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I have some Pen Fed CDs maturing. I met with Fidelity a few months ago and was told I would get a bonus for opening a new account. Up to $2500 for $1,000,000. Today when I went to open an account, I was told they now only give bonuses for a minimum of $1,000,000. Nothing for $500,000. Other...

NFCU just announced a 5 yr CD with up to 3.15% with balances $250k and above. Trying to determine the penalty for early withdrawal. This might be a good replacement for Pen Fed's 5 yr 3% - but mine don't mature until December. Maybe even better rates by then. Sent from my KFTHWA using Tapatalk HD

I am so confused by spousal filing, even after reading up on the latest changes. One thing I'm unsure about is if I plan on taking my SS at age 66 1/2 PIA (current age is 60) what options does my DH (who is six years younger and lower earner) have? My PIA is $2730 His PIA approx $1500 I think...

I was using the Bedrock Capital Social Security calculator that someone posted on another thread. I noticed that with the different options, that it didn't offer an option for the spouse (who is the lesser earning spouse with less Social Security benefits) to take what it equates to one half of...

I visited a credit union this week that has a CD with a decent EWP for IRA monies. I have my traditional IRA Invested at Vanguard (I am retired and no longer contributing) and have some uninvestd cash in that IRA account that I would like to transfer to this credit union's IRA CDs. The rep...

I'm curious as to what others think about this. Recently CPA filed our taxes. We are retired. We had applied our 2014 state refund to 2015 ($2300) and also paid an estimated state tax payment of $3000 towards 2015 taxes. It turns out that we ended up moving from that state early in the year and...

Recently retired in our 50's with no pension. Monthly income from rental home and waiting until at least 66, if not 70 for SS. Very conservative portfolio, equities are all Vanguard Total Stock Market. My fixed income is mostly in CDs. I would like to increase my equity allocation (30/60/10)...

A presidential candidate [mod edit] just told Neil Cavuto in an interview that his plan for Social Security is to gradually over two years increase the retirement age by two years. He also mentioned that he felt retirees with $3M or more and/or receiving more than $200,000 yearly in retirement...

When I charge something on my credit card, it seems that Mint immediately picks up that charge and adds that charge against the budget? The credit card account is tracked in Mint. The bank just took the monthly payment out of my checking account and Mint has added it against the budget...

I have recently retired, fairly risk averse and have heavy cash/cd portfolio. I have some equity funds at Vanguard as well as our IRAs which are still in "cash" since they were recently rolled over from a 401(k) . We've recently moved to an area with a local Fidelity office. I like to be...

Does anyone use any type of a road trip planner or app? We are planning a trip and I would like an application that will make it easier to split the trip into driving hours, finding hotels, points of interest, restaurants, etc. Now I know I can do this all manually. I do use Trip Adviser a...

DH and I recently retired, no pensions and 12/15 years until social security. Spending down taxable. I have mainly Vanguard Total Stock Mkt Admiral funds as equity and CDs, bonds, etc. I need to purchase more equities for our A/A and I like the idea of getting dividends. I'm fairly risk...

I have what is probably a silly question . I've been sitting on cash from a home sale and just retired a few months ago. So overly heavy in cash. I decided to go ahead and purchase through Vanguard more total Stock market Index today. I did this via computer about 3:30 PM today . It is still...

My DH and I are recently retired this year. Ages 58 and 52. We basically have no income until we take social security, which we will be taking as late as possible. This will use up quite a bit of our savings until we get to Social Security, but I'm still worried but long-term care. DH has...

Hi everyone, It has been a few months since we sold the business and retired - still getting used to things although I cannot for the life of me figure out how I ever had time to work. Lol I'm trying to budget and plan for when to take social security and how much it will be. If I were to...

DH and I just retired. We both have $250k term policies and I always assumed once we retired, I should cancel them. We probably will have approx. $2.5M nest egg when all is said and done. The recurring monthly charges seem silly - DH is 50 and premium is $164 mo. Not sure what mine is but we...

Need advice regarding old Ameriprise annuity. My wonderful (not really) CPA referred me to an Amerprise advisor. Due to my total ignorance, he sold me some type of annuity for around $200,000 back in 2003. It was the RiverSource Retirement Advisor Advantage Variable Annuity.. It is in an...

Temporary glitch I guess. Now seems to be working! Phewww! LOL

Hello all, I posted some time ago regarding my hope that the sale of my business would happen and we are just about there. All papers signed on Friday and the funding from the bank is wired tomorrow and once that happens, I'm officially retired. (Trying not to think about the things that could...

I'm trying to get my head around Social Security and all of the different options. I'm hoping if I can put some basic information, someone who has a better grasp on it, can provide some insight. Me - 57 DH - 51 There is hope that we can retire in the next year or two. No pensions. Very...

I've seen alot of references to different softwares or products for projections and/or calculations and alot of it is confusing for this "non-numbers" person. Can I get recommendations on some resources to: 1) calculate what taxes are likely to be in retirement (I know rates change yearly) I...

I may soon have about $1,500,000 to invest in CD's for my early retirement (in addition to liquid emergency and immediate living costs and a small percentage in stock index funds. The plan is for retirement in 2014. My issue is that the online cd laddering calculators that I have found ALL...

I like to use different calculators but have a question about ORP. When I put in my factors, I put in taxable and tax deferred, along with my social security. When it prints out, it shows Roth IRA withdrawals starting at age 57, - but I don't have Roth IRAs. So, is it telling me to convert to...

Wow, I've learned alot about bonds from my other question - thank you everyone! If you guys were in my shoes with approximately $2M that needed to last you for 30 years (I will be 57 in a couple months and retiring), what would you do as a very conservative strategy? We will both retire...

I know there is not alot of love for Suze here but Im confused as bond funds were going to be my go to conservative investment. She didnt elaborate, but said no bond funds. Can someone explain this? I guess she is anticipating change in interest rates? Deb