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Search: Posts Made By: vttlarry
Forum: FIRE and Money 09-24-2015, 11:58 AM
Replies: 36
Views: 3,704
Posted By vttlarry
Er'd in 2012, but in St. Cloud Sent from...

Er'd in 2012, but in St. Cloud


Sent from my iPad using Early Retirement Forum
Forum: Life after FIRE 03-03-2014, 02:52 PM
Replies: 169
Views: 16,410
Posted By vttlarry
I have a state pension with limited cola. Wife...

I have a state pension with limited cola. Wife has no pension but has IRA.
Forum: FIRE and Money 03-01-2014, 12:34 PM
Replies: 29
Views: 6,605
Posted By vttlarry
Sorry, hit send by mistake. We view our ira as a...

Sorry, hit send by mistake. We view our ira as a self insured hedge in the absence of LTC insurance, and for any really big purchase we might want. Because of our situation, we do not anticipate...
Forum: FIRE and Money 03-01-2014, 12:30 PM
Replies: 29
Views: 6,605
Posted By vttlarry
I have been retired for 30 months and my wife for...

I have been retired for 30 months and my wife for 21 months. We are quite fortunate that my pension alone meets expenses ( thanks to no debt and family retiree health plan). SS will add cushion. I...
Forum: Health and Early Retirement 10-13-2013, 01:47 PM
Replies: 5
Views: 1,041
Posted By vttlarry
Thanks. That is what I thought but I wanted a...

Thanks. That is what I thought but I wanted a second opinion.
Forum: Health and Early Retirement 10-13-2013, 10:12 AM
Replies: 5
Views: 1,041
Posted By vttlarry
PPACA question

Say you have a married couple. The wife is employed, earns $44,000 and receives single insurance coverage from her employer (family coverage is too expensive). The husband is employed, earns...
Forum: FIRE and Money 09-13-2013, 09:30 AM
Replies: 63
Views: 10,993
Posted By vttlarry
I have about a year of expenses at my ready. ...

I have about a year of expenses at my ready. Pension covers bills and SS in another year allows me to be more aggressive with my investments.
Forum: FIRE and Money 07-21-2013, 05:43 PM
Replies: 123
Views: 11,997
Posted By vttlarry
You bet: yes, we both contributed to SS.

You bet: yes, we both contributed to SS.
Forum: FIRE and Money 07-21-2013, 02:31 PM
Replies: 123
Views: 11,997
Posted By vttlarry
You bet: the cola limit applies to all retirees....

You bet: the cola limit applies to all retirees. I supported higher contributions even when I was still working. I will be the first to admit it is a very good pension for 5.5%.

The average...
Forum: FIRE and Money 07-21-2013, 01:18 PM
Replies: 123
Views: 11,997
Posted By vttlarry
MN made changes 3 years ago when the pension...

MN made changes 3 years ago when the pension funds had losses from the 08-09 markets. Changes included higher contributions and a cap of 1% on the cola. The rule of 90 (age plus years of service)...
Forum: FIRE and Money 07-21-2013, 01:01 PM
Replies: 123
Views: 11,997
Posted By vttlarry
Don't forget, when one doesn't get social...

Don't forget, when one doesn't get social security, it is because one did not contribute. That means no SS taxes were withheld either. One could have invested that amount over 25-35 years.
Forum: FIRE and Money 05-11-2013, 07:39 AM
Replies: 38
Views: 2,752
Posted By vttlarry
I can relate. I am a firm believer that while...

I can relate. I am a firm believer that while saving for the future is important, so is living in the present. No one has a gaurentee on tomorrow. Sounds to me that you are worlds above most young...
Forum: FIRE and Money 04-08-2013, 07:24 AM
Replies: 24
Views: 2,555
Posted By vttlarry
We are up about 12% since Sept. 2011, with this...

We are up about 12% since Sept. 2011, with this disclaimer: with pensions, savings, no debt (and SS a year away), we are fortunate to not need any withdrawals.
Forum: Hi, I am... 03-20-2013, 01:05 PM
Replies: 29
Views: 3,709
Posted By vttlarry
Aaron and Shorn: not everyone is super wealthy on...

Aaron and Shorn: not everyone is super wealthy on this board. The key is do the best you can and learn to improve. I would say having your house paid off in your 40's is a great start.

I retired...
Forum: FIRE and Money 02-01-2013, 10:39 AM
Replies: 65
Views: 9,540
Posted By vttlarry
One of the few here (government pension) and I do...

One of the few here (government pension) and I do feel fortunate..
Forum: FIRE and Money 01-31-2013, 11:03 AM
Replies: 87
Views: 8,497
Posted By vttlarry
here is a twist: my wife worked half the year...

here is a twist: my wife worked half the year but is covered on my plan, so nothing listed for health care on her W2. I am retired with a pension and full health care, but nothing listed on the...
Forum: FIRE and Money 01-24-2013, 10:28 AM
Replies: 1
Views: 968
Posted By vttlarry
Another Bond Question (lengthy)

There has been a lot of discussion and media attention on how bonds are going to plummet as inflation rises. I hear alot about focusing on short and more mid-range bonds and staying away from longer...
Forum: FIRE and Money 11-19-2012, 03:20 PM
Replies: 24
Views: 3,370
Posted By vttlarry
Just switched from ING Capital One to Ally last...

Just switched from ING Capital One to Ally last week.
Forum: FIRE and Money 11-13-2012, 10:27 AM
Replies: 19
Views: 2,765
Posted By vttlarry
I play the reward credit card game quite a bit. ...

I play the reward credit card game quite a bit.

Points that you have left in your account will likely be forfeited once you cancel.

Some will try a tough approach to get you to keep the card,...
Forum: Life after FIRE 09-24-2012, 12:51 PM
Replies: 123
Views: 22,549
Posted By vttlarry
1. Surprised how quickly new habits are formed. ...

1. Surprised how quickly new habits are formed.
2. I too like to start the day off with coffee and paper (online).
3. Still do not take my free time for granted.
4. So far, no financial...
Forum: FIRE and Money 09-24-2012, 10:44 AM
Replies: 25
Views: 3,338
Posted By vttlarry
I think I honestly started "thinking" about...

I think I honestly started "thinking" about retiring at least 10 years before I did. I then had a date in mind, my wife had a later date in mind, and we went with the later date.

Because I was a...
Forum: FIRE and Money 09-19-2012, 07:21 AM
Replies: 68
Views: 6,568
Posted By vttlarry
Bought 2012 Santa Fe in July. Did my research,...

Bought 2012 Santa Fe in July. Did my research, found an ad for exact options I wanted at a dealer 80 miles away, then took to local Hyundai dealer and asked if they could match the deal. They beat...
Forum: Hi, I am... 08-30-2012, 10:56 AM
Replies: 22
Views: 3,882
Posted By vttlarry
Welcome. You do, indeed, have a flair. The...

Welcome. You do, indeed, have a flair. The grind, as it were, is a motivator for many, if not most, to find a way to make it happen.

Not having the Sunday night blues is a great reward.

I was...
Forum: FIRE and Money 07-27-2012, 11:21 AM
Replies: 81
Views: 11,315
Posted By vttlarry
rbmrtn, a quick check of that site shows a 1.34%...

rbmrtn, a quick check of that site shows a 1.34% rate for 2 years. Have you seen something else?
Forum: FIRE and Money 07-27-2012, 08:33 AM
Replies: 81
Views: 11,315
Posted By vttlarry
obgyn, I might be interested in that rate as...

obgyn, I might be interested in that rate as well, if you are inclined.
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