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Forum: FIRE and Money Yesterday, 08:27 AM
Replies: 62
Views: 2,018
Posted By CyclingInvestor
Down 28% YTD on 100% stock portfolio. Looking...

Down 28% YTD on 100% stock portfolio. Looking forward to quarterly 'excess dividend' purchase next Wednesday. About $15K this time (bigger than normal, got back $$$ for cancelled cruises and airline...
Forum: FIRE and Money 03-20-2020, 01:22 PM
Replies: 27
Views: 1,558
Posted By CyclingInvestor
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Forum: FIRE and Money 03-18-2020, 09:26 AM
Replies: 60
Views: 2,930
Posted By CyclingInvestor
I am one of those who is 100% stocks (since...

I am one of those who is 100% stocks (since 1993). I retired 13 years ago at 48, with no outside income (although SS starts in a few months) but enough stock dividends to replace my salary. This...
Forum: FIRE and Money 03-15-2020, 08:58 AM
Replies: 62
Views: 4,770
Posted By CyclingInvestor
61, retired 13 years, 100% dividend growth stocks...

61, retired 13 years, 100% dividend growth stocks since 1993, no pension, SS starting in a few months.

I do not feel any stress over this (nor in 2008-09 nor 2000-03). My portfolio value has been...
Forum: FIRE and Money 03-02-2020, 10:06 PM
Replies: 17
Views: 972
Posted By CyclingInvestor
61, retired 13 years. 100% stock portfolio never...

61, retired 13 years. 100% stock portfolio never needs rebalancing, but I do buy some stock most quarters with excess dividends. I also sell/buy stocks when valuations of the stocks I own vs those I...
Forum: Health and Early Retirement 02-25-2020, 11:57 AM
Replies: 66
Views: 3,290
Posted By CyclingInvestor
COBRA/private insurance since retirement in 2006,...

COBRA/private insurance since retirement in 2006, then ACA since it started up until Medicare in 2023.. No subsidies.
Forum: Life after FIRE 02-23-2020, 09:37 PM
Replies: 38
Views: 3,445
Posted By CyclingInvestor
Retired 13 years ago at 48 from a programming...

Retired 13 years ago at 48 from a programming career. No kids, divorced long ago.

Living solely on stock dividends - no pension, side gigs, inheritance, although I will start SS in 5 months....
Forum: Other topics 02-20-2020, 10:29 AM
Replies: 18
Views: 535
Posted By CyclingInvestor
Schwab customer for decades (I think since 1979)....

Schwab customer for decades (I think since 1979). Very satisfied.

Just helped a friend transfer everything from USAA to Schwab. She had been paying .45% to .85% for index type funds instead of the...
Forum: Life after FIRE 02-15-2020, 08:52 PM
Replies: 98
Views: 4,168
Posted By CyclingInvestor
Oct 17. No financial reason, my company was...

Oct 17. No financial reason, my company was finally shoving an XP (extreme programming) environment down our throats, turning a relaxing, easy career into a nightmare social engagement.

I guess I...
Forum: FIRE and Money 02-13-2020, 08:21 PM
Replies: 92
Views: 8,025
Posted By CyclingInvestor
61, retired 13 years, no SS (yet) or pension. ...

61, retired 13 years, no SS (yet) or pension.

100% individual stocks (all dividend growth) since 1993. Dividend flow is considerably more than spending, so I am still buying more.
Forum: FIRE and Money 01-28-2020, 09:14 PM
Replies: 33
Views: 3,440
Posted By CyclingInvestor
I convert all my accumulated dividends each...

I convert all my accumulated dividends each quarter from my IRA (99% of my $$) into my Roth (1%), set aside enough cash plus $10k for next quarters expenses, then buy more stock in the Roth with the...
Forum: Other topics 01-19-2020, 11:52 AM
Replies: 53
Views: 2,552
Posted By CyclingInvestor
Cant choose, no overlap. Physically 27-41....

Cant choose, no overlap. Physically 27-41. Mentally / financially 61 (now).
Forum: Health and Early Retirement 01-06-2020, 10:57 PM
Replies: 156
Views: 8,600
Posted By CyclingInvestor
I retired at 48 in 2006. After 18m of COBRA, I...

I retired at 48 in 2006. After 18m of COBRA, I bought a regular policy fairly easily for a bit more than COBRA. Premiums rose about 10% per year until ACA, when they dropped slightly, then resumed...
Forum: Travel Information 01-05-2020, 02:47 PM
Replies: 108
Views: 7,416
Posted By CyclingInvestor
Agree completely. Every port on the Alsaka (10...

Agree completely. Every port on the Alsaka (10 times, 7 to 21 days) and New England (1 tme) cruises has great walking / hiking options. I use Holland America, which also declined after being...
Forum: FIRE and Money 01-04-2020, 04:06 PM
Replies: 121
Views: 13,297
Posted By CyclingInvestor
It certainly does not feel like it. It is all in...

It certainly does not feel like it. It is all in high quality (IMO) dividend growth stocks, which generate considerably more $$ than I need, and is rarely traded. My only trades in 2019 were some...
Forum: FIRE and Money 01-04-2020, 03:09 PM
Replies: 121
Views: 13,297
Posted By CyclingInvestor
100% stocks, 61, retired 13 years

100% stocks, 61, retired 13 years
Forum: FIRE and Money 01-01-2020, 12:13 AM
Replies: 706
Views: 48,299
Posted By CyclingInvestor
+54.7% IRR (thanks to BEP and BIP) 100%...

+54.7% IRR (thanks to BEP and BIP)

100% stocks (99% tIRA, 1% Roth)
Forum: FIRE Related Public Policy 12-24-2019, 12:23 AM
Replies: 25
Views: 1,174
Posted By CyclingInvestor
I always plan for the worst case - living...

I always plan for the worst case - living forever. If my expected dividend flow ever stops growing faster than inflation (depression, hyper-inflation, asteroid strike), I will reduce spending as...
Forum: Life after FIRE 12-20-2019, 03:53 PM
Replies: 90
Views: 9,926
Posted By CyclingInvestor
Never been lonely, do not understand being alone...

Never been lonely, do not understand being alone as a negative at all.

Now, dealing with other people, thats stress.
Forum: Technology, Media & e-Gadgets 12-20-2019, 03:10 AM
Replies: 30
Views: 1,201
Posted By CyclingInvestor
This was one of my first retirement projects....

This was one of my first retirement projects. About 4000 photos, plus all paper records (taxes, documents, etc). Cheap flatbed scanner worked great.
Forum: Health and Early Retirement 12-10-2019, 07:34 AM
Replies: 48
Views: 3,067
Posted By CyclingInvestor
Back in my long bike-touring days, I quickly...

Back in my long bike-touring days, I quickly learned to keep drinking water all day, as much as I could stand (2-5 gallons a day on the bike) or suffer the consequences - general weakness, fuzzy...
Forum: FIRE and Money 12-09-2019, 03:12 PM
Replies: 29
Views: 4,247
Posted By CyclingInvestor
I have been in 100% dividend growth stocks for 26...

I have been in 100% dividend growth stocks for 26 years, the last 13 in retirement living on those dividends (no other income). In 2008-2009 my portfolio dropped over 40%, but the dividend flow (and...
Forum: FIRE and Money 12-03-2019, 08:50 PM
Replies: 44
Views: 5,219
Posted By CyclingInvestor
This is key. If 100% stocks keeps you up at...

This is key. If 100% stocks keeps you up at night, it is too high, regardless of everything else.

I am most relaxed at 100% stocks (SS starts in 7 months). Any other allocation seems like wasting...
Forum: Health and Early Retirement 12-02-2019, 07:55 AM
Replies: 44
Views: 3,764
Posted By CyclingInvestor
Yes, this sounds exactly what happened to my...

Yes, this sounds exactly what happened to my hands. For me it was peripheral neuropathy, the first sign of my diabetes 3 years ago. The A1C test with my next physical confirmed it.
Forum: FIRE and Money 11-29-2019, 12:30 PM
Replies: 20
Views: 1,973
Posted By CyclingInvestor
This is basically what I do. Each quarter I...

This is basically what I do. Each quarter I convert all the accumulated dividends in my IRA (where almost all my $$ is) to my Roth, then spend that as needed and buy more dividend-growth stock in the...
Showing results 1 to 25 of 1548

 
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