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Search: Posts Made By: pb4uski
Forum: Life after FIRE Yesterday, 07:16 AM
Replies: 12
Views: 944
Posted By pb4uski
I renewed my professional designation for the...

I renewed my professional designation for the first two year cycle after I retired "just in case" but suspect I'll let it go I inactive this year as I don't ever see myself returning to work.
Forum: Stock Picking (Individual Security Analysis) Yesterday, 06:46 AM
Replies: 7
Views: 389
Posted By pb4uski
Google "diversification".

Google "diversification".
Forum: FIRE and Money 02-28-2015, 05:01 PM
Replies: 13
Views: 556
Posted By pb4uski
I realize that many people don't see the benefit...

I realize that many people don't see the benefit of foreign bonds even if denominated in USD or with fx hedged. I'd be interested as to why you believe it is not a good idea.

OTOH I know that...
Forum: FIRE and Money 02-28-2015, 11:58 AM
Replies: 31
Views: 1,240
Posted By pb4uski
Am I wrong, but if my tax payments for 2014 are...

Am I wrong, but if my tax payments for 2014 are about equal to my tax liability and I file on-time, even if a fraudster filed a fake return ahead of me and got a refund, isn't that the federal or...
Forum: FIRE and Money 02-28-2015, 11:51 AM
Replies: 141
Views: 6,815
Posted By pb4uski
I do something similar. I take my Quicken YTD...

I do something similar. I take my Quicken YTD return (which is an annualized return) for all my accounts except my online bank account (which is where my withdrawals come from), do the calculation...
Forum: FIRE and Money 02-28-2015, 10:12 AM
Replies: 80
Views: 2,762
Posted By pb4uski
I think a sensible approach would be to calculate...

I think a sensible approach would be to calculate expected cash flows (contractual annuity benefit * probability that you will be living) and then calculate an IRR that equates that expected cash...
Forum: FIRE and Money 02-28-2015, 10:08 AM
Replies: 80
Views: 2,762
Posted By pb4uski
The difference between $282k for quinquenial...

The difference between $282k for quinquenial increases equal to 3% compounded and $298k for 3% annual increases seems sensible. I didn't know Principal offered a COLI... good to know.
Forum: FIRE and Money 02-28-2015, 10:05 AM
Replies: 134
Views: 7,542
Posted By pb4uski
While consistency is a virtue, being consistently...

While consistency is a virtue, being consistently WRONG is not.
Forum: Other topics 02-27-2015, 11:01 PM
Replies: 12
Views: 372
Posted By pb4uski
I wonder where the WSJ is getting that price for...

I wonder where the WSJ is getting that price for the Volt. Both Black Book and Carmax are substantially higher for a 2012 Volt with 36k miles.
Forum: FIRE and Money 02-27-2015, 10:54 PM
Replies: 80
Views: 2,762
Posted By pb4uski
I had an idea. Let's say that you wanted a...

I had an idea. Let's say that you wanted a COLAed pension. You could buy a SPIA and then a series of these deferred annuities aka longevity insurance to bump up your benefits for inflation every 5...
Forum: FIRE and Money 02-27-2015, 10:06 PM
Replies: 14
Views: 748
Posted By pb4uski
Maybe they have been smoking too much...

Maybe they have been smoking too much wacky-tobacky.
Forum: Other topics 02-27-2015, 11:44 AM
Replies: 34
Views: 1,004
Posted By pb4uski
Sad news. I liked his characters.

Sad news. I liked his characters.
Forum: Hi, I am... 02-27-2015, 11:34 AM
Replies: 31
Views: 1,341
Posted By pb4uski
Wouldn't 5.5% fixed with no standard deviation be...

Wouldn't 5.5% fixed with no standard deviation be the same as 5.5% deterministic?
Forum: Other topics 02-27-2015, 11:29 AM
Replies: 1,308
Views: 31,901
Posted By pb4uski
A friend sent me this yesterday. The headline...

A friend sent me this yesterday. The headline was "Pete Carroll leaving the Seahawks".



;D;D;D
Forum: FIRE and Money 02-27-2015, 11:27 AM
Replies: 141
Views: 6,815
Posted By pb4uski
Actually, they lost ugly two weeks later. ;D

Actually, they lost ugly two weeks later. ;D
Forum: Life after FIRE 02-27-2015, 11:22 AM
Replies: 6
Views: 250
Posted By pb4uski
I use airvoicewireless and it is similar. You...

I use airvoicewireless and it is similar. You bring your own AT&T phone and buy a $5 SIM card from them. I'm on the $10/month automatic refill plan so my account increases $10 and 30 days each...
Forum: FIRE and Money 02-27-2015, 11:14 AM
Replies: 25
Views: 835
Posted By pb4uski
So if it is W-2 income can you contribute to a...

So if it is W-2 income can you contribute to a Roth since you have earned income?
Forum: Hi, I am... 02-27-2015, 10:00 AM
Replies: 31
Views: 1,341
Posted By pb4uski
The difference in your outcomes seems odd. I...

The difference in your outcomes seems odd. I tested with firecalc assuming $1m portfolio and $40k withdrawals over 30 years, 60/40 portfolio and all other assumptions default assumptions.

Base...
Forum: Young Dreamers 02-27-2015, 09:43 AM
Replies: 22
Views: 796
Posted By pb4uski
A 20% raise for an internal promotion would be...

A 20% raise for an internal promotion would be unusual in my experience. I think 5-10% is more typical, perhaps up to 15% in unusual circumstances.

My advice to someone in the first 10 years of...
Forum: FIRE and Money 02-27-2015, 09:33 AM
Replies: 22
Views: 696
Posted By pb4uski
From the way it was worded, I'm assuming that the...

From the way it was worded, I'm assuming that the OP meant an after-tax 401k balance was rolled over, not a Roth 401k but your are right that it would be good for the OP to clarify.

It might be...
Forum: FIRE and Money 02-27-2015, 09:19 AM
Replies: 6
Views: 230
Posted By pb4uski
And all of that is why I decided that...

And all of that is why I decided that non-deductible contributions were not worth the bookeeping hassle that they created.
Forum: FIRE and Money 02-27-2015, 09:15 AM
Replies: 22
Views: 696
Posted By pb4uski
Yes, until you turn 59 1/2 and then the "clock"...

Yes, until you turn 59 1/2 and then the "clock" for each conversion instantly accelerates to five years... a bonus for turning 59 1/2!
Forum: FIRE and Money 02-27-2015, 09:12 AM
Replies: 141
Views: 6,815
Posted By pb4uski
I guess I'm just not as paranoid. ;D I...

I guess I'm just not as paranoid. ;D

I guess if you only update twice a year that would work for you. I update at least weekly. Have been doing it for over 10 years and never a problem. YMMV.
Forum: FIRE and Money 02-27-2015, 09:07 AM
Replies: 22
Views: 696
Posted By pb4uski
Also see below from Fairmark Forum :: Retirement...

Also see below from Fairmark Forum :: Retirement Savings and Benefits :: Distributions from RIRA after TIRA transfer (http://fairmark.com/forum/read.php?2,63970)

I believe that in the OPs...
Forum: FIRE and Money 02-27-2015, 08:50 AM
Replies: 22
Views: 696
Posted By pb4uski
That only applies to contributions, not to...

That only applies to contributions, not to conversions or rollovers. Just because the account has been open for 5 years and the tax has already been paid does not mean it is available penalty free...
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