Recent content by QG67PK00

I bought a 6% Agency Bond in October but it was callable in April. It got called. The bond you are looking at is a pretty good one, it is like a 5 year CD with 5% paid every 6 months, there is no compounding of interest. If interest rates drop (very likely in the next 5 years), the bond will...

I have Xfinity Cable Internet connection at home and I measure ~800Mbps download speed. I pay around $90 per month.

My phone is set to ring only if the caller is from my contact list. All other calls go to voicemail. If there is a genuine person trying to reach me, he/she will leave a voicemail. I have not picked up a scam call since I made this change.

Family of 4 adults, I spent on the average $600 per month on groceries, not including non food items. I live in SF Bay Area. Does not include restaurants and delivered food.

To avoid getting pushed into Medicaid (depending on the state), you might want to keep your income closer to 30K or higher. For example in California in 2024, the income limit for Medicaid (called Medi-Cal in California) is $27200 (138% of the Federal poverty line). For income, you can include...

I used TaxAct for over 20 years, before switching over to FreeTaxUSA for TY2022. TaxAct became a bit expensive close to $80, whereas FreeTaxUSA federal filing is free, and state filing is $14.99. The user interface is pretty good and it handled Roth conversions, rental income, rental...

Our annual expenses are around 100k, and we also get dividends of around 30k, so net expenses are closer to 70-75K. FireCalc and other online tools showed >95% chance of success.

Hello Folks, I would like to share my early retirement story and get your comments and feedback on our plan. We took early retirement this year. We are in our early fifties. We were both employed in the tech industry in the Bay area, California. We have been fortunate to have good...