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Search: Posts Made By: ordway
Forum: Other topics 04-26-2005, 09:07 AM
Replies: 30
Views: 3,524
Posted By ordway
Re: Hybrids - False Economy

Yeah, I came to the same conclusion. I really like the idea, but it would be a really terrible financial move for us... driving typically under 5k miles a year. If the price were only slightly more...
Forum: FIRE and Money 04-25-2005, 07:38 PM
Replies: 54
Views: 6,981
Posted By ordway
Re: Let's all get real about the #'s

I'm sure I could probably spend $200/day, but I'd have to work at it.

My husband and I live on about $25k-35k (higher end now that we're in a pricier area) without counting taxes. Add in taxes on...
Forum: Other topics 04-05-2005, 04:15 PM
Replies: 38
Views: 4,278
Posted By ordway
Re: Book report:  The Two-Income Trap

I also read The Two-Income Trap and was motivated to write a review, but from a different point of view... I found the authors' logic to be highly problematic, to put it nicely, and on many occasions...
Forum: Hi, I am... 03-31-2005, 06:44 PM
Replies: 28
Views: 4,192
Posted By ordway
Re: Blending finances with new spouse / partner

My husband and I have been together for about 12 years now... married for 6 of them. We've had totally joint finances from almost day-one. Sometimes one of us has made a lot more than the other,...
Forum: Young Dreamers 03-19-2005, 03:16 PM
Replies: 22
Views: 3,622
Posted By ordway
Re: Got the offer, but...

The commute would kill the deal for me (or my husband, who hates driving even more than I do). But if I didn't consider that, the one thing that caught my eye is the vacation policy. If I were you,...
Forum: Young Dreamers 02-27-2005, 06:53 PM
Replies: 24
Views: 3,000
Posted By ordway
Re: Engagement Rings

My first suggestion? Find out if she even wants a ring to begin with. Does she wear jewelry often? Rings, in particular? If she would genuinely enjoy a ring, great, but don't just assume that...
Forum: FIRE and Money 01-08-2005, 08:45 AM
Replies: 30
Views: 5,486
Posted By ordway
Re: In search of a modest lifestyle

Count me in as another person living happily on under $45K. At the moment (now that we moved to CA and our rent doubled) we're probably at about $35K, after-tax. (We save about 50% of gross income,...
Forum: FIRE and Money 01-07-2005, 07:03 PM
Replies: 8
Views: 1,992
Posted By ordway
Re: Are you better of than you were 4 years ago?

Hell yeah. In 2000 we had about $10K in net worth. (OK, that's a shade more than 4 years depending on how you count, but it's the date I remember from Quicken) Now we just broke $300K. Most of that...
Forum: Young Dreamers 12-29-2004, 04:26 PM
Replies: 31
Views: 3,381
Posted By ordway
Re: Sabbaticals from work

My husband took a 6-week unpaid sabbatical in the spring of this year. He was pretty burned out and fed up with his job and wanted to recharge his batteries a bit before going back to work. As it...
Forum: Hi, I am... 12-29-2004, 09:42 AM
Replies: 47
Views: 7,029
Posted By ordway
Re: Soooo ready at 31!!

Hey grlcndream! It's nice to meet others who also plan on a super-early exit :). I'm 30, my husband is 32, and we're working on the "5-year plan" (down to about 4 years now) to pile up enough of a...
Forum: Young Dreamers 12-24-2004, 03:37 PM
Replies: 15
Views: 2,293
Posted By ordway
Re: Terhorst Book

Then the Terhorst book would probably be worth it for you. A lot of it is about being motivated to ER, figuring out what you want to do other than work for pay, learning how to opt out of the rat...
Forum: Hi, I am... 12-22-2004, 08:45 AM
Replies: 73
Views: 8,815
Posted By ordway
Re: Contemplating The Big Move

Donner, one thing I noticed in your posts is that several times you mention things like "this is the standard of living around here" and "this level of spending isn't out of line around here." I may...
Forum: FIRE and Money 12-15-2004, 08:05 PM
Replies: 49
Views: 11,122
Posted By ordway
Re: Scott Burns: Stay safe on retirement spending

My husband and I split the financial duties according to interest, pretty much.

First off, we have totally joint finances (and have had since well before we were married). It all goes into one...
Forum: Hi, I am... 12-12-2004, 03:06 PM
Replies: 43
Views: 5,704
Posted By ordway
Re: ready at 39...have i missed anything?

As for paying back those who helped you...

What's the difference between A) Working 30 years in a relatively low-paying job, paying relatively little in taxes before retiring, and B) Working 10...
Forum: FIRE and Money 12-12-2004, 09:08 AM
Replies: 20
Views: 3,663
Posted By ordway
Re: "Foolish" Advice

I'm not really sure what the difference is. Maybe for someone who only tracks income/expenses loosely your method makes sense, but in my house we track *everything* - every single expense. It's easy...
Forum: FIRE and Money 12-10-2004, 05:02 PM
Replies: 20
Views: 3,663
Posted By ordway
Re: "Foolish" Advice

These articles always seem to confuse income and expenses. I'm planning on having 100% of my current expenses in retirement... but that's a very far cry from 100% of income. It would be scary to try...
Forum: Hi, I am... 12-10-2004, 10:28 AM
Replies: 43
Views: 5,704
Posted By ordway
Re: ready at 39...have i missed anything?

That's a good point, and I'm probably too low there. That's been a difficult thing to get a meaningful average on, since I have less data over time for car purchases. OTOH, we really don't use the...
Forum: Hi, I am... 12-10-2004, 09:58 AM
Replies: 43
Views: 5,704
Posted By ordway
Re: ready at 39...have i missed anything?

I'm not the "official keeper of Quicken" so I don't have really detailed numbers at my fingertips. But I do know that for the past 5 years or so (ie. since we got out of grad school and got real...
Forum: Hi, I am... 12-09-2004, 02:28 PM
Replies: 43
Views: 5,704
Posted By ordway
Re: ready at 39...have i missed anything?

I think I'm missing something here...

Ozarkjohn's total nest egg is $725K. A $25K draw on that is only about 3.4%. That seems pretty conservative to me. I don't see that there's any relevance to...
Forum: FIRE and Money 12-07-2004, 05:04 PM
Replies: 74
Views: 9,350
Posted By ordway
Re: Obsessed with value?

I dislike crowds and ceremonies so a "wedding" of any kind would have been torture as far as I was concerned.... fortunately my husband felt the same way. When we finally got married (had been...
Forum: FIRE and Money 12-03-2004, 02:04 PM
Replies: 10
Views: 1,771
Posted By ordway
Re: How much in the budget for Holiday Lights?

I've never been one for outside displays or lights. If it's for me to enjoy, why is it on the outside of the house? Oh yeah, to show off to the neighbors!

I'm pretty minimalist on decorations. I...
Forum: FIRE and Money 11-21-2004, 07:43 PM
Replies: 8
Views: 1,736
Posted By ordway
Re: Confused about "low balance" fees...

I don't know if it works that way for Vanguard, but I know for Fidelity they do have a small balance fee (which you get hit with even if it's the market's decline that causes your balance to go down)...
Forum: Young Dreamers 11-14-2004, 07:20 PM
Replies: 23
Views: 3,154
Posted By ordway
Re: Advice: which job to take?

It was interesting to see the other responses... My own inclination would be #2, hands down.

I think it is a lot harder to step down from an 80-hour schedule than it is to never start it in the...
Forum: Young Dreamers 11-12-2004, 01:18 PM
Replies: 6
Views: 2,820
Posted By ordway
Re: Question about SEP-IRA contributions

Thanks for the information about the self-employed 401k - apart from the nuisance value of setting up another account, it does look like the best bet. I'll do some more reading about that, but it's...
Forum: Young Dreamers 11-11-2004, 08:14 AM
Replies: 6
Views: 2,820
Posted By ordway
Question about SEP-IRA contributions

I just got a new job (it's not a dirty word in the Young Dreamers forum ;D) as a technical writer. I'll be working as a contractor, so I'll be paying self-employment taxes and contributing to my...
Showing results 1 to 25 of 78

 
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