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Forum: FIRE and Money Today, 05:03 PM
Replies: 11
Views: 698
Posted By Midpack
That's the rub...

That's the rub...
Forum: FIRE and Money Today, 10:47 AM
Replies: 5
Views: 548
Posted By Midpack
Wow, DW is going to be steamed. I'm an early...

Wow, DW is going to be steamed. I'm an early boomer barely (last group) and she just missed, she's a late boomer...
Forum: FIRE and Money Today, 09:17 AM
Replies: 94
Views: 5,077
Posted By Midpack
Stock prices are not driven by fear and greed...

Stock prices are not driven by fear and greed alone, so you're aware of the short(er) term emotional factors but completely unaware of the underlying fundamental values in stock pricing. The S&P 500...
Forum: FIRE and Money Today, 07:06 AM
Replies: 32
Views: 1,535
Posted By Midpack
SWR has already been clearly defined, it's really...

SWR has already been clearly defined, it's really not subject to opinion any more than redefining any other word or term. And the first post was based on an SWR wiki link that was included.
Forum: FIRE and Money Yesterday, 03:54 PM
Replies: 11
Views: 698
Posted By Midpack
The 12 Worst Mutual Funds!

Hopefully no one here owns any of these - though lots of someones had to. What stuck out to me was the high expenses associated with these 'wunderfunds' in light of the recent discussions here on...
Forum: FIRE and Money Yesterday, 02:16 PM
Replies: 8
Views: 641
Posted By Midpack
It is?

It is?
Forum: FIRE and Money Yesterday, 12:03 PM
Replies: 32
Views: 1,535
Posted By Midpack
Some (half?) undoubtedly do. However, we see it...

Some (half?) undoubtedly do. However, we see it misinterpreted at least as often as it's fairly defined, even on this forum, even arguably this thread.

This is just one of several retirement...
Forum: Other topics Yesterday, 09:01 AM
Replies: 24
Views: 496
Posted By Midpack
You can buy a Honeywell 5-2 programmable for $25...

You can buy a Honeywell 5-2 programmable for $25 Honeywell 5-2 Day Programmable Thermostat with Backlight-RTH2300B at The Home Depot...
Forum: Other topics Yesterday, 08:38 AM
Replies: 24
Views: 496
Posted By Midpack
I've seen them on TV. Can't justify buying one to...

I've seen them on TV. Can't justify buying one to replace our 20 year old 'set-back' thermostat (which has saved us considerably), but our next house will have a Nest | The Learning*Thermostat | Home...
Forum: Health and Early Retirement Yesterday, 08:35 AM
Replies: 12
Views: 709
Posted By Midpack
Strive to be the exception, don't be "average."...

Strive to be the exception, don't be "average." ;D
Forum: Other topics Yesterday, 08:32 AM
Replies: 10
Views: 289
Posted By Midpack
You probably saw the same story I did a few...

You probably saw the same story I did a few months ago with researchers "printing" ear cartilage with living cells. Brave new world...

Print Me An Ear: 3-D Printing Tackles Human Cartilage :...
Forum: FIRE and Money Yesterday, 08:29 AM
Replies: 37
Views: 3,209
Posted By Midpack
Indeed, but that's not the fault of the...

Indeed, but that's not the fault of the originators of SWR methodology. Would it have been better had they not published their findings at all?
Forum: FIRE and Money Yesterday, 08:26 AM
Replies: 32
Views: 1,535
Posted By Midpack
Re: hard terms - lots of good info on using 5% of...

Re: hard terms - lots of good info on using 5% of remaining portfolio withdrawal instead of 4% inflation adjusted withdrawal (SWR). Goes a very long way to controlling end of plan residual while...
Forum: Other topics Yesterday, 08:19 AM
Replies: 37
Views: 797
Posted By Midpack
The only thing I'd add to the good posts above is...

The only thing I'd add to the good posts above is sooner is probably better than later. If the iPod is still in reach on an incline section of the duct, in time vibration will move it further away...
Forum: FIRE and Money Yesterday, 08:03 AM
Replies: 32
Views: 1,535
Posted By Midpack
It's funny reading some of the posts how we/they...

It's funny reading some of the posts how we/they try to twist the originators conclusions to mean something other than what they plainly said - citing concerns the originators never claimed! You can...
Forum: FIRE and Money 05-19-2013, 03:43 PM
Replies: 94
Views: 5,077
Posted By Midpack
for obgyn65 What do you think drives stock...

for obgyn65
What do you think drives stock prices and therefore market indices? Your repeated use of the word "luck" to characterize stock markets suggests you only seem to recognize the less...
Forum: Other topics 05-19-2013, 02:24 PM
Replies: 10
Views: 289
Posted By Midpack
It will take some time, but I think it will be...

It will take some time, but I think it will be one of several next big things. Not only will it improve manufacturing productivity/flexibility, it will become an essential tool for home/personal use...
Forum: FIRE and Money 05-19-2013, 01:55 PM
Replies: 37
Views: 3,209
Posted By Midpack
No need to take issue if you understand the...

No need to take issue if you understand the origins and meaning of SWR.

http://www.early-retirement.org/forums/f28/what-does-swr-really-mean-and-not-66729.html#post1321132
Forum: FIRE and Money 05-19-2013, 01:54 PM
Replies: 32
Views: 1,535
Posted By Midpack
What does SWR really mean? And not?

1 There are often posts here confusing Safe Withdrawal Rate with % of Remaining Portfolio approach - they are not at all one in the same. Where % of remaining portfolio is as it sounds, following the...
Forum: FIRE and Money 05-18-2013, 03:53 PM
Replies: 37
Views: 3,209
Posted By Midpack
No sane person would, but none of the well known...

No sane person would, but none of the well known authors/articles recommend blind withdrawals either, in fact they encourage modulating withdrawals over the course of a long retirement as real...
Forum: FIRE and Money 05-18-2013, 03:46 PM
Replies: 39
Views: 1,807
Posted By Midpack
Unfortunately FIRECALC also ignores taxes. Though...

Unfortunately FIRECALC also ignores taxes. Though complicated if not impossible to include, they are a factor that can't be excluded. If anyone goes to the trouble of attempting to factor in returns...
Forum: FIRE and Money 05-17-2013, 06:14 PM
Replies: 39
Views: 1,807
Posted By Midpack
OTOH, it's not as simple as your spreadsheet that...

OTOH, it's not as simple as your spreadsheet that ignores taxes either. Here's another current source/author who shows results that seem to match the fpanet article I linked to. I plan to hold off...
Forum: Health and Early Retirement 05-17-2013, 02:35 PM
Replies: 12
Views: 709
Posted By Midpack
Happiness Peaks at age 65...unless you're German.

This oughta be amusing here...


Happiness wave study reveals happy pensioners, and debunks middle-age blues myth - UQ News Online - The University of Queensland...
Forum: FIRE and Money 05-17-2013, 02:00 PM
Replies: 39
Views: 1,807
Posted By Midpack
This thread got highjacked in record time, but of...

This thread got highjacked in record time, but of course there's no universal answer...

When to Start Collecting Social Security Benefits: A Break-Even Analysis...
Forum: Life after FIRE 05-17-2013, 09:35 AM
Replies: 41
Views: 1,443
Posted By Midpack
It depends on your unique position, but most of...

It depends on your unique position, but most of us probably overestimate how much notice is needed. Two weeks is enough for some, months may be appropriate in some cases, even years in a few. I had...
Showing results 1 to 25 of 6985
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