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Fyi... free COVID tests available again. https://www.covid.gov/tests Also many older tests that expired somehow now have expiration extended. Check this list before throwing out any expired as may still be good...

For those who use Microsoft Office subscription products.... Here's a great deal on getting 12 month subscription to Microsoft 365. $92.95 and includes a $50 Amazon gift card. I don't know about you, but Amazon gift card is almost like cash to me with all I buy on there ;) So nets out to...

My wife and I are considering downsizing from our 2 story 4 bedroom ranch to a new smaller ranch in a 55+ community. Most homes are taking forever for completion. After some thought we are considering selling now and doing some extended traveling to spend some extended time with our...

One pain with HRBlock tax software is it requires you to validate each imported record, otherwise it shows as a error when you do the accuracy check. I know I can ignore them, but then what I don't know is if something else was overlooked and would show up later. With literally hundreds of...

For those who invest in OTC issues.... The SEC exempted enforcement of 15c2-11 for bonds and other fixed income securities until January 3, 2022: https://www.sec.gov/files/rule-15c2-11-fixed-income-securities-092421.pdf

Is anyone using AT&T phone service without internet? Background: FIL is looking to set-up new service for phone. Rural area, no services currently installed at the house (phone or internet). We got him a simple cell flip phone (his choice, he refuses to use any smartphone). Unfortunately he...

After further review, inflation may be hotter than expected.... will be interesting to see how markets react. More interesting to see how Fed manages this and what they say or insinuate come Jackson Hole meeting...

Always interesting to read alternative views. I'm sure some will agree, others disagree. https://www.marketwatch.com/story/dont-cheat-yourself-with-the-4-rule-2018-05-04 For me, now 5 years retired I resemble some of the remarks. My nest egg is up 75% from value when I retired despite my...

This shows that even the most informed investor doesn't always get it right in trying to time and predict the market. https://www.investors.com/etfs-and-funds/sectors/sp500-warren-buffetts-panic-sale-two-stocks-cost-700-million/ Berkshire also unloaded JPM in 4th quarter of 2020. Since then...

Amazon has Quicken Premier for $77.99, click the coupon on the product page for 40% savings. I understand this can be used to extend your current subscription (subject to Quicken's limitation that you can only extend in the last 6 months of your subscription -- but hold this activation key for...

With inclusion of Telsa in the S&P 500 forthcoming, I took a look at the history of companies in the S&P over time. I found this chart interesting, shows the relative age of companies over time (since 1970). I found it interesting to see how the relative "age" of companies have changed over...

This year my Bronze plan went up considerably. At the same time an HSA plan didn't change by much. In years past I never saw benefit of HSA as it was over $250/mo more than my Bronze plan. But this year seems to change things, the HSA plan is now $43 less. So I'm considering the HSA plan...

Looking for some advice. Newbie here on Elder care and planning. Short Story: Advice on how to best title a new home for elder parent with possible development of dementia. Long Story: My wife's father is single (widow), 74 years old. Health, like many older people, not getting better...

The thread on Chase increasing fees for the Sapphire Reserve card got me thinking... Considering the value for annual fee paid, what are the better premium credit cards for travel and benefits? Example: Hilton Aspire is $450 but gives you 150,000 points for signing up/spending and then...

I'm sure this has been asked and answered before, tried a search, didn't find thread - probably operator error ;) Anyways, I was out to lunch today with a person I used to work with. We got to talking about cost of health care. Her husband is on Medicare and drawing SS, she is retired but...

Looking for input - WWYD I'm in third year of FIRE, been managing my MAGI with pulling out cash from after tax money (equities), staying below 400% level. Keeps me in a good position for ACA and taxes paid. With markets near an all time high, I've been looking at options. Part of me says...

Sounds like good news for Florida 2020 ACA. https://www.sun-sentinel.com/business/fl-bz-two-new-obamacare-insurers-proposed-for-florida-in-2020-20190819-qfhgsosg5baa5dhc7idblcchyi-story.html In addition to two new carriers, looks like premiums stabilizing too.

There's been lots of discussion on Social Security perhaps getting cut due to insolvency issues. This new bill being sponsored would actually reverse that and estimates solvency for next 75 years. Social Security expansion bill poised to gain traction in Congress, targeting those who earn over...

Looking for input from those who have had Symfony lens for cataract IOL. My Dr. gave me the news that I had expected to hear, time for cataract removal at 55. He gave option from monofocal lens which would be great for distant vision but then need readers. But he then suggested a newer lens...

As I compare options for 2018 there's a bronze plan that seems to be a "good fit" for coverage. Net premium is $0/mo (tax credit of $1,390, plan premium $1,290). That leaves $100/mo on the table with unused tax credit. So my question is, is there something that I'm not considering that would...

Curious... what would you do with your investment portfolio if you had a crystal ball and could see a long term (2+ years) drop in the market of 30% in the next week? What would be your flight to safety? Gold? Bitcoin? CD's? Cash? Specific stocks that fair well in market downturn? Do you...

I understand with no earned income I am unable to take any deduction for IRA. I am considering doing an in-plan Roth conversion for a small portion ($30K) of my 401K this year. As I understand the Roth conversion ($30K) will be reported as "gross income", would that then qualify as "earned...

Hi - wife and I will be joining the class of 2016 soon, heading down to sunny Florida. After being covered by employer programs we'll need to now secure our own health insurance. We've look at the market place (healthcare.gov) and were not really impressed by the offerings by Ambetter, Florida...

Hi... Relatively new to the forums. Wife and I have hit "our number" and going to go into retirement early next year, me at 55 and wife at 53. I've managed to build our investments but never really sure if I've done better or worse than the "experts". We will have 7 figures available so I'm...