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  1. e86s54

    Canadian Home Owners in AZ questions

    All, I'm looking at buying a small house/Condo/Townhouse/PatioHome in Arizona. One of the main reason to buy is our dog (Retriever size). It seems that when you have more than a lap dog, the rental market shrinks to nothing (even if you dog is extremely well behaved). We are Canadians and my...
  2. e86s54

    High Value House with No Appreciation Prospects

    So we (DW & I) own our home outright and its worth about $750k (about 25% of our NW). My perceived problem is that historically, houses in the area do not appreciate much, if at all. We live in this house and area for other reasons and won't likely move anytime soon. But we do plan on...
  3. e86s54

    What To Do With House Equity?

    We are in our late 40s, semi retired with one kid in college and another in high school. Our home is paid off and we have a Line Of Credit on it of over $500,000 with zero borrowed. This house accounts for about 30% of our net worth. The community we are in is very stable but without much...
  4. e86s54

    New Diet Rule...nothing out of a box.

    Seen and read a few articles on misleading packaging and it turns out everything is misleading. But what my DW found to be interesting is that they all come out of a box. So we have now gone on a lower carbs nothing out of a box diet. If we have orange juice, we squeeze it fresh, make our own...
  5. e86s54

    Venice & Barcelona Trip

    All, Going to be spending 4 days in Venice and 5 Days in Barcelona with the Kids (16 & 19) at the Beginning of May as part of a family vacation. We have the Travel books and my daughter has been to Venice, but any suggestions of favorite activities or place to see or eat that are not in the...
  6. e86s54

    South Florida/Keys 6 Day Trip...Ideas, Places to Eat and Stay.

    All, Looking to take a 5 or 6 day trip in South Florida/Keys. Likely gonna fly into Miami or Ft-Lauderdale, rent a convertible, visit Miami area and keys. That's all I got planned so far and open to ideas. Thanks in advance! E86S54
  7. e86s54

    How I Established my Net Worth WITH my House in it

    I know, another discussion on net worth and the house...should it be included or not? Funny I started reading posts about this (on this and other pages) and still could not get an answer I felt comfortable with. So this is what I've done and soliciting comments on it. First, my mortgage free...
  8. e86s54

    What ER means to me.

    All, After only about 3 months of ER (I'm 47), I'm slowly discovering what ER really means to me. To me ER means not being rushed. I absolutely hate been rushed from one place or thing to another. I enjoy the ability to change direction at any time and do whatever pops up (or nothing at...
  9. e86s54

    What I Did on my 1st day of ER!

    Got up at 8am (kinda as usual). Beautiful hot sunny day...passed on yoga with my wife and had my coffee on the deck with my dog. He sits there every morning and quietly watches the river. He was very happy and surprised that I joined him. I then joined my daughter to watch her equestrian...
  10. e86s54

    Why I think RVing Sucks.

    OK, sucks is a little strong. I have been considering RVing in retirement. Can get an RV relatively cheap these days as rich retires turn them over quickly and the market overall here is for buyers with $. For example, $100K can get a really nice diesel pusher with all the good options and...
  11. e86s54

    House Value & Firecalc

    All, Sorry if this question has been posted before, but I haven't been able to find it in 10 minutes, so here goes. When determining what number to plug into the portfolio section, should it only be savings (i.e. cash, stocks, bonds, etc)? Or do you plug in a variation of your net worth? My...
  12. e86s54

    What I have Discovered while Planning ER

    Over the past 10 years or so, I have started to think about ER. I am now 47 and ER is now possible. However I can't help but think back and reflect on what the reality of it is. Here are my thoughts. First, about 10 years ago I unexpectedly become a multimillionaire during the tech bubble...
  13. e86s54

    What would Mega Corp Do If I Just Stopped Going To Work?

    This idea had not even crossed my mind, but a few people I know suggested it. Here's the scenario, I have worked for Mega Corp for 13 years (since its inception), moving to middle management and getting great performance evaluations every year (one but a few weeks ago) and reaching all...
  14. e86s54

    Great Life and ER related Quote

    Sorry if it's been posted already. ""Security is mostly a superstition. It does not exist in nature nor do the children of man, as a whole, experience it. Avoiding danger is no safer in the long run than outright exposure. Life is either a daring adventure or nothing." Helen Keller E86S54
  15. e86s54

    A Second Vacation Home a Good Thing?

    OK, I know this has been discussed many times, but I would like to take a different slant on the subject based on what is in the back of my brain. I know the cons, managing 2 homes for costs, worry, etc, but then again so are kids and I can't imagine my life without them. So I feel you get...
  16. e86s54

    Life without Cable and Still get all the TV & Movies you want.

    All, Over the past year I have been noticing an interesting pattern in my household. It seems my teenage kids are more interested in watching what they want streaming off the internet or downloaded torrent files of entire seasons of their favorite shows or recently released (usually to DVD...
  17. e86s54

    "Canadian Only" Subgroup or Topics

    As a Canadian, our retirement needs are somewhat different (like health care & finance rules). Much of what I'm reading is more American based and so some of the calculations or comments don't fully or accurately apply. Would it not make sense to have a Canadian sub-forum? Thanks! E86S54
  18. e86s54

    Hi from Ontario. I'm lost and not use to that feeling.

    Hi all, I'm a mid-40's Canadian, happily married, two great teenage kids and my life (part 1) has been great. I feel I have been lucky and done well. My finances are in good shape and I now am faced with the very real possibility of retiring very soon (within a year) or Life Part 2 as I refer...
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