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Forum: Life after FIRE 03-01-2014, 12:31 PM
Replies: 28
Views: 3,277
Posted By rescueme
I/wife do the same thing, for the same reason;...

I/wife do the same thing, for the same reason; you are not alone :laugh: ...
Forum: FIRE and Money 02-28-2014, 03:14 PM
Replies: 20
Views: 2,635
Posted By rescueme
We have held VGHAX for over two decades (a/o...

We have held VGHAX for over two decades (a/o yesterday, up 11.12% YTD).

It's the only sector fund we hold.
Forum: FIRE and Money 02-28-2014, 08:05 AM
Replies: 23
Views: 3,751
Posted By rescueme
Yes; I would rather die with money, than live...

Yes; I would rather die with money, than live without it :coolsmiley: ...
Forum: FIRE and Money 02-18-2014, 09:03 AM
Replies: 32
Views: 5,159
Posted By rescueme
FWIW, we had another one in the obit's this...

FWIW, we had another one in the obit's this morning that passed at age 101 (and a man, no less :coolsmiley: ).

I've mentioned this on another thread; living in a state (PA) which has a lot of...
Forum: FIRE and Money 02-16-2014, 06:58 AM
Replies: 8
Views: 2,731
Posted By rescueme
Yes...

Yes...
Forum: FIRE and Money 02-15-2014, 10:39 PM
Replies: 8
Views: 2,731
Posted By rescueme
Try this: Social Security Benefits...

Try this:

Social Security Benefits Evaluator - T. Rowe Price (https://individual.troweprice.com/public/Retail/Retirement/Social-Security-Tool)

Just plug in dummy names, your expected SS...
Forum: FIRE and Money 02-15-2014, 10:11 PM
Replies: 52
Views: 9,256
Posted By rescueme
An oldie, but it shows why I retired earlier than...

An oldie, but it shows why I retired earlier than "normal".

Remember, you will never be younger than you are today :coolsmiley: ...
Forum: FIRE and Money 02-13-2014, 09:55 AM
Replies: 62
Views: 7,220
Posted By rescueme
:coolsmiley: Exactly.... I/wife never...

:coolsmiley: Exactly....

I/wife never computed our SS on our "break even point".

Money is for the living - not the dead :angel: ...

We computed the scenerio (if you wish, use: Social...
Forum: Life after FIRE 02-10-2014, 06:47 AM
Replies: 169
Views: 16,539
Posted By rescueme
Not really. They converted to a Cash balance plan...

Not really. They converted to a Cash balance plan - Wikipedia, the free encyclopedia (https://en.wikipedia.org/wiki/Cash_balance_plan) in the early 80's, when our traditional pension was phased out...
Forum: Life after FIRE 02-08-2014, 09:43 AM
Replies: 34
Views: 13,513
Posted By rescueme
Being an extreme introvert (other than forums who...

Being an extreme introvert (other than forums who don't know me IRL :facepalm: ), I asked that the cost of any "party" (and contributions from the staff of over 200 folks) be directed to my charity...
Forum: FIRE and Money 02-06-2014, 02:38 PM
Replies: 47
Views: 5,384
Posted By rescueme
Some of us are in the rare situation of not only...

Some of us are in the rare situation of not only planning for our own lifetime, but also accounting for income for those that follow.

Our (disabled) son is 22 years younger than us, and will have...
Forum: Life after FIRE 02-01-2014, 09:35 AM
Replies: 76
Views: 6,971
Posted By rescueme
No SS, no Pension. Just getting by (me &...

No SS, no Pension.

Just getting by (me & DW) on our investments and an SPIA, purchased at retirement back in 2007 with some of the "profits" from our long term holdings. BTW, we're both age 66,...
Forum: Other topics 01-31-2014, 07:31 AM
Replies: 48
Views: 3,257
Posted By rescueme
I Am A Rock (Simon & Garfunkel). Key words...

I Am A Rock (Simon & Garfunkel).

Key words (for me):

"And a rock feels no pain;
And an island never cries."
Forum: FIRE and Money 01-26-2014, 11:12 AM
Replies: 21
Views: 3,420
Posted By rescueme
IOW, it's good to be old :facepalm: ... ...

IOW, it's good to be old :facepalm: ...

(Sorry, as an "old guy" I could not resist)...
Forum: FIRE and Money 01-26-2014, 10:53 AM
Replies: 14
Views: 2,202
Posted By rescueme
Thank goodness somebody was higher than us ;D ......

Thank goodness somebody was higher than us ;D ...

The only break we really received was credit for non-deductable IRA's to which we contributed the max from 1987 until 1997 ($2k/year max, x 2...
Forum: FIRE and Money 01-26-2014, 09:41 AM
Replies: 13
Views: 1,465
Posted By rescueme
I agree with you. A former co-worker of my...

I agree with you.

A former co-worker of my DW did the same thing, to get the maximum income that they (along with her husband) to cover the "good life". Guess what happened when she had to leave...
Forum: FIRE and Money 01-26-2014, 08:34 AM
Replies: 14
Views: 2,202
Posted By rescueme
Does it sound right? I have no idea :laugh: ... ...

Does it sound right? I have no idea :laugh: ...

FWIW, our effective tax rate is just over 12%. However, we're retired and in the 25% tax bracket filing jointly; we have no deductions that affect...
Forum: FIRE and Money 01-25-2014, 09:10 AM
Replies: 47
Views: 4,337
Posted By rescueme
My/wife's cash buckets (used for day to day...

My/wife's cash buckets (used for day to day expenses) remained the same :laugh: ...

Being retired and no longer actively purchasing funds, the daily flux means little to us (unless it's time to...
Forum: FIRE and Money 01-24-2014, 12:26 PM
Replies: 44
Views: 8,216
Posted By rescueme
In a word - union contract :coolsmiley: ... ...

In a word - union contract :coolsmiley: ...

I retired from a company in which the UAW represented the "workers" (I was non-management, white collar).

Unless it is good for the folks...
Forum: FIRE and Money 01-24-2014, 11:03 AM
Replies: 21
Views: 3,420
Posted By rescueme
I wonder how many of the "1 in 20" post on this...

I wonder how many of the "1 in 20" post on this board?

1 In 20 US Households Has Over A Million In Assets: This Is Where They Are | Zero Hedge...
Forum: Other topics 01-23-2014, 02:32 PM
Replies: 68
Views: 5,530
Posted By rescueme
Had the same problem, years ago. The...

Had the same problem, years ago.

The builder's folks didn't add cement/concrete under the shower floorpan and it started to flex over time (even though it seemed solid).

The plumber shoved a...
Forum: FIRE and Money 01-16-2014, 06:21 PM
Replies: 79
Views: 8,852
Posted By rescueme
More frugal in retirement? Not at all. We...

More frugal in retirement? Not at all.

We planned to spend 100% of our pre-retirement net income, adjusted for our PROI (Personal Rate of Inflation).

Retired 6+ years for me, 2 for wife and...
Forum: Other topics 01-15-2014, 10:37 AM
Replies: 18
Views: 1,525
Posted By rescueme
Wrong decade :coolsmiley: Disco was of the...

Wrong decade :coolsmiley:

Disco was of the late '70's.

The 60's?

I graduated from HS, Tech School (before there were Community Colleges), received my draft notice (eh, actually report for...
Forum: Life after FIRE 01-14-2014, 07:49 AM
Replies: 76
Views: 5,986
Posted By rescueme
If you use an ATM for your bank/CU, it will...

If you use an ATM for your bank/CU, it will probably be a debit card.
Forum: FIRE and Money 01-14-2014, 07:33 AM
Replies: 37
Views: 3,767
Posted By rescueme
Yes; actually the organization/people.

Yes; actually the organization/people.
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