Recent content by tlg501

Try sleeping with a humidifier.

I am curious about real world early retiree experiences regarding pre-existing conditions for health insurance. For example, if you had asthma how long was the exclusion period and how much more were the premiums. I'm interested in all types of examples.

Is there anyway to transfer my Vanguard IRA monies into another IRA and buy TIPS directly? If so, how? Thanks, Terry

All, I have developed a excel spreadsheet that I hope others will find useful. It takes the following variables: yearly expenses 46000 (amount spent, the spreadsheet adjusts for taxes) starting amount 600000 (total of IRAs and Savings) interest rate 0.05 (user...

Nun- As I recall you don't have your money in a 457. If you were thinking of rolling 403b money into the 457 (which is allowed, I believe) I don't think the rolled-in money is treated the same as money that was originally contributed to the 457. I don't believe the rolled-in money can...

The attached Money article recommends about 50% in stocks at the start of retirement. I agree with that, but their methodology to arrive at that conclusion is confusing. Don't they leave out the possibility that you could be putting your money in stocks right before the market drops 50% like it...

For Money market fund Ing or CD would be Pen Fed,

I spent about 90 minutes playing with FE, most of it's monte carlo simulations are gibberish. I find it easier to make an assumption something like, inflation will be about 3% and my rate of return will be about 5% i.e. a low risk rate of return will be about 2% above inflation or slightly more...

I also put about 1% in this fund, it's my one truely speculative hunch,

For a little more diversification consider, a growth stock fund and for bonds consider a small percent in TIPS, I also added foreign bonds for more diversification.