Search found 499 matches

Return to advanced search

Re: It is time to retire when you .......

Pay Off mortgage -8 years
Youngest thru college - 18 years
Find hobbys? - done, travel + exercise + soccer + wimbledon etc
Any spare time can always be filled by test match cricket...the most time consuming activity known to man
by Wannaretireearly
Sat Jun 21, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9772

Re: TV show recommendations?

Finished Luther and Sherlock - both brilliant.
will check out the wire - love this thread!
by Wannaretireearly
Tue Jun 17, 2014 11:44 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 120227

Re: City Driver Hit My New Car. Diminished Value Advice?

Very interesting thread - never even knew this concept!
Wifey had an at fault accident with her van, when just a few months old - could she have claimed diminished value from our insurance company, even though she was 'at fault'?!?
by Wannaretireearly
Wed May 21, 2014 1:12 am
 
Forum: Personal Finance (Not Investing)
Topic: City Driver Hit My New Car. Diminished Value Advice?
Replies: 33
Views: 3147

Re: Social Security Q's for my mum

Hi SS critic: Dad passed at 59.5 yrs old, he wasn't collecting SS. Dads PIA is 1143. Mums is 767.* As I just mentioned in my last post, mum works and makes between 50-60k a year. What advice would you give to mum? Thanks! Since she is working, any benefits would be reduced by the earnings test (app...
by Wannaretireearly
Wed May 21, 2014 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 11
Views: 955

Re: 2600 days of every dollar tracked

Brilliant - thanks for sharing!
Nisi definitely has some new upstart competition from the OP re: fantastic posts with Graphics and charts!

Would love to see your charts in 10 years - if its still this detailed you've done a great job monitoring and are probably/definitely OCD - lol joking!
by Wannaretireearly
Wed May 21, 2014 12:58 am
 
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 6066

Re: Social Security Q's for my mum

Your mother is a widow. The benefits she might collect on your father's work record are called widow's benefits (not his benefit or his pension or anything else). If you are going to navigate social security, it is a good idea to learn the terms. She can take a widow's benefit at 60, but it will be...
by Wannaretireearly
Sat May 17, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 11
Views: 955

Re: Social Security Q's for my mum

OP back: Sorry for the delay in revisiting this. Mums 60th birthday today! Anyhow, here are the PIA amounts from the SS office: Dad: 1143 (passed 5.5 years ago) Mum: 767 Not sure what to make of these numbers. Appreciate comments/recommendations on what to do/if anything. Mum works FT and grosses ab...
by Wannaretireearly
Sat May 17, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 11
Views: 955

Re: Hybrid bike recommendation (around $500 max)

Thank you all. My riding will be local, parks and trails (3-5 miles) at least initially. Kids are young and will bike with them. I'm actually shopping for my sons first bike (16inch) without stabilizers too! I wont really be on gravel, but i like the feel of chunky wheels on Mountain bikes, dont lik...
by Wannaretireearly
Fri May 16, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hybrid bike recommendation (around $500 max)
Replies: 23
Views: 1745

Hybrid bike recommendation (around $500 max)

Hi BH bikers!! I'm looking for bike recommendations. My budget is around $500 max (wife will be happier at $300). Challenging I know for you expert bikers ;) I have tried hybrid bikes and like the feel of them for my purpose. I'm 5' 6'' so I think an 18 inch bike is good for me. Checked out bikesdir...
by Wannaretireearly
Tue May 13, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Hybrid bike recommendation (around $500 max)
Replies: 23
Views: 1745

Career change: PM to ITSM Coach

Hello, I have the opportunity (internal) to change from a Sr. IT Project/Program Manager position to a Sr. ITSM (IT Service Management) Coach position. I know there are many IT types on this forum and would love to hear your feedback/advice on the following topics: 1. ITSM Coach position: Who is fam...
by Wannaretireearly
Mon May 12, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career change: PM to ITSM Coach
Replies: 1
Views: 300

Re: Miami South beach

Thanks for all the comments! I've been to Miami a couple of times including Memorial day weekend my very first time. I think I know what to expect during Urban beach week, but appreciate your heads up - I'd like to go on another weekend, but no dice... I havent been in 4-5 years so the recent insigh...
by Wannaretireearly
Sun May 04, 2014 2:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1021

Re: Miami South beach

Thanks folks. Keep em coming!
We're mid thirties. Reality is our bodies are mid forties and our character and activities are still mid twenties.
Looking for those lounges which get busy/electric. Also appreciate the restaurant recommendations
by Wannaretireearly
Sat May 03, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1021

Re: Miami South beach

Cheers Katawa!
by Wannaretireearly
Sat May 03, 2014 2:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1021

Miami South beach

taking a friend here over memorial day weekend to help/give him a break from taking care of his sick Dad.
Any recommendations on restaurants, bars/lounges or clubs? Were staying at the Palms SoBe.

Cheers.
by Wannaretireearly
Sat May 03, 2014 1:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1021

Re: What's your number?

50
Must be able to retire by 50, regardless of $$$ the lifestyle will need to adjust to a 3-4% max SWR.
If I enjoy work ill continue but I think that will be unlikely. Life is short, especially healthy life
by Wannaretireearly
Thu Apr 24, 2014 2:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31547

Re: Wasting money on rent or buy in California

Go with the apmt. That is a relative bargain. Welcome to the bay area.
You will come out $$$ ahead being in the apmt, especially while u get your bearings.
Be careful of commute times. Some are horrendous.
by Wannaretireearly
Fri Apr 11, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2524

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Thank you! Would love to hear from others
by Wannaretireearly
Thu Mar 20, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 3643

Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Always bought relatively good cars for under $40k out the door. No issues, good cars, Toyota & Honda currently. Been thinking (dreaming?) about leasing a luxury car. (5 series, 7 series, E class? World is my oyster!) 1. What are peoples honest thoughts about leasing an expensive luxury car, pers...
by Wannaretireearly
Thu Mar 20, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 3643

Social Security Q's for my mum

Hello, My mum is 59. Turns 60 in May - she has got a letter from SS mentioning she could start collecting my Dad's (passed away 2008 at age 59) pension this year ($500 a month). Mum still works & would be obviously be eligible to collect her SS when she turns 62. I understand SS collection/spous...
by Wannaretireearly
Sun Feb 16, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 11
Views: 955

Re: Any other travel freaks?

forgot a Bangalore/India trip for work. Generally work travel is horrible! This trip was a combo of work and fun over Diwali :beer
by Wannaretireearly
Thu Feb 06, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 8758

Re: Any other travel freaks?

i guess we qualify as Travel freaks. Family influence. Grandparents have lived on 4 continents. Slowed down a bit/gone more local since the 2 kids (3 & 5). Big % of budget still goes on travel. last year: Hawaii, Japan (anniversary), NJ (wedding trip), Seattle (Tgiving), Cabo (Xmas). dont like t...
by Wannaretireearly
Thu Feb 06, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 8758

Re: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation

A bad analogy - but I prefer new cars cos I know what they've been thru....almost like knowing you've raised your kids from birth, rather than adopting and taking on some unknowns.
Yes, a bad analogy....
by Wannaretireearly
Thu Feb 06, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation
Replies: 9
Views: 1061

Re: AT&T Mobile Users: Check your plans

My past few weeks experience: Upgraded wifes phone to 5S (2 yr regular contract) paid close to $300 for the device incl taxes and upgrade fees etc Switched her from a 2GB data to to 3GB plan - Big mistake cos they dont allow my corporate FAN discount on anything except the 2 GB or unlimited plans. I...
by Wannaretireearly
Wed Feb 05, 2014 2:51 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 55
Views: 6765

Re: Stratford school in the SF bay area

thank you!
The specific Stratford school campus would be in Fremont (Curtis St).

I would be comparing against:
Vallejo Mill elementary
Centerville Junior High
Washington High school
by Wannaretireearly
Tue Jan 28, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: Stratford school in the SF bay area
Replies: 4
Views: 421

Stratford school in the SF bay area

<Posting here cos I know there are a number of bay area BH folks> I'm specifically looking for feedback and thoughts from those who know Stratford schools well in the bay area. My situation is I have 2 kids likely to go thru the Stratford school system over the next 10 years (elementary thru middle)...
by Wannaretireearly
Tue Jan 28, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Stratford school in the SF bay area
Replies: 4
Views: 421

Re: Bay area Public vs Private School

Very interesting Chentastic. Thanks for sharing. My older kid is in Stratford K at present. The things i like about it that I *think* may be a gap in public school: 1. full day program in K (obvious) 2. Emphasis in gaining actual English language/lit knowledge - drilled in with homework already. I k...
by Wannaretireearly
Fri Jan 17, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 6744

Re: Wine for daily consumption?

our house fave. available at costco:
http://www.menageatroiswines.com/wines/red

The red blend is perfect.
by Wannaretireearly
Tue Dec 03, 2013 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5548

Re: Hit a milestone today [401(k)]

Thank you for sharing AA details. Good luck and well done.
I've had a similar journey so far, less time & less saved but similar story of ups and downs (and ups) .
The help we get here is awesome to give us better 'guardrails' in a complex financial world full of pitfalls
by Wannaretireearly
Wed Oct 30, 2013 1:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today [401(k)]
Replies: 76
Views: 8251

Re: Hit a milestone today [401(k)]

Well done Madbrain.
Was this just your 401k total or combined with spouse?
Either way, its fantastic - but if its all on your own over just the past 13-14 years, I wanna know your AA in this account!

:sharebeer
by Wannaretireearly
Wed Oct 30, 2013 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today [401(k)]
Replies: 76
Views: 8251

Re: Deferred annuity: are folks starting to use these?

Sidney wrote:
Wannaretireearly wrote:
Sidney wrote:#1 is not entirely correct.


HSA cannot be used for medical insurance premiums in retirement?

See P 8-9 in IRS Pub 969. Defines the narrow cases where HSA distributions can be used for insurance premiums.


Thanks Sidney..
by Wannaretireearly
Mon Sep 16, 2013 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1357

Re: Deferred annuity: are folks starting to use these?

Retirement seminar recommending an annuity as an option. Absolute shocker. Where might you go to find one? Oh, I have an idea. Wow, such a group of cynics :) :) The fidelity rep mentioned annuities (immediate & deferred) and also mentioned her company doesnt offer them. She mentioned *guarantee...
by Wannaretireearly
Sun Sep 15, 2013 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1357

Re: Deferred annuity: are folks starting to use these?

Spent an hour at lunch y'day in a Retirement help/seminar. Mostly stuff I know. However still a few i didnt: This the entire problem. You didn't think that lunch was free did you??? Friends do not let friends attend retirement seminar lunches/dinners. Unless it is for entertainment value to tell th...
by Wannaretireearly
Sun Sep 15, 2013 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1357

Re: Deferred annuity: are folks starting to use these?

Spent an hour at lunch y'day in a Retirement help/seminar. Mostly stuff I know. However still a few i didnt: This the entire problem. You didn't think that lunch was free did you??? Friends do not let friends attend retirement seminar lunches/dinners. Unless it is for entertainment value to tell th...
by Wannaretireearly
Sun Sep 15, 2013 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1357

Re: Deferred annuity: are folks starting to use these?

Would a deferred annuity be a good idea for a small portion of net assets? Probably not. However, the insurance agent/financial advisor has to pay for that leased Lexus and the corner office some way and the commissions on your "small portion" would help. lol - seems there should be an op...
by Wannaretireearly
Sun Sep 15, 2013 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1357

Re: Deferred annuity: are folks starting to use these?

neurosphere wrote:
Wannaretireearly wrote:
Spent an hour at lunch y'day in a Retirement help/seminar.


I'm curious where the seminar was or who sponsored it. Was it through your work place?


Yep, was at our company offices, hosted by Fidelity our 401k provider.
by Wannaretireearly
Sun Sep 15, 2013 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1357

Re: Deferred annuity: are folks starting to use these?

Sidney wrote:#1 is not entirely correct.


HSA cannot be used for medical insurance premiums in retirement?
by Wannaretireearly
Fri Sep 13, 2013 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1357

Deferred annuity: are folks starting to use these?

Happy Friday! Spent an hour at lunch y'day in a Retirement help/seminar. Mostly stuff I know. However still a few i didnt: 1. HSA accounts can be used for medical premiums/medicare supplement (not just medical expenses) when in retirement - woohoo! (as long as you choose the high deductible option) ...
by Wannaretireearly
Fri Sep 13, 2013 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deferred annuity: are folks starting to use these?
Replies: 20
Views: 1357

Re: TLH or buy more? VCITX (CA LT tax exempt)

Bump. So I have some fresh funds which I should really *rebalance* into VCITX, per AA
Call me crazy? or a good move at present cos its down about 10% from its high?

Bond funds are not supposed to give you heartburn!!! :confused
by Wannaretireearly
Tue Sep 10, 2013 1:51 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 997

Re: Estimated tax payments for 2013: federal and CA

Thanks All. I also just adjusted my pay check online to *pay* an additional amount to ensure i hit 110% of last years tax liability - this seemed easier than the estimated payment route.
by Wannaretireearly
Sun Sep 08, 2013 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 709

Re: Estimated tax payments for 2013: federal and CA

Another alternative if you find that you need to pay more to meet the safe harbor: increase withholding on your wife's paycheck. That has the advantage that it is considered to have been paid evenly throughout the tax year, unlike an estimated payment that gets credit only when it is sent. That wor...
by Wannaretireearly
Sun Sep 08, 2013 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 709

Re: Estimated tax payments for 2013: federal and CA

jebmke wrote:If you meet the safe harbor test, it does not matter what your actual income is in the year.


Thanks jebmke. interesting - so as long as i pay enough to cover 110% of my 2012 tax liability (in 2013) it doesnt matter how how my income is - i cannot be penalized
by Wannaretireearly
Sun Sep 08, 2013 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 709

Re: Estimated tax payments for 2013: federal and CA

jebmke wrote:Probably too late to get registered and validated on EFTPS for Q3. Here is the site you can get set up in time for Q4

https://www.eftps.gov/eftps/


Thanks. will check this out. trying to figure out if i will get penalized (my last post) - so confusing :)
by Wannaretireearly
Sun Sep 08, 2013 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 709

Re: Estimated tax payments for 2013: federal and CA

just read this: http://www.bankrate.com/finance/taxes/the-skinny-on-paying-estimated-taxes-2.aspx if i read this right re: safe harbor payment: - if you made more than $150k total IN 2012, and paid $30k in taxes due, you would need to pay at least 110% of total 2012 taxes to avoid having penalties a...
by Wannaretireearly
Sun Sep 08, 2013 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 709

Estimated tax payments for 2013: federal and CA

Folks, Although I have tax $$$ withheld from my/wifes paychecks I fully expect I need to pay enough federal and CA tax in 2013 where I should pay now to help avoid penalties next year. Due to stock sales etc. I'm confused on how best to do this. I am not using those quarterly vouchers that Turbo tax...
by Wannaretireearly
Sun Sep 08, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments for 2013: federal and CA
Replies: 16
Views: 709

Re: TLH or buy more? VCITX

AQ wrote:Muni ETF is surging today, and I take it a likely turning point and started to build up.. :happy


Hope so AQ! :)
by Wannaretireearly
Thu Jun 27, 2013 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 997

Re: TLH or buy more? VCITX

You could TLH into the national Long-Term TE fund; looks like it's dropped by about the same amount. Of course if you want to be in the CA fund for the additional state exemption, you'll want to switch back in one or two months (and hope that the price doesn't rocket back up before then). There als...
by Wannaretireearly
Thu Jun 27, 2013 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 997

Re: TLH or buy more? VCITX

Thx Coldplay
Any other feedback?

Cheers
by Wannaretireearly
Tue Jun 25, 2013 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH or buy more? VCITX
Replies: 9
Views: 997
Next

Return to advanced search