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CDs I would go with CDs and stay away from WallStreet especially if you are over 65. A bird in the hand sort of thing.

I had FOMO in 2021 and am still down. I almost put $100,000 in VWENX in Jan 2022 but stopped the transaction. It’s still down 17%. I’m out of the market , into CDs. My advice to you is get out and stay out. especially at 71.

NAPA Oil Change NAPA sometimes has oil change specials. My dealer sends out coupons but prices have gone crazy , the oil is $6 a quart and filters $10 so $100 for oil change and tire rotation isn’t way out of line, especially when you don’t have to dispose of the oil and get dirty. Just be...

PayPal is good. I’ve used PayPal 5 years. They guarantee you purchases. I had a bad product and I never got another and PayPal got refunds to my account. You still need credit cards to add to your PayPal account for payment but using PayPal is easy. Get a new email because I get a lot of...

iPhone 7+ I could get along without a cell phone. I’m still using a iPhone 7+ and don’t know if I’ll upgrade.

My funds, stocks are down a ton also. I’m going to stick with it until they recover and then cash out. I bet that is a unique plan.

CDs Forever Get a Fidelity account and put the money in CDs, they have a great setup. Pick any length, best Bank, best rates. Money insured and almost liquid, and get off this goofy stock market.

Investing? How did Fisher do for 2022? Did Fisher still charge a fee for accounts that lost money in 2022? I’m investing in CDs only, but I’m 80 years old.

No LED bulbs Did you replace your light bulbs with LEDs, they mess up remote signals.

Fidelity is fine I opened a Fidelity account and got 12 of their no commission ETF’s. It is a great account, investing, banking, credit and debit cards. The online site is is great for checking you account and have now started to buy CDs from their offerings. Excellent rates with some good...

Are you kidding me! Take the $10,000 and move your money away from those fools. That is a rather bazaar error? I would think that the liquidation would be impossible without you being involved and very possibly gross negligence.

Reasons not to Health care will eat your lunch, loss of benefits from Social Security. I’m eighty and if had to do over I would go to 70. Just imagine 1st month after you are 70 you get full social security, full pension from work and your regular check if you continue to work.

Javelin cost, $178,000.

Adjusted gross income divided by federal income tax paid on your 1040 is the rate %.

Shop around That seems unrealistically high. Mine in Ohio is $280. I don’t know the answer, a lot of my friends don’t have an umbrella assuming auto and house will cover them?

Mint is Mint I like Mint a lot. I’ve used it for several years. It has a great interface that you can modify. Change account names, hide non-active accounts. You can’t add Apple Card yet but maybe sometime.

YES! Absolutely, put it in a bank for awhile. See if she needs it for everyday stuff. Don’t lock it up.

Cash is King Using Ally .5%, tied to PNC.

Lost benefits Are you losing any benefits. I lost healt insurance on my wife, life insurance, dental insurance. Your choice but there is a lot of things that happen before Medicare kicks in.

Nope Don’t do it, medical and dental insurance and health care will kill you unless you both are on Medicare. Cash is good. It is the number one retirement asset. What is FIRE?

Ft. Myers We have stayed several winters in Ft. Myers and have enjoyed it. Also know several couples that have stayed several different condos in Florida and they say that Ft. Myers is the best for weather, friendly people and getting around. Get a real estate agent and visit several places...

Only problem I had with autopay is changing it or stopping it quickly. Specifically WowWay jacked up their prices without warning and I couldn’t stop it.

Der Goober 9 to 10.

Choose a fund with the lowest cost and other fees. All funds and all companies are the same. Best income fund is Schwab Intelligent Portfolio and best investment is Vanguard VTSAX.

They have cheaper expenses, .9% vs .03, sometimes 0 for the same stuff. VSTAX, or any total market fund. Your best bet is CDS or just spend it.