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SECURE Act Looks like this one is just whizzing its way on through the House and Senate, although it's still pending: https://www.bankrate.com/retirement/how-secure-act-could-impact-retirement-savings/ I'm wondering how people would get around the 10 year deadline on inherited IRAs; not bad...

I've changed state residency several times and used the dates I moved in; no one ever checked or asked about anything. The only state I am leery of is VA - they're pretty aggressive about collecting taxes.

I was waiting for my renter to move out of my condo so found a cheap place to stay for a month and a half in the meantime in Bocas del Toro, Panama, and took Spanish classes to keep me busy while I was there. Then went on my first cruise ever, as my retirement present, then came home and moved...

Interstellar Contact Star Trek IV (the whales!) Prometheus Both versions of The Day The Earth Stood Still Firefly / Serenity FarScape I'm better with the books though... Didn't think any of the Dune movies did the book justice. I've heard rumors of Zelazny's "Princes of Amber" series becoming...

I'm FIREd now but had a job that had me living overseas with a new country every other year or so, so think I was fortunate to have a job with variety and lots of travel. I love the 'move onto a sailboat and learn to sail' idea though! Have been considering it for a while but I'm worried it...

I keep about 5% of my total funds in a ROTH IRA as an emergency fund (in case of large expenditures where avoiding the tax bill is paramount), and about 5% in cash in a high-interest money market account. (The amount wasn't deliberate - it was how much got deposited between "oh, hey, ROTHs!" and...

I think you'd have to do an anonymous, totally private, survey to find out. People don't like to be around anyone who's being 'down' (note all the advice out there to 'surround yourself with positive people' and 'avoid negative energy'!) so I think a lot of people just learn to keep it to...

I bank at USAA and use their credit card for most purchases. It's cash back and then I go online and transfer the money from checking to the card to keep it paid off. That was all I used for years, then broke down and got the Amazon card for 5% back on all my Amazon purchases. I recently added...

Lots of good advice! I'm still all for ghosting if you want to end this relationship and it really sounds like you should. Ready-4-ER has a very good point about it affecting your main relationship and making your husband uncomfortable enough to leave the room. Your friend telling you he'd want...

I thought I’d move to FL - warm weather and no taxes - but after visiting this summer and not enjoying the humidity, then coming back to Hawaii with trade winds blowing and the beautiful mountains.... FL really moved down on the list. And now I’ve just ordered Kalua pork and chocolate/coconut...

I’d lean toward ghosting but let the husband guide since he might have a more objective view. Or, my preference: the “3 strikes and you’re out” rule....

I had problems with the downloaded PIA calculator. The online Retirement Estimator - using $0 as my income last year so it uses 0 for the remaining years - works ok but seems to have a different answer every time I've tried it. Since the numbers show a slight upward creep though (COLA?) I just...

I was thinking Naples, Sarasota/Bradenton or St Petersburg. I love the Keys but home prices are too high for me, flood insurance is outrageous, evacuations on a single 2-lane road happen, and storms are expected to get worse... Nice place to visit though!

This thread IS enlightening! I don't like cold, icy weather, snow or endless gray, cloudy days; NM desert looks nice but not sure what I'd do out there; FL is one of my top choices for possible future retirement homes because I like to scuba dive and sail. And it doesn't have state tax. So...

I had no way to estimate how much I'd spend since I've been living overseas for years, and frankly I've been somewhat awed at how much I can spend in retirement without even trying (and a condo too small to add more Stuff). Fortunately my budget covers it and my former employers have a program...

Not so much! I just spent two weeks in FL looking at 55+ communities - the humidity was nasty! Back in Honolulu now and appreciating the cooler weather (DC was 100+ when I was there) and trade winds. I may have to see if I can just buy another condo here...

As a long time sys admin, I don't store anything private on the cloud, ever. On the other hand, I'm no longer enthused about spending my spare time working on computers at home either, and since I travel a lot and don't want to carry more than a mid-size laptop, RAID/NAS/etc are inconvenient...

Still looking! Moved constantly all my life and didn't have a home state to go to when I retired so I went with 'warm, beautiful, scuba diving friendly, tax-friendly, with big city nearby' and ended up in Hawaii. HOA fees went out of control so now I'm selling and pondering where to try next...

My parents had had their IRA set up in UITs for years, with this adviser. I didn't try to change it because none of them were maturing at the time and, I had to look up UITs! I can go online to see what they're invested in but the fees are not transparent. At the maturation date, I can see what...

Thanks! And no problem if you speak NO Vietnamese??

I think she's doing well, although I guess it could be just the market, but I thought I'd ask: I inherited an IRA in 2016 of $188k. It came with a financial adviser and I left the funds there because the thought of pulling money out of a lot of different UITs with assorted maturation dates and...

Did you fly or take local buses when traveling Vietnam? I'm considering it but SWF here so not sure if I'd be comfortable or not. If you didn't have DH along, would you be fine with solo travel there? I'll be working in India for a few months so I guess I'll get to find out the easy way there!

I’m not looking for a partner but was wondering about the social scene. I’m older and retired too, it not especially outgoing. I do like Honolulu but leery of buying another condo. Thanks

Would you recommend Kona for single female? I'm leaving Honozoolu and moving on but was considering the Big Island - it just seemed like it'd be a lot better with a gregarious partner to meet people! Plus was wondering if all the docs you need are there, or in Hilo, or fly to HNL?