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Daily Upside carried a link for this app today. Accredited investors (self-certifying, I think) can create a portfolio, research deals, and participate at various minimum levels. A quick scan showed minimums from $500-2500, terms around 1 year, and yields in the teens. Anybody have experience...

The 100% joint-and-survivor option always seemed like a no-brainer, but now that it's time to make that decision, there are definitely different perspectives that can be examined. I'll dispense with most of them, since DW has no benefits other than mine and she gets to make this decision, but...

If I use a 72t on my rollover IRA at Fidelity, will I be able to direct the withdrawals to come only from the cash or fixed income portion of the account or will they want to draw it down equally across all investment options?

I know there are a lot of people in houserobes and underwear making steady money on a market that seesaws +/- two or three percent twice a week, but I'm not one of them. It seems obvious that the churn is created by not only fear and greed, but a great day-trading frenzy. I don't have...

I searched and didn't find an old thread on this topic. I've always been as self-insured as possible (risk tolerant) but last year we increased our auto liabilities to $300k per person, $500k per accident, and $100k property damage. We have the same amounts in uninsured/underinsured motorists...

Guy at church hit me up about this one. He was talking about insurance and borrowing from yourself while still earning returns...or something. I figure somebody on this forum has already put the sniff test on this?

I reserved some "dry powder", about 10%, a month ago and my rough target to plug it back in was a 10% reduction in the S&P which was right around 2000. I really don't think this one will get there. Does anybody have a trigger point for this "correction" where they would spend their dry powder?

In 2011, I had the unique opportunity to choose between taking the helm of our largest organization in a dense metropolitan area or ask for a demotion and be assigned to a rural area where we owned a farm, but had never lived there. We prayerfully chose the demotion and the farm. It was...

I'm finishing "Smartest Guys in the Room", the Enron story, right now. My first was "The Big Short" and then "Too Big to Fail". He admittedly, but necessarily, oversimplifies the complex, but I find his books compelling. I think it's because he makes me feel smarter than the Masters of the...

Everywhere you turn, breathless reports are aging this bull market at five years and touting the total return based on the dead-cat-bounce after the mortgage investment debacle. The recovery period has created some nice returns, but anybody that wasn't contributing money throughout had to...

I'm interested in how many here actually have done a 72t and what advice they have for me. I will retire in 2017 at age 55 1/2 with a non-cola'd pension of $3700/month plus decent retiree medical benefits. We want to use about $6k/month pretax in retirement so I plan to augment that with SEPP...

I'm three years away, but it seems pretty evident that retirees are immediately out of the "club" and socializing pretty much ends with those who are still on the job. It's kind of like the skydive instructor told me: "If you don't jump, we don't hang with you, because there is nothing to...

I want to retire on my 50th birthday in June 2011 using a 72t. Should I talk to a fee-only advisor or just trust all the retired people on this forum to be my guide?

This stock has missed the run in the second half of the year. Should I sell it? I'm still in the hole 10% on the shares that I have.

I'm 49 and will retire in 2017 with pension ($3700/month) and retiree medical benefits (I pay 20% of premiums). Taxable accounts equal $800k now. Real estate equity of $500k (Farm + house in town). We recently closed money-losing Roths and put that money against our mortgage, which now...

I've seen several posters refer to "back when I was buying individual stocks". I started buying them 18 months ago using TMFs Stock Advisor and Global Gains services as my guides. I'm currently "playing" with 1/8 of our portfolio in this manner. It's exciting and probably mildly addictive...

We rearranged our budget this year to put as much cash as possible in the market during the downturn. I also rolled 200k out of employer's 401k to my Fidelity IRA last week which I plan to put 3/4 in Index funds and the rest in individual stocks. I feel trapped on the sidelines because I...

For the last 1.5 years, I have let Fidelity actively manage about 1/4 of my money. I'm ready to take that back and plan to put most of that in the Fidelity "lazy" portfolio that Paul Farrell detailed on MarketWatch. He shows equal amounts in index, euro, small cap, and bond funds. When I...

I just finished Samuel Butler's The Way of All Flesh; a semi-autobiography completed in 1885. In the book, he often refers to a certain class of people as being in receipt of a "living", which means they don't actually work, but live off their investments. He gives many examples of net...

Some financial institutions are in danger because of their large holdings of corporate bonds, right? This is because of the risk of corporate bankruptcy and default? Because otherwise: The corporation survives but is downgraded to junk; doesn't this increase the yield on the bonds ...

I'm dressing for my annual review this past week and I keep telling myself, "don't talk about FIRE at the review". I'm repeating it like a mantra. I'm FIRED up right now and the goal is to leave before 50 with 30 years of service so I'm having a hard time keeping the subject out of my...

is $900,000. I mean $875,000. Oops, I mean $855,000. Oh shoot, $810,000. This is when I quit looking and quit trading and just wait. I don't own any bonds because I don't see the point in trying to smooth the dips at the cost of not riding to the top of the wave that will...

I'm 46, DW is 44. I was transferred to Plano, TX one year ago with a raise to six figures. We had a big year of living it up and even traded in the 10-year old GEO Metro on a new Hyundai Azera with heated leather seats. I gotta admit, that thing is sweet, but it pains my conscience. My truck has...