Recent content by mikeL

I've attached the relative valuation

The childrens social security will be for 8 years. It basically ends the same time as my life insurance ($500,000 for $1240/year) at age 70.5. I can't extend the policy.

I ran it and it said zero failed cycles.

Just tried two online sites. They say 76+77 years old.

Thanks for your point of view Dave. I see from your calculations that my wife and I would have collected 1.1 million up to age 95 with the 100% survivor option. I would collect 1.2 million if I live until 95 with the single life annuity. Non of us know of course how long we will live. My wife...

The day has finally come to claim my non-COLA, No lump sum available, megacorp pension. I'm finding the choice difficult to decide on. Single life annuity $2,868 50% survivor $2,330 a month beneficiary gets 1,165 66% survivor 2163 a month beneficiary gets 1442 75% survivor 2065 a month...

I always use a VPN in Miami. Did you read the part about the OP living outside the USA? Your only guessing about how Vanguard treats International accounts you don't have any actual experience. Do you? I do! That's why I have accounts with Fidelity, Schwab and Merrill Lynch. The OP isn't in...

You seem to have missed the crucial detail that the security department required proof that I lived in Florida that was unreasonable. Credit card statement and utilities bill. I was told that if I couldn't produce those things I would not be given access to my accounts. NOTHING ELSE I SAID...

Outside the USA Vanguard FAILS At 55 years old I got laid off. I sold my house in New England and move to Florida temporarily at my daughter's house. I was excited about the early retirement. I had no strings attached. No mortgage no credit card balances. For my first year I decided to live in...

I didn't try that option because I don't know how much I can leave. I'm trying to stress test it but so far I get 100% no matter what I try. :dance: I've removed my pension and social security and I still get 100% I've changed to 100% equity....100%. I guess it means I don't need to collect...

My wife is younger and has longevity in her family. I want to leave money to my children. Those are the reasons for the time frame. At 30 years:FIRECalc looked at the 114 possible 30 year periods in the available data, starting with a portfolio of $1,322,000 and spending your specified amounts...

Thanks for pointing out my mistake. I don't multiply the SS or pension by 12. I don't want to rent. I really want to get the house sold. Here is the corrected calculation Input Data for this model Withdrawals 24,000 Plan End 60 95% Rule from WorkLess, Live More* Percentage used for 95% Rule* 0...

RIGHT][/RIGHT] Things have changed considerably since I originally asked my question in 2007. We survived the Great recession. Wife became a US citizen. Delayed retirement until 55. Transfered to an International Expat assignment and ramped up salary and savings. Built a house in Thailand...

Now i need to begin working on asset allocation and I have to figure out who to do business with. I now have accounts with Fidelity, TD Ameritrade, T Rowe price. I am looking into how to minimize my expenses and be able to mange my accounts on the Internet. One important issue for me is to be...

I ran the numbers and they look good ( what did you see?) I just don't know if i can trust them. Because you indicated a future retirement date (2011), the withdrawals won't start until that year. Your contributions will continue until then. The tested period is 3 years of preretirement plus...