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Forum: FIRE and Money Yesterday, 08:46 PM
Replies: 12
Views: 593
Posted By pb4uski
Money is fungible... the model would compute the...

Money is fungible... the model would compute the net cash flow for the year (expenses - cash income, like dividends) and then apply the return for that year to get the value at the end of the year. ...
Forum: Hi, I am... Yesterday, 08:41 PM
Replies: 17
Views: 1,227
Posted By pb4uski
Because it's our orange money for our...

Because it's our orange money for our retirement... haven't you seen the commercial?

I have not shared our NW with DW out of fear that I would get the exact same response.... too much HGTV. ...
Forum: FIRE and Money Yesterday, 08:34 PM
Replies: 17
Views: 1,059
Posted By pb4uski
I put my data in it and with a little finagling...

I put my data in it and with a little finagling for differences between the models, the results with and without Roth conversions to the top of the 15% tax bracket were pretty close to my DIY model. ...
Forum: Other topics Yesterday, 01:04 PM
Replies: 11
Views: 618
Posted By pb4uski
Where did I put that damn tape measure? :laugh:

Where did I put that damn tape measure? :laugh:
Forum: FIRE and Money Yesterday, 01:01 PM
Replies: 12
Views: 540
Posted By pb4uski
Call Vanguard. He may be able to transfer the...

Call Vanguard. He may be able to transfer the securities in his taxable account in-kind to a Vanguard Brokerage Services account which would not be a taxable event.

The IRA is easier since there...
Forum: Other topics Yesterday, 08:34 AM
Replies: 11
Views: 618
Posted By pb4uski
Combine No. 9 and No. 1.... Live long and...

Combine No. 9 and No. 1....

Live long and DON'T prosper.
Forum: Health and Early Retirement Yesterday, 08:24 AM
Replies: 6
Views: 293
Posted By pb4uski
Check out healthsherpa.com to start with, then go...

Check out healthsherpa.com to start with, then go to the exchange.
Forum: FIRE and Money Yesterday, 08:14 AM
Replies: 60
Views: 3,135
Posted By pb4uski
You must live right then. It has been a huge...

You must live right then. It has been a huge problem around here with boat engines, lawnmower engines, rototiller engines and all sorts of other small engines.
Forum: FIRE and Money Yesterday, 07:47 AM
Replies: 60
Views: 3,135
Posted By pb4uski
This is a common problem with small engines. ...

This is a common problem with small engines. Luckily, non-ethanol gas is reasonably available around here and that is all that I use for my small engines. While it costs a tad more, it is a...
Forum: Health and Early Retirement Yesterday, 07:33 AM
Replies: 28
Views: 415
Posted By pb4uski
Yes, it still makes sense to contribute to a HSA....

Yes, it still makes sense to contribute to a HSA. For this year, it will reduce your tax bill. For next year and beyond, it may reduce your tax bill depending on your tax situation and/or allow you...
Forum: Hi, I am... 04-26-2015, 10:35 PM
Replies: 21
Views: 1,366
Posted By pb4uski
Roth conversion would only be worthwhile if the...

Roth conversion would only be worthwhile if the tax rates on the conversion are lower than the tax rates that you would expect to pay if you don't convert and take withdrawals later.

It works good...
Forum: Life after FIRE 04-26-2015, 10:30 PM
Replies: 16,968
Views: 848,729
Posted By pb4uski
Rut-roh. That sounds like a thinly veiled w-word...

Rut-roh. That sounds like a thinly veiled w-word to me.
Forum: FIRE and Money 04-26-2015, 10:28 PM
Replies: 11
Views: 999
Posted By pb4uski
I think what you need to so is explain to your...

I think what you need to so is explain to your sister that you are concerned about her and her finances and you are willing to help her if she wants... and then leave it to her to come to you.

Or...
Forum: Other topics 04-26-2015, 10:12 PM
Replies: 91
Views: 2,100
Posted By pb4uski
I didn't see it but saw some of the promos. It...

I didn't see it but saw some of the promos. It is automatically recorded to my DVR but I doubt that I will watch it. I could care less. The guy is a bit of a freak but to each his own. I seem to...
Forum: FIRE and Money 04-26-2015, 01:16 PM
Replies: 26
Views: 1,712
Posted By pb4uski
+1 but if it happened we could tighten our belt...

+1 but if it happened we could tighten our belt on expenses, invoke my pension, or in a couple years, start SS earlier than we planned. As Teddy Kennedy would have said, I'll drive off that bridge...
Forum: FIRE and Money 04-26-2015, 01:07 PM
Replies: 60
Views: 3,135
Posted By pb4uski
I'm lucky in that I have a great small engines...

I'm lucky in that I have a great small engines mechanic about 10 minutes away... while I do the normal maintenance of changing oil, spark plugs, etc. if it is beyond my abilities (or interest in...
Forum: FIRE and Money 04-26-2015, 08:52 AM
Replies: 60
Views: 3,135
Posted By pb4uski
+1 my mantra is if it ain't broke, don't fix it. ...

+1 my mantra is if it ain't broke, don't fix it. On my mowers, I change the oil annually and spark plugs every other year and repair things when they break or look bad.
Forum: Life after FIRE 04-26-2015, 08:49 AM
Replies: 16,968
Views: 848,729
Posted By pb4uski
+1 We were camping in Canada a number of years...

+1 We were camping in Canada a number of years ago and a nasty storm swept through the area, resulting in a number of downed trees. A couple days later we heard that in another part of the park a...
Forum: Other topics 04-26-2015, 08:39 AM
Replies: 53
Views: 1,468
Posted By pb4uski
Jeff Foxworthy tells this joke: I...

Jeff Foxworthy tells this joke:



I don't floss and get the lecture from my hygienist every six months. Have not had any dental health issues as a result of not flossing... so far.

I'm a bit...
Forum: FIRE and Money 04-26-2015, 08:35 AM
Replies: 35
Views: 1,471
Posted By pb4uski
There are a couple different ways of looking at...

There are a couple different ways of looking at it.

I used to look at it as if I had numerous WRs: one when I retired at age 56, one when my pension starts (between when I retired and age 65),...
Forum: Hi, I am... 04-26-2015, 07:38 AM
Replies: 21
Views: 1,366
Posted By pb4uski
The 3% would apply to the entire $5.7 million,...

The 3% would apply to the entire $5.7 million, not just the taxable account. The "extra" withdrawals in the taxable account would be offset by the uninhibited growth of the tax-deferred account.
...
Forum: Hi, I am... 04-25-2015, 02:35 PM
Replies: 21
Views: 1,366
Posted By pb4uski
I would think of it this way. You have ~$6.0...

I would think of it this way. You have ~$6.0 million. Let's carve out $300k for college costs, so that is $5.7 million. You're young, so rather than a 4% WR use 3% WR. If you can live on $171k...
Forum: Other topics 04-25-2015, 02:19 PM
Replies: 111
Views: 3,100
Posted By pb4uski
Age: 59 years, 5 months Retired: 3 years, 4...

Age: 59 years, 5 months
Retired: 3 years, 4 months
Sex: M
Staus: Married - 33 years
Forum: FIRE and Money 04-25-2015, 09:06 AM
Replies: 12
Views: 593
Posted By pb4uski
My AA is no different today that is was in the...

My AA is no different today that is was in the last few years I worked and I expect to keep the same 60/40 split for a long time so my dividends will be no different other than the the extent that my...
Forum: Other topics 04-25-2015, 08:23 AM
Replies: 22
Views: 775
Posted By pb4uski
Regarding security, I never access any of my...

Regarding security, I never access any of my financial sites (bank accounts, investment accounts, credit card accounts, etc.) from an unsecured public Wifi access point and avoid accessing them from...
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