Join Early Retirement Today
Page 1 of 288 1 231151101 Last »
Showing results 1 to 25 of 7187
Search took 0.16 seconds. Search: Posts Made By: samclem
Forum: FIRE and Money Today, 06:41 PM
Replies: 156
Views: 8,729
Posted By samclem
Do look carefully at those rate increases--they...

Do look carefully at those rate increases--they can be astounding. I was tempted to do as you did, but it wasn't made clear to me at first that the ongoing "adjustments" are really the purchase of...
Forum: FIRE and Money Yesterday, 02:37 PM
Replies: 20
Views: 1,150
Posted By samclem
I think that's what most people would do anyway,...

I think that's what most people would do anyway, so factoring it in is worthwhile. It would be hard to enjoy that expensive vacation or to buy that new car when the portfolio is down far more than...
Forum: FIRE and Money 05-19-2013, 12:25 PM
Replies: 23
Views: 781
Posted By samclem
Consider this scenario: Option 1) For 10 years,...

Consider this scenario:
Option 1) For 10 years, withdraw $20K per year from a tIRA or 401K for living expenses. Every dollar is taxable income.
Option 2) Get a mortgage on a paid-for home and put...
Forum: FIRE and Money 05-19-2013, 11:24 AM
Replies: 37
Views: 3,292
Posted By samclem
I don't follow your reasoning on this....

I don't follow your reasoning on this. Surewhitey's plan isn't affected by market volatility at all--it depends only on the companies continuing to pay their dividends at approximately the same...
Forum: FIRE and Money 05-18-2013, 05:51 PM
Replies: 85
Views: 2,806
Posted By samclem
It's the best bang-for-the-buck. Just remember...

It's the best bang-for-the-buck. Just remember that, unlike an annuity, promised SS benefits are not an enforceable contract. They can change at any time, and a person probably should make an...
Forum: FIRE and Money 05-18-2013, 09:31 AM
Replies: 37
Views: 3,292
Posted By samclem
A 1.5% withdrawal rate? Or should the WR equal...

A 1.5% withdrawal rate? Or should the WR equal real return on these assets ( 0%)? I guess it's back to cheese sandwiches and water for dessert.

That's a bit too conservative for me. The equities...
Forum: FIRE and Money 05-12-2013, 07:52 PM
Replies: 27
Views: 2,115
Posted By samclem
Thanks for the well thought out OP. Lots of...

Thanks for the well thought out OP. Lots of useful stuff there, for sure.
But, I'll be the wet blanket on one point: I just don't find the binary need/want distinction to be useful at all. ...
Forum: Travel Information 05-11-2013, 07:28 PM
Replies: 7
Views: 303
Posted By samclem
I'm not an expert by any means but, I've used...

I'm not an expert by any means but, I've used Priceline in the past for business travel. Observations:
-- Their prices, just the ones listed without trying to bid, can be very good.
-- At...
Forum: FIRE Related Political Topics 05-07-2013, 07:55 PM
Replies: 19
Views: 1,072
Posted By samclem
On the other hand, it wasn't spending programs...

On the other hand, it wasn't spending programs that gave us a prosperous middle class in the first place.
We can't redistribute our way to prosperity--not between "classes" or between...
Forum: FIRE and Money 05-04-2013, 08:21 PM
Replies: 156
Views: 8,729
Posted By samclem
I and several others here are looking for the...

I and several others here are looking for the same thing you are: True insurance: a policy with a long exclusionary period so we can self-insure for awhile. It seems that no company sells LTCi...
Forum: FIRE and Money 05-04-2013, 07:49 PM
Replies: 70
Views: 3,426
Posted By samclem
NC, I think it's great that you've gathered...

NC,
I think it's great that you've gathered enough knowledge to enable you to manage your investments yourself, and I think you'll do better that way. But still, you are probably kidding yourself...
Forum: FIRE Related Political Topics 05-02-2013, 07:40 PM
Replies: 65
Views: 2,294
Posted By samclem
Traditionally, it's probably appropriate to think...

Traditionally, it's probably appropriate to think of the engagement ring for the bride-to-be as an escrow. Probably a bit out of date with the modern hook-up culture.

From Wikipedia, which matches...
Forum: Hi, I am... 05-01-2013, 02:55 AM
Replies: 33
Views: 1,703
Posted By samclem
Best wishes. At the very least, I suggest you...

Best wishes. At the very least, I suggest you look very closely at the embedded fees and costs to you of the investments he recommends (they may not be easy to spot). As you say, I'm sure "he is a...
Forum: Other topics 04-28-2013, 08:21 PM
Replies: 33
Views: 890
Posted By samclem
Just to check: You say "the condenser fan was...

Just to check: You say "the condenser fan was running and blowing cold air". The condenser fan (the one outside) should have been blowing hot air out of the unit. That outside fan was running okay...
Forum: FIRE Related Political Topics 04-28-2013, 08:13 PM
Replies: 12
Views: 387
Posted By samclem
I wonder where this would leave Tax Managed...

I wonder where this would leave Tax Managed mutual funds? Selling stocks that have declined in value to offset gains is one of the big tools they use. They were already losing market share to ETFs....
Forum: FIRE and Money 04-28-2013, 07:56 PM
Replies: 203
Views: 15,046
Posted By samclem
Yes, they are. But that goes for every analyst...

Yes, they are. But that goes for every analyst that tries to find bargain stocks--including those who work for pension funds, insurance companies, etc. Without these guys keeping prices efficient,...
Forum: FIRE and Money 04-28-2013, 02:43 PM
Replies: 7
Views: 513
Posted By samclem
Yes, the law seems inconsistent on this point. ...

Yes, the law seems inconsistent on this point. For example, it is illegal ("prohibited"? "not allowed"?) to use an IRA as collateral for a loan.
Forum: FIRE and Money 04-28-2013, 02:26 PM
Replies: 203
Views: 15,046
Posted By samclem
There's this: Every bit of the siphoning off...

There's this: Every bit of the siphoning off would have been discoverable, the participant can shop smartly to minimize those costs, and the dollars remaining would be the personal property of the...
Forum: Health and Early Retirement 04-28-2013, 02:14 PM
Replies: 530
Views: 20,674
Posted By samclem
Is it legal for an automobile manufacturer to...

Is it legal for an automobile manufacturer to offer a car without seat belts? No, it is not. If the manufacturer did so after being told to stop, they would be subject to penalties under the law. ...
Forum: Health and Early Retirement 04-28-2013, 12:56 PM
Replies: 530
Views: 20,674
Posted By samclem
So a company offers a product that the consumer...

So a company offers a product that the consumer likes, the government makes that product illegal, and the consumer is supposed to blame the company for the problem? I'm sorry, but your point is...
Forum: FIRE and Money 04-28-2013, 09:37 AM
Replies: 36
Views: 1,895
Posted By samclem
Don't beat yourself up. The CPI in 1980 was...

Don't beat yourself up. The CPI in 1980 was 13.51%, so even at these bond rates the government bonds were net losers. And if we think back to the mood of the country at the time, things looked...
Forum: FIRE and Money 04-27-2013, 11:31 PM
Replies: 13
Views: 603
Posted By samclem
We exchange ideas her frequently concerning...

We exchange ideas her frequently concerning annuities and it's fair to say that most of use are opposed to them. Variable annuities have an especially bad reputation, You've identified the reasons...
Forum: FIRE and Money 04-27-2013, 11:01 PM
Replies: 36
Views: 1,895
Posted By samclem
Buy long bonds if you want. It's far too soon to...

Buy long bonds if you want. It's far too soon to know how this story turns out. US currency strength (for now) has much to do with the comparative weakness of Europe. And inflation is as close as...
Forum: Health and Early Retirement 04-27-2013, 02:54 PM
Replies: 530
Views: 20,674
Posted By samclem
Remember when those lobbyists were on the other...

Remember when those lobbyists were on the other side of the debate, fanning the flames pretty hard for the "change." It's a good business to be in, apparently--as long at there are rents, there will...
Forum: Health and Early Retirement 04-27-2013, 12:32 PM
Replies: 530
Views: 20,674
Posted By samclem
When I read Mulligan's post and others like it I...

When I read Mulligan's post and others like it I come to believe a lot of people didn't realize how much they were benefiting from the status quo. And, as you say, as that realization becomes more...
Showing results 1 to 25 of 7187
Page 1 of 288 1 231151101 Last »

 
Forum Jump

Contact Us - Portal Page - FIRECalc - Sitemap - Community Rules - Terms of Service - Privacy - Top
Register | | FAQ |a Calendar | Search | Today's Posts | Mark Forums Read
© Copyright 2010 www.early-retirement.org. All Rights Reserved.
 
All times are GMT -6. The time now is 09:47 PM.
 

Early Retirement News right to your Email!

Stay up-to-date with all the latest news to your inbox!

unsusbcribe at anytime with one click

Close [X]