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Search: Posts Made By: padlin00
Forum: FIRE and Money 11-22-2013, 11:17 PM
Replies: 23
Views: 2,978
Posted By padlin00
What's the benefit as opposed to waiting till FRA...

What's the benefit as opposed to waiting till FRA to file, or file and suspend at FRA and wait till 70?
Forum: Other topics 11-22-2013, 11:10 PM
Replies: 39
Views: 1,589
Posted By padlin00
Not sure if you call it a buying service, through...

Not sure if you call it a buying service, through work I used the X plan from Ford to buy my truck. Went to ford.com, entered the truck I wanted, it spit out a build sheet and a price .4% over dealer...
Forum: Life after FIRE 10-24-2013, 02:13 PM
Replies: 15,402
Views: 714,293
Posted By padlin00
Not much to do today so I went trout fishing in a...

Not much to do today so I went trout fishing in a nearby river. First step in the river I fell on my @%% in about a foot of h20, wet and banged up. Hobbled home and hit the tub. Learned it's very...
Forum: Other topics 10-23-2013, 08:19 PM
Replies: 72
Views: 2,286
Posted By padlin00
We have maybe 20-25 homes in the hood, average...

We have maybe 20-25 homes in the hood, average about an acre each, nothing else nearby. When we moved in 30 years ago we had a lot of kids but they all grew up and left. After dwindling to almost...
Forum: Other topics 10-23-2013, 01:13 PM
Replies: 387
Views: 27,186
Posted By padlin00
Auto Body Air Force, computers ...

Auto Body
Air Force, computers
Computers/Electronics Tech
Supervisor, Technical Support
Forum: Life after FIRE 10-23-2013, 12:51 PM
Replies: 28
Views: 3,004
Posted By padlin00
We have 2 kids and 5 grandkids, son and 2 boys...

We have 2 kids and 5 grandkids, son and 2 boys (5&7) live about 10 minutes away. Daughter with 2 girls and 1 boy, all 3 and under, live about 35 minutes away. Already the boys are busy 24/7 so we see...
Forum: FIRE and Money 10-22-2013, 06:03 PM
Replies: 3
Views: 786
Posted By padlin00
Everyone's circumstances are different. FWIW with...

Everyone's circumstances are different. FWIW with QLP I used 62, 66 and 70 for myself and my wife (same age) and come out much better at 66 then 62 and better at 70 then 66 but not by the margin of...
Forum: Young Dreamers 10-21-2013, 06:39 PM
Replies: 10
Views: 1,254
Posted By padlin00
Have you ever taken a Risk Evaluation to see how...

Have you ever taken a Risk Evaluation to see how much risk you can handle? Here's the one from the Vanguard site. https://personal.vanguard.com/us/FundsInvQuestionnaire Try it out and see what it...
Forum: Other topics 10-20-2013, 04:06 PM
Replies: 16
Views: 1,624
Posted By padlin00
Changed my 1700 sq' ranch from electric (2x6...

Changed my 1700 sq' ranch from electric (2x6 construction) to oil in 93. Including indirect hot water for the year I consistently use 650 gallons a year in western Ma. We do keep the house pretty...
Forum: FIRE and Money 10-17-2013, 05:29 AM
Replies: 86
Views: 4,938
Posted By padlin00
Your original question is if you should look into...

Your original question is if you should look into changing the 1/3 profits you give to the FA.

Yes, you should.

Biggest savings is getting rid of the FA and do it yourself, saving about 1% of...
Forum: FIRE and Money 10-16-2013, 05:16 PM
Replies: 86
Views: 4,938
Posted By padlin00
Seeing as how you refuse to tell us what funds...

Seeing as how you refuse to tell us what funds you are invested in and continue to think your FA is doing a swell job, I wish you the best of luck. May your FA enjoy the new car that you are helping...
Forum: FIRE and Money 10-16-2013, 04:18 AM
Replies: 26
Views: 1,950
Posted By padlin00
You asked if the returns lag the market. Based on...

You asked if the returns lag the market. Based on observing our GIC fund for the last 30+ years, yes they lag, they follow interest rates but very slowly, in both directions. Ours are insured bundles...
Forum: Young Dreamers 10-16-2013, 04:09 AM
Replies: 86
Views: 4,899
Posted By padlin00
Once, 10 weeks ago, took a voluntary layoff as...

Once, 10 weeks ago, took a voluntary layoff as the severance was enough to allow me to ER. After 100 years (30+ for me) the company was bought out, changed from a quality emphasis to a money...
Forum: FIRE and Money 10-15-2013, 05:34 AM
Replies: 86
Views: 4,938
Posted By padlin00
As a total, it's not 3%, it's 1%. You should...

As a total, it's not 3%, it's 1%. You should provide more info on the investments, can't tell what your returns are based on the type of investment.
Forum: Other topics 10-14-2013, 01:29 AM
Replies: 47
Views: 2,161
Posted By padlin00
Think that would dissolve my marriage too.

Think that would dissolve my marriage too.
Forum: FIRE and Money 10-13-2013, 11:29 AM
Replies: 14
Views: 942
Posted By padlin00
Firecalc figures it out anyway, I just don't have...

Firecalc figures it out anyway, I just don't have a single fixed swr like the articles call for.
Forum: FIRE and Money 10-13-2013, 05:27 AM
Replies: 14
Views: 942
Posted By padlin00
So most of us here have, or will have, 2 rates as...

So most of us here have, or will have, 2 rates as we are all early retirees, or RE wanna-be's.

Time to skip the SWR posts and news.
Forum: Life after FIRE 10-13-2013, 12:13 AM
Replies: 22
Views: 2,655
Posted By padlin00
I'm at just about 80 days now, no paranoia as...

I'm at just about 80 days now, no paranoia as yet. Sure I think about what I spend a bit more, but I'm not obsessing about it. I'm starting this adventure with just enough to live as I have, my only...
Forum: FIRE and Money 10-12-2013, 11:45 PM
Replies: 14
Views: 942
Posted By padlin00
I seem to have 2 withdrawal rates

When I run into posts about SWR rules, be it 4%, 3.3%, or whatever, they do not take into account that some folks have 2 withdrawal rates.

Those retire early live off retirement savings only,...
Forum: Other topics 10-12-2013, 11:04 PM
Replies: 53
Views: 1,703
Posted By padlin00
I did give the first few times I ran into them,...

I did give the first few times I ran into them, but no more, they just rub me the wrong way. I even had the girl at Dunkin Donuts ask me to donate to one yesterday. If I had been quick enough I would...
Forum: FIRE and Money 10-10-2013, 04:08 PM
Replies: 26
Views: 1,950
Posted By padlin00
1.83% last 12M, 1.34% YTD.

1.83% last 12M, 1.34% YTD.
Forum: Other topics 10-08-2013, 04:58 PM
Replies: 90
Views: 2,757
Posted By padlin00
Washing dishes many moons ago in a restaurant...

Washing dishes many moons ago in a restaurant that served cafeteria style. The dish room was maybe 6x12 and hot as Hades, the cockroaches were horrendous.
Forum: Health and Early Retirement 10-08-2013, 04:50 PM
Replies: 61
Views: 1,813
Posted By padlin00
17228

17228
Forum: Life after FIRE 10-06-2013, 06:35 AM
Replies: 59
Views: 5,357
Posted By padlin00
Didn't have as solid plans as you did. 20 years...

Didn't have as solid plans as you did. 20 years ago puts us in the early 90's, just before the dot.com boom years, just saving and trying to pay the bills. In the dot.com years we all thought we'd be...
Forum: FIRE and Money 09-29-2013, 08:11 AM
Replies: 63
Views: 6,736
Posted By padlin00
Unexpectedly retired 2 months ago, collecting UE...

Unexpectedly retired 2 months ago, collecting UE for 8 months then on my own. No pension, 57 yo, wife works pt. I have at least a years $ in savings acct from severance. Have about 1 year in I bonds...
Showing results 1 to 25 of 113

 
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