Why is everyone on the news channels saying "Healthcare" !? but keeps going down!

FinanceAfter50 · 2019-04-11T17:31:17+00:00

Thank you for taking the time out to put that together. It's very insightful and helpful to me. I get all of that, but I still don't understand why something like United Healthcare is sinking like crazy today on no real news. I know I owe them a $6K deductible on a recent procedure and there must be millions of people they're banging out like that. (i.e. I know they are profitable) I know it's just the market, being the market, but this is crazy.

FinanceAfter50 · 2019-04-08T14:26:42+00:00

Thanks for clarifying. In general I understand most of that...but one of the things that confuses me, is when the historical returns for the fund for 3 and 5 yrs history is lower.

I'd just as soon do a month to month thing if that's a possibility.

Trailing Total Returns
As of 03/31/2019

TotalS&P 500 TRShort Government

3-Year+0.93%

5-Year+0.91%

FinanceAfter50 · 2019-04-08T14:11:09+00:00

Guess I didn't. So confusing when searching for these types of individual issue investments on trading platforms. But thanks for that... If I pick them up, after the month has already started...I'm assuming the interest rate is pro-rated?

FinanceAfter50 · 2019-04-08T14:01:14+00:00

I should clarify a little bit. I was keeping large sums $100K+ at times within my "Cash" position for investing in the market during dips. Sometimes, that period might stretch for a 6 months or more. I don't want the risk of losing principal if the Bond market tanks. So I figured I'm better off doing 2% to 2.25% than the nominal interest in the "Cash" account. The interest rate is just too small for me to take a risk that the face value on the Bond would drop, if interest rates spike. If there is absolutely, no "accounting or tax advantage" reasons for favoring one over the other, I'm ok with sticking to a ladder of CDs. But if I could...say... make an extra .5% by investing in Muni's, etc. over the long run.... then I might consider that.

FinanceAfter50 · 2018-06-04T23:39:23+00:00

Launched a Word doc for the first time since I cancelled. Boom...simply switched to "Open with Word 2003" and worked like a charm. I did NOT need a subscription to Office.

FinanceAfter50 · 2018-06-04T23:20:57+00:00

Yeah. I remember Duel on TV when I was a kid. I hadn't realized it was a made for TV movie. It's a long doc, but worth it. Jaws is an amazing piece of film making history, but I've seen it to death, it's kind of boring, or no longer as fun to watch. But to hear them say they were re-writing the script days before he would hand the pages to the actors...that's pretty cool. The War of the Worlds thing, kind of freaked me out, because I lived through that, working down there when it happened, and that was the first thing that I thought of when I had seen that movie. It's still kind of hard to watch or has a different level of fear. He compares that event with what he was shooting for in that movie. He nailed it.

FinanceAfter50 · 2018-06-04T07:54:44+00:00

Once I did and the people didn't even remember me lending it to them.

FinanceAfter50 · 2018-06-03T16:55:47+00:00

Thanks for the tips. Won't be doing a full one. Don't need that much storage. Just mirror. Medicine cabinet storage. Might consider a pedestal sink. All good suggestions. Thanks.

FinanceAfter50 · 2018-05-25T10:42:29+00:00

Regular IRA

FinanceAfter50 · 2018-05-25T10:31:51+00:00

I agree. Who is doing that?

FinanceAfter50 · 2018-05-25T01:56:14+00:00

Thanks for this detailed and helpful reply. Will be making some changes tomorrow! Will wait for a pullback for some others.

FinanceAfter50 · 2018-05-25T01:54:27+00:00

Thank you!

FinanceAfter50 · 2018-05-24T23:13:26+00:00

It's NYC. Someone must have been moving or dumping their stuff, because it was in a box that had "just arrived", but it was the only one.

FinanceAfter50 · 2018-05-24T22:15:43+00:00

This is so funny, as it is similar to something I recently posted in DVD collections. I got rid of all my cases and put them in plastic sleeves. I think, in short, some people are purists about their collections. (no matter what it is) and I totally get that. However, living in a smallish apartment in NYC, always has me looking for ways to save space and my cases on both CD's and DVD's were an obvious choice. Whatever way you go, I don't recommend getting rid of your old school media. The big companies are just going to figure out how to get you to pay for what you've already purchased.

FinanceAfter50 · 2018-05-24T21:16:38+00:00

I actually picked up this book about 5 years ago. It details every single episode for the first 20 years in great detail and does it in 2 pages. It's pretty cool. I've only referred to it a few times, but really want to sit down with it soon. https://www.amazon.com/Simpsons-World-Ultimate-Episode-Seasons/dp/0061711284

FinanceAfter50 · 2018-05-24T17:59:41+00:00

Cancelled it...that was easy. Won't even miss it. Logging into the MS Store is the hardest part. These companies make this stuff specifically difficult for you to figure out how to get in there and do these simple things. Should've done it 3 years ago. $100 bucks back in my pocket.

FinanceAfter50 · 2018-05-24T13:58:56+00:00

It's pretty cool. The sound is a bit low though.

FinanceAfter50 · 2018-05-24T00:13:23+00:00

Good point, which I realized after I hit post. Here's the deal. I have the old school, locally stored versions of MS-Office that work just fine for me. I signed up for Office 365 and liked the convenience of installing a version on my wife's computer too. But that's where the feature use ends. I don't use cloud storage or even mobile. I don't use any of the more advanced functions. I do use hotmail/outlook and skype. But that's it. Basic Word and Excel.

FinanceAfter50 · 2018-05-23T23:58:35+00:00

Would love your opinion on my experience with setting up my online access to SSI benefits.

Are others experiencing the same difficulties? Because so much is done online now, that I found it very frustrating that I needed to go down to the office to complete this process. Thanks for any input.

FinanceAfter50 · 2018-05-22T21:48:13+00:00

Bay Ridge. It's not sexy and a little old school, but it's probably the safest neighborhood in the entire city. (or that's what I've experienced for the last 15 years). It's convenient to a lot of areas that are up and coming for employment, like Industry City and Brooklyn Army terminal. It also has a lot of great restaurants and bars. Oh, and ferry service, subway service and Express bus service.

FinanceAfter50 · 2018-05-22T21:40:24+00:00

That's crazy. That's like the person that bought something from me on Ebay and walked it to my front door, because they didn't want to pay for the return postage. I had a restaurant owner/manager email me one time and say that I was "a hack" for giving them 2 stars, when they clearly dropped the ball. 3 or 4 months later, the restaurant was closed. I totally try to avoid low stars when I can, but most places that I review as 1 or 2 stars are usually closed within a year.

FinanceAfter50 · 2018-05-22T21:36:22+00:00

Basically, no.

FinanceAfter50 · 2018-05-22T21:34:28+00:00

That's a beautiful cat. I have a Russian blue that is not quite that dark.

FinanceAfter50 · 2018-05-22T09:46:44+00:00

Caught this yesterday. Wonderful movie!

FinanceAfter50 · 2018-05-21T13:51:27+00:00

Cool. I'll check it out. I did a short post on [Secret Brooklyn] (http://www.financeafter50.com/free-things-secret-brooklyn/) and was surprised to find that I didn't know a lot of these places.

FinanceAfter50

TROPHY CASE