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Heres whats up and how i think about it. Been acruing $ for a new roof. About 10k in that pot. To my surprise hail issues led my insurer to replace my roof. I only paid deductible and upgrade $ With that saved 10k we eye a master bath reno. Home built 2002. Upgrades bring better sales prices...

I understand a hardship exemption from obamacare enables folks over30 to shop for catastrophic coverage. I expect my 2017 premiums meet the criteria for hardship I find it strange how hard it is on line to connect with providers of such insurance Does anyone have experience with this? Can...

I know there are several threads and articles on the topic of how to optimize/strategize SS. I reach early SS eligibility this coming year so now I'm digging further into the details. Two point I'm unable to find clear info on: Once Ss commences cola is applied each year. However delaying...

I expect some folks here have thought this through. A debate exists about the advisability of holding a few years cash to weather down markets ( thereby failing to get returns on those funds in the market) OR to Let the money ride and take some lumps when having to sell in a down market -...

I'll be cashing out my lump sum pension sometime over the next year. Im thinking about diversifying beyond stocks & bonds. I know about REITs. However, is there a tax efficient way for an individual to use their pre-tax money to invest in individual investment/rental real estate opportunities...

In a recent thread a number of us stated the base assumtions we use for inlflation and nominal returns in our deterministic plan. In the past, Ive played with my plans sensitivity to inflation while holding real returns constant ( at 2.5%). I found that any change from my base assumption of...

I would appreciate the thoughts of all the savvy folks that hang around here. This feels like a big decision for me. After 33 years of service I’ve earned a pension from megacorp. Now I need to decide whether or not to pull the trigger on my retirement $ in 2011. Here's the deal... I ER’d...

See other post- sorry for the double posting.

Here's the deal. Retired in 2010. Sold our house up north in December. We are now staying with family in Florida until we select a town to settle in. I have hundreds of thousands in my bank account since my house sale. Credit rating is around 800. 14 years at last address. 33 years employment...

Using historical/"look back" versus "plan ahead" mode in the portfolio section produces very different results. The user guide states the following: "Plan Ahead" mode should be used in all retirement planning calculations. Why? Because, prior to1990, the average dividend yield was about 4.5%...

Context: I just took a package from megacorp, have salary continuance until early 2011 and will be taking my retirement funds as a lump sum sometime in 2011. I'll be drawing from taxable and 401K accounts until SS 6 years from now. I and/or DW will also seek some "low key" income prior to SS...

This might best be posted in the "life after" forum I donno. Its been over one year since I seriously considered "jumping out of the plane". The downsizing package offered in the fall of 2008 had me creating spreadsheets and thinking hard. When the economy crashed the opportunity I was about...

Ive been lurking for a while and really appreciate some of the info posted here by you folks. So, I just registered and this is my first post. I'm about to turn 56 and am probably submitting my application for "the package" at the megacorp that I've worked at for over 32 years. It hasnt been...