Search found 69 matches

by Mickey7
Sat Oct 20, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 57
Views: 4985

Re: Cross-country trip via Amtrak

I have taken the Empire Builder from Portland to Minneapolis and really recommend the trip. Make sure that you are ticketed for the right side of the train as doing so will put you in great position to see the grandeur of the Columbia River gorge. During the first evening your train will connect wit...
by Mickey7
Sat Oct 13, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2646

Re: Making Winter Camping more comfortable

It appears as if you are already familiar with REI. Get on their website or go to one of their stores and talk to their reps. Nearly all of these people have good experience you can utilize. You have a good pad, but what is the rating for your bag? You might have to assume that you are cold natured ...
by Mickey7
Wed Oct 10, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7439
Views: 1557133

Re: U.S. stocks in freefall

If you don't sell anything, you haven't lost anything.
by Mickey7
Sun Sep 16, 2018 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1915

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

You have a lot of stressors right now and you should do what feels comfortable to you and don't worry about what this group thinks since they will only tell you to decide on an asset allocation that is appropriate for you and invest in it now, not later. You are correct that the market can go down ...
by Mickey7
Sat Sep 15, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2489

Re: Rain Jacket recommendations and care

As noted try the Nikiwax to see if that enhances thr rain protection.
If you have ever gotten a jacket with pit zips you'll never get one without it.
by Mickey7
Sat Sep 15, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 62
Views: 4079

Re: The Boglehead is anti-entrepreneur?

Another way to think about this is that all Bogleheads are entrepreneurs. Our business is in developing a successful portfolio for retirement. We assume a level of risk that is appropriate to our need.
by Mickey7
Sat Sep 15, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 8509

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

When it comes down to it, determining what you value most should be the final straw for your individual choice. My personal "go to" choice is Allen Edmonds. Look for store sales or Ebay, but first go to the store and get properly measured. If you go high end get the shoe trees and proper shoe access...
by Mickey7
Fri Sep 14, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Service Date for Vesting - Teacher
Replies: 12
Views: 889

Re: Service Date for Vesting - Teacher

I would hold off talking to her district's HR department until after she has spoken to the Virginia retirement system for teachers or if she belongs to a state professional association for teachers; call them.
by Mickey7
Tue Sep 11, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Working until the end of January for Roth contribution
Replies: 20
Views: 1730

Re: Working until the end of January for Roth contribution

Thank you for your question. Yes I could target the end of March and follow your scenario as I could claim Social Security in January when I turn 67 and have an income of approximately of approximately $1300 per month. However while increasing my 403b, it would not increase my pension. If I were to ...
by Mickey7
Mon Sep 10, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Working until the end of January for Roth contribution
Replies: 20
Views: 1730

Re: Working until the end of January for Roth contribution

Yes I know. Just trying to turn over all of the rocks.
by Mickey7
Mon Sep 10, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Working until the end of January for Roth contribution
Replies: 20
Views: 1730

Re: Working until the end of January for Roth contribution

Unfortunately no. Under state law I could buy an extra year with 50 days, which I easily have, the amount owed would require over 18 years to break even. That would not be a favorable payback. With regards to Spirit Rider's recommendation, that would be a part of a Plan B strategy in which I would w...
by Mickey7
Mon Sep 10, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Working until the end of January for Roth contribution
Replies: 20
Views: 1730

Re: Working until the end of January for Roth contribution

So that would mean $4450 for my last Roth if January is my choice.
by Mickey7
Mon Sep 10, 2018 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Working until the end of January for Roth contribution
Replies: 20
Views: 1730

Working until the end of January for Roth contribution

I am starting to kick the wheels on the retirement spaceship and several lights are starting to blink on the screen. One of the lights concerns the possibility of only working through the month of January 2019 to be eligible to make a Roth contribution. My monthly gross is around $8200 and the net i...
by Mickey7
Sun Sep 09, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7343

Re: Anyone else playing catch-up in their 40's?

Awareness is the first step and you are already there. Keep doing the great job with your savings. Have an asset allocation that is appropriate for you. Don't be overly aggressive because you have the FOMO. Also keep an EF so you not have to tap your portfolio. I say all of this because I started la...
by Mickey7
Tue Sep 04, 2018 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Guidance needed
Replies: 7
Views: 910

Re: Portfolio Review - Guidance needed

Many here are 3 fund and 3 fund forever, others slice and dice. Starting out, 3 fund is best. (You may never want to change.)

You might want to read John Bogle or Google up one of his You Tube videos as a starter.


Stay the course!
by Mickey7
Mon Sep 03, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Guidance needed
Replies: 7
Views: 910

Re: Portfolio Review - Guidance needed

Congratulations William4478, you are doing a wonderful job! You are definitely on the right track.

Do not be too hasty in immediately moving your savings. Keep an amount of that money in a savings or money market for a good night's sleep.
by Mickey7
Mon Aug 27, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6744

Re: How do you calculate net worth with pensions?

Can a pension be taken as a lump sum? Then consider it as an asset. Can a pension be sold? Then consider it as an asset when sold. As noted by others there might be a few other times when a pension be considered as an asset, however IMHO when it is distributed every year it should be considered as a...
by Mickey7
Wed Aug 22, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 12038

Re: Is a million really the benchmark for retirement

Calico, you'll be fine.

Unlike many people in the workforce you have been saving and now making plans.


Stay the course!
by Mickey7
Sun Aug 19, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Buy back service time on pension
Replies: 42
Views: 3448

Re: Buy back service time on pension

Rogue1 Another consideration for you to keep in mind is the possibility that the buy back rules might change. About a decade ago the rule for buy backs for service time were radically altered. I was able to sneak in and got my year for under $500, a no brainer. Now on the eve of retirement I looked ...
by Mickey7
Sat Aug 18, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13737

Re: Teachers Who Have Net Worth of $1 million +

I do not believe that you could, or should, value your potential pension payment over a period of 20 or 30 years and use it to claim a net worth for that figure. A pension is an income stream for your retirement. This has been addressed in many of our threads.
by Mickey7
Wed Aug 08, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Two voices in my head
Replies: 36
Views: 2930

Re: Two voices in my head

Your ISP is your ISP.

Keep investing, keep learning.

Stay the course.
by Mickey7
Sun Jul 08, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 4071

Re: Do you count pension contributions as a portion of your overall retirement contributions.

Re: Do you count pension contributions as a portion of your overall retirement contributions. Report this post Quote by ThePrince » Sun Jul 08, 2018 1:04 pm indexonlyplease wrote: ↑ Fri Jul 06, 2018 9:32 am No Why because you don't know what changes may occur in the pension system. So, save and inve...
by Mickey7
Sun Jul 08, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3612

Re: Trying to hit grand slam with small % portfolio?

Heh, I buy a lottery ticket once or twice a month. Does that count?

:greedy
by Mickey7
Thu Jun 28, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Roth vs Taxable to Fund Retirement Prior to 59 1/2
Replies: 12
Views: 1243

Re: Roth vs Taxable to Fund Retirement Prior to 59 1/2

naclt » Thu Jun 28, 2018 8:37 pm

I think about retirement daily but that’s another discussion.


Don't we all.
by Mickey7
Thu Jun 28, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 35519

Re: What is/ was your career and would you recommend it now?

Two totally different careers here. While working my way through school, I began working in industrial sales. Stayed in it, even after getting my BA in Social Studies. The salary was very good for many years, then came oil busts and consolidations. That business is now a shell of what it was and I c...
by Mickey7
Wed Jun 27, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: How many months of living expenses would you keep in your bank.
Replies: 61
Views: 4324

Re: How many months of living expenses would you keep in your bank.

Combined bank checking, saving and mm about 6 months.
by Mickey7
Tue Jun 26, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Charity giving how much? How much do other retirees give?
Replies: 44
Views: 4218

Re: Charity giving how much? How much do other retirees give?

Next year should be my first in retirement and my budget has giving included. The amount/percentage is personal and is answerable only for myself to consider. I do also plan to include giving of my time. We are all different and what I feel to be appropriate is of concern only to myself. But if I ma...
by Mickey7
Tue Jun 19, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 9153

Re: gray hair

I started getting gray hair, well a strand here and a strand there, at 13. By college I was able to get in clubs without being carded. One particular fraternity brother really rode me about it and I would tell him that when he turned 30 that he would have to part his hair with a marks a lot. Fast fo...
by Mickey7
Tue Jun 05, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: pension
Replies: 12
Views: 1556

Re: pension

+1 jebmke and mickeyd My pension and SS will be slightly more than my net after pension, 403b, Roth and HSA contributions are considered (and including future Med expenses are included in my retirement budget). The pension of which .75 of total will not have COLA, the SS will have it. Such being the...
by Mickey7
Sat May 26, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25543

Re: Do people still use AAA?

Yes. Can you piecemeal the different services that AAA provides for a lower price? Probably so. Can you use GPS instead of maps? Probably so. Can you find notaries somewhere else? Probably so. Can you get passport photos taken elsewhere? Probably so. Can you call a locksmith to come out when you're ...
by Mickey7
Sat May 26, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9308

Re: Help Buying Mens Shoes for Work and Dating

+ 1 Allen Edmonds
by Mickey7
Sun May 13, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 6167

Re: Advice on building a timeless mens wardrobe?

OP if nothing else on the Forum you can always find a range of ideas and opinions, but first I believe that you have already outlined what you looking for "I am in my mid-30's, newly single, and live in the north east. Appropriate attire for my work is business casual to suit and suit and tie a coup...
by Mickey7
Thu May 10, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 5378

Re: Which City to spend 4-6 weeks?

Of course the Boglehead opinion is "It all depends." For your checklist Amsterdam is an obvious choice. Removing bicycling from the equation, all the other choices are equally fine. But with Paris you can also check out the bike tours for the gardens at Versailles. This was truly a great experience!...
by Mickey7
Thu May 03, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to smell like buying season?
Replies: 55
Views: 7077

Re: Starting to smell like buying season?

I don't know about yours, but my crystal ball tells me to stay steady and keep the course. Twice a month is buying season.
by Mickey7
Mon Apr 30, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Must See in South Dakota
Replies: 58
Views: 4640

Re: Must See in South Dakota

Sioux Falls would be the best break between Minneapolis and Mount Rushmore. Hit on a few places going to Rushmore and hit the rest on the way back. Depending on your length of time there consider staying in Custer instead of Rapid City. Check out the National Parks website to get a layout and overvi...
by Mickey7
Sun Apr 29, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 2231

Re: 3 days in London - must dos?

Definitely sign up for a late afternoon Friday food tour and perhaps the London Eye that night. Parliament is only open to the pubic on Saturday (get tour) and connect this with Westminster. British Museum is a must, but check out those items beforehand or you'll spend all day. A boat tour down the ...
by Mickey7
Sat Apr 28, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Did you rent car in Spain?
Replies: 18
Views: 1123

Re: Did you rent car in Spain?

Spent 15 days in Spain 2 years ago and never even considered a car. Madrid, Cordoba, Tarifa, Granada, Barcelona, Toledo and back to Madrid, Used trains, buses and 1 flight (Granada-Barcelona). In the cities used pubic transportation never an issue. If you need to visit out of the way places, a car w...
by Mickey7
Mon Apr 23, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Family trip, Southwest USA
Replies: 27
Views: 2473

Re: Family trip, Southwest USA

Great trip, but best if you chose option 5. Fly into Vegas see the sights and spend the night. Walk the Strip. Drive down to Hoover Dam, maybe along the way from Vegas drop over to Lake Mead for a picnic and a swim. Drive over as close as you can get to the Grand Canyon. Plan for a couple of days. T...
by Mickey7
Sun Apr 22, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 46
Views: 4141

Re: Traveling to Asia-need advice

First we need to assume that he has checked in at the State Department website for any shots that might be needed for the areas he has planned to go and for his passport.

If he is good to go there, what are his initial plans/itinerary?
by Mickey7
Sun Apr 22, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Individual bonds versus bond funds.
Replies: 11
Views: 1158

Re: Individual bonds versus bond funds.

If you are buying Total Bond shares through auto payments and plan to hold them for several years you can/should ignore all the noise and intricacies involved with single bonds. Afterall when it goes down you are buying more shares of a fund that will be worth more later. Of course it is a different...
by Mickey7
Sat Apr 14, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Spain in May end
Replies: 32
Views: 2169

Re: Spain in May end

Spain in a week? No. Parts of Spain in a week? Yes, the question for you is to determine which parts do you want to see. What is the one thing you have to visit? And then the second and so on. We all travel differently, keep this in mind. Get the Rick Steves book on Spain to help determine your agen...
by Mickey7
Mon Apr 09, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 46595

Re: Name something you had to have and now you regret purchasing it?

My Jeckyl and Hyde was a 1983 Buick Riviera I really thought that I could afford that dream car. Every girl that I knew at that time really thought it was a dream car. In my mind that meant "chick magnet". It was a beautiful car, fully loaded. This was the full amount of my research in buying the ca...
by Mickey7
Sat Mar 17, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 262
Views: 124965

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

What a wakeup call!!! This is why I read the Forum.

So many lessons here leave me with so many questions.

If I may quote Marketman, "I THINK THIS THREAD SHOULD BE MARKED AS REQUIRED READING FOR NEW INVESTORS."

Thank you,
by Mickey7
Fri Mar 02, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Athens Greece in Sept
Replies: 17
Views: 1439

Re: Athens Greece in Sept

Opa! Being a fan of Rick Steves I kind of did my 4 days in Athens by following some of his ideas. Rather than staying in an "American" style hotel, I opted for a nice local hotel near Syntamagma and the beginning of the Plaka. The Plaka has some really nice restaurants to hang around at night. The A...