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I manage my own investments and did not make any changes. Figured there might be an impact but never dreamed it would be like this. But would not have made changes anyway. Luckily we can ride this out for now as not taking withdrawals yet. The good news for all the FAs out there, they still get...

Our gym just told us yesterday they were closing the doors for now. I was there earlier in the day and took one of the disinfecting wipes to one of the barbell bars. It came back almost black. I picked up my towels that I had draped over the bench and left. That told me that they were not...

Not going to even going to look for a few months. Things change daily and I have no crystal ball. Nor does anyone else who might recommend me to do something. I rebalance once a year in January. No plans to do anything different this year.

While eligible for it, I am putting it off until I hot 70. Do not really feel like they will cut benefits for those very close to retirement. Believe it is our children and grandchildren that will see changes. Like push back early retirement age, full retirement age and income threshold where...

60/40 but do have a pension. But even if I did not, would still be 60/40...

In 2019 I was a genius. Just rode the stock market and realized some nice gains. But did retire early because I was an investor for many years. Just can't seem to impart that knowledge to my kids...

Just had to explain that concept to my granddaughter yesterday. She really likes the idea of getting paid to do nothing. Not sure she got that I worked over 40 years to earn my 2 pension checks ;) Unfortunately, fewer companies offer a traditional pension any more so she may never get that...

Luckily I play tennis and found a couple of groups of other retired guys who like to play. So 3 days a week we play tennis for a couple of hours. Afterwards we can sit around and have a cup of coffee before heading home. On my non-tennis days I work out at the same club so see a lot of the same...

DW and I stopped exchanging gifts long ago. Much less stressful and saves money too. We spend way to much on our grandkids, but this is what Christmas is all about to us. This year we are only getting token gifts for our children and will give them a little money too. Then we are hosting a...

Used one when I was nearing the end of my working years to be sure our retirement plans and timing were solid. After I retired I tired of paying the 1%+ in fees for something I knew I could handle. Been very happy with that decision so far.

Used Excel to itemize all our spending expectations before I retired in order to come up with a budger. Now use Mint to track everything we spend. Mist does a good job with budget reporting (especially since Mint is free). Luckily I over estimated what I thought we would spend so usually come...

End of trip? If you do it at the end of the trip isn't it possible that the housekeeper that day reaps the benefit of someone else great service prior during the stay? They may have done all the work and took good care of you and then the new person who just handles the day you leave gets the...

My Choice, Outback I've owned 3 CRV's and now have a 2015 Subaru Outback. While good experience with both, I personally prefer the Outback over the CRV. It is has been extremely reliable. About 80,000 miles so far and plan to take it to 200,000. Very comfortable ride and has all the safety...

Lucky me does not need anything other than reading glasses. Cheap ones for around the house and ThinOptics for a pair I attach to my cell phone. My wife needed new glasses and sun glasses. Had her exam with her doctor and then took the script to Sams to get 2 pairs of glasses. She is very happy...

Not sure I call it a remodel. But after living in a condo we bought new about 6 years ago we are replacing the carpet in the 2 bedrooms with hardwood that matches the rest of the main floor. Carpets were builder quality with lots of stain after having our daughter and grandkids living with us...

I have a 13" HP Spectre and love it. I was a little concerned about the screen size but wanted something portable, powerful and full featured. This laptop meets all my needs and no issue with the screen size. With the resolution it has I do not notice the smaller screen. But with the SSD drive...

Still play tennis at least 3 times a week and work out on my off days. Tennis good physical activity but also a big part of my social life.

It is an annual fee. 0.25% Annual Trust Admin Fee plus 0.30% Annual Advisory Fee. True you cannot sit down with anyone in person with Vanguard. Can do a virtual meeting which is fine for me. But I was paying over 1% annual advisory fee with my previous financial adviser before taking it on...

Had to laugh as I read this thread. Our daughter went thru a bad divorce over 2 years ago. Financially ruined (along with everything else a divorce hands you) and no help from her ex, so we had her move in to our 2 bedroom condo along with her 2 kids. We love them all dearly and glad we could...

Has anyone looked into Vanguard's Trustee Service? Seems like a reasonable way to have a knowledgeable group handle executing a trust. 0.55% on first $5M for advising and trust services. The annual trust administration fee covers trust administration or consulting, principal and income...

Even though I am in St. Louis and was heartbroken when they moved back to LA, still a Rams fan so of course I am picking the Rams to win 8-14 points. Brady will be under pressure all game and the tandem of Gurley and Anderson coupled with Goff will put up some points.

Have a 2015 Subaru Outback with 65,000. When I bought this car I knew I was going to keep for a long time so purchased a 100,000 mile extended warranty. Have not needed that and have a feeling I won't. Also have a 2018 motorcycle but that's more a toy then used for transportation.

The only case I have been using is my pocket. Went years with never dropping it. Then dropped it twice. Got the screen replaced both times for like $60. But it is cracked again so I broke down and ordered a new iPhone. Guess I'll get a case even though I hate to do that. I get the nice slim...

We live in a stand alone villa in a development that is mainly attached homes (2 attached) and a handful of the stand alone villas. The stand alones are actually smaller than the attached but I really did not want to share a wall, and certainly not a floor or ceiling. Not only didn't I want to...

Both my parents smoked. One always had a cigarette lit and the other a pipe. Both died too young of cancer.