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Ah, that helps. Sounds like you guys made a good move - congrats, enjoy it!

I haven't been keeping up with the forums as much, and I didn't know you took a new job and moved to CO. Glad to hear things are going well for you. Apart from the work-related stuff, how has the adjustment to CO been for you and your family?

hyper-in______

No changes here. We generally follow a LBYM lifestyle, and that continues. Stuck with our plans for our annual family vacation. If we weren't already doing the LBYM thing, now would be (another) wake-up call to start, however.

Taking the opportunity to do some re-balancing, and speeding up some planned 529 contributions. But otherwise, mostly sitting tight.

Quite the opposite for me -- I have increased my supply of ammo recently. :angel:

"professional civil servants" = fail "strong administrative skills" = fail "who stayed for the long term" = check "loyal to the system" = check "above any particular loyalty to ... those outside government" (i.e. those for whom they ostensibly work and who pay their salaries) = check "a...

I come from a family of 4 kids. Look back through our old family photos, and you'll see the same sweatshirts pass down from my older sister, to me, to my younger brother, and (if it held up to serving two 10 year old boys) my younger sister. Not ALL of our clothes were used; we each got some...

New Jersey is not the place to go to look for "reasonable" cost of living. It's one of the worst places you can go. Not only is it crowded (highest population density in the U.S.) and expensive, with high taxes, but looking at "average" stats for NJ aren't as helpful as they are in other...

Sell before you are underwater.

I would pay them off. I paid off my student loans early even though the interest rate was much lower than yours. There's an intangible benefit to being debt-free, at least to me.

Social Security won't mail annual statements- MSN Money I guess it might take the Brain Trust over at the Social Security Administration a few more decades to consider how they could send these statements out via email or otherwise make them available online at a fraction of the $70 million...

+1 At least it's April Fool's Day ;)

That would make too much sense. :rolleyes:

Pay off the debt. Not only is it the best move from a numbers perspective (you're not going to find a guaranteed "rate of return" that will match your credit card interest rate) but it also rewards you with much less stress and worry. Not only does it feel good to get that debt off your back...

I would choose Option 1 if I were really and truly convinced that no more than 40 hours per week would be required (I am skeptical though). If you really could work 8 hours/day M-F, having a fast-paced environment would IMO just make the day go by faster, and reduce the chances you'll get...

Looks like you're doing great. I don't think it's necessarily an "improvement" but one thing you might want to consider is how well you did at re-balancing your portfolio during the past few years of market volatility. I know that I'm OK when it comes to not touching my investments based on...

I'm in the same boat as you -- well, a similar boat, just a few years ahead of you down the river ... We started a 529 (NY as well) for our first child in the year he was born, and maxed out the 10K contributions to it for the first 3 years of his life. When kid #2 came around, we opened one...

I tried kicking off TurboTax the other day, and Vanguard had not yet released the tax documents for some of my accounts ... I didn't have time to look into whether that was true or only a temporary glitch with the TurboTax software, but I was surprised.

It's never taken me longer than 4 months to find a job either, but I've never lost a job during such a terrible economic crisis. So I'd say beef up the emergency fund to 12 months. Other than that, sounds like you're doing great so I second what everyone else said about chasing the girls in a...

Heck yeah -- the FIREd are the ideal group that fits that category. But it doesn't fit the bill for most Young Dreamers. ;)

I think the answer is highly dependent on a myriad of facts we don't know about your personal situation (family situation, career stability, age, chances of wanting to move in the next 10 years, FIRE goals, savings/investments etc.). For certain people, buying a house now probably makes sense...

Step 1 = get a job that pays the bills for you, your wife, and your child Step 2 = spend less than you earn, while pursuing your other interests (the online business, real estate, etc.) and reading up on the basics of index funds and low-cost investing (many great books out there, and lots of...

Just checked ... 18.5%

We're about the same age. I'm at gig #5 now, although I made a career change for this one. Wouldn't be surprised if I end up at gig #6 before long. So, no -- for our generation, I don't think you're atypical. Sorry to hear things are getting ugly at w*rk; hope you find something better soon.