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Same as me. I follow CD rates and weather. Don’t follow politics until about 2 weeks before election. For me following most politics is like studying a menu a year before going to a restaurant. And news about the field that I make my living in

That is really a good price, I have 3M with CinFin and it’s about $750

I have been conservative also. Now what to do with it?? Always been a saver, hard to change. Can only have so much stuff and traveling all the time isn’t for me

I never count the house, real cash sitting in safe, silver, HSA account, or money in my fun account.

I do that almost every year . For part of my taxes. Started a savings account this year for 24 taxes

In Costa Rica right now looking at homes in Playas Del Coco area right now. There is a place Pacifico we looked at yesterday. Crazy nice houses, $800k to about 3M. Wife and I are going to talk about it when we get back. Looks great here but I could see costs and crime going up in near future

MYGA. . I like them. Helps control my tax burden . When they mature you can roll over to another one if you want

It’s not, my father and grandfather were both pharmacist. Service is out the window

Has anyone checked if you have a vent issue. That will cause problems in multiple areas

It all depends. Amica would not give me an umbrella policy because I have jet skis. Cincinnati did, but limits are high. My motorcycles are insured with someone else but the limits are high there also. I had to send Cincinnati a copy of my motorcycle policy.

Second that. Also a one piece has less places to leak. Replace shut off valve if it looks beat up or has deposits on it. Plastic the floor if removing toilet, or but old toilet in contractor bag before going thru your house with it

About 75% in CD’s. 10% in individual Muni Bonds. 10% in MYGA’s . Rest in a couple of mutual funds and individual stock. 90% of total in non retirement accounts. Could I have a better AA? Probably so, was just too busy to pay much attention. Slow and steady.

Have to agree with that. Have a friend who was a pitching coach in the 90’s for a MLB team, it’s always a topic of discussion

Just hit 11M in investable assets. Very little in market. I guess that may mean I have almost 11M in savings. Been a long ride and am getting tired of trying to get ahead. There are worst hobbies. Thanks for all of the advice along the way. Happy Holidays

5.25. For ten years. Looking longer term, and a decent fixed income rate. Plus able to draw some out per year if needed. They also have 7 yr for 5.55. 100k invested

Hello, looking at buying a 10Yr MYGA thru Reliance Standard. They look to be rated A++. Does anybody have experience with this company , thanks

I have been approached lately for same type of investment, but for 250k. No go for me. Invest in a food truck

Totally agree.. I calculate at a 2 percent WR

I agree, go out as long as you can. Rates may go up a little, but could go down a lot. I also have CD and MYGA ladder going out 10 years. Not the most exciting was to invest, but keeps the stress level down

Car Guy. Thanks for the info!

Fidelity Just on Fidelity site . looks like not many CD's for sale. What happened? Fire Sale?

That's pretty much what I am doing. Adding a couple of MYGA's along the way to help defer taxes. Nice to see my average get to 4.5. Old CD's maturing in 2023 and renewed at a higher rate added almost 10k to my yearly fixed income amount.

Hello, anyone try to access TreasuryDirect and have issues this AM? It was down this weekend for maintenance Thanks

The sleep of a laborer is sweet, whether they eat little or much, but as for the rich, their abundance permits them no sleep.

You sound like me. I’m 58 and I run WD plans thru 90 or longer. It keeps me up at night. But dad died at 86. And wasn’t great the last 5 years. What the heck am I thinking anyways!