Search found 151 matches

by Mickey7
Sun Oct 13, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: 1 week camping tour, Phoenix-El Paso, suggestions?
Replies: 21
Views: 1094

Re: 1 week camping tour, Phoenix-El Paso, suggestions?

Okay this will be excellent trip this time of year. I have done several camping trips from Houston to Phoenix and that are a lot of nice places to camp, but first a little research on your part is necessary. Have you driven with a camper before? I ask this because a the trip will take a little longe...
by Mickey7
Wed Oct 09, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 8864

Re: Do you carry your passport with you during international travel?

I keep my passport with me in my money belt, the passport card in my wallet and a copy at the hotel.
by Mickey7
Sun Oct 06, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4520

Re: Would or should you tip AAA road assistance?

wander wrote:
Sat Oct 05, 2019 1:54 pm
I think tips are personal choices. If you want to give money to somebody, it is absolutely fine. However, if you don't give, that's fine too. If giving makes you happier, then by all mean do it. :D
+ 1
by Mickey7
Sun Oct 06, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3684

Re: Kayaking & Fisherman - What is proper etiquette?

I'm a lake kayak fisherman too, and in my experience, using a kayak is one of the least obtrusive methods of fishing that exists. No noise and a small wake. If the shore fisherman expected open water for 75' (1/2 the width of the cove) that was unreasonable. Unless he was top water fishing why woul...
by Mickey7
Fri Oct 04, 2019 12:28 pm
Forum: Personal Investments
Topic: Lump sum vs Pension
Replies: 20
Views: 1959

Re: Lump sum vs Pension

Here is the good news! At 41 you are not waiting until retirement is knocking at your door. Many things can and will happen in the intervening years. A pension with SS will go a long way toward mitigating any issue associated with risks on sequence of returns. It is a return that keeps on giving the...
by Mickey7
Tue Oct 01, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Necessity of extra insurance if single with no dependents?
Replies: 11
Views: 593

Re: Necessity of extra insurance if single with no dependents?

gr7070 wrote:
Tue Oct 01, 2019 11:15 am
I echo the above, assuming these are extra "riders".

Do make certain you have long-term disability insurance though (with the premium paid for after tax, if possible). LTD is a must have insurance until one is financially independent.
+ 1
by Mickey7
Tue Oct 01, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8045

Re: Scam Alert - Verizon Wireless

Thank you for the "heads up".
by Mickey7
Thu Sep 26, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 3919

Re: Suggestions for good leather shoe?

If you are close to an AE store go there and look at the styles and see which ones that you like. Try them on at the store. Because of their use of differing "last" welt construction, some feel better on your feet than others. Now having properly researched the item follow the advice of others and l...
by Mickey7
Wed Sep 11, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 8755

Re: How old is your cellphone?

iPhone 6 SE - 3 years. It meets all my needs and my pocket.
by Mickey7
Wed Sep 11, 2019 10:09 pm
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 115
Views: 9461

Re: Too Late To Get Back Into Stocks?

You've seen what has happened and think to yourself "I want some of that." Then you star thinking "Hey what if?"

No one has a crystal ball here.

We all have different AAs in which we find comfort. Find one for yourself.
by Mickey7
Wed Sep 11, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 4564

Re: Calling all iPhone SE Bogleheads

The SE works for me.
by Mickey7
Sat Aug 31, 2019 10:13 pm
Forum: Personal Investments
Topic: Inherited IRA investments
Replies: 13
Views: 1608

Re: Inherited IRA investments

I was the beneficiary of my deceased aunts $100,000 tax sheltered annuity and have since rolled this into an inherited IRA. It is sitting as cash in a brokerage account at the moment. As is the case with inherited IRAs, RMDs are involved. I would not like to take on too much risk with this account....
by Mickey7
Sat Aug 31, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 61
Views: 3743

Re: Cash & Checkbook Register Reconciliation

I have not done so in years.
by Mickey7
Sun Aug 25, 2019 12:55 pm
Forum: Personal Investments
Topic: Two questions in one RE: Pension & Muni bonds
Replies: 14
Views: 1231

Re: Two questions in one

Regarding the second part first a determination can be based on the security of the pension, your ages and how secure is your belief that you can achieve better results.
by Mickey7
Wed Aug 21, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Moving to Houston
Replies: 39
Views: 3743

Re: Moving to Houston

Since you will be moving here next month (Welcome to Houston!), you have a rather short amount of time. As are all large cities this can be quite daunting, especially with your criteria. One thing that I might have missed in this discussion is regards to your being a no car, 1 car or 2 car family. T...
by Mickey7
Wed Aug 21, 2019 1:57 pm
Forum: Personal Investments
Topic: Pensions and planning
Replies: 18
Views: 1068

Re: Pensions and planning

It matters a lot whether the pension is from the federal government or from, say, Detroit or US Steel. https://www.pbgc.gov/news/press/releases/pr19-09 I would count her 7% contribution toward the desired savings rate if it vests fairly quickly. The details are in the plan. If she leaves in three y...
by Mickey7
Tue Aug 20, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7129

Re: Are there advantages to being married to a teacher?

I had to redo my post after re-reading your posts. If the question is whether or not there is a benefit for yourself in having a teacher for a spouse, I would say that the answer would be yes. You could be more of a risk taker in your career knowing that you will have a steady income coming into you...
by Mickey7
Fri Aug 16, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 9903

Re: Breakfast Menu After Retirement

Bacon Egg Cheese Biscuit Combo with unsweetened ice tea about 4 times a week, other wise whatever is in the fridge. Next month eat at the Y before working out.
by Mickey7
Sat Aug 10, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Advice on short Vietnam visit
Replies: 30
Views: 2221

Re: Advice on short Vietnam visit

Definitely liked the comments from arbol, which brought back some good memories from a trip about 8 years ago. Hanging around the Old Quarter and seeing the underwater puppet show is something that I still freshly remember. As others have said, if you go to Halong Bay, spend the night on a boat. The...
by Mickey7
Sat Aug 10, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 10639

Re: Ponder this, BH's... is Ben & Jerry's worth it?

When you are ready for it the price is inconsequential. Just buckle up your big boy pants and go for it!

Of course later on you might have to unbuckle them. :D
by Mickey7
Sat Aug 03, 2019 9:18 pm
Forum: Personal Investments
Topic: buying pension credits decision
Replies: 19
Views: 1142

Re: buying pension credits decision

I would definitely consider it. I am on a state plan and about 13 years ago I was eligible to get an extra year, due to being a long term sub, the cost was much lower do it being based on my salary at the time. I jumped on it. :D Now at retirement have found out that I am eligible for another year. ...
by Mickey7
Sat Aug 03, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 11296

Re: Insane to buy a sports car?

Can you do it? Yes. Have you done your homework? That's up to you. There is more to it than splashy ads. Being this will be your only car will you be alright in the commute? If you are not sure rent something that is somewhat comparable for a week. That will be pricey, but it will give you a feel fo...
by Mickey7
Thu Aug 01, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 27142

Re: Social Security -- Take it at 62, 67 or 70

When you look at it we have a pretty good and pliable system here with broad parameters from which to operate. There are reasons why SS has their sliding scales and everything is based on your needs or choices. There are a multitude of rabbit holes out there that we can jump into, but which ever one...
by Mickey7
Tue Jul 30, 2019 5:18 pm
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 101
Views: 21333

Re: Retire with Less Than $1 million?

Being a late starter meant the hope of getting to the million mark was not possible. That being said the best plan that was available was to work until my pension (Texas Retirement) and SS (with WEP subtracted) would be worth more than my current net. In the meantime I maxed out my 403b, Roth and HS...
by Mickey7
Mon Jul 22, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4767
Views: 1232405

Re: What Movie Have You Recently Watched?

Really liked Yesterday at the theater. Based on the story's premise thought it might be "Hollywooded" at the end, but it wasn't.

The music though was oddly familiar.
by Mickey7
Sat Jul 20, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2287

Re: Glacier National Park

Glacier National Park is great. You will definitely be rewarded with your choice of hikes. If you need some flexibility shoot for Two Medicine. A boat will ferry you out and you choose the hike you want. I took the southerly route and basically came up on a moose. Way too close for me, but I backed ...
by Mickey7
Sat Jul 20, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: What are the benefits of 403(b) over IRA?
Replies: 17
Views: 1427

Re: What are the benefits of 403(b) over IRA?

Once the last paycheck to my 403b has been processed, and I am sure that all of the dust has settled, then the account will be moved to an IRA. In a few years I will use my RMD as part of my church tithe. As per my understanding a 403b RMD cannot be used as a QCD.
by Mickey7
Sat Jul 13, 2019 12:26 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and More In October
Replies: 35
Views: 2585

Re: Grand Canyon and More In October

Okay this is doable, but depending on when your reservations are in your trip you are going to rack up some miles. A lot depends if you Grand Canyon is in the 1st part or last of your vacation. From Phoenix to Sedona and do your Sedona thing. Overnight in Sedona or Flagstaff. Out of Sedona/Flagstaff...
by Mickey7
Fri Jul 12, 2019 11:23 pm
Forum: Personal Consumer Issues
Topic: Morocco Travel
Replies: 20
Views: 2350

Re: Morocco Travel

I believe that you are correct in wanting to have a guide or be a part of a small group for Morocco. Handled Turkey by myself for a couple of weeks by myself so I thought that handling Morocco for a few days would be fine. On a long vacation in Spain by myself I took the hydrofoil from Tarifa in Spa...
by Mickey7
Fri Jul 12, 2019 11:28 am
Forum: Personal Investments
Topic: Teacher 403B Plans
Replies: 31
Views: 2474

Re: Teacher 403B Plans

With the choices you have on the site, I would definitely go for it. Being a teacher in education and not having much information to go on, I had my initial 403b in my local credit union which was not very good. My account languished there for some time. Did I say languished? I meant bled. With furt...
by Mickey7
Fri Jul 12, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Which area to stay in Bangkok?
Replies: 12
Views: 1387

Re: Which area to stay in Bangkok?

+1 flyingaway

Stay at a place by the BTS stations. As been said download a BTS map and work backwards, not the other way around.

Drink plenty of water.
by Mickey7
Thu Jul 11, 2019 11:51 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 29381

Re: Americans believe they need $1.7 million, on average, to retire

$1.7 million to retire - gulp, I better start stocking up on Alpo! Really, I mean REALLY. There are so many variables in this article starting with the core samplers that it cannot be considered a one shoe fits all. Listen we all know that we need to do the best that we can in saving and planning fo...
by Mickey7
Thu Jul 11, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Drive to Olympic National Park from Midwest
Replies: 26
Views: 2071

Re: Drive to Olympic National Park from Midwest

OP what is your time frame and who is going with you? It is 2000 miles from Madison to Olympic or approximately nearly 37 hours straight driving, one way. If you have the time go for it, the Interstate will be fine. There is a lot to see, get some maps and start researching it out now. Many of the p...
by Mickey7
Thu Jul 11, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Visiting Buffalo,NY / Niagara Falls area - things to see and do?
Replies: 46
Views: 2454

Re: Visiting Buffalo,NY / Niagara Falls area - things to see and do?

If you have a passport/card definitely spend a day or so on the Canadian side, Niagara-on-the-Lake is great and very laid back. If you are so inclined check out a performance at the Shaw Festival. Take a drive past the falls on either side to Lake Ontario to the old military forts. Really nice drive...
by Mickey7
Thu Jul 11, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9594

Re: Who cuts your hair? And for how much?

Supercuts $15 + $5 tip
by Mickey7
Tue Jul 09, 2019 12:08 am
Forum: Personal Consumer Issues
Topic: Yellowstone guidance
Replies: 12
Views: 1369

Re: Yellowstone guidance

While I nothing for you on fishing guides, Yellowstone has a ton of great hikes. Get on the National Parks Service website and check out the varied hikes.
+1 on Lamar Valley.

Enjoy
by Mickey7
Mon Jul 08, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: St. Louis Travel/Tourism
Replies: 20
Views: 1337

Re: St. Louis Travel/Tourism

I really cannot say enough good things about your ballpark! Good park, good fans.

Enjoy
by Mickey7
Tue Jun 18, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 49
Views: 3743

Re: Turkish Airlines ?

Granted that my experience with TA was about 5 years ago, I found the airline to be equal or above other carriers regarding pricing, seating, food and staffing.
by Mickey7
Mon Jun 10, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Registering for SS and Medicare office this Wednesday. What else do I need to take?
Replies: 3
Views: 699

Registering for SS and Medicare office this Wednesday. What else do I need to take?

Well the time has come to register for SS and Medicare. I have called several times each time to no avail so this Wednesday I am going to apply in person. Having been there on several times I realize there will be a wait, but as I had said already I have waited on the phone and at least I will be th...
by Mickey7
Sat Apr 20, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2520

Re: River cruise, Avignon to Lyon, France

You are correct in choosing the trains. If you have done so look up the schedules on Eurorail.

Enjoy.
by Mickey7
Fri Apr 12, 2019 11:38 pm
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 278
Views: 24712

Re: Crypto bulls are back. Are you getting in?

Sounds great! Just start without me.
by Mickey7
Tue Apr 09, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Charleston with kids for a couple of days
Replies: 10
Views: 706

Re: Charleston with kids for a couple of days

Definitely do Sumter. Yorktown would be cool as well. Perhaps Fort Moultrie and Sullivan Island.
by Mickey7
Sat Apr 06, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: April "Bogleheads on Investing" podcast with special guest Allan Roth!
Replies: 18
Views: 2842

Re: April "Bogleheads on Investing" podcast with special guest Allan Roth!

Thank you for all of your work in airing these podcasts. Every time I listen I come out for the better.
by Mickey7
Tue Mar 26, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Good Camping Tent?
Replies: 28
Views: 1863

Re: Good Camping Tent?

When you are looking far a tent, buy the tent that fits your needs. Since you are looking for a 6 man setup I would venture to say you will be car camping and are looking for a little "elbow room". I have a REI Kingdom and that works well, it is nice when you want to stand up or to sit in when the m...
by Mickey7
Fri Mar 15, 2019 7:41 pm
Forum: Personal Investments
Topic: What role do bonds play in your portfolio?
Replies: 75
Views: 5787

Re: What role do bonds play in your portfolio?

70/30 AA, but if I count my vested pension it is more like 55/45. That's really interesting to think about. Do you think most people consider this? If someone has a pension, or even can count on maximum SSI, or a life insurance investment, should they adjust their bond allocation downwards because ...
by Mickey7
Wed Mar 13, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 7527

Re: How many companies have you worked for?

Age 67.

A tale of 2 lives.
Working my way through college 9.
3 companies since college.
by Mickey7
Tue Mar 12, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 70
Views: 6429

Re: lawn care cost

$30 a pop. My first job in high school was cutting yards. I gladly pass the torch.
by Mickey7
Fri Mar 01, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7696

Re: BH could you live off your SS benefit?

I would have to say no as my SS will only be $1385 per month. The amount is low because I became an educator 23 years ago and work in a state where you do not contribute to SS. Also WEP contributes to a loss of 29% of the value of what my benefit would have been. Fortunately I will have a pension th...
by Mickey7
Thu Feb 28, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Spain Vacation
Replies: 21
Views: 1509

Re: Spain Vacation

First determine what will be your A priorities that you must see in the time you have allotted for your trip.
Go out and buy the Rick Steves book on Spain.
Once you do this we can give you some more specific help.