Recent content by willift

2 Cruise Lines Similar Names American Queen Steamboat Company and American Cruise Lines are different Companies. American Queen has 3 Riverboats; "American Queen", "American Empress" and "American Duchess" American Cruise Line has both Paddlewheel River Boats and "Cabin Cruiser" type boats...

American Queen Streamboat Company We've cruised on the American Queen a number of times and love it. The Rivers (Mississippi, Ohio, & Cumberland) were all more scenic than I had expected. The accommodations, service and food/wine were every bit as good as the Viking European experience. There...

+1 on the RMD issue. All else being equal I'd want the oldest person's IRA reduced, before RMD force tax consequences you might not like.

I don't have a problem turning my back on the NonTraded REITS. What I'm not getting is the issue about drawing $$ out of Bucket 3 to cover annual living expenses. It seems to me most people imply that they are just letting bucket 3 grow thru good times and bad and by the time it's needed then...

REITS in Bucket 3 I just finished reading Lucia (probably skimmed it more than totally digested it). But I'm confused about one issue that I don't really see addressed here. Non Traded REITS His plan seemed to call for using the quarterly distributions from the REITS in Bucket 3A to fund the...

I quess I was being conservative on the 2nd SS. If the bride dies before I'm 62 I'd look at spousal benefits until I was 70. If things go as planned and she's still around then that would be $$ we could look at. Anyway from this point we'll need 32K approx. You kinda lost me on the need for the CD

That's total return. How would I go about figuring what the return is if I took the dividends as income annually? I'm thinking even in negative return years it still is producing dividend ie. my quarterly spending $$. If the return in positive years keeps my orginal principle intact I think I...

Extra 100K I thought we'd keep that as emergency $$. Filling in the gaps to avoid taxes, maybe avoid SS from entering into taxable area. Maybe for occasional large expenses Cars, Major Home Repair.

Who's Unclemick or Where's Unclemick Yea that's probably one of the types of funds I see making this thought process work. What's the back story on this fund? Is is the type of fund that get's bashed? BTW I know this stuff is all one man's opinion so I won't take any of it as pure gospel...

Clarification Thanks for your input and sorry for the confusion. The 600K I'm thinking of something in a Mutual Fund that more than likely would be conservative in nature and mostly bonds. A quick Morningstar search brought up American Beacon Retire Inc & Apprec Inv AANPX (purely an example...

32k net The 32K is total needed including income taxes after SS. I'm 55 she's 66 already drawing her SS. I've included medical expenses in the 32K.

Looking for a little help on our retirement drawdown plan. We’ve been going through the accumulation phase, for the most part lock into the company provided 401K selections. Between the both of us we’ve saved about 1.1 million, combined in taxed deferred 401K & tax free ROTHS. We need about...