vanguard

[Martha]

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?

[MRGALT2U]

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]

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

[HFWR]

My karma just ran over your dogma..............

[MRGALT2U]

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

[cute fuzzy bunny]

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...

[BigMoneyJim]

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.

[Martha]

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

Thanks BMJ for the explanation.

[laurence]

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.

[MRGALT2U]

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

[cute fuzzy bunny]

6

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!

[unclemick]

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

What's the big deal?

[cute fuzzy bunny]

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?

[unclemick]

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

[wildcat]

Unclemick you self-insure with no worries?

[unclemick]

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!

[wildcat]

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.

[Dawg52]

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.

[cute fuzzy bunny]

FYI - BC/BS rates vary WILDLY by area.