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Search: Posts Made By: Kwirk
Forum: FIRE and Money Yesterday, 02:03 PM
Replies: 145
Views: 4,740
Posted By Kwirk
I buy with cash and give it away to a family...

I buy with cash and give it away to a family member when I'm ready for a new one, typically after 8 to 12 years.
Forum: COVID-19 | Containment Area 12-29-2020, 09:53 AM
Replies: 29
Views: 1,163
Posted By Kwirk
I'm far less compulsive now about avoiding...

I'm far less compulsive now about avoiding surface contamination but I still use hand sanitizer and wear at least one glove in certain situations, such as pumping gas or after handling take-out...
Forum: COVID-19 | Containment Area 12-26-2020, 04:06 PM
Replies: 442
Views: 27,820
Posted By Kwirk
Nice! :)

Nice! :)
Forum: Young Dreamers 12-12-2020, 10:38 AM
Replies: 12
Views: 978
Posted By Kwirk
Hopefully, going forward, we will all pay more...

Hopefully, going forward, we will all pay more attention to what really brings us happiness and pay less attention to what we're told will make us happy. There's some value in having our lives...
Forum: Other topics 12-06-2020, 01:08 PM
Replies: 68
Views: 3,914
Posted By Kwirk
I'm almost constantly on the look out for things...

I'm almost constantly on the look out for things that are not used and not needed. Occasionally, I'll go on a "crusade" (family description) against entropy. Unfortunately, my wife is tenacious and...
Forum: COVID-19 | Containment Area 12-06-2020, 12:48 PM
Replies: 74
Views: 3,262
Posted By Kwirk
I have dry skin and tend to minimize hand...

I have dry skin and tend to minimize hand washing. I do use hand sanitizer liberally and frequently. I wear gloves (and, often, goggles) when shopping, pumping gas, etc, if only to remind me not to...
Forum: Technology, Media & e-Gadgets 12-03-2020, 06:21 PM
Replies: 25
Views: 864
Posted By Kwirk
Recently bought a new (to us) home. There...

Recently bought a new (to us) home.

There are lots of cable connections. We don't use any of them. Everything is streamed.

We do use use the ethernet (cat 5e) connections. Direct connections...
Forum: Other topics 07-21-2020, 10:53 PM
Replies: 5,705
Views: 418,799
Posted By Kwirk
I'm annoyed by the phrase "virtual learning". ...

I'm annoyed by the phrase "virtual learning". There's either learning or no learning. I can't comprehend "virtual" learning. There's online learning. There's remote learning. There can be...
Forum: Other topics 07-09-2020, 11:02 AM
Replies: 135
Views: 5,076
Posted By Kwirk
We installed a whole-house generator with...

We installed a whole-house generator with transfer switch and 500 gal buried propane tank 7 years ago. Apart from paying ~$13,000 the hardest part was finding one company to do the whole job...
Forum: FIRE and Money 06-22-2020, 06:10 PM
Replies: 70
Views: 4,547
Posted By Kwirk
My experience is that it depends on your state. ...

My experience is that it depends on your state. It's not an option for VA. I've tried. I have been able to do federal withholding.



Here's the Vanguard list:...
Forum: Health and Early Retirement 06-22-2020, 05:58 PM
Replies: 67
Views: 3,765
Posted By Kwirk
Not that I know of but I avoid looking at myself...

Not that I know of but I avoid looking at myself too closely.
Forum: FIRE and Money 06-22-2020, 03:53 PM
Replies: 92
Views: 5,408
Posted By Kwirk
Rustic23, I believe your reference supports my...

Rustic23, I believe your reference supports my point. From your link:


"The Government Pension Offset (GPO) is analogous in purpose to the dual entitlement provision and applies to individuals...
Forum: FIRE and Money 06-22-2020, 12:41 PM
Replies: 21
Views: 1,932
Posted By Kwirk
My savings rate has certainly spiked. I don't go...

My savings rate has certainly spiked. I don't go to restaurants, I don't fly, I don't stay in hotels, and I can't take my grandchildren to movies or parks. My wife has no use for new jewelry, new...
Forum: FIRE and Money 06-22-2020, 12:22 PM
Replies: 92
Views: 5,408
Posted By Kwirk
I don't see how you are more cheated than...

I don't see how you are more cheated than somebody whose wife worked and paid into SS.

My wife worked and is eligible for her own SS, but she cannot have both her own SS and take advantage of...
Forum: FIRE and Money 06-22-2020, 11:43 AM
Replies: 92
Views: 5,408
Posted By Kwirk
If I am employed as a teacher (or whatever) and I...

If I am employed as a teacher (or whatever) and I do not pay into SS then that is because my teacher (or whatever) pension is intended to be a complete replacement for SS. That is the bargain that...
Forum: Other topics 06-21-2020, 09:47 PM
Replies: 151
Views: 7,196
Posted By Kwirk
+1 I have a happy memory of learning...

+1


I have a happy memory of learning about electric fields, distance, and voltage from a physics problem based on vacuum tubes.
Forum: FIRE and Money 06-21-2020, 09:16 PM
Replies: 92
Views: 5,408
Posted By Kwirk
Are you suggesting that spouses who do not work...

Are you suggesting that spouses who do not work should get no benefit? (I don't think you are.)


Or, are you suggesting that because my wife and I each have our own SS benefit we should each...
Forum: Life after FIRE 06-18-2020, 08:26 PM
Replies: 152
Views: 7,616
Posted By Kwirk
27 years of education, 25 years of full-time (and...

27 years of education, 25 years of full-time (and more) work.
Forum: Technology, Media & e-Gadgets 06-15-2020, 11:13 AM
Replies: 127
Views: 8,890
Posted By Kwirk
FWIW, if you turn off iMessage (under Messages)...

FWIW, if you turn off iMessage (under Messages) in settings you probably will no longer use data for instant messages.

If your iPhone instant messages show as blue they are going through Apple and...
Forum: Technology, Media & e-Gadgets 06-15-2020, 10:42 AM
Replies: 37
Views: 1,310
Posted By Kwirk
I use an alumni email address forwarded to my...

I use an alumni email address forwarded to my primary gmail address for accounts that I really care about. I also have a few junk email addresses forwarded to my primary gmail address.

Primary...
Forum: Other topics 06-12-2020, 03:54 PM
Replies: 6
Views: 552
Posted By Kwirk
Mint Mobile offers substantial benefits for...

Mint Mobile offers substantial benefits for referring "friends". If your personal information and credit card have been compromised you may be somebody's "friend". I hope you get this sorted out.
Forum: Life after FIRE 06-10-2020, 12:40 PM
Replies: 130
Views: 5,756
Posted By Kwirk
+1 Wife insists, takes less than 10 seconds. I...

+1 Wife insists, takes less than 10 seconds. I have to admit that it does look better.
Forum: FIRE and Money 06-09-2020, 09:59 PM
Replies: 83
Views: 8,792
Posted By Kwirk
I retired the first day I could begin collecting...

I retired the first day I could begin collecting a CSRS pension, as I had been planning for more than 25 years.
Forum: FIRE and Money 06-09-2020, 09:52 PM
Replies: 45
Views: 3,798
Posted By Kwirk
I don't calculate NPV but the fact that...

I don't calculate NPV but the fact that government pensions and SS easily cover our necessary expenses (and lots more) certainly plays a role in how I allocate other assets (probably for the benefit...
Forum: FIRE and Money 06-09-2020, 09:42 PM
Replies: 23
Views: 1,923
Posted By Kwirk
For clarity, consider changing the title of this...

For clarity, consider changing the title of this thread from "rule" to "rules".
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