I wasn't referring to this thread.Kookaburra wrote: ↑Fri Jan 20, 2023 2:16 pmI didn’t sense any angst. Seems like a valid question asked nicely.
Just the general repeated angst that we've seen whenever enrollment periods occur.
I wasn't referring to this thread.Kookaburra wrote: ↑Fri Jan 20, 2023 2:16 pmI didn’t sense any angst. Seems like a valid question asked nicely.
No idea what is getting swept up to the cloud from your device.montanagirl wrote: ↑Fri Jan 20, 2023 1:58 pm Amazon appears to sweep all inactive books to the cloud do that you need to re-download them to read them, look up a reference or something.
And I'd no sooner download them then they'd vanish again next time I opened it.
It really is aggravating and I don't recall it being this way originally. I mean I had a hundred great books between three devices.
So what would we be backing up?
Why not?TomatoTomahto wrote: ↑Fri Jan 20, 2023 1:38 pm My one time in Las Vegas (for a DECUS conference; I wouldn’t go otherwise), I put a bet on my ex-wife’s favorite number. It won. Someone told me to remove my money, because it would never come up again. Being a pedantic guy, I said it was as likely to hit that number again as any other. God has a sense of humor, so it came up again. Anyway, a couple misses, and I left the table with $1500 or thereabouts, back when that was money.
I did not decide that I could beat Las Vegas.
Start there. If you don't find what you want, look outside the marketplace.retired-early wrote: ↑Thu Jan 19, 2023 11:23 am I’m coming off Cobra soon and need to find health insurance. Should I just pick a policy on healthcare.gov?
If you can actually get that hybrid insurance, that might be your only option, other than saving quite a lot of money for your care.scalawag73 wrote: ↑Fri Jan 20, 2023 1:20 pm Given that I'm not eligible for LTCI, do folks have suggestions for alternatives? One of the LTCI purveyors, is suggesting I buy their whole life insurance product which can be borrowed from for health care purposes if needed, as an alternative to LTCI, but I'm skeptical.
They are ads. Designed to get people interested. And maybe to buy.
I see no connection between the frequency of the chicken games and the size of the debt.
Good point!ModifiedDuration wrote: ↑Fri Jan 20, 2023 10:19 am+1
Also, her spousal benefit would be based off of her spouse’s Primary Insurance Amount (PIA). If he is getting a higher amount than his PIA, due to delayed retirement credits, that would not impact her spousal benefit.
Their are no rules.rage_phish wrote: ↑Fri Jan 20, 2023 9:15 am Is there any rules or guidance as to when people generally start adjusting their AA with age?
Perhaps.
Not really.
About $31k/year.
About $31k/year.And vice versa?
This might help: https://www.ssa.gov/benefits/survivors/ifyou.html(Tried to get a clear answer online, but it was surprisingly hard to find info.)
Did the bank tell you that a refinance would be required?snoberdale wrote: ↑Thu Jan 19, 2023 9:37 pm I'm adding myself to a home mortgage my dad owns and removing him as he is retired so this involves a Refinance.
Your Kindle can be backed up to your computer.X528 wrote: ↑Fri Jan 20, 2023 9:03 am I have purchased many ebooks for my Amazon Kindle. I'm worried if Amazon goes out of business and there is no longer access to my ebook library, Kindle support and the Kindle device, how can I download and save the ebooks electronically?
Can I download the ebooks and save them on a disk or USB flash drive, or other means? Is there a specific file format that I should save them as? Can I access the ebooks using other devices?
You likely have to try some brands to find the taste you want.KnowNth wrote: ↑Thu Jan 19, 2023 7:24 pm During a recent Spain trip, I was hooked on Olives, the unpitted green olives that appear in almost all restaurants there.
After I came back, I tried to find several different olives from Trader Joes and Costco, but those olives are way too salty to eat as snacks. Anyone knows what brand of olives will taste similar to those served in Spain?
What do you mean by "a lot" in this context?carolinaman wrote: ↑Fri Jan 20, 2023 9:42 amI believe I have read in the past that most people do not require a lot of LTC.
Many use some home health services, at least for a while. Most often that is provided by a partner or a child. But clearly not everyone can depend on an elderly partner for the care they need. And not everyone has a child willing or able to provide free care.Also, people can sometimes use home health services to avoid LTC.
No.
Certainly more the latter than the former.Am I throwing money down the drain to lose it on depreciating stocks and mutuals or is this the opportunity of a lifetime to buy them at a huge discount?
Good luck.I won't be retiring for about 25-30 years and will be inheriting a 7 figure trust sometime in early retirement. I would like to have investable cash reserves instead of locking the money away to 62-65 years of age, so a lower contribution may best the best option regardless of market conditions.
Just importing/exporting. It's a pretty small facility - along the lines of a NYC apartment.8foot7 wrote: ↑Fri Jan 20, 2023 7:14 amI figured Vandelay Industries had a large latex facility in Colorado.
Yes.
I'm not sure what weaknesses you are imagining.Or are credit unions subject to the same weaknesses as the rest of the banking system? I know they have their own "FDIC".
Depends on how serious the threat seems. Right now, for most people, not so much.
Government shut downs and default on debt are not at all the same thing.
Maybe.Random Musings wrote: ↑Thu Jan 19, 2023 10:26 pm It would be the political death of the party who orchestrated blocking the debt ceiling change.
Yup. Seems unlikely you will find any other sellers who will donate money to your little animal shelter.tunafish wrote: ↑Fri Jan 20, 2023 6:13 am If a little animal shelter got several hundred dollars over the years, I have a hard time believing the spread too thin claim. My cancellation will presumably have no effect, but I feel better doing less business with them. I will also look for alternative sellers.
You should talk with the rental company ahead of time to specifically learn how your charges will change or not change in this scenario and the impact of changing the drop off location.ThankYouJack wrote: ↑Thu Jan 19, 2023 6:40 pm I'm planning a month+ long road trip out West and will be renting a car. I know when and where I'll start but I don't know the exact day and location of when it'll end. What if I reserve a car for 6 weeks and return it after 4 weeks? Will I still need to pay the full six weeks? Also is there any flexibility mid-rental to change the drop-off location?
You created a trust but didn't have a plan for what you would put in it? Is there anything at all in the trust now?
Something like "Thank you. I have decided I don't want to purchase a hybrid policy." is polite.SlowMovingInvestor wrote: ↑Thu Jan 19, 2023 8:42 am I know my 'advisor' is suggesting it because she would make a good commission on it, but I want to reject it as politely as possible. What specifically could I mention as negatives and reasons for rejecting it (I know I don't have to give a reason)?
Yes.1) The policy mentions Inflation Option: 5%. Does that mean the LTC benefit would increase by 5% each year?
No idea, but a good question for your 'advisor'.2) There is an Initial Specified Amount, which is around 85% of the planned premium. What diffence is there between these two?
Yup.
It's quite possible the fine print in your contract is out of date. That can happen with boilerplate language in contracts.neko06 wrote: ↑Thu Jan 19, 2023 8:07 pm Yes I'm guessing that since it is a recent law my boss doesn't know. Its a small office with no HR or accounting staff, just a very part time bookkeeper. Easy thing to miss. I'm thinking a casual conversation to bring awareness of the non-compliance will be fine. And respectfully asking for my time owed to be added.
The headlines say the debt ceiling was reached. They don't say default might occur next week, more like June or so.justsomeguy2018 wrote: ↑Thu Jan 19, 2023 12:35 pm The headlines are are saying the U.S. may default on its debt next week, or something like that.
Theoretically.I am sitting on about $85k of U.S. treasuries of various short-term maturity dates, not to mention bond fund holdings and i-bonds.
Is all of this money now at risk of being lost??
You could. I wouldn't. I can't explain much further without going into politics, but you can do a search to see what happened all the other times the debt ceiling was reached.Do I need to sell my treasury holdings and treasury funds to be safe??
That 2020 document is obsolete.
Since it is COLAed, take the pension, unless you don't think you'll live past 70 or so.FIREnow wrote: ↑Thu Jan 19, 2023 4:33 pm $39K pension (includes small cost of living adjustments and medical insurance, requiring small monthly payments, totaling $3,300 annually)
$640K lump sum (no medical insurance)
There's a 3rd choice of taking nothing now, with a higher pension at an older age, but no medical insurance if I don't retire within 90 days of my date of separation.
I'm nearly 55, have 2.3M saved, mostly taxed-deferred. Not married and no children. Take the pension?
We agree that the goal is 2% and that the Fed works toward that.thedaybeforetoday wrote: ↑Thu Jan 19, 2023 5:14 pm Suffice it to say, 2% goal has been the feds policy for decades now and the fed has been taking action, so they say, in accordance with that policy.
I guess it seems we disagree about there being any policy requirement to drive inflation under 2%. Perhaps you are right. We'll get to see what actually happens.DeliberateDonkey wrote: ↑Thu Jan 19, 2023 4:30 pmI don't mean to say that the Fed itself is required to do anything in particular, just that their stated policy goal (2% over the long term) currently requires it.JoeRetire wrote: ↑Thu Jan 19, 2023 3:07 pmAnd I have still seen nothing at all in their policy that requires inflation to run below 2% for a period of time.DeliberateDonkey wrote: ↑Thu Jan 19, 2023 1:27 pmNothing in their policy regarding AIT states that they won't allow inflation to run cool in order to "anchor longer-term ... expectations."
Maybe inflation will be very low again at some point. Maybe it won't. I don't see the Fed being "required" to shoot for that.
You don't know if the two of you agree or not? Couldn't you just ask?
And I have still seen nothing at all in their policy that requires inflation to run below 2% for a period of time.DeliberateDonkey wrote: ↑Thu Jan 19, 2023 1:27 pmNothing in their policy regarding AIT states that they won't allow inflation to run cool in order to "anchor longer-term ... expectations."
I guess 50x doesn't mean the same thing to different people.brennok wrote: ↑Thu Jan 19, 2023 11:34 am 50x is a little deceiving since it based off my current minimal expenses with little to no outside spending for things I don’t have time for while working. When I checked ACA premiums I was looking at around 15% of my current expenses just in premiums just to start. Through my employer it would be like 35%. I also only expect this to rise over the years.I would feel differently if I was 50x with a ton of extra spending I could cut back on. There is also the issue of expenses that are tougher to predict on how they might rise. Many people here saw their home insurance nearly double year to year.
As long as that is allowed in your loan agrement.
No. But why would you care anyway?Specifically will I piss off the loan agent or the bank?
No workaround is needed.Let's assume there's no prepayment penalty. Any other workaround or do people do this all the time?