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Forum: FIRE and Money 12-21-2017, 08:32 PM
Replies: 25
Views: 2,254
Posted By 2017ish
I am recharacterizing before end of year. In our...

I am recharacterizing before end of year. In our situation, silly to take the risk, as we were targeting enough of a conversion to max out the 28% bracket in our last year with employment income...
Forum: Other topics 12-16-2017, 07:35 PM
Replies: 30
Views: 1,940
Posted By 2017ish
I'm pleased with Fi--one year in. Here in...

I'm pleased with Fi--one year in.

Here in flyover land, DW's verizon phone has better coverage, but Fi isn't bad.

In Peru and Mexico, it was easy/peasy, both for Data and voice (local and...
Forum: Other topics 12-15-2017, 08:53 PM
Replies: 73
Views: 3,247
Posted By 2017ish
Kind of like, at this stage in our lives. ...

Kind of like, at this stage in our lives.

Overall, we find the holidays very nice. Our devout Christian friends are obviously stoked at this time of year, and it rubs off.

Very nice to travel...
Forum: FIRE and Money 12-13-2017, 11:35 AM
Replies: 62
Views: 9,532
Posted By 2017ish
Of course it isn't the majority situation; my...

Of course it isn't the majority situation; my point was "it all depends"--in response to an extreme blanket statement that no one should ever need to give more than 30 days notice unless they or the...
Forum: Stock Picking and Market Strategy 12-12-2017, 08:14 PM
Replies: 15
Views: 1,181
Posted By 2017ish
If you are already drawing social security, gains...

If you are already drawing social security, gains could increase the percentage of the SS $$ subject to federal income tax; it could also increase your medicare rates via IRMAA. Worst case scenario,...
Forum: FIRE and Money 12-12-2017, 08:12 PM
Replies: 62
Views: 9,532
Posted By 2017ish
Depends upon the job. Say you are partner in a...

Depends upon the job. Say you are partner in a four doctor group with every fourth night/weekend call for OB in a nonteaching hospital. Getting someone competent and capable to replace you...
Forum: FIRE and Money 12-12-2017, 08:04 AM
Replies: 62
Views: 9,532
Posted By 2017ish
This was us as well, although DW's was both oral...

This was us as well, although DW's was both oral and written notice via email. (I never gave written notice.) But it all depends upon your workplace environment and what you do. 2 years notice is...
Forum: Travel Information 12-10-2017, 10:29 AM
Replies: 17
Views: 1,019
Posted By 2017ish
Have not gone yet, but DW has been extensively...

Have not gone yet, but DW has been extensively researching. As noted by gayl, there are serious limitations on access to protect wildlife. Going on a small boat maximizes your time ashore near...
Forum: Life after FIRE 12-08-2017, 07:50 AM
Replies: 68
Views: 6,003
Posted By 2017ish
This varies wildly by employer. Like RobbieB,...

This varies wildly by employer. Like RobbieB, both DW and I gave ~2 years notice (she a little more, me a little less). Neither of us experienced anything bad from it. (Small physician group &...
Forum: Life after FIRE 12-07-2017, 01:57 PM
Replies: 102
Views: 7,085
Posted By 2017ish
Yeah, the population base for the individual...

Yeah, the population base for the individual market is pretty small, leading to the issues you note--which are definitely a factor to analyze in whether to retire early here (or, like you, move here...
Forum: Life after FIRE 12-07-2017, 01:33 PM
Replies: 102
Views: 7,085
Posted By 2017ish
Your post summarizes the tradeoffs between...

Your post summarizes the tradeoffs between locations quite well. We live on 25 acres outside of Nashville; one son in SanFran, one in NYC, one in Raleigh. Very different places, each with their own...
Forum: FIRE and Money 12-07-2017, 10:32 AM
Replies: 34
Views: 2,503
Posted By 2017ish
There is no income cap on roth conversions, as...

There is no income cap on roth conversions, as opposed to contributions (hence, the "backdoor roth" option).

Basically a matter of comparing marginal tax rate now versus that likely in your...
Forum: FIRE and Money 12-07-2017, 09:44 AM
Replies: 34
Views: 2,503
Posted By 2017ish
I'm not good at this, but "kit_siz" with no hard...

I'm not good at this, but "kit_siz" with no hard accent on either syllable (maybe slightly on the second?). Listen at 12 second mark on this video:

https://www.youtube.com/watch?v=I21IqYHdVVk
Forum: Hi, I am... 12-07-2017, 07:59 AM
Replies: 57
Views: 15,003
Posted By 2017ish
Thanks for doing it (and posting before I started...

Thanks for doing it (and posting before I started my curiosity research!) :)

And, Symbiotic, congratulations and best wishes going forward. I had not read any of your story before. Great thread.
Forum: Travel Information 12-06-2017, 11:57 AM
Replies: 29
Views: 2,284
Posted By 2017ish
Loews/Vandy is a reasonable, medium-long stroll...

Loews/Vandy is a reasonable, medium-long stroll to the heart of Broadway/Ryman/Acme if the weather is nice (less than 2 miles). Otherwise, easy Lyft or Uber. As always, watch out for surge pricing...
Forum: FIRE and Money 12-05-2017, 08:19 AM
Replies: 170
Views: 9,947
Posted By 2017ish
+1. I would say that we fear the two equally...

+1. I would say that we fear the two equally (but we are just getting started on this retirement thing). Like you, we can easily slice the majority of our spending if SHTF; thus, our fixed...
Forum: Other topics 12-05-2017, 07:10 AM
Replies: 94
Views: 3,399
Posted By 2017ish
+1. The McKenzie brothers' "twelve days ..."...

+1. The McKenzie brothers' "twelve days ..." also brings a smile to my face.

(And I am with bclover in detesting the chipmunks christmas song!)
Forum: FIRE and Money 12-04-2017, 06:53 PM
Replies: 170
Views: 9,947
Posted By 2017ish
+1. But, we are only 5 months into retirement...

+1. But, we are only 5 months into retirement and our spending changes/increases were of the type and magnitude that we long planned. So take my response with an extra few grains of salt.
Forum: FIRE and Money 12-04-2017, 03:25 PM
Replies: 220
Views: 21,802
Posted By 2017ish
I know that we could "make it" on 100K, with...

I know that we could "make it" on 100K, with house paid off and cheap/enjoyable things to do. heck, that's far more than my parents or siblings ever made in a year.

Plus, unlike RAchip, we've got...
Forum: FIRE and Money 12-04-2017, 09:55 AM
Replies: 20
Views: 1,018
Posted By 2017ish
Not if existing t-IRA money was all deductible...

Not if existing t-IRA money was all deductible contributions... in that case then the basis is zero and all withdrawals of contributions or growth would be ordinary income.

If some or all of your...
Forum: FIRE and Money 12-04-2017, 07:45 AM
Replies: 20
Views: 1,018
Posted By 2017ish
Not if you separate from service with that...

Not if you separate from service with that employer prior to age 55. See https://www.irs.gov/pub/irs-pdf/p575.pdf Reasonably good overview/explanation here:...
Forum: Other topics 12-04-2017, 07:27 AM
Replies: 63
Views: 2,360
Posted By 2017ish
This. We don't do anything for each other on...

This.

We don't do anything for each other on anniversaries, birthdays, Christmas, and the like. (Although we recently began going out to dinner on new years eve, which is our anniversary--after...
Forum: Other topics 12-02-2017, 02:47 PM
Replies: 61
Views: 2,595
Posted By 2017ish
No doubt. :) BTW, Great thread. DW is our...

No doubt. :)

BTW, Great thread. DW is our true Bourbon drinker/sipper, but I've enjoyed reading the responses.
Forum: Travel Information 12-01-2017, 07:05 AM
Replies: 4,221
Views: 312,325
Posted By 2017ish
I'll probably do an overview post like the one...

I'll probably do an overview post like the one for Peru, but without the Undercurrent-level details!
Forum: Travel Information 12-01-2017, 07:03 AM
Replies: 4,221
Views: 312,325
Posted By 2017ish
Unfortunately, we have some stuff scheduled...

Unfortunately, we have some stuff scheduled elsewhere in March, so had to limit the duration and didn't include Bonaire. Still can't believe we've yet to dive there, but now that we have more time...
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