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  1. M

    Health Insurance Premiums in LLC

    Wanted to share with the forum that I found a couple of interesting things as we're working with a broker to purchase private health insurance: 1. It's an option in our state (UT) to buy a "group" plan if you're an LLC with more than two managers. The plans look very similar to individual...
  2. M

    ER forum app crashing this morning

    I have the same phone, and the same problem.
  3. M

    Son in vo-tech for welding. College?

    I have hired very skilled technical labor (in software) for over 20 years. While that technical work requires a degree, I have found over time that people with the combination of technical skills and a liberal (like humanities, not liberal politically) education bring outsized value in a field...
  4. M

    current favorite youtube channel

    "great canal journeys" An octagenarian English couple cruising on canal boats mostly in Europe, but also all over the world. It's a British television show (channel 4 I think) but lots of the content is on YouTube.
  5. M

    Special dive trip for 60th birthday?

    Spent some time in the Abacos, Bahamas a few years ago, and the most beautiful coral heads I've ever seen were off of the Eastern Cays there.
  6. M

    Update to: Another "Can I retire yet" post

    The years are starting to whip by quickly. Update on our ER situation: I'd consider us FI at the moment, but plan to work at least through Summer to fully fund employer savings plans. Net worth currently $5.7M: $4.9M in retirement portfolio (including real estate investment equity) AA is...
  7. M

    Locking in gains for home downpayment

    IMO, this is more of an asset allocation issue than a market timing question. The advice in the previous replies is sound for funding what you want to do.
  8. M

    Does your Home Price factor into your portfolio risk?

    +1. It should count in your net worth since someday you might cash out and do something with the proceeds, but it's not part of your investment portfolio until it provides a source of income. If you were to airBnB a portion of it, I could see maybe getting creative and considering that portion...
  9. M

    Winter Surf Destination

    Awesome story! Glad your experience was better. I'll do Alamo next time we're down there. Our ordeal was with a local brand can't remember who they were.
  10. M

    Yet another OMYer

    Congrats!
  11. M

    Yet another OMYer

    @geeky_grrl - Did you achieve escape velocity? I'm in a similar compensation / age / portfolio situation, and am trying to gather success stories :^).
  12. M

    Winter Surf Destination

    Watch out for that. We had a $~6/day reservation for a car in Guanacaste (close to the airport) last year, and it was a bait and switch. When we arrived at the car rental place the rental fee was indeed super cheap, but all of the other fees totaled up to $50+/day. I'm a pretty relaxed person...
  13. M

    Update to: Another "Can I retire yet" post

    Thanks guys. Sakowtzm- Unfortunately in my current role part time isn't an option. A lot of what we get paid for is outsized commitment. The prospect of leaving and doing something that takes less commitment is certainly there, but I would need to take the leap. With the comp the way it is for...
  14. M

    Rental Real Estate Surprises

    We do nightly rentals in a couple of tourist destinations that we visit regularly, and generate healthy cash flow using VRBO and local cleaning services, but otherwise managing them ourselves. We also do long term rentals in 3 single family homes, any of which we'd be happy to live in. We only...
  15. M

    Update to: Another "Can I retire yet" post

    Wanted to provide an update to my post from last year at http://www.early-retirement.org/forums/f28/another-can-i-retire-yet-post-80774.html. Tried to reply to the original thread, but it was too old :^). I ended up sticking around at megacorp, and intend to stick around for another year...
  16. M

    ACA, Subsidies and Better off Americans (which means many FIRE)

    *ding ding ding ding - winner, winner chicken dinner.* This is critical if we ever want to see a normalization in the price of healthcare.
  17. M

    Summer living in a ski town

    We live in Utah and bought a condo in Park City during the real estate downturn a few years back. Given the low principal we have on it we earn a pretty good return after expenses with just the winter rentals. Occasionally we'll get a summer renter for a few weeks or a few months (at much lower...
  18. M

    Kit Car

    I've done a couple of cobras from different manufacturer's kits. They were both very rewarding experiences. Much easier than building an old car up....my guess based on your handle is that you've done that a time or two. My Dad's retired and does restorations, I couldn't find the time or...
  19. M

    Schwab retirement consultation

    I did one with the local Schwab advisor a few months ago. Didn't expect to learn anything I didn't already know, was looking for another perspective on early retirement and a strategy discussion on how to think about paying off first home. It wasn't a total waste of time, and wasn't a hard sell...
  20. M

    Rental agency in USVI's

    If you haven't already, you might want to reach out to the owners at a VRBO property you like, some will negotiate monthly rates even if the listing doesn't indicate it. We own a couple of places that we market through VRBO and do this regularly.
  21. M

    22yo seeking career advice (any actuaries here?)

    I'll attempt to amplify the advice of a few of the posters on the board; with an econ degree, I'd figure out how to use a couple of data tools, and start looking into roles in data science. I run a SaaS analytics software portfolio for a megacorp that sells to megacorps, (fortune 500, with a...
  22. M

    Another "Can I Retire Yet" Post

    Another way for me to invert the problem is to consider how I'd feel if I were fired (like let go from work, not FIREd ;^)) Would I feel good about that, or bad? I've mused for a few years that I'd be really happy in that event. Maybe that's telling. I was downsized (after earning out after an...
  23. M

    Another "Can I Retire Yet" Post

    This is the *very heart* of the problem. Your perspective in this post is really helpful, and gives me a different way to look at it. Thank you.
  24. M

    Another "Can I Retire Yet" Post

    Man, you've got a point....I've been thinking a lot about the prospect of working full time another 4-6 years. I could add materially to my portfolio by then, but my kids will be in their mid-late teens. Currently, after tax, my income adds ~9% to my NW annually. Deferred comp is helping that a...
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