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Search: Posts Made By: pb4uski
Forum: FIRE and Money Today, 07:43 AM
Replies: 4
Views: 357
Posted By pb4uski
I'm guessing that you could probably build a...

I'm guessing that you could probably build a spreadsheet that could do the calculations since you only have to deal with your situation. You could build it using 2013 tax brackets and deductions,...
Forum: Young Dreamers Today, 07:31 AM
Replies: 6
Views: 254
Posted By pb4uski
First, at your age and with your income (assuming...

First, at your age and with your income (assuming your job is stable), you should be fully invested or close to fully invested and are carrying way too much cash. With market indices at or near all...
Forum: FIRE and Money Today, 07:03 AM
Replies: 3
Views: 266
Posted By pb4uski
I did a lot of analysis and ultimately decided to...

I did a lot of analysis and ultimately decided to prioritize Roth conversions over ACA subsidies. The tax savings by drawing down tax-deferred accounts before my pension and SS start and reducing...
Forum: FIRE and Money Today, 06:40 AM
Replies: 2
Views: 214
Posted By pb4uski
Actually, since OP said ~20% is in tax-deferred...

Actually, since OP said ~20% is in tax-deferred accounts, that should drop the $115k of AGI down to ~$92k and TI down to ~$72k so there might be no federal tax. But you are right, OP just needs to...
Forum: Hi, I am... Today, 06:27 AM
Replies: 16
Views: 684
Posted By pb4uski
If you have good records in Quicken, then you...

If you have good records in Quicken, then you should be able to run some reports to get a better handle on what you are spending.

Your net earnings is a good place to start, but then you need to...
Forum: FIRE and Money Today, 06:20 AM
Replies: 18
Views: 699
Posted By pb4uski
Come on down to the 15% tax bracket with the rest...

Come on down to the 15% tax bracket with the rest of us and you'll like dividends a lot more.... they are wonderful tax-free income.

Did I mention that they are tax-free? :dance:
Forum: FIRE and Money Today, 06:13 AM
Replies: 1
Views: 82
Posted By pb4uski
I assume that the property is an income property...

I assume that the property is an income property rather than your principal residence.

While I normally think of properties as more equity-like, what you describe sounds like it has attributes of...
Forum: Hi, I am... Yesterday, 09:34 AM
Replies: 16
Views: 684
Posted By pb4uski
You can use firecalc and put in your SS and...

You can use firecalc and put in your SS and assets and see what you could spend each year and still have a good chance of portfolio survivorship. It will likely be more than $52k because of the SS...
Forum: Other topics Yesterday, 08:42 AM
Replies: 139
Views: 3,975
Posted By pb4uski
I wasn't overstating it... its nickname is the...

I wasn't overstating it... its nickname is the Peoples Republic of Burlington.
Forum: Other topics Yesterday, 08:25 AM
Replies: 139
Views: 3,975
Posted By pb4uski
No thanks... a progressive city near us tried...

No thanks... a progressive city near us tried this and it was an unmitigated disaster and has cost taxpayers millions so a socialist response is not the way.
Forum: Young Dreamers Yesterday, 08:14 AM
Replies: 64
Views: 2,683
Posted By pb4uski
I'm glad you clarified that - I didn't get it and...

I'm glad you clarified that - I didn't get it and thought it might be me.
Forum: Health and Early Retirement Yesterday, 08:10 AM
Replies: 150
Views: 7,159
Posted By pb4uski
The MLR includes some expenses related to...

The MLR includes some expenses related to adjudicating claims but does not include overhead as I recall. The remaining 15% is for cover overhead and profit.
Forum: Hi, I am... Yesterday, 08:03 AM
Replies: 42
Views: 1,467
Posted By pb4uski
Francis, what you are experiencing is typical. ...

Francis, what you are experiencing is typical. Been there, done that. We are creatures of habit and change is hard. What you are experiencing is even harder when you are financially secure, making...
Forum: FIRE and Money 11-26-2014, 04:50 PM
Replies: 28
Views: 1,238
Posted By pb4uski
I did this in my first year of retirement......

I did this in my first year of retirement... harvested a bunch of gains and reinvested in the same securities.... not quite the same because of Vanguard's stupid frequent trading rules but...
Forum: Other topics 11-26-2014, 04:43 PM
Replies: 78
Views: 1,446
Posted By pb4uski
54% of the electricity that we use here at home...

54% of the electricity that we use here at home is generated by landfill methane gas. I don't understand why it isn't mandatory for every significant landfill in the country to be considered for...
Forum: Life after FIRE 11-26-2014, 04:37 PM
Replies: 93
Views: 3,103
Posted By pb4uski
Originally it was going to be just the four of us...

Originally it was going to be just the four of us (me, DW, DD and DS). Then I invited a close friend who is single and he is coming. Then invited the only maternal aunt/uncle I have left in the...
Forum: Other topics 11-26-2014, 02:39 PM
Replies: 78
Views: 1,446
Posted By pb4uski
FIL did the same thing. He would fry eggs in...

FIL did the same thing. He would fry eggs in 1/4" of hot bacon fat and used the spatula to splash the hot fat on the tops of the eggs so they ended up like a mix between sunny-side-up and over easy....
Forum: Other topics 11-26-2014, 02:33 PM
Replies: 31
Views: 528
Posted By pb4uski
Actually there are a couple options beyond DSl...

Actually there are a couple options beyond DSl and cable that i have considered but not gone with.

One is satellite (Dish, our satellite tv provider offers internet service) and the other is that...
Forum: FIRE and Money 11-26-2014, 08:54 AM
Replies: 16
Views: 977
Posted By pb4uski
I think your plan generally makes sense. I...

I think your plan generally makes sense. I retired at 56 and have a 60% equities/34% bonds/6% cash target that I still use (I'm 59 now).

For now, I would consider his main home equity to be...
Forum: Other topics 11-26-2014, 08:35 AM
Replies: 31
Views: 528
Posted By pb4uski
Our only choices are Fairpoint (DSL) or Charter...

Our only choices are Fairpoint (DSL) or Charter (cable). We use Fairpoint. It is a little slower but also a little less expensive and meets our needs.
Forum: Other topics 11-25-2014, 10:01 PM
Replies: 139
Views: 3,975
Posted By pb4uski
I'm fine with them having a say as to how it is...

I'm fine with them having a say as to how it is used.... just allow some mechanism for people who live in areas that don't receive good OTA signal to get it like other OTA customers and then I can...
Forum: Other topics 11-25-2014, 05:09 PM
Replies: 139
Views: 3,975
Posted By pb4uski
Probably much easier claim to make for those who...

Probably much easier claim to make for those who can get the major networks OTA. Funny how the major networks fight for "property rights" on something they give away for free over-the-air to those...
Forum: FIRE and Money 11-25-2014, 04:59 PM
Replies: 20
Views: 590
Posted By pb4uski
Yes, typically what you would be doing is buying...

Yes, typically what you would be doing is buying into the right that an annuity beneficiary has to receive money from an insurance company.
Forum: Life after FIRE 11-25-2014, 04:50 PM
Replies: 51
Views: 1,999
Posted By pb4uski
We have never been particularly friendly with our...

We have never been particularly friendly with our neighbors but generally get along well. Where we used to live DW pissed off one neighbor (he probably had a somewhat valid beef with her). In our...
Forum: Health and Early Retirement 11-25-2014, 08:13 AM
Replies: 21
Views: 940
Posted By pb4uski
While I have heard of such companies that audit...

While I have heard of such companies that audit medical bills, I haven't used them and would be interested in others experience.

One thing I do regularly is call the hospital or doctor's office...
Showing results 1 to 25 of 7676

 
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