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Old Admin 06-26-2002 04:21 PM

The Retire Early Home Page
 
The "mother lode" of early retirement information is at the Retire Early Home Page.

How many already-ER's out there, besides myself, achieved early retirement because of Intercst's super website?

arrete 10-10-2002 04:17 AM

Re: The Retire Early Home Page
 
Intercst's REHP was definitely instramental in pushing me into retirement. I had read "Your Money or Your Life", and found the concept of figuring out what you really were earning a frightening idea. So I did the budget thing - for years, whether I was spending in dollars or krona.

Then I found "Cashing in on the American Dream" by Paul Terhorst. It was starting to seem possible, but both these books had very conservative investment advice. If I had taken it (1) I never would have gotten a big enough nest egg and (2) my husband would have had me locked up. He comes from a long line of equity investors.

In desperation, I searched the internet on the phrase retire early - and this was waaay before Google. The only thing that came up was intercst's page. I could play with numbers! Equities were OK - fine, even. Lots of studies and statistics and spreadsheets (I love Excel). My only idiocy was I kept looking at 4% of my after tax accounts. Definitely not enough. My husband finally told me to add in my retirement accounts and see if I could make it on less than 5% (pretty close to intercst's number and he was tired of my whining) - I could make it on 3%! Sold! - I was retired within 2 months.

So, intercst may have not been the initial impetus, but he sure was the catlyst that pushed me into retirement.

And it is a rainy Thursday - and I get to stay home, away from traffic accidents.

So, thanks, intercst. And thanks Dory for providing a place to babble.

arrete

dory36 10-13-2002 04:55 PM

Re: The Retire Early Home Page
 
Thanks for the bio, Arrette.

I discovered the REHP (which led me to my own early retirement) completely by accident.

I had many of the same bad assumptions that others have reported, and was expecting to work for years longer.

A co-worker celebrated his 50th birthday, and the folks at the office papered his office door with "getting old" stuff -- AARP membership forms, webpage printouts on elder care, and so forth. One co-worker taped up a printout of the REHP she had discovered in a search merely for this purpose.

I saw that, and looked at the site out of curiosity. *As a result, I retired YEARS before I would have otherwise! Had I not seen that piece of paper. posted on a door as a gag, I'd still be there slogging it out every day...

Dory36

MRGALT2U 01-05-2003 11:57 PM

Re: The Retire Early Home Page
 
Hello my friends! I was already thinking about how
to exit early when I read Paul Terhorst's book. So,
he didn't give me the idea but he surely gave me a push.
I found the REHP much later. All good stuff! It's interesting to think how many people could do this but
don't. Of course, as everyone reading this knows, it takes a lot of planning/work. I never did anything that yielded better overall results, or that
was timed better in terms of where I was in my life.
It was right for me. Just wish I had seen that a few years
earlier.

ShokWaveRider 06-25-2003 08:52 AM

Re: The Retire Early Home Page
 
What really helped me to retire early was the "Millionaire Next Door" In Fact I could have wrote it. I have always been like that since I was 25 with one exception. Life is to be enjoyed and as with all of these types of books, They are extremes. I do like a nice car, (my only vise) and I do not buy sub standard items just because they are cheap. I save for the good ones, and simply am not an impulse buyer (That alone will save you a million over a life time if not more).

My favorite line in the whole book is "I am my own charity". Do you folks have any favorites you would like to share?

Ian

MRGALT2U 06-25-2003 12:44 PM

Re: The Retire Early Home Page
 
I have not read the book. However, "I am my own charity" is pretty good.

I have a couple of rules that I live by, but one that applies to REs is "If you fail to plan, you are planning to fail."

BigMoneyJim 07-13-2003 07:01 PM

Re: The Retire Early Home Page
 
Quote:

What really helped me to retire early was the "Millionaire Next Door" In Fact I could have wrote it. I have always been like that since I was 25 with one exception. Life is to be enjoyed and as with all of these types of books, They are extremes. I do like a nice car, (my only vise) and I do not buy sub standard items just because they are cheap. I save for the good ones, and simply am not an impulse buyer (That alone will save you a million over a life time if not more).
I started thinking about early retirement after finding the REHP message board on The Motley Fool (now subscription-based, so I'm here now) and then reading Intercst's REHP site. It was part of a financial self-education I started while out of work about 3 years ago. I read The Millionaire Next Door and found it intriguing, too.

I agree with you about extremes. Somewhere along the way I read an example similar to this: You can buy generic cola and ultra cheap beer, but if you insist on Coca-Cola and Heineken just include that in your plans.

BUM 02-16-2005 04:37 AM

Re: The Retire Early Home Page
 
I've been "on board" for about a year. Lurking a bit longer. Back in 2003 I was faced with the decision to reinvest in my business or let it wind down. Reinvestment would have been a 5 year committment. After running Firecalc and reading the posts, I concluded 5 minutes was too long to stay locked inside my hamster wheel!

THANKS to everyone connected with this great endeavor.

BUM

Eagle43 02-16-2005 05:53 AM

Re: The Retire Early Home Page
 
I didn't retire early, but I got here as soon as I could. Now the goal is to outlive the bastards. :) ;D

JOhn Galt 02-16-2005 06:04 AM

Re: The Retire Early Home Page
 
Hello Eagle..............

Non Illegitimi Carborundum

JG

Eagle43 02-16-2005 06:10 AM

Re: The Retire Early Home Page
 
Bum,
I love the hamster wheel reference. T'is appropriate. :) I used to envision a giant anthill, with each of us employees running to and fro, carrying our mound of earth. Not really a good metaphor, though, because the anthill has a purpose.

BUM 03-04-2005 02:52 AM

Re: The Retire Early Home Page
 
Quote:

Bum,
I love the hamster wheel reference. T'is appropriate. :) I used to envision a giant anthill, with each of us employees running to and fro, carrying our mound of earth. Not really a good metaphor, though, because the anthill has a purpose.

Eagle43,

I used to have a cute little GIF file of that mythological whatisname who was doomed to push a huge boulder up a hill. When he got it to the top it would roll down and the process would start anew.

Thankfully the job I ERed from was not like that. But from the many posts here one can see the toll, (depression) that repetition or on another thread "sameness", can take on ones spirit.
This negative experience takes huge bites out of lives. I dont know how to respond to those who lament "Yeah, but I only have ten more YEARS to go."

BUM

JOhn Galt 03-04-2005 02:58 AM

Re: The Retire Early Home Page
 
Hi BUM. I'm with you. I don't know how to respond either. Pity I guess. It's so sad that even I just keep my mouth shut. A most rare event when I hold a
strong opinion :)

JG

Helen 04-16-2005 04:56 PM

Re: The Retire Early Home Page
 
Quote:

Hi BUM. *I'm with you. *I don't know how to respond either. *Pity I guess. *It's so sad that even I just keep my mouth shut. *A most rare event when I hold a
strong opinion * :)

JG
Well you don't need to respond, but that is pretty much me. I have 8 years to go. I don't hate my job but I would much rather be retired. I also can't think of another field that I would rather do over computers, it's just that I am tired of the routine and would much rather have control over my time.

My job allows me to park a lot of money away annually. I will be able to pay my mortgage off this year. I get a month vacation per year and in 3 years I will go up to 5 weeks vacation. In eight years I will be able to retire at age 56 with a reduced Gov't pension, health bennies for life and about a $20k+ per year travel budget. Weeeeee !!!

I think it would be stupid for me to bail out now as I would have to work somewhere and it would mean I would have to work longer than 8 years. The sad truth is that I can not retire until I have enough money socked away to live on - and I'm not there yet.

All I have to do to RE is keep doing what I'm doing now and try to maximize the enjoyment I get out of life. It's not that bad, it will just be better I think once I leave my worklife behind.

-helen

MRGALT2U 04-16-2005 05:09 PM

Re: The Retire Early Home Page
 
Hello Helen. These are very difficult decisions for most
people. I am a kind of freak in that I just up and quit,
figuring I would work out the details later. I have learned almost no one else does it that way, nor should they. However, one thing that has helped me over the years is:
"Most of the things we worry about never happen."
That has certainly been true in my case.

Good luck.

JG

Helen 04-16-2005 11:01 PM

Re: The Retire Early Home Page
 
Quote:

Helen
IF you think it would be stupid to bail - then it probably would be... There is alot to be said for delayed gratification... With any luck maybe a site closure or downsizing initiative will lead to an early out offer for you...

Stay the course -- semi-retirement = semi-working -- and that sounds entirely too disfunctional.
GD-ER,

Yes, an early out would be nice, but doubtful. I think the demographics are such that they will probably start offering retention bonus' about the time I get ready to pull the plug.

It's not just the money, but as we all know, the health bennies are a biggie. I had a brain aneurysm that I had to deal with a few years ago which gives me a pre-existing condition. I doubt anyone would offer me a solo plan.

I had always been healthy before the aneurysm and had no symptoms. I went in for a MRI for a hearing loss and there she was - yikes ! Totally unrelated to the hearing loss.

Anyway I opted to have an endovascular coiling; they went in through an artery in my leg and snaked up to my brain and put a platinum coil inside the aneurysm. One stitch and 24 hours in ICU for observation and that was it !!!! But wow, the bills that Blue Cross picked up - Yikes again !!!!

So, I'm stuck for now at the daily grind, but the end is in sight. And, it is really fun to have a goal and to see that I am on track to meet the goal.

Bye for now,

-helen

MRGALT2U 04-17-2005 01:32 AM

Re: The Retire Early Home Page
 
Hello Helen. Just a quick observation. I have a whole "laundry list" of health problems. Most
showed up after retirement. This (fear of inevitable
health decline) was a major reason I quit working.
Irony for sure.

JG

Helen 04-17-2005 07:47 AM

Re: The Retire Early Home Page
 
Quote:

Hello Helen. *Just a quick observation. *I have a whole "laundry list" of health problems. *Most
showed up after retirement. *This (fear of inevitable
health decline) was a major reason I quit working.
Irony for sure.

JG
Yes, I feel the irony too. The brain aneurysm woke me up to the fact that I may not make it to age 96 like my Father. However, I can't pull the plug until the variables are within striking range.

Glad everything is working out for you !

-helen

razztazz 04-17-2005 09:20 AM

Re: The Retire Early Home Page
 
Quote:

on Today at 5:32am, MRGALT2U wrote:Hello Helen. Just a quick observation. I have a whole "laundry list" of health problems. Most
showed up after retirement. This (fear of inevitable
health decline) was a major reason I quit working.
Irony for sure.

________________
Yes, I feel the irony too. The brain aneurysm woke me up to the fact that I may not make it to age 96 like my Father. However, I can't pull the plug until the variables are within striking range.

Glad everything is working out for you !

-helen
I'm in basically the same boat. I retired at 38 and worried only abourt living to 100. Almost emideatley my health started going downhill BUT in my case the additional irony was that going to the doctor and following the protocol for "high cholesterol" (there is some early onset heart disease in the family so I figured it was worth treating) caused most of my problems. Non-reversable adverse drug reactions.

Now I have to consider that I will not live very long but still cannot follow a policy of spending like there's no tomorrow because I just don't KNOW how many tomorrow's I have. Maybe I will live to 90 after all.

It's always something! Well, at least I don't have to go to work every day.

Helen 04-17-2005 09:43 AM

Re: The Retire Early Home Page
 
Quote:


I'm in basically the same boat. *I retired at 38 and worried only abourt living to 100. Almost emideatley my health started going downhill BUT in my case the additional irony was that going to the doctor and following the protocol for "high cholesterol" (there is some early onset heart disease in the family so I figured it was worth treating) *caused most of my problems. Non-reversable adverse drug reactions.
to work every day.
Razz,

Man, that sucks big time. You were trying to do the right thing and take care of yourself.

I am really interested in hearing more if you don't mind. I found out six months ago that my total cholesterol is around 293, but my good cholesterol is really high so my ratios are good. My doctor doesn't agree that the ratios make the numbers OK and wants me to go on a high cholesterol drug.

Do you mind sharing what drugs you were on and what impact it has had ?

Thank you !

-helen

razztazz 04-17-2005 02:26 PM

Re: The Retire Early Home Page
 
Quote:

Razz,

Man, that sucks big time. You were trying to do the right thing and take care of yourself.

I am really interested in hearing more if you don't mind. I found out six months ago that my total cholesterol is around 293, but my good cholesterol is really high so my ratios are good. My doctor doesn't agree that the ratios make the numbers OK and wants me to go on a high cholesterol drug.

Do you mind sharing what drugs you were on and what impact it has had ?

Thank you ! -helen

I was on Lipitor when it was a new drug. I was a guinea pig for the drug company. And my cholesterol wasn't all THAT high to begin with but hey, we're supposed to trust they doctor right?

They want to take one blood test as proof you need to be on medictaion forever and then require that you have your blood tested every 2 to 3 months forever. NOT to check your cholesterol but to make suree the drug isn't killing you via muscle wasting or liver destruction. But they will insist you must take teh drug or "risk" a heart atack or stroke. Then you ask them directly OK, so what are MY chances of a H/A or stroke with and without the drugs and they can't tell you. They might say your chances are X% higher trhan average but then they cannot tell you what the average person's chances are.

Anyway... the side effects of the statin were almost everything listed on the box except cancer and rhabdomyelisis. I will be on medication forever to counter act the effects of having my metabolism fried...AND the ill effects that are concomitant with frying one's metabolism. Osteoporosis, weight gain, and last year serious breathing problems that fortunately turned out to NOT be heart problems.

I was also hit with permanent ADRs from an antibiotic. Peripheral neuropathy mostly. (pain and numbness in my feet and legs. Squelched my exercise routine.

Of course all these effects were misdiagnosed for at least 3 yrs as all new diseases that "just happened" because I was "getting older" (I was 41) And along with this crap it cost me hundreds of thousands of dollars in boigus tests for conditions I didn't have but the dr wished I had and for theneeded tests that showed the conditions I DID have. And I will now have to spend 100,000 bucks for medication if I live to 80 and that's a guess. Who knows what iflation will do

Now, of course I DO have insurance but A) that isn't going to give me my health back and B) Even tho I really didnt pay for all that out of my own pocket the dr was shaking the money tree apparently without regard to my health. The only new disease we discovered was "Cholesterol Neurosis" on the part of Doctors

If the Dr wants to put you on drugs for "cholesterol" get the percentages he's worried about and get data on your arteries, They will refuse to get it. Because: 1) The test , cardiac catheterization, is hazardous, and 2) In most cases it will eliminate the need for drugs because it will show nice clear arteries.

parnass 04-17-2005 02:53 PM

Re: The Retire Early Home Page
 
Quote:

I was on Lipitor when it was a new drug....
If the Dr wants to put you on drugs for "cholesterol" get the percentages he's worried about and get data on your arteries, They will refuse to get it. Because: 1) The test , cardiac catheterization, is hazardous, and 2) In most cases it will eliminate the need for drugs because it will show nice clear arteries.
The drug companies must be doing a hard of sell cholesterol reducing drugs. Our family doctor was.

He prescribed them for my father-in-law, who was taking an expensive cholesterol reducer up until he died -- of lung cancer.

When my annual blood test showed higher than normal cholesterol, the doctor suggested the same drug. Instead of taking medication, I reduced my consumption of beef and cheese and started walking daily. My cholesterol levels have been in the normal range ever since.

razztazz 04-17-2005 03:16 PM

Re: The Retire Early Home Page
 
Quote:

He prescribed them for my father-in-law, who was taking an expensive cholesterol reducer up until he died -- of lung cancer.

When my annual blood test showed higher than normal cholesterol, the doctor suggested the same drug. Instead of taking medication, I reduced my consumption of beef and cheese and started walking daily. My cholesterol levels have been in the normal range ever since.
Exactly! In my case however the LDLs (bad cholesterol) is still uncomfortably high even for me BUT the NIH heart atatck risk assessor says I only have a 4% chance of a HA in the next 10 yrs. I am 47 So like what should I worry about exactly?
My current Dr insistats that my cholesterol should be below 100. Well the recent report he cited was addressing ONLY high risk patients specifically denoted as : older, with heart failure, already had a heart attack oir bypass operation. NOT, healthy 40ish people. He still insisted and refused to ackowlegde that I was right about the report. And they wonder why some people go postal!

As far as your father-in-law... how can they be sure his lung cancer wasn't caused by the Lipitor? MAybe he was a smoker. That's just playing perentages tho, not proof

Statins cause cancer. It's in the lab data. THAT is why you need to have the liver tests done every 3 months. But if somebody gets cancer while on statins... hey man anybody can get cancer. Lots of people NOT on statins get cancer. That is how they defraud and deceive.

MRGALT2U 04-17-2005 03:18 PM

Re: The Retire Early Home Page
 
Man this is interesting! My cholesterol was off the chart.
Can't take the typical meds as my liver function is screwed up (probably all those manhattans) :)
Anyway, I went on the "wab" diet as suggested by our dear friend wabmester, and so I ate MORE meat and MORE cheese, but no juices, soda, bread, pasta,
rice, potatoes and cut back on sugar. Shazamm,
dropped my cholesterol 54 points in 6 weeks. About 2 months ago I had a heart scan just for grins. It looked good. Also, my last blood test said my cholesterol
related risk was just average. No family history of heart
disease or stroke. Bottom line, I am feeling pretty good
about this problem, which frees me up to worry about other stuff :)

JG

MRGALT2U 04-17-2005 04:19 PM

Re: The Retire Early Home Page
 
Hello GD-ER. I was told to do all sorts of things and take all sorts of tests. I had abnormalities, anomalies,
weird symptoms. As is my custom I ignored just about
everything (except the Wabmester diet which DW thinks is
pretty funny). Anyway, the heart scan was my idea.
Non-invasive, quick, not too pricey. That nuclear
stress test scared the hell out of me. I knew I was not
having that one.

JG

razztazz 04-17-2005 04:56 PM

Re: The Retire Early Home Page
 
Reposted for spelling:

Quote:

Quote:Bottom line, I am feeling pretty good
about this problem, which frees me up to worry about other stuff
Exactly. I dont worry about heart crap anymore. Unfortunately the side effects from the medications have attentuated my overall quality of life so I don't enjoy anything as much as I should. But, yes, I can direct my attention everything else now.

Quote:

That nuclear stress test scared the hell out of me. I knew I was not having that one. JG
Nothing to be scared of. In fact it's one of the best tests short of a cardiac catheterization or autopsy. 1000% better than a regular treadmill test and infinity times better than a meaningless blood test which doesn't really even address your arteries or heart. It's just a statistical inference that sells pills.

My heart, the one the dr was so sure was gonna have an attack, was clear a bell. Even the cardiologist was impressed. Now, if my old man had had a test like that at the same age (43, the same age he had his first HA) do you really think he'd have looked as clear? Not likley.

I'm not really anti-medical establishment but let's face it , some tests ARE wortyh taking. Some just are not.




Helen 04-17-2005 06:59 PM

Re: The Retire Early Home Page
 
Quote:



I was on Lipitor when it was a new drug. I was a *guinea pig for the drug company. And my cholesterol wasn't all THAT high to begin with but hey, we're supposed to trust they doctor right?

They want to take one blood test as proof you need to be on medictaion forever and then require that you have your blood tested every 2 to 3 months forever. NOT to check your cholesterol but to make suree the drug isn't killing you via muscle wasting or liver destruction. *But they will insist you must take teh drug or "risk" a heart atack or stroke. *Then you ask them directly OK, so what are MY chances of a H/A or stroke with and without the drugs and they can't tell you. They might say your chances are X% higher trhan average but then they cannot tell you what the average person's chances are.

Anyway... the side effects of the statin were almost everything listed on the box except cancer and rhabdomyelisis. I will be on medication forever to counter act the effects of having my metabolism fried...AND the ill effects that are concomitant with frying one's metabolism. Osteoporosis, weight gain, and last year serious breathing problems that fortunately turned out to NOT be heart problems.

I was also hit with permanent ADRs from an antibiotic. *Peripheral neuropathy mostly. (pain and numbness in my feet and legs. Squelched my exercise routine.

Of course all these effects were misdiagnosed for at least 3 yrs as all new diseases that "just happened" because I was "getting older" (I was 41) *And along with this crap it cost me hundreds of thousands of dollars in boigus tests for conditions I didn't have but the dr wished I had and for theneeded tests that showed the conditions I DID have. *And I will now have to spend 100,000 bucks for medication if I live to *80 and that's a guess. Who knows what iflation will do

Now, of course I DO have insurance but A) that isn't going to give me my health back and *B) Even tho I really didnt pay for all that out of my own pocket the dr was shaking the money tree apparently without regard to my health. *The only new disease we discovered was "Cholesterol Neurosis" on the part of Doctors

If the *Dr wants to put you on drugs for "cholesterol" get the percentages he's worried about and get data on your arteries, They will refuse to get it. Because: *1) The test , cardiac catheterization, *is hazardous, *and 2) In most cases it will eliminate the need for drugs because it will show nice clear arteries.
Wow, I'd be pissed. I'm really sorry to hear about the damage the drugs caused you.

I agree with you they are pushing these statins like they are candy. I do think it's the pressure from the drug companies that is behind this push.

My ratios look good, I have really low blood pressure, there is no history of heart diease in my family and I have had a healthy diet for years. I am going to refuse to go on the meds.

Here's a link to a high cholesterol message board. They talk a lot about statins there. Many people are ticked off about the use of statins:

https://www.healthboards.com/boards/f...splay.php?f=69

Thanks for your post,

-helen

cute fuzzy bunny 04-17-2005 07:25 PM

Re: The Retire Early Home Page
 
Somebody once said to throw out everything in your medicine cabinet except for the aspirin, and not to take anything else.

Sounds like pretty good advice...

MRGALT2U 04-18-2005 05:27 AM

Re: The Retire Early Home Page
 
[quote=GD-ER l
Scared the hell out of me too. *They had me convinced I was headed for heart surgery any minute... And while they were at it, they took some head x-rays to find out why I was getting stress headaches... Found a spot which just might be a fatal brain tumor... Sooo, MRI time with more nuclears...

WELLLLL, the nukes showed all was clear and that I should just know when to keep my big mouth shut around military doctors...
<The radiactive glow is just about gone - I think...>

Sooo, no cholestoral tests, no physicals, no fingers up the old wazooooo, no doctors, NO etc... And maybe -- just maybe -- my medical benefits won't kill me... 8)[/quote]

Hey GD-ER! This could have been written by my Dad.
He says "Just stay away from them!" I basically agree
with this view. For example, over the past 10 years
or so (counting specialists) I have seen around
12-14 different doctors, been hospitalized, had two (2)
MRIs, several EKGs and about 5 rountine physicals.
All of this resulted in very little help for my problems.
I would guess 90% of what worked for me was
discovered through my own research on the internet and elsewhere. For example, all meds and supplements
I take (100%) were found by me. Sometimes
you gotta go see 'em, but I lean strongly toward the
"just stay away" approach.

JG

Dawg52 04-18-2005 05:52 AM

Re: The Retire Early Home Page
 
I agree with the above even though I do go twice a year to the doc basically to get my cholesterol meds renewed. When I turned 40, all hell seemed to break loose. I had some moments when I felt light headed and weak. My GP doc at the time thought I might have MS for some reason. After several scans and a MRI they thought I had some kind of liver disease. Next we do a liver biopsy and after all said and done, they chalk up my problem to chonic hepatitis and gave me a $5 bottle of predizone which lowered my liver enzymes. I took this for about 6 months and never had another problem.

I'm grateful that the docs corrected my problem, but they sure scared the hell out of me and ran up some enormous bills for a $5 dollar solution to the problem. :-/

unclemick 04-18-2005 05:57 AM

Re: The Retire Early Home Page
 
I take heavy dosages of the standard New Orleans drugs - onion and garlic - raw, grilled, fried.

If you croak - it was probably a bad batch - or not enough garlic or a cross reaction with La hot sauce.

unclemick 04-18-2005 06:27 AM

Re: The Retire Early Home Page
 
OOps - I forgot boiled - in Zatarains seafood boil of course.

Dawg52 04-18-2005 06:40 AM

Re: The Retire Early Home Page
 
Quote:

I take heavy dosages of the standard New Orleans drugs - onion and garlic - raw, grilled, fried.

If you croak - it was probably a bad batch - or not enough garlic or a cross reaction with La hot sauce.
I like all that too......thank God for lipitor.

Eagle43 04-18-2005 06:51 AM

Re: The Retire Early Home Page
 
Quote:

I take heavy dosages of the standard New Orleans drugs - onion and garlic - raw, grilled, fried.

If you croak - it was probably a bad batch - or not enough garlic or a cross reaction with La hot sauce.
Mix in with crawdads, boiled crabs, and fried shrimp. Dose with a bottle of Dixie beer. (Is that beer still around?)

cute fuzzy bunny 04-18-2005 07:14 AM

Re: The Retire Early Home Page
 
Generic Claritin is extreeeeeeemly cheeep at Costco or Sams Club. I think I paid something like $6 for two 60-tablet bottles.

Wife likes the stuff. Makes me jumpy. I've had way better luck just flushing out the sinuses with a little homemade saline solution in a nose spray bottle.

As with many things, remove the cause rather than treat the symptoms.

But if a costco membership saves you a trip to "The Pusher", thats a good tradeoff... :)

Dawg52 04-18-2005 07:18 AM

Re: The Retire Early Home Page
 
Quote:

Generic Claritin is extreeeeeeemly cheeep at Costco or Sams Club. *I think I paid something like $6 for two 60-tablet bottles.

Wife likes the stuff. *Makes me jumpy. *I've had way better luck just flushing out the sinuses with a little homemade saline solution in a nose spray bottle.

As with many things, remove the cause rather than treat the symptoms.

But if a costco membership saves you a trip to "The Pusher", thats a good tradeoff... :)
Costco has a pretty cheap lunch too. $1.50 for a polish dog and drink. Again, thank god for lipitor.

unclemick 04-18-2005 07:25 AM

Re: The Retire Early Home Page
 
Yep

Dixie beer and Crawfish. Throw in garlic toes and small onions into the boil - to ah er counteract the salt.

Capsacin aka red pepper is supposed to be good for something also - I forget what.

Nords 04-18-2005 08:23 AM

Re: The Retire Early Home Page
 
Quote:

Sooo, no cholestoral tests, no physicals, no fingers up the old wazooooo, no doctors, NO etc... And maybe -- just maybe -- my medical benefits won't kill me... 8)
My father followed this regimen for almost 10 years.

In his late 60s he finally went to the doctor about a patch of dry skin on his leg. One question led to another and a set of "routine" tests were ordered.

The dry skin was either psoriasis or a side effect of a high-salt diet (since eliminated). The blood test showed a double-digit PSA. A "finger followup" revealed a stage IV tumor and led to a "just-in-time" radical prostatectomy. Other than the PSA he was completely symptom-free, although the tumor could have been found years earlier.

He sees a doctor regularly now. Me too.

Quote:

I found out six months ago that my total cholesterol is around 293, but my good cholesterol is really high so my ratios are good. -helen
There's a link between stress (adrenaline release) and rising cholesterol. So anything you can do to reduce the stress might help. In my case it turned out to be tae kwon do, ER, and less coffee (although not necessarily in that order).

I wouldn't continue with any doctor who reaches for a prescription pad before a grocery list. Admittedly it's difficult for HMO physicians to have enough time to get to know their patients, but many chronic medical conditions are more easily (and safely) treated with diet than with technology.

cute fuzzy bunny 04-18-2005 10:39 AM

Re: The Retire Early Home Page
 
GD-ER...some guys pay extra for that... :P

Art 06-15-2005 12:02 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by razztazz

Now, of course I DO have insurance but A) that isn't going to give me my health back and *

DO THIS NOW:

Go to www.DrDavesBest.com and order a couple of bottles of his pharmaceutical grade fish oil- take 6-10 capsules a day.

He's a board certified internist and anti-aging expert, and if you sign up for his free newsletter, you'll get tons of info on the magic of high-dose omega 3 fatty acid (fish oil)... the mother of all anti-inflammation agents (and all disease, we are learning- results from inflammation).

My bp was fine til I was put on lipitor due to nephrotic syndrome. My arms and hands cramped up terribly.

Turns out lipitor (statins) wipe out your heart's CoQ10, raising your bp. 200mg/day Jarrow CoQ10 allowed be to drop the lotensin they gave me for my lipitor-induced hypertension.

6-10 mg fish oil (Dr Daves- they are not all as pure) solved my muscle aches and helped my asthma.

From one Chester Arthur fan to another... get over to DrDavesBest.com and start eating plenty of fish oil... it CAN ONLY HELP.

If you got high bp- get on the 200 mg CoQ10, too.

Best Wishes- Don't Quit Yet...

Art

REWahoo 06-15-2005 11:08 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by Art
DO THIS NOW:

Go to www.DrDavesBest.com and order a couple of bottles of his pharmaceutical grade fish oil- take 6-10 capsules a day.

Might want to read this first...

https://www.usatoday.com/news/health/...fish-oil_x.htm

REW

Art 06-15-2005 11:22 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by REWahoo!
Might want to read this first...

https://www.usatoday.com/news/health/...fish-oil_x.htm

REW

Fascinating. I'll email this to Dr. Dave and report back his response. He has used IV fish oil in hospital ICUs to successfully treat arrythmias (I'm sure I spelled this correctly).

My first question is- what quality of fish oil did they use?

Good info, thanks.



haha 06-15-2005 01:56 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by REWahoo!

I hope this gets wide play. It might help me buy my salmon steaks a bit cheaper.

Hah

razztazz 06-15-2005 02:25 PM

Re: The Retire Early Home Page
 
Fish earl also causes spontaneous brain bleeding. It's a blood thinner with no dose control protocol. I am already on medication that thins my blood as a side-effect. Also, if you get a headache and take aspirin.. more blood thinning. I don't need any more stuff thinning my blood.

I've read the same side effect, blood thinning, listed on the bottles of many of these "herbal" "natural" "homeopathic" type potions.

And the doses they prescribe are outrageous. Just a way to make you piss away more money faster on the stuff.

The "natural cure" industry sounds to me just like the traditional medical industry and the way they hawk all manner of pills that are supposed to help ...."something"... something we didnt know we suffered from and that ONLY recently has been declared a threat that needs to be treated. They are just appealing to a different audience


moghopper 06-15-2005 02:33 PM

Re: The Retire Early Home Page
 
https://www.whitetreeaz.com/vintage/banjsalv.jpg

cute fuzzy bunny 06-15-2005 02:41 PM

Re: The Retire Early Home Page
 
As with anything, pick a product or topic and somebody will hate it, a study will say it will kill you or at least cause sterility, and somebody here will be a self-professed expert for one side, the other, or both...

Art 06-15-2005 03:21 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by razztazz
Fish earl also causes spontaneous brain bleeding. It's a blood thinner with no dose control protocol. I am already on medication that thins my blood as a side-effect. Also, if you get a headache and take aspirin.. more blood thinning. I don't need any more stuff thinning my blood.

Razz, I'm no fish oil expert. But I can tell you this...

UCSF Anti-Coagulation Dept. just started me on warfarin (7.5mg) due to my high proteinuria (17g/24h). I also take aspirin. They asked me all the Rx and non Rx drugs, vitamins, minerals I take- and I specifically asked if the 6-10 g/day fish oil would be a problem- and she said no, but if I had signs of bleeding, we'd stop the fish oil. She was not so worried about my large fish oil intake to reduce it or stop it up front.

I treat your concerns with great respect, and if I were you- maybe I'd do the same thing. But I have a feeling that your info on fish oil may not be entirely accurate... I don't know. I retract my order for you to take fish oil, but I still think it might be interesting for you to go to the site I mentioned, read more (he's got peer-reviewed references in bulk), and maybe even email him.

Obviously, your situation is very serious. I am convinced that for most people on statins, quality fish oil should be taken to minimize known side effects- ditto CoQ10.

As for the hilarious, clever poster who entered the snake oil cartoon above- attaboy!
You, sir, are a bleepin' comic genius!

HFWR 06-15-2005 04:21 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by moghopper

I'd bet John Hartford is smiling down from heaven!!

"the houses and the streets runnin' here and there,
like a crossword puzzle on the landscape.
Looks like a 'lectric shaver now
where the courthouse used to be.
The grass is all synthetic,
And we ain't really sure about the food.
The only thing that we're sure about
Is those steamboat whistle blues..."

Art 06-15-2005 09:16 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by Art
I'll email this to Dr. Dave and report back his response. He has used IV fish oil in hospital ICUs to successfully treat arrythmias (I'm sure I spelled this correctly).

REWahoo, just got this email from Dr. Dave:

Hi Art sorry I was unable to open your link to find out what it was about but I suspect you sent me the link to an article about fish oil and defibrilltors not being a good mix. If that is the case the lead article was in Jama and flies directly in the face of last years New england Journal article that showed that fish oil reduces the need for defibrillators by decrease V fib.

The Journal article got almost no air play except for me. the Jama article is all over the news all over the world.

AS soon as I saw the word" Jama" I knew it would be a negative article They are so deeply in bed with the pharmaceutical companies that support them that they only print negative articles when it comes to Alternative medicine. if you submit a positive one it will never get past their editorial board. If the link was something else, pardon my rant! Doc


REWahoo 06-15-2005 09:54 PM

Re: The Retire Early Home Page
 
So fish oil is either good for you (and good for Dr. Dave's bank account) or bad for you (and good for the pharmaceutical company's bank account). ???

Reminds me of the old joke about how saliva isn't harmful unless swallowed in small amounts over a long time period... ;)

REW, who thinks the entire argument is a bit fishy and will just stick with an occasional dose of Dr. Bethancourt's Amazing Snake Oil Liniment...

cute fuzzy bunny 06-16-2005 12:39 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by REWahoo!
Reminds me of the old joke about how saliva isn't harmful unless swallowed in small amounts over a long time period... ;)

And then only if its your own.

Hmm...someone else was promoting the benefits of fish oil here a while back.

Art 06-16-2005 08:10 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by REWahoo!
So fish oil is either good for you (and good for Dr. Dave's bank account) or bad for you (and good for the pharmaceutical company's bank account).* ???

FORMAL APOLOGY AND MEA CULPA TO THE FORUM...

I am new to this forum. I came across the post of a seriously ill individual, and replies from others to his situation. I will begin my own fun with experimental infusions of a new app of a Genentech wonder drug (rituxan) next Tuesday at UCSF, after two previous conventional drugs failed, so I was moved by the ill person's situation, and knew I had something of value to contribute to the discussion of STATINS- which are a TRUE problem/borderline scam- for those of you who are so hungry for something to be glib and cynical about.

Not knowing who I was dealing with, I put my two cents in, and I regret it. Won't happen again. There's a fine line between being glib and cynical, and being a stupid schmuck. Hope some of you find it one day. You dudes are too cool for school.


cute fuzzy bunny 06-16-2005 09:45 AM

Re: The Retire Early Home Page
 
Art - dont take it so seriously. We're a bunch of goofballs, thats all. What do you expect? We're a bunch of people without jobs...

I was suggesting fish oil a while back and my wife and I still take it. I think its good for you as long as you get some that isnt loaded with mercury and whatnot from the recent fish poisonings. I'll throw any log on the fire that isnt too expensive and might do me some good. I got the usual bunch of junior high school stuff here. Just stick your tongue out and proceed.


Art 06-16-2005 10:21 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by th
Art - dont take it so seriously.*

You're right, th. Thanks.

razztazz 06-16-2005 10:31 AM

Re: The Retire Early Home Page
 
The whole shocking story (Abridged)

Ok, here's some more reasons I am not keen on fish oil. *

As the previous poster said, there is the problem of *mercury and other industriual pollutants. yeah yeah, everybody who sells them swears they are "purified" but just what does that mean excatly? *And how can I be sure it means anything at all?

In MY OWN PERSONAL case there is a problem with antibiotics. *Along with having been fried by statins
I am sensitive to the flouroquinolone family (like the Manson *Family!) of antibiotics. These are used extensively in all meat and fish production. If I eat *fish or chicken that has been treated it can get serious. AND for an extended period of time. Not a 2 day bellyache. I spent most of 2003 recovering form an inadvertant exposure from food.

So, while they might say they use ONLY wild caught fish livers to extract the oil from...how do I know that? I have no way of proving or knowing anything and there are no evil, dreaded government regulations pre-emptively controlling their actions to reassure the public. Sure if I get killed or further crippled *I can roll the dice with another merchant, I guess. *But they mostly do teh same thing teh same way., It's called "industry standard". *It's preposterous.

I ain't stickin' that in MY mouth.

moghopper 06-16-2005 11:13 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by Art
You're right, th. Thanks.

Sorry Art - was just funnin'.

I have taken fish oil in the past, however, I too have some concerns (eg pollutants).

I'm much more likely to eat fish, and also go with flaxseed (flaxseed oils) which also contain Omega-3 acids. The flaxseed oil by itself probably isn't complete enough.

This following site is actually a proponent of "seal oil", but the pages on fish and flaxseed oil are somewhat informative.

https://www.omega3sealoil.com/Chapter5_1.html
https://www.omega3sealoil.com/Chapter5_2.html

Art 06-16-2005 11:37 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by moghopper
Sorry Art - was just funnin'.

Thanks, Mog, but not necessary.

Anyway, I started on flax oil for the Omega 3. If you visit the sight I mentioned, you'll see why that dog won't hunt (well). And you really can't eat enough fish either. The enewsletter is free. And he can't spell to save his life, which, to me- adds to his credibility.

Razz, you know your own situation and I'm sure you are the best judge of how to proceed. You're tough, I admire your strength and have nothing but the greatest respect for you. So much so, in fact, that I have removed Chester Arthur as my avatar, out of deference to you.

Art



Art 06-16-2005 11:40 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by Art

Anyway, I started on flax oil for the Omega 3.


Correction: I started on ground flaxseed- I ground my own- not flax oil.

SteveL 08-01-2005 08:03 PM

Re: The Retire Early Home Page
 
Just chanced on the portion of this thread related to cholesterol and wanted to relate a recent experience. I tested 246 (total) on 5/19 and began a diet program (added to existing walking). My previous best ever total number was 192. On July 14th I tested at 159 with LDL down over 70pts. What I didn't tell the dr. was that I was taking 1/2 tsp. of cinnamon every day with my oatmeal. It is also true that I dropped 20lbs over this time, but I had been at the lower weight before when I tested at 192. Read more at https://cholesterol.about.com/b/a/108723.htm.

Also, higher amounts of cinnamon than this can be toxic

cute fuzzy bunny 08-28-2005 10:14 PM

Re: The Retire Early Home Page
 
SteveL...you arent from New Hampshire, are you?

tommie 11-11-2005 01:17 PM

Re: The Retire Early Home Page
 
I am a 41 year old female and wondering if I should retire early. I don't a thing about early retirement, how to do it, or what if any consequences there are. I would just like some info. I also don't know how to find out how much i would get monthly if I do.

retire@40 11-11-2005 02:12 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by tommie
I am a 41 year old female and wondering if I should retire early.* I don't a thing about early retirement, how to do it, or what if any consequences there are.* I would just like some info.* I also don't know how to find out how much i would get monthly if I do.

Well, young lady, you've come to the right place.

In this forum you will find all the answers you need.

Just get yourself some popcorn, have a seat, and enjoy the ride here.

dusk_to_dawn 12-13-2005 02:31 PM

Re: The Retire Early Home Page
 
It's funny how some people think of how long they have to go....8 years or 5 years, etc. For many years I have thought of it this way....when I was 38 I thought, 'I can retire today....if I want to live in a trailer in the country'. Today I think, 'I can retire today.....if I want to sell my house and live well in Mexico'. I keep working and saving because I know that DW won't live in a trailer or in Mexico, but mentally, I know we can if we want to. I guess everyone has to decide on their big day. Personally I will keep working until my kid is in college and I am fully vested in my pension....9 more years, but there is that part of my brain that says....I can retire today.....if

SteveR 12-13-2005 03:31 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by dusk_to_dawn
It's funny how some people think of how long they have to go....8 years or 5 years, etc.* For many years I have thought of it this way....when I was 38 I thought, 'I can retire today....if I want to live in a trailer in the country'.* Today I think, 'I can retire today.....if I want to sell my house and live well in Mexico'.* I keep working and saving because I know that DW won't live in a trailer or in Mexico, but mentally, I know we can if we want to.* I guess everyone has to decide on their big day.* Personally I will keep working until my kid is in college and I am fully vested in my pension....9 more years, but there is that part of my brain that says....I can retire today.....if

Welcome to the board.

Yes, we can all retire if........
Each of us has our own "if" list we use to balance resources accumulation vs future income needs. For some that means working in the salt mines another 1,5, or 10 years to get the Brass Ring of pension, fully vested 401K, stock options or what have you. For others, it means getting out from under the thumb of management and being free. The cost for do so is an individual matter and depends on your wants and needs.

She you could live in a travel trailer in Mexico eating beans and rice but if that does not make you happy tben what will?
Your What will tell you how much you need to have in the vault to fund your needs. When the level in the vault equals your needs (plus a little slop for just in case) you are there.

Glad to have you here and I am looking forward to your thoughts and comments.

BigMoneyJim 12-20-2005 02:59 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by dusk_to_dawn
It's funny how some people think of how long they have to go....8 years or 5 years, etc. For many years I have thought of it this way....when I was 38 I thought, 'I can retire today....if I want to live in a trailer in the country'. Today I think, 'I can retire today.....if I want to sell my house and live well in Mexico'.

I think the year counts are odd, too. I've thrown out 10, 15 and 20 years as figures but try to qualify them as extremely rough guestimates. (Before I did projections I guessed 10-15 years; after projections I figure 20 if things go reasonably well.) Since I've been free of debt and watching the money pile grow I can begin to entertain options other than my previously envisioned "traditional" ER. Only quite recently while reading Terhorst's book have I begun regularly entertaining the idea of semi-retiring now/soon. So now I can look at it your way and say "I can quit now if I work odd jobs here and there and live very frugally." I like your way of looking at it; it will be a good periodic mental exercise instead of wating 10-20 years for 4% to cover a year's expenses.

beeker 01-01-2006 10:28 AM

Re: The Retire Early Home Page
 
I may be on the wrong board....but I'm new to the forum. Can I download the FireCalc program to my computer so as to make changes and get results without being logged on to the web?

REWahoo 01-01-2006 10:38 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by beeker
I may be on the wrong board....but I'm new to the forum. Can I download the FireCalc program to my computer so as to make changes and get results without being logged on to the web?

I'm not aware of any way to download FIRECalc.


sgeeeee 01-01-2006 11:16 AM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by beeker
I may be on the wrong board....but I'm new to the forum. Can I download the FireCalc program to my computer so as to make changes and get results without being logged on to the web?

I don't know of any way to download FIRECALC, but you can download intrcst's Safe Withdrawal Calculator:

https://www.retireearlyhomepage.com/softlist.html

The Save Withdrawal Calculator is a spreadsheet based historical simulator. The data base and the methodology are nearly identical for the two programs. FIRECALC is more user friendly and has some nice features that the Safe Withdrawal Calculator does not have. But you can do some things (including customize the program) easier with the Safe Withdrawal Calculator. ;D

TomSimpsonAZ 01-13-2006 08:24 AM

Re: The Retire Early Home Page
 
They need to keep Bodi Miller and his parents off TV or I'll end up retired tomorrow. I don't need ideas like that.

cute fuzzy bunny 01-13-2006 08:41 AM

Re: The Retire Early Home Page
 
He posts here under the name "brewer123456". But he swears he's a 15 year old named 'michelle'.

larry 05-18-2006 12:07 PM

Re: The Retire Early Home Page
 
Why did retireearlyhomepage.com drop the dory36 message board from their front page? Just noticed it about 10 minutes ago.

BigMoneyJim 05-18-2006 01:25 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by larry
Why did retireearlyhomepage.com drop the dory36 message board from their front page? Just noticed it about 10 minutes ago.

I don't know. It just happened a day or two ago, and I don't think anybody's heard why.

dory36 05-18-2006 01:35 PM

Re: The Retire Early Home Page
 
No way to download, but you can export a spreadsheet (with the formulas) as long as you don't use one of the alternate spending models (95% rule or Bernicke).

The spreadsheet isn't formatted to be pretty, but you can have something on your PC that will let you play around.

Nords 05-18-2006 01:41 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by BigMoneyJim
I don't know. It just happened a day or two ago, and I don't think anybody's heard why.

Are we talking here?* https://www.retireearlyhomepage.com/index.htm

Because the link to this board is there and it works...

Oooooh, I get it now:* https://www.retireearlyhomepage.com/

I see Dory's been booted to make room for a VA ad!

(Hey, Wab, we cross-posted. No, really!)

wabmester 05-18-2006 01:42 PM

Re: The Retire Early Home Page
 
Compare and contrast:

https://www.retireearlyhomepage.com/

BigMoneyJim 05-18-2006 01:47 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by Nords
Are we talking here? https://www.retireearlyhomepage.com/index.htm

Because the link to this board is there and it works...

Oooooh, I get it now: https://www.retireearlyhomepage.com/

I see Dory's been booted to make room for a VA ad!

(Hey, Wab, we cross-posted. No, really!)

Ah, I see. There's and index.htm and an index.html, and it's defaulting to index.html when you use https://www.retireearlyhomepage.com/ . I don't know if eliminating the link here is an oversight or intentional, but the double index file is likely unintended. I'll ask about it.

wabmester 05-18-2006 01:50 PM

Re: The Retire Early Home Page
 
You can tell by the date of the "magazine volume" that the newer version is the one missing the link to this board.

Nords 05-18-2006 01:52 PM

Re: The Retire Early Home Page
 
Quote:

Originally Posted by wab
You can tell by the date of the "magazine volume" that the newer version is the one missing the link to this board.

I bet Greaney doesn't even realize he has the old version of the magazine volume still popping up.

astromeria 05-19-2006 06:30 AM

Re: The Retire Early Home Page
 
I still see the Dory links on all the appropriate places on John Greaney's site (next to the VA ad), and they work...alternative universe?

BigMoneyJim 05-19-2006 07:58 AM

Re: The Retire Early Home Page
 
I PM'ed intercst about the double index without explicitly asking why or whether the link here was gone. When he fixed things our link was back.


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