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$29.95

Congrats, DW's and my er date is June 29th also. You got me thinking about what my work has meant to me over the last 30 years or so. I ran a paving business for about 18 years. I would work 7 days a week for about 8 months a year. I would take a break for a while on Sundays and DW and I...

Privatize education and there would probably be enough money saved to fund health care;D

(this is stargazer08 using DH's account) Sqeeeee, no need to be a potty mouth:( Hmmm, well I for one know how much tax I pay, how much is taken from my paycheck for my health insurance and how much I pay when I go to the doctors office. What I have NO idea of is how much it will cost me to...

I went to Catholic schools and was slapped by teachers 3 times. 2 of them I probably deserved and 1 I didn't.

#1 DW and I will be ER in 37 days. I am a project manager for a paving co. I ran my own co. for 18 years before selling. DW is an analytical chemist for a major pharma. #2 I am 47 and DW is 44 #3 Married. 2 DD's #4 Both grew up in Northern suburbs of Chicago. Will be ERing in...

Thanks for the responses. I have been allowing 10k per year for health care expenses, now we will have an extra 5k to spend (or not spend). 37 days left to ER. Things just seem to keep falling in place. The road leading to our retirement home is gravel and about 3 miles long, very bumpy and...

DW and I are ERing at the end of June. I am 47 DW is 44. I feel wealthy now. When we would decide to buy a new vehicle or other large ticket item we pay for it in cash and not give it a second thought. When we ER, we will be on something of a fixed budget so I don't know how I will feel. This...

My daughter recently got several quotes for new siding, very good quality windows, gutters, soffits and fascias for a 1400 s.f house. The quotes were all within a few thousand of 26k. She lives in Northern IL which is a fairly expensive area. Sometime contractors will throw out a high bid when...

jIMOh Sorry, I should have been more clear, we need about 20k to 25k from our IRA's each year and the balance from our taxable account. Right now we have only 185k in stocks(ALD,GE,JNJ,KMP,KMR,MRKand PG). The yield is around 4% now. I expect about 200k within 60 days and another 200k when...

Makes sense. We think of the land as a cushion that we can use if needed. I'm kind of thinking that we should have the same balance in taxable and non taxable accounts also. I am 47 and DW is 44. I am planing to use the 72(t) rule to withdraw money from our ira's. Right now, we have 2 non...

ats5g, The problem is that my taxable account is almost all individual stocks and they are mostly large cap value. In fact my current AA isn't even close to the 40/40/20 that I want. I will probably slowly get to my target AA in the first year of ER. ronc

Chinaco, We have about 15k worth of timber that we may harvest later this year. After that, we are checking into entering the DNR's forestry management program. This would freeze our taxes for 10 years(currently less than $100.00/year). I am not sure how it would affect future harvesting. There...

clifp We have some Mutual funds and ETF's. In our taxable accounts we have VGHCX (41k) and VISVX (26k). In our IRA's, EEM (21k), VIEIX (162k), DODBX (53k). I agree with what your saying about fixed income in IRA's, but when we have to liquidate a certain amount each year, it will be difficult...

LOL! Thanks for the response. The current distributions are approx. 8k/year. But that brings up another issue we have. Currently our portfolio ( both taxable and non taxable) is approx. 80% individual stocks. I want to eventually be in mutual funds or ETF's. I want a portfolio that's not too...

DW and I will be FIREing in about 7 weeks. We have approx. $1.4M in investments. Approx. 800k in IRA's and a 401K. And & 600k in a taxable brokerage account. We need approx. 50k/year. If our AA is 40% US stocks, 40% International stocks and 20% cash and bonds, do we need to have identical...

DW and I are about 7 weeks from early retirement. If we opt for an HSA , do we include the $5000.00 we plan to contribute each year? According to eheathinsurance, our yearly premium would be approx. $2000.00 for a $5200.00 deductible plan. I am allowing another $2000.00/year for health costs...

I'm not sure how unemployment insurance works in Canada, but I don't think your plan would work in the US. Unless you are in construction or some other seasonal or cyclical job, it would be difficult to collect. If getting "laid off" means quiting, the company can, and probably will challenge...

From MMM "How do you fall in love with a machine? It is just a car, it goes from point "A" to point "B"." I feel sorry for anyone who has never fallen in love with a car. So far for me it's been:( in order of ownership) 1970 Pontiac LeMans, 1971 Pontiac LeMans, 1978 Trans Am, 197? Ford...

2Cor521 I've thought the same thing about my Realtor. I've considered having a friend call them about the property and see how they respond. The company I work for (paving) has done work for them for over 10 years and they have always seemed to be honest people, thats why I choose to list with...

Texas Proud Thanks for the response.We have approx. 5 acres of land. Its not on the corner, however it is on a busy 4 lane road. There is still some commercial growth in the area and the City we live in is very eager to get commercial development in the area, that's why it was so easy to get the...

aenlighten, thanks for the response. We're allowing about 225k for the new house. We are planning no more than 1600 s.f. with a full walkout basement. This should hopefully be more than enough. We are planning on living in the trailer house (16'x 72') for at least 1 year before we build. I have...

I posted a similar question on the "Hi I am" board, but this board may be more appropriate. I am 47 and my DW if 45. Using FireCalc, it appears we have enough investments to retire now. Our retirement property is about 400 miles from our current residence. The problem is that our current...

OK I apologize for my lack of skills. I do hit the reply button, but it sends me to a sign in page and after I sign in, I go to the start page. I am using Firefox, could this be the problem?

I did! (give me a little credit :)) It takes me to the log in page and after I log in it goes to the forum start page. Maybe I'm doing something wrong.