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Forum: FIRE and Money 04-24-2020, 09:19 PM
Replies: 6
Views: 406
Posted By almost_there
Target Date Funds and Selling Before Year End

I recently retired (end of 2019). I have as a core holding Vanguard Target Retirement 2020 Fund (VTWNX). This represents about 30% of my (approx 1.7M) portfolio. Most of the portfolio is tax deferred...
Forum: FIRE and Money 01-23-2020, 09:52 AM
Replies: 5
Views: 1,003
Posted By almost_there
Capital One CD rates

Thinking about getting a CD. Since I already have a savings account with Capital One, I looked at their offerings first.
The below link has the CD rates for Capital One. What seems unusual to me is...
Forum: FIRE and Money 01-21-2020, 08:19 PM
Replies: 33
Views: 3,586
Posted By almost_there
I am going to use some of it. I would like to...

I am going to use some of it. I would like to reinvest most of it though (more than half). My thinking is that I will reinvest in a shorter-term less risky investment. The original mutual fund that...
Forum: FIRE and Money 01-20-2020, 08:05 AM
Replies: 33
Views: 3,586
Posted By almost_there
I do have the option of continuing the work for...

I do have the option of continuing the work for the company I retired from on a part-time basis. I have not yet really decided if I want to do that though. If I did I suppose that I could work enough...
Forum: FIRE and Money 01-20-2020, 06:46 AM
Replies: 33
Views: 3,586
Posted By almost_there
Thank you Helen - I already have a small Roth IRA...

Thank you Helen - I already have a small Roth IRA that I would love to add to. The research I have done so far though says that you are only eligible to make a Roth contribution if you have earned...
Forum: FIRE and Money 01-20-2020, 06:29 AM
Replies: 33
Views: 3,586
Posted By almost_there
----------------------------- The main reason I...

-----------------------------
The main reason I sold the mutual fund (one of several in the IRA) WAS to pay the taxes in 2020 when I will have little or no earned income. I plan to do this again...
Forum: FIRE and Money 01-17-2020, 05:03 PM
Replies: 33
Views: 3,586
Posted By almost_there
OK, I understand that my question was pretty open...

OK, I understand that my question was pretty open ended. My excuse is that it was my first time and I was feeling a little giddy. I actually do have a plan and this was a step in the execution. A lot...
Forum: FIRE and Money 01-17-2020, 11:38 AM
Replies: 33
Views: 3,586
Posted By almost_there
OK Got Some Money - Now What?

I retired at the end of last year and am heading into a brave new world in 2020 (no more paycheck!!). I just sold a mutual fund in my IRA and withdrew the proceeds. Had them withhold 20%. After all...
Forum: Hi, I am... 11-27-2019, 09:09 AM
Replies: 9
Views: 1,518
Posted By almost_there
Today Is My Last Day ....... Sort Of

This is going to be a long post so if you are reading this and have better things to do feel free to stop now. I won't be offended
and honestly this is as much for my own cathartic benefit as...
Forum: FIRE and Money 06-12-2019, 12:11 PM
Replies: 24
Views: 2,641
Posted By almost_there
Roth Conversion Mechanics

I have been following the "Roth Conversions make sense?" thread with some interest. It has me asking some questions but I don't want to hijack that thread so I thought I would ask the questions in a...
Forum: FIRE and Money 06-01-2019, 02:08 PM
Replies: 13
Views: 1,046
Posted By almost_there
Yep. that was me. Thought about going 5 years ago...

Yep. that was me. Thought about going 5 years ago but I am basically a chicken. Kept finding excuses:

Let me pay off the house first - check
Let me build up liquid assets to > 1.5M - check
Let...
Forum: FIRE and Money 05-31-2019, 08:02 AM
Replies: 13
Views: 1,046
Posted By almost_there
Opinions sought: What to do with 401k

I really like this forum and am looking for some opinions from the really smart people who frequent it.

My situation:

Will be retiring and the end of this year. Most of my retirement assets are...
Forum: FIRE and Money 09-26-2018, 01:04 PM
Replies: 13
Views: 1,060
Posted By almost_there
Ah, had not considered the home equity. Only have...

Ah, had not considered the home equity. Only have 19k left on the mortgage but I did take out a 60k HELOC a while back that was to be an emergency fund. I have never used it. I also have about...
Forum: FIRE and Money 09-26-2018, 08:52 AM
Replies: 13
Views: 1,060
Posted By almost_there
.....You say you plan to start SS right away, so...

.....You say you plan to start SS right away, so that means that will be taxable...

I apologize if my original post was unclear. I will not take SS right away. I was planning to take it at FRA.
Forum: FIRE and Money 09-26-2018, 08:36 AM
Replies: 13
Views: 1,060
Posted By almost_there
Paying Taxes on Retirement Accounts or Health Insurance Subsidy?

I am 63 and am planning to retire before FRA at 66. At that point I will begin collecting social security. I have most of my assets (approx 1.5M) in tax deferred accounts (a 401K and 2 IRAs). My plan...
Forum: FIRE and Money 08-18-2018, 07:29 AM
Replies: 23
Views: 1,854
Posted By almost_there
I have most of my retirement money in tax...

I have most of my retirement money in tax deferred accounts as well. My thinking on the house is a bit different though. I plan on staying in my huge house for as long as possible. On paper...
Forum: FIRE and Money 01-10-2018, 08:07 PM
Replies: 42
Views: 3,490
Posted By almost_there
According to the Third Federal web page there is...

According to the Third Federal web page there is a $65 annual fee for their HELOC which they waive for the first year.
Forum: FIRE and Money 10-20-2017, 11:58 AM
Replies: 20
Views: 2,796
Posted By almost_there
Best Time of Year to Pull the Plug

I feel very fortunate because hopefully I will be leaving the workforce on my own terms. My plan is to say goodbye to the working world on 12/31/2018. My thinking is that it will make filing taxes (I...
Forum: FIRE and Money 06-30-2017, 09:29 AM
Replies: 10
Views: 2,333
Posted By almost_there
The company is going to pay the fees. It does...

The company is going to pay the fees. It does sound too good to be true but I understand that Fidelity is feeling lots of heat from Vanguard so maybe this is their response.
Forum: FIRE and Money 06-30-2017, 07:59 AM
Replies: 10
Views: 2,333
Posted By almost_there
Fidelity Flex

My company has a 401k plan with Fidelity. Next month we are changing to "Fidelity Flex". Basically they will map our existing funds to equivalent fidelity flex funds. These funds are supposed to have...
Forum: Other topics 06-30-2017, 07:48 AM
Replies: 56
Views: 3,097
Posted By almost_there
If you have a WaWa gas station/convenience store...

If you have a WaWa gas station/convenience store around you they have free air. At least the ones around me do.
Forum: Life after FIRE 05-17-2017, 03:30 PM
Replies: 768
Views: 93,670
Posted By almost_there
Since we need people for the class of 2018 I'm...

Since we need people for the class of 2018 I'm stepping up. I intend to give my boss the first hint that I am seriously thinking of retiring in a few months. My initial intro posting from 2/2014:
...
Forum: Other topics 02-05-2016, 01:47 PM
Replies: 45
Views: 3,945
Posted By almost_there
Ebay giveth and Ebay taketh away......... I...

Ebay giveth and Ebay taketh away.........
I have a friend who brought a used impact wrench for a really good price on ebay that turned out to be DOA. It was from a guy that (as he found out later)...
Forum: Life after FIRE 02-20-2015, 02:17 PM
Replies: 12
Views: 3,326
Posted By almost_there
To the OP. I don't know what you are looking for...

To the OP. I don't know what you are looking for in terms of housing but there are quite a few new developments in the area. Some of the newest are in East Bradenton/Lakewood Ranch. For instance,...
Forum: FIRE and Money 02-20-2015, 11:55 AM
Replies: 19
Views: 2,232
Posted By almost_there
The pension is non-COLA. I am 60 and wife is 58....

The pension is non-COLA. I am 60 and wife is 58. The wife gets 50% of the pension amount if I die first. I do not have the lump-sum offer yet. We were informed last year that it would be offered this...
Showing results 1 to 25 of 41

 
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