James McGlynn CFA RICP®

Comments:

• Oh yes indeed! Thanks!

  Post: Feed Your Brain

  Link to comment from September 19, 2024

• I have a hybrid LTC policy that I bought in my 50's. To say it is only for Alzheimer's care seems a little off. Yes it would pay for that but it pays for in-home care if I am also immobile. I play pickleball 5x a week but haven't tried the viagra booster. Thanks for the tip.

  Post: Avoiding Alzheimer’s

  Link to comment from September 14, 2024

• When I go to a website and it asks if I want "cookies" or do I want to waste time choosing which part of my privacy to sacrifice to read an article. CAPTCHA quizzes. (CAPTCHA stands completely automated public Turing test). I think Turing would roll over in his grave to know that we humans have to pass a test by robots to prove we are not robots. Especially when they deem we are robots!! Choosing electricity plans. Utilities are a monopoly and it is just a way to infuriate customers and make us waste time trying not to get screwed by high energy bills.

  Post: Monday is a good day for a rant. Let’s talk everything annoying. People, money, people

  Link to comment from June 24, 2024

• Apparently customer service demands that you never get to speak to a human no matter how many times you yell REPRESENTATIVE.

  Post: Monday is a good day for a rant. Let’s talk everything annoying. People, money, people

  Link to comment from June 24, 2024

• There is a word for that- "esprit d'escalier" (spirit of the staircase) which is a repartee thought of only too late on the way home.

  Post: Turning It Around

  Link to comment from June 24, 2024

• Having experienced high interest rates in the 1980's I wouldn't lock in anything long term at 5% or less. Until then I have a T-Bill step stool (not ladder). 4 tranches of 1-month T-Bills that mature each week. Until budget deficits addressed inflation not getting to 2%.

  Post: What should investors do about the possibility of higher interest rates?

  Link to comment from June 22, 2024

• Richard congrats. Very good boiled down list. Good perspective. Jonathan has created a forum that is informative AND civil.

  Post: Many Words Later

  Link to comment from May 21, 2024

• I did a period certain annuity from age 62-70 using IRA money instead of fixed annuity. More bang for the interim buck. Also your distaste for LTC I think unwarranted for hybrids which provide a huge umbrella for the longevity issue- as does a CCRC.

  Post: Playing Their Part

  Link to comment from May 19, 2024

• Roth till it hurts or bumps you into higher IRMAA brackets. Of course congress will come after it but it is another layer they need to breach.

  Post: Paying to Avoid Pain

  Link to comment from May 12, 2024

• However when it comes to the spousal filing in this case there is no reason to wait to age 70. Whether the other one files later or not the spouse should not delay.

  Post: Don’t Delay

  Link to comment from April 18, 2024