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Forum: FIRE and Money Yesterday, 07:51 PM
Replies: 25
Views: 614
Posted By pb4uski
I think I would rather go to the dentist that the...

I think I would rather go to the dentist that the "free" meal. Sounds like it it right up there with timeshare freebie pitches.
Forum: FIRECalc support Yesterday, 07:46 PM
Replies: 13
Views: 294
Posted By pb4uski
+ steelyman's response was not near as rude as...

+ steelyman's response was not near as rude as Lynn Z's reply to steelyman's response. Talk about how to make a bad first impression.
Forum: FIRE and Money Yesterday, 07:42 PM
Replies: 11
Views: 347
Posted By pb4uski
Part of AA here too. I tried to keep it separate...

Part of AA here too. I tried to keep it separate when I first retired but it was more confusing than I like. So I just changed my AA from 60/40/0 to 60/34/6 (equities/fixed income/cash). The 6% of...
Forum: FIRE and Money Yesterday, 07:38 PM
Replies: 7
Views: 194
Posted By pb4uski
I do what growing_older (and others) said. My...

I do what growing_older (and others) said. My taxable investments are about 40% of my total assets with tax-deferred 50% and tax-free 10%. My overall AA is 60% equities/40% fixed income. So my...
Forum: FIRE and Money Yesterday, 01:50 PM
Replies: 25
Views: 614
Posted By pb4uski
He's either an idiot or a liar, but either one...

He's either an idiot or a liar, but either one disqualifies him from being your advisor.

His 1.4% is on top of whatever the funds being used charge (not instead of). Stay the course, read and...
Forum: Life after FIRE Yesterday, 06:44 AM
Replies: 64
Views: 2,100
Posted By pb4uski
This year it will just be me, DW, DD and DS. DD...

This year it will just be me, DW, DD and DS. DD is between jobs/cities and will be living with us temporarily starting today for about a month (we think). DS is lives about 45 min away. DD wanted...
Forum: Health and Early Retirement 11-21-2014, 07:25 PM
Replies: 142
Views: 6,250
Posted By pb4uski
Yes, in fact, I have never taken money out of my...

Yes, in fact, I have never taken money out of my HSA or paid any medical expenses from it. Had it 7 years or so. By contributing and paying my medical expenses from taxable funds in effect I have...
Forum: Other topics 11-21-2014, 07:18 PM
Replies: 51
Views: 1,560
Posted By pb4uski
Interesting, never heard of that pex. Sorry to...

Interesting, never heard of that pex. Sorry to hijack this thread, but I'm running a potable water line from my house to my garage but through a 1 1/2" black plastic pipe and was going to just run...
Forum: Health and Early Retirement 11-21-2014, 02:15 PM
Replies: 9
Views: 367
Posted By pb4uski
What is the premium difference?

What is the premium difference?
Forum: Other topics 11-21-2014, 02:07 PM
Replies: 424
Views: 9,511
Posted By pb4uski
It was worse than dropping the ball before the...

It was worse than dropping the ball before the touchdown (which occurs with alarming frequency :facepalm:). Those two guys were totally oblivious to the fact that the offense was getting ready to...
Forum: Health and Early Retirement 11-21-2014, 02:04 PM
Replies: 142
Views: 6,250
Posted By pb4uski
You can also leave the money in the HSA to...

You can also leave the money in the HSA to compound tax-free and keep a file of all your qualifying medical expenses since you had the HSA and withdraw that amount tax-free at any time. Just make...
Forum: FIRE and Money 11-21-2014, 12:44 PM
Replies: 16
Views: 601
Posted By pb4uski
Yes, but you would need to also take a 2017 RMD...

Yes, but you would need to also take a 2017 RMD too so you would double up on your income since your 2017 RMD would need to be done in 2017.

I'm no expert on this, but as I understand it, if you...
Forum: Life after FIRE 11-21-2014, 09:16 AM
Replies: 15,657
Views: 734,172
Posted By pb4uski
DW and DD are wearing me out so much that I'm...

DW and DD are wearing me out so much that I'm thinking for returning to work. :facepalm:

NOT! DW has been on the rampage to get the garage situated so we can actually park cars in there (out of...
Forum: FIRE and Money 11-21-2014, 09:03 AM
Replies: 16
Views: 601
Posted By pb4uski
I agree, but since he would make the withdrawal...

I agree, but since he would make the withdrawal in January 2015 before he turns 70 1/2 in March 2015 would it count towards the initial year RMD that he has to take?

If he turns 70 1/2 in March...
Forum: Other topics 11-21-2014, 08:33 AM
Replies: 424
Views: 9,511
Posted By pb4uski
Yes, I have heard that lions have difficulties...

Yes, I have heard that lions have difficulties digesting bear meat. ;D
Forum: Other topics 11-21-2014, 08:30 AM
Replies: 424
Views: 9,511
Posted By pb4uski
I was listing to the radio in the car yesterday...

I was listing to the radio in the car yesterday and it reported that the real bad part is very concentrated and that if you went a few miles that one might go from lots of snow to very little snow. ...
Forum: Travel Information 11-21-2014, 08:24 AM
Replies: 22
Views: 598
Posted By pb4uski
I would think you would have a lot of choices if...

I would think you would have a lot of choices if you just drove there in January, but I don't have any experience doing that personally.
Forum: FIRE and Money 11-21-2014, 07:46 AM
Replies: 42
Views: 2,643
Posted By pb4uski
+2

+2
Forum: FIRE and Money 11-21-2014, 07:21 AM
Replies: 20
Views: 1,054
Posted By pb4uski
Very smart play. $196 million tax-free. That...

Very smart play. $196 million tax-free. That guy is my hero.
Forum: Health and Early Retirement 11-21-2014, 07:16 AM
Replies: 9
Views: 367
Posted By pb4uski
I ran into the same dilemma in choosing between a...

I ran into the same dilemma in choosing between a HSA-eligible bronze plan and a catastrophic plan that is not HSA eligible. The deductibles/copays of the bronze plan were slightly lower that the...
Forum: FIRE and Money 11-21-2014, 07:10 AM
Replies: 16
Views: 601
Posted By pb4uski
See...

See http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-Required-Minimum-Distributions-(RMDs)
Forum: FIRE and Money 11-20-2014, 07:51 AM
Replies: 116
Views: 6,751
Posted By pb4uski
I prioritized LTGC harvesting in my first year of...

I prioritized LTGC harvesting in my first year of retirement and then decided to prioritize Roth conversions. For us, harvesting will occur"naturally" in ER since we are living off taxable accounts.
Forum: FIRE and Money 11-20-2014, 07:06 AM
Replies: 8
Views: 484
Posted By pb4uski
For us, the benefit of reducing our stay in the...

For us, the benefit of reducing our stay in the 25% tax bracket once RMDs start exceeds the benefit of the subsidy so we continue to do Roth conversions to the top of the 15% bracket. YMMV.
Forum: Other topics 11-20-2014, 06:05 AM
Replies: 46
Views: 1,962
Posted By pb4uski
I wonder if a pellet stove might do the trick. ...

I wonder if a pellet stove might do the trick. We have a Rinnai direct vent propane heater I. or garage loft and are very pleased with it.
Forum: FIRE and Money 11-19-2014, 08:16 AM
Replies: 18
Views: 1,183
Posted By pb4uski
+1 If one's FRA is 65 I think their age 70...

+1 If one's FRA is 65 I think their age 70 benefit would be 140% of the FRA/age 65 benefit which would be $35k rather than $31k and I'm guessing that the $4k difference bridges the difference in...
Showing results 1 to 25 of 7635

 
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