Recent content by tuixiu

Congratuations mathjak, another long-timer joins the club!

Depends. We knew we were going to sell our home when we retired to travel for awhile then become renters, so it made sense to include the value of the home in our net worth. When our SWR applied to net worth could support anticipated retirement expenses (which includes housing) we knew we'd...

Yep, better way to see AA impact on a portfolio's success rate is to get it as close to 99.99% success as possible, then start fiddling.

Whose bubble are you bursting? I didn't see anyone claiming it was impossible to increase wealth at that rate with a very high savings rate, I just saw some skepticism about the numbers in this particular blog. This dude has a graph showing the delta between (assuming gross) income and...

Headline number is based partly on whether someone is getting benefits? I've never heard of this, I thought headline number was U-3.

Nice job, enjoy your well deserved freedom!

Yep we going thru this right now too. Work insurance ended Jan 31, healthcare.gov says the event gives us until April 2 to sign up. However if you sign up after the middle of the month you wait an extra one, as in sign up March 15 you start ACA on April 1 but wait until St Patrick's Day and you...

Since everyone has different ideas of a minimally acceptable lifestyle it is hard to put a right or wrong answer on cost of living, but there are plenty of blogs from people who live fairly comfortable in Chiang Mai for far less than $4,4000 per month. I don't mean the $350/month studio slum...

Don't worry you aren't putting much of a damper on things because what you're saying isn't true. Your chance of running out of money is certainly higher pulling 4% for time frames longer than 30 years, but that isn't the same thing as "most likely depleted" at 30. Here is from firecalc for 30...

We have 67% in equities using a simple three way lazy portfolio. The approximate equality of the pie slices is very pleasing to the eyes.

I'd be intrigued with set-and-forget Wellesly/Wellington but for the better tax efficiency of roll your own across asset classes and taxable vs. tax deferred savings vehicles.

I've seen HDMI to RCA converters for about $20, but I agree with Cobra you might as well just spend $60 and get a Roku2 that is compatible with your older TV. Having two would be really nice not to have to fiddle with cables and plugs every time you wanted to switch TVs.

I guess it depends on "for years" means on horizon, and your opinion on the occasional debate over whether one needs more exposure to foreign equities or global nature of VTSAX is sufficient.

I've been trying to do the math on advantages of income low for subsidies vs. Roth conversions at various tiers for some time now. Too many unknowns to get anything concrete but definitely leaning towards the bird in the hand of subsidies.

I think Sling TV will really be a game changer because of ESPN. There are a lot of people I talk to who want to be cord cutters but the live sports is what kills the deal. With a combo of Sling and digital antenna they might be golden. We've found a Roku 3 with Netflix streaming + Amazon Prime...