Sounds like a great deal. And as you stated it is close to work. Sometimes 3 miles can take you over a half hour at the wrong times.

Where in the BA? There are parts of it that $2800 won't touch a 1 Br and parts of it that you can just make it on that. But when you move to a HCOL area for housing you simply need to pay the local freight whatever it is.

Take a look at your illustration and take a look at the surrender values in the coming years. Does it make sense to keep paying the $12k to get at the higher surrender values down the road? I think not as over 100% of the first year's premium is paid to loads and underwriting costs. Sometime paying a few years more if you are ten or more years into the product would make a few more premiums worthwhile but not in the early years of the contracts.

If you put away $3k/mo it still will be 3-5 years until you get your down payment nest egg. So you are in that area where equities sometimes work and sometimes don't. If it were me, I think I would keep half of the investment in short term deposits like HYSAs, MM (think VMFXX), CDs or short Treasuries and the other half in some type of low beta ETF. Think SCHD or JEPI. Take a look at r/dividends and read some of their ideas.

$330k is roughly the same amount as a mortgage on a small house in the Midwest. Yes, it will take a while. Congratulations on passing the bar and finishing lawschool and getting a good job, but unfortunately it came at a cost to you.

Annualized yields are what you are seeing. Why buy at Auction? Are you buying from Treasury Direct? Buying treasuries at the market is the easy way.

Yes you do have $20k. You have the $13k they gave you and they have contributed $7k into your withholding account at the IRS. Depending on the dates you may get the $7k back this year or it may be next year when you file taxes. To get it back sooner lower your withholding from your future paychecks. Why? You already have $7k on deposit with the IRS for this year's taxes.

Using a jet to spread VX seems pretty egregious but it happened. I am surprised no humans were killed. If I lived near Dugway Proving Grounds today I would keep atropine injection modules on hand in case of any more accidents.

What they aren't saying is giving credence to the extraterrestrial origin theory.

I have done that but generally you can't pay it off til payment 3. They don't get paid if it is paid off in the first 60 days.

Evict him or ask the landlord to evict him and hopefully have a replacement roommate for both you and the LLs sake. Don't cover for a deadbeat.

Spoken like a true Jet jockey, that will fly over w about 20 minutes loiter time and swoop down so fast they can't lay down accurate fire for shit, expend a ridiculously light load of ordnance and head back to the concrete airconditioned O Club to have another gin and tonic. All the while the A-10 is hanging around laying down accurate fire and making a difference to the grunt on the ground. Yep, he will get shot up while doing it but that broken airframe will carry him home to fight another day.

I would think Ukraine would be better off with A-10s than F-16s.

A couple of hundred a month is about $2500/year. Do you think you would have deductible or copay of that or more each and every year? We haven't. We have had the Medicare Advantage Plan for 12 years now and only had one year when we used any of our $5300 annual copay max. I think that was about $2000 for one of us. We do pay the $20/40 copay when we have a Drs appointment but that is less than 5 times/year. Everything else has been covered, "knock on wood." Clearly the Supplemental plan is better if you have frequent medical problems. But when we made the initial decision we had pretty normal medical circumstances so guessed that the MA plan would be long time less expensive for us. So far it has been. My mentor chose the full $400/mo for both of them Med Suppl plan. His wife ended up having significant medical issues so that worked for her. He has been pretty healthy.

That is the real problem with the decision when you are 65......You have to guess what the future holds for you in terms of medical costs. High future costs, means that Medicare and a Med Supp plan will be best. Low future costs means a MA plan will work for you best. Unfortunately folks without means and experience in medical decisions often just take Medicare alone and that has significant holes as well as maximums that are easily exceeded.

It is a tough decision. One of the hardest I have ever had to make. Not only do you need to learn each competing system you have to predict the future....i.e., your need for expensive medical treatments. That is unfortunately unknowable. The way I approached it was to actually take all the classes I needed to become licensed to sell medicare advantage or medicare supplement plans plus classes on base medicare coverage. I don't know anybody of means that simply takes base medicare and trusts the Govt to take care of them although unfortunately those people exist. My analysis was that the best coverage was base Medicare and a complete medicare supplement plan that would cover all the overages medicare won't cover and all the holes it has underneath the maximums. However that supplement was going to cost my wife and I about $500/month extra or $6000/year. Every year we were alive. Yes, Medicare advantage has some holes.......ours is a $5300 annual CoPay. So long as we stay out of the hospital we can save that $6000/year and put that money away for the years when we unfortunately will need some overnight stays. I have a colleague, another insurance professional, that took the Advantage plan for himself, a normal retired healthy male, but took the supplement for his wife who had a history of substantial medical problems. I support his analysis and decisions.

Whatever decision you made.....advantage or supplement, hopefully it will actually work out for you the way you analysed the choices.

I have less problems with my Medicare Advantage plan than I did with my company medical insurance before I retired. It is a good deal for my family the consumer. I presume it is a good deal for the insurance carrier as they keep making slight improvements in the plan for the same cost each year. And it is a good deal for the Government as it costs them no more money that what my medicare premiums are. So that is a 3 for 3 win. Now if you are a Republican you could argue that nobody but the rich should have health care and I wouldn't be surprised, but for the rest of us this thing works well.

The PPP loan program was a "Full employment for Federal Prosecutors forever Act."

This time the 'West' actually just wants all violent asshats to stay inside their own country and leave neighboring countries the Hell alone.