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  1. FIREmenow

    Warren Buffett on "time"

    Maybe this is old hat - just saw it recently:
  2. FIREmenow

    Projecting investment inflation vs. SS increases

    I did some, granted rudimentary, searching and didn't see anything related to this. In your forecast projections for after retirement, do you assume the increases year-over-year in social security is the same % as the inflation rate eating away at your investments/income? Seems firecalc uses...
  3. FIREmenow

    Would you volunteer for this?

    http://www.techrepublic.com/article/three-square-market-becomes-first-us-company-to-offer-implanted-microchips-to-all-employees/ I think it's coming regardless. I can't see much of a downside, though, when compared to the advantages for fraud prevention, convenience, etc.
  4. FIREmenow

    Now *THIS* is how you pack for vacation!

    Police Stop Dangerously Overpacked Minivan | NECN
  5. FIREmenow

    Minority partner exit strategy

    Hello! I am a minority partner (~10%) in a small company. When I retire, (<2yrs away :dance::dance:), I anticipate the remainder of the partners "clawing back" my shares. I actually prefer this, just to be "done" with everything, so that is not an issue. The value of those shares will...
  6. FIREmenow

    Robotic Elder Care

    It's coming - fast. Should significantly reduce costs for LTC. Will you embrace it? Will it be ready when YOU need it? I'm all-in. I tend to trust silicon over people and am not especially socially "needy". I think there will be (some) useful services for me by the time I need them.
  7. FIREmenow

    Billionaires' 2016 Profits

    From a "news" story. Not sure how accurate the numbers are, but anyway: 2016 Profits Warren Buffet - $12.4 billion on $74.4B NW Bill Gates - $9.3 billion on $91.1B NW Harold Hamm - $8.4 billion Good year for the big boys.....
  8. FIREmenow

    Voting

    I voted! [mod note - image removed]
  9. FIREmenow

    Timing the market and elections

    NO POLITICS!! Listening to some financial talking heads this weekend, and they were discussing that no matter who wins, there will be some sort of perturbation in the market that would eventually go the opposite way longer term. Sounded interesting. I'm not a market-timer, tho. As an aside...
  10. FIREmenow

    Just saw these pop up online...

    [Ignore the source website if you have "issues" with it - the photo links actually go back to pbs.xxxx.com somewhere....]
  11. FIREmenow

    Where is your shop?

    So I am wrestling with the "shop" problem. I have always had a garage/shop. I am a do-er. I make things, I fix things, I build small boats. When we retire, NOTHING about owning a house makes sense to me. We plan to travel, and maybe be somewhere else for 2-3 months a year pretty regularly...
  12. FIREmenow

    So I'm passing through our software engineering group......

    We are a very small engineering services company. I was passing through the 8-cubicle section of our "shoebox" where our software engineers work, and I catch only a portion of a sentence from an ongoing discussion that says, ".....and they were classifying organisms based on how their...
  13. FIREmenow

    It's not about the nail.....

    This is making the rounds a w&rk again -- hadn't seen it in a year or so. I usually don't promote sending videos around, but I just think it is so weird, funny, brilliantly produced, and spot on. Anyone seen it before?
  14. FIREmenow

    Back above the trend-line!!

  15. FIREmenow

    Line IPO

    Interesting how the Line IPO is probably getting a *HUGE* boost in value riding on top of the current market rally. I wonder if that is ever anticipated - or dare I say even planned for - during IPO kick-offs, either positively or negatively. Or are the planning phases so far out it doesn't...
  16. FIREmenow

    Mega Roth Conversions?

    Hi all, I'm about 2 years away from the starting line. For these last years, I am/will be stashing the equivalent of 2-3 years of budget into a cash account to use as living expenses at the beginning. All other investments are taxable brokerage, tIRA and 401K (no Roths) This means that I...
  17. FIREmenow

    Adult

  18. FIREmenow

    Poll:Care to share a bit?

    I've been reading here quite a while. I will be retiring in about 2-3 years at 58. I have a very detailed spending budget and have run Fido RIP (107) and Firecalc (100%) using our planned savings, small pension, and 75% of what SSI says we will receive. However, I get the impression that my...
  19. FIREmenow

    What do you do for "funny money"?

    So all of your "basic needs" are planned for -- including the unexpected costs of new roof, fridge, etc. They all fit perfectly in your 3-4% withdrawal scheme, etc. and you have a 99% chance of survival according to FIRECalc. You're retired now. What do you do for "funny money"? You know...
  20. FIREmenow

    Getting close - switch to saving cash?

    Within about 2-2.5 years from quitting. Any reason not to take the 50% of income that we've been piling into investments and start saving it as cash instead for the remainder of the work time? This would serve to build up the ~2yrs of cash needed to have on hand to live on and prevent...
  21. FIREmenow

    Too many scenarios!!!! Help!

    My DW and I are planning on calling it quits in about 3-5yrs. We are 52 and 55, respectively now. Each of us has a pension, and we each have great (for us) 401K amounts, nearly equal in all cases. I am saying this to indicate that neither of us has to worry about "leaving something" for the...
  22. FIREmenow

    Interesting discussion with an FA yesterday.....

    It was quite refreshing - I wasn't looking for an FA, and he wasn't looking for new business. We just talked (imagine that?) Anyway, he said he has been toying with a strategy that has to do with market volatility and asset allocation. He didn't share every last detail (I wouldn't have...
  23. FIREmenow

    Should I skip the 401K?

    I am targeting retirement in 3 years. Barring a catastrophe, this should work out fine. I will have a 4yr bridge to gap before 62, and(obviously) 9 years if I want to wait until 67 for SS. But only 2 years from that point till I am 59 1/2. My company just started a 401K plan (was a Simple...
  24. FIREmenow

    So I guess I accidentally fired my FA yesterday....

    I had some suspicions all year that my 60/40 portfolio was under performing as I was monitoring my account balances. I decided to wait until the end of year report to see if I was missing something important that would explain. We have only been a client for a year, and have had very good and...
  25. FIREmenow

    SS forecasting questions

    We are about 5 years away from FIRE at 50/53. For those of you planning to check out in the next 5-10 years - how are you treating SS for forecasting/planning purposes? Are you assuming it will all be there as the SSA web site says? For the duration (could be 50 years for us)? Is this...
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