Recent content by Olbidness

I had an 80 something neighbor that disapproved of me retiring at 55, he retired at 75. TBH he disapproved of just about everything thing I did and he felt at liberty to tell me so. He told me that the reason he retired at 75 was because he didn’t want his good mind to go to waste. I endured...

I’m suspicious of anything that I see as being politicized. That includes the misandrist meme of this thread.

I had a particularly nosey neighbor that didn’t approve of me retiring early. He told me the reason he retired at 75 was because he didn’t want his “good mind” to go to waste. I laughed out loud.

I just trimmed more of my stock position today, now 65/35. The government may decide to take it all after November so it might not matter what I do. Scary times indeed.

I’m no expert on early retirement as I’ve only been doing it a short time but I think it’s my nature to spend more during flush times and less during lean. I probably will be more likely to spend even more freely when my pension/SS begins. I have to encourage my mother to spend money on things...

That’s exactly what The data suggests, a variable WR, and then fall back to pension during during bad times (2001 or 2008) then return to OWR. My mother does this instinctively.

I read a article by Wade Pfau that made the point that there was a SWR and OWR (optimal withdrawal rate) . His data showed the OWR would be 7% if the retiree had a stable income source of a pension or SS. I have a family member that has had 7% withdrawal rate for over 30 years. I’m not saying...

I looked up the rate of return on the bond fund. It shows average daily rate YTD 3.03???

I follow 2 blogs that I’ll use as a rough guide gocurrycracker for the international travels and we’retherussos for the domestic. I’m going to try and do a hybrid of the two. I was able to travel the lower 48 14000 miles in 2018 and 2019 to Alaska and back for another 14k or so. 2020 is...

The rates on bonds are very low but my hope is to at least equal the inflation rate.

For almost all of the time I have been investing I only invested in stocks or stock funds with a small MM account. I’ve been transferring stock funds to a short term government bond fund. I’m still at a relatively aggressive AA 75/25 . Bonds are still a bit of a unknown but I’m aiming for less...

I’ve been adjusting my AA out of S&P index and into short term government bonds. I see people posting their AA in terms of Stock/bonds/cash. Is there any difference in risk between government bonds and say a checking account or MM account?

I remember my first interview for an ISO9000 compliance audit, a company representative standing behind the auditor mouthing the answers to the questions like a stage mom. SAP software so flawed that we referred to it as Stop. All. Progress. TQM Pareto charts, Xbar and R, upper control...

While I find the data interesting I don’t see particular value in wallowing in it. My response to the information is my focus. Acceptance of risk is not the same as not taking the situation seriously. As a stoic I work on my action items and remain unconcerned of the outcome. If that annoys...

Wow, it’s getting really scary in Texas! Not close to being overwhelmed at the moment. There are many regional medical facilities that are capable of handling COVID cases. My choice is Clear Lake where several of my doctors have treated astronauts. If they’re good enough for the NASA folks...