Search found 44 matches

by Bronko
Mon Sep 09, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3422

Re: Lending to friend to India

You want to consider this little thing called the Patriot Act and the subsequent issues regarding banking and overseas money transfers. I'm not saying it can't be done. Expect headaches and hassles you haven't even dreamed of. Well, I doubt that the poster will be suspected of supporting you-know-w...
by Bronko
Mon Sep 09, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 3422

Re: Lending to friend to India

You want to consider this little thing called the Patriot Act and the subsequent issues regarding banking and overseas money transfers. I'm not saying it can't be done. Expect headaches and hassles you haven't even dreamed of.
by Bronko
Mon Sep 09, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fers ss supplement, Leo question
Replies: 23
Views: 1207

Re: Fers ss supplement, Leo question

I'd highly recommend you get Dan Jamison's FERS guide. He sells a great product. Retired FBI CPA and very knowledgeable. It'll be the best $15 you spend. Also check with your HR department for HRNavigator. They produce a great report broken down to the dollar for after tax payouts. You can include h...
by Bronko
Fri Sep 06, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: A bike tour from Bolzano to Vienna (update: photos added)
Replies: 17
Views: 1454

Re: A bike tour from Bolzano to Vienna (3rd and final report added)

I consider this a solid actionable post. My action will be to leave my dark office this warm Friday afternoon and go ride my bike in the sun. Thanks for sharing!
by Bronko
Thu Sep 05, 2019 3:44 pm
Forum: Personal Investments
Topic: How do you let go of decisions that turned out to be the wrong ones?
Replies: 63
Views: 4718

Re: How do you let go of decisions that turned out to be the wrong ones?

I used to visit a great cigar bar where the owner left a stack of 3X5 index cards and a sharpie in the mens room. The walls were cork board. He encouraged patrons to write advice, wisdom, jokes, and poems then stick them up. The owner would occasionally pull many down to make room and change the pac...
by Bronko
Thu Sep 05, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Entertaining house guests
Replies: 37
Views: 3043

Re: Entertaining house guests

Check the local city, state, and federal park and recreation websites. There are some amazing and free things to do all around the country.
by Bronko
Wed Sep 04, 2019 2:28 pm
Forum: Personal Investments
Topic: Any 1811 on this forum???
Replies: 11
Views: 1483

Re: Any 1811 on this forum???

Trapper wrote:
Wed Sep 04, 2019 8:37 am
Get and read Dan Jamison’s guide on his website. He is a retired Bureau agent and CPA.
His information was accurate and very helpful.
+1
Jamison does and outstanding job. Read it and post the questions.
by Bronko
Wed Sep 04, 2019 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees Group Life Insurance Basic Policy After Retirement
Replies: 18
Views: 896

Re: Federal Employees Group Life Insurance Basic Policy After Retirement

FEGLI is over priced. I keep only the lowest amount offered. WAEPA is absolutely the best option for federal employees. Plus every year I've gotten a significant rebate check. Check it out and save some money.
by Bronko
Fri Aug 30, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 113
Views: 11727

Re: Bucket List Adventures/Activities

DanMahowny wrote:
Thu May 03, 2018 2:58 pm
I completed my bucket list last year at age 50.

Now I just keep a list of people that I want to see die before me.
Damn Dan you need to start a Twitter account and just bust out these gems daily!
by Bronko
Fri Aug 30, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4697
Views: 1205066

Re: What Movie Have You Recently Watched?

Bird Box. Stopped at the 42 minute mark. Sandra Bullock looked too much like Michael Jackson- it was really freaking me out. Couldn't focus of the movie. Too bad because it seemed pretty good. Does she really look like that? On purpose? Dan I have to send you kudos, I was reading some of your posts...
by Bronko
Mon Aug 26, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Crested Butte, CO, Bh's??
Replies: 15
Views: 1285

Re: Crested Butte, CO, Bh's??

I have lived in both places. Feel free to PM me. I echo most of above. CB is cold and isolated. Beautiful and outdoor mecca. Tourists and well off second home people make it difficult. Durango is larger, warmer, isolated, expensive, and has a college to add some culture. Both great places. I would s...
by Bronko
Mon Aug 19, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 10435

Re: Aliens have captured my husband [wants to buy a Porsche]

You say you both have had successful careers. Based upon the way you explained your circumstances one would believe you can easily afford the purchase. Your health and happiness timeline is not infinite. Do you want your husband looking up at you someday (hopefully far away) and saying "I really wis...
by Bronko
Thu Aug 15, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: When to move into retirement
Replies: 72
Views: 5427

Re: When to move into retirement

“I've had a lot of worries in my life, most of which never happened.” ― Mark Twain The way you've written the question makes me think you're not mentally ready. But then you may never be. You could be the kind of person who needs the push off the diving board to understand how fun it is to swim. If ...
by Bronko
Thu Aug 15, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 3580

Re: iPad Pro 12.9 - 3rd Generation

I own this with the larger memory. I bought it at the Apple store. FYI you can now register with Apple for a veteran discount. Small but it helps. I tried the smaller pro first. Both are great but once you have the larger model it is hard to go back. Media is great, you can set it down and move away...
by Bronko
Tue Aug 13, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6795

Re: Are you refinancing now?

I just did 3.25 last week with Lakeview lending. Wow! This is great! I will contact them. Thank you! Hmmm.... - https://i.postimg.cc/x8R1mHgf/lake.jpg Yup. I'm not selling for them. They happened to hold my loan and contacted me for a refi. I gave them a shot and they came through. I'd shop around ...
by Bronko
Mon Aug 12, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6795

Re: Are you refinancing now?

30 year IRRL. No lender fees. Standard title insurance and escrow.
by Bronko
Mon Aug 12, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 6795

Re: Are you refinancing now?

I just did 3.25 last week with Lakeview lending.
by Bronko
Fri Aug 09, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 8847

Re: Critique my exercise routine because it's not working for me

Good info overall here, much of it the same. I would suggest you seek a local coach and sports nutrition professional. Let them know your goals and what you've done. Then try the program for 90 days straight. As we age the body takes more to change and adjust. Under consuming calories can put your b...
by Bronko
Thu Aug 08, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Lender won't give rate with pre-approval
Replies: 11
Views: 682

Re: Mortgage Lender won't give rate with pre-approval

Time to shop for another place to bank. Make sure to tell the manager as you close your accounts.
by Bronko
Thu Aug 01, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 132
Views: 20055

Re: Single People and Retirement Question

After reading through this thread and absorbing the many thoughtful, deep, personal, and enlightening responses, I come to these conclusions: Relationships - Are we talking about single vs. in a couple, or are we talking about the concept of being fulfilled either alone or in a relationship? Travel...
by Bronko
Wed Jul 31, 2019 3:13 pm
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 101
Views: 21042

Re: Retire with Less Than $1 million?

Some people grow up in different environments and seem to miss out on understanding how others have to live. I was lucky, my father was an engineer in the steel industry, fortunately for him the industry survived just long enough for him to retire, and he was a good saver. Looking back we (2 kids, ...
by Bronko
Wed Jul 31, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: 3 Days in Seattle
Replies: 24
Views: 1275

Re: 3 Days in Seattle

Thank you all for the time spent on giving me a go by list. I will be writing these down and compiling a good list by area so I can do as much as possible. Always better to go local in my opinion.
by Bronko
Tue Jul 30, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: 3 Days in Seattle
Replies: 24
Views: 1275

3 Days in Seattle

The lady and I will be taking in Seattle over a long weekend in August. Staying downtown and using Uber or public transportation. I'd appreciate any insight on must see places. So far we will do Pikes market and a ferry to Bainbridge. If you have any great restaurant, cocktail spot, or coffee shop r...
by Bronko
Tue Jul 30, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 132
Views: 20055

Re: Single People and Retirement Question

So many great thoughts on this thread. It's good to read people going deep on the thoughts of the topic. Helps me contemplate the future stories to begin in life.
by Bronko
Fri May 17, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage in Retirement
Replies: 73
Views: 5878

Re: Mortgage in Retirement

I'd do a 6 month CD then if you're not ready to purchase do another for same time period. Protected money and they usually carry penalties if you withdraw before maturity. You could always do several of different value.
by Bronko
Thu May 16, 2019 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage in Retirement
Replies: 73
Views: 5878

Re: Mortgage in Retirement

Thanks for the replies. I appreciate the comments regarding sequence of returns risk. This is one of my main concerns as I enter retirement. I’m currently in process of changing asset allocation from 60/40 to 40/60 to partially address. I guess any reduced ability to accommodate a negative series o...
by Bronko
Thu May 16, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage in Retirement
Replies: 73
Views: 5878

Re: Mortgage in Retirement

Thanks for the replies. I appreciate the comments regarding sequence of returns risk. This is one of my main concerns as I enter retirement. I’m currently in process of changing asset allocation from 60/40 to 40/60 to partially address. I guess any reduced ability to accommodate a negative series o...
by Bronko
Mon Apr 29, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 14718

Re: Tequila and Magaritas

Definitely prefer the simple shaken margarita, possibly with a large ice cube to keep it cold on a hot day. If you're avoiding the sugar and maybe on a health kick google "Norcal margarita". It's a very refreshing drink. There is also the Paloma which is tequila mixed with Squirt, club soda, and lim...
by Bronko
Mon Apr 29, 2019 2:13 pm
Forum: Personal Investments
Topic: So, I want to Retire - Help ?
Replies: 51
Views: 8361

Re: So, I want to Retire - Help ?

I believe you are looking at this more in the Personality driven vs. Reality driven realm. You obviously have plenty, but do you have the desire to walk away from the game and live your life knowing you won't be in the accumulation phase? My two cents (and it's worth precisely that) get on with livi...
by Bronko
Fri Apr 12, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 6752

Re: Soon to be dad, how to prepare

So much good information already. I'll agree Britax is made like a piece of iron. Very safe seat, I've seen it first hand. Buy used clothes and baby/toddler gear. No one will know but you and it'll still be like new when you get rid of it. Spend twice the time and half the money on the kids. Start a...
by Bronko
Thu Mar 28, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 43952

Re: Anyone disenchanted with retirement?

So my question is this: how did you all factor in the unknown risks of “black swan” terminal health events, vs the benefits of a larger retirement nest egg? I’d feel awfully foolish if I spent 7 or 8 years working to make firecalc happier only to get unlucky health wise. I'm happy you bring that up...
by Bronko
Mon Mar 18, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 62
Views: 4496

Re: Slow cooker vs Instant pot........

Instant pot does both.
by Bronko
Fri Mar 15, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Another Can I Retire Question
Replies: 27
Views: 2734

Re: Another Can I Retire Question

I have shared the same stress you describe. I waited for things to change and tried to stick it out. I paid a personal price for doing so. Knowing what I know now, and reading what you have noted as your finances, returning to a happy location with strong foundation, and having a twelve year old who...
by Bronko
Wed Mar 13, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 69
Views: 10651

Re: What are your personal experiences with downside of early retirement?

I retired in early 2008, age 55. Over the course of the next twelve months, I lost half my life's savings in divorce and close to half of what was left in the market crash. It was the best decision of my life. Go on... OK, I will try to summarize why I said what I did..... 1. As much as I loved my ...
by Bronko
Thu Feb 28, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 9376

Re: How do YOU make coffee?

Burr grind whole beans from Costco every morning. Electric kettle the water to boil and use a french press. Takes a few extra minutes but the taste is great and cost is right.
by Bronko
Thu Feb 21, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3187

Re: Car Rental in Mexico

I booked through Costco. When we got there the Alamo agency had closed. The Hertz agency next door offered to rent me a car at triple the price. I contacted Alamo and found them to be much less than helpful. I finally called Costco international travel and got the help desk. At the end of the day t...
by Bronko
Thu Feb 21, 2019 11:58 am
Forum: Personal Investments
Topic: Should I keep money in TSP long term?
Replies: 66
Views: 3034

Re: Should I keep money in TSP long term?

Don't close the TSP or you can't get back in.

I wouldn't leave the benefits of TSP. Remember the new rules come into effect soon. This will allow many more options of control and withdrawal options which were the primary reasons for individuals leaving the TSP to begin with.
by Bronko
Thu Feb 21, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3187

Re: Car Rental in Mexico

I booked through Costco. When we got there the Alamo agency had closed. The Hertz agency next door offered to rent me a car at triple the price. I contacted Alamo and found them to be much less than helpful. I finally called Costco international travel and got the help desk. At the end of the day th...
by Bronko
Fri Jan 25, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Your Thoughts on Gov Shutdown for Gov Workers
Replies: 25
Views: 1501

Re: Your Thoughts on Gov Shutdown for Gov Workers

The banks aren't really widely offering free loans. You have to call them, approvals are case by case, and terms aren't spelled out anywhere for any I have seen. They are entitled to unemployment insurance and backpay. Unemployment is a reduced payment that will have to be paid back. My opinion is ...
by Bronko
Tue Jan 15, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pick a retirement date. Or enough is enough?
Replies: 33
Views: 4382

Re: Help me pick a retirement date. Or enough is enough?

The money is good to go. Think of it another way, will your life and health improve as you age? Most likely not. I would move on to other pursuits while my health was good and not look back.
by Bronko
Thu Dec 20, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache, SWR, and equity allocation
Replies: 524
Views: 41609

Re: Mr. Money Mustache, SWR, and equity allocation

Two years ago, a 30 year old at my workplace announced he was retiring. He held a lunchtime session where he mentioned MMM, 4% rule, and Roth conversions. That one lunch changed my life. I started reading MMM which led me to Bogleheads, blogs, and YouTube finance videos. I finally analyzed my inves...
by Bronko
Tue Dec 18, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20947

Re: Favorite Purchase of 2018?

Indoor infrared sauna. Used almost daily for the health benefits. I've found I'm sleeping better and noticing a reduction in stress. Expensive but you only go around once. Hopefully this extends the ride......
by Bronko
Tue Dec 04, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6845

Re: Advice on Divorce Settlement Options

Billy, You're obviously intelligent and know what you have in store. I would recommend "The 10 stupidest mistakes men make when facing divorce" Joseph Cordell. Quick read and lays out solid tactics on the business transaction of divorce. The other part is that while she has a high dollar attorney an...
by Bronko
Tue Dec 04, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Divorce Settlement Options
Replies: 51
Views: 6845

Re: Advice on Divorce Settlement Options

+1 on the point of getting numbers in front of her. The lump sum may blind her to the payout benefits over time. Having been there, it's better to not have the monthly reminder of seeing cash go out to the person who left you. This is one of the hardest things in life to deal with. Upside is time wi...