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Forum: Other topics 05-21-2015, 01:39 PM
Replies: 57
Views: 1,467
Posted By youbet
Let's see, which would it be? "Like...

Let's see, which would it be?

"Like father like son"

"The apple doesn't fall far from the tree"

Just kidding....... :)
Forum: FIRE and Money 05-21-2015, 01:25 PM
Replies: 322
Views: 19,289
Posted By youbet
Yep. SS started out as a good thing but the...

Yep. SS started out as a good thing but the people and situations covered have expanded faster than funding. We need to reform the payouts or increase the funding or both.

Perhaps our leaders...
Forum: FIRE and Money 05-21-2015, 01:07 PM
Replies: 322
Views: 19,289
Posted By youbet
We can just disagree. I think sequence of...

We can just disagree. I think sequence of returns applies to the accumulated funds from receiving and investing the SS.

And the author uses a 6% investment return and 3% inflation rate...
Forum: FIRE and Money 05-21-2015, 01:11 AM
Replies: 27
Views: 1,154
Posted By youbet
Sounds like your market timing on selling the...

Sounds like your market timing on selling the stock was very fortunate.......... But totally independent of paying off the mortgage.
Forum: FIRE and Money 05-20-2015, 05:05 PM
Replies: 322
Views: 19,289
Posted By youbet
The 22 years, of course, is given his assumptions...

The 22 years, of course, is given his assumptions about returns and inflation and without consideration to the sequence of returns issue. A nice analysis for sure, but we should be careful to...
Forum: FIRE and Money 05-20-2015, 04:48 PM
Replies: 322
Views: 19,289
Posted By youbet
As you say, we are far away from the original...

As you say, we are far away from the original post. Clearly I was commenting on the Schwab analysis that was posted, not on the OP.
Forum: FIRE and Money 05-20-2015, 04:06 PM
Replies: 27
Views: 1,154
Posted By youbet
Since it doesn't seem to be of any real...

Since it doesn't seem to be of any real significance to you financially, do whatever entertains you or makes you feel good for having done it. Some folks go absolutely insane with glee when they get...
Forum: Other topics 05-20-2015, 03:53 PM
Replies: 57
Views: 1,467
Posted By youbet
My friends who fit your description define "the...

My friends who fit your description define "the rich" as anyone earning a penny more than them. Really flexible folks. They get a $1k raise and immediately feel that tax brackets should move up $1k...
Forum: Life after FIRE 05-20-2015, 03:42 PM
Replies: 91
Views: 2,499
Posted By youbet
Or "Engineers ........... should be taken out and...

Or "Engineers ........... should be taken out and shot."
Forum: Life after FIRE 05-20-2015, 03:41 PM
Replies: 91
Views: 2,499
Posted By youbet
Buying a foreign brand isn't a guarantee of...

Buying a foreign brand isn't a guarantee of honest service. The worse dealer I ever, ever dealt with was a Toyota dealer.
Forum: FIRE and Money 05-20-2015, 03:35 PM
Replies: 8
Views: 774
Posted By youbet
The highlight of the article is Mr Bengen being...

The highlight of the article is Mr Bengen being quoted:


"Go to a qualified adviser and sit down and pay for that,"
Forum: Life after FIRE 05-18-2015, 03:44 PM
Replies: 40
Views: 1,992
Posted By youbet
FIRE'd almost 8 years, we've never had a friend...

FIRE'd almost 8 years, we've never had a friend or relative ask to borrow money. There are only a few of them who aren't well positioned financially. And because we NEVER talk money, retirement...
Forum: FIRE and Money 05-18-2015, 03:17 PM
Replies: 322
Views: 19,289
Posted By youbet
Even quantitative analysis like this generously...

Even quantitative analysis like this generously provided by Midpack has its issues. For example, this analysis does not consider the time value of money. A dollar you get at age 62 is considered to...
Forum: FIRE and Money 05-13-2015, 12:46 PM
Replies: 87
Views: 7,636
Posted By youbet
The problem with retiring in 1966 was inflation,...

The problem with retiring in 1966 was inflation, not yields.

I retired into the Great Recession. Since then, there's been a nice recovery and all seems to be working out (so far). But the...
Forum: Travel Information 05-10-2015, 08:11 PM
Replies: 29
Views: 1,497
Posted By youbet
Look at hard-sided pop-ups such as Aliner.

Look at hard-sided pop-ups such as Aliner.
Forum: FIRE and Money 05-09-2015, 02:29 PM
Replies: 110
Views: 8,115
Posted By youbet
Right. And it can work in the opposite direction...

Right. And it can work in the opposite direction as well. I started SS at 62 to protect DW if she outlives me. She has near zero dollars of SS on her own and is prohibited from collecting mine by...
Forum: Other topics 05-09-2015, 02:12 PM
Replies: 19
Views: 1,064
Posted By youbet
Are you sure the deed transferred the mobile home...

Are you sure the deed transferred the mobile home to you and not just the lot? IE., it takes both a deed and a title to own the mobile home in your state?

If you indeed need a title in your...
Forum: FIRE and Money 05-09-2015, 01:46 PM
Replies: 25
Views: 1,541
Posted By youbet
Some folks are choosing to have accounts with two...

Some folks are choosing to have accounts with two financial houses: Vanguard to have access to their MF's at Admiral ER's and another financial house which offers more flexible and less expensive...
Forum: FIRE and Money 05-06-2015, 05:03 PM
Replies: 110
Views: 8,115
Posted By youbet
I try to have all of my investments allocated...

I try to have all of my investments allocated appropriately per my age and goals. My "SS kitty" is no different.


You don't need to be "extremely" good (as you say) at timing the market. ...
Forum: FIRE and Money 05-06-2015, 04:52 PM
Replies: 110
Views: 8,115
Posted By youbet
My bold above. Actually, market returns...

My bold above.

Actually, market returns don't have to be "extremely" strong in order for the SS benefits collected during ages 62 though 69 to build into a large enough kitty to more than...
Forum: FIRE and Money 04-19-2015, 03:41 PM
Replies: 135
Views: 9,919
Posted By youbet
+1 Like most of the discussions here...

+1

Like most of the discussions here concerning retirement on $X, the devil is in the details. If retiring at 30 on $1 mil with a 4% WR and adjusting for inflation means literally that (None,...
Forum: Stock Picking (Individual Security Analysis) 04-17-2015, 01:14 PM
Replies: 77
Views: 4,415
Posted By youbet
Did you get my package?

Did you get my package?
Forum: Other topics 04-17-2015, 01:10 PM
Replies: 28
Views: 1,192
Posted By youbet
Is SIL allowed to use the joint checking account...

Is SIL allowed to use the joint checking account to cover some portion of her own expenses in her duties as caregiver? For example, buy herself a tank of gas from time to time.
Forum: FIRE and Money 04-17-2015, 12:45 PM
Replies: 33
Views: 2,479
Posted By youbet
If you can remove DW's income from your plan and...

If you can remove DW's income from your plan and still pass FireCalc, I'd say retire! But I wouldn't retire if you require DW's income. Once you're home full time for a while, DW's feelings about...
Forum: Other topics 04-17-2015, 12:06 PM
Replies: 28
Views: 1,192
Posted By youbet
+1 Yep, and mix inheritance with years of...

+1

Yep, and mix inheritance with years of uncompensated caregiving duties and the potential for fireworks is there big time.
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