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You had asked for suggestions - here's a list of insurers in your state by size for you to consider seeking quotes from. https://www.everquote.com/blog/car-insurance/largest-companies-california/ Insurance is regulated at a state level and filed/approved rates vary significantly across states...

I'm not a lawyer, so perhaps an unfounded worry, but despite how honorable the siblings may be I'd worry about a divorce pulling the funds intended for the disabled brother away from their intended purpose. Thankfully none of my children are disabled, but it seems that in those situations...

Hopefully you converted your weight from customary pounds to troy pounds otherwise you have even more weight to lose. Troy pound is about 82% of a customary pound.

Your friends at work will be happy and excited for you, the rest at work not happy for you aren't your friends and you won't be seeing them again anyways. As others have said keeping it low key and humble goes a long way in communicating your achievement. As to retiring in a Pandemic, unless...

One of the things to consider when you have life insurance through work is that you need to be employed by your company to maintain that life insurance policy. I never really considered this until an employee of mine's husband had cancer which ultimately became terminal. They were...

If you are a HCE that's passing the FICA wage limit, my understanding is that HSA's merely shift that limit by a comparable amount. When I was working we had my wife who was below the FICA limit hold our family HSA. Since we both worked for the same company we didn't have to contend with any...

Mine is $25k, not that I will ever spend anywhere near that amount. Typically I only have $100 to $200 per month of charges, excepting if I make large gift purchases. I have it set up for autopay and I exclusively use it for amazon purchases. The 12 entries a year I make in...

Asking what others are paying on insurance premiums is a futile exercise. First off insurance is regulated at a state level, therefore rates are developed and filed based upon an insurer's loss experience in that state. An identical risk, excepting location across states, can and will have...

Paying taxes correctly is not the same as optimizing and/or understanding your taxes. The gazillion postings in regards to Roth conversions are and example of the complexity created need for understanding taxes so as to optimize your financial position.

I didn't retire based upon a desire to study tax codes to optimize my finances. When I was working I was too busy doing my job and living life with a family to spend the time to delve into the intricacies of tax laws. I know even today that I am not tax optimizing my withdrawals. At least...

Your policy is written under a "Mutual" insurance company. This is where the policy holders are in effect owners of the company. Profits are distributed each year, similar to how a stock pays dividends.

Retirement to Date (RTD) I'm still up 41% and that's after 4 years of living expenses. Of course at the end of January I was 67% RTD, and now down 12% for the year. My heirs took some recent hits, but we'll be more than o.k.

One of my regrets in life, not laying claim on my machinist Dad's Gerstner tool chest when he passed. At the time my brother had a lot more blue collar contacts then I did and I presumed he'd be better positioned to sell my Dad's machinist tools to benefit my Mom. I don't know that my Mom...

Just make certain to leave your bikini at home ...local islands ban bikinis and skimpy clothing, being an Islamic country.

An older neighbor of mine from 35 years ago told me the greatest invention he saw was the furnace thermostat. It really got me thinking about things I took for granted, having always woken up to a consistently warm house. Of course in my lifetime it wasn't until my teen years that our house...

CruiseCritic.com Tripadvisor.com Hobby forums ....

If you're projecting WHEN you're going to be FI then yes. If you're determining if you PRESENTLY are FI then no. My 2 cents is that if you already are adequately FI to retire don't wait for vesting dates to determine your retirement date. I regret hanging on for an accelerated vesting date...

One of the things you should include in your planning is that the allowable rating factors for health insurance include age, in addition to location (zip code level). Knowing what your rates would be at 49/53 is an important starting point, but you should expect increases in premium costs...

The credit bureaus (reports) have no role in whether or not a card remains active. The issuer of the card (e.g. Chase, Citi, etc.) decides on their own internal rules/processes for keeping a credit card open, and they can change those rules pretty much whenever they want. Generally speaking...

Taking an inner state room can guarantee you the pitch black that you might want, but at the cost of never having any natural daylight in your room. Assuming you are U.S. based this may be o.k. for your Panama cruise, but I'll share for others that when we did our Asian cruise with an inner...

I for one am glad that other people than you allow for the language to evolve. I would very much hate to still use the vocabulary that was forced upon me in my high school British Literature course - I considered it then, and still do, as being all gobbledygook (although I am also appreciative...

I'm in a similar situation, so my attitude has been that my AA should be closer to what's recommended for my children, as a substantial portion of my assets will ultimately become theirs. In the three years I've been retired my assets have grown almost 60% and my WR is <2% despite my efforts...

It's public record, at least in the state I live in. Zillow.com comes close enough throughout the U.S. to not alienate a new neighbor over a question like that. I don't tell people how much I have in totoal assets, but something like this I categorize as an innocuous question.

Everyone has to do what feels right to themselves and their situation, but my view on this is the polar opposite. I've concluded that that my wife and I have more than we'll be able to/care to spend in our lifetimes. We have started gifting more to our children figuring that they can better...

I have not seen utilization rate ever evaluated in this manner among the standard attribute values the bureaus provide for scoring. The only entity that might be concerned in regards to your utilization rate of a single trade/credit card would be just the issuer of that card, especially if...