Search found 17 matches

by Joeko
Sat Sep 23, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 10490

Re: Age you retired

54...Not retired yet. Plan on going part-time next year, the. Full retirement at 59.5
by Joeko
Sun Sep 10, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 57
Views: 8875

Re: Buy iPhone 7 or Wait for iPhone 8

Rumor has it the iPhone 8 will cost over 1K. When my IPhone 5 finally gives out, I will switch from an iPhone to a much cheaper phone.
by Joeko
Mon Sep 04, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2857

Re: How long do cars last these days (electronics)

I have a 2000 Toyota 4 Runner w/ 150k miles. No issues with having a used car. I plan on getting another 100K miles out of it
by Joeko
Wed Aug 30, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3131
Views: 957214

Re: What Book Are You Currently Reading? Part VI

Your money or your life
by Joeko
Wed Aug 30, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 9026

Re: How much sooner could you retire with NO property taxes?

Good question. Also live in Texas, I pay 9k in Property taxes and 13K in so called health insurance. May end up selling and renting to expedite retirement or semi retirement.
by Joeko
Sun Aug 20, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 13849

Re: Anyone planning on never retiring?

54 y/o, been in IT for the last 22 years. I want to retire from IT as soon as possible and then maybe work another 10-11 years in a less stressful position. I envy folks that have a career that they are passionate about, I'm not in that camp. Years of working 60-65 hours and getting paid for 40 is a...
by Joeko
Thu Jul 27, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 128
Views: 31727

Re: What you wish you had known entering your late 20's

I wish knew I how good sobriety and frugal simple living was in my 20s...Better late than never.
by Joeko
Wed Jul 12, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to Portland, OR
Replies: 26
Views: 2982

Re: Possible Relocation to Portland, OR

Beautiful city. Lots to do; Sking, Hiking, Water Sport, great beer & food.

I would definitely rent at first, maybe in one of the Suburbs. Public transportation is excellent.
by Joeko
Sun Jul 09, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Saving or being stingy?
Replies: 21
Views: 3038

Re: Saving or being stingy?

Let her be unless she comes to you asking for help or advice. There are many different ways to live your life, sounds like she knows what makes herself happy.
by Joeko
Sat Jul 08, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Vanguard or Schwab? I need to choose.
Replies: 62
Views: 16505

Re: Fidelity, Vanguard or Schwab? I need to choose.

I have taxable funds with Vanguard and Solo 401K with Fidelity. No issues with either firm, I don't think you can go wrong with either 3 of these firms. I wouldn't sweat it
by Joeko
Sun Jul 02, 2017 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 17340

Re: Roll call Warren Buffet 90/10 portfolio

I was 90/10 in my 40s...Now in my 50s..My mix is 50-Total US Stock, 30--Total US Bonds, 20-Intl Stock.
by Joeko
Sun Jul 02, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 7469

Re: What are your health insurance stats?

Our OOP is the same as deductible as long as it is in Network. There is no maximum OOP if we go out of Network.

We pay all non preventive cost up to Deductible then the Insurer takes over. I haven't been to the Doctor in 2 years, partly because of cost and mainly because I am in good health.
by Joeko
Sat Jul 01, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 7469

Re: What are your health insurance stats?

Premium: 1,100 / Mth
Family: 54, 50, 21
Deductible: 10k /15K Family
Coverage: Not Much
ACA Bronze Plan - no subsidy
Texas
by Joeko
Wed Jun 28, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 10860

Re: Middle age job blues

2M is awesome, congrats. I have half of that and I am a few years older. Have one more semester of paying for the youngescollege, then considering early/semi retirement. IT will do that to you....of course healthcare may put a wrench into those plans. I don't know if this would work for you but it w...
by Joeko
Sat Jun 10, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Changing State Residences for ACA Coverage
Replies: 15
Views: 2056

Re: Changing State Residences for ACA Coverage

I live in Texas and pay 13K/yr for Health Insurance we barely use. I have considered moving to a lower cost ACA state but I'm waiting or the dust to settle in congress.

I'd like to retire in 5 years (59.5) but may wait till 65 because of Health Insurance cost.