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  1. M

    Expense Spreadsheet

    Can't figure out how to post on Bogleheads forum, so I am posting here and will link to it from BH. I got this here and used it for 3 years. It was very useful.
  2. M

    What is the opposite of FIRE?

    Check out this story. 102 year old finally retires. 102-year-old worker calling it quits - TODAY People - TODAY.com What do you think her SWR should be? :angel:
  3. M

    Time to buy a replacement car

    We are FIREd for 4 years now. We weathered the rollercoaster ride and are still within our comfort zone (i.e things are going as planned). Here is the issue; We have a 1998 BMW that we bought used about 8 years ago (to the best of my recollection). It's probably worth about $4K or so...
  4. M

    79% interest rate on credit card

    OK, where is the government regulations protecting us? For real: A 79.9% interest credit card- Smart Spending - MSN Money It's time for us citizens to start writing our congressmen/women and complain. We get what we 'settle for'. This really p*sses me off, even though I pay off my cards...
  5. M

    Best Travel Store website

    I am planning my trip to Asia and would like to know if anyone has ever used the Best Travel Store website or has even heard of or seen it. I stumbled onto this site and found it gave me one of the cheapest and best travel alternatives (by far) for my selected trip. Never having used it or...
  6. M

    Free Tax Return Service

    Last year someone had posted a link to (I think Tax-Act) for an (absolutely) free tax return service. Anyone have anything similar for this year? I see Turbo Tax and HR Block have free for under AGI of 59K and fees for above that. Being FIREd and cheap, I am looking for the cheapest...
  7. M

    BP down to 128/72

    I was watching a rerun of Oprah last night and saw Dr. Oz ... he said the most important indicator of longevity was a normal blood pressure. So I got my cuff out and took my bp. It was down from 'normal' 135ish/80 to 128/72. Which is what I had when I was in my 30's. After just a bit...
  8. M

    > 1 year and counting

    [celebrate on] I've been having sooooo much fun, I actually blew by it and forgot, until my DW reminded me today. As of July 1st I am 1 year FIREd. WOW ... it's better than I ever imagined. Happier, healthier, content ... and having the most fun one can with one's clothes on. ;D Plan...
  9. M

    VG vs. Fidelity : exp ratio comparisons?

    Has anyone done an analysis of VG versus Fidelity expense ratios for their different index (or any other) funds? I'm looking at a place to park my 401k to Roth IRA account funds. Thanks.
  10. M

    IRA to Roth Conversion - another question

    A question on IRA to Roth conversion when you reach 70 1/2 and have to take RMDs from the IRA. 1) can you convert IRA funds to Roth after you reach 70 1/2 2) If you want to convert more IRA money to a Roth after you reach 70 1/2, does the amount you convert have to be in addition to the RMD...
  11. M

    What's Bob Brinker the DMT Saying these Days?

    My subscription lapsed last Dec and I did not renew. Is Bob still looking at below 1450 on the S&P 500 as a buying point? Just curious (and cheap >:D). Thanks.
  12. M

    Back Problems - Treating With Advil

    I am continuing to have chronic back pain. It's now a tightness in the lower back, upper buttocks area. Sometimes the tightness moves to the lower thighs (sometimes one side, sometimes the other). I have had extensive (14 weeks) of PT and it made thing much better (to the tightness stage, I am...
  13. M

    CA real estate practices: Buyers paying a commission

    I had a conversation with my daughter who now lives in CA. She told me that when buying a house, you, as the buyer, have to pay a real estate agent a 2.5% commission. I have never run across this in either IL or CT. Typically the seller pays (6% of the selling price) the commission on the...
  14. M

    Thoughts on Why We Do This

    I copied this off of the MSN forum. I was not sure where to post this, but I thought that it is an entertaining and an educational piece. It might be something to keep in mind as the younger (and older) FIRE forum participants 'go for the golden ring'. I think one of the morals to this story...
  15. M

    FDA says food from cloned animals is safe

    Is anyone as concerned about eating cloned cow meat as I am? FDA says clones are safe for food - Washington Post - MSNBC.com Concerned might be the wrong word. Scared sh*tless is closer to the right phrase. Not so much because it is cloned (it's probably fine to eat) but because THEY are once...
  16. M

    6 Months FIREd: An Update

    I have crossed the 6 month mark of being FIREd. I am still grinning from ear to ear. I am too busy (and don't have the inclination) to answer the question 'what do you do all day?'. My friends and former colleagues still can't believe I did this and are starting to really become envious now that...
  17. M

    401K vs. IRA Question

    I have the bulk of my investments (over 60%) in my 401K. I believe there is an estate inheritance distribution reason for moving this from my 401K to an IRA. I am one of the fortunates who unfortunately have to take into consideration estate planning (if my calculations using current course...
  18. M

    SS and Pension Payments

    Does anyone know if pensions count towards 'income' when it comes to Social Security 'take aways' (i.e. $1 deduct from SS payment for every $2 earned)? Or is it NOT earned income? It would be a bummer if it is counted. It seems that they have a bunch of ways to [-]keep your grubby hands off of...
  19. M

    Banking Overseas

    What is the best way to transfer/hold a sizeable (say $9K, so we are below the radar of gov'ment, not because anything illegal is going on... but because I try to avoid any unnecessary hassles) amount of money while we are living in a foreign country (like Taiwan, for instance) for about 5...
  20. M

    Got This Message - why?

    http://www.early-retirement.org/forums/f28/dividend-growth-versus-liquidation-29961.html megacorp-firee, you do not have permission to access this page. This could be due to one of several reasons: Your user account may not have sufficient privileges to access this page. Are you trying to...
  21. M

    Real Estate in your IRA

    I saw an ad (don't know who, and I tossed the newspaper) about buying and holding real estate within your IRA. Does anyone know if this is advisable and easy to do? It sounds too good to be true. Thanks.
  22. M

    FIREd today. Thanks!

    I have just finished my last workday. After 30 years, I am now retired. Thanks to all on this board for helping me with your advice and support. I would not have done it without a ton more angst and stress without you. In one small cyberspace, you have a wealth of talent and knowledge that any...
  23. M

    401K Conversion To IRA In A Living Trust

    I have searched the forum and can't find the answer to my question. I was told that I should convert my 401K to an IRA instead of keeping it in 401K after retirement. Something about the way distributions have to be taken by my beneficiary when I croak. However my DW is the primary...
  24. M

    HELP! I give up

    I tried to stop all of the responses from all of the subscriptions from going to my email address. I went to User CP and got the list of subscriptions. I checked the top box, which checked boxed all of the boxes. I then went and highlighted no email notification and then clicked on go...
  25. M

    Money Saving Travel Tips

    I was trying to book a long term car rental and found out that if you book at the airport, you have to pay a $3/day facility fee. Given a 60 day rental, that $180 for ?. :rant: I can still return it to the airport at the end of the rental. If you book in the city, you save the [-]bulls**t[/-]...
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