- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Coaching Changes
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Joe D Grinder
| Favorite team: | Navy  |
| Location: | |
| Biography: | |
| Interests: | |
| Occupation: | Navy |
| Number of Posts: | 875 |
| Registered on: | 6/15/2014 |
| Online Status: | Not Online |
Recent Posts
Message
re: McShay Drops Mock 1.0
Posted by Joe D Grinder on 1/7/26 at 4:59 pm to Zephyrius
Ty Simpspn has declared for the draft. Not sure that changes anything in the Top 8 but it could. If QB needy teams take 3 QBs now, we're really looking good.
0
re: Trying peptides. BPC 157, TB500 for elbow pain
Posted by Joe D Grinder on 1/4/26 at 5:25 pm to Bleed P&G
Got it, thanks for the response!
re: Trying peptides. BPC 157, TB500 for elbow pain
Posted by Joe D Grinder on 1/4/26 at 4:36 pm to 21savage
Right on thanks! It's not much more for GLOW. The KLOW cost a decent amount more so I may just get GLOW. Are you good with Nexaph test results?
re: Draft Position Thread (Updated 1.4.2025) Saints draft 8th overall
Posted by Joe D Grinder on 1/4/26 at 1:38 pm to LooseCannon22282
I'm really hoping for the 9 spot. NO, KC, and Cinn all win I think that's where we end up.
re: Trying peptides. BPC 157, TB500 for elbow pain
Posted by Joe D Grinder on 1/4/26 at 12:33 pm to 21savage
Did you get your order and all good? I'm looking at ordering from Nexaph as well. I'm having an umbilical hernia surgery this week and thinking I may want to get on thus stuff. Wondering if I should look at GLOW or just stick with the basic Wolverine mix.
re: The rest of the games Game Thread 2024-2025
Posted by Joe D Grinder on 3/15/25 at 9:53 pm to Delusional
This is a stupid fricking team no matter which way you slice it
re: What vehicle do you miss/regret getting rid of?
Posted by Joe D Grinder on 3/11/25 at 3:40 pm to boxcarbarney
20th Anny 1984 Mustang 5.0. Sold it to get money to move and the move didn't happen :banghead:
Then had a 96 GMC Yukon. Really liked it but moved, again, and sold it. The money from that only let me get a PoS so I regretted not just taking it...
Then had a 96 GMC Yukon. Really liked it but moved, again, and sold it. The money from that only let me get a PoS so I regretted not just taking it...
re: Fella's the market was artificially..
Posted by Joe D Grinder on 3/10/25 at 2:47 pm to slackster
quote:
manipulate the board.
Bingo. That's what this clown did a few years ago and I thought he was banned from here.
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/18/25 at 5:22 pm to TorchtheFlyingTiger
My condo was my primary and then I bought a house and made it the primary. Been renting my condo off the books. So 1031 would require me to report it as a rental first to do an exchange into another investment property. But I'm not sure that would work if I want to make that property my "primary" in a non tax state right? But yes Hawaii loves its taxes :casty:
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 9:24 pm to TorchtheFlyingTiger
quote:
Roth conversion vs taxable warrants a much closer look just offering it up for consideration.
:cheers: planning on doing a thorough look into this
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 6:16 pm to Billy Blanks
quote:
What do you spend dining out? We spend a crap ton each month.
We eat at home a lot but with traveling that will obviously change and be a big part of expenses. We will plan to do more long-terms stays where we go and rent places with kitchens so we don't have to eat out every night. And especially because we're foodies so eating out isn't cheap for us :lol:
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 6:13 pm to TorchtheFlyingTiger
quote:
Consider tax gain harvesting while taxable income is low and you can potentially pay zero LTCG instead of Roth conversions.
Hadn't heard of that before and just did a quick read. I can see it makes sense selling a stock I like and then buying it back effectively resetting the cost basis of it which will lower to CG in the future. Wouldn't I want to do Roth conversions first though since those funds will grow tax free? Plus not having to deal with RMDs.
quote:
Is it possible FA biases to Roth conversion to get more assets under management thus higher fees?
:lol: you're likely not wrong. However, I've been very clear and up front my 401K funds that I convert are going into my Vanguard account. I have $450k with NWM that they're getting 1% on and again, i was upfront about selling those non-quals first because I don't want to keep paying 1%.
Regarding living circumstances and taxes, we plan on coming back home to Hawaii too, so we're not going to be doing permanent EU residency for me for a while, if ever. Wouldn't sell our actual primary for a while since it allows for us to have a home waiting in Hawaii and everything covered even if we don't rent our portion out. We may only switch classification of primary to a non tax state if we sell the condo. Still can wrote off the mortgage on our second home if we do change the primary.
Thanks for the advice on TIPS and everything else. Let me know if anything I'm saying doesn't make sense.
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 4:31 pm to TorchtheFlyingTiger
quote:
Thats over $2.5m (4% SWR=$100k)
Plus second/rental home which either can generate income or be sold.
Yep. I feel like we have cushion and we definitely have SHTF measures we can take selling a house or both and moving somewhere cheaper to live if we decide to live out our final years in the USA.
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 4:28 pm to Billy Blanks
quote:
Gotcha, years ago I'd say 75 would be enough but man, dollars just don't go as far as they used to. A $100 today feels like 15-20 bucks 10 years ago.
I know, it's scary. $6k a month which goes up every year by COL should hopefully do it. If not, and we spend more, I'm still ok. And worst case, I'll pick up some PT job or do some consulting. I may want to work anyway after a few years if I get bored.
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 4:04 pm to el Gaucho
quote:
Hope you don’t need to go to the grocery store when you retire
:lol:
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 4:01 pm to Billy Blanks
quote:
75k would be tough imo with travel in there
$75k is travel, food, and fun. We shouldn't have costs for rent as it's offset renting our upstairs unit. Not every month will we be doing some big trip as we're going to be living in Europe and so there will be plenty of times we'll be chilling at the beach there and exploring cities in that country. I think the plan has us on over $100k living expenses by the time we're in our mid-60s if I'm not mistaken. But yes, at first I thought $75k might be too low. I'm hoping not!
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 2:38 pm to KWL85
quote:
Rentals were fine to get me started, but started getting into commercial leases and new construction. I started selling my rentals and putting the money into those avenues. I like new construction because it involves projects that are short term. Buy lots, hire builder, build house, sell it.
I wanted to get into commercial buildings but never had the time to learn it. I will have time now! Dealing with tenants is annoying and time consuming for sure.
quote:
Recently, I pulled most of the bond money out and put it back into stocks. I am 90% stocks now. I decided that as long as I have a couple of years of money outside of stocks that I could use if we hit a prolonged downturn in the market, then why keep so much in bonds. It is very seldom that we experience a downturn in stocks that persists for 2 years or more. Once you have a decent amount of wealth, like you do, then I no longer see the need to keep the typically advised amount of money in low growth classes of assets.
Thanks for this as I wonder as well about "too much" bonds. Sort of competing ideas with the post above and TIPS. Both to consider.
quote:
Last thing to add is that you may be pleasantly surprised by how much your income will be in your retirement years. At least if you stay active in investing. You might see that in your 70s?
I hope you're right! The plan shows me having a good chunk of change until he shows me dying at 95 so my wife will have plenty to spend in her late 80's early 90's :lol:
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/17/25 at 2:31 pm to gpburdell
quote:
If so, here's what I'd do if I was in your shoes. I'd build a 20 year $75k TIPS ladder that would go until age 70. That would cost ~$1.1 mil. Or even go longer if you want.
Sorry for the delayed response but we're on vacation now :lol:
No kids and will plan on leaving behind for our nieces and nephews but that will just be lagniappe for them.
I will look into this more. First reaction is concerns about pulling money from the market to put it into a lower, albeit safer, return. That's without me looking into TIPS at all yet so I will do research on it soon. Thanks again for your suggestion!
re: Amazon Shipping
Posted by Joe D Grinder on 1/17/25 at 2:34 am to AUstar
quote:
Since November, all my orders have been taking 5-7 days. At first I just chalked it up to the Christmas rush, but that's over now. Every item that I see with "prime" shipping says it will be 5-7 business days
This exactly for me too. Thinking of canceling as well.
re: Is JD5 more impressive than Burrow?
Posted by Joe D Grinder on 1/16/25 at 6:54 pm to lsupride87
Bat signal sent
You are an LSU fan and seem to have a dislike for Burrow. At minimum, you minimize his accomplishments. Why? We know you like Josh and so do I, you seem hellbent on making sure to shite on Burrow in thread after thread.
quote:
lsupride87
You are an LSU fan and seem to have a dislike for Burrow. At minimum, you minimize his accomplishments. Why? We know you like Josh and so do I, you seem hellbent on making sure to shite on Burrow in thread after thread.
re: Need a second opinion from the MT board!
Posted by Joe D Grinder on 1/16/25 at 3:00 pm to gpburdell
quote:
How much of that 75k is discretionary vs the minimum amount you need to maintain your lifestyle? Lets say the minimum income you need is X.
For the most part that $75k is for daily life and travel and i don't see us always spending that much every year and of course some years more than. Living costs like rent should not eat into it much if at all because of the available rental of our house. If we end up not renting out our unit upstairs to a friend then we'd have to spend lets say $2k a month on rent/utilities.
quote:
I would build a TIPS ladder that each year would provide X income. That guarantees a minimum floor of income regardless of how the stock market is doing.
Thank you, I will definitely look into that and ask the CFP his thoughts too :cheers:
Popular
8
