Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Re: vanguard
Old 06-07-2005, 09:02 AM   #21
Moderator Emeritus
Martha's Avatar
 
Join Date: Feb 2004
Location: minnesota
Posts: 13,211
Re: vanguard

Quote:
Originally Posted by BigMoneyJim
I

Actually this software does have a karma feature, but I haven't turned it on even in the test boards so I don't know how it works.

What's that?

__________________

__________________
.


No more lawyer stuff, no more political stuff, so no more CYA

Martha 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: vanguard
Old 06-07-2005, 09:06 AM   #22
Thinks s/he gets paid by the post
 
Join Date: Dec 2002
Posts: 3,875
Re: vanguard

Quote:
Originally Posted by Laurence
First we'd have to disqualify those who were just plain old unemployed with a spouse propping them up, and then determine who has actually accomplished ER.*

The rating system might be fun, but it might lead to hurt feelers, too.* (Laurence, "What the heck? 1 out of 4 stars?* What's up with THAT!?!?"* Everybody else, "Well, it wouldn't let us give you zero..... ")* **
Hey! *Just in case this was a subtle "dig" *

I semiretired (meaning PT work) in 1993 at age 49. *Net worth well under 500K, a non-working acquisitive spouse and one child at home. *I divorced and split
the net worth with my ex. in 1998 * I immediately retired 100% and paid child support for 3 years. *I acquired my working spouse 3.5 years later.
I see very few on this board who would even attempt this. *More typical
is "We have a net worth of 1.7 mil. plus a paid up house worth 500K.
We are 58 and 56, no kids. *How much longer do we have to work?"
Now, that sort of thing is really amusing.

JG
__________________

__________________
MRGALT2U is offline   Reply With Quote
Re: vanguard
Old 06-07-2005, 09:09 AM   #23
Thinks s/he gets paid by the post
 
Join Date: Dec 2002
Posts: 3,875
Re: vanguard

Quote:
Originally Posted by Martha
What's that?

When my son lived in Eugene Oregon he was in a house with a couple of other guys. My son was always talking about karma. Finally, one of his
room-mates said "Hey, who is this Carmen chick?"

JG
__________________
MRGALT2U is offline   Reply With Quote
Re: vanguard
Old 06-07-2005, 09:11 AM   #24
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
HFWR's Avatar
 
Join Date: May 2005
Location: Lawn chair in Texas
Posts: 12,509
Re: vanguard

My karma just ran over your dogma..............
__________________
Have Funds, Will Retire

...not doing anything of true substance...
HFWR is online now   Reply With Quote
Re: vanguard
Old 06-07-2005, 09:12 AM   #25
Thinks s/he gets paid by the post
 
Join Date: Dec 2002
Posts: 3,875
Re: vanguard

Quote:
Originally Posted by BigMoneyJim
I'm sure people would love to have to submit an application and have a background check to tell if they're really retired or a 13-year old girl.

Actually this software does have a karma feature, but I haven't turned it on even in the test boards so I don't know how it works.

Well, I know who's who, and the board seems quite popular to newcomers, so I guess something is going right.
17! 17! *Come on Jim, this is a sensitive issue with me *

JG
__________________
MRGALT2U is offline   Reply With Quote
Re: vanguard
Old 06-07-2005, 09:23 AM   #26
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Re: vanguard

Quote:
Originally Posted by Laurence
First we'd have to disqualify those who were just plain old unemployed with a spouse propping them up, and then determine who has actually accomplished ER.

The rating system might be fun, but it might lead to hurt feelers, too. (Laurence, "What the heck? 1 out of 4 stars? What's up with THAT!?!?" Everybody else, "Well, it wouldn't let us give you zero..... ")
I was thinking the same thing re: the wife thing. At least *I* had a plan that by most measures would have been successful over the long haul without marrying the nurse with a purse.

A little far from bailing out with no plan, not enough money and then investing in something that may or may not work out with a sum too small to have a strong likelihood of success...
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
karma
Old 06-07-2005, 09:46 AM   #27
Thinks s/he gets paid by the post
BigMoneyJim's Avatar
 
Join Date: Feb 2003
Location: DFW
Posts: 2,615
karma

Quote:
Originally Posted by Martha
What's that?
Well, some message boards have a "recommend" feature where if readers like a post they hit the "rec" button so popular posts are indicated by high rec counts. Of course during political threads it turns into a agree/disagree feature, but for less heated topics it helps point out the gems.

Other boards have a full moderation system where users or designated moderators might assign a point's worth of "insightful", "funny", "interesting", "informative", flamebait" or somesuch to it.

Others have ways to rate the poster and not necessarily the post.

This board software has a karma settings section, but I don't know what form the karma takes. It's probably by-post ratings of some sort, but it could be a by-user rating.
__________________
BigMoneyJim is offline   Reply With Quote
Re: vanguard
Old 06-07-2005, 10:28 AM   #28
Moderator Emeritus
Martha's Avatar
 
Join Date: Feb 2004
Location: minnesota
Posts: 13,211
Re: vanguard

Obviously we should not have a Karma feature. Much bad Karma would result.

Thanks BMJ for the explanation.
__________________
.


No more lawyer stuff, no more political stuff, so no more CYA

Martha is offline   Reply With Quote
Re: vanguard
Old 06-07-2005, 10:52 AM   #29
Moderator Emeritus
laurence's Avatar
 
Join Date: Feb 2005
Location: San Diego
Posts: 5,165
Re: vanguard

Quote:
Originally Posted by MRGALT2U
Hey! Just in case this was a subtle "dig"

I semiretired (meaning PT work) in 1993 at age 49. Net worth well under 500K, a non-working acquisitive spouse and one child at home. I divorced and split
the net worth with my ex. in 1998 I immediately retired 100% and paid child support for 3 years. I acquired my working spouse 3.5 years later.
I see very few on this board who would even attempt this. More typical
is "We have a net worth of 1.7 mil. plus a paid up house worth 500K.
We are 58 and 56, no kids. How much longer do we have to work?"
Now, that sort of thing is really amusing.

JG
It wasn't subtle! I was just joshing since you were picking on those of us still chained to "the man".

I think if we ask ten people here for a definition of ER, we'd get 11 answers.
__________________
laurence is offline   Reply With Quote
Re: vanguard
Old 06-07-2005, 10:57 AM   #30
Thinks s/he gets paid by the post
 
Join Date: Dec 2002
Posts: 3,875
Re: vanguard

Quote:
Originally Posted by Laurence
It wasn't subtle!* * I was just joshing since you were picking on those of us still chained to "the man".*

I think if we ask ten people here for a definition of ER, we'd get 11 answers.*
10-4
__________________
MRGALT2U is offline   Reply With Quote
Re: vanguard
Old 06-07-2005, 03:58 PM   #31
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Re: vanguard

6
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Re: vanguard
Old 06-08-2005, 08:41 AM   #32
 
Posts: n/a
Re: vanguard

Quote:
I semiretired (meaning PT work) in 1993 at age 49. Net worth well under 500K
That's the ticket. The earlier you retire, and the less money your retire with, the more points you get. Plus extra credit for going without health care!
__________________
  Reply With Quote
Re: vanguard
Old 06-08-2005, 11:00 AM   #33
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jul 2003
Location: Kansas City
Posts: 7,318
Re: vanguard

350k - his and hers, 1993, age 49, no health care then or now.

What's the big deal?
__________________
unclemick is offline   Reply With Quote
Re: vanguard
Old 06-08-2005, 11:21 AM   #34
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Re: vanguard

350k went a lot further 10 years ago, and didnt you get the benefit of the greatest bull market in the history of the universe to billow that up a little?
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Re: vanguard
Old 06-08-2005, 12:27 PM   #35
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jul 2003
Location: Kansas City
Posts: 7,318
Re: vanguard

Yep

Tide of history, 2 yrs temp work(his and hers), small pension kicked in at 55, conveniently sold ate ate the duplex($ that is).

Unlike JG - had the fates deal different cards - even with a 72t as originally planned - back to work might have been in order.
We came in generally - handgrenade wise in the infamous $50/day ballpark. But the emotional - perceived margin of safety 'might' have scared me back into the workforce.

2005 - different view forward and definitely would use a higher no. AND the women have/had health insurance.

24k for two* with a paid up house - plus depending on
__________________
unclemick is offline   Reply With Quote
Re: vanguard
Old 06-08-2005, 02:43 PM   #36
Thinks s/he gets paid by the post
wildcat's Avatar
 
Join Date: Feb 2005
Location: Lou-evil
Posts: 2,024
Re: vanguard

Unclemick you self-insure with no worries?
__________________
"These walls are kind of funny. First you hate 'em, then you get used to 'em. Enough time passes, gets so you depend on them"
wildcat is offline   Reply With Quote
Re: vanguard
Old 06-08-2005, 03:03 PM   #37
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jul 2003
Location: Kansas City
Posts: 7,318
Re: vanguard

I self insure with a reasonible amount of worry - but it doesn't keep me up nights nor did I attempt to quantify my odds of making it age 49 - 65.

In 1993 - it was wag the dog - Cobra was 725/mo - no way - and still not work.

With the passage of history over twelve years - self insure is 1 mil not 300k.

Still - will do a little shopping this summer - to see what the rates are for high deductible.

Do NOT recommend this for anyone else!
__________________
unclemick is offline   Reply With Quote
Re: vanguard
Old 06-08-2005, 03:50 PM   #38
Thinks s/he gets paid by the post
wildcat's Avatar
 
Join Date: Feb 2005
Location: Lou-evil
Posts: 2,024
Re: vanguard

Quote:
Cobra was 725/mo
That's crazy. Don't blame ya. As for me I am hoping HSAs gain popularity and push down the fees. For a young person it seems like a good bet based on the rollover effect. I got 20+ years ahead of me, tax deduct contribtutions, money in the account can become a retirement vehicle, healthy and willing to roll the dice on a $1000 deduct. Not one to go to a doctor in search of the cure for a case of the sniffles.
__________________
"These walls are kind of funny. First you hate 'em, then you get used to 'em. Enough time passes, gets so you depend on them"
wildcat is offline   Reply With Quote
Re: vanguard
Old 06-08-2005, 04:00 PM   #39
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dawg52's Avatar
 
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 6,882
Re: vanguard

Still - will do a little shopping this summer - to see what the rates are for high deductible.

Do NOT recommend this for anyone else!
BC/BS of MS offers a 10k ded for a 62 year old for $255/mo. Includes doc copays and drugs. Probably similar rates for your area.
__________________
Full time wuss............
Dawg52 is offline   Reply With Quote
Re: vanguard
Old 06-08-2005, 08:00 PM   #40
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Re: vanguard

FYI - BC/BS rates vary WILDLY by area.
__________________

__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Reply

Tags
vanguard


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


Similar Threads
Thread Thread Starter Forum Replies Last Post
Opions on Vanguard recommendations yak651 Young Dreamers 13 04-02-2007 11:23 PM
Free Vanguard Plan - Opinions? Jeb-NY FIRE and Money 2 12-21-2006 03:17 PM
Rolling over my 401k to Vanguard WanderALot FIRE and Money 16 12-19-2006 01:07 PM
Fidelity vs. Vanguard getoutearly FIRE and Money 34 04-25-2006 08:11 AM
Fidelity vs vanguard customer service Roger_R FIRE and Money 9 07-01-2004 06:21 PM

 

 
All times are GMT -6. The time now is 12:53 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.