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  1. bclover

    How worried should I be about the debt ceiling fiasco

    Okay, I admit, I've not been following the bouncing ball on this one,( lol I live in Philadelphia and we're in the midst of a mayoral race). so what happens if we default especially to the stock market and such. apologies if this has been discussed ad nausem, I didn't find anything. should I...
  2. bclover

    Tinnitus help

    Happy Hump day gang, My older brother (65) developed tinnitus and he's really struggling 😢 especially with sleeping. His is a constant ringing. Of course he's seeing specialist but thought I'd ask if anyone had experience with it. I really want to steer him away from every supposed "cure" he...
  3. bclover

    Helpful Advice needed for a late saver

    Sorry the title is not more informative folks. I have a good friend who is 55 and for a variety of reasons does not have a lot of money saved. The usual life stuff including an hereditary illness that cost a crapload of medical bills and trying her own business that didn't pan out including a...
  4. bclover

    Home repair warranties. what can you tell me.

    Hello all, 9 years ago I replaced my a/c and heating unit. Got a brand new carrier system which has been great. I also annually got the "maintenance package" offered by the company. I've watch the price of the thing escalate from 350 bucks a year up to 1120.00 for this year. Not only that...
  5. bclover

    Repair or replace??

    Hello ER friends :greetings10: Got a small dilemma, trying to decide if I should repair my car or replace it. I have a 2012 Infiniti G37 and unfortunately the catalytic converter is busted. The car has 187K miles on it and basically outside of tires and normal upkeep has not been an issue...
  6. bclover

    Hoping to go to the Amalfi coast, what can you tell me?

    We're dreaming of the Amalfi coast. we know nothing! :laugh: Best town to stay in? Hoping to go September of 2022
  7. bclover

    Wow, I can't believe Im getting nervous. anyone else had this issue?

    Hello All, about 6 years ago I got my "please go away nicely" letter for mega corp, so I decided to actually pursue a passion of mine (baking) and immediately got a part time gig at a local bakery. due to a new owner and covid, the job is not so nice now so I've decided to hang up my apron. I...
  8. bclover

    Not every kid is an engineer. What do we do about the others?

    So the other college thread got me thinking. It seems the prevailing mantra here is, we'll pay as long as you pick a major that is "profitable". Maybe it's because neither one of my kids are engineer material that I ask a very simple question and I admit I take it personal when someone says...
  9. bclover

    Gender divide on financial literacy.

    Not sure that I have a specific question, maybe just want to see others experiences. So my lovely city has decided to do a city wide reassessment on property and it's been a huge cluster*%$ to put it mildly. anyhoo my property taxes went from 5700 in 2018 to an estimated 11, 800 this year...
  10. bclover

    Thinking about purchasing seasonal investment property, what should I be considering?

    Hey guys, So I have always loved the beach, spend ridiculous amounts of time there. :laugh: My dream is to be a snowbird and move closer, once I get Heckyl and Jeckyl out the house. :rolleyes: Anyhoo, I have never had an investment property. What should be my first couple of steps. I am just...
  11. bclover

    Tweeking a little fun at the youngins

    Trying to figure out how to use a rotary phone. https://www.msn.com/en-us/lifestyle/lifestyle-buzz/are-we-supposed-to-pick-up-the-phone-and-then-do-it-hilarious-footage-shows-two-teenagers-completely-baffled-by-a-rotary-telephone-when-given-four-minutes-to-make-one-call/ar-BBS3IkS
  12. bclover

    Social security widows benefits.

    Jeez louise, every time I call the SS administration the wait times are insane. 9 am wait time was 55 minutes. :( Anyhoo, anyone know how I can find out my late cutie pies benefits? my game plan is to start his benefits when I hit 60 and then turn mine on at 70 (if greater) I can't apply...
  13. bclover

    Interpreting FIRECalc

    So I'm playing on another website that has a retirement section and many of them use firecalcu. Well today a poster is mentioning that basically it's wasted information because, the italics are his answers, I thought that firecalc gave you possible outcomes at every starting point, both...
  14. bclover

    For the love of god, get a will!!

    Why don't people have one. At the time of her death Aretha franklin had no will nor trust. worth almost 100 million and now her sons are hopping no one contests their claim and a niece has already petitioned to be executor of her estate...
  15. bclover

    What to do with annuity?

    Hey guys, I inherited an annuity when the wonderful "old guy" passed away and it's fast approaching the "get out of jail without a penalty" date. Here are the particulars. AXA variable annuity current value 504K initial premium paid 400K annual fees 3.35% Death benefit-standard? living benefit...
  16. bclover

    lol, I'm rich!!

    So anyone remember those coinstar machines that were everywhere a few years back? well evidently a few banks including mine (TD bank) were sued because the machines were not counting correctly. I just got my class action suit payment, a grand total of....... 26 cents. It's all mine
  17. bclover

    Would you stay or would you Go......

    You come home from work last friday and what do you see, two of your neighbors have for sale signs in their front lawn. https://www.zillow.com/homedetails/1617-Brandywine-St-Philadelphia-PA-19130/71245952_zpid/ www.zillow.com/homedetails/1616-Green-St-Philadelphia-PA-19130/8776 Here's the...
  18. bclover

    Is this really a "wealth" seminar?

    So I'm coming home today, riding along I-95 and I see a billboard advertising a "wealth and empowerment" seminar. The speakers... Tony Robbins Les Brown Nick Foles and Gary Vaynerkchuk. I never even heard of Gary. The prices range from 75.00 bucks to 1500 dollars. Here's the thing not one...
  19. bclover

    After market warranties?

    need some opinions. Honorable minion # 2 is buying a used car. It's a 2006 Audi A4 with 58,000 miles on it. The car dealer of course offered an "protection package" warranty for "as is" cars but I've heard these are really not worth purchasing. I think it was $1000 bucks. Anyone ever get one?
  20. bclover

    Waaa!! I had to put my dog down.

    Man this sucks. We need a smilie that is crying hysterically. Hobbes was 15 and had gone blind and deaf but he was still my baby. :frown:
  21. bclover

    What to do with an annuity? question

    OK. first let me say I posted this question on another popular site and it didn;'t go so well. lol ;D so, right off the bat, my wonderful old guy is deceased, telling me he was "stupid" for purchasing an annuity or that I was "stupid" because he handled the investments and I didn't know every...
  22. bclover

    Poll: The annual "horrible Christmas carol" poll

    Generally I'm a big lover of the holidays, "goodwill to men and raise a glass type" of gal. I also like Christmas carols, I will admit I liked them better back in the old days when they did not start playing them in October but that's a gripe for another day. Anyhoo, there are some songs...
  23. bclover

    Inheritances, estate planning and what do we owe our kids??

    I found myself in a very interesting situation on Saturday. Background. A good friend of mine's parents own a beach house on the jersey shore, dad died a few years back so mom still owns it. Mom is 75. It is rented out during the "season" and me and our girlfriends have spent many weeks there...
  24. bclover

    Now I know the world is ending...Butter shortage in France!

    ;)As a baker, my emergency grab and go package does not include enough water for each person. It includes a block of each chocolate (bittersweet and semi sweet and milk) coco powder and about 10 lbs of European butter (Higher in butterfat) So you can imagine I am currently in a light panic...
  25. bclover

    Basic money 101 question. Federal Reserve?

    I was reading an article some one sent me on the economic outlook and it mentioned the federal reserve bank and I realized I have really no idea what they do. :facepalm: So I know they raise and lower interest rates, which trickle down to credit interest rates (yea/nay?) But it also said the...
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