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Search: Posts Made By: pb4uski
Forum: Young Dreamers Today, 09:58 PM
Replies: 12
Views: 279
Posted By pb4uski
I would NOT do that. First, if you cashed it in...

I would NOT do that. First, if you cashed it in you will probably have a taxable event for the excess of the cash value over the premiums you have paid in. Second, my guess would be that the...
Forum: FIRE and Money Today, 04:46 PM
Replies: 10
Views: 291
Posted By pb4uski
Don't know much about those but we rented a...

Don't know much about those but we rented a Toyota Yaris when we were on vacation and it seemed to be a good little car as long as you are not in a huge hurry.
Forum: FIRE and Money Today, 04:41 PM
Replies: 12
Views: 463
Posted By pb4uski
The below assumes an employee earned $50k at age...

The below assumes an employee earned $50k at age 60 and received 2% annual increases. Their pension increases about 6% for each additional year that they work and their pension at age 65 is almost...
Forum: Other topics Today, 04:24 PM
Replies: 28
Views: 444
Posted By pb4uski
Winter; 70F during the day and 65F at night. ...

Winter; 70F during the day and 65F at night. This is up from our prior targets of 68F and 62F, respectively that garnered some complaints.

Summer; no A/C so we open or close doors and windows...
Forum: Other topics Today, 04:21 PM
Replies: 5
Views: 207
Posted By pb4uski
I'm sorry for your losses. ER is a big change...

I'm sorry for your losses. ER is a big change and to add those events on top of retiring has to be particularly stressful.

However, I am sure that your friend would be encouraging you to move on...
Forum: Hi, I am... Today, 06:20 AM
Replies: 2
Views: 546
Posted By pb4uski
IMO your're good to go. A simple way to look at...

IMO your're good to go. A simple way to look at it is to say that you'll hold aside $900k for $90k a year from ER to FRA. That leaves you $1.6m for FRA and later.

Once SS begins your withdrawals...
Forum: Young Dreamers Today, 06:05 AM
Replies: 12
Views: 279
Posted By pb4uski
For the vast majority of people, 20 or 30 year...

For the vast majority of people, 20 or 30 year term life is ideal. They are affordable if you shop around, provide protection you need for the period you need it.

For LBYM savers/investors, quite...
Forum: Other topics Yesterday, 05:13 PM
Replies: 51
Views: 1,144
Posted By pb4uski
We have Dish as well. Best option given no OTA. ...

We have Dish as well. Best option given no OTA. Much less expensive than cable in our area and just as good IMO. Only downside it every once in a blue moon I have to go out and brush heavier snows...
Forum: Other topics Yesterday, 03:17 PM
Replies: 51
Views: 1,144
Posted By pb4uski
I think and hope Aereo will win. I live in...

I think and hope Aereo will win.

I live in an area where, principally due to topography, I can't get OTA broadcasts even though the major network broadcast towers are only 30 miles away. In fact,...
Forum: Life after FIRE Yesterday, 02:57 PM
Replies: 13,857
Views: 617,519
Posted By pb4uski
Puttered around in the garage in the afternoon. ...

Puttered around in the garage in the afternoon. Did some planning regarding the build out of the attic loft, including committing to have it spray foamed and securing a date to have it done. Lot's...
Forum: Life after FIRE Yesterday, 02:53 PM
Replies: 13
Views: 619
Posted By pb4uski
We are pretty happy with what i call 'sweater'...

We are pretty happy with what i call 'sweater' weather where it is comfortable to do things outside in jeans a shirt and a sweater.

Myrtle Beach is as far north as we would consider. We spent...
Forum: Other topics Yesterday, 02:45 PM
Replies: 2
Views: 154
Posted By pb4uski
The looks like canvas but is made of acrylic...

The looks like canvas but is made of acrylic fibers rather than cotton. It is common for boat covers, sail covers, etc. because it breathes well and lasts longer than cotton canvas in moist...
Forum: Young Dreamers Yesterday, 02:35 PM
Replies: 29
Views: 982
Posted By pb4uski
In my experience there are lots of white-collar,...

In my experience there are lots of white-collar, professional part-time opportunities out there.

I can see where it would be tough being a sole proprietor.

I was in consulting but was a...
Forum: Other topics Yesterday, 02:12 PM
Replies: 11
Views: 401
Posted By pb4uski
We have three LCD Visios. When I bought our...

We have three LCD Visios. When I bought our first one they were very highly rated by Consumer Reports. I think they still are.

I can't find a date on mine but I think I bought them around...
Forum: Young Dreamers Yesterday, 01:58 PM
Replies: 28
Views: 1,168
Posted By pb4uski
I think 40x is probably a bit conservative for a...

I think 40x is probably a bit conservative for a 60-65 year old. A 3.5% WR would be reasonably prudent for that age especially since if need be vacations could be dialed back and are a high % of the...
Forum: Hi, I am... Yesterday, 08:50 AM
Replies: 12
Views: 613
Posted By pb4uski
Ah.... I see. Pre-dates my join date by a lot so...

Ah.... I see. Pre-dates my join date by a lot so that explains why it was such a mystery.
Forum: Other topics Yesterday, 08:33 AM
Replies: 243
Views: 11,630
Posted By pb4uski
While the fast sensing of Thermaworks meat...

While the fast sensing of Thermaworks meat thermometer sounds good, what advantage does that have over a thermometer with a wired probe that I can just leave in the meat on the grill or in the oven...
Forum: FIRE and Money Yesterday, 08:27 AM
Replies: 18
Views: 614
Posted By pb4uski
Did they miss the sale or misstate the basis? If...

Did they miss the sale or misstate the basis? If they missed the sale, then you could have caught it. Unless you keep track of your own basis then it's on them.

However, if I had an asset that...
Forum: Hi, I am... Yesterday, 08:19 AM
Replies: 12
Views: 613
Posted By pb4uski
+1 Congrats. Sounds like you are in a good...

+1 Congrats. Sounds like you are in a good spot. First time I've heard of waffles on rabbit heads - I'm sure someone will clarify.
Forum: Young Dreamers Yesterday, 07:28 AM
Replies: 29
Views: 982
Posted By pb4uski
+1 with the above. The $500k at such a young age...

+1 with the above. The $500k at such a young age (congratulations by the way) gives them choices that they otherwise would not have.

Depending on the nature of the work and their employment,...
Forum: Hi, I am... Yesterday, 07:08 AM
Replies: 40
Views: 6,267
Posted By pb4uski
Who you described sounds like me when I worked...

Who you described sounds like me when I worked full-time.... but I haven't played golf recently so it couldn't have been me! It didn't take me 3 years but I had dialed down to part-time for a number...
Forum: FIRE and Money 04-21-2014, 09:33 PM
Replies: 45
Views: 1,627
Posted By pb4uski
We looked at modular homes when we built and were...

We looked at modular homes when we built and were impressed but ultimately decided to go stick-built. We also considered SIPs.

Some friends of ours built a modular home last year. It's quite...
Forum: Health and Early Retirement 04-21-2014, 09:27 PM
Replies: 5
Views: 262
Posted By pb4uski
Keep in mind that she will also qualify for a cat...

Keep in mind that she will also qualify for a cat plan if that meets her needs and she is willing to take a risk on the difference in co-pays and deductibles.
Forum: FIRE and Money 04-21-2014, 12:16 PM
Replies: 24
Views: 1,227
Posted By pb4uski
I don't recall and this was 10 years ago so I'm...

I don't recall and this was 10 years ago so I'm sure things have changed since I last looked at it. IIRC there are lots of calculators out there that can give you a ballpark estimate of your...
Forum: Health and Early Retirement 04-21-2014, 12:14 PM
Replies: 5
Views: 262
Posted By pb4uski
How can your DD be part time if she works a...

How can your DD be part time if she works a minimum of 40 hours a week?

Your DD could purchase her own policy on the exchange and may even be eligible for a subsidy to help with the cost. You can...
Showing results 1 to 25 of 6221

 
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