Recent content by smjsl

Interesting thread. (underlining / highlighting is mine) After reading the link from REWahoo, I wonder if you actually should... ? In other words, the plaintiff may consider insurance coverage as something you would easily give up (and you just might), and offer to settle up to that amount...

+1 Folks in this forum have more time than those working to do this sort of thing. P.S. And... you don't have to contact just reps in YOUR district. You could contact any and every rep in the country.

When you pay 26%, your actual AMT true marginal rate is 26*1.25 or 32.5% because of how exemption is calculated. I.e. for each extra $1, exemption is reduced in addition to the tax of 26%. You could try adding $100 to your income if you want to see that effect. Have not checked for a couple...

Inspired by a thread on sweet spot for which car to buy, this one is for when you decide to get rid of one? I suppose one approach is when yearly repair expenses reach a certain point... ? But when something major breaks, I imagine you have to have an expensive fix anyway before upgrade in...

Thanks again, folks. Interesting finds. CMFG life does not give as good of a price but looks like it's better in terms of covering deflation. The link above did not get me to WI form. Could you let me know how you found it?

Thank you for the replies, folks. I am interested in CPI-U adjusted SPIA and want to make sure there are no caps on CPI-U increases or what happens if the index goes away. I plan to buy directly from a company or via Vanguard / Fidelity, and when I had asked Vanguard, they said I would only...

Hi folks, have you ever had a professional review an SPIA contract? I was told I'd have 7 days after SPIA purchase to review the contract and back out and I wonder if I need to line up someone for that period of time. Apparently I can't get a sample contract prior to purchase.

I see. So, basically, it goes something like: X: I don't want to go on that expensive trip costing us $Y on its own - we don't have the money for it since we are already on track to spend $2Y this year. I don't think we really need it... P: I make $5Y/year, I'll be happy to pay for it for both...

Regarding the question of whether FUEGO can be called "retired", question for those that say "no"... What about this situation: a single person X stops working completely and lives off of their investments on $Y/year; i.e. the less controversial definition of "retirement". Then, they meet a...

I normally count Roth @100%, 401k @75%, taxable @90%, stock options @50% (and at a relatively low price, not current one usually). I use these factors for both AA and NW calculations.

I have not done this but one advantage to not doing that is that you can do manual transfer once per year as I recall and trustee-to-trustee transfer any number of times, so if you have say 3 CDs you want to transfer, you could use the former only once (unless you wait for all of them to mature...

obgyn65, do you mind sharing what deferred annuities you are buying. I've been staying away due to general perception of too-high-fees, but taxes hurt a lot :-( Sorry if this was discussed in another thread.

newbie question: what defines the "floor" / "success" in these methods? I.e. how do you know if it's likely (and how likely?) to produce "too low" of an outcome? In other words, since we know that withdrawing 99% of remaining portfolio every year will never run out of money (except quickly...

For some reason, I assumed average retirement age in US was around 65... According to this article Average US Retirement Age Is 61 And Rising , it used to be 57 in the 90s and now is climbing to 61...

+1 I also find that whenever I can compute same thing in two ways, I do so, and put in "Check" fields that have to be either green 0 or red non-zero. (I use conditional formatting for the fonts of these Check fields and then just copy paste this formatting to all other "check" fields. I found a...