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Interesting thread. (underlining / highlighting is mine) After reading the link from REWahoo, I wonder if you actually should... ? In other words, the plaintiff may consider insurance coverage as something you would easily give up (and you just might), and offer to settle up to that amount...

+1 Folks in this forum have more time than those working to do this sort of thing. P.S. And... you don't have to contact just reps in YOUR district. You could contact any and every rep in the country.

When you pay 26%, your actual AMT true marginal rate is 26*1.25 or 32.5% because of how exemption is calculated. I.e. for each extra $1, exemption is reduced in addition to the tax of 26%. You could try adding $100 to your income if you want to see that effect. Have not checked for a couple...

Inspired by a thread on sweet spot for which car to buy, this one is for when you decide to get rid of one? I suppose one approach is when yearly repair expenses reach a certain point... ? But when something major breaks, I imagine you have to have an expensive fix anyway before upgrade in...

Thanks again, folks. Interesting finds. CMFG life does not give as good of a price but looks like it's better in terms of covering deflation. The link above did not get me to WI form. Could you let me know how you found it?

Thank you for the replies, folks. I am interested in CPI-U adjusted SPIA and want to make sure there are no caps on CPI-U increases or what happens if the index goes away. I plan to buy directly from a company or via Vanguard / Fidelity, and when I had asked Vanguard, they said I would only...

Hi folks, have you ever had a professional review an SPIA contract? I was told I'd have 7 days after SPIA purchase to review the contract and back out and I wonder if I need to line up someone for that period of time. Apparently I can't get a sample contract prior to purchase.

I see. So, basically, it goes something like: X: I don't want to go on that expensive trip costing us $Y on its own - we don't have the money for it since we are already on track to spend $2Y this year. I don't think we really need it... P: I make $5Y/year, I'll be happy to pay for it for both...

Regarding the question of whether FUEGO can be called "retired", question for those that say "no"... What about this situation: a single person X stops working completely and lives off of their investments on $Y/year; i.e. the less controversial definition of "retirement". Then, they meet a...

I normally count Roth @100%, 401k @75%, taxable @90%, stock options @50% (and at a relatively low price, not current one usually). I use these factors for both AA and NW calculations.

I have not done this but one advantage to not doing that is that you can do manual transfer once per year as I recall and trustee-to-trustee transfer any number of times, so if you have say 3 CDs you want to transfer, you could use the former only once (unless you wait for all of them to mature...

obgyn65, do you mind sharing what deferred annuities you are buying. I've been staying away due to general perception of too-high-fees, but taxes hurt a lot :-( Sorry if this was discussed in another thread.

newbie question: what defines the "floor" / "success" in these methods? I.e. how do you know if it's likely (and how likely?) to produce "too low" of an outcome? In other words, since we know that withdrawing 99% of remaining portfolio every year will never run out of money (except quickly...

For some reason, I assumed average retirement age in US was around 65... According to this article Average US Retirement Age Is 61 And Rising , it used to be 57 in the 90s and now is climbing to 61...

+1 I also find that whenever I can compute same thing in two ways, I do so, and put in "Check" fields that have to be either green 0 or red non-zero. (I use conditional formatting for the fonts of these Check fields and then just copy paste this formatting to all other "check" fields. I found a...

Most accounts have POD designations / beneficiaries; so heirs will not be hurting "waiting" for the rest. Just created a simple will based on a file found online for the rest; notarized a local branch. Also, I do not expect the heirs to fight over remains given the simple / clear instructions...

Came across this article about how Intuit has been fighting free tax preparations... not surprising I suppose.

It makes sense (modulo reversal) if you like / believe in these funds and/or their managers. I avoid any actively managed ones.

I would not invest in any actively managed fund, even the ones that happened to perform well, including the "popular" ones like the ones you mention here. Not sure what kind of risks Wellington/Wesley are taking vs their benchmarks, but in any case, past performance does not guarantee future...

If you want to try doing it yourself with minimal overhead, here is something simpler than even the 3-fund portfolio: (1) If most of your money is in taxable, or if most of your money is in tax deferred account, use on of four Vanguard Life-Strategy funds (if you want a particular bond/stock...

Hi FUEGO, I am in similar situation of thinking of retiring quite young with small budget, and so I have thought about similar things for a while as well. Your numbers look very familiar to me. I think problem with our low budges is that they are quite risky even though they do represent past...

Hmmm... something weird going on in this thread for me - I cannot get to page 2 in any way, except to start posting a reply in which case I see all other replies. No matter which link I follow, I end up on first page. Other multi-page threads work just fine... must be some hacking going on...

I can lose the piece of paper in other ways too. Sometimes I take one of them on a trip for example (for emergency less-secure access, after which i would change the password), and could potentially lose it there. Even if someone broke in and got both, the piece of paper and my financial...

I am sure this is much better indeed... Still, virus / malware could intercept data in memory potentially, i.e. after your spreadsheet is opened / password is entered; or perhaps they could be excel specific to get to excel data...

I personally would be paranoid about a hacker downloading that spreadsheet and if they knew / guessed / found out its meaning, they could potentially use it to crack rest of password, since they'd know the complex part already... (I believe you can seed password cracking programs with a starting...