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Forum: FIRE and Money 02-04-2016, 11:15 PM
Replies: 29
Views: 1,276
Posted By youbet
Yeah, one would hope that. Sadly, in some states...

Yeah, one would hope that. Sadly, in some states such as Illinois, the state paid into neither SS or a pension plan. The employee's portion, however, was ALWAYS deducted from their checks. What a...
Forum: FIRE and Money 02-04-2016, 10:23 PM
Replies: 29
Views: 1,276
Posted By youbet
Are you impacted by WEP?

Are you impacted by WEP?
Forum: FIRE and Money 02-04-2016, 09:20 PM
Replies: 29
Views: 1,276
Posted By youbet
You seem to be combining WEP and GPO which are...

You seem to be combining WEP and GPO which are two very different things.
Forum: Hi, I am... 02-04-2016, 04:54 PM
Replies: 81
Views: 3,166
Posted By youbet
Or despite our advise............

Or despite our advise............
Forum: FIRE and Money 02-04-2016, 04:33 PM
Replies: 29
Views: 1,276
Posted By youbet
Why did you say that "WEP is often misunderstood"...

Why did you say that "WEP is often misunderstood" but then present a quote explaining "GPO," a very, very different thing?

I guess you're right. WEP is often misunderstood. Some people confuse...
Forum: FIRE and Money 02-04-2016, 12:15 AM
Replies: 87
Views: 4,582
Posted By youbet
About 1% in cash here. Plus about 4% in short...

About 1% in cash here. Plus about 4% in short term muni MF's which have been very stable the past couple of years.

Like some of the other posters, I don't believe in keeping much cash on hand...
Forum: Stock Picking and Market Strategy 02-03-2016, 11:48 PM
Replies: 10
Views: 1,028
Posted By youbet
Outlets such as CNBC serve two functions. 1....

Outlets such as CNBC serve two functions.

1. Distribution of actual financial news/data such as earnings reports, market performance in aggregatge, by segment, etc.

2. Discussion of ideas and...
Forum: Other topics 02-03-2016, 09:23 PM
Replies: 91
Views: 3,677
Posted By youbet
You can be assured that those jobs were NOT...

You can be assured that those jobs were NOT shifted to Motorola who now employs about 10% of the number of workers they did a decade ago.
Forum: FIRE and Money 02-01-2016, 01:23 PM
Replies: 32
Views: 2,173
Posted By youbet
A better choice for you in your own...

A better choice for you in your own circumstances. But, certainly not for everyone.
Forum: FIRE and Money 02-01-2016, 12:57 PM
Replies: 143
Views: 8,682
Posted By youbet
Yes, I've noticed that trend growing the past few...

Yes, I've noticed that trend growing the past few years.

Many people seem to be taking the outlook that the goal is to have as much or more, in real dollars, at the end as in the beginning whether...
Forum: FIRE and Money 02-01-2016, 12:44 PM
Replies: 143
Views: 8,682
Posted By youbet
I wonder what you mean by that? Of course,...

I wonder what you mean by that?

Of course, it will not last for eternity. But, it may last long enough. For example, FireCalc tells me my WR (increased annually by inflation) could exceed the...
Forum: FIRE and Money 01-31-2016, 11:11 PM
Replies: 80
Views: 3,051
Posted By youbet
+1 We're also pretty much bottom line folks...

+1

We're also pretty much bottom line folks when it comes to tracking spending. All our expenses seem to run through the checking account other than the withholding taxes taken from our pension...
Forum: FIRE and Money 01-28-2016, 01:24 PM
Replies: 192
Views: 12,186
Posted By youbet
Although I was laid off in 2006, I made the...

Although I was laid off in 2006, I made the decision to remain unemployed when I had job offers in the very low six figures (2006 dollars). I calculated that I was FIRE'd and didn't need to start...
Forum: Life after FIRE 01-28-2016, 12:56 PM
Replies: 64
Views: 5,328
Posted By youbet
I was laid off in lieu of formally retiring in...

I was laid off in lieu of formally retiring in 2006. This was at age 58 when I planned to retire at 62.

Because, IMO, the current management team was taking us in a direction not likely to...
Forum: FIRE and Money 01-28-2016, 12:30 PM
Replies: 19
Views: 728
Posted By youbet
+1 Before RE'ing a decade ago, DW and I kept...

+1

Before RE'ing a decade ago, DW and I kept pretty good records on commuting expenses (dominated by auto expenses) and tried to minimize them. But now, our cars are used a small percentage of...
Forum: FIRE and Money 01-25-2016, 02:25 PM
Replies: 80
Views: 3,432
Posted By youbet
+1 I also think that's the way it works. ...

+1

I also think that's the way it works. I'm sure mathjak did not mean to mislead, but it does seem that dbp's, dcp's, cash bal pensions, 401k's 403b's, the various IRA types, etc., all have...
Forum: FIRE and Money 01-25-2016, 02:17 PM
Replies: 80
Views: 3,432
Posted By youbet
+1 Yes, comparing a stable value fund...

+1

Yes, comparing a stable value fund offering day by day, penalty free in and out privileges to 7 - 10 year treasuries is silly. Totally apples to oranges.

I monitor my son's 401k for him...
Forum: FIRE and Money 01-24-2016, 10:07 PM
Replies: 72
Views: 2,897
Posted By youbet
I'm assuming you're just passing on TP's error...

I'm assuming you're just passing on TP's error with the "3 year" thing. But, in case I'm missing something, where did you get the "3 year" figure you're using? Why "3 years?"
Forum: FIRE and Money 01-24-2016, 10:00 PM
Replies: 72
Views: 2,897
Posted By youbet
That bad? How bad is bad in terms of having your...

That bad? How bad is bad in terms of having your resources reduced? Would you be OK with spending a modest 20% or 25% less after a decade?

I agree that at a 2% (consistent not average) level of...
Forum: FIRE and Money 01-24-2016, 09:34 PM
Replies: 72
Views: 2,897
Posted By youbet
Which orifice did you pull the 3 years from TP? ...

Which orifice did you pull the 3 years from TP? That's not the number I was using.
Forum: FIRE and Money 01-24-2016, 09:29 PM
Replies: 72
Views: 2,897
Posted By youbet
You don't need to recover losses back to your all...

You don't need to recover losses back to your all time high or even to your beginning portfolio value. You just need to be able to keep spending without running out of money until the grim reaper...
Forum: FIRE and Money 01-24-2016, 01:43 PM
Replies: 80
Views: 3,432
Posted By youbet
What does "exempt" mean in the context of this...

What does "exempt" mean in the context of this chart. It looks like it means "exempt" from being taken by creditors during bankruptcy. I wonder what it means regarding law suites.

You mention...
Forum: Life after FIRE 01-24-2016, 01:34 PM
Replies: 15
Views: 1,183
Posted By youbet
I'm assuming by "drop life style" you mean spend...

I'm assuming by "drop life style" you mean spend less.

Yes, spending less will always cause FireCalc to show results that are more "successful." That passes the common sense test. You spend...
Forum: FIRE and Money 01-24-2016, 01:19 PM
Replies: 72
Views: 2,897
Posted By youbet
My problem is that I worry about inflation risk...

My problem is that I worry about inflation risk as much as market risk. I've been FIRE'd for almost a decade. I have many friends in the same situation since Mega laid us all off at about the same...
Forum: FIRE and Money 01-24-2016, 12:53 PM
Replies: 80
Views: 3,432
Posted By youbet
It's that word "some" you need to understand and...

It's that word "some" you need to understand and research. It varies.
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