Search found 72 matches

by startbyserving
Tue May 24, 2016 3:25 pm
Forum: Money Questions
Topic: Anyone else FI now but still working for a bit longer?
Replies: 138
Views: 31550

Re: Anyone else FI now but still working for a bit longer?

I'm somewhat FI but not close to ERE. You're in a good situation, so don't be afraid to use that to your advantage. Want more money, benefits, etc? Work from home?

Just ask...
by startbyserving
Tue May 24, 2016 3:18 pm
Forum: Money Questions
Topic: Where to put IRA?
Replies: 3
Views: 966

Re: Where to put IRA?

I'm happy with Etrade and TDameritrade. I have 2 accounts with Etrade.

While I agree with Dragline that there is no hurry to rollover to a new provider if you are happy. However how much ETF purchasing do you do? That's what keeps me with my current providers.
by startbyserving
Mon Feb 01, 2016 12:30 pm
Forum: Friends & Family Questions
Topic: Do others Respect you if you don't have a Job and ERE
Replies: 59
Views: 21925

Re: Do others Respect you if you don't have a Job and ERE

I like some of the other responses, that it's best to not be concerned by others or change the subject. I see Op has an open mind and has a lot to consider. The following may not be applicable to Op, but does relate to this thread: After seeing "Stoic" mentality mentioned several times on ...
by startbyserving
Fri Jan 29, 2016 3:29 pm
Forum: Work & Education
Topic: Leveraging Offers from other companies for wage raise
Replies: 14
Views: 3151

Re: Leveraging Offers from other companies for wage raise

First, how interested are you in switching to the other company? You sound like you hit it off, so that is something you may want to consider. Personally, I would talk to your current company sooner rather than later. What I would say to current boss: "I have received an offer from a competing ...
by startbyserving
Tue Jan 26, 2016 4:01 pm
Forum: Lifestyle Questions
Topic: List your top three to fiveish typical dinner menus
Replies: 146
Views: 34640

Re: List your top three to fiveish typical dinner menus

Chili - (Dry Kidney beans, No meat) ** Chicken Tacos *** /** Chicken and Cheese (Chicken breast casserole with cream of chicken, Cheese, Milk and breadcrumbs on top.) Pot Pie (refrigerated crust, Chicken breast, cream of chicken, canned vegetables.) Pizza (~ w/ peppers, onions, mushrooms) ** ** I tr...
by startbyserving
Sun Dec 27, 2015 9:45 pm
Forum: Housing Questions
Topic: Huge Utility Savings! Experimentation in "Small House" living inside a "Big House". + Space heater usage
Replies: 5
Views: 2800

Re: Huge Utility Savings! Expirmentation in "Small House" living inside a "Big House". + Space heater usage

Thanks for suggestion. Forgoing the fireplace will certainly be a consideration. I'd compromise on that before having vaulted ceilings. - I have no intention of using a fireplace by itself. I haven't checked the exact efficiency comparison, but I would use a good insert in a fireplace. - I might con...
by startbyserving
Tue Dec 22, 2015 5:08 pm
Forum: Housing Questions
Topic: Huge Utility Savings! Experimentation in "Small House" living inside a "Big House". + Space heater usage
Replies: 5
Views: 2800

Re: Huge Utility Savings! Expirmentation in "Small House" living inside a "Big House".

Electric space heater usage and safety. - This deserves its own post. I'll start with some general basics. ( Most of these will be listed in owner manual.) * Only use 1 space heater per circuit / breaker. *Do not use on circuits with microwaves, fridges, or other high usage devices. * Avoid use of ...
by startbyserving
Tue Dec 22, 2015 4:19 pm
Forum: Housing Questions
Topic: Huge Utility Savings! Experimentation in "Small House" living inside a "Big House". + Space heater usage
Replies: 5
Views: 2800

Huge Utility Savings! Experimentation in "Small House" living inside a "Big House". + Space heater usage

So in my window plastic insulation post I mentioned I would be moving into a (Smaller) spare bedroom to save on utilities. (http://forum.earlyretirementextreme.com/viewtopic.php?f=14&t=6007) The results are biased due to this year being 9 degrees warmer over the last 2 months. First month: 50% r...
by startbyserving
Sun Dec 20, 2015 8:56 pm
Forum: Transportation Questions
Topic: Talk Me Into Buying a Car
Replies: 34
Views: 9695

Re: Talk Me Into Buying a Car

My abilities on Maintenance are very limited. - Change oil , Brakes (Not extremely well), Etc. Yet, I've broke even, or make money on the majority or cars I have purchased. (Including cost of repairs!) It sounds like you have a lot more abilities than I do and you have a keen eye on the right car to...
by startbyserving
Sat Nov 28, 2015 1:45 pm
Forum: Skills & Tools Questions
Topic: Affordable anti-virus software...
Replies: 13
Views: 2548

Re: Affordable anti-virus software...

I used to use Comodo. Windows defender and common sense are best combination. Using Mc affee or norton is asking for viruses.
by startbyserving
Thu Nov 12, 2015 5:27 pm
Forum: Lifestyle Questions
Topic: Reduced my cell phone bill by $60 a month
Replies: 33
Views: 6843

Re: Reduced my cell phone bill by $60 a month

I'd love to reduce my phone bill by $60 per month! Anyone know a carrier that pays $59 /mo for you to use their service? ***Okay perhaps that isn't fair anymore. I was paying $10 per year with T-Mobile* for the longest time. However, after work bought me a phone, I let it lapse by accident. (And los...
by startbyserving
Tue Oct 27, 2015 10:11 pm
Forum: Work & Education
Topic: What full-time wage do you need to cover current expenses?
Replies: 41
Views: 9817

Re: What full-time wage do you need to cover current expenses?

Fun exercise: The last two months I spend $547.43 and 520.57***. If I round that to $600 to cover any missed items and things covered by work. (I would still need to go to the dentist which is covered currently.) I arrive at $3.6 per hour. - But I would rather not work full time. So 20 hours a week ...
by startbyserving
Tue Oct 27, 2015 9:29 pm
Forum: Health Questions
Topic: What to do when hurt and muscle is main form of transport?
Replies: 8
Views: 2084

Re: What to do when hurt and muscle is main form of transport?

In general, a disability is either something you plan for or make due if it happens. You either have the monetary buffer or you don't. If you get hurt with no money you do the best you can. Hopefully if someone hits you with their car they have enough insurance to cover you - Most don't, which is wh...
by startbyserving
Fri Oct 16, 2015 6:14 am
Forum: Skills & Tools Questions
Topic: How to avoid making a mess when cutting my own hair?
Replies: 25
Views: 39275

Re: How to avoid making a mess when cutting my own hair?

- I usually just use a vacuum. I have fairly thick frizzy hair so it tends to go everywhere. It works out well as I can go ahead and vacuum any dust that may be around the bathroom floors and counter. I use the clippers for pretty much everything. I use the longest blade on top with the guard also s...
by startbyserving
Fri Oct 09, 2015 12:03 am
Forum: Housing Questions
Topic: Using Plastic Wrap and Glue Sticks to insulate Windows
Replies: 10
Views: 14616

Re: Using Plastic Wrap and Glue Sticks to insulate Windows

Thought I'd bump this as "Winter is Coming". This year also planning to move in to a smaller bedroom which has dual benefits: Much smaller area if we use a space heater. Master bedroom is larger and has a vaulted ceiling. (Space heater isn't as 'efficient' as a heat pump, but it is heating...
by startbyserving
Tue Oct 06, 2015 6:50 pm
Forum: Money Questions
Topic: Optimal Income Thresholds Post ERE
Replies: 32
Views: 11843

Re: Optimal Income Thresholds Post ERE

Married: Saver's Credit: *** The max AGI for the Saver's Credit is $36,500. If you use Traditional IRA's your earned income could be $47,500 since you will be deducting $11,000 from your earned income. If you also both used a qualifying plan and contributed $18K each per year, your gross income cou...
by startbyserving
Thu Oct 01, 2015 5:45 pm
Forum: Transportation Questions
Topic: The Elio, the Frugal man's car?
Replies: 10
Views: 4698

Re: The Elio, the Frugal man's car?

I was monitoring the Elio Last year. I made some posts to the their board discussing calculated risks. I made the claim there to be zero benefit in making a 'all in' deposit less than $1000. (Go 'all in' or don't) Response I got was essentially they were putting in a little but of a time similar to ...
by startbyserving
Thu Oct 01, 2015 3:25 pm
Forum: Housing Questions
Topic: Choosing my next house. How to pick a 'fixer-upper' ?
Replies: 8
Views: 2835

Re: Choosing my next house. How to pick a 'fixer-upper' ?

Big factor for smaller house choice is lower utility bills / total cost / environmental impact. We have both a summer and winter here, but about 70-80% of our annual HVAC expense is for heating. (Heat rises) A fan in winter position helps, but only if the HVAC thermostat is warm enough for the fan n...
by startbyserving
Wed Sep 30, 2015 4:49 pm
Forum: Housing Questions
Topic: Pitfalls in Duplex as a First House?
Replies: 9
Views: 3898

Re: Pitfalls in Duplex as a First House?

I've always heard of people getting started in real estate via this method. My father in law started out in a duplex. He now has a handful of duplexes among his other businesses. This is no accident though. He's one of the hardest workers I know. Unfortunately Sig Other has an aversion to multi-unit...
by startbyserving
Wed Sep 30, 2015 4:01 pm
Forum: Housing Questions
Topic: Choosing my next house. How to pick a 'fixer-upper' ?
Replies: 8
Views: 2835

Re: Choosing my next house. How to pick a 'fixer-upper' ?

I have a million dreamy ideas floating around in my head. Recently Earthbag houses, and Aircrete houses have taken my interest. I have no intentions of venturing out into the wilderness/desert anytime soon, so those will remain fantasies. Once I think about it, I have trouble justifying spending $10...