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Forum: Hi, I am... Yesterday, 06:56 AM
Replies: 17
Views: 1,060
Posted By pb4uski
There is no such thing as a free lunch. Why...

There is no such thing as a free lunch.

Why 12 months? Are you going to need the money over the next 12 months?

If you want safety and your time horizon is only 12 months then the best you can...
Forum: FIRE and Money Yesterday, 06:27 AM
Replies: 7
Views: 555
Posted By pb4uski
I think the "twist" as ERD terms it is smart...

I think the "twist" as ERD terms it is smart because primary residence home mortgage rates are lower than mortgage rates on rental property. IOW, if you own both a home and a rental, it would be...
Forum: FIRE and Money Yesterday, 06:16 AM
Replies: 39
Views: 1,825
Posted By pb4uski
while I agree with what your wrote if the choice...

while I agree with what your wrote if the choice is using cash that is earning cash returns, I don't think that is the decision in most cases. It depends on whether your AA changes depending on...
Forum: Young Dreamers 05-23-2015, 07:00 PM
Replies: 34
Views: 786
Posted By pb4uski
I don't perceive the difference between a 35...

I don't perceive the difference between a 35 minute commute at your second choice and a 50 minute commute from your dream location to be sufficiently different to forgo your dream location. ...
Forum: FIRE and Money 05-22-2015, 09:35 AM
Replies: 24
Views: 776
Posted By pb4uski
Quicken definitely does.

Quicken definitely does.
Forum: Life after FIRE 05-22-2015, 09:34 AM
Replies: 17,329
Views: 873,859
Posted By pb4uski
You are much more diplomatic that I am. I would...

You are much more diplomatic that I am. I would have interrupted and corrected the complaining VP on every point to make him look like the ignorant a-hole in front of everyone ... diplomatically of...
Forum: FIRE and Money 05-22-2015, 09:25 AM
Replies: 24
Views: 776
Posted By pb4uski
I use Quicken Home & Business 2014. My entire...

I use Quicken Home & Business 2014. My entire balance sheet is on it and all of my credit card, bank and investment accounts are linked into it. I update balances a couple times a week, reconcile...
Forum: FIRE and Money 05-22-2015, 09:17 AM
Replies: 57
Views: 2,473
Posted By pb4uski
I had looked into this a while ago when Vanguard...

I had looked into this a while ago when Vanguard increased their foreign equity allocation from 30% to 40% of total equities for their target date funds. Their World fund, which proports to...
Forum: Other topics 05-22-2015, 09:04 AM
Replies: 60
Views: 1,759
Posted By pb4uski
It took me a while, but now I am quite...

It took me a while, but now I am quite comfortable just saying "I'm retired". I don't get a lot of follow-up questions so I'm not sure if I look old enough to be retired or if they just think that I...
Forum: FIRE and Money 05-21-2015, 05:53 PM
Replies: 10
Views: 440
Posted By pb4uski
+1 What is your purpose for buying whole life? ...

+1 What is your purpose for buying whole life? What do you expect it to do for you? What problems will it solve for you?

Most people only need life insurance for 20-30 years at the most and do...
Forum: Other topics 05-21-2015, 04:29 PM
Replies: 60
Views: 1,759
Posted By pb4uski
That is a lot better than one dealer I bought a...

That is a lot better than one dealer I bought a car from. After we had agreed on the price I told them that I wanted to pay for it by check (no lease, no financing) and they had to caucus to figure...
Forum: FIRE and Money 05-21-2015, 03:19 PM
Replies: 337
Views: 21,354
Posted By pb4uski
+1 I know of one couple with a 20 year age...

+1 I know of one couple with a 20 year age difference... that's the most I can think of for people that I know.

To pay benefits to kids under 18 of those receiving survivor or disability benefits...
Forum: Hi, I am... 05-21-2015, 02:54 PM
Replies: 16
Views: 2,028
Posted By pb4uski
Yes, change is hard and it is hard to step off...

Yes, change is hard and it is hard to step off the hamster wheel, especially if you are making big $$$.

Since you are set financially, perhaps downshift to a less stressful job using your skills.
Forum: FIRE and Money 05-21-2015, 02:46 PM
Replies: 10
Views: 440
Posted By pb4uski
I'm surprised to hear of someone marketing a...

I'm surprised to hear of someone marketing a non-par whole life policy but what you say sounds about right... fixed premium, schedule of guaranteed cash surrender values, etc.

I seem to recall...
Forum: FIRE and Money 05-21-2015, 06:40 AM
Replies: 39
Views: 1,825
Posted By pb4uski
True, but the savings are probably more like...

True, but the savings are probably more like $1,063 after taxes assuming a 15% marginal rate and itemized deductions exceeding the standard deduction.
Forum: FIRE and Money 05-20-2015, 10:47 AM
Replies: 12
Views: 1,526
Posted By pb4uski
Can you delay your pension? Mine is delayed and...

Can you delay your pension? Mine is delayed and growing each year and leaves headroom for Roth conversions since we have taxable account money to live on. Alternatively, if your employer allows...
Forum: Life after FIRE 05-20-2015, 07:06 AM
Replies: 43
Views: 1,580
Posted By pb4uski
2015 Subaru Impreza vs. 2015 Volkswagen Golf:...

2015 Subaru Impreza vs. 2015 Volkswagen Golf: Compare reviews, safety ratings, fuel economy, etc. (http://www.newcars.com/reviews/subaru-impreza-vs-volkswagen-golf-coupehatchback.html)
Forum: FIRE and Money 05-20-2015, 06:59 AM
Replies: 54
Views: 4,841
Posted By pb4uski
Once you file typically her retirement benefit...

Once you file typically her retirement benefit will increase to be 1/2 of your benefit. You don't say how old she is.

If you file at 62 and then die and she inherits your age 62 benefit but loses...
Forum: FIRE and Money 05-20-2015, 05:19 AM
Replies: 25
Views: 1,306
Posted By pb4uski
I would not do a SPIA as it will lock up your...

I would not do a SPIA as it will lock up your money and you will not have access to it if you need a lump sum for some reason.

I helped BIL's mom get out of an underperforming deferred annuity she...
Forum: FIRE and Money 05-20-2015, 05:04 AM
Replies: 12
Views: 1,526
Posted By pb4uski
+1 we have had many discussions on the tax...

+1 we have had many discussions on the tax torpedo and using roth conversions to avoid or minimize it.
Forum: Other topics 05-20-2015, 05:00 AM
Replies: 57
Views: 1,505
Posted By pb4uski
It seems to me that young adults have a tendency...

It seems to me that young adults have a tendency to be relatively liberal until they start working and making money and paying taxes, and then they become less liberal once they realize that...
Forum: Life after FIRE 05-20-2015, 04:55 AM
Replies: 91
Views: 2,602
Posted By pb4uski
I usually go to the dealership for oil changes...

I usually go to the dealership for oil changes and the "free" 29 point inspection. If they mention an item as needing fixing more than once, then I have my local independent garage fix it.
Forum: FIRE and Money 05-20-2015, 04:47 AM
Replies: 54
Views: 4,841
Posted By pb4uski
You indicate two exemptions, suggesting you are...

You indicate two exemptions, suggesting you are married filing jointly. How will you decision to claim SS at age 62 affect your wife's SS benefits? When will she claim and does her SS exceed 50% of...
Forum: FIRE and Money 05-20-2015, 04:22 AM
Replies: 17
Views: 949
Posted By pb4uski
I would increase my 401k to bring me back down to...

I would increase my 401k to bring me back down to the 15% tax bracket and then do taxable account (in equities). As long as you can stay in the 15% tax bracket your dividends and LTCG on your...
Forum: FIRE and Money 05-20-2015, 04:16 AM
Replies: 49
Views: 1,521
Posted By pb4uski
That would be a tough one for me. On one hand I...

That would be a tough one for me. On one hand I do value financial strength and good claim service but on the other hand we have very few claims... no homeowner's claims for the last 10-15 years,...
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