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Search: Posts Made By: pb4uski
Forum: FIRE and Money Today, 10:06 AM
Replies: 7
Views: 81
Posted By pb4uski
+2 If I understand you correctly, you would be...

+2 If I understand you correctly, you would be in the same position either way, so don't sweat it.
Forum: Health and Early Retirement Today, 10:03 AM
Replies: 7
Views: 126
Posted By pb4uski
I think you're stuck unless you have some...

I think you're stuck unless you have some unrealized losses in your taxable accounts that you can sell.
Forum: Health and Early Retirement Today, 06:59 AM
Replies: 10
Views: 448
Posted By pb4uski
In a way, that is what they do, but for a group...

In a way, that is what they do, but for a group since premiums are based in large part on claims experience for the group. The claims experience implicitly includes the cost and probabilities of the...
Forum: Health and Early Retirement Today, 06:48 AM
Replies: 5
Views: 193
Posted By pb4uski
In Quicken Lifetime Planner, you can set up...

In Quicken Lifetime Planner, you can set up "special expenses" for items such as health insurance/care costs that have a different inflation rate than your normal living expenses. The inflation rate...
Forum: Hi, I am... Yesterday, 02:06 PM
Replies: 38
Views: 3,704
Posted By pb4uski
I was thinking the exact same thing. Take a few...

I was thinking the exact same thing. Take a few weeks off and then give it a try and see if you like it. Tell them you'll commit to x months and then decide if you want to continue but if you...
Forum: Life after FIRE Yesterday, 10:05 AM
Replies: 31
Views: 825
Posted By pb4uski
Outstanding!! Congratulations and welcome to the...

Outstanding!! Congratulations and welcome to the club.
Forum: Health and Early Retirement Yesterday, 10:02 AM
Replies: 10
Views: 448
Posted By pb4uski
When I retired in 2011 we bought a HDHI/bronze...

When I retired in 2011 we bought a HDHI/bronze plan

2012-2013 increase = 13.9%
2013-2014 increase = 8.5%
2014-2015 increase = 11.8% proposed

Overall, 2015 rate increases are 4.8-11.8%...
Forum: Life after FIRE Yesterday, 07:04 AM
Replies: 40
Views: 1,300
Posted By pb4uski
We would be at a bit over $40k if we cut out ALL...

We would be at a bit over $40k if we cut out ALL the "fun" items in our budget (travel, golf, movies, dining out, etc), donations and didn't have any medical costs other than insurance so I can see...
Forum: FIRE and Money Yesterday, 06:49 AM
Replies: 39
Views: 1,329
Posted By pb4uski
It takes a while to get used to drawing after so...

It takes a while to get used to drawing after so many years of saving. We are ER and have not started my pension and are a few years away from SS being available to us (though we intend to defer to...
Forum: FIRE and Money 08-21-2014, 09:10 PM
Replies: 45
Views: 1,413
Posted By pb4uski
When I have more than I need I have always...

When I have more than I need I have always thought it would be fun to go around towns at Christmas time and hand out $100 bills to those who could use it like we commonly see as a human interest...
Forum: FIRE and Money 08-21-2014, 04:44 PM
Replies: 45
Views: 1,413
Posted By pb4uski
I think I would splurge on some things that we...

I think I would splurge on some things that we have in the back of our minds to do but don't because we are frugal - update our vehicles, snow machine, get a little convertible roadster for summer...
Forum: FIRE and Money 08-21-2014, 04:33 PM
Replies: 89
Views: 2,746
Posted By pb4uski
I use credit cards for most things but still...

I use credit cards for most things but still carry $40-$200 in cash. Usually, when I get down towards $40 I start looking for an ATM to top it up to $200. Also, keep some cash around the house for...
Forum: FIRE and Money 08-21-2014, 04:26 PM
Replies: 36
Views: 2,278
Posted By pb4uski
I wouldn't sweat the $5/quarter. More important...

I wouldn't sweat the $5/quarter. More important things to consider:

Investment choices, performance and expense ratios
Does the 401k have a good stable value fund that is not available in an...
Forum: Health and Early Retirement 08-21-2014, 04:18 PM
Replies: 52
Views: 3,218
Posted By pb4uski
I found the deductibles of the cat plan just a...

I found the deductibles of the cat plan just a bit worse than the bronze plan too but the 40% in premiums savings sealed the deal because our health care costs in the last 3 years has been a fraction...
Forum: FIRE and Money 08-21-2014, 04:11 PM
Replies: 4
Views: 385
Posted By pb4uski
No, if you take out $64k the first year you need...

No, if you take out $64k the first year you need the 5-7% a year because your $64k will increase 3% each year for inflation (it'll be $66k the second year, $69k the third year, etc) just like your SS...
Forum: Other topics 08-21-2014, 04:03 PM
Replies: 8
Views: 312
Posted By pb4uski
We just run an extension of the drain from where...

We just run an extension of the drain from where it currently exits to the grass and relocate the splash block so it exits onto the lawn.

Easier to deal with if you have a blockage from debris or...
Forum: FIRE and Money 08-21-2014, 03:58 PM
Replies: 4
Views: 385
Posted By pb4uski
Head to the beach as long as you can live on...

Head to the beach as long as you can live on $100k a year in current dollars. But first, check over a couple other things.

One thing you are missing in an analysis like what you did is "sequence...
Forum: FIRE and Money 08-21-2014, 01:29 PM
Replies: 93
Views: 1,743
Posted By pb4uski
First 200 Kwh = 9.79 cents, 21.859 cents per Kwh...

First 200 Kwh = 9.79 cents, 21.859 cents per Kwh above that, + 11.85/month "customer charge" + 4.10/month energy efficiency charge.

Total is $70-100/month. No A/C, no heat, in fact no 220 either...
Forum: Health and Early Retirement 08-21-2014, 01:17 PM
Replies: 52
Views: 3,218
Posted By pb4uski
You got it right - if the premiums for the lowest...

You got it right - if the premiums for the lowest cost bronze plan exceeds 8% of your income then you are entitled to purchase catastrophic coverage.

I had a bronze plan for the first six months...
Forum: FIRE and Money 08-21-2014, 01:05 PM
Replies: 3
Views: 410
Posted By pb4uski
Huh? What have you been doing for the last 756...

Huh? What have you been doing for the last 756 posts? Of course, bring it on!
Forum: Health and Early Retirement 08-21-2014, 01:02 PM
Replies: 36
Views: 1,882
Posted By pb4uski
It depends. How much deductible have you used so...

It depends. How much deductible have you used so far this year and how much is left? How much is the difference in premium? If you are using the same insurer, oftentimes the deductible will carry...
Forum: FIRE and Money 08-21-2014, 09:43 AM
Replies: 86
Views: 4,976
Posted By pb4uski
+1 :dance:

+1 :dance:
Forum: Health and Early Retirement 08-21-2014, 09:41 AM
Replies: 36
Views: 1,882
Posted By pb4uski
I think there only recourse would be to deny...

I think there only recourse would be to deny claims from insured events occurring during the coverage period where the premiums was not paid.
Forum: FIRE and Money 08-21-2014, 07:16 AM
Replies: 21
Views: 1,085
Posted By pb4uski
The scary part is that some of these bozos think...

The scary part is that some of these bozos think they are the smartest guys in the room.
Forum: FIRE and Money 08-21-2014, 07:09 AM
Replies: 26
Views: 2,228
Posted By pb4uski
You can lead a horse to water, but you can't make...

You can lead a horse to water, but you can't make him drink.
Showing results 1 to 25 of 7026

 
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