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I have the majority of my retirement portfolio in Traditional IRA's (85%) and the remainder in a Roth IRA (15%). I've been retired since '08 and it has been funded entirely using the IRA's. I'm starting SS beginning this year and this will considerably reduce the amount of money needed from...

I just wanted to get feedback/confirmation from the ER forum that I am interpreting the information from FIRECalc properly. When I use the "INVESTIGATE" section to see what initial spending level is recommended that provides a 95% success rate over a 30 yr. term, the initial spending amount...

I was curious as to how many of our retired members use an Intermediate Annuity as part of their portfolio. I am considering purchasing one and would appreciate anyone's feedback on their experience researching and purchasing an IA. If you do have a Immediate Annuity, did you purchase one...

I'm not sure I'm interpretting the Firecalc outputs correctly so I need some assistance in understanding the results. Let's say you input expenses of $80K per year (including taxes) and a starting portfolio amount over a 30 year term and FireCalc calculates there is a 90% probability of...

Anyone know why Nortel Networks (NRTLQ) is moving upwards? It went from $.08 to $.26 PER share in the last few days. Is this just day traders or is something sigificant occurring with their bankruptcy that's worth investing in?

I have been trying to get access to a site which offers a free credit report as suggested as a way to save $ on insurance etc but have had a whale of a time finding the site which provides your credit scores for no charge. All the sites that say they offer a "free" credit report seem to actually...

I have shares in Nortel Networks which recently filed for bankruptcy. If Nortel remains intact following the bankruptcy proceedings and is not completely broken up and sold off, will my shares be worth anything or do they reissue new stock as a new company? In other words, is it better to sell...

I recently received a settlement from a class action lawsuit against Nortel. The class action lawsuit was a result of Notel cooking their books back in 2001. Folks who purchased stock in Nortel during that timeframe lost alot of $ as a result of their fraud as the stock value plummeted when the...

I have followed this forum for several months now and am most impressed with the financial savy of the group participating. I would like to pose a question to the group to get your feedback. I will be investing a sizeable amount of money in about 2 months and given the economic climate we are...

Question for those drawing pensions and social security...in addition to paying federal and state income taxes on your pension and social security do you also have to pay Medicare taxes or Social Security taxes as well? Any minimum income amount before taxes are taken out for either pension...

Lots of posts as to what folks own as motorcycle organ donors and sportscar fanatics, is anyone a general aviation pilot? If so what do you own and where do you fly out of? I own a Mooney 201 and fly out of Roanoke VA.

I am retiring shortly and want to convert my company 401K to an IRA at Vanguard. I have about $38K in taxed assets in my 401K and folks have suggested converting that portion of the 401K to a Roth IRA. Where can I find good information about converting a 401K to a Roth IRA and in particular...

I probably missed it in the details but how does the FIRECalc formula take into consideration state and federal taxes? If it doesn't, then are we to "estimate" them when inputting our expenses into the questionaire? How have you handled taxes in accurately inputting your expenses into the...

H! This is my first post although I have browsed the board several times. There definitely is a wealth of knowledge to be had reading the posts. I just recently "pulled the trigger" and notified my supervisor that I will be retiring at the end of the first quarter. I am 52 and have worked...