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I'm trying to purge items, and in the past had great success selling on Ebay and Facebook Market Place. I think they have changed their algorithms so if you don't pay to upgrade your listings, your items don't get any views. I get Facebook pushing upcharges as it's free, but Ebay charges...

Need some information on these please. Our Fidelity representative said this is just like CD that will pay 2.2% fixed for three years and then we would get all money back and could invest where we want after 3 yrs. This is money that was in bond funds, but we wanted to get out of bond fund...

What a long strange countdown it's been. 15 more Kirkland body soap bars, 53 more 2 1/2# bags of coffee beans, and all this as we just went into triple digit days to go last month. Anybody else have some strange count downs?? Most of mine are from the early morning routine. Once at w*rk, I...

"The RV industry is better at calling recessions than economist are" Interesting article

Another thread reminded me that we need to update our basic advice we give to our DPT interns. Most don't have a clue, and are deep in student loan debt. Starting salaries 60Kish. Input appreciated before we update. Start investing early and often! Both retire at 65 years old Age 25: $300...

Looking for recommendations, and is anybody using them? Seems none have great reviews, but understand when happy just go along and don't rate, but unhappy want to tell the world. Computer consensus here seems to be Mint, Quicken, or spreadsheet. I only get on our computer about once a week so...

We need to set up a trust to pass assets on in a controlled manner. I have a minor that is high functioning autistic and my 21yo has mild medical issues, and is not yet trust worthy with large sums of money. He might be ready in 5-10 yrs, but need something in the meantime. If god forbid...

If you were to take 4% of assets each year, and not 4% first year and then adjust for inflation in future years, does that help or hurt chances of not running out of money eventually? Are there studies on this? It seems like it would help longevity of retirement dollars as you take out less...

I know budgeting apps in the past have had some problems, but we are 5 yrs out and need to get a hold on spending. What apps are the best and why? Mint, USAA, every dollar, etc. Married couple with 2 kids. In the past we did the pay yourself first saving over 25% of gross income, then...

We bought plane tickets into Frankfurt Germany, and want to rent a car and then travel through Switzerland down to Italy. Want to hit some sites in Germany, Austria, Italy, Switzerland, and Luxembourg. Would appreciate any advice and knowledge on renting a car at the Frankfurt Airport. Such as...

Driving to Mecum auction yesterday and listening to Jill on money podcast from father's day. Her guest said that if you retired in 2000 with a million dollars and took 6% withdrawals you would now be out of money! We all know not to take 6%, but what if you had to? He did say that 3 years...

My wife's new years resolution is to track our spending and set up a budget. In the past we pay ourselves first, put a lot into various savings and investing, and spend the rest. What is the best Android budgeting / tracking spending app that we can both have on our smartphones, and it will sync...

I know there are several different categories of bonds, however this question is just generally speaking. I understand that if you have a bond today, and interest rates go up, your bond is worth less because the new bonds are paying a higher rate. What I don't understand, is how much less my...

Whenever my mutual funds issue a capital gain or dividends, the NAV of the fund always decreases by the same amount as the dividend or capital gains. What is the advantage to getting a dividend or capital gain? Why do people have funds that throw off dividends, as it would seem that the taxes...

I have a 17yo that will be going to college next year. Colorado 529 is with Vanguard and currently about 75% Aggressive Growth and 25% Conservative Growth. Probably too late, but need to start shifting to more conservative funds.* 529 fund money should cover about 75% room, board,* and...

Just wanted to give a quick introduction, and will ask for some advice on other community forums. We are already mostly FI, but both love our jobs, and will keep going until around 59.5 to get kids through college and up our travel budget in retirement.** I am a physical therapist working ortho...