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I’ve used Airbnb in past years. But it is a crap shoot, took a while to find one that was outfitted well enough for a longer stay, and didn’t have bugs or other issues which make for a LONG month. Never had luck with a any VRBO responding to inquiries. After several years, decided we liked...

Good information on changing One thing holding me back from changing residence is the Federal capital gain exclusion on the sale of your primary home. Not ready to sell it yet or even within 5 years look back period. So I continue to pay minimal State income taxes, until it’s time. I’ve not...

After buying a second home for our snowbird lifestyle, we are pondering changing our Primary residence to the new home/state. But don’t want to sell or rent the current primary which we’ve owned for 30 years. Someday we will want to sell it, and will have a substantial gain, which we wouldn’t...

When is Jiff coming back? Skippy is WAY to salty and this natural Ted’s stuff is so thin. Brought my jars back to Hannafords (no receipt) and they gave me store gift card for the value.

It was built in 2016, and has a wind mitigation report. So yes, it’s up to code Drop coverages! The current policy barely covers anything as it is! It’s really a joke. I have no expectation that I’ll ever collect a penny if something were to happen.

Not so, ours is concrete block both stories and concrete tile roof. We are now forced to Citizens after being dropped by an over exposed company we had been with for a month.

Our Florida townhome 130 units mgmt fees are 5% of total budget

And I’m thinking all this was prepared by an attorney?

After turning 50 and having my colonoscopy, I received a bill for $5,000! The hospital and insurance company kept pointing fingers at each other with which code. As a patient I had to learn about codes and fight like crazy, Idiotic! After hours on phone, letters and emails where neither would...

Congrats! We retired at 47 and chose to do Roth conversions 5 year ladder to fund our ER. The 72t’s seemed too scary for us. Yes, it requires saving cash preretirement for the first years

I purchased the Frigidaire induction range four moths ago. Lowe’s had a sale, veteran discount and a coupon! I really like it and all it’s features. I purchased a Tramontina pan set which I love. Heavy duty and a breeze to clean. The stove does generate some pan hum at times, depending...

After being a TIVO devotee for 10 years, we switched last year to Google chromecast with google TV. Unlimited dvr in the cloud and easily portable when we snowbird. I do miss the fast forward, where I can watch a sport faster, and the slowmo to see a car race wreck. But overall it has been a...

There are others ways beside personal contributions to obtain high IRA balances. When leaving an Employee Owned company (ESOP) you can convert your balance to IRA. The annual corporate ESOP contributions can amount of 25% of payroll.

Asset Based = they look at your investment balances or other assets own free and clear, rather than annual income to qualify you for the mortgage. Offered by mortgage brokers not traditional brick & mortar banks. In our case being under 59 1/2 we didn’t want to pay a 10% early withdrawal...

After renting a 400 sf Airbnb for 4 months every Winter for six years, we decided to purchase a condo. The rental was too small for a six month stay and the price kept creeping up. We did not sell stocks but decided to obtain an asset based mortgage. Rates are low and currently we earn more...

Forgot to mention I Received 30 year at 3% (only slightly higher than income based loan)

Yes, asset based mortgages are available. Obtained one this year from a mortgage broker. Traditional banks are no way. Loan Depot and I3 lending are a couple I found who had this option

Still check in here once in a while. LOVING being retired early at 47 now 52 Things that are different than planned 1. Didn’t sell the primary home to relocate 2. Just bought a second snowbird home [emoji15] 3. Savings is triple what retired with 4. Not doing much of any of the...

I’ve been LOVING my central vac for the last 25 years! No nasty smell when vacuuming like a canister as the central vents outside, no electrical cord to tangle or wrap up. The hose is much easier to move around than a bulky vacuum. My house is half 1/2 hardwood half carpet and it all gets...

I turned 50 and scheduled a routine colonoscopy which is covered under ACA. I then receive a $5,000 bill [emoji15] Medical Office says they coded correctly, insurance says nope not a covered code. After three months, several hours and multiple phones calls I was still being denied. The two...

As I said everyone’s financial picture is different. My Aunt is retired with SS and military pension, but overall doesn’t save versus living in VT. Vermont estate tax only effects those with over 5 million.

Everyone’s financial aspect is varied. So you must take a detailed look at your individual situation My Aunt moved from VT to NH, thinking she would pay less. Welp it’s not a reality. Yes no state income tax, but the property tax, car insurance and State fees (car reg, ....) all eat up the...

I went to three days of work this spring. Fridays are spent cleaning house and grocery shopping. Mondays are my rest day. I'm not sure how retirement is going to be, since I'm not very motivated on my two days off. I say "oh, I can do that next week", but next week comes and I say the same...

Hello - I've been a lurker on here for a while, and decided it's time to get involved. This spring I cut my work week to 3 days, with the hopes to be completely done in the spring of 2016. My Husband was planning also being done then, but just received a corporate offer and will be done...

TIVO is the greatest. If you have more questions you might have better luck reading their forums. TiVo Community We've had them for over 10 years now.