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Search: Posts Made By: Callie
Forum: FIRE and Money 06-14-2009, 02:07 PM
Replies: 7
Views: 2,124
Posted By Callie
When I used one in the last 5 years (No Cal) - I...

When I used one in the last 5 years (No Cal) - I paid 8%. The leasing fee was 1/2 of the first month's rent.
Forum: FIRE and Money 05-17-2009, 08:55 PM
Replies: 133
Views: 12,287
Posted By Callie
I heard him on NPR, he was insufferable. He must...

I heard him on NPR, he was insufferable. He must have said "the love of my life" 5 times. I bet his kids want to hear that. Total jerk with huge sense of entitlement.
Forum: FIRE and Money 08-25-2008, 06:07 PM
Replies: 111
Views: 22,052
Posted By Callie
Colorado springs is pretty cheap but super...

Colorado springs is pretty cheap but super conservative.
Forum: FIRE and Money 07-22-2008, 08:54 AM
Replies: 297
Views: 20,870
Posted By Callie
Credit card companies and banks make money on...

Credit card companies and banks make money on loans via fees and packaging their debt up and selling it. Makes little incentive for them to loan only to people who can pay back. It becomes someone...
Forum: FIRE and Money 07-22-2008, 06:23 AM
Replies: 297
Views: 20,870
Posted By Callie
David Brooks has a good column in the NYtimes...

David Brooks has a good column in the NYtimes about the "culture of debt". He points out that this debt is good is everywhere, which has lead to the situation we now find ourselves in.


> This...
Forum: FIRE and Money 05-09-2008, 04:53 PM
Replies: 49
Views: 7,395
Posted By Callie
All of my personal experience says this is...

All of my personal experience says this is correct. My grandpa had 8 brothers and sisters, who all spent less and less as time went on. My grandparents spent very little in the years between 75 -...
Forum: FIRE and Money 04-03-2008, 06:01 AM
Replies: 36
Views: 4,035
Posted By Callie
The guy with the 240K, his employer was/is IBM. ...

The guy with the 240K, his employer was/is IBM. He has a pension plan and didn't always have access to 401K. This was added later to the mix at IBM.

He is probably fine with 240K in assets, a...
Forum: FIRE and Money 12-04-2007, 07:04 AM
Replies: 43
Views: 4,502
Posted By Callie
We rebalanced a little early, and 4 years away...

We rebalanced a little early, and 4 years away from retirement we are 55/45. We sleep better this way.
Forum: FIRE and Money 12-01-2007, 06:40 PM
Replies: 63
Views: 6,096
Posted By Callie
I went to look for new flooring for my kitchen...

I went to look for new flooring for my kitchen about 10 years ago, the kitchen place was closed, so I stopped and bought a new car on the way home.
Forum: FIRE and Money 11-13-2007, 03:28 PM
Replies: 24
Views: 2,750
Posted By Callie
I wouldn't co-sign for anything for ANYONE,...

I wouldn't co-sign for anything for ANYONE, unless I planned to make the payments myself. Huge mistake.

And if his wife finds out about this, there is a reason for the *amicable* divorce to...
Forum: FIRE and Money 11-13-2007, 01:30 PM
Replies: 32
Views: 4,061
Posted By Callie
We are about 5 years away and reduced out equity...

We are about 5 years away and reduced out equity to 55. We feel much better about that right now. We had about 30% before we made a plan. When we reblanced, we sold for cash rather than re-buying...
Forum: FIRE and Money 11-13-2007, 12:45 PM
Replies: 19
Views: 2,532
Posted By Callie
I sent a note to my company's treasurer, asking...

I sent a note to my company's treasurer, asking about our ESPP deposites and she said they would post something late today or tomorrow. This tells me they are likely not safe, or she would have just...
Forum: FIRE and Money 11-12-2007, 06:45 PM
Replies: 19
Views: 2,532
Posted By Callie
My company adminsters their ESOP (employee stock...

My company adminsters their ESOP (employee stock owenership plab) through Etrade. The plan does not buy shares until the end of the period, but holds the money until then. Do you think that is...
Forum: FIRE and Money 10-30-2007, 04:28 PM
Replies: 33
Views: 4,274
Posted By Callie
My grandparents and parents stopped spending when...

My grandparents and parents stopped spending when they stopped working, houses were paid off, pensions, SS. They built huge estates even with just CDs. It made me very sad that they were obsessed...
Forum: FIRE and Money 10-30-2007, 04:12 PM
Replies: 47
Views: 7,510
Posted By Callie
Warren Buffett feels there is a "fairly...

Warren Buffett feels there is a "fairly significant" chance the US is heading for a recession next year as well. I rebalanced early. My international funds had grown to almost 45% of my portfolio...
Forum: FIRE and Money 10-29-2007, 05:24 PM
Replies: 100
Views: 17,288
Posted By Callie
Congratulations! How much do you plan to save...

Congratulations! How much do you plan to save before retiring?
Forum: FIRE and Money 10-19-2007, 08:00 AM
Replies: 6
Views: 1,721
Posted By Callie
and does not apply to 401ks/IRAs I believe.

and does not apply to 401ks/IRAs I believe.
Forum: FIRE and Money 10-19-2007, 06:41 AM
Replies: 6
Views: 1,721
Posted By Callie
Hmmm...don't think that is correct. >...

Hmmm...don't think that is correct.

> Retirement Income: Not taxed.

Property taxes are VERY high instead.

Retirement Living - Taxes by State: Kansas - New Mexico...
Forum: FIRE and Money 10-14-2007, 12:10 PM
Replies: 6
Views: 1,754
Posted By Callie
Wonderful!

Wonderful!
Forum: FIRE and Money 10-07-2007, 03:06 PM
Replies: 26
Views: 3,742
Posted By Callie
I shouldn't whine we are doing fine, paying cash...

I shouldn't whine we are doing fine, paying cash for college and R&B as we go along. It is a little frustrating because his ex is not contributing at all, she is "underemployed" on purpose.
...
Forum: FIRE and Money 10-06-2007, 08:21 PM
Replies: 26
Views: 3,742
Posted By Callie
My only concern is one wants to be a "writer" and...

My only concern is one wants to be a "writer" and goes to a school that does not specialize in writing, and the other says she wants to be a teacher and wants to go to Dartmouth. If they wanted to...
Forum: FIRE and Money 10-06-2007, 02:35 PM
Replies: 85
Views: 12,467
Posted By Callie
LBYM definitely. I don't ever remember anyone...

LBYM definitely. I don't ever remember anyone telling me this, my family just had these behaviors. For example, no upgrading to larger houses. We've all lived in our houses for a long time.
Forum: FIRE and Money 10-06-2007, 02:28 PM
Replies: 15
Views: 3,056
Posted By Callie
I wouldn't use Fidelity. We moved there, and...

I wouldn't use Fidelity. We moved there, and they recommended some very lousy funds, all with 12b-1 fees of course.
Forum: FIRE and Money 10-06-2007, 02:22 PM
Replies: 26
Views: 3,742
Posted By Callie
If it wasn't for my hub's insistence on super...

If it wasn't for my hub's insistence on super high priced private college educations for both of his daughters, we would be retiring in 2 years also. Yes, he pays for them....
Forum: FIRE and Money 10-06-2007, 02:20 PM
Replies: 114
Views: 15,051
Posted By Callie
I haven't done anything too stupid, but my...

I haven't done anything too stupid, but my husband let a FA talk him into buying stocks in each of his daughter's college funds. He still owns the stock in there! I am sick of lecturing him about...
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