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Search: Posts Made By: tuixiu
Forum: FIRE and Money 08-01-2015, 01:30 AM
Replies: 60
Views: 6,784
Posted By tuixiu
Congratuations mathjak, another long-timer joins...

Congratuations mathjak, another long-timer joins the club!
Forum: FIRE and Money 07-24-2015, 10:48 PM
Replies: 25
Views: 3,546
Posted By tuixiu
Depends. We knew we were going to sell our...

Depends.

We knew we were going to sell our home when we retired to travel for awhile then become renters, so it made sense to include the value of the home in our net worth.

When our SWR...
Forum: FIRE and Money 04-10-2015, 03:44 PM
Replies: 109
Views: 19,025
Posted By tuixiu
Yep, better way to see AA impact on a portfolio's...

Yep, better way to see AA impact on a portfolio's success rate is to get it as close to 99.99% success as possible, then start fiddling.
Forum: FIRE and Money 03-28-2015, 04:25 PM
Replies: 28
Views: 5,196
Posted By tuixiu
Whose bubble are you bursting? I didn't see...

Whose bubble are you bursting? I didn't see anyone claiming it was impossible to increase wealth at that rate with a very high savings rate, I just saw some skepticism about the numbers in this...
Forum: FIRE and Money 03-14-2015, 05:19 PM
Replies: 36
Views: 5,148
Posted By tuixiu
Headline number is based partly on whether...

Headline number is based partly on whether someone is getting benefits?

I've never heard of this, I thought headline number was U-3.
Forum: Hi, I am... 02-11-2015, 10:21 PM
Replies: 26
Views: 4,541
Posted By tuixiu
Nice job, enjoy your well deserved freedom!

Nice job, enjoy your well deserved freedom!
Forum: FIRE and Money 02-10-2015, 07:41 AM
Replies: 23
Views: 3,969
Posted By tuixiu
Yep we going thru this right now too. Work...

Yep we going thru this right now too. Work insurance ended Jan 31, healthcare.gov says the event gives us until April 2 to sign up.

However if you sign up after the middle of the month you wait an...
Forum: FIRE and Money 01-17-2015, 08:02 AM
Replies: 66
Views: 8,764
Posted By tuixiu
Since everyone has different ideas of a minimally...

Since everyone has different ideas of a minimally acceptable lifestyle it is hard to put a right or wrong answer on cost of living, but there are plenty of blogs from people who live fairly...
Forum: FIRE and Money 01-17-2015, 07:50 AM
Replies: 66
Views: 8,764
Posted By tuixiu
Don't worry you aren't putting much of a damper...

Don't worry you aren't putting much of a damper on things because what you're saying isn't true.

Your chance of running out of money is certainly higher pulling 4% for time frames longer than 30...
Forum: FIRE and Money 01-09-2015, 11:32 AM
Replies: 34
Views: 6,371
Posted By tuixiu
We have 67% in equities using a simple three way...

We have 67% in equities using a simple three way lazy portfolio.

The approximate equality of the pie slices is very pleasing to the eyes.
Forum: FIRE and Money 01-09-2015, 11:29 AM
Replies: 39
Views: 5,821
Posted By tuixiu
I'd be intrigued with set-and-forget...

I'd be intrigued with set-and-forget Wellesly/Wellington but for the better tax efficiency of roll your own across asset classes and taxable vs. tax deferred savings vehicles.
Forum: FIRE and Money 01-09-2015, 11:25 AM
Replies: 515
Views: 63,924
Posted By tuixiu
I've seen HDMI to RCA converters for about $20,...

I've seen HDMI to RCA converters for about $20, but I agree with Cobra you might as well just spend $60 and get a Roku2 that is compatible with your older TV. Having two would be really nice not to...
Forum: FIRE and Money 01-09-2015, 11:17 AM
Replies: 25
Views: 7,637
Posted By tuixiu
I guess it depends on "for years" means on...

I guess it depends on "for years" means on horizon, and your opinion on the occasional debate over whether one needs more exposure to foreign equities or global nature of VTSAX is sufficient.
Forum: FIRE and Money 01-07-2015, 07:16 AM
Replies: 57
Views: 6,909
Posted By tuixiu
I've been trying to do the math on advantages of...

I've been trying to do the math on advantages of income low for subsidies vs. Roth conversions at various tiers for some time now. Too many unknowns to get anything concrete but definitely leaning...
Forum: FIRE and Money 01-07-2015, 07:10 AM
Replies: 515
Views: 63,924
Posted By tuixiu
I think Sling TV will really be a game changer...

I think Sling TV will really be a game changer because of ESPN. There are a lot of people I talk to who want to be cord cutters but the live sports is what kills the deal. With a combo of Sling and...
Forum: FIRE and Money 01-07-2015, 06:46 AM
Replies: 49
Views: 6,254
Posted By tuixiu
Maybe you paid a larger share of the tax burden...

Maybe you paid a larger share of the tax burden than most Americans during your earning years? Then can rationalize a lifetime aggregate producer/parasite ratio that comes out more in your favor.
Forum: FIRE and Money 12-27-2014, 09:49 AM
Replies: 8
Views: 1,815
Posted By tuixiu
Harry Dent for the win again! Harry Dent -...

Harry Dent for the win again!

Harry Dent - Wikipedia, the free encyclopedia (https://en.wikipedia.org/wiki/Harry_Dent)



and of course Peter Schiff's recommendations for 2014 were spot on:
...
Forum: FIRE and Money 12-27-2014, 09:27 AM
Replies: 76
Views: 12,536
Posted By tuixiu
We're with you... I'm software engineer, wife is...

We're with you... I'm software engineer, wife is an attorney. Causes much mental anguish leaving behind two six figure salaries and a monthly savings rate over 10k to start living on a retirement...
Forum: FIRE and Money 12-27-2014, 09:16 AM
Replies: 104
Views: 13,070
Posted By tuixiu
That is some serious slicing and dicing man!

That is some serious slicing and dicing man!
Forum: FIRE and Money 12-27-2014, 09:15 AM
Replies: 104
Views: 13,070
Posted By tuixiu
100% stable value fund, pulling in 1.8% last time...

100% stable value fund, pulling in 1.8% last time I checked.
Forum: FIRE and Money 12-16-2014, 08:40 AM
Replies: 200
Views: 21,908
Posted By tuixiu
Kinda weird when you consider that loss compared...

Kinda weird when you consider that loss compared to the stats one always seen thrown around in those avg net worth oh-my-gosh type articles. You probably lost from peak more than most people ever...
Forum: FIRE and Money 12-16-2014, 08:38 AM
Replies: 200
Views: 21,908
Posted By tuixiu
y2k retirees with 100% of their assets in the...

y2k retirees with 100% of their assets in the stock market, do you think this is common?
Forum: FIRE and Money 12-15-2014, 07:46 PM
Replies: 200
Views: 21,908
Posted By tuixiu
So we can claim any return we want because...

So we can claim any return we want because changes in the market might make it eventually true?



Which 15 year period?

Again showing real returns with dividends reinvested here: S&P 500...
Forum: FIRE and Money 12-14-2014, 10:00 PM
Replies: 200
Views: 21,908
Posted By tuixiu
But this doesn't validate what you said. A...

But this doesn't validate what you said.

A 1.74% return from March 2000 does not make your previous claim of 1.3% over the past 15 years true.

Sorry if I'm busting your balls but as other...
Forum: FIRE and Money 12-14-2014, 12:21 PM
Replies: 200
Views: 21,908
Posted By tuixiu
When I run Dec 1999 -> Dec 2014 here: S&P 500...

When I run Dec 1999 -> Dec 2014 here: S&P 500 Return Calculator - Don't Quit Your Day Job... (https://dqydj.net/sp-500-return-calculator/)

I get annualized real returns of slightly over 2%, not...
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