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Search: Posts Made By: ulrichw
Forum: Hi, I am... 05-01-2019, 11:05 AM
Replies: 87
Views: 27,341
Posted By ulrichw
I'd strongly recommend waiting until at least FRA...

I'd strongly recommend waiting until at least FRA (Full Retirement Age) to take your SS benefit, and I'd at least consider waiting until 70.

You have enough money to bridge the gap, and SS gives...
Forum: Hi, I am... 04-30-2019, 07:04 PM
Replies: 87
Views: 27,341
Posted By ulrichw
I'll differ slightly with other people's advice -...

I'll differ slightly with other people's advice - I think you may be relatively close, but that's if, and only if your spending assumption (42K per year) works out.

My guess is that your SS...
Forum: FIRE and Money 02-15-2018, 02:00 PM
Replies: 100
Views: 16,574
Posted By ulrichw
I have to say that even though I'm a long-time...

I have to say that even though I'm a long-time Quicken user (20+ years), I'm getting close to the end of the line with them. I'm going to give the subscription a chance, but their regular pricing is...
Forum: Active Investing, Market Strategies & Alternative Assets 01-17-2018, 05:09 PM
Replies: 31
Views: 2,541
Posted By ulrichw
I think you picked a good example of the articles...

I think you picked a good example of the articles documenting so-called money-laundering through Bitcoin.

The article is a fluff piece written by some legal group (HG.org) likely trying to...
Forum: FIRE and Money 12-05-2017, 05:37 PM
Replies: 42
Views: 2,725
Posted By ulrichw
Putting things into perspective: Those $6000 of...

Putting things into perspective: Those $6000 of capital gains are likely a very small percentage of the capital gains taxes you'll pay over your lifetime (I'm reading between the lines here: Your...
Forum: FIRE and Money 12-05-2017, 05:06 PM
Replies: 12
Views: 1,304
Posted By ulrichw
It's definitely not a medical expense. If...

It's definitely not a medical expense.

If your HSA custodian allows you to invest your money, there are strategies that can be beneficial to you where you don't spend any money from this account...
Forum: Active Investing, Market Strategies & Alternative Assets 12-04-2017, 07:28 PM
Replies: 115
Views: 13,338
Posted By ulrichw
I'm assuming for the moment that this was not...

I'm assuming for the moment that this was not meant rhetorically.

https://www.investopedia.com/news/short-bitcoin/

TL;DR one way is that cryptocurrency exchanges let you do that. See, for...
Forum: Active Investing, Market Strategies & Alternative Assets 12-04-2017, 05:47 PM
Replies: 74
Views: 7,688
Posted By ulrichw
There are two factors at play here: 1. I was...

There are two factors at play here:
1. I was under a misconception of how CAPE10 is calculated - Mea culpa. I thought it was a simple moving average of PE - it is actually the sum of...
Forum: Active Investing, Market Strategies & Alternative Assets 12-04-2017, 04:11 PM
Replies: 74
Views: 7,688
Posted By ulrichw
Your logic is incorrect - you're not losing an...

Your logic is incorrect - you're not losing an average year - you're losing a specific year with a specific value.

The spike is at about 120 - the low the following year is around 13.

This...
Forum: Hi, I am... 12-04-2017, 03:49 PM
Replies: 22
Views: 2,821
Posted By ulrichw
I'll take a different approach - I think the most...

I'll take a different approach - I think the most "iffy" part of your plan is if you can continue to live on $25K a year (not counting health insurance). Heck - even if you will spend more in...
Forum: Active Investing, Market Strategies & Alternative Assets 12-04-2017, 03:33 PM
Replies: 260
Views: 18,726
Posted By ulrichw
The IRS considers it to be an asset ("Property"...

The IRS considers it to be an asset ("Property" to be precise):
from https://www.irs.gov/newsroom/irs-virtual-currency-guidance
Forum: Active Investing, Market Strategies & Alternative Assets 12-04-2017, 03:28 PM
Replies: 74
Views: 7,688
Posted By ulrichw
I've always objected to the amount of importance...

I've always objected to the amount of importance given to CAPE10: an evenly weighted 10 year average seems like an extremely naive way to model market potential.

For one - why 10 years? Seems like...
Forum: FIRE and Money 11-28-2017, 07:26 PM
Replies: 32
Views: 4,039
Posted By ulrichw
I would venture that any legitimate 401(k) plan...

I would venture that any legitimate 401(k) plan *does* keep these funds in separate accounts. Why? It's the law.

Here's the excerpt from 26 U.S. Code 402A...
Forum: FIRE and Money 10-11-2017, 05:45 PM
Replies: 19
Views: 2,139
Posted By ulrichw
That is incorrect. She will qualify for SS on her...

That is incorrect. She will qualify for SS on her own SS earnings, however, it will be reduced. My situation is similar to your sister and I get a pension and SS. You are correct that she likely...
Forum: Life after FIRE 08-05-2017, 10:28 AM
Replies: 62
Views: 3,910
Posted By ulrichw
You probably meant this to be rhetorical, but...

You probably meant this to be rhetorical, but I'll take the bait.

Well, one possible answer is that not all government programs have to be redistributive - i.e., not all programs have to move...
Forum: Life after FIRE 08-05-2017, 01:39 AM
Replies: 62
Views: 3,910
Posted By ulrichw
You are correct. The full credit will still...

You are correct.

The full credit will still apply for a full quarter after Tesla reaches 200,000 units.
For the next two quarters after that, people will receive half the credit. For the next two...
Forum: Life after FIRE 08-04-2017, 06:15 PM
Replies: 62
Views: 3,910
Posted By ulrichw
I live in CA and as a game I count Mustangs (any...

I live in CA and as a game I count Mustangs (any vintage) and Teslas (either model) and compare the counts (only cars actually driving on the road count - no parked cars).

Typically Teslas win out...
Forum: Active Investing, Market Strategies & Alternative Assets 08-04-2017, 05:49 PM
Replies: 22
Views: 2,573
Posted By ulrichw
I think many of you are missing the point. ...

I think many of you are missing the point.

Singer didn't make a statement on whether passive investment yields good or bad returns compared to other forms of investment.

His thesis (as quoted...
Forum: FIRE and Money 04-20-2017, 08:50 PM
Replies: 23
Views: 2,455
Posted By ulrichw
I'd like to question a few of your assumption...

I'd like to question a few of your assumption (not saying they're wrong, but just make sure that you're right about them):
1. How did you determine your fair market value? Your options are likely...
Forum: Other topics 04-16-2017, 11:03 AM
Replies: 70
Views: 4,677
Posted By ulrichw
Are you sure about this? The call should drop if...

Are you sure about this? The call should drop if either party hangs up.

Her line might be kept busy if the line in her house stays "off hook," but it shouldn't be billed as a 4 hour call.
Forum: Other topics 04-15-2017, 04:03 PM
Replies: 70
Views: 4,677
Posted By ulrichw
If you're willing to use some technology that may...

If you're willing to use some technology that may be a little more "raw", here's a recipe that might work:
- Obihai Obitalk 200:...
Forum: FIRE and Money 11-20-2016, 03:34 PM
Replies: 11
Views: 1,820
Posted By ulrichw
Here are the numbers you gave: Budget: $70K ...

Here are the numbers you gave:

Budget: $70K
Pension: $42K
SS: $22K
Savings: $1.5M

You don't give your precise ages (or more importantly, the difference between your age and your husband's...
Forum: FIRE and Money 05-20-2016, 08:26 PM
Replies: 12
Views: 1,950
Posted By ulrichw
You're right - I misread the original article to...

You're right - I misread the original article to be suggesting the Trinity-study like inflation adjusted withdrawal rate based on the initial portfolio, vs. a running adjustment. This means that...
Forum: Health and Early Retirement 05-20-2016, 08:11 PM
Replies: 90
Views: 8,621
Posted By ulrichw
Not at all - that statements reflects the...

Not at all - that statements reflects the objective truth of how I view the field of medicine.

I think that people expect too much, and therefore when they find some apparent discrepancy in what...
Forum: Health and Early Retirement 05-20-2016, 07:50 PM
Replies: 90
Views: 8,621
Posted By ulrichw
Actually, I'll differ with you on that. The...

Actually, I'll differ with you on that. The primary statins are all off patent, and are almost ridiculously inexpensive.

Besides which, the pro-statin viewpoint is also held by many people who...
Showing results 1 to 25 of 73

 
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