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1. Signed up for online classes at CC (~$280 total for 2 months of classes). Classes begin on March 18, and since my grace period ends on March 22, I will be eligible for student loan deferment and an additional 6 months of grace period after classes end. This will allow me to tackle my unsub loans...

First, I want to say that this forum has been very helpful! I need your advise. I have put together a study guide and it has been selling well. However, I am very concerned that someone would copy my book, turn it into a PDF, and then send it to other people. This would destroy my business. What ca...

1. Signed up for online classes at CC (~$280 total for 2 months of classes). Classes begin on March 18, and since my grace period ends on March 22, I will be eligible for student loan deferment and an additional 6 months of grace period after classes end. This will allow me to tackle my unsub loans...

With some difficult (and possibly time-consuming) you may be able to settle the debt for around 20% of what is owed. If you are in a hurry you may not be able to knock it down that far. I have heard recommendations that if you get an agreement, in writing that this settlement pays the debt in full, ...

Housing - $2300 Car - $450 Insurance - $500 LOC - $300 Groceries - $600 Haircuts - $100 TV/ISP - $175 RRSP - $150 Cell - $120 Trans - $175 Entertainment - $800 Total: $5670 The total you give is less than the $6000 minimum net that you state that you are bringing in. Do you have a higher minimum pay...

NerdGirl wrote:They waived the security deposit. Why would they want a deposit when they can just bill us after-the-fact?

A security deposit is to provide a buffer and reduce cases where they would have difficulty collecting money owed after-the-fact.

Thanks for the input everyone!

I will do some more research on fixed-income assets (incl. bonds) and see what will work best for our situation.

A (hopefully) simple question: For someone 10 years away from retirement who is 100% invested in equities, would now be a bad time to rebalance toward bonds? I ask this because several people have told me that since interest rates are so low, bond prices are very high and so rebalancing towards bond...

The following comes from this article . How Can You Make Sure Your Retirement Funds Last? As long as you didn’t take the ready-fire-aim approach to retirement planning, you should already know how to make retirement last. But, here’s a refresher: You’re going to keep your nest egg invested and aver...

Recommending an 8% withdrawal rate in retirement is bad. It's worse than recommending high cost actively managed funds. It's worse than recommending equity indexed annuities. It's worse than most of the bad advice we rail against on this forum. This is accurate. Though I've never heard him go into ...

I listened to this episode also. Dave did not recommend either of the funds that he mentioned. He disclosed these funds that he has invested in as a response to many people asking something along the lines of "where are these magical 12% return mutual funds that you always refer to???" He ...

Hello Bogleheads, My mother recently received an IRA containing about $100,000 in a divorce settlement (further details re: the settlement in my recent post here ). She is 55 years old, and her yearly income is under $20,000. She will possibly need to begin tapping into her IRA as soon as she is eli...

Hi! The health insurance market in the US is somewhat obtuse and seems to require a significant amount of arcane knowledge to navigate properly. I am currently doing this for my older, underemployed, mother who is in poor health. Difficulties abound. Basically, the point of health insurance is to be...

Thank you everyone for the encouragement and advice. We will wait on making a housing decision for now, and will check into the SS and insurance issues.

I made some edits to my post to address some questions. If anyone has anything else to add please do!

Hello Bogleheads, I am looking for financial advice to give my mother. She has recently completed divorce proceedings after being a stay-at-home mom for about 35 years. I am concerned about her, as her financial prospects are very limited and she is 55 years old. Here are the financial details: For ...