I spent a good while setting up lots of spending with flexible categories. I made the settings for increased and decreased spending based on market returns and my actual Chance of Success went up. However in the trials where I failed I did not see any noticeable changes in spending. Even though I had a 40% decrease set.
Is it not included or what am I missing?
I have been planning this for over a year, repeatedly discussing with my assigned Fidelity advisor that when initiated my rollover (partial) I would be able to select a single fund. I spent the last year moving funds around to properly setup that fund I wanted to rollover but when I come to do it this is not an option and I must partially rollover all funds. This will lead me to have to sell and rebuy to get myself aligned again.
My assigned advisor has a track record of being wrong sadly.
While writing this a colleague has told me that if I call in I should be able to do this so perhaps this is not going to be so bad.
I got a good discount for year 1. I am not my use can justify $99 for the second year. Is there a way to get a discounted 2nd year, otherwise I think I will have to cancel.
Thanks
I know people are down on Gemini at the moment but I have not had too many issues.
I like to ask Gemini to review the portfolios suggested by YouTube channels vs my goals. Today, for the first time, it generated a nice little analyzer allowing me to adjust the % of the funds mentioned by the YouTube channel to see impact.
Nothing earth shattering just interesting
The talk about the Boldin risk tool, which is useless IMHO, got me to think about this. I used a simple prompt.
Create a minimum 25 question questionnaire to help determine my risk tolerance for investing. Each question should have multi choice and not obvious answers. At the end perform a detailed analysis of my answers and create my personal risk profile
Gemini Pro was not so good as it used all my personal info and the quiz was far too tailored to me. Claude did a great job with broad questions.
This was the initial output
The detailed analysis was very thorough.
Tried calling in today and it asked me to enter my password using my phone meypad. Problem is I'm using a password manager and a very complicated password. Nothing I could do would get me in and no amount of hitting. #got me through. Eventually I found another number that did not require this.
​
Asking for a password to be entered by phone makes no sense in this day and age.
This is a simple concept but a little hard to explain. It seems so obvious that I am wondering what I am missing
It seems so simple but a friend had the idea of
I feel like I have to be missing something here? Poke holes and ask questions for clarification.
Thanks 😄
Truckin' along nicely, managing my usage, then
No rhyme or reason
It's all over the web of course, but the Gemini nerfing is really frustrating. I have some faith it will be fixed but.
I am a pro user, I have a ongoing thread where I update my dog's health, he has a health issue that we track, today. I added a three-line update and used 35% of my windows allowance.
Just for my "hobby" of dreaming up things to do with AI and a thought from one of Rob Berger's comments this week. This is the 10 year cumulative stock market returns gross and net of inflation. I was pretty surprised how high they were, mostly.
| 10-Year Period | Cumulative Gross Return | Cumulative Inflation | Cumulative Net Return |
|---|---|---|---|
| 1920 - 1929 | +194.90% | -1.11% | +198.22% |
| 1921 - 1930 | +230.06% | -16.77% | +296.55% |
| 1922 - 1931 | +65.91% | -14.90% | +94.95% |
| 1923 - 1932 | +25.12% | -18.62% | +53.74% |
| 1924 - 1933 | +99.14% | -24.22% | +162.77% |
| 1925 - 1934 | +55.58% | -21.88% | +99.14% |
| 1926 - 1935 | +76.72% | -21.72% | +125.76% |
| 1927 - 1936 | +112.03% | -21.64% | +170.60% |
| 1928 - 1937 | +0.19% | -17.17% | +20.96% |
| 1929 - 1938 | -8.52% | -17.84% | +11.35% |
| 1930 - 1939 | -0.52% | -18.91% | +22.68% |
| 1931 - 1940 | +19.51% | -16.08% | +42.40% |
| 1932 - 1941 | +86.48% | -3.18% | +92.60% |
| 1933 - 1942 | +144.42% | +19.70% | +104.19% |
| 1934 - 1943 | +99.84% | +33.84% | +49.31% |
| 1935 - 1944 | +142.80% | +31.39% | +84.80% |
| 1936 - 1945 | +124.34% | +31.00% | +71.24% |
| 1937 - 1946 | +54.00% | +40.73% | +9.43% |
| 1938 - 1947 | +150.56% | +55.25% | +61.39% |
| 1939 - 1948 | +101.60% | +70.62% | +18.16% |
| 1940 - 1949 | +140.47% | +71.14% | +40.51% |
| 1941 - 1950 | +251.06% | +71.82% | +104.32% |
| 1942 - 1951 | +392.46% | +76.39% | +179.18% |
| 1943 - 1952 | +384.40% | +62.72% | +197.69% |
| 1944 - 1953 | +280.94% | +54.73% | +146.19% |
| 1945 - 1954 | +385.50% | +52.75% | +217.83% |
| 1946 - 1955 | +368.14% | +48.87% | +214.46% |
| 1947 - 1956 | +442.64% | +39.27% | +289.64% |
| 1948 - 1957 | +357.99% | +25.75% | +264.19% |
| 1949 - 1958 | +522.34% | +19.92% | +418.98% |
| 1950 - 1959 | +486.56% | +22.44% | +379.08% |
| 1951 - 1960 | +347.44% | +22.92% | +264.01% |
| 1952 - 1961 | +357.79% | +15.17% | +297.48% |
| 1953 - 1962 | +252.98% | +13.93% | +209.81% |
| 1954 - 1963 | +337.80% | +14.39% | +282.73% |
| 1955 - 1964 | +234.13% | +15.53% | +189.22% |
| 1956 - 1965 | +185.59% | +17.73% | +142.59% |
| 1957 - 1966 | +141.05% | +19.47% | +101.77% |
| 1958 - 1967 | +234.96% | +18.89% | +181.74% |
| 1959 - 1968 | +159.49% | +20.74% | +114.91% |
| 1960 - 1969 | +112.07% | +26.02% | +68.28% |
| 1961 - 1970 | +119.54% | +31.36% | +67.13% |
| 1962 - 1971 | +97.78% | +35.52% | +45.94% |
| 1963 - 1972 | +157.83% | +38.33% | +86.38% |
| 1964 - 1973 | +79.18% | +45.17% | +23.43% |
| 1965 - 1974 | +13.11% | +59.21% | -28.96% |
| 1966 - 1975 | +38.00% | +70.96% | -19.28% |
| 1967 - 1976 | +90.02% | +75.44% | +8.31% |
| 1968 - 1977 | +42.26% | +81.76% | -21.73% |
| 1969 - 1978 | +36.50% | +87.51% | -27.21% |
| 1970 - 1979 | +76.69% | +97.82% | -10.68% |
| 1971 - 1980 | +124.95% | +112.21% | +6.00% |
| 1972 - 1981 | +87.12% | +124.42% | -16.62% |
| 1973 - 1982 | +91.17% | +130.51% | -17.07% |
| 1974 - 1983 | +174.54% | +123.99% | +22.57% |
| 1975 - 1984 | +296.78% | +110.28% | +88.69% |
| 1976 - 1985 | +280.96% | +99.49% | +90.97% |
| 1977 - 1986 | +265.06% | +92.32% | +89.82% |
| 1978 - 1987 | +313.95% | +87.26% | +121.05% |
| 1979 - 1988 | +352.99% | +81.17% | +150.03% |
| 1980 - 1989 | +403.66% | +70.59% | +195.25% |
| 1981 - 1990 | +268.56% | +58.42% | +132.65% |
| 1982 - 1991 | +405.69% | +49.66% | +237.90% |
| 1983 - 1992 | +347.74% | +45.28% | +208.18% |
| 1984 - 1993 | +302.15% | +45.00% | +177.34% |
| 1985 - 1994 | +283.41% | +42.64% | +168.80% |
| 1986 - 1995 | +300.44% | +41.67% | +182.65% |
| 1987 - 1996 | +314.92% | +43.06% | +190.02% |
| 1988 - 1997 | +425.73% | +41.13% | +272.51% |
| 1989 - 1998 | +479.70% | +37.74% | +320.86% |
| 1990 - 1999 | +432.82% | +34.33% | +296.66% |
| 1991 - 2000 | +399.83% | +31.78% | +279.30% |
| 1992 - 2001 | +237.55% | +30.01% | +159.64% |
| 1993 - 2002 | +144.33% | +28.24% | +90.53% |
| 1994 - 2003 | +185.61% | +27.37% | +124.24% |
| 1995 - 2004 | +212.56% | +27.49% | +145.16% |
| 1996 - 2005 | +138.34% | +28.24% | +85.86% |
| 1997 - 2006 | +124.44% | +28.61% | +74.52% |
| 1998 - 2007 | +77.54% | +29.36% | +37.24% |
| 1999 - 2008 | -13.01% | +32.17% | -34.18% |
| 2000 - 2009 | -9.12% | +28.80% | -29.44% |
| 2001 - 2010 | +15.04% | +26.56% | -9.10% |
| 2002 - 2011 | +33.32% | +27.05% | +4.93% |
| 2003 - 2012 | +98.52% | +27.68% | +55.49% |
| 2004 - 2013 | +104.25% | +26.68% | +61.23% |
| 2005 - 2014 | +109.42% | +25.32% | +67.11% |
| 2006 - 2015 | +102.37% | +21.32% | +66.81% |
| 2007 - 2016 | +95.68% | +19.09% | +64.31% |
| 2008 - 2017 | +125.99% | +18.16% | +91.25% |
| 2009 - 2018 | +243.00% | +16.57% | +194.25% |
| 2010 - 2019 | +256.65% | +19.15% | +199.34% |
| 2011 - 2020 | +267.00% | +18.68% | +209.25% |
| 2012 - 2021 | +362.60% | +20.40% | +284.22% |
| 2013 - 2022 | +226.58% | +27.36% | +156.42% |
| 2014 - 2023 | +211.53% | +30.62% | +138.50% |
| 2015 - 2024 | +242.57% | +32.29% | +158.95% |
| 2016 - 2025 | +298.33% | +35.60% | +193.76% |
I don't often see much discussion of Social Security timing with a 100% spousal benefit for your partner.
I found it very interesting that my Open Social Security recommended claiming time is 67 and 4 months but if I assume a reduction in benefits of 23%, then it recommends claiming at 62.
I'm only 59 right now but this does complicate decision making over the next couple of years 😊
I also understand the benefit of waiting till 70 for survivor benefits but I am by far the healthiest person in our relationship. The draw down on savings from waiting till 70 would just be too much at the moment
Any thoughts?
