Search found 47 matches

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: 3139

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: 102
Views: 11792

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: 2781

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: 3675

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: 3400

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: 1183

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: 33898

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: 4132

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: 4031

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: 8641

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: 1507

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: 24875

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: 8879

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: 5903

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: 5199

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: 6858

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: 4506

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: 2136

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: 1054

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: 2407

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: 3973

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: 1031

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: 2061

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: 45566

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: 259
Views: 118228

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: 1369

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...
by Mickey7
Fri Feb 23, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: A Week in Barcelona in March
Replies: 3
Views: 396

Re: A Week in Barcelona in March

Order your tickets for La Sagrada Familia now if you have done so already! There is great hiking at the Monteserrat Monastery - day trip by train with a super cable car ride to the top of the mountain. Walk the Ramblas at night for dining. Barcelona has a good subway system to get to different parts...
by Mickey7
Sun Feb 04, 2018 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating the payroll value of a pension?
Replies: 11
Views: 1143

Re: Calculating the payroll value of a pension?

Hello texasdiver, it looks as though your figures are correct regarding the replacement for you future "lost years" for your pension, it sounds like there is still a little trepidation regarding taking another job. It appears that I am a few years ahead of where you are now. When I became fully vest...
by Mickey7
Sat Jan 27, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 7476

Re: Turn 75,000 into 1 million

While the OP's desire is how to turn a 75K to 1M, IMHO the desire might be restated as to how the 75K will result in a stable retirement. If it is indeed only a desire for an investment tally, then the BHs here have shown you multiple paths that can be taken. The point raised by dbr "It is assumed t...
by Mickey7
Sun Dec 31, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Building Emergency Fund - Where to put money
Replies: 16
Views: 1380

Re: Building Emergency Fund - Where to put money

Congratulations to your nephew for taking the first step. The recognition of what an emergency fund is as the first block for the start of a foundation constitutes where his money should go. While some have mentioned equities as having the greatest growth, he should remember that the fund is not for...
by Mickey7
Sun Dec 31, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: compression sack for sleeping bag, help with calculations please
Replies: 42
Views: 3321

Re: compression sack for sleeping bag, help with calculations please

If you have an REI store near to where you live, go there for help. You should be able to physically try it out,

Enjoy the trip.
by Mickey7
Mon Dec 18, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: US National Parks
Replies: 36
Views: 3491

Re: US National Parks

The reason they make red shirts and green shirts is that everyone wants something different, What do you want to do to make your park experience your own? What do you want to commit to in achieving that experience? There are no incorrect answers here: there is only your answer. Start your planning n...
by Mickey7
Tue Nov 21, 2017 12:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 25751

Re: Vanguard 403b Changes

For something that has been afoot for awhile and for a company as stable as Vanguard, this is turning into a 3 Stooges production. On my last Vanguard confirmation it showed the contribution to Total Bond, but not for Wellington or Equity Income. What happened to the other contributions? It also sho...
by Mickey7
Mon Nov 13, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare [Can I contribute to a Health Savings Account?]
Replies: 27
Views: 2439

Re: Medicare [Can I contribute to a Health Savings Account?]

It would be Aug 1st and I would be 66 and 6 months.

Thank you
by Mickey7
Mon Nov 13, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare [Can I contribute to a Health Savings Account?]
Replies: 27
Views: 2439

Re: Medicare [Can I contribute to a Health Savings Account?]

I just checked with HR and my effective end date of my school contract will be July 7th, Theoretically I could have 6 months, however since I will have to apply for Medicare 2 months before I retire this should mean that only 4 months could be claimed. Since though the claim would be retroactive for...
by Mickey7
Mon Sep 04, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 157
Views: 19450

Re: HSA - is keeping 40 years of medical records practical?

It is great to hear of all of those whom are at an early start of their investment careers have an opportunity to amass princely sums into their HSA portfolios they will need to develop a vehicle that allows them to utilize the compounding potential for such a growth. My kudos to you!!! Mine will no...
by Mickey7
Fri Aug 04, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3664
Views: 1039824

Re: What Movie Have You Recently Watched?

Dunkirk. Stiff upper lip and all. Good movie.
by Mickey7
Fri Aug 04, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 4465

Re: "National Parks senior passes in short supply."

I have had mine for 3 years and bought it at the park entrance for Big Bend. Best investment ever!!!! Remember you can also use it for discounts when camping. During the last 3 years for vacation I would camp at a park for 2 or 3 days (tent sites will be $10 -15 a night) and then hit a hotel on the ...
by Mickey7
Thu Aug 03, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Barcelona Hotel Recommendations
Replies: 30
Views: 3047

Re: Barcelona Hotel Recommendations

I used Chic and Basic. It is close to the waterfront, 1/2 block from the Metro and another block off Ramblas. Great location!
by Mickey7
Sat Jul 29, 2017 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 197
Views: 26520

Re: How Much in Your Emergency Fund And Is It Used?

And the one answer is - there is no one answer. It appears that everyone has their own particular definition as to what constitutes an "emergency fund" and how it is to be accessed. For myself this is money that I can get my hands on right here right now without touching anything else, a safe harbor...
by Mickey7
Sat Jul 22, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 25751

Re: Vanguard 403b Changes

I had divided my 403b into the 2 funds and therefore assumed that the fee applied to each. I will call and repost Monday if the $60 fee is only for the one 403b, and doing so with a smile if it is.
by Mickey7
Fri Jul 21, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 25751

Re: Vanguard 403b Changes

I don't know, but I am k-12 in Texas. Probably should call.
by Mickey7
Fri Jul 21, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 25751

Re: Vanguard 403b Changes

Just returned from vacation and received my letter from Vanguard. So of course I jumped to the forum to see what the gist of the matter was. I only opened my Vanguard account a couple of months ago to see how it stacked up with the 403b I have had for the last several years to see which performed be...
by Mickey7
Tue Jun 20, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Near retiree, recent saver
Replies: 3
Views: 979

Near retiree, recent saver

I got a late start, mea culpa. Current Status - 65 Single – no children No Life Insurance Own home - no mortgage Only debt is 6 month of car payments (Total $2600) $10 k in savings and checking $25 k Money Market at bank $13K HSA at bank (not in stocks) $22 K Roth $32 K 403 B Recently opened with Va...