Search results

So in 2011 I posted this: In 2012: In 2013, I didn't post on the topic, but I'd have said 2017 still. Now in 2014, I'm back to my guess of 2016, and it's looking like that's about 90% to happen. Just two more years. It'll fly by, considering only two years left and this thread was started...

It's actually a fairly common thing - Denver is doing the same thing. Go Hawks!

One thing not discussed very much in this thread: the question in the title. That is, how do you assess the risk? You can get an 8% cash on cash return net of all expenses, management, etc.? Okay. That's an average, and doesn't take into account some years will be good, some will be much...

Math? It's apparently based on a 3.3% SWR. If they used a 4% SWR, you'd change that 30k to 25k.

Thanks for being up front about it. Some other sites that sold hid the fact and beat around the bush and let the site decline under the new management. I'm glad you found a buyer that seems to fit well, rather than a corporate one that just wants to suck it dry. Congrats!

Wouldn't then your current tax rate and expected tax rate at retirement mean it may be beneficial to do it one way or the other, and it'd only be a wash if the rates are the same? Purchasing them pretax would be better if you expect a lower tax rate in retirement...

Or OP proved it correct by not listening. :laugh:

Excellent point. And here's the thing about the stock market: it's ownership of businesses. If Gen Y doesn't invest as much, that just means you'll get those companies at cheaper valuations and your yield on cost will be higher. That's a good thing for an investor, not a bad thing, IMO.

I enjoyed the original quite a bit, but felt the sequel was very disorganized - he was just rambling and jumping between topics frequently. For someone who already was familiar with the topics, it was fine. I wouldn't recommend it to a beginner, unlike the original (which I would).

I'm planning to FIRE in my early 30s. I love my job. I enjoy going every day. But that doesn't mean I can't think of other things I want to do, try, and spend time on. By the time I FIRE, I will have been working for around a decade. That, to me, is plenty of time to do something, even...

I don't think there's a download limit, but a time limit. OP states they are free through Wed. June 5.

Here's an interesting XKCD What If? article about carrying around pennies in your car and picking them up. http://what-if.xkcd.com/22/ Read it. You'll find it interesting. :)

What an epic 1,000th post Hamlet. I particularly enjoyed: Thanks for the laugh.

"It is what it is." What a useless tautology that somehow became popular.

You shouldn't talk about yourself like that! ;) I definitely wouldn't pick up a penny. Probably not a nickel, maybe a dime. Those would depend on the circumstance. A quarter is the lowest denomination I can say I'd "definitely" pick up.

Congratulations on becoming partly (mostly? fully?) FI to be able to weather that circumstance. How many people in the last few years were laid off and were one paycheck away from not being able to pay their bills when it happened? Despite how some may not have liked the way you presented...

I believe, from context, they meant "Gen Y" being 10-30.

It seems disingenuous to me to claim that those bloggers do it for the money when the two examples given are donating all profits to charity (Nords with military charities and all profits from MMM's meetup going to an Ecuador charity as well as him refusing to take even a basic speaking fee so...

I don't know what conclusions you can draw from that, as I bet if you surveyed just those people, they would have more in deferred accounts in general, so of course they'd also tend to have more pssst... in those type of accounts...

I have the opposite response, personally. Every major company, and the government, has been breached, and will be. Google. Yahoo. Microsoft. Sony. If you use the Internet, it happens. Evernote's response was ideal, IMO, resetting everyone's passwords and immediately alerting their...

For me, the two are interchangeable. I don't really understand when people say a computer is indispensable to them, but they don't "get" smart phones. They are the same thing! My smart phone is a computer. I'd rather give up my laptop than smartphone because I do all the same things on them...

MMM's forum average age is probably 20 years younger than here.. It's like the young dreamers section of these forums, but a whole forum like that. It's inspiring if you're that age, probably a bit tiresome if you aren't. The median savings rate over there is about 50% though, as many save...

I've seen him around the net recently (but he did post about some issues with his ISP), and I believe he's doing fine. His latest blog post was two days ago.

The comments over there and the comments over here do provide a stark contrast.

This discussion, for example, has some thoughts on the topic: MMM Discussion Thread on Savings Rate [mod edit] I personally do this: I only asked in this thread because I've hung out a lot on the ERE forums and MMM forums, and the population tends to be quite a bit younger (20s and 30s) and...