Search found 2452 matches

Return to advanced search

Re: Hit your #, Still want to work, does your savings % chan

I retired at 40 and our lifestyle has not really changed in the years since I retired. Once my son is through college then maybe we will spend more than we do, but I am not so sure that we could simply ramp up spending. My wife and I are frugal by nature and expensive cars, etc do not really mean a...
by epilnk
Tue Apr 22, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 3815

Re: Hit your #, Still want to work, does your savings % chan

I have not per se hit my number, but I have cut back on work. I will save less as a result. Kids are 11, 12 now. In a few years they may not want to spend so much time with us. In 6-7 years, they will be gone to college. Kinda a sweet spot now in terms of the kids. No matter how much I would have s...
by epilnk
Tue Apr 22, 2014 2:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 3815

Re: Hit your #, Still want to work, does your savings % chan

Leeraar wrote:There are two kinds of retirement books: Investing, and what to do with your life. Get some of the latter.


Any recommendations?
by epilnk
Tue Apr 22, 2014 2:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 3815

Re: POLL: why carry cash?

I have kids. Preteens. I keep cash in my wallet at all times. I am a walking wallet in a cash economy. Most of my own purchases are credit card, maybe debit if it is a local business I trust. I hate that visa is taking a cut from my every purchase. It's a huge hidden drain on the economy. But I have...
by epilnk
Mon Apr 21, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 221
Views: 7110

Re: Buying mattress online. Please help

I don't think I would be comfortable buying a mattress online. (Pun intended! LOL) Seriously, it's where you sleep, like every night. Sleep is critical for you to be alert. How can you be successful if you can't stay awake. If you are can't stay awake you will be poor because you will not perform w...
by epilnk
Fri Apr 18, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Buying mattress online. Please help
Replies: 19
Views: 1812

Re: Most solid small car

I am surprised at people recommending Mercedes and Audi as most solid small car. I would suggest Honda Fit. I have never driven or even ridden in a German car, but hey generally are poorly rated for reliability in Consumer Reports auto issue, which is the bible. At least that is my recollection. Th...
by epilnk
Fri Apr 18, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Most solid small car
Replies: 25
Views: 3143

Re: California Taxes - Am I Missing Something?

For IT related professionals, I understand that CA is the best state to work in. For outdoor enthusiasts, CA is nice. But is there any other cities/states with similarly nice weather all year round? For those who are neither IT related professionals nor outdoor enthusiasts, why do you live in CA? B...
by epilnk
Wed Apr 09, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8461

Re: Best ways to show daily news to 9 year old

NPR for sure. So many reasons, but the chief advantages are: 1. No visuals. Keeps them focused on the content without distracting imagery, and reduces the emotional impact of potentially upsetting content. 2. As every parent knows, conversations in the car are better than conversations anywhere else...
by epilnk
Fri Apr 04, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to show daily news to 9 year old
Replies: 28
Views: 1913

Re: Pay Off Mortgage

A lot of people are citing a wonderful, fabulous, magical feeling as one of the benefits of paying the mortgage early. Which is great if that is the kind of person you are. I did not think I would experience that feeling of relief and freedom. Turns out I was right. No magical feelings occurred. Pay...
by epilnk
Fri Apr 04, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 3792

Re: Being older/younger in class -- benefits, issues?

My challenging child has an October birthday in a district with a Dec cutoff. He is what his current teacher calls "an old soul", and we knew from toddler age that he was unusually intelligent. He had the full range of classroom and social skills in preschool, was well behaved, and loved s...
by epilnk
Tue Apr 01, 2014 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 98
Views: 4862

Re: Do you have hardwood or tile in your kitchen?

Cork. Glad to see I'm not the only one, though we're clearly in the minority. Cork is wonderful underfoot. I have back pain, my husband has knee pain, and our son has foot pain. Tile was out of the question. Our flooring is directly over a concrete slab foundation - cork is soft and warm, and easy o...
by epilnk
Sun Mar 30, 2014 3:58 am
 
Forum: Personal Consumer Issues
Topic: Do you have hardwood or tile in your kitchen?
Replies: 57
Views: 3120

Re: Financially prepare for baby on the way...

I wish I would have spent less on our high chair, since despite how they are advertised our kid did not want to sit there for long she wanted to be big enough to sit with her parents. This is the advice I give everyone who will listen. Those fancy adjustable highchairs are gunk magnets. Every creas...
by epilnk
Sat Mar 29, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Financially prepare for baby on the way...
Replies: 80
Views: 12254

Re: Flagship Rep called me

Yeah, I got a phone call not long ago. I was a little nonplussed. He asked if I had any questions and I said, "no, I'm cool". So that happened. Not sure why.
by epilnk
Wed Mar 19, 2014 1:40 am
 
Forum: Personal Consumer Issues
Topic: Flagship Rep called me
Replies: 22
Views: 4288

Re: New Printer/Scanner

We've been through so many printers in the last 10 years - Canon, HP, Kodak, and Epson, each with it's own issues - that the last time one quit on me I went almost 6 months before I could bring myself to replace it. I was just that pissed off. My husband does his printing at work, and since we live ...
by epilnk
Mon Mar 10, 2014 3:36 am
 
Forum: Personal Consumer Issues
Topic: New Printer/Scanner
Replies: 13
Views: 1395

Re: How did you get through the market crash in 08-09

I increased our allocation to long treasuries for a couple of years before the drop (starting in 05, I think), because I was worried about the looming mortgage crisis. In october of 08 after the big market drop I sold more than half of our VTSAX, parking it in an SP500 fund (I think) and booking a t...
by epilnk
Mon Mar 10, 2014 12:20 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5452

Re: Savers remorse ?

But I always wonder that I did not send my talented daughters to private schools. Did I deprive them of an "edge"? (when I ask them they always claim that their only handicap was having me as a father :happy They turned out ok. :happy Alright , better than OK : :D We can never know about ...
by epilnk
Thu Mar 06, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11184

Re: Move to California means what $ ?

Life is good in NorCal if you can afford it. If you can afford the house, the rest of it should be fine, but obviously you need to be sure you can handle the sticker shock. Most of us get by with a lot fewer square feet than we would settle for elsewhere, but most of us seem to think the trade off i...
by epilnk
Wed Mar 05, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 4337

Re: Continual phone solicitation by a debt consolidation com

Or you could just turn it over to Lenny. He's a bit hard of hearing, but he's perfectly happy to talk to telemarketers for as long as they want.

www.itslenny.com
by epilnk
Thu Feb 20, 2014 2:13 am
 
Forum: Personal Consumer Issues
Topic: Continual phone solicitation by a debt consolidation company
Replies: 34
Views: 2080

Re: Nice couches are pricey, where I can get them for less?

Do you have an Amish place nearby? High quality stuff - maybe a tad pricey by my el cheapo standards. But you get what you pay for (though I sometimes wonder if they add a feelgood premium like farmers markets do). Just did a google search and came up with this random choice out of many options. ht...
by epilnk
Mon Feb 17, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3133

Re: "If your parents died early, will you die early too?"

Longevity has long been understood to have low heritability once known major risk factors are accounted for; none of this is new. If your parents are afflicted with cancer, heart disease, and diabetes, and spend their weekends bungie jumping, you probably don't want to postpone anything on your buck...
by epilnk
Sun Feb 09, 2014 1:58 am
 
Forum: Investing - Theory, News & General
Topic: "If your parents died early, will you die early too?"
Replies: 32
Views: 3150

Re: What is your definition of "Wealthy?"

I'm sure it's all a matter of perspective. I was pretty poor just 17 years ago, counting every nickel. 12 years ago, I felt pretty wealthy being able to pull out and spend a $20 without worry 7 years ago, I felt pretty wealthy being able to buy a $1000 TV or computer without having to run any numbe...
by epilnk
Sun Feb 02, 2014 1:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 9662

Re: What is your definition of "Wealthy?"

"Financial" wealth is meaningless with un-Healthy and un-Happy loved ones. Au contraire - financial wealth takes on new meaning when you have an unhealthy loved one. I didn't care much about money before my son's diagnosis. But many problems will go away when you throw money at them, and ...
by epilnk
Sun Feb 02, 2014 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 9662

Re: King sized mattress recommendation?

How did we all become connoisseurs of fine mattresses (me included)? Is this a reflection in the aging of the population or has it been foisted upon us by the mattress industry? Many of today's mattress 'innovations' seem not only mostly unnecessary but also undesirable. I dread making our because ...
by epilnk
Mon Jan 13, 2014 11:40 pm
 
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 4417

Re: Biotechnology or Microbiology

What things unrelated to the degree impressed you most? I don't think any two good CVs were alike. But we're talking about college students here, not people with interesting work histories. Somebody who took 28 science (mostly biology) classes plus 4 distribution requirements was probably a dud - I...
by epilnk
Mon Jan 13, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biotechnology or Microbiology
Replies: 36
Views: 1151

Re: Biotechnology or Microbiology

He knows enough programming to be aware he does not want that as a career choice, but he may learn to love it if it means he can get into his chosen field. He will be taking stats this semester. I think he will do well, and I think he will like it. One semester of stats isn't something that will ma...
by epilnk
Mon Jan 13, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biotechnology or Microbiology
Replies: 36
Views: 1151

Re: Biotechnology or Microbiology

I too have an Ivy League PhD and a high prestige postdoc. I was lucky enough to get a high paying job in biotech, and I was probably responsible for hiring and training more entry level new graduates than anyone else in my large department. (I ran a labor intensive project, so new hires often spent ...
by epilnk
Mon Jan 13, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biotechnology or Microbiology
Replies: 36
Views: 1151

Re: Considerations for High Taxable/Tax Advantaged Ratio

We are in a similar situation; we have more tax advantaged than you do (about 1/5th of total portfolio) but need to park bonds elsewhere. About a decade ago I got rid of TBM - I was nervous about the upcoming housing collapse so wanted no MBS, and David Swensen recommends taking equity risk in equit...
by epilnk
Fri Dec 27, 2013 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considerations for High Taxable/Tax Advantaged Ratio
Replies: 16
Views: 1362

Re: A Modest Proposal [adding off-topic board]

It is not going to happen under the name bogleheads or bogleheads.org. I have no interest in creating or maintaining such a forum. If someone else wants to try, be my guest... Of course the community represented by authenticated members is what would be served by an "off topic"/"loun...
by epilnk
Sat Dec 14, 2013 7:24 pm
 
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 4421

Re: A Modest Proposal [adding off-topic board]

It works well for the people for whom it works. Not so much for the rest of us. That is why the ideal situation would be this board remaining the same plus a separate board for the people who don't like it here - that's really the only way everyone would be happy. However that would require someone ...
by epilnk
Fri Dec 13, 2013 10:26 pm
 
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 4421

Re: A Modest Proposal [adding off-topic board]

There are (or were) many people who are (or were) in favor of a less narrow moderation policy. A major reason the board now favors strict moderation is because strict moderation was implemented many years ago; the people who liked it stayed and the people who wanted more freedom left - a classic exa...
by epilnk
Fri Dec 13, 2013 8:14 pm
 
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 4421

Re: Better to be at home with older or younger kids?

I'm going to vote older, if a choice must be made. I was fortunate in not actually needing to make the choice, having spent most of my time at home at all ages. But it is quite clear to me that I am currently in the critical years. Parenting age 10 and up is easier to do, but much harder to do well....
by epilnk
Wed Dec 04, 2013 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Better to be at home with older or younger kids?
Replies: 51
Views: 3004

Re: Tablets and Readers and Smartphones, oh my lol

I use an iPad for travel, work, and occasionally convenience at home, and hate its deliberate limitations in Java, flash and document transfer, as well as avoid websites that force a mobile version on me (re: recent thread on Barry Ritholtz, his at the top of the list, ironically). This is an easil...
by epilnk
Thu Nov 21, 2013 1:14 am
 
Forum: Personal Consumer Issues
Topic: Tablets and Readers and Smartphones, oh my lol
Replies: 31
Views: 1936

Re: how much more expensive is a bigger home?

I want a somewhat nicer house, in a better location, and there's no financial reason not to move. But we're pretty happy here despite the many inconveniences. It's hard to know whether a change would be for the better. Although the cost of buying and renovating our house has been much more than I e...
by epilnk
Wed Nov 20, 2013 11:58 pm
 
Forum: Personal Consumer Issues
Topic: how much more expensive is a bigger home?
Replies: 68
Views: 4634

Re: Tablets and Readers and Smartphones, oh my lol

I appear to have stepped down the size categories. My laptop now takes the place of my former desktop, as my portable though often stationary workhorse. My ipad mini now fills something closer to the role my laptop used to play, though with greater mobility. That's the device that is in constant mot...
by epilnk
Wed Nov 20, 2013 1:45 am
 
Forum: Personal Consumer Issues
Topic: Tablets and Readers and Smartphones, oh my lol
Replies: 31
Views: 1936

Re: Grade 4. Writing Reading. Goal. "Exceed the Grade Level"

Nisi said it best. Go back and read the second post in this thread. Don't let her spend so much time on drills and studying that she doesn't have time to think. Forget the tutor. Let the school continue to develop her skills. Encourage things that will develop her mind instead. edit: I typed this in...
by epilnk
Wed Nov 20, 2013 12:55 am
 
Forum: Personal Consumer Issues
Topic: Grade 4. Writing Reading. Goal. "Exceed the Grade Level".
Replies: 50
Views: 2835

Re: how much more expensive is a bigger home?

If i may add that larger house may also improve ones marriage ( if needed) as you can escape each other more easily. The flip side to that is that you can escape each other more easily. Which is part of my dilemma. We have a nice little house, almost 2000 sq ft for a family of four. The preteen boy...
by epilnk
Tue Nov 19, 2013 4:12 pm
 
Forum: Personal Consumer Issues
Topic: how much more expensive is a bigger home?
Replies: 68
Views: 4634

Re: Need to choose a 529 - Live in CA (no state tax benefits

I opened the Ohio one because that seemed like the best choice at the time. I'm not real happy with the website though. I now also have 529s open though VG (whatever the one is that links directly to the site - Nevada, maybe?) and that's what I contribute to; it's more trouble than it's worth to con...
by epilnk
Wed Nov 06, 2013 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need to choose a 529 - Live in CA (no state tax benefits)
Replies: 16
Views: 826

Re: How many square feet is your home?

This is southern CA, where there are no basements, tiny/nonexistent yards, and small garages that most people use as storage rooms. Yup. And often stored with stuff that rarely seems to get used or cleared out so it expands and all the cars get park on the street. Or worse the garage gets used it a...
by epilnk
Mon Oct 28, 2013 7:29 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 10629

Re: How many square feet is your home?

2000 sq ft, 4 br, 2.5 bath, family of 4. The two boys have two bedrooms but by their own choice they have bunk beds in one for sleeping and use the other one for video games and teenage man-cave. (TV and Xbox in the bedroom is not ever going to happen.) The fourth bedroom is office space and workou...
by epilnk
Thu Oct 24, 2013 7:19 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 10629

Re: Best Sofa with Young Children

Imperabo wrote:Microsuede. I've had a full glass of red wine dumped on it and it cleaned up easily with no stain.

Or you could just limit the kids to white wine.
by epilnk
Thu Oct 24, 2013 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 2002

Re: How many square feet is your home?

2000 sq ft, 4 br, 2.5 bath, family of 4. The two boys have two bedrooms but by their own choice they have bunk beds in one for sleeping and use the other one for video games and teenage man-cave. (TV and Xbox in the bedroom is not ever going to happen.) The fourth bedroom is office space and workout...
by epilnk
Wed Oct 23, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 10629

Re: Best Sofa with Young Children

I'm very surprised by the answers here. I have two extremely active boys, and our house tends to be the neighborhood hangout. (There are 4 adolescent boys in the room with me as I type this.) The kids are all over the furniture and they are allowed to run wild, within limits. We also have cats. In t...
by epilnk
Wed Oct 23, 2013 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Best Sofa with Young Children
Replies: 38
Views: 2002

Re: Government Shutdown/Default [effect on investments]

I'm having a heck of a time explaining all of this to my children, ages 12 and 10. My younger son's class is studying how the stock market operates so we've been listening to the financial news after school every day, and everything centers on the government shutdown. I normally try to present a pol...
by epilnk
Sat Oct 12, 2013 11:55 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 26446

Re: HSA versus Alternate Scenario (Help me Pick)

The conventional wisdom lately is that HSAs can be superior for both ends of the cost spectrum - the young and healthy, but also the unhealthy - and conventional plans are better for the middle. We are a very high cost family who always hits the deductable and always will, and we have saved a lot by...
by epilnk
Mon Sep 30, 2013 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA versus Alternate Scenario (Help me Pick)
Replies: 10
Views: 493

Re: [Poll] Math question for Bogleheads

Some people might be wondering what the purpose of this poll is. Well, I look at this equation and, in my opinion, you can not calculate X until you have A, B and C. You need all three. Otherwise X is unknown. Or maybe you can call X undefined or indeterminate. I'm not sure what the best word is th...
by epilnk
Mon Sep 30, 2013 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Math question for Bogleheads
Replies: 39
Views: 1573

Re: Refurbished Ipad or ???

We have an astonishing number of devices in our household. Which is best depends entirely on individual preferences and uses. Company controlled laptop: spouse's primary computer, off limits to family. Macbook: my primary computer. Thinkpad: kids primary computer. Technically for homework, in realit...
by epilnk
Fri Sep 27, 2013 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Refurbished Ipad or ???
Replies: 17
Views: 1283

Re: rising rates bad for REITS?

Well this is annoying. I recently decided to further simplify my portfolio, and ditching the REITs has been at the top of my list for a long time. They aren't serving the diversification purpose they were originally intended for - they are stuck in awkward places, split into a couple of small retire...
by epilnk
Fri Sep 27, 2013 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: rising rates bad for REITS?
Replies: 19
Views: 2132

Re: Affording stay at home parent

Financially speaking, I don't think anyone can say that having a stay-at-home parent is no sacrifice. I have to respectfully disagree, at least in the limited sample of my family. My wife's income today is almost double what our combined income was when I began staying home with the children. This ...
by epilnk
Thu Sep 19, 2013 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 7080

Re: Affording stay at home parent

I think it's probably more useful to have a parent home from 10-14 than 5-8... This. I'd say that you can be very useful at 15 and 16 also. We have some very useful conversations in the car and while dinner is being prepared. Middle school is pretty tough on kids, and high school can be also. I agr...
by epilnk
Thu Sep 19, 2013 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 7080

Re: Affording stay at home parent

It seems that most of the people touting how well SAH worked for them and their families are tending to be the people who are at work. Of course, the SAH spouse might feel the same way, but it's possible that the SAH spouse isn't as happy as the working spouse believes he/she is. The SAH spouse mig...
by epilnk
Thu Sep 19, 2013 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 7080
Next

Return to advanced search