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Unfortunately, mine seems to be at the smoldering stage (the one after MGUS) which carries a higher probability of it progressing to multiple myeloma. I saw my hematologist yesterday. While he's not yet ready to issue a formal diagnosis (more tests need to be done first), based on my labs he...

It's a precursor to cancer. It can progress to multiple myeloma, which is blood cancer. My lab numbers are worsening. Thanks for the wishes.

What's that saying? People plan and God laughs? It appears I have a monoclonal gammopathy. I haven't gotten a final diagnosis yet, and I don't think I have multiple myeloma, but it sure looks like things are headed in that direction. I'm only 57. I guess I don't need to worry about planning...

Seventh-digit milestone today. Someone pinch me.

One month in Cambodia, Vietnam and Singapore. Making joyful memories.

Thanks. To be clear, the 66x and 38x is taking the pension into consideration. In other words: NW/(EXPENSES - PENSION) It's not as if the pension is on top of the 66x and 38x.

:) Oh, no - she received my full-throated support. We're nervous, of course, but happy.

I retired at the end of 2017. Since then, my wife has continued to work. Today she decided that she's had enough and will retire in the next few months. Not that it would change our retirement decisions, if you have any reaction to the details below I'd really appreciate hearing them. Late...

YearTotal ExpensesNoteYOY ChangeFixed% of TotalDiscretionary% of TotalDisc. Less Travel% of TotalTravel 2019$73,8865.66%$37,91151%$35,97549%$6,4549%$29,521 2020$57,145Covid-19-22.66%$42,74675%$14,39925%$11,67420%$2,725 2021$69,408Covid-1921.46%$40,93359%$28,47541%$5,9119%$22,564...

Curious - why doesn't it have to cover your net worth? To answer the OP's question: Our umbrella insurance covers our entire NW. It's the max our insurance company will cover. I'm not sure what we'll do if/as our NW goes up.

- Won the womb lottery. - Grit. - Mom taught me the importance of saving early and maxing out retirement accounts. - Worked my way through grad school to prepare for a career change that proved to be even more lucrative than I realized it would; right place, right time so a little luck there...

I included two days for travelling so, technically, only really 12 days in Kenya. 1 night in transit 2 nights in Nairobi 3 nights at Saruni Samburu, Kalama Community Wildlife Conservancy 3 nights at Saruni Wild, Masai Mara 3 nights at Saruni Mara, Masai Mara 1 night in Nairobi 1 night in...

Just returned from a 2-week holiday in Kenya. Flew business class (on miles). Made plans for next year for two holidays - one to Singapore, Cambodia and Vietnam flying business class (on miles), and the second to Egypt and Jordan (maybe in premium economy/economy plus if we don't have enough...

Not interested. Unfortunately, the person who started the original post and contributed what many thought to be helpful information, and who was lauded by many here, seems to have been run off by a cabal that currently remains - a cabal that, in my view, are the ones who started all the trouble...

My pet peeve of the day: People who are completely incapable of making a point while engaged in a disagreement - as good as that point may be - without being complete a-holes about it. I guess it's the anonymity of the internet that brings out the worst in some people.

OK, I stand corrected. It's the language being used you object to, e.g., "windfall". Got it. But I think saying that Freedom "failed" his friends, is quite a stretch.

If I may... I believe what GenXGuy is failing to understand is we're talking about a portion of peoples' portfolios that they WILL NOT risk in equities. This is the FIXED INCOME portion of their portfolios. What I think GenXGuy is trying to say is that putting the money into equities has a...

So I corresponded with my PCP who made a recommendation for a specialist who doesn't participate with any insurance. My PCP said that's as close to concierge as possible in this particular specialty - at least in my part of the country.

Does anyone have any experience or knowledge regarding medical specialists as they relate to concierge service? Are there any medical specialists who provide this service or does your concierge service make arrangements to have a non-concierge specialist squeeze you in who otherwise wouldn't...

Thank you.

I take it the recommended sale date of 7/1/23 goes for an issuance date of 12/1/2021 and now yielding 3.38%. Correct?

Hear, hear.

My 2 cents: The topic of this thread refers to "fixed income investing", and it happens to concentrate on individual bonds and CDs. As far as I'm concerned, bond funds fall into "fixed income investing". Some may not agree with the language being used to describe bond funds and those who...

Thanks for sharing your insights/opinions/experience. For dummies like me, would you please explain/elaborate on the boldface in the quote above?

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