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Forum: Other topics 12-15-2020, 07:52 PM
Replies: 106
Views: 5,953
Posted By AginMS
I am looking really hard at ordering Land Roverís...

I am looking really hard at ordering Land Roverís new Defender. I know, I know, their reliability is terrible. But the heart wants what the heart wants.

Communicating with two dealers, and...
Forum: FIRE and Money 12-04-2020, 08:22 PM
Replies: 30
Views: 1,774
Posted By AginMS
My original plan was to retire at 58 with 14...

My original plan was to retire at 58 with 14 years of federal service -- so the MRA+10 path. But rather than take a 20% reduced pension at 58 (-5% for every year you draw the pension before 62) I...
Forum: FIRE and Money 10-28-2020, 07:08 PM
Replies: 148
Views: 18,104
Posted By AginMS
23 yrs AD, retired O-5 from the Navy in 2014. ...

23 yrs AD, retired O-5 from the Navy in 2014.

Started working in Oct Ď14 for the Navy as govt civil service. Originally planning ER in 2028 at age 58, now thinking about leaving at age 55 (two...
Forum: Hi, I am... 06-03-2020, 03:28 PM
Replies: 48
Views: 7,402
Posted By AginMS
Wow, what a crazy 2020 (so far!) Still, I...

Wow, what a crazy 2020 (so far!)

Still, I wanted to continue to document (more for myself than anything else) my journey to early retirement. Mid-March had me more than a little concerned, but...
Forum: Other topics 04-27-2020, 08:04 AM
Replies: 49
Views: 2,381
Posted By AginMS
Planet of the Humans - Michael Moore

Full disclosure, I havenít watched it, but I did see this rebuttal to the documentary:

https://ketanjoshi.co/2020/04/24/planet-of-the-humans-a-reheated-mess-of-lazy-old-myths/

And a short...
Forum: FIRE and Money 09-27-2019, 06:35 PM
Replies: 2
Views: 505
Posted By AginMS
Got it. Appreciate the clarification.

Got it. Appreciate the clarification.
Forum: FIRE and Money 09-27-2019, 10:13 AM
Replies: 2
Views: 505
Posted By AginMS
Backdoor Roth Question(s)

I have been thinking about trying to do a backdoor Roth conversion for a while. I've read several very good articles on the mechanics and pitfalls...
Forum: Hi, I am... 05-05-2019, 07:59 AM
Replies: 48
Views: 7,402
Posted By AginMS
Another year has gone by so I thought I would add...

Another year has gone by so I thought I would add to my story if for no other reason than to keep a mini personal diary of my journey to FIRE.

My wife received a 5.25% raise in February and I...
Forum: FIRE and Money 03-03-2019, 04:14 PM
Replies: 2,502
Views: 935,322
Posted By AginMS
,,

I am excited to post that DW and I have reached the 2 comma club -- Whoop! This is from a mix of cash, taxable, Roth, and TSP/401K accounts. We are still targeting retirement in 2028, and so far we...
Forum: Other topics 12-05-2018, 01:01 PM
Replies: 175
Views: 10,873
Posted By AginMS
Honda Very Disappointing

One more piece of information for CR-V owners dealing with excessive oil dilution, the states where the fix is being applied has expanded. Hereís the latest:
30074
Forum: Other topics 12-05-2018, 12:51 PM
Replies: 175
Views: 10,873
Posted By AginMS
https://youtu.be/nMX94zarLs4 Gas mixing with...

https://youtu.be/nMX94zarLs4

Gas mixing with oil is more common now with Direct Injection engines. To avoid the entirely would be difficult with todayís engines. Hereís a third party video...
Forum: Other topics 12-05-2018, 10:49 AM
Replies: 175
Views: 10,873
Posted By AginMS
Honda Very Disappointing

My wife and I purchased a 2018 CR-V EX-L with this 1.5L engine. We made the purchase knowing some owners were experiencing the oil dilution issues. The reason we decided to buy anyways was b/c...
Forum: FIRE and Money 09-22-2018, 07:12 PM
Replies: 120
Views: 9,986
Posted By AginMS
Kitces wrote a nice article about managing...

Kitces wrote a nice article about managing sequence of returns risk using a bucket vs rebalancing approach. He shows that rebalancing is a superior strategy if you can overcome the psychology of...
Forum: FIRE and Money 09-22-2018, 09:24 AM
Replies: 18
Views: 1,803
Posted By AginMS
When I first signed up I inadvertently punched in...

When I first signed up I inadvertently punched in a wrong number. Didnít mean to but because of that mistake Iíve never gotten a phone call.

I told my Dad about PC, but when he signed up for...
Forum: FIRE and Money 09-17-2018, 09:29 AM
Replies: 27
Views: 2,900
Posted By AginMS
If you only took 4% of whatever your assets were...

If you only took 4% of whatever your assets were each year you would never run out of money.

Even if you were down to your last dollar, you would only be taking out .04 cents that year.
Forum: Stock Picking and Market Strategy 07-27-2018, 08:27 AM
Replies: 59
Views: 5,837
Posted By AginMS
My view, backtesting is simply one more piece of...

My view, backtesting is simply one more piece of information I put in my calculus when researching whether to change my investing strategy or not. I don't ignore historical results, and I don't base...
Forum: Stock Picking and Market Strategy 07-26-2018, 04:19 PM
Replies: 59
Views: 5,837
Posted By AginMS
But it doesnít seem to me like alaska55 is cherry...

But it doesnít seem to me like alaska55 is cherry picking his backtesting. He looks back at the previous 32 years. If anything, it seems like you are are the one cherry picking to prove a point b/c...
Forum: Technology, Media & e-Gadgets 07-01-2018, 09:26 AM
Replies: 214
Views: 14,317
Posted By AginMS
Breaking Point Reached: Bye Bye to Windows

Sorry, you are right. I didnít mean for that to be taken so literally. But for the average user, in general, iMacs are more difficult to upgrade than PCs. And by upgrades, I am talking about...
Forum: Technology, Media & e-Gadgets 06-30-2018, 07:28 AM
Replies: 214
Views: 14,317
Posted By AginMS
To answer one of your questions, yes, it would be...

To answer one of your questions, yes, it would be dumb to buy a refurbished 17Ē Mac circa 2012.

We use both Mac and Windows. I prefer Windows, but the wife and kids prefer Mac. The Windows...
Forum: Hi, I am... 05-08-2018, 03:28 PM
Replies: 48
Views: 7,402
Posted By AginMS
Master Chief, Thanks for your kind words. ...

Master Chief,

Thanks for your kind words. Looks like you and your wife will have a great steady income stream of COLA'd pensions and SS, plus savings withdrawals. Curious if you plan to delay SS...
Forum: Hi, I am... 05-08-2018, 03:22 PM
Replies: 48
Views: 7,402
Posted By AginMS
I would agree with the first part of this - for...

I would agree with the first part of this - for me it was very hard to see any actual compounding results early on. Part of that was simply not having a lot to invest early on, and then the tech...
Forum: Hi, I am... 04-30-2018, 07:08 PM
Replies: 22
Views: 2,875
Posted By AginMS
Are you paying off the mortgage by putting more...

Are you paying off the mortgage by putting more toward the principle each month? IOT pay off $214K in 7 years youíll need to pay ~$2.5K/mo (plus taxes and insurance).

How much is your mortgage...
Forum: Hi, I am... 04-30-2018, 12:37 PM
Replies: 48
Views: 7,402
Posted By AginMS
Yes, fortunately we do have the Post 9-11 GI...

Yes, fortunately we do have the Post 9-11 GI Bill. We have it evenly allocated to both of my daughters. We haven't had to use any of it yet. Right now, it looks like if my oldest daughter...
Forum: Hi, I am... 04-29-2018, 09:16 AM
Replies: 48
Views: 7,402
Posted By AginMS
Well, it has been a year since I started this...

Well, it has been a year since I started this post so I thought I would look back and update where we are. Still enjoying the forum, topics, and posters immensely.

Thanks to an incredible 2017...
Forum: FIRE and Money 02-08-2018, 05:39 PM
Replies: 94
Views: 8,703
Posted By AginMS
Or option 3, for those of us not FIREd, continue...

Or option 3, for those of us not FIREd, continue to invest each month into the market and take advantage of dollar-cost-averaging.

Personally Iím happy to see the market finally pull back.
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