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Being a cheapster, I prefer Vanguard. I do not want the sales pitch and thats about all you really get from Schwab, FIDO or Merril LYNCH. If one was smart enough to earn and manage their account to get to the Admiral level they can find the advice they want when they need it outside of the...

I applaud hilbilly and the rest of those that see a mortgage as in net liability no matter what one can attempt at financial arbitrage. Getting a banker (or loan shark) out of your chain of title is more important to me than working a spread against the mortage and the S&P and putting my home at...

It was soo hard to gain these licenses that I can understand why one would not easily give them up. I kept mine active, but know that eventually I will use the savings in annual bar dues to spend more time at the bar! 8)

NYET! ;D I would just buy a good international fund and avoid the country specific ones. They will buy individual positions such as Gazprom or Norilsk, which you can as well, but this is not easy stuff for the pros, and individual investors like myself and 99% of the folks on this board will go...

Here is my one second summation on these Corporate Droids with their "work hard and make us proud" BS: "The best tactic is to only work just so hard that you do not get fired, since the Company only pays you just enough to keep you from quiting." ::)

Twenty years ago...Hmmm? I would have listened more and spoke less, especially at work. I'm better at that now but there were times past when I should have simply said nothing and kept my peace. I would have read more classical literature. I read more now, and realize how much of the value in...

Read a couple of editions of Arizona Highways and I expect you might find a few small towns worth checking out. 8)

Hey, free4now, Tune in to http://patrick.net/wp/ You are both on the same thesis which is to cash out of the hyper inflated bay area market now, rent, and enjoy the cheap oppurtunity after the bubble bursts! You have figured this one out! ;D

From Texas Proud: "They have a computer that grades every return... you get a score and then the various offices looks at how many people they have, how many they can look at and pick the highest scoring exams..." Bingo, you get the prize cowboy! While my friends who practice tax law do not...

13.8 % with less than .73 beta (S&P500) 8) Thank you Vanguard!

Deesto: You Rock dude! 8) Use whatever education you have to leverge your time into money and buy back your life from the MAN!

When I worked I was a mining lawyer. The legal track I took was in mining and mineral ventures. I left Private Practice decades ago when I realized my income was tied to the number of hours I billed and not the value of the deals. Once I left the practice and focused on the business side the...

Perhaps you should be posting in the section "what women want"...or maybe not ::)

This is not to be used as tax or legal advise. It is being posted for entertainment purposes only. IMHO the IRS uses 'selective enforcement" as their way of compelling compliance. If you make less than 100K there is not much upside for them to put you through their compliance audit. It has...

When you close out the ML account, you may require a young Vanguard service rep. and an old one present to assit you. Be sure when you make the call they recite in harmony during the process ...."The spirit of Vanguard Compels you... The spirit of Vanguard compells you"... while they tear up old...

I get all my money advice from this gal: http://www.donotsleep.com/maria/photos.htm

You could also marry your girlfriend. That is an easy way to get permanant residency. ;D

Trek: Having traveled through Estonia, you picked a wonderful part of the world. I find that immigration issues are never resolved from one official to the next, and that no finacial institution is worthy of your trust. The best course, based on my experience, is to locate a family memeber...

Now What? Set up a web page and post daily photos of your ER actvity. Make sure to e-mail all your buds with the link. Stay in touch and still spend plenty of time doing things that you would have felt guilty doing with the ball and chain of a job. 8)

I follow my own advice. I typically have done well by it. Having international hedging means it takes several "confiscatory" political systems to evaporate all my assets. Typically this is low probability/high impact risk. Political risk mitigation is similar to Tax planning and is valid issue...

Confiscatory Socialists by any name are a true threat to those who responsibly saved and through personal effort have more than the 'less fortunate'. They gain power by reallocating the wealth of others to those who become their supporting political force. There is a real longer term asset...

The previous post was directly on point. All the finacial press is doing is marketing, presented as advice. Its all one big "infomercial" whether its print or electronic media. If one keeps a realistic and accurate budget, much of what we spend when working is making money to work, not working...

Meanwhile, there is always refuge in the great Mojave and Sonoran deserts. Buy a cheap trailer you can leave behind if you needed to. Find a place. Stay out of touch. Good staging area for ER. Just carve out a month and see how long you can stand the quiet. http://www.desertusa.com/park.html

I have lived in the southwest most of my adult life. I like to travel, so the AZ Desert heat is really just a reminder to hit the road for three months. I can travel two hours and be thirty degrees cooler in the north or keep on I 40 and had west to 101, ten head north and stop anywhere for a...

Taking retirement advice from the WSJ, Forbes, or any of the other house organs of the Institutional Money Complex is the fastest way to end up yet another Host for these Parasites. ER (at least for me) includes investing on your own. If you require hand holding, you are most likely to be taken...