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Search: Posts Made By: newtoseattle
Forum: Young Dreamers 12-14-2020, 09:54 AM
Replies: 20
Views: 2,492
Posted By newtoseattle
t shirt?

"if eeyore is your spirit animal you are doing something very wrong"

This is a wonderful quote - can someone make a t-shirt? :)
Forum: FIRE and Money 01-03-2020, 09:48 AM
Replies: 35
Views: 1,500
Posted By newtoseattle
can you make a single end of year extra payment?

I am still employed and just have my employer hold out a bit more taxes. It usually works. But I ended up with a much larger paycheck for december b/c of overtime. So I'm estimating I owe 3-4...
Forum: Health and Early Retirement 09-21-2019, 08:36 AM
Replies: 8
Views: 629
Posted By newtoseattle
Its just luck. They keep pushing the wire up and...

Its just luck. They keep pushing the wire up and down and taking pictures until it wanders into the correct one. There are different wire thicknesses, curves etc they can try until it goes in. But...
Forum: Stock Picking and Market Strategy 05-21-2019, 10:48 AM
Replies: 77
Views: 10,715
Posted By newtoseattle
I'm just curious how the firecalc data seems...

I'm just curious how the firecalc data seems different than "early retirement now" analysis that seems to show that "lower" (ie 50/50) AA has a much higher failure rate for 40 year retirement?

I...
Forum: FIRECalc support 08-31-2018, 06:58 PM
Replies: 4
Views: 1,361
Posted By newtoseattle
firecalc and spending - ? inflation adjusted

hello
I realize that in general withdrawals are assumed to be inflation adjusted over time.
But - if I choose a spending level in firecalc and then put retirement date for 10 years later - is the...
Forum: Other topics 08-29-2018, 04:14 PM
Replies: 10
Views: 866
Posted By newtoseattle
Museum of flight versus future of flight for aerospace-engineer-student-to-be

Hello
A family member of mine is visiting to check out UW's school of engineering. He has done quite well with his early community college - advanced math and science and really wants to study...
Forum: FIRE and Money 04-28-2018, 09:15 AM
Replies: 95
Views: 30,839
Posted By newtoseattle
I haven't completely decided but am considering...

I haven't completely decided but am considering trying to convert approx 50% total of pre tax accounts to Roth to the top of the 22 or 24% brackets in a couple years when I retire. I could do this...
Forum: FIRE Related Public Policy 11-02-2017, 03:49 PM
Replies: 311
Views: 26,467
Posted By newtoseattle
tax plan

Yes - of course, we will see how it ends up in the end. I'm all for a simpler system but wish we wouldn't increase the deficit... Anyways -

A couple things jumped out at me beyond some of the...
Forum: Other topics 07-05-2017, 06:06 PM
Replies: 127
Views: 8,199
Posted By newtoseattle
home chef and sun basket

I've used both home chef and sun basket.
On the one hand - I feel ridiculous knowing I could just go buy the ingredients and cook it myself for cheaper - but the reality is, I don't/didn't. So, for...
Forum: FIRE and Money 05-15-2017, 07:54 PM
Replies: 200
Views: 19,544
Posted By newtoseattle
I have been mentally putting aside 250,000$ for...

I have been mentally putting aside 250,000$ for us. My idea is that it is enough to relax and pay a long time for home health, or even a couple years for SNF and time for the other to sort out...
Forum: FIRE and Money 05-09-2017, 06:50 PM
Replies: 2
Views: 1,571
Posted By newtoseattle
variable annuity washington state asset protection

Hello all-
I've read the washington state law re: annuities and creditors. I get that up to $3000/month distribution is exempt from creditors.
What I can't understand in the language (I did read...
Forum: FIRE and Money 01-30-2017, 03:03 PM
Replies: 13
Views: 2,754
Posted By newtoseattle
Thank you all. I found this...

Thank you all.
I found this https://secure.ssa.gov/poms.nsf/lnx/0300605364
that seemed to help (a table from social security on how they value lump distributions-seems very generous (aka I wish I...
Forum: FIRE and Money 01-29-2017, 03:09 PM
Replies: 13
Views: 2,754
Posted By newtoseattle
? WEP - no pension

I worked for the California University system for several years. They did not contribute to social security but put money into a ?403k? I don't even remember what the account was. I also made some...
Forum: FIRE and Money 11-18-2016, 10:24 PM
Replies: 20
Views: 3,444
Posted By newtoseattle
thank you all for your responses. I've tried to...

thank you all for your responses. I've tried to download the calculator before.
on the site it says-

"Note that this Mac version will not work on a Mac running Lion or newer versions of the OS X...
Forum: FIRE and Money 11-17-2016, 06:11 PM
Replies: 20
Views: 3,444
Posted By newtoseattle
maybe clearer?

sorry -
realized that was completely incomprehensible.

so let me try with numbers

last year I guesstimated by eventual social security as
(118000* # of yrs worked)divided by 420=AIME

this...
Forum: FIRE and Money 11-17-2016, 05:37 PM
Replies: 20
Views: 3,444
Posted By newtoseattle
social security guesstimate

Hello
I have a MacBook and so the detailed social security calculator from the government site doesn't work for me.

Most of my social security contributions are in years I've made the max...
Forum: FIRE and Money 10-26-2016, 08:53 AM
Replies: 55
Views: 11,677
Posted By newtoseattle
? capital gains distributions

A bit off topic, but I think I see the hypothetical 200K in Wellesley and Wellington would have distributed about 12000$ in capital gains and actually ended the year down a couple thousand.

Is...
Forum: Travel Information 07-04-2016, 09:17 AM
Replies: 53
Views: 4,727
Posted By newtoseattle
naples

Have to say - I really like Naples. The subway system is finally workable and very nice. The plaza's and museums are great. I went on a wonderful food tour that we arranged at the last minute and it...
Forum: FIRE and Money 06-29-2016, 01:13 PM
Replies: 89
Views: 10,563
Posted By newtoseattle
Thank for everyone's thoughts. I certainly...

Thank for everyone's thoughts.
I certainly agree with just raising or eliminating the cap - I think I've read that will fix approx 70% of the deficit right there.

But, for me personally - I've...
Forum: FIRE and Money 06-28-2016, 07:45 PM
Replies: 89
Views: 10,563
Posted By newtoseattle
social security proposal

Wondered if anyone saw the Steve Vernon's column about another group's proposals to shore up social security. The part that really caught my eye - b/c I hadn't seen this proposed before - was
...
Forum: FIRE and Money 04-22-2016, 11:18 AM
Replies: 15
Views: 1,637
Posted By newtoseattle
Harvesting capital gains/losses

Ok. So I thought I was getting really clever by figuring out the harvesting of capital losses and I exchanged my broad international stock fund for a similar but actively managed fund about a month...
Forum: Other topics 03-06-2016, 02:37 PM
Replies: 6
Views: 1,207
Posted By newtoseattle
bracelet an excellent idea

Yes - most will ignore some piece of paper until there is family (or patient) can confirm that indeed that is their wishes. People change their mind frequently and there are often nuances that the...
Forum: FIRE and Money 02-28-2016, 10:19 AM
Replies: 23
Views: 3,082
Posted By newtoseattle
depreciation and real estate

Sorry to add on to this post - but I think relevant. We rented out our house the first year we owned it.

No idea when/if we'll sell at some point, but I've kind of been assuming the federal tax...
Forum: FIRE and Money 02-26-2016, 09:32 AM
Replies: 175
Views: 22,423
Posted By newtoseattle
bonds and dividends

Seems silly I don't know - but I was looking at year end tax stuff and I had never realized that bond funds also pay a dividend. I had thought that was just stocks.

When people talk about lower...
Forum: FIRE and Money 02-10-2016, 11:20 AM
Replies: 175
Views: 22,423
Posted By newtoseattle
yes - I think you are correct. It does not...

yes - I think you are correct. It does not account for sequence of return risk. (But, of course, the premise of the discussion was that the next 15 years would have the 2% real return)
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