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Nice to see a few familiar names still around. Retired in 2013 and life since then has been full. Upgraded from a truck camper to a smallish travel trailer with a garage for all the toys and seeing the country. Currently out traveling among state parks waiting for the fall colors to arrive. If...

Have never been to the Seattle area, and we're mostly the outdoor nature type. Though we'd like to spend a couple of days in the city, mostly traveling around the outlying areas along the coast and any parks/wilderness areas. We pretty much want to be out of the area before Memorial Day...

Gail and Jerry Sent from my iPad using Early Retirement Forum

I'm helping my 25 year old son get started in investing. I didn't use a personal IRA, only 457 tax deferred contributions, so I don't know if a contribution into a personal IRA or 401 account affects how much one can legally contribute into the other? I want to get it straight before I talk to...

5 Compelling Reasons Never to Retire - DailyFinance Wonder about his author's motivation, that he would spend time convincing others to work until they die... Didn't want to sign up for an AOL password just to ask.

My sons pretty good financially, but got caught up in a membership with a personal trainer. There was a month cancellation policy - he could cancel in the first 30 days - but he somehow messed and missed the deadline. Now he's stuck with a one year contract he can't afford. Any...

Humorous article on baby boomers published in AARP http://www.aarp.org/politics-society/history/info-11-2013/wealthy-educated-spoiled-baby-boomers.html

Both Walmart and a Target are buying back old iPads with an in store gift certificate. I received $200 for my dying iPad 1, and used it for the purchase of an iPad Air. Just for info.

... Unless I'm watching the sunrise from my campsite. Odd, I'm really not feeling anything. No joy, no trepidation: just another day except I'm not really doing anything. I thought I'd be happy or nervous or something. Not even impatient for the workday to end. Guess I'm just...

Next year we plan to start our withdrawel phase. AA is 60s/35b/5mm. VG mutual funds. I had planned to make an annual 2% withdrawel, and budget the money out over the year. DW wonders if we have the discipline to eek that money out over a one year period, and wonders if we should make...

Backgound: I'm retiring June 1. My wife and have pensions to cover our basic needs. Currently have about 275k in Vangaurd with an AA of 60 stock and 40 bonds: an allocation I would like to maintain. Another 625k in stable employee accounts (principle protected/tax deferred) which are earning...

My wife has a 403b annuity we need to keep for another couple years. (She's retired, I will be shortly). In the overall allocation, how should I classify it - cash or 'bond'? I've been pretty much ignoring it for allocation purposes, but I'm curious as to the proper way of icluding it in an...

I'm not asking advice, just want to know what's possible when using a discount brokerage. Are all funds available, irregardless if the money used is taxable or tax exempt? For example, if I have an IRA account, a taxable account, and tax deferred money from a third source, could I set up the...

These appear to be relatively new. Has anyone had experience with them? Seems an easy way to receive a pre-determined payout. I'm concerned about the possibility of eating into capital.

DW has two non spousal IRAs: 50k and 150k. RMDs required starting now lol. We are considering putting the largest I to VWIAX (70/30 high dividends) and balancing to a 50/50 by putting the small IRA into a total stock fund. I thought the more stable bond heavy fund would be a better choice...

I admit I'm concerned about taking the plunge into investing, but have about 200k in inherited (non-spousal) IRAs and 172k in cash currently in a PNC 'Investment Account'. I retire in a year where there is about 560k in tax deferred accounts to deal with - but not until then. Vanguard has a...

1. Is there any value, in your opinion, to diversifying between two different fund families: such as opening accounts with both Vanguard and Fidelity, then running similar portfolios with both? A risk reduction? 2. Just checking to see if I have a handle on basic reallocation: suppose I plan...

I suppose the basic question is if I can use funds in a TD account to set up a portfolio of index funds? (457, 403b, 401k). I realize anything in a TD fund wil be taxed as income upon withdrawal, and there's a tax advantage to to using taxable funds to generate capital gains. Most of my...

DW is in the midst of getting an inheritance which includes IRAs, annuities and stocks/bonds (unknown composition at the moment). She may have to sell some assets to pay the estate tax. It is also unknown which of the assets may be tax deferred and/or which ones may be taxable. 1. If assets...

DW is currently dealing with a PNC bank financial adviser reference inheriting her mothers portfolio. DW handled her moms assets for the past few years, but did not choose the adviser, nor does she understand how he is compensated. He is helping set up benefit accounts and bank accounts for the...

Hit the 'save' button before finishing the thread title :rolleyes: And old link directed me to an online book "Investment Strategies for the 21st Century" by Frank Armstrong. An excellent read for a newbie like myself. The book was published in the mid-90s, and offered proofs based on 20...

DW and I are both retiring at 57: she, this June, and I in January. We enjoy our Class B camper van, and riding our recumbent bicycles around the country. We plan to spend a great deal of time travelling next year, and photographing the country. I enjoy writing, as well. I have a lot to learn...