Search found 14 matches

by JohnnyO
Thu Apr 06, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27810

Re: Low-earners- What is your profession?

I noticed there is a thread asking people making over $100k/yr what their profession is. I often read a lot of threads here where people talk about their portfolios worth over $500k at 26 yrs old, asking about buying houses worth $700k, etc. The last one I read was about a 26 yr old, living the col...
by JohnnyO
Sun Mar 19, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 28217

Re: Early Retirement - what to do about healthcare?

Well this is much like blind gambling.... Retired at 52, this year. I have opted for COBRA for next 18 months which is going to cost $500 a month, pretty solid high deductible plan. The marketplace had plans in my state for a little more say $550 a month with less benefits, but still affordable. I h...
by JohnnyO
Fri Apr 29, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 33156

Re: Is Vanguard phone support always this bad?

Okay, planning on putting my accounts into Vanguard next year, quite interested in this issue as I just heard the same thing from other on an early retirement board. I thought Vanguard was the best, it has been bragged about for years. :confused
by JohnnyO
Sun Feb 23, 2014 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Your strategies, decisions, actions - Retirement 5 years out
Replies: 19
Views: 3390

Re: Your strategies, decisions, actions - Retirement 5 years

Cowboy in Asia, Great post. My wife and I are also sitting approx. six years out from retirement. We began the financial planning years ago and I run a variety of scenarios on spreadsheets from conservative, average, to aggressive every six months to make sure we are still on track and in the zone t...
by JohnnyO
Sun Feb 23, 2014 10:27 am
Forum: Investing - Theory, News & General
Topic: Retirement percentage advice in question
Replies: 9
Views: 1270

Re: Retirement percentage advice in question

And this is why I think this forum is so great. Thank you, each one who responded or your thoughts and advice. I got some great ideas, some I knew of, and some I didn't, and will put into play as we get closer. We have several different scenarios written down for how our financial picture will look ...
by JohnnyO
Sat Feb 22, 2014 11:44 am
Forum: Investing - Theory, News & General
Topic: Retirement percentage advice in question
Replies: 9
Views: 1270

Retirement percentage advice in question

First off, I am normally not a poster but a reader of everyone else's advice which has been incredibly helpful since I joined. A question that has been bugging me for the last couple of years is the retirement advice that you should plan to retire on somewhere between 80 - 100% of your current incom...
by JohnnyO
Sat Jun 29, 2013 9:27 am
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 7744

Re: 25 years today (how long u been on the job ???)

Great thread idea: Same job for 24 years Same spouse for 22 years Investment strategy: We balance our income to be able to enjoy life now but have a secure retirement in the near future. I also try and put enough money in retirement that we are almost living on what our net retirement budget will be...
by JohnnyO
Fri Dec 28, 2012 10:56 am
Forum: Personal Consumer Issues
Topic: Cruise ...Uncertain
Replies: 34
Views: 4009

Re: Cruise ...Uncertain

I usually only read other posts, but this one is right up our alley. My wife and I discovered cruising six years ago and became hooked. We have cruised five times, three Caribbean, one Hawaii, one Mexico from the Pacific. Every one was great. First off go to Cruise Critic and read, and check out the...
by JohnnyO
Wed Nov 21, 2012 9:56 am
Forum: Investing - Theory, News & General
Topic: Grok's Tip #13: But Vanguard will tell you that...
Replies: 71
Views: 10826

Re: Grok's Tip #13: But Vanguard will tell you that...

This post and comments associated with it remind me why I have been an avid Boglehead sponge on this forum for many many months. I read, listen, research, and I validate, and this board is made up of some amazing and brilliant folks from across the country that have a tremendous amount of knowledge ...
by JohnnyO
Sun Oct 07, 2012 9:56 am
Forum: Investing - Theory, News & General
Topic: John Bogle Speaks on Retirement Income
Replies: 63
Views: 7291

Re: John Bogle Speaks on Retirement Income

Mr. Bogle started by highlighting that the retirement income system in America is a train wreck. The focus on speculation rather than long-term investing has played a big role in this. The shift from defined-benefit to defined-contribution puts a lot of pressure on investors, many of whom are not e...
by JohnnyO
Sun Sep 02, 2012 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) question
Replies: 5
Views: 591

Re: 403(b) question

If she is still working for the same employer, she cannot roll the orphaned or grandfathered plan to an IRA before 59.5. She may or may not be able to transfer it into the current vendor's plan if she wishes, but will have to secure that information from the administrators. Thank you Alan, we thoug...
by JohnnyO
Sun Sep 02, 2012 10:22 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) question
Replies: 5
Views: 591

Re: 403(b) question

1. First ask phone rep 2. Ask for superior or compliance officer 3 ask HR department at job 4. Ask vanguard 3.5% interest is good,are you sure/do you want to give that up Just my 2 cents john From one John to another, Thank you, we have current requests into them for info. The HR department is over...
by JohnnyO
Sun Sep 02, 2012 9:44 am
Forum: Investing - Help with Personal Investments
Topic: 457 Rollover while still at job
Replies: 3
Views: 472

Re: 457 Rollover while still at job

I am tagging along on your post as I am facing / asking a similar question on another post about the ability to rollover a dormant and no longer offered 403(b) before leaving the employer.

[The post is at 403(b) question, please respond to JohnnyO's question in that thread. --admin LadyGeek]
by JohnnyO
Sun Sep 02, 2012 9:39 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) question
Replies: 5
Views: 591

403(b) question

I have spent months reading posts on this forum and have come to respect the depth of knowledge shared among the members. Now I find I have a question that I do not have the answer to nor can I simply find an answer to. We have a dormant 403(b) that we started in 1996 through my wife's employer. She...