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....a lot today. No lectures, just poof. We need to mind our manners a bit better, perhaps.

My 96YO father is nearing the end of his run. The only real property he owns is a tiny piece of land in NE Georgia. He inherited it from his father, who bought it as a recreational lot in an early-70s development that went bust long ago. The lot is appraised at $3K and my father has been...

Will business travel ever return to 2019 levels? From what I hear from my former w*ork cohorts, both customers and vendors/suppliers/consultants have adapted nicely to a non-on-site-travel way of doing business. While many of us are no longer concerned with the commercial aspects of this...

I started my micro-pension this year and DW starts here teachers pension 8/1. Will we be good having our pension withholdings cancel out our taxes for this year including a Roth conversion? In the case that we have withholdings, does that remove the requirement for quarterly payments?

Were it not for Covid-19 and and the precipitous market drop, I would expect we'd have an lively thread on this oil war. This is crazy, with the gigantic drop in demand at the same time of ratcheting up supply. I understand storage capacity is almost consumed. I read that oil industry analysts...

This is very subjective and I KNOW there are TONS of opinions/guidance out there on the interwebs. I am interested in what this community has to say. The limited context for this inquiry is that this will be a driving trip from the eastern US, so other places will be on the agenda but this is...

We side-stepped a couple of party invitations for a quiet evening at home. I bet we are not alone in making this choice.

DW's state pension will commence the middle of next year. It is a modest monthly sum but a leg on our stool nonetheless. It is COLA'd - averaging about 3% per annum. The difference between the single life and joint and survivor monthly amounts is about $200/month. DW will be 60 when the...

:) Mega-corp - solid company, plan is well funded. Lump sum: $67,552 Single life annuity: $400/month 5-year guarantee payout to you/survivor: $398 I've back-tested this on immediatebannuities and the monthly payout is better than the single quote by about 20%. Testing the other way, I would...

Read this article this AM. Two interesting charts: Wiltshire 5000 vs. quarterly GDP and hours of labor required to buy the S&P - both at peaks as you might assume. The author of the charts and associated commentary says: “Wake us up after the above charts regress to their means, about 40%...

Has anyone in this esteemed crowd had any experience with electric incinerating toilets? Experience - good, bad or meh....? Brands?

How often, do you think? I am hesitant to call out what I opine are trolls, just because this nice community gives everyone the benefit of the doubt. (Until the mods recognize it and are quick to send them traveling.)

This is a trivial question - $-wise and timing-wise..... just want to know what the cool kids around here think.:dance: DW has to take an RMD from the tIRA she inherited from her mother. This isn't the first RMD, so the amount is 1/27th of the total. The IRA was small, so think around $2400...

Former employer used Fido to manage the 401(k). That is where my IRA is as well. The funds available through the 401(k) are limited, but they wisely chose a decent selection of low-cost ETFs. The S&P500 index ETF was exactly the same in both funds. The expense ratio is the same for both the...

I started an ACA thread that got (rightly) porkied - primarily to see what folks thought about my two options for my HI after employee-paid COBRA expires. He was (is) my sich: "My specific concern is that come July, I've got to pick a horse to ride. I will come off of employer-sponsored health...

DS#2 started his first salaried job that includes health insurance benefits on July 8th. (yay!) He is not eligible for coverage for one month - August 8th. My company paid COBRA coverage (that includes him) expires July 31st.:facepalm: Would some reputable short-term HI be the best option? I...

....about Billy Joe McAllister..... :laugh:

Without getting "porky", what do you think the chances are that ACA - particularly the subsidies - is at risk of disappearing? Just the likelihood of elimination, possible program changes, etc.,. No politics please..... (question spurred by recent Justice Dept. ruling...)

I've looked around all AM but have not found a COBRA FAQ that answers my questions. The end of my employment will be 30-April (Yay!). My employer self-insures and has agreed to pay my health insurance premium through July. Q: When does the COBRA clock start in this situation? Q: Is end of...

Sorry - dumb question. Panicking a bit...... DW has "retired" from teaching, but is not eligible to be in the state retiree health plan until she is 60. To be in the plan at 60, she needs to stay in via COBRA for the 2+ years until she turns 60. If I retire in early 2018, I can join her...

If one of y'all got that crystal ball, bring it out. I fear the specter of high inflation worse than I do the potential ups-and-downs of markets in the next 30 years. I am 58 years old and as I caution my younger friends (40s & below) about the impact of high inflation, they sort of stare at...

....and are OK if you never make it back there. So I am thinking of a pleasant, world-view-broadening experience, but one you can accept that time and budget and other places yet unseen will likely preclude a return. GO! (For me: Singapore, Japan (all of it), Loch Ness, Tucson...

My Penfed 5/5 ARM adjusted from 2.5% to only 2.625%. I assumed back when I got the 2.5% rate that it would adjust to the max for the next 5-year period. I had it budgeted that way and honestly forgot about it (which is silly). We should be selling this suburban boat anchor within the next...

I tried to bump the only other thread I could find about this, but it was too old to reply to. Mods: Please merge or delete if I am a Johnny-come-lately to the topic. New QLACs Establish Foundation for DC Annuitization | Business of Benefits Does this new regulation at least put some lipstick...

I got a PenFed 5/5 ARM in July 2010 - 3.75%. I've been monitoring the current rates - today it is at 2.5%. The fine print says an existing PenFed 5/5 loanholder can't simply refinance to the new, lower rate - even paying closing costs and an origination fee. (Well you can if you increase your...