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Re: Is $700,000 enough to retire? Opinions please .

I have to say no, its way too soon for DH to retire unless you plan to work forever. This is a good point. My in-laws are sturggling with this. FIL retired a few years back, he took an early retirement package from his job. I think he was 53. They don't have near enough in retirement assets. Now MI...
by bungalow10
Fri Oct 31, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 49
Views: 5293

Re: Oatmeal suggestions

Only steel cut oatmeal is worth eating . I just buy the bulk stuff at the grocery. I do 3:1 or 4:1 water. Only takes 30 min. I get it started when I wake up, bring to boil, let simmer, it's done by the time I'm dressed in the morning. Or make it night ahead of time. I agree, I've become a bit of an...
by bungalow10
Fri Oct 31, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 130
Views: 7159

Re: Is $700,000 enough to retire? Opinions please .

If I were in your shoes, I would get a good budgeting software (I recommend You Need A Budget - YNAB for short) and really get serious about your expenses for the next 12 months. Once you have a data-supported picture of your household expenses, and have weeded out the unnecessary stuff, you might f...
by bungalow10
Fri Oct 31, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 49
Views: 5293

Re: A Little Common Core Math problem

letsgobobby wrote:seems like a long-winded way to bash your YMCA teachers and 90% of the American population.

Might have been a more concise way to do so?


I took something else away from this thread, and it isn't that the YMCA teachers look bad...
by bungalow10
Thu Oct 30, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2511

Re: A Little Common Core Math problem

Why are so many people (including the OP) using two variables? It isn't "common core" making this difficult.... Because there are two variables, you've simply chosen to show only one of them. Written another way: Cat + 8 Cats = 63 What is '8 Cats'? 8 Cats = Dog (the second variable) You j...
by bungalow10
Thu Oct 30, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2511

Re: A Little Common Core Math problem

This problem doesn't seem confusing, and I'm not sure why everyone is upset about the concept of Everyday Math (which has been taught LONG before Common Core). x + 8x = 63 9x = 63 x = 7 The cat weighs 7 lbs and the dog weighs 56 lbs. This does not require a calculator nor a pen and paper. Why are s...
by bungalow10
Thu Oct 30, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2511

Re: A Little Common Core Math problem

Why are so many people (including the OP) using two variables? It isn't "common core" making this difficult.... Because there are two variables, you've simply chosen to show only one of them. Written another way: Cat + 8 Cats = 63 What is '8 Cats'? 8 Cats = Dog (the second variable) You j...
by bungalow10
Thu Oct 30, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2511

Re: A Little Common Core Math problem

This problem doesn't seem confusing, and I'm not sure why everyone is upset about the concept of Everyday Math (which has been taught LONG before Common Core). x + 8x = 63 9x = 63 x = 7 The cat weighs 7 lbs and the dog weighs 56 lbs. This does not require a calculator nor a pen and paper. Why are so...
by bungalow10
Thu Oct 30, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2511

Re: New appliances - Stainless Steel or not?

IMO, stainless has been out of fashion since 2006. To me, it screams "flip". I really like black appliances. We just replaced our black gas range with another black gas range. I found out this time around that the stainless appliances were sometimes cheaper than the black appliances... ju...
by bungalow10
Wed Oct 29, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 54
Views: 2671

Re: New appliances - Stainless Steel or not?

IMO, stainless has been out of fashion since 2006. To me, it screams "flip". I really like black appliances. We just replaced our black gas range with another black gas range. I found out this time around that the stainless appliances were sometimes cheaper than the black appliances... jus...
by bungalow10
Wed Oct 29, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 54
Views: 2671

Re: Finance kids' medical educations with a HELOC?

If you do this, make sure you take out term life insurance plans on both kids. If they die, student loans are forgiven. HELOCs are not.
by bungalow10
Wed Oct 29, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Finance kids' medical educations with a HELOC?
Replies: 24
Views: 1781

Re: Smartphone questions

Android. I know someone above suggested iPhone was more reliable... but all my coworkers who have Apple complain that they get slower and slower with age (and updates). The above is interesting. I have a dumb phone and am planning on getting my first smartphone soon. At my workplace almost everyone...
by bungalow10
Fri Oct 17, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6902

Re: How would one negotiate with daycare?

Lets clarify to help the original poster and not derail the topic. This is also the standard terms (at least in my region of the country) when it comes to the business of daycare. Center: Commerical property, building where employees watch the kids In-Home: Residential property in which the busines...
by bungalow10
Fri Oct 17, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3204

Re: Smartphone questions

Android. I know someone above suggested iPhone was more reliable... but all my coworkers who have Apple complain that they get slower and slower with age (and updates). and all my Apple friends are always entranced by the cool things my Android phone does... things I take for granted like the naviga...
by bungalow10
Fri Oct 17, 2014 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6902

Re: Mega bus vacation with toddlers.

How many toddlers? Two? Ages?
by bungalow10
Fri Oct 17, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 1920

Re: How would one negotiate with daycare?

As for in-home care, we did tried to explore the options, but it was a pain to do it legally. I like to know how others have handle in-home. Paul Legally, I'm not aware of any issues with in-home care. They are self-employed and handle all their own taxes. My providers have had their own tax IDs an...
by bungalow10
Fri Oct 17, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3204

Re: Your personal risk level: Got your flu shot yet?

There are indeed peer reviewed, double-blind, randomly controlled studies (the gold standard in medical evidence) on the efficacy of the flu vaccine. Here's a metanalysis published in The Lancet . Interpretation Influenza vaccines can provide moderate protection against virologically confirmed infl...
by bungalow10
Thu Oct 16, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: Your personal risk level: Got your flu shot yet?

Since I am over 65 I also got the pneumonia and shingles vaccine. I did get sick after the pneumonia shot, but never with the flu or shingles. My boyfriend claimed he got so sick after his pneumonia shot he swore he would never, ever get another one. I just laughed at him as the kind he got (years ...
by bungalow10
Thu Oct 16, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: Your personal risk level: Got your flu shot yet?

I am a giant wuss when it comes to needles. But now that they have a nasal spray version, I have no excuse. That spray version is for children. Doubt if you could find any provider that would administer it to you. You aren't a 10 year old, are you? :P :P :P The nasal spray also sheds live virus. St...
by bungalow10
Thu Oct 16, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: Your personal risk level: Got your flu shot yet?

I do not get the flu shot. Neither do my husband or children. I have gotten the flu twice, once as a child, and once two winters ago - when I had a 4 1/2 week old baby. DH and I had the flu, none of our kids, including the newborn, got it. I was sick, really sick, for three days. Some might wonder w...
by bungalow10
Thu Oct 16, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: How would one negotiate with daycare?

cheesepep wrote:First world problems.


You must be new here. EVERYTHING discussed on this forum is a first world problem.
by bungalow10
Thu Oct 16, 2014 9:39 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3204

Re: How would one negotiate with daycare?

There are at-home daycare that may be cheaper. My wife is against those options because she feels they are not accredited. I tend to disagree since my parents were not accredited :D . My dad spent almost 20 years of his career as a regional director for a national daycare chain. I won't say the nam...
by bungalow10
Wed Oct 15, 2014 2:07 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3204

Re: How would one negotiate with daycare?

Back in college, my real estate professor said,"If you have a waiting list, you are not charging enough." I wonder what part of the business plan people running these daycare centers missed? Ralph Many of these big centers have high turnover. The waiting list is their way of hedging again...
by bungalow10
Wed Oct 15, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3204

Re: How would one negotiate with daycare?

As for in-home care, we did tried to explore the options, but it was a pain to do it legally. I like to know how others have handle in-home. Paul Legally, I'm not aware of any issues with in-home care. They are self-employed and handle all their own taxes. My providers have had their own tax IDs an...
by bungalow10
Wed Oct 15, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3204

Re: How would one negotiate with daycare?

Did you pay a deposit? If so, I'd find another daycare and then ask for your deposit back. Otherwise, I really don't think you want to risk coming off like a jerk to the people that will be watching your kids... Look into in-home care in your area. It's usually cheaper and you have the added benefit...
by bungalow10
Tue Oct 14, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: How would one negotiate with daycare?
Replies: 34
Views: 3204

Re: Small Moneysavers Which Add Up

Don't stream movie rentals, nearly all the same movies are available at Redbox for a third of the price. You can use the Redbox mobile app to see where the movie you want it is and can even reserve it through the app so it's there when you go to pick it up. Isn't Redbox $1.20/day? Many streaming re...
by bungalow10
Tue Oct 14, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6957

Re: Small Moneysavers Which Add Up

LED Lighbulbs- High Cost upfront, the payback seems to be happening faster then even I thought Radiant Barrier in the Attic and Insulation- I installed attic foil and more blown in cellulose this summer. Again aside from a more comfortable home, the payback seems to be more aggressive then I calcul...
by bungalow10
Thu Oct 09, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6957

Re: Small Moneysavers Which Add Up

Low flow toilets, faucets, and shower heads. I don't know how much you pay for water used, but we pay $6 for 2 people for 2 months for the actual amount used (the rest is flat standing charge), so if I optimize our showers I might save maybe $5 per YEAR so it will be years before a new faucet is pa...
by bungalow10
Thu Oct 09, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6957

Re: When people put all their eggs in the wrong basket

Earlier this year I worked with two guys, both of who would have been long retired if they were Bogleheads, who had worked for an Enron subsidiary or supplier (details are fuzzy - company was Chicago-based), and they lost all their savings, and their jobs, when Enron went bust.
by bungalow10
Wed Oct 08, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26640

Re: Small Moneysavers Which Add Up

Low flow toilets, faucets, and shower heads.
by bungalow10
Wed Oct 08, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 6957

Re: Wife Expecting, Down to One Income Source

I don't feel living on a single income puts a family in financial risk. If we run into trouble, my husband can go back to work. We live on one income (granted, its the larger of the two) now, but with DH's income and unemployment (not to mention our 1-year+ EF), we would be fine for quite a while we...
by bungalow10
Wed Oct 08, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8328

Re: Wife Expecting, Down to One Income Source

I'm a man and I took my 3 month old daughter to the pediatrician with a 103 degree fever (my wife used up all her sick days with maternity leave). The nurse asked "where is the mother" as if my wife had died, run off, or had been deployed to Iraq. I remarked that she was at work and there...
by bungalow10
Wed Oct 08, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8328

Re: 0% Furniture Credit

Furniture credit, 3 years at 0% through wells fargo. Dont know any more details yet, will find out more later this week. Spending $2000 on furniture, have the ability to pay cash, but at 0%, why not spread it out and let that money make a little interest. Any reason why I shouldn't finance the purc...
by bungalow10
Wed Oct 08, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 0% Furniture Credit
Replies: 29
Views: 1316

Re: Where to buy municipal bonds directly?

I also have an Edward Jones account that only hold muni bonds. I've never paid a fee there. The fee is their markup (usually 1-5%), plus I believe they deduct an ongoing fee from the dividends. My mom has a muni bond portfolio at Edward Jones and when I looked at hers I thought the fees were high -...
by bungalow10
Wed Oct 08, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to buy municipal bonds directly?
Replies: 18
Views: 1477

Re: When people put all their eggs in the wrong basket

It's hard to believe all of those posts are real. I have the same feeling. What's to say these folks were big talkers who were exaggerating how much they made with this stock, only to turn around an exaggerate on how much they lost (in order to keep up the charade). I've spent enough time in other ...
by bungalow10
Wed Oct 08, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26640

Re: Wife Expecting, Down to One Income Source

I'm a man and I took my 3 month old daughter to the pediatrician with a 103 degree fever (my wife used up all her sick days with maternity leave). The nurse asked "where is the mother" as if my wife had died, run off, or had been deployed to Iraq. I remarked that she was at work and there...
by bungalow10
Wed Oct 08, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8328

Re: My CFP Plan

Thanks for the response Dale. What do you mean by finding "good guys" to work with. Is there any reason why I can't just work for myself? What are the requirements for the experience? Do you need to be working for a licensed planner? It may not be allowed to work independently prior to be...
by bungalow10
Tue Oct 07, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: My CFP Plan
Replies: 10
Views: 1532

Re: 529 or not

Bill M wrote:Lesson we learned is definitely anti-boglehead; to pick a specific college, not an index, and track the costs.


Thanks for sharing. This is what we do (we picked a flagship State U). The big issue is when you have 10+ years out, inflation is nothing but a shot in the dark.
by bungalow10
Tue Oct 07, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 or not
Replies: 34
Views: 3258

Re: Wife Expecting, Down to One Income Source

I wonder what do stay at home parent do all day? You can't really teach or play with a kid/kids 8 hours a days 7 days a week right? Cooking? Cleaning? Running errands? Many people do that with a full time job and kid/kids. Does it really matter? If there's not significant economic benefit to having...
by bungalow10
Tue Oct 07, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8328

Re: Wife Expecting, Down to One Income Source

Why are all you guys quitting work because of having a child and just having the wife work? I can only speak for my personal situation, but we decided to have DH quit when our youngest (of three) was 1 year old. The reasons were multiple, but the primary ones were... 1. Our daycare situation wasn't...
by bungalow10
Tue Oct 07, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8328

Re: 529 or not

DH and I both agree that it is not likely an 18-20 year old fully understands the repercussions of taking out school loans. I'm not opposed to them entirely, but I've seen what happens to a young person who graduates with 50k in debt and life hits them square on with a 30k/year job. It can be very d...
by bungalow10
Tue Oct 07, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 or not
Replies: 34
Views: 3258

Re: Wife Expecting, Down to One Income Source

I can't recommend the software You Need a Budget enough. Using it enabled DH and I to go to one income (we have three kids, I work and DH stays home). Prior to that we were great savers (always saved first), but we didn't maximize the remaining money. After doing YNAB for about six months, we had en...
by bungalow10
Tue Oct 07, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8328

Re: confronting a coworker

As the manager of two groups of people who have similar staffing issues. We start the year by dividing up all the holidays arbitrarily. ie - the person who gets Thanksgiving doesn't get Christmas, but they do get New Years. We take our company's paid holiday weekends and just alternate who has staff...
by bungalow10
Fri Oct 03, 2014 5:19 pm
 
Forum: Personal Consumer Issues
Topic: confronting a coworker
Replies: 44
Views: 3600

Re: Health Care/ACA question about losing coverage

zanian wrote: I think if this continues much longer I will contact the CA insurance commissioner.



Contact the insurance commissioner today. You might be surprised at how quickly Kaiser figures out how to start your coverage October 1.
by bungalow10
Fri Oct 03, 2014 2:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Care/ACA question about losing coverage
Replies: 19
Views: 1097

Re: Does insulating attach'd unheated garage improve efficie

Do you ever plan to put a refrigerator or freezer out there? Do projects in the garage?

I'd insulate it. It doesn't cost much and makes the space that much more usable.
by bungalow10
Thu Oct 02, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Does insulating attach'd unheated garage improve efficiency
Replies: 20
Views: 1701

Re: Yet Another Pension Buyout Scenario

Wrong logic. I don't want to sell it because it has emotional value to me. That's good logic. Bad logic 'it will only continue to appreciate in value'. I have seen so many threads here about the falls in value of antiques, collectibles etc. We had Victorian furniture we bought for £1050 over 10 yea...
by bungalow10
Thu Oct 02, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Yet Another Pension Buyout Scenario
Replies: 42
Views: 2616

Re: OTA HDTV - Best antenna to use?

I bought a powered antenna similar to the Leaf at Costco. It works very well (we actually have two). Costco has a great return policy for those who want to try it.
by bungalow10
Wed Oct 01, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6469

Re: OTA HDTV - Best antenna to use?

rec7 wrote:Would a Mohu Leaf work in a brick house?


My house is stucco and a similar one works.
by bungalow10
Wed Oct 01, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 6469

Re: Oatmeal suggestions

OK, based on this thread I ate oatmeal today as a 2nd breakfast. It seems a take-away from this thread is that oatmeal tastes so bad that one has to add good-tasting bad things to it to make it palatable. I'm gonna guess that those bad things are already added to instant oatmeal which is why instan...
by bungalow10
Tue Sep 30, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 130
Views: 7159

Re: Oatmeal suggestions

OK, based on this thread I ate oatmeal today as a 2nd breakfast. It seems a take-away from this thread is that oatmeal tastes so bad that one has to add good-tasting bad things to it to make it palatable. I'm gonna guess that those bad things are already added to instant oatmeal which is why instan...
by bungalow10
Tue Sep 30, 2014 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 130
Views: 7159
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