The next "greatest bull market ever" will probably happen a couple of times in your lifetime. You want to be as invested as possible before that happens and nobody can predict when it will.

If you need that money for other priorities that's one thing. Go spend it on that instead. If this is money for retirement then it isn't doing the job you assigned it while it is parked in cash.

To be clear, if I file as an appointed administrator of his estate, I simply have to take care of his debt via his estate right? I'm not inheriting any personally liability for any of his debt?

You don't have a long term lease. You're just being asked to leave now that your lease is over. Eviction is when you're told to leave during the middle of your lease for breaking the contract.

There's no downside to asking/negotiating a lease that better suits your needs. I would expect the 10% increase is not negotiable but the duration is. While the landlord holds the power to dictate terms of the lease, there is a cost for them to replace you with another tenant so most will be reasonable to accommodate shorter lease requests in my experience.

A free consultation could at least point you in the right direction.

The laws on this are going to vary from state to state. A post at r/legaladvice might get some help.

I’ve been using Quicken for several years for budgeting, I think it would do what you are asking for.

That’s fair, but it’s not the smartest.

If the market on average goes up, or goes up on average at any given time. DCA means on average missing out on some growth. The optimal thing is to invest as much as you can afford as soon as you have the money. If you have a big lump, invest it now.

It’s not a huge difference and DCA can feel safer, but in plain math it loses out.

In CA they can’t force you to sign a lease when you’ve been month to month. If they want to terminate your month to month, they must give you a 60 day notice to vacate. Also, if the building/complex you live in meets a certain set of rules (one of which it’s more than 15 years old), they cannot legally raise your rent more than 10% higher than at any point during the previous 12 months.

So in your case (most likely, but you’ll need to read up on the specifics for your city/county) they can either raise your rent a maximum of 10% and keep you at month to month, provide a lease option at x% raise for y months (usually a lower monthly price to incentivize people to lock into the commitment), or provide you with a 60 day notice to vacate if they don’t want to provide you with a month to month option.

In CA the rental market has a lot of protections to tenants, so a little Google and online research will help point you in the right direction 👍

Yeah the roommate likely took anything of value or tossed it out. I would contact the roommate but I don't know how. I don't know who he is or where he lived before his passing. My brother was a hoarder and a long time ago, was known to have kept a storage locker. So that is something else that I don't know how to go about checking.

You are on a month-to-month lease. They are giving you notice that you need to sign a lease or need to leave.

Those are your options.

That "advisor" from Northwestern Mutual will just try to push whole life insurance on you. Run away from them.

Just thought I had more time to save and not move. It feel like an eviction in a way.

Someone will have to file with probate court in his county of residence, to be appointed administrator of the estate. Then that person is responsible for paying any bills out of the assets of the estate, if there are any. The rest of the estate has to be disbursed according to the laws of the estate where he lived.

Now in reality, if he has basically no money, his roommate will probably give his stuff to whoever shows up.

You can call the investigator and get the address, or maybe contact info for someone local.

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Thank you, great advice

List to /u/wickedkittylitter he speaks the truth.

You should be finding index funds with very low fees. Vanguards S&P index fund it .04% Fidelity I know has some fee free ones. No need to give your money away at .89%

Unfortunately, my parents both passed. Only his estranged siblings are alive. I am not the oldest, but the youngest. Does this have any bearing on who would inherit his estate?

I think he's been on government disability for the past decade as he's been unable to work but still managed to survive. Doesn't this coupled with him being 67 years old meant he had government assistance? So medical debt may not be an issue.

Honestly, I doubt he had much assets to pay someone to pursue. I just figured if I can donate whatever he has, it's at least one last thing I can do for him to get him some good karma.

I think this is going to be my best option and also the last time getting a loan for anything, I'm ready to simplify my life, I can't wait for the options I get from the military, thank you for your suggestions. I hope I never need to make a post like this again.

Say "I've been locked out of my account for 3 months and waiting for a call back has not worked, its time to bring in the next level of support please"

repeat until you get someone higher, call back same day if need be

Yep, some of the advice here isnt. My insurance even suggested using their insurance because of the coverages I had. I would only use my own insurance if it was underinsured or someone who didn't have insurance. Work with the other insurance, only if they don't help you, is when you use your insurance.

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Unless there is a prenup

It's always sad when someone is estranged from family like that. My condolences to you.

You could check the laws in the place where he last lived. Maybe you could get a court to appoint you as personal representative for his estate.

However, if it has been 2 months and his roommate knew he had no contact with family, my guess is that whatever belongings he had have probably already been given away or thrown away since the roommate probably needed to find a new roommate quickly and would have needed to clear out your brother's stuff.

I'd probably start by contacting the roommate to see whether there is any reason for you to do anything more.

if you have a specific goal/need for the money, high yield savings account, if it is money that isn't emergency fund, isn't to save for a short term purchase, then index funds will do you well.

Yes, but you know what A doesn't have: a day job they can go back to.

You're trying to have your cake and eat it, too.