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Forum: Stock Picking (Individual Security Analysis) Today, 09:53 AM
Replies: 24
Views: 628
Posted By youbet
+1 What I don't have time for is reading...

+1

What I don't have time for is reading posts where an individual is going on and one about how busy he is and how he doesn't have the time or inclination to read an article, watch a video, etc....
Forum: FIRE and Money Today, 09:37 AM
Replies: 86
Views: 4,399
Posted By youbet
I think you're missing something Jeff....... ...

I think you're missing something Jeff.......

Your "safe" annual spend rate between 62 and 70 doesn't change much, if at all, whether you start SS at 62, 66 or 70. Try it in FireCalc. You should...
Forum: FIRE and Money Today, 09:29 AM
Replies: 86
Views: 4,399
Posted By youbet
I'm not sure what you mean by "most." 51%? 75%?...

I'm not sure what you mean by "most." 51%? 75%? 99%?

I started at 62 to protect DW due to GPO. But, as a side note, since I began SS just as we began recovery from the "Great Recession," the...
Forum: Other topics Today, 08:56 AM
Replies: 118
Views: 3,055
Posted By youbet
And some working conditions today are better than...

And some working conditions today are better than 20 or 30 years ago. In some cases, far better.

If you're trying to sell you time to someone else and aren't satisfied with the offers you're...
Forum: FIRE and Money Today, 08:39 AM
Replies: 28
Views: 1,601
Posted By youbet
How much are the premiums and what is the maximum...

How much are the premiums and what is the maximum payout in dollars?
Forum: FIRE and Money Today, 08:32 AM
Replies: 28
Views: 1,601
Posted By youbet
I don't know if what you say applies to "most" or...

I don't know if what you say applies to "most" or not. It certainly doesn't apply to me. DW and I are self-insured and without any of the potential negatives you mention.
Forum: Other topics Yesterday, 10:04 PM
Replies: 49
Views: 1,019
Posted By youbet
I use it as a medium of exchange and for storage...

I use it as a medium of exchange and for storage of wealth. Otherwise, could care less about it.
Forum: Other topics Yesterday, 09:43 PM
Replies: 118
Views: 3,055
Posted By youbet
+1 Ultimately, our economy will benefit...

+1

Ultimately, our economy will benefit from employees moving freely from employer to employer to meet employers' demands for their skills. It's inefficient to handcuff employees and employers...
Forum: FIRE and Money Yesterday, 09:12 PM
Replies: 655
Views: 48,821
Posted By youbet
Not sure that would fit the true spirit of frugal...

Not sure that would fit the true spirit of frugal living and LBYM!

Although, I do remember one situation from years ago. I was in a job interview and the interviewer was a bit intimidating to...
Forum: FIRE and Money Yesterday, 08:44 PM
Replies: 655
Views: 48,821
Posted By youbet
I like the idea of doing the spending your...

I like the idea of doing the spending your neighbor does and still being the millionaire next door! Yes, it's possible to have it both ways.......
Forum: FIRE and Money 10-13-2014, 01:45 PM
Replies: 146
Views: 12,313
Posted By youbet
ER planning is extremely common in my wider...

ER planning is extremely common in my wider circle. Folks are having various levels of success as family decisions, career dynamics, the eonomy, health and other life factors step in. But ER...
Forum: Life after FIRE 10-13-2014, 01:32 PM
Replies: 66
Views: 3,339
Posted By youbet
it's really pretty easy. You go on with your...

it's really pretty easy. You go on with your plans for RE saying nothing. If/when expansion of your role happens, accept it and do your very best to excel and give your employer your best effort. ...
Forum: Other topics 10-12-2014, 09:10 PM
Replies: 64
Views: 2,231
Posted By youbet
+1. We own very few "things" that haven't...

+1.

We own very few "things" that haven't made "experiences" possible.
Forum: FIRE and Money 10-09-2014, 04:23 PM
Replies: 121
Views: 6,239
Posted By youbet
Errrr...... OK. Except I don't see the connection...

Errrr...... OK. Except I don't see the connection between your comments and mine. I was just pointing out that the perception of being "upside down in your mortgage" is usually overplayed. In terms...
Forum: FIRE and Money 10-09-2014, 04:16 PM
Replies: 73
Views: 3,835
Posted By youbet
Did you mean "up 300.... down 300?"

Did you mean "up 300.... down 300?"
Forum: FIRE and Money 10-09-2014, 04:04 PM
Replies: 121
Views: 6,239
Posted By youbet
Actually, there is little difference between...

Actually, there is little difference between selling your house for less than you paid of it (cash purchase) and selling your house while you're upside down in a mortgage. In either case, you lose...
Forum: Other topics 10-04-2014, 12:24 AM
Replies: 25
Views: 1,105
Posted By youbet
I'm with you on that one.

I'm with you on that one.
Forum: Other topics 10-04-2014, 12:18 AM
Replies: 25
Views: 1,105
Posted By youbet
For minor inaccuracies such as regional...

For minor inaccuracies such as regional misprononciations, it's critical that the person doing the correcting is able to do it in a way that allows the speaker to go on and that doesn't change the...
Forum: Other topics 09-20-2014, 09:22 AM
Replies: 55
Views: 1,983
Posted By youbet
The finite nature of life is why it's so...

The finite nature of life is why it's so important to spend ALL of your life in enjoyable ways. Spending decades at a "job" you hate and where your biggest enjoyment in life is bitching about your...
Forum: FIRE and Money 09-12-2014, 04:18 PM
Replies: 655
Views: 48,821
Posted By youbet
Similar experience here. One of my best friends...

Similar experience here. One of my best friends inherited his dad's share of a partnership and was promptly bought out for several million by the other partners. He and his DW do some things now they...
Forum: FIRE and Money 09-09-2014, 09:32 PM
Replies: 96
Views: 6,879
Posted By youbet
Actually no... Using the numbers and not...

Actually no...

Using the numbers and not emotions says in our case and with our objectives take SS early.
Forum: Other topics 09-08-2014, 09:34 PM
Replies: 17
Views: 464
Posted By youbet
Google "Birthday Paradox" and read the Wiki. ...

Google "Birthday Paradox" and read the Wiki. It's a similar problem involving two events occurring.

Your current methodology is not correct.
Forum: FIRE and Money 09-08-2014, 04:08 PM
Replies: 111
Views: 11,633
Posted By youbet
Yes. OP's mom needs a trusted friend and...

Yes. OP's mom needs a trusted friend and confidant to help her do what she wants to do for her children and, apparently, that person is OP. Leaving unequal amounts of material possessions to children...
Forum: FIRE and Money 09-08-2014, 03:53 PM
Replies: 111
Views: 11,633
Posted By youbet
I generally agree with this but have made the...

I generally agree with this but have made the following exceptions in our own case:

1. I have a special needs grandson (cerebral palsy) and have set up a significant trust for him. I have...
Forum: FIRE and Money 09-08-2014, 03:40 PM
Replies: 655
Views: 48,821
Posted By youbet
Must be a regional or cultural thing. It's not...

Must be a regional or cultural thing. It's not so common here and with our circle of friends and relatives. The exception might be with commodity type items. If I know a friend drinks Jack Daniels...
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