I’m not sure current agents will stick around for fees.
That will be great for ALL buyers and sellers right?
Metrics only work if it is within the agent’s control. Bad market, poor pricing by the owners, property on a noisy street are not in the agen’s control.Rocky Mtn Man wrote: ↑Fri Mar 15, 2024 10:07 amI imagine it would be based on metrics in a contract at the start of the sale.
Base pay of x, and a bonus of y if the house sells in z weeks, and 10% of the profit if a house sells over $xxx,000.
I'm not sure how it would work for the buyer's agent.
+1bob60014 wrote: ↑Sat Sep 16, 2023 8:46 am. (bolded mine)MCST wrote: ↑Sat Sep 16, 2023 8:10 am Should you carry your health insurance card in your wallet? Why or why not?
I always have, assuming that if I were seriously injured I’d want first responders to see I have private insurance and take me to a good hospital.
But, I recently read that it can be dangerous if you lost your wallet. Someone could use your insurance for fraudulent claims.
Sorry, that's not how it works for emergencies in most areas. You'll be taken to the closest available location. Besides, first responders don't give a darn about what type of insurance you may or may not have.
Sorry my birthday is mid MARCH, Corrected it in my post.RickBoglehead wrote: ↑Thu Mar 14, 2024 4:43 pmDottie57 wrote: ↑Thu Mar 14, 2024 4:27 pmDoesn’t the benefit start themonth AFTER your birthday?Silk McCue wrote: ↑Thu Mar 14, 2024 4:22 pm The benefit for each month is paid out the following month. It’s just the way it’s implemented. You will receive x months worth of benefit but the December benefit will be received in January.
Cheers
If my birthday is in middle of May, the benefit starts in April and I get my first payment in May. Am I correct?
No.
If your birthday is mid-May, benefits start in May. May benefits are paid in June.
My spin is that I would like more but I have enough. When I get SS I will feel rich. Everything is good.
Doesn’t the benefit start themonth AFTER your birthday?Silk McCue wrote: ↑Thu Mar 14, 2024 4:22 pm The benefit for each month is paid out the following month. It’s just the way it’s implemented. You will receive x months worth of benefit but the December benefit will be received in January.
Cheers
I loved them as an adult!
Bring other family members to also check out.catnamedspot wrote: ↑Thu Mar 14, 2024 3:45 pmI tried, but the self checkout won't accept them.tashnewbie wrote: ↑Thu Mar 14, 2024 3:44 pm Could you just do 3 separate self-checkout purchases (or regular checkout)?
Sounds frustrating.
Thanks!
This.mhadden1 wrote: ↑Mon Mar 11, 2024 5:53 pm1) She can bet after 3 semesters too.Ladeedaw wrote: ↑Mon Mar 11, 2024 3:58 pm Her arguments for leaving college:
She wants to "bet on herself" and try to do real estate. She feels like she can do really well financially.
She feels like she'll never use her degree.
She feels like she's wasting time with busy work in school and that it doesn't help her reach her potential.
She feels like my generation thinks college is a good idea, but that the world has changed and a college degree is no longer what it used to be.
2) She certainly won't use her degree if she doesn't have one.
3) Her untapped potential can be developed after 3 semesters.
4) Having no degree is exactly what it used to be.
This. If OP wants to overpower his wife, then stop and don’t get married.ScubaHogg wrote: ↑Mon Mar 11, 2024 7:03 amOh, wow. No. Way off.eevers27 wrote: ↑Sun Mar 10, 2024 8:05 pm Agreed there. I make it very clear on my goals for the future and show her what we need to do to achieve them and how much needs to go where. I am definitely the more financially savvy one and these types of things is what I genuinely enjoy doing. I have no problem creating a budget and enforcing saving/paying down debt to the tune of 'we can't go out to eat tonight because we are over our budget for the month and would have to dip into savings'. She may not like it, but it's for the better.
These are decisions y’all need to make together if you want this thing to work out
I have not had much marketing from Fidelity on any of the products you listed. Didn’t even know they existed. I did recently receive a call offering to help me with my inactive 401k. Inactive means I am retired.nisiprius wrote: ↑Tue Mar 12, 2024 12:54 pm
Of the $2.3 billion invested in FELC, I wonder what percentage is held by customers of Fidelity's brokerage, who have likely been exposed to Fidelity's marketing material? That's a real question, I'd be interested in know the answer. I'll bet it's much more than half.
The advisor wants to sell OP some high priced growth funds to justify 2% AUM. It is a twofer for the advisor.aristotelian wrote: ↑Tue Mar 12, 2024 9:48 amIf that is the case the advisor is even more off base.student wrote: ↑Tue Mar 12, 2024 8:43 amI think the cash is for a down payment. Given that it is already at $200k, I assume that he/she will buy a house within the next few year. So it seems quite appropriate to keep the money in cash.aristotelian wrote: ↑Tue Mar 12, 2024 8:37 am Looks like you have perhaps 25-30% in cash or bonds. That's a little conservative but not overly so. I do not think it is the job of an advisor to pressure a client into taking more risk. They should tell you the pros and cons of doing so but support you in making the choice.
I read in today’s WaPo that drug companies increased prices on a lot of drugs in January because of proposed government ability. To negotiat medicare drug prices.. Look to the pharmaceutical companies for this problem.
Then I would do 3 or 4. Only do 4 if you plan to live a long time in the house. #4 probably will only benefit you. A new owner might even think it is a negative for furniture placement or as a “walking on” surface.
The point is he can’t max all those at this point on his salary.
To get Medigap you first have to have original medicare part b.TravelforFun wrote: ↑Thu Mar 07, 2024 6:18 pm Why would anyone consider original Medicare? There is no annual maximum out of pocket cost and hence, your exposure is unlimited. Get Medicare Advantage or Medigap.
TravelforFun
+1Cheez-It Guy wrote: ↑Thu Mar 07, 2024 6:04 pmYou can't? I have thousands of MP3s on my iPhone 14. What do you mean?
Fidelity called me recently . I didn’t answer the first 3 calls but inadvertently did answer the fourth. The guy wanted to review my.portfolio, get me out of my “inactive” 401k, etc, etc. He implied that I NEEDED to move my investments out of my 401k because it was just sitting there. I Said no thank you. i am self managing and was happy keeping all the same.Chuckles960 wrote: ↑Thu Mar 07, 2024 11:38 pm This does not sound like Fido at all. I think the OP is being scammed.
I think given the circumstances that this is a great idea. As I would tell anyone - buy travel insurance.FootballFan5548 wrote: ↑Fri Mar 08, 2024 10:04 am I'm 40. Between Covid, family illnesses (MIL), and me starting my own business, we haven't done a big family vacation for my family of 4. We can afford it, just haven't found the time.
We did our honeymoon in Hawaii for 2 weeks and always vowed to go back.
In January my wife (also 40) was diagnosed with breast cancer and just this week had a major surgery and we're 3 days into recovery.
I am booking Hawaii for our family of four in August. Screw it. We'll make the time, we'll pay it off, we're just gonna go.
Life is short, gotta stop and enjoy it sometimes.
Outsourcing to off shore is a big problem in financial data and in health care. Many countries do not have same privacy laws as the U.S.Northern Flicker wrote: ↑Wed Mar 06, 2024 10:49 pmCalm that one's data was not breached if a brokerage customer, but not so calm that Fidelity evidently was breached via a breach at an off-shore IT contractor to which they evidently outsource.
Why would the SEC object?exodusNH wrote: ↑Thu Mar 30, 2023 10:09 amThat's true, but the SEC isn't likely going to approve anyone else doing the same.wolf359 wrote: ↑Thu Mar 30, 2023 10:05 amThis advantage may not be exclusive to Vanguard for long. Vanguard's patent on this structure expires in May of this year (2023).exodusNH wrote: ↑Wed Mar 29, 2023 12:34 pmETFs can generally avoid paying out capital gains at the end of the year.Random Walker wrote: ↑Wed Mar 29, 2023 12:23 pm The main reason I ask the question is I have someone telling me that ETFs are far superior with regard to taxes. Any comments from a tax perspective?
Dave
However, Vanguard mutual funds that have an ETF class are able to use the ETF to flush out capital gains. E.g., VTSAX and VTI. In this case, use whatever you prefer.