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Search: Posts Made By: nun
Forum: FIRE and Money Today, 11:55 AM
Replies: 33
Views: 1,454
Posted By nun
I retired as soon as I hit 10 years of service...

I retired as soon as I hit 10 years of service and vested in both the pension plan and retiree health benefits. That happened last March so I've been able to enjoy the summer. Accrued vacation time...
Forum: FIRE and Money Today, 10:31 AM
Replies: 9
Views: 299
Posted By nun
I retired earlier this year at age 52. About half...

I retired earlier this year at age 52. About half my income comes from rent and back in the day I would have used a 5 year CD ladder to provide the rest topping it up from equity gains in good times....
Forum: FIRE and Money Yesterday, 02:50 PM
Replies: 100
Views: 3,938
Posted By nun
That's what I found too. My employers plan is...

That's what I found too. My employers plan is pretty rich....no deductibles etc and to get that level of coverage on the ACA I would have been paying a $800/month and even with the ACA subsidy I...
Forum: FIRE and Money Yesterday, 01:10 PM
Replies: 100
Views: 3,938
Posted By nun
I went back and forth over the choice. I'm...

I went back and forth over the choice. I'm healthy and my healthcare costs are just my premiums...... apart from the dentist where the insurance just paid for 50% of a crown I needed. If I wasn't...
Forum: FIRE and Money Yesterday, 09:10 AM
Replies: 100
Views: 3,938
Posted By nun
My options when I stopped working at a state...

My options when I stopped working at a state university at 53 were to go on ACA and pay $200/month for a high deductible plan or stay with my cadillac state plan and pay the full premium of...
Forum: FIRE and Money Yesterday, 08:26 AM
Replies: 100
Views: 3,938
Posted By nun
I get a plan from my ex-state employer. Medical...

I get a plan from my ex-state employer. Medical and dental premiums are $463 per month for me as single 53 year old deferred retiree. The plan has no-deductible except the first $250 of tests. As I...
Forum: Stock Picking (Individual Security Analysis) 09-10-2014, 05:13 PM
Replies: 67
Views: 2,349
Posted By nun
I haven't been watching the interaction between...

I haven't been watching the interaction between the markets as S&P500 hit 2000. While most people and reality show that 2000 should really not mean anything, it is apparent that it means something...
Forum: FIRE and Money 09-10-2014, 10:36 AM
Replies: 33
Views: 1,581
Posted By nun
I get $100 out of my account each week to spend...

I get $100 out of my account each week to spend on food, travel and entertainment. I usually spend money every other day and my weekly budget is working out like this

2 x $20 at the supermarket =...
Forum: Stock Picking (Individual Security Analysis) 09-10-2014, 10:25 AM
Replies: 67
Views: 2,349
Posted By nun
My stock percentage hit 65% a couple of weeks ago...

My stock percentage hit 65% a couple of weeks ago so I transferred 5% to my stable value fund to get back to my 60% equities AA goal. Whichever way the stock and bond markets go I'll rebalance back...
Forum: FIRE and Money 09-04-2014, 04:15 PM
Replies: 107
Views: 9,488
Posted By nun
I'd consider dividends and capital gains as just...

I'd consider dividends and capital gains as just regular income that would be taxed at your marginal income tax rate.
Forum: FIRE and Money 09-04-2014, 04:13 PM
Replies: 107
Views: 9,488
Posted By nun
I'm rich by the article's criteria of earned...

I'm rich by the article's criteria of earned income and net worth, but I can't identify with the people on the yacht and if you were you use my annual spending of $36k you might consider me something...
Forum: Other topics 09-04-2014, 03:48 PM
Replies: 153
Views: 8,982
Posted By nun
Yep, when I look back on things my ex and I were...

Yep, when I look back on things my ex and I were lucky....or maybe just sensible.

We had no kids, that made things easier as we could make a clean break. I think we both wanted to come out of the...
Forum: FIRE and Money 09-04-2014, 03:40 PM
Replies: 25
Views: 1,539
Posted By nun
For full disclosure my Mum lived in the UK. ...

For full disclosure my Mum lived in the UK.

It's true that things in the house are considered part of the estate and the solicitor told me and my brothers that doing valuations of furniture etc is...
Forum: Other topics 09-04-2014, 12:49 PM
Replies: 153
Views: 8,982
Posted By nun
I can't take all the praise, my ex must share in...

I can't take all the praise, my ex must share in making the divorce as painless as possible.
Forum: Other topics 09-04-2014, 12:48 PM
Replies: 153
Views: 8,982
Posted By nun
Doing something physical is a great for both your...

Doing something physical is a great for both your mind and body. After my divorce I took up cycling and cycle touring. It's developed into a passion and I've ridden lots of miles in different...
Forum: Other topics 09-04-2014, 12:04 PM
Replies: 153
Views: 8,982
Posted By nun
Take it very, very slowly. It's easy to be...

Take it very, very slowly. It's easy to be vulnerable coming out of a divorce. Start socializing with friends, join some clubs, begin some new hobbies.
Forum: Other topics 09-04-2014, 11:47 AM
Replies: 153
Views: 8,982
Posted By nun
I divorced 20 years ago and although it was...

I divorced 20 years ago and although it was emotionally difficult, financially and practically it couldn't have gone better. A big reason for that that was a Separation Agreement that we both signed...
Forum: FIRE and Money 09-04-2014, 11:22 AM
Replies: 25
Views: 1,539
Posted By nun
My Mum passed away 6 months ago. The solicitors...

My Mum passed away 6 months ago. The solicitors are the executors of the estate so myself and my brothers haven't had to do very much at all after the initial meeting to go over the will, my Mum's...
Forum: Stock Picking (Individual Security Analysis) 09-03-2014, 03:48 PM
Replies: 54
Views: 2,678
Posted By nun
This is just asset allocation. Going into ER I...

This is just asset allocation. Going into ER I became more conservative with my fixed income. I think it's important to have enough in vehicles that preserve principal for you to ride out severe...
Forum: Young Dreamers 09-03-2014, 02:00 PM
Replies: 18
Views: 2,900
Posted By nun
The reply from the provider sounds like an old,...

The reply from the provider sounds like an old, bad joke to me....front end fees or back end fees, Class A vs Class C etc in a 403b...how can financial firms get away with these things anymore. There...
Forum: Stock Picking (Individual Security Analysis) 09-01-2014, 05:13 PM
Replies: 54
Views: 2,678
Posted By nun
You can use the stable value fund in a 401k as a...

You can use the stable value fund in a 401k as a place to park cash and as an alternative to, or compliment to, CDs, savings accounts and I-Bonds. Right now I have 17% of my portfolio in my 457...
Forum: Stock Picking (Individual Security Analysis) 09-01-2014, 11:52 AM
Replies: 54
Views: 2,678
Posted By nun
If you have access to a stable value fund in your...

If you have access to a stable value fund in your retirement accounts it makes an excellent alternative to CDs and I-Bonds.

Stable value funds preserve principal, give competitive interest rates...
Forum: FIRE and Money 09-01-2014, 10:16 AM
Replies: 57
Views: 3,974
Posted By nun
Current retirees are the last of the pension...

Current retirees are the last of the pension generations. Those retiring now and in the future will increasingly only have SS and their 401k etc investments to live on. The only groups that still...
Forum: FIRE and Money 09-01-2014, 10:08 AM
Replies: 57
Views: 3,974
Posted By nun
I read the article about the ratio between income...

I read the article about the ratio between income and expenditure and my take was that if people need to have this explained to them we are in deep, deep trouble. It's up there for uselessness with...
Forum: Stock Picking (Individual Security Analysis) 08-31-2014, 07:14 AM
Replies: 54
Views: 2,678
Posted By nun
When I ERed I got a bit more conservative in my...

When I ERed I got a bit more conservative in my fixed income and I was looking at I-Bonds as a place to stash money as a buffer against a market down turn. However, I have a stable value fund in my...
Showing results 1 to 25 of 3197

 
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