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Thank you. We need to do that.

Found this website. You could put in your name and birth year, It will show what information is available on line. I was totally surprised to see address and phone # of 40 years ago. Many have our SSN too. It is SCARY!!! https://pentester.com/

How do you freeze your credit? Do you just call the three credit companies? I am now so afraid of giving my SSN on a phone call.

We received a letter from Change healthcare (CHC) telling us there was major data breach. All our personal information including SSN and driver's license have been taken by the bad guys. It happens that I have been getting calls from a phone company saying I applied for a phone number. And...

The question is balancing optimal Roth conversation amount and lowest ACA cost. Is there a software we could purchase to do this? Or we need to get professional help. If we do, who do you call? I did a quick google search and could not find CPA with a retirement tax planning as a major...

To me, not losing what we have had is the #1 goal. And the portfolio could generate cash flow to fund living expenses is the icing on the cake. The growth would be nice but high growth = high risk. With that thinking, I have actually shifted a significant portion to CDs, high yield money...

Since early 2010s, I have been heavily investing in the income generating stocks and EFTs. Two of the better performance ones are ABBV and MO. With dividends reinvested, they are all around 450% ROI. My portfolio is generating at least $80k a year on dividends and interests. DW, on the...

My taxable are accounts I will have to pay tax to withdraw. Non taxable are those I could use without paying additional tax. Are we talking about the same thing?

The worry of running out of $.

Well, Taxable and Roth accounts have mostly stocks. The non-taxable are CD, annuity, high yield money market, and basic checking & savings. The taxable are from my 401Ks. In earlier years, we could only afford to save in 401K. Later on in my career, we probably save more after tax $ than...

The current business situation is not very good. The company is cutting costs and putting pressure on each of us to generate more revenues. It is not fun any more. One question I keep asking in my head: how do you know you have enough to pull the trigger? Saw so many youtubers claim to be ok...

we are 60% taxable, 10% Roth, and 30% non-taxable. I am in the camp that once you won the game, keep what we have is more important than seeking higher gains. So we are 50% cash and 5% bonds and 45% stocks. Of course, the cash are in CD and high yield money market earning >5%.

I would measure the temperature at different spots of the house. Ours is a medium size house with about 3500 sq Ft. the downstairs is always good. There is one area the far away from the A/C blower upstairs will be 4 degrees higher than the set point. the rest of upstairs are fine.

We recently did a 3+ hour domestic flight and booked first class tickets. The basic fare would be about $250 and the first class costed about $750 each. The pluses are that you get on first and have plenty space for your carry-on. Nice in flight hot meals and extra leg room. On the other...

Our Cd, high yield money market and index linked annuities are about 1.2 million. Yes, we are in the preservation mode instead of seeking high growth. Keep working for another 4 ~ 5 years to make sure we have enough to retire comfortably.

We are actually in one of those difficult situation - over 90 years old family member without any resources and does not speak much English. Will not be able to afford assistant living and probably could not survive without the way to communicate. So we stay home.

the manual says changing spark plugs every 50K miles. We only drive 5 to 7 k miles a year. really not notice any performance difference.

I am really struggling - no wanting to get up 7 am each morning and prepare to report out progress each week. but the $ into bank account each pay period is surely nice to have. The bonus is the ability and excuse to get out of the house every week. How do I get to the balance?!!

Good news on this front. I am getting a company car. Better news is that an executive is relocating and I will get the car at several level higher than my pay grade. Not exactly the car I wanted but it will do since it costs me nothing.

Our car will alert us about the scheduled maintenance and we follow that most of the time. The next item is a spark plus replacement and the quote is $600 to $900 for 6 plugs. I am thinking of doing that myself. The plug is only at about $20 each on Amazon.

Again, we are talking about different thing here. When one passes the metal detector at the airport, the detector will make one sound to alert there is metal on the person. The other one special sound means "random selection". I don't think the random selection is triggered by a TSA person...

When I said "randomly selected", I meant the metal detector beeps. Even so I am 100% sure I don't have any metal on me. The detector would beep and the TSA person will said I was "randomly selected". I will have to pass the X-ray machine or have my hand swiped. If it happens once in a...

I have TSA precheck. However, I have been hit by the so call "random" select 8 out of last ten times. This last time I was behind a guy who was randomly selected. I was thinking, "there is no way it could happen twice in a row". But it did happen - randomly selected again. For me, a 80%...

Last one of these practice day. No more getting up whenever I want, no more wine or bourbon on lunch time, no more taking a walk whenever I want. As this day is rapidly approaching, I keep asking myself, why do I want to go back to work? As I was doing our YE summary, we have earned over...

Update: Looks like it will be 2026 as the earliest date to retire for me. Got an offer I could not refuse - not the $ but the nature of the job - at least 50% on the road. Glad to have found this site and got many great advices. I will be coming to visit when I have time. God bless you all...