Search found 393 matches

by jjunk
Mon Oct 31, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: Using long bonds vs. intermediate in 401K?
Replies: 15
Views: 1934

Using long bonds vs. intermediate in 401K?

I'm considering a switch from my current intermediate bond holding to one of long duration. The main reason being the ability to earn more interest over the next 25yrs while I wait for that money to come available. I'm planning to retire early next year at the age of 44. My allocation is 70/30 and m...
by jjunk
Wed Sep 14, 2016 10:50 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

LOL, that sounds exactly like my wifes response.
by jjunk
Wed Sep 14, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 23403

Re: Any Porsche 911 owners here?

Cayman S owner here. Maintenance can be controlled if you DIY but you can also get "decent" deals from the dealerships from time to time. Just for ballpark, oil changes on my car run 275-350 depending on dealer per year. The scheduled service at 10k isnt horrible but the 30k is pricey. Sin...
by jjunk
Wed Sep 14, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

It also gives time for the election cycle to play out and for me to do even more number crunching, which I'm sure my wife cant wait to hear about. :twisted: Of course wives want to hear our opinions and our numbers on everything. Why else would they marry us? I talk to my wife about investing sever...
by jjunk
Wed Sep 14, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

The city of York is kind of run down, and also fairly small, so I suspect that the crime rate is skewed very high within the city limits. I've been in and around York, and certainly never felt unsafe. I'd likely prefer to live in or near Hershey (Hershey Park is a nice amusement park, BTW), though....
by jjunk
Wed Sep 14, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Considered east Tennessee? Specifically the Knoxville area? I've only vacationed to the area once but my family really enjoyed it. Home to the University of Tennessee so there's always going to be activities to enjoy. Great medical center. City zoo. An hour from the Pigeon Forge area which is a lot...
by jjunk
Tue Sep 13, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Had never thought about PA overall but we just did the numbers here and everything looks good except the crime. Areavibes gives it an F overall, it looks like there is a lot of simply random crime. Beautiful old 1800s homes there though, very interesting looking place. "F overall" for cri...
by jjunk
Tue Sep 13, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

I hope that helps! Yes, this helps quite a bit, thank you. I've been to Atlanta many times and my brother in law lived in Kennesaw and a few other places so we've been to the 'burbs and surrounding areas a little bit. It's definitely something I'll need to spend more time on because it really does ...
by jjunk
Tue Sep 13, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

As a matter of curiosity, how did those three turn out to be your choices? jimb Good question. My DW and I have pretty different requirements (as I think others have noticed with the choices of cities). She is mostly looking for a cheap, safe place to live that has a zoo/aquarium. Boise and Columbu...
by jjunk
Tue Sep 13, 2016 9:51 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

OP here; One thing I wanted to point out is that many comments point to me "scrimping" or "penny pinching" as part of my plan. Thats actually not the case even though I realize the numbers are all very low, especially to the BH crowd. The fact is that I spend a relatively low amo...
by jjunk
Tue Sep 13, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Out of Boise, Columbus and Vegas, I would pick Boise hands down. But I've never been to Boise, I've been to the others. If you toss Boone into the mix, I would choose Boone hands down. But OP, you're only ~42. Instead of settling on a place that will be ok (and being quite concerned about healthcar...
by jjunk
Tue Sep 13, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Sorry Marmot Bend HAS NO Rentals-- 1 % or less availability with 20-30 people looking for anything reasonable from Lapine / Prineville/ Redmond. So it wouldn't meet OP's rental requirement. (Workers putting in the new Facebook and Google data center projects resorting to using state parks and any m...
by jjunk
Sat Sep 10, 2016 1:02 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Out of Boise, Columbus and Vegas, I would pick Boise hands down. But I've never been to Boise, I've been to the others. If you toss Boone into the mix, I would choose Boone hands down. But OP, you're only ~42. Instead of settling on a place that will be ok (and being quite concerned about healthcar...
by jjunk
Sat Sep 10, 2016 12:59 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

As a matter of curiosity, how did those three turn out to be your choices? jimb Boise immediately popped up as checking a lot of the boxes we liked, I just worry its too remote (but that might be a good thing). Vegas recently made our list because of LCOL and healthcare premiums. Remote from what? ...
by jjunk
Mon Sep 05, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Had never thought about PA overall but we just did the numbers here and everything looks good except the crime. Areavibes gives it an F overall, it looks like there is a lot of simply random crime. Beautiful old 1800s homes there though, very interesting looking place. This is a case where generali...
by jjunk
Mon Sep 05, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

York County PA There is no order to this, just typing things as they come to me. Cheap cost of living for being in the mid Atlantic. No state income tax on tax deferred account disbursements and no income tax on SS or pensions. No sales tax on groceries and clothing. Short drive to Harrisburg, Phil...
by jjunk
Mon Sep 05, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Check out the Tri Cities in Washington st, it has the Columbia and snake river, wineries,plenty of recreation opportunities and its 3 hours from Seattle and Portland, The Population is the same size as Boise. No zoo or aquarium. Also less diverse than Boise, which is saying something. The Columbia ...
by jjunk
Sun Sep 04, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Check out the Tri Cities in Washington st, it has the Columbia and snake river, wineries,plenty of recreation opportunities and its 3 hours from Seattle and Portland, The Population is the same size as Boise. We did look at Camas and Vancouver but the rents in the area are already higher and still ...
by jjunk
Sun Sep 04, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Check out the Tri Cities in Washington st, it has the Columbia and snake river, wineries,plenty of recreation opportunities and its 3 hours from Seattle and Portland, The Population is the same size as Boise. We did look at Camas and Vancouver but the rents in the area are already higher and still ...
by jjunk
Sun Sep 04, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

I don't think renting makes sense in the sun-belt, except for initial scouting, of course the buy-rent ratios are just SO low, especially in overbuilt cities like Las Vegas. When I compare Las Vegas to my current city, it amazes me - rents are 20% higher in Las Vegas, but purchase price per square ...
by jjunk
Sun Sep 04, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Have you given any thought to NE FL? - Jax Zoo is pretty nice. - Cultural opportunities are growing. - Five hour drive to Atlanta for the aquarium. - Good healthcare options. - No state income tax & if you rent then no direct property taxes. - Growing craft beer scene :sharebeer Jacksonville is...
by jjunk
Sat Sep 03, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

OP, have you looked at Bozeman, MT? Not sure if it meets all of your requirements but it's nestled in a valley surrounded by mountains and is the home to MT State U and has regional medical center. COL should be on par with Boise. I havent looked into Bozeman. Thanks for bringing it up, I'll have t...
by jjunk
Sat Sep 03, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

I don't care where you retire but I do think that making long term plans tied this closely to the current ACA rules and prices seems extremely short sighted. Future health care costs and possible changes in the ACA are huge unknowns. I dont disagree but I can only plan with the information I have o...
by jjunk
Sat Sep 03, 2016 6:04 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

How "early" is your early retirement? Haven't read entire thread, but my first thought is if cutting it so close that you must move to low COL area as soon as you retire, have limited choices, and require exact ACA costs before doing so, etc, is it possible to work a little longer? Maybe ...
by jjunk
Sat Sep 03, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

I live in now (Seattle) Just curious, did you consider any spots in western Washington, that you later eliminated for various reasons? I'm curious, as I'm in a similar boat to you. I'm a renter in the Puget Sound region (southern end), looking to FIRE within a year or two. I'm currently in Tacoma, ...
by jjunk
Sat Sep 03, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

I see that you have lived in Charlotte. Did you consider it or perhaps its western or northern suburbs which get you within an 1.5 hours of mountains. It seems to have a lot of what you are looking for except LCOL. Charlotte has great health care although it can be expensive. Asheville area also ha...
by jjunk
Fri Sep 02, 2016 11:02 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

She is mostly looking for a cheap, safe place to live that has a zoo/aquarium. That part surprised me a bit. We love animals and zoos (though we of course prefer them in nature). When we lived in the Bay Area we visited the SF Zoom about a dozen times, the Monterey Bay Aquarium at least five times....
by jjunk
Fri Sep 02, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

We currently live in Boise (Eagle, actually, just north of Meridian) and have lived here for the past two years. To set the record straight on a few things that people have mentioned, technically Boise does have an "aquarium" but it is really more of a glorified pet shop that shares a bui...
by jjunk
Fri Sep 02, 2016 9:36 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

My DW and I have pretty different requirements (as I think others have noticed with the choices of cities). She is mostly looking for a cheap, safe place to live that has a zoo/aquarium. Boise and Columbus meet her requirements. For me, if I could pick, I'd love to have mountains in my backyard but...
by jjunk
Fri Sep 02, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Sun City will be awesome once I'm over 55. I have ~13yrs left til then :happy
by jjunk
Fri Sep 02, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Be aware that there are a number of providers dropping out of Marketplace insurance in 2017 and premiums are also likely to increase significantly in many areas. In other words, for planning purposes you should not just be looking at what's available this year. You're absolutely correct. Idaho didn...
by jjunk
Fri Sep 02, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

Thanks, Colorado is definitely on the list of states we were interested in, it was just hard to get solid numbers on their ACA implementation. Boone wouldnt be a poor choice, I did enjoy going there when I was in the Carolinas but there arent a lot of healthcare options in the city. Seems like Boise...
by jjunk
Fri Sep 02, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

As a matter of curiosity, how did those three turn out to be your choices? jimb Good question. My DW and I have pretty different requirements (as I think others have noticed with the choices of cities). She is mostly looking for a cheap, safe place to live that has a zoo/aquarium. Boise and Columbu...
by jjunk
Fri Sep 02, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

I'm not sure I would relocate at the start of retirement. I'd take some time to explore, poke around, and ponder first. Even if you are renting... I would love to be able to do this but unfortunately the area I live in now (Seattle) is simply too expensive to allow me to poke around and reasonably ...
by jjunk
Fri Sep 02, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Re: Which city to start early retirement?

slayed wrote:what do you mean by "diverse"
Racial and cultural diversity is what I meant by that comment. Boise is mostly white, Las Vegas seems to be the most diverse statistically and Columbus is kinda in the middle.
by jjunk
Fri Sep 02, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 18232

Which city to start early retirement?

DW and I are thinking about retiring this year and we've narrowed it down to three cities based on our own internal criteria. The areas are Boise, ID (Meridian, ID specifically), Las Vegas, NV (Henderson, NV specifically) and Columbus, OH (Dublin, OH specifically). The criteria included generally lo...
by jjunk
Wed Aug 31, 2016 11:51 pm
Forum: Investing - Theory, News & General
Topic: Do you follow a VWR formula?
Replies: 13
Views: 1987

Re: Do you follow a VWR formula?

Thanks Siamond, appreciate the input and I'll read up on the thread. My current "plan" was to have a years worth of planned expenses simply held in cash and then I'd replenish it at year end and start all over. We plan to live on a solid budget and we have slack to allow us to cut back whe...
by jjunk
Wed Aug 31, 2016 9:26 pm
Forum: Investing - Theory, News & General
Topic: Do you follow a VWR formula?
Replies: 13
Views: 1987

Re: Do you follow a VWR formula?

larklea wrote:Today's my first day of retirement, hoping for the best !
Thanks for all the information everyone. And congrats larklea!
by jjunk
Wed Aug 31, 2016 8:30 am
Forum: Investing - Theory, News & General
Topic: Do you follow a VWR formula?
Replies: 13
Views: 1987

Re: Do you follow a VWR formula?

Excellent, thanks for the information. I was wondering if I was about to make things too complicated for my own good with these formulas.
by jjunk
Tue Aug 30, 2016 11:24 pm
Forum: Investing - Theory, News & General
Topic: Do you follow a VWR formula?
Replies: 13
Views: 1987

Do you follow a VWR formula?

I'm currently reading McClung's "Living off your money" and he's got an entire section devoted to variable withdrawal formulas and their relative performance in his model. I'd never really thought about there being an actual VWR model per se, more that you'd spend what you needed and then ...
by jjunk
Mon Jul 18, 2016 6:25 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Thoughts about home equity.

OP: I hope this isn't a derailment. Our situations are very, very similar and except for the wife, you will be where I am in 4 years if you continue to work and save. (Who knows, maybe I'll pick up a wife along the way ;-)) No worries at all, the more the merrier and it's done nothing but add to th...
by jjunk
Mon Jul 18, 2016 10:51 am
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

OP, There are many pessimistic people on this forum who will say 4% is not enough. Some will go as low as 2% is a real SWR. Hogwash. You have already pointed out that you have a $500/month buffer. If crap hits the fan you can always downsize. Plus, you will likely make a little money here and there...
by jjunk
Sun Jul 17, 2016 8:43 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

So it's clear I'm a little stressed at work? :P Appreciate all the advice and pointers, lots to think about in the thread and lots of good advice. I'm going to do a check on where we are at the end of the year and then plan things from there. Really appreciate your insight here, thanks! I would giv...
by jjunk
Sun Jul 17, 2016 5:39 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

Neither of us plan (or want) to live past 80 so I'm essentially looking at a 35yr time-frame. Hmm, that's an interesting plan. Do you have a plan for how you'll end things at 80? Probably too dark a topic for an investment forum. Given my family history, its not likely I"m around past 70 as it...
by jjunk
Sun Jul 17, 2016 4:36 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

So it's clear I'm a little stressed at work? :P

Appreciate all the advice and pointers, lots to think about in the thread and lots of good advice. I'm going to do a check on where we are at the end of the year and then plan things from there. Really appreciate your insight here, thanks!
by jjunk
Sun Jul 17, 2016 3:35 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

Thanks siamond, all good points. I guess I should have mentioned our allocation, we're 70/30 (50US/20Intl) for our AA and we plan to keep this exposure until we die. We may change it slightly when we hit our 60s and see what SS looks like. As for the home ownership piece, I actually agree with you ...
by jjunk
Sun Jul 17, 2016 3:25 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

I know you are not including SS in your calculations. However, you should be aware that SS calculates your benefit based on your average adjusted SS earnings in your 35 highest years. If you have less than 35 years of paying into SS, the missing years count as -0- when the average is calculated. Yu...
by jjunk
Sun Jul 17, 2016 3:22 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

OP, I gave a quick run with VPW, assuming a retirement at 44, using your AA, planning till you're 99 (to be cautious, and -more importantly- as an indirect way to protect your capital until you're in the LTC years), and $1.5M would provide $66k of (gross) income for the coming year, while $1.3M wou...
by jjunk
Sun Jul 17, 2016 3:17 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

At the risk of being a killjoy, have you thought about what would happen if one of you died prematurely? I won't bore you with the sad stories I know personally, but people are killed in car accidents, die of undiagnosed medical conditions, etc. every day of every week. This is an argument for reti...
by jjunk
Sun Jul 17, 2016 1:13 pm
Forum: Personal Investments
Topic: Early retiree: 3% SWR or 4% SWR for planning purposes?
Replies: 61
Views: 7644

Re: Early retiree: 3% SWR or 4% SWR for planning purposes?

Thanks siamond, all good points. I guess I should have mentioned our allocation, we're 70/30 (50US/20Intl) for our AA and we plan to keep this exposure until we die. We may change it slightly when we hit our 60s and see what SS looks like. As for the home ownership piece, I actually agree with you o...