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LOL - the damage from a fireball is lot more devastating!

+1 -- I do not have the stomach for a 20+ percent decline.

4.75% ytd, 40/60

Most likely the cost of severity (as opposed to the rise in claim frequency) is the culprit. I notice car repairs as well HVAC and appliance repairs have increased rapidly.

LOL - attract new customers but screw exiting customers?

That's a great deal!

What's yield on your bonds?

How about Vanguard Treasury Money Market Fund (VUSXX) albeit the yield is slightly lower than that of T-bills? It provide higher liquidly.

3.13% - 40/60 aa

Thanks. I will give it a try.

Is H&R Block software similar to Turbotax in terms of ease of use?

Allocation: Stock 41.08% Bond 29.22% REIT 2.86% Cash 26.84% YTD: -7.69%

Scrabbler - good for you

I feel the same way. It is hard to maintain faith in international stocks after so many years of underperformance or poor returns.

YTD: -10.51% 40/60 (FI/equity)

Have you decided on which plan? What's the premium? Do the quoted premiums from various companies include the Part B premium ($170 - 578.30)? I assume they do not. I am considering this plan: Medigap High Deductible Plan-new.

LOL - went up ~2.5X in ~8 years. Amazing!

We have accounts with Vanguard, Dido and Schwab. They are all fine.

Our YTD is about -10% for a 40/60 (FI/equity) mix. :(

DW is 5 years younger. That makes it a little harder to retire at the same time.

I am planning to establish one joint and two individuals and to use Quicken WillMaker & Trust software to produce the documents. This site may be useful: https://thefinancebuff.com/simple-living-trust-software-i-bonds.html

Thank you for the detailed explanation.

Is it true that you could only buy $10K (or $20K as couple) as gifts per calendar year?

Does the application require an entry of serial number for each bond? Our bonds are stored in the safety deposit box. We may need to fetch them for the application process, right? We need to turn them in anyway.

Does TD close your account? I created a linked account about 3 weeks ago. When I logged in yesterday, TD said that it was closed.