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Vanguard has a non callable 4% for 3 years. My brokered CD came due today and I’m thinking of grabbing this one. I’m satisfied with 4% for 3 years as I do believe rates will decline. It’s at Wells Fargo.

It was so exciting watching all the letters turn over green!

Wordle 922 1/6 🟩🟩🟩🟩🟩 Had to happen at some point

Thank you for all of your replies. We are going to sit down, review and come up with a laddered plan. Truly appreciate your input.

We are now retired for quite some time and doing fine financially. CD rates are at about 5% and I moved a considerable portion of our portfolio into CD’s. I use various online banks (Synchrony, Ally, Discover to name a few). Since Firecalc has us at 100% with this form of investing we’re...

Anytime

I can tell you what we did. Like you, our daughter was renting. We decided to buy a condo. We paid cash and my DD was responsible for all bills (HOA, taxes, insurance, electric) and we set up a payment plan with her so she’d own it in 20 years. Basically, we were the bank. She took in a...

Thank you everyone. CarGuy, you were right on the money. It cost me $238. I got 4.3% Audrey, that’s exactly the calculator I was looking for. I love this site and so happy for all of your help!!

Honestly, I just used a calculator online. That’s why I came here for advice What numbers did you get? Is it worth it or should I just wait 4 months? Is there a calculator I can figure this out on?

I have a bunch of CD’s and most are in the 3-4% range. I take most out for 12-24 months. These are Traditional IRA’s. I found one that is exceptionally low (what I was thinking back then I’m not sure)! However, it’s only .6%. I want to close it, take the fine, and open a 4% one instead. This is...

Very interesting question. Although there is a definite reduction for the obvious, before you turn around they’re getting married, having your grandchildren and all of a sudden your expenses are up again!

So confusing isn’t it? That’s why I’m asking. It’s not inherited.

If I redeem a bond in 2023 that has matured in 2022 will I pay taxes on the interest in 2023?

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Wordle 432 2/6 🟨⬜⬜⬜🟩 🟩🟩🟩🟩🟩 Good guess!!

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You mention decluttering. By nature, I’m a very organized person but working FT didn’t leave a lot of free time to truly declutter and organize. I looked forward to certain projects. Since they were a bit overwhelming I broke them down, took my time and felt a huge accomplishment after...

We realized, after reading many of your replies, that it is not a smart financial move to trade in the car. We’ve learned a few things from reading these replies and thank you so much for all the responses. What a great group of people here!

We have read each reply and thank you all for so many things for us to think about. We are leaning toward keeping the car. But, at least now we’re armed with a lot more information moving forward for when we go back to talk to them

Thank you for some excellent insights. Things we never would’ve thought of. A lot to mull over. I knew I could count on the forum!!

To answer your questions, we have been retired a decade and are in our mid-late 60’s. We are financially able to pay cash. We are past college and weddings. Now it’s grandchildren and paying for trips to see us (we retired to a warmer climate) and other fun things like cruises,etc. We own our home.

We have a 2019 Honda CRV, 55k miles in very good shape. I love the model and our local Honda has always been excellent to work with. (We’ve owned 4 Honda’s) Recently a neighbor came home with a 2022 brand new CRV. They said they went to do a routine oil change and spoke to them about turning...