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  1. Semiretired2008

    Forum Ads

    Not sure if this is new or if everyone is seeing it or not, but - Why are some of the ads on the Forum in Chinese (could be Japanese)?
  2. Semiretired2008

    Inflation: CPI vs Flat - Pension w/ Portfolio Withdrawals

    Just wondering how everyone who has pensions and or SS, but also draws down on a portfolios handles this... Since your pension and or SS inflates at CPI (some pensions are not inflated), but you want a flat rate (let's say 3%) - do you withdraw from your portfolio to make up the difference or...
  3. Semiretired2008

    At what age did you become a saver

    Everyone had to start at some point in their life - when was your turning moment or did you start from the get go as a saver? Myself - in and out over my life. I started when I was twelve. My father asked me if I wanted an allowance - yep yep yep to that one... He took me down to Sears -...
  4. Semiretired2008

    Extreme Savers Retire by 40

    We like to talk about frugality - this article talks about people that take it to the extreme and I mean extreme. In my last few years of w*rking I was saving over half of my salary, but that was because of little to no debt to speak of - I could not have imagined doing it for 15 - 20 years...
  5. Semiretired2008

    Firecalcs Inflation Methods

    I understand CPI, but if you use a personally selected % for inflation does Firecalc use the assumed CPI for lets say SS and then withdraw from your portfolio to make up the difference? And how does it handle other Retirement Income that you input into the calculator?
  6. Semiretired2008

    Blocked content and redirects

    This only started yesterday, but now I am getting Mcafee blocking ads with potentially dangerous links and Firefox preventing redirects. Before, I got ads on the initial page, but when I signed in they went away, but now they are on both sides... Has something been changed? I have just...
  7. Semiretired2008

    SS Calculator Accuracy

    Has anyone been using the SS calculator for a few years, kept records and now are collecting SS and can say the accuracy of what it reported and what you are actually receiving. I had not checked the calculator for a few years, but the SS and Wine thread made me go check and update my personal...
  8. Semiretired2008

    Got a Request - Should I or Shouldn't I

    Fidelity's, Vanguard's, and FireCalc say I am 100% past age 90. My own where I ran 11 scenarios says worst case scenario I will run out at age 82, but will still have Social Security for myself and my wife, my AF Retirement, and a small disability payment (plus another small <$100 pension for...
  9. Semiretired2008

    Get Ready to Pay Sales Tax on Amazon in more states

    It seems Amazon is supporting the notion of taxing on-line purchases more and more as it is growing distribution centers across the nation, which increases its brick and mortar presence. "Amazon believes the sales tax issue needs to be resolved at the federal level and we're actively working...
  10. Semiretired2008

    Looks like flying may not get cheaper

    Looks like my vacation this year will not be cheaper after all... As Hedges Go Bust, Airlines Are Hit by Crude Drop - Yahoo! Finance
  11. Semiretired2008

    Passive Earned Income

    I want to pull the plug and just retire, but I want to keep contributions to my Roth going for at least a few more years - currently almost 56... Currently I have been Semi Retired since 2008 (easy to guess by my user name) and have been doing part time work that is diminishing unless I want...
  12. Semiretired2008

    Anyone switched to E-Cigs (PV's)

    About 8 - 9 months ago I quit smoking and took up vaping with electronic cigarettes (they like to call them personal vaporizers or PV's for short). I have improved oxygen processing levels, lowered BP, and I just breath a lot better. Has anyone else made this transition?
  13. Semiretired2008

    Retired Vet Medical Coverage Question

    I have done a lot of reading, but cannot find one thing - I think the answer is no, but I want to be sure. Does a retired military person need supplemental insurance? I have put into my retirement plan $3,000 a year to cover the cap on Tri-Care, but I want to make sure that there are not other...
  14. Semiretired2008

    Article questioning the 4% withdrawal rate for retirees

    I felt the article brought up a few good points - 1st how the 4% does not predict the unexpected and how it could make you live to frugally - all depending upon how retirement unfolds and how markets perform... 'Does the 4% Rule for Retirement Withdrawals Make Sense?' - Yahoo! Finance
  15. Semiretired2008

    Active Stock Trading

    Are there active traders among this group. I have thought about starting some discussions along this subject (methods utilized, styles, etc), but if there is no one else doing it then I would rather not go there - also it just may be a bad subject and do not really want to start a bad...
  16. Semiretired2008

    What inflation rates do you use

    When you are calculating your retirement needs and the life line of your money - What inflation rates are you applying to your pensions, SS, military retirement checks, etc? What inflation rates are you applying to your needs (budgets)? Myself, I built my own retirement calculator with...
  17. Semiretired2008

    Forum Protocol Question from New Person

    Since I am new I have a couple of questions? If you see comments in an ongoing thread and you want to ask questions - is it alright to ask them in there or should you start a new post? I do not want to derail a post by going in a different direction or lose the original posters concerns... I...
  18. Semiretired2008

    Hi - Semiretired here and wanted to introduce myself...

    Hi, just joined the forum. As the post and user name suggest - I am Semi Retired since 2008 (late 2007), I am 55 and we are empty nesters. Initially became semiretired because of the drop off in the economy. The company I was working for at the time needed to do cut backs and I volunteered...
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