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$10 rabbit ears antenna (one time cost). Commercials, yes, but we all grew up with that! Mute the commercials. There are some great free broadcast channels, including MoviesTV network: https://moviestvnetwork.com/schedule/

“Repulsion”, by Roman Polanski, “The Wicker Man” original, 60s version “The Curse of the Beast” (1959?) terrifying!

It's maybe a psychological crutch for those invested in bond funds vs individual bonds.

Hello Freedom56, I am not expecting the fund to do this exchange, just thinking if one was really concerned about loss of principal, due to NAV decline, one could manually sell the fund (at the loss), then re-invest in a zero-coupon bond that matures at the original NAV price paid for the fund...

My question probably belongs more in the now closed "bonds vs bond funds" thread. I have read through all of the posts there, and some here, but in comparing bonds to bond funds I have not seen any discussion of interest-on-interest with respect to total return of a bond vs bond fund. Also, it...

Yes, Amor Towles’ first book is great!

Yes, his first book is great!

Back up As someone else stated, backup and do personality/affinity/ability test before spending a lot of money to be miserable. Your son sounds like engineering personality (Myers-Briggs ISTX type), but maybe he doesn’t find it interesting. Sometimes a great professor can make s difference—I...

Leave everything the way it is. The EJ guy has you in a pretty good selection. If you really must have just one fund: FFNOX. Fidelity 4-in-1 index fund: FXAIX, extended market, intl market, and US Bond index.

This is a good point. I have generally stuck with index funds, because I pretty much make a single purchase transaction then hold. Also, I have read the bid-ask spread can be higher with ETFs than funds, but probably not so much with large, widely-held-and-traded ETFs, such as those tracking...

Thank-you

My motivation is receiving the lump sum in my taxable account and trying to make a better decision about investing in that account than the one I made when I first purchased FFNOX. I really haven’t added to my taxable account the past few years, so just lived with the fact that I have a...

Thanks. Yes, I am leaning toward my Q2 solution. I should note that FFNOX, with such a low bond allocation (15%), has tended to act more like an equity index. Also, I have used the income in my taxable account (I directed dividends to be deposited into my cash account, rather than...

I should note I am single and combined annual income (dividends, interest, cap gains from passive changes in indices) from my portfolio, both retirement and taxable accounts, is still under $40,000, so I don’t as of yet have a tax problem with the taxable account income. I DO live in Minnesota...

Hello, Searching the forum not able to find a good discussion of my question, so here goes: I have a recent lump sum in my taxable brokerage account I wish to invest. I am semi-retired with some income as well as cash to fund 2 years of expenses. I also have a couple years expenses in an...

But Why not drink from nice glasses? You only live once. I have lived a very minimalist lifestyle, with nonmatching dishes and silverware my whole adult life, and I actually enjoy nice dishes and glasses!

Yes, it’s Moore’s Law in action. I take on interesting work in my consulting business now being semiretired. I recently did a project using a Rasp Pi for an industrial Iot project. It’s amazing! And, a Pi is a very cost effective PC if you are mostly using web-based access.

Except asset values are inflated Bergen recently came out and said that although dividend and interest rates are liw, ASSET prices are inflated, both bonds and overall stock market...so the 4% rule was still valid. Remember folks, this model has been backtested to 1870, during all economic...

I am in this camp. I have spent many hours over the past 20 years in my unfinished basement. It’s where I invented and developed electronic products as a side hustle. Light is everything! The walls were painted bright white drylock when I purchased. Never any moisture issues, my basement is...

5% withdrawal already advised by Wes Moss Wes Moss’ “You Can Retire Sooner than You Think” book already advocates a 5% withdrawal. The way he states it is, for every $240K you have invested you can withdraw $1,000 /month (his “$1000 Bucks a month rule”). He also advocates multiple sources...

It might be your genes—nothing you can do outside of meds My BP typically gets very normal, even off BP medication during summer when I exercise a lot. Dr said this is false confidence: my family history of BP/strokes indicate I can’t reliably control it without meds. I am very healthy...

Gary, With respect to your point 3, about not wanting to travel alone: have you tried it? I have had some of the greatest experiences of my life traveling alone. You meet more people, I think. I actually prefer to travel alone, now.

These 800-1000 sq ft homes are all “minimal traditional”, financed by the FHA after the 1934 law was passed. Almost all are 2 BR/1BA. Great homes—designed by hungry architects during the Great Depression—I know, because I have lived in one for the past 20 years, and grew up in two of them.

I am not trying to criticize people’s lifestyle choices, its a free country (hopefully), but for retired folks I think smaller is better. Less ongoing operating expenses. I own a 1942 two-bedroom, one-bath 900 square foot home I purchased in 1999.* I live in a first-ring suburb of Minneapolis...

My opinion is that unless one can predict what future tax rates will be, there is a risk one will be better off NOT doing the conversion, and not paying taxes today. Alternatively, one could get “burned” by paying taxes on the conversion today, then having Congress decide in the future—with a...