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You are addressing a whole different issue! Sure, as they're growing up we need to make them aware of the things you mention. But that's an entirely different matter than deciding that it's "a good time for them to start to get serious" about "saving and planning for their retirements". We're...

bongo2, where did you buy it? I'd like to try it. If people are actually going to the cash register and buying a product called "Crack Cream" it must be good... I'll have to wear a disguise when I buy it though.

wheel9, my comments below are not directed toward you because I don't know anything your about your specific circumstances. I'll just throw out a couple of thoughts about this general topic, for what it's worth (not much)... --The investing/financial/ER things we talk about here can be almost...

I am one of those who is of the opinion that anyone who beats the market over a long period (and most of us are in this for the long haul) either takes more risks to do so, or got lucky. I allow for the possibility that there may be a few exceptions, but I have no way of knowing, in advance, who...

As far as I can tell, the only thing you miss online are those adjustments you mention. Mine fit fine right out of the box, but even if they didn't, there's an optician in my town who will adjust them for less than $10. I haven't had to use her services, but my wife replaced those little plastic...

Yep, solvency is the biggest concern. They're a big outfit, but you never know for sure. And decent ratings today can change on a dime, or be too optimistic to start with. It's a roll of the dice. When it comes to LTC, there was nothing we could have done that would have left us without...

Martha, I'm going to order a pair of sunglasses for my wife at 39DollarGlasses.com. I checked for coupon codes and one site tells me that the code: dn17326 will get you free shipping with no minimum. I haven't placed the order yet so can't verify.

Rich, here are the details: --I was 49 and my wife was 48. --Coverage was $110 per day, but there's a 5% compound inflation rider, so it's $140 now. At the time we called a care center in a small town that has a good reputation (we have known people there). Their total cost was $110 per day for...

Approximately 4 or 5 years ago, my wife and I each bought a LTC policy. We paid them off in one lump sum. So there are no premiums (or premium increases). We'll know for sure if it was a good move when we're dead.

Is it really as trivial as that? I'll quote justin up-thread: While you could probably conserve some of those savings, you'd likely give up a fair amount of them. Add to that the costs associated with passing on Flagship perks. Add additional costs associated with funds with higher ERs than...

The market dropped yesterday? I didn't know that. I reconcile my statements once a month and have no idea what the market does in the meantime.

Ron, I went in and read the fine print. It appears to me that the customer would be left holding the bag if something went wrong. Here's some of the legalese: "LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER FIDELITY NOR ANY OF ITS AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES, WILL...

Rich_in_Tampa, have you maxed the 15 year rule? If you haven't, and you have been with your employer for 15 years, you may not need to do anything. It would add $3,000 to the max. I've been retired almost three years and have not kept up with 403(b) changes in the past 3 years, but the 15 year...

OkieTexan, I have concerns about this too. I used aggregation services at one time, but quit doing so because I couldn't get a solid answer to this question: If I provide all of my Company A security information to Company B, and my assets at Company A are stolen... under what specific...

Not at all! This thread is about examining a low probability event and trying to determine how low the probability really is. Brewer did exactly that. I appreciate his candor.

That's right, they don't all charge the same; most are high cost, and most of the rest are even higher. And I don't send friends and family looking for needles in haystacks.

I have a fair number of people who ask for input. Four "rules" I follow: 1) First I make sure anyone requesting help understands the importance of self-education and the high costs and risks associated with using investment professionals. 2) I refuse to make investment decisions for anyone...

It started downloading automatically (I use Firefox). I opened it in VLC media player and it played just fine. That is one talented group, TromboneAl. I really admire people who can play musical instruments.

The possibility of losing money is remote. SIPC protection is only the first line of defense; there's usually a great deal more. And the nature of the securities is such that you're already assuming the risk that the securities themselves will tank - so what's left? Fraud. Theft of securities...

I agree with Nords. This is not on my list of concerns. I did look into it at one time but I don't recall the specifics - I just recall checking it off my list of things to be concerned about.

Professor, regarding the tracking of expenses: I track expenses with Quicken. Everything we spend gets noted at the time (whether in the check registry or the VISA registry). At the end of the month, I download the transactions and assign each transaction to a category. Every few months I call...

Yep, at some point you just have to take the leap. When I left the job, I decided that I had enough for health insurance - up to a point - and if that wasn't enough, I'd just join the growing ranks of the uninsured. It's not like I wouldn't be able to buy ANY health care; with what I'm paying...

kramer, I got a credit card after retiring. At the time, I hadn't used credit in so long that I had completely fallen off the credit system's radar. It had been 10+ years since I had any type of loan. So I emailed my credit union, explained the situation, and they gave me a card. Shortly...

Just one more suggestion which you've probably already considered... I'd want to be sure that I considered the difference between my own personal cost of living increases, and the CPI, or whatever your pension is pegged to. In my case, any cost reductions due to retirement (and some of my...

Martha, yes, the glasses I bought here worked great for me: http://www.39dollarglasses.com/ I have purchased three pair and I still use all three. One is strictly for computer use, one is for TV, and the third is a pair of bifocals I wear most of the time. The first pair of bifocals that I...