Search found 85 matches

by gamboolman
Tue Aug 20, 2019 3:53 am
Forum: Personal Investments
Topic: I'm signing up for Vanguard PAS...
Replies: 40
Views: 4308

Re: I'm signing up for Vanguard PAS...

ljr Thanks for posting this. ms gamboolgal and I are in a similar situation as yawl. We are going to sign up the the VG advisor PAS. We are planning to retire at years end and we need some help with the movement of monies from Mega Corp to our accounts at VG. We have the simple 3 fund portfolio and ...
by gamboolman
Mon Jul 15, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Bathtub Mat Recommendation
Replies: 17
Views: 1096

Re: Bathtub Mat Recommendation

Bleach
We take them to Hotels and usually forget them
My dad fell in shower at hotel
So I’m sensitive
by gamboolman
Wed Jul 10, 2019 12:56 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8973

Re: Who cuts your hair? And for how much?

Similar to bampf, I will tip for good service
I give the lady a $50
I think the haircut is $25
by gamboolman
Thu Jul 04, 2019 7:09 am
Forum: Personal Investments
Topic: Got more than enough for retirement. What to do now?
Replies: 42
Views: 4091

Re: Got more than enough for retirement. What to do now?

In your position, I would keep working if I liked my job. More accumulation would allow us to safely enjoy a nicer lifestyle in the future. I would balance my current savings between safety and growth . For me that would mean an allocation of 50/35/15. I could sleep at night with that allocation, r...
by gamboolman
Sat Jun 29, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 53
Views: 3591

Re: Outdoor Fire Pit - Wood vs. Gas?

Interesting responses and perspectives in this thread. As a native East Texan who has worked the oilpatch for near to 42 year - I'm glad folks like and use natural gas. But where I'm from most folks use wood for their fire pits and BBQ pits and Smokers.... I have many fond memories of cooking and wa...
by gamboolman
Mon Jun 10, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7399

Re: Do you drive old cars for long distance travels?

2006 Honda Accord with ~151K miles on it.

We drive it anywhere we want to go.

We also maintain our vehicles properly.

Anything can break down though. So best to have a spare and know how to install it, jumper cables, etc.
by gamboolman
Sat Jun 01, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Tracking down a wasp nest
Replies: 20
Views: 1898

Re: Tracking down a wasp nest

TYJ - where I growed up in East Texas, it was hornets alot of the times that was underground. We had a lakehouse with a pier and boathouse and we had big mean red/black wasps. They was mean and aggressive, and hurt when they stung you. They would build in our boathouse alot. This was before them can...
by gamboolman
Sun May 19, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5886

Re: Aiming to Retire End of 2019 - Abit Scared

If I die, The pension is 100% survivor for ms gamboolgal
Until she passes
Pension is NCOLA
by gamboolman
Sun May 19, 2019 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5886

Re: Aiming to Retire End of 2019 - Abit Scared

Thanks to all for the replies, comments and advice. I've tried to respond best I can with limited pooter skills. We really appreciate the feedback. It seems like you have enough, but I don't know how generous or tight your 126k budget is. Budget is fat and we can cut back a good bit. Do you have any...
by gamboolman
Sat May 18, 2019 4:17 am
Forum: Personal Finance (Not Investing)
Topic: Aiming to Retire End of 2019 - Abit Scared
Replies: 45
Views: 5886

Aiming to Retire End of 2019 - Abit Scared

We are planning to retire from International permanent resident expat assignment for megaoil corp effective 1-Jan-20 after almost 42 year of working the oilpatch. Emergency funds: Yes, ~2+ years, $300K in MM account Debt: None. Home: We have kept our home in Texas. It’s paid for and heavily upgraded...
by gamboolman
Wed Apr 17, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 143
Views: 14254

Re: What is your hobby and how did it come to be your hobby?

For ms gamboolgal and I this is a great thread and is inspirational to us. As I endure the remainder of the year until I retire effective 1-Jan-20 after working overseas for the last ~17 years, I have pretty well not had any hobbies as we work 7 days a week in the oilpatch. After over 40 years in th...
by gamboolman
Wed Apr 10, 2019 12:26 am
Forum: Investing - Theory, News & General
Topic: Growth More Popular Than Value?
Replies: 8
Views: 1328

Re: Growth More Popular Than Value?

UpperNwGuy wrote:
Tue Apr 09, 2019 8:31 pm
I invest in the total market and ignore the concepts of growth and value. Life is easier that way.
What UNG said

Not being funny- what UNG said is good advice
by gamboolman
Fri Apr 05, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 12434

Re: Is our household budget crazy?

OP
Your budget is very reasonable- at least to ms gamboolgal and I

We’re planning to retire at end of this year and we have very similar numbers

We know we have a lot of discretionary monies that we can trim if need be
by gamboolman
Sat Mar 30, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 11136

Re: Paying "early" on mortgage may be unwise

6 one and half a dozen the other Been reading the Pro's/Con's forever. We paid off our house about 10 years ago. For ms. gamboolgal and I that was a major life achievement. As we prepare for my retirement at the end of this year - not having a house payment is wonderful. As others have said, it is a...
by gamboolman
Sat Mar 30, 2019 6:05 am
Forum: Investing - Theory, News & General
Topic: The real impact of inflation on Retired Folks?
Replies: 101
Views: 8319

Re: The real impact of inflation on Retired Folks?

Inflation concerns us alot also. We are getting ready to retire end of this year. We have the option from mega corp of a NCOLA Pension or taking Lump Sum. Even though the pension pays almost a 5.94% return on the amount of the Lump Sum - it's not COLA..... We will take the Lump Sum because of being ...
by gamboolman
Sat Mar 30, 2019 12:11 am
Forum: Personal Investments
Topic: Age in Bonds?
Replies: 38
Views: 4074

Re: Age in Bonds?

bc We used FIRECalc, Portfolio Visualizer, I-orp, the ole homemade spreadsheets, etc....... to run many scenarios of different asset allocations for our retirement criteria, i.e., our nest egg and estimated expenses vs the different AA's. For us and our situation: Age 59 and planning to retire at en...
by gamboolman
Thu Mar 28, 2019 1:12 am
Forum: Personal Investments
Topic: 60/40 now or closer to retirement?
Replies: 32
Views: 3834

Re: 60/40 now or closer to retirement?

Getting ready to turn 60.
Planning to retire at the end of this year.
Over the last 5 year we have eased our AA to ~55%stocks 40%bonds & 5% cash
We have 2 to 3 years in cash for the “sleep good at night monies “
But that’s just us
Life’s A Dance And You Learn As You Go
Gamboolman....
by gamboolman
Mon Mar 25, 2019 12:32 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 77
Views: 7367

Re: Recommend a good SOCK. Yes, I said SOCK!

Hate to necropost, but I've been meaning to write since September (aside: sigh). Wanted to add Fox River socks to the list. American made and excellent. Also make the original Sock Monkey! And I think they supply the military with some socks too. Look forward to trying Darn Tough ... Fox Socks for ...
by gamboolman
Mon Mar 25, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - hypothetical
Replies: 58
Views: 5828

Re: Early retirement - hypothetical

Your in the make hay while the sun is shining mode - imho

Kids and babies.....You have expenses coming in big chunks.....

Save now, work hard for the next 15 to 20 years. Then look at it again

Take some long weekends, some nice vacations....

Go back to work
by gamboolman
Sun Mar 10, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Will and trust....software or attorney?
Replies: 41
Views: 3224

Re: Will and trust....software or attorney?

Sandtrap wrote:
Fri Mar 08, 2019 10:26 pm
Seek highly qualified legal counsel.
For substantial wealth or complex family dynamics, etc.
Definitely seek legal counsel.
j
What Sand said AIAEC
At least for Ms gamboolgal & I the money spent for attorney fees was well worth it
Life’s A Dance and You Learn As You Go
gamboolman
by gamboolman
Sun Mar 03, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Large One-Time Expenditures in Retirement
Replies: 24
Views: 2644

Re: Large One-Time Expenditures in Retirement

Firecalc allows you to input some big one off spends or adds

These expenses will occur - as we all know, e.g., house maintenance, vehicles, medical and the dreaded Kitchen Upgrade.... :moneybag
by gamboolman
Sun Mar 03, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8697

Re: Priority boarding - Why?

They should make everyone remain seated until their row is deplaned. It would make things much calmer and probably move faster. How can you force someone to remain seated? Just as you instruct them to get their seat belts on, straighten their seat etc. By announcing.. Yes to above !! Sadly people a...
by gamboolman
Sun Mar 03, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How much does owning vehicles (cost/month)
Replies: 53
Views: 3995

Re: How much does owning vehicles (cost/month)

gamboolman, AKA - Bank of Dad here..... Feel like a fleet manager sometime with the kids.... We buy vehicles new and drive them for 10 to 15 years. We do maintain them properly. Yes we have bought the vehicles for our young adult kids.....Is this wise.....really a moot point for us. We budget about ...
by gamboolman
Sun Mar 03, 2019 6:16 am
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 15056

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

Glad to see so many mentions of accounting for income tax and capital gains. Not so many mentioning cost of living changes over 30 years--different costs will change at different rates, as will your allocation of spending. Also a lot of these responses not mentioning healthcare costs. And so many a...
by gamboolman
Sat Mar 02, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: When were you convinced that you had more than enough money?
Replies: 117
Views: 11904

Re: When were you convinced that you had more than enough money?

We’re squarely in paralysis by analysis mode now
We’re planning to retire anytime from now - just not right now
Life's A Dance and You Learn As You Go

gamboolman....
by gamboolman
Sat Mar 02, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8697

Re: Priority boarding - Why?

Overhead storage unless you are in Business Been working international oilpatch 17 year Airlines Do Not enforce size and quantity rules for carry on items I hate travel by air Come retirement at end of this year- Ms gamboolgal and I hope to never get another stamp in our passports again But thats ju...
by gamboolman
Sat Mar 02, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 15056

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

Edited to add - we use FIRECalc to run our basis with 3% inflation, and discounted Social Security to 75%. On the Healthcare monthly cost shown - it is almost 200% higher than our monthly cost now as we approach taking retirement. We will keep megacorp insurance in retirement. We also use IORP and o...
by gamboolman
Wed Jan 23, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: Retirement readiness checklist.
Replies: 43
Views: 3916

Re: Retirement readiness checklist.

pop77 We are aiming to retire at end of this year. So we have been going through the same estimates and exercise. Looks like you have a good approach that you are using. As many others have said - get expenses realistically and honestly identified and defined. There are many good online calculators ...
by gamboolman
Sun Jan 13, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4647
Views: 1198370

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: 13675

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: 8845

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: 2412
Views: 435421

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: 8210

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: Personal Investments
Topic: Budgeting for unexpected and capital expenses in retirement
Replies: 15
Views: 1176

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: 3015

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: 2412
Views: 435421

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: Personal Investments
Topic: Asset Allocation during retirement and Safe Withdrawal Rates
Replies: 22
Views: 4781

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: 5545

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: 15362

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: 10070

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: 1164

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: Personal Investments
Topic: Lump sum vs pension
Replies: 14
Views: 1666

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: 189
Views: 27316

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: 1314

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: 4814

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: 198
Views: 18639

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: 2345

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: 5983

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: 128818

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