Recent content by padlin00

What's the benefit as opposed to waiting till FRA to file, or file and suspend at FRA and wait till 70?

Not sure if you call it a buying service, through work I used the X plan from Ford to buy my truck. Went to ford.com, entered the truck I wanted, it spit out a build sheet and a price .4% over dealer invoice. Took it to the local dealer who honored it and tacked on $100 for paperwork. Took any...

Not much to do today so I went trout fishing in a nearby river. First step in the river I fell on my @%% in about a foot of h20, wet and banged up. Hobbled home and hit the tub. Learned it's very cold when you're soaked and it's a windy 40 degrees, not to mention embarrassing.

We have maybe 20-25 homes in the hood, average about an acre each, nothing else nearby. When we moved in 30 years ago we had a lot of kids but they all grew up and left. After dwindling to almost nothing, the older folks are moving out and younger families moving in. The last few years were at...

Auto Body Air Force, computers Computers/Electronics Tech Supervisor, Technical Support

We have 2 kids and 5 grandkids, son and 2 boys (5&7) live about 10 minutes away. Daughter with 2 girls and 1 boy, all 3 and under, live about 35 minutes away. Already the boys are busy 24/7 so we see them maybe once every couple weeks, if we invite them for dinner. I RE'd a couple months ago...

Everyone's circumstances are different. FWIW with QLP I used 62, 66 and 70 for myself and my wife (same age) and come out much better at 66 then 62 and better at 70 then 66 but not by the margin of the 66 over 62 difference. In my case my wife makes less then 30% of what I did so she'll take 50%...

Have you ever taken a Risk Evaluation to see how much risk you can handle? Here's the one from the Vanguard site. https://personal.vanguard.com/us/FundsInvQuestionnaire Try it out and see what it says you should do. I've heard young folks should have a high percentage in equities as the...

Changed my 1700 sq' ranch from electric (2x6 construction) to oil in 93. Including indirect hot water for the year I consistently use 650 gallons a year in western Ma. We do keep the house pretty cool compared to most at 68 before and after work and 62 at other times. Furnace checked at 83%...

Your original question is if you should look into changing the 1/3 profits you give to the FA. Yes, you should. Biggest savings is getting rid of the FA and do it yourself, saving about 1% of your total account balance, around $4000. There are also fee only (hourly fee) advisers out there...

Seeing as how you refuse to tell us what funds you are invested in and continue to think your FA is doing a swell job, I wish you the best of luck. May your FA enjoy the new car that you are helping him pay for. You paid $932 in fees for 1 quarter on an investment of $230k, or $3728 for the...

You asked if the returns lag the market. Based on observing our GIC fund for the last 30+ years, yes they lag, they follow interest rates but very slowly, in both directions. Ours are insured bundles or mortgages so the slow lag makes sense.

Once, 10 weeks ago, took a voluntary layoff as the severance was enough to allow me to ER. After 100 years (30+ for me) the company was bought out, changed from a quality emphasis to a money emphasis. From an employees perspective the continual layoffs to cut corners changed it from from...

As a total, it's not 3%, it's 1%. You should provide more info on the investments, can't tell what your returns are based on the type of investment.

Think that would dissolve my marriage too.