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Search: Posts Made By: pb4uski
Forum: FIRE and Money Yesterday, 05:36 PM
Replies: 129
Views: 7,164
Posted By pb4uski
You jump to WAY too many conclusions. DW and I...

You jump to WAY too many conclusions. DW and I are quite compatible, financially and otherwise. We are both LBYM, but she is more frugal than I. She knows we are well off as we live on the water...
Forum: FIRE and Money 07-30-2014, 08:43 PM
Replies: 21
Views: 1,004
Posted By pb4uski
I doubt this clown lawyer will ever see...

I doubt this clown lawyer will ever see employment again.
Forum: FIRE and Money 07-30-2014, 06:49 PM
Replies: 18
Views: 864
Posted By pb4uski
That's why my target is 6% cash (as part of 40%...

That's why my target is 6% cash (as part of 40% total fixed income). The cash only earns 1%, but that is better than nothing.
Forum: Other topics 07-30-2014, 06:28 PM
Replies: 7
Views: 273
Posted By pb4uski
+1 For the amount involved, I wouldn't do...

+1 For the amount involved, I wouldn't do anything as even if things went totally bad each member has less than $200 at risk.

If you decide to do something, what you could to is have the...
Forum: FIRE and Money 07-30-2014, 06:20 PM
Replies: 21
Views: 1,004
Posted By pb4uski
Vanguard is unique in the industry in that its is...

Vanguard is unique in the industry in that its is owned by the mutual fund shareholders it serves, sort of like a mutual or cooperative owned by its members.

Most other players are shareholder...
Forum: FIRE and Money 07-30-2014, 12:09 PM
Replies: 129
Views: 7,164
Posted By pb4uski
Something like that would make it tempting to key...

Something like that would make it tempting to key her personal ride.
Forum: FIRE and Money 07-30-2014, 12:05 PM
Replies: 129
Views: 7,164
Posted By pb4uski
Similar here, but I suspect I will regret the day...

Similar here, but I suspect I will regret the day DW figures it out. She hasn't asked and I haven't told. ;D
Forum: Life after FIRE 07-30-2014, 08:22 AM
Replies: 50
Views: 1,338
Posted By pb4uski
But if you drink enough Long Trail and enough...

But if you drink enough Long Trail and enough Otter Creek then it can get confusing, so let's give Sarah a pass. ;D
Forum: FIRE and Money 07-30-2014, 08:10 AM
Replies: 61
Views: 4,588
Posted By pb4uski
That's his top advice? Dumb. This is another...

That's his top advice? Dumb. This is another book I won't need to read.[/QUOTE]



I'm not sure if your followed the entire thread, but the author of the piece cited by the OP indicated that...
Forum: Life after FIRE 07-30-2014, 05:30 AM
Replies: 50
Views: 1,338
Posted By pb4uski
Good point I forgot about, they are also a form...

Good point I forgot about, they are also a form of muscle relaxant but don't overdose!
Forum: FIRE and Money 07-30-2014, 05:28 AM
Replies: 23
Views: 2,331
Posted By pb4uski
I wonder if you could form a C corporation and...

I wonder if you could form a C corporation and contribute some of the properties to the corporation in exchange for stock. The the corp owns and operates the properties and pays you for running it...
Forum: FIRE and Money 07-30-2014, 05:15 AM
Replies: 61
Views: 4,588
Posted By pb4uski
I'll agree to disagree with you on this one. ...

I'll agree to disagree with you on this one. Nothing says that I have to compare what I earn to CDs. In fact, if that was my only investment alternative with the proceeds I would not have...
Forum: FIRE and Money 07-29-2014, 09:11 PM
Replies: 16
Views: 501
Posted By pb4uski
I was wondering the same thing - whether it is...

I was wondering the same thing - whether it is possible to mitigate part of the risk of owning such an undiversified position through some options strategies.
Forum: Life after FIRE 07-29-2014, 09:06 PM
Replies: 50
Views: 1,338
Posted By pb4uski
Switchback is great, as is Trout River Rainbow...

Switchback is great, as is Trout River Rainbow Red.

By any chance did you have any ice cider when you were here? It tastes to me similar to a sweet dessert wine. Very good... and very expensive....
Forum: FIRE and Money 07-29-2014, 07:02 PM
Replies: 21
Views: 656
Posted By pb4uski
I'm not a big fan of 529s because of poor...

I'm not a big fan of 529s because of poor investment choices, high fees and the restrictions that go along with them but that may have changed since I last looked at them. We just saved for our kids...
Forum: Life after FIRE 07-29-2014, 06:55 PM
Replies: 50
Views: 1,338
Posted By pb4uski
I agree, but it is much more than for just health...

I agree, but it is much more than for just health insurance. Our demographics are getting older. IIRC we are one of the oldest states in the nation.

People want to live here because of the...
Forum: Young Dreamers 07-29-2014, 06:46 PM
Replies: 9
Views: 422
Posted By pb4uski
Given your income level, you're likely in a much...

Given your income level, you're likely in a much higher tax bracket than when you retire, so I would max out tax-deferred savings first and then Roth and then taxable accounts.
Forum: Life after FIRE 07-29-2014, 06:34 PM
Replies: 50
Views: 1,338
Posted By pb4uski
In this case, the devil is definitely in the...

In this case, the devil is definitely in the details, which have yet to be worked out. The Governor was required by statute to provide the legislature with a plan as to how to pay for it last spring...
Forum: Life after FIRE 07-29-2014, 06:30 PM
Replies: 50
Views: 1,338
Posted By pb4uski
The flaw in your conclusion is that you are...

The flaw in your conclusion is that you are comparing age rated plans with plans that are not age rated. I noted that in the second link it cited "Of the 12 states analyzed the average premiums for...
Forum: FIRE and Money 07-28-2014, 08:53 PM
Replies: 14
Views: 606
Posted By pb4uski
Have you considered a 15 year fixed? In our...

Have you considered a 15 year fixed? In our parts, a 30 year fixed is the same as your 4.25% but a 15 year fixed is 3.375%. If you can afford the payments (about 144% of 30 year fixed payments),...
Forum: FIRE and Money 07-28-2014, 08:44 PM
Replies: 61
Views: 4,588
Posted By pb4uski
+1 I refinanced at 3.375% in early 2012 just...

+1 I refinanced at 3.375% in early 2012 just before I retired (but after I stopped working - I was "on vacation"). Since then my portfolio has averaged a 14.7% annual return so I'm ahead 11.3% a...
Forum: Hi, I am... 07-28-2014, 08:35 PM
Replies: 12
Views: 1,345
Posted By pb4uski
No disrespect, but why would one want a...

No disrespect, but why would one want a MacMansion in retirement even if one could afford it? Much more to maintain, keep clean and tidy, etc. Unless you have cleaning staff, not for me.
Forum: FIRE and Money 07-28-2014, 08:27 PM
Replies: 21
Views: 1,602
Posted By pb4uski
+1 and I really liked my boss.

+1 and I really liked my boss.
Forum: Life after FIRE 07-28-2014, 08:23 PM
Replies: 50
Views: 1,338
Posted By pb4uski
They are definitely an acquired taste. The first...

They are definitely an acquired taste. The first one I had I didn't particularly like, but i kept having them because DD and DW had bought a case! I like them now but can't have more than one at a...
Forum: FIRE and Money 07-28-2014, 08:19 PM
Replies: 46
Views: 3,645
Posted By pb4uski
Great for you. Not all plans allow it. There is...

Great for you. Not all plans allow it. There is an old thread on this but as I recall back in 1996 there was legislation that allowed penalty-free early withdrawals if the plan participant left...
Showing results 1 to 25 of 6905

 
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