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Search: Posts Made By: nun
Forum: FIRE and Money 05-22-2015, 09:43 AM
Replies: 24
Views: 949
Posted By nun
I find excel works just fine.

I find excel works just fine.
Forum: FIRE and Money 05-20-2015, 02:00 PM
Replies: 36
Views: 4,772
Posted By nun
4% is a number that results by choosing a certain...

4% is a number that results by choosing a certain success probability ( I think it's 95%) from a Monte Carlo simulation of the size of a portfolio after 30 years of withdrawals using historical...
Forum: FIRE and Money 05-17-2015, 11:32 AM
Replies: 60
Views: 1,802
Posted By nun
I'd never buy whole life insurance and as I don't...

I'd never buy whole life insurance and as I don't have any dependent so don't even bother with term life insurance. Also because I have no dependents I think it's a good plan to use some of my...
Forum: Health and Early Retirement 05-06-2015, 11:43 AM
Replies: 66
Views: 3,208
Posted By nun
If we were to base where to retire on healthcare...

If we were to base where to retire on healthcare and longevity the US would be way down the list.
Forum: Life after FIRE 05-02-2015, 02:06 PM
Replies: 154
Views: 67,661
Posted By nun
I can see that SS might be tax free if there is...

I can see that SS might be tax free if there is no tax on it in Portugal, but all other pension income will be taxed. Watch out for the standard Saving Clause in all US tax treaties.
Forum: Life after FIRE 05-02-2015, 06:21 AM
Replies: 154
Views: 67,661
Posted By nun
US SS checks will be tax free if you are a US...

US SS checks will be tax free if you are a US citizens and Portugese resident. However, as you point out, you will still have to pay US tax at the full rate on the rest of your income because if you...
Forum: FIRE and Money 04-29-2015, 03:52 PM
Replies: 67
Views: 2,905
Posted By nun
Same coverage and almost exactly the same premium...

Same coverage and almost exactly the same premium here too.
Forum: FIRE and Money 04-29-2015, 09:03 AM
Replies: 20
Views: 1,431
Posted By nun
If you are prepared to lock your money up in a 5...

If you are prepared to lock your money up in a 5 year CD you'll get 2%. If the OP has a stable value fund that would be a good safe option and might also generate 2%. All this makes me realize how...
Forum: FIRE and Money 04-28-2015, 10:29 PM
Replies: 20
Views: 1,431
Posted By nun
What exactly do you mean by "very safe"? and how...

What exactly do you mean by "very safe"? and how will the money be used?

Your suggestion of VASIX is definitely not very safe in my estimation.
Forum: FIRE and Money 04-28-2015, 10:52 AM
Replies: 27
Views: 2,579
Posted By nun
For me paying off the mortgage before ER was...

For me paying off the mortgage before ER was about matching my debt load to income. I was fine carrying debt while I had a well paying job, but in ER my goal was to go in with zero debt and a much...
Forum: FIRE and Money 04-28-2015, 08:07 AM
Replies: 9
Views: 660
Posted By nun
1.5 years into ER and my spending is at the 2%...

1.5 years into ER and my spending is at the 2% level.....so it could easily be supported by dividends. I have a pension starting in a year's time that will cover my expenses and I will only be making...
Forum: FIRE and Money 04-28-2015, 06:56 AM
Replies: 27
Views: 2,579
Posted By nun
There are many paths to retirement success. I'm...

There are many paths to retirement success. I'm glad that I chose to split my money between liquid investments and mortgage payment and the only leverage I needed was a mortgage. It's left me in a...
Forum: FIRE and Money 04-27-2015, 10:41 PM
Replies: 27
Views: 2,579
Posted By nun
Leverage is great until it isn't.

Leverage is great until it isn't.
Forum: FIRE and Money 04-27-2015, 10:40 PM
Replies: 27
Views: 2,579
Posted By nun
I paid off my mortgage on a two family home and...

I paid off my mortgage on a two family home and also invested in the stock market. Now I'm ERed and have no mortgage and get rental income and all my expenses are covered by that and fixed income. I...
Forum: FIRE and Money 04-26-2015, 07:47 AM
Replies: 26
Views: 1,970
Posted By nun
If you have low expenses going into retirement...

If you have low expenses going into retirement you will also minimize sequence of returns issues. This is where the old chestnut if paying off the mortgage works in your favour.
Forum: FIRE and Money 04-25-2015, 01:12 PM
Replies: 26
Views: 1,970
Posted By nun
A diversified portfolio gives you the chance to...

A diversified portfolio gives you the chance to adjust the sources of your income to mitigate sequence of withdrawal issues.

In the extreme example if having everything invested in a single stock...
Forum: Health and Early Retirement 04-22-2015, 08:08 PM
Replies: 67
Views: 2,859
Posted By nun
Dr. Michael Mosley has done some great diet and...

Dr. Michael Mosley has done some great diet and exercise programmes here is one about high impact, short duration exercise

The Truth About Exercise - Video Dailymotion...
Forum: FIRE and Money 04-22-2015, 06:12 PM
Replies: 19
Views: 646
Posted By nun
You also have to consider income generation. If...

You also have to consider income generation. If you retired into a bear market and lost 2 or 3 times the actual decline and then had to take income it could be nasty.
Forum: Health and Early Retirement 04-21-2015, 02:16 PM
Replies: 67
Views: 2,859
Posted By nun
BP is highly variable. When I go the the doctor...

BP is highly variable. When I go the the doctor my BP can be 160/90 and he's tried to put me on medication, but my usual BP is 110/70 and it can be 100/60 after a hard bike ride with my blood vessels...
Forum: FIRE and Money 04-21-2015, 08:06 AM
Replies: 15
Views: 1,891
Posted By nun
Way back in 1987, when got my first paying job, I...

Way back in 1987, when got my first paying job, I was unsophisticated about investing for retirement and thought that I'd get all my retirement income from traditional pensions, annuities and social...
Forum: FIRE and Money 04-21-2015, 07:53 AM
Replies: 15
Views: 1,891
Posted By nun
While assumptions certainly affect...

While assumptions certainly affect results......if the numbers point towards including annuities in a portfolio then include annuities.
Forum: FIRE and Money 04-14-2015, 08:29 AM
Replies: 15
Views: 1,037
Posted By nun
I don't worry much about my annuity because it's...

I don't worry much about my annuity because it's been successfully paying out for almost 100 years.

TIAA-CREF - TIAA-CREF - TIAA Traditional...
Forum: FIRE and Money 04-06-2015, 12:16 PM
Replies: 4
Views: 734
Posted By nun
What are your income needs? and what is the plan,...

What are your income needs? and what is the plan, 457, 403b, 401a?

TIAA-CREF retirement accounts basically offer some average cost mutual funds (although they are technically variable annuities,...
Forum: FIRE and Money 03-26-2015, 11:29 AM
Replies: 17
Views: 1,109
Posted By nun
I'm 75% equities, 15% bonds (Wellesley), 6%...

I'm 75% equities, 15% bonds (Wellesley), 6% TIAA-Traditional and 4% cash. I've increased my effective equities allocation recently, not because of the markets or speculation of what the Fed will do,...
Forum: FIRE and Money 03-26-2015, 08:54 AM
Replies: 41
Views: 2,072
Posted By nun
It's a state pension.....so not really comparable...

It's a state pension.....so not really comparable with SPIAs available on the open market.
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