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Our umbrella policy went up again. We are in Florida. It was about $200 for many years, which was a no-brainer for $1M coverage, but then it went to $450 in 2020, and now it will be $750 in 2022! No claims, same coverage. And we only have one car and nothing else. Absolutely insane. They...

(for some reason, I am not allowed to post a reply to the original thread, since it is an old one... so I started a new one instead). The original thread for this is located here: https://www.early-retirement.org/forums/f27/i-am-terrified-of-getting-a-mortgage-101708.html ---- Well, I can't...

As most of you, these last few days have obliterated my portfolio. I am down roughly $40K, which for me is significant. I had only started investing about 6 years ago, with a long term portfolio goal of monthly dividend income. But even then, I remained mostly in cash. Due to fear, ignorance...

Would love your feedback and input! We have been trying to sell our condo in SE FL for almost one year. It has been a draining, stressful, disappointing process. The property was originally appraised at around $460K. But, unlike with single-family homes, the condo market has been on a steady...

Does anybody have experience purchasing a new home from Pulte? They build all over the country, but I am particularly interested in the South FL area. We found one that we love and makes sense for us, but there are lots of negative reviews online. Would love first-hand feedback. Thank you in...

Would love your feedback and input! We are thinking of selling our 2/2 condo to purchase a new-construction, single-family home that we fell in love with and would be perfect for our needs. The condo has been our home for almost 10 years, but we are really tired of the condo "lifestyle" and...

Long time without posting on these pages! If I am not mistaken, the last time I did I was 32 (now 39), and I thought it would be interesting to offer an update on where we currently stand, with the hopes that you folks could offer your invaluable advise and, by all means, critique my choices...

Before you panic, please know that I'm with you: I do not like Whole Life Insurance and would never purchase such a policy on my own. However, here's my situation: In short, my parents in law had purchased a Whole Life "50" policy through AXA, many years ago, to insure my wife. She was 7 back...

Apologies if this has been discussed to death. I could not find a thread that was specific to our particular case... We are shopping around for a Homeowner's insurance policy. Our property is a 1500 sq./f 2/2 condo by the beach (but our particular unit faces the opposite way) in the...

I would appreciate everybody's input on something that's been keeping me awake for the last 3 days. I will keep it nice and short: Car situation. Me: the frugal type. Frequent these pages and swear by the advise and wisdom offered here. Could not care less about cars at this point in my life...

(for more on my own story, please visit this thread. Even though it is a few years old, it will still provide a general idea of where I currently stand) The basics: 35, married, no kids. No debt whatsoever. House is paid in full. 110% LBYM type. Low annual expenses (highest would be property...

For those who own art pieces, have you insured them? If so, which company do you use? We have Geico for our cars, and a smaller, local company called Assurant (which is actually a property agency one hires through Geico) for our home. We currently opted for the $40K limit for our possessions...

A financial adviser referred to by a close family member offered me an "indexed Universal Life Insurance" policy today, sold by Ameriprise / RiverSource Finnacial. You can read more about it here. I do not want to bore you folks with the usual details, but, basically, the policy offers: -...

I'm in the process of switching banks, from Bank Of America to TD Bank. Don't like what's going on behind the scenes at BOA (see this link, for example: Christopher Whalen | Analysis & Opinion | Reuters.com) Bank Of America has been giving me trouble when it comes to withdrawing semi-large...

As somebody who emigrated from Argentina and knows of daily multiple bank runs, hyper-inflation, national defaults, extreme currency devaluation, blood on the streets (literally), and all-around financial carnage, I admit I might be a little "scarred for life" when it comes to trusting anybody...

Long story short: My Uncle, who does not live in the US and recently received a nice severance package after being laid-off with (30+ years working for the same employer), doesn't know what to do with this sum in order to generate a modest but semi-safe income. Traditional investment...

As a new member to this forum who has very limited investing experience and keeps almost 100% of his $$$ in hard-cash, I was wondering what the general consensus here was regarding the following story: The Tortoise vs. the Hares A key paragraph: (Apologies if this subject was discussed here...

Dear All: Long time "lurker", first post. Like most of you, I spend most of my waking hours (and some of the rest as well) contemplating, ruminating and, some of my friends would agree here, sometimes perhaps even obsessing over the idea of an "early" retirement, away from the camouflaged...