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RBC has a 10yr 5.5% w/ 5yr cp. 78014RPM6 Sent from my moto g power using Early Retirement Forum mobile app

While I've been educated on the hazards of being in a bond fund during rising interest rates, and the same nav/interest rate relationship would apply to a fund of preferred stocks, the current interest rate and diversification of a preferred ETF sure looks appealing if one is timing the interest...

So it now looks like 3 drivers to push the long end up - QT, new debt being sold and credit downgrades. I think we'll stay with shorter durations for another 3-6 months in this household on the maturing stuff. I doubt the debt downgrade is going to be a significant contributor. I was surprised...

I so had to laugh at that statement. The use of word "restraint" when neither party has any interest in that. Sent from my moto g power using Early Retirement Forum mobile app

USAA has certainly changed over the years, significantly this last decade. More of a profit center now. Sent from my moto g power using Early Retirement Forum mobile app

As a truck owner who knows several other truck owners, that might not be out of line. I'm in the 35%. Sent from my moto g power using Early Retirement Forum mobile app

We bought a 42 inch HDTV over 10 years ago I think it was $1,200. We bought a 65 inch HDTV last year I think it was $400. It's just the way technology advances to a lower cost with competitors showing up. If EV's follow Moore's law in 10 years we should be able to purchase a 400 mile EV for 1/3...

Price usually reflects demand... https://www.reuters.com/business/autos-transportation/ford-slashes-prices-f-150-lightning-trucks-base-variant-cost-17-less-2023-07-17/ Sent from my moto g power using Early Retirement Forum mobile app

Nice website. Thanks Sent from my moto g power using Early Retirement Forum mobile app

Koolau - on the same page. Toyota's done well reducing drag. I don't think we've seen all the battery technologies evolved yet. I don't think Toyota is using GDI yet (smaller engine) but also remember a hybrid engine optimized for cruise rpm, not acceleration or a broad power band has a lower...

I'm an optimist. I remember a guy over a hundred years ago saying "everything that can be invented, has been invented." I think I just heard that in your post wrt hybrids ,[emoji16]. Sent from my moto g power using Early Retirement Forum mobile app

We have automatic monthly transfers set up on fido to push funds to two checking accounts. For unexpected needs, like medical or covering credit cards after travel, we'll do one time out of cycle transfers to pump up one or the other checking accounts. Our monthly expenses outside of the...

This stuff will probably do the task. Sent from my moto g power using Early Retirement Forum mobile app

I hole punch in a 66 c206 off a grass strip ne of dallas. 40° flaps do not allow climb. Btw, I was the 8th car in line when they opened H2 to the public. Haole at Leilehua HS, 74-77. 1967 olds cutlass, 330, 2spd power glide. Those were some good times. Sent from my moto g power using Early...

We we're actually early adopters of 100% EV. Owned a 1980 commutacar. Living near Dallas it was a fun grocery getter in the fall thru spring (no ac) while we drove on the white rock roads thru cornfields to the nearby city grocery store. Once they paved the roads and replaced the cornfields with...

Nothing as exciting as running out of runway in ground effect deciding to retract flaps to gain airspeed before that 50ft obstacle becomes an issue.... Sent from my moto g power using Early Retirement Forum mobile app

ERd in 2015. We tow a 7500lb travel trailer for most of our trips to state and federal parks around the country each year so the f150 will stay. The DW loves her 04 v70 w/274k miles and we hit 34.2mpg on our recent 3500 mile road trip. She said she's going to drive it till the wheels come off...

^^^^^^^ This Consider it surviving spouse insurance. Sent from my moto g power using Early Retirement Forum mobile app

I have to disagree with this. I would like 100% of taxes associated with driving on public roads to be applied to build and repair public roads (inc. lighted intersections, lighting, paint and reflectors, guardrails, etc.). But that's not the case here in Texas. A lot of vehicle fees and taxes...

An advantage to this catchall thread was the discussion of the impact of state taxes when comparing the different fixed income vehicles. Sent from my moto g power using Early Retirement Forum mobile app

It was a freeze. Thank you for the info. Sent from my moto g power using Early Retirement Forum mobile app

We locked down our credit in 2015 (coincidentally, when we er'd) after the OPM data give away since they gave up everything. A few years later Capital One reduced the credit limit on my two cards with them. I always assumed the credit reduction was because they no longer had access to our credit...

Mom is 88 and only drives during daylight. Mostly grocery runs around noon. Recognizes night vision is a problem so won't drive after dark. Knows her limitations. Dad will be 90 this year and his driving is perfect. He's a former vietnam veteran dustoff pilot, instrument rated, so his 'scan' has...

https://www.foxnews.com/lifestyle/americans-shouldnt-drop-mail-public-mailboxes-sundays-holidays-after-hours-heres-why Sent from my moto g power using Early Retirement Forum mobile app

Went to a drive thru for a sandwich. The cost was $4.78. At the window I handed her $5.03 so I'd get a quarter back. She closed the window and then called three different people to the register to discuss something while looking down at the $5.03 I gave her. After two minutes of discussions she...