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  1. M

    What If Fed Rate Hikes Are Actually Sparking US Economic Boom?

    "Basically higher rates are helping not hurting the economy due to giving people more interest income..." If our economy is going to survive on our 'reaping higher interest rates' on what we have, and 'injecting it', most people are in for a lotta hurt. Economics 101. ("lotta" is a technical...
  2. M

    After I'm Gone

    I've been noticing lately that plenty of money can also cause a lot of heartache, too. What to do, what to do....
  3. M

    Need to limit my account viewing.

    I think in this last year, we all like to look at BIG numbers, numbers most have not seen before, and we rub our eyes thinking it's a dream. Are they still there?!? One must remind themself, it's just on paper.
  4. M

    Reducing stock exposure in Retirement, age 60+

    In late 60's here, and I believe your thoughts and concerns on equities in the market today are valid. You've seen what can happen. Get your peace of mind, and lower your percentage accordingly. You gotta be able to sleep at night, as others have said. Broad experience in equities tells you when...
  5. M

    Moved into CCRC today

    Glad to hear all went well with surgery, however the rehab team is not helping your cause with the ice cream deliveries. Don't they realize the consequences of their actions, once one is returned to 'normal' life?!? :-) Best of luck to good recovery.
  6. M

    Suze Orman - You need 20M to retire early

    Suze is WAY passed her 'good until' date when it comes to financial advice.
  7. M

    Dumpster Diving/ Stocks

    I remember the 'irrational exuberance' of the dot com boom in late '90s. History repeating again with overvalued 'techs', index and ETF funds 'overfunding', and anything else breathing AI. No thanks. "Give me oil, or give me death." Since many are talking their portfolio stars, I go "EPD" and...
  8. M

    I've sold all my Boeing shares

    Boeing is heavily entrenched in defense contracts of US and international governments. Domestic airline industry is just a minor piece of their pie. They will be around a long time, despite the QC issues. Can you spell military 'drones'?
  9. M

    anyone pick up golf after avoiding it for years?

    I played golf for 30 years starting in college...then my wife divorced me after 25 years, and took my clubs as part of the settlement. (Pure revenge, I'd say.) Now, 12 years later, my girlfriend of 7 years, who also plays golf, wants to get married. I'm not so sure I can go through that pain...
  10. M

    What to do with those 0% Fixed-rate I-Bonds?

    I got into the hype and wisdom of I bonds in '21-'23 to park money I didn't need. Gifts to grandchildren, too. My thought is that if I still don't need the money, why redeem, and incur the tax and miss on interest before the 5 years are up, especially if you're doing Roth conversions? Don't need...
  11. M

    Poll: Drinking Preferences (Alcohol)

    I call for revote considering AGE category. Love me some Scotch at age 66; my dad soon to be 97, and still takes a nip every now and then. They did something right over in Scotland, I say.
  12. M

    Thirty-Six Years Today Stock Market Crash

    Remember it, and believe we could see another any day. That is what unnerves us in the equity markets. We know what lead up to 2008, but what was it in 1987? It was: "Heightened hostilities in the Persian Gulf, a fear of higher interest rates, a five-year bull market without a significant...
  13. M

    Early Warning on the Economy?

    I will not support over-spending in a bar or restaurant because 'they' feel a need to justify higher prices 'just because...' of 'this economy'. Call me frugal, call me cheap. It's the principle. My DW would rather sip a scotch or a good bottle of wine with me on our own patio, listening to...
  14. M

    Generating income off $500k portfolio for non-retiree.

    Yes, you got it. And if Tesla craters, you have TSLQ to balance you if you're long. And if you want 'covered call strategy' in the 20 year Treasury, you have TLTW for income, All kinds of fun. Peace.
  15. M

    anybody else super conservative?

    +1 ...and what were the possible underlying events causing this?!? The 'dot-com bust' and '9/11', perhaps....are you ready for any more of those events? Conservative 'investing' is in my portfolio. I don't want to deal with either of those again, and in IMO, another is coming. Peace.
  16. M

    anybody else super conservative?

    You sound like me 8 years ago, and I totally get your feelings. Back then, I said, '...nah, it can't be true.... 60% equities is the way to go...." Oh, and the "don't time the market theory"... is also pounding you in the head. Melatonin helps me sleep, by the way. I totally hate equities, and...
  17. M

    Sleep pattern and sleeping pills

    Good sleep is a beautiful gift. I'm sorry you have issues getting that. I have and will continue to refuse pharmaceutical 'experiments' issued by doctors and their PA's as long as possible. You know what they're doing, right? I've had VERY good results with melatonin at 5mg. Basically for free...
  18. M

    Forced to check carry on, no more room in overhead

    W#@rked as a software architect on a flight operations endeavor for a few years, and it's all about 'weights and balances'. It's not just about 'overhead bins'. It's about seat capacity filled, fuel weight, 'cargo' weight (that you don't know about) already loaded. Flight plan and weather are...
  19. M

    Talking to 'regular folks'

    This, +1. You've got to just NOT CARE what others think on this issue. Don't let others' envious nature get into your soul and mindset. It's poison. Peace.
  20. M

    Poll: Individual SS Payment for ER.ORG Members - Please Read First Post for Details

    I started receiving my first benefit payment of 3500 this past June, at 66 and 5 months. As a single, I decided it was time. Didn't need the 'salary increase', but nice to see what I w*%ked so hard for. Peace.
  21. M

    Online Will and Trust Software

    You say you're just 'updating your will'. Why not just do that, take it to a notary and sign, along with an affidavit from witnesses? No offense to lawyers here, but what's the big deal leaving them out of the equation, if it's a simple will? It would be perfectly legal in Texas, but yes, I...
  22. M

    I've had it...

    I feel your pain. You need to de-Stress with your w#*k situation. Easier said than done, I know. You'll forego the 30 years if you go now, but is the difference of 3.5 years worth your sanity? I'd say try to eliminate the stress if you can for next year or so, hang in a couple more, pay the dang...
  23. M

    Wait for bond funds to recover or sell at a loss and buy CDs

    Yes, as I learned. Unfortunately, got into BND and FXNAX after retirement. But even getting into MUNI fund MUB to cut taxes in brokerage, has been nothing but pain. The mantra from here on in from 'the wise' should be AVOID BOND FUNDS.
  24. M

    Wait for bond funds to recover or sell at a loss and buy CDs

    So I got into 'bonds' thinking I had to balance appropriately at my retirement in 2019. So here I am sitting on a major loss in brokerage, IRA, and Roth account 'bond funds', because I followed the advice that said I should be 25 to 35 percent in bonds at my age. Well here I am holding the...
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