Search found 436 matches
- Fri Jan 05, 2024 7:25 am
- Forum: Personal Finance (Not Investing)
- Topic: Doing QCDs before RMDs?
- Replies: 19
- Views: 2031
Re: Doing QCDs before RMDs?
Doesn't the QCD at 70 1/2 and before RMD age, just NOT count as income (to your AGI) upon withdrawal thus reducing the amount that is subject to RMD once you turn 73? So effectively you are withdrawing the QCD without any tax implications once it is settled on your tax return for that year.
- Mon Dec 25, 2023 7:14 am
- Forum: Investing - Theory, News & General
- Topic: A Christmas Message
- Replies: 140
- Views: 14232
Re: A Christmas Message
Merry Christmas & Happy New Year! Thanks to all the men and women who today are willing to serve our country.
- Sun Oct 29, 2023 3:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: Medicare Questions
- Replies: 23
- Views: 1563
Re: Medicare Questions
Yes, Part B is deducted from your SS assuming you are receiving SS benefits.
No sure on state tax,,,live in Texas.
No OP Max with Supplemental plan G as there was with traditional medical plans.
Yes,,,Supplemental covers the 20%. Make sure your doctor accepts Medicare assignment before using them.
No sure on state tax,,,live in Texas.
No OP Max with Supplemental plan G as there was with traditional medical plans.
Yes,,,Supplemental covers the 20%. Make sure your doctor accepts Medicare assignment before using them.
- Tue Jul 04, 2023 7:13 am
- Forum: Investing - Theory, News & General
- Topic: What allocation did you or are you going into retirement with and why
- Replies: 87
- Views: 8707
Re: What allocation did you or are you going into retirement with and why
40/60 s/b,,,no need or desire to take additional risks
- Wed Feb 22, 2023 7:24 am
- Forum: Personal Investments
- Topic: Withdrawal experience
- Replies: 24
- Views: 2060
Re: Withdrawal experience
8 years and up about 10%
- Mon Dec 27, 2021 4:33 pm
- Forum: Personal Investments
- Topic: Resetting Near Retirement
- Replies: 6
- Views: 1506
Re: Resetting Near Retirement
If all the funds are in tax-deferred accounts (IRA, 401k, etc.) there are no capital gain/loss issues on trade if the money was transferred to a tax-deferred MMA. If you made a distribution from a tax-deferred account to an after tax MMA, then yes the taxman awaited as this is taxed as ordinary income.
My experience has been that lump sum investing has worked better for me than cost averaging back into the market but it depends on how well you sleep at night with that.
My experience has been that lump sum investing has worked better for me than cost averaging back into the market but it depends on how well you sleep at night with that.
- Sun Dec 12, 2021 8:40 am
- Forum: Personal Finance (Not Investing)
- Topic: Medicare IRMAA income thresholds for premiums to be charged during 2023
- Replies: 20
- Views: 7098
Re: Medicare IRMAA income thresholds for premiums to be charged during 2023
This is always a tough call in terms of how far you push your 2021 income to stay below the 2023 IRRMA. Assuming the 2023 income limit will be in the $188-$190k range for MFJ, I would tend to stay a few thousand below this,,,because things happen.
- Sun Dec 05, 2021 7:51 am
- Forum: Personal Investments
- Topic: Questions for Retirees - How many years in fixed income?
- Replies: 71
- Views: 7136
Re: Questions for Retirees - How many years in fixed income?
Depends on many factors but I have 15 years of fix income assets and that does not include SS income.
- Fri Oct 29, 2021 8:28 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can retirees obtain a mortgage?
- Replies: 18
- Views: 2825
Re: Can retirees obtain a mortgage?
I had no problem to get a mortgage with a demonstration of consistent monthly income. I had systematic 401k withdrawals, SS from my wife and a small amount of w2 income. In the end, I paid for with cash anyways.
- Sun Oct 24, 2021 5:52 pm
- Forum: Personal Investments
- Topic: Advice on retirement with high levels of charitable donations
- Replies: 36
- Views: 3160
Re: Advice on retirement with high levels of charitable donations
A DAF allows me to take the deduction in the year I contribute to it but then I can distribute the donations over any given period of time/years to many different charitable organizations. As a result, these contributions normally grow over time.prioritarian wrote: ↑Sun Oct 24, 2021 5:36 pmI already do this via bunched direct appreciated ETF donation and don't yet see the advantage of a DAF (given the small expense fee). Am I missing some other advantage of a DAF?Mike Scott wrote: ↑Sun Oct 24, 2021 4:58 pm For now, donating taxable stock which has the highest capital gains could be done directly or through a DAF using "bunching" up to the number you chose or the maximum annual deductible level.
- Wed Sep 08, 2021 10:02 am
- Forum: Personal Consumer Issues
- Topic: Cost to Install Electrical to Outside Shed
- Replies: 37
- Views: 5648
Re: Cost to Install Electrical to Outside Shed
A decent idea of what using a trencher looks like https://www.youtube.com/watch?v=hrYTfayUBJg 100', depends on if there are rocks or not, but figure it's a full day's work. I'd figure someone will want $1000-2000 to do the job for you (just the trench). You are going to permit this, yes? Figure $1000-2000 for the electrician's work (prob 1.5 days for him/her including inspection and materials) I'd say you're at $1-2K if you dig the trench, $3-4K if you hire it all out. That doesn't include any landscaping repair as needed Thanks for the overall summary. Yes I was expecting this range myself. I really don't want to do the trenching. The top soil is 6" of sandy clay underlain by small gravels. The first 40' from the panel would be in a ...
- Wed Sep 08, 2021 9:52 am
- Forum: Personal Consumer Issues
- Topic: Cost to Install Electrical to Outside Shed
- Replies: 37
- Views: 5648
Re: Cost to Install Electrical to Outside Shed
I think that this could work for the lights/power tools but would this be advisable in running a small AC for 1-3 hrs?lakpr wrote: ↑Wed Sep 08, 2021 9:34 am Not answering your question directly ... but wouldn't buying a very long extension cord, along with a reel, do the job for you on those infrequent occasions that you actually use the power tools?
I have a big yard too, and my shed is about 70 ft away from my home. This is the workaround I came up with.
https://www.homedepot.com/p/200-ft-10-3 ... /314602985
You can perhaps mount the reel and the extension cord on to the wall of the shed, then extend it and connect to a power source in your main home as needed.
- Wed Sep 08, 2021 9:27 am
- Forum: Personal Consumer Issues
- Topic: Cost to Install Electrical to Outside Shed
- Replies: 37
- Views: 5648
Cost to Install Electrical to Outside Shed
I have an outdoor shed (12 x 20) that I want to connect to power at house. Shed is about 100' from electrical panel. In the shed I need power for a few small tools/drill press, lights and a small window AC (6000 BTU). What kind of price ranges would I expect from certified electricians? What are some key items I should be aware of as I compare bids?
- Thu Jun 10, 2021 7:05 am
- Forum: Investing - Theory, News & General
- Topic: What is your age and asset allocation ?
- Replies: 1156
- Views: 150732
Re: What is your age and asset allocation ?
67 years young
40/50/10: equities/bonds/cash
cash consists of mainly of CD's, stable value funds,IBonds
40/50/10: equities/bonds/cash
cash consists of mainly of CD's, stable value funds,IBonds
- Tue Apr 27, 2021 9:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: What Were Your Regrets after Retiring? (serious question)
- Replies: 334
- Views: 57016
Re: What Were Your Regrets after Retiring? (serious question)
The only regret that I can think of is that I wished I would have had a larger brokerage (after-tax) account going into retirement. The main reason is to be more aggressive with Roth conversions.
- Thu Apr 01, 2021 7:34 am
- Forum: Personal Investments
- Topic: Vanguard site issues
- Replies: 50
- Views: 5781
Re: Vanguard site issues
my issues are not in brokerage accounts. Vanguard is aware of the problem. Perhaps it is their April Fool's on us!
Issue appears to be resolved.
Issue appears to be resolved.
- Thu Apr 01, 2021 6:56 am
- Forum: Personal Investments
- Topic: Vanguard site issues
- Replies: 50
- Views: 5781
Re: Vanguard site issues
Yes,,,me too. I am not seeing interest applied to 4/1. This is the first time I have ever not seen the transactions not appear on the first of the month.
Contacting them now. Investment services say,,,we have no clues but should show up today.
Contacting them now. Investment services say,,,we have no clues but should show up today.
- Tue Mar 30, 2021 6:35 am
- Forum: Personal Consumer Issues
- Topic: High spenders what do you spend on?
- Replies: 257
- Views: 32866
Re: High spenders what do you spend on?
I stay below IRMMA but this last year some of the expenses were:
Gifts to grandkids (includes 529 plans)
Annual gifting to children
Vacations - domestic
Healthy foods
New house to live near grandkids
Playset in backyard for grandkids
Charity gifting
At home exercise equipment
New telescope
Annual Zoom membership of course (my wife & I are involved in multiple teaching endeavors)
Eventually I will need a new vehicle (12 years old)
Gifts to grandkids (includes 529 plans)
Annual gifting to children
Vacations - domestic
Healthy foods
New house to live near grandkids
Playset in backyard for grandkids
Charity gifting
At home exercise equipment
New telescope
Annual Zoom membership of course (my wife & I are involved in multiple teaching endeavors)
Eventually I will need a new vehicle (12 years old)
- Mon Feb 01, 2021 12:07 pm
- Forum: Personal Consumer Issues
- Topic: Sellers Shield Legal Protection - Worth it?
- Replies: 6
- Views: 5347
Re: Sellers Shield Legal Protection - Worth it?
Yes I agree. Also (under the policy) you don't get to choose your own attorney to represent you but they have a list of theirs. This is only for legal protection and not for any repairs that may be required.
- Sun Jan 31, 2021 8:04 am
- Forum: Personal Consumer Issues
- Topic: Sellers Shield Legal Protection - Worth it?
- Replies: 6
- Views: 5347
Re: Sellers Shield Legal Protection - Worth it?
Thanks for the comments and I agree. My first response was, I don't think so. However, I am curious whether anyone has actually purchased this product and then had to use it after the sale. Was it worth then?
- Sun Jan 31, 2021 6:35 am
- Forum: Personal Consumer Issues
- Topic: Sellers Shield Legal Protection - Worth it?
- Replies: 6
- Views: 5347
Sellers Shield Legal Protection - Worth it?
I am selling a house and I was given the "opportunity" to purchase legal protection of up to $20k in the event that a buyer would sue me for up to 2 years after the sale (Sellers Shield is selling this at sellersshield.com). Cost is about $300. Does anyone have any experience with this type of insurance? Is it worth it?
I will be disclosing all issues with the house beforehand but after the sale, anything could happen that is beyond my control but I guess people will sue just because they can.
I will be disclosing all issues with the house beforehand but after the sale, anything could happen that is beyond my control but I guess people will sue just because they can.
- Thu Jan 07, 2021 5:35 pm
- Forum: Personal Investments
- Topic: Question about portfolio holdings
- Replies: 4
- Views: 409
Re: Question about portfolio holdings
Total stock holds mid and small cap funds
but not international stocks
but not international stocks
- Sat Jan 02, 2021 1:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: Wait until 70 to take social security?
- Replies: 161
- Views: 19203
Re: Wait until 70 to take social security?
Thanks, that worked!ObliviousInvestor wrote: ↑Sat Jan 02, 2021 7:59 amTry "shift + refresh" in order to clear your browser's cache. There was an update yesterday relating to the new year, and your browser may be loading a cached version of the code.
- Sat Jan 02, 2021 7:51 am
- Forum: Personal Finance (Not Investing)
- Topic: Wait until 70 to take social security?
- Replies: 161
- Views: 19203
Re: Wait until 70 to take social security?
Is the Open Social Security software working? When I attempt to run a married scenario, it locks up. Using Chrome to run.
- Wed Dec 23, 2020 5:58 pm
- Forum: Personal Consumer Issues
- Topic: What exactly are YOU doing in retirement?
- Replies: 93
- Views: 10744
Re: What exactly are YOU doing in retirement?
Retired at 60 now 66. I work part-time teaching online geology (I am a geologist) at a 4 year college. I lead a men's Bible study for 9-month studies (now Zoom). During pre-COVID times, I spend time with these men in breakfast & luncheons. I did a lot of travel pre-COVID to National Parks. Participate in many online science/faith forums. Lots of reading. Now spend time riding bike and bought treadmill. Many hikes with wife. Moving in 2021 to be in same neighborhood with two grand-daughters. Participate in local Bogleheads chapter once/month. Lots of house projects, working with rocks and wood. I am blessed.
- Tue Nov 10, 2020 4:35 pm
- Forum: US Chapters
- Topic: U. S. Marine Corps Birthday
- Replies: 57
- Views: 7700
Re: U. S. Marine Corps Birthday
Semper Fi Marine brothers.
245 years!!!
Robert, USMC
1973-76
245 years!!!
Robert, USMC
1973-76
- Sat Oct 31, 2020 10:15 am
- Forum: Personal Investments
- Topic: Retired young - what to do with 401k from employer?
- Replies: 25
- Views: 3934
Re: Retired young - what to do with 401k from employer?
I kept my 401k assets in the 401k for these 3 reasons:
1: asset protection on liability
2: institutional shares were cheaper in the 401k than the IRA
3: I had access to a Stable Value Fund
1: asset protection on liability
2: institutional shares were cheaper in the 401k than the IRA
3: I had access to a Stable Value Fund
- Mon Oct 19, 2020 6:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I take Mortgage with Higher Rate?
- Replies: 11
- Views: 1378
Re: Should I take Mortgage with Higher Rate?
It's not that it won't sell, it's the timing of the sell of the house with the completion & closing of the new house. Hopefully the stars will align and no mortgage will involved. However if I have to move forward with a mortgage, I will reduce closing costs by taking a higher interest mortgage. Once the current house sells, I pay off the mortgage.
- Mon Oct 19, 2020 5:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I take Mortgage with Higher Rate?
- Replies: 11
- Views: 1378
Re: Should I take Mortgage with Higher Rate?
I had to check my projected 2021 fed taxes. It looks like I would still itemize in 2021 even without the mortgage interest. I believe you are correct but I'll have to see how everything plays out as time progresses. The key would be to minimize the closing costs as much as possible. Thanks for the insights.
- Mon Oct 19, 2020 2:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I take Mortgage with Higher Rate?
- Replies: 11
- Views: 1378
Re: Should I take Mortgage with Higher Rate?
Thanks for the input, I'll check the refinance threads. Loan amount is around $300k. Closing credit will add in landscaping costs after move-in.
- Sun Oct 18, 2020 9:03 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I take Mortgage with Higher Rate?
- Replies: 11
- Views: 1378
Re: Should I take Mortgage with Higher Rate?
First house is paid for. Thus the only liabilities is upkeep and taxes/HOA. Yes the higher interest mortgage would save me $4500+$500 = $5000 (minus th $2500 in interest, which I would deduct in 2021). Yes I plan on itemizing in 2021 as I do lump charitable contributions every other year via a DAF.
I have never done anything like this so its good to talk and seek other opinions.
I have never done anything like this so its good to talk and seek other opinions.
- Sun Oct 18, 2020 5:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Should I take Mortgage with Higher Rate?
- Replies: 11
- Views: 1378
Should I take Mortgage with Higher Rate?
I am in the process of selling my existing house and buying a new house. The timing on this combination is obviously important. My goal is to sell my existing home (good market and house paid for) and use the proceeds to pay for the new house (thus no debt). In theory and with the right conditions/buyers it should work. However as a backup plan, I am already qualified for a mortgage. If this occurs I would retain the mortgage for 2021 because it will align with my federal tax strategy for 2021 (no state tax). I could reduce my closing costs (by $4500) by taking a 4.25% instead of a 3% mortgage but have $2500 more in interest for 2021. However this additional interest would result in additional $500 refund in fed taxes (itemizing for 2021). ...
- Sun Sep 06, 2020 6:15 am
- Forum: Personal Finance (Not Investing)
- Topic: What is Best Path to Buy House in Retirement
- Replies: 4
- Views: 1019
Re: What is Best Path to Buy House in Retirement
Interesting,,,,On the 60-day IRA rollover, I assume that if this done successfully then the IRA withdraw is NOT considered taxable income for the year? If I miss the 60-day window, then it is considered taxable income?
Also, I want to make sure I DO NOT have any tax withholding done at the time of the IRA distribution.
Obviously because I'm 66, the penalty aspect of the IRA withdrawal doesn't apply anyways.
Also, I want to make sure I DO NOT have any tax withholding done at the time of the IRA distribution.
Obviously because I'm 66, the penalty aspect of the IRA withdrawal doesn't apply anyways.
- Sat Sep 05, 2020 6:45 am
- Forum: Personal Finance (Not Investing)
- Topic: What is Best Path to Buy House in Retirement
- Replies: 4
- Views: 1019
What is Best Path to Buy House in Retirement
My wife & I currently own our house but are planning on moving next year to be closer to family (same state and within 2 hours). The market value of our current house is around $385k and the new construction we are considering is around $370k after upgrades. House available March/April 2021. Most our assets are within tax-deferred and some tax-free assets. We could pay cash easily for the new house but that tax bill would move us from the 22% bracket to the 35% for that tax-year. In addition my Medicare IRMMA bracket would jump over $3800/year starting in 2023 (for that one year). I was pre-qualified (due to income streams of wife’s SS, my small W-2 income for part-time teaching and some pension income) for a conventional loan for $370k...
- Fri Aug 07, 2020 6:50 am
- Forum: Personal Finance (Not Investing)
- Topic: Retirees: your retirement vs. your parents
- Replies: 20
- Views: 3048
Re: Retirees: your retirement vs. your parents
My parents lived pretty much paycheck to paycheck. However they also raised 5 children and always had a nice car in a good neighborhood. My dad was a disabled vet and received compensation but died an early death in his mid-40's. My mother worked for the same manufacturing company for 30+ years and received a nice pension. My mother was the book-keeper in the family. She didn't understand investments but avoided debt so in the end, she did ok and lived well into her 80's. What I learned is that in life there are no guarantees that you will ever see long years and that life is not fair. They insisted that I get a college education (first in the family). This provided me opportunities that my parents did not have and for that I am very gratef...
- Sat Aug 01, 2020 8:56 am
- Forum: Personal Investments
- Topic: After 65 Roth Conversion and SS at 70
- Replies: 19
- Views: 2156
Re: After 65 Roth Conversion and SS at 70
I agree with your planning and the recommendations to watch your marginal tax rate for Medicare IRMMA thresholds. You may also want to consider a HSA to reduce your AGI for tax purposes.
- Tue Jul 14, 2020 4:23 pm
- Forum: US Chapters
- Topic: Interest In forming North Texas Boglehead Group
- Replies: 48
- Views: 17492
Re: Interest In forming North Texas Boglehead Group
We could setup a Zoom meeting this weekend. I will PM the other individuals that were interested and see what level of interest still remains.
Please check your PM (personal messages) and send me your email address and I will send the Zoom ID and password for this Saturday's initial meeting. So far only 2 are signed up.
Please check your PM (personal messages) and send me your email address and I will send the Zoom ID and password for this Saturday's initial meeting. So far only 2 are signed up.
- Sat Jun 27, 2020 9:09 am
- Forum: Personal Consumer Issues
- Topic: What is the single best piece of exercise equipment you bought for your home?
- Replies: 259
- Views: 23365
Re: What is the single best piece of exercise equipment you bought for your home?
I got a Sole treadmill. Along with my bike, a great daily 1-2 punch! I also got a $209 refund from my annual gym fee.
- Tue Jun 23, 2020 5:24 am
- Forum: Personal Consumer Issues
- Topic: Ceiling Fan and Light on Porch with 7.5 foot ceiling
- Replies: 23
- Views: 1927
Re: Ceiling Fan and Light on Porch with 7.5 foot ceiling
I have this Hunter fan for less than $200:
https://www.lowes.com/pd/Hunter-Port-Ha ... 1001774592
https://www.lowes.com/pd/Hunter-Port-Ha ... 1001774592
- Mon Jun 15, 2020 7:04 am
- Forum: Personal Investments
- Topic: Retire at 55 in 6 months- doable?
- Replies: 16
- Views: 3965
Re: Retire at 55 in 6 months- doable?
I would also consider doing a HSA for both you and your wife. That will help with your tax bill on possible Roth conversions.
- Sat Jun 13, 2020 5:24 am
- Forum: Personal Finance (Not Investing)
- Topic: Over IRMMA Income Limit for One Year
- Replies: 5
- Views: 665
Re: Over IRMMA Income Limit for One Year
AT least "the mistake" to go over the IRMMA limit this year is intentional on my part and not a surprise to me.
- Fri Jun 12, 2020 10:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Over IRMMA Income Limit for One Year
- Replies: 5
- Views: 665
Re: Over IRMMA Income Limit for One Year
Hurricane analogy makes me nervous. My house was hit by Hurricane Ike in around 2009. So I appeal it if I feel there was one of the life-changing events. If not, I pay the tax and then expect Medicare/SS to adjust downward in 2023?
- Fri Jun 12, 2020 9:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Over IRMMA Income Limit for One Year
- Replies: 5
- Views: 665
Over IRMMA Income Limit for One Year
I may be going over the IRMMA income limit (MFJ) for 2020. I am on Medicare but my wife is only 62. However this income increase is only for one year (2020). I assume that my Medicare premiums will increase in 2022 to the next Tier.
If my AGI beyond 2020 is going to be below the IRMMA income limit, will Medicare automatically adjust my Medicare premiums downward? There is no major life change occurring here except that I have a need for the income in 2020.
If my AGI beyond 2020 is going to be below the IRMMA income limit, will Medicare automatically adjust my Medicare premiums downward? There is no major life change occurring here except that I have a need for the income in 2020.
- Sat Jun 06, 2020 5:05 pm
- Forum: Personal Investments
- Topic: Retirees: what is your AA?
- Replies: 80
- Views: 6047
Re: Retirees: what is your AA?
At 66, I keep it in the range of 35-40%/55-65%/5-10%. I will start SS at 70, no pension.
- Fri May 29, 2020 6:32 am
- Forum: Personal Finance (Not Investing)
- Topic: Career advice for science PhD student
- Replies: 78
- Views: 8009
Re: Career advice for science PhD student
For me I found great satisfaction working geochemistry (organic) in the energy industry. Really good pay and benefits. I would also consider NASA considering their goals for the next 10-20 years.
- Fri May 29, 2020 6:26 am
- Forum: Personal Consumer Issues
- Topic: Pandemic buys that have improved quality of life?
- Replies: 185
- Views: 23076
Re: Pandemic buys that have improved quality of life?
Treadmill for jogging, telescope for astronomy viewing.
- Thu May 07, 2020 6:34 am
- Forum: Personal Finance (Not Investing)
- Topic: How Do Early Retirees Pay for Medical
- Replies: 132
- Views: 13300
Re: How Do Early Retirees Pay for Medical
If you a military veteran (honorable discharge), you may qualify for veterans benefits (VA Care). There may be some costs depending on your income. However, your spouse would not be covered.
https://www.va.gov/health-care/eligibility/
https://www.va.gov/health-care/eligibility/
- Sun Apr 19, 2020 6:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Are we doing everything we could with personal finances?
- Replies: 17
- Views: 2958
Re: Are we doing everything we could with personal finances?
Not sure of ages but I assume you have some life insurance/disability insurance?
- Sat Apr 18, 2020 5:33 am
- Forum: Personal Consumer Issues
- Topic: Frugal quarantine habits to keep
- Replies: 87
- Views: 9655
Re: Frugal quarantine habits to keep
I got a treadmill. I still will go to my local gym but it is nice having an alternative at times. Also now doing the post office online and having them pickup packages from my front door. No need to go to the post office.
- Sun Apr 05, 2020 8:26 am
- Forum: Personal Investments
- Topic: For Retirees Without Pensions .... Fixed Portion?
- Replies: 32
- Views: 3725
Re: For Retirees Without Pensions .... Fixed Portion?
I'm 65 with no pension and waiting for SS at 70. Currently AA is about 35/55/10 with 30x safe assets. Fixed portion is in Stable Income fund 20%, Total Bond 50%, Short Term UST 15%, CD's 10% and other online savings 5%. Withdrawals are currently from Stable fund (highest ER fund I have) until SS kicks in at 70. Wife will begin SS at 62 this year.