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I have never bought the argument that I’d spend less if using cash, but there are some persuasive points being made for discretionary spending like restaurants. I encountered the 3% surcharge at an auto repair shop.

I see the product linked in be BH post is F&G which is one of the insurers that OP is considering.

They have too many locations near me. The location I was using kept entering scripts with 0 refills so I don’t trust them. I woudn’t dream of getting a jab there. I get jabs at Walgreen’s but they are shaky too.

Reply function acting odd.

I noticed CVS decided the optical services cubby at the back of the store wasn’t such a great idea after all. They apparently closed on short notice with no plans for what to do with that space. The ones around here look like half empty storage area.

I have enjoyed getting a free ride by using a CC and collecting cashback for a long time. I used to ask routinely for a discount for cash but almost no-one does that anymore. Yeah the cost for using CC has been baked in for a long while but with recent inflation it seems reasonable if merchants...

Yeah, I use that Blueprint “Details” page all the time so you had me scratching my head! The link to the insurer is frequently their brochure/marketing page but Blueprint lists details in a consistent format across all their providers. They even show their commission. I did note a wrinkle on...

Ok, thanks Mr Graybeard. I actually mis-spoke. It is secondary corporate bond details that I don’t know how to find. I forgot which thread I was in even though I started it !

Yes, I factored that in. You can see it in the post #35 screenshot.

Someone posted that you can preview the contract but I think it is just a summary. That is a great suggestion and you also get a “free look” period to review the full blown contract with a right to cancel w/o penalty. From what others have posted these contracts are extremely complicated.

OP, what index did you say was used for the illustrations?

Result: So that’s 3715 for her annuity. The other one calculates to 1857 so a total of 5572.

It’s generally pretty easy to find similar rates at comparable institutions IME. I never thought about too much in one particular bank but I do think about too much in the banking sector so I use other fincos (like insurance) to diversify. I generally only have a year or two of of expenses in a...

Dunno why but I get ~67k on immediateannuities.com also. Not saying its a scam, don’t think anyone is lying but there is a disconnect somewhere. OP could try some of these calculators himself and see if the quotes are consistent or ask FA if not.

That sounds awkward. I didn’t see any option for return of principal + interest at maturity. One of the things I like about MYGAs is they generally lock the rate at the time of application. Also, you get 30 days or more to fund the purchase at the locked rate. THEN you get 30 days or more to...

Maybe it’s just me but WOW, you really obscured how you got $84k/yr on $750k initially. Not saying it was intentional. It does make sense to do it the way you did but it’s a case of everybody’s situation is unique.

I disagree that the insurer behind the product does not matter but I would trust the two companies OP mentioned. Checkout the scam suffered by folks that bought annuities from Colorado Bankers Life. There are some onerous loopholes that attract fraudsters to insurance products. Commissioned...

Details! It would help if OP names the specific annuity product used to model the spreadsheet. Didn’t look at the charts but does it specify single life or survivor benefit and how much ? Even members that hate annuities generally acknowledge they can be useful for a fraction of the nestegg to...

I have long suspected that loyalty to an insurer is penalized, not rewarded. I get the new customer discount incentive but it’s as if their formula assumes if you’ve been with them for a long time with no claims, you are “due” for a claim. Do they think the odds change on the 10th flip of a coin...

I have had trouble finding statements for secondary market issues. Is there trick to finding these?

It’s worse than we know. (it always is). You can only drove legally ~10 hrs/day. Spending too much time confined to a truck cab sounds unhealthy, possibly unsanitary. $120k for long haul sounds reasonable. There are many, many jobs for drivers incl long haul and local, but again his HEALTH.

So how is he gonna drive if they DID have loads for him to haul. Your friend’s health is the #1 issue. Credit counseling is close behind but I dunno how this does not end up in bk. The wife has income as a teacher and pension in the future, right? I am not a big Dave Ramsey guy but I saw the...

Same experience here. Ours ran on a t-stat in summer and a humidistat in winter (midwest).

+1 In our area each neighboring property is notified of requested changes and can opt-in to updates. A property nextdoor filed but the change request was revised from residential to church property. A church property potentially has negative traffic and parking impacts. It turned out to be a...

Paywalled. Summary?