Search found 72 matches

by TresBelle65
Sun Feb 25, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Audio Recording
Replies: 2
Views: 65

Re: Audio Recording

She has tried her smartphone. It does not appear to be sound activated...so she ends up having to try to bypass recorded "dead space"

Thanks
by TresBelle65
Sun Feb 25, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 25
Views: 1182

Re: Federal Employees, leading up to retirement?

A lot of valuable references and information here, thank you so much. $30K annual limit on dental expenses? I feel pain just thinking about that much dental work in one year. Speaking of that, I am now in a HCOL area and am considering having the same work done by competent dental professionals outs...
by TresBelle65
Sun Feb 25, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Audio Recording
Replies: 2
Views: 65

Audio Recording

My daughter has learning issues which make large class lectures a challenge for her. She noticed other students in the room using small recording devices and she verified, audio recording is legal in this location. The problem is the other students report that the devices fail often/are not reliable...
by TresBelle65
Sat Feb 24, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 66
Views: 5475

Re: Do you rent even if you can afford to buy?

I rent hotel suites by the month, sometimes even only for a week or night depending on where I am- lol. My personal items are mostly in storage. I chose this for several reasons, I am retiring soon and don't know where I will move next when I stop working, I got tired of apartment living, moving aro...
by TresBelle65
Sat Feb 24, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 25
Views: 1182

Re: Federal Employees, leading up to retirement?

MRA + 10 works out well for me since I am already eligible for a pension from a previous employer, have 30X saved, Soc Sec coming down the line of course and the MRA+10 gives me health insurance I can carry 7 years until eligible for Medicare. In this scenario, working another 4 years until 62 just ...
by TresBelle65
Sat Feb 24, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 25
Views: 1182

Re: Federal Employees, leading up to retirement?

I've never heard of this ability to request a "retirement estimate". Wondering who I should ask at my agency? Payroll? hmmmm

I need to keep it quiet, they would be shocked to know I do not plan to stay any longer.
by TresBelle65
Sat Feb 24, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 25
Views: 1182

Federal Employees, leading up to retirement?

I'm a fed planning to retire next year, with MRA + 10. What actions did you take in your final year or months leading up to retirement? for example - accelerate any dental or medical treatments? accelerate leave for any reason? how far in advance did you file your paperwork and let your management k...
by TresBelle65
Sat Feb 24, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 96
Views: 8446

Re: What's your cash position

I'm at 50% as well. Retiring soon, why keep playing? sitting at 30x not counting pensions or SS.

Actually, when I first saw the question, it reminded me of early stage dating, lol.
by TresBelle65
Sat Oct 28, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Shoes & Sandals & Athletic & Hiking Wear
Replies: 11
Views: 1228

Shoes & Sandals & Athletic & Hiking Wear

Looking for recommended brands of shoes, sandals, running & hiking shoes. Currently wearing Saucony & Keens for athletic wear - they seem to hold up well, so perhaps the issue I am having most is with well made shoes & sandals that are longer lasting, fit well and are made of quality materials. Chea...
by TresBelle65
Sat Oct 28, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Obtaining a mortgage in retirement
Replies: 6
Views: 899

Re: Obtaining a mortgage in retirement

Thank you, the second link was very helpful, the NY Times requires a subscription, but it's probably worth it. The real life experiences are also good data points.

I'll now be looking at how the rates & terms compare.

Thanks again.
by TresBelle65
Tue Oct 24, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining a mortgage in retirement
Replies: 6
Views: 899

Obtaining a mortgage in retirement

Whenever this topic comes up, the comments are all over the place. Some people claim there aren't any issues while others claim it's nearly impossible and one might as well just pony up the cash. Is there a place where I can get some practical advice on this topic? i.e.- realistically, what issues s...
by TresBelle65
Mon Oct 23, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 17223

Re: Why not just annuitize and be done with it?

Reviving an old thread....looking to hear about any experiences of those who've employed the Die Broke strategy?
by TresBelle65
Mon Oct 23, 2017 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4662

Re: Looming Retirement & Market Jitters

My understanding is the same as yours. I couldn't tell from your original post if you had 10 years of total service but not 10 years under FEHB and thought you couldn't retire until you had 10 years under FEHB. When I leave, I'll have 10 years of service and 10 years participation in the FEHB progr...
by TresBelle65
Sun Oct 22, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4662

Re: Looming Retirement & Market Jitters

Actually, I asked because while you need the 10 years to retire with an immediate annuity, you only need 5 years of continuous FEHB coverage to keep insurance in retirement. So technically, you need the 10 years not for insurance but for the pension eligibility. But...you can't leave the job and ta...
by TresBelle65
Sun Oct 22, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 9
Views: 760

Re: Most economical way to ship clothing?

Thank you - 3 states away, 11 hour drive :)
by TresBelle65
Sun Oct 22, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Most economical way to ship clothing?
Replies: 9
Views: 760

Most economical way to ship clothing?

I have a large pile of clothing that my daughter has asked me to ship to her.

Any idea which mail service/which shipping class might be the most economical? Speed of delivery is a secondary factor.

Thank you.
by TresBelle65
Sun Oct 22, 2017 4:58 am
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5223

Re: What service do you pay for that you could easily do yourself?

I could easily do most of it, but I choose not to....eat meals others have prepared for me, have my oil changed by someone else, hair cuts, and house cleaning....can't massage myself hahaha...so I go to a spa
by TresBelle65
Sat Oct 21, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Worry market crush, selling 50%, but increase buying 100%
Replies: 69
Views: 7138

Re: Worry market crush, selling 50%, but increase buying 100%

Apparently one man's market timing is another man's risk management. Sounds like you are realizing you don't need to be taking the same level of risk you have in the past due to the growth of your portfolio.
+1 :) but apparently there'll always be those who call it a timing move, regardless.
by TresBelle65
Sat Oct 21, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4662

Re: Looming Retirement & Market Jitters


Are you retiring under MRA+10?
. yes, so I did factor in the reduced pension...it's factored into the $22K number.
by TresBelle65
Sat Oct 21, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4662

Re: Looming Retirement & Market Jitters

What this does is try to secure your retirement funding first and then figure out your overall allocation. Kind of a bottom up vs top down process. So, you have a "safe" portfolio (20+years of withdrawals) and a "risk" portfolio ( some equities, intermediate bonds, etc.). I would further suggest wh...
by TresBelle65
Sat Oct 21, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4662

Re: Looming Retirement & Market Jitters

Thanks RetiredNow, for your comments. Fortunately, my expenses are low, so not too worried about being depending on the start of the pension. As far as the sick leave, I did a calculation based on if I do not use any between now and then. Using the formula. It would add $8.43 to my monthly pension c...
by TresBelle65
Fri Oct 20, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4662

Re: Looming Retirement & Market Jitters

You can pick any asset allocation between 25/75 and 75/25 and you'd also be fine. Especially with government-provided healthcare. The only real question is what you want to be investing for - enjoying your retirement with vacations and the like, leaving something behind for your children, making ch...
by TresBelle65
Fri Oct 20, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4662

Re: Looming Retirement & Market Jitters

Thank you for all the replies and feedback. When it comes to this topic, in my opinion, it all bears repeating. One part of my gut knows the right answer, the other part of my gut is on the edge - and I appreciate the words of the poster who does point out that the years surrounding retirement - up ...
by TresBelle65
Fri Oct 20, 2017 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Income Taxes & the Gig Economy
Replies: 7
Views: 760

Income Taxes & the Gig Economy

I have a twenty-something niece I try to help, since she gets little help from her parents. She is juggling college classes while also working in what they call the gig economy :) Since January, she has performed small tasks for many, many different companies as an IC....we're talking $15 here, $20 ...
by TresBelle65
Fri Oct 20, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 5666

Re: Best way to make some dollars on a 10 day vacation?

Call an air courier service and offer your services. For the most important packages (same day, escorted) you get a paid RT flight and get paid for your time. You'll sort of play travel roulette and get to see a random destination. Have any of you actually known someone who has done this? I hear ab...
by TresBelle65
Fri Oct 20, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 48
Views: 4662

Looming Retirement & Market Jitters

I am planning to retire from a second career (federal employee, 10 years of service) in 18 months, give or take a month or so. Would like to retire today, but holding out for eligibility for lifetime healthcare coverage in retirement (requires a minimum of 10 years of service). I'm 56, divorced and ...
by TresBelle65
Thu Jan 12, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 158
Views: 22448

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: 5195

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: 532

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: 532

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: Sing...
by TresBelle65
Thu Sep 01, 2016 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy/Professional Liability
Replies: 7
Views: 918

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: 6244

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: 2895

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: 2895

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: 6244

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 ser...
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: 18903

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: 761

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. My...
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: 266

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: 2862

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: 5697

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: 1893

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: 2148

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: 2148

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: 2148

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: 6000

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: 6000

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: 6000

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: 6000

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: 3525

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: 6000

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...