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Grey cars are very difficult to see in the rain.

Earlier this year I moved all my Vanguard accounts to Fidelity. Ten of my Vanguard funds transferred in kind and I still have them in my Fidelity accounts. I have Vanguard funds in a taxable account, a traditional IRA account and a Roth all on Fidelity.

I recently bought 9.62% I-bonds.

The CPI-W index, for September, was posted this am. It increased 5.9%. (from 254.004 to 269.086). The average for the 3 months, July - September, is 5.92%. This would indicate a 2022 SS COLA of 5.9%.

Yes, that is a good trend, but still above the Fed's target rate and I don't think they will raise rates for several quarters.

That's true. Even if the September CPI-W is 0%, which is extremely unlikely, the COLA would be 3.9%. (6+5.8+0)/3

The CPI-W index, for August, was posted this am. It increased 5.8%. (from 253.597 to 268.387). The September index will be announced announced Oct 13. You may recall the July increase was 6.0%. The SS COLA will be the average of the 6.0%, the 5.8% and whatever the September CPI-W will be.

The CPI-W index, for July, was posted this am. It increased 6%. (from 252.636 to 267.789). The August index will be announced Sep 14 and the Sep index will be announced Oct 13. The average of those three numbers will be the 2022 SS COLA.

I agree if inflation stays at 5% for July, August and September that the SS COLA will be 5%. But it would be because of the inflation in those 3 months and has nothing to do with June.

June has nothing to do with the SS COLA. The SS COLA is calculated on the July, August, and September CPI-W. What happens during the other 9 months of the year does not figure into the calculation. The June CPI certainly could be somewhat of a predictor for the following months, but it is not...

There seems to be some confusion on how the SS COLA is determined. It is quite simple. You take the total of the CPI-W for the months of July, August and September of the current year and divide the total by 3 to get the average for those 3 months. You do the same thing for the same 3 months...

I apologize if this has been previously posted, but I didn't see it. Apparently, you can only apply to pay back your benefits within 12 months now. Social Security Press Office: Social Security Publishes New Rule Revising Withdrawal Policy

I have invested in a non-traded REIT. It pays a 6% dividend and, obviously, doesn't trade on the stock market. You can buy them from most financial planners.

My wife and I bought Metlife LTC policies in 2004. I was 55 and she was 53. Premiums were not increased until this year. We have the inflation option on both policies. They gave us the option of keeping the premiums at existing levels if we reset the daily benefit back to 2005 levels. We...

I bought LTC policies for my wife and I 6 years ago. I got quotes from 3 or 4 companies, but State Farm has a quote calculator on their site: www.statefarm.com. I didn't buy there policy, but I did use the calculator to run the various options for comparison. Just an FYI for anyone interested.

There doesn't seem to be much concern over #3: "3. A requirement that businesses include the value of the health care benefits they provide to employees on W-2s, beginning with W-2s for 2011." It doesn't say this would only apply to "Cadillac" plans. Let's say your plan is worth $12,000 which...

Good answer;D

I'm sure my question has been answered on this forum before, but there have been so many SS threads that searching them was impractical. If you retire early, say at 55, does your SS benefit get increase by the COLA while not working? For example, say your Benefit statement says you will...

From the TurboTax web site this morning (12/12/08): TurboTax CD/Download NEW! Free Federal Efile Included — There’s no additional cost to efiling your federal tax returns. Efiling your state personal return(s) costs $17.95 per efile.** Filing Multiple Returns? — It’s easy. Prepare unlimited...

Wasting no time in proposing new taxes: House Democrats contemplate abolishing 401(k) tax breaks - InvestmentNews

You could transfer investments "in-kind" from your IRA to your taxable account and not have figure out where to reinvest it or mess with your asset allocation.

Money that is earmarked to pay the mortgage should not be invested in the stock market IMHO. I know of no place where I can get a guaranteed return of 5.875% except by paying off my mortgage, not to mention the much discussed intangible benefits. By paying off my mortgage, I can afford to be...

Styrofoam will not melt below 464 degrees F. There should be plenty of air clearance between the can and the styrofoam bucket. The air will not reach that temp. That is unless your house is on fire.

Here are two options that a syndicated radio home improvement show suggests for recessed lights: 1. If they are the non-IC type, simply purchase a $1 or $2 dollar styrafoam minnow buckect and put a bead of calk around the rim and place over the fixture. 2. Replace the bulb with one of...

It's not a problem, even if audited, if you have kept your records and can show what you sold, the cost basis, and dates. A lot of times, your broker doesn't know your cost basis anyway. For example, I have transferred some stock, in kind, to a different broker and they don't know what I paid...