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Forum: Other topics 11-25-2017, 01:54 PM
Replies: 75
Views: 3,869
Posted By Spock
Having worked in IT my entire career, I can...

Having worked in IT my entire career, I can attest to being despised as I aged.
Its not like I went stale... I had a major patent filed the same month I turned 55, but I was out the door one month...
Forum: Life after FIRE 11-20-2017, 03:08 PM
Replies: 74
Views: 5,162
Posted By Spock
Running away from all stress just lowers your...

Running away from all stress just lowers your sensitivity to what you find stressful.

I fully understand avoiding the news to avoid stress... I do it myself. But it needs to be balanced else as...
Forum: Other topics 11-20-2017, 08:06 AM
Replies: 25
Views: 957
Posted By Spock
When I worked on fuel control systems for...

When I worked on fuel control systems for business jets, the industry joke was:
In the future cockpits will be designed to have a human and a dog.
The humans job will be to feed the dog.
The dogs...
Forum: FIRE and Money 11-18-2017, 11:17 AM
Replies: 65
Views: 4,202
Posted By Spock
Reading between the lines, the parents were...

Reading between the lines, the parents were anticipating medicaid coming after their assets to reimburse for medicaid paying for their eldercare,
So grant the parents wishes by placing them in a a...
Forum: Young Dreamers 11-14-2017, 05:55 PM
Replies: 13
Views: 3,878
Posted By Spock
this is going to sound cynical, but since you're...

this is going to sound cynical, but since you're in tech...
first look around your office and count how many people are "over 50" (or over 45) as a % of the total, then swag the odds of your being...
Forum: Health and Early Retirement 11-14-2017, 12:23 PM
Replies: 34
Views: 2,142
Posted By Spock
My signup went smooth almost 2 weeks ago. The...

My signup went smooth almost 2 weeks ago. The only malfunction is I get emails and phone calls saying I still have to submit my application... making me wonder if I forgot to click something.
So I...
Forum: FIRE and Money 11-14-2017, 12:17 PM
Replies: 10
Views: 848
Posted By Spock
For security, I don't understand why people would...

For security, I don't understand why people would give anybody direct access to withdraw from their checking account with a debit card.

A credit card puts in a buffer where charges can be review...
Forum: FIRE and Money 11-14-2017, 12:04 PM
Replies: 33
Views: 1,740
Posted By Spock
I'm engineering myself to the top of the bottom...

I'm engineering myself to the top of the bottom bracket.

For apples-to-apples comparison, I'll use the same income in 2018 as I'll have in 2017 because the average wage earner is not going to be...
Forum: FIRE and Money 11-14-2017, 11:37 AM
Replies: 47
Views: 3,963
Posted By Spock
I'm going through this now with my Dad's...

I'm going through this now with my Dad's finances. He gets 2 inches of scam mail EVERY DAY and responds to all of it. I could go into tons of examples, but this isn't the place for it.
He has a...
Forum: Other topics 11-14-2017, 11:13 AM
Replies: 50
Views: 1,481
Posted By Spock
Robert Plant "covers" Zep Black Dog with Allison...

Robert Plant "covers" Zep Black Dog with Allison Krauss
https://www.youtube.com/watch?v=siMngU66j1Q
Forum: Other topics 09-20-2017, 11:47 AM
Replies: 23
Views: 1,124
Posted By Spock
road pirates. Pirate couldn't see if you were...

road pirates.
Pirate couldn't see if you were beside the bus already when the reds came on... you felt happy to pay $170 because "it could have been worse"... he knocked down the ticket to try to...
Forum: FIRE and Money 09-20-2017, 11:35 AM
Replies: 18
Views: 1,285
Posted By Spock
99% of credit bureaus give the rest a bad name.

99% of credit bureaus give the rest a bad name.
Forum: Life after FIRE 09-20-2017, 11:27 AM
Replies: 37
Views: 2,264
Posted By Spock
underwear. best way to get fired.

underwear.
best way to get fired.
Forum: Other topics 09-20-2017, 11:26 AM
Replies: 56
Views: 2,178
Posted By Spock
5 windows in our house have shower curtains (on...

5 windows in our house have shower curtains (on expandable shower rods).
A couple of long skinny windows have a matched pair of beach towels loop over and sewn to hold a rod.
The rest have whatever...
Forum: FIRE and Money 09-15-2017, 02:00 PM
Replies: 28
Views: 2,206
Posted By Spock
Central banks have pumped $2TRILLION YTD into the...

Central banks have pumped $2TRILLION YTD into the markets.... gotta keep those balloons inflated.
BofA: $2 Trillion YTD In Central Bank Liquidity Is Why Stocks Are At Record Highs | Zero Hedge...
Forum: FIRE and Money 09-12-2017, 11:45 AM
Replies: 106
Views: 6,745
Posted By Spock
I'm heading the other way. If most everybody...

I'm heading the other way.
If most everybody freezes their credit, the credit agencies won't make as much money selling access to your info (in parallel we need to hammer on congress to make...
Forum: FIRE Related Public Policy 09-12-2017, 10:38 AM
Replies: 41
Views: 6,059
Posted By Spock
The "all their SS payments are from theirs and...

The "all their SS payments are from theirs and their employers' contributions." statements are worth another review as the "math" is similar to those who buy a lump sum annuity... it takes 15 years...
Forum: FIRE Related Public Policy 09-07-2017, 09:19 AM
Replies: 41
Views: 6,059
Posted By Spock
There is a calculator on the SSA website that...

There is a calculator on the SSA website that allows you to assume no income between now and collecting SS. Run the simulator to get the $ figure without continued pay checks.

Also... the 50%...
Forum: Hi, I am... 09-06-2017, 06:27 PM
Replies: 210
Views: 17,842
Posted By Spock
Prices are very location specific... but my...

Prices are very location specific... but my Obamacare is 73/month with a MAGI just above the minimum required to avoid medicaid. The numbers you're quoting sound like unsubsidized rates. COBRA...
Forum: Hi, I am... 09-06-2017, 06:18 PM
Replies: 24
Views: 2,267
Posted By Spock
Only you can determine how risk averse you are. ...

Only you can determine how risk averse you are.

Personally, the one of the big reasons the markets are up is central banks pumping trillions into the market, either by directly buying the assets...
Forum: Life after FIRE 09-06-2017, 05:04 PM
Replies: 51
Views: 3,008
Posted By Spock
If the choice is hurricanes or N. Illinois I'd...

If the choice is hurricanes or N. Illinois I'd take the hurricanes.
Seeing you're in W. Galveston would suggest you could move a bit inland to still enjoy Tx... move 200 miles vs. 2000 miles.
Forum: Hi, I am... 09-06-2017, 04:58 PM
Replies: 210
Views: 17,842
Posted By Spock
Since you now have time on your hands, IMO you...

Since you now have time on your hands, IMO you need to spend it doing the following:
1. job search. this can be a full time job. finding jobs that fit your skill set, customizing resumes to meet...
Forum: FIRE Related Public Policy 09-05-2017, 10:57 AM
Replies: 74
Views: 2,968
Posted By Spock
We are now 8-10 YEARS into the "Great Recession"....

We are now 8-10 YEARS into the "Great Recession".
* The labor participation rate is still near its recession low.
* The US federal reserve is STILL buying mortgage backed securities.
* "nearly...
Forum: FIRE and Money 09-04-2017, 06:00 PM
Replies: 124
Views: 6,141
Posted By Spock
The "my pension is X% funded" all depends on what...

The "my pension is X% funded" all depends on what % return is assumed long term.
The following link shows what happened when MN changed the % from 8 to 4.7.
"pension has started using a rate of 4.7...
Forum: FIRE Related Public Policy 09-04-2017, 05:40 PM
Replies: 74
Views: 2,968
Posted By Spock
The only way this stays limited is if the country...

The only way this stays limited is if the country that got hit (US) did not respond in kind. So deducing/wild a$$ guessing a scenario from that given current events there are 2 scenarios:
1. Part...
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