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Old 02-22-2015, 05:03 PM   #61
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A bit atypical:
+70
Not money oriented

To add:
Happy and contented with 25 years of retirement.
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Old 02-22-2015, 06:32 PM   #62
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Quote:
Originally Posted by imoldernu View Post
A bit atypical:
+70
Not money oriented

To add:
Happy and contented with 25 years of retirement.
Don't worry, us baby boomers are gaining on 70+ real fast. By the time I hit that age group in a few years, I'm hoping I'll have lots of company here.
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Old 02-22-2015, 06:52 PM   #63
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I really doubt we have a typical member. I find this group an interesting combination of many types of people.
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Old 02-23-2015, 09:35 AM   #64
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I am an extrovert. I spent 20 years in sale and marketing. I made big money and took big risks. I invested in property development and made big money on flips. I invested in gold mining and made big money on discoveries. I had a stock broker engineer friend and we made several 10-baggers on investments he knew personally.

By the mid-90s, I became more conservative and when I retired in 2002, I got out of most high-risk endeavours. Still hold Apple stock from the 80s (although I reset the capital value in the 90s).

Now I would categorize myself pretty close to frayne's list. Buy and hold both value and index investor. Seldom rebalance. No FAs anymore. DIY. LBYM. Retired at 49 but consulted to pay alimony. No annuities (small DB pension). If The Jones' only knew!
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Old 02-23-2015, 10:52 AM   #65
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Originally Posted by braumeister View Post
Don't forget "Incredibly good looking and hugely talented."
That rules me out. I will be back after couple of cosmetic surgeries. Please refer to my avatar.

Other traits I have observed:
  • Financially very conservative
  • Can carry on a discussion like an adult ... perhaps, that's b/c the forum has so many good moderators.
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Old 02-23-2015, 11:22 AM   #66
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What would you say are typical ER forum member profile/attributes ?

I'll start by adding a few of my own thoughts;

1. Financial DIYer and more than a bit skeptical about the role/benefit of FAs.

2. Uses index funds for the majority of his/her investments.

3. Somewhere between the ages of 50-70 and debt free.

4. Dislikes annuities for various and sundry reasons.

5. Retired in their 50s.

6. Have analytical type personalities.

How far am I off and what else might you add ?
1) Yes.
2) Sorta. When I invest in a mutual fund, it is most likely an index fund. But I still have a significant portion of my portfolio invested in individual securities (stocks, CDs, i-bonds, etc...). I also think that Vanguard offers some compelling actively-managed funds. If I was in a lower tax bracket, I'd consider them.
3) 40 years old and debt-free.
4) I dislike some annuities. But I have nothing against SPIAs and will consider them when the time is right.
5) Retired nearly 5 years ago, at 36.
6) Yes, but I am getting help. I sometimes get so caught up in analysis that it leads to paralysis. It's good to just wing it every once in a while!

7) LBYM / fiscally conservative: yes!
8) Introvert: yes.
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Old 02-23-2015, 11:36 AM   #67
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Originally Posted by robnplunder View Post
That rules me out. I will be back after couple of cosmetic surgeries. Please refer to my avatar.

Other traits I have observed:
  • Financially very conservative
  • Can carry on a discussion like an adult ... perhaps, that's b/c the forum has so many good moderators.

That is true, and the willingness to self-moderate can help them out.
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Old 02-23-2015, 05:17 PM   #68
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What?!! For a 900-year-old Jedi master, you look great!

Amethyst

Quote:
Originally Posted by robnplunder View Post
That rules me out. I will be back after couple of cosmetic surgeries. Please refer to my avatar.
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Old 02-23-2015, 07:27 PM   #69
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Profile? Fairly close to Alfred E Newman.

Otherwise I wasted may youth in the Army then in support of science. Cheapskate for the emost part. DIY, yes.
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Old 02-23-2015, 11:24 PM   #70
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Based on my 2 years of mostly reading posts, and rarely making posts, I would characterize most members of this forum as being very self aware, confident, and comfortable with who they are. I also view most members as goal oriented and skilled planners.


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Old 02-24-2015, 08:31 AM   #71
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I agree with your clarification. However, I receive as a perk from Fidelity (for having a lot of money invested with them) an Account Executive (AE) who helps me out with things and I can bounce ideas off and get some advice, all at no direct charge to me.
Ditto here, but from Vanguard. It is amazing how well you get treated when you have a sizable stash with them. No birthday card though.
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Old 02-24-2015, 08:51 AM   #72
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Originally Posted by pb4uski View Post
It is amazing how well you get treated when you have a sizable stash with them. No birthday card though.
MIL had a pure FI portfolio with about 3 trades a quarter. For that she paid 1% and got a plant at Christmas. Once every three years she also got a free lunch. When I took over her portfolio, I saved her over $10k a year. Plus I gave her an understandable annual statement on one page.
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Old 02-24-2015, 09:36 AM   #73
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I'm not typical. I have investment debt and I do use wealth management services. But I am an introvert who retired in my 50s.
I don't have debt but use FA services too. I would have screwed up or taken a lot longer to get in the market without them. Over the past two months I've crunched numbers comparing if we had had our money in similar Vanguard indexes to see if they are still worth it, and the jury is definitely not in. Overall, despite their costs, we came out ahead. Last year, not so much. I am educating myself to become and DIY investor over the next couple of years.

I agree with the DIY investing folks though. I was just too busy to do it correctly and DH is still clueless when it comes to investing.

Otherwise fits me to a tee.
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Old 02-24-2015, 10:00 AM   #74
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I'm not introverted. In fact, I'm very gregarious, and like to talk to strangers and try to make them laugh. What isolates me is my sensitivity. For example, I don't like to hear or participate in gossip, and this trait of mine seems to put off all but the most intelligent women (like the ones on this forum).

It's not that I shake my head or say, "Oh, dear, you shouldn't gossip like that," it's that I stop participating, or try to change the subject, when the bitchy knives come out. Simply by not taking part, I reveal that I'm not part of the group-think. Once that happens, they stop including me. It's as if a willingness to trash those who aren't present, is the price of "belonging."

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Old 02-24-2015, 12:54 PM   #75
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Interesting Amethyst. Maybe it's a guy thing but I take a certain pride in not knowing anyone else's personal business.
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Old 02-24-2015, 01:08 PM   #76
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Generally if you work with other people you come to realize that knowledge is power. A moralistic approach is that knowing things about other people is somehow not quite top drawer. But it is taken for granted in sociology or social psychology that much important organizational information is informally transmitted, with no negative judgments implied.

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Old 02-24-2015, 01:09 PM   #77
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I am back after the "couple of cosmetic surgeries." Now I fit in (all I need is the huge talent part).



>>>>>> Originally Posted by braumeister
&nbspon't forget "Incredibly good looking and hugely talented."
>>>>>>

Quote:
Originally Posted by robnplunder View Post
That rules me out. I will be back after couple of cosmetic surgeries. Please refer to my avatar.

Other traits I have observed:
  • Financially very conservative
  • Can carry on a discussion like an adult ... perhaps, that's b/c the forum has so many good moderators.
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Old 02-24-2015, 01:51 PM   #78
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I score a dismal 4 out of 6, because of the age thing.

Early Retirement & Financial Independence Community - View Poll Results

This poll from 2010 would suggest the typical forum member is aged 35 - 70

As in, I don't think age is a typical factor.

Demographics and education also seem all over the place, so it comes back to personality.

Long range planner and a high amount of grit I'd say.

Staying the course, yes, but not in a Boglehead kind of way. More as in LBYM and keep your eye on the prize.
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Old 02-24-2015, 01:54 PM   #79
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Adding to the list:

Reads a lot, on a wide variety of topics.

Ignores “fads”.

Looks for the “behind the scenes” motivation for events and “news” items.
+1
Very much describes my approach.
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Old 02-24-2015, 02:27 PM   #80
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It's not the knowing of others' business I object to so much (you usually have to know something about people in order to help them, for example). It's the horrible satisfaction they get out of knocking other people who aren't there to defend themselves (I'm from NJ, so insulting people who are well able to insult you right back is in my DNA). It just makes my flesh creep and always has. So I either have to feel my flesh crawl, or stay away from a lot of people.

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Interesting Amethyst. Maybe it's a guy thing but I take a certain pride in not knowing anyone else's personal business.
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