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Search: Posts Made By: Red_y
Forum: Life after FIRE 02-12-2013, 10:01 PM
Replies: 40
Views: 5,309
Posted By Red_y
Nope. Personally, I don't need them as I live in...

Nope. Personally, I don't need them as I live in Canada and am covered by our provincial health care system for $66/month. But I did moonlight at H&R for six years in the US prior to immigrating to...
Forum: Life after FIRE 02-12-2013, 09:09 PM
Replies: 40
Views: 5,309
Posted By Red_y
How about seasonal, as opposed to part-time work?...

How about seasonal, as opposed to part-time work? As in tax preparation...I work full time for H&R Block from mid-Feb through April but have the rest of the year off.

I like to travel during the...
Forum: FIRE and Money 07-28-2012, 05:37 PM
Replies: 4
Views: 2,149
Posted By Red_y
I was referring to CPP and I actually don't need...

I was referring to CPP and I actually don't need any CPP credits to qualify for Social Security benefits. My work history in the US is sufficient.

Based on the helpful link provided, I looked at...
Forum: FIRE and Money 07-27-2012, 02:38 PM
Replies: 4
Views: 2,149
Posted By Red_y
Very good information; thanks. I will...

Very good information; thanks.

I will qualify for full Social Security benefits in the US, having worked there most of my adult life. I immigrated to Canada in 2007 at age 50 and have been working...
Forum: FIRE and Money 07-12-2012, 09:35 PM
Replies: 16
Views: 1,640
Posted By Red_y
Like the name implies, a Roth IRA (Individual...

Like the name implies, a Roth IRA (Individual Retirement Arrangement) is a retirement account. Withdrawals of any earnings in the account taken before your are 59 1/2 years old will be taxed as...
Forum: FIRE and Money 03-02-2012, 09:29 PM
Replies: 32
Views: 3,631
Posted By Red_y
Sirius offers an "ala carte" plan where you pick...

Sirius offers an "ala carte" plan where you pick 50 channels out of their total line-up. $8.77 a month including tax. Only some of their radio receivers are compatible with the "ala carte" plan, so...
Forum: FIRE and Money 08-09-2011, 10:57 PM
Replies: 12
Views: 2,556
Posted By Red_y
You absolutely can not use the property yourself...

You absolutely can not use the property yourself while it's in the IRA. That would be a prohibited transaction per IRS rules. Good layman's discussion of prohibited transactions here: Real Estate in...
Forum: FIRE and Money 08-08-2011, 09:52 PM
Replies: 12
Views: 2,556
Posted By Red_y
o2chim2 -- I'll provide some information about...

o2chim2 -- I'll provide some information about custodians for a Self-directed IRA...these two are usually mentioned as experienced, ethical operators who could help you set up an IRA to contain real...
Forum: Stock Picking and Market Strategy 03-15-2011, 10:25 PM
Replies: 36
Views: 5,268
Posted By Red_y
I was a long-time Vanguard customer and proponent...

I was a long-time Vanguard customer and proponent until they decided I am a persona non grata because I live in Canada.

Now after switching to Fidelity, I'm very satisfied with their website,...
Forum: FIRE and Money 02-16-2011, 09:59 PM
Replies: 44
Views: 5,080
Posted By Red_y
ESR'd at 49 in 2007 w/ 5 years of living expenses...

ESR'd at 49 in 2007 w/ 5 years of living expenses in after-tax accounts, which kept me from going off the deep end during the recent market "troubles". I have a large contribution basis in my Roth...
Forum: FIRE and Money 02-03-2011, 09:30 AM
Replies: 39
Views: 2,621
Posted By Red_y
I can clear this up. When you open a brokerage...

I can clear this up. When you open a brokerage account in the US, or attempt to change the address on an existing account, the firm will cross-match your designated home address with a database of...
Forum: FIRE and Money 01-01-2011, 11:57 AM
Replies: 163
Views: 11,952
Posted By Red_y
I was 50% in cash after April...don't know how to...

I was 50% in cash after April...don't know how to calculate IRR but my portfolio is 5% higher than it was at the beginning of 2010, and that's AFTER withdrawing 3.5% for living expenses.
Forum: FIRE and Money 01-01-2011, 11:52 AM
Replies: 250
Views: 27,941
Posted By Red_y
2 adults...2 Abyssinian fur kids...debt...

2 adults...2 Abyssinian fur kids...debt free...semi-retired

$36,800 not including house-building expenses; the amount does include $9600 in rent payments that won't reoccur in 2011 now that we are...
Forum: Life after FIRE 12-12-2010, 06:58 PM
Replies: 14
Views: 1,628
Posted By Red_y
For the OP or anyone who seriously wants to end...

For the OP or anyone who seriously wants to end their relationship with a MegaBank, try this site: Move Your Money (http://www.moveyourmoney.info) Click on the Find a Bank/Credit Union link at the...
Forum: FIRE and Money 10-05-2010, 09:36 AM
Replies: 14
Views: 5,559
Posted By Red_y
scio, a number of things come to mind-- 1. You...

scio, a number of things come to mind--
1. You don't need to open a TFSA to accumulate "room". By virtue of being in Canada and at least 18 years old, you automatically accrue $5/yr, regardless of...
Forum: FIRE and Money 10-03-2010, 05:54 PM
Replies: 14
Views: 5,559
Posted By Red_y
Canadian residents - CRA treatment of Roth IRAs is changing

I know there are several Canadians on the board who may be in a situation similar to mine. I'm a US citizen and have a substantial Roth IRA account from the years I worked in the US. I've been a...
Forum: Travel Information 10-01-2010, 05:13 PM
Replies: 36
Views: 3,065
Posted By Red_y
Another option is to take Amtrak. The "Cascades"...

Another option is to take Amtrak. The "Cascades" train runs several times a day from Seattle to Vancouver, costs less than $40 if you book this far in advance, and winds along Puget Sound most of the...
Forum: FIRE and Money 02-28-2010, 12:34 PM
Replies: 11
Views: 1,548
Posted By Red_y
You might consider taking the Tax Preparation...

You might consider taking the Tax Preparation course with H&R Block this fall and then being a tax preparer next year. The earnings potential is not huge, but the employment is only for 3-4 months of...
Forum: FIRE and Money 01-27-2010, 09:57 AM
Replies: 85
Views: 11,289
Posted By Red_y
$36k CAD in 2009 for my second full year of...

$36k CAD in 2009 for my second full year of semi-retirement. This includes $14.4k for rent, an expense which will be gone after we move into the house we're building for cash. Of course, rent expense...
Forum: Travel Information 01-21-2010, 07:41 PM
Replies: 4
Views: 1,232
Posted By Red_y
Speaking of the Kennedy Space Center, I have a...

Speaking of the Kennedy Space Center, I have a coupon good for $5 off admission fees (for up to 6 people). Expires 4/30/2010.

If anyone's interested, PM me with your snail mail address and I will...
Forum: FIRE and Money 01-18-2010, 02:19 PM
Replies: 31
Views: 6,142
Posted By Red_y
Ed, just curious...how can you trade at all with...

Ed, just curious...how can you trade at all with Vanguard, as a Canadian resident? Their policy against letting residents of Canada do any trading led me to transfer all my assets to Fido. Fidelity...
Forum: Travel Information 01-01-2010, 09:55 AM
Replies: 4
Views: 1,232
Posted By Red_y
Just down the road from Cape Canaveral is Ron...

Just down the road from Cape Canaveral is Ron Jon's Surf Shop in Cocoa Beach, a great source for long-wearing, high quality, good looking T-shirts.
Location Information...
Forum: FIRE and Money 11-15-2009, 10:35 AM
Replies: 25
Views: 4,102
Posted By Red_y
Agree on the 'buy high' comment, but I believe...

Agree on the 'buy high' comment, but I believe the stellar performance is more tied to the falling US dollar. FNMIX doesn't hedge currency exposure.
Forum: Travel Information 11-12-2009, 08:56 PM
Replies: 67
Views: 6,468
Posted By Red_y
It's far off the beaten path in southern Utah,...

It's far off the beaten path in southern Utah, but Zion National Park is not to be missed:
Forum: FIRE and Money 10-12-2009, 11:00 AM
Replies: 59
Views: 7,974
Posted By Red_y
I thought by far the most misleading statement in...

I thought by far the most misleading statement in the article was this one:

Remember, the biggest factor in whether the 401(k) works as designed has to do with when you retire. If the market rises...
Showing results 1 to 25 of 77

 
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