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Hello everyone, Been awhile since I posted but I wanted to get some comments/insight on the current situation. Original plan: Drop down to PT work at 55YO where there is less stress and job demand yet still an excellent salary and most importantly benefits. Throwing out fictional round...

I know the mantra about retiring early is to know your expenses. I have never been good at tracking our expenses down to the penny or even having a budget. It has always been ball park figures. So I thought of two ways to to get a rough figure of what we spend or what we would need to replace...

I did a search for this topic and only found one from 2010 that didn't have much traction. I was wondering what experiences you have had with renting your home, 2nd home or straight up rental on VRBO and similar sites? I am thinking of building/buying a home in a vacation getaway next to...

Howdy- I'm thinking of doing a (extended) family vacation to the beach. California is close(ish) to us and would like some recommendations for a great beach in California to stay at. We'd be looking for something like a VRBO that opens onto a beach and where it is good swimming temps (are...

On Page 9 of the most recent Consumer Reports (10/14) there is an article titled "New tax rules limit your IRA rollovers." I am not sure I am understanding it correctly, is states that you can only do one rollover per year starting in 2015. I am thinking the key words are "non-taxable"...

Hi- DW and I are getting up there in years....we have 4 kids (two are adult and out of the house) and we'll have a first grandchild soon :crazy: We are thinking we would like to do some type of annual trip/vacation (something that we haven't done in the past, due to a lot of things) in the...

So, I have to admit that for entertainment purposes, I sometimes spend $2 for a lotto ticket. Even though the lottery is a tax on people who are bad at math. Here are the "What would you do?" questions if you won: Do you continue to handle your own finances? Or go with a financial group of...

I tried to bump an old Mint.com thread, but it was over 472 days old and wouldn't let me. I am curious as to who is still using it, if it is everything you need, what neat functions you have found out, etc. I bought Quicken about 2 years ago to finally develop a REAL budget for DW and I. I got...

I recently received a letter and packet from Vanguard stating that my linked checking account that I use to purchase funds will be deleted unless I complete the packet that requires notarized signatures from both account owners. I am curious as to why they are suddenly requiring this even...

Hi, I became a reluctant landlord when I couldn't sell the house we moved from in a reasonable amount of time and in the soft market. So far it hasn't been bad and I am actually looking at maybe buying another house to rent out since we have had good luck with this one. The question is...

My mom (69 years young) is retired, she is paid some alimony from my father. I am going over to her house tonight to help her set up a Roth IRA through Vanguard and also move over some other accounts to consolidate everything. One of the questions that I have is the requirement of the...

My mother who is only 69 is talking about consolidating her retirement accounts. She wants some help and would like for the helping person to have access to the account if she is unable to herself (her mother, my grandmother, had Alzheimer's but recently passed at 94) and she is afraid that if...

Someone had posted in another thread that they wouldn't keep all their money in one management company (Vanguard) because no one is too big to fail. Should I spread out our money into 3 different companies (Vanguard, T. Rowe Price, Fidelity)? Seems like a lot of work. How many companies do...

I joined ER.org about two years ago, after seeing some updates from other members, I realize that I haven't been moving much or at all towards my ESR goals. My goal is/was to ESR at 55ish (12 more years), it has always been semi-retirement due to the fact that I anticipated needing HI coverage...

I work for a worldwide retail/wholesale chain, as a pharmacist, that has a reputation for being 'good' to its employees and for the most part that is true. My biggest issue is that there is no pension/retirement. No problem, most places don't have them anymore and it just means we save more...

I know there have been 'what are your annual expenses' surveys but I am interested in people who have gone from moderate to high income levels then drop to 50% or less in retirement. Did you do it? Any problems? Things you would do different? An example would be someone(s) earning $200k year...

I suppose we are in a recession, I hear it on the news daily. Large losses in portfolios, etc. But has anyone noticed a decrease in spending in their area? It seems the stores and resturants in my area are still crowded and as busy as the last 10 months. Heck I even had a 20 minute wait for a...

I guess this is the right place to post this (I didn't see any mention on first 25 pages of FIRE and Money) Has anyone tried Zecco for trading and if so how has it been. It seems to be free for 10 trades a month as long as you have $2500 in the account.

O.K., I am a newbie and I was under the impression that if I purchased Vanguard EFT's through my account at Vanguard on their website, there wouldn't be any commission fees. Isn't that was Vanguard is famous for, low expense ratio and (I thought) no commission on their own EFT's. I was just...