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S.O. is going to be going to medicare in August this year. She has enough health concerns that we are likely going to traditional medicare and a medigap policy. Plan N seems to have the same coverage as G, but does not cover charges that are above what Medicare pays. How often is this a...

I read an interesting article on Humble Dollar this morning worth sharing. He makes a good argument for a heavy equity allocation and the human side of needing comfort with our investing decisions. "Individual bonds can be treacherous to sell if you need to unload them before maturity, plus...

This article seems to make the point that recent bond problems are not the norm and he believes(as I do) that they are still part of the correlation differences for a successful portfolio. https://awealthofcommonsense.com/2024/01/the-holy-grail-of-portfolio-management/ VW

I read an interesting article about Zuck's 100 million dollar compound being built on 170 million dollar piece of land he purchased. Evidently, the locals are not impressed. It includes a 5000 sq ft bunker!! What does he know that we don't know? I also thought one of our Posters would like...

I received an e-mail that my Norton subscription would be renewing in December as an auto pay at 110.00. I have never paid that much for this protection in the past. I decided to cancel the subscription and see if they came back with a better offer. After answering questions online to cancel...

I see posts concerning the confusion on the 5 year rule for conversion withdrawals. I have found several articles that make it clear and I am linking one of them here. Many here have it figured out, but for some of the new people in the forum, this may help...

I read this article from Ed Slott this morning and found it to be enlightening for tax free Roth withdrawals. It does a good job of explaining the 5 year Roth conversion rule that is so confusing to many. My apologies if someone already posted this...

I read an interesting article today from The Finance Buff discussing the benefits of bond ladders. It does a good job of explaining the results of both the ladders and the funds. There are cases where the ladders make sense, and times when a bond fund will get you to the same place...

In an effort to reduce the cost of Medicare, those on original Medicare may join the ranks of the HMO or ACO(accountable care organizations) as the government likes to use a new name that seniors won't reject. An interesting article from Humble Dollar...

I read this interesting article from a very intelligent poster on Bogleheads concerning the rising rates and how they affect a long term investor. https://www.bogleheads.org/forum/viewtopic.php?p=6286231# The idea that bond funds lose money is tied to short term thinking about a long term...

An interesting article that uses my Forum name to make a point!! https://humbledollar.com/2022/01/inertias-rewards/?utm_source=mailpoet&utm_medium=email&utm_campaign=another-ses-test_7 From the article posted on HumbleDollar: "Just sitting there doing nothing has proved to be the smartest...

I read a good article from Mike Piper at Oblivious Investor for the tax treatment of Roth withdrawals and Conversions. He also has a calculator on his website if you answer a couple questions about your Roth. https://obliviousinvestor.com/roth-ira-withdrawal-rules/ I hope this helps those...

I read an interesting article today that reduces investing to doing a few things right, instead of some complicated ploy to beat the market. https://movement.capital/beware-of-financial-alchemy/ "I disagree with the narrative that older investors now have to take more risk. Today the 10-year...

I read 2 good articles this morning concerning the reasons to invest in foreign markets, or to invest only in the US. Compelling arguments for both are included in the linked articles below...

I read an interesting thread on the future of bond returns based on the low fed interest rates. There have been several threads here on the same subject with many saying to stay clear of bonds altogether. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=320844&p=5386258 Interest rates...

I read this interesting article on the taxes and penalties on withdrawals from your Roth IRA. There is much confusion surrounding this, especially after doing conversions. Reaching age 59 1/2 changes many things about Roth withdrawals and penalties...

I have seen many posts on various financial blogs lately concerning holding cash for the big dip. People assume they can make a killing by hoarding cash or low paying short term bonds to wait for the "big one". I read this article today and found it very enlightening. If you could time it...

I decided to find out what delaying my SS past 66 was worth in Inflation indexed earnings in the future. My FRA benefit of 2658.00 will increase 212.00 per month if I wait to 67. Another 229.00 if I wait to 68, 247.00 more to 69, and 267 more to 70 for a(not adjusted for cost of living) total...

I received an alert from my Credit Wise report from Capital One that my credit score changed today. I was curious why it changed and discovered that someone opened a TD card services account with my name and SS #. They did that one day ago and already racked up 1000 dollars in charges. I have...

The Social Security Administration released the 2019 report on the Trust fund. Good til 2035(improved by one year) and will then be able to pay 80%(about 5% better) of benefits with no changes. https://www.ssa.gov/news/press/releases/2019/#4-2019-1 VW

This is the scorecard from SPIVA the 15 years ending in 2018 for Active managers over indexes. Your chances are not that great to choose a winner, and the Advisor has the same problem...

This is a good condensed version of 2019 tax contribution limits and brkts. It always helps to plan for taxes in advance!! 2019 Tax Facts – Marotta On Money

This article addresses "timing" the market and makes a good point concerning just leaving your investments alone. Sometimes, it is just hard not to touch it! https://assetbuilder.com/knowledge-center/articles/the-stock-market-secret-that-retirees-need-to-know

Looks like Robinhood is paying 3% on checking and savings with no fees per a recent ad. It doesn't start until 2019 and has 250,000 SIPC protection. May be a good option for some cash. https://checking.robinhood.com/ VW Edited to correct to SIPC protection

I have already harvested some losses as I sold a partial lot of VFWAX(all world ex US index) OCT 10th and bought VTIAX(International index). I already have losses I would like to harvest there. No reason to wait on the VTIAX if I move to Developed International Index from the VTIAX. 31 days...