Search found 8124 matches

by jeffyscott
Mon Oct 14, 2019 10:19 pm
Forum: Investing - Theory, News & General
Topic: REIT to Invest in Short Term Rental Market
Replies: 2
Views: 250

Re: REIT to Invest in Short Term Rental Market

And what about REITS for storage locker properties. I seem to recall that when I owned a real estate fund it had investments in mini-storage, not sure if it was REIT or just a regular stock. For short term rentals, there are these things that are sorta similar to Airbnb, called hotels. :wink: . I d...
by jeffyscott
Mon Oct 14, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 2013

Re: Car renting

The one time I had a problem was in Phoenix when I rented off airport (they left it at the hotel for me) and I noticed a gauge/crack in the windshield. I took a picture and thought nothing of it. I returned the car to the airport and when I got my emailed receipt I was charged $150 for damage. I ca...
by jeffyscott
Mon Oct 14, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 2013

Re: Car renting

As others have said, it can be significantly cheaper to rent off airport. The counter to that is if you rent at the airport they don't spend as much time looking for damage, so you are less likely to get charged for a scratch or small dent (from a shopping cart, not an accident). Regarding damage, ...
by jeffyscott
Sun Oct 13, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 2013

Re: Car renting

I would pay 0 attention to those ratings. Each location and each employee you deal with is going to be different and I doubt that there are any significant differences in the policies of the major rental car companies that are available via Costco. If the area you are in has tolls, that would be onl...
by jeffyscott
Sun Oct 13, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Bond Investing when Yield Curve is Flat
Replies: 89
Views: 7002

Re: Bond Investing when Yield Curve is Flat

Regardless its all guesses, but I think one thing we can learn from a flat/inverted yield curve is that there is a larger chance of it not performing to the normal mantra of "intermediate bond prices rise when stocks fall". In other words, the relationship is less correlated and more volatile durin...
by jeffyscott
Sun Oct 13, 2019 7:24 am
Forum: Investing - Theory, News & General
Topic: Time to Barbell one's [TIPS]?
Replies: 15
Views: 1228

Re: Time to Barbell one's [TIPS]?

Looking at a specific TIPS, the principle over 1000 is the amount that can be lost to deflation, if I understand correctly: https://www.wsj.com/market-data/bonds/tips So for example Jan 2024 TIPS shows accrued principle at 1099. This could potentially go as low as 1000, with about 10% total deflatio...
by jeffyscott
Sat Oct 12, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4530

Re: Best No Annual Fee Visa Credit Card with Cash Back

I think 3000 points are worth around $50, when used for Southwest flights.

Of course, it makes no sense to have a Southwest card, if you are not going to use the points for Southwest flights.
by jeffyscott
Sat Oct 12, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4530

Re: Best No Annual Fee Visa Credit Card with Cash Back

Southwest Airlines Visa Since there is not a no fee Southwest Card, maybe see if chase would convert the card to the Amazon Rewards Visa that they also issue and that you are apparently considering anyway? At least Southwest gives an annual point bonus that is worth about as much as the annual fee ...
by jeffyscott
Sat Oct 12, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Reopens Dividend Growth Fund-Press Release August 1
Replies: 32
Views: 4301

Re: Vanguard Reopens Dividend Growth Fund-Press Release August 1

Dividend growth fund did not exist in 1995. I think it was created sometime around 2002 :?: by renaming a Utilities fund. So your m* chart is splicing two completely different funds together in the case of VDIGX.
by jeffyscott
Sat Oct 12, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: Time to Barbell one's [TIPS]?
Replies: 15
Views: 1228

Re: Time to Barbell one's tips?

the obvious question is why would there be such an opportunity- i.e. is this a free lunch? some thoughts: 1) short term tips have deflation risk. this in general would be correlated with stock market risk IMO. in other words short term tips may have higher "beta". 2) long term tips- have more inter...
by jeffyscott
Sat Oct 12, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4011

Re: Disadvantages of a bank signup bonus

After doing a few of these, I decided the mental hassle of tracking a bunch of extra accounts and having to leave money sitting in them for X amount of time wasn't worth a few hundred dollars here and there. (But to each their own) I also have been cooling it; lot of stress to manage it (also fun b...
by jeffyscott
Sat Oct 12, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4530

Re: Best No Annual Fee Visa Credit Card with Cash Back

So basically, I am stuck with this roughly $100 annual fee card because there is a likelihood that my auto/home insurance rates will increase by more than $100 annually indefinitely if I cancel this card? I have an airline affiliated card, and to downgrade without my auto/home insurance rates incre...
by jeffyscott
Fri Oct 11, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4530

Re: Best No Annual Fee Visa Credit Card with Cash Back

Next week, I plan to call and cancel that card. No sense in paying an annual fee when other cards offer the same benefits with no annual fee. Cancelling a 20 year card, your only card, will have a big negative impact on your credit score. If I don't ever plan to obtain a loan or a mortgage, then ho...
by jeffyscott
Fri Oct 11, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4530

Re: Best No Annual Fee Visa Credit Card with Cash Back

Yes, the need for a Visa is for use at Costco. I have had only one credit card at a time my entire life and want to keep it that way. The Costco Visa eliminates the need to carry a separate Costco membership card, as they print the membership card on the reverse side of the credit card. Also makes ...
by jeffyscott
Wed Oct 09, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: Secondary vs new brokered CDs
Replies: 11
Views: 635

Re: Secondary vs new brokered CDs

the non callable cds secondary are priced Way Above Par-no way I would buy them Why would it matter if they are priced above or below par? At the time I was buying it was typically the opposite, but I bought based on YTM and didn't really pay attention to the price. Ah, dm200 reminded me of the ans...
by jeffyscott
Wed Oct 09, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Secondary vs new brokered CDs
Replies: 11
Views: 635

Re: Secondary vs new brokered CDs

elainet7 wrote:
Wed Oct 09, 2019 7:22 am
the non callable cds secondary are priced Way Above Par-no way I would buy them
Why would it matter if they are priced above or below par?

At the time I was buying it was typically the opposite, but I bought based on YTM and didn't really pay attention to the price.
by jeffyscott
Tue Oct 08, 2019 9:54 pm
Forum: Investing - Theory, News & General
Topic: Secondary vs new brokered CDs
Replies: 11
Views: 635

Re: Secondary vs new brokered CDs

When I was buying brokered CDs, I bought mostly secondary for the higher yields. I also liked that they always settle in two days, with new issues they may offer them weeks ahead of time and that may mean the money is sitting in a low yield settlement account waiting for the CD purchase. Schwab make...
by jeffyscott
Tue Oct 08, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Paying United Health Care Dental with credit card?
Replies: 8
Views: 655

Re: Paying United Health Care Dental with credit card?

Thanks for the comments. After looking at some credit card terms, I think what they are warning about is that credit card companies do have things that they call "cash equivalents", where the card company would treat a transaction as a cash advance. The ones I looked at mention things like traveler'...
by jeffyscott
Tue Oct 08, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Paying United Health Care Dental with credit card?
Replies: 8
Views: 655

Paying United Health Care Dental with credit card?

Is there anyone who happens to pay for a United Health Care dental plan with a credit card? This is for dental that is sold under the name UnitedHealthOne (site also mentions "Golden Rule"), here: https://www.uhone.com/insurance/dental I am trying to determine if they would actually charge this as a...
by jeffyscott
Mon Oct 07, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: Bond Investing when Yield Curve is Flat
Replies: 89
Views: 7002

Re: Bond Investing when Yield Curve is Flat

Schwab's rational for that type of ladder FWIW: 1. Reducing risk. By staggering maturity dates, investors avoid getting locked into a single interest rate. But if I were establishing a 1-10 year ladder today, the range of rates I would get is just 1.34-1.58% based on the treasury yield curve site. ...
by jeffyscott
Mon Oct 07, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: Bond Investing when Yield Curve is Flat
Replies: 89
Views: 7002

Re: Bond Investing when Yield Curve is Flat

While doing some research on Treasury yield calculations I came upon this recent article from schwab. Barbells and Bond Ladders: How to Invest When the Yield Curve is Flat There seems to be little difference between the two options (barbell or ladder) as presented there. If I understand correctly, ...
by jeffyscott
Sat Oct 05, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: Questions about long term capital gains/dividends
Replies: 8
Views: 755

Re: Questions about long term capital gains/dividends

Svensk Anga wrote:
Sat Oct 05, 2019 8:47 am
That 78,750 is taxable income. If you take the standard deduction of $24,000 for MFJ, you can have up to 102,750 of gross income before your qualified dividends or LTCG are taxed.
Actually $103,150, with that std deduction going to $24,400 for 2019.
by jeffyscott
Sat Oct 05, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: no head rests on passenger vans?
Replies: 7
Views: 871

Re: no head rests on passenger vans?

Just FYI, GVWR is the maximum loaded weight that the vehicle is rated for by the manufacturer, not the weight of the vehicle itself. If it is capable of carrying 12-15 passengers, the GVWR would need to be more than 1500 pounds above the vehicle's weight just to account for the passengers. This is ...
by jeffyscott
Sat Oct 05, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: no head rests on passenger vans?
Replies: 7
Views: 871

Re: no head rests on passenger vans?

This looks like the relevant regulation, and it exempts head rests on cars over ~10,000lb https://www.law.cornell.edu/cfr/text/49/571.202a And it sounds like these large passenger vans are near that threshold (but closer to 8500-9500lb). Just FYI, GVWR is the maximum loaded weight that the vehicle ...
by jeffyscott
Fri Oct 04, 2019 11:50 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 9367

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

The picture will change if you have larger accounts with lots of dividends and/or you use it as checking account. Can you even use the Schwab settlement account as a checking account? Schwab has actual checking accounts for that. The interest paid by Schwab on checking is also not great, but is bet...
by jeffyscott
Thu Oct 03, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: Selling Brokered CD question
Replies: 14
Views: 660

Re: Selling Brokered CD question

With the low interest rate environment I've decided just leave well enough alone and stick with the 2% and as TylerAspect noted if it gets called I save the bid-ask spread. I realize that you are planning to keep it, but was the 2% the current yield to maturity or just the current coupon rate? Sinc...
by jeffyscott
Thu Oct 03, 2019 8:44 am
Forum: Investing - Theory, News & General
Topic: Should I convert taxable accounts of Vanguard MF to ETF
Replies: 13
Views: 1115

Re: Should I convert taxable accounts of Vanguard MF to ETF

I have toyed with this and since, within Vanguard, it is a tax free event, should I convert to the ETF equivalent? I am starting to think the ETF equivalent fund would be better in case there is a bit of a run on the MF requiring them to sell and driving huge cap gains to me. Thoughts? In the highl...
by jeffyscott
Thu Oct 03, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 9367

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

Vanguard has never charged me anything when I buy CDs either. They do not charge an added commission for new issues and neither do Schwab or Fidelity. So if you only buy new issues there is no commission charge added. They do charge for secondary CDs. As you can see from the commission schedule, th...
by jeffyscott
Wed Oct 02, 2019 12:24 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value is now just anti-technology
Replies: 30
Views: 2680

Re: Small Cap Value is now just anti-technology

There is an ongoing debate over whether price/book is a good value metric: https://www.bogleheads.org/forum/viewtopic.php?t=68291 and https://www.bogleheads.org/forum/viewtopic.php?t=68291. However, many of the most popular small-cap value funds do not rely solely on price/book to measure value. Fo...
by jeffyscott
Wed Oct 02, 2019 12:20 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 9367

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

Now if only they’d eliminate mutual fund commissions of $49.95.. :happy I had two CDs at Schwab I wanted to sell, would have been $20 apiece. I wanted to buy two Vanguard funds with the proceeds, would have been $49.95 apiece, total $139.90 I moved the two CDs to Vanguard ($25 fee for the move), so...
by jeffyscott
Wed Oct 02, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: Is "after tax" info available other than from Fidelity
Replies: 12
Views: 924

Re: Is "after tax" info available other than from Fidelity

It is meaningless because your tax costs are specific to your own income and situation. In fact mutual funds are not taxed as entities themselves, so it doesn't even make any sense to talk about after tax performance of a fund. I admit I don't understand why this do this. I do know that what they d...
by jeffyscott
Wed Oct 02, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: Should I convert taxable accounts of Vanguard MF to ETF
Replies: 13
Views: 1115

Re: Should I convert taxable accounts of Vanguard MF to ETF

I am starting to think the ETF equivalent fund would be better in case there is a bit of a run on the MF requiring them to sell and driving huge cap gains to me. What does this statement mean? I thought one disadvantage of a MF is if there is a lot of selling of the fund by fund owners then the fun...
by jeffyscott
Wed Oct 02, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value is now just anti-technology
Replies: 30
Views: 2680

Re: Small Cap Value is now just anti-technology

Vanguard small Cap Value (VBR) is 10.46% in tech Ishares S+P 600 value (IJS) is 13.72% tech That hardly seems anti technology It's a strong tilt away from tech compared to the S&P500, which is 26% tech. But should that be the comparison, or should it be compared to S&P 600 (15.6% tech) and Vanguard...
by jeffyscott
Wed Oct 02, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 106
Views: 9367

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

Now if only they’d eliminate mutual fund commissions of $49.95.. :happy I had two CDs at Schwab I wanted to sell, would have been $20 apiece. I wanted to buy two Vanguard funds with the proceeds, would have been $49.95 apiece, total $139.90 I moved the two CDs to Vanguard ($25 fee for the move), so...
by jeffyscott
Tue Oct 01, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying CDs at Vanguard vs Online Banks
Replies: 25
Views: 4174

Re: Buying CDs at Vanguard vs Online Banks

The duration of the ultra short bond fund is .9 years, so if rates were to rise you could lose principal which isn't the case with CDs. The SEC rate is just .17% higher than the Vanguard Prime Money Market Fund. The risk probably cancels out the benefit of the very slightly higher rate. With $50K, ...
by jeffyscott
Sun Sep 29, 2019 3:34 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2713

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

Yeah, I would have assumed that would be their interpretation. I just meant that some of us don't want ice makers and buy freestanding ranges.
by jeffyscott
Sun Sep 29, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2713

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

I am in the middle of a kitchen remodel. All of my cards (including Fidelity) exclude anything installed in real estate which is "hard wired or hard plumbed", so basically no coverage on appliances. I guess that depends on your choices, for us that would exclude only the dishwasher. Covering the re...
by jeffyscott
Sat Sep 28, 2019 1:11 pm
Forum: Investing - Theory, News & General
Topic: Schwab Money Market Fund Expense Ratio??
Replies: 11
Views: 984

Re: Schwab Money Market Fund Expense Ratio??

I think Fidelity money market ERs are higher than Schwab's. The only way to avoid is to not keep any excess cash there. Other options that may or may not work for your situation would be buying T-bills or using a fund that is not quite cash, e.g. short or ultra short term bond fund. I think the rep ...
by jeffyscott
Sat Sep 28, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4416

Re: How much cash do you keep in your HSA?

I'm conservative with HSA, while it is like a Roth if used for medical expenses, if you end up not being able to use it for that then it is like a TIRA. By the time we both reach Medicare age, with no growth, we may have about $70-85K in there and I am not convinced that post age 65 medical expenses...
by jeffyscott
Sat Sep 28, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 4651

Re: Dental Insurance for Retirees

Another thing to look into are dental discount programs where you would just pay the contract rate to the dentist. I think Delta Dental offers it in certain locations. Aetna has one called Vital Savings for $75/year which I'm considering for next year. The Delta version is called Delta Dental Patie...
by jeffyscott
Fri Sep 27, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2713

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

I may just cancel the Citi double cash back card since there is no point in having it now, you can get 2% with the Fidelity card (though you have to wait until you have $50 cash back in order to cash out.) OTOH, the rebates are automatic with Fidelity. Since there is no annual fee, I will definitel...
by jeffyscott
Fri Sep 27, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)
Replies: 22
Views: 2713

Re: PSA: Credit Card Companies Are Changing Benefits (Extended Warranty, Trip Insurance, Rental Car Coverage, Etc.)

Edit: I guess to make this actionable, if you're in a similar boat as me (AMEX Blue Cash, Citi Doublecash) as main cards, what would you switch to in order to retain benefits? My most important benefit is warranty extension for big purchases. I think the best warranty extension is the Costco Visa, ...
by jeffyscott
Thu Sep 26, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: 2019 Camry vs RAV4
Replies: 48
Views: 5967

Re: 2019 Camry vs RAV4

Sunroof is more than just something you don't use, it cuts into headroom.

I'm unlikely to ever consider a Toyota or Honda, as long as they continue to have such limited choices. It's ridiculous, given their volume of sales.
by jeffyscott
Thu Sep 26, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: Actively-managed bond funds
Replies: 21
Views: 1725

Re: Actively-managed bond funds

I don't think we know that active management is foolish and is doomed to underperform. I think we know that costs matter. Even indexes have security selection rules and rebalancing rules, and some have committees who decide what is in and what is out. If somebody offers me an active bond fund with ...
by jeffyscott
Thu Sep 26, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: Weighted vs Arithmetic Index's
Replies: 6
Views: 529

Re: Weighted vs Arithmetic Index's

I am a little uncomfortable having more than 1/8th of my funds in 5 high tech companies. You could put some money in a different fund (eg. foreign, small cap, value) to reduce the weighting of the largest companies. If your 401K does not have other low cost fund options, then maybe you have an IRA ...
by jeffyscott
Tue Sep 24, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: Global Wellington and Wellesley and fund size
Replies: 6
Views: 967

Re: Global Wellington and Wellesley and fund size

Smaller asset base would allow the global funds to take a meaningful position in smaller companies. IDK if they choose to actually do so or not. With $100 billion, 1% of assets would be $1 billion and that would be, for example, 5% of a company with $20 billion market cap. I'd guess that'd be somewh...
by jeffyscott
Tue Sep 24, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Help with pension choices
Replies: 36
Views: 2584

Re: Help with pension choices

The GPO refers to the government worker whose spouse dies and he is entitled to social security benefits but receives a government pension. The spouse, widow or widower is the government employee and not the spouse of the government worker. I'm not affected by this, but just curious, does this mean...
by jeffyscott
Mon Sep 23, 2019 8:10 am
Forum: Investing - Theory, News & General
Topic: Home as Investment: Would Negative Interest Rate Makes Sense?
Replies: 5
Views: 861

Re: Home as Investment: Would Negative Interest Rate Makes Sense?

Don't worry. While the banks may pay negative interest rates, they won't charge negative interest rates. Dale Yep, here are a couple sites showing 30 year mortgage rates of 1.81% and 1.49% in Germany: https://hypofriend.de/en/mortgage-rates https://www.isbank.de/en/consumer-banking/mortgages/mortga...
by jeffyscott
Sun Sep 22, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Condensing furnace condensate
Replies: 7
Views: 843

Re: Condensing furnace condensate

I'd never heard of this being an issue, I guess I knew it was somewhat acidic but it never occurred to me that it would be strong enough to cause a problem. Anyway, mine goes to a floor drain and sewage pipes are plastic. For the sump set-up, why not just drop limestone gravel in there or something ...
by jeffyscott
Sun Sep 22, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Help with pension choices
Replies: 36
Views: 2584

Re: Help with pension choices

I think the age of spouse may be factored in, it was for mine. But what they don't (and I think, legally, can't) consider is the sex of the spouse, so that means it is likely that if one's spouse is female the option with 100% survivor benefits is going to be the best value. But if the spouse is ma...