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Search: Posts Made By: treeofpain
Forum: Travel Information 08-21-2017, 03:05 PM
Replies: 37
Views: 2,192
Posted By treeofpain
We've been on 15 cruises since the 1990s. When...

We've been on 15 cruises since the 1990s. When they went to the automatic tipping, it rubbed me the wrong way at first, but I guess people just aren't very generous. We usually add a little extra...
Forum: Stock Picking and Market Strategy 07-07-2017, 08:59 PM
Replies: 43
Views: 2,602
Posted By treeofpain
There is no "right move", just the right move for...

There is no "right move", just the right move for each of us.

5% guaranteed with no risk and full liquidity - sounds great for someone who wants to balance/reduce risk but still get a reasonable...
Forum: FIRE and Money 07-02-2017, 09:28 PM
Replies: 9
Views: 823
Posted By treeofpain
What will your interest rate be on the new home? ...

What will your interest rate be on the new home? That is the rate of return you will enjoy risk-free if you use the $$$ as a downpayment.
Forum: Other topics 06-27-2017, 11:58 AM
Replies: 26
Views: 1,207
Posted By treeofpain
It is easy enough to scan your will and have that...

It is easy enough to scan your will and have that converted to a Word document. Then send that to a new attorney for revision.
Forum: Other topics 06-11-2017, 07:33 PM
Replies: 44
Views: 1,877
Posted By treeofpain
Vintage guitars

Vintage guitars
Forum: Life after FIRE 11-12-2016, 07:22 AM
Replies: 54
Views: 3,597
Posted By treeofpain
Check out Greenville, SC

Check out Greenville, SC
Forum: FIRE and Money 09-27-2016, 05:52 PM
Replies: 30
Views: 2,048
Posted By treeofpain
One major benefit of 401k is that any remaining...

One major benefit of 401k is that any remaining funds can be inherited by the next generation, while with db plans, the benefit ends with the person or their spouse. Am I missing something here?
...
Forum: FIRE and Money 07-31-2016, 02:05 PM
Replies: 22
Views: 1,740
Posted By treeofpain
Nope. I don't need access to my retirement...

Nope. I don't need access to my retirement accounts in the next 4 years. Also, I have found that the markets are going to do what they are going to do, regardless of whether I like the person in...
Forum: Other topics 07-16-2016, 10:57 AM
Replies: 244
Views: 12,070
Posted By treeofpain
I think there is a balance between being...

I think there is a balance between being financially responsible and enjoying stuff.
Forum: Other topics 07-16-2016, 08:30 AM
Replies: 244
Views: 12,070
Posted By treeofpain
I have a lot of money in my guitars, but I play...

I have a lot of money in my guitars, but I play them regularly. I guess they could be considered "bling" since each one is relatively expensive.

It is not unusual for someone to invest in a...
Forum: FIRE and Money 07-01-2016, 02:18 PM
Replies: 23
Views: 2,218
Posted By treeofpain
Double-checked SS - I was a little off. It will...

Double-checked SS - I was a little off. It will be $18K/year for me if I take it at 62. About $16K for wife, which brings our total to $34K.
Forum: FIRE and Money 07-01-2016, 08:38 AM
Replies: 23
Views: 2,218
Posted By treeofpain
Sure. I guess my point was that assuming SS as a...

Sure. I guess my point was that assuming SS as a baseline, our 403b and Roths could allow us to retire early, providing a bridge between retirement point and the start of SS. After SS begins, the...
Forum: FIRE and Money 07-01-2016, 08:26 AM
Replies: 23
Views: 2,218
Posted By treeofpain
swguy, so as long as SS doesn't go bust we are...

swguy, so as long as SS doesn't go bust we are golden, right? :)
Forum: FIRE and Money 07-01-2016, 07:31 AM
Replies: 23
Views: 2,218
Posted By treeofpain
Thanks for the comments and encouragement so far....

Thanks for the comments and encouragement so far.


Wife worked for several years, but quit work a while back to care for aging parents.


No pension unfortunately. Social Security would be...
Forum: FIRE and Money 06-29-2016, 09:44 PM
Replies: 23
Views: 2,218
Posted By treeofpain
Fairly New Here - Recommendations?

I am 52 and in a non-profit career that is very fulfilling but not high income. Wife does not work outside the home currently. Kids (2) are in college.

Our ability to save has been somewhat...
Forum: Other topics 06-28-2016, 07:12 PM
Replies: 25
Views: 1,650
Posted By treeofpain
Just bought one of those $15 CX's. Thanks!

Just bought one of those $15 CX's. Thanks!
Forum: Other topics 04-27-2016, 08:28 PM
Replies: 62
Views: 2,829
Posted By treeofpain
You can use the unpowered audio out from the TV...

You can use the unpowered audio out from the TV and send to a regular set of computer powered speakers. The nicer models with a sub sound good and are less than $100, compared to the $200-300...
Forum: Other topics 02-13-2016, 11:12 AM
Replies: 45
Views: 3,105
Posted By treeofpain
Yes, if you are a regular seller, you have to...

Yes, if you are a regular seller, you have to build the occasional blip into your business model.
Forum: Other topics 02-13-2016, 09:19 AM
Replies: 45
Views: 3,105
Posted By treeofpain
If the buyer pays with PayPal, they have 180 days...

If the buyer pays with PayPal, they have 180 days (yes, about 6 months) to make an "item not as described" claim. This is with eBay or any other purchases. And the buyer wins the dispute 99% of the...
Forum: FIRE and Money 11-23-2014, 11:05 AM
Replies: 6
Views: 1,326
Posted By treeofpain
The money part looks fine. It's not clear to...

The money part looks fine.

It's not clear to us what your "self-employment" will be or why it is uncertain.

Also, if things do not work out for some reason, how difficult is it for you to get...
Forum: FIRE and Money 11-17-2014, 04:16 PM
Replies: 47
Views: 6,505
Posted By treeofpain
In my current career, I am considered old, and...

In my current career, I am considered old, and I'm only 50. Currently in a "transition plan" - my job is only guaranteed until July 1, 2015. I am not interested in retiring yet, so it's on to the...
Forum: FIRE and Money 08-20-2014, 07:53 PM
Replies: 7
Views: 1,531
Posted By treeofpain
Yes, I am aware of the higher limits for us old...

Yes, I am aware of the higher limits for us old fogeys. Thanks for the reminder!
Forum: FIRE and Money 08-20-2014, 05:25 PM
Replies: 7
Views: 1,531
Posted By treeofpain
Thanks for the input so far. Our house is...

Thanks for the input so far.

Our house is paid for, so no mortgage is involved. The IRS housing allowance can include several items other than mortgage or rent. You can include all utilities,...
Forum: Hi, I am... 08-20-2014, 05:15 PM
Replies: 33
Views: 4,180
Posted By treeofpain
You can certainly retire and move someplace warm...

You can certainly retire and move someplace warm and tropical if you sell your 2 properties. It comes down to what you pay for the move and what sort of income you need. A LOT of people could make...
Forum: FIRE and Money 08-19-2014, 09:27 PM
Replies: 7
Views: 1,531
Posted By treeofpain
Non-Taxable vs Taxable Investments?

Hi Gang,

I am 50 and have targeted retirement at 60. I have no debt and have a net worth around $750k. Current annual expenses are around $50k, and expected expenses in retirement are $40k.

I...
Showing results 1 to 25 of 34

 
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