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I've been getting transaction free checks in the mail from Capital One for the last 4 months. I've been using them each month to make up the balance of my expenses and writting a new check the next month to pay Capital One plus that months expenses. I've had the use of free money. Monthly...

I'm thinking of this plan but have not implemented it yet. I retired 1 year ago. To date, I have not taken any funds from my tax exempt retirement accounts. I have a large Home Equity Line of Credit (HELOC) that I have not used. Interest presently is 2.75% if I borrow from this HELOC. I...

What do you think of this? Nords? Sure to make waves this summer, jet-powered surfboards

Penfed did it right. My CD that I reserved back in October for 10 years at 5% showed up in my account today. Dollars were transferred from my Traditional IRA Premier account perfectly. Thank you Penfed for this New years gift.

Just tried to log-on to Penfed's website to see how much money was left to fund their promotional CD rates / reservation. Can no longer fine that webpage. I was on it a few days ago. Did they exhaust the $240 million that they were looking for? I've reserved 5% CD's in the last 2 weeks.

I need a new battery for my Dell Inspiron laptop. Where's the best place to get one? Checked Ebay and it looks like you take your chances there. I want new, not nearly new or refurbished. Dell wants a small fortune. Any thought? Thanks.

I'll be rolling over my 401K in 8 months when I RE and am trying to determine if I should hold all under one house and if so which house to use. The new IRA will hold: 41.5% in 3 ETF's(non-Vanguard), 40% in 1 Oakmark Fund and 18.5% in 3 Vanguard funds(includes a money market fund where $ will...

You posted once that your PID ETF was in an IRA and you might be missing foreign tax credits. If the foreign tax credits were a "big deal" on your 2007 1099's you thought perhaps you would move them to a taxable account. What did you end up doing? Thanks.

What's the best way to rid your residents of these creatures? Thank.

I've often wondered whether I will buy a dental coverage plan. Right now, I think not. Thought I'd ask others. Reading "Nords" thread "...SS only..." got me thinking about it again. Right now my wife and I have an oral exam and cleaning once per year. Been doing this for decades. Only...

The only bond fund offered in my 401k is WACPX. Currently it makes up 45% of my 401k. The only other fixed income offering is a new stable value fund (less than 1 yr old) which yields a bit less. WACPX currently yields 5.2%. Morningstar has just dropped WACPX's rating from 4 stars to 3. I am...

I need to know how to figure my overall portfolio expense. I have 6 funds in portfolio. fund % of portfolio expense (%) 9 .24 9 .24 55 .86 11 .40 11...

Wife and I are heading to Albufiera on the Portugese coast in March, staying one week in a villa 200yds from the water. Any and all comments / suggestions about the area are welcome. Thanks

CyclingInvestor brought a point on another thread that I had not thought about. Retiring before years end, if you have $$ in an FSA account, does the law require you to use the money in the FSA prior to retirement date or do you have until years end (after retirement date)? If at retirement...

Looking for recommendations on a no-load global / foreign bond fund so I can do some DD. Fund must be unhedged. Thanks.

Work for a midcap size US company with 15000 employees. Planning to ER in 2 years but would seriously consider going earlier if offered a buyout, which could happen. From an average US company standpoint, what percent of my current salary would a reasonable offer be? I have no knowledge of what...

RATS!!! I just learned that my employer is changing fiduciaries of my 401k plan and DODBX will be dropped. I currently have 51% in this fund am 2 years from FIRE and my plan was to use this great fund as a core holding in retirement. As most know the fund is closed. My employer will not allow a...

In advanced FIRECalc, under "how much will you spend" screen, near the bottom are the squares you can check for Inflation adj. I have a non-cola'd pension coming when I retire. When I decrease my withdrawals by the non-cola'd pension amount, I do not check Inflation adj. square. Am I correct?

OK, I've got dedicated international exposure of 30% in my portfolio. But actually I've got more international exposure than that because many of the US equities that I hold also have international sales. Example, the US megacorp that I work for has international sales of 15%. Adding these...

Three years ago my father invested $200K into an IRA annuity with MetLife that is paying a fixed 5.3%. I am listed as the beneficiary. My Dad does not need this money nor will he need it in the future. He is not likely to annuitize it. He invested in this vehicle to protect the money due to my...

I keep $600 - $700 on hand. This would give me a start if there ever was another "Bank Holiday" declared due to a terrorist event or an event that we cannot even possibly conceive of.

My uncle was stationed in Pearl. commander in CINPAC fleet. He invited me over for 3 months during the summer of 1967, I was 16. Parents made stipulation that I would have to pay for 1/2 the flight cost. They loaned me the money and I flew student standby for $250 round trip. When I got to...

Been lurking here a year on this great board! Thanks to all for your posts. I am 56 and began to strategically plan for RE in1993. Come around 2003 a great, wise, successful friend of 75 years young began to prompt, mentor and educate me in all manners of FI. I am truely thankful to him for this...