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Forum: FIRE and Money 05-25-2021, 04:43 PM
Replies: 56
Views: 5,371
Posted By ERhoosier
Agree 100% with the prior advice to NOT have $$...

Agree 100% with the prior advice to NOT have $$ in equities that you may need within the decade. You only get ONE shot to manage your nest egg. While the market has generally been going up nicely the...
Forum: FIRE and Money 05-12-2021, 09:25 AM
Replies: 73
Views: 5,345
Posted By ERhoosier
Budgeting? Are you askin' ME or the DW :laugh:...

Budgeting?
Are you askin' ME or the DW :laugh: :laugh: :laugh:
Forum: Health and Early Retirement 05-12-2021, 09:16 AM
Replies: 48
Views: 3,004
Posted By ERhoosier
SIRVA used to be a "compensable complication of...

SIRVA used to be a "compensable complication of vaccine administrations in the US under the National Vaccine Injury Compensation Program. Unfortunately, that feature was dropped earlier this year.
...
Forum: FIRE and Money 05-12-2021, 08:54 AM
Replies: 85
Views: 6,395
Posted By ERhoosier
I've lived in the same area for 30+ yrs. Housing...

I've lived in the same area for 30+ yrs. Housing costs have NEVER dropped, although the rate of price increases has fluctuated.
Forum: FIRE and Money 05-12-2021, 08:42 AM
Replies: 238
Views: 16,992
Posted By ERhoosier
One month does not a trend make, but what worries...

One month does not a trend make, but what worries me is the Fed folks seem to be totally discounting the frightening speed with which inflation can get out of hand. Whistling past the graveyard IMHO....
Forum: Travel Information 04-30-2021, 06:01 PM
Replies: 56
Views: 4,697
Posted By ERhoosier
I may have missed it FreeBear, but what kind of...

I may have missed it FreeBear, but what kind of mileage are you getting on your trip?


DW & I used to own a ClassB (van-size) MH back in the 90's and consistently got 10-11mpg on the highway...
Forum: FIRE and Money 04-30-2021, 05:25 PM
Replies: 69
Views: 4,748
Posted By ERhoosier
One group that still seems to hang out in and...

One group that still seems to hang out in and around big city malls- teen gangs. Yet another reason the traditional malls are in decline.


Agree 100% that some local businesses will continue to...
Forum: FIRE and Money 04-29-2021, 01:44 PM
Replies: 17
Views: 3,869
Posted By ERhoosier
Sounds like a busy FI (RE). Congrats!

Sounds like a busy FI (RE).

Congrats!
Forum: FIRE and Money 04-29-2021, 01:13 PM
Replies: 42
Views: 5,109
Posted By ERhoosier
WR really depends on your risk tolerance,...

WR really depends on your risk tolerance, starting nest egg, and life style you might be willing to scale back to if things don't go well. The longer one has in ER, the wider the financial cone of...
Forum: Life after FIRE 04-28-2021, 12:40 PM
Replies: 11
Views: 1,214
Posted By ERhoosier
lem1955...

lem1955 (https://www.early-retirement.org/forums/members/lem1955-7217.html)


I resemble your remarks ;D


I ERed 7 yrs ago, got bored, got recruited into consulting (by friend of a relative),...
Forum: Life after FIRE 04-28-2021, 11:54 AM
Replies: 64
Views: 2,928
Posted By ERhoosier
EWs are always a crap shoot. Not sure there is a...

EWs are always a crap shoot. Not sure there is a single 'right' answer. I've never bought any from a 3rd party (too many bad stories out there, including from some close relatives/friends). I have...
Forum: FIRE and Money 04-28-2021, 11:43 AM
Replies: 71
Views: 4,426
Posted By ERhoosier
I am mostly with Schwab and have been generally...

I am mostly with Schwab and have been generally happy with their service for 30+ yrs. Local office as well as competent on-line and phone support. Their index funds are now lower cost than almost...
Forum: Other topics 02-09-2021, 06:29 PM
Replies: 195
Views: 8,358
Posted By ERhoosier
I prefer NOT to shop at Amazon, and their Prime...

I prefer NOT to shop at Amazon, and their Prime 'service' is of no interest to me. Amazon prices are often not the best anymore either. But I keep getting Amazon gift cards from others (presents,...
Forum: FIRE and Money 02-03-2021, 08:20 AM
Replies: 82
Views: 9,888
Posted By ERhoosier
The spousal benefit is an interesting issue. My...

The spousal benefit is an interesting issue. My DW w@orked for 20yrs earlier in life but her personal 'benefit' from SS calculates to be a bit less than 50% of my benefit. So when we start drawing...
Forum: FIRE and Money 02-03-2021, 08:10 AM
Replies: 65
Views: 4,183
Posted By ERhoosier
Long time customer of both. Same 'asset class'...

Long time customer of both. Same 'asset class' at both. Service at Schwab is FAR better than Vanguard over past few years. The only reason I still have a Vanguard account is that my employer 401k...
Forum: Other topics 01-13-2021, 09:58 AM
Replies: 88
Views: 3,957
Posted By ERhoosier
I would NOT drywall the ceiling or any other...

I would NOT drywall the ceiling or any other points of utility access. I bought an older home with a very nicely finished (walk-out) basement, inc. textured drywall ceiling. Over the years I have...
Forum: Other topics 01-13-2021, 09:40 AM
Replies: 151
Views: 7,068
Posted By ERhoosier
Miss old j@b's decent Health Insurance. Still...

Miss old j@b's decent Health Insurance.
Still w@rking and present job's HI has a $4,600 deductible and $8,000 out of pocket max (IF I stay in network). VERY expensive 'bridge' to Medicare.
Forum: COVID-19 | Containment Area 01-02-2021, 09:53 PM
Replies: 3,398
Views: 167,468
Posted By ERhoosier
WaPo's COVID vaccination status website (linked...

WaPo's COVID vaccination status website (linked above) is providing their 'narrative' by ignoring important context. That is not "news" in my book, but largely an opinion piece. Which is fine but...
Forum: Hi, I am... 01-02-2021, 08:50 PM
Replies: 53
Views: 4,854
Posted By ERhoosier
I used to be a big Vanguard fan (40+ yr client),...

I used to be a big Vanguard fan (40+ yr client), but I find their service has gone markedly downhill lately. And their expenses are no longer lowest in the industry. I still have some assets there...
Forum: FIRE and Money 01-02-2021, 08:23 PM
Replies: 65
Views: 4,566
Posted By ERhoosier
I also view my AA in "fixed income" rather than...

I also view my AA in "fixed income" rather than "bonds" per se. I lump non-variable annuities, CV life insurance, CDs, etc. with my FI allocation. Along with a couple money market accounts I still...
Forum: COVID-19 | Containment Area 12-08-2020, 08:00 PM
Replies: 771
Views: 49,448
Posted By ERhoosier
Agree 100%. I have NO plans to fly anytime...

Agree 100%.
I have NO plans to fly anytime soon. And I only share a car with DW- no ride sharing for me these days.
Forum: Other topics 12-08-2020, 07:49 PM
Replies: 83
Views: 2,573
Posted By ERhoosier
THIS!!! Too many forget that nav apps are at...

THIS!!! Too many forget that nav apps are at best driver aids. NOT a substitute for proper driving. The one behind the wheel is ultimately responsible, including for navigating the vehicle.

I...
Forum: COVID-19 | Containment Area 11-24-2020, 05:22 PM
Replies: 13
Views: 649
Posted By ERhoosier
The utility of a single negative test is often...

The utility of a single negative test is often overstated. It does NOT guarantee that you are not infected at that point in time. Besides false negatives (more common in real world than lab studies...
Forum: FIRE and Money 11-24-2020, 04:56 PM
Replies: 109
Views: 6,557
Posted By ERhoosier
Late to the party here, but property taxes...

Late to the party here, but property taxes commonly go up after a home sale even without a big rise in the property's value. When I sold the first house I ever bought some four years later for the...
Forum: COVID-19 | Containment Area 11-17-2020, 08:28 PM
Replies: 245
Views: 14,487
Posted By ERhoosier
No big family Thanksgiving gathering this year. ...

No big family Thanksgiving gathering this year. First time for DW & I to miss going home (out of state) for turkey day in about 35 years.
Sad, but the rational thing to do. Lack of TRUE social...
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