On 1/12/2018 5:35 PM, Keyser Soze wrote:
On 1/12/18 4:56 PM, amdx wrote:
On 1/12/2018 3:38 PM, Keyser Soze wrote:
On 1/12/18 3:57 PM, True North wrote:
On Friday, 12 January 2018 14:35:29 UTC-4, Keyser SozeÂ* wrote:
On 1/12/18 12:14 PM, amdx wrote:
On 1/12/2018 9:00 AM, Keyser Soze wrote:
On 1/12/18 9:46 AM, amdx wrote:
On 1/8/2018 6:29 PM, 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.
Â*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*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.
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.

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

I'm realistically looking to retire by 60.Â* I've got a few
IRA's and
some non-retirement investments, too.Â* 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.

Many people do well with real estate, but if you buy rentals you
are
buying a job. 20 some years ago I had 5 rentals, I did well with
them,
but when I moved out of state I sold them all, and at 62 I have
zero
interest being on call to do repairs or maintenance.
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*Â*Â*Â* Mikek


When the market "corrects" and tumbles, what are you going to
do...go
back to selling shrimp?

Â* Â*Well, I do expect it to correct, but the market always corrects.
Â* Â*And then it surpasses it's old high. It's possible at some point I
will get the itch that "enough IS enough) and decide to get out. Then
the question is where;s the bottom, when do you get back in? You
can't
time the market. At least not often enough over the long term.
Â* Â*I expect my nest egg to support at least my young wife for 30 more
years. That means I could have 30 more years of growth. 30 years of
growth at a conservative 6% will multiply a $1 in to $6 over 30
years.
Â* Â*There will be fluctuations, as long as we have enough income
during a
downturn we are good. We are good.
Â* Â* I'm about 70% in equities and may reduce that as I get older,
but I
doubt I will ever get to 50%.
Â* Â*I have a very tiny amount in bonds, because as rates rise, bonds
decrease and we are in a rising rate environment. I regret that
investment now, but I was restricted on what I could buy in my HSA
account.
Â* Â* I have breakfast with several other retirees twice a week. A
common
subject is how we live frugally and how we don't need to. However we
don't know what we need that we would spend money on.
Â* Â* My wife is very frugal, she recently went shopping for shirts
for me.
Â* Â*She picked out 10 or 11 shirts and had them held, she told me
to go
look at the shirts, pick out what you like (she picked out the best
quality they had) and buy them. I went and bought 6 of the shirts I
liked. They were $2 a piece at Salvation Army. For $12 I got $120 to
$200 worth of shirts and they are great.
Â* Â*That's only one method we used to get to the Top 1% *.
Â* Â*Ok, I wanted you to stew for a second.
Not really in the top 1% but we're comfortable.

Â* Â* At this point, I'm invested for my kids.
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

Â* Â** I know how much you hate the 1%. Those evil rich people.


You were a hard-working guy. I have no reason to resent your financial
success.

My wife, who is 18 years younger than I am, should have a lovely
retirement.

She'll get a solid retirement from her employer, where she's been
for 20
years. Very shortly, her age and years of service will add up to 75,
which is the magic number for full retirement if you want to take
it. It
is reduced some for each year before the age of 60, if you take
retirement. Plus, at some point later, she'll get Social Security.
Plus
her savings and other items. And, of course, she can charge $150 to
$200
an hour for therapy she provides as a private practitioner. She's
thinking of "retiring" to Hilton Head, where there is a large pool of
potential patients who aren't worried about paying for therapy via
health insurance.

Â*From what I've seen of those southern boys in here...your wife
would have an avalanche of needy clients. She'd be doing the country
a great service if she could straighten out even a small percentage
of them.



Her future partner in Hilton Head and Savannah sees 6-8 patients a
day, five days a week, year around, and has a long waiting list, from
what I recall from our visit last summer. I doubt either of the
ladies would want to deal with the boys in here.

Â*Â*BTW,
Â*Â*To be in the top 1% of the WORLD, you need a household income of
$32,500 or you need $750,000 net worth.
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*Â* Mikek


Such doesn't really interest me...


Seems like now-a-days if you keep your nose to the wheel stone, work
hard, be honest, treat customers and employees fairly that over the
years you may enjoy some level of success ... BUT ... if you succeed
too much in the eyes of many you go into the vilified file.

On 1/12/18 5:54 PM, Mr. Luddite wrote:
On 1/12/2018 5:35 PM, Keyser Soze wrote:
On 1/12/18 4:56 PM, amdx wrote:
On 1/12/2018 3:38 PM, Keyser Soze wrote:
On 1/12/18 3:57 PM, True North wrote:
On Friday, 12 January 2018 14:35:29 UTC-4, Keyser SozeÂ* wrote:
On 1/12/18 12:14 PM, amdx wrote:
On 1/12/2018 9:00 AM, Keyser Soze wrote:
On 1/12/18 9:46 AM, amdx wrote:
On 1/8/2018 6:29 PM, 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.
Â*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*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.
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.

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

I'm realistically looking to retire by 60.Â* I've got a few
IRA's and
some non-retirement investments, too.Â* 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.

Many people do well with real estate, but if you buy rentals
you are
buying a job. 20 some years ago I had 5 rentals, I did well
with them,
but when I moved out of state I sold them all, and at 62 I have
zero
interest being on call to do repairs or maintenance.
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*Â*Â*Â* Mikek


When the market "corrects" and tumbles, what are you going to
do...go
back to selling shrimp?

Â* Â*Well, I do expect it to correct, but the market always corrects.
Â* Â*And then it surpasses it's old high. It's possible at some
point I
will get the itch that "enough IS enough) and decide to get out.
Then
the question is where;s the bottom, when do you get back in? You
can't
time the market. At least not often enough over the long term.
Â* Â*I expect my nest egg to support at least my young wife for 30
more
years. That means I could have 30 more years of growth. 30 years of
growth at a conservative 6% will multiply a $1 in to $6 over 30
years.
Â* Â*There will be fluctuations, as long as we have enough income
during a
downturn we are good. We are good.
Â* Â* I'm about 70% in equities and may reduce that as I get older,
but I
doubt I will ever get to 50%.
Â* Â*I have a very tiny amount in bonds, because as rates rise, bonds
decrease and we are in a rising rate environment. I regret that
investment now, but I was restricted on what I could buy in my
HSA account.
Â* Â* I have breakfast with several other retirees twice a week. A
common
subject is how we live frugally and how we don't need to. However we
don't know what we need that we would spend money on.
Â* Â* My wife is very frugal, she recently went shopping for shirts
for me.
Â* Â*She picked out 10 or 11 shirts and had them held, she told me
to go
look at the shirts, pick out what you like (she picked out the best
quality they had) and buy them. I went and bought 6 of the shirts I
liked. They were $2 a piece at Salvation Army. For $12 I got $120 to
$200 worth of shirts and they are great.
Â* Â*That's only one method we used to get to the Top 1% *.
Â* Â*Ok, I wanted you to stew for a second.
Not really in the top 1% but we're comfortable.

Â* Â* At this point, I'm invested for my kids.
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

Â* Â** I know how much you hate the 1%. Those evil rich people.


You were a hard-working guy. I have no reason to resent your
financial
success.

My wife, who is 18 years younger than I am, should have a lovely
retirement.

She'll get a solid retirement from her employer, where she's been
for 20
years. Very shortly, her age and years of service will add up to 75,
which is the magic number for full retirement if you want to take
it. It
is reduced some for each year before the age of 60, if you take
retirement. Plus, at some point later, she'll get Social Security.
Plus
her savings and other items. And, of course, she can charge $150
to $200
an hour for therapy she provides as a private practitioner. She's
thinking of "retiring" to Hilton Head, where there is a large pool of
potential patients who aren't worried about paying for therapy via
health insurance.

Â*From what I've seen of those southern boys in here...your wife
would have an avalanche of needy clients. She'd be doing the
country a great service if she could straighten out even a small
percentage of them.



Her future partner in Hilton Head and Savannah sees 6-8 patients a
day, five days a week, year around, and has a long waiting list,
from what I recall from our visit last summer. I doubt either of the
ladies would want to deal with the boys in here.

Â*Â*BTW,
Â*Â*To be in the top 1% of the WORLD, you need a household income of
$32,500 or you need $750,000 net worth.
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*Â* Mikek


Such doesn't really interest me...


Seems like now-a-days if you keep your nose to the wheel stone, work
hard, be honest, treat customers and employees fairly that over the
years you may enjoy some level of success ...Â* BUT ... if you succeed
too much in the eyes of many you go into the vilified file.




I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness. Greedy grifters like Trump make me
want to throw up. He certainly did not work hard, nor was he honest, and
he didn't treat people fairly. But there are people far wealthier than
Trump who do the right thing with their money who I admire because of that.

On Fri, 12 Jan 2018 18:08:50 -0500, Keyser Soze
wrote:



I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness.

Guilty?
If what you have said is true you are the top 1% of the US and more
like the top .0001% of the world. I bet you never said "naa, that's
too much" and gave your employer some back.

On 1/12/18 11:05 PM, wrote:
On Fri, 12 Jan 2018 18:08:50 -0500, Keyser Soze
wrote:



I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness.

Guilty?
If what you have said is true you are the top 1% of the US and more
like the top .0001% of the world. I bet you never said "naa, that's
too much" and gave your employer some back.


My employer has been me since the mid-1970s.

On Sat, 13 Jan 2018 08:05:16 -0500, Keyser Soze
wrote:

On 1/12/18 11:05 PM, wrote:
On Fri, 12 Jan 2018 18:08:50 -0500, Keyser Soze
wrote:



I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness.

Guilty?
If what you have said is true you are the top 1% of the US and more
like the top .0001% of the world. I bet you never said "naa, that's
too much" and gave your employer some back.


My employer has been me since the mid-1970s.


===

That would explain why you haven't been fired.

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

On Sat, 13 Jan 2018 08:05:16 -0500, Keyser Soze
wrote:

On 1/12/18 11:05 PM, wrote:
On Fri, 12 Jan 2018 18:08:50 -0500, Keyser Soze
wrote:



I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness.

Guilty?
If what you have said is true you are the top 1% of the US and more
like the top .0001% of the world. I bet you never said "naa, that's
too much" and gave your employer some back.


My employer has been me since the mid-1970s.

Maybe in the eyes of the IRS but your employer is everyone who employs
your services. I bet you squeeze them as hard as you can.

On 1/13/18 1:13 PM, wrote:
On Sat, 13 Jan 2018 08:05:16 -0500, Keyser Soze
wrote:

On 1/12/18 11:05 PM, wrote:
On Fri, 12 Jan 2018 18:08:50 -0500, Keyser Soze
wrote:



I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness.

Guilty?
If what you have said is true you are the top 1% of the US and more
like the top .0001% of the world. I bet you never said "naa, that's
too much" and gave your employer some back.


My employer has been me since the mid-1970s.

Maybe in the eyes of the IRS but your employer is everyone who employs
your services. I bet you squeeze them as hard as you can.


Nope. In fact, often I have undercut the prices of competitors for
monthly services covered by a contract. I haven't raised my price for
researching and writing a 15-30 minute speech in 15 years, and I've
lowered my price for visual presentations because the software these
days is easier to use. A full-time staff speechwriter in DC for a major
league client can command an annual salary of $150,000-$200,000, so if I
can produce three or four speeches a year for a client, I'm a bargain.
Serious annual reports are higher because there is so much back and
forth, editing, lawyer and CPA demanded changes, et cetera. I don't mark
up out-of-pocket expenses, such as graphics artists, travel, et cetera.

I've had three clients under contract for 15-30 years.

On Sat, 13 Jan 2018 13:31:21 -0500, Keyser Soze
wrote:

On 1/13/18 1:13 PM, wrote:
On Sat, 13 Jan 2018 08:05:16 -0500, Keyser Soze
wrote:

On 1/12/18 11:05 PM, wrote:
On Fri, 12 Jan 2018 18:08:50 -0500, Keyser Soze
wrote:



I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness.

Guilty?
If what you have said is true you are the top 1% of the US and more
like the top .0001% of the world. I bet you never said "naa, that's
too much" and gave your employer some back.


My employer has been me since the mid-1970s.

Maybe in the eyes of the IRS but your employer is everyone who employs
your services. I bet you squeeze them as hard as you can.


Nope. In fact, often I have undercut the prices of competitors for
monthly services covered by a contract. I haven't raised my price for
researching and writing a 15-30 minute speech in 15 years, and I've
lowered my price for visual presentations because the software these
days is easier to use. A full-time staff speechwriter in DC for a major
league client can command an annual salary of $150,000-$200,000, so if I
can produce three or four speeches a year for a client, I'm a bargain.
Serious annual reports are higher because there is so much back and
forth, editing, lawyer and CPA demanded changes, et cetera. I don't mark
up out-of-pocket expenses, such as graphics artists, travel, et cetera.

I've had three clients under contract for 15-30 years.

So you have a number of employers

On Friday, January 12, 2018 at 6:08:53 PM UTC-5, Keyser Soze wrote:
On 1/12/18 5:54 PM, Mr. Luddite wrote:
On 1/12/2018 5:35 PM, Keyser Soze wrote:
On 1/12/18 4:56 PM, amdx wrote:
On 1/12/2018 3:38 PM, Keyser Soze wrote:

Her future partner in Hilton Head and Savannah sees 6-8 patients a
day, five days a week, year around, and has a long waiting list,
from what I recall from our visit last summer. I doubt either of the
ladies would want to deal with the boys in here.

Â*Â*BTW,
Â*Â*To be in the top 1% of the WORLD, you need a household income of
$32,500 or you need $750,000 net worth.
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*Â* Mikek


Such doesn't really interest me...


Seems like now-a-days if you keep your nose to the wheel stone, work
hard, be honest, treat customers and employees fairly that over the
years you may enjoy some level of success ...Â* BUT ... if you succeed
too much in the eyes of many you go into the vilified file.




I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness.

Yet you keep talking about your wife getting 150-200 an hour in her future practice. You are kneeling at the altar of sick.

Its Me Wrote in message:
On Friday, January 12, 2018 at 6:08:53 PM UTC-5, Keyser Soze wrote:
On 1/12/18 5:54 PM, Mr. Luddite wrote:
On 1/12/2018 5:35 PM, Keyser Soze wrote:
On 1/12/18 4:56 PM, amdx wrote:
On 1/12/2018 3:38 PM, Keyser Soze wrote:

Her future partner in Hilton Head and Savannah sees 6-8 patients a
day, five days a week, year around, and has a long waiting list,
from what I recall from our visit last summer. I doubt either of the
ladies would want to deal with the boys in here.

BTW,
To be in the top 1% of the WORLD, you need a household income of
$32,500 or you need $750,000 net worth.
Mikek


Such doesn't really interest me...


Seems like now-a-days if you keep your nose to the wheel stone, work
hard, be honest, treat customers and employees fairly that over the
years you may enjoy some level of success ... BUT ... if you succeed
too much in the eyes of many you go into the vilified file.




I have no interest in the "1% of the world." I think the pursuit of
money for greed's sake is a sickness.

Yet you keep talking about your wife getting 150-200 an hour in her future practice. You are kneeling at the altar of sick.


He has nothing else to look forward to. His well being is
dependant on his brides ability to weasel in on the con her
girlfriend is running at Hilton Head.
--
x


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