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Forum: Other topics 06-13-2018, 11:20 AM
Replies: 62
Views: 2,963
Posted By Ragna
I live in a rural area in western Wisconsin,...

I live in a rural area in western Wisconsin, which is tick and lyme disease central. Every member of my family has contracted Lyme disease except me (crap, now I jinxed myself). Due to my job and...
Forum: FIRE and Money 11-29-2017, 01:39 PM
Replies: 90
Views: 6,674
Posted By Ragna
You're probably right, but it seems...

You're probably right, but it seems counterintuitive to me. Consider what would happen if you invested in a 529 fund that didn't earn anything or (gasp) lost money. You've paid the taxes on your...
Forum: FIRE and Money 11-29-2017, 11:35 AM
Replies: 90
Views: 6,674
Posted By Ragna
Regarding 529 and double dipping for tax breaks. ...

Regarding 529 and double dipping for tax breaks.

It's my understanding that this only would apply to the earnings portion, right? (You've already paid federal taxes on the original investment...
Forum: FIRE and Money 09-28-2017, 01:26 PM
Replies: 63
Views: 5,466
Posted By Ragna
My only advice would be to keep at least a small...

My only advice would be to keep at least a small amount in your TSP. That way you can roll money back into your account in the future when more liberal withdrawals are allowed (pending the new law)....
Forum: FIRE and Money 07-19-2017, 02:17 PM
Replies: 32
Views: 2,284
Posted By Ragna
Kind of a goofy website name, but I found the...

Kind of a goofy website name, but I found the analyses of the tax implications interesting and understandable in the example.

Reader Financial Review: Scared to Death of Early Retirement - Go...
Forum: FIRE and Money 06-12-2017, 11:06 AM
Replies: 16
Views: 1,762
Posted By Ragna
Being a belt, suspenders and tape person, I have...

Being a belt, suspenders and tape person, I have assessed my portfolio survival with a worst of the worse case scenario. I evaluated whether I could at least squeak by assuming a permanent 50% loss...
Forum: Other topics 06-08-2017, 11:43 AM
Replies: 40
Views: 2,377
Posted By Ragna
We have had a maytag FL for ~ 10 y on a septic...

We have had a maytag FL for ~ 10 y on a septic system (wanted keep water use down). It has worked great and have never had a smell problem. We do leave the door open when not using to dry out. ...
Forum: FIRE and Money 06-01-2017, 11:22 AM
Replies: 24
Views: 3,431
Posted By Ragna
I am actually in similar situation... a little...

I am actually in similar situation... a little less pension and a little more stashed away. If I put my figures into firecalc I get 100% survival even with some pessimistic assumptions (e.g., 20% ...
Forum: FIRE Related Public Policy 05-26-2017, 11:16 AM
Replies: 23
Views: 3,201
Posted By Ragna
diet cola

After doing the math, my analysis indicates the current FERS diet cola would have resulted in an average loss of 0.54%/year of a FERS pension for the historical time period from 1914-2015. Those...
Forum: FIRE and Money 04-14-2017, 09:43 AM
Replies: 10
Views: 1,422
Posted By Ragna
I am in Wisconsin. I guess I just have some...

I am in Wisconsin. I guess I just have some reluctance to pay the lump sum(s) for a couple of reasons. First, coughing up the lump sum from the retirement funds seems somewhat counterproductive...
Forum: FIRE and Money 04-13-2017, 09:29 AM
Replies: 10
Views: 1,422
Posted By Ragna
Thanks for your thoughts. Perhaps this would be...

Thanks for your thoughts. Perhaps this would be a point in favor of pre-paying the lump sum? The company that administers the program is the same as the one that administers the state's pension...
Forum: FIRE and Money 04-13-2017, 09:23 AM
Replies: 10
Views: 1,422
Posted By Ragna
Given the recent past, I am guessing that LTC is...

Given the recent past, I am guessing that LTC is likely to increase at a greater rate than regular inflation. The 169K LTCI coverage would increase at 5%. Not sure whether my investments would keep...
Forum: FIRE and Money 04-13-2017, 08:33 AM
Replies: 10
Views: 1,422
Posted By Ragna
LTCI choices

I know LTCI has been discussed many times in this forum. However, our situation has become somewhat unique. My DW and I have had LTCI coverage for the last 10 y that was partly subsidized through her...
Forum: FIRE and Money 03-24-2017, 01:14 PM
Replies: 30
Views: 3,642
Posted By Ragna
If he's a federal employees and they divorce, she...

If he's a federal employees and they divorce, she is automatically entitled to a portion of his FERS or CSRS pension, and TSP account unless she signs it away when he retires.
Forum: Young Dreamers 01-26-2017, 01:44 PM
Replies: 38
Views: 5,245
Posted By Ragna
keep turning left

My favorite sailing vlog is

Keep Turning Left (http://www.keepturningleft.co.uk/) with the accompanying youtube videos. The business model is quite different than a Patreon account.

Very...
Forum: FIRE and Money 12-19-2016, 11:42 AM
Replies: 38
Views: 2,500
Posted By Ragna
survivorship and LTCI

I've been thinking a bit about this also, especially as it pertains to LTCI. My main consideration whether increased dollars (e.g., at 75 or 100%)to my surviving spouse from the pension might allow...
Forum: FIRE and Money 06-06-2014, 01:15 PM
Replies: 40
Views: 6,520
Posted By Ragna
Fers/csrs

One underappreciated issue with FERS is in addition pensions ~ 1/2 of the old CSRS system, there is no COLA until age 62 and then a reduced COLA (up to 1% loss) each yr after. That will result in a...
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