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As far as plan premiums go, I just did a test plan in Washington state in our area for a married couple, non smokers, born in 1973 (we are a little older but this is for someone retiring in mid 40s). It looks like I was wrong about the $100 a month premium for a silver plan. The premium is...

Just because you spend $40,000 a year from your $1M portfolio doesn't necessarily mean that your MAGI is $40,000 a year. Here is an example for a couple that has $200,000 of already taxed money in CD ladders, $200,000 in a taxable brokerage account, and $600,000 in a IRA or 401K: Say they are...

Health insurance is pretty cheap right now for lower income. A couple in their 40s is paying maybe $100 a month for a really good policy with a max out of pocket of $750 a year. Once you knock that out of the equation and if you live in a lower cost of living area, then I am not sure you need...

Not quite understanding what I am saying. I am saying that a person might retire at 55 with $750k knowing it would only provide 20 years of retirement and accept the risk that they will mostly be living on SS at age 70 instead of working to age 65 and amassing $1.5M, knowing they will have...

I have a bunch of stories though about Bill, Jack, Darren, and Tim who all had call options (through company grants) and all became multi millionaires. And yes while those are technically free, in reality sometimes a person takes a lower paying job along with the promise of these options, so...

Honestly I care more about quality than quantity. If I can get 20 years of retirement while in good health and able to do things then for me that is better than 35 years of retirement where the last 25 are eating jello in a craftmatic adjustable bed. In order to maximize the chance of 20 good...

The stuff that more money brings sometimes has a way of increasing your stress. So you get rich enough to buy a pretty big boat. Now you have to store it and insure it. But wait, you have more liability now, better raise that umbrella policy. Oh, that second home? Have to insure that...

If you can earn 25% per year for 15 years you can save $750,000 just by starting with $25,000 and no further contributions. Now that is something!

We retired with $600k but through some probably risky investing the past three years we are now at $975k, and that is after spending ~45k a year. Hope to be at $1.5m in a couple more years.

Pretty good call, considering they are expiring this month and Merck is $82 a share. How big of a yacht did you buy?

Hmm, so if I go to Vegas and put our entire net worth on black, with a 48% chance of winning, then I have a 37% chance of making it to age 70 AND able to throw a big ass party?

Do what Quill suggested and do it in Robinhood so you have no fees. Generate whatever monthly income you desire according to the risk you can stomach. I don't really like spreads that much though. I have had some success with diagonals. More on the bull side of things (I know selling a put...

Amazon is amazing. I am tempted to buy into the stock on this small downturn to $1700 today. We ordered something on Saturday and it was delivered on Sunday!

Looks like the 2020 Kia Soul is a huge improvement over the 2019....twice the range.

But I mean really? How much damage could an umbrella do? Maybe put an eye out if one of the wire things pokes through the fabric....

My wife just got a WoW invite to classic beta Watching her level a gnome mage and it is bringing back memories. Hope she is able to run deadmines soon.

Wow classic now has a release date, August 26 Time to relive 2004 ;D

I cut down a 14" diameter tree with a EGO 56V electric chainsaw and then on the same battery charge trimmed it and cut it into about 40 pieces. Battery was still going but I was done (tired from loading the tree lol). Now they just need rechargeable people.

I think the 2.6B figure is low actually. I have watched several companies piddle away nearly that much trying to bring a drug from phase I to phase III and still not even succeed. It is said that only one in one hundred drugs make it from phase I all the way to approval. If it cost just $100...

And the evil drugmakers are at it again. Now they are attempting genocide on a virus, which some say is technically a living thing. "– Donation Provides up to 2.4 Million Free Bottles Annually to Uninsured Americans at Risk for HIV – Gilead Sciences, Inc. (GILD) today announced that it will...

But again, why not also cut out the need for a prescription? If I know what drug I need, why do I have to pay a doctor to get a prescription? Seems like an unnecessary expense and a monopoly.

There are a lot of drugs that are available without a prescription in other countries which require a prescription in the USA. Perhaps that would be a good change too, cutting out the middle man of having to go to the doctor, which would save $100 or more. If I want to take antibiotics for...

These ARE good examples of behavior and policies that do need to be changed instead of doing a massive across the board socializing of the drug industry. People exploit the marketplace in finance and we try (sometimes unsuccessfully) to change the laws and bring them back in line (home mortgage...

Here is a drug company Pulmatrix (PULM), which has gone from $180 a share in 2014 to $1 a share today, while trying to bring their inhaler drug to market (and failing). So I am Joe Shmoe investor. Am I going to take this kind of risk if the reward is removed? I think something around $2B of...

Agree here. Housing can be considered life or death as there are quite a few homeless people who die of exposure, yet we allow houses in some markets to sell for millions of dollars. Some of that money goes to advertising the house. It is criminal! We should have a set price for the sale of...