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Forum: FIRECalc support 04-18-2015, 10:09 AM
Replies: 5
Views: 1,617
Posted By Mysto
I thought so too but if I increase the spending...

I thought so too but if I increase the spending to 20K for example the situation changes.

10 years 200K
20 years 104K

?
Forum: FIRECalc support 04-18-2015, 09:48 AM
Replies: 5
Views: 1,617
Posted By Mysto
10 vs. 20 ?

I am curious why failure rates increase (smaller balance) with shorter time periods.

Example:
Spending $10K a year
Portfolio $500K
20 Years.
Portfolio 50% Stocks 50% Commercial Paper.
...
Forum: FIRE and Money 12-09-2011, 10:59 AM
Replies: 45
Views: 4,741
Posted By Mysto
Some areas are a lot more than a decade. We just...

Some areas are a lot more than a decade. We just bought a condo in Sun City Center FL for 65K. The original owners bought it for 87K in 1987.
Forum: FIRE and Money 10-31-2011, 02:33 PM
Replies: 74
Views: 5,655
Posted By Mysto
I'm not any dumberer than I was before I were 60....

I'm not any dumberer than I was before I were 60. In fact, I was dumberest in my 20s and 30s!

Seriously, I'm 67 in two months and I feel confident in my ability to leave my assets alone and let...
Forum: FIRE and Money 08-14-2011, 09:00 AM
Replies: 3
Views: 1,592
Posted By Mysto
This will be our (hopefully) final home. If it...

This will be our (hopefully) final home. If it goes as planned - the next step will be the drool factory or peaceful valley. We are older than some of the group here so we are planning an additional...
Forum: FIRE and Money 08-14-2011, 07:41 AM
Replies: 3
Views: 1,592
Posted By Mysto
Sinking Funds

Just bought a new (for me) condo in FL. We've always kept a sinking fund for household/vehicle repairs but we've added a lot of new (possible) expenses. Golf cart (our first) garage door (always...
Forum: FIRE and Money 06-20-2011, 01:48 PM
Replies: 22
Views: 3,304
Posted By Mysto
Ziggy I have no intention of getting into a p...

Ziggy I have no intention of getting into a p match with you. The truth is that current baby boomers have already made a sacrifice in 1983. Our contribution increased and our benifits were cut. ...
Forum: FIRE and Money 06-20-2011, 01:24 PM
Replies: 22
Views: 3,304
Posted By Mysto
Sorry - it doesn't fly - The fixes for the baby...

Sorry - it doesn't fly - The fixes for the baby boomers were made in 1983. That was good for 75 years based on known baby boomer population. Congress said so. So it's not really demographics -...
Forum: FIRE and Money 06-20-2011, 12:26 PM
Replies: 22
Views: 3,304
Posted By Mysto
I love all the arguments about how cutting...

I love all the arguments about how cutting current SS benefits will "save" SS. SS is in its current state because congress spent the money. If there is any savings by cutting benefits congress will...
Forum: FIRE and Money 12-30-2010, 07:14 AM
Replies: 5
Views: 1,497
Posted By Mysto
Condo Trap and Double Dip

Major problems with condos for 2011

Four Real Estate Market Predictions for Homebuyers in 2011 (https://www.walletpop.com/2010/12/28/4-real-estate-market-predictions-for-home-buyers-in-2011/)
...
Forum: FIRE and Money 08-14-2010, 05:59 AM
Replies: 212
Views: 21,282
Posted By Mysto
I agree with nun. Recently I had a younger...

I agree with nun. Recently I had a younger friend parrot the popular mantra on SS. It's a scam! It won't be there when I get there. I could do better with the money myself.

I asked him about...
Forum: FIRE and Money 06-23-2010, 12:34 PM
Replies: 21
Views: 3,248
Posted By Mysto
Personal Inflation Rate

I am going over my retirement expense budget. We are looking at a permanent move and wanted to see the effects on our retirement plan. I'm finding a disturbing trend. Our personal rate of inflation...
Forum: FIRE and Money 06-13-2010, 05:39 AM
Replies: 33
Views: 4,162
Posted By Mysto
Experts - Has your view changed?

I find that now, when I watch or read financial information from the experts, I tend to discard most of it. All I can think is that we just went through the most significant financial event since...
Forum: FIRE and Money 06-13-2010, 05:30 AM
Replies: 46
Views: 38,318
Posted By Mysto
Several members of the board have used the...

Several members of the board have used the "bucket" approach to their thinking of asset allocation. Yes a rose by any other name.... but I found that Lucias book made me think a little differently...
Forum: Life after FIRE 04-03-2010, 05:43 AM
Replies: 21
Views: 5,308
Posted By Mysto
Thanks for the thoughts. Kroeran, the health...

Thanks for the thoughts.
Kroeran, the health risk is one that is on my mind. But I guess that it exists for everyone that is not living close to family. There are so many things to consider. ...
Forum: Life after FIRE 04-01-2010, 11:55 AM
Replies: 21
Views: 5,308
Posted By Mysto
Rent vs. Buy House

No this isn't a new thread about the finance aspects of rent or own:laugh:

We currently own a home in Michigan. We have been leasing a snowbird residence in Florida. We are now staying 7 months...
Forum: FIRE and Money 04-01-2010, 05:47 AM
Replies: 6
Views: 1,670
Posted By Mysto
I'm the one that got the boot. They wanted to...

I'm the one that got the boot. They wanted to send my savings account to Discovery bank. When I called I found out it was because my brokerage account wasn't active. I have been an ETrade bank...
Forum: FIRE and Money 02-10-2010, 12:26 PM
Replies: 18
Views: 4,651
Posted By Mysto
Heads up for the other etrade bank guys - I...

Heads up for the other etrade bank guys - I called etrade bank - I'm being dumped (my words not theirs) because my brokerage account is inactive and I am not maintaining a high balance. I have moved...
Forum: FIRE and Money 02-10-2010, 12:08 PM
Replies: 18
Views: 4,651
Posted By Mysto
Here's the email I received - It states that only...

Here's the email I received - It states that only the online SAVINGS account is moving but I can't see how they would keep the checking and move the more lucrative savings:

We are writing to let...
Forum: FIRE and Money 02-10-2010, 07:37 AM
Replies: 18
Views: 4,651
Posted By Mysto
Etrade Bank Ending Savings - Looking for New Online Bank

Etrade Bank sent me an email telling me that they were transferring my savings account to Discovery Bank next month. They have not announced anything about the checking account but I feel that it...
Forum: FIRE and Money 11-29-2009, 06:22 AM
Replies: 2
Views: 1,644
Posted By Mysto
I don't think I trust this author. Etrade Bank...

I don't think I trust this author. Etrade Bank has had zero liability and a password pendant for some time.
Forum: FIRE and Money 10-06-2009, 06:14 AM
Replies: 115
Views: 11,898
Posted By Mysto
I think a person's view of a CC is their view and...

I think a person's view of a CC is their view and is OK with me. I, for one, like my CC. I always pay full on time and have never paid any interest or fees (rather than the cc company not liking me...
Forum: FIRE and Money 09-21-2009, 01:39 PM
Replies: 22
Views: 3,384
Posted By Mysto
The article is correct. 65 year old male gets...

The article is correct. 65 year old male gets about 7.9%. You are right though, a joint annuity pays about 5% for the same age group.

Rich - you forgot foreign and gold - You'll need at least...
Forum: FIRE and Money 09-21-2009, 05:57 AM
Replies: 22
Views: 3,384
Posted By Mysto
A Variable Annuity that Works

From 3 strategies to guarantee income in retirement - Sep. 21, 2009 (https://money.cnn.com/2009/09/21/retirement/retirement_income.moneymag/index.htm?postversion=2009092104) This is the way to make a...
Forum: FIRE and Money 09-15-2009, 02:39 PM
Replies: 12
Views: 1,937
Posted By Mysto
Reward CC not going anywhere

With all the concern that the new rules on Credit Cards would limit or end rewards for those of us that don't carry a balance I may have good news.

I just got a notice from Capital One on my...
Showing results 1 to 25 of 206

 
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