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Search: Posts Made By: ecowtent
Forum: Life after FIRE 12-11-2019, 02:08 PM
Replies: 38
Views: 6,237
Posted By ecowtent
Not retired yet, but I really enjoy your updates.

Not retired yet, but I really enjoy your updates.
Forum: Health and Early Retirement 10-22-2019, 04:27 PM
Replies: 92
Views: 6,643
Posted By ecowtent
So very sorry to hear your news. Take a notebook...

So very sorry to hear your news. Take a notebook with you to your appointments. You will not remember a lot of what you discuss. Tell DW not to worry how others feel. Now is the time to worry about...
Forum: FIRE and Money 08-28-2019, 03:20 PM
Replies: 15
Views: 1,412
Posted By ecowtent
Thank you all! Very helpful. Deducting from the...

Thank you all! Very helpful. Deducting from the budgeted expense and backing into the difference makes the most sense to me.
Forum: FIRE and Money 08-27-2019, 12:09 PM
Replies: 15
Views: 1,412
Posted By ecowtent
Asset Allocation

I am working on asset allocation. This is a concept I struggle with understanding. I can do the basic math, but don't quite know how to factor in DH pension as part of our allocation. Any suggestions...
Forum: Life after FIRE 05-17-2019, 03:15 PM
Replies: 50
Views: 3,121
Posted By ecowtent
Gretah-I truly don't understand why you would...

Gretah-I truly don't understand why you would post this comment. It isn't helpful in any way. Think to yourself-Would you make this comment if you sat across from Carol in conversation?



I...
Forum: FIRE and Money 10-10-2017, 12:33 PM
Replies: 15
Views: 1,582
Posted By ecowtent
No more advisor fees. We moved to Vanguard in...

No more advisor fees. We moved to Vanguard in kind.


Individual stocks are 15% of portfolio. Biggest is Lockheed Martin, Walgreens, and Waste Management. I guess my biggest reason to sell would...
Forum: FIRE and Money 10-05-2017, 02:50 PM
Replies: 15
Views: 1,582
Posted By ecowtent
Thank you all. Helpful feedback. LOl!...

Thank you all. Helpful feedback.


LOl! Thank you- I like to work from a list.


Runningbaum-I do actually expect our income to go down in the next few years, but Sunset's point is well...
Forum: FIRE and Money 10-04-2017, 12:05 PM
Replies: 15
Views: 1,582
Posted By ecowtent
Individual stocks question

8 years ago, we bought stocks known for yield and consistent dividends through a fee-based registered investment advisor. After several years, we felt that the fees were very high in comparison to...
Forum: FIRE and Money 03-08-2017, 12:13 PM
Replies: 22
Views: 2,124
Posted By ecowtent
I agree that this is part of your comp and should...

I agree that this is part of your comp and should be communicated. As the Accounting/HR person, I would not be offended if an employee asked when the payment would occur.
Forum: Other topics 03-01-2017, 09:47 AM
Replies: 36
Views: 1,557
Posted By ecowtent
We ran electric to be able to run lights for the...

We ran electric to be able to run lights for the months that are short light. However, my chickens still didn't lay. Just now laying...
Forum: Stock Picking and Market Strategy 02-21-2017, 03:02 PM
Replies: 18
Views: 1,880
Posted By ecowtent
1 of 9 owners.

1 of 9 owners.
Forum: Stock Picking and Market Strategy 02-21-2017, 02:57 PM
Replies: 18
Views: 1,880
Posted By ecowtent
I better ask for a photo of the keeper. I just...

I better ask for a photo of the keeper. I just pictured a chubby old guy...
Forum: Stock Picking and Market Strategy 02-21-2017, 02:52 PM
Replies: 18
Views: 1,880
Posted By ecowtent
It is a pooled investment club, BUT the cost is...

It is a pooled investment club, BUT the cost is $60K. However it is on great location and has lodging and a keeper.
Forum: Stock Picking and Market Strategy 02-21-2017, 02:43 PM
Replies: 18
Views: 1,880
Posted By ecowtent
yes a hunting club

yes a hunting club
Forum: Stock Picking and Market Strategy 02-21-2017, 02:39 PM
Replies: 18
Views: 1,880
Posted By ecowtent
Duck club investment?

We are looking for alternatives as part of our investment allocation. My husband wants to invest in a duck club. Is there ever a time that this works out as an investment choice? He wanted to invest...
Forum: Stock Picking and Market Strategy 02-21-2017, 02:35 PM
Replies: 4
Views: 909
Posted By ecowtent
Actually, I have been selling with limiting our...

Actually, I have been selling with limiting our taxes as a top priority. We are in the top bracket this year and last year. The ones sold were very close to a zero gain.


One of ours that I...
Forum: Stock Picking and Market Strategy 02-21-2017, 01:46 PM
Replies: 4
Views: 909
Posted By ecowtent
How to decide which stocks to sell?

Several years ago, we invested in individual stocks with a growth investment strategy. After lots of research, we decided index funds were a better choice for us. I am not a risky investor. We don't...
Forum: FIRE and Money 02-01-2017, 11:40 AM
Replies: 19
Views: 2,601
Posted By ecowtent
MRloco- the majority of the increase between 600K...

MRloco- the majority of the increase between 600K and 1 mil is funded by investment and not by increase in value. We are maxing out 401K and investing in Vanguard.


We are currently allocated...
Forum: FIRE and Money 01-26-2017, 02:50 PM
Replies: 19
Views: 2,601
Posted By ecowtent
Actually he worked and paid SS for a about half...

Actually he worked and paid SS for a about half of his work time. He is a professor now and will have a state pension- Illinois which is riskier than some-but university pension isn't the same as the...
Forum: FIRE and Money 01-25-2017, 03:55 PM
Replies: 19
Views: 2,601
Posted By ecowtent
I don't think my DH will be eligible for SS since...

I don't think my DH will be eligible for SS since he has a state pension.


Thank you very much! I run the numbers through firecalc and others, but just wanted to be sure.
Forum: FIRE and Money 01-25-2017, 02:20 PM
Replies: 19
Views: 2,601
Posted By ecowtent
Yes exactly. Our withdrawal rate would be 3%.

Yes exactly. Our withdrawal rate would be 3%.
Forum: FIRE and Money 01-25-2017, 01:18 PM
Replies: 19
Views: 2,601
Posted By ecowtent
Understanding correctly?

My initial thoughts and calculations did not take into account my husbandís pension as much as I think it should. We have budgeted expenses of $65-75K depending on travel. My SS estimates $25K at...
Forum: FIRE and Money 11-18-2016, 02:24 PM
Replies: 11
Views: 1,639
Posted By ecowtent
Inflation impact

If you arenít exactly retiring early, then factor do you use instead of need 25x expenses? Firecalc comes up with 100% based on expected spending and savings pattern. My issue is inflation. I would...
Forum: Health and Early Retirement 11-17-2016, 02:58 PM
Replies: 35
Views: 2,271
Posted By ecowtent
Eastwest Gal- OE timing doesn't matter if...

Eastwest Gal-


OE timing doesn't matter if you are a new hire. Your date of hire is your qualifying event. It should be allowed to add him on his own policy and drop on your policy. Most policies...
Forum: FIRE and Money 10-21-2016, 04:20 PM
Replies: 136
Views: 11,127
Posted By ecowtent
Assessed value $110,650 tax rate 7.0653 tax bill...

Assessed value $110,650 tax rate 7.0653 tax bill $7816, BUT they made an error and reassessed so it will be $10.8 Illinois... sigh
Showing results 1 to 25 of 44

 
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