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  1. ShokWaveRider

    What new series are you watching? *No Spoilers, Please*

    Watching Granite Harbour Seasons 1 & 2, they are only 3 episodes in each so easy to binge. Scottish Police procedural.
  2. ShokWaveRider

    Credit Union financial advisor ?

    Bolded by me. High commission ones I bet. Not the Free No Fee Ones.
  3. ShokWaveRider

    In Your City - What Are The Most Desirable Neighborhoods and Why?

    Too Many to list in NE Fla. However most are by the coast, South of Jacksonville, quite expensive and we do get Hurricanes. The weather is great most of the time and we get a nice break for about a month (cumulative) in late December, January and February. A good compromise from the oppressive...
  4. ShokWaveRider

    Best MYGA (Multi Year Guaranteed Annuities) Thread 2024 - Please post updates here.

    Mass Mutual has a great 5 Year MYGA available at the moment. They are A++ rated. Voyager Plus - 5.55% Annual Rate 5 Years Surrender Fee Period (Duration). Tax-Deferred, Compound Interest No Stock Market Exposure Penalty Free Withdrawals Available No Loads, Fees, or Sales Charges
  5. ShokWaveRider

    Forum Update - We're back! Ask your questions here.

    I would like to change the name of my MYGA Thread to reflect a more general title. I cannot seem to find a title edit function on it. I would like to change this one: MYGA Company Ratings. AMBest "A vs A+ vs A++" Does it really Matter? To: Best MYGA (Multi Year Guaranteed Annuities) Thread...
  6. ShokWaveRider

    what office software product do you use?

    Libre Office Here.
  7. ShokWaveRider

    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    Perhaps you should rename one of the threads to make it more identifiable as a MYGA Rate & discussion Thread. That way folks will know where to post updates. TIA
  8. ShokWaveRider

    Forum Update - We're back! Ask your questions here.

    Is there a way to see all one's thread subscriptions and adjust them accordingly like in the previous software. There used to be a subscription menu option in the personal profile section (User CP). I cannot seem to find one if there is. TIA
  9. ShokWaveRider

    Restaurant adding fee for use of credit card

    Who really looks at those? I do not before I go to a restaurant, do others here look at the reviews before going to a local restaurant? It would be interesting to know.
  10. ShokWaveRider

    Examples of current inflation - add yours!

    That is what I meant.
  11. ShokWaveRider

    Restaurant adding fee for use of credit card

    We do not use debit cards except for an ATM withdrawal. They are way too easy to compromise, and banks do not help promptly when needed to resolve issues with them. We keep ours in our safe when not in use. We perhaps use them once a year if that. With few exceptions if an establishment does not...
  12. ShokWaveRider

    Restaurant adding fee for use of credit card

    Maybe we will start going back to checks. Paying by check for them would be inconvenient. My dentist charges a CC fee so we pay by check.
  13. ShokWaveRider

    Examples of current inflation - add yours!

    Groceries are not included in Core inflation though. Never understood why though.
  14. ShokWaveRider

    Credit Union financial advisor ?

    Remember they are most likely to try to sell you commissioned products. They are actually independent. At least that was the case with our CU Advisor. you would be better off with a SchWab or Fidelity Advisor.
  15. ShokWaveRider

    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    Not directly with the insurer. But you can with your brokerage. I personally use a dedicated insurance broker for my MYGAs. I find them more responsive than Schwab on these matters. YMMV
  16. ShokWaveRider

    WSJ - Big mistakes people make in Medicare

    If all states did this, then yes it would be viable. But for the rest of us it is Medigap all the way.
  17. ShokWaveRider

    What new series are you watching? *No Spoilers, Please*

    Starting Mary & George, DW loves these shows. Me .... not so much, but he happy wife ........ "The Countess of Buckingham who molded her son to seduce King James I and become his all-powerful lover, through intrigue, becoming richer, more titled and influential than England has ever seen."
  18. ShokWaveRider

    Use It or Lose It Letter From Credit Card

    I use each of mine at least once or twice every 3 months. It is nice to keep them as it keeps your credit score up.
  19. ShokWaveRider

    Best CD, MM Rates & Bank Special Deals Thread 2024 - Please post updates here

    I like the MYGAs (CD with an Insurance Company) that allow 10% withdrawals per contract year. Some (my favorite) even allow a regular systematic monthly withdrawal. So, based on my latest MYGA ($250k) which is paying 5.55% (A++ Rated). You could only take the interest only and receive ~$1145 a...
  20. ShokWaveRider

    WSJ - Big mistakes people make in Medicare

    The key with these articles is to Google the Title and you will always find a free version with a little effort. A lot more productive than posting here that it is subscription only...
  21. ShokWaveRider

    MYGA

    You can rollover them over to other MYGAs yes at maturity.
  22. ShokWaveRider

    MYGA

    You can just terminate the contract and have the money deposited at maturity at no cost, you do not have to annuitize them. They are just like any other bank CD. At maturity YOU have to initiate the total liquidation through your broker or wherever you purchased the annuity from, including all...
  23. ShokWaveRider

    Forum Update - We're back! Ask your questions here.

    Thanks, I prefer the "What's New" as it shows the latest, but not all, but that is OK.
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