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Search: Posts Made By: rathgar
Forum: FIRE and Money 02-28-2020, 09:26 AM
Replies: 42
Views: 4,899
Posted By rathgar
Hi all, so I see the market is down again 1000...

Hi all,
so I see the market is down again 1000 points at this moment-
does this seem normal or way beyond normal?
are any of you getting concerned that this is something never seen before with...
Forum: FIRE and Money 02-28-2020, 08:31 AM
Replies: 42
Views: 4,899
Posted By rathgar
Thanks all, I try to educate myself, but I'm...

Thanks all,
I try to educate myself, but I'm just a teacher - no background in investing. Never even had a 401K - it's my husbands.

doing the best I can reading these boards.
Thanks for your...
Forum: FIRE and Money 02-27-2020, 07:19 PM
Replies: 66
Views: 5,176
Posted By rathgar
Yes, you are right about talking with these...

Yes, you are right about talking with these people - that's why I come to this board - you all speak the truth.
Forum: FIRE and Money 02-27-2020, 07:05 PM
Replies: 66
Views: 5,176
Posted By rathgar
Advisor Suggested Annuities?

So DH spoke with (Merrill Lynch) advisor and she suggested we move our money into annuities because we are risk aversive!

As per a previous post about ML, I don't trust anything this advisor...
Forum: FIRE and Money 02-27-2020, 06:41 PM
Replies: 42
Views: 4,899
Posted By rathgar
Thanks all for the responses. I am not yet...

Thanks all for the responses.
I am not yet retired - was about to put in my letter but I am holding off for the moment.
Our MLynch advisor spoke to my DH today and suggested annuities?????...
Forum: FIRE and Money 02-27-2020, 09:49 AM
Replies: 42
Views: 4,899
Posted By rathgar
Retired with only 300K in ML/ split 60/40

My urge is to stop and try to preserve the 300K at this point.
Can anyone advise?
We can't let it sit and continue to lose money -it's what we have to live on - there is no more money being put...
Forum: Health and Early Retirement 02-18-2020, 11:34 AM
Replies: 1,254
Views: 73,668
Posted By rathgar
That's a very concerning perspective.

That's a very concerning perspective.
Forum: Health and Early Retirement 02-18-2020, 08:04 AM
Replies: 1,254
Views: 73,668
Posted By rathgar
I am constantly hearing how we should be more...

I am constantly hearing how we should be more concerned with the flu than this coronavirus.
However, I awoke to this headline:

The new virus is deadlier than the one that causes the flu. NYT...
Forum: FIRE and Money 01-29-2020, 08:31 PM
Replies: 55
Views: 10,272
Posted By rathgar
Husband is retired. I am retiring in October. ...

Husband is retired. I am retiring in October.
We have been calculating our sources of income without including the $100K.
We think we have enough to retire with reasonable comfort.
The 100K has...
Forum: FIRE and Money 01-29-2020, 07:55 PM
Replies: 55
Views: 10,272
Posted By rathgar
100K in Cash - Merrill Advisor Yelling At Me to Invest

DH has a 401K with Merrill Lynch. He is no longer working but he left the account with ML.
We have discussed finding a "real" financial advisor.
I have mentioned the thought of doing it...
Forum: Life after FIRE 11-06-2019, 12:45 PM
Replies: 22
Views: 1,695
Posted By rathgar
I will have health insurance through state...

I will have health insurance through state retired teachers plan - affordable
Forum: Life after FIRE 11-06-2019, 11:05 AM
Replies: 22
Views: 1,695
Posted By rathgar
just wondering what others with similar gaps in...

just wondering what others with similar gaps in age did - and if I'm missing anything important.
Forum: FIRE and Money 11-06-2019, 10:30 AM
Replies: 11
Views: 1,181
Posted By rathgar
social security question

If I retire at age 57- I am at minimum 5 years from taking early SS and 9 or 10 from taking SS on time. Either way - a long time.

I hope to work part time over some of those years. However, I...
Forum: Life after FIRE 11-05-2019, 09:56 PM
Replies: 22
Views: 1,695
Posted By rathgar
yes- he would like me to retire. I plan to work...

yes- he would like me to retire. I plan to work part time - but I'm ready to be done with full time teaching.
Forum: Life after FIRE 11-05-2019, 09:10 PM
Replies: 22
Views: 1,695
Posted By rathgar
Advice: 9 Year Age Difference and Retirement

Hi,
My husband is 65, was let go from his job at age 62 - and is now officially retired.
I am still working, age 56.
I am eligible for retirement from my school job next June. We will have...
Forum: Life after FIRE 10-31-2019, 07:41 PM
Replies: 83
Views: 12,743
Posted By rathgar
Anyone Comfortably Retired With Retirement Savings Under the Million Mark?

When reading these boards, so many people have retirement savings in the millions.
We have less than 500K - we will have a pension, social security, dividends and some withdrawal from IRA - but...
Forum: FIRE and Money 10-31-2019, 07:36 PM
Replies: 11
Views: 1,274
Posted By rathgar
so many people on these boards talk about having...

so many people on these boards talk about having retirement savings in the millions.
we certainly don't and it scares me.
after calculating pension, DH social security, small pension, dividends...
Forum: FIRE and Money 10-31-2019, 06:11 PM
Replies: 11
Views: 1,274
Posted By rathgar
Can I Go????

I am 56 and am ready to retire. I have had some health concerns of late - nothing chronic but enough to make me realize I want to enjoy some of my years of retirement as healthy as possible.

In NJ...
Forum: Hi, I am... 10-31-2019, 05:21 PM
Replies: 12
Views: 1,977
Posted By rathgar
Any Retired Teachers on Forums?

I am 56 and am ready to retire. I have had some health concerns of late - nothing chronic but enough to make me realize I want to enjoy some of my years of retirement as healthy as possible.

In...
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