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Howdy, Anyone live at or know anyone who lives in a Jimmy Buffet Latitudes community? DW and I are thinking about an active community to retire into. We retired at 42 and are now 60. Both athletes and our bodies are breaking down. Tons of arthritis and neck disc issues. We golfed 4-5 times a...

Hi, Anyone else having errors trying to get on treasury direct. I haven't been on since January. Keeps telling me hit login if my account starts with a letter. I hit it and it says page not available... I don't have a landline so don't want to call and can't (surprise surprise) find a link...

Hi, Making a trip to Greenville then to Nashville in a few weeks. Doing 2 full days in Greenville and 2 or 3 in Nash. We want to do 1 day of Mountain Golf in Greenville. Going to stay Downtown (blow that Dough) so we can walk everywhere. We aren't into museums and fine dining. Fun...

We currently are 59 years old and are renting. No kids. Our total annual expenses are $50k per year. We would like to buy a condo in the next 2 years in the $700k range. We have only $530k in non retirement accounts. What would you do? We'd have to wipe out DW Roth to buy it and fund...

https://www.marketwatch.com/story/the-crushing-financial-penalties-for-marriage-in-your-later-years-courtesy-of-uncle-sam-11661175459?mod=home-page UGHHH! I didn't know about this. Would a trust protect assets if a spouse went into a nursing home for extended period? Thx Wally

Hi, Was thinking end of Sept or early October might be a good time as kids should be back in school. I hate crowds! Any Universal pros out there? Thanks, Wally

Howdy, I have 2 Visa Cards. One week apart both have had a charge appear that we didn't make. First was Amazon Marketplace charge for $23.00. There is no order on Amazon History. I did receive a lemon squeezer a few days later but I didn't order it. I did order one several years ago but...

Howdy, Hypothetically If I had a ROTH with $400k in the Vanguard Federal Money Market. FDIC insured is only $250k (I think). If I transfer $150k to the regular money market in the same account am I covered FDIC for the entire $400K? Thanks, Wally

Hi, I have no 1099 available at VG website for my Joint brokerage account. Anyone got there's yet? Thx Wally

Hey, Bailed out on two of my IRA's and now have $350k in each and in Vanguard Federal MM fund VMFXX. Yes I am a Dirty Rotten market Timer....I'd rather not make $500k now than lose $100k.... I am a little concerned about FDIC insurance and being over the limit. Not sure Bond fund is smart...

Hi, My brother just got a notice for the need of a business license for a rental condo. He has owned it for 15 years and just got the notice this year. The city wants gross receipts from day 1. He doesn't have his 1099's before 2015. The gross receipts average $30k per year $450k total...

Hi, Just curious Are you sticking with Silver Plan for 2021? My agent in 2017 this was the best option and it has worked out fine ever since/ Marketplace says I may be paying considerably more next year if I don't switch plans. I haven't got my MAGI calculated and am afraid to log in...

Howdy, Per a Dave Ramsey article: Stimulus Checks As part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act’s $2 trillion relief package, the government sent up to $1,200 in the form of a stimulus check to millions of Americans shortly after the pandemic shut most of...

Howdy, Anyone buying any mutual funds that short the market? Any recommendations? GRZZX is an example. They have fairly high expense ratios but...... Thanks, Wally

Howdy, Recently bought a condo. Realtor who sold us our second floor condo owned and sold the unit above us. She showed us it and matter of factly told us she replaced the carpet with a floating vinyl plank floor without Condo Board Approval. There are ratings for impact isolation of 60 in...

Howdy , Just got notice from VG that this year we can't do ROTH Recharicterization's due to changes in the tax laws last year. It appears to get Obamacare subsidies nailed down we need to pretty much do our taxes before Dec 31st and do a ROTH conversion that is accurate to get to our Target...

Hi, Was seriously looking at 72-t but was very pleased to find out that you can withdraw contributions from a ROTH any time without penalty. Our IRA's are up to about 85% of our assets and still 6 years away from 59.5..... Can I do a Roth conversion of say $20k (to get to sweet spot on the...

Howdy, Need a new accountant old one is losing it. Got a referral from a friend. Accountant didn't now what 72t was off the top of his head. He said "refresh my memory"...."Oh yeah I've done those". Do I need to look for another one or is it really easy? Thanks, Wally

The Go Curry Cracker 2014 Taxes - Go Curry Cracker!Go Curry Cracker! I don't have access to my tax returns for a week or so and this is driving me nuts. Is this possible? Off the top of my head my return looks very very very very (did I say very) similar. Married jointly no kids. Did a Roth...

Hi, This seems almost to good to be true but I am intrigued. Lots of folks appear to be making 5-10% annually or more. I am surprised I never heard of it. Lending Club Investor Review - How to Become a Bank Anyone have any opinions/experience either way. Thanks, Wally

Howdy, I decided to start a new thread to be sure no one missed it since the original thread is so old. I finally bit the bullet and my issue is arthritis and spurring around L4. My chiropractor started putting me in traction. I felt great for a few hours and could stand for maybe an hour...

Hi, Called Direct TV and was offered $5.00 off per month for 2 months. Screw that. Let me talk to your supervisor.. On hold 25 minutes and system disconected me. Called again and when prompted said "cancellation". In a few minutes connected to nice gal and confirmed I had reached a retention...

Howdy, Iran, Greece, Spain, Exp. Bush Tax cuts, China and US recession, Interest rates too low, etc, etc... Currently 60% Wellesley 35% Wellington, 5% cash. Not as diversified as most of you but Sleeping well at night until the past month or so. Going to cash probably not great option. What...

Howdy, The recent go it on dividends alone thread got me looking at Dividend paying ETF's. I have no REITS and this puppy has a yield over 8% and seems to be in a good position from what I have found with Google. I am looking to put this 100% in a small ROTH that is about 4% of our total...

Hi. Just a rant here. I bought a Keurig style, single coffee cup brewer for $200 less than a year ago. I bought cuisinart because friends and family have had huge issues with the reliability of Keurig units.... After 6months I had to turn the power on and off several times , at least a...