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Re: Dubai trip

Thanks all - how much should a cab ride cost from the airport to the palm/atlantis?
Is it worth booking transfers in advance? They seem expensive at $100 each way..
by Wannaretireearly
Fri Oct 24, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Dubai trip
Replies: 9
Views: 1009

Dubai trip

Going to be Dubai for 6 nights - staying at the Atlantis hotel in Dec.
With 2 kids, 4 & 6.

First time to Dubai...would love to hear stories & hidden gems re: places to eat and things to see...

Many thanks.
WRE
by Wannaretireearly
Fri Oct 24, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Dubai trip
Replies: 9
Views: 1009

Re: AA: 50/50 Domestic and International Stock IPS

I have a harder time selling s&p 500 index than I do buying any of the international funds. I feel like international is one big super sale just waiting to revert to the mean sometime between now and retirement ;-) How far off the mean is international? I wouldn't even know how to determine thi...
by Wannaretireearly
Tue Oct 14, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1558

Re: AA: 50/50 Domestic and International Stock IPS

Thanks for all the posts. Nisi: Got your point, I shouldnt expect a turnaround soon - but have some faith in the very long term. I guess that bodes a question on whether there should be a slow reduction in foreign stock exposure as we near a retirement date for those of us at around 50/50. Perhaps b...
by Wannaretireearly
Mon Oct 13, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1558

AA: 50/50 Domestic and International Stock IPS

To all those souls with a roughly 50/50 domestic vs International Stock AA in your IPS, Are you rebalancing into VEU/VSS (ETF) or their Mutual fund equivalent (FTSE large cap/small cap ex US)? I just did (new money, so not really rebalance) but it felt hard to do - as we know its sometimes those har...
by Wannaretireearly
Mon Oct 13, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1558

Re: work life balance when close to FIRE - suggestions

livesoft wrote:Also don't forget that there are many people at work around you who are trying to do the same thing. Don't be the last domino to fall.

Good point. only so many part timer/flex timer/working from beach types allowed!
by Wannaretireearly
Thu Sep 11, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: work life balance when close to FIRE - suggestions
Replies: 5
Views: 741

Re: work life balance when close to FIRE - suggestions

A strategy I used was to go part-time about 5 to 10 years before expected retirement date. One thing that helped was our company had an efficiency consultant come in to train everyone. That person said, "Dump your bucket", so I did. I delegated all the stuff I didn't want to do. I helped ...
by Wannaretireearly
Thu Sep 11, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: work life balance when close to FIRE - suggestions
Replies: 5
Views: 741

work life balance when close to FIRE - suggestions

Some thoughts I've been having recently.... 1. Given a decent low 7 figure nest egg/net worth, is it worth the additional hassle/stress/lost family time for a few extra $$$ ? - after taxes, a next level promotion just doesn't seem to give much bang for the buck, or really affect the nest egg much (m...
by Wannaretireearly
Thu Sep 11, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: work life balance when close to FIRE - suggestions
Replies: 5
Views: 741

Re: Fort Lauderdale area: need real estate advice

I did mean residential primarily. Although I would consider commercial...
by Wannaretireearly
Sat Sep 06, 2014 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fort Lauderdale area: need real estate advice
Replies: 8
Views: 864

Re: Fort Lauderdale area: need real estate advice

bump...its a busy saturday for the forum!
by Wannaretireearly
Sat Sep 06, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fort Lauderdale area: need real estate advice
Replies: 8
Views: 864

Fort Lauderdale area: need real estate advice

Happy Saturday BH'ers. I'm looking for guides on investment properties in the FL area. I've been to the FL/Miami area ~5 times and have always thought it would be a great place to settle/ER one day (especially FL). To that end, I would like to explore property investment opportunities in the FL area...
by Wannaretireearly
Sat Sep 06, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fort Lauderdale area: need real estate advice
Replies: 8
Views: 864

Re: Which Vanguard bond fund in my IRA?

Thanks for the responses. I should've said retirement accounts not 'deferred'
by Wannaretireearly
Thu Sep 04, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Vanguard bond fund in my IRA?
Replies: 4
Views: 353

Which Vanguard bond fund in my IRA?

Folks, Appreciate some opinions. I have been investing in Small Cap Value in my IRA. My AA (and my gut) tells me my back door contribution this year should go to a bond fund. I don't have a current bond fund in my Vanguard IRA account at present. Which Vanguard Bond fund would you recommend (and why...
by Wannaretireearly
Thu Sep 04, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Vanguard bond fund in my IRA?
Replies: 4
Views: 353

Re: Did you reveal to your kids...your savings and salary

Havent read all posts, but if/when I do share salary I will walk the kid thru my paycheck so they understand gross income and net income after taxes and deductions. Then I'll walk them thru Net income - fixed expense - variable expense. Then I'll walk them thru why we need to save & not spend th...
by Wannaretireearly
Wed Sep 03, 2014 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7098

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: 10118

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: 143198

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: 3220

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: 966

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: 6189

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: 966

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: 966

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: 1936

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: 1936

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: 302

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: 1048

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: 1048

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: 1048

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: 1048

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: 31825

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: 2588

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: 3751

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: 3751

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: 966

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: 9223

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: 9223

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: 1062

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: 6889

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: 453

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: 453

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: 7528

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: 5725

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: 8324

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: 8324

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: 1395

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: 1395

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: 1395

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: 1395

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: 1395
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