainly supports info posted here.

I just called the number on UNH website, and the agent clearly stated that when I get plan G, a discount is applied, and that discount decreases, so I will see 2 increases, one due to inflation/cost, the other due to discount going away, and it applies to Florida. The agent said the discount...

My concern over excess charges revolves around the possibility of serious accident/disease that lands me in hospital and lengthy followup visits to specialists. So picking a doc without excess charges isn't possible in emergency situations, and with bills ( doctor and hospital) that could...

I'm somewhat familiar with preferred's. Can someone outline to me the risk with AGNCP, $17.18. Seems to me it has upside to 25, yes that may take many years. In mean time i collect 8.8%. Price could go lower, anything else?

Excess charges - I have only seen comments about doctors charge it, don't know about hospitals. And I believe it can be a max of 15% over the agreed to medicare charge. I think Excess charge are the only diff with plan G and N. Yes I read here about MO closing book and jacking prices up...

Plan G, quote is 188.83, with with direct payment. I am also considering Mutal of Omaha, due to good friend that says it has taken care of many large bills fighting cancer, no billing headaches, MO also says it give a discount for multi policies, he also reports premiums have not gone up...

I just called UHC, I will be starting in Jan of 2023, and I Live in Florida. There is no discount for multi plans in household.

thanks, very good to know.

I am 63, and trying to understand COLA, if i retire in December I think I will get COLA and my checks in 2022 will be roughly 5% (Estimated COLA) larger than the SS web site currently estimates. But If i retire in February, I will miss COLA and my checks will be in line with SS web site...

i also had an HSA for many years, first time i withdrew was a couple years ago , over 20K, and nothing from IRS.

For me MINT has acceptable risk and reward as place to hold cash.

my personal experience is that paying my quarterly estimated taxes, that I exceeded total taxes paid in prior year, did not stop TT from saying I owed penalty for underpayment. i see a number of posters that think that will save you, i don't think its true. And it was true my income was much...

exactly, i agree on scaling down with age, and which i like the spend it while you can capability of the ORP retirement calculator, which i just looked at, now there are many choices of spending plans.

thanks for replies, i feel better about taking distribution