Basically you can't do this. Insurance companies have suitability requirements.
https://youtu.be/tETVbnpoTLY?si=VC_zEYhqMZDLQXoy
Video by Stan the annuity man
Basically you can't do this. Insurance companies have suitability requirements.
+1Cocoa Beach Bum wrote: ↑Thu Mar 28, 2024 11:23 am Here are some past BH thoughts about a well-explored topic:
https://www.google.com/search?sitesearc ... folio#ip=1
You are not alone. I feel the same exact wayI am forever grateful. I came to this forum knowing very little (most of it wrong). The forum has given me the tools to sleep well at night
Reduced? Exactly how?tibbitts wrote: ↑Wed Mar 27, 2024 10:55 amGiven that SS benefits have already been reduced for a large percentage of us vs. what we were promised when we started contributing, why shouldn't we be concerned that something similar could happen again? It's not necessary to speculate on exactly when or how benefits could be reduced, but it's indisputable that they already have been.Johm221122 wrote: ↑Wed Mar 27, 2024 10:31 amI have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it.
I have heard that for 50 years. Don't be concerned it's easily fixable. It's a political problem not a mathematical problem to fix it.
Yes, I pretty sure you do see current market value on your screenBeensabu wrote: ↑Tue Mar 26, 2024 3:13 pmYikes. Well nevermind then. No brokered CDs if you can't stand seeing something go down in value temporarily.Johm221122 wrote: ↑Tue Mar 26, 2024 2:46 pmBut you do actually see it
viewtopic.php?f=10&t=427886&newpost=778 ... ead#unread
Can you see marked to market values for individual bond holdings as well?
Your asset allocation depends on your specific situation. Only you can determine if this is excessive (or someone who had all your information and goals)
I just put the .5 size bottle in my cartklneutral wrote: ↑Fri Mar 22, 2024 3:01 pmShipped by Walmart. An order of TheraTears (eye drops) that had no extra charge a few days ago now comes with the extra $6.99 charge.Johm221122 wrote: ↑Fri Mar 22, 2024 2:04 pm Was it shipped by Walmart or 3rd party. On 3rd party orders a fee will still apply if applicable
And that was in "72", those numbers have grownhudson wrote: ↑Fri Mar 22, 2024 11:55 amI was a bellhop in the summer of '72.lessismore22 wrote: ↑Thu Mar 21, 2024 5:37 pm Curious to hear thoughts on leaving cash for the hotel staff when you check out of a room. If you leave a tip, how do you determine how much? If not, why not?
The tips were much appreciated. Tips made up for low pay. I made $30-40 a night. My bartender buddies made over $100 a night. Since they were riding with me, I had to wait an extra non-paid hour, but I got free drinks.
I leave $10 in the room for one night; more for more nights.
How do I determine how much? I want to be a much better than average tipper.
What do I think about the tipping habits of others? It's like personal finance, it's personal. No judgement by me.
I'm trying(depending on your definition of rich)jackholloway wrote: ↑Thu Mar 21, 2024 10:48 pm 3-5$ a night, cash, left in the room with a scrawled note. Always assuming I remembered to bring any actual cash with me.
One of my kin cleaned hotel rooms for a while. Nobody's getting rich working as a hotel housekeeper.
Actually where I work it would generally go to person stripping the room (linen and trash) or supervisor in most cases. Housekeepers take 30 minutes a room and we need to process that linen and can't wait for housekeeper to finish 16 rooms.H-Town wrote: ↑Thu Mar 21, 2024 5:53 pmNo.lessismore22 wrote: ↑Thu Mar 21, 2024 5:37 pm Curious to hear thoughts on leaving cash for the hotel staff when you check out of a room. If you leave a tip, how do you determine how much? If not, why not?
Do you know who you leave the tip to? Is it the person who cleaned your room before you check-in? Or the person who will clean the room for the next person checking in?
I just use the search featureKlangFool wrote: ↑Sun Mar 17, 2024 2:46 amCould you please recommend a YouTube channel for this?Johm221122 wrote: ↑Thu Mar 14, 2024 1:13 pm Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
Thanks in advance!!
KlangFool
Lump sum investing usually beats dollar cost averaging.
Angel of Empire wrote: ↑Thu Mar 14, 2024 1:30 pmI started doing this around 6 months ago, missing only a handful of days. I listen with headphones, undisturbed and you're correct- it's very enjoyable.Johm221122 wrote: ↑Thu Mar 14, 2024 1:13 pm Music
I listen to one album a day. When I was a kid we never had such access to whole albums as YouTube allows you today. My daily dose of listening to one Rock album is so enjoyable.
Today's album selection was The Grand Illusion by Styx, 1977.
Please share your source. What ACA calculator are you using?
And that is one side of my dilemma
Bogleheads wisdom would 100% depend on your specific situation. Investing choices are very dependent on individual circumstancesStactim wrote: ↑Sat Mar 09, 2024 11:25 am Hi All,
Is the Boglehead conventional wisdom still to have bond index funds as part of our asset allocation?
Been seeing a lot of negativity lately regarding bond index funds and how volatility is not that much less than stock index funds.
Just wanted to take others temperature on this.
Thanks!
Buffet doesn't hold international stocks? You may want to double check that. He has invested in Japan very recentlyjspa2026 wrote: ↑Wed Mar 06, 2024 7:42 pm [Thread merged into here --admin LadyGeek]
Is it fine to go half US half International or should I go all US stocks? I don’t really have any home country bias but it seems as though top investors like Buffet and even Bogle did not/do not hold international stocks. I’m not the type to try and copy all the top headlines I see, but I see a lot of news saying how US companies provide global diversification by having revenues from multiple other countries. The 2 funds I am considering are FZROX and FZILX. Thoughts?
I'm the exact person your describing. Yes in the best senerios I will pay more taxes on some of my contributions.But if the market doesn't perform well or for some reason I don't reach my goal traditional will be better. I'd rather pay a little more taxes in best case senerio then come up short in less than best case senerio.
Problem is "Baby Booomers" in general don't own the majority of the stock market. Very wealthy people and institutions do. Nothing changes by baby boomers retiring, the wealthiest don't need to sell every month to put food on the table.
baby boomers retire and sell in the same proportion that they are buying today.
https://www.google.com/shopping/product ... 44293,cs:1ruanddu wrote: ↑Fri Mar 01, 2024 9:30 pmThank you. Can you please let me know which one you are using?Johm221122 wrote: ↑Fri Mar 01, 2024 1:39 pm I use dome flea traps. They work for me. They are natural and very cheap. I use water instead of the sticky pads