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Forum: Travel Information 11-06-2020, 07:30 PM
Replies: 70
Views: 4,312
Posted By gcgang
https://www.mauinews.com/news/local-news/2020/11/p...

https://www.mauinews.com/news/local-news/2020/11/police-issue-more-face-mask-citations/

I didn’t realize you had to wear masks sedentary on beach. Misdemeanor w <$5k & 1yr. The warnings are...
Forum: Travel Information 10-26-2020, 10:53 AM
Replies: 70
Views: 4,312
Posted By gcgang
https://www.mauinews.com/news/local-news/2020/10/v...

https://www.mauinews.com/news/local-news/2020/10/vehicle-demonstration-at-airport-for-enhanced-covid-19-measures/

A small demonstration urging more defined procedures to cope with tourism on Maui....
Forum: FIRE and Money 10-24-2020, 03:45 AM
Replies: 893
Views: 101,665
Posted By gcgang
Nice link. Thanks, but no thanks. 1-2% more than...

Nice link. Thanks, but no thanks. 1-2% more than nothing not worth the risk, illiquidity and hassle to me.

Just did a Roth conversion. I doubt Iíll ever touch that money, so maybe Iíll invest...
Forum: Travel Information 10-24-2020, 02:57 AM
Replies: 70
Views: 4,312
Posted By gcgang
True dat! At Maui Country Club, since May 1,...

True dat!

At Maui Country Club, since May 1, we’ve actually ADDED 35 members, even after subtracting about 20 resignations. Some are like your Realtor, joined without ever visiting the club. ...
Forum: FIRE and Money 10-22-2020, 04:34 PM
Replies: 893
Views: 101,665
Posted By gcgang
What is a MYGA?

What is a MYGA?
Forum: FIRE and Money 10-22-2020, 03:58 PM
Replies: 893
Views: 101,665
Posted By gcgang
Ok all you CD ladderers. Iíve used my IRA as...

Ok all you CD ladderers.

Iíve used my IRA as fixed income, primarily 5 year laddering CDs. They are maturing and the rates my online broker offers range from 0.05% 0-1 year, up to 0.40% for 5...
Forum: FIRE and Money 09-08-2020, 10:54 AM
Replies: 76
Views: 3,812
Posted By gcgang
7.

7.
Forum: Life after FIRE 08-28-2020, 08:58 AM
Replies: 2,396
Views: 221,670
Posted By gcgang
A 4.9 could be any course handicap depending on...

A 4.9 could be any course handicap depending on the course rating and slope. In this case, it was a 6, while 4.5 was a 5. I understand the USGA Handicap Rules and why he gets a stroke.

But I...
Forum: Life after FIRE 08-28-2020, 06:29 AM
Replies: 2,396
Views: 221,670
Posted By gcgang
USGA Handicapping Sucks! Our club runs an...

USGA Handicapping Sucks!

Our club runs an 80% handicap Match Play.

After winning my first three matches, in the semis I play a friend who has a 4.9 index, my index is 4.5. Heads up no...
Forum: FIRE and Money 08-12-2020, 04:27 AM
Replies: 23
Views: 1,745
Posted By gcgang
Email. Very easy to enroll. But I figured there...

Email. Very easy to enroll. But I figured there must be a ďcatchĒ. - why wouldnít everyone want this?
Forum: FIRE and Money 08-11-2020, 01:16 PM
Replies: 23
Views: 1,745
Posted By gcgang
My impression was you still get 5% at WF...

My impression was you still get 5% at WF &AMZN.
Forum: FIRE and Money 08-11-2020, 12:51 PM
Replies: 23
Views: 1,745
Posted By gcgang
Amazon 4%

Just got offer to sign up to get 4% cash back on my existing Amazon Prime/Chase credit card where they’d normally only pay 1 or 2%. Currently I only use the card for Amazon.

I’m signing up,...
Forum: Stock Picking and Market Strategy 08-04-2020, 06:31 AM
Replies: 58
Views: 4,816
Posted By gcgang
Iím thinking of moving some of my brokerage cash...

Iím thinking of moving some of my brokerage cash into Tesla. The car, not the stock. Oh, this isnít the blow that dough thread?
Forum: Other topics 08-01-2020, 05:28 PM
Replies: 3,576
Views: 329,196
Posted By gcgang
Breath. Interesting examination of...

Breath.

Interesting examination of breathing techniques.

Makes case against mouth breathing, despite human evolution on how nose breathing is more difficult than in the past.

Finds...
Forum: FIRE and Money 08-01-2020, 01:00 PM
Replies: 687
Views: 46,099
Posted By gcgang
+2.5% ytd 55/20/20/5 aa.

+2.5% ytd 55/20/20/5 aa.
Forum: FIRE and Money 07-20-2020, 12:08 AM
Replies: 46
Views: 3,423
Posted By gcgang
Iím thinking of doing the same, looking at maxing...

Iím thinking of doing the same, looking at maxing 22% bracket. At current interest rates I might as well pay the taxes to government ASAP. An additional ďtaxĒ will be Medicare surcharge of about 3%...
Forum: Life after FIRE 07-18-2020, 06:27 PM
Replies: 2,396
Views: 221,670
Posted By gcgang
Donít like it. If no rakes and youíre in a...

Donít like it. If no rakes and youíre in a footprint or some other ďdamageĒ, just place it in a normal lie IN THE BUNKER.

Thatís what we do at courses that donít supply rakes. One course puts a...
Forum: FIRE and Money 06-24-2020, 02:23 PM
Replies: 893
Views: 101,665
Posted By gcgang
Iím maxed out at Ally, using the 11month no...

Iím maxed out at Ally, using the 11month no penalty at 1.35-1.50%. Looking for where to put additional funds.

Looked at CapOne. 1% on savings, less than that on CDs.

Doesnít seem worth the...
Forum: Life after FIRE 06-10-2020, 03:36 PM
Replies: 130
Views: 5,683
Posted By gcgang
I only make the bed on days I get out of it.

I only make the bed on days I get out of it.
Forum: Stock Picking and Market Strategy 06-10-2020, 01:59 PM
Replies: 86
Views: 4,410
Posted By gcgang
Ten bagger

AAPL just hit a ten bagger for me. Bought in March, 2010. Wish every stock I bought went up 10 times in ten years.

What 10 bagger+ investments have you had?
Forum: FIRE and Money 06-08-2020, 12:23 AM
Replies: 30
Views: 2,145
Posted By gcgang
S&Pís fastest 50 day gain in 90 years.

Everyone seems relieved the market has recovered,

Watching the Bloomberg. Headline - S&Pís fastest 50-day gain in 90 years.

Uh, 2020 minus 90= 1930. The brink of the Great Depression? Oh,...
Forum: Stock Picking and Market Strategy 06-07-2020, 11:48 PM
Replies: 12
Views: 999
Posted By gcgang
https://www.treasury.gov/resource-center/data-char...

https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield

I’m with the OP. I thought I used to understand TIPs. Now, I’m not sure.

I’ll bet...
Forum: FIRE and Money 05-31-2020, 01:06 AM
Replies: 687
Views: 46,099
Posted By gcgang
Holy moly! Only down -3.18%. Crisis? ...

Holy moly! Only down -3.18%.

Crisis? What crisis?

Thankful to be here. Going to incur some capital gains taxes by selling more equities.
Forum: FIRE and Money 05-13-2020, 11:09 PM
Replies: 101
Views: 8,249
Posted By gcgang
https://investor.vanguard.com/mutual-funds/profile...

https://investor.vanguard.com/mutual-funds/profile/overview/vsgdx

Rates have come down, a lot.

As of 3/31/20, 2.2 yr duration VSGDX had a YTM of 1.1%. The fund pretty much parallels the 2yr...
Forum: FIRE and Money 05-11-2020, 05:02 PM
Replies: 893
Views: 101,665
Posted By gcgang
+1 The FI returns we are getting excited...

+1

The FI returns we are getting excited about used to be rounding errors.
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