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Old 01-07-2011, 04:49 PM   #21
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Welcome to the board. You sound like a very supportive wife. Your husband is a lucky man.
Anyone in a "1+1=1" relationship can be considered lucky... indeed, both of you are extremely so.
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Old 01-07-2011, 06:19 PM   #22
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Anyone in a "1+1=1" relationship can be considered lucky... indeed, both of you are extremely so.
Nice of you to say.

Words can't cover how much he brings to my life. We're coming up on 9 years together, and I still consider the relationship sacred. By far the most valuable asset in my portfolio.
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Old 01-07-2011, 06:26 PM   #23
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Old 01-07-2011, 06:37 PM   #24
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We are not using 401k/IRA assets until some years from now. Our cash flow needs are met with cash reserves and income from real estate, dividends and interest. We keep 5 to 7 years of income in cash, mostly laddered CDs. You might consider gradually converting some of the non-401k assets to cash before you retire so you don't have to sell out at a bad time.
Hi Martha,

I have been thinking about some kind of laddered CD approach. Yes, and since by far the bulk of our non-401k assets are real estate, you have hit the nail on the head for the concern about being in a position where we may want or need to cash out at a bad time. We own three properties. Our place in Maui (no mortgage, own outright) where we intend to move to after pulling the ripcord, our current place here in Silicon Valley (have ~$500k equity), and his Mom's place (own outright, probably worth ~$250k). Obviously we won't be, uh, "timing" the sale of his Mom's place. The sale of our current place would just be dictated by the aforementioned pulling of the ripcord, which I hope will be in 2-3 yrs.

I don't imagine that we will stay in the Maui place forever. It's 2.5 acres, and it may well be too much for us as we get older. On that property you are allowed to build an main house, and a guest cottage that can be no more than 1,000 sq. ft. We've currently got the cottage built, and we are undecided whether or not we'll ever build the main house. So there are a lot of potential ways to slice that. We could live in the cottage and sell the main house land to someone else. We could build the main house, move into that, and sell the cottage, or sell the whole shooting match. It's good to have options, I guess.
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Old 01-07-2011, 06:57 PM   #25
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Nice of you to say.

Words can't cover how much he brings to my life. We're coming up on 9 years together, and I still consider the relationship sacred. By far the most valuable asset in my portfolio.
I'm going to make one last comment on this and then drop it but I know EXACTLY what your talking about. Many years of happiness together.
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Old 01-07-2011, 09:25 PM   #26
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Welcome to the board!

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I don't imagine that we will stay in the Maui place forever. It's 2.5 acres, and it may well be too much for us as we get older. On that property you are allowed to build an main house, and a guest cottage that can be no more than 1,000 sq. ft. We've currently got the cottage built, and we are undecided whether or not we'll ever build the main house. So there are a lot of potential ways to slice that. We could live in the cottage and sell the main house land to someone else. We could build the main house, move into that, and sell the cottage, or sell the whole shooting match. It's good to have options, I guess.
Excellent! Which surf break do you frequent?
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Old 01-08-2011, 12:01 AM   #27
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I'm going to make one last comment on this and then drop it but I know EXACTLY what your talking about. Many years of happiness together.
I definitely feel like a very lucky person. I've been incredibly successful in achieving the things that I wanted in life, according to my personal priorities and on my own terms.

(And, many years of happiness to you too-- I can tell you DO know exactly what i'm talking about!)
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Old 01-08-2011, 12:09 AM   #28
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Welcome to the board!


Excellent! Which surf break do you frequent?
Ha! Well, you teach me how to surf, and I'll teach you how to play volleyball? I can sort-of windsurf-- in a crappy, pathetic kind of way. (If I happen to be wearing a harness you may be treated to the rare but not unheard of catapulting scenario.)

Launiopoko. Probably way too tame for you, I guess!
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Old 01-08-2011, 10:57 PM   #29
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Ha! Well, you teach me how to surf, and I'll teach you how to play volleyball? I can sort-of windsurf-- in a crappy, pathetic kind of way. (If I happen to be wearing a harness you may be treated to the rare but not unheard of catapulting scenario.)
Launiopoko. Probably way too tame for you, I guess!
6-10 is my favorite size, and I have a healthy respect for anything up to 20. That looks like a great break to learn surfing. We were up in Napili Bay a couple months ago and we hiked Haleakala last year as well. We definitely plan to repeat the first this year, and perhaps the second.

I'm impressed with 2.5 acres anywhere in that area! I don't suppose there's a Home Depot in Lahaina yet? I wouldn't be so enthused about driving to Kahului every time a home repair came up.

Poster JB is from the Wailuku area, but he hasn't logged in here for over two years. I think you just became the E-R.org Maui Chapter president...
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Old 01-11-2011, 02:55 PM   #30
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6-10 is my favorite size, and I have a healthy respect for anything up to 20. That looks like a great break to learn surfing. We were up in Napili Bay a couple months ago and we hiked Haleakala last year as well. We definitely plan to repeat the first this year, and perhaps the second.

I'm impressed with 2.5 acres anywhere in that area! I don't suppose there's a Home Depot in Lahaina yet? I wouldn't be so enthused about driving to Kahului every time a home repair came up.

Poster JB is from the Wailuku area, but he hasn't logged in here for over two years. I think you just became the E-R.org Maui Chapter president...
Nope, no Home Depot in Lahaina, so indeed, it's a trek if we need to go there. I remember when we first started going out there, the drive over to Kahului seemed like a haul. But for whatever reason, it doesn't seem like that long of a trip now. I guess I'm getting acclimated. Can't ask for better scenery.
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Old 01-12-2011, 11:45 AM   #31
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But for whatever reason, it doesn't seem like that long of a trip now. I guess I'm getting acclimated. Can't ask for better scenery.
I think one aspect of being a local is complaining bitterly about having to drive 20 minutes (or 20 miles) to anywhere...

Spouse and I are infatuated with Maui or one of the other neighbor islands, especially a couple acres for a home, but we'd be even further out on the logistics chain and have to be even more self-sufficient.
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