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Forum: FIRE and Money 04-12-2021, 04:55 PM
Replies: 8
Views: 473
Posted By Retireby45ish
Yes I owned it for 3 years before selling. The...

Yes I owned it for 3 years before selling. The issue isn’t the immediate ACA implications as I’m not yet retired. The issue is for the new house. The question: Is it worth paying off in cash so I...
Forum: FIRE and Money 04-12-2021, 01:26 PM
Replies: 8
Views: 473
Posted By Retireby45ish
Thanks. Yes plenty of non retirement money...

Thanks. Yes plenty of non retirement money accessible.
We’ll have around 3M (not counting house cash) with 2.7 of that in taxable accounts.

I agree it’s more of a risk vs stable bet of paying...
Forum: FIRE and Money 04-12-2021, 12:09 PM
Replies: 8
Views: 473
Posted By Retireby45ish
mortgage or cash - for ACA

Hi all,

Had a question I wanted to run by everyone.
I will be selling my home and buying a new one. But I am also planning to retire in the next 2 years or so (at 44ish). A big part of that is...
Forum: FIRE and Money 03-26-2021, 10:53 AM
Replies: 52
Views: 4,694
Posted By Retireby45ish
Update. We had a full cash offer (with escalation...

Update. We had a full cash offer (with escalation up another 6% above ask if needed) within a day with just an inspection. Now they asked for 8k of credits based on wanting a deeper water well. I’m...
Forum: FIRE and Money 03-25-2021, 01:13 PM
Replies: 52
Views: 4,694
Posted By Retireby45ish
What area was this in? Crazy!

What area was this in? Crazy!
Forum: FIRE and Money 03-23-2021, 02:55 PM
Replies: 52
Views: 4,694
Posted By Retireby45ish
Wow, this thread is insane. As the OP of three...

Wow, this thread is insane. As the OP of three thread I’m still not sure what the answer is but it’s either going to be good to sit out for a year and rent and see…or really sad.

I just wonder...
Forum: Hi, I am... 03-19-2021, 03:37 PM
Replies: 16
Views: 2,038
Posted By Retireby45ish
Congrats. Curious why the wife started SS...

Congrats.

Curious why the wife started SS at 62 and you are starting at 70. Seems if you can put it off for one you can do so for both or vice versa?
Forum: FIRE and Money 03-16-2021, 07:10 PM
Replies: 45
Views: 4,642
Posted By Retireby45ish
I just want to know what he means by his last...

I just want to know what he means by his last sentence of “buy higher-returning, non-debt investment assets. “

stocks? Foreign stocks? What else does he mean???
Forum: FIRE and Money 03-12-2021, 10:44 AM
Replies: 21
Views: 1,098
Posted By Retireby45ish
Along the same lines as the question about buying...

Along the same lines as the question about buying land…eventually it becomes cheaper to buy land (outside Califórnia in places where you can actually get it) and build. From what I’ve read and been...
Forum: Technology, Media & e-Gadgets 03-12-2021, 08:26 AM
Replies: 7
Views: 441
Posted By Retireby45ish
It’s down. I just looked on Reddit (googled it)...

It’s down. I just looked on Reddit (googled it) and it has hundreds of people saying they same thing. Hopefully they will fix it soon.

It isn’t you..it’s them ;)
Forum: FIRE and Money 03-07-2021, 07:29 AM
Replies: 52
Views: 4,694
Posted By Retireby45ish
Thanks for the thoughts. Ok, so definitely No to...

Thanks for the thoughts. Ok, so definitely No to REITs. Got it.

Yeah, ideally I’d buy in the area I wanted now, but we haven’t actually lived there (just vacationed) so we want to make sure it’s...
Forum: FIRE and Money 03-06-2021, 09:26 PM
Replies: 52
Views: 4,694
Posted By Retireby45ish
Thanks for both your thoughts. I guess it’s...

Thanks for both your thoughts.

I guess it’s tough to paint a full picture of our financial background without writing a book. I already had about 20% of NW in cash before this. I’m working on...
Forum: FIRE and Money 03-06-2021, 08:28 PM
Replies: 52
Views: 4,694
Posted By Retireby45ish
House sold…now what?!

DW and I knew we wanted to move in about 1-2 years (max)…the family and situation we moved to this area for had changed so it was time to move on. But we also had bought in a pretty rural area where...
Forum: FIRE and Money 02-19-2021, 06:44 PM
Replies: 50
Views: 4,982
Posted By Retireby45ish
Risk of Sitting on Large (Long Term) Cap Gains?

If you don’t have much income then LTCG are taxed at very low rates up to a certain amount.

You can use this calculator below to check. It obviously depends on if you are doing Roth conversions...
Forum: FIRE and Money 02-11-2021, 05:19 PM
Replies: 56
Views: 5,792
Posted By Retireby45ish
Agreed. It’s total portfolio. Because remember...

Agreed. It’s total portfolio. Because remember when the portfolio pays out 40k in dividends the stocks go down by 40k on the ex dividend date. Equal to you selling 40k and being left with 960k if you...
Forum: Hi, I am... 01-09-2021, 03:09 PM
Replies: 23
Views: 1,206
Posted By Retireby45ish
Ah this makes sense. Missed that. Then...

Ah this makes sense. Missed that.
Then perhaps, for the ACA subsidy it might be worthwhile to rotate into funds with less distributions.

I’m currently thinking of this as I’m a few years away...
Forum: Hi, I am... 01-09-2021, 02:27 PM
Replies: 23
Views: 1,206
Posted By Retireby45ish
6% distributions (I assume dividends mostly) per...

6% distributions (I assume dividends mostly) per year is really high. I’d say something like 2-3% is more accurate, isn’t it?
Forum: FIRE and Money 01-07-2021, 08:02 PM
Replies: 16
Views: 995
Posted By Retireby45ish
The more TSLA stock owners who buy Teslas (not...

The more TSLA stock owners who buy Teslas (not BMWs), the more the company makes...the more the stock goes up...the more other stockholders make, etc etc. great business!
Forum: FIRE and Money 01-04-2021, 05:01 PM
Replies: 10
Views: 761
Posted By Retireby45ish
Moving from Stable Value/cash Back into Stocks

Agree with what others have said. But remember when you take this money out in a bunch of years it will hopefully be up, say, 350%. So will the fluxuation between now qnd March of, say, 5% matter...
Forum: FIRE and Money 01-01-2021, 09:20 AM
Replies: 6
Views: 387
Posted By Retireby45ish
Thanks for the thoughts (all who responded). The...

Thanks for the thoughts (all who responded). The family members are away for the 9 months before returning to the cottage. Then it would get pretty cramped so at that point we would look for a...
Forum: FIRE and Money 01-01-2021, 07:40 AM
Replies: 6
Views: 387
Posted By Retireby45ish
Invest proceeds from home sale

Hi all,

DW and I had planned to move to another state in about a year or so. We live in a more rural area where homes usually take 2-3 years to sell. However the market got hot here last year and...
Forum: Hi, I am... 12-19-2020, 04:13 PM
Replies: 46
Views: 4,239
Posted By Retireby45ish
I agree with the comment on not needing insurance...

I agree with the comment on not needing insurance in US if you will be there. If you do come back you should be able to apply for ACA, and if you plan income right get a subsidy to boot.
Not sure...
Forum: FIRE and Money 12-16-2020, 05:44 PM
Replies: 77
Views: 6,121
Posted By Retireby45ish
I think the main thing I’ve learned from those...

I think the main thing I’ve learned from those calculators is that the devil is in the inputs. If we use tweak the inflation or CPI or portfolio allocation other numbers by just a bit they have big...
Forum: FIRE and Money 12-14-2020, 10:06 AM
Replies: 6
Views: 525
Posted By Retireby45ish
Merging IRAs

I have a few little IRAs in a bank and wanted to move them all to fidelity. But I googled qnd read that you can’t move more than one IRA in a year. The language is vague, or I am dense. But is the...
Forum: FIRE and Money 12-10-2020, 07:07 AM
Replies: 17
Views: 890
Posted By Retireby45ish
For those of you who consolidated...do they ship...

For those of you who consolidated...do they ship the basis and other records over? I wanted to love everything to Fidelity. But I didn’t want any tax nightmares when I went to sell anything years...
Showing results 1 to 25 of 118
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