Search found 46 matches

by TresBelle65
Thu Jan 12, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 18272

Re: Best Financial Moves You've Made

Develop, keep and evolve mad skills :)
by TresBelle65
Thu Jan 12, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: Early Retirement in Mexico, Healthcare
Replies: 26
Views: 4786

Early Retirement in Mexico, Healthcare

I've been holding out for early retirement. I have enough assets to retire, but waiting to be eligible to leave with my healthcare plan has seemed like a good idea. I don't know if I will get there (2 more years) - the stress of work is starting to get to me and maybe the more money one has, the mor...
by TresBelle65
Tue Dec 27, 2016 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Appreciate any suggestions - tweaks to be made
Replies: 2
Views: 504

Re: Portfolio Review, Appreciate any suggestions - tweaks to be made

To really answer this, I'd have to know how much you would expect for living and spending expenses in retirement, also if you are anticipating major expenditures. Hi Larry, thanks for your comments. I expect my expenses in retirement to be $50K/year - more if I retire before reaching the years of s...
by TresBelle65
Sun Dec 25, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Appreciate any suggestions - tweaks to be made
Replies: 2
Views: 504

Portfolio Review, Appreciate any suggestions - tweaks to be made

Seeking any comments or suggestions on my portfolio which I've attempted to mirror using the guidance I've received by reading the Boglehead investment & personal finance books and articles. My specific questions are at the bottom of this post. Emergency funds: Yes Debt: none Tax Filing Status: ...
by TresBelle65
Thu Sep 01, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy/Professional Liability
Replies: 7
Views: 818

Umbrella Policy/Professional Liability

I occasionally do some consulting work on the side. In the rare situation where I might be held liable for an error, etc. - would any personal damages be covered by my personal umbrella policy?

thanks
by TresBelle65
Sun Aug 28, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 5438

Re: Eating Healthy/Meals for One

Thank you for some creative ideas. I will likely increase the take out and use those for leftovers. My apartment freezer is tiny and I won't be here long enough to invest in an additional freezer. None of the stores here will sell or package small portions of meat - I have tried. They are all family...
by TresBelle65
Sun Aug 28, 2016 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 2711

Re: B&M banking - heading the way of record stores, what to do

A good rate is something north of 5%.
presumably, this would be a financial product with more risk than a bank account
by TresBelle65
Sun Aug 28, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: B&M banking - heading the way of record stores, what to do
Replies: 43
Views: 2711

B&M banking - heading the way of record stores, what to do

I received notice from Cap One that they're closing branches in my area and converting others into small satellite type operations. I already bank online mostly, was just usingthe Cap One branch near me to deposit checks and to get cash from time to time. I suppose I could deposit the checks using m...
by TresBelle65
Sun Aug 28, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 5438

Eating Healthy/Meals for One

I'm now living alone and only eat with others whenever I go out, or invite friends & family over - so basically, I'm now eating alone about 80% of the time. Obviously, I need to get better at this...I seem to be tossing out/wasting a lot of food. I find it nearly impossible to make a recipe that...
by TresBelle65
Fri Aug 26, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Are Bogleheads Buying I-Bonds 2016?
Replies: 87
Views: 17494

Re: Are Bogleheads Buying I-Bonds 2016?

This thread is 8 months old....did the folks who planned to buy I-Bonds in 2016, do so?

Looking to see where they might fit now in my overall plans. Thanks
by TresBelle65
Fri Aug 26, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Sites/Blogs for Perpetual Travelling Vs. Travel from Home Base
Replies: 6
Views: 685

Sites/Blogs for Perpetual Travelling Vs. Travel from Home Base

I will retire early from my career in the next couple years and looking to travel, study & teach abroad, occasional part time work remotely, etc. I currently rent. I can probably afford my future lifestyle through low cost housing, hotel points and possibly housesitting or a combination of these...
by TresBelle65
Fri Aug 26, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Bond Fund/CDs or Online Savings Bank for temp $?
Replies: 1
Views: 256

Bond Fund/CDs or Online Savings Bank for temp $?

Good morning,

I've recently come into some cash that I'll need in 3-5 years to purchase a home.

I think my best options are a bond fund, online savings account or a CD?

Any suggestions, tips or recommendations are appreciated. Thank you....
by TresBelle65
Thu Aug 06, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: [lifehacker article] How to buy Happiness
Replies: 8
Views: 2812

Re: How to buy Happiness

I can't buy happiness, but I can buy a boat and park it right next to happiness.
by TresBelle65
Thu Aug 06, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 5328

iPad - usefulness?

I own a smartphone, Kindle reader and laptop I recently bought an iPad to add to my arsenal - mostly because I like Apple products and I was curious to see if it might be a better fit for reading or mobile computing. Recently, I found that my smartphone works much better for mobile banking and my Ki...
by TresBelle65
Thu Aug 06, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Healthcare Vs. ACA healthcare
Replies: 14
Views: 1818

Retiree Healthcare Vs. ACA healthcare

Looking for comments and experiences of other early or regular retirees. When you were planning your retirement date and made the decision to stay with your employer until eligible for retiree healthcare benefits versus leaving earlier and acquiring similar healthcare coverage via the ACA, what fact...
by TresBelle65
Sat Aug 01, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: My Mother's I-Bonds
Replies: 12
Views: 2014

Re: My Mother's I-Bonds

Don't be short-sighted. The CPI-U is up 1.07% just over the last three months. If it continues at that rate for the next three months the next six month period 0% bonds could have a composite interest rate of about 4%. Seems as if waiting a bit could be a good move. Could even be wise to sell and s...
by TresBelle65
Fri Jul 17, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: My Mother's I-Bonds
Replies: 12
Views: 2014

Re: My Mother's I-Bonds

Thank you all for the education in I-Bonds. I can see now the case for hanging onto the older ones.

I guess now it's just a matter of the ones purchased since 2011.

Thanks
by TresBelle65
Tue Jul 14, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: My Mother's I-Bonds
Replies: 12
Views: 2014

My Mother's I-Bonds

Over the years, I've given my mom advice based on whatever I've learned from the Boglehead books and the Wiki. She recently asked me to do a check up on her accounts to see if everything is tracking. She is retired. She holds many different lots of I-Bonds going back several years, but I noticed she...
by TresBelle65
Fri Jul 10, 2015 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Question - Early Retirement
Replies: 38
Views: 5798

Re: Pension Question - Early Retirement

Thank you all for the comments and analysis. I confess to not being mathematically inclined, but it would appear from reading the last posts, that year over year, there is no significant advantage to waiting since it appears to escalate annually at an even rate and presumably since I still have suff...
by TresBelle65
Thu Jul 02, 2015 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Pension Question - Early Retirement
Replies: 38
Views: 5798

Re: Pension Question - Early Retirement

No, that is not a possibility for me and even if it were, I am still several years younger than 62. Back to the orginal calculations - with a return % of somewhere between 8 and 9, it just seems a compelling reason to delay taking it as long as possible as it's highly unlikely I could reach those nu...
by TresBelle65
Fri Jun 26, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Question - Early Retirement
Replies: 38
Views: 5798

Re: Pension Question - Early Retirement

yes, I am female.

I went back to the online calculator which includes all my personal employee data.

The numbers are:

$ 596 /age 55
$ 902 /age 60
$ 1,565 /age 65

again, these are hard numbers, not COLA adjusted.
by TresBelle65
Fri Jun 26, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Pension Question - Early Retirement
Replies: 38
Views: 5798

Re: Pension Question - Early Retirement

For the 10 years between age 55 and 65, it rises from $596 to $1565

I neglected to mention that I am now in the 28% tax bracket - after I retire, I fully expect that bracket to drop significantly.

Expected retirement is 3 years give or take.
by TresBelle65
Fri Jun 26, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Condo - HOA Rules for Leasing
Replies: 27
Views: 3111

Re: Condo - HOA Rules for Leasing

Just say you are a couple and skip the part about any money changing hands.
by TresBelle65
Fri Jun 26, 2015 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Pension Question - Early Retirement
Replies: 38
Views: 5798

Re: Pension Question - Early Retirement

For this pension, early retirement is defined as age 55. Full retirement is defined as age 65. There is an online calculator that allows one to enter the age at which they wish to begin receive payments. The calculator then calculates the monthly payment. The smallest amount is at age 55 and it esca...
by TresBelle65
Fri Jun 26, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Pension Question - Early Retirement
Replies: 38
Views: 5798

Pension Question - Early Retirement

In a few weeks, I will turn 55 and therefore be eligible to begin receiving early pension payments from a previous employer. I am still employed full time and plan to retire in a few years. I haven't done anything about contacting the prior employer about beginning payments because I have not planne...
by TresBelle65
Sun May 31, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions?
Replies: 19
Views: 2454

Re: Roth Conversions?

Is this the same thing as a Back Door Roth? Why would someone contribute to a Traditional IRA unless their income exceeded the limits for a Roth? or is it for the purpose of these "conversions"?

Thanks
by TresBelle65
Sun May 31, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions?
Replies: 19
Views: 2454

Roth Conversions?

Posters here often refer to Roth conversions, but I'm not clear on the concept and I've been seeking out the details. Today, I read the following in a recent issue of Money magazine (in reference to retirement financial planning): "If most of your money is in a tax-deferred account, consider pa...
by TresBelle65
Thu May 28, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 6457

Re: Early/Earlier/Earliest Retirement?

Thanks btenny for the background information, it was enlightening A lot of big changes for you.

Thanks Luke for the clarification.
by TresBelle65
Thu May 28, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 6457

Re: Early/Earlier/Earliest Retirement?

Sounds like you know what you want to do and are looking for confirmation/acceptance/agreement. Here's what I do know - I want to retire before the age of 65, but several years sooner, if possible. How soon is what I am trying to determine. After spending my whole life working and saving, this is a...
by TresBelle65
Wed May 27, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 6457

Re: Early/Earlier/Earliest Retirement?

Independent,

Do you mind explaining this one in more detail?


The house is your long term care plan.


Thanks!
by TresBelle65
Wed May 27, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate - buying ahead & renting
Replies: 7
Views: 1467

Real Estate - buying ahead & renting

I have a tentative plan to retire in the near future and then travel for a few years. Once the "few years" - 3 to 5? are over, I have an idea of where I want to live in the summers and winters (northern and southern US). I know we cannot predict the real estate market any more effectively ...
by TresBelle65
Wed May 27, 2015 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 6457

Re: Early/Earlier/Earliest Retirement?

We rearranged our lifestyle to be low cost. I focused on how to invest and manage our money. btenny, can I ask you for some details regarding your statement? Personal finance and investing has been a lifelong interest of mine....however my returns improved after I adopted Boglehead strategies - i.e...
by TresBelle65
Wed May 27, 2015 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 6457

Re: Early/Earlier/Earliest Retirement?

Wow, lots of helpful feedback here, much appreciated. Livesoft was right, it was a first attempt to put all the salient facts together to begin a plan and to solicit input - again, because I know I am not looking at this objectively. A lifelong frugality habit can instill skewed thought patterns. Ag...
by TresBelle65
Tue May 26, 2015 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 6457

Re: Early/Earlier/Earliest Retirement?

Thanks for the comments and condolences for my friend. As far as... 1.2 million would be plenty to pay for 17 years at 50k/yr even without the pensions kicking in at 62. [/i] I would need to eventually purchase a home using some of these funds. Living the dream would mean that my portfolio had grown...
by TresBelle65
Tue May 26, 2015 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Dispute a credit card payment or not
Replies: 23
Views: 2991

Re: Dispute a credit card payment or not

I frequently dispute charges and not just for charges of an incorrect amount or ones I don't recognize. If there is an issue and a merchant has poor customer service - does not answer emails or maintain a reasonable telephone option (voicemails go unanswered, recordings that go nowhere), I dispute t...
by TresBelle65
Tue May 26, 2015 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Early/Earlier/Earliest Retirement?
Replies: 30
Views: 6457

Early/Earlier/Earliest Retirement?

Some days all it takes is news of yet another in my circle of people in their 50s passing away, to bring me back to the cocktail napkin and pen. I've spent so much of my life in accumulation mode that thinking about spending and living off those assets is a fuzzy notion. Here's my situation - 53, fe...
by TresBelle65
Thu Apr 23, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2475
Views: 769985

Re: What Book Are You Currently Reading? Part VI

a,

I am glad you are enjoying Limbo.

I almost feel as if Lubrano is my twin, separated at birth lol.

Belle
by TresBelle65
Thu Apr 23, 2015 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Should I simplify or pursue a financial advisor?
Replies: 13
Views: 2255

Re: Should I simplify or pursue a financial advisor?

Looks like you might be able to retire now if your expenses are low enough. Are you interested? Do you need more years before getting your full pension? I am interested in retiring early. I need to see what an ACA healthcare policy would cost me. One of my pensions is frozen, so working longer will...
by TresBelle65
Thu Apr 23, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Should I simplify or pursue a financial advisor?
Replies: 13
Views: 2255

Re: Should I simplify or pursue a financial advisor?

Whether to do Roth conversions between retirement and age 70.5. Unless your pensions are huge, you will probably fall into the 25% bracket in retirement. If you still have a large TSP account when you hit RMDs, you might get pushed into the 28% bracket. Converting TSP to Roth ahead of RMDs might pr...
by TresBelle65
Tue Apr 21, 2015 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Have a saved enough to retire?
Replies: 18
Views: 2492

Re: Have a saved enough to retire?

Seems like maybe one piece missing here is unemployment insurance income? If your employer shut down, then I think you would be entitled to that for some time, so that should fit in somewhere in these calculations?

TB
by TresBelle65
Tue Apr 21, 2015 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limits
Replies: 3
Views: 591

HSA contribution limits

So, I believe the last time I checked, the annual limit on contributions is $3,500 (or close to it) In exchange for choosing a high deductible healthcare plan, my employer would send a monthly contribution amount to the HSA on my behalf. Do I need to lower my own contribution so that together with m...
by TresBelle65
Sun Apr 19, 2015 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Should I simplify or pursue a financial advisor?
Replies: 13
Views: 2255

Should I simplify or pursue a financial advisor?

Hello, I am trying to determine whether I'm in a position to "set it and forget it" - or whether I might again additional guidance from seeking out a financial advisor, possibly to help me develop a withdrawal plan as I hope to retire within a few years. In addition to the assets listed, I...
by TresBelle65
Tue Apr 14, 2015 6:37 am
Forum: Investing - Theory, News & General
Topic: WSJ: You may need less than 80% in retirement
Replies: 98
Views: 11898

Re: Finally some good news on retirement

How many retired heterosexual couples have the BMI that the two in the photo have? 1%, maybe. How many males over the age of 65 wear decorative scarves? 1%, maybe. How can I accept any of the words when the photo is so unrealistic? Yes, lol, seems they chose to use a photo of a European couple to d...
by TresBelle65
Mon Apr 13, 2015 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 16841

Re: Household Gross Income Poll

Reading this thread, I'm reminded of a book I read several years ago, "Limbo" by Alfred Lubrano (easily found on Amazon). It's rare for me to find a book that resonates so strongly with me. It deals with the cultural and class issues of those born and raised in the blue collar world who en...
by TresBelle65
Sun Apr 12, 2015 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Appreciate Portfolio Guidance
Replies: 6
Views: 804

Re: Appreciate Portfolio Guidance

Thank you....yes, I guess the bottom line is the big question of whether it's worth it to put my retirement on hold to wait for federal retiree employee health care, now that ACA is available. So far, I haven't been too successful with determining what the amount is that the employer would contribut...
by TresBelle65
Sun Apr 12, 2015 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Appreciate Portfolio Guidance
Replies: 6
Views: 804

Appreciate Portfolio Guidance

Thanking you in advance....seeking a path to early retirement. I would like to retire in 4 years when I'll be eligible for employee health care in retirement, but with the ACA, trying to ascertain whether I can leave the workforce any earlier. I think I'm on a decent path, just wondering whether any...

Go to advanced search