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My Dr gave me some news and it changed my outlook. I FIRED at 50. Now at 59. No regrets. Healthy as a rented mule til a month or so ago. Net worth about 9M. most all self made, except $2M inherited...recently and very painfully/ I did inherit some land from the family that the...

DW is 63. She will start medicare at 65. She won't start SS til 67 so I'm assuming we'll get billed for the monthly premium. We plan on taking out a supplement with prescription drug coverage, a good one. We're not taking any chances now that we've made it this far. This is a very broad...

How do you win? Since I started investing at age 22 in 1987 I have been preached to include bonds as a part of my portfolio. Now at age 59 I am supposed to have about 40% of my money in bonds. The 10 year rate of return for bonds is 1.61. SP 500 is 12.58. So 40% of my portfolio is a...

I did. Looking back it was a great time in the 60's and 70's, kind of like a year around camping trip. Then the 1980's hit and we went from almost poor to almost broke, We loved our neighbors and never missed church. Now, the ones of us who survived are financially sound, and we can't...

Since I started investing in mutual funds I have always chosen to reinvest dividends and capital gains. I plan on drawing dividends from one of my funds, Vanguard Balanced VBIAX when I turn 62 in 4 years to supplement living expenses. My question for those of you who draw dividends, do you...

In early October the Middle East was shook loose. I told DW that "the DJ and S&P be down 20% this week and gasoline would be $5 bucks a gallon in the next two weeks" I didn't do a thing and watched myself be wrong. Saved me a lot of money.

I started investing with a FA about 25 years ago. He started us with a Roth IRA with a leading Mutual Fund Company using about 5 different funds. They took out large front end load on each contribution, about 5%. About 7 years ago when I ER'd I stopped contributing new money to the Roth...

This topic has probably been addressed at length, I would like to share my personal experience with Long Term Care Insurance. Both of my parents had long term care policies that they took out about 30 years ago. Both offered $60 a day of coverage with a $100,000 maximum. Each had a 90 day...

Well, I've seen two doctors, had 14 lab tests done, 2 MRI's and have an appt. with a neurologist. I'm coming to the internet for the real answer to my problem. Starting in June I hurt everywhere and ignored it for a couple months while taking care of my ailing mother. After she passed a...

Happened again. A new neighbor calls up all friendly to invite us to a BBQ tomorrow and says "at 2:00 we're having a program for our new business" Amway dealers. I figured this scam out 35 years ago without losing money. How do you respond ? I wanted to tell him. RUN. How do you...

OK, I've been investing over 35 years both with an advisor and on my own I've been told to keep a percentage of my equities in International funds, around 25%. I have. Looking back these funds haven't kept even close to US funds, let alone the SP 500. 10 year average is 5.05% for...

I searched the archives at length and couldn't find an answer to yet another social security question. Here's our situation. DW is 4 years older and will be claiming 50% spousal benefits off of my earning record. We're thinking of applying for social security when she reaches her FRA at age...

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The reason I ask is that farms are an extremely personal piece of property, let alone an investment property. Most of us that own farmland have bought it and suffered a long time to make it feasible. There are a lot of family dynamics involved over many generations that can't be explained...

OK, I have a situation that I shouldn't whine about, but it troubles me. DW and I have 2 kids. We gave each of them $80K to get trough college. DS is the oldest, he went to tech school and is a very accomplished diesel mechanic. He didn't need all of his 80K and we gave him the rest to...

DW and I recently moved to a farm in flyover land, for 6 years prior we had lived in the north woods near Canada. We have been without a dog for 6 years and wanted to get another, but didn't dare due to the number of wolves & bears at our home. Encounters were common and the biggest...

I posted a thread a couple weeks ago about walking off a job. I like working, and feel bad to have started a negative thread. I'd like to ask everyone.... what was the toughest job you ever had that you really liked, money is no factor. For me, it would be growing up on my dad's 3rd...

I just read walked off like a boss on this topic and didn't want to hi-jack it. I would love to hear the stories from the members here about walking off a job. Being fired or "resigning". We've all been there. There are jobs I should have quit but didn't. Anyway. I'll start. When I...

I just spent 3 nights in a nice hotel. I don't get around much. When I go somewhere I usually pack a tent. Anyways, I booked a nice hotel for DW and I and when I got to the check in there was a 10% "Resort Fee" added on top of the room rate. At first I thought it was sales and local taxes...

If this question has been addressed earlier I apologize, I don't frequent the technology forum on this site. I am moving to the country and am too frugal to pay for dish or other pay per view options beyond netflix. It would be nice to get one of the major networks for news. I will be within...

I am 56. Like most here I've lived below my means, even when my means were lean. I have gotten by well by having a low cost of living which means I buy used, or not so high on the shelf items. I am reaching a point in life where I realize "If I buy one more good one it will last me til...

I apologize if this question has been posted and answered before. I hesitated to even ask another SS question but here goes. DW is 4 years older than me and will be claiming spousal benefits based on my earnings. The way I understand is she can claim 50% of my Full Retirement Benefits...

DW and I live in Northern MN and are completely FIRED. We like winter in MN and are active, but come March we could use a change. We're 56 & 60. We're thinking of spending a month or so in March & April in 2022 in a warmer climate. We would fly to a city and get a room at an extended...

I buy health insurance through our state exchange, MNsure here in Minnesota. I renewed my Bronze plan during the open enrollment period in late 2020. I have a bare bones Bronze Plan with an extremely high deductible and out of pocket. About $8,000 / $17,000 respectively. Our income...

I have an old annuity that I will be vested in when I turn 58. I'd like to turn on the guaranteed benefit as soon as possible, 4% of guaranteed life income amount. I don't want to wait til I'm 59 1/2 and lose 2 years of zero net performance. Could I start rolling the 4% benefit directly...