Join Early Retirement Today
Showing results 1 to 25 of 3173
Search took 0.12 seconds.
Search: Posts Made By: nun
Forum: Stock Picking (Individual Security Analysis) Yesterday, 07:14 AM
Replies: 31
Views: 911
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...
Forum: FIRE and Money 08-27-2014, 05:25 PM
Replies: 32
Views: 1,766
Posted By nun
I agree, for budgeting purposes I like to do...

I agree, for budgeting purposes I like to do withdrawals annually.
Forum: FIRE and Money 08-27-2014, 01:31 PM
Replies: 32
Views: 1,766
Posted By nun
I've just started spending my retirement funds. I...

I've just started spending my retirement funds. I began with 18 months of cash in my bank account and I'm spending that right now. I'm taking quarterly dividends and when I have 6 months of cash left...
Forum: FIRE and Money 08-25-2014, 01:38 PM
Replies: 73
Views: 2,141
Posted By nun
Home ownership with no mortgage is crucial to my...

Home ownership with no mortgage is crucial to my ER. Additionally my home is a two family and my tenant pays me $1200/month in rent. My home is also a nice diversifier for
my portfolio.
Forum: FIRE and Money 08-25-2014, 12:39 PM
Replies: 44
Views: 3,263
Posted By nun
+1, you only live once (unless your a Hindu or...

+1, you only live once (unless your a Hindu or Buddhist of course). If you have enough to retire I would not keep working for cumulative gains like a bit of extra pension.
Forum: FIRE and Money 08-25-2014, 11:05 AM
Replies: 24
Views: 993
Posted By nun
Before the ACA took effect MA had a similar plan...

Before the ACA took effect MA had a similar plan and the issue was always working out your income and the relevant insurance rates, if you went over the income limit by a dollar there was a premium...
Forum: FIRE and Money 08-24-2014, 11:12 AM
Replies: 4
Views: 498
Posted By nun
Yes it's a nice feeling. The $1200/month rent...

Yes it's a nice feeling. The $1200/month rent check from my tenants helps a lot. So far I'm still spending down the cash in my checking account.
Forum: FIRE and Money 08-24-2014, 10:59 AM
Replies: 4
Views: 498
Posted By nun
I'm doing a lot of cycling and I've lost some...

I'm doing a lot of cycling and I've lost some weight, so that's good. It's basically like one very long weekend. I have my eye out for some part time work.....I was offered something on a contracting...
Forum: Life after FIRE 08-24-2014, 08:52 AM
Replies: 65
Views: 3,891
Posted By nun
So much depends on where you live and you...

So much depends on where you live and you circumstances.

I'm single with no kids, so paying for college just isn't an issue.
I ride my bike most places so transportation isn't a big expense. I...
Forum: FIRE and Money 08-24-2014, 08:43 AM
Replies: 4
Views: 498
Posted By nun
So far so good.

Six months into ER. So far my spending is at a 1.8% annual withdrawal rate and my portfolio has grown by 3%. The spending rate is just as I'd budgeted even with a couple of unplanned trips to the UK....
Forum: FIRE and Money 07-23-2014, 06:58 PM
Replies: 29
Views: 3,018
Posted By nun
Most VAs are to be avoided, however, if you are...

Most VAs are to be avoided, however, if you are in TIAA-CREF for retirement saving all their funds are strictly speaking Variable Annuities. They have expense ratios that are around 0.4%...not great,...
Forum: FIRE and Money 07-22-2014, 04:54 PM
Replies: 43
Views: 3,944
Posted By nun
Very few on this board would even contemplate a...

Very few on this board would even contemplate a mutual fund with an 3.2% expense ratio.



Life Insurance and variable annuities are not popular on this site because of the high fees, lack of...
Forum: FIRE and Money 07-22-2014, 03:09 PM
Replies: 43
Views: 3,944
Posted By nun
Why would the OP need any sort of life insurance...

Why would the OP need any sort of life insurance policy? Far better to avoid all the fees and manage his own accounts. If he wants some guaranteed income an SPIA might be appropriate.
Forum: FIRE and Money 07-22-2014, 06:05 AM
Replies: 43
Views: 3,944
Posted By nun
Not all annuities are the same. An quality SPIA...

Not all annuities are the same. An quality SPIA might be appropriate for a portion of the OPs income needs.
Forum: FIRE and Money 07-21-2014, 02:08 PM
Replies: 43
Views: 3,944
Posted By nun
I'm 52 and 6 months into ER. I approached income...

I'm 52 and 6 months into ER. I approached income generation by simply moving $100k from equities into a stable value fund so that I wouldn't be forced I sell in a market down turn. So far I've just...
Forum: FIRE and Money 07-10-2014, 03:20 PM
Replies: 26
Views: 1,318
Posted By nun
The status of any US financial accounts will...

The status of any US financial accounts will depend on the policies of the companies you deal with.
Forum: FIRE and Money 07-09-2014, 05:49 PM
Replies: 26
Views: 1,318
Posted By nun
Tax treaties all read pretty much the...

Tax treaties all read pretty much the same...there's a lot of boiler plate language. The most important article is right at the front and has the "saving clause" which basically says that the treaty...
Forum: FIRE and Money 07-09-2014, 04:21 PM
Replies: 41
Views: 2,164
Posted By nun
With sensible planning it isn't that difficult to...

With sensible planning it isn't that difficult to negotiate the US and UK tax systems. Owning a UK stocks and shares ISA is one of the things to avoid if you are a US resident or citizen.

US...
Forum: FIRE and Money 07-09-2014, 03:24 PM
Replies: 26
Views: 1,318
Posted By nun
If you do have assets in the US and move abroad...

If you do have assets in the US and move abroad you should check if the financial firms where you hold your assets will allow you to keep and use the account with a foreign address. You should also...
Forum: FIRE and Money 07-09-2014, 02:00 PM
Replies: 26
Views: 1,318
Posted By nun
US citizens are taxed on their worldwide income...

US citizens are taxed on their worldwide income wherever they live. The IRS allows a certain amount of foreign earned income to be excluded from US taxation or credit to be taken for foreign taxes...
Forum: FIRE and Money 07-09-2014, 09:51 AM
Replies: 26
Views: 1,318
Posted By nun
If you are a long term permanent resident and...

If you are a long term permanent resident and exceed the exit tax threshold you will have to pay the exit tax if you expatriate, it doesn't matter where you have your money. The threshold is $2M net...
Forum: FIRE and Money 07-09-2014, 05:27 AM
Replies: 26
Views: 1,318
Posted By nun
You can avoid double taxation by applying the...

You can avoid double taxation by applying the Canada/US Tax Treaty.

You should look carefully at the CA residence/domicile rules. Keeping a house there might open you up to CA state tax as well.
...
Forum: Life after FIRE 07-03-2014, 07:12 AM
Replies: 16
Views: 1,191
Posted By nun
I'm 4 months into retirement......my net worth is...

I'm 4 months into retirement......my net worth is now 5% more than when I ERed and more importantly my after tax accounts have more in them even after taking out income. In today's market it's easy...
Forum: Life after FIRE 07-02-2014, 04:56 PM
Replies: 16
Views: 1,191
Posted By nun
Congratulations. It was a good time to retire, I...

Congratulations. It was a good time to retire, I hope the next five years see similar growth in the S&P500 as the past 5 years.
Forum: FIRE and Money 07-02-2014, 04:50 PM
Replies: 81
Views: 7,668
Posted By nun
Surely the question depends on your...

Surely the question depends on your income/budget. The percentage growth of any amount with the same AA will be the same, but the ratio of that growth to your annual income will be depend on your...
Showing results 1 to 25 of 3173

 
Forum Jump

 
All times are GMT -6. The time now is 01:30 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2014, vBulletin Solutions, Inc.

Early Retirement News right to your Email!

Stay up-to-date with all the latest news to your inbox!

unsusbcribe at anytime with one click

Close [X]