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I have a mortgage note I'm considering selling. Originally it was for 120K at 5%. It's about 6 years old with about 108K principal left. Monthly payments are $644.19. I called a firm that is offering $86,333 for the note. I'm thinking of taking it. I don't need the lump sum, would invest...

Anybody own a condo in cancun? Would you buy it again? May have posted question before, but meeting with Realtor on Monday. Concerns regarding property management, ease of selling, foreign ownership will likely prevent me from pulling the trigger. But, I do love the beach here. The realtor...

DW is now 65 and has Tricare for Life + Medicare (A+B). Any good reason to get a medicare advantage plan too? Any good resources for researching plans?

Beginning to research a condo in Cancun. The one we are looking at is called Solymar. It's next door to the Sun Palace where we usually vacation a couple weeks a year. Anyone own a condo in Cancun? My biggest concerns are on-site management and financials of the condo assoc. While we have a...

Do roll-over IRAs count towards the traditional IRA balance when doing a back door roth conversion? 3 IRA accounts, two are roll over accounts from 401k plans that have never had any additional contributions. One is a non deductible traditional IRA. Objective is to convert do a back door roth...

Trying to decide whether or not to file a 2nd ins claim. First claim has been paid, work started and supplemental submitted. Subsequent to start of work, we had a bad hail storm causing 7-9k in other damages. Worried about having 2 claims in a year. Should I be concerned about being...

I have done several family member taxes for several years. In December DS told me she had made ROTH contributions for 2017 and 18 during 2018. Told her big mistake, their MAGI is way over max for ROTH. She was able to recharacterize the 2018 contribution as a traditional IRA contribution...

Step Daughter wants me to conference call w/her and the IRS. Long story short, she owes the IRS from 10 yrs ago and now the IRS wants to collect. She is on SS Disability and a few years back bought a home through a USDA Rural development program. Additionally, she works part time as a...

DW and I booked a last minute Greek Islands Cruise with Vantage Travel. Anybody have any experience with them? We will be on a small for us, 40 passenger Yacht, but in the lowest category room (last one available) total cost w/ airfare, pre/post night in Athens and 7 night cruise is less than...

That is what I was told by the man who refuses to sign over the title for a mobile home that I purchased in 2009. The home and lot were transferred by Deed to me and DW. Background: In 2014 we discovered mobile home we had purchased has a title. (I know, pretty stupid of us, in our defense...

North American Savings Bank - Rewards Checkingis offering a teaser rate of 2.05 percent on balances up to 25k, no fees etc. https://www.nasb.com/rewards.htm Rate is good until Sep 2015. We just refinanced with them and it was an extremely easy transaction, good customer service.

A Report Card for Humanity: 1900-2050 - Bjørn Lomborg - The Atlantic From the article... One manifestation of this trend is that we are all living far longer. In 1900, the average person lived 32 years; today it’s 69 years, and by 2050 it will be 76. Advances are so rapid that for every month...

Wondering if anyone else is looking at these three earning missing stocks. DLR - has taken a beating. Growth slowed, but Dividend is safe and well covered. Off about 18% in last two days. IBM - Well off 52 week highs, Investing for the future, raised stock buyback and Warren bought most of...

Brother in law asked for help with a PA state employee pension system question. He retired early (18 yrs ago) from the PA system when he switched jobs. Now he is back in PA and has to decide whether or not to repay the retirement pay he has received over the years. The net difference in his...

We've made a decision to sell one of our vacation rentals. Its a lakefront property with a double wide trailer. Since it is not a stick built home, we know potential buyers will have difficulty getting a conventional loan. We intend to offer owner financing. Any advice from anyone who went...

Just wondering if anyone has any experience with investment clubs. I am joining one that is associated with a retired military officers organization I belong to. Seems to be a great way to continue to learn. The club has been around for a long time (20+ years), and has a small but stable...

PENFED FCU is now offering 1.5 percent 2 yr certificates and 1.75 percent 3 year certificates. Who would have thought that these rates would look attractive a few years ago.

Are looking up now. Novak Djokovic is buying the world The Hunt brothers would be proud.

Penfed must be running a promotion on their 1,2 and 3 yr share certificate rates. 1 Yr APR is 1.26 2 Yr rate is 1.36 3 Yr rate is 1.61 1 yr rate was .9 last time I checked

DW inherited 1/2 interest in her fathers home in January, her sister the other half. The property tax value of the home was 185K, we had a market analysis completed by a real estate agent and the CMA was 150k. We sold her portion to her sister for 70K. We really don't want to report a loss...

We are working with a PV company to install a 9.7 KW PV system on our home. Installation is contingent on qualifying for the Florida Power Light Rebate program of $2/KW. On our behalf, company will apply for us when the rebate program opens on Oct 16th at 8am. So we will see if we move...

Came across a situation where an individual who is not working but not yet 65 is eligible to make IRA contributions. Basically, individual is receiving long term disability payments reported by previous employer on a W2 in box 1. IRS accepts properly reported compensation on W2 box 1 for IRA...

Curious if anyone else is helping/advising or just plain managing other peoples money, just to help, not for business purposes. I'm currently helping 3 of my sisters and one BIL with their retirement savings. This help ranges from advising one on which mutual funds to buy within their 401k...

Last year I picked LEI, SSN, and MHR LEI and SSN doubled at some point during 2011 from the price that I posted on 20DEC 2010, LEI was up over 300% at its high. MHR did not fare as well during 2011 and is off about 40% from the price on 20Dec 2010. 2012 I'm keeping SSN and MHR and adding...

Helping my BIL establish a new business in state of MD. He will be providing management services to REITS and property owners of Retail Buildings. His business is licensed in the State of MD just wondering if there was one source for find licensing requirements in states he will be doing...