Search found 245 matches

by schachtw
Thu Feb 15, 2024 9:41 pm
Forum: Personal Consumer Issues
Topic: Supermarket pizza - any good ones? Any great ones?
Replies: 174
Views: 16184

Re: Supermarket pizza - any good ones? Any great ones?

+1 for Rao’s frozen pizza. Excellent product, albeit a bit pricey.
by schachtw
Sun Jan 28, 2024 9:33 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 5832
Views: 590744

Re: What are you listening to now

Blasters- American Music

Great Rockabilly
by schachtw
Fri Jan 05, 2024 11:23 am
Forum: Personal Consumer Issues
Topic: Enormous Property Tax Increase
Replies: 66
Views: 9974

Re: Enormous Property Tax Increase

My wife and I live in the North suburban area of Chicago.

When we received our latest Assesor letter, we were pleasantly surprised to see that the land & structure assessed valuations were lowered. We didn’t bother appealing because the assessed value was less than the purchase price.

In our case, it’s unlikely that a lower valuation will translate to lower property taxes. The taxing entities, e.g. school, park, and sanitary districts, water reclamation, etc., almost always raise their levies to the maximum allowed by law.

I can’t remember the last time our property tax bill, was lowered.
by schachtw
Fri Oct 27, 2023 4:32 pm
Forum: Personal Consumer Issues
Topic: Re: Replacing High End Built in Refrigerator... [Updated question October 2023]
Replies: 61
Views: 10915

Re: Replacing High End Built in Refrigerator... [Updated question October 2023]

Kitchen has:
Sub-Zero refrigerator/freezer
Sub-Zero dual fuel stove/oven

Appliances are 5 years old, no issues to date.
Drive a 2012 Acura TSX, great car.
by schachtw
Mon Oct 02, 2023 4:01 pm
Forum: Personal Consumer Issues
Topic: Epoxy vs Ployurea waterproofing
Replies: 1
Views: 567

Epoxy vs Ployurea waterproofing

[Topic is now in Personal Consumer Issues - mod mkc]

Our Condo Association needs to have an outdoor concrete pedestrian ramp waterproofed.

One contractor recommended an epoxy coating. The price seems OK, but I’ve read than the epoxy coating will likely require maintenance every 3-5 years.

Another contractor told us about Polyurea concrete coating. Online material states it’s 4 times stronger than epoxy, and requires maintenance every 10-15 years.
It’s more expensive than epoxy, but the maintenance trade off is appealing

Has/does anyone on the Forum have any personal experience with either of these products? Any insight or information offered is appreciated.

Thanks
by schachtw
Sun Sep 24, 2023 3:12 pm
Forum: Personal Investments
Topic: Fixed-Income Portion of Portfolio
Replies: 16
Views: 1925

Re: Fixed-Income Portion of Portfolio

I’m also in the same situation; AA is 60/38/2.

My tax deferred account is 100% fixed income, VBTLX (BND) and VBILX (BIV). I’m in the second year of taking my RMD.

To keep the AA the same, I transfer the sale dollars of the RMD to my taxable account and invest in the fund equivalent of VTEB.

At this time for me, this is the simplest approach to follow.
by schachtw
Sat Sep 16, 2023 9:54 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 449
Views: 96091

Re: What ratio are you stocks/bonds and how old are you?

Age 73, retired:

Overall AA (combined taxable & tax deferred)

60 equities
38 fixed income
2 cash
by schachtw
Tue Aug 01, 2023 6:42 pm
Forum: Investing - Theory, News & General
Topic: Total Portfolio Allocation and Withdrawal (TPAW)
Replies: 690
Views: 172331

Re: Total portfolio allocation and withdrawal (TPAW)

Ben:

To begin, thanks go out to you and your brother for developing this very elegant planning tool.

I do have a question however. I’ve input my essential and discretionary expenses. However the sum of the two categories doesn’t equal the general expenses amount.

What am I missing or not understanding?

Thanks
by schachtw
Wed Jul 05, 2023 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Trust beneficiaries
Replies: 8
Views: 1375

Re: Trust beneficiaries

Thanks to all who have posted replies.

As suspected, “it depends” is the prevalent answer.

Time to speak to an estate attorney.

Thanks again.
by schachtw
Sat Jul 01, 2023 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Trust beneficiaries
Replies: 8
Views: 1375

Trust beneficiaries

My wife & I each have revocable trusts, with each of us being the primary beneficiary of the others IRA(s), and the respective trust as the secondary.

My question is this; perhaps there’s no right or wrong answer, but I’m looking for best practice.

When only one spouse remains, should the primary beneficiary of the IRAs be changed to our son, and the trust remain as secondary? Or should the trust be made the primary beneficiary of the IRAs?

Any insight is appreciated.

Thanks
by schachtw
Wed Apr 19, 2023 7:16 am
Forum: Investing - Theory, News & General
Topic: No plans to sell equities in retirement to meet planned expenses
Replies: 81
Views: 7920

Re: No plans to sell equities in retirement to meet planned expenses

My wife and I have a similar plan.

We are both retired, 72 and have 2M in our tax deferred accounts. I began taking my 1st RMD last year and my wife will begin hers in 2024.

Between SS, her pension, RMDs and investment income we will not need to withdraw anything from our taxable accounts which are 90% equity ETF and MFs. That’s the plan, hopefully it has a decent chance of working out.
by schachtw
Wed Apr 05, 2023 9:10 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 4535
Views: 625772

Re: What frugal thing did you do today?

Didn’t go to Starbucks for my morning Americano.
by schachtw
Sat Apr 01, 2023 2:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 5250
Views: 906790

Re: What are you up YTD? [Year To Date]

Overall AA = 58/40/2

Tax deferred is 100% fixed income
Taxable is 85/15

+6.4% YTD
by schachtw
Thu Mar 23, 2023 8:30 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11151
Views: 2085742

Re: What Movie Have You Recently Watched?

MHZ Choice

Nordic Noir genre

1. Grey Zone
2. Spring Tide

Grey Zone: cutting edge drone controller at the center of terrorist kidnapping plot. Swedish/Danish 1 season

Spring Tide: Swedish police university student and retired cop come together to solve 25 year old cold case. 2 seasons

Both well done.
by schachtw
Sun Mar 05, 2023 8:46 am
Forum: Personal Consumer Issues
Topic: Do you go for walks?
Replies: 175
Views: 17510

Re: Do you go for walks?

On alternating days (72 yo):

3-4 mile walk in Chicago Botanic Garden,
45 minute strength and weight exercises
by schachtw
Sun Feb 19, 2023 9:00 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 4535
Views: 625772

Re: What frugal thing did you do today?

Ate leftovers instead of doing takeout.
by schachtw
Sat Feb 04, 2023 4:46 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 1156
Views: 151974

Re: What is your age and asset allocation ?

Wife and I, both 72 retired.

Overall AA is 58/40/2

Tax deferred 100% fixed income
Taxable 85/15 fixed income in Muni bond fund
by schachtw
Wed Jan 11, 2023 2:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Client Level at $25 million
Replies: 82
Views: 15540

Re: Vanguard Client Level at $25 million

investor_power wrote: Wed Jan 11, 2023 10:26 am
Cheez-It Guy wrote: Wed Jan 11, 2023 10:12 am That is the secret Starship level.
LOL, Enterprise?
JWST level, open to a slew of new benefits and galaxies
by schachtw
Mon Jan 09, 2023 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Does Medicare cover MD visit for ear infection?
Replies: 40
Views: 3453

Re: Does Medicare cover MD visit for ear infection?

I’m on Medicare with a BCBS supplemental plan.

I’ve had numerous issues in both ears ranging from surgery, tubes, and ear infections that required an office visit for antibiotics.

Have not had any problems with Medicare or the supplemental paying the claims.
by schachtw
Sun Jan 08, 2023 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads w Very Low Withdrawal Rates
Replies: 73
Views: 7166

Re: Retired Bogleheads w Very Low Withdrawal Rates

Withdrawal rate from portfolio is approximately 1%, entirely based on quarterly dividends from taxable accounts swept to cash.


I turned 72 in 2022, 1st RMD was handled as transfer-in-kind to taxable. DW turns 72 in 2023, so she gets a RMD reprieve until 2024. SS and a very small pension cover the majority of our expenses. There are many variables that can cause our current withdrawal rate to change.

We feel very fortunate.
by schachtw
Sat Dec 31, 2022 2:12 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 5250
Views: 906790

Re: What are you up YTD? [Year To Date]

AA = 58/40/2

Equities: VTI, VOO, and VXUS
Bonds: VBTLX, VTABX

-14.5% for the year.
by schachtw
Sat Oct 15, 2022 4:10 pm
Forum: Personal Consumer Issues
Topic: rafting Grand Canyon
Replies: 18
Views: 1932

Re: rafting Grand Canyon

Martin Litton - Grand Canyon Dories
My wife and I went down the Colorado river in one of the dories (a large row boat) in 1977. If memory serves me, the trip was around three weeks in length.

45 years later, still one of our most memorable trips ever.
by schachtw
Mon Aug 29, 2022 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees aren't spending their nestegg - how can we do better?
Replies: 148
Views: 13090

Re: Retirees aren't spending their nestegg - how can we do better?

I have a modest nestegg, and at 75 I'm hanging on to it. As a result of decades of saving and investing, I live quite comfortably on my Social Security and RMDs. If I want or need something, I buy it. DW and I travel and lead a good life. I do not deprive myself, but neither am I profligate. Although I do plan to leave whatever wealth remains after my passing to my two heirs, that is not the primary reason for not spending it down now. This is the reason: My parents both lived into their mid-nineties, and at the end my father was paying over $12K per month for Assisted Care. He lived in that facility for over five years had the resources to pay for living in a very nice and comfortable place with 24/7 aides who took care of him, especially...
by schachtw
Tue Aug 23, 2022 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tells me to call then disconnects me
Replies: 38
Views: 8541

Re: IRS tells me to call then disconnects me

As a reference point:

I filed a 2022 amended return in late February.

Yesterday, I had the status changed to “adjusted” on the Where’s My Amended Return IRS website.

Almost 6 months to process, patience.
by schachtw
Fri Jul 29, 2022 2:18 pm
Forum: Personal Consumer Issues
Topic: Any Comcast promotions for existing customers?
Replies: 38
Views: 3445

Re: Any Comcast promotions for existing customers?

Our contract expires mid August. I went to a local Xfinity store (I refuse to call them on the phone), and was told to keep the same TV package (ultimate), and the same internet speed (very fast), there would be a monthly price increase of approximately $60.

I was shocked to hear this; no deals offered. For me, the only solution to lowering the monthly bill (by $4), was to downgrade the TV bundle, and or Internet speed. I opted to downgrade to the Choice TV package.

Truly, a customer unfriendly company; I wish only bad things for Comcast/Xfinity.
by schachtw
Sun Jul 17, 2022 9:13 am
Forum: Personal Finance (Not Investing)
Topic: living trust necessary? recomended?
Replies: 56
Views: 7032

Re: living trust necessary? recomended?

As Freddie and Lee pointed out, the far more important issue is providing for your children in trust rather than outright. If you provide for them outright at age 25, you'll be throwing a few million dollars into each of their estates for estate tax purposes, and exposing it to their creditors and spouses. You could instead allow each child to gain control of his/her trust at age 25, while still keeping their inheritances out of their estates and protecting their inheritances from their creditors and spouses. I understand how a trust reduces exposure to creditors and spouses but what is the concern with a few million dollars passing to them in terms of estate taxes as long as they are below the federal exception? Stocks would also receive ...
by schachtw
Sat Jul 02, 2022 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Share your Net Worth Regression
Replies: 350
Views: 60141

Re: Share your Net Worth Regression

Overall AA = 58/40/2

Taxable AA = 80/18/2 (muni’s)
Tax Deferred = 100% fixed income

Down 14%
by schachtw
Sun May 29, 2022 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your Net Worth Regression
Replies: 350
Views: 60141

Re: Share your Net Worth Regression

YTD, Down 10% (700K)
by schachtw
Mon May 23, 2022 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retired and living off SS and Dividends?
Replies: 160
Views: 14372

Re: Anyone retired and living off SS and Dividends?

Yes, my wife and I can manage our joint SS, wife’s small pension, and our taxable dividends. The dividends equate to approximately a 1% withdrawal rate.

Will be taking initial RMD this December, likely to transfer funds to taxable.
by schachtw
Thu May 12, 2022 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Share your Net Worth Regression
Replies: 350
Views: 60141

Re: Share your Net Worth Regression

AA is 60/40
YTD -14% (1MM)
by schachtw
Sat Apr 30, 2022 5:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 5250
Views: 906790

Re: What are you up YTD? [Year To Date]

AA is 60/40. Down 11% YTD

Taxable: 85/15
Tax Deferred 100% bonds
by schachtw
Thu Mar 31, 2022 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Secure Act 2.0
Replies: 3
Views: 779

Secure Act 2.0

I have a question about the Secure Act 2.0, yet to be signed into law.

I turn 72 in November 2022 and am currently planning on taking my required RMD later in the year. I also understand that I have until March 31, 2023, to take the initial RMD, followed by a second RMD by Dec. 31, 2023.

The questions are:
If the Senate passes the Secure Act 2.0 in its present form, and it becomes law as of Jan. 1, 2023, will I still be required to take an initial RMD by the end of 2022? What happens if I decide to defer until early 2023, when it’s already law?

Thanks
by schachtw
Tue Mar 22, 2022 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Trust Question - Family member passed
Replies: 4
Views: 780

Trust Question - Family member passed

My brother and his wife each had revocable trusts, and from what I understand were co-trustees of each other's trust.

My brother recently passed away, and my sister-in-law has stated that at some point prior to his passing, transferred everything from his trust into his wife's trust.

I know this is an after the fact question, but I'm not sure this was the smart thing to do. Should he have left his trust alone?

Any thoughts?
by schachtw
Fri Mar 04, 2022 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - Form 1116 Schedule B cannot be e-filed
Replies: 7
Views: 2463

Re: Turbo Tax - Form 1116 Schedule B cannot be e-filed

I tried the itemized deduction method. The difference between the two was ~$400. Basically, the itemized deduction gave no tax break. But perhaps given the hassle, I should just eat the cost rather than develop gray hair :) If the amount was way higher, I would go for a CPA, but the CPA fees will eat up the $400 difference, not to mention the time spent hunting for a good one and then checking their work etc. That’s what I did, I took the path of least resistance and took the deduction rather than the credit. The deduction was approximately $500 less. As mentioned, CPA fees would have consumed most of the difference had I decided to go the credit route. Admittedly, I took the easy way out. Maybe TT will have all this sorted for the 2022 ta...
by schachtw
Fri Mar 04, 2022 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Foregoing Foreign Tax Credit Carryover
Replies: 21
Views: 2503

Re: Foregoing Foreign Tax Credit Carryover

I finalized our taxes yesterday with TT.

I did what the OP did; skipped the foreign tax credit and took the deduction. The deduction came out to be approximately $500 less than the credit.

Yes, TT handles form 1116, but if there’s a C/O,
it does not support or generate the new 1116 schedule B. Maybe next year? 😂

You have to manually download the form, and do the required work.

Admittedly, I took the easy way out - personal choice.
by schachtw
Sun Feb 20, 2022 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Experts: Co-Trustees With Full vs Joint Power To Act
Replies: 13
Views: 1223

Re: Trust Experts: Co-Trustees With Full vs Joint Power To Act

I am interested in learning about co-trustees with full power to act individually vs co-trustees that must act jointly. Here is the scenario. First case (co-trustee with full power): I create an irrevocable trust where I am the trustee. I open a brokerage account in the name of the trust, fund it, and I manage the account (because I am the trustee). A wealth planner at the brokerage house suggested it would probably be a good idea to amend the trust to name my spouse as co-trustee with full power to act individually. That way, spouse could also manage the account - e.g., if I were disabled, hospitalized, incapacitated or just simply wanted spouse to manage it periodically. We would do the same for spouse's trust account. In this case, it e...
by schachtw
Fri Feb 18, 2022 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax problem with Schwab
Replies: 18
Views: 2633

Re: TurboTax problem with Schwab

I have both VG and Schwab accounts. The VG import didn’t require any Intuit login account information. It appears each brokerage company has specific Turbo Tax import criteria.

I did have to create an Intuit account to import my Schwab 1099 data. I also immediately changed my Schwab password.
by schachtw
Fri Feb 18, 2022 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax problem with Schwab
Replies: 18
Views: 2633

Re: TurboTax problem with Schwab

For Schwab:

Login to your account. Go to the Services tab, and scroll down to 3rd Party Access

Hit the radio button allow 3rd party access.

You should bd able to import your Schwab 1099 data.
by schachtw
Mon Feb 07, 2022 7:48 pm
Forum: Personal Consumer Issues
Topic: How do you backup your computer?
Replies: 159
Views: 13342

Re: How do you backup your computer?

Win 10:
Monthly system image, and monthly backup of My Documents directory
by schachtw
Thu Jan 27, 2022 5:38 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7764
Views: 1351574

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

gas_balloon wrote: Thu Jan 27, 2022 12:02 am
schachtw wrote: Wed Jan 26, 2022 11:16 pm My wife and I received 9.5K in total bonus money for transferring our accounts.
Wow, great work!! That seems like a very large signon bonus. Did they automatically offer it to you? How large were the accounts being transferred?
I provided the best competing offer I could find at the time (Citibank, $3500), for each account over 2MM. They matched, and received 7K for the two trust accounts.

Schwab held firm at 2.5K total for the three IRA accounts. Likely could have done better if I had waited a year for the second batch of IRA transfers, or had chosen a different brokerage for the IRAs.

I didn’t want to do either, consolidating with one brokerage was important for us.

Like I said, more than satisfied.
by schachtw
Wed Jan 26, 2022 11:16 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7764
Views: 1351574

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I recently transferred our five Vanguard accounts (two revocable trusts & three tax deferred) to Schwab. As has been mentioned by others, and in my case as well, Vanguard didn’t explicitly take anything away from me. We had Flagship Select status, which other than the 100 free trades, meant nothing. The mobile App ‘upgrade’, is what pushed me over the ledge. Suffice it to say, Schwab was very eager to have me as a customer. My wife and I received 9.5K in total bonus money for transferring our accounts. Truth be told, I would have transferred without the bonus money. Lastly, I didn’t want to convert the mutual funds to their equivalent ETFs. Schwab waived trading fees for all VG mutual funds for me. Very satisfied with the results.
by schachtw
Mon Dec 20, 2021 4:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 11151
Views: 2085742

Re: What Movie Have You Recently Watched?

Pig - Hulu w/ Nicholas Cage.

I thought it was well done, thoroughly enjoyed it.
by schachtw
Mon Nov 22, 2021 5:24 pm
Forum: Investing - Theory, News & General
Topic: Schwab Information Thread with FAQ, Links, Tips and Q&A
Replies: 693
Views: 105005

Re: Schwab Information Thread with FAQ, Links, Tips and Q&A

I went to a local Schwab office, and they matched Citibank’s November transfer bonus amount. Plus they are waiving VG mutual fund trading fees.

The representative stated it takes approximately 45 days for the amount to land in the account.

I recently transferred our taxable accounts from VG to Schwab. It took 7 business days, painless.
by schachtw
Wed Nov 03, 2021 10:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new mobile app (formerly known as "Beacon")
Replies: 702
Views: 82532

Re: "Beacon," Vanguard's new mobile app

I followed the advice from some folks here. I called Schwab and asked them if I rollover my 401(k) to them will they waive fees for the Vanguard funds. They said they would be happy to and marked my accounts accordingly. So it looks like I’ll be buying vanguard funds such as life strategy but use Schwab since I like their app, website and most importantly their customer service. I realize I could buy ETFs but honestly I can’t be bothered even rebalancing so I’ll probably just go with lifestrategy funds and be done with it. How much did you transfer in order for them to offer waiving fees for the Vanguard funds? Did you also get a bonus? I didn’t transfer anything yet but at least 2M. How much bonus should I ask for? Since Schwab matches wh...
by schachtw
Mon Nov 01, 2021 6:59 pm
Forum: Personal Consumer Issues
Topic: Passport renewal time - what’s the current time frame?
Replies: 203
Views: 31258

Re: Passport renewal time - what’s the current time frame?

My wife and I renewed our passports almost a year in advance, so we weren’t in a rush. That said, we opted for regular passport service.

The applications were mailed, USPS Priority Mail in mid-June. USPS never changed the status to delivered. The Passport Agency acknowledged receipt of the applications on July 24. We received our new passports on Oct 18.

Four full months to process.
by schachtw
Mon Nov 01, 2021 5:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new mobile app (formerly known as "Beacon")
Replies: 702
Views: 82532

Re: "Beacon," Vanguard's new mobile app

I’m a Vanguard Flagship Select client, and haven’t been directly affected by the aforementioned customer service reported issues.

However, I made frequent use of the previous VG app, the one that got replaced with the downgraded version related to this thread. For ME, trying to make use this app just didn’t work. Each to his own, if it works for you - great.

That said, I drove over to my local Schwab office, showed them our two trust accounts balances, and am trying to get them to match Citibank’s offer of $3,500 for 2MM+ per account.

Let’s see what happens.
by schachtw
Sat Oct 30, 2021 5:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new mobile app (formerly known as "Beacon")
Replies: 702
Views: 82532

Re: New Vanguard mobile app

I have the old Vanguard App on my iPad. I now get ERROR, we’re unable to complete your request. It appears the older version can’t be used.

I have deleted the app from my Apple devices, and will rely on Personal Capital for browsing VG data.
Any financial transactions will be done on home laptop.

Thinking about Schwab.
by schachtw
Fri Aug 06, 2021 7:13 pm
Forum: Personal Consumer Issues
Topic: Passport renewal time - what’s the current time frame?
Replies: 203
Views: 31258

Re: Passport renewal time - what’s the current time frame?

My wife and I sent our passports in for renewal on July 6.
We just received notification the US State Dept. has received them. One month for delivery.

The not so funny follow up, is that USPS tracking still shows my package still in transit. As I understand, the passport center in Irving TX. sends couriers to the distribution center multiple times daily for applications.
USPS, doesn’t physically deliver to the passport center. They don’t bother doing the final scan many times.

4 weeks for delivery
6-8+ weeks for processing
?? Mailing back to recipient (fingers crossed)
by schachtw
Fri Jul 30, 2021 6:27 pm
Forum: Personal Investments
Topic: What is your percentage of debt to NW?
Replies: 203
Views: 20335

Re: What is your percentage of debt to NW?

Retired, 70
6.0% ( recent 30 yr mortgage at 2.75% - 450K)
Zero debt except for mortgage
Net worth 7M