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FIRE and Money | Forum profile
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Forum profile page for FIRE and Money on http://early-retirement.org.
This report page is the aggregated overview from a single forum: FIRE and Money, located on the Message Board at http://early-retirement.org.
This forum profile page summarizes the general forum statistics such as: Users Activity, Forum Activity, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional forum profile information for "FIRE and Money" on the Message Board at http://early-retirement.org is also shown in the following ways:
1) Latest Active Threads
2) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a forum's popularity and/or exact posting volumes at any given reporting period.
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Posting activity on FIRE and Money:
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Week
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Month
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3 Months
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Threads:
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108
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362
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1,012
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Post:
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560
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2,424
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6,933
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FIRE and Money Posting activity graph:
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Top authors during last week:
user's latest post:
How Much Christmas Tip For...
Published (2009-12-25 09:27:00)
Quote: Originally Posted by cantlogin How much of a tip will you be sending me? I'm guessing ha will double what he sent you last year.
user's latest post:
Calculating the cost of heat? -...
Published (2009-12-24 11:43:00)
Quote: Originally Posted by Letj Wow Fuego! Did you mean $300/yr or a month? I spend that a month in the winter. I use gas to heat this house and the hotwater tank. Which part of the country is that? Is this just for cooking? Per year. I hadn't updated the number in a few years, and it was actually $500 last year. Nat gas rates have dropped so much though, that it will be closer to $300 than $500 this year. That doesn't include the...
user's latest post:
Yield Curve = Recovery?
Published (2009-12-24 12:50:00)
Quote: Originally Posted by brewer12345 Nothing keeping you from cashing out of everything for dollar bills and rolling around naked in a big pile of them... Except for the suspicion and the potential alerting of the Feds who may start monitoring you as a suspected drug dealer...
user's latest post:
Yield Curve = Recovery?
Published (2009-12-24 12:48:00)
Nothing keeping you from cashing out of everything for dollar bills and rolling around naked in a big pile of them...
user's latest post:
Yield Curve = Recovery?
Published (2009-12-24 08:33:00)
While it's true that increased inflation expectations can drive a steepening yield curve, we're also seeing a steepening of the TIPS curve. As you point out, it's not enough to say that the nominal yield curve is steepening, it is a rise in real yields that suggest an improving economic outlook. The CNN article looks at yields from Jan '09 to today. Over the same time frame the 5-10 TIPS curve went from a negative...
user's latest post:
Calculating the cost of heat? -...
Published (2009-12-25 16:02:00)
I wound up picking up this one - Honeywell TH6220D1002 - Honeywell - FocusPRO Programmable Thermostat (2H/2C) The setback doesn't use as much energy as I thought so I think it will pay for itself after a couple of months.
user's latest post:
How Much Christmas Tip For...
Published (2009-12-25 06:11:00)
Quote: Originally Posted by haha I went with $50 for my manager, and $10 for the postman. In nice cards. My manager is very responsive; the postman is just a postman, but at least he doesn't throw my mail in the storm sewer or wad it up before he puts it in my box. Hey, there's a lot to be said for not throwing your mail in the storm sewer or wadding it up before he puts it in your box. At least half the time my mailman delivers...
user's latest post:
How Much Christmas Tip For...
Published (2009-12-24 23:42:00)
Quote: Originally Posted by Bestwifeever I think $50 is a very nice gift for your apartment manager and I'm sure it will be appreciated. I went with $50 for my manager, and $10 for the postman. In nice cards. My manager is very responsive; the postman is just a postman, but at least he doesn't throw my mail in the storm sewer or wad it up before he puts it in my box. My philosophy of tipping is not very pure. I always tip anyone who...
user's latest post:
planning IRA to Roth IRA...
Published (2009-12-24 08:48:00)
Thanks kaneohe. The 2% AGI limit is too bad... If non-deducatable TIRA had gains, they would be taxed, but in case of loss, you don't get any credit for them due to the 2% of the AGI floor.
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Latest active threads on FIRE and Money::
Started 5 days, 9 hours ago (2009-12-22 10:53:00)
by REWahoo
On my first quick read of your post this seems questionable:
Quote:
Originally Posted by kyounge1956
Projected growth (30% equity, 70% fixed)=7%
If that 7% figure is an annual return as it appears to be, I think you are being overly optimistic....
Started 1 week ago (2009-12-20 16:44:00)
by kumquat
Interesting, stereo came out in 1958. I'd have guessed 1962-3.
Started 2 months ago (2009-10-23 13:56:00)
by JustNtime
OK - I'm starting the process of beginning to think about it... - OK
I had planned to top off my tax bracket with Roth conversions during my early retirement years, buttttt after 7 years I'm still in the planning stage for that strategy. I'm really leaning strongly toward converting one IRA s&p fund this year and a brokerage fund + TSP next year. The delayed taxes look like a good deal ...
Started 1 day ago (2009-12-26 20:21:00)
by jdw_fire
Quote: Originally Posted by Delawaredave5 I'll have a non-COLA DB pension.
Is there a way to figure out how much you'd need to "set aside" each year to offset inflation in future years ? The goal is to "mimic" a COLA pension.
Example: Given a $10,000 /year DB pension. 3% inflation. 5% investment return. 30 year life expectancy.
I'm trying to ...
Started 1 day, 5 hours ago (2009-12-26 14:43:00)
by Finance Dave
Quote: Originally Posted by offthefront Greetings .... I am trying to find out which would be a better option .... A retirement payout of 6624.00/month....
or a lump sum of about 365000.00 and 5883.00/month ? What is your life expectancy? that's an important factor in the calculation. How many years do you expect to get the monthly ...
Started 4 days, 2 hours ago (2009-12-23 18:02:00)
by smjsl
I would have thought "tipping" them with your rent every month and being a model tenant is more than enough... (plus, you can always express your gratitude in words - I think that would be quite appreciated)
Started 4 days, 6 hours ago (2009-12-23 14:25:00)
by FUEGO
Nat gas is cheaper than electricity to produce heat. We spend roughly $300 a year on natural gas for heat (may be closer to $200 with the reduced nat gas rates). At 8.5 cents a kWh for electricity, that would allow us to run our small portable 1500 watt electric heater for 40 minutes every hour during a 150 day heating season from ~Oct 15-Mar 15. That would keep one room very very toasty but ...
Started 1 week, 4 days ago (2009-12-15 22:41:00)
by LARS
First general comment is that buying bonds direct you'd better be prepared to hold to maturity otherwise the transaction costs will eat you alive. Second general comment is that I would not go very far out on the yield curve now (at most three years... at most) given the liklihood of increasing interest rates.
Yes you can buy through Vanguard. That is who I use, but I wonder whether a bond ...
Started 2 months, 2 weeks ago (2009-10-07 23:56:00)
by kumquat
Keep the letter in a really, really safe place.
Started 5 days, 3 hours ago (2009-12-22 16:44:00)
by bosco
Your question depends to a very large extent on which country.
If the country is one that has a tax treaty with the US (as many do), then the treaty will set forth the rules.
In the case of the US and Canada, the country where the funds originate typically can tax the first 15%. The country of non-origination will then proceed to tax you, but will give you a credit for taxes already paid...
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Hot threads for last week on FIRE and Money::
Started 4 days, 6 hours ago (2009-12-23 14:25:00)
by FUEGO
Nat gas is cheaper than electricity to produce heat. We spend roughly $300 a year on natural gas for heat (may be closer to $200 with the reduced nat gas rates). At 8.5 cents a kWh for electricity, that would allow us to run our small portable 1500 watt electric heater for 40 minutes every hour during a 150 day heating season from ~Oct 15-Mar 15. That would keep one room very very toasty but ...
Started 1 week ago (2009-12-20 16:44:00)
by kumquat
Interesting, stereo came out in 1958. I'd have guessed 1962-3.
Started 6 days, 6 hours ago (2009-12-21 14:02:00)
by nwsteve
HaHa
When my Mom passed, it worked really well to have me on her checking account as a joint owner. There were absolutely no issues with accessing her funds. She had a nasty habit of forgetting to balance her checking account so I had some money in a linked saving account that was also accessible.
Nwsteve
Started 4 days, 9 hours ago (2009-12-23 10:51:00)
by REWahoo
Quote: Originally Posted by GoodSense Did I miss anything? I don't see anything about the "cost" of who you could be sitting next to on that bus vs. in your car...
Started 1 week ago (2009-12-20 13:36:00)
by REWahoo
Gunni, welcome to the forum.
I see information about assets, income and health care, but nothing about expenses. I don't think anyone can provide a decent response unless we know that side of the equation. Once you have an idea of your annual expense needs, run your numbers through FIRECalc (link below) to get an idea of what you can safely spend each year. If projected expenses don't ...
Started 5 days, 9 hours ago (2009-12-22 10:53:00)
by REWahoo
On my first quick read of your post this seems questionable:
Quote:
Originally Posted by kyounge1956
Projected growth (30% equity, 70% fixed)=7%
If that 7% figure is an annual return as it appears to be, I think you are being overly optimistic....
Started 6 days, 18 hours ago (2009-12-21 01:46:00)
by TooFrugal
Good article. Thanks for posting. One good thing for us that has come out of the dismal stock performance these past years is that it has motivated me to work much harder at my business because that is more of a predictable income source.
For most of our lives we were very aggressive investors in stocks but losses in the past the past year or so and approaching retirement have had us ...
Started 2 months ago (2009-10-23 13:56:00)
by JustNtime
OK - I'm starting the process of beginning to think about it... - OK
I had planned to top off my tax bracket with Roth conversions during my early retirement years, buttttt after 7 years I'm still in the planning stage for that strategy. I'm really leaning strongly toward converting one IRA s&p fund this year and a brokerage fund + TSP next year. The delayed taxes look like a good deal ...
Started 1 week, 2 days ago (2009-12-18 17:56:00)
by unclemick
Sounds too good to be true. Where does one check it out?
heh heh heh - we have an IRS manned by a couple of little ladies down the street. At age 66 they all look young to me.
Started 1 week, 2 days ago (2009-12-18 16:26:00)
by ziggy29
From the link: Quote:
Consumers will have an opportunity to reserve an appliance rebate by calling a toll-free number or registering online approximately two weeks prior to April 16, 2010. After the reserved mail-in rebates are awarded, any remaining funds will be rebated to consumers on a first-come, first-served basis. Shoppers will be limited to two ...
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