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You have been soooo helpful. Thanks so much! to add a little... If I were to live off of the lump sum, as stated earlier there are 3 more lump sums coming in every 2.5years. so I'll have future opportunities to adjust my plan as needed, as well as I could adjust the 401k contributions anytime if ne...

I understand. I think maybe my idea, was more simple, but not as good. (as i planned on living off the earned income, but this would force me to keep the lump sums in my taxable account) I don't mind providing specifics though. We each receive 1k in annuities, and half of that will stop. Nov 1st we...

the issue we will run into with the 401ks being maxed however, is that once the lump sum comes later this year, we will lose part of our monthly annuity income which we have been using to max our Roths/live off of. And so, we will need to live off of our earned income, and maxing the 401ks will tak...

I agree with paying off any debts but if I am understanding correctly, it looks like you have not been maxing out your 401ks. You mention that you were in the 15% tax bracket so it is possible that your current income does not allow you to max out your 401ks and meet your living expenses. If that is...

I had the same problem. Unfortunately, I am overseas so calling during business hours is a problem. I sent them a secured e-mail explaining the issue and hopefully I'll hear back something soon...

I have been a member for 13 years and have financed a car loan with them and have nothing but good things to say. Additionally, my sister went through a divorce and needed to refnance the house to get her ex-husband's name off the title. Her credit was good but she still had a fair amount of debt. T...

This is a good problem to have - My wife recently accepted a new job and we will be above the income phase out for our Roth IRA's next year. This is even assuming that I max my 401k (wife does not have 401k option), we will still be far above the limit in 2013. I am in a similar (lucky!) situation....

I am rebalancing now. My TSP will be rebalanced today and my IRA will be done in a few days when I make my 2013 contribution.

My FSA account is linked to my health insurance plan so whenever I pay for something, they automatically reimburse me for it. Every year, I estimate what my expenses are going to be. I then set my limit a little under. Since I don't have to worry about the paperwork, it is totally worth it. If I had...

As I read through these responses, I see two important omissions: 1) Little acknowledgment of why manners dictate that one does not request additions or changes to what the host is providing. It is quite simply that the host is making a gift to you of whatever he is serving, the setting he has esta...

For your physical address you claim the same address that you had when you claimed the residency. It doesn't matter that you don't live there anymore. When I joined, I was renting an apartment in GA. GA was my state of residence for the entire time and I used that address for the enire time as well....

My number is 4 but I need to know them for work and have lived in countries where they are spoken. My employer has a fantastic language program.

I would be careful selling them an older car. I looked into sellling my car to Carmax when I was moving overseas in Dec 2009. I had posted it with autotrader and wasn't sure it was going to sell before I had to leave. The car was a 2003 VW Jetta with very low mileage. The price that they offered me ...

I assume that your 403b doesn't have a match in which case focussing on your IRAs is smart. If it does, then I would recommend putting in what you need to get the match. I think you should add bonds to reduce your risk. In January 2010, I knew I wanted to add bonds to my portfolio but I wasn't sure ...