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Forum: Life after FIRE Today, 06:04 AM
Replies: 14
Views: 371
Posted By pb4uski
I was quite involved in a community organization...

I was quite involved in a community organization in my early 30s and it was the epitome of volunteer creep... ultimately becoming a job. I politefully declined when they wanted me to be President...
Forum: Other topics Today, 05:56 AM
Replies: 10
Views: 317
Posted By pb4uski
So you're telling me that DD or DS will NOT want...

So you're telling me that DD or DS will NOT want DW's college notes and mimeographs that I have moved 3-4 times over the last 30 years and to my knowledge have never been looked at?

I kid you not.
Forum: Life after FIRE Today, 05:37 AM
Replies: 9
Views: 259
Posted By pb4uski
Mine was mixed.... if the drama didn't affect...

Mine was mixed.... if the drama didn't affect client service I pretty much ignored it.... if it looked like it might affect client service then I would intervene.
Forum: Life after FIRE Today, 05:22 AM
Replies: 16,640
Views: 824,783
Posted By pb4uski
When I owe I file early electronically but set up...

When I owe I file early electronically but set up a payment for April so I can be done.
Forum: FIRE and Money Yesterday, 09:14 PM
Replies: 163
Views: 8,925
Posted By pb4uski
60/40 AA... up 2.0% [3/31 balance/(12/31...

60/40 AA... up 2.0%

[3/31 balance/(12/31 balance - YTD withdrawals)] -1

Benchmark = Vanguard 2020 Target Retirement is up 2.18%... * 94% to adjust for my 6% cash is 2.05% so I'm slightly...
Forum: FIRE and Money Yesterday, 05:00 PM
Replies: 29
Views: 1,107
Posted By pb4uski
I've never had the gift of being smart enough to...

I've never had the gift of being smart enough to differentiate between people who are in trouble as the result of their own actions or in-actions from those who are in trouble for reasons not of...
Forum: FIRE and Money Yesterday, 02:34 PM
Replies: 29
Views: 1,107
Posted By pb4uski
No good deed goes unpunished....

I'm hoping that someone on this board has found a good solution to one of my pet peeves.

As background, for the last 30 or so years, I have made numerous charitable contributions, usually by...
Forum: FIRE and Money Yesterday, 01:14 PM
Replies: 5
Views: 277
Posted By pb4uski
If you are self-employed they are deductible as a...

If you are self-employed they are deductible as a business expense. See Don’t Miss the Health Insurance Deduction if You’re Self-Employed...
Forum: Hi, I am... Yesterday, 01:08 PM
Replies: 21
Views: 712
Posted By pb4uski
Welcome to the club.... and congratulations!!! ...

Welcome to the club.... and congratulations!!! :dance:
Forum: Health and Early Retirement Yesterday, 12:29 PM
Replies: 15
Views: 316
Posted By pb4uski
You mean subsidies, right? or has your...

You mean subsidies, right? or has your spell-checker gone wild!
Forum: Other topics Yesterday, 12:28 PM
Replies: 20
Views: 405
Posted By pb4uski
+1 and if your neighbor is a jerk, paint the side...

+1 and if your neighbor is a jerk, paint the side of the boards facing their side an obnoxious color before installing. Bright pink? Bright orange? ;D
Forum: Other topics Yesterday, 11:55 AM
Replies: 20
Views: 405
Posted By pb4uski
Good point TP. At 20' one would need 3 posts...

Good point TP. At 20' one would need 3 posts with a 16' spacing so just make it 10' spacing and declare victory. 3 posts either way.

In the OP Al indicated that putting the posts 16' apart would...
Forum: Health and Early Retirement Yesterday, 11:44 AM
Replies: 15
Views: 316
Posted By pb4uski
The federal government is paying the $600/month...

The federal government is paying the $600/month to BCBS. $800 a month is not artificially high depending on where you live and what kind of plan you have though I will say that at that monthly rate...
Forum: FIRE and Money Yesterday, 11:41 AM
Replies: 32
Views: 1,856
Posted By pb4uski
Here is what I would do if I were the POA. ...

Here is what I would do if I were the POA. First, I would assess whether the timing of the transfer of the home that Dad lives in to me might cause a problem and consult an attorney if necessary. ...
Forum: Health and Early Retirement Yesterday, 09:49 AM
Replies: 15
Views: 316
Posted By pb4uski
You can look at the $600/month advance premium...

You can look at the $600/month advance premium credit you are receiving as the feds helping you out with your health insurance costs because your income is low. While in a sense it helps the health...
Forum: Hi, I am... Yesterday, 09:31 AM
Replies: 12
Views: 1,029
Posted By pb4uski
I think you're probably ok. I presume that...

I think you're probably ok. I presume that you're living on the $24k a year that you take home and that is sufficient for your lifestyle. If you retire, your pension would be $13k so from 55 to SS...
Forum: FIRE and Money Yesterday, 09:06 AM
Replies: 44
Views: 1,660
Posted By pb4uski
I can see why she would be miffed and I would be...

I can see why she would be miffed and I would be in those circumstances as well. I wonder if there may be a sexist thing going on since the male child was selected to be the executor. Also, it is...
Forum: FIRE and Money Yesterday, 08:55 AM
Replies: 44
Views: 1,660
Posted By pb4uski
+1 A possible inheritance wasn't anywhere near...

+1 A possible inheritance wasn't anywhere near my radar screen when I was 25 years old. I was focused on career and earning my own way. While I knew Mom & Dad were well off it was their money.
Forum: Hi, I am... Yesterday, 07:31 AM
Replies: 6
Views: 578
Posted By pb4uski
CarolsV.... welcome. travelover.....quite...

CarolsV.... welcome.

travelover.....quite the warm welcome there...... give the newbie a break.
Forum: FIRE and Money Yesterday, 07:29 AM
Replies: 32
Views: 2,121
Posted By pb4uski
A Roth conversion is not a withdrawal and doesn't...

A Roth conversion is not a withdrawal and doesn't affect your WR. It is just moving money from one pocket (a taxable IRA) to another pocket (the Roth IRA). Also, if you sell and buy the same ticker...
Forum: Other topics Yesterday, 07:04 AM
Replies: 20
Views: 405
Posted By pb4uski
For a deck and pool shed that we had at our old...

For a deck and pool shed that we had at our old house what we did is we dug a hole, put a flat stone at the bottom of the hole and then had the "post" be a section of Sch-40 PVC pipe from the bottom...
Forum: FIRE and Money Yesterday, 06:56 AM
Replies: 32
Views: 2,121
Posted By pb4uski
The dilemma with "safe" withdrawal rates of 3-4%...

The dilemma with "safe" withdrawal rates of 3-4% depending on your age when you retire is that since it is effectively based on a worst case scenario it is more likely than not that one would either...
Forum: Other topics 03-30-2015, 10:33 PM
Replies: 20
Views: 405
Posted By pb4uski
It is easier and cheaper to do it right rather...

It is easier and cheaper to do it right rather than do it over.

There is a fine line between frugal and cheap and you are crossing it.

Hire someone to drill the post holes.
Forum: FIRE and Money 03-30-2015, 10:17 PM
Replies: 44
Views: 1,660
Posted By pb4uski
+1 with the others... ignore it and if it happens...

+1 with the others... ignore it and if it happens then it is gravy. I'll tell you why. I have a friend whose retirement plan seemed to be inheritances from his parents and a rich uncle. He had a...
Forum: FIRE and Money 03-30-2015, 03:45 PM
Replies: 32
Views: 2,121
Posted By pb4uski
Perhaps it is but inflation is typically in a...

Perhaps it is but inflation is typically in a tighter range than investment returns so the likelihood of an adverse sequence of inflation being calamitous isn't very high... besides, bond returns...
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