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This is not a new phenomenon, but seems to have reached a crazy pitch this year, as we approach open season. We have been deluged with Phone, Television, On-Line, Print and Mail advertising for Medicare Advantage and/or Supplement plans that have: No Additional Premiums Zero Copays Health...

I'll apologize in advance for asking a dumb question and for seeming ill informed. The Situation: DH and I(75 &72) are planning, to move from our current paid for home to a different home, yet to be identified, that accommodates our need for a 1st floor master. We've identified a likely...

Has anyone done this? In this real estate environment where one can't really sell their current home and then look for the next home, does it make sense to set up a HELOC, use the proceeds as a downpayment on the next home and then pay off the heloc as soon as the first home sells? Has anyone...

Our Town is about to embark on a full scale home revaluation of all properties in our town. I think it has been 10 years since our last revaluation. Our State/Town does not have any Prop 13 type protections, nor is there an automatic percentage increase in taxes based on a rule or state law...

OK. I admit I probably engage in too much screen time, but I've become addicted to certain You Tube Channels. What are your favorite channels? Here are mine, but I'm looking for knew channels. Lifestyle/Travel Sailing LaVagabonde Sailing Uma Sailing Magic Carpet Foxes Afloat Cruising the...

Question to those in the know: Is holding VNQ in a taxable brokerage fund smart, dumb or neutral? I started 2020 by buying some VNQ in our taxable brokerage account. We owned some already in our tax advantaged funds, but needed to buy more to rebalance so without giving it a whole lot of...

So....... we live in a market with no other realistic internet option than Spectrum, which at $74.99/mo unbundled for 100 mbps, but is very reliable. No AT&T Uverse, no google fiber, nada alternatives. Now along comes T-Mobile 5G internet for $50/mo. So who has signed up? How good is it...

Hey folks; I wondered if anyone else on this forum is in our position. We just received our SSA Statement for 2021 this morning which confirmed as we had expected, IRMAA related Part B Premiums for Medicare of $297 per month for each of us next year, rather than the $148.50 basic premium for...

So DH and I, (mostly me) talk about moving to a home with a better floor plan so that we can age in place. Number 1 on the list is a 1st Floor Master, 2nd in importance is exterior grounds maintenance (mowing, landscaping maintenance and snow plowing) managed and provided by someone other than...

I mean..... As of 2 PM on 9/2, my investments are up mid five figures for the month of September and we only have 47% in Equities. I've blown past my goal for year end. Those who are fully invested, must be riding high!!!

Question for those who have rental real estate portfolios. If a person obtains a mortgage to purchase a primary residence, lives in the home for a few years and then rents that residence(the home is a condo), while obtaining another mortgage to purchase and move into a new primary residence...

We returned early from our winter stay in Mexico this past week. So far no one else has been in our home since we left. We normally have our cleaning service, a crew of 4 people, come every other week. I'm leaning toward canceling, even if we pay them anyway, to keep the space pure. Anyone...

My dear mother passed away last weekend. She was almost 95. She had developed dementia which progressed pretty rapidly over the past 2.5 years. I feel as though I had been losing her by inches over that time period and much of my grieving had already taken place. It was a blessing in the...

We spend two months in Mexico every winter. We have always used an ATM at the airport to withdraw pesos for our stay. That rate has always mirrored the exchange rate that our Credit Card records on the same day. These exchange rates have historically been equal to the "Mid Market Exchange...

My DM is a widow, DF having passed away 10 years ago. I am an only child, Sole Beneficiary and Executor of DM's estate once she passes. Aside from the question in the thread title I'm also wondering if the final estate, which will consist of financial accounts only all of which name me as...

I don't recall seeing this topic discussed. I bought a year's worth of Norton's VPN yesterday for $39 less a $6 Ebates rebate. It covers 5 devices including phones, iPads and of course PC's or Macs. We have 5 devices. It will supposedly keep our searches private, something I thought...

I thought this site might be useful to those who estimate their taxes in advance. I used the 2018 version of Glen Reeves spreadsheet, which I found particularly useful as the Tax Law had changed significantly for 2018. His 2019 version is now on his website. I will use and tweak this...

I’m coming to this smart talented group for insight on smart switches that work with a hub. Over the past few years we have replaced light fixtures and/or light bulbs with integrated LED fixtures and/or LED bulbs throughout our home and have watched our electric bill decline consistently...

https://www.pressherald.com/2018/10/14/michelle-singletary-when-adult-kids-have-to-deal-with-parents-bad-choices/ I thought this was an interesting story. The article chronicles a couple's ethical dilemma after inadvertently finding out that parents who they have helped financially, are...

By that I mean; 1) Do you have a budget? 2) How do you decide individual amounts to give to each recipient? 3) If married do you share the budget equally with your SO? 4) Have you set up a Donor Advised Fund? 5) Do you vet the recipient organizations? 6) Do you give anonymously? 7) Do your...

Hi all; I checked and couldn't find a thread devoted to just VOIP offerings. We intend to change our Triple Play Phone/Internet/Cable package at the end of the year. As part of this change we first want/need to separate the landline bill from internet/cable and are looking for the best priced...

Hi all; I just wanted to report a successful (fingers crossed) Application filed for Full Social Security benefits on my own record. I had been collecting spousal since I turned 66, waiting to collect on my own record at age 70. With the 3 month advisory for advance filing in mind I made a...

I don't get it. Example: I can buy a Treasury at slightly less than par, (so no premium), that is due 7/31/19, that yields 2.44%. The highest rate I see in corporates for investment grade with a similar maturity is 1.795%. Why would anyone buy corporates of short maturity these days, when...

Hello folks: I'm interested in the good, the bad and the in between of this method of travel, which seems to have become ubiquitous. To be clear, I believe we meet the age criteria for such a trip, so not expecting a young youthful group. My interest is in hearing some of the great, good, not...

I know this smells a bit like market timing, but I’ll throw this out to the group anyway. What are your rebalance triggers for your asset categories? I’m sure it will be obvious to the stalwart AA “non market timers” of which I consider myself a charter member, that I may be deserting my...