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Forum: Other topics 08-28-2014, 05:21 PM
Replies: 3
Views: 200
Posted By youbet
That's great Ace. My own (biased) opinion is...

That's great Ace. My own (biased) opinion is that volunteers who serve on school boards, park district boards, volunteer fire departements, etc are the real heros of our nation. The highly paid...
Forum: FIRE and Money 08-28-2014, 10:27 AM
Replies: 90
Views: 5,522
Posted By youbet
There ya go......

There ya go......
Forum: FIRE and Money 08-28-2014, 10:13 AM
Replies: 90
Views: 5,918
Posted By youbet
Yes. If, for whatever reason, leaving an...

Yes. If, for whatever reason, leaving an inheritance at your passing is your objective, you don't do that by buying an annuity.
Forum: Other topics 08-28-2014, 10:04 AM
Replies: 13
Views: 411
Posted By youbet
Yes. Putting the inverter at the car and...

Yes.

Putting the inverter at the car and running 110V AC on the extension would be much better than trying to run 12V from the car to the inverter inside the house or lugging the battery back and...
Forum: Life after FIRE 08-28-2014, 09:26 AM
Replies: 54
Views: 2,725
Posted By youbet
You betcha! I've been FIRE'd over 8 years,...

You betcha!

I've been FIRE'd over 8 years, DW over 12. (FIRE'd at 58 and 55.) The best thing about this stage of retirement is that events past our working years are now our dominant memories....
Forum: FIRE and Money 08-27-2014, 11:16 AM
Replies: 90
Views: 5,918
Posted By youbet
I'll suggest your use of the word "absolutely"...

I'll suggest your use of the word "absolutely" might not be appropriate. Depending on investment returns on the 4 yrs of SS payments and how long the wife lives beyond 66, delaying SS might or might...
Forum: FIRE and Money 08-27-2014, 10:55 AM
Replies: 90
Views: 5,918
Posted By youbet
You could quickly satisfy your curiosity with a...

You could quickly satisfy your curiosity with a quick glance at SS.gov which I suggest you do. But, in a nutshell, GPO would not impact survivor benefits of the teacher's pension. GPO impacts...
Forum: Life after FIRE 08-27-2014, 01:10 AM
Replies: 65
Views: 4,021
Posted By youbet
+1. Nicely said.

+1. Nicely said.
Forum: Life after FIRE 08-27-2014, 12:52 AM
Replies: 65
Views: 4,021
Posted By youbet
SS? Pension? 4% WR?

SS? Pension? 4% WR?
Forum: FIRE and Money 08-27-2014, 12:30 AM
Replies: 90
Views: 5,918
Posted By youbet
Because your wife is impacted by GPO, it would be...

Because your wife is impacted by GPO, it would be to her benefit if you started SS at 62.
Forum: FIRE and Money 08-26-2014, 11:15 AM
Replies: 90
Views: 5,522
Posted By youbet
Many of us include taxes as a line item in...

Many of us include taxes as a line item in retirement spending........
Forum: FIRE and Money 08-26-2014, 11:03 AM
Replies: 73
Views: 2,166
Posted By youbet
What is the opportunity cost you're assigning to...

What is the opportunity cost you're assigning to the money tied up in your home? For example, if your home is valued at one million and you could invest conservatively at 3%, your annual opportunity...
Forum: FIRE and Money 08-25-2014, 04:48 PM
Replies: 73
Views: 2,166
Posted By youbet
How is your house an "ace in the hole" if you...

How is your house an "ace in the hole" if you need it? That is, if you're in a $200k home, how is that a better "ace in the hole" than if you had a portfolio of $200k TIP bonds? Or some other...
Forum: FIRE and Money 08-25-2014, 04:44 PM
Replies: 4
Views: 282
Posted By youbet
What do you mean by "risky?" Volitility? ...

What do you mean by "risky?"

Volitility?

Liklihood of meeting your long range investment goals over time?

Etc.

What are you looking for? Just saying "risky" doesn't cut it.
Forum: Other topics 08-25-2014, 04:38 PM
Replies: 20
Views: 1,094
Posted By youbet
:) Just as bad are those stuck on a...

:)

Just as bad are those stuck on a treadmill of medium income and medium spending.

Worse are medium income folks stuck on a treadmill of high spending!
Forum: Other topics 08-25-2014, 04:33 PM
Replies: 318
Views: 9,419
Posted By youbet
Here's my peeve for today..... An old one many...

Here's my peeve for today..... An old one many have bought up but I witnessed it just this morning and it irked me.....

Non-handicapped drivers pull into a handicapped space and wait while their...
Forum: FIRE and Money 08-25-2014, 04:05 PM
Replies: 73
Views: 2,166
Posted By youbet
So houses act like other investments in that...

So houses act like other investments in that supply and demand vary over time and investment outcomes aren't guaranteed to be positive?

Gee, who knew?

Confounding the housing investment...
Forum: FIRE and Money 08-25-2014, 03:51 PM
Replies: 73
Views: 2,166
Posted By youbet
While paying off a house over time can be a...

While paying off a house over time can be a useful form of forced savings, there can be downsides too. For example, many folks spend much more than they should on "living space" due to owning a good...
Forum: FIRE and Money 08-25-2014, 03:32 PM
Replies: 90
Views: 5,522
Posted By youbet
The important issue isn't so much the investment...

The important issue isn't so much the investment returns you assume but the inflation rate.

When testing for inflation, try not to use some average per year figure. Rather, use a high number...
Forum: FIRE and Money 08-19-2014, 05:47 PM
Replies: 21
Views: 1,359
Posted By youbet
A 65 yr old friend recently purchased a modest...

A 65 yr old friend recently purchased a modest condo in Fla. His only income is $15k SS and he had about $140k in an IRA. Pretty much nothing else. He lives on the $15k and a few kilobux/yr...
Forum: Other topics 08-19-2014, 05:32 PM
Replies: 25
Views: 848
Posted By youbet
Back in the day, with megawatts of power and...

Back in the day, with megawatts of power and antennas stretching across the horizon, Radio Moscow poured into targeted areas with such strength they could be heard on even the least sensitive...
Forum: Other topics 08-19-2014, 05:07 PM
Replies: 11
Views: 531
Posted By youbet
+1 to gauss' suggestion of looking at the Kelly...

+1 to gauss' suggestion of looking at the Kelly info. It's usually pretty good. Also, take it to a CarMax, if there is one nearby, and let them give you a quote.

Unfortunately, older "creampuffs"...
Forum: FIRE and Money 08-19-2014, 04:42 PM
Replies: 86
Views: 5,417
Posted By youbet
Wow... $5,000,000 is really conservative. Less...

Wow... $5,000,000 is really conservative. Less than a 2% WR.

The main reason I'm confident they'd be OK is that their budget, at $100k, is pretty high and their WR is well under 4%. If they do...
Forum: FIRE and Money 08-19-2014, 04:30 PM
Replies: 86
Views: 5,417
Posted By youbet
They're OK financially IMO. But that's a slightly...

They're OK financially IMO. But that's a slightly different question than whether they should "go for it" or not. You also can't count on a long, healthy life. If they are healthy and active now...
Forum: Life after FIRE 08-19-2014, 04:01 PM
Replies: 94
Views: 25,779
Posted By youbet
Fritz, From the 10,000 ft view, which...

Fritz,

From the 10,000 ft view, which mistake do you think you made?

1. Too little research before buying and you wound up with something you weren't expecting.

2. Enough research and...
Showing results 1 to 25 of 7526

 
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