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Hi, long time lurker. Hope all are healthy during these crazy times. My brother is 67 and still working out of necessity but would like to retire. He is great at assessing his financial situation. He is in San Diego area looking for an advisor who basically would do a FIRE assessment with him in...

Our house and autos have been covered by Nationwide for 30+years. Its expensive. Our friend told us about a local broker who got them a good deal on their insurance. I called the broker and she got us quote that would be about 1500 a year less than what we are paying now. However, the house is...

Sorry if this is too dumb a question. If I own shares with an ex-dividend date of 5/13 and sell them after that date but before the payout date, do I still get the dividend? If so how does that work if the sale goes through before the payout. Will the broker still get the cash for my account...

I have been a total return guy but becoming interested in going to a income/dividend portfolio. I searched and the was no poll that I could find except one that used total return vs a TIPS + 30% equity portfolio. Thanks Larry

I am sorry if this has been asked and answered previously. In the midst of a medical crisis and need quick answer. My DW is 64 and has been receiving SSD since 1995. I am 64. Can I get spousal benefits from her SSD and put off getting my SS benefits to anytime between 66-70? Thanks Larry

I maybe a mathematically dense for asking this but... I had VG Wellesley Income investor shares and this past October it was converted to Admiral shares. At that time the Investor share price was $21.74 and the Admiral share price was $52.68. The yield on investor class is 2.91% and 2.98% for...

5 years ago I set up roths for my 2 kids in VG Target Retirement 2035. This year is the first year there seems to be some gains. It is now up 20%.over the initial investment. Three and 1/2 years ago I set up an account for my grandkids inn VG Target Ret. 2020 and it is still at a loss. I know...

An accountant friend of mine suggested that I might want to invest in preferred shares of banks that are unlikely to go under. He said they are paying nice yields and they are well below the issue price at this time. I have done some researching at www.quantumonline.com . I am aware of the...

I have about 5 years of money that is used to supplement our pensions in a MM. This money will not be reinvested in stocks or bonds. Should this amount of cash be figured in to our AA or not. I have read somethings that say yes, others that say no. I have even read that pensions should be...

To pay for my father's care, I had to liquidate one of his IRA's. The amount was higher than the total of all the rmd's he would have to take this year. Do I still need to take RMD's from his other IRA's? Thanks Larry

I need to set up an irrevocable trust for my dad who is in a Alzheimer's assisted living. This, from what I have been told by others and on the www.veteranaid.org forum, is a way where he can qualify for a veterans benefit (Aid and Assistance) without having to go broke first. I have POA for him...

Since I have been retired for over 5 years and have not been able to add anything to my retirement portfolio I am wondering where I stand since I stopped adding money to the pot. Would comparing the cost basis/share of each fund against a current NAV be a fairly accurate way of doing this? If...

With the market tanking so, I'm sure my AA is off track - but when do you do it? In the midst of this downward turmoil or wait til it stabilizes - and who knows when that will be. :confused: I try not to pay too much attention to the markets decline but it's in your face all over. Larry

I tried to do a search here but got nowhere. The DW and I want to travel to Africa sometime this year. We have been on OAT (Overseas Adventure Travel) trips to China and recently Thailand and like the way they do things. Consequently, we are leaning towards them but open to other suggestions. We...

Wishing all you posters and lurkers best wishes for a healthy, prosperous, and happy New Year. Larry

My son' does not have any pension, 401k or any other employer offered retirement plan. He makes too much for a Roth. Is a Traditional IRA with it's 4k max the only tax qualified option he can use? Thanks in advance for your help. Larry

and he and his wife got about 45k in wedding presents. They asked advice about what to do with their money. They both earn a nice income, my DIL has regularly been saving for retirement (she's 30) and my son (age35) who just started earning some real $ is starting to put away for retirement...

I have 20% in Vanguard Int'l Index (VTRIX) and 8% in Emerging Market (VG E.M. fund and Matthews Pacific Tiger). I am comfortable with my AA percentages. However, VTRIX is primarily a value fund. Should I split some/all of it to a growth oriented int'l fund? Your thoughts will be appreciated. Larry

from my last post but oops. (Last post) "I thought I knew how to handle the 4% SWR but after reading a few threads and many posts I am confused. I am math dumb so please bear with me. Here's my hypothetical example. I start retirement with a 60/40 portfolio worth 800k. My first year's withdrawal...

I thought I knew how to handle the 4% SWR but after reading a few threads and many posts I am confused. I am math dumb so please bear with me. Here's my hypothetical example. I start retirement with a 60/40 portfolio worth 800k. My first year's withdrawal is 32k. In year 2, say the portfolio...

The DW and I will be going to Thailand and Cambodia the end of November. This will be our second trip with OAT ( went to China last year - great trip). Has anyone been there? Any tips/advice? Thanks Larry

My wife and I are retired. We have a combined total annual pension of 70,200. My wife already collects 16800/yr social security and I will get 22800/yr starting in 2015. We have over 900k in our diversified 60/40 portfolio. We put in a 90k annual spending and we keep getting a 0% chance of...

Just found these forums today - got it from the Diehards site. I am 59, retired 4 years ago. I was a Clinical Social Worker for NY State and in private practice. My wife and I wanted to retire early so we worked our butts off and saved. Moved to South Carolina from NYC where I had always lived...