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How does one go about setting one up? I understand the pitfalls, and would rather be beat with a stick, but in trying to get a mortgage, I am constantly turned away because I have assets but no steady income. I can do the IRA to bank portion online with Vanguard, but how do I do the...

I figure some of you have been federal employees, and I need a little perspective. I grew up poor, and always have something in line to keep the wolf from the door. About a month ago, I took the test to work the 2010 census. They are currently hiring recruiters who in turn hire the door to...

The pickup was not running well the other day. I checked and the fuel pump was not putting out enough pressure. I pulled it off, rounded up the receipt from when I purchased it, and headed to the store. The pump had a lifetime warranty, and when I handed over the old pump and paper work they...

I have been looking at selling my house. About 5 years ago, I refinanced. When I refinanced, the appraiser stated that he could find no comps. I have had two realtors look at the house and give me estimates on listing price. They were within 5K of one another, but their comps were not really...

Here I am enjoying myself, ten months out from freedom day, and the phone rings. I was offered a 6 month contract that would cover my expenses for almost the next two years. It would reduce my withdrawl rate to zero for that time. It would be good work, with out the mundane b.s. that makes a...

My budget is well below the amount figured at 4% of portfolio, but I exceeded it this month. Actually, I have budgeted for just under 3%. One little temptation, and I blew it. I did it by buying a nice, comfy chair. On a cognitive level, I tell myself that I am okay, but 7 months into...

4 months and 2 days into ER, I feel like Huck Finn. I have died and gone to heaven. I just thought I would share.

I just finished going over my Vanguard Investment Review. I'm looking at investing cash out retirement funds and reallocating 401K funds to balance. The mix will be 60/40. The planner and I had similar outlooks and strategy. With a 40 year horizon the plan on their calculator showed 100%...

I rolled my pension into Vanguard. It is sitting in a MM acount pending decisions. My 401K remains with Fidelity. I can draw from my 401K without a 72T. The investment options within my 401K are not as varied as they are at Vanguard and the costs are higher. I'd really rather move the...

Hello one and all. I'm 55, single, 600K in Fidelity and Vanguard, paid health care and only owe on the house. I'm quite healthy, only sneeze once in a while from hayfever, and active. I prefer my bike to the car, and monthly expenses are about $1500 if I go hog wild. So, I quit. I spent...