<< Back to all Blogs
Login or Create your own free blog
Layout:
Home > Category: 403 doings
 

Viewing the '403 doings' Category

I know how Voyager feels

September 18th, 2013 at 09:43 pm

You might know that I love following space flights. Perhaps you've heard that Voyager 1 reached interstellar space. What you might not have known is that it reached it about a year ago ... some measurements seemed to tell scientists they were there, some didn't and that's what caused the confusion. Its not like there was a big ol' sign like you see on the interstate.

So it seems to be with financial freedom. One kind of thinks that if they had $xM, then yes. But really, who knows? You could be there or several years out.

The raise kicked in, but I don't think its particularly enough. I'm going to back down my 403B contributions - they will still be quite high, and I will easily get all the match.

This evening I also got a letter for another vaccine study. I had a good experience with the previous one, and the payment for participating is quite nice ($540). I think I will collect more info.

raise

September 12th, 2013 at 08:38 pm

Tomorrow I get paid (actually its the 15th, but we get paid the first business day beforehand). HR assured us that the raise starts this paycheck. 3%.

The timing is good - I have about 10 days to figure out whether I should back down my 403B contributions.

Seattle Greek fest this weekend. Time to stock up on good olive oil.

Yesterday I got a good haul in the Coinstar machine. Plenty of Canadian, which suits me fine because I might go up in the next few years. When I do, and I have a nice coffee, I will think fondly of the Coinstar machine.

My intimate emergency fund is growing - its at $10.54 and its been two months. I might not be logging my found money in, but I have been keen on finding it.

403B musings

August 27th, 2013 at 10:09 pm

Okay, last time. I wrote two novels of entries and lost them both.

Right now with the third month in a row of feeling the frugal burn, I'm seriously considering backing down the 403B contributions. I'm at socking in 20% of my salary, am thinking of backing it down to 15%, and I max out the match at 8%. I'm not going to go that low.

I have until the end of September to think about it. Plus, I'm getting a 2% raise sometime in late September/October. I might grit my teeth and complete the year at 20%.

feelin' the frugal burn

July 14th, 2013 at 06:57 pm

Gremlins ate my post, so this will be quick and less literate.

Tomorrow is payday - I had $60 to work with from Wednesday. I had a confluence of mortgage payment, COA monthly fee, and the (hopefully) last payment for kitchen, so I had to pull from my most immediate savings fund. At least I had it.

At work, the 403B switched out 2 funds and picked up 3 new ones. A couple of dividend funds to invest in there at last, along with a real estate fund to spice things up. I did a little adjusting to put a little bit into the new funds.

Have hit the gym twice last week and twice last week the week before. Soon it will be a habit again. I've been cycling between 170 and 177. Would be nicer if it begins to drop but it doesn't rise, well that's a win too.

Several milestones

May 28th, 2013 at 09:35 pm

In addition to the 50K Drp stock portfolio, I also passed 200K in the 403B.

For a more intimate milestone, in the past 4 years that I've been picking up change, I'm about to hit $300 in change acquisition. And that's counting silver dimes as dimes, not melt value.

sailing along

February 27th, 2013 at 01:29 pm

So this is third try at a blog post. I don't know why they aren't getting captured...

Last couple of weeks I've been in saving mode and it feels great. looking forward to payday tomorrow, though. I backed off my 403B contributions to about 20% or 10K annually. I might have to back them off a bit more depending on how my regular spending settles out. FWIW, I capture the full match at 8%, and I contribute my 6K to my Roth annually so I will still be saving a lot, just not a lot a lot.

Decided on the sink and faucet choice, made a choice for a slide in stove, and am looking at flooring, signed the construction agreement with the contractor and contractor has ordered the cabinets and open shelving. Its on, its just that work will start when the contractor knows the cabinets are coming within two weeks.

I've been working on a project for the condo board - developing a welcome packet comprising of a FAQ about the condo, a Lake City Chamber of Commerce business guide, a kicky map of north Seattle, and current transit guides. Nothing too fancy, but something to have in hand and talk about when one knocks on the door to a new owner's condo.

First hit of the FCC. Spondilucks had Van Clyburn.

calm before the storm

August 16th, 2012 at 08:45 pm

Its been 10 days since I last wrote. Not that much has happened:

Got evaluated at work, and did smashing. I did read though that our medical insurance is going up double digits so who knows if a smashing evaluation translates into a raise.

Did the Gumshoe but did not win. Paulette did the Gumshoe and she did not win. We made plans next year to do the Gumshoe together ... and not win.

Working on the mosaic business numbers. Am about 30% done. Don't know if I'll get them done before Argentina, but we will see. Went online to vistaprint and did up a $10 box of business cards.

Got the first notification of what our 403B fees are or will be, with a lunch meeting about it next week.

KO split on Monday. 246 shares. Yippee!

Been hotter than blazes lately up here in the northwest corner. In addition, I've been averaging 2-3 hot flashes/day.

But all in all, it feels like the calm before the storm. I don't think the storm will happen before the Argentina trip, but mostly after. And by a "storm" I mean a complete change in my routine. Things feel different, like the routine that I have I will not have too much longer.

I do have one change already - my current trainer left the gym and I have to decide whether the new spot is convenient enough that I can work it, namely get there by public transit within 15 minutes. If not, I think I will see if and how I can get by with just me. I say that, but the last time I said it I was 20 pounds heavier. Right now, altho I'm stalled in the mid 160's, I feel that really ... 150s is about the right weight and I'm pretty close. And without gym, I can get some real savings in for the "storm" to come.

403B wonk

June 11th, 2012 at 08:30 pm

I heard about this - has anyone else? Apparently all 401K (and I assume, the close relation, 403B) plans have to first present their fee structure to plan participants. That will be a surprise to a lot of people. Me being a 403B wonk, I've gone to all the meetings, Q & As ... everything. Fees aren't a surprise to me. Our fees aren't horrible - one can invest in things under 1%.

The real fun begins in October when the fee transaction shows up taken out of your account. Woah nelly.

I progressed on sister's birthday present - mosaic house numbers for the place in Milwaukee and the farmette. I finished gluing the glass bits to a fiberglass mesh. This last weekend, I made thinset mortar and glued the mosaic mesh to the backing board. Here's what everything looks like.



The pieces will be outside, so everything has to be able to take rain, freeze thaw, and UV light. The backing board is styrofoam/fiberglass/coated concrete. The 'glue' is thinset mortar, the bits are glass and vitreous glass. All that has to be done is grout, and seal the grout. It should wear like iron.

(Oh yes, if you look carefully at the picture ... I have jury duty next week. Fun times.)

money and gym updates

May 13th, 2012 at 07:18 pm

Took a look at the 403B - its all knit together into one account. Now to figure out how I want to rebalance things.

Looked at my not-so little drip portfolio. Still hanging in there pretty well. I've shut off adding to two companies WEC and IP, but I'm adding to TGT. I am ashamed to say that I am following the JP Morgan trading issue with more than a little amusement.

555 doings: I've been off and on with the water. The beef soup helped last week, but this week I'm going to drink it. I'm taking two days off this week, so those days along with the weekend means that I'll get the 8 hours those days. Had a six-colored salad with my sliced turkey on Friday. Today, when I stowed my clean gym clothes in a storage locker I realized that I could put some of them on and work out for an hour, so FINALLY I met a new 555 requirement. (5 workouts at the gym without a trainer...got 1). During the little workout, I used the interval setting on the bike which I NEVER did before and used the stretching machine which I also NEVER used before (do or use 5 new exercises ... so far I have 3).

403/555

May 8th, 2012 at 07:50 pm

At work, the consolidation of our two 403B accounts is proceeding - I could only get into the one account that is remaining. Supposedly all money in on account got sold last Friday. Good time: stock prices are dropping so we are buying on the dip. End of this week we should see everything in its one account glory. Then its the decision on if and how to rebalance.

So far this year, the 403B has been growing at about 4%. It was 6% a couple of weeks ago.

In the 555 doings, Sunday I missed getting the 1 liter of water, but made it the other days; missed the 8 hrs of sleep last night (got about 7 though); ate salads - green purple orange red pink and white and at night have been eating the beef veg soup - green orange yellow and a bit of red. I've been a bit slack on trying to get extra days in. Tomorrow I'm going to try spin again.

buffalo nickel

April 18th, 2012 at 08:54 pm

Today I slogged through work, and gave some investment advice to screenwriter friend (he's newly vested in a company profit share plan). I gave him the slightly more than a nickel seminar which he claimed he only understood 10% of, so its hard to know whether or what he will use.

He did pick up researching the ticker symbols on Morningstar.com, even the retirement target funds. From the retirement target funds he was looking at I learned a fascinating thing. I thought I was freakin' aggressive with my asset allocation (65%/35%) in my 403B, but to T Rowe Price I was behaving like a new retiree. Tough. I'm making money, putting my $750/paycheck in and my dips are dips not canyons.

As Paulette mentioned, we are following the celeb on our list. Again, another who was on my list last year passed away. I say my list has healing powers! Robin Gibb will never die.

I got a 1935 buffalo nickel in my grocery change this evening!

'A' into 'B'

February 16th, 2012 at 08:47 pm

Again, got paid a couple of days ago.

Turns that in addition to the 403B, we had (in the process of 'had-ing') a 403A. HR is merging the two so we are in the process of deciding what to do with our money in our 'As'. Choices are:

Roll it into the B
Roll it into another deferred-tax bucket
Cash out.

Since I don't like paying extra in taxes and penalties, cashing out is not an option. I picked rolling it into B.

Put 58$ of several months of tip box squeezings into savings. I was going to do it physically, but the ATM line at the grocery store didn't make it worth it. So I pocketed the money and moved $58 into savings. No line there.

Congrats, Paulette. You pulled ahead in dead pool today.

getting ready for 2012

December 28th, 2011 at 08:29 pm

Calming down from Christmas - these five days are usually some of my favorites. So quiet, so peaceful, so... not part of the rest of the year or part of any year. These 5 days gave the Romans fits, too. After all, 360 is so ....round.

Any way - I filled out the increase in my 403B contributions. I put in for 17K, and for another 1K of catchup. We'll see for the next three months how it goes.

Cashed in a couple of checks - the Chase credit card cashback, and some Christmas money. With the proceeds, I've bought another round of Target stock. $500, so about 9 shares.

Got my list of celebs for 2012, and it looks like there are going to be 8 or 9 participants this year. Mjrube, where are you? You are ahead for 2011!