Search found 57 matches

by gamboolman
Sun Jan 13, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4043
Views: 1101039

Re: What Movie Have You Recently Watched?

The Veteran
Do recommend
by gamboolman
Wed Jan 09, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 12564

Re: Recommendations for a 9mm handgun

If first handgun, I suggest you consider Smith & Wesson revolver. Model 642 or 442 If you want pistol then I recommend Glock 26 for concealed carry. Glocks have no manual safety and you need to be comfortable with this. For pistol with manual safety- there is many excellent choices I like Sig Sauers...
by gamboolman
Sun Jan 06, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8230

Re: What Do You Spend The Most On Annually?

%'s shown are Net Dollars We still help out our grown adult kids :oops: - and that is coming to a screeching halt as we are planning to retire end of this year, 31-Dec-19 We are planning to cut this budget in retirement by 25% to 30% minimum as we know these numbers are way too high. Oversea's Budge...
by gamboolman
Sun Jan 06, 2019 8:16 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2270
Views: 398069

Re: What are you up YTD? [Year To Date]

Our portfolio value decreased about ~7.5% in 2018 :(

For 2019 up ~1.7% :happy
by gamboolman
Sun Jan 06, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7750

Re: United, American Airlines, Delta--about the same?

We are currently flying Delta to/from Africa - Nigeria 2 or 3 times per year in Economy Plus over the last couple of decades to/from Texas. Other airlines to/from Equatorial Guinea, Chad, Angola, they all are not pleasant. Cliff Notes of below rant = We hate Air Travel and vacationing overseas :thum...
by gamboolman
Mon Dec 31, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Budgeting for unexpected and capital expenses in retirement
Replies: 15
Views: 1106

Re: Budgeting for unexpected and capital expenses in retirement

Prior to our retirements, I've tracked spending for several years, and noticed there were regular expenses (utilities, food, gas, insurance, taxes, healthcare), and infrequent, larger, one-offs (new car, new AC/furnace, new iMac, new granite kitchen counter tops). So for retirement, I budgeted we w...
by gamboolman
Mon Dec 31, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a family SUV.
Replies: 63
Views: 2514

Re: Looking for recommendations on a family SUV.

We’re leaning towards Accura MDX
Suggest you drive them all as some just feel better to you
by gamboolman
Sat Dec 22, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2270
Views: 398069

Re: What are you up YTD? [Year To Date]

Down about 10% for year
About 58/42 AA
Hang tuff

Corrected to down about 4.8%
by gamboolman
Mon Dec 03, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation during retirement and Safe Withdrawal Rates
Replies: 22
Views: 4312

Re: Asset Allocation during retirement and Safe Withdrawal Rates

We’re currently about 60/40 but moving towards about 45/55 ish for retirement end of next year at age 60

Withdrawal rate between age 60 to 67 estimated to be ~4 to 5 %
After 67 and starting SS it will go to ~3 to 4% ish
by gamboolman
Mon Dec 03, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5289

Re: Do you get a year end bonus?

Oilfield 40+ year
Your job is your bonus :beer
by gamboolman
Mon Dec 03, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 14535

Re: Retirement itch- when did you get it?

I was 52 when i found BH’s & Early Retirement forums

Read & studied up

Now 59 and plan to go to pasture end of 2019

Very appreciative of all the good advice
by gamboolman
Wed Nov 28, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8993

Re: How did YOU choose your career?

Grew up in oil patch town in East Texas Went to work in the oilfield 41 year ago because it was good money for a non 4 year degree man. I was 18 year old. Planning to retire in 2019 It’s been a good living for Ms gamboolgal and I It seems like a short while ago I bought my first pair of steel toed R...
by gamboolman
Tue Nov 27, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: FIRE calculator questions
Replies: 4
Views: 1116

Re: FIRE calculator questions

What Silk said
For Firecalc you need to account for taxes in your spend
State and Federal
by gamboolman
Thu Oct 11, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs pension
Replies: 14
Views: 1547

Re: Lump sum vs pension

Is the pension COLA?

Inflation scares me

My pension is not COLA so I’m pretty sure I will take the lump sum
by gamboolman
Tue Sep 25, 2018 8:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 187
Views: 25700

Re: Vanguard - You'll need to sign up for security codes soon

Thanks KK for posting this.

We work in the oilpatch and live in Nigeria - the SMS will not work where we are quartered at.

We called VG and have opted out.

As others have said, VG has many clients with this issue and VG will let you opt out if you choose to do so.
by gamboolman
Wed Aug 08, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: Croatia or Mallorca?
Replies: 7
Views: 1164

Re: Croatia or Mallorca?

We have been to Mallorca only
Love it
You have good “problem”
by gamboolman
Sat Aug 04, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4505

Re: Ticks and common sense?

This is a interesting topic to me as I grew up in East Texas and was in the woods all the time as kid before I turned 18 and went to work full-time in the oilpatch. Thousands of tics and red bugs, skeeter, deer flies, bugs and creepy crawlies. We killed game and cleaned it without gloves for all the...
by gamboolman
Fri Jul 20, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 14619

Re: New Vanguard Security Code Requirement

I currently live overseas and don't have an American number, does this mean that I need to get one? How are accessing Vanguard from overseas today? By simply logging in. I'm guessing the easy fix once it's mandated may be using an app that gives me a U.S. phone number. Are you on VPN? Vanguard is k...
by gamboolman
Sat Jul 14, 2018 12:47 am
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2262

Re: How much does your accountant cost?

I think $600 or $700 per year.

But that is to prepare our oversea's income taxes.

We could have this done by Megacorp at zero cost - but I prefer to have our CPA prepare our income taxes and to submit to Megacorp.

Just my choice.
by gamboolman
Wed Jun 13, 2018 12:44 am
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5728

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Congrats
Ms. Gamboolgal and I celebrated by opening up all the windows and turning on the fans to air the house
by gamboolman
Mon Jun 11, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 116602

Re: Anyone regret paying off mortgage early?

Nope paid off 3 or 4 years ago
Paid off and it feels good
Sleep great knowing we don’t have mortgage next year when I retire
by gamboolman
Fri Jun 01, 2018 1:09 am
Forum: Personal Consumer Issues
Topic: Car with best smell, pollution and noise insulation
Replies: 24
Views: 2258

Re: Car with best smell, pollution and noise insulation

For noise there are rankings online. Try this for starters: http://www.auto-decibel-db.com/ For a stress-free drive, full adaptive cruise control is a must. Look for cars that can do this. Start here: https://en.wikipedia.org/wiki/Autonomous_cruise_control_system#Vehicle_models_supporting_adaptive_...
by gamboolman
Sat May 26, 2018 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 18326

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

81 We had almost same interest rate and amount owed. Paid it off 4 year ago and no regrets. It’s a personal choice and you can make your head explode doing the analysis until you get paralysis. For ms gamboogal and I it was best decision as we plan to retire next year. We have no debt and that is a ...
by gamboolman
Tue May 22, 2018 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 13152

Re: Chase Savings Account emptied out!

I don't understand why banks don't send you an email that says "Please log in to confirm/deny new electronic transfer" when an ACH request comes in from a new source. Because the financial world would come to a stop. Literally tens if not hundreds of millions of transactions every day. Cheers Actua...
by gamboolman
Sat May 19, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 29
Views: 1938

Re: Nephew graduating high school & joining military. Gift Ideas?

This is a extremely strong and functional knife. It is a tool. Esse 5
by gamboolman
Sat May 19, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: Vanguard Steering Community - legit or scam?
Replies: 7
Views: 1498

Re: Vanguard Steering Community - legit or scam?

Thanks OP for posting this.

We were scared we had fell for a scam... As we got the same email and clicked all the links. But too late wondered if it was real.

Changed our VG Account Name, PW's, Challenge Questions, etc. Which is a good idea to do.
by gamboolman
Wed Apr 18, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 6630

Re: I want to pay off my mortgage. Am I crazy?

We paid ours off
It is a wonderful feeling to have no debt
by gamboolman
Sat Apr 07, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Need new bedroom furniture
Replies: 23
Views: 1665

Re: Need new bedroom furniture

Strongly suggest getting what the wife prefers
I have personal experience on exact subject
by gamboolman
Sun Feb 25, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Military FIRE; 7 years to go & losing motivation--HELP!
Replies: 36
Views: 4158

Re: Military FIRE; 7 years to go & losing motivation--HELP!

PMM, Thank you for your service. :beer I would advise you to hang tuff. That 20 year pension and benefits is a huge goal and worthy of you hanging in to get it - IMHO. Ms. gamboolgal and I are 40 years in the oilfield and we moved house 14 times the 1st 20 years. You go to the job. We have been perm...
by gamboolman
Fri Feb 16, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 40
Views: 3729

Re: Good brands for Kitchenware?

We sure like All Clad and Lodge for Cast Iron
by gamboolman
Mon Jan 08, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Attitude about growth in career when you are within 10 years of FI
Replies: 15
Views: 2364

Re: Attitude about growth in career when you are within 10 years of FI

If you were within 3 years of FI then winding down would make sense. 10 years is another matter since it's a long time to put yourself on the back burner and much can happen to your investments during that time. I suggest more open-mindedness on career growth and opportunities for the foreseeable f...
by gamboolman
Thu Dec 07, 2017 10:29 pm
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1452

Re: National Pearl Harbor Remembrance Day

God Bless all of our Veterans from all the wars. Thank you for your sacrifice. My wifes father and her 3 uncles all fought in WW2 in both theaters. Her Daddy was in the 101st from Normandy until the end of the war. They all made it home. 16-Dec will be the anniversary for the start of the Battle of ...
by gamboolman
Sat Oct 21, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 3020

Re: Best no sweat athletic/work socks

Fox River Socks

Made in America. I have worked in the oilfield for 40 years and there socks are the most comfortable I have ever used. Normal to be on steel deck, grating, checker plate for 12 or more hours per day.

They have all kinds of wool and blends and different types for different uses.
by gamboolman
Sat Sep 23, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for mid 50 age group
Replies: 35
Views: 5139

Re: Asset Allocation for mid 50 age group

Age 58 planning to retire at end of 2019
Current AA is 67 % equities, 30% Bonds, 3% cash
Moving towards ~ 55/40/5 ish.......
by gamboolman
Sun Sep 03, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 6349

Re: Best lubricant for exterior door locks

jadedfalcons wrote:
Wed Aug 30, 2017 6:03 am
Graphite is the best for locks. The tubes of dry are easy to find, and sometimes you'll also come across it in a small spray can with red straw.

Graphite is best

EZ game....
by gamboolman
Sun Aug 20, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 14524

Re: Anyone planning on never retiring?

[some OT comments were removed - moderator prudent] 864 days to go - God Willing until I retire...... Upon target retirement date - the dear wife, AKA Ms. gamboolgal and I will have boarded Business Class from Lagos, Nigeria on our last ever VOLUNTARY International Flight......... God Willing we wi...
by gamboolman
Sat Aug 19, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 116
Views: 13970

Re: Non-fiction bucket list

With The Old Breed: At Peleliu and Okinawa
By E. B. Sledge

The Federalist Papers

Six Years with the Texas Rangers, 1875 to 1881
By James B. Gillett

Two Years Before The Mast
By Richard Henry Dana

A Rifleman Went To War
By: Herbert W. Mcbride
by gamboolman
Sat Aug 19, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Poker Software
Replies: 11
Views: 1948

Re: Poker Software

As GoodListner suggested - Play online for pennies. You will learn much faster. Live poker is different game - just let the Dealer know your new and learning and they will help you as much as allowed. I love playing poker for fun and have been since the 90's when we started playing along the Gulf Co...
by gamboolman
Thu Aug 17, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 9810

Re: How useful is a home security system?

We have Zombie Bars up, AKA Burglar Bars....on all windows
Have Hardened doors.
Anyone getting in will take some time and make a helluva racket doing it.....loud enough to wake your slumbering son....
We live in Texas - Thank God... We don't dial 911
Image
by gamboolman
Thu Aug 03, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 714
Views: 92053

Re: A poll: How much money do you need to retire?

58 and plan to retire at age 60.

On track to have ~$3.3M at retirement

100% with Firecalc for our desired estimated annual expenses.

This gives us a good bit of room to cut way back if need be.

We plan on 75% of Social Security that we are due.
by gamboolman
Thu Aug 03, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 11480

Re: Burned out at 28. Do I have enough?

PJ, No you don't have enough. And at age 28 your not burned out pawdnaahhh at least in my humble opinion. As others have said, and I agree, your single and do not have a family.....yet. Now is the time to get some hankerings out of the way....travel cheap, chase the ladies, play some pokerzzz, dive ...
by gamboolman
Sun Jul 09, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 12342

Re: Last 80 minutes of my career

Well done sir ! I'm just about 2-1/2 years behind you.....reading posts like yours help me to "Cowboy Up" and grind it out. Similar to you starting at age 15, I started paying into Social Security at age 16 and have not missed a year since.... All the best and enjoy the time - you have earned it sir...
by gamboolman
Tue May 30, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: blackout curtains
Replies: 19
Views: 3529

Re: blackout curtains

I have worked in the oilfields for 40+ years. Redneck & Oilfield Trash jokes aside...... :oops: When I was working Morning Tour (nights) - Use Tin Foil to line your window with. You will get total black darkness if there is no other light source to the room. Only problem with this method is that it ...
by gamboolman
Sun Apr 16, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 28
Views: 4042

Re: Budget multitool knife

Leathermans Been using them for near to 30 years in the oil patch.... If you need more than your Leatherman......you need a tool box ...... before I got my 1st Leatherman, I carried knife, Crescent, Slip Joint Pliers, Flat and Phillips in my pockets.... Then just a leather man.... Just my personal o...
by gamboolman
Sun Jan 08, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 34207

Re: Annual Vacation Budget

We could not afford vacations while the kids were growing up. It was near to age 50 before we could take vacations. Now we budget and spend $25K to $35K per year. It still makes me take pause - but my wife plans them and we go....and I have a great time and am always glad she does this. It is not ch...
by gamboolman
Sun Dec 25, 2016 6:10 am
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 10899

Re: My Christmas Gift to You.

Thank you for your service.

My father in law, Mr. J.L. Beam was in the 501 PIR and was there at Bastogne also.

Mr. Beam passed away in 2008 and we miss him very much.
by gamboolman
Thu Jul 07, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Hoping for an early retirement
Replies: 29
Views: 5221

Re: Hoping for an early retirement

Mr. Metal, I can really empathize with the being well done with work. I'm ~3 to 4 years out and I am crispy and so ready to pull the plug, but need to work to build up the funds... All have given excellent advice. I would really recommend that yawl get a good handle on your expenses - be honest and ...
by gamboolman
Sat Jun 25, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 14913

Re: Good Deal on a Pocket Pistol

You might want to consider S&W J-Frame 5 shot revolvers in 38 special or 357. The Sig Sauer P-938 Equinox in 9mm is small and has a manual safety. This is what the wife carries. My everyday CCW is a G-26. For pocket carry Raven makes a trigger guard that I use. But I rarely pocket carry my G-26 as i...