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I am trying to figure out what will get me to ER faster. Should I use extra cash to invest or pay down debt? Debt being a mortgage and mortgage on a rental house. Investing would be adding to Dividend reinvestment plans. Thank you for any suggestions.;D

I add the 57500 back in because I would like to have cash reserve of 1 years expenses so I can have more flexibilty in when I withdrawal money.

Another question. How do I add in my SS because if it will be further in the future then when I start using my nest egg? Although SS will probable be around the same as any part time work. So I suppose I could plan to work part time until SS kick in. Also how will part time work change SS...

Thank you for all the help I will add in SS to income. I will also lower my taxable income.

I hope to retire early but am not sure if I will make it base on how this rough economy has treated my family. We have weather it better then most but still bean tougher then before. My concern about SS is how to account for what it will be if I stop working before I start collecting. Thanks...

I did not include mortgage in my living expenses because my DW and I will feel better without it. The following was just a simple example. I am not sure how to calculate my SS yet. I was also planning to work part time in semi retirement to hedge my bets a little. This income would be...

Hello everyone, I was wondering if everyone could help make sure I have calculated what I need to accumulated to get to FIRE. Here is my process. 1 Calculate yearly living expense 2 Multiplied living expense by 15% for taxes. 3 Add total yearly expense plus 15% taxes =1 year cash reserve 4...

I will have to look into them how is there customer service?

I know that is not real good diversification but it would be a portion of my cash not the majority. Does anyone know of any other demand notes?

His anyone used these? See article Duke, GE Tempt Savers With Higher Yield Than Money Funds - Bloomberg I know GE, Duke Energy and Ford credit issue them. They are not FDIC insurerd just wonderring if I spread my money around to all three to diviersify a little to creat a money market fund...

Hello Everyone, I was wondering if anyone had experience with online savings accounts or CD. I am looking for a place to build up a cash reserve. Maybe get a little better return. What has been your experience? Who do you use? Ally Bank? ING? MetLife? Discover Bank? Any others? Any advice...

Acctually I should of said I want more reward or growth but to get that I need to take more risk. This 401k is a small part of my overal portfolio. My overall mix is 65% equity and 35% bond. Most of the equity is large and mid cap stocks. I have little small cap and no international exposure. I...

Hello Everyone, I am thinking of adding either small cap or international stock fund to my current mutual fund mix of BGRIX 45% mid cap FBIDX 55% bonds. This is a fairly new 401k. My old one has been converted to IRA and hold alot of large cap stocks and bonds. I really trying to use this 401k...

Thank you for all the information. I have a lot mor research to do before I decide to buy an SPIA. Any other information would be greatly appreciated

Do all insurance companies have EZ qoute like Berkshire Hathway group? How do they compare to others?

Does anyone read the article on this website or are most of these contributer pump and dump stock traders? just wondering what everyone thinks. Stock Market News, Opinion & Analysis, Investing Ideas -- Seeking Alpha Paws

What is the advantage/ disadvantage of Vanguards ETF compared to regular mutual funds?:coolsmiley:

The bulk of our debt is mortgage debt except for a car loan but it is 0% rate so I am in no hurry to pay it off. I understand the bond fund will have some market risk. The fund will not be our emergency fund. It would be an investment used to generate some income. That income would be used to...

This is my plan to put the money in the bond fund and have monthly dividend sent to me. Use this money put on the mortgage every month. I would still have the original amount from the bond fund to cah out if I need it for any unknow future expense. As far as a taxable event I am not to...

We will still have plenty of term insurance plus what I get at work. It would be to pay down on the house. I am trying to speed up the process of getting out of debt. So we can get to FI faster. I also want more flexibility. Thanks Paws

Hello Everyone, My wife and and I have 4 life insurance policy we bought when we first got married. They now have a fairly large cash value. I am think of getting rid of the policy. My wife has been out of work for almost a year now and while are cash saving is no where near zero. I think...

Thanks for all the advice. I will check out the books. I am looking for books or article to help me plan for FIRE. So any suggestion would be a great help?

Hello everyone, I have had an on again off again relathionspip with my FIRE plan. I start the plan follow through for a while and then life seems to pull me away from the plan. I need some help getting back into the planing and following through. I think my problem is as I track the planit...

One thing I have not seen anyone mention is the fact that GM is off loading there healthcare benefits to the union in the next year or so. Isn't this the kind of new business model you guys are talking about. I am not sure why it is alright to bail out the banks but not the auto companies. Last...

Has any one read Retire On the House: Using Real Estate To Secure Your Retirement by Gillette Edmunds and James Keene. I checked it out of the library. Just looking for others opinion on it.