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Search took 0.00 seconds. Search: Posts Made By: padlin00
Forum: FIRE and Money 05-23-2013, 09:24 AM
Replies: 53
Views: 2,989
Posted By padlin00
When in doubt Retirement Planner: Benefits...

When in doubt

Retirement Planner: Benefits For Your Spouse (http://www.socialsecurity.gov/retire2/yourspouse.htm#a0=-1)

From another SS page... The spousal benefit can be as much as half of the...
Forum: FIRE and Money 05-23-2013, 06:12 AM
Replies: 53
Views: 2,989
Posted By padlin00
Your FRA benefit is slightly less if you leave...

Your FRA benefit is slightly less if you leave the workforce before FRA.

As I understand it, if you wait till FRA to file, and your spouse does the same, spouse will get her FRA benefit and the...
Forum: Forum Admin 05-22-2013, 11:32 AM
Replies: 7
Views: 267
Posted By padlin00
Turning off javascript worked for the iphone too,...

Turning off javascript worked for the iphone too, under settings, safari.
Forum: Other topics 05-21-2013, 05:05 AM
Replies: 7
Views: 243
Posted By padlin00
Have you tried it at less then 10 gph flow? I've...

Have you tried it at less then 10 gph flow? I've never had issues. I run 30 lb regulators. You can always call the manufacturer/retailer.
Forum: Travel Information 05-16-2013, 06:05 PM
Replies: 933
Views: 40,853
Posted By padlin00
Got 2 weeks in Asheville NC this Sept then 2...

Got 2 weeks in Asheville NC this Sept then 2 weeks on St John USVI come April, life is good.
Forum: FIRE and Money 05-16-2013, 06:01 PM
Replies: 48
Views: 2,884
Posted By padlin00
Common wisdom is it take roughly 30% equities to...

Common wisdom is it take roughly 30% equities to keep up with inflation, how about starting at 25% or 30% equities put in a diversified group of low cost index funds, or a single balanced. Put it in...
Forum: FIRE and Money 05-16-2013, 05:52 PM
Replies: 32
Views: 1,025
Posted By padlin00
I've been in a Stable Value fund for a long time,...

I've been in a Stable Value fund for a long time, the one we have seems to follow mortgage interest rates in a delayed fashion. It's always a few years behind. Makes sense as that's what it is,...
Forum: Other topics 05-16-2013, 05:37 PM
Replies: 75
Views: 2,111
Posted By padlin00
Another want for a new RV, have a Hybrid trailer,...

Another want for a new RV, have a Hybrid trailer, want a Class B like the Sportsmobile or Pleasure-Way.
Forum: FIRE and Money 05-16-2013, 05:32 PM
Replies: 53
Views: 2,288
Posted By padlin00
Me... Paid for tuition and supplies through 4...

Me... Paid for tuition and supplies through 4 year college. Encouraged them to live on campus but the board was theirs to handle.

Wife... Gifts are almost 10% of our spending, I won't call it a...
Forum: FIRE and Money 05-12-2013, 04:57 AM
Replies: 39
Views: 1,264
Posted By padlin00
I've not seen any "expert" recommendations for...

I've not seen any "expert" recommendations for how much to save be stated as anything but a single figure, as in 15% or some such, so I combine.
Forum: Hi, I am... 05-07-2013, 01:42 AM
Replies: 11
Views: 689
Posted By padlin00
Welcome Miranda, for a decent idea of how you'd...

Welcome Miranda, for a decent idea of how you'd do financially once retired you can try plugging your numbers into Firecalc, I-Orp, or Fidelity's Retirement Income Planner if you have an account.
Forum: Life after FIRE 05-05-2013, 11:03 PM
Replies: 15
Views: 631
Posted By padlin00
Doesn't really have much to do with ER but after...

Doesn't really have much to do with ER but after 32 years in the house that we bought new we're in the midst of the following starting 4 or 5 years ago.

Just had the roof peeled and replaced less...
Forum: FIRE and Money 05-05-2013, 10:53 PM
Replies: 84
Views: 4,790
Posted By padlin00
I believe I can safely say I'm much better off...

I believe I can safely say I'm much better off financially married, my wife is the frugal one. As long as we don't add in kids and grand kids, those are the areas where she is NOT frugal.
Forum: Life after FIRE 05-04-2013, 05:30 AM
Replies: 13
Views: 459
Posted By padlin00
As long as it has 2 wheels and isn't too big. You...

As long as it has 2 wheels and isn't too big. You might want to think about a seat like this too. Mid West Garden Caddy Tractor Seat on Wheels: Gardening & Lawn Care : Walmart.com...
Forum: FIRECalc support 05-02-2013, 11:49 PM
Replies: 36
Views: 1,180
Posted By padlin00
I go by family history mostly, figuring (and...

I go by family history mostly, figuring (and livingto100.com agrees) I'm history early/mid 80's so I use 85 in the calculators. All the women on my wife's side live to the early/mid 90's so I use 95...
Forum: FIRE and Money 05-02-2013, 11:25 PM
Replies: 15
Views: 1,178
Posted By padlin00
Sounds like a good idea when the market is doing...

Sounds like a good idea when the market is doing great. I remember folks taking out loans against their homes in the late 90's to invest it in the Nasdaq which was going gang busters. Didn't work out...
Forum: FIRE and Money 05-02-2013, 11:12 PM
Replies: 150
Views: 8,764
Posted By padlin00
Didn't account for how one might feel after doing...

Didn't account for how one might feel after doing the same job for 37 years. I don't hate my job at all, I'd just rather be doing something else now. Now if I had had the foresight to find a job...
Forum: FIRE and Money 04-28-2013, 05:20 AM
Replies: 93
Views: 5,692
Posted By padlin00
If one wants to spend $70k a year with $1.2M in...

If one wants to spend $70k a year with $1.2M in assets, 4% won't do it. Instead one could divide the assets into 2 piles, one portion to cover expected SS in the pre SS years, the other portion for...
Forum: Young Dreamers 04-25-2013, 01:28 AM
Replies: 235
Views: 15,072
Posted By padlin00
Worse part of my j*b is that it's no longer the...

Worse part of my j*b is that it's no longer the job it used to be, I'm in a dying industry, Newspapers, and I'm too old and making too much to leave it and start over. Where it used to be exciting...
Forum: FIRE and Money 04-13-2013, 02:45 PM
Replies: 52
Views: 3,220
Posted By padlin00
2000 happened, sure was nice dreaming how rich...

2000 happened, sure was nice dreaming how rich you'd be by 55. Current impediment is our income, if we made twice as much we could ER twice as fast.
Forum: FIRE and Money 04-07-2013, 07:37 PM
Replies: 30
Views: 1,503
Posted By padlin00
For what it's worth, Fidelity suggests 10%. I...

For what it's worth, Fidelity suggests 10%. I like the idea of holding off till 8 as mentioned above so inflation is not as big a factor. You could also look at inflation adjusted SPIAs, you can get...
Forum: Travel Information 04-03-2013, 03:43 PM
Replies: 41
Views: 1,582
Posted By padlin00
We live outside Springfield, last summer we went...

We live outside Springfield, last summer we went to Cape Cod for a week and found that the National Park pass we had bought for a fall trip the year before got us into all the national seashore parks...
Forum: Travel Information 04-02-2013, 05:56 PM
Replies: 30
Views: 775
Posted By padlin00
IMO, Times square was neat but the Met was...

IMO, Times square was neat but the Met was better. Last time there King Tut was at the Museum of Nat History, would have loved to go but it was packed with school kids. Wicked was really cool at the...
Forum: Life after FIRE 03-21-2013, 01:55 PM
Replies: 47
Views: 3,123
Posted By padlin00
Got room for another? Looking at Dec of 16 when I...

Got room for another? Looking at Dec of 16 when I turn 60. Like Diver We'd like to stash away some extra for travel which for us adds a year. No pensions so we're on our own till SS @ 66 when my wife...
Forum: FIRE and Money 03-16-2013, 07:19 PM
Replies: 47
Views: 1,572
Posted By padlin00
I Bonds, and I'll be on the Cape in June too.

I Bonds, and I'll be on the Cape in June too.
Showing results 1 to 25 of 42
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