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At this point, would not recommend! So, recently did some Google searching. I was specifically looking into RSP (Invesco equal-weight S&P 500 fund) and comparing it to SPY for current trends. I am considering moving my allocation from RSP to SPY. For some reason, when you search for comparisons...

Some interesting stats from the Nasdaq Chief Economist here, comparing three different strategies. Hold overnight, hold intraday, or buy-and-hold. Oddly enough, even though it would be a lot of work and expensive if you have fees, the hold overnight strategy has, until recently, outpaced even...

I am in Experian hell. In March I got an AmEx Platinum card. Before I applied I attempted to unfreeze my credit at all three bureaus. None of them showed that my credit was frozen. So maybe I already unfroze it all, or maybe I only froze it temporarily? Not sure any more. But the application...

It was a very long and detailed presentation. Maybe 5-6 hours including Q&A? Here's a nice relatively short synopsis/overview...

Although our pensions through TCDRS are technically fixed, each individual county or district that participates can initiate a cost of living adjustment. I did not know this until this year's benefit statement came out, indicating that both of my previous employers did so this year. :dance...

So I finally got into the right mental space to allow myself the luxury of traveling like we've always wanted to, but without the backpacks and hostels. Current trip length is around 7 weeks. I've been pricing every possible combination of itineraries I can come up with from either Guadalajara...

I'm looking for the following: 1. Tax projections that take into account current and future rates (if known), brackets, SS tax, etc. I want to be able to use this to minimize taxes going forward. 2. Input various expected rates of return for portfolio (stocks, i-bonds, etc.) 3. Input various...

...for the first time in, well, possibly since early 2020! So, yay, it's not COVID! But, not yay, it's an annoying head cold...

This experiment will cost you $6. You may find it entertaining, possibly even useful. YMMV. I recently downloaded the Lensa app and fed it 20 recent photos of myself. A few minutes later it produced 100 avatars of me, all rendered by AI (not just by adding some filter). You can tell it's AI...

... when I discovered the easy way to open a thread directly to the place where I last left off...: :facepalm: https://www.early-retirement.org/forums/attachment.php?attachmentid=44817&stc=1&d=1674062253

I thought that getting tax forms electronically would help me file early and get it over with, but it doesn't seem to work like that for retirees. The main source of delays seems to be brokerages. Specifically, Schwab. I don't do any exotic trading, Index funds only, but my best estimate is that...

Our parents are 91 and 87. Their budget is thin but they have spent several years together in assisted living (Brookdale). Dad has managed to negotiate his way out of/around prior monthly fee increases but I don't think that's going to work this year. They are facing a $675 jump in the monthly...

Schwab home page today. I mean, this is an indicator, is it not? https://www.early-retirement.org/forums/attachment.php?attachmentid=38814&stc=1&d=1619890525

Really great write-up here (and *free* even though it's on Medium) A Supercomputer Analyzed Covid-19 — and an Interesting New Theory Has Emerged The new explanatory hypothesis involves bradykinin. It seems to explain more of the symptoms than any other hypothesis to date, as well as offer...

No, seriously! "Sociological research over several decades demonstrates that disasters typically bring out the best — not the worst — in people. Disaster survivors tend to respond in overwhelmingly "prosocial" ways: They remain calm, make rational decisions and cooperate with others to address...

A very interesting thread on Twitter, with dozens of links, from Zeynep Tufekci about why telling everyone they don't need masks, that we should let only medical professionals wear them, probably backfired and caused them to be hoarded. I'm now officially into making my own mask!

I am curious about clusters and tracking. This may come from watching too many episodes of "Medical Investigation" back in the day... It also may be a bit of a morbid curiosity. Nonetheless, I found this article fascinating... East Sussex Family may have been infected with coronavirus as...

I figured that the Preppers were all in their Bug-out locations, hunkered down, feeling quite glad to be ready now that the sh*t has truly hit the proverbial fan. I went to visit several forums to see what was up. Oddly enough, it seemed like very few were taking the COVID-19 pandemic...

Interesting comparison - here's how one big cluster got started, both in Italy and Spain: Spread of virus linked to Champions League match The game was Feb. 19 - two days later Italy had their first locally transmitted COVID-19 case. USA - first locally transmitted case was Feb. 26 - sports...

S. Korea is generally being touted as a success story, a country to emulate. Seems they did it with preparation and massive testing. Also early treatment and legally enforced isolation/quarantine. Their new case numbers are now plummeting and have not had to resort to mass lockdowns. Why are...

Just ran the numbers on Schwab's calculator. It indicated that the difference between IRA and Roth 14 years from now would be a whole $6. This doesn't seem right though. Our income will go up this year, next year and two years after that (pensions and SS). After this point, no more income...

I finally found my 'savings' spreadsheet where I attempt to project annual income from pension and SS, including calculating SS taxes, etc. I adjusted some numbers that have changed, but I am unsure if I am calculating the SS taxes correctly. Google has been unhelpful :( So here is what I have...

Early retirement sounds amazing, but it can take a toll on your mental health Scared, worried, anxious, full of self-doubt, on top of the normal retirement issues of depression, binge-drinking and loneliness. deteriorating health. It's amazing any of us are still alive! Geeze...

I can no longer find a thread, and my last post to the thread is not in my statistics history. So what has happened? 1 - Thread has been hidden 2 - Thread has been deleted 3 - I have been banned from the thread 4 - I am imagining things, the thread never existed :blink:

I mean, seriously - that market peaked. It’s all watches and smartphones now. Sure, I could always get back in to clocks in the future, but then people here would just call me a...... (Wait for it...) Dirty market timer! Ha!