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DD4L, CONGRATS!! Also been known to lurk. Working on being semi-RE myself. Wishing you great luck and see you around! Jane

Lord Just, Definitely food for thought. My DH used to be the OMG the sky is falling with stock market. I am the one planning our investment portfolio and it needs to be balanced enough for his comfort level. We will need equites of course but we will be on the conservative side so he can...

thanks again old shooter TY Old Shooter! This makes sense. I am currently keeping money on hold a little longer and have a chunk that is stuck in transfer land so not ready but hopefully soon. Plus our kids and new grandbaby in town visiting for the next week so enjoying some wonderful...

Thanks for this analysis I am working on / brushing up after many years of not being able to even think about investing. Now that we are starting again to plan our retirement it's a bit daunting. I am reading on bogleheads forum, and not a real rush. We are starting with a mini porfolio of...

Beach, Thanks, again, I am not saying for other people to follow our example. We are getting the minimum for soc sec and paid min in. We are fine with that. We both qualify for Medicare which is huge. For me bothering to wait for for 70 years old or 67 etc, I am looking at a few hundred...

Thanks, target! :)

Yes, PB for most people I would NOT recommend avoiding paying into the SS system. Reasons we chose not to do more than minimum include the fact that being self employed paying 15.3% (employer and employee contributions), Plus we were young and trusted more in our own ability to cover our own...

PB - my apologies for the format issue and all of the asterisks! Cut and pasted from a saved document. I will not be doing that again! also did not know there's reits in other parts of my portfolio. need to dig / look further at each fund's allocation. question on are reits a good choice for...

Correct Retch. Learned the hard way back in beginning (1982 with super high interest rates as well). young newlyweds - Weren't incorporated, built a spec house, sold for profit of about 10k on top of other income and at tax time accountant called and told me to sit down and pour a drink...

hey Tom Thanks for your input. I like that idea. Certainly simpler. I think I have been over thinking the process. BTW no one has commented on my wanting 20%in Real Estate fund Our personal RE holdings are a good part of how we have successfully invested and has been a comfort zone...

self employed I did not pay myself ran the home office raised kids, husband took salary but also profit thru s corp and real estate income plus depreciation from llc

thanks old shooter Thanks for your advice. I will rethink and dust off my bookshelf I'm pretty sure I read one or both of those about 12 years ago. Agree on the looking back. and the way things are now it's a bit more of a crap shoot than ever. that's why I am asking input from you all...

cool thanks, bill I will look into this. no tax issues as in ira's basis should be even for when I buy. I get free consult with vanguard and will ask them. I like the portfolio backtest calculations so I can run scenarios in there and get a better feel. on my homework list: etf vs mm...

Thanks for welcome and advice I am rusty on using the forum so please bear with me! I sent ty replies but they aren't showing in the thread and seems like I should reply publicly here... so, thanks for the welcomes and I do hope to be able to contribute here and there. I actually am aware of...

Hi, all! I’m Jane Doe, a new old member coming back to the fold and hoping to get some good advice and input on my small starter portfolio. So that you know where I am coming from with my background please see where I have posted a “Hello, I am” thread link here...

Thanks, guys! This forum has always been so fun and friendly! Looking forward to getting back up to snuff..... Jane

Hi, all! I go by “Jane Doe” and actually found this forum back around 2005 and had to quit in 2008 or so due to almost financial ruin from being stupid enough to open a pub in the summer of 2007 right before the economy tanked. ** So, when we lost all our life savings, it was just too...

Congratulations! Covid absolute game changer! Congrats on pulling the plug! and coming out of lurking! I am on permanent layoff so am looking at what we can do to do the same! Fingers crossed, good luck and God Bless! See you around ( see my new HI I am post )

John, Where have you been? ;D (I've been in Cognito! O0 ) Jane :)

Dog - You're a ... well, dog! Enjoy a cool one for me, too! Steve - I 'm sorry to hear that your undeserving employer has not made any efforts after you rose to the occasion for them to keep things straight. Only so much you can do, but it still s*cks. Their antics after you exit may be...

Al- Can you please add an additional response choice: What is a grocery store? ;D Have a great day! Jane :)

Thanks guys for the encouragement! I will definitely be dropping in, just not keeping up as well. I may miss out on some happenings (such as did Lawrence's wife have her baby yet?). We may need to start a new topic heading for people in the news on the forum ........ :) Anyway, no, Martha, not a...

Well, guys, I have been playing least insight here lately and will continue to do so. DH & I are embarking on a new adventure. We are revamping our existing business and will be re-opening it into a much bigger more complex operation that will hopefully be more successful than the previous one...

Congratulations, Kramer! Good luck in your adventures and be sure to keep us posted on your semi-FIREdom. Jane :)

Quick answer to OP with a QUICK skim thru of replies (i.e., sorry if this is a repeat) Have an aquantance (sp?!) with health issues - she got a part time job at home depot and got decent health care coverage. Don't know much more details. Could be very useful, tho. Best to all! Jane (very...