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I've estimated my 2023 income (pretty easy when it's pension, inyerest, dividend on 2 ETFs) and put the #s into AARPs program. 3 times. Exact same numbers. Answer varies from 2208 refund, 0 refund, owe 800+. No issue with owing less than 1k as that's what I aim for. But why 3 answers? Bottom...

Whitewater Advisory Trip was booked and paid 50%. Then kids under 12 cannot go. My preferred company has an advisory against those under 14 rafting. We're a group of 8 (4 adults, 17F, 9M, 9F, 7F) so trying to shift to a slower part of the river. Better safe than sorry. Going from 2 days to 3.5...

https://fortune.com/2023/04/09/early-retiree-fire-movement-returns-to-work-financial-samurai/ I retired for the 1st time in 2004 so how can this article's timeline be anywhere near accurate?? He wasn't a pioneer, he was a follower just like me only a decade later

Just booked 8 for whitewater. Had to take a Sunday as preferred Saturdays were sold out. That's okay ~~ will shift everything by just 1 day

I just canceled my cruise line insurance and thinking of just going with my credit card insurance. My comparison: Cruise costs are: #1 is 906, insurance 72.48 #2 is 4348, insurance 345.03 so 3k 'at risk' #3 is 1938, insurance 155.04, 438 uncovered so 282.96 'at risk'

I'm an idiot. But it worked before!! I had started Visa / Mastercard accounts for DS, DD, GS1 without a problem. I start the account with me being either joint owner or authorized user. I make minimum payments for 1 year but they charge / pay everything else off. Generally takes a few months...

My marginal federal tax rate is 22% / 9.3% marginal state rate. If it was you and all else equal, would you invest 50k in taxable CDs or taxfree bond fund with 1.32 beta / 2.49% yield?? Do I add 22+9.3=31.3%. Then add the 31.3% to 2.49% yield or subtract it from 4.25% cd? How do I factor in the...

I basically live on my pension but if I do these 5 cruises I won't continue to save all my SSA pymt. Which is only 2035 after 25% deducted for taxes. I've got at least 550 onboard credits for most (only 350 for Cabo) and typically spend less than that. Also have 6 month EF at regular bank

Well it was really simple and fast. Then I noticed I put the wrong month in. Future travel plans are in 13 weeks but by putting in the wrong month it showed as in 9 weeks. Can't get back online as site gives me the circle of death, alternative is trying to call in. Would you try to correct or...

I just went 16% fixed income, 85% SCHB, only 1% individual stocks. I cannot believe I'm this conservative. Plus all future deposits will be into CDs. So I'll be 20% fixed soon. Is that a good allocation for someone retired 6+ years but pension covers 100% needs / this would be for wants &...

I asked my grandson if he'd applied for SFSU to get his teaching credential yet. Says it's 'in process.' He graduated SFSU w/o much debt (~7800 thru FAFSA but Biden's writing that off) and will owe 5k for that credential. Beginning to doubt why the credential is so necessary. He's already a...

Wrong forum

FWIW I don't know fixed investments but I understand I'm ignorant. Here's my question: I sold 2000sh of PWZ* @ 23.17 on 9/28/22 & bought 105k -> 3% CD. It matures 11/3/22 & I'm thinking of repurchasing 2000sh of PWZ now at 22.71. And the rest into another 1 month CD bc I don't know what to do...

Continually crashes

Several out of state friends wound up on the same 12/8/22 cruise. It's an okay itinerary but I'd be going just to reconnect. Or donate 1k to the Philharmonic. Can't do both. But want to.

In the recent article, What is FIRE Movement, Experian and I disagree. One of us is wrong. The premise is: "They do this by saving at least 50% and as much as 75% of each paycheck—an aggressive and challenging goal that typically requires making major lifestyle changes". I reached it by saving...

I've decided that maybe I should put about 50k into bonds. But I don't know how to do this. I know the mechanics of buying but how do I decide if it's a good one?? It would be in my IRA if that matters. What do I need to read up on to figure this out? About a decade ago Schwab advised me to buy...

I'm looking for options on which National Express bus to get a ticket for. I'm getting off a 10 hr flight landing at 12:30. I don't have Global Entry. I read about ePassort at LHR which sounds a lot like mobile passport (speeds up customs at SFO). My options are 2 busses, 1415 and 1530. Just...

I just figured out how much cash I need to take RMDs for 2 yrs in cash (2024 & 2025). So now where to put it?? Concerned with buying treasuries or CDs right now Some readjustment today. Now 85% SCHB, 8% Cash, 4% PWZ, only 3% individual stocks I've heard something about fixed income that rises...

I need a hobby. Refinished all wood cupboards (kitchen & 3 bathrooms). Replaced 1/3 of floors. Ordered replacement furniture. Cruising every 4 months. Luncheon every weekend. Basketball on weekends. Dog park 3 times a week alternating with hiking. Music several times a month. And still bored...

Years ago I used to make well over 300 trades a year. This forum helped me with a reality check and I went in the completely opposite direction. Now I barely trade. Maybe a dz last year. And no options .... never thought that would happen LOL. DBP covers day to day expenses & 5k charity. SSA...

Great time on the cruise & tested negative at home on return. BUT 3 of 11 immediate family members (DS & DGS in 1 home, DGD that lives with me) are positive and they didn't go anywhere other than the office (DS who shared it with DGS) and played in a BB tournament (DGD). Are you testing on...

Not sure how to title this or if its been discussed recently .... I barely slept last night because of all the money I'm going through. It's not a happy "Blow that Dough" but a sleepless one. I have always saved, except right now. I'm not spending any of my savings or investments, I'm just not...

My sister has just informed me that my nephew is marrying his longtime girlfriend (they have 2 kids in common) next June. No one is invited. What is the customary gift? I asked if they have a favorite family restaurant and she suggested that I gift bicycles as they like that. (Seriously?!? My...

My daughter is just back to work. She was never eligible for UI because she left work Feb 2021 not because of pandemic. Her savings sustained her while she tried to find work and just started with her previous employer. (Lost naturalization papers and state dept is SO SLOW so can't do a I9)...