Search results

My daughter put her degree to work last Fall as a caseworker for a public mental health agency in Texas. She is now eligible to start contributing to a 401a and 457 plan. The custodian appears to be ISC Group from Dallas. DD has no acumen or interest in learning about investing but she did...

I have been thinning out oak and elm trees in my adjacent acre to open up the dense canopy and allow forage and cover to grow underneath. Mother nature, through very wet soil and gusty winds, gave me an unexpected helping hand about an hour ago. This is a double trunked red oak that I paced...

Hello, My name is Ed B and I am a portfolio tinkerer. Does anyone else fight (and often lose) the urge to change investments based on your latest bright idea, the smart-sounding thing you read here or elsewhere, etc. in a quest to squeeze a little extra return, mitigate risk of impending...

Do Wellington and Wellesley rebalance once a year at end of year, quarterly or even occasionally after significant market events? I assume once a year in Dec when they distribute capital gains but I don't really know.

This question bubbled up while reading some of the most recent posts on the class of 2018 thread. I think I understand the popularity of finding the AA that fits your risk tolerance and sticking with it, especially when most of ones ER revenue comes from ones portfolio. I say "I think I...

I have been a subscriber of the WWE network for a couple of years.... for the grand kids of course. :) But seriously, I am lucky to be a big part of my grand kid's lives, ages 6, 11, 11, 13. I have taken them to some live events here in the DFW area and we get together to watch the big events...

An update on this situation: http://www.early-retirement.org/forums/f28/need-advice-on-managing-my-mothers-money-86223.html My mother responded very well to the feeding tube and over time was weaned off of it and began regaining strength. She has regained some of the function in her left...

I need one more peer review. I can start the paperwork for a June 1 exit any day. I have attached two screenshots that together show my monthly budget worksheet. I put this together from several examples I have seen in this community. I break out the items under general categories with some...

First, yes, this is a sequence of returns risk and maybe a market timing question as well. But second, while I may not start taking SS at 62, with retiring at 58 next year I will need to suppliment my retirement income from 401k funds until I start SS with 62 being the first milestone. My...

My Megacorp rolled out three new HDHPs that are HSA eligible for 2018 enrollment. Starting in 2018 retiree healthcare plans will be the same plans in a different risk pool consisting of pre-65 retirees, and of course, a much higher premium. They held info sessions and published charts showing...

My plan, including debt-burndown and ER revenue choices, have been built around at least a 50% survivor benefit for DW after I move on to the next plain. A level income option is available with no survivor benefit, and while I have looked at it for familiarity, I decided to push out ER until...

One of my projects after FIRE will be to have a go at learning to play the piano. My wife took lessons as a child thru her mid teens and can play mostly Church hymns. When we married 36 years ago, the piano came with her, so i have a nice one to practice on. I have some modest musical...

I know about the seasonal migrations of Northerners (Snow birds) to the South in Winter. Are there any Southerners on this site that have homes in the North for Summer? My wife has family - cousins - that live in Northwest Wisconsin. We have family reunions up there every couple of years...

So I am 24 months out from RE if markets are kind to me. I will be 59 and DW will be 58. About 74% of retirement revenue before my SS is from non-COLA pension. I am currently saving 22% of income in 401K counting company match. I will have access to company retiree health and I will need to...

I have mentioned my mother's situation on one or two other threads. In a nutshell she had an aggressive back surgery in March 2016 that was badly botched. She lost the use of her left leg, suffered staph infections, and went into decline resulting in a feeding tube for a few months to keep her...

The current poll and discussion about percentage of retirement income compared to w*rking income has been helpful even with the debate of what to count as income in retirement. As i plan for my ER i am a little intimidated at the large reduction on paper from my working gross income to my...

My company offers two health insurance options for pre-Medicare retirees. One is basically like active employee coverage with little to no employer contribution. It is ~$1800 per month for a employee+family, $1000 deductible and 80/20 split with $2000 individual Out Of Pocket (OOP) max. The...

I sent this missive to a co-worker that I discuss ER and investment stuff with. It sums up what has changed about my thinking since joining this site. Tell me if I have misinterpreted the general FIRE community orthodoxy. :) Thanks for your inputs.

Hello all, I followed a link to this site from another retirement financial discussion board. I browsed a bit and quickly recognized that this community has a wealth of knowledge with experience and wisdom to share. I am 56 and will be 57 in May. I am planning on earlier retirement in 2019 or...