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Search: Posts Made By: TuborgP
Forum: FIRE and Money 09-30-2018, 01:14 PM
Replies: 61
Views: 5,533
Posted By TuborgP
Very true. That's one of the reasons I try to...

Very true. That's one of the reasons I try to stay 65% ish on equities and am pouring excess income into investments. Gotta be prepared for reasonably could be a 25% hit in pensions, SS or both. Non...
Forum: FIRE and Money 09-30-2018, 05:51 AM
Replies: 61
Views: 5,533
Posted By TuborgP
Now retired just over ten years. Both wife and I...

Now retired just over ten years. Both wife and I have pensions. Debated this question for awhile and came to the conclusion NO. Fixed income is just that income and not a investment. This is...
Forum: FIRE and Money 07-12-2018, 03:45 PM
Replies: 172
Views: 14,546
Posted By TuborgP
Yes 2 million in Umbrella

Yes 2 million in Umbrella
Forum: FIRE and Money 10-28-2017, 05:34 AM
Replies: 57
Views: 9,113
Posted By TuborgP
I say with great pride that we are almost 70 and...

I say with great pride that we are almost 70 and in the 28th tax bracket. Paying more than we need to wasn’t a goal but needing to was.
Forum: Active Investing, Market Strategies & Alternative Assets 02-10-2017, 01:43 PM
Replies: 61
Views: 8,261
Posted By TuborgP
Almost a year ago Vanguard started a managed bond...

Almost a year ago Vanguard started a managed bond fund called Core Bond fund. I was in day 1 and also have their bond index fund. I am waiting for yearly results to compare. Some of the various...
Forum: Active Investing, Market Strategies & Alternative Assets 02-10-2017, 10:28 AM
Replies: 61
Views: 8,261
Posted By TuborgP
There is a school of thought that suggests a...

There is a school of thought that suggests a managed bond fund can adapt better to a rising rate environment. The question is does that hoped for better return exceed the additional increase in cost.
Forum: FIRE and Money 12-28-2015, 07:49 PM
Replies: 26
Views: 4,314
Posted By TuborgP
We each had pensions and each went with the 100...

We each had pensions and each went with the 100 percent survivor benefit. It resulted in a 17 percent pension reduction for each of us. We also are doing the 62/70 SS benefit with me taking spousal...
Forum: FIRE and Money 09-13-2014, 03:15 PM
Replies: 847
Views: 111,046
Posted By TuborgP
Many of our neighbors are transplants mostly...

Many of our neighbors are transplants mostly younger many from where we came they can figure things out and hope to be is one day. We are still investing it is the second home at the beach and always...
Forum: FIRE and Money 09-13-2014, 02:35 PM
Replies: 847
Views: 111,046
Posted By TuborgP
This can really occur when you retire and...

This can really occur when you retire and transplant from a high COL area to a more moderate one. Especially if you have both pensions and investments earned and saved based on a higher income scale....
Forum: FIRE and Money 09-01-2014, 02:25 PM
Replies: 55
Views: 6,197
Posted By TuborgP
Bada bing Sent from my iPhone using...

Bada bing



Sent from my iPhone using Early Retirement Forum
Forum: FIRE and Money 09-01-2014, 01:48 PM
Replies: 55
Views: 6,197
Posted By TuborgP
Two good pensions with one full SS and one...

Two good pensions with one full SS and one spousal. The spousal will become a full benefit in 3 1/2 years at 70. Still saving and that will pick up even more at. 70. We are blessed




Sent...
Forum: FIRE and Money 07-03-2014, 02:34 PM
Replies: 81
Views: 17,748
Posted By TuborgP
That's it in a nut shell and the classic power of...

That's it in a nut shell and the classic power of compounding example.


Sent from my iPad using Early Retirement Forum
Forum: FIRE and Money 06-21-2014, 08:34 AM
Replies: 77
Views: 8,787
Posted By TuborgP
We had a short term bucket but as you accurately...

We had a short term bucket but as you accurately note it was pension and subsequent SS that eased any pain from being severe. actually came out ahead because the real estate bubble enabled us to buy...
Forum: FIRE and Money 06-21-2014, 06:47 AM
Replies: 77
Views: 8,787
Posted By TuborgP
We retired early on Jan 1 2008. Fortunately we...

We retired early on Jan 1 2008. Fortunately we had pensions and adequate cash holdings. A tad frightening then as we were and still are heavy equities. Started the first leg of 62/70 SS strategy a...
Forum: FIRE and Money 06-20-2014, 06:46 PM
Replies: 33
Views: 6,459
Posted By TuborgP
Vanguard: Retirement Income Among Wealther Retirees

No I didn't know about your experience I was talking about mine and more neighborhood and youth activity oriented than work. Neighborhood because it really involved a family perspective of both...
Forum: FIRE and Money 06-20-2014, 06:06 PM
Replies: 33
Views: 6,459
Posted By TuborgP
Vanguard: Retirement Income Among Wealther Retirees

My experience is that the three legged stool and wealth transfer to family is correlated with education level? The finial perspective of friends and neighbors can play a role. Peer pressure and...
Forum: FIRE and Money 06-07-2014, 09:16 AM
Replies: 33
Views: 6,459
Posted By TuborgP
Vanguard: Retirement Income Among Wealther Retirees

Lot of truth in the article. Our pensions form a very nice retirement income. Having done the 62/70 SS strategy and now collecting spousal at 66 and my full age 70 benefit (close to max) our...
Forum: FIRE and Money 06-07-2014, 09:08 AM
Replies: 100
Views: 13,090
Posted By TuborgP
No guilt at all and we get two pensions and two...

No guilt at all and we get two pensions and two SS checks and this time of year spend a lot of time on the beach. Had to have done a lot to reach this point. We realize we are blessed and had good...
Forum: FIRE and Money 05-25-2014, 06:18 PM
Replies: 22
Views: 4,876
Posted By TuborgP
Been there done that regarding this question....

Been there done that regarding this question. Prior to retiring did the analytical thing talked to others in similar situation. Took the 100 percent survivor for each of our pensions. Why? Our two...
Forum: FIRE and Money 04-20-2014, 11:56 AM
Replies: 70
Views: 8,965
Posted By TuborgP
Have it on daily whe home if only in the...

Have it on daily whe home if only in the background. Being retired and knowing who has value and who doesn't helps. I can always scan back. Volume goes down when they get political or fund managers...
Forum: FIRE and Money 04-19-2014, 06:09 PM
Replies: 16
Views: 3,019
Posted By TuborgP
This is exactly what we have done. This is not...

This is exactly what we have done. This is not file and suspend and is often called the 62/70 strategy. The key thing is that my wife's benefit at age 62 is greater than half my benefit at 70. There...
Forum: FIRE and Money 03-09-2014, 01:34 PM
Replies: 53
Views: 6,156
Posted By TuborgP
I retired effective Jan 1 from a public sector...

I retired effective Jan 1 from a public sector job. I was able to cash out my vacation days and was able to dump most of it in my retirement account for the next year. It covered my annual...
Forum: FIRE and Money 11-07-2013, 05:31 PM
Replies: 53
Views: 5,131
Posted By TuborgP
This s us for the same reasons. Planned to age 94...

This s us for the same reasons. Planned to age 94 with the possibility of a 25 percent public pension reduction for each os along with SS. It is means testing that has me wondering. Will be 66 and...
Forum: FIRE and Money 09-28-2013, 10:41 AM
Replies: 53
Views: 6,316
Posted By TuborgP
If you have multiple cards it can be helpful to...

If you have multiple cards it can be helpful to use them for specific purposes. It helps fraud control to detect unusual activity for that card. When registering for a hotel it can let them know you...
Forum: FIRE and Money 09-07-2013, 01:42 PM
Replies: 130
Views: 16,754
Posted By TuborgP
[QUOTE="TuborgP;1355556"] We are in a Golden...

[QUOTE="TuborgP;1355556"]

We are in a Golden situation similar to what you are talking about. We retired a little over five years ago with combined pensions in the 80's which are now in the 90's....
Showing results 1 to 25 of 68

 
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