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New I bond rate effective May 1 will be 4.26% which includes a fixed component of 1.3% https://www.treasurydirect.gov/savings-bonds/i-bonds/

With all the threads concerning investing in bond "funds" in a rising rate environment, was wondering what the community thoughts were concerning stable value funds. Recently my son started a new job and signed up for the 401k plan and had to make investment decisions and solicited my thoughts...

I am considering dropping my $1M Umbrella Liability Coverage as I consider my risk factors are substanially reduced recently. Other than the cost savings, wandering what other factors I should consider. Firt took out the policy about 15 years ago as I realized my net worth was growing...

Just received a notice from the IRS: 1. IRS Expands Penalty Relief for Taxpayers Whose Payments Fell Short in 2018 The IRS provided additional expanded penalty relief to taxpayers whose 2018 federal income tax withholding and estimated tax payments fell short of their total tax liability for...

https://www.fidelity.com/news/article/top-news/201708070620RTRSNEWSCOMBINED_KBN1AN13I-OUSBS_1 'The effective yield on 7-8 year single B rated bond, the class for a Tesla issue, is 5.5 percent, according to Bank of America Merrill Lynch. However, the Tesla bond price has not been set and...

While out for a walk yesterday I noted a realtor hanging "Reduced" signs on a nearby McMansion. Talked to him for a few minutes and found out the new price is $450K, the original asking price last Spring was $539K. Very suprised at the large drop in price, but it is still high for the area...

Just an interesting article: Can robo advisers replace human financial advisers? - MarketWatch "Investors’ preference for human advice is further evidenced by the decline of self-directed investors — those who want to handle their own portfolios and aren’t looking for advice. Since...

Very interesting article about the market rally of last few years and possible ramifications Quote in part" Summary Richard W. Fisher's appearance on CNBC this week offered remarkable insight into why voting members on the FOMC embraced zero percent rate policy as well as QE for so many...

We seem to have a poll for a lot of things so I thought I'd try one that I haven't seen before. Last night, I was talking with a local doctor who is trying to decide whether to buy out his lease or lease something different. He said he doesn't put many miles on but also finds it an annoyance...

Currently, I'm receiving SS (started at age 63) and my minor son is also receiving monthly benefits. His benefits stop when he graduates HS. At that point, I'll be 67 (my FRA is 66). Is it possible or advantageous to suspend my benefits at that time and restart benefits at 70? Spousal...

Some earlier threads talking of retirement communities got me to thinking. Can't see myself in one of these as I don't think or feel like I'm old enough to qualify, especially with my high school boys. But I'm starting to look forward to getting back into activities that have fallen by the...

Sixteen years ago (at age 49), after my second son was born, I took out a 20 year level term life insurance policy to help cover the raising of my two sons if something should happen to me leaving my wife with the responsibility. Had an opportunity to early retire a year later with a COLA'd...

Interesting comment regarding Genworth and their business of offering long term care insurance. Will they be around and healthy to pay off? Stock nose-dived today. " Perhaps most disappointing to investors was McInerney's statement that the turnaround in Genworth's long-term care business...

For about the last eight years, I've used any remaining portion of my federal 15% tax bracket to convert T-IRAs to Roth IRAs, usually at about $20K per year. I have a basis in the T-IRA that I'm also whittling down. But with the uncertainties in the tax code for 2013, I've been considering...

Recently, my Edward Jones broker found another job and moved on. EJ assigned me to another broker, a real young newbie. Haven't really been impressed with any of the other Edward Jones folks I've been with. This account is my taxable, primarily individual stocks and bonds holdings. Refuse to...

This really doesn’t apply to FIRE, but would appreciate the collective wisdom of this board’s comments. Recently became the trustee of my deceased sister’s funds. I’m to set up a trust for the benefit of her two adult children. Half the value of the trust to be distributed in April 2010, other...

I've been searching for places to park cash portion of portfolio and came across an annuity product that appears to act like a CD. For example, pay in $50K with a guarantee rate of return of 5.6% for five years. Years 2-5 you can withdraw up to 10% with no surrender charges. At the end of 5...