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Forum: FIRE and Money Today, 05:35 PM
Replies: 3
Views: 158
Posted By pb4uski
+1 Taxes should only be 3-10% depending on how...

+1 Taxes should only be 3-10% depending on how much of your assets are taxable and the tax efficient placement of your investments. We had more income than that last year and our effective tax rate...
Forum: FIRE and Money Today, 06:49 AM
Replies: 8
Views: 445
Posted By pb4uski
Congratulations!!! I think you mean your rental...

Congratulations!!! I think you mean your rental income is approaching $1,000 per day.

I would be careful regarding your plan to sell DGF the house for nothing. I'm not sure that the IRS will...
Forum: FIRE and Money Yesterday, 11:43 AM
Replies: 18
Views: 655
Posted By pb4uski
I go through this every year (3 years in a row...

I go through this every year (3 years in a row now) because I use the installment method and Turbo Tax doesn't file the forms for my state electronically. I just send them a letter with the facts as...
Forum: FIRE and Money Yesterday, 11:32 AM
Replies: 193
Views: 10,003
Posted By pb4uski
They're retired and it is a slow day.

They're retired and it is a slow day.
Forum: Other topics 07-02-2015, 11:02 PM
Replies: 20
Views: 503
Posted By pb4uski
Yes, and fender washers would be best if there is...

Yes, and fender washers would be best if there is room for them.
Forum: Other topics 07-02-2015, 06:37 PM
Replies: 22
Views: 489
Posted By pb4uski
You would have to do it before you sell your...

You would have to do it before you sell your house in any event since the lack of a railing is not up to code. Just bite the bullet and do it... it'll be out of the way and will be safe for your...
Forum: Other topics 07-02-2015, 03:48 PM
Replies: 35
Views: 885
Posted By pb4uski
How much big $$$$ should one expect for 79.6...

How much big $$$$ should one expect for 79.6 posts a year? ;D
Forum: FIRE and Money 07-01-2015, 04:26 PM
Replies: 42
Views: 2,981
Posted By pb4uski
Well at least something we can agree on. ;D ...

Well at least something we can agree on. ;D

I said the same thing in post #9 of this thread.
Forum: FIRE and Money 07-01-2015, 03:35 PM
Replies: 193
Views: 10,003
Posted By pb4uski
Once I turn 62 I look as SS as more of an option...

Once I turn 62 I look as SS as more of an option to start cash flow if my portfolio results are suboptimal and my nestegg declines to a point where I am uncomfortable. If I'm still comfortable, then...
Forum: FIRE and Money 07-01-2015, 03:26 PM
Replies: 20
Views: 736
Posted By pb4uski
One article reported that ~$11.3b is owned by...

One article reported that ~$11.3b is owned by mutual funds and the majority of the exposure is muni-bond and high-yield bond funds. According to the Investment Company Fact Book the net assets of...
Forum: FIRE and Money 07-01-2015, 03:07 PM
Replies: 97
Views: 4,938
Posted By pb4uski
He had already said in #3 that he would file at...

He had already said in #3 that he would file at 70 and get 132% of his FRA benefit and before that that her benefit would be substantially less than his.

So if he later passes on she will step...
Forum: Young Dreamers 07-01-2015, 10:25 AM
Replies: 3
Views: 372
Posted By pb4uski
I wouldn't think so dallas... my understanding is...

I wouldn't think so dallas... my understanding is it is more akin to a 401k plan.

I know one risk with 401k loans is that if you get laid off or leave the employer that in many cases the 401k loan...
Forum: FIRE and Money 07-01-2015, 10:17 AM
Replies: 19
Views: 1,520
Posted By pb4uski
That is what they did when the migrated the...

That is what they did when the migrated the retirement age from 65 to 67 back in 1983. It impacted people who were born in 1943 or later... or people who were 40 or younger in 1983 when the changes...
Forum: FIRE and Money 07-01-2015, 10:09 AM
Replies: 19
Views: 1,520
Posted By pb4uski
+1 I noticed that too and it is consistent with...

+1 I noticed that too and it is consistent with what I have been suggesting.
Forum: FIRE and Money 07-01-2015, 10:06 AM
Replies: 84
Views: 3,379
Posted By pb4uski
so if you had an 3% annual WR you would likely be...

so if you had an 3% annual WR you would likely be just slightly ahead for the 1/2 year I think. If you had a 4% WR then you would be down.
Forum: FIRE and Money 07-01-2015, 06:14 AM
Replies: 97
Views: 4,938
Posted By pb4uski
Great link. So if his reduced benefit is $2,002,...

Great link. So if his reduced benefit is $2,002, her age 62 benefit will be $934 ($2,002/75%*35%). It is interesting that her benefit ends up being less than half of his as the discount for s spouse...
Forum: FIRE and Money 07-01-2015, 06:03 AM
Replies: 84
Views: 3,379
Posted By pb4uski
While I don't think the way you are looking at it...

While I don't think the way you are looking at it is the correct way to look at it since withdrawal rates vary greatly, my current retirement balance is 0.6% more than it was at the beginning of the...
Forum: Other topics 06-30-2015, 09:59 PM
Replies: 42
Views: 1,122
Posted By pb4uski
How about you plead guilty and if he asks then...

How about you plead guilty and if he asks then either say that you plead the 5th or that you have no good explanation?

I'm not a lawyer but I don't think you can commit perjury unless you are...
Forum: Other topics 06-30-2015, 09:28 PM
Replies: 42
Views: 1,122
Posted By pb4uski
You are not lying to the judge... you're just...

You are not lying to the judge... you're just pleading not guilty... you are not testifying that you didn't do it... it is the prosecution's job to prove that you did do it and you can't be compelled...
Forum: Other topics 06-30-2015, 09:24 PM
Replies: 11
Views: 346
Posted By pb4uski
That would be a good question for the concierge...

That would be a good question for the concierge or the hotel staff.
Forum: FIRE and Money 06-30-2015, 09:18 PM
Replies: 97
Views: 4,938
Posted By pb4uski
+1 in the post #85 you said that you both intend...

+1 in the post #85 you said that you both intend to file at 62, you first in Jan 2016 and then her in May 2016. That is why I said that she will get 50% of your reduced benefit.

So let's say that...
Forum: FIRE and Money 06-30-2015, 05:57 PM
Replies: 271
Views: 20,330
Posted By pb4uski
Ugly. All annualized returns. LTM: 3.26% ...

Ugly. All annualized returns.

LTM: 3.26%
YTD: 4.89%
2Q15: 0.25%

3 years: 10.51%
5 years: 10.60%
Forum: FIRE Related Political Topics 06-30-2015, 05:45 PM
Replies: 329
Views: 9,439
Posted By pb4uski
Per square mile seems an odd way to measure such...

Per square mile seems an odd way to measure such things. Why not per mile of coastline?
Forum: FIRE Related Political Topics 06-30-2015, 05:21 PM
Replies: 329
Views: 9,439
Posted By pb4uski
it would be an easier decision.

it would be an easier decision.
Forum: FIRE and Money 06-30-2015, 05:19 PM
Replies: 97
Views: 4,938
Posted By pb4uski
Is your Google not working? Google "when can i...

Is your Google not working? Google "when can i file for spousal social security benefits" pops up after you type the first few words.

Retirement Planner: Benefits For You As A Spouse...
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