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We are both 61 a year away from early SS and are living exclusively on IRA withdraws. We are invested with Vanguard in a 3 fund portfolio (total stock market, total international stock market, and total bond market). Our ratio is around 60/40 equities to income. My question is in a down market...

My financial advisor charges us 3/4% to manage our portfolio. It consists of index funds with a 55/45 split between stocks and bonds. We have only about 5-7 fund/etf holdings. We are retired and 60 years old. Should we just do it ourselves through Vanguard? It seems to me the conservative...

After 6 months here life has settled into a more normal routine. I gained the freshman 15, now I have cut back some on the booze. I play golf 3-4 times a week got my handicap index down to 5.7. We have made some new friends and go out to eat about three dinners per week. Prices at the...

DW is retiring in mid June and I have been out of the workforce since last july. We are both committed to moving from Maryland to the villages in Florida as soon ad our paid off home sells. We have taken a couple of visits to the villages in the last year and we both fell in love with the...

YouTube - Jackie Evancho - Silent Night This child has an amazing voice. Merry Christmas!:whistling:

I have recently bought some VWINX, but I am concerned going forward in this federal spending free for all. It has held up fairly well considering the recent spike in the 10 year bond rate. Do you think it will underperform longterm, or are we going to be mired in weak economy for many years that...

I came across this article today on the Get Rich Slowly Blog. The High Cost of Modern Living I often think about how so called necessities of life have changed radically since I was a kid. Once we have tasted the fruit it is hard to go back to the simpler life, even if it means we have to work...

I was watching the Suzy Orman show over the weekend, and I was disturbed about her advice to a couple that wanted to retire early. As I remember it the couple was 59 and 53 years of age and they wanted to take retirement in about a year. They had a $4000 per month pension no COLA, a paid off...

I guess you could consider us young dreamers, but both of us are 56 years old and are burned out at work and want to get out asap. We have saved around $900k (830 in reg IRA and 75 in Roth IRA). Our investments are in index funds and ETF's with a 50/50 equity/bonds spread. We have no pension...

I often read from the Early Retirement Extreme blog, but I found this article to be a little disheartening since I am an index fund investor. http://earlyretirementextreme.com/the-death-of-buy-and-hold.html

I currently have my retirement accounts with Fidelity Personal Advisory Service. We are both 55 years old and want to retire by 62. I have recently read the "New Coffeehouse Investor" and we are thinking of switching to this index style of investments. The PAS historical returns for the last 10...

I am pondering what to do with my wife’s lump sum pension. She will be receiving it around October 1 of this year. It is around 400K and will represent about 50% of our total retirement assets. We are both 55 years old and want to retire at 62. I have been approached by a financial advisor who...

My wife's company is closing there local branch sometime this year. She will receive 2 years severance pay and a full pension. We are both going to be 55 this year and my wife is going to pursue a new employment as a manager. Her pension offers the choice of a lump sum payment or non-cola...

Does anyone have anything good or bad to say about these services. We have been considering Lifelock service, but don't know if we need it or not.

I need some advice. My 25 year old daughter, from my first marriage, just got engaged to a 40 year old man with 3 kids. They have lived together for a couple of years. One year ago they bought a home. Now she is planning a moderate wedding ceremony of around 15k. She is including my current wife...

I have used the same advisor since 2002 and have averaged gains of about 10% net per year. He uses a covered call strategy. I am invested 100% in stocks and pay a 1.25% commission per year. As of 6/30 we were only up 6.35% for the year. He told me that we are getting close to market returns in...