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Search: Posts Made By: Earl E Retyre
Forum: FIRE and Money 01-12-2020, 11:15 AM
Replies: 31
Views: 1,440
Posted By Earl E Retyre
Thanks for posting this. Quick question … what...

Thanks for posting this. Quick question … what does the 2nd chart "residual portfolio" represent? I would have guessed it would be the avg amount left over after 30 years. But then I am surprised...
Forum: FIRE and Money 11-25-2019, 05:07 PM
Replies: 31
Views: 1,611
Posted By Earl E Retyre
I got the same Synchrony Bank emails. If you look...

I got the same Synchrony Bank emails. If you look on synchronybank.com you will see front and center on their website a message apologizing and saying no actions are needed. Apparently this affected...
Forum: FIRE and Money 11-25-2019, 08:00 AM
Replies: 21
Views: 927
Posted By Earl E Retyre
No worries. I got the helpful answers I was...

No worries. I got the helpful answers I was looking for.

I learned 2 things that affect my situation:
1) There is no way I will get 0% capital gains rate since I did not realize that this...
Forum: FIRE and Money 11-24-2019, 09:23 AM
Replies: 29
Views: 2,854
Posted By Earl E Retyre
:laugh: That is a good analogy. Unless the...

:laugh: That is a good analogy. Unless the lettuce leaf is romaine and came from Salinas Valley.
Forum: FIRE and Money 11-24-2019, 08:36 AM
Replies: 29
Views: 2,854
Posted By Earl E Retyre
article today on Lean vs FatFIRE

There is an article today on MSN:
https://www.msn.com/en-us/money/retirement/there-are-3-main-types-of-early-retirement-and-the-only-difference-is-how-much-you-spend/ar-AAJQA5o?ocid=spartandhp
...
Forum: FIRE and Money 11-22-2019, 03:09 PM
Replies: 21
Views: 927
Posted By Earl E Retyre
Sale of rental house and taxes owed question

I wanted to verify my understanding from any tax experts out there

DW and I have a rental property that we are planning to sell next year. I assume as long as the capital gains (combined with my...
Forum: FIRE and Money 10-03-2019, 11:26 AM
Replies: 52
Views: 2,321
Posted By Earl E Retyre
OP here. Dtail, you are awesome! Actually this...

OP here. Dtail, you are awesome! Actually this whole forum is awesome. One post and the whole issue gets resolved in a day.
Forum: FIRE and Money 10-02-2019, 06:09 PM
Replies: 52
Views: 2,321
Posted By Earl E Retyre
GTE Financial Add on CD - changing the rules

Several weeks ago I opened one of the GTE add-on 5 year 3.04% CD thanks to someone posting on this forum. I deposited $500 with the understanding that at any time I could add more funds at the rate...
Forum: FIRE and Money 07-27-2019, 09:39 AM
Replies: 27
Views: 1,776
Posted By Earl E Retyre
I purchase brokered CDs in my vanguard nontaxable...

I purchase brokered CDs in my vanguard nontaxable account - but they are not callable.

I just looked up one of the CDs I purchased. It was on 1/2019 for $150k on a 3.5% 5-year CD. Since interest...
Forum: FIRE and Money 05-17-2019, 09:13 AM
Replies: 196
Views: 13,282
Posted By Earl E Retyre
I try and take what I believe to be a...

I try and take what I believe to be a conservative point of view and assume that at any time my equity investments could take a 50% hit and not recover for 25 years. I doubt that this will happen,...
Forum: FIRE and Money 04-13-2019, 03:12 PM
Replies: 78
Views: 10,303
Posted By Earl E Retyre
Do you know how they prevented this in the trust?...

Do you know how they prevented this in the trust? Example verbiage? It was my understanding that I could informally request DD to not comingle accounts in case of future divorce. But if she ignores...
Forum: FIRE and Money 04-10-2019, 12:00 PM
Replies: 78
Views: 10,303
Posted By Earl E Retyre
This is great info. Might be a simpler way of...

This is great info. Might be a simpler way of doing it vs my way, which is an annual calculation. Question for you is does the will itself specify the payouts (age 25, 33, 40)? If so, would you mind...
Forum: FIRE and Money 04-08-2019, 02:33 PM
Replies: 10
Views: 551
Posted By Earl E Retyre
OK, Thanks for validating! I bet that the...

OK, Thanks for validating! I bet that the majority of young people do not do this yet it is free money. Unless they are literally living paycheck to paycheck and do not have $2,000 then it makes no...
Forum: FIRE and Money 04-08-2019, 01:58 PM
Replies: 10
Views: 551
Posted By Earl E Retyre
tax/Roth question re: Credit for Qualified Retirement Savings Contributions

I am helping out a young lady with her taxes and wanted to validate my understanding regarding the Credit for Qualified Retirement Savings Contributions.

My understanding is if she contributes...
Forum: FIRE and Money 04-08-2019, 10:09 AM
Replies: 78
Views: 10,303
Posted By Earl E Retyre
The way I look at it, I am trying to protect the...

The way I look at it, I am trying to protect the trustee from being manipulated (since the daughter's SO is very manipulative). They could easily say they lost the house in a fire, need medical...
Forum: FIRE and Money 04-08-2019, 09:12 AM
Replies: 78
Views: 10,303
Posted By Earl E Retyre
That is exactly what we have done. We wrote an...

That is exactly what we have done. We wrote an Estate Planning Letter which supplements the Wills and designates exactly how we want the proceeds distributed. We defined ours using a formula:
Annual...
Forum: FIRE and Money 04-07-2019, 04:26 PM
Replies: 78
Views: 10,303
Posted By Earl E Retyre
+1 We are in a similar boat. One is not...

+1 We are in a similar boat. One is not financially oriented/mature/gullable and the other is even worse plus is in a very bad, untrusting and toxic relationship. So, at this point, we decided to do...
Forum: FIRE and Money 04-04-2019, 05:24 PM
Replies: 91
Views: 5,411
Posted By Earl E Retyre
Agreed and this is one thing I love about this...

Agreed and this is one thing I love about this forum. There are different points of view and different ways folks choose to handle their own personal situations. No right or wrong and no one knows...
Forum: FIRE and Money 04-04-2019, 04:01 PM
Replies: 91
Views: 5,411
Posted By Earl E Retyre
I find this post amusing and appreciate the...

I find this post amusing and appreciate the humor. I can also relate to it. I am also in the camp of sleeping well at night knowing I have zero debt. I sleep even better knowing that my fixed...
Forum: FIRE and Money 04-01-2019, 05:22 PM
Replies: 7
Views: 1,164
Posted By Earl E Retyre
Should have chosen an ACA plan and not COBRA

My COBRA eligibility ended in the middle of the year and so I switched to an ACA healthcare plan. I did a little bit of consulting this year for some blow your dough money. In doing my taxes, I now...
Forum: FIRE and Money 03-25-2019, 10:20 PM
Replies: 109
Views: 8,163
Posted By Earl E Retyre
What I find interesting is my observation that...

What I find interesting is my observation that while most would likely agree that no one knows for sure what the future holds; the past may or may not represent the future; and everyone should choose...
Forum: Hi, I am... 03-24-2019, 08:51 AM
Replies: 20
Views: 1,832
Posted By Earl E Retyre
Congrats! Yes, you very much won the game. :dance:

Congrats! Yes, you very much won the game. :dance:
Forum: FIRE and Money 03-22-2019, 06:26 PM
Replies: 109
Views: 8,163
Posted By Earl E Retyre
I am currently at 24% equities. My fixed income...

I am currently at 24% equities. My fixed income combined with net rental income is enough to pay for all my expenses. Equities provides me with net worth growth in any year that the market is...
Forum: FIRE and Money 03-21-2019, 09:58 AM
Replies: 57
Views: 3,755
Posted By Earl E Retyre
Interesting thread. I agree with a lot of the...

Interesting thread. I agree with a lot of the points made above.

My house is paid for so inflation related to real estate does not impact me. Other than real estate taxes - which does go up each...
Forum: Other topics 03-09-2019, 02:37 PM
Replies: 0
Views: 229
Posted By Earl E Retyre
Resin Infiltration to fix teeth white spot lesions?

Curious to see if anyone has any experience with a relatively new procedure called Resin Infiltration that a dentist performs to address white spot lesions on front teeth?
Showing results 1 to 25 of 334

 
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