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Forum: FIRE and Money Today, 11:21 AM
Replies: 11
Views: 278
Posted By ERD50
I do understand that transactions in an IRA...

I do understand that transactions in an IRA affect the wash sale rule for your taxable account. But as a practical matter, would the IRS ever detect this? Not that I'm suggesting that anyone test...
Forum: FIRE and Money Yesterday, 08:04 AM
Replies: 72
Views: 3,867
Posted By ERD50
That might be a 'cute' little bit of advice, but...

That might be a 'cute' little bit of advice, but how does one plan for that?

And if you can't realistically plan for it, is it really 'good' advice?

What's your plan?

-ERD50
Forum: Travel Information 04-15-2014, 07:02 PM
Replies: 7
Views: 250
Posted By ERD50
Who won the 'deep-dish' category? -ERD50

Who won the 'deep-dish' category?

-ERD50
Forum: Other topics 04-15-2014, 06:59 PM
Replies: 33
Views: 707
Posted By ERD50
Yes, I just learned of that locked door detail...

Yes, I just learned of that locked door detail today when I clicked through some interactive graphic (otherwise, I have not really followed this, just the bits & pieces you can't help but hear).
...
Forum: Other topics 04-15-2014, 09:59 AM
Replies: 121
Views: 4,105
Posted By ERD50
Not following you at all. I'm not making excuses...

Not following you at all. I'm not making excuses for management, I'm explaining something I saw time and time again over 28 years at MegaCorp, and something that other MegaCorps provided to us in...
Forum: Other topics 04-15-2014, 07:44 AM
Replies: 121
Views: 4,105
Posted By ERD50
:laugh: Now that I agree with! The engineer...

:laugh: Now that I agree with! The engineer actor did a great job of showing that mode where you are thinking 'are you a freaking idiot?' while calmly keeping a poker face and saying 'Let me try to...
Forum: FIRE and Money 04-15-2014, 07:00 AM
Replies: 46
Views: 3,710
Posted By ERD50
JMO, but I really don't want to have to refer to...

JMO, but I really don't want to have to refer to a SecureID type device for every financial/retail site I log onto. I believe that reasonable security can be achieved w/o that level, but it certainly...
Forum: Other topics 04-14-2014, 02:05 PM
Replies: 121
Views: 4,105
Posted By ERD50
Rather, progress is about pushing the envelope on...

Rather, progress is about pushing the envelope on two of the three, using a surplus of the third to pay for pushing the envelope on the other two.

If you want to build something better and faster,...
Forum: FIRE and Money 04-13-2014, 08:59 PM
Replies: 5
Views: 634
Posted By ERD50
Scary stuff. I do recall, when looking through...

Scary stuff. I do recall, when looking through the PBGC site for details on my own protections, seeing these 'special rules' for multi-employer plans. They didn't apply to me, so I didn't dig into...
Forum: FIRE and Money 04-13-2014, 11:49 AM
Replies: 72
Views: 3,867
Posted By ERD50
If you keep annuities under $250k-300k, scatter...

If you keep annuities under $250k-300k, scatter all your CDs and munis among many different financial institutions to stay under FDIC limits, and live only on this and SS and PGBC or state- insured...
Forum: Other topics 04-13-2014, 08:53 AM
Replies: 121
Views: 4,105
Posted By ERD50
Everything can be improved and optimized,...

Everything can be improved and optimized, including planning. If you do it right, it isn't taking 'shortcuts', it is streamlining and improving the process. Eliminating non-value added (is that one...
Forum: Other topics 04-12-2014, 10:43 PM
Replies: 121
Views: 4,105
Posted By ERD50
Follow up on previous post - 'once in a career'?...

Follow up on previous post - 'once in a career'? No way, it was expected of us each and every review period. You better do all three.

Granted, they would generally all be incremental...
Forum: Other topics 04-12-2014, 10:39 PM
Replies: 121
Views: 4,105
Posted By ERD50
There is a job in project management waiting for...

There is a job in project management waiting for you! T

Don't tie an engineers' hands. It takes time to optimize things. 2-out-of-3 is all you can get. If you think you can get 'em all, you're...
Forum: Other topics 04-12-2014, 10:16 PM
Replies: 22
Views: 730
Posted By ERD50
Yes, thanks for posting, I just finished watching...

Yes, thanks for posting, I just finished watching online @ PBS (expires in 4 days, so 'Catch it if you Can'!).

While I really did like this band, I had no idea how many hits they had in just 4...
Forum: FIRE and Money 04-12-2014, 07:44 PM
Replies: 10
Views: 624
Posted By ERD50
taxes. Interesting idea though. But why not...

taxes.

Interesting idea though. But why not try to some real numbers to it? If you do, I think we might learn where it all falls apart (or succeeds).

So let's say a $1M portfolio, and a 40 year...
Forum: Other topics 04-12-2014, 01:57 PM
Replies: 121
Views: 4,105
Posted By ERD50
But it is the engineer's job to push the envelope...

But it is the engineer's job to push the envelope on all three. That's what progress is all about.

Now if you are purchasing existing equipment on the market, yes, you will likely need to...
Forum: Other topics 04-12-2014, 11:05 AM
Replies: 22
Views: 730
Posted By ERD50
FWIW, that was addressed in the link in the OP: ...

FWIW, that was addressed in the link in the OP:



-ERD50
Forum: Other topics 04-12-2014, 08:23 AM
Replies: 27
Views: 1,312
Posted By ERD50
+1. I don't recall if it was CU or not, but I...

+1. I don't recall if it was CU or not, but I remember seeing drastically different reliability ratings for the Dodge Caravan and the Dodge Grand Caravan. The Grand just had an extended body (~...
Forum: Other topics 04-11-2014, 10:46 AM
Replies: 27
Views: 1,312
Posted By ERD50
I have lots of rants on CU ratings. For one, an...

I have lots of rants on CU ratings. For one, an ordinal rating of quality means almost nothing. On a list of 20 items, maybe the difference between #1 and #20 is so marginal it isn't even...
Forum: Hi, I am... 04-11-2014, 10:02 AM
Replies: 22
Views: 1,040
Posted By ERD50
I'm none of the above, but when someone...

I'm none of the above, but when someone effectively asks:

"Do you want to make unsecured loans to complete strangers over the internet, who are looking for a loan rate lower than they can get...
Forum: FIRE and Money 04-11-2014, 07:47 AM
Replies: 72
Views: 3,867
Posted By ERD50
Not a poke in the eye, just trying to understand...

Not a poke in the eye, just trying to understand the question, and your comments (which some might see as poking at them), that they are just 'hoping' and don't have a 'plan'.

And who says others...
Forum: FIRE and Money 04-10-2014, 08:17 PM
Replies: 69
Views: 3,390
Posted By ERD50
We've had two years of big gains. Even an annual...

We've had two years of big gains. Even an annual rebal would have you missing some of the recent gains. Why does it require a decade long bull to outperform?



I think there are quite a few...
Forum: FIRE and Money 04-10-2014, 07:55 PM
Replies: 72
Views: 3,867
Posted By ERD50
And when you start retirement, w/o a crystal...

And when you start retirement, w/o a crystal ball, what can you do but take a historically conservative WR% and then 'hope' that the future is not worse than the worst of the past? It's not something...
Forum: FIRE and Money 04-10-2014, 04:16 PM
Replies: 7
Views: 676
Posted By ERD50
Simplify that to: Obviously it is too much...

Simplify that to:

Obviously it is too much to expect consistent tax treatment. (period)

-ERD50
Forum: Young Dreamers 04-10-2014, 02:38 PM
Replies: 8
Views: 522
Posted By ERD50
It sounds like you have two questions that are...

It sounds like you have two questions that are separate, and you are co-mingling them. It is almost always best to look at them separately.

1) Pay off the HELOC (see previous post).

2) Cash in...
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