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Re: Does anyone here make "fun" purchases.

I hate to make this pun, but I can't not... Many people on this Forum are Frugal, but IMHO, too many are downright CHINTZY. Sorry, couldn't help myself! There are several other threads about "spending vs saving", and "when spending is 'okay'". Obviously, the first issue is... ho...
by Wannaretireearly
Fri Nov 14, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6500

Re: 2015: Day Care Flex Spending Account

Thanks all! I did sign up for next year as well..
by Wannaretireearly
Sun Nov 09, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015: Day Care Flex Spending Account
Replies: 6
Views: 714

Re: The Sky is Falling

livesoft wrote:But tell me you bought GDX the other day. :twisted:


Is this a good time (cheaper) to buy jewelry? Diamond rings? I'm serious!
Been meaning to ask this with all the other commodities threads recently....

:sharebeer
by Wannaretireearly
Fri Nov 07, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: The Sky is Falling
Replies: 36
Views: 5001

2015: Day Care Flex Spending Account

ok, folks - I've searched all related previous posts on this without conclusive answer. My question: Is all of the cost for Preschool (3/4 year olds) eligible for the Day care account? I found these two (conflicting) sites: a. http://www.investopedia.com/articles/pf/09/dependent-care-fsa.asp Info: E...
by Wannaretireearly
Thu Nov 06, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2015: Day Care Flex Spending Account
Replies: 6
Views: 714

Re: Dish Network and CNN

Not that this is a competition, but i got $5 off for 6 months for this issue.
I always try to maximize my returns for complaints calls - I was offered 6 months and asked for 12 months and was refused ;)

We poor Dish customers deserve what we can get :sharebeer
by Wannaretireearly
Tue Nov 04, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Dish Network and CNN
Replies: 6
Views: 661

Re: Roll Call for the Retirement Class of 2015!

I'm Jealous and envious of this thread :) :) Cant wait til the roll call for 2028 - obviously if I hit the power ball before that I'll let you know! Congrats to all - well done. Not to derail the thread, but....Are there 'fun' 'active' 'adult' communities? I guess I'm asking if there are products ta...
by Wannaretireearly
Tue Nov 04, 2014 5:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 21
Views: 1828

401k millionaire

Inspired by this: http://money.cnn.com/video/pf/2014/09/15/planning-next-characteristics-of-401k-millionaire.cnnmoney/index.html?iid=SF_Taboola How long did it take you to become a 401k millionaire? What year did you start? what was your AA (Dom stock/Intl Stock/Bonds)? Congrats to all 401k milliona...
by Wannaretireearly
Fri Oct 31, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k millionaire
Replies: 27
Views: 5012

Re: Dubai trip

Thanks all - how much should a cab ride cost from the airport to the palm/atlantis?
Is it worth booking transfers in advance? They seem expensive at $100 each way..
by Wannaretireearly
Fri Oct 24, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Dubai trip
Replies: 9
Views: 1045

Dubai trip

Going to be Dubai for 6 nights - staying at the Atlantis hotel in Dec.
With 2 kids, 4 & 6.

First time to Dubai...would love to hear stories & hidden gems re: places to eat and things to see...

Many thanks.
WRE
by Wannaretireearly
Fri Oct 24, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Dubai trip
Replies: 9
Views: 1045

Re: AA: 50/50 Domestic and International Stock IPS

I have a harder time selling s&p 500 index than I do buying any of the international funds. I feel like international is one big super sale just waiting to revert to the mean sometime between now and retirement ;-) How far off the mean is international? I wouldn't even know how to determine thi...
by Wannaretireearly
Tue Oct 14, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1623

Re: AA: 50/50 Domestic and International Stock IPS

Thanks for all the posts. Nisi: Got your point, I shouldnt expect a turnaround soon - but have some faith in the very long term. I guess that bodes a question on whether there should be a slow reduction in foreign stock exposure as we near a retirement date for those of us at around 50/50. Perhaps b...
by Wannaretireearly
Mon Oct 13, 2014 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1623

AA: 50/50 Domestic and International Stock IPS

To all those souls with a roughly 50/50 domestic vs International Stock AA in your IPS, Are you rebalancing into VEU/VSS (ETF) or their Mutual fund equivalent (FTSE large cap/small cap ex US)? I just did (new money, so not really rebalance) but it felt hard to do - as we know its sometimes those har...
by Wannaretireearly
Mon Oct 13, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: AA: 50/50 Domestic and International Stock IPS
Replies: 18
Views: 1623

Re: work life balance when close to FIRE - suggestions

livesoft wrote:Also don't forget that there are many people at work around you who are trying to do the same thing. Don't be the last domino to fall.

Good point. only so many part timer/flex timer/working from beach types allowed!
by Wannaretireearly
Thu Sep 11, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: work life balance when close to FIRE - suggestions
Replies: 5
Views: 749

Re: work life balance when close to FIRE - suggestions

A strategy I used was to go part-time about 5 to 10 years before expected retirement date. One thing that helped was our company had an efficiency consultant come in to train everyone. That person said, "Dump your bucket", so I did. I delegated all the stuff I didn't want to do. I helped ...
by Wannaretireearly
Thu Sep 11, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: work life balance when close to FIRE - suggestions
Replies: 5
Views: 749

work life balance when close to FIRE - suggestions

Some thoughts I've been having recently.... 1. Given a decent low 7 figure nest egg/net worth, is it worth the additional hassle/stress/lost family time for a few extra $$$ ? - after taxes, a next level promotion just doesn't seem to give much bang for the buck, or really affect the nest egg much (m...
by Wannaretireearly
Thu Sep 11, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: work life balance when close to FIRE - suggestions
Replies: 5
Views: 749

Re: Fort Lauderdale area: need real estate advice

I did mean residential primarily. Although I would consider commercial...
by Wannaretireearly
Sat Sep 06, 2014 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fort Lauderdale area: need real estate advice
Replies: 8
Views: 867

Re: Fort Lauderdale area: need real estate advice

bump...its a busy saturday for the forum!
by Wannaretireearly
Sat Sep 06, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fort Lauderdale area: need real estate advice
Replies: 8
Views: 867

Fort Lauderdale area: need real estate advice

Happy Saturday BH'ers. I'm looking for guides on investment properties in the FL area. I've been to the FL/Miami area ~5 times and have always thought it would be a great place to settle/ER one day (especially FL). To that end, I would like to explore property investment opportunities in the FL area...
by Wannaretireearly
Sat Sep 06, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fort Lauderdale area: need real estate advice
Replies: 8
Views: 867

Re: Which Vanguard bond fund in my IRA?

Thanks for the responses. I should've said retirement accounts not 'deferred'
by Wannaretireearly
Thu Sep 04, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Vanguard bond fund in my IRA?
Replies: 4
Views: 361

Which Vanguard bond fund in my IRA?

Folks, Appreciate some opinions. I have been investing in Small Cap Value in my IRA. My AA (and my gut) tells me my back door contribution this year should go to a bond fund. I don't have a current bond fund in my Vanguard IRA account at present. Which Vanguard Bond fund would you recommend (and why...
by Wannaretireearly
Thu Sep 04, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which Vanguard bond fund in my IRA?
Replies: 4
Views: 361

Re: Did you reveal to your kids...your savings and salary

Havent read all posts, but if/when I do share salary I will walk the kid thru my paycheck so they understand gross income and net income after taxes and deductions. Then I'll walk them thru Net income - fixed expense - variable expense. Then I'll walk them thru why we need to save & not spend th...
by Wannaretireearly
Wed Sep 03, 2014 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7269

Re: It is time to retire when you .......

Pay Off mortgage -8 years
Youngest thru college - 18 years
Find hobbys? - done, travel + exercise + soccer + wimbledon etc
Any spare time can always be filled by test match cricket...the most time consuming activity known to man
by Wannaretireearly
Sat Jun 21, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10261

Re: TV show recommendations?

Finished Luther and Sherlock - both brilliant.
will check out the wire - love this thread!
by Wannaretireearly
Tue Jun 17, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 143685

Re: City Driver Hit My New Car. Diminished Value Advice?

Very interesting thread - never even knew this concept!
Wifey had an at fault accident with her van, when just a few months old - could she have claimed diminished value from our insurance company, even though she was 'at fault'?!?
by Wannaretireearly
Wed May 21, 2014 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: City Driver Hit My New Car. Diminished Value Advice?
Replies: 33
Views: 3226

Re: Social Security Q's for my mum

Hi SS critic: Dad passed at 59.5 yrs old, he wasn't collecting SS. Dads PIA is 1143. Mums is 767.* As I just mentioned in my last post, mum works and makes between 50-60k a year. What advice would you give to mum? Thanks! Since she is working, any benefits would be reduced by the earnings test (app...
by Wannaretireearly
Wed May 21, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 11
Views: 966

Re: 2600 days of every dollar tracked

Brilliant - thanks for sharing!
Nisi definitely has some new upstart competition from the OP re: fantastic posts with Graphics and charts!

Would love to see your charts in 10 years - if its still this detailed you've done a great job monitoring and are probably/definitely OCD - lol joking!
by Wannaretireearly
Tue May 20, 2014 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 6193

Re: Social Security Q's for my mum

Your mother is a widow. The benefits she might collect on your father's work record are called widow's benefits (not his benefit or his pension or anything else). If you are going to navigate social security, it is a good idea to learn the terms. She can take a widow's benefit at 60, but it will be...
by Wannaretireearly
Sat May 17, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 11
Views: 966

Re: Social Security Q's for my mum

OP back: Sorry for the delay in revisiting this. Mums 60th birthday today! Anyhow, here are the PIA amounts from the SS office: Dad: 1143 (passed 5.5 years ago) Mum: 767 Not sure what to make of these numbers. Appreciate comments/recommendations on what to do/if anything. Mum works FT and grosses ab...
by Wannaretireearly
Sat May 17, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 11
Views: 966

Re: Hybrid bike recommendation (around $500 max)

Thank you all. My riding will be local, parks and trails (3-5 miles) at least initially. Kids are young and will bike with them. I'm actually shopping for my sons first bike (16inch) without stabilizers too! I wont really be on gravel, but i like the feel of chunky wheels on Mountain bikes, dont lik...
by Wannaretireearly
Fri May 16, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hybrid bike recommendation (around $500 max)
Replies: 23
Views: 1991

Hybrid bike recommendation (around $500 max)

Hi BH bikers!! I'm looking for bike recommendations. My budget is around $500 max (wife will be happier at $300). Challenging I know for you expert bikers ;) I have tried hybrid bikes and like the feel of them for my purpose. I'm 5' 6'' so I think an 18 inch bike is good for me. Checked out bikesdir...
by Wannaretireearly
Tue May 13, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Hybrid bike recommendation (around $500 max)
Replies: 23
Views: 1991

Career change: PM to ITSM Coach

Hello, I have the opportunity (internal) to change from a Sr. IT Project/Program Manager position to a Sr. ITSM (IT Service Management) Coach position. I know there are many IT types on this forum and would love to hear your feedback/advice on the following topics: 1. ITSM Coach position: Who is fam...
by Wannaretireearly
Mon May 12, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career change: PM to ITSM Coach
Replies: 1
Views: 306

Re: Miami South beach

Thanks for all the comments! I've been to Miami a couple of times including Memorial day weekend my very first time. I think I know what to expect during Urban beach week, but appreciate your heads up - I'd like to go on another weekend, but no dice... I havent been in 4-5 years so the recent insigh...
by Wannaretireearly
Sun May 04, 2014 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1048

Re: Miami South beach

Thanks folks. Keep em coming!
We're mid thirties. Reality is our bodies are mid forties and our character and activities are still mid twenties.
Looking for those lounges which get busy/electric. Also appreciate the restaurant recommendations
by Wannaretireearly
Sat May 03, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1048

Re: Miami South beach

Cheers Katawa!
by Wannaretireearly
Sat May 03, 2014 1:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1048

Miami South beach

taking a friend here over memorial day weekend to help/give him a break from taking care of his sick Dad.
Any recommendations on restaurants, bars/lounges or clubs? Were staying at the Palms SoBe.

Cheers.
by Wannaretireearly
Sat May 03, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1048

Re: What's your number?

50
Must be able to retire by 50, regardless of $$$ the lifestyle will need to adjust to a 3-4% max SWR.
If I enjoy work ill continue but I think that will be unlikely. Life is short, especially healthy life
by Wannaretireearly
Thu Apr 24, 2014 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31852

Re: Wasting money on rent or buy in California

Go with the apmt. That is a relative bargain. Welcome to the bay area.
You will come out $$$ ahead being in the apmt, especially while u get your bearings.
Be careful of commute times. Some are horrendous.
by Wannaretireearly
Fri Apr 11, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Wasting money on rent or buy in California
Replies: 20
Views: 2622

Re: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Thank you! Would love to hear from others
by Wannaretireearly
Thu Mar 20, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 3790

Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)

Always bought relatively good cars for under $40k out the door. No issues, good cars, Toyota & Honda currently. Been thinking (dreaming?) about leasing a luxury car. (5 series, 7 series, E class? World is my oyster!) 1. What are peoples honest thoughts about leasing an expensive luxury car, pers...
by Wannaretireearly
Thu Mar 20, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cars: Lease vs. buy. (Similar to houses? rent vs. buy?)
Replies: 47
Views: 3790

Social Security Q's for my mum

Hello, My mum is 59. Turns 60 in May - she has got a letter from SS mentioning she could start collecting my Dad's (passed away 2008 at age 59) pension this year ($500 a month). Mum still works & would be obviously be eligible to collect her SS when she turns 62. I understand SS collection/spous...
by Wannaretireearly
Sun Feb 16, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Q's for my mum
Replies: 11
Views: 966

Re: Any other travel freaks?

forgot a Bangalore/India trip for work. Generally work travel is horrible! This trip was a combo of work and fun over Diwali :beer
by Wannaretireearly
Thu Feb 06, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 9296

Re: Any other travel freaks?

i guess we qualify as Travel freaks. Family influence. Grandparents have lived on 4 continents. Slowed down a bit/gone more local since the 2 kids (3 & 5). Big % of budget still goes on travel. last year: Hawaii, Japan (anniversary), NJ (wedding trip), Seattle (Tgiving), Cabo (Xmas). dont like t...
by Wannaretireearly
Thu Feb 06, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Any other travel freaks?
Replies: 117
Views: 9296

Re: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation

A bad analogy - but I prefer new cars cos I know what they've been thru....almost like knowing you've raised your kids from birth, rather than adopting and taking on some unknowns.
Yes, a bad analogy....
by Wannaretireearly
Thu Feb 06, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation
Replies: 9
Views: 1069

Re: AT&T Mobile Users: Check your plans

My past few weeks experience: Upgraded wifes phone to 5S (2 yr regular contract) paid close to $300 for the device incl taxes and upgrade fees etc Switched her from a 2GB data to to 3GB plan - Big mistake cos they dont allow my corporate FAN discount on anything except the 2 GB or unlimited plans. I...
by Wannaretireearly
Wed Feb 05, 2014 1:51 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 8541

Re: Stratford school in the SF bay area

thank you!
The specific Stratford school campus would be in Fremont (Curtis St).

I would be comparing against:
Vallejo Mill elementary
Centerville Junior High
Washington High school
by Wannaretireearly
Tue Jan 28, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Stratford school in the SF bay area
Replies: 4
Views: 473

Stratford school in the SF bay area

<Posting here cos I know there are a number of bay area BH folks> I'm specifically looking for feedback and thoughts from those who know Stratford schools well in the bay area. My situation is I have 2 kids likely to go thru the Stratford school system over the next 10 years (elementary thru middle)...
by Wannaretireearly
Tue Jan 28, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Stratford school in the SF bay area
Replies: 4
Views: 473

Re: Bay area Public vs Private School

Very interesting Chentastic. Thanks for sharing. My older kid is in Stratford K at present. The things i like about it that I *think* may be a gap in public school: 1. full day program in K (obvious) 2. Emphasis in gaining actual English language/lit knowledge - drilled in with homework already. I k...
by Wannaretireearly
Fri Jan 17, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Bay area Public vs Private School
Replies: 66
Views: 7830

Re: Wine for daily consumption?

our house fave. available at costco:
http://www.menageatroiswines.com/wines/red

The red blend is perfect.
by Wannaretireearly
Tue Dec 03, 2013 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Wine for daily consumption?
Replies: 105
Views: 5801
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