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I’ve been adjusting my AA out of S&P index and into short term government bonds. I see people posting their AA in terms of Stock/bonds/cash. Is there any difference in risk between government bonds and say a checking account or MM account?

Recently I tried out the new Scan and Go app at Sam's Club. I have to admit this is really convenient. You download the app, scan your member card and debit/credit card and you're all set. Walking around the store placing items in your basket you scan the barcode of each item. When finished...

I had a major heath problem last year and was drawing short-term disability benefits from work. I ran the numbers and concluded that everything looked good, so July of this year retired. At the urging of my employers HR manager I also applied for long-term disability benefits. So last week I get...

I've lived in Texas most of my adult life but the hurricanes are getting tiresome. Harvey has convinced me that it's time to at least think about some options since retiring this past July. I mentioned that I want to move to my mom and she suggested I move back to my hometown in northern...

Well, the new chapter begins today, day one of my retirement. Starting with almost nothing in 1988, I must say I've come a long way. I've got the same feeling I had as a kid when my dad took the training wheels off my bike and I begged him to put them back on. No going back now.

I log on to my Fidelity account this morning and see that my cash balance pension plan amount is no longer expressed as a balance, only a monthly annuity payment at age 65. Years ago they stopped providing monthly updates to the pension account in terms of interest and added benefit as a...

It looks like years of planning have prepared me to take a new path. I had a heart attack just before Thanksgiving last year so I've been on paid disability leave since. Currently I'm doing cardiac rehab 3X a week and will complete around May 1. The plan then is to take my accrued vacation that...

A few days before Thanksgiving I had a heart attack. The cardiologist placed a stent and I was released the Wednesday before Thanksgiving. I'll not be going back to work for some time or maybe never. I had planned on working until this spring and then retire. This new development may move that...

I've got a trip to Panama planned for April. Has anyone been? suggestions?

I transferred a significant amount of money from my Vanguard IRA S&P 500 index to my Fidelity 401K S&P 500 index. I wasn't able to do a share transfer, I had to sell, wait for the check to arrive via snail mail and then overnight it to FIDO. Now I understand the rush of sell high buy low. Sold...

I've been on vacation for a couple of weeks now and I've been thinking about how my motivation has waned lately and I think it is because my father passed away a few months ago. Along with all the normal feelings of loss I don't have him watching my successes or failures anymore. He had...

My OMY countdown to retirement starts today. I found a app countdown timer for my Iphone and am wondering if keeping close track of the time remaining will be a positive or a negative. I know I don't want to wish my life away and I also see it as a motivator to accomplish some tasks, both fun...

I just found out last week that my employer is going to layoff 15 percent of the workforce. The layoff will be seniority based and I'm about middle of the pack so I guess I'll be safe....for now. I'll be 54 this month and my milestones will be 1/1/16 when I can take penalty free withdrawals...

I reached a milestone last week, my son turned 18 and child support ended. I actually received 1 check already with no child support taken out. I have never minded paying child support, just the consequences the state would impose on me if something unforeseen happened with my finances. It sure...

When my father made me executor of his estate I felt honored but since he passed away recently I see it as more of a headache. My sister informed me that she thinks she should have her and my BIL's travel expenses to the funeral reimbursed. She will have further to travel than me or my...

Has anyone left a job short of being 55 years old and searched for a new job based mainly on the prospect of rolling over a 401K balance. With the retirement money in the new job 401K I could then retire at 55 and avoid the 10 percent penalty for early withdrawal. It would be necessary to look...

I've been planning on doing a tIRA to Roth IRA conversion for some time and today I took the plunge, almost. I was unable to create a new account on the Vanguard website. I tried using different browsers with no success so I called for a live person to help and was told, after a long wait on...

I am divorced and I have a son who recently turned 16, and with all 16 year old boys he wants a drivers license and a car. I have an older, well maintained compact car and I bought this car 4 years ago with my son in mind. Although this car is not what my son had hoped for, its what I am...

I'm an independent sort and as I age this is a problem I've pondered : How to get medical procedures done without the need to involve friends or family. There are hotels that cater to patients near medical centers offering shuttle service to and from treatment but what to do with personal...

Hi all, I'm 47 and a single dad with an 11 year old son. I've got 600k in an IRA (was 700K but...you know) and 25k in cash for emergency funds. I'll also have 2 small pensions at retirement. So all in all I think I'm on the right track except for not having saved anything for my son to go to...