Search found 111 matches

by Mickey7
Sat Apr 20, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2272

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: 147
Views: 11428

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: 618

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: 2656

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: 1685

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: 4711

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: 6408

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: 57
Views: 3935

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: 7138

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: 1340

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.
by Mickey7
Sun Feb 17, 2019 3:54 pm
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 7701

Re: Did you get spooked by the December 2018 fall and gave up on passive?

Nearing retirement I decided to alter my contributions back into FI as my allocation was past the bands by a lot in September and changed back for the last half of December. Also finished off my last Roth contribution in December. So mas o menos came out okay. I do now understand the degree of separ...
by Mickey7
Sat Feb 16, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: Help plan [Machu Picchu], Sacred Valley trip
Replies: 26
Views: 2133

Re: Help plan [Machu Picchu], Sacred Valley trip

So much to see, so much to do, and in some places so little air. It definitely seems that your itinerary is quite full, but since you are in control it will always be fine to deviate from it if you must. Basically on my trip, I flew into Lima on day one and made it to Cusco on the second day and acc...
by Mickey7
Wed Feb 13, 2019 2:43 pm
Forum: Personal Investments
Topic: Wellington & Wellesley Funds
Replies: 20
Views: 3771

Re: Wellington & Wellesley Funds

+1 20% total in both W's combined.
by Mickey7
Tue Jan 29, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Where to stay for 1 week in Madrid?
Replies: 25
Views: 1153

Re: Where to stay for 1 week in Madrid?

It really depends on what your needs are. I found the Chic B&B very basic, met my needs. It was walkable to the Prado and other museums along with the train station. Good neighborhood area. Try a quick train hop to Toledo or Segovia. Btw I am a single traveler and travel light.
by Mickey7
Mon Jan 28, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3690

Re: Do you do backpacking in your 50s or 60s?

Yes, I still do. Am planning on the Camino in the next year. I am 67.

" We don't stop playing because we grow old; we grow old because we stop playing." Shaw
by Mickey7
Mon Jan 28, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Public Pension vs. SS
Replies: 8
Views: 1036

Re: Public Pension vs. SS

I don't believe WEP is an issue here (unless she also contributed to SS while working for an employer other than the district), but with WEP and GPO the reductions of the SS benefits are smaller than the pension benefits being offset, so I agree she should get SSA to show her the math. +1 WEP is no...
by Mickey7
Sun Jan 27, 2019 1:28 am
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 137
Views: 7913

Re: BHers, what is your Roth IRA %?

With pension and SS I will have more income than I currently have considering retirement, 403b, Roth and HSA contributions are all maxed. At retirement this year (age 67) I will be at: 10% HSA 33% Roth 57% 403b As of now I do not include any of my EF money market funds though I am wondering if maybe...
by Mickey7
Sun Jan 20, 2019 12:50 pm
Forum: Investing - Theory, News & General
Topic: Tell me your HSA strategy/advice
Replies: 52
Views: 5188

Re: Tell me your HSA strategy/advice

Getting into HSAs later in life decided to keep account at my bank for the conservative reason of not expecting a long time frame for viable accumulation growth before it would be tapped. Being 67 and planning to retire in August it is only considered as a money market in my allocation. While I plan...
by Mickey7
Wed Jan 16, 2019 8:35 pm
Forum: Investing - Theory, News & General
Topic: The Bogle Rule
Replies: 24
Views: 4711

Re: The Bogle Rule

I'm good with that.
by Mickey7
Mon Jan 14, 2019 10:32 pm
Forum: Personal Investments
Topic: I'm the noobiest noob
Replies: 16
Views: 1716

Re: I'm the noobiest noob

justanothermike, Welcome to the forum. Congratulations on the many good and sound decisions that you have already made! It is never a good feeling to experience a loss to your portfolio; it even feels worse when you are just starting. My first several years I to experienced some loses, mostly due to...
by Mickey7
Sun Jan 13, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3972

Re: Duffel Bag vs Wheeled Stand Up traveling

We travel VERY light and I like to have my hands free so I prefer travel backpacks. When we travel internationally my husband and I both use one of these as our only carry-on: https://store.ricksteves.com/shop/p/classic-backpack We used that pack for even 2 week international trips, we just did a l...
by Mickey7
Sat Jan 05, 2019 12:27 am
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4916

Re: 11 days in Europe...Budget and logistical advice please

Definitely get on the Rick Steves' website and get his book for ideas for Paris and short side trips like Chartres and Versailles. Both are easily done by short trains. I did a bike tour of Versailles and it was awesome. When we got off the RER train with our bikes and went into the market to buy ou...
by Mickey7
Mon Dec 24, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10782
Views: 1886892

Re: U.S. stocks in free fall

What loses? I have as many shares as I had yesterday. :D

It is only a loss if you sell.
by Mickey7
Sat Dec 22, 2018 8:50 pm
Forum: Personal Investments
Topic: Should I put another $5500 in the Market on January first for my ROTH IRA?
Replies: 29
Views: 3639

Re: Should I put another $5500 in the Market on January first for my ROTH IRA?

MinimalJ wrote:
Sat Dec 22, 2018 8:36 pm
I usually do this as well. But now I'm thinking a good strategy would be stagger it throughout the year in case it keeps going down. So 5500/12 per month or 5500/6 every two months. Thoughts?
I normally stagger mine due to necessity, this year I can call it a strategy.
:D
by Mickey7
Mon Dec 17, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now showing Jan 21]
Replies: 75
Views: 9725

Re: Impressive film in theater Dec 17 and 27 only

Outstanding film!

Peter Jackson has woven a coherent film together from archival films of the war along with survivor recordings to truly give one the sense of what the war was like from many individual experiences from beginning to end. This is a view of what life was about from the "ground level".
by Mickey7
Sat Dec 15, 2018 11:28 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 4446

Re: Planning first international trip - London/Paris

My wife and I are planning our first international trip. We are planning on spending six full days in Europe the last week of April. We are flying non-stop from Atlanta to Heathrow airport. 1. What part of the city do you recommend staying? Is this walking distance to any major tourist areas? 2. Sh...
by Mickey7
Mon Dec 10, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 8110

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Your subject title says it all, "To each his own."

--- Nothing else matters.
by Mickey7
Fri Dec 07, 2018 8:03 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7315

Re: Anybody Miss the Crypto Rage on BH Forums

Wow from Crypto to marijuana, what a choice! Do I want my money to go gown the drain or u[ in smoke? BTW I wouldn't even touch the guano!

:D
by Mickey7
Thu Dec 06, 2018 8:16 pm
Forum: Personal Investments
Topic: Young and Dumb--wanting to start investing
Replies: 14
Views: 1469

Re: Young and Dumb--wanting to start investing

Welcome to the forum Madison2017 You are quite correct in your belief that a RothIRA should be a good place for your first contribution. Others have already listed good funds to receive your initial contributions such as Life Strategy. Targetdate or Star to begin. Do take the time to read over the p...
by Mickey7
Sun Dec 02, 2018 2:04 am
Forum: Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 6247

Re: Saving for Retirement when one has a Pension

Hopefully everyone here who are trying to figure their percentage of their pension vs. their salary are subtracting their monthly salary contributions plus their 403b, 457, Roth, state retirement and HSA contributions in their calculations. Example say I want to use my current salary of $95,000 as a...
by Mickey7
Wed Nov 28, 2018 8:17 pm
Forum: Personal Investments
Topic: How to rebalance?
Replies: 7
Views: 753

Re: How to rebalance?

Welcome to the forums! I rebalance with new contributions. If you have a few more years to go to retirement but want to boost your bond holdings, you could always put 100% of your contributions to bonds until you hit your desired asset allocation. Or if you have tax-advantaged accounts, you can sel...
by Mickey7
Sun Nov 25, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: SS and WEP [Social Security and Windfall Elimination Provision]
Replies: 15
Views: 1067

Re: SS and WEP

Good planning if you are already looking into the effects of WEP and GPO. Since you have determined that the pension is better, then encourage your wife to continue working in the pension system rather than a job with social security. +1 In doing your research early you will have removed a big prob...
by Mickey7
Sun Nov 25, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: SS and WEP [Social Security and Windfall Elimination Provision]
Replies: 15
Views: 1067

Re: SS and WEP

My wife worked for a public school for a number of years. They do not pay into SS, but she will get a monthly payoff via STRS (Calif.) instead. Since she worked outside the schools for more than a decade and did pay SS, she will be able to tap into that account however the amount will be reduced by...
by Mickey7
Sat Nov 10, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: State retirement pensions thoughts?
Replies: 36
Views: 3904

Re: State retirement pensions thoughts?

Just looking for thoughts on state retirement pensions...risky? I know my husband will never be retired at age 40 with 2 million in the bank so.....at this point in life we feel like state pensions and saving as much as we can otherwise is our best way to go. We are not moving and our city does not...
by Mickey7
Sat Nov 10, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3839

Re: Roth Investment Theory

Dollar cost averaging is a neccisity for people who don't make a lot of money. I wish I made 100K+ per year like I feel most everyone on these boards do. If you make 60K, like myself, you can't just lump sum giant amounts of money into accounts without having to dollar cost average or spread it out...
by Mickey7
Thu Nov 08, 2018 10:56 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 46956

Re: Whats your number to walk away?

steve roy wrote:
Thu Nov 08, 2018 6:29 pm
My numbers?

Turned out to be 68 years old ....

Pension and Social Security ...

A comfortable amount of money in the investment and retirement accounts.

+1

Mine will be 67
by Mickey7
Thu Nov 08, 2018 10:34 pm
Forum: Personal Investments
Topic: Social Security as a percentage of portfolio
Replies: 14
Views: 1679

Re: Social Security as a percentage of portfolio

As noted by sport, your ss and/or pension constitutes the initial layer for your retirement income stream. As such it is not a part of my portfolio, it is a base to be used for each year's planning.
by Mickey7
Mon Nov 05, 2018 8:35 pm
Forum: Personal Investments
Topic: Wellesley Fund in Retirement
Replies: 5
Views: 1050

Re: Wellesley Fund in Retirement

They aren't my only funds but have them both.

+ 1
by Mickey7
Mon Nov 05, 2018 8:31 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri interview on the "Big Picture Retirement Show"
Replies: 3
Views: 1699

Re: Rick Ferri interview on the "Big Picture Retirement Show"

As always Rick Ferri provides us with an affirmation for our collective investment philosophy.

Thank you,
by Mickey7
Sun Nov 04, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security Online
Replies: 44
Views: 5772

Re: Applying for Social Security Online

Spideyindexer, It would be best to follow pahkcah's advise and find out what your true benefit will be. I went to the SS office when I turned 62 and was amazed at what it would be, but it knowing in advance helped define my retirement strategy. At 66 I went back primarily to do a number check (every...
by Mickey7
Tue Oct 30, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Camping in late December-January, SW US
Replies: 16
Views: 1254

Re: Camping in late December-January, SW US

You could be incredibly lucky during this time and catch everything "just right." OTOH once that winter blast comes all h--- might freeze over. I've had it both ways. Plan your trip with a good B plan of low cost motels. For example in Big Bend scout out motels in Terlingua and Alpine. Terlingua is ...
by Mickey7
Sat Oct 20, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 6129

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: 2815

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 free fall
Replies: 10782
Views: 1886892

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: Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 2058

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: 2594

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: 4221

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.