On Tuesday, January 9, 2018 at 1:55:02 PM UTC-5, Mr. Luddite wrote:
On 1/9/2018 11:43 AM, wrote:
On 9 Jan 2018 16:38:00 GMT, Keyser Soze wrote:

wrote:
On Tue, 9 Jan 2018 07:29:52 -0500, Keyser Soze wrote:

On 1/8/18 11:07 PM, wrote:
On Mon, 08 Jan 2018 19:47:56 -0500,
wrote:

On Mon, 8 Jan 2018 19:29:11 -0500, Alex wrote:

wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:
and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being taxable.
and a Standard deduction of $24k, what's not to like.
I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Mikek
My 401K hit seven figures shortly after President Trump was elected and
has grown even more. I'll have to see how it affects my paycheck. The
new rates won't be active until next month. If this continues I might
be able to retire at 55!


===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back. I'd suggest keeping your job a
bit longer if you enjoy what you're doing. Inflation becomes a real
risk once you stop working.

---
This email has been checked for viruses by AVG.
http://www.avg.com

I'm realistically looking to retire by 60. I've got a few IRA's and
some non-retirement investments, too. I don't want to have to watch the
market all the time to feel comfortable.

Investing new money is challenging right now with the market so high.
I'm looking more and more at real estate.

===

I like real estate because it offers some protection against
inflation, and it offers an opportunity to use leverage effectively.
Managing rental property requires a fair degree of skill and effort
however.

Renters are generally a pain in the ass. It takes a special
personality to be a landlord. The only way I would do it is with an
agent and hold the property as an LLC. I did look into it when we were
trying to buy the house next door but I made up my mind I would have
just used it for my shop. The house was and still is a tear down but
there is some old nasty woman renting it. I doubt she has made a dime
in the last 2 years still trying to get the money back it took to make
it livable. She paid 100k for it and probably has another 100k in it
renting for $1300 a month.


Probably fetch more rent were it not located next to a disreputable tiki
bar...

Now it is disreputable?


Drinking, dancing, nude swimming, dogs ...

===

You should try it some time if you can find dogs that will dance with
you.



That reminds me. Mrs.E. has been trying to convince me to get another
dog since Sam Adams left. I don't want another dog. After the latest
encouragement to get one, I sent her this:

https://tinyurl.com/y7fpxvaf

Funny! Fitting there's a Lab on the label. It took about three years for my Lab to settle down. He hasn't chewed a downspout off the house in at least 6 months now.

On Tue, 9 Jan 2018 13:54:57 -0500, "Mr. Luddite" wrote:

On 1/9/2018 11:43 AM, wrote:
On 9 Jan 2018 16:38:00 GMT, Keyser Soze wrote:

wrote:
On Tue, 9 Jan 2018 07:29:52 -0500, Keyser Soze wrote:

On 1/8/18 11:07 PM, wrote:
On Mon, 08 Jan 2018 19:47:56 -0500,
wrote:

On Mon, 8 Jan 2018 19:29:11 -0500, Alex wrote:

wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:
and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being taxable.
and a Standard deduction of $24k, what's not to like.
I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Mikek
My 401K hit seven figures shortly after President Trump was elected and
has grown even more. I'll have to see how it affects my paycheck. The
new rates won't be active until next month. If this continues I might
be able to retire at 55!


===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back. I'd suggest keeping your job a
bit longer if you enjoy what you're doing. Inflation becomes a real
risk once you stop working.

---
This email has been checked for viruses by AVG.
http://www.avg.com

I'm realistically looking to retire by 60. I've got a few IRA's and
some non-retirement investments, too. I don't want to have to watch the
market all the time to feel comfortable.

Investing new money is challenging right now with the market so high.
I'm looking more and more at real estate.

===

I like real estate because it offers some protection against
inflation, and it offers an opportunity to use leverage effectively.
Managing rental property requires a fair degree of skill and effort
however.

Renters are generally a pain in the ass. It takes a special
personality to be a landlord. The only way I would do it is with an
agent and hold the property as an LLC. I did look into it when we were
trying to buy the house next door but I made up my mind I would have
just used it for my shop. The house was and still is a tear down but
there is some old nasty woman renting it. I doubt she has made a dime
in the last 2 years still trying to get the money back it took to make
it livable. She paid 100k for it and probably has another 100k in it
renting for $1300 a month.


Probably fetch more rent were it not located next to a disreputable tiki
bar...

Now it is disreputable?


Drinking, dancing, nude swimming, dogs ...

===

You should try it some time if you can find dogs that will dance with
you.



That reminds me. Mrs.E. has been trying to convince me to get another
dog since Sam Adams left. I don't want another dog. After the latest
encouragement to get one, I sent her this:

https://tinyurl.com/y7fpxvaf


LOL!

At the worst of this latest bout with our dog, who is fine now by the way, I told my wife I didn't
want another one. The one she has would be plenty for me.

She immediately started in on the 'you need a dog' kick.

Don't understand 'em at all.

On Tue, 9 Jan 2018 11:24:38 -0800 (PST), Its Me wrote:

On Tuesday, January 9, 2018 at 1:55:02 PM UTC-5, Mr. Luddite wrote:
On 1/9/2018 11:43 AM, wrote:
On 9 Jan 2018 16:38:00 GMT, Keyser Soze wrote:

wrote:
On Tue, 9 Jan 2018 07:29:52 -0500, Keyser Soze wrote:

On 1/8/18 11:07 PM, wrote:
On Mon, 08 Jan 2018 19:47:56 -0500,
wrote:

On Mon, 8 Jan 2018 19:29:11 -0500, Alex wrote:

wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:
and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being taxable.
and a Standard deduction of $24k, what's not to like.
I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Mikek
My 401K hit seven figures shortly after President Trump was elected and
has grown even more. I'll have to see how it affects my paycheck. The
new rates won't be active until next month. If this continues I might
be able to retire at 55!


===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back. I'd suggest keeping your job a
bit longer if you enjoy what you're doing. Inflation becomes a real
risk once you stop working.

---
This email has been checked for viruses by AVG.
http://www.avg.com

I'm realistically looking to retire by 60. I've got a few IRA's and
some non-retirement investments, too. I don't want to have to watch the
market all the time to feel comfortable.

Investing new money is challenging right now with the market so high.
I'm looking more and more at real estate.

===

I like real estate because it offers some protection against
inflation, and it offers an opportunity to use leverage effectively.
Managing rental property requires a fair degree of skill and effort
however.

Renters are generally a pain in the ass. It takes a special
personality to be a landlord. The only way I would do it is with an
agent and hold the property as an LLC. I did look into it when we were
trying to buy the house next door but I made up my mind I would have
just used it for my shop. The house was and still is a tear down but
there is some old nasty woman renting it. I doubt she has made a dime
in the last 2 years still trying to get the money back it took to make
it livable. She paid 100k for it and probably has another 100k in it
renting for $1300 a month.


Probably fetch more rent were it not located next to a disreputable tiki
bar...

Now it is disreputable?


Drinking, dancing, nude swimming, dogs ...

===

You should try it some time if you can find dogs that will dance with
you.



That reminds me. Mrs.E. has been trying to convince me to get another
dog since Sam Adams left. I don't want another dog. After the latest
encouragement to get one, I sent her this:

https://tinyurl.com/y7fpxvaf

Funny! Fitting there's a Lab on the label. It took about three years for my Lab to settle down. He hasn't chewed a downspout off the house in at least 6 months now.

What did you do to get rid of the chipmunks?

On 1/8/2018 6:33 PM, Alex wrote:
amdx wrote:
On 1/6/2018 10:42 PM, wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:

and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being
taxable.
and a Standard deduction of $24k, what's not to like.
Â* I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â* Â*Â* Mikek

My 401K hit seven figures shortly after President Trump was elected and
has grown even more.Â* I'll have to see how it affects my paycheck.Â* The
new rates won't be active until next month.Â* If this continues I might
be able to retire at 55!



===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back.Â* I'd suggest keeping your job a
bit longer if you enjoy what you're doing.Â* Inflation becomes a real
risk once you stop working.


Â*Inflation and Healthcare costs are big concerns when contemplating
retirement.
Â* If you can withstand market downturns* back testing shows having
80% plus invested in stocks/mutual funds will result in the highest
ending NW.
Â* Here are two retirement calculators. Firecalc is my favorite.
You can input data and within an hour you will figure all the inputs
that you want to adjust. It's pretty simple but powerful.
Â*The back testing is taking your portfolio and investing it in 1871
and following it 30 years with you withdrawing income each year. Then
graphing it. Then repeating this starting in 1872. This is done every
year until the present. All the lines are presented on one Graph, any
line that dips below zero is a failure. Then you need to decide are
you comfortable with a 96% chance of portfolio success.Â* 1973 and 1974
were
bad times to retire with a portfolio. Info on the website.
https://www.firecalc.com/

CfireSim is another, many people like it as well, but I found it more
difficult to use, Maybe because I started with Firecalc and liked it
so well. I think it might be a little more detailed.
http://www.cfiresim.com/


Â*If you have any questions about Firecalc, ask me. or think about

Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â*Â* Â*Â* Mikek
* if you have enough money to generate enough income to get you through
Â*the downturn, in the end you will have more money if you invest a
higher percentage in the market, 80% plus. This is using historic data,
will history repeat?



I've played with similar calculators in the past.Â* I'll give these a try.

Thanks!

Ah good! I've posted these links several times and never got a response.
It's like 80% of Americans don't save money for retirement.
Oh, I think that is the percentage.
Let me know how you like that graph with 130 lines on it.

The only ones that matter are the ones that fall to zero and
how many of those you are comfortable with.
Mikek

On 1/8/2018 10:07 PM, wrote:
On Mon, 08 Jan 2018 19:47:56 -0500,
wrote:

On Mon, 8 Jan 2018 19:29:11 -0500, Alex wrote:

wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:
and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being taxable.
and a Standard deduction of $24k, what's not to like.
I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Mikek
My 401K hit seven figures shortly after President Trump was elected and
has grown even more. I'll have to see how it affects my paycheck. The
new rates won't be active until next month. If this continues I might
be able to retire at 55!


===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back. I'd suggest keeping your job a
bit longer if you enjoy what you're doing. Inflation becomes a real
risk once you stop working.

---
This email has been checked for viruses by AVG.
http://www.avg.com

I'm realistically looking to retire by 60. I've got a few IRA's and
some non-retirement investments, too. I don't want to have to watch the
market all the time to feel comfortable.

Investing new money is challenging right now with the market so high.
I'm looking more and more at real estate.

===

I like real estate because it offers some protection against
inflation, and it offers an opportunity to use leverage effectively.
Managing rental property requires a fair degree of skill and effort
however.

Renters are generally a pain in the ass. It takes a special
personality to be a landlord. The only way I would do it is with an
agent and hold the property as an LLC. I did look into it when we were
trying to buy the house next door but I made up my mind I would have
just used it for my shop. The house was and still is a tear down but
there is some old nasty woman renting it. I doubt she has made a dime
in the last 2 years still trying to get the money back it took to make
it livable. She paid 100k for it and probably has another 100k in it
renting for $1300 a month.

Investing $200,000 on 1-1-17 in VTSAX would have returned $43,000 or
$3500 a month, plus another $6804 during the first 5 business days of
2018. ie, the stock market is hot!
And no maintenance, rent collection problem or property taxes.
Mikek

On Tue, 9 Jan 2018 16:55:20 -0600, amdx wrote:

On 1/8/2018 10:07 PM, wrote:
On Mon, 08 Jan 2018 19:47:56 -0500,
wrote:

On Mon, 8 Jan 2018 19:29:11 -0500, Alex wrote:

wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:
and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being taxable.
and a Standard deduction of $24k, what's not to like.
I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Mikek
My 401K hit seven figures shortly after President Trump was elected and
has grown even more. I'll have to see how it affects my paycheck. The
new rates won't be active until next month. If this continues I might
be able to retire at 55!


===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back. I'd suggest keeping your job a
bit longer if you enjoy what you're doing. Inflation becomes a real
risk once you stop working.

---
This email has been checked for viruses by AVG.
http://www.avg.com

I'm realistically looking to retire by 60. I've got a few IRA's and
some non-retirement investments, too. I don't want to have to watch the
market all the time to feel comfortable.

Investing new money is challenging right now with the market so high.
I'm looking more and more at real estate.

===

I like real estate because it offers some protection against
inflation, and it offers an opportunity to use leverage effectively.
Managing rental property requires a fair degree of skill and effort
however.

Renters are generally a pain in the ass. It takes a special
personality to be a landlord. The only way I would do it is with an
agent and hold the property as an LLC. I did look into it when we were
trying to buy the house next door but I made up my mind I would have
just used it for my shop. The house was and still is a tear down but
there is some old nasty woman renting it. I doubt she has made a dime
in the last 2 years still trying to get the money back it took to make
it livable. She paid 100k for it and probably has another 100k in it
renting for $1300 a month.

Investing $200,000 on 1-1-17 in VTSAX would have returned $43,000 or
$3500 a month, plus another $6804 during the first 5 business days of
2018. ie, the stock market is hot!
And no maintenance, rent collection problem or property taxes.

===

You might want to look at PRGTX also. I like it because it gives me
some international exposure and a well diversified tech portfolio.
Admittedly it is somewhat higher risk and with higher management fees,
but I keep it at less than 10% of my overall holdings.

On Tue, 09 Jan 2018 12:34:03 -0500, John H
wrote:

On Tue, 09 Jan 2018 11:43:41 -0500, wrote:

You should try it some time if you can find dogs that will dance with
you.

Most dogs swim nude. Don't know if they'd do so with krause though.

My dogs always wear a coat. I am the one that is nekid.

On Tue, 9 Jan 2018 13:54:57 -0500, "Mr. Luddite"
wrote:

On 1/9/2018 11:43 AM, wrote:
On 9 Jan 2018 16:38:00 GMT, Keyser Soze wrote:

wrote:
On Tue, 9 Jan 2018 07:29:52 -0500, Keyser Soze wrote:

On 1/8/18 11:07 PM, wrote:
On Mon, 08 Jan 2018 19:47:56 -0500,
wrote:

On Mon, 8 Jan 2018 19:29:11 -0500, Alex wrote:

wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:
and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being taxable.
and a Standard deduction of $24k, what's not to like.
I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Mikek
My 401K hit seven figures shortly after President Trump was elected and
has grown even more. I'll have to see how it affects my paycheck. The
new rates won't be active until next month. If this continues I might
be able to retire at 55!


===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back. I'd suggest keeping your job a
bit longer if you enjoy what you're doing. Inflation becomes a real
risk once you stop working.

---
This email has been checked for viruses by AVG.
http://www.avg.com

I'm realistically looking to retire by 60. I've got a few IRA's and
some non-retirement investments, too. I don't want to have to watch the
market all the time to feel comfortable.

Investing new money is challenging right now with the market so high.
I'm looking more and more at real estate.

===

I like real estate because it offers some protection against
inflation, and it offers an opportunity to use leverage effectively.
Managing rental property requires a fair degree of skill and effort
however.

Renters are generally a pain in the ass. It takes a special
personality to be a landlord. The only way I would do it is with an
agent and hold the property as an LLC. I did look into it when we were
trying to buy the house next door but I made up my mind I would have
just used it for my shop. The house was and still is a tear down but
there is some old nasty woman renting it. I doubt she has made a dime
in the last 2 years still trying to get the money back it took to make
it livable. She paid 100k for it and probably has another 100k in it
renting for $1300 a month.


Probably fetch more rent were it not located next to a disreputable tiki
bar...

Now it is disreputable?


Drinking, dancing, nude swimming, dogs ...

===

You should try it some time if you can find dogs that will dance with
you.



That reminds me. Mrs.E. has been trying to convince me to get another
dog since Sam Adams left. I don't want another dog. After the latest
encouragement to get one, I sent her this:

https://tinyurl.com/y7fpxvaf


I have a can of "behavior modification spray" that looks about the
same. I never even tried it. I am not sure if it was just a noise
maker or if it was some kind of nasty chemical but Deuce punched a
hole in it. He was still playing with it when I found him.

On Tue, 9 Jan 2018 11:24:38 -0800 (PST), Its Me
wrote:

On Tuesday, January 9, 2018 at 1:55:02 PM UTC-5, Mr. Luddite wrote:
On 1/9/2018 11:43 AM, wrote:
On 9 Jan 2018 16:38:00 GMT, Keyser Soze wrote:

wrote:
On Tue, 9 Jan 2018 07:29:52 -0500, Keyser Soze wrote:

On 1/8/18 11:07 PM, wrote:
On Mon, 08 Jan 2018 19:47:56 -0500,
wrote:

On Mon, 8 Jan 2018 19:29:11 -0500, Alex wrote:

wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:
and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being taxable.
and a Standard deduction of $24k, what's not to like.
I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Mikek
My 401K hit seven figures shortly after President Trump was elected and
has grown even more. I'll have to see how it affects my paycheck. The
new rates won't be active until next month. If this continues I might
be able to retire at 55!


===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back. I'd suggest keeping your job a
bit longer if you enjoy what you're doing. Inflation becomes a real
risk once you stop working.

---
This email has been checked for viruses by AVG.
http://www.avg.com

I'm realistically looking to retire by 60. I've got a few IRA's and
some non-retirement investments, too. I don't want to have to watch the
market all the time to feel comfortable.

Investing new money is challenging right now with the market so high.
I'm looking more and more at real estate.

===

I like real estate because it offers some protection against
inflation, and it offers an opportunity to use leverage effectively.
Managing rental property requires a fair degree of skill and effort
however.

Renters are generally a pain in the ass. It takes a special
personality to be a landlord. The only way I would do it is with an
agent and hold the property as an LLC. I did look into it when we were
trying to buy the house next door but I made up my mind I would have
just used it for my shop. The house was and still is a tear down but
there is some old nasty woman renting it. I doubt she has made a dime
in the last 2 years still trying to get the money back it took to make
it livable. She paid 100k for it and probably has another 100k in it
renting for $1300 a month.


Probably fetch more rent were it not located next to a disreputable tiki
bar...

Now it is disreputable?


Drinking, dancing, nude swimming, dogs ...

===

You should try it some time if you can find dogs that will dance with
you.



That reminds me. Mrs.E. has been trying to convince me to get another
dog since Sam Adams left. I don't want another dog. After the latest
encouragement to get one, I sent her this:

https://tinyurl.com/y7fpxvaf

Funny! Fitting there's a Lab on the label. It took about three years for my Lab to settle down. He hasn't chewed a downspout off the house in at least 6 months now.

So I only have a couple years to go?

On 1/9/2018 6:59 PM, wrote:
On Tue, 9 Jan 2018 13:54:57 -0500, "Mr. Luddite"
wrote:

On 1/9/2018 11:43 AM, wrote:
On 9 Jan 2018 16:38:00 GMT, Keyser Soze wrote:

wrote:
On Tue, 9 Jan 2018 07:29:52 -0500, Keyser Soze wrote:

On 1/8/18 11:07 PM, wrote:
On Mon, 08 Jan 2018 19:47:56 -0500,
wrote:

On Mon, 8 Jan 2018 19:29:11 -0500, Alex wrote:

wrote:
On Sat, 6 Jan 2018 22:35:27 -0500, Alex wrote:

amdx wrote:
and hey, how about the stock market?

I should do well under the new tax law, looks like I'll qualify for
the pass thru, knocking off 20% of my business income from being taxable.
and a Standard deduction of $24k, what's not to like.
I'll will lose two child deductions, but I would have lost one
anyone, she's getting married.

Mikek
My 401K hit seven figures shortly after President Trump was elected and
has grown even more. I'll have to see how it affects my paycheck. The
new rates won't be active until next month. If this continues I might
be able to retire at 55!


===

I've been moving into more conservative, and more diversified assets
in anticipation of a market pull back. I'd suggest keeping your job a
bit longer if you enjoy what you're doing. Inflation becomes a real
risk once you stop working.

---
This email has been checked for viruses by AVG.
http://www.avg.com

I'm realistically looking to retire by 60. I've got a few IRA's and
some non-retirement investments, too. I don't want to have to watch the
market all the time to feel comfortable.

Investing new money is challenging right now with the market so high.
I'm looking more and more at real estate.

===

I like real estate because it offers some protection against
inflation, and it offers an opportunity to use leverage effectively.
Managing rental property requires a fair degree of skill and effort
however.

Renters are generally a pain in the ass. It takes a special
personality to be a landlord. The only way I would do it is with an
agent and hold the property as an LLC. I did look into it when we were
trying to buy the house next door but I made up my mind I would have
just used it for my shop. The house was and still is a tear down but
there is some old nasty woman renting it. I doubt she has made a dime
in the last 2 years still trying to get the money back it took to make
it livable. She paid 100k for it and probably has another 100k in it
renting for $1300 a month.


Probably fetch more rent were it not located next to a disreputable tiki
bar...

Now it is disreputable?


Drinking, dancing, nude swimming, dogs ...

===

You should try it some time if you can find dogs that will dance with
you.



That reminds me. Mrs.E. has been trying to convince me to get another
dog since Sam Adams left. I don't want another dog. After the latest
encouragement to get one, I sent her this:

https://tinyurl.com/y7fpxvaf


I have a can of "behavior modification spray" that looks about the
same. I never even tried it. I am not sure if it was just a noise
maker or if it was some kind of nasty chemical but Deuce punched a
hole in it. He was still playing with it when I found him.



Mrs.E. used to use "Bitter Apple" spray on the paddock fencing to stop
her horses from chewing on the rails. Took about a week but they got to
really like the taste and chewed more.