Search found 172 matches

by MDfan
Mon Nov 11, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 131
Views: 7145

Re: Saving seats on Southwest

This is one of those classic topics that generates a lot of anger on the internet that doesn't translate to real life. I fly SW a fair amount and I can't say that I've ever seen visible seat saving. SW has "family boarding" between the A&B boarding groups. Seems like the logical time for families t...
by MDfan
Fri Nov 01, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 101
Views: 18924

Re: New mattress

I bought a Casper mattress and both wife and I love it. My wife's back doesn't hurt anymore and she has noticed I snore less. You really can't go wrong with them. The price is right and you get to try it for 100 days. If you don't like it they give you a full refund and come pick the mattress up fr...
by MDfan
Mon Oct 28, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1254

Re: Universal Orlando for 4 days

It’s been a number of years, but we did a trip that included Sea World, Universal and the water park across the street from Universal (I don’t remember the name). Seems like we completed Universal in 2 days, did Sea World in a day and did 2 afternoons the water park. Water park was a bit chilly in ...
by MDfan
Thu Oct 24, 2019 8:23 pm
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

Without running the details, I think You should be just fine. You need to deduct $120k a year for the next 4 years from a $2.3 million portfolio and then you will start your pension worth $40k/yr. You will need to withdraw $80k from your portfolio every year thereafter for the next 3 years where yo...
by MDfan
Wed Oct 23, 2019 5:59 am
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

Definitely will look into the TSP to Roth conversions. Still probably will talk to a planner just to make sure we have everything lined up.
by MDfan
Tue Oct 22, 2019 12:03 pm
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

I echo the chorus, you can comfortably retire in two years. Especially since you will continue the contributions to TSP/401k/IRA accounts up until then. The Sword of RMDs is dangling over your head though. Roth conversions are one way to reduce the tax burden, but you'll want to wait on that until ...
by MDfan
Tue Oct 22, 2019 11:58 am
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

I am a fellow fed who just pulled the trigger on retirement, with very similar stats (age, portfolio amount and allocation, etc). My FERS payout is smaller, but we have no mortgage and lower annual expenses. As others have said, you are in solid shape to retire in two (or less) years. Three specifi...
by MDfan
Tue Oct 22, 2019 11:40 am
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

Yes, you will be fine. You will have around $120k in retirement income from pensions and SS. Your investments will easily hold you over until ss (and the pension if you choose to wait until 62) and easily cover the taxes. That is a big bump up in the pension for waiting 2 extra years so I would wai...
by MDfan
Tue Oct 22, 2019 11:39 am
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

Thanks so much for the detailed responses.
by MDfan
Tue Oct 22, 2019 11:14 am
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

Yes, you will be fine. You will have around $120k in retirement income from pensions and SS. Your investments will easily hold you over until ss (and the pension if you choose to wait until 62) and easily cover the taxes. That is a big bump up in the pension for waiting 2 extra years so I would wai...
by MDfan
Tue Oct 22, 2019 9:23 am
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

Thanks for the response. The expense projection is before taxes. A big chunk of that is travel and mortgage ($2500/month). We definitely have a lot in pretax funds, but there's no way around that at this point. As far as the CD ladder, we are going to need to use some of that money in the next 3-5 y...
by MDfan
Tue Oct 22, 2019 9:03 am
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Re: Can we comfortably retire?

Yes, FERS has COLAs. Wife would receive 55% survivor benefit. I will have FEHB healthcare when I retire. That premium is figured into expenses total. At age 70, when mortgage is paid off, I anticipate our expenses being around $100k (I'm sure we'll want to help out kids and grandkids to the extent p...
by MDfan
Tue Oct 22, 2019 7:29 am
Forum: Personal Investments
Topic: Can we comfortably retire?
Replies: 29
Views: 4641

Can we comfortably retire?

We are trying to decide when we can comfortably retire given our assets and expenses. I have tried to be as detailed as possible with our holdings and expenses. Expenses are a little tricky because we still have one kid left in college (sophomore) and we are paying for her school plus most expenses ...
by MDfan
Sat Oct 19, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: When to buy Fed. Long Term Care Ins. (FLTCIP)?
Replies: 13
Views: 976

Re: When to buy Fed. Long Term Care Ins. (FLTCIP)?

I’m not sure about getting LTCI but I am fairly sure if I got it I wouldn’t get if through the fed program. At roughly what age range would you buy it, if you bought it? I am a federal employee and we shopped around and found a Mutual of Omaha policy that we believed was a better deal for us. We we...
by MDfan
Fri Oct 04, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8243

Re: Wedding Finances-Today

But we're not like most couples. We are BHs and have similar financial goals/desires. One of the main reasons we are so compatible. Hopefully couples find this out prior to getting engaged. This isn’t Early Retirement Extreme or Mr. Money Mustache. There are plenty of BHs who spent lavishly on wedd...
by MDfan
Tue Sep 24, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable Accommodation Requests?
Replies: 48
Views: 3297

Re: Reasonable Accommodation Requests?

I wanted to get some thoughts as to seeking work accommodations. You're going to need a diagnosis from a medical professional that spells out the nature of your condition(s) and what you would require to perform your work. Then the employer will decide what accommodations are "reasonable." That's a...
by MDfan
Mon Sep 23, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Quiz: How Well Do You Know Social Security
Replies: 37
Views: 3495

Re: Quiz: How Well Do You Know Social Security

I got 5 out of 9. Hope the grade is curved.
by MDfan
Sat Sep 21, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: How hard is it to get into college?
Replies: 167
Views: 10448

Re: How hard is it to get into college?

None of my kids got straight As in high school. None got higher than 1200 on their SATs. All applied and were accepted to big state schools. Two received scholarship money. All were/are B students in college. The two who are out have good jobs and are doing well.
by MDfan
Tue Sep 17, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Asheville travel advice
Replies: 17
Views: 1416

Re: Asheville travel advice

It's an easy drive from Greenville-Spartanburg if flights are cheaper. Longer from CLT or ATL but doable. There are so many great restaurants that I don't where to start. We are fond of Table. Curate and Rhubarb are very popular. I could easily spend hours at the Malaprops bookstore and their affil...
by MDfan
Mon Sep 09, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5430

Re: Retirees: Ever feel really lazy?

I am 100% sure I will have no problem doing nothing. Play a little golf, watch some TV, go out to dinner, go for a hike. All sound like perfect days to me.
by MDfan
Sat Sep 07, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9663

Re: IPhone 6 - showing some age

I had a 6+ that was about 4 years old and having no problems. Bought a XR for $750 and now enjoy the improved technology including Face ID which is even better than Touch ID. Think it makes sense to upgrade every 4-5 years even if everything is working well. Technology marches on! I also just upgra...
by MDfan
Wed Sep 04, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9513

Re: Federal Employee Burn or Sick Leave [before retirement]

orhkaf wrote:
Wed Sep 04, 2019 7:19 pm
When I’m feeling sick of work I take a day off and use a sick day. Taking care of your mental health is just as important as taking care of your physical health.
Exactly.
by MDfan
Wed Sep 04, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2355

Re: Italy in September

Hi. The only really crucial advice I think I can give is to book a guided tour to the Sistine Chapel, as you can bypass the queue. When you see the lines in the Vatican, your soul will be destroyed. We did a Vatican tour with Walks of Italy that got us into the Vatican at 7:30 am and into the Sisti...
by MDfan
Mon Sep 02, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16145

Re: What is your plan for the last few years of a long life?

People should, to the extent possible, not rush into retirement. Not sure I get your point. Are you suggesting that one err on the side of caution and work a bit longer to improve the odds of having sufficient funds (or more) in one's later years? I have a long-standing resistance to the BH FIRE vi...
by MDfan
Fri Aug 30, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 51271

Re: GEICO auto rates vs. USAA: too good to be true?

When I shopped our auto insurance last Fall, USAA's quote was significantly higher than Geico's. Like more than double for four drivers/four cars. Geico was by far the lowest quote so I went with them.
by MDfan
Fri Aug 30, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 6284

Re: College age male: How much money for food?

$400 a month. If you want an idea of what food costs, look up the neighborhood where he will be residing, find the grocery store online and see if they show what's in the weekly circular. You'll quickly get an idea of what costs. I'll tell you since I do most of the grocery shopping for my househol...
by MDfan
Thu Aug 29, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Pay off house before retirement or have available cash?
Replies: 84
Views: 7005

Re: Pay off house before retirement or have available cash?

Jack FFR1846 wrote:
Wed Aug 28, 2019 6:34 am
RickBoglehead wrote:
Wed Aug 28, 2019 5:59 am

I don't understand those that aim to be debt free in retirement.
I'm debt free. I have not yet retired.

I don't understand how anyone could retire with a mortgage hanging over their head.
I'm doing it. And not thinking twice about it.
by MDfan
Wed Aug 21, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Trip to Costa Rica
Replies: 16
Views: 1694

Re: Trip to Costa Rica

We went for 8 days and did the first 3 at Arenal (very cool but it rained the whole time) and the rest of the time in Manuel Antonio. As someone else said, driving is quite the adventure in Costa Rica. We drove from Arenal to the Pacific Coast and had to navigate all kinds of obstacles. No signs, po...
by MDfan
Mon Aug 19, 2019 1:45 pm
Forum: Personal Investments
Topic: I'm signing up for Vanguard PAS...
Replies: 40
Views: 4712

Re: I'm signing up for Vanguard PAS...

Or call Mark Zoril instead. $96/year. He has answered every question that I have had regarding allocations, distributions, Roth IRAs, etc.

https://planvisionmn.com/
by MDfan
Thu Aug 08, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 3001

Re: Do you pay for kids college if a non-STEM major?

Yes, for 3 kids. And two have graduated and have very good jobs in finance and consulting. And the last one wants to teach.
by MDfan
Mon Aug 05, 2019 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9513

Re: Federal Employee Burn or Sick Leave [before retirement]

Public servants - always the favorite whipping post. What to do when you take sick leave when you are burned out? does that count? and what if you are burned out because you are one of the few they can count on to be highly productive and responsible? Doesn't the work always flow in the direction o...
by MDfan
Mon Aug 05, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9513

Re: Federal Employee Burn or Sick Leave [before retirement]

So nobody here has ever taken a "mental health" day? I know I have and I sleep ok at night.
by MDfan
Mon Jul 29, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Cheap Amazon Mattress Recommendations?
Replies: 20
Views: 1627

Re: Cheap Amazon Mattress Recommendations?

Hi all, I'm a current law student (rising 2L) searching for a cheap (hopefully firm) Amazon mattress that will last me the next two years. I would really appreciate any recommendations, and am hoping to spend under $200. I bought an Amazon mattress once before, but it didn't hold up too well. Of co...
by MDfan
Tue Jul 23, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 10102

Re: Where would you move to?

Las Vegas. Unlimited things to do - concerts, shows, festivals, hiking, water sports, amazing restaurants and bars, gambling, legal weed if that’s your thing. Raiders coming in 2020, probably an NBA team eventually too. Cheap real estate. Mountain and strip views from many neighborhoods. Low cost o...
by MDfan
Wed Jul 03, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 15818

Re: Peloton spin bike worth the high cost?

Have had ours since November 2018 and still love it and use it 4-5 times per week. Still no regrets at all. I no longer have my gym membership and am in better shape than I was when I paid close to the same amount to go to the gym. Plus, no crowds at all in my basement!
by MDfan
Tue Jul 02, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 4189

Re: Need Objective Mattresses Ratings and Reviews

100% full refund (shipping charges refunded too). Indeed, some manufacturers make you pay for return shipping- I did not order from them. And I didn't have to hassle with any returns- each time a charity came to my home and removed the mattress. Do you mind sharing the name of those manufacturers w...
by MDfan
Tue Jul 02, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 4189

Re: Need Objective Mattresses Ratings and Reviews

Reviews are garbage. Test drive the mattress yourself. Many offer no risk trials. Typically 100 days. If you don't like it, you get a 100% refund. You don't even have to return the mattress. The manufacturer will send a charity to your home to have the mattress removed. I ordered and returned 7 of ...
by MDfan
Tue Jul 02, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 4189

Re: Need Objective Mattresses Ratings and Reviews

harrington wrote:
Fri Feb 01, 2019 6:35 pm
Saatva........Best $$$ I ever spent.
We own 2 Saatva mattressses and are happy with both.
by MDfan
Tue Jul 02, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1550
Views: 164077

Re: [What TV Show Have You Recently Watched?]

The first 7 seasons were indeed very good. The 8th (and last) season should be skipped. You must be talking about Game of Thrones.... :P The final season of GOT was infinitely better than the final season of Dexter. I didn't care much for the GOT finale, but I thought the rest of the final season w...
by MDfan
Thu Jun 27, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3382

Re: Any insurance beating USAA?

bagel wrote:
Wed Jun 26, 2019 6:57 pm
Including rates, reliability/response to claims, overall service.
I have Geico and it was significantly cheaper than the quote I got from USAA. When I say "significantly," I'm talking in the thousands of dollars (we have 5 drivers, 2 under age 25).
by MDfan
Thu Jun 27, 2019 6:35 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 9162

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

Unless you're foregoing the match to prevent an immediate bankruptcy, no, it doesn't make sense to do so. Rather than just start another Dave Ramsey flame-fest, are there really any circumstances where one should skip the 50% or 100% match on their 401K contribution to get their debt paid down a bi...
by MDfan
Sun Jun 23, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8311

Re: How do you approach tipping at carry-out restaurants

Deleted reported post quoted here -mighty72 I know you’re joking, but based on the responses above, you have a point. I like to tip because most people working in the restaurant industry that receive tips are not earning a livable wage, and so they depend on tips. They are not getting rich of your ...
by MDfan
Fri Jun 21, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 17522

Re: what was your worst major purchase mine is a 2019 mazda3

markcoop wrote:
Fri Jun 21, 2019 11:34 am
Oddly enough, I think my 2018 Mazda 3 was one of the better car purchases I ever made.
Bought a Mazda 3 for each of my kids a few years ago and they have been great cars.
by MDfan
Fri Jun 21, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1550
Views: 164077

Re: [What TV Show Have You Recently Watched?]

The first 7 seasons were indeed very good. The 8th (and last) season should be skipped. You must be talking about Game of Thrones.... :P The final season of GOT was infinitely better than the final season of Dexter. I didn't care much for the GOT finale, but I thought the rest of the final season w...
by MDfan
Fri Jun 21, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1550
Views: 164077

Re: [What TV Show Have You Recently Watched?]

bobcat2 wrote:
Thu Jun 13, 2019 5:05 pm
Mesmerizing, frightening, intense, heroic, frustrating, cerebral, grim - Chernobyl

BobK

Chernobyl was really good.
by MDfan
Tue Jun 18, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Mazda extended warranty
Replies: 20
Views: 1535

Re: Mazda extended warranty

There is also a convenience factor since while it is under the extended warranty you can just drop it the car at a dealership to let them fix a problem. This can be very useful when you are out of town. How is this a convenience? The dealership will fix any problem you might have, regardless of whe...
by MDfan
Mon Jun 17, 2019 7:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4788
Views: 1244186

Re: What Movie Have You Recently Watched?

Just saw Rocketman (Elton John biopic) at the neighborhood multiplex. If you haven't been to a movie in a few years, you should go. The digital projectors are incredibly sharp, film making has improved unbelievably, the sound is great, where we went they have lounge chairs that are far apart from o...
by MDfan
Mon Jun 17, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4788
Views: 1244186

Re: What Movie Have You Recently Watched?

Rocketman . This is a musical and biography of Elton John. It is 90% depressing. I was not a fan at the time. I would have liked more focus on his life after drugs and alcohol, but overall a hesitant thumbs up :thumbsup Different than what I expected, but I really liked Rocketman. For those who lik...
by MDfan
Sun Jun 16, 2019 6:24 am
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10653

Re: Walking Cities, potential for retirees

We just spent 3 days in Greenville, SC. Some nice downtown condos with everything within walking distance, including bars and restaurants, a Fenway Park replica minor league baseball stadium, and a 15,000 seat arena that houses a minor league hockey team and numerous big time concerts. Probably my ...
by MDfan
Sun Jun 16, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9663

Re: IPhone 6 - showing some age

I had a 6+ that was about 4 years old and having no problems. Bought a XR for $750 and now enjoy the improved technology including Face ID which is even better than Touch ID. Think it makes sense to upgrade every 4-5 years even if everything is working well. Technology marches on! Just got a great ...