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DH and I purchased a home with a cash offer. Due to recent market downturn and a personal emergency expense, we need an additional $100,000. I thought I could take that from my Roth and return the funds within the 60 day window - AFTER the new year. Closing date has now been moved up to Nov. 2...

My DH RE'd last year at 60 to help me take care of his parents. It became too much for one person to handle with them both in and out of hospitals and rehabs often at the same time (I have lupus so am limited physically). They're in their 90s, very frail and needy but have been able to live...

DH has rollover IRA at VG that's exceeded the $500K limit by a fair amount. Can it be split somehow into 2 separate accounts so as to have full coverage? I have heard they have 'additional' insurance through Lloyds but I'm not clear on just what that is. Am I worried about nothing? I'd call...

Dividend payout of 9.9%. Too good to be true? Thoughts please. Sent from my iPad using Early Retirement Forum

Yes, it's about 'when' <ducking>. Before I became a SAHM, I worked enough to get a small SS benefit. My DH is the main earner and my spousal (half of his) benefit will be greater. I've heard that I can take my small SS at 62 and switch to get the full spousal benefit at our FRA (we're close in...

The post in another thread made me aware that there are some sailors on this forum who might be able to advise re: a Lagoon 500 cat to charter (bareboat) on a one-way from St. Vincent to Grenada next Feb-Mar. No luck so far trying the usual charters (Moorings, TMM, etc). Also, does anyone...

Newbie question here: what constitutes the "means" that might/probably will be tested? Don't want to start an argument about whether it will or won't be; just a likely definition please.

I've been lurking for months, posting a few times, and thought I should say "Hello". DH (IT nerd) and I (SAHM/'on-call caregiver' to elderly in-laws) are both 56yo and living in Michigan. Our plan was to retire as soon as FI'ed (about 5 yrs or so). Well, due to circumstances (i.e. "life")...

My DH just ER'ed and will be receiving a lump sum benefit. Although we have our AA pretty much set, I've been wondering if it shouldn't be rolled into a new brokerage. My late father always said to "never put all the eggs in one basket" but when he died, it was an ordeal gathering all his eggs...

Since I'm about to ask yet another boring, overdone SS question, I thought putting "wine" in the title might get a little attention :). I'm a bit older than DH and have been a SAHM for years. I DO have enough credits to collect about $500/month (= wine budget; see - there is a connection) at age...