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Re: What is the best meal you've had at a restaurant?

While it may not be the best meal I've had, the one that is freshest in my mind was enjoyed at Cole's Chop House in Napa, CA in April 2013. My wife and I shared the crabmeat cocktail which is probably the best appetizer we have ever consumed. We had petite filet mignons as our entrees and they were ...
by supersharpie
Wed Dec 10, 2014 12:26 pm
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6591

Re: Reached a minor financial milestone this month

Thanks for the kind words everyone. My hope is to be able to report in about four years that we have hit the half million mark. I know that, with decent market returns and some taxable investing, we just may join the two comma club by age 40. That is definitely our big intermediate term goal. Howeve...
by supersharpie
Mon Dec 01, 2014 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3689

Re: Reached a minor financial milestone this month

cfs wrote:Finishers Wanted.

Outstanding work.

Continue investing slowly and for the long run.

I can see you crossing the investing finish line with a big smile!


Thanks, we plan on avoiding lifestyle creep in the coming years. Next stops: taxable investing and paying off the mortgage early!
by supersharpie
Sat Nov 29, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3689

Re: Any State Farm employees/retirees here?

Consider that members may wish to be anonymous and not reveal who they work for. Alternatively, members can PM the OP. Is there any reason she can't ask HR (or whoever takes care of pensions)? That's the only answer which matters. You're also looking at a 24 year time-frame. Will she still be emplo...
by supersharpie
Sat Nov 29, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any State Farm employees/retirees here?
Replies: 5
Views: 637

Any State Farm employees/retirees here?

My wife is a SF employee and is only 31. However, we are doing some long range planning and have the following questions: does SF give early retirees the option of deferring their pension until they reach 62 in order to avoid the penalty? If my wife retires prior to turning 55, then what? Will she b...
by supersharpie
Sat Nov 29, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any State Farm employees/retirees here?
Replies: 5
Views: 637

Re: Reached a minor financial milestone this month

We both just turned 31 and we are hoping to retire, at least from full-time work, by 50. Congratulations on your milestone! (Can't make any comments regarding progress toward your goal, since there are far too many unstated variables. I'm sure you already know that funding that many years of retire...
by supersharpie
Sat Nov 29, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3689

Reached a minor financial milestone this month

I know it isn't a great deal of money but my wife and I passed the 250k mark in combined retirement assets this month. I wanted to take a moment and thank you kind folks because finding this forum made us realize that early retirement was a legitimate option if we started prioritizing maxing out our...
by supersharpie
Sat Nov 29, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached a minor financial milestone this month
Replies: 28
Views: 3689

Re: When do you feel comfortable financially to have kids?

My wife and I are 31. We don't think we will be having children and it is for reasons of time rather than money. With that said, I would feel comfortable financially if we earned enough to pay for all regular annual child-related expenses and have enough left over both to max out all tax advantaged ...
by supersharpie
Sat Nov 29, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4346

Re: An overdue update from a "panicked investor"

What has changed between then and now that makes you a) comfortable with an 80% stock allocation (seems very high based on what you wrote in 2010), and b) sufficiently confident that you won't sell everything again when the market inevitably takes another nosedive at some nondescript time in the fu...
by supersharpie
Sat Nov 29, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: An overdue update from a "panicked investor"
Replies: 86
Views: 8745

Re: Boglehead Beer

Off to go try some Goose Island Bourbon County Stout of the 2014 release, I'm sure it'll be awesome. Picked up a case today in PA...$141 w/tax. Seems ridiculous until you realize: A. It is one of finest and rarest beers distributed nationally And B. At 13.8% ABV a case packs the wallop of 12 bottle...
by supersharpie
Wed Nov 26, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 414
Views: 54968

Re: Paying my parents a salary not to touch their nest egg

I find the whole thought process behind the OP to be very distasteful. Your parents worked their whole life to support you. They should be free to enjoy their savings AND have their wealthy son to fall back on for support if needed. If you are making 375k per year you should have no need for an inhe...
by supersharpie
Wed Nov 26, 2014 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 4449

Re: What do you splurge on?

Food, alcohol, and travel.
by supersharpie
Sun Nov 23, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 21691

Re: Help with Mom's portfolio

I am not familiar with the details, but a divorced person may have some right to Social Security benefits even if she remarried, when the subsequent marriage ends due to death or divorce, or something like that. Something for you Mom to keep in mind. My Mom lost significant benefits because she was...
by supersharpie
Sun Nov 23, 2014 7:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 19
Views: 1950

Re: Help with Mom's portfolio

She is divorced so the widow benefits won't apply. Thanks again for you help on this. No, that is incorrect. As long as she was married to her ex, who I am assuming is/was your father, for at least 10 full years before their divorce was finalized AND she waits until her 60th birthday to get remarri...
by supersharpie
Sun Nov 23, 2014 6:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's portfolio
Replies: 19
Views: 1950

Re: How premium cable can cost $59K

OP - you can play this game with all non-essential purchases. Think that vacation only really costs $5000 or that car $30,000? Think again! But really, what is the end game? To deprive yourself for decades only to die the richest person in the cemetary? As long as you are saving an adequate amount f...
by supersharpie
Sat Nov 15, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How premium cable can cost $59K
Replies: 45
Views: 6035

Re: Obligation to Parents?

Your in-laws probably spent close to a quarter million dollars raising your wife. Yes, she does have an obligation to protect them from abject poverty in return for their past support. She does not, however, need to aid them with a "comfortable" retirement.
by supersharpie
Thu Nov 13, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Obligation to Parents?
Replies: 77
Views: 4309

Seeking recommendations for a new dishwasher

Our unit is on its last legs and we just started searching for a new one today. We are a little overwhelmed by all the options out there and would appreciate your recommendations of both what to buy and where to buy it. We would prefer to spend under $1000, inclusive of installation. Certain chains ...
by supersharpie
Sun Nov 02, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 1053

Re: Checking monthly - may not even notice the October "cras

I notice this crash, 7K lost in October, November so far breaking even, so of course one will notice the losses, this downward trend in market has been going on tail end of October into November, and so far we are far off from breaking even, about 65% of loses have been recovered but 35% S&P dr...
by supersharpie
Tue Oct 28, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4446

Taxable investing neophyte looking for advice

Within a year or so my wife and I will be in a position to dip our toes into taxable investing for the first time. My wife and I are presently maxing out our 401k, TSP, and Roth IRA accounts and have close to 250k in tax advantaged assets at Age 31. We want to retire somewhere between 45 and 50 and ...
by supersharpie
Tue Oct 28, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing neophyte looking for advice
Replies: 2
Views: 319

Our plan to pay off our mortgage by Age 40

My wife and I are both 31. We have 24 more years left on a 30 year mortgage at a 4.75% rate. Our current monthly payment is $1210 and our principal balance is $209,700. We recently decided on the mid-term financial goal as paying off our mortgage by 40. We don't plan on having children and determine...
by supersharpie
Fri Oct 24, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Our plan to pay off our mortgage by Age 40
Replies: 10
Views: 1392

Re: Mega bus vacation with toddlers.

OP - it would be very inconsiderate of you to take your children on this bus ride.
by supersharpie
Sat Oct 18, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2107

Re: Long term return forecast

lol...no one can predict future returns...PERIOD!

I use these reports as TP.
by supersharpie
Sat Oct 18, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: Long term return forecast [Research Affil. Expected returns]
Replies: 33
Views: 2539

Re: Ebola preparation

Other than barricading yourself in your house you have to accept the risk of contracting Ebola just the same as you accept the risk of getting into a fatal car accident or being murdered. You can't live your life in fear.
by supersharpie
Tue Oct 14, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 2341

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

Our family had a similar experience when my uncle invested a substantial amount of my grandmother's assets in Janus IT mutual funds during the .com bubble. I don't know how much was lost. Thankfully he sold before those funds lost all of their value and she was able to stay in her expensive assisted...
by supersharpie
Thu Oct 09, 2014 7:37 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 29892

Re: Paying off a 6.5% mortgage

retiredjg wrote:There's a lot of discussion of refinancing, but that does not appear to be possible since the house is still underwater. And HARP is not available. I think paying it off is a no-brainer.


He can refinance by making a lump sum mortgage payment that would bring the LTV to 80/20.
by supersharpie
Wed Oct 08, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 4110

Re: Paying off a 6.5% mortgage

I also don't see the problem with refinancing to a lower rate even if you have to bring cash to the closing. After all, you have to bring even more cash to pay off the mortgage! Exactly! For the sake of avoiding a few nuisance fees OP would be loseout on decades of investment returns, probably tota...
by supersharpie
Tue Oct 07, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 4110

Re: Fleetwood Mac tour

mindboggling wrote:Fleetwood Mac? Was there wheelchair access...for the band?


Let's face it...the band members are still youngins in comparison to plenty of BHs.

FWIW, they still have "it" and I look forward to attending their show in Philly on 10/15:

https://www.youtube.com/watch?v=klDTuJmcBi4
by supersharpie
Mon Oct 06, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Fleetwood Mac tour
Replies: 14
Views: 1475

Re: Should I pay off my sisters student loans?

Yes, it is obnoxious how some BHs view carrying debt as a moral failure and/or symptomatic of a character flaw.
by supersharpie
Tue Sep 30, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3686

Re: Should I pay off my sisters student loans?

InvestorNewb wrote:Why is your sister not getting any part of the windfall?


I am wondering this myself. What is the source, in general terms, of your windfall OP? Is anyone else in your family getting one? What is your sister's attitude about your windfall?
by supersharpie
Tue Sep 30, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3686

Re: SE PA Roofing Contractor?

I used G Fedale in 10/2013 to replace our roof and was throughly impressed. They managed to install the roof in one day by working from dawn til dusk for a very fair price. A 10 year transferable worksmanship guarantee is included which was a plus for us since we plan to sell our home within a few y...
by supersharpie
Wed Sep 10, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: SE PA Roofing Contractor?
Replies: 2
Views: 213

Re: Rather macabre but necessary question

I'm sorry to hear about your illness and admire you greatly for already planning new adventures. I'm not certain what you mean about how to think about "stuff like this financially." Do you mean immediate retirement, financing your travel, or costs of medical treatment, or house sale, por...
by supersharpie
Tue Sep 09, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6644

Re: Favorite airbnb/vrbo properties?

Is this a thread of advertisements? No, although I am a bit of cynic and can understand why you might think so. I really just want people to post links to their favorite properties for our own future travel planning purposes. The reviews on airbnb and vrbo are useful but sorting through close to a ...
by supersharpie
Tue Sep 09, 2014 7:03 am
 
Forum: Personal Consumer Issues
Topic: Favorite airbnb/vrbo properties?
Replies: 7
Views: 1002

Favorite airbnb/vrbo properties?

These two rental sites in particular have been a revelation and huge money saver for my wife and me over the past couple years. We have stayed at close to 10 properties and were only somewhat disappointed once. The rest have been unqualified bargins. I wanted to find out where other bogleheads have ...
by supersharpie
Mon Sep 08, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Favorite airbnb/vrbo properties?
Replies: 7
Views: 1002

Re: NYC [Visit to New York City]

Spend at least a full day in Brooklyn. That is the most alive borough in NYC at the moment and has experienced tremendous revitalization/gentrification over the past 20 years. What makes it especially unique is just how well people get along with one another: blacks, whites, middle easterners, asian...
by supersharpie
Sun Aug 31, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2269

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by supersharpie
Sun Aug 31, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 4008

Re: Costco:is it worth it for just two people?

The free samples alone make it worth your while!
by supersharpie
Sat Aug 30, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 13085

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by supersharpie
Sat Aug 30, 2014 7:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 4008

Does your employer still offer pensions to new hires?

This question is only for employees in the US. Both my wife and I are considering eventually leaving our employers but are right now limiting our options to employers that still offer a defined pension program. Please share the details of the plans as these are not generally available on the company...
by supersharpie
Sat Aug 30, 2014 6:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 4008

Re: Help for my sister

Yes, she was divorced about 20 years ago. Will collect on part her ex's SS when she turns 66. $300.00 does sound low, but all she'll pay for will be a car loan & HC. Thanks for your rapid replies. She can't delay taking the ex-spousal benefit until 66. An application for early retirement is a &...
by supersharpie
Sun Jun 29, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my sister
Replies: 21
Views: 1942

Re: Need Advice on Retiring at 50

I have managed to save a decent amount of money over the years with $11m in mutual funds + $1.5m in cash. House and cars paid, kids college fund also paid and not counted in this number. Gross annual expenditures have creaped up over time and now stands at around $250k excluding taxes. Company i he...
by supersharpie
Sun Jun 01, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Retiring at 50
Replies: 8
Views: 1249

Re: 529? What if they don't go to college

[OT comment removed by admin LadyGeek]
by supersharpie
Sat May 31, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: 529? What if they don't go to college
Replies: 70
Views: 6301

Re: Poll: Are you going to retire? And if so, when?

I want to retire today (age 52), DW says nooooooo, So plan after 60. Want to enjoy life as it becomes shorter as we grow older. Have roof and food and auto to drive around which better than most in the world! Love watching "buying properties in Hawaii..." And dream about the permanent 80F...
by supersharpie
Wed May 28, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 49
Views: 5166

Re: Why 25/25/25/25 in a Permanent Portfolio?

You could also ask "why age in bonds?" There really isn't any statistical analysis to support that as a rational basis for investing.
by supersharpie
Thu May 15, 2014 6:52 am
 
Forum: Investing - Theory, News & General
Topic: Why 25/25/25/25 in a Permanent Portfolio?
Replies: 31
Views: 3004

Re: Buying a new suit for a promotion

Male or female? Eye candy? Trade shows and booths? Mostly phone work? Meeting rooms? Male - My understanding is that I will be communicating throughphone and email about 50% of the time and outside the office making presentations and serving as a rep at booths at various events the other 50% of the...
by supersharpie
Wed May 14, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 2566

Buying a new suit for a promotion

I just received news that I have been selected for a temporary promotional detail as a public affairs specialist for my employer. If I succeed and a full-time position opens I will likely secure that permanent promotion. I will serve as my employer's sole representative at a number of events and wan...
by supersharpie
Wed May 14, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 2566

Re: Is this true?

Yesterday I heard that the Fed Govt has pumped 300% more dollars into the economy than the year before. Or something like that. Also this person said that the Chinese govt has trillions of dollars in US bonds that it is trying to get rid of as soon as possible. IOW, he painted a bleak picture of ho...
by supersharpie
Mon May 12, 2014 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this true?
Replies: 11
Views: 1708

Re: What is the best all-inclusive resort you have ever visi

#1. Couples Swept Away is our favorite. #2. Couples Negril We liked both a lot. Can't go wrong at either place. We stayed at The Veranda in Turks and Caicos before. Loved it there. But, they were bought out by another company so i can't recommend it. We have considered both Couples resorts. What pu...
by supersharpie
Wed May 07, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5917

Re: What is the best all-inclusive resort you have ever visi

rholt wrote:My experience is that getting really top quality food at all-inclusives can be a challenge.


Yep, it merely needs to be "good" to satisfy us. We are not looking for fine dining. However, local cuisine options would be great! I know a lot of AIs only offer "international" fare.
by supersharpie
Wed May 07, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5917
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