DirectC51

I've been thinking about moving from spreadsheets to a paid retirement planning software and can't figure out why they fail to model such basic things. I've signed up for the free trials of ProjectionLab and Boldin, and feel like it's been such a waste of time inputting all my data just to find out the software fails at a very fundamental level.

For example, ProjectionLab doesn't give you any option on which account Roth conversions come from. My spouse and I both have large 401ks that we will be Roth converting from. ProjectionLab does all of the conversions from the higher initial value account first, then switches to the lower value account. This causes my spouse to have significant RMDs

I'm in a one-more-year scenario which I believe to be fairly unique and I can't quite figure out how to think about it. I'm 40 years old. We have reached our FIRE number and can easily retire today. However, I am struggling with leaving so much money on the table if I retired. I make about $200k per year and do very little work.

I work 7 days on, 7 off, 7 nights on, 7 off. 12 hour shifts. I am on call in essentially an apartment, but I cannot leave the immediate area while on shift. I am here alone so I can really do whatever I want, have visitors, work out, sleep, whatever. During my week of day shifts I might have to work 3-4 times total for about 4 hours each time. During my week of nigh

I've been doing a lot of thinking, and planning, as I realize I am completely in one more year territory. After thinking about what would happen if I retired today, and the market was cut in half tomorrow, I realized that it doesn't matter. Using the same logic, I realized that you can always readjust your withdraw amount at every new ATH. This isn't a post about finding the ceiling of retirement spending, but instead about FINDING THE FLOOR.

ASSUMPTIONS:

3.25% SWR gives a 100% success rate for a 50 year retirement. Big ERN says 3.39% is 100% safe and I rounded down to 3.25%. In other words, if you invested at the absolute worst time in the history of the market, you would have survived at

I've been doing a lot of thinking, and planning, as I realize I am completely in one more year territory. After thinking about what would happen if I retired today, and the market was cut in half tomorrow, I realized that it doesn't matter. Using the same logic, I realized that you can always readjust your withdraw amount at every new ATH. This isn't a post about finding the ceiling of retirement spending, but instead about FINDING THE FLOOR.

ASSUMPTIONS:

3.25% SWR gives a 100% success rate for a 50 year retirement. Big ERN says 3.39% is 100% safe and I rounded down to 3.25%. In other words, if you invested at the absolute worst time in the history of the market, you would have survive

We are planning a 2 week vacation for May this year and just cannot decide where to travel to. After a lot of thinking about it, I think we have it narrowed down to the following wants in order from most important to least important.

-Seclusion. Beaches within a short drive where no one else will be.

-Accessible beaches. No private property, beach clubs etc blocking access.

-Warm water, Warm enough in May to swim comfortably in shorts.

- Beautiful sand beaches and clear water.

-Snorkeling from shore without a guide.

-Prefer shorter flights from the West Coast, but would travel anywhere.

-Language. Besides English, we can speak enough Spanish to get by.

- Budget is flexible w

I'm looking for an in depth book that describes the characteristics of the wine from every appellation, and the reason for these characteristics. A general description of each appellation and what styles of wines are made there. What varieties are used. The expected nose, flavors, acidity, body, secondary and tertiary characteristics etc, and the reason for these - climate, soil, exposure, winemaking decisions etc.

Does something like this exist? I have "The World Atlas of Wine", "Oxford Companion to Wine", "Windows on the World", "Wine Folly". While each of these are good books, especially the first two, none really go into any detail on what I am looking for. Thanks for the suggestions!

I’m looking for ideas on how I can more thoroughly scrutinize a buyer’s pre-qualification prior to accepting an offer. This is a multiple unit property in a HCOL area offering an assumable loan. Lot’s of dreamers, but I need a strong buyer. Pre-qual letters are too easy to get. What further can I use, or ask the buyer to provide? Already had one buyer with a strong pre-qual letter not qualify.

I know the obvious answer is to ask my agent. Unfortunately they are not as strong as I would have hoped, and we’re still contractually obligated to them.

I have 2 Wyze Garage Door Controllers with cameras. They do exactly what I need them to do. They provide constant video (one looks at the doors, one looks at the back wall and the walking door). I can open and close each of the garage doors with my phone. That’s all I want. I don’t want to stick a QR code sticker on my doors. Which wouldn’t even work since one of my cameras is pointing the other way. However, every time I open the camera/controller in the app, it gives me a calibrate popup. Is there any way to disable that option?

Alright I'm sure I'm missing something obvious here, but I cannot figure out how to do this. I have a residential subscription with a standard dish. I bought a mini that I would like to add to my account under a separate Roam subscription. How do I add the mini and another subscription? I've tried on the app and on the desktop version. The closest I can find is on the app is when I click on my residential plan name in the upper left corner, there is an option to "Set up another Starlink". When I click on that, it goes to a sort of welcome page, but nowhere is there an option to actually set up another dish or subscription.

I have a standard gen 3 with residential plan for our house in Mexico. Would also like to get a mini with a Mexican roam plan to turn on when traveling away from our house, then pause when not using. The mini is currently being sold in Mexico, but only for residential plans. The roam plan is only available for the standard dish. Makes no sense.

Any idea if/when the mini will be available for a Mexico roam plan?

I have an iPhone 14 Pro and am on FirstNet. My girlfriend has an older iPhone (12 I think) also on FirstNet. Her phone is always faster than mine. Our Cellular Data Options are set exactly the same. It is most noticeable when we are in Mexico. My phone is almost unusable and will often take 2 minutes to load any webpage while her's is testing at 20 mb/s. Any idea what's going on here? I've updated to latest iOS. I really just want to abandon FirstNet, but she is getting good speeds, so that must not be the only thing going on here.