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Forum: FIRE and Money 09-17-2008, 11:20 AM
Replies: 87
Views: 7,325
Posted By rs0460a
No - it means that you are a very intelligent...

No - it means that you are a very intelligent indivudial to not lock in your losses (IMHO ;D )...

- Ron
Forum: FIRE and Money 09-17-2008, 11:13 AM
Replies: 87
Views: 7,325
Posted By rs0460a
Ooh! Can I hire you as my "investment advisor" of...

Ooh! Can I hire you as my "investment advisor" of choice? I'm interested in "secret methods"... :rolleyes:\

- Ron
Forum: Hi, I am... 09-17-2008, 10:50 AM
Replies: 32
Views: 3,063
Posted By rs0460a
Interesting. My latest "purchase" on eBay was an...

Interesting. My latest "purchase" on eBay was an '05 Cadillac SRX, from a dealer in Detroit through their auto auction.

One owner (soccer mom, from Gross Pointe), off lease, at 34k.

I test...
Forum: Hi, I am... 09-17-2008, 10:39 AM
Replies: 32
Views: 3,063
Posted By rs0460a
I thought this looked familiar! Yes - we have it,...

I thought this looked familiar! Yes - we have it, in several different pieces (serving platter, plate, coffee cups/plate, etc - even a cutting board!). Checked with my DW. She said that she picked it...
Forum: Life after FIRE 09-17-2008, 09:05 AM
Replies: 7
Views: 1,784
Posted By rs0460a
In the late 90's, when I worked in France (I was...

In the late 90's, when I worked in France (I was based in the US, but had a small staff, along with my boss, there), the Euro started out at about being 1EU = .78 USD.

How things change :bat:...
Forum: Other topics 09-17-2008, 07:21 AM
Replies: 68
Views: 4,161
Posted By rs0460a
I used to say that I voluntered for Nam to get...

I used to say that I voluntered for Nam to get out of Texas :bat: ...

Actually, I voluntered for Turkey - but you know the military...

- Ron
Forum: FIRE and Money 09-17-2008, 07:04 AM
Replies: 15
Views: 2,272
Posted By rs0460a
Maybe have the moderator move all messages...

Maybe have the moderator move all messages (starting with the one about you wondering about my avitar :rolleyes: ) over to that thread?

- Ron
Forum: Other topics 09-17-2008, 06:50 AM
Replies: 68
Views: 4,161
Posted By rs0460a
Hey, we even had a tornado two weeks ago (90...

Hey, we even had a tornado two weeks ago (90 miles west of NYC).

Tornado-battered Dieruff High to reopen today -- themorningcall.com...
Forum: Other topics 09-17-2008, 06:40 AM
Replies: 31
Views: 1,966
Posted By rs0460a
Oh my! I think we are about to get into another...

Oh my! I think we are about to get into another "my car vs. your car :bat: ".

Last year we traded our '89 Olds (18+ years!), purchased new. Even though it still ran without any repairs other than...
Forum: Other topics 09-17-2008, 05:41 AM
Replies: 31
Views: 1,966
Posted By rs0460a
Actually, "showing off our toys" make perfect...

Actually, "showing off our toys" make perfect sense in an LBYM thread. Speaking for myself, I could have had a "toy" much earlier in life (other than my DW "strongly encouraging me not to participate...
Forum: FIRE and Money 09-17-2008, 05:27 AM
Replies: 15
Views: 2,272
Posted By rs0460a
Actually, in our (me/DW's) case, it was "Make...

Actually, in our (me/DW's) case, it was "Make more, and desire less".

During our first ten years of marriage, we were in a "survival mode". Luckily, when I finally landed a "decent" j*b, we made...
Forum: Other topics 09-16-2008, 08:51 PM
Replies: 31
Views: 1,966
Posted By rs0460a
Yes :rolleyes: .... Also, it's a bit of...

Yes :rolleyes: ....

Also, it's a bit of "making up for lost time" in my "youth" (but that's another story, not suitable for public discussion :mad: )...

- Ron
Forum: FIRE and Money 09-16-2008, 08:40 PM
Replies: 39
Views: 3,371
Posted By rs0460a
When my grandparents retired, they had two...

When my grandparents retired, they had two sources of retirement income - pension and SS.

When my parents retired, they had two sources of retirement income - pension and SS.

When I retired...
Forum: FIRE and Money 09-16-2008, 06:43 PM
Replies: 39
Views: 3,371
Posted By rs0460a
Better than the office building I previously...

Better than the office building I previously wor*ed in :bat: ...

- Ron
Forum: Other topics 09-16-2008, 06:30 PM
Replies: 31
Views: 1,966
Posted By rs0460a
'02 Mustang GT vert (like yours - only an older...

'02 Mustang GT vert (like yours - only an older model, on the old Fox frame) with the 5-speed manual.

Ordered it from the factory (my color combination not offered by the local dealer).
...
Forum: FIRE and Money 09-16-2008, 06:13 PM
Replies: 39
Views: 3,371
Posted By rs0460a
My mistake. The first two points refrenced (being...

My mistake. The first two points refrenced (being retired, and debt free) are true. Talk about bad editing :rant: ...

Our "early retirement portfolio" consists of a 60/40 mix, with our "cash...
Forum: FIRE and Money 09-16-2008, 02:39 PM
Replies: 14
Views: 1,530
Posted By rs0460a
Hey - I'm in my early 60's and I don't count on...

Hey - I'm in my early 60's and I don't count on SS :bat: ..

I guess you can say that I'm "over prepared"...

- Ron
Forum: FIRE and Money 09-16-2008, 12:18 PM
Replies: 39
Views: 3,371
Posted By rs0460a
Gee - you sound like the folks that say "oh my -...

Gee - you sound like the folks that say "oh my - they may tax Roth IRA's".

OK - so if they do, so what? I would be paying tax on the gains (however substantial after so many years). I've already...
Forum: FIRE and Money 09-16-2008, 12:03 PM
Replies: 39
Views: 3,371
Posted By rs0460a
Unlike most states (all but four in the US), PA...

Unlike most states (all but four in the US), PA taxes you (along with local income tax) at the time you "get your paycheck". I guess they would rather have the money "in hand" to spend ASAP.

The...
Forum: FIRE and Money 09-16-2008, 11:53 AM
Replies: 39
Views: 3,371
Posted By rs0460a
Correct. But of course, as many retirees have...

Correct. But of course, as many retirees have discussed in the past, this is common.

I/DW planned our retirement income based upon at least 100% of our net income (when we both wor*ed). We're a...
Forum: FIRE and Money 09-16-2008, 11:32 AM
Replies: 39
Views: 3,371
Posted By rs0460a
Nope. I adjusted my 2009 withdrawl with a 6%...

Nope. I adjusted my 2009 withdrawl with a 6% inflation factor. That only added a few $ to my annual withdrawl.

Remember, I don't need to keep up with the "traditional" inflation factors (as you,...
Forum: FIRE and Money 09-16-2008, 08:19 AM
Replies: 39
Views: 3,371
Posted By rs0460a
I'm with you. I also retired early last year and...

I'm with you. I also retired early last year and I'm not a market timer. With a healthy "cash bucket" for expenses that will cover the next 2-3 years, along with the fact that I'll be eligible for SS...
Forum: FIRE and Money 09-16-2008, 08:14 AM
Replies: 15
Views: 2,272
Posted By rs0460a
Well, maybe because you are a "private company"....

Well, maybe because you are a "private company". The financial decisions (and their outcome) affect you, alone.

With a public company, you have those pesky stockholders, who want you to maximize...
Forum: FIRE and Money 09-14-2008, 03:52 PM
Replies: 28
Views: 2,905
Posted By rs0460a
Here's what I do....

In my/DW's simple 60/40 portfolio, my "cash bucket" is a portion of the 40%. Since I'm retired, but "pre-SS", that 40% has a larger amount of cash (held in short term - e.g. MM funds).

When I...
Forum: Health and Early Retirement 09-13-2008, 12:25 PM
Replies: 4
Views: 925
Posted By rs0460a
I receive all, through the VA (meds/disability)....

I receive all, through the VA (meds/disability). In my case, I contacted the local VA office for direction. Later, I learned that going through the DAV was better, but I joined the DAV only after...
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