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Forum: FIRE and Money Today, 12:14 AM
Replies: 34
Views: 1,058
Posted By FIREd
I have many spreadsheets (love spending time...

I have many spreadsheets (love spending time tweaking them too). The main ones are:

Net worth
Asset allocation tracking
Checkbook register
Sinking fund management
Portfolio management and...
Forum: FIRE and Money Yesterday, 06:54 PM
Replies: 38
Views: 1,288
Posted By FIREd
I ditched Quicken and went back to spreadsheets....

I ditched Quicken and went back to spreadsheets. I don’t miss it one bit.
Forum: FIRE and Money 11-21-2017, 02:43 PM
Replies: 54
Views: 2,406
Posted By FIREd
My target AA happens to be 50/50. Using 3.5%...

My target AA happens to be 50/50. Using 3.5% nominal return and 2% inflation, my WR would go up to 3.5% in 10 years if I chose to keep my spending power constant. I will be ~54 in 10 years and 3.5%...
Forum: Life after FIRE 11-20-2017, 03:00 PM
Replies: 58
Views: 2,419
Posted By FIREd
You betcha! Of course it is impossible to cut...

You betcha! Of course it is impossible to cut stress completely out of one's life, but I am doing my best. I don't avoid all stressors (like flying for example) because sometimes they may lead to...
Forum: FIRE and Money 11-16-2017, 11:08 AM
Replies: 29
Views: 1,171
Posted By FIREd
I have some land/forestry investments - but this...

I have some land/forestry investments - but this is the family business. From owning/managing forests to the finish product (fire wood, lumber, or even kitchen cabinets), "we" do it all (I am not...
Forum: Other topics 11-12-2017, 05:38 PM
Replies: 36
Views: 1,249
Posted By FIREd
Our only car has a very small trunk, so we rely...

Our only car has a very small trunk, so we rely on Amazon to deliver a lot of bulky items. My last order was for a fireplace insert.
Forum: FIRE and Money 11-12-2017, 04:37 PM
Replies: 32
Views: 2,931
Posted By FIREd
I haven't but never say never (although I have...

I haven't but never say never (although I have other options for health insurance).
Forum: Health and Early Retirement 11-12-2017, 11:50 AM
Replies: 30
Views: 1,584
Posted By FIREd
$20-$25K per year might be a bit low as you...

$20-$25K per year might be a bit low as you approach Medicare? DW and I are 43. Our unsubsidized premiums for a high deductible plan is already $10K per year (of course this is highly...
Forum: Health and Early Retirement 11-09-2017, 01:58 PM
Replies: 33
Views: 1,728
Posted By FIREd
Just signed up for 2018 through the website (as I...

Just signed up for 2018 through the website (as I did for 2017). It seemed easy enough.
Forum: Life after FIRE 11-09-2017, 11:45 AM
Replies: 97
Views: 5,348
Posted By FIREd
My neighbors seem to value self-reliance, as do...

My neighbors seem to value self-reliance, as do my friends. People in my family have a tendency to feel entitled to my free time, but they live far away for most of the year and I rarely have to deal...
Forum: Health and Early Retirement 11-08-2017, 07:40 PM
Replies: 25
Views: 1,072
Posted By FIREd
Lived in SF until recently. I never heard of this...

Lived in SF until recently. I never heard of this “universal health care”, but I did hear that the uninsured and indigent could get free care at SF General Hospital.
Forum: Life after FIRE 11-08-2017, 12:26 AM
Replies: 44
Views: 3,014
Posted By FIREd
DW still hangs out with old work friends. When...

DW still hangs out with old work friends. When she has lunch with them, all they talk about is work! I personally don't see the point.
Forum: Health and Early Retirement 11-08-2017, 12:17 AM
Replies: 25
Views: 805
Posted By FIREd
As a kid I used to go pick wild raspberries,...

As a kid I used to go pick wild raspberries, blackberries, and blueberries. My dad made brandy with them, my mom made jams and jellies. Wild strawberries were just for snacking.
Forum: Life after FIRE 11-08-2017, 12:13 AM
Replies: 97
Views: 6,761
Posted By FIREd
I don't hide the fact that I am retired, but I...

I don't hide the fact that I am retired, but I don't advertise it either.

A few months ago, I was traveling through Amsterdam on my way back to the US. All the passengers bound to the US were...
Forum: Other topics 11-04-2017, 06:01 PM
Replies: 52
Views: 1,399
Posted By FIREd
Those are much smaller amounts than rent on a...

Those are much smaller amounts than rent on a comparable property usually.
Forum: Other topics 11-04-2017, 11:17 AM
Replies: 52
Views: 1,399
Posted By FIREd
I loved the convenience of renting a condo in a...

I loved the convenience of renting a condo in a well maintained property. But... owning relieves some of the inflationary pressure on my budget (healthcare inflation is bad enough as it is, I don't...
Forum: FIRE and Money 11-03-2017, 09:10 PM
Replies: 32
Views: 2,175
Posted By FIREd
We spend about $12 a day per person on food (both...

We spend about $12 a day per person on food (both store bought and restaurants) and alcohol. It is important for us to feel good about what we eat and drink, so some of our food purchases are...
Forum: FIRE and Money 11-03-2017, 08:58 PM
Replies: 126
Views: 9,818
Posted By FIREd
Our money needs to at least keep up with...

Our money needs to at least keep up with inflation for our plan to work. So a real return of 0% would see us through. But I would not be comfortable having all of my money in a single asset class, no...
Forum: FIRE and Money 11-03-2017, 08:52 PM
Replies: 149
Views: 7,089
Posted By FIREd
DW and I were both facing staid careers with...

DW and I were both facing staid careers with limited earning potentials. Our home run was DW having the opportunity to go into management for an up-and-coming biotech company. Our earnings grew far...
Forum: FIRE and Money 11-03-2017, 02:01 PM
Replies: 13
Views: 1,128
Posted By FIREd
Everyone's entitled to their opinion. Now back to...

Everyone's entitled to their opinion. Now back to doing exactly what I want...
Forum: FIRE Related Public Policy 11-03-2017, 08:40 AM
Replies: 311
Views: 14,987
Posted By FIREd
At first glance, the proposed plan should not...

At first glance, the proposed plan should not affect our effective tax rate if qualified dividends remained treated as favorably as LTCGs and HSA contributions remained deductible (and it seems like...
Forum: Other topics 11-01-2017, 07:42 PM
Replies: 29
Views: 996
Posted By FIREd
We used to have two malls in town, then an...

We used to have two malls in town, then an outdoor shopping center opened maybe 10 years ago. The oldest mall, anchored by Sears and JC Penney, closed down last year and was leveled. The other mall,...
Forum: Health and Early Retirement 11-01-2017, 12:36 PM
Replies: 12
Views: 422
Posted By FIREd
After subsidy, we'll pay nothing for our Bronze...

After subsidy, we'll pay nothing for our Bronze HSA plan next year. It is a strange situation, but I am not feeling guilty about it. I don't make the law, I just follow it. We budget as if we don't...
Forum: FIRE and Money 11-01-2017, 11:51 AM
Replies: 68
Views: 5,450
Posted By FIREd
Bought a couple of 5-year CDs at 2.4% this...

Bought a couple of 5-year CDs at 2.4% this morning. All of the 7-year CDs that I purchased from USAA in 2010 (at 3.65%) have matured and their current rates are not competitive at all, so I am...
Forum: FIRE and Money 10-28-2017, 10:50 AM
Replies: 226
Views: 16,038
Posted By FIREd
We have not been spending money freely since DW...

We have not been spending money freely since DW retired. We decide on an overall budget for the year and we stick to it. Our budget is generous enough to allow some luxuries and we also save part of...
Showing results 1 to 25 of 7577

 
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