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Forum: FIRE and Money Today, 09:08 PM
Replies: 9
Views: 376
Posted By pb4uski
Insufficient information, but probably not a...

Insufficient information, but probably not a great idea IMO. Agree with inadequate diversification. Also, most ER are in a lower tax bracket and don't need tax exempt once they stop working. What...
Forum: Other topics Today, 09:00 PM
Replies: 346
Views: 18,268
Posted By pb4uski
Probably my favorite female vocalist ever......

Probably my favorite female vocalist ever... incredible range and versatility... beautiful voice.
Forum: Life after FIRE Today, 08:54 PM
Replies: 4
Views: 99
Posted By pb4uski
I wish I had access to a stable value fund. 2.4%...

I wish I had access to a stable value fund. 2.4% is a good rate. I would use a 2.4$ stable value fund for my entire bond allocation if I had one available to me.
Forum: FIRE and Money Today, 01:05 PM
Replies: 15
Views: 718
Posted By pb4uski
+1 I DIY and used 10 or so credible planning...

+1 I DIY and used 10 or so credible planning tools and they all had a green light to one extent or the other so I took the leap. I also had some redundancy in how much I had and the level of living...
Forum: Other topics Today, 06:50 AM
Replies: 550
Views: 35,633
Posted By pb4uski
I've been binge watching Nikita, Reckless and...

I've been binge watching Nikita, Reckless and Transporter and enjoying those.

DW and I watched 12 Mile Road (2003 with Tom Selleck) the other night and enjoyed that.
Forum: FIRE and Money Today, 06:44 AM
Replies: 5
Views: 262
Posted By pb4uski
Yes, you understand it correctly.

Yes, you understand it correctly.
Forum: Other topics Today, 05:27 AM
Replies: 9
Views: 336
Posted By pb4uski
Consider the source. ;D Actually, when I...

Consider the source. ;D

Actually, when I empty the dishwasher I do put everything away... when DW empty's the dishwasher the easy things get put away, sometime even in the right places, but the...
Forum: FIRE and Money Yesterday, 06:10 PM
Replies: 32
Views: 1,009
Posted By pb4uski
Agreed, which is why there are regulations and...

Agreed, which is why there are regulations and restrictions of a bank's use of derivatives.

So while the statement that deposits (or perhaps more properly bank assets) might be used to pay...
Forum: FIRE and Money Yesterday, 05:28 PM
Replies: 32
Views: 1,009
Posted By pb4uski
I'm struggling to understand what you point is...

I'm struggling to understand what you point is (and I fully understand the structure of the bank sub and the holding company having issued bonds and stocks). The thing I am questioning is an...
Forum: FIRE and Money Yesterday, 05:19 PM
Replies: 39
Views: 2,087
Posted By pb4uski
If you got back in during the summer of 2008, how...

If you got back in during the summer of 2008, how did you feel about your decision in early 2009?

S&P 500 index was 1,267 on July 1, 2008 (summer of 2008) and 735 on Feb 1, 2009? a 42% decline.
Forum: FIRE and Money Yesterday, 04:35 PM
Replies: 32
Views: 1,009
Posted By pb4uski
I don't think you're right on that, doc. As I...

I don't think you're right on that, doc. As I understand it depositors (even amounts over the FDIC limit) are second in line behind the receivers administrative expenses and general creditors would...
Forum: FIRE and Money Yesterday, 06:03 AM
Replies: 32
Views: 1,009
Posted By pb4uski
Correct me if I'm wrong, but there would be no...

Correct me if I'm wrong, but there would be no such thing as a bail-in in the US... if a bank is insolvent the FDIC steps in, takes the keys, and then either sells the bank to a healthier bank or...
Forum: Life after FIRE Yesterday, 05:56 AM
Replies: 17,880
Views: 923,817
Posted By pb4uski
Is the old wife bound and shackled in the...

Is the old wife bound and shackled in the basement? ;D
Forum: Young Dreamers Yesterday, 05:44 AM
Replies: 14
Views: 516
Posted By pb4uski
^^^^ good advice I personally have always...

^^^^ good advice

I personally have always preferred equities to real estate since I'm inherently lazy and don't like dealing with tenants. My dad liked real estate and at various time owned land,...
Forum: FIRE and Money 07-25-2015, 07:21 PM
Replies: 43
Views: 5,766
Posted By pb4uski
I disagree. I'm not sure what sort of funds you...

I disagree. I'm not sure what sort of funds you are thinking of but what you describe are NOT stable value funds. See Stable value fund - Bogleheads...
Forum: Other topics 07-25-2015, 07:05 PM
Replies: 69
Views: 3,447
Posted By pb4uski
Yes, it does. Sorry, I wasn't clear on that. ...

Yes, it does. Sorry, I wasn't clear on that. He's just looking at alternatives to renewing with Tracfone.
Forum: Other topics 07-25-2015, 06:34 PM
Replies: 69
Views: 3,447
Posted By pb4uski
Yes, it does. Sorry, I wasn't clear on that. ...

Yes, it does. Sorry, I wasn't clear on that. He's just looking at alternatives to renewing with Tracfone.
Forum: Other topics 07-25-2015, 02:26 PM
Replies: 69
Views: 3,447
Posted By pb4uski
DS lost his trac phone.... but he was close to...

DS lost his trac phone.... but he was close to being out of time and money anyway. He lives in a rural area that only Verizon covers (no AT&T, Sprint, etc). He is a light user but it is his only...
Forum: Health and Early Retirement 07-25-2015, 02:03 PM
Replies: 13
Views: 601
Posted By pb4uski
I think you're right... I couldn't remember...

I think you're right... I couldn't remember whether it was silver or bronze.

I guess my point was that it would be easy to get to 29%, especially in a local where health insurance costs are high,...
Forum: Health and Early Retirement 07-25-2015, 01:55 PM
Replies: 3
Views: 210
Posted By pb4uski
Yes, exactly. I converted what I thought was the...

Yes, exactly. I converted what I thought was the right amount from tIRA to Roth. As I finalized my return I determined that I had overconverted by a small amount, but.... the marginal tax rate on...
Forum: FIRE and Money 07-25-2015, 12:35 PM
Replies: 25
Views: 1,182
Posted By pb4uski
The webcasts are always on Thursdays at 1pm and...

The webcasts are always on Thursdays at 1pm and much of the year I have a conflict on Thursdays. This is the first time I have watched the recorded version rather than live.
Forum: Health and Early Retirement 07-25-2015, 10:00 AM
Replies: 13
Views: 601
Posted By pb4uski
I think you have the 9.5% backwards. As I recall...

I think you have the 9.5% backwards. As I recall the up to 9.5% is not the subsidy, it is what you pay for health insurance after the subsidy. IOW, the subsidy is the excess of the second lowest...
Forum: Health and Early Retirement 07-25-2015, 09:53 AM
Replies: 3
Views: 210
Posted By pb4uski
I think that works. If you use a Roth conversion...

I think that works. If you use a Roth conversion rather than a Roth contribution you can do it without earned income and without a $ limitation... use your best estimate and then recharacterize as...
Forum: Health and Early Retirement 07-25-2015, 08:25 AM
Replies: 30
Views: 1,196
Posted By pb4uski
Not where I live... the regulators only granted...

Not where I live... the regulators only granted part of the increase the insurer had applied for last year. But that might be why we only have two choices.
Forum: Life after FIRE 07-25-2015, 08:22 AM
Replies: 2
Views: 332
Posted By pb4uski
You can get an idea of plans available in your...

You can get an idea of plans available in your area and cost at healthsherpa.com

However, who knows if those same plans will be there in 5 years or what the cost will be since things are changing...
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