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I’ve played with a few AI pictures generators and search assistants but finally saw one in the wild. Moved a phone to V’s’ble cellular this week and it didn’t work. Going through the app we found the trouble shooting chat bot that Visible calls ConnAI and claims to be AI. It was more a phone...

Retired in 2013 at 54. Moved all but 4.5% times 5 years from 401k funds to IRA. So 4.5% WR but no inflation added. 2018 turned 60 and started my small SS Survivor benefit. Moved to ACA as the megacorp benefit got too expensive. Planned on a WR of IRA minus what my age 70 SS over 10 years times...

Getting that feeling in my gut again. The S&P just feels to frothy so I’m “Aggressively Rebalancing” and pulling all 2024 spending from equities this week. No math. No expert recommendations. No Technicals. Just gut feeling. Not really a large enough amount to make any difference really...

Traveling to New Orleans for a few days. Any recommendations for a must do tour or must try restaurants?

Today is the 10 year anniversary of my retirement. It’s gone by so fast!

Life expectancy dropped another 7 months this year. That decrease follows an already*big decline*of 1.8 years in 2020. As a result, the expected life span of someone born in the U.S. is now 76.4 years — the shortest it has been in nearly two decades...

Anyone else get their college start at Community Colleges? I was an unmotivated high school student and parents never offered any college help or advice. After not finding any good employment here for a few years I escorted DGF to her registration day at the local CC. While there I filled the...

Anyone replace their wired internet service for 5G home internet? Any issues?

I was wondering how much food the US government stockpiles and was surprised (shocked) at how small it is. Wheat reserves are less than a month and earmarked for foreign disasters. Looks like it maxed out at around 9 months worth back in 1978 and is no longer a priority. I never stockpiled...

The concepts are pretty simple, but the execution sure is difficult. Bill Bengen just a year or so ago retired with a 5% WDR and a balanced portfolio. He's abandoned that position already. https://www.wsj.com/articles/retirement-planning-four-percent-rule-bengen-investment-11650923000 One of my...

DM is finally doing a will. The attorney has us leaning to a revocable trust as the money would flow to the 3 children. All the money is held in a savings bank. No real estate involved. It seems the trust just helps avoid probate. Would having the bank accounts set with 3 beneficiaries listed...

A question for all the smart folks here. I started ACA this year to get me through the next 3 years but unfortunately over 90% of my funds are in an IRA. I want to gift my daughter around $60k for a house purchase. My regular brokerage account has a mutual fund purchased at $30k now worth $60k...

Not sure how but last week I had to log back in to this site on my phone using the app. Ever since I've been having "Sent from my LM-Q850 using Early Retirement Forum mobile app" appended to my posts. How can I turn this off? Sent from my LM-Q850 using Early Retirement Forum mobile app

Anyone else enjoying the Tour this year? Hadn't been watching the last few years. The doping scandles and lack of good American riders had me lose interest. But this is a heck of a race year. Mark Cavendish has tied Eddy Merckx' stage win record - once thought unbreakable! This Pogacar kid is we...

Best sporting time of the year is here. The women's conference tournaments start this week. I'm an ACC fan and am thinking we will see Louisville vs. NC State in the conference finals. Some great players on both teams. Or maybe my Orangewomen will put together a great streak. Who else will be...

https://www.yahoo.com/gma/cloris-leachman-oscar-winner-star-221100121.html We lost another great one.

Haven't seen one of these. We started the year at 3756. Where do you predict we will end at? Spin the wheel, make your guesses. I'm going with 3568 or down 5% after weeks of studying the chicken entrails I've left scattered in the backyard. I'm also guessing with a much higher degree of...

So many RIP threads. How about a happy birthday one. https://www.imdb.com/title/tt8780234/ Nice biography and only an hour long. Enjoyed her work from Password to Hot in Cleveland.

My health insurance premium cost to me is up 15% for 2021. Since former megacorp subsidises a chunk I can't tell what the actual increase was. Honestly was expecting a higher increase due to Covid. How did your rates fair?

So I reviewed my retirement investment plan this week and am wondering if it still valid as a few actions should be made now. Plan says stay 60/40 and rebalance at 55 or 65. Bonds are to transition to 5 year treasuries or an intermediate treasury fund (FUAMX). I'm now at 66/34 and a rung of the...

I'm applying for a HELOC for the first time. Any suggestions on what to look out for? Will it effect my credit rating?

Was looking at hearing aids online and decided I'll probably go with Costco, but then was blitzed with ads for cheap hearing aids. One reason I've put off getting an aid is that I would hate to spend a couple thousand bucks and then find I don't like wearing it. So I figured what the heck and...

After seven and a half years of retirement, I am no longer an early retire. I turned 62 yesterday. That was my and DW's [RIP] expected retirement date. Now I'm just FIR.

I was in my Fidelity account today so decided to transfer October and November $$ out of the MM fund into checking. Posted it into my spreadsheet and noticed this should have been May/June money. A tax bill is pending so im figuring I'm running at a bit less than 2/3 of planned spending and just...

Have you been tested? How was the experience? DGF had surgery and her doctor thought it would be a good idea if I had a Covid test. Two weeks ago I called the local hot line, they sent me to a drive through that afternoon. Showed a nurse my driver's license and insurance card by holding them up...