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US Chapters • Roll Call for the Retirement Class of 2024!
Finally engineered my own severance and will at least take some time off until end of the year. If I can convince DW that all things are good, this little break maybe permanent! P.S. In mid-40s and...
View ArticlePersonal Finance (Not Investing) • If you hit $3M by your 40s, what did you...
Do what you want.If your expenses are 3% or less of your portfolio, you can retire.If you want to continue working, you can decrease your savings rate and start spending more of your income.It's that...
View ArticlePersonal Investments • What to do, my bank account is reaching 250k fdic...
OP here. Thank you everyone for your input!Statistics: Posted by bigfig — Tue Sep 17, 2024 12:01 am — Replies 19 — Views 2223
View ArticlePersonal Consumer Issues • New Refrigerator recommendations
I buy 2 oi the 24" Samsung "freezer"s that have temperature control and set one for fridge and one for freezer side by side. Looks like a fancy 48" wide fridge. Love the set up, costs +-$725 each. You...
View ArticlePersonal Finance (Not Investing) • Here are Medicare Part D WellCare Value...
There has been a lot of concern regarding Medicare Part D prescription premiums in 2025, particularly due to the implementation of the $2,000 maximum out-of-pocket.All states will have a $0.00 monthly...
View ArticlePersonal Consumer Issues • Where to live-quality of life
Top five on this list https://realestate.usnews.com/places/ra ... -to-retire are in Pennsylvania, Winston Salem is 17th, Raleigh-Durham 25th. Also Greensboro, Asheville, CharlotteWow talk about east...
View ArticlePersonal Consumer Issues • Buying blinds for dealer with personalized in-home...
Go to a reputable local dealer and buy a quality product and have them installed. Amazes me that people pay a lot of money for a house and then cheap out on things like window coverings as if their...
View ArticlePersonal Finance (Not Investing) • Where to find free tax help?
Try calling the local IRS office for an appointment. Or if in Kings County, try the United Way. https://www.uwkc.org/need-help/tax-help/Statistics: Posted by ladycat — Tue Sep 17, 2024 12:42 am —...
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Personal Investments • Traditional vs ROTH (IRA + 403b)
As someone who is going to start her career soon and new to all of this, how do I decide on whether to use traditional vs ROTH IRA + 403b?I recently got hired as a nurse in SoCal, but the pay is...
View ArticleInvesting - Theory, News & General • WisdomTree GDE: 90% Large Cap + 90%...
Are the leveraged gold futures held by this fund a safer way to get exposure to the price of paper/electronic gold? By safer, I mean avoiding certain black swan scenarios that make GLD and similar...
View ArticlePersonal Finance (Not Investing) • rental property - poor investment?
Your original investment was $60k not $300k. To know your total return, you have to add up all your NOI since you purchased the property (don't forget the debt service), then add that to the $300k in...
View ArticlePersonal Finance (Not Investing) • US Bank 4% Smartly Visa Credit Card
US Bank is sensitive to manufactured spending, y'all.Do we know how they might react to estimated tax payments on their cards?I never had issues, but I legitimately had to pay estimated taxes. I paid...
View ArticlePersonal Finance (Not Investing) • [Any regrets paying off your mortgage early?]
pay it off. There's no feeling that compares to a paid off roof over your head, no matter what the "financials" tell you.Instead of a single approach for everyone, I think each person should do what...
View ArticlePersonal Investments • Retirement income
This is why Fidelity will have a loss leader with Zero funds. Annuities are big money makers. With a $3 million portfolio, you only need a 2% withdraw rate for $60k per year. At your ages, I would do...
View ArticlePersonal Investments • Can I FIRE now?
No work till 55 and think again…What will you do the next two decade without workI can't tell if this is sarcasm or not.No sarcasm, 35 is too early to retire.. can be financially independent, but not...
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Investing - Theory, News & General • Selling long treasury bonds before...
People in the very long Taxation of Treasuries thread have stated that treasury Accrued Market Discount is not taxable in CA, but that capital gain is. The 1099B will tell you how much AMD you have....
View ArticleInvesting - Theory, News & General • Bernstein article - Why Should You...
As a recent retiree, I spent a lot of time of mapping out annual projected income streams (pension, social security, etc.). I then estimated annual remaining residual living expenses required to be...
View ArticlePersonal Finance (Not Investing) • Checking account cushion: keep higher...
For our joint checking, the issue I have is my wife highly dislikes not having local "brick-and-mortar service".Everyone needs a local bank account too. There are things you can't do quickly at an...
View ArticlePersonal Investments • Vetting alternative investment fund - advice?
Investing in alternative investment if you are not the expert or promoter hard to evaluate and gain performance and may lose the capital as well… so please stay away…Statistics: Posted by LiveSimple —...
View ArticlePersonal Consumer Issues • Should I add a 240v outlet for future kitchen...
We did a to-the-studs renovation on a house before we moved in. The house was originally piped for a gas stove and that's what we installed. However since all the electric was being redone we had a...
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