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I understand the purpose of the ads and they really do not bother me. It just confused me when they were in Chinese. Somebody's marketing algorithms need to be adjusted if they think I can read Chinese... (LOL)... Question Dropped...

Am I the only one seeing them?

With the introduction of the use of Chained / Limited CPI in at least Government paid benefits, whether paid through pensions, SS, disability, etc. - the shortfall in these incomes will become greater and greater with time and it will put an ever increasing demand on your portfolio - this is why...

I continually see discussions about 95% or 100% and inflation rates that are common, but I have never seen a discussion about inflating portfolio withdrawals without or with covering the shortages in pensions or SS. I also am not sure how Firecalc or Fidelity handles it with their tools, but...

Not sure if this is new or if everyone is seeing it or not, but - Why are some of the ads on the Forum in Chinese (could be Japanese)?

Just wondering how everyone who has pensions and or SS, but also draws down on a portfolios handles this... Since your pension and or SS inflates at CPI (some pensions are not inflated), but you want a flat rate (let's say 3%) - do you withdraw from your portfolio to make up the difference or...

Just finished some fresh Blueberry Tarts that my wife made up this afternoon...

Yep, that is about the best method. You will get predominately ripe berries that way. If the skin is to soft then they are over ripe and either should be avoided or consumed immediately (your preference)... In our area it can cost $7 - $9 for a gallon. The place we go you get 5 quarts if you...

We pick them every year plus others. It is more about the family outing than saving money, but having fresh berries year round is great. Blueberry pancakes any time we want is a plus also...

I wonder if a down sizing assistance group could make a living off of helping people through the process?

Unless you (a home based trader) are paying for news feeds - there is a lot of news releases you will never see or it will be so delayed (days later) that it will be useless by the time you see it and if you buy on it then you are just throwing profit at everyone else to sell on... Even if you...

A vacation - whether it is for a few weeks or even a few months is not enough to know if you could really live some where (permanently that is). I have spent almost a third of my life in Asia. As I entered semi retirement mode we started staying 3 months a year in the Philippines. Now that we...

Work is the main avenue that he uses to appreciate life - he really knows nothing else and will continue till he no longer can. What I have tried to introduce to him is the appreciation of things beyond work... He is truly happy the way his life is... and for that I cannot fault him...

I never calculated a percentage to what I saved - I saved all I could and hoped it would be enough. Through the years I had to tap it a few times, tut never to the point that I exceeded what I put in - I guess you could say that in those years I tried to save more than I could afford. That is...

I had never calculated my SWR rate, but kept seeing threads and advice on it so I took the time to do it and I am at 2.4%. I have always just used expenses, income expected (growth of both) and seen how long my portfolio would last - once it passed 90 I felt safer (that is when I went into Semi...

Congrats - you earned it...

There was a period of time in my life that I thought 60 hour weeks were getting time off and that sleeping over 5 hours in a night was a waste, but that is also what drove me to get out of that rat race. I had a boss once that thought anything over 4 hours sleep was a waste - he is still...

My wife loves Win8 from her testing in the stores and wants it on her laptop - Me - I am happy where I am and will upgrade when I buy my next laptop - 4 or 5 years from now...

They must not want to make it to hard for them (LOL)... In my last job I had access to 17 different systems - each with its own password and each of those had to be at least 12 - 16 characters long. Most people cannot remember monstrous passwords like that so they are forced to write them down...

Should you admit on an open forum that you still have leisure suits in your closet? Maybe there is demand for them on Ebay...

I know a few people that after retirement started picking up on conspiracy theories - they did not follow them prior to retirement. One that I have known for over 20 years is pressing our friendship with the depth that he is taking with following and being so out spoken with the topic. He...

I had not given this a thought yet, maybe I should. It would be about half of my closet space. Hmmm, then maybe I could find what I am looking for!!!

A while back we sold our RV (someone offered me what I paid for it after my 3 years of use) and are looking at replacing it. We want to move up this next time (still contemplating what we call moving up), but shopping around for the best bang for the buck while we decide... We are also looking...

I have used that one, because in a way it was true or at least it led me to decide to go for it... since I knew I could. I just get tired of the people that automatically figure you are rich or you won the lottery or something - never considering you worked, saved and developed a plan a long...

Something like that, but it is also the desire to leave a big chunk to his children some day. This is the part that I do not totally understand. He sent all of them to college and they are all professionals so should have no problem surviving without Mom and Dad's support...