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Forum: FIRE and Money 11-21-2014, 10:45 PM
Replies: 253
Views: 23,487
Posted By youbet
No, it's just descriptive statistics at work.

No, it's just descriptive statistics at work.
Forum: FIRE and Money 11-20-2014, 02:25 PM
Replies: 13
Views: 699
Posted By youbet
chercar..... Are you looking for an answer as to...

chercar..... Are you looking for an answer as to how WEP will impact your SS? Or are you looking for a politically charged discussion as to whether the current WEP rules are "fair," make sense,...
Forum: FIRE Related Political Topics 11-20-2014, 12:10 PM
Replies: 9
Views: 409
Posted By youbet
Yes. I think you're over-thinking this....

Yes. I think you're over-thinking this. Non-gov't employees do not get gov't pensions. Don't over-complicate it. Private school teacher - no gov't pension. Mechanic who is employed by a private firm...
Forum: FIRE and Money 11-16-2014, 09:49 AM
Replies: 71
Views: 3,820
Posted By youbet
OK! We made the "$40 challenge" happen last night...

OK! We made the "$40 challenge" happen last night and had a great time!

Here's what we did:

1. Won tickets (face value $55 each) to see now-very-mature folkie Judy Collins at a great venue...
Forum: FIRE and Money 11-15-2014, 02:24 PM
Replies: 71
Views: 3,820
Posted By youbet
I can't think of anyplace in my region of the...

I can't think of anyplace in my region of the Chicago burbs where DW and I could go out and have a nice bottle of wine plus two enjoyable entrees plus tip for $40.

A BYO restaurant would help as...
Forum: FIRE and Money 11-15-2014, 11:27 AM
Replies: 253
Views: 23,487
Posted By youbet
I'm not sure what other members will have to say,...

I'm not sure what other members will have to say, but in my case I'm not tricked a bit by this. I think its pretty intuitive. If you were struggling with this, as apparently you were, your work with...
Forum: FIRE and Money 11-14-2014, 05:31 PM
Replies: 133
Views: 10,362
Posted By youbet
These polls frequently leave out what assumption...

These polls frequently leave out what assumption should be made regarding family size which makes the data not-so-good. At our house, we spend close to double what either of us would spend alone. I...
Forum: FIRE and Money 11-14-2014, 04:21 PM
Replies: 253
Views: 23,487
Posted By youbet
+1. Well said. IMO, there is NO tool,...

+1. Well said.

IMO, there is NO tool, calculator, back-tester, predictor or whatever that I would sign up to follow without alteration throughout FIRE. They all do what they do but have no...
Forum: FIRE and Money 11-14-2014, 04:08 PM
Replies: 253
Views: 23,487
Posted By youbet
Used it for what?

Used it for what?
Forum: Other topics 11-13-2014, 11:15 PM
Replies: 43
Views: 1,619
Posted By youbet
Great! It does seem like this seller was...

Great!

It does seem like this seller was more of a dufus/newbie than a scammer. Time to move on.........
Forum: FIRE and Money 11-12-2014, 06:30 PM
Replies: 46
Views: 2,152
Posted By youbet
We spend nothing, not a penny, on entertainment. ...

We spend nothing, not a penny, on entertainment. Yet we enjoy live music, plays, movies, dining out, pro sporting events, cable TV, Internet, video games, taking the grand kids to various...
Forum: FIRE and Money 11-12-2014, 06:16 PM
Replies: 57
Views: 3,275
Posted By youbet
+1 It's one of my favorite things to...

+1


It's one of my favorite things to observe...... so very interesting.
Forum: FIRE and Money 11-07-2014, 03:09 AM
Replies: 25
Views: 1,296
Posted By youbet
Bad choice on your part Hyper. Why do you choose...

Bad choice on your part Hyper. Why do you choose to work for poorly managed companies? It's important to carefully research employers before signing on and to be willing to move on if you...
Forum: FIRE and Money 11-03-2014, 12:14 AM
Replies: 85
Views: 4,910
Posted By youbet
+1 I spent some time last year assisting my...

+1

I spent some time last year assisting my elderly MIL in defaulting on her reverse mortgage (covered in another thread). BIL and I spent a few bux for legal advise and determined that the...
Forum: Other topics 11-02-2014, 10:39 PM
Replies: 427
Views: 9,573
Posted By youbet
Yes. I understand that Manning is winning the...

Yes. I understand that Manning is winning the real game of endorsement and commercial money! It's the entertainment biz and $$$ is the real score!
Forum: FIRE and Money 11-02-2014, 10:25 PM
Replies: 85
Views: 4,910
Posted By youbet
I take it a step further. I think the lenders...

I take it a step further. I think the lenders should always pursue contractually available remedies whenever a default occurs as long as the likely outcome would yield more than it costs to pursue...
Forum: FIRE and Money 11-02-2014, 09:58 PM
Replies: 85
Views: 4,910
Posted By youbet
I agree. The contract is the contract. What I...

I agree. The contract is the contract. What I find hilarious is when defaulters whine over being denied their next loan due to the default being on their record. Or when their tears flow because a...
Forum: Health and Early Retirement 11-02-2014, 12:09 PM
Replies: 43
Views: 1,023
Posted By youbet
Some posters on this site have made a compelling...

Some posters on this site have made a compelling argument that the time you really need LTCI is when you're younger. If you had a totally disabling stroke today, what would your DW's finances look...
Forum: Health and Early Retirement 11-02-2014, 11:43 AM
Replies: 43
Views: 1,023
Posted By youbet
If you would like this thread to cover some new...

If you would like this thread to cover some new ground, why not give us some detail of your personal circumstances so we can comment on actions you might take?

There is no one right way for...
Forum: Health and Early Retirement 11-02-2014, 11:25 AM
Replies: 43
Views: 1,023
Posted By youbet
Few people are sure Kauai......... For most, it's...

Few people are sure Kauai......... For most, it's just a guess at what course will work out best for them and the eventual results may or may not be what they expected.

There are recent threads...
Forum: Health and Early Retirement 11-02-2014, 11:17 AM
Replies: 43
Views: 1,023
Posted By youbet
Paying premiums for LTCI can wipe out big chunks...

Paying premiums for LTCI can wipe out big chunks of our lifetime savings and anything that we want to pass on to our kids as inheritance. It's well known that the public, on average, will pay more...
Forum: Other topics 11-02-2014, 09:44 AM
Replies: 57
Views: 1,400
Posted By youbet
Yeah, I've heard that. We've been with the same...

Yeah, I've heard that. We've been with the same insurance company for many years (decades actually) but do comparison shop if our rates change. My agent would let me know if I was being...
Forum: FIRE and Money 11-02-2014, 09:31 AM
Replies: 11
Views: 929
Posted By youbet
I get tagged with AMT most years. I don't like...

I get tagged with AMT most years. I don't like it, I try to do the basic, simple stuff to keep my fed taxes as low as possible (with little success), but the important thing is to live our lives for...
Forum: Other topics 11-02-2014, 09:18 AM
Replies: 57
Views: 1,400
Posted By youbet
I know what my credit score is. I'm not...

I know what my credit score is. I'm not particularly concerned. At 67 and FIRE'd for over 8 years, the chances of me participating in a transaction which is dependent on my credit score are pretty...
Forum: FIRE and Money 11-02-2014, 08:54 AM
Replies: 85
Views: 4,910
Posted By youbet
This is a great link. Thanks MichaelB! What...

This is a great link. Thanks MichaelB!

What I learned from reading it is that "recourse" is not a black and white thing. It's more complicated than "recourse" or "non-recourse." Some states...
Showing results 1 to 25 of 7594

 
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