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Search: Posts Made By: Lusitan
Forum: Young Dreamers 08-23-2011, 01:43 PM
Replies: 36
Views: 3,385
Posted By Lusitan
Ah, that helps. Sounds like you guys made a good...

Ah, that helps. Sounds like you guys made a good move - congrats, enjoy it!
Forum: Young Dreamers 08-23-2011, 08:48 AM
Replies: 36
Views: 3,385
Posted By Lusitan
I haven't been keeping up with the forums as...

I haven't been keeping up with the forums as much, and I didn't know you took a new job and moved to CO. Glad to hear things are going well for you. Apart from the work-related stuff, how has the...
Forum: FIRE and Money 08-23-2011, 08:42 AM
Replies: 78
Views: 6,348
Posted By Lusitan
hyper-in______

hyper-in______
Forum: FIRE and Money 08-09-2011, 09:21 AM
Replies: 66
Views: 6,712
Posted By Lusitan
No changes here. We generally follow a LBYM...

No changes here. We generally follow a LBYM lifestyle, and that continues. Stuck with our plans for our annual family vacation. If we weren't already doing the LBYM thing, now would be (another)...
Forum: FIRE and Money 08-09-2011, 09:19 AM
Replies: 42
Views: 4,209
Posted By Lusitan
Taking the opportunity to do some re-balancing,...

Taking the opportunity to do some re-balancing, and speeding up some planned 529 contributions. But otherwise, mostly sitting tight.
Forum: FIRE and Money 08-08-2011, 03:22 PM
Replies: 195
Views: 16,662
Posted By Lusitan
Quite the opposite for me -- I have increased my...

Quite the opposite for me -- I have increased my supply of ammo recently. :angel:
Forum: FIRE and Money 08-08-2011, 02:43 PM
Replies: 143
Views: 13,194
Posted By Lusitan
"professional civil servants" = fail ...

"professional civil servants" = fail

"strong administrative skills" = fail

"who stayed for the long term" = check

"loyal to the system" = check

"above any particular loyalty to ......
Forum: FIRE and Money 07-27-2011, 07:23 PM
Replies: 85
Views: 9,173
Posted By Lusitan
I come from a family of 4 kids. Look back...

I come from a family of 4 kids. Look back through our old family photos, and you'll see the same sweatshirts pass down from my older sister, to me, to my younger brother, and (if it held up to...
Forum: FIRE and Money 07-21-2011, 09:42 AM
Replies: 8
Views: 2,860
Posted By Lusitan
New Jersey is not the place to go to look for...

New Jersey is not the place to go to look for "reasonable" cost of living. It's one of the worst places you can go. Not only is it crowded (highest population density in the U.S.) and expensive,...
Forum: FIRE and Money 06-02-2011, 11:00 AM
Replies: 22
Views: 4,141
Posted By Lusitan
Sell before you are underwater.

Sell before you are underwater.
Forum: Young Dreamers 06-02-2011, 10:54 AM
Replies: 39
Views: 6,483
Posted By Lusitan
I would pay them off. I paid off my student...

I would pay them off. I paid off my student loans early even though the interest rate was much lower than yours. There's an intangible benefit to being debt-free, at least to me.
Forum: FIRE and Money 04-01-2011, 01:37 PM
Replies: 56
Views: 7,235
Posted By Lusitan
Social Security Stops Mailing Annual Statements

Social Security won't mail annual statements- MSN Money (https://money.msn.com/retirement/article.aspx?post=25a6ebe2-e5c2-403b-bcc1-4d946946b812)

I guess it might take the Brain Trust over at the...
Forum: FIRE and Money 04-01-2011, 12:48 PM
Replies: 19
Views: 3,270
Posted By Lusitan
+1 At least it's April Fool's Day ;)

+1

At least it's April Fool's Day ;)
Forum: FIRE and Money 04-01-2011, 08:34 AM
Replies: 19
Views: 3,270
Posted By Lusitan
That would make too much sense. :rolleyes:

That would make too much sense. :rolleyes:
Forum: FIRE and Money 04-01-2011, 08:32 AM
Replies: 8
Views: 1,446
Posted By Lusitan
Pay off the debt. Not only is it the best move...

Pay off the debt. Not only is it the best move from a numbers perspective (you're not going to find a guaranteed "rate of return" that will match your credit card interest rate) but it also rewards...
Forum: Young Dreamers 03-17-2011, 04:11 PM
Replies: 52
Views: 4,800
Posted By Lusitan
I would choose Option 1 if I were really and...

I would choose Option 1 if I were really and truly convinced that no more than 40 hours per week would be required (I am skeptical though).

If you really could work 8 hours/day M-F, having a...
Forum: Young Dreamers 03-15-2011, 08:46 AM
Replies: 16
Views: 4,045
Posted By Lusitan
Looks like you're doing great. I don't...

Looks like you're doing great.

I don't think it's necessarily an "improvement" but one thing you might want to consider is how well you did at re-balancing your portfolio during the past few...
Forum: Young Dreamers 02-15-2011, 10:57 AM
Replies: 10
Views: 3,285
Posted By Lusitan
I'm in the same boat as you -- well, a similar...

I'm in the same boat as you -- well, a similar boat, just a few years ahead of you down the river ...

We started a 529 (NY as well) for our first child in the year he was born, and maxed out the...
Forum: FIRE and Money 02-03-2011, 08:47 PM
Replies: 39
Views: 5,082
Posted By Lusitan
I tried kicking off TurboTax the other day, and...

I tried kicking off TurboTax the other day, and Vanguard had not yet released the tax documents for some of my accounts ... I didn't have time to look into whether that was true or only a temporary...
Forum: FIRE and Money 01-31-2011, 05:01 PM
Replies: 42
Views: 4,636
Posted By Lusitan
It's never taken me longer than 4 months to find...

It's never taken me longer than 4 months to find a job either, but I've never lost a job during such a terrible economic crisis. So I'd say beef up the emergency fund to 12 months.

Other than...
Forum: Young Dreamers 01-24-2011, 05:58 PM
Replies: 27
Views: 4,276
Posted By Lusitan
Heck yeah -- the FIREd are the ideal group that...

Heck yeah -- the FIREd are the ideal group that fits that category. But it doesn't fit the bill for most Young Dreamers. ;)
Forum: Young Dreamers 01-24-2011, 03:54 PM
Replies: 27
Views: 4,276
Posted By Lusitan
I think the answer is highly dependent on a...

I think the answer is highly dependent on a myriad of facts we don't know about your personal situation (family situation, career stability, age, chances of wanting to move in the next 10 years, FIRE...
Forum: Hi, I am... 01-11-2011, 05:42 PM
Replies: 13
Views: 2,086
Posted By Lusitan
Step 1 = get a job that pays the bills for you,...

Step 1 = get a job that pays the bills for you, your wife, and your child

Step 2 = spend less than you earn, while pursuing your other interests (the online business, real estate, etc.) and...
Forum: FIRE and Money 01-05-2011, 09:53 AM
Replies: 163
Views: 14,352
Posted By Lusitan
Just checked ... 18.5%

Just checked ... 18.5%
Forum: Young Dreamers 12-17-2010, 04:11 PM
Replies: 58
Views: 6,492
Posted By Lusitan
We're about the same age. I'm at gig #5 now,...

We're about the same age. I'm at gig #5 now, although I made a career change for this one. Wouldn't be surprised if I end up at gig #6 before long.

So, no -- for our generation, I don't think...
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