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Not quite yet Dandy Don Time. Plenty of teams come back from 3 - 1 deficits. My Cubs did it in 2016.

I was working on the bond floor of the CBOT. I started at the CBOT in June of 1987 after I graduated from college. All I remember is I got home very late that day and my Mom wanted to know why. I was trading Treasuries in 2008/09. That was crazy [emoji13].

Our numbers are similar. But we are older (58 and 54). And we have 1 kid out of college and 2 in college. I just stopped working from a 2nd career job that was physically taxing. Wife is working with health insurance. It’s uncomfortable for me but I am beginning to feel very good. Taking time...

And Schwab gave me $3,200 for moving my accounts. I will keep Vanguard ETF’s out of a sense of loyalty and for tax reasons. Jack Bogle and Vanguard had a hugely positive impact on my life. But people’s situation change.

I’m switching to Schwab after nearly 40 years at Vanguard. I had an issue with ETrade for my parents accounts that to say the least was a nightmare. I would never subject my wife and kids to dealing with a 1 800 # if I was hit by a Bus. Likewise I if something were to happen to my wife there...

I worked around 20 feet from Santelli on the floor of the CBOT. He never traded. He was a phone clerk. He is Chicken Little. His fear mongering started during the financial crisis and went to extreme levels when Obama was elected. His Tea Party rant marked the bottom of the equity mkt in 2009...

I’m 58. I just retired. My solution was just put a date out there and tell your employer. I gave 6 weeks notice. I had second thoughts and questioned whether I was doing the right thing. But eventually it felt right. I will find some work though but my goal is to have summers off. I probably...

Look at the leaders of the golf world. It’s the culture they grew up in and it’s the culture they fight to preserve. I’m not a golfer but I considered joining as a Social member at a CC near our Lake House. Then I thought about most guys i know who are members of CC. No thx!!

I redeemed 2022 and 2021 purchases yesterday. Proceeds should be in my Cap 1 account tomorrow morning. Vey easy. I don’t plan to redeem any more.

Not sure if this is discussed specifically on the site but we bought EE bonds from 2006 to 2022. First business day of the year. Today I redeemed the 2022 and 2021 purchases. Don’t plan to redeem any more but wondering what others are thinking. Basically plan to buy the 10, 20, and 30 year...

Vanguard had basically been my only brokerage for 35 years. I had a really bad experience with my parents finances at ETrade/Morgan St. I have now moved both my parents accounts and mine to Schwab and have been very happy. Great service by Schwab and to have a local office has been awesome...

Plus have to consider state taxes. In Illinois you avoid taxes when you contribute and you don’t pay taxes when you withdraw. Save 4.95%.

I’ve always been a Vanguard guy but I manage my parents finances and quickly have learned the importance of having a local office. I had a bad experience with Morgan St and then E-trade regarding my parents finances. I had power of attorney at MS but did not at E-trade. Became a nightmare and...

We have not had a mortgage since 1999 (34 years old). I’m soon to be 58. One of the best decisions I ever made was to pay off my house when times were good. I’ve had a volatile career (former trader) and this really allowed me to weather various storms with very little financial stress.

We live in IL and Mom owns a cabin in Michigan. Any idea what inheritance tax or capital acquisition tax would be. Cabin worth around $500k. 8 kids. Not sure if anyone wants to purchase it after Mom passes.

I look at ER infrequently. But for the luv of God they are being discussed in my neck of the woods. A glazed look is what I usually get. Wall Street doesn’t get paid for I bonds. They get paid for structured notes though.

3.38% effective tax rate

My annuity is EE bonds. $40k a year starting at my age of 65/wife 60.

Thx. Always just been a Vanguard guy. Now I’m a Fido guy too. So is my wife. [emoji385][emoji385]

St. Joe Michigan

Twice a day.

Thx for all the replies. It’s nice to hear that I should make a change. Glad to join this community. The change won’t happen immediately, but it will happen soon. I will have my wife read this thread to get the discussion going. [emoji106]

As someone stated Chicago Mercantile Exchange. Started working there in 1987. Had a nice run but really stopped making $$ in 2011. Being a 30 year Vanguard client certainly has helped my current financial situation. Anyway, I guess the point of my post is I have run into a situation where...

At least for me, finding something else to do is the hard part. Thx