Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
MB
Old 01-23-2006, 10:25 PM   #1
Full time employment: Posting here.
 
Join Date: Jan 2006
Posts: 899
MB

Hi I'm MB,

I registered about a month ago so I decided it was about time to introduce myself.

About myself:* Age 48.* Have a DW, DD in HS and DS in MS.* Live in the SF Bay area and work for a mega-corp.

Regarding investing:* I basically dollar cost average into funds in both my before and after tax accounts (mostly index funds).* Simple and easy and even if you are smart enough to beat the market I doubt you can beat the return to work ratio.

Current allocation is about:

- 12% Small Cap
- 32% Large Cap
- 14% Int'l (Dev Markets)
- 5% Emerging Markets
- 29% Bonds
- 5% REITS
- 3% Cash

I generally keep it pretty steady.* Maybe move it +-5% or so depending on what I think is going to happen.

On ER:* I have been fairly good at LBYM and investing over the last 15 years or so (at least compared to the overall population) but ER wasn't really "on the radar" until I came across this forum.* I think I found it from intercst's site but don't remember how I stumbled on that site.* But I will admit that there are a lot of days when I would rather hop on my bike than go to work so maybe there is some RE hope for me.* I give Dory and the rest of you credit for "planting the seed."* I did mention RE to DW the other day but she thought that it was a joke.* Have to work on that.

Although my initial interests on this forum were mostly asset accumulation and FI, I have actually found the various RE lifestyles to be at least as interesting:

- Nords surfer life and ward-robe
- Kat's (sorry if I have the name wrong) farm in KY
- One poster (forgot the name) that lived and traveled in a van for most of the year
- The various other RV and PT lifestyles

About 5 years ago I told DW that when the kids were gone I wanted to quit work, throw my mountain bike on top of a camper van and not worry about coming back (I did assume that she would come with) and that futhermore since we had a pretty frugal lifestyle it wouldn't take much money to do it for a couple of years.

I think that this is the first place that I have found a group of like minded people.

Hope I didn't bore you with the long post.* I have truely enjoyed the forum so far and expect to continue to do so in the future.

Thanks,

MB
__________________

__________________
mb is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Re: MB
Old 01-24-2006, 08:03 AM   #2
Full time employment: Posting here.
 
Join Date: Apr 2005
Posts: 577
Re: MB


Welcome MB! I'll take a pass on commenting on the financials (many people here have more expertise on that!)

Just want to say your plans sound great to me. And I want to let you know Kitty is the one with the terrific lifestyle in Kentucky. As for me, formerly Kat on this board --- I have a fondness for the mountains in New York and I'll likely spend the rest of my days here, at least as a home base.

Again, welcome!

kate
__________________

__________________
kat is offline   Reply With Quote
Re: MB
Old 01-24-2006, 09:04 AM   #3
Moderator Emeritus
Nords's Avatar
 
Join Date: Dec 2002
Location: Oahu
Posts: 26,563
Re: MB

Thanks, MB, welcome to the board.
__________________
*
*

The book written on E-R.org, "The Military Guide to Financial Independence and Retirement", on sale now! For more info see "About Me" in my profile.
I don't spend much time here anymore, so please send me a PM. Thanks.
Nords is offline   Reply With Quote
Re: MB
Old 01-25-2006, 07:54 PM   #4
Full time employment: Posting here.
 
Join Date: Jan 2006
Posts: 899
Re: MB

I recall the comment on buying a couple of t-shirts, shorts and flip-flops and that being your yearly clothing budget. I thought that was pretty cool.
__________________
mb is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


 

 
All times are GMT -6. The time now is 07:49 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.