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No, they didn't ask. My DW told me that the purchase of the new residence was going to occur before the closing on the sale of the old one, and I knew it was going to cost them some $$. After talking with FIL, we offered the "short term loan" so they didn't have to incur the fees. No, I...

Never did any borrowing, but in 2003, FIL and MIL were downsizing from the home my DW grew up in. There was a time gap between the time they needed to close on the new house and the closing on the sale of their old place ( a couple of weeks if memory serves). It was going to cost thousands of...

Hi jrwinfla, welcome to the forum. I don't know how an "ESOT" works, but if it's all or mostly in a single companies stock, I agree that you should be concerned. If so, can you sell a significant portion and move to something more diversified without tax consequences ?

It gives me the most precious resource that exists.. Time goodguy

That's not how it works. 99 weeks max benefits ( in most states). Most states have 26 weeks of unemployment benefits, with the Feds picking up the other 73 weeks. The extension that they're proposing will keep the additional 73 weeks of benefits in place for 13 more months. So, If your...

Thanks all, I appreciate the comments. let me attempt to clarify a bit.. REWahoo, thanks.. that GIF is perfect.. I keep thinking about the fact that DW is 43 and I am 44 and that we have so much more time.. ( to live hopefully) 1) -- I don't want to outlive our savings 2) -- I/We spend...

Lol

Good evening all, Long time reader, very occasional poster here looking for something ( comments, condemnation, agreement, etc).. I've been mostly, sorta, semi, 3 quarters retired since September 2005.. I've got some hobby stuff that I do that's been bringing in ~$15,000 per year for 6 weeks...

Spy, + 14.21 %

We spend several hundred dollars on gift cards this time of year, but they're for us rather than for gifts. The farm and garden store that we purchase pet food at offers a $5 coupon for every $25 gift card you buy. We purchased a $200 gift card last week and received $40 extra. This is money we...

This mentality has always bothered me.. When a nursing home provides service to someone, they should be paid. If that individual is indigent, taxpayer dollars are used to pay the bill. Hiding assets to avoid paying the bill by appearing indigent, thereby passing that bill on to the taxpayers...

I 2nd that nomination... GG

Hello Cashflo2u2, From what I can glean, you need $19k yearly from an $800k portfolio. If that is the case, you should be in good shape. I'm confused about your "Our retirement budget and plan went haywire within 6 months after retirement." comment.. Please elaborate GG

If someone posts their "numbers" asking for validation, or input on their situation, I think that for the most part they're being honest. Otherwise the answers they get will not be too helpful. I think that some of the polls may be a bit off though.. goodguy..

I'll be chuckling over this for a week or so.. thanks for the laugh ! goodguy

Hmmmm Hobbies, where to begin.. drag racing ( myself, DW and all 3 kids) camping (small motorhome camping with a large group of friends) welding ( mig, tig ) ( ornamental iron and other fun stuff ) machining ( lathe, and just purchased a Bridgeport mill for $400 ) garage sales and auctions...

My 2 cents: Put off buying the house until you can afford the down payment that will avoid PMI. Goodguy..

Yes.. Immediately..you're not getting any younger..

I (42) and my DW (41) RE'd last September. My wife has been a stay-at-home-mom since our son was born ( 12 years ago) and she never gets asked when she's going back to work. I on the other hand get asked at least a couple of times per week. I personally tell them that I'm doing some consulting...

Getting yourself into an ARM when interest rates are close to 40 year lows.. Which direction would you expect rates to go ?  ???

To me, CC means purchasing lots of stuff on credit or buying with windfall $$ ( bonuses, etc) when someone has debt that should be paid down or they haven't funded their retirement. The inability to delay pleasure today to better prepare for the long/medium term is part of the issue. my 2...

streamjp, Hello from the other new guy ! Here's my 2 cents.. I've only recently read the "Millionaire Next Door", but a lot of the stories in that book resonated with me and the things I've seen and experienced. If you haven't read it, I highly recommend it. I don't think you can pigeon-hole...

Hello all, Wanted to introduce myself, and give you my situation and join the discussion for input on various FIRE topics. Myself 41, DW 40 plus 3 kids 11, 13, 15. I was planning for a graceful exit into retired life in Janary 2007 ( 16 months from now), but downsizing at the company I work...

I listen to Dave Ramsey occasionally and all-in-all I think his message is appropriate for a large portion of the population. and FYI: His site does not accept credit cards.