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We just sold the home we built with sprayed foam insulation in the roof.. I thought it was great. Yes, you are effectively heating/cooling your attic, but I think it probably had a negligible effect on the cost to heat/cool, given an overall energy efficient home. The only concern I had when we...

Good points. In my case I'm building up the longer-term issues in a traditional IRA that I don't have to touch until RMD's kick in (~12 years out), but for someone looking for the income stream the under-par bonds might not be so appealing.

I have several recent-issue GSE bonds with maturities from 2024-2037, and yields from 5.15 to 6.5%. That's great for now, but I assume most of these will be called at some point. Wondering if it makes more to buy a degree of call protection with discounted issues on the secondary market instead...

Thanks for your take on this. My thought on the "forward progress" is that you'd see this in the form of changing (increasing) market value of the bonds as they approach maturity. I.e., the discount will become smaller over time, all else being equal, eventually reaching par value at maturity...

Does it make sense that buying lower coupon bonds at a now discounted price affords some call protection? Or, if called, you effectively accelerate realizing the yield you would have otherwise gotten over the remaining term. I understand some may buy for the coupon payment and the lower coupon...

I agree you shouldn't count on those big rates at the end if callable, but if you're buying based on yield-to-worst then a stepped coupon shouldn't make much of a difference when comparing it with one that has a fixed issue. I've seen some that I wouldn't touch, and others that look appealing...

I think that delta has mostly to do with call risk, though I don't understand why the quality corp issues are so relatively low compared to treasuries and CD's.

Sounds like you're locked in. If the order showed it was open with a GTC status you would be able to cancel and go for the new issue.

It's been 8 months for me now. The feeling today knowing I don't have to return to work tomorrow after what would have otherwise been a holiday break is pretty darn awesome! Congratulations to the class of 2018, and happy new year to all.

Joeea summarized this well. I'll just add that both my wife and I have been using Chromebooks for the past couple years for personal use, exclusively. Great devices for simple needs, quick start-up, stable, no need for separate virus scanning or other security software. But, not for everyone...

Both 55 and retired this year. So far, so good!

Don't know the details of your circumstances but at this point I would mostly just go into glide mode, and make sure you're clear on handling of any pension, deferred compensation, or LTI and bonus plans with megacorp, and that you have contacts to reach for with questions or issues in the HR...

Congratulations on your retirement! I'm just 2 months in after a fast-paced 35 years in IT. I left a very senior role and shut down cold-turkey. I can see it will be an extended adjustment period, as right now I just feel like I'm on an extended vacation. There must be many issues back at...

You can get 3% in a 3-year brokered CD issue from several institutions. Ally, AMEX, Discover, Citibank, Wells Fargo, and others.

Sounds familiar, and I bet there are a lot of similar stories here. I think it's the nature of the type of people who wind up in a position to be able to do this FIRE thing! As a kid I worked a couple of paper routes (at ~12), as a beverage store "bottle boy" (14), sold shoes, painted houses...

Five days to go Hi all, I've mostly lurked here for the last few years but have this forum among things to thank for helping develop the confidence and courage to make a move. I'm pulling the plug on May 4, age 55, walking away from VP role at megacorp and some serious comp. It's been an...