Search results

Obviously nobody has any idea what will happen in the market the rest of 2020, but if we take the rest of 1987s chart path and continue on that path from where we are now until the end of 2020, I estimate that we end the year at about +3%. Id be happy with that.

For the record, that wont stop you from having to pay taxes on those dividends/capital gains. You still have to pay tax on those distributions no matter what you do with the money. I assume people are saying to turn off auto reinvest so that at least some money is moved somewhere else, if you...

If you're using a CPA, why didnt you ask him this question instead of asking some strangers on the internet?

Here's an open and honest description of how CHM works including all the pros and cons. https://www.clarkscondensed.com/thrifty-living/christian-healthcare-ministries-review/

I dont trust Yelp reviews at all. Ive read so many reviews saying a restaurant or hotel was terrible but I saw none of the things they talked about. Ive seen people complain about tiny rooms that I thought were pretty big...ect.

Actually the "Brothers Keeper" add on which gives you unlimited lifetime coverage doesnt cost $40/month extra. It costs $25/ quarter extra.

They wont deny you. They just have limitations for pre-existing conditions. There are differences in the different companies but CHM gives you $15000 limit of coverage the 1st year, $25000 the 2nd year, $50000 the 3rd year and unlimited after 3 years. They will only reimburse prescription...

Anything under $500, you pay. Anything over $500 (per incident not per visit) they pay. A colonoscopy costs more than $500 doesn't it? So what if I have to pay for a regular checkup? We are saving around $800-$900 every month. How many checkups will that pay for? Ive had around $3200...

Why do you think that? Ive had 2 incidents that caused me to see doctors so far and the entire process has been a million times better than it was with traditional insurance/doctor relationship.

When filing for reimbursement, you have to list your church and its phone number. That's the closest they get to "verifying" that you are a Christian. What "didnt pay" reviews? There are none that Ive been able to locate in relation to CHM. Ive heard plenty of horror stories from...

I use Christian Healthcare Ministries and will never go back to traditional insurance. At least not until Im eligible for Medicare. Sure, they technically don't have to pay, but they've been in business over 30 years and I couldnt find one single incident some posted anywhere online where...

Most of them got college degrees thru football. Most of them got them for free. A good percentage of them would be working minimum wage jobs or worse. Very few of those men would never make more than 1 or 2% of what they make without football. They are willing to risk it. I dont feel...

I hardly ever read this site anymore and its mainly because there are so many close minded crotchety stubborn people here. Judging people over something as harmless as a tattoo is low class.

Vanguard has Trust management services. There is a fee of course, and its not cheap by most of our standards but its a lot cheaper than any bank would be.

We bought a Cozzia massage chair from Relax the Back for Christmas. It was $6000, but we talked them down to $5000. It has a 3 year warranty. Ive had a back surgery and a neck surgery and have other discs that have given me serious problems for many years and continue to cause problems...

Ill try to make this short. 1) Ive had a custodial account in my sons name since he was born. Hes now 18 and in college. 2) This is the first year he is filing a tax return as he has a part time job. 3) Earlier in 2017 , I made a large transfer putting his college money in more conservative...

So far... Of people who got the shot, 17% say they got the flu anyway Of the people who didnt get the shot, 4% say they got the flu. I haven't had a flu shot since I left the Army 30 years ago and Ive never gotten the flu. I have about zero confidence in flu shots and this poll only adds to...

Here's another simple illustration: Over the period of 2008 and 2009 which was one of the most volatile 2 year period we've seen in a very long time.... If you had all your money in SPY you lost 20.3% If you had all your money in Vanguard Wellington (60/40 mix), you lost 4.8% Id say bonds did...

TGLMX is 6.20 TGLMX was also +2.7% from the top of the market to the bottom of the market in 2008-2009 while SPY was down just over 50%.

Really? The 2 bond funds I hold are PTRAX and TGLMX PTRAX 2008...+4.6% 2009...+13.6% TGLMX 2008...+1.1% 2009...+19.9%

Ive lived in South Florida for a little over 2 years now. Ive never seen an alligator and I live walking distance to the Everglades. I take that back. When I was a tourist I went on an airboat ride in the Everglades and saw some gators). Do people actually think they are walking around loose...

If the consideration is take the lump sum now or take it in 5 years, why not take it now and invest it conservatively yourself? Id take my chances that I could put the whole thing in Vanguard Wellington and beat the 4% per year return. It may or may not beat the 4% in any 5 year period, but...

I may want to check it out? What do you think Ive been talking about this entire time...for 5 years now?

Dallas PD pays considerable less than the 15 or so departments in the DFW metroplex. They've always still attracted people because its a big city with lots of opportunities and they've always offered an excellent pension. That's how markets work. Except now, people worked for 25+ years at a...

Or they could just stop doing all of those things and there would be nothing wrong with DB plans. There's nothing wrong with DB plans in theory. There's just too much cheating and / or corruption going on from both sides. The biggest benefit to a DB plan IMO is that if its run properly you...