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I was an avid listener in 80’s through 2004. I got out in 2000 when he said to and then got back in in 2003 when he gave the signal. It saved me a bundle and let me retire at 55. However after that I found his calls got or miss and gave up on him. Became a Boglehead and stayed the course.

Been on BP meds for 17 years I had been taking Vytorin 10/10 for probably 15 years but then my new internist felt it was not lowering my LDL's. Made some changes and then realized that the leg pain I've had for many years was not due to sciatica but the statin. Now on a pricier Repatha...

Hi, long time lurker. Hope all are healthy during these crazy times. My brother is 67 and still working out of necessity but would like to retire. He is great at assessing his financial situation. He is in San Diego area looking for an advisor who basically would do a FIRE assessment with him in...

Thanks for the replies. We live outside of Charleston SC so homeowners is expensive and many companies won't write it because we are close to the coast (5 miles). We do have the highest deductibles they allow on house and car. Part of our worries about changing insurance companies is that being...

Our house and autos have been covered by Nationwide for 30+years. Its expensive. Our friend told us about a local broker who got them a good deal on their insurance. I called the broker and she got us quote that would be about 1500 a year less than what we are paying now. However, the house is...

Thanks Braumeister and Michael B.

Sorry if this is too dumb a question. If I own shares with an ex-dividend date of 5/13 and sell them after that date but before the payout date, do I still get the dividend? If so how does that work if the sale goes through before the payout. Will the broker still get the cash for my account...

If getting a smart phone with straight talk you might be limited on the number and/or kinds of apps you can get.

You get StraightTalk at Walmart. Some of their phones run on different carriers networks so you need to check that out. We needed a Verizon network so DW's Straight Talk phone runs on that network.

DW and I were long term Verizon users (she's a Verizon retiree and even got a discount). We just had voice and it was costing about $90/month including all the taxes. However a year ago when her contract expired she went to StraightTalk $45/month for unlimited everything. I will do the same...

We have had one in our home for last 12 years. While we have no immediate plans to sell I will read the contract. We travel a great deal and while we have a great observant next door neighbor, she's not home all the time. Our cat is useless as a protector. We had some false alarms (while away...

D7I vs TR Thanks GandK for those links. Larry

DW's and my portfolio are all IRA with small Roths. I do have 13.5% of our total portfolios in 2 Bank Preferred's ETFs which have a yeild of about 7%. I have including these 2 ETF a 40 equity/60 fixed income portfolio. Larry

I have been a total return guy but becoming interested in going to a income/dividend portfolio. I searched and the was no poll that I could find except one that used total return vs a TIPS + 30% equity portfolio. Thanks Larry

We live in the Charleston SC area and ours went up. Charleston had a big one in 1886.

I keep cash from taking profits from equities and put it in a MM for emergencies and yearly withdrawals. Your thoughts have given me pause and will rethink my strategy. Thnks Larry

Thanks everyone for the info. It has been helpful. Larry

I am sorry if this has been asked and answered previously. In the midst of a medical crisis and need quick answer. My DW is 64 and has been receiving SSD since 1995. I am 64. Can I get spousal benefits from her SSD and put off getting my SS benefits to anytime between 66-70? Thanks Larry

I have held Power Shares Financial Preferred ETF (PGF) and IShares Trust (PFF) for almost 2 years. Both paying over 7% and the price has been stable. You need to know what you're iinvesting in.

While I clicked customized portfolio spending, we also have pensions and will rely on SS. For some of there is more than one income stream. Larry

Thanks everyone. The fog has lifted. Larry

Thanks and I understand what you are telling me. I did what yuo told me and yes the Admiral share would get a larger dividend. I will give you my specifics. In October, VG converted 2739.14 shares of investor class at 21.74/share to 1130.389 Admiral shares at $52.68/share. The total was...