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My DW and I are intending to start gifting to our son and daughter. Our son is married, therefore my DW and I can give each our son and stepdaughter the max of $14k/ea for a total transfer of $56k. Since our daughter is single we would be limited to a max of $28k to her. Can DW and/or I gift...

I turned 70 today so the question is not the usual debate - should I take SS early or take it later. That has already been determined for myself. My question is what month do I enter on the application as the starting month for benefits in order to receive the maximum SS benefits (132% of...

Can a person use MM funds held in a traditional or a ROTH IRA to purchase shares in a family ranch/farm (which is in the latter stages of being converted from a C-Corp to a S-Corp) and hold those shares in their traditional/ROTH IRA?

Murdoch is getting divorced again. His first divorce cost him $1.7B in 1999. At his present net worth of $9.4B, this divorce will also be costly. If he pays the same as in 1999, and she were to follow a 4% SWR, that would an income to $68M/year, or $186,000/day. Okay, there will be some expenses...

DW and I are leaving on a 4/5 week trip starting 1 Oct. Starting in WA state we will stop in Bozeman MT to visit FIL and MIL, then travel through Custer's Battle Field and the Bad Lands on the way to Dayton OH to visit DD. After several days (when our welcome becomes stale) head toward the...

IN CASE YOU DIDN'T ALREADY KNOW THIS LITTLE TIDBIT OF TRIVIA, ON JULY 20, 1969, AS COMMANDER OF THE APOLLO 11 LUNAR MODULE, NEIL ARMSTRONG WAS THE FIRST PERSON TO SET FOOT ON THE MOON. HIS FIRST WORDS AFTER STEPPING ON THE MOON, "THAT'S ONE SMALL STEP FOR MAN, ONE GIANT LEAP FOR MANKIND,"...

These are some of the most brutal and thuggish old folks we've ever heard of. Four German retirees, who are all between 61 and 80 years old, reportedly bound and gagged their financial adviser, broke two of his ribs while savagely beating him, drove him in the trunk of their car to a lakeside...

The U.S. Postalservice sent out a message to all letter carriers to put a sheet of Bounce in their uniform pockets to keep yellow-jackets away. Use them all the time when playing baseball and soccer. I use it when I am working outside. It really works. The insects just veer around you. All this...

Five years ago today was my last day of voluntary slavery. While the stock market has not been friendly to my portfolio over the last several years, the freedom has been sweet. :dance:

This could be the plot for a movie, "Fast and Furious Canada," or maybe "Fast and Furious, the Young and the Rich." Police in British Columbia say they impounded $2 million worth of high-end vehicles this week after witnesses reported the 13 cars racing on a metro Vancouver highway at speeds of...

A sweeping new plan to overhaul the Pentagon’s retirement system would give some benefits to all troops and phase out the 20-year cliff vesting system that has defined military careers for generations, the Military Times newspapers reported. The plan calls for a corporate-style benefits program...

Have any of you had dental work done in Mexico? If yes, how was the experience (quality of work; price; hassels; transfer of dental records;etc)? Having helped my dentist up north put all of his kids through high dollar private schools, I think it is time to give my wallet a break. I now...

I need help. I missed the application deadline (31 Mar 2011) for filing for Medicare Part B. The Social Security personnel said I could not enroll for this year (starts 1 Jul) unless I had a good excuse why I missed the deadline for filing. Can anyone think of good excuses I might be able to...

For ROTH conversions made in 2010 a person must choose whether to pay 100% taxes due on the conversion by either 4/15/2011 or 50% by 4/15/2012 and 50% by 4/15/2013. DW and I are trying to accelerate our conversions so we max out the 28% tax bracket. In 2010 DW converted $200k to ROTH and I...

I have been very bad. :hide: Retired 4 + years ago and have not been managing my investments. I had created a very crude excel spreadsheet (I had to manually input stock or fund values) to determine updates. More than a year ago my computer crashed and I lost all data. Since then I have been...

Does anyone have any good (blank) excel spreadsheets for tracking income; investments; withdrawals; and living expenses that they would be willing to share? ???

Have any of the prior/present military personnel used the Armed Forces Vacation Club? If yes, what were the pros and cons along with your satisfaction level. Any particulars would be greatly appreciated.

And the winner is - SecondCor521 with "4 days max" Second place - travelover with "1 week max" Third place - Texas Proud with "2 weeks" Now, what was the question? :confused:

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While at the BX last Friday I accidently came across a HP Photosmart printer, scanner, and copier (C4280) at a sale price of $49.99. The kicker is - there is a military rebate of $50.00. Getting paid to accept a new printer. Is this a great country, or what? Okay, it is only $0.01. Even if...

Silver stockpile down and relatively small. Yearly consumption outpacing production. Warren Buffet holding a significant quantity of bullion. Is silver due for a significant price escalation? :confused:

I have 2 financial advisors that have been breathing down my neck since May 07. Just as they were ready to sink their fangs into me and suck out my blood (money), I temporarily gave them the slip and found Early Retirement Forum. I have been keeping them at bay the last 2 months while reading...

What are your experiences/opinions investing in various American Funds? (Other than the negative of being a load fund. The load can be avoided by declaring you will have invested $1m+ over a period of 13 months and following through.) I am looking at long term - 10 years+. :confused:

What are your thoughts about converting all/majority of a person's Tradional IRA over to a ROTH IRA if you expect to be in a higher tax bracket in future years? :confused:

I just found Early Retirement Forum yesterday and I like it. However, if you have a subject you want to find that may have been discussed in prior threads, such as how to find a good financial adviser, how do you find it? It is not practical to attempt to look at every thread posted.