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Our church has a beautiful memorial garden where cremains are buried. There is a bronze plaque on the wall of the garden listing those whose remains are buried. This will be our final resting place.

43 years total. 5 years in banking and teaching. 38 years as a full time church music director.

Living in Georgia and living on the income parameters you set we pay no income tax in Georgia because of a generous retirement income exclusion. Our effective Federal tax rate is 3% or less because we use Qualified Charitable distributions from our Required Minimum distributions.

We have four adult children in their 30's and 40's. They all text because we have smartphones. One doesn't listen to phone messages because her mailbox is full or not set up. She communicates through texting or Facebook Messenger. If the nature of her text needs further clarification I call...

I didn't read all of the posts so this may be a repeat. You can use RMD's to do Qualified Charitable Contributions. This reduces taxable income by the amount you donate. For some this is a good solution since the standard deduction now is higher than itemizing deductions.

tired of 24 hour news shows I used to watch the news every morning for a couple of hours but have given that up. There is about 3 minutes of news and 57 minutes of commentary by a variety of talking heads that rehash everything over and over. It's contentious and tends to be stressful for me so...

Roth IRA's in retirement The money we put in our Roth IRA's is earned income which is the only way we can contribute to a Roth as far as I know. Perhaps I should have said we put all of our earned income into our Roth's up to the allowed maximum of 6500 each. The money from our RMD's is taxed...

MRD My wife works part time and I’ve been retired for five years. We contribute the full amount of her earnings to our Roth IRA’s using RMD. The rest goes into a money market account for unexpected expenses, home improvements, and travel.

Have any of you used Value Line for picking stocks for investment? What are your experiences using the materials and what have your results been?

I took SS at age 66 which is my FRA and I stopped working. My wife took hers at age 65 which is a year before her FRA and she receives spousal benefits on my earnings record. We will be living on SS, our investments and my wife's part-time earnings until she decides to quit her very part-time...

We would miss seeing our children and grandchildren on a regular basis.

The backbone of any musician's education revolves around the ability to play the piano, or in this electronic age, the keyboard. It combines note reading, score reading, the coordination of the brain to the hands and the coordination of both hands playing together. When you learn that you have a...

If you include the equity in a personal residence a part of net worth, two events contributed. My grandmother died in 1970 when I was 22. She left me $7,000 which my wife and I used to buy a house in a MD suburb of D.C. We probably would not have been able to buy the house without that down...

I drove to Walgreen's at 11:30 a.m. with someone else who needed to pick up a few things and I saw a jar of Planter's peanuts on sale for $1 (normally $2.50 at Walmart.) That was a good deal so I bought a jar! That's the extent of Black Friday shopping this year.

Lookout Mountain, Georgia (suburb of Chattanooga, TN) About 3,000 sf (one and a half story built in 1960) 4 b.r. 3 full baths, l.r. , d.r., kitchen, den, extra room, large screened porch, nice lot, mountain views about $280,000 market value $2400 total city and county tax $1200 insurance

In Firecalc the portfolio modeling asks what portion you have in equities. The long interest rate (how long?) is a choice for the fixed income portion. What would the definition of long interest rate be? An example of a Vanguard or Fidelity fund that satisfies the definition of long interest...

Thanks for the suggestions.

My risk tolerance is fairly high and my investment horizon for this fixed income portion would be long term. I'm still working but would like to retire from full-time work in a couple of years. My portfolio (about 250K) has about 80% individual stocks and stock mutual funds and the rest is in a...

I'm new to this forum and have been reading it for a few months. There is a lot of interesting advice on portfolio diversification. I have very little in my retirment portfolios in the way of fixed income investments and I need to diversify. I am going to be rebalancing soon and would like to...