Search found 1963 matches
- Wed Apr 05, 2023 1:00 pm
- Forum: Other Discussions
- Topic: How much to save for retirement
- Replies: 101
- Views: 96807
Re: How much to save for retirement
Hiring privately means finding aides who aren't employed by an company providing formal home care that is registered with the state. They may be entirely independent, but more often I've found that they work in organized groups with usually one person acting as a matchmaker. This gives them many of ...
- Wed Apr 05, 2023 11:19 am
- Forum: Other Discussions
- Topic: How much to save for retirement
- Replies: 101
- Views: 96807
Re: How much to save for retirement
Did your friend catch anything on tape? Yes, apparently quite a bit. Great idea about the tape recorder. Of course, the nursing home could claim that the tape is inadmissible because I'm sure they have a rule against unapproved listening devices. And they'd probably win. I think you have to get per...
- Tue Apr 04, 2023 12:47 pm
- Forum: Other Discussions
- Topic: How much to save for retirement
- Replies: 101
- Views: 96807
Re: How much to save for retirement
I did have a great offer some months back for a live-in aide, but sadly Mother wouldn't have anything to do with that. Same for carers - refusal as 'get out - my son will do all of that'. Oh how I relate to this too!!!! It took my mother falling and breaking her pelvis to get an aide into the house...
- Tue Apr 04, 2023 12:31 pm
- Forum: Other Discussions
- Topic: How much to save for retirement
- Replies: 101
- Views: 96807
Re: How much to save for retirement
The existence of those commercials indicates to me that this is a serious and ongoing problem, rather than that bad stuff doesn't happen because of the threat of lawsuits. The fact that terrible nursing homes exist would seem to indicate that the mechanism of state penalties / governor embarrassmen...
- Tue Apr 04, 2023 12:20 pm
- Forum: Other Discussions
- Topic: How much to save for retirement
- Replies: 101
- Views: 96807
Re: How much to save for retirement
CCRC's are a response to an almost intolerable situation that is guaranteed to get much worse over the next 20-30 years. I agree that a CCRC could be a risk if it suddenly implodes or gets mismanaged, but that's true of just about any arrangement you might make. My mother picked me to manage her car...
- Sun Apr 02, 2023 10:36 am
- Forum: Other Discussions
- Topic: How much to save for retirement
- Replies: 101
- Views: 96807
Re: How much to save for retirement
$5600/month ($1400/week x 4) is already miraculously low cost compared to prices around here. And yeah, I doubt that "better" means anything anymore, because all the nursing homes (including euphemisms such as "memory care") are understaffed, or staffed with "quiet quitters&...
- Sat Apr 01, 2023 6:51 pm
- Forum: Other Discussions
- Topic: How much to save for retirement
- Replies: 101
- Views: 96807
Re: How much to save for retirement
Thanks for posting that Tyler! I took a peek through the report you linked to, and it still cites figures by account balance, not total of all accounts per person. For example see this sentence: "The average account balance of those families owning IA plans increased from $79,262 in 1992 to $25...
- Sat Apr 01, 2023 1:25 pm
- Forum: Other Discussions
- Topic: How much to save for retirement
- Replies: 101
- Views: 96807
How much to save for retirement
Everyone's favorite topic! A recent WSJ article put this onto my radar - claiming that most Americans have such small retirement savings (median is $266K/person) that we are headed for a disaster. Especially with Social Security set to run out of money in 2033, forcing 25% cuts if Congress does noth...
- Thu Mar 23, 2023 10:00 am
- Forum: Permanent Portfolio Discussion
- Topic: I'M OUT!
- Replies: 64
- Views: 77540
Re: I'M OUT!
Take heart, Maddy, all is not lost! In one of his books, Harry Browne made it very clear that he designed the Permanent Portfolio to deal with exactly the disruptions to the market & economy caused by the Fed and other central bank "planners" that you describe. If it weren't for them, ...
- Sun Feb 19, 2023 8:50 am
- Forum: Bonds
- Topic: What happens to I-bonds if rates plummet again
- Replies: 46
- Views: 49934
Re: What happens to I-bonds if rates plummet again
Maddy, a few more corrections to your understanding of Series I bonds.... First, they are 30 year bonds in which all interest is tax-deferred until either you cash in the bond, or the bond matures (at 30 years). That itself is incredibly useful, as it's effectively an extension of a traditional IRA ...
- Sun Feb 19, 2023 8:20 am
- Forum: Cash
- Topic: Best place for cash
- Replies: 7
- Views: 3337
Best place for cash
Hey all, greetings! A rare post from me today....still way too busy to do much more than check in occasoinally to read posts, but I do have a topic for the group to ruminate on. For the past decade, I've focused on building up cash reserves in my taxable investment account. Cash was ideal for taxabl...
- Sun Dec 18, 2022 11:43 am
- Forum: Politics
- Topic: Deep-State Lies
- Replies: 25
- Views: 3000
Re: Deep-State Lies
Yes and no. I'd like to see this forum back to what it was a few years ago before saying my piece on such a topic. Not to mention, the evidence that has emerged about the FBI directly involving itself in moderating/censoring online speech at Twitter indicates that excessive caution is probably a goo...
- Sun Dec 18, 2022 8:07 am
- Forum: Politics
- Topic: Deep-State Lies
- Replies: 25
- Views: 3000
Re: Deep-State Lies
Slightly related, with the twitter unbannings/revelations, weren't there a few conservatives people on this forum who should have been banned for a month instead of forever? This forum used to welcome conservative views, but that stopped being the case some time back. Even if the bans are reversed,...
- Sat Oct 15, 2022 10:17 am
- Forum: Permanent Portfolio Discussion
- Topic: Are most people here sticking with Treasuries?
- Replies: 341
- Views: 172353
Re: Are most people here sticking with Treasuries?
The PP/GB that I hold is certainly performing no worse than the Boglehead 60/40 in my retirement account. Of course cash is getting walloped by inflation. So is everything else that portfolios are composed of, it's just that cash has been the best performing asset this year. The real question is wha...
- Sat Oct 15, 2022 10:04 am
- Forum: Cash
- Topic: I-bonds from tax refund
- Replies: 37
- Views: 10888
Re: I-bonds from tax refund
I bought my full aliquot of online I Bonds in January, and also got paper bonds with my tax refund in March. I filed in February as per usual, to reduce the chance that an identity thief will beat me to it - under the theory that he who files first, files best. I wonder if the problem is the timing ...
- Tue Oct 04, 2022 6:20 pm
- Forum: Bonds
- Topic: TBills as "the best horse at the glue factory?"
- Replies: 93
- Views: 13487
Re: TBills as "the best horse at the glue factory?"
I did what dualstow did: 3 month autorolled T bills in my Fidelity investment account, in 3 aliquots roughly 1 month apart. Figuring I'll add to it as new cash comes in. Sophie, it's good to hear from you! I hope you don't mind a question: do you buy T bills on the secondary market or at the auctio...
- Sun Oct 02, 2022 4:39 pm
- Forum: Bonds
- Topic: TBills as "the best horse at the glue factory?"
- Replies: 93
- Views: 13487
Re: TBills as "the best horse at the glue factory?"
I did what dualstow did: 3 month autorolled T bills in my Fidelity investment account, in 3 aliquots roughly 1 month apart. Figuring I'll add to it as new cash comes in. Also, I'm psychologically unable to review my accounts quarterly as I used to...the drop in value is too painful to look at. I'll ...
- Sat Jul 30, 2022 10:00 pm
- Forum: Other Discussions
- Topic: What happened to Sophie?
- Replies: 9
- Views: 1745
Re: What happened to Sophie?
Thank you all - I'll try to keep up the "visits" when I can!
And, special thanks from my mom, Mountaineer. She's had a tough couple of years but is relatively stable now...for a while I hope.
And, special thanks from my mom, Mountaineer. She's had a tough couple of years but is relatively stable now...for a while I hope.
- Sat Jul 30, 2022 2:50 pm
- Forum: Other Discussions
- Topic: What happened to Sophie?
- Replies: 9
- Views: 1745
Re: What happened to Sophie?
Hi all, I've been lurking occasionally, and was quite surprised to find this - thanks Smith for the shout-out. I stopped posting for several reasons. First and foremost, between my demanding job/career and my role as an Alzheimer's caregiver for my mom, plus getting elected to my coop board of direc...
- Mon Nov 01, 2021 9:55 am
- Forum: Bonds
- Topic: Staying the course with LTTs
- Replies: 86
- Views: 28357
Re: Staying the course with LTTs
Yes, I'm with foglifter here : I have the same question. And came to the same conclusion: I did switch to the Golden Butterfly, somewhat reducing the problem, but I'm going to stay the course. The reason is that we don't really know how the inflationary environment is going to unfold, and when the e...
- Thu Oct 14, 2021 12:13 pm
- Forum: Bonds
- Topic: Sucks to Be An I-Bond Hater
- Replies: 54
- Views: 21828
Re: Sucks to Be An I-Bond Hater
You won't miss out on the 7.12% no matter when you buy - you just have to wait a few extra months in order to get it. Meanwhile, the 3%+ interest rate is still a very good deal. I would give serious consideration to buying in October, which gives you an extra month of interest that still beats the p...
- Thu Oct 14, 2021 12:05 pm
- Forum: Cash
- Topic: Highest I bond rate ever: 7.12%
- Replies: 35
- Views: 11769
Re: Highest I bond rate ever: 7.12%
I am absolutely incredulous that banks and T bills are still paying near zero interest. A spread of 7% between inflation and nominal interest rates is absolutely unprecedented. I don't know what it might imply about monetary stability, but it's for sure not good. This kind of situation is what shoul...
- Sat Oct 09, 2021 6:38 pm
- Forum: Politics
- Topic: Are We Living Under Communism?
- Replies: 34
- Views: 14105
Re: Are We Living Under Communism?
Interesting thought that we might be conflating communism and fascism. It's a little hard to tell the difference, isn't it? There are definitely socialists/communists pushing in that direction, but there are also those (e.g. the Clintons) who simply want power and control. They are aligned right now...
- Fri Oct 08, 2021 4:40 pm
- Forum: Politics
- Topic: Are We Living Under Communism?
- Replies: 34
- Views: 14105
Re: Are We Living Under Communism?
There's nowhere better to go than here, I'm afraid. My answer to the thread title: No, not yet. But we're getting frighteningly close. Censorship, persecution for holding views that run counter to the state's preferences, a "Pravda" machine instead of the free press that the Founders envis...
Re: AZ audit
At the risk of being politcally incorrect, I feel obliged to point out that the Arizona audit book is not yet closed. 50,000 questionable ballots were found, and these have been referred to the Attorney General for further investigation. They included mail in ballots that were never sent out (i.e. p...