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Has anyone built a laddered annuity (s) as part of their long term strategy for retirement income. Welcome positive constructive replies. Thanks

Does anyone know of any ( top rate) insurance carriers offering no medical exam term life insurance policies. Looking for 10 or 20 year level premium with face value coverage of 50 or 100 k.

Have a 2002 Toyota Avalon with 335k miles and needs to be retired soon. The maintenance / repair costs are rising. Looking for my next Avalon, a 2012 or 2013 with 15-20 k miles on it. Want to pay cash or 12 months interest free. Where's the best place to look to buy so I don't get taken and its...

Who's heard of, or utilized an "Exclusive K" which is a form of a Roth 401K for the self employed. I don't know much about it but on the bottom line it appears similar to a SEP IRA in terms of the percentage amount, either 20 or 25% of your AGI that you can put away. BOTH appear to be tax...

Looking at the global financial situations with Greece, Puerto Rico and now China, if you had a greater than 50% confidence that a 50-75% downward correction was coming to the US equity market where or to what would you move the taxable portion of your portfolio(cash, change in mutual funds or...

Currently have Allstate for Personal and Rental Home, Auto, and Umbrella. Have been with them for 20 + years. Clean driving record. One claim on a rental property about 3 years ago but Auto going up about 10 % each year and Home about 6% with Umbrella Stable. At the current rates with Allstate...

My 2002 Toyota Avalon has 325k miles and I believe I can get it to 350k before its over. I've had the car for a little over 10 years driving about 25 k per year. I don't believe the 1k cost of a catalytic converter next spring at the time of emissions inspection will be worth it. Where's the...

Have about an acre of land with the house and an old riding mower ( about 15 horsepower) died on me. I also noticed that it really didn't have the power or "strength" to do the job efficiently. What's the experience of the ER's with regards to mowers for cutting "large lawns" and are the "zero...

Plan to travel to Paris ( 4 days ) and Rome ( 4 days ) via Trafalgar ( AAA) in a few weeks. What are some "must sees" and what things should we avoid ? Any other travel suggestions pertinent to Paris / Rome.

Plan to travel to Paris / Rome in a few weeks. No prior Europe travel. Is it wise to convert some cash to Euro State side or should we convert in Paris (first stop). Is it better to pay for items in Euros or use our Amex card / Mastercard ?

I have a question regarding a survivng spouse. If a couple has joint outstanding debts at the time one of them passes away and after funeral expenses are paid, can debtors come after the estate or remaining life insurance proceeds. If so, whats the best way to protect the surviving spouse's...

Humana jacked us from $375 a month on a 10K deductible HSA to $1,100 a month 7 k deductible. We are a couple 58 and 63 in Georgia....good health. AGI 70 k. Any better deals out there ??

Trying to get from Paris--> Rome in April for about 10 days. Estimates so far from AAA on Delta are about 6 k for 2. Even with using SkyMiles (because we aren't flying home out of Paris but out of Rome) , Delta is charging more. I have 146,000 skymiles which will barely cover one of the...

Trying to get an estimate of post FIRE outlays that others have had and what it cost , specifically those listed below ( or any others you can think of ): Water Heater AC Unit / Furnace Roof Washer / Dryer Dishwasher Electrical Panel Plumbing Electric Stove Top Refrigerator / Freezer...

Does anyone have any experience with putting in laminate and tile as far as material and labor costs. For example, a 1,500 square foot area being done in either laminate or tile.....what are some GENERAL costs estimates from anyone who's had this work done OR who as a contractor has performed...

The late Studs Terkel wrote a book years ago titled "Working" in which he interviewed people about their jobs. What were(are)the negative aspects of your particular career, job or profession ? What would you advise others who were planning to enter that field ?

For those beginning to invest ( my niece age 40 ) do you advise starting investing ( ie., equities) at a market "top" that we're currently probably experiencing. What are some are reasonable alternatives ?

Looking to make a purchase of new luggage for ER travel over the next 10-15 years. Want to purchase quality but at a good price. Anyone with experience in this area. We've looked at 4-5 piece sets both Travelpro and Samsonite. Any suggestions on these and other brands ?

If you don't have health insurance are you against the ACA ? If you have health insurance are you for the ACA ? My "gut" is that those who have "good" health insurance lament the long term cost to the taxpayers.............until THEY (or a family member) don't have or can't get health...

Planning to set up a single member LLC for a business. Legal Zoom has packages ranging from Economy $99 to Express Gold $359 ( Standard $289). An attorney here would be $350 Any thoughts or experiences with Legal Zoom for LLC's....pros/cons....versus using an attorney ?

I believe ( in fact , I know ) my email address has been "hijacked". Are your bank / checking / brokerage accounts and passwords encrypted into your hard drive? Do you need to change the account numbers and all the passwords for all the accounts or just password ?. IT friends have recommended...

Are there any (unbiased ) dentists / hygienists out there to answer this question ? Do you really NEED routine annual dental x-rays ? Also, what are some of the unnecessary or oversold dental procedures / products ?

Anyone have any experience with getting their property sodded ? Looking at putting down Bermuda Sod. The back yard was laid with Fescue by the builder years ago ( it sucks !! ). What were / are the costs for: 1.Ground Prep / Grading 2.Sod per pallet or square yard 3.Installation/Laying...

A recent thread asked, "Anyone Retire With Less Than 500k "....and that provoked some interesting dialogue. Just wondering if we turned the dial a little were there more folk who ER'd in the 500k-1 million range and how they fared especially those without the traditional "golden parachutes" ...

Trying to locate a bank or institution that will lend on greater than 4 properties. Everywhere I go no one will loan beyond the 4 property limit and especially don't want to cash out on a property that has no outstanding mortgage. Does anyone know of a bank that might be able to assist me...