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I’m 53 and thinking to retire in 2-3 years. No employer insurance. How to budget for medical expenses (premiums and deductibles) until Medicare kicks in? What if ACA goes away?

Need help with this: my total non-retirement savings is currently allocated to 53% US stocks (VTI) and 18% of US bonds (the rest is 14% REIT, 7% gold and 7% of all world stocks). I know I am too heavy on stocks and not enough into bonds for my risk preference. I would ideally like to be 30%...

hi everyone, sorry if a related question has been asked I need to figure out how to invest money for my kid's private school. I need to pay 22K for 6 years, starting 1 year from now (I just made the first payment). I have the money - some in cash and some in various mutual funds (like...

What is the best way to invest for private school? I just sold a house and cashed in on 140K, I need to pay 20K for the next 7 years starting next august (2015). What is a reasonable way to invest this, so I can withdraw 20K every year, plus have some growth to allow for inflation of tuition...

I need a reality check on my plan. My plan is this – I have a portfolio that would allow me to maintain the current level of expenses at about 5% withdrawal rate. I know 5% is quite high, especially in light of the recent discussion on the 4% thread, but I only need it to last 20 years because...

Did anyone o fyou out there retired (or plan to retire) in Hawaii on a budget? and if so - what is your budget (as detailed as possible). The winter is only starting on the east coast but I am already tired of it. So I keep myself occupied by dreaming of retiring to hawaii, but not sure we...

I am reading Swedroe's book on "The only guide to alternative investments you ever need" and he makes a point that commodities offer good diversification benefit (i.e. can reduce risk without lowering overall return, and perhaps even raising the return some). Do people here hold commodities...

I am making up my conservative AA and exploring permanent portfolio as someone has recommended to me. Do you hold a permanent portfolio PRPFX as part of your AA? if not - why not? if yes - what % of total AA is it? if you were to buy it now - would you? it has a high percent in gold and...

Have any of you looked into market-linked CD products? like this one. http://www.fisn.com/resources/pdf/HSBC%20Bank%20Golbal%20Equity%20index%20Basket%20Qt%20Av%20Min%20MLD%206Yrs%2005-25-10.pdf You get some participation in the index - in this case they take quarterly average value of the...

HI, Here are some details about me. About 40 y.o. now, want to retire in 2 years or so, which gets me to qualify for my employer pension which I plan on starting at 60. So basically I need income for 18 years (assuming retiring at 42 and starting pension at 60, the pension is with COLA and will...