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Forum: FIRE and Money Today, 06:13 AM
Replies: 11
Views: 340
Posted By pb4uski
I admit to having little sympathy for those who...

I admit to having little sympathy for those who defaulted on student loans earlier in life and that bad decision is coming back to haunt them later in life. I suspect that they thought that they...
Forum: FIRE and Money Today, 06:03 AM
Replies: 52
Views: 2,379
Posted By pb4uski
I guess that one needs to differentiate hard...

I guess that one needs to differentiate hard physical work from long hours and stressful work.

Many low wage earners work in jobs that are physically demanding. For example, DS currently works in...
Forum: FIRE and Money Today, 05:50 AM
Replies: 28
Views: 1,373
Posted By pb4uski
In most cases, I tell them that I pay my bills on...

In most cases, I tell them that I pay my bills on time so it should not be a problem for them and that is good enough. If I'm in the right mood, I jokingly respond that I am not a bank and don't...
Forum: FIRE and Money Today, 05:38 AM
Replies: 23
Views: 901
Posted By pb4uski
While I could use Quicken for more than 3 years...

While I could use Quicken for more than 3 years and forgo automatic transaction downloads et al, to me the convenience of automatic downloads is well worth the minor cost of the software. Plus I get...
Forum: FIRE and Money Today, 05:25 AM
Replies: 4
Views: 317
Posted By pb4uski
I seem to recall back-testing something like this...

I seem to recall back-testing something like this at one time (I think I used VTSAX rather than the S&P 500) and it was marginally better as I recall, but in retirement I have better things to do and...
Forum: FIRE and Money Yesterday, 01:38 PM
Replies: 49
Views: 2,356
Posted By pb4uski
Are there any limits on premium increases? That...

Are there any limits on premium increases? That would be my concern. Another concern would be the financial strength of the insurer (I'm not sure I would accept Genworth).
Forum: FIRE and Money Yesterday, 01:33 PM
Replies: 11
Views: 616
Posted By pb4uski
In our case, DW has little interest in the topic...

In our case, DW has little interest in the topic and simply asks if we have enough, I say yes and that is the end of it. (I've managed our finances our entire married life.)

In order to decide...
Forum: FIRE and Money Yesterday, 01:24 PM
Replies: 15
Views: 574
Posted By pb4uski
Yes, if I was the OP I would check with the...

Yes, if I was the OP I would check with the pension administrator but I would think that like any lump sum the qualified money could be rolled into a tIRA with no current tax consequences so there...
Forum: FIRE and Money Yesterday, 08:38 AM
Replies: 49
Views: 2,356
Posted By pb4uski
We are self insuring for now. If one of us needs...

We are self insuring for now. If one of us needs nursing home care in our later years, we could handle the cost depending on how long it lasts. The disaster scenario is that we both need nursing...
Forum: FIRE and Money Yesterday, 07:37 AM
Replies: 15
Views: 574
Posted By pb4uski
I look at it as if you are "investing" (foregoing...

I look at it as if you are "investing" (foregoing receiving) $129k today and then receiving additional benefits of $630 in year 1, $1,269 in year 2, $1,918 in year 3... $6,742 in year 10... $10,510...
Forum: Health and Early Retirement 10-22-2014, 04:27 PM
Replies: 201
Views: 11,344
Posted By pb4uski
No. The subsidy is based on household income and...

No. The subsidy is based on household income and household health insurance costs.
Forum: Other topics 10-22-2014, 03:36 PM
Replies: 12
Views: 443
Posted By pb4uski
Thanks for the post. I had checked all my...

Thanks for the post. I had checked all my vehicles and DS since he lives at home but had forgot DD's. Her 2005 Saab 9-2 is on the list. Given that Saab is no longer, I suspect she takes it to a GM...
Forum: FIRE and Money 10-22-2014, 03:27 PM
Replies: 87
Views: 4,747
Posted By pb4uski
Given that the median household income is about...

Given that the median household income is about $54k, $85k for a single ($170k for MFJ) IS wealthy by comparison.

The lack of inflation adjustment is the stealth increase.
Forum: Health and Early Retirement 10-22-2014, 11:53 AM
Replies: 201
Views: 11,344
Posted By pb4uski
I thought I would write a followup. I called...

I thought I would write a followup. I called BCBS and they confirmed that the deductible was $12,700 and is an aggregate deductible ($6,350 * 2 people). I then asked if we could instead buy two...
Forum: FIRE and Money 10-22-2014, 11:15 AM
Replies: 9
Views: 378
Posted By pb4uski
Fixed income is a real tough place right now. ...

Fixed income is a real tough place right now. One thing to be cautious of is interest rate risk.

FWIW, I target 80% domestic fixed income and 20% international. Within domestic, I target 80%...
Forum: Young Dreamers 10-22-2014, 07:31 AM
Replies: 12
Views: 453
Posted By pb4uski
I would sell. It will simplify your life and be...

I would sell. It will simplify your life and be one less thing to worry about while you are deployed. Thank you for your service.
Forum: FIRE and Money 10-22-2014, 06:04 AM
Replies: 714
Views: 51,358
Posted By pb4uski
What is this thread about?

What is this thread about?
Forum: Other topics 10-21-2014, 11:34 AM
Replies: 98
Views: 2,513
Posted By pb4uski
I think it could be done by just indicating that...

I think it could be done by just indicating that the offer will automatically expire if one of the other offers is accepted and the buyer will notify the seller with all deliberate speed if one other...
Forum: FIRE and Money 10-21-2014, 07:21 AM
Replies: 19
Views: 934
Posted By pb4uski
If Dad is in the 15% tax bracket, any LTCG would...

If Dad is in the 15% tax bracket, any LTCG would not be subject to tax but there might be come tax cost if it makes more of his SS taxable. If there is no or reasonable tax cost, I would sell the...
Forum: Stock Picking (Individual Security Analysis) 10-21-2014, 07:08 AM
Replies: 6
Views: 354
Posted By pb4uski
+1

+1
Forum: Other topics 10-20-2014, 06:17 AM
Replies: 98
Views: 2,513
Posted By pb4uski
Chill. Unless you are an alcoholic, I suggest...

Chill. Unless you are an alcoholic, I suggest you have a glass of wine. ;D
Forum: FIRE and Money 10-20-2014, 06:11 AM
Replies: 17
Views: 674
Posted By pb4uski
I define all my accounts in Vanguard and link...

I define all my accounts in Vanguard and link DW's accounts so when i run a Vanguard Portfolio Watch report it includes all of our accounts. Easy. Updates itself and easier than reentering...
Forum: FIRE and Money 10-20-2014, 06:03 AM
Replies: 112
Views: 4,098
Posted By pb4uski
I suspect it is more self-discipline and a...

I suspect it is more self-discipline and a willingness to sacrifice somewhat today for a more secure tomorrow. Like the little red hen or the ant and the grasshopper stories.
Forum: Other topics 10-19-2014, 08:34 PM
Replies: 13
Views: 226
Posted By pb4uski
Sounds like sour grapes to me. All competitors...

Sounds like sour grapes to me. All competitors knew the rules long ago and what they had to do to get in and get to the next round, and they didn't perform as needed, so what's the problem? FWIW,...
Forum: Life after FIRE 10-19-2014, 04:32 PM
Replies: 15,410
Views: 715,337
Posted By pb4uski
Guess you're right - its not worth it for "only"...

Guess you're right - its not worth it for "only" $1,000 a month. :facepalm:

Have you asked your DW if she wants to pass on the $1,000 a month benefit? She could mourn your passing in much better...
Showing results 1 to 25 of 7434

 
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