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Actual close today was 4,769. Here is what experts said this time last year: "The average forecast expects the S&P 500 to end 2023 at 4,009, according to Bloomberg, the most bearish outlook since 1999. But the predictions range from a low of 3,400 to as high as 4,500, representing “the widest...

Hey all - - I appreciate all the great ideas. A lot of things to consider.

We are building a new home in 2024. I'm looking for advice / ideas on what technology I should include or prepare for. For example, I'll add a 50amp outlet in the garage for future charging of an EV, even though I don't own one yet. Would you include anything special for future fiber optic...

Air and water. Two basic necessities of life that should be free. Not so at many gas stations any more.

I have a very rudimentary understanding of options trading and strategies, but no practical experience. I would like to learn more before I put a toe in the water. Are their books or online resources the options experts here would recommend?

I have a friend who works for AMEX exclusively with cardholders that charge a minimum of $1M per year. Not my world.

My DW has had a flexible universal life insurance policy since 1988. We’ve been making automatic monthly payments of $25 for years. I’ve pretty much ignored the policy but just now looked at it. It has a guaranteed interest rate of 4.5%, which seems great now, but the prime rate was 10%...

Broadchurch was very good. Hinterland is in the same vein. Part of the intrigue is seeing the Welsh countryside.

Feeling old today. Been surfing on and off 25+ years. After about a year off I find I just don't have the same flexibility. My pop-up is crap. I can't seem to get my lead foot (goofy foot) in the right position. What do do? Stretch? Yoga? Floor practice? I'm 64 and hoping to surf...

Flying private and avoiding airport hassles. Nothing like having a plane and pilot ready when you are.

Are you annualizing the rate of return instead of calculating the YTD rate of return? The YTD return for VBR is closer to 21%.

FC allows you to enter a year for quite a few events - - - when to retire, when to begin receiving SS or pensions, when to add or subtract to your portfolio, etc. I assume, but am not sure, that the event would be measured from today vs. January 1 or some other day. For example, if I say I...

I just tell the Microsoft scammers that I run a Linux.

I use 99 for me and 99 for my DW who is 4 years younger. I've had relatives live healthy, active lIves to mid-90s but late 90s doesn't look too appealing.

This seems like a reasonable assumption to me. But it makes me wonder who is getting advantage of a 10% inflation rate? Insurance companies, pharmaceutical, US government (medicare), doctors, etc? Is there an investment that will help hedge against the higher inflation rate for medical care?

I live in 2 of the top 30 places (second and fist homes), 2 hours apart. Pretty happy with both.

I never knew about the bend points. After reading up on it I don't worry so much about years where I came close, but didn't quite reach, the maximum social security contribution amount. The income above the last bend point won't make that much of a difference.

I'm 59 and still practicing after 35 years. I think TallTim makes a good point. In many occupations you are past your prime in your 50's. I bet you won't see many female gymnasts older than 19 in the Olympics. Lawyers can be better in their 60's than they were in the 40's. It feels good to...

Very interesting idea. I'm probably 3 to 4 years from retirement, but I may try something similar as I get closer.

Welcome. I'm in a similar situation as you, except I'm a couple of years behind you and already live in the Phoenix area. You should check out Zillow or similar websites to see what kind of house you can get here for $200k. I love living here, but I do like to get out of the heat for part of...

Houses probably worth about $650k +/-. Free and clear. Properties taxes aren't bad here ($3200 total). It is usually 65 - 80 degrees at one of the places at any time of year. I like the option of being able to live in near-perfect weather all year round. That is one part of my retirement...

I have a small business and set up a Safe Harbor 401K plan last year through Edward Jones (I know, I know). I was just informed that they will no longer act as custodian of my plan as of September of this year. They claim that new Dept of Labor regulations make it too difficult and expensive...

Appreciate the comments from FreeBear and others. I did plug in higher expense ratio in firecalc. Also calculate my AA which is about 60% stock, 35% bond, 5% reit. DW has an IRA at Ed Jones with about $65k. It is invested in 25 different funds. 25!! Is that crazy or what? I have no idea...

Greetings! I feel I’m behind schedule for FIRE. I’ve been investing in available 401Ks, IRAs, and some taxable accounts for 25+ years, but didn’t have a real clear plan in place in the beginning. I’m now paying much closer attention to asset allocation, expense ratios, etc. I’m debt free...

I haven't retired yet but I'm only a few short years away. I'm getting a good handle on my spending and have almost 20 years of data in Quicken. For those of you in retirment, how do you plan for major expenditures? I would be replacing a car every 8 - 10 years, spending $10,000+ on a new...