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- Fri Mar 22, 2024 10:50 am
- Forum: Personal Consumer Issues
- Topic: What Toys Have You Bought That Have Been Worth it?
- Replies: 254
- Views: 18405
- Thu Mar 07, 2024 10:12 pm
- Forum: Personal Consumer Issues
- Topic: Alaska trip without taking a cruise - help
- Replies: 53
- Views: 4884
Re: Alaska trip without taking a cruise - help
Hello We (family of 4 - tweens and parents) are hoping to take a trip to Alaska for 2 weeks in July in the summer of 2025. We are hoping to avoid taking a cruise as several members of the family have terrible motion sickness (yes - we have tried all of the many treatments/therapies). So, we are hoping to fly to Alaska and drive and then fly back. It’s a little bit daunting as the state is so big and there is a reason cruises are so popular (easy planning, convenience, etc) Can anybody share an itinerary or suggested itinerary? Any tips ? Thanks Here is an outline of how we did it. Check out the entire thread to learn about the things we didn't do missed! :oops: I'm hoping to go to Alaska in the fall season and have wondered whether it will...
- Mon Mar 04, 2024 9:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: FIRE-ing In, Quitting versus Getting FIRE-d - Talking to Boss Tomorrow
- Replies: 148
- Views: 22998
Re: FIRE-ing In, Quitting versus Getting FIRE-d - Talking to Boss Tomorrow
Congratulations and enjoy whatever comes next!
- Mon Mar 04, 2024 5:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: FIRE-ing In, Quitting versus Getting FIRE-d - Talking to Boss Tomorrow
- Replies: 148
- Views: 22998
Re: FIRE-ing In, Quitting versus Getting FIRE-d - Talking to Boss Tomorrow
... In surveys I've seen, the majority of people are quite happy with retirement. I would speculate that the majority of the unhappy retirees are those that didn't financially prepare for retirement. The number of unhappy retirees who have enough money but miss the "purpose", socialization, and gold stars from work seem like a real but quite small population. It seems that most people find ways to fulfill their human needs better with freedom from paid work than those that have less autonomy due to work time requirements. When that's not the case, it seems there is a lack of imagination/curiosity/life (i.e. I don't know what I'd do with my time if I wasn't working), or some weird moral view (i.e. work is good, enjoyment is evil)....
- Sat Mar 02, 2024 2:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Mid-career change to law?
- Replies: 127
- Views: 11961
Re: Mid-career change to law?
I know plenty of lawyers who have switched to law mid-career, it's definitely possible and it's not crazy. I also know plenty of happy lawyers, but I left a law firm ten years ago, where I've worked in in-house roles, and it's my experience that you're more likely to find happier lawyers in in-house roles than in law firms.
- Thu Feb 22, 2024 7:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: FIRE vs Loving your work
- Replies: 101
- Views: 8781
Re: FIRE vs Loving your work
Things people like about work: -you may do something you feel is meaningful or contribute to a mission or larger purpose of some sort -you may enjoy your work colleagues -you may enjoy the idea that you're helping people or making their lives better in some way -you may like the routine -you may like that it has some rigor to it that it forces you to think or challenge yourself in certain ways I can imagine myself working past the date i'm financially independent; I can also imagine myself quitting as soon as it's feasible. It's really too hard for me to know now what I'll do when that day arrives but I can at least imagine different things I'd miss if I quit working and different things I like enough about my work that would make it feel w...
- Tue Feb 20, 2024 9:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: Just did my own taxes for first time - owed $5k
- Replies: 57
- Views: 8019
Re: Just did my own taxes for first time - owed $5k
No, but I will receive a bonus that can vary in amount, which I'm guessing contributed to the unwelcome surprise when I did my return.learning30 wrote: ↑Mon Feb 19, 2024 7:54 pmI believe my income will be much lower this year, so I am just leaving the standard withheld amount. Are you commission based also? Because last year doesn't mean it will be the same this year.
- Mon Feb 19, 2024 7:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Just did my own taxes for first time - owed $5k
- Replies: 57
- Views: 8019
Re: Just did my own taxes for first time - owed $5k
I had something similar happen and now I need to figure out how to have an additional amount withheld, or figure out how to make estimated tax payments--not sure which I'm less enthusiastic about, but I don't want to repeat this next year.
- Mon Feb 19, 2024 9:13 am
- Forum: Personal Finance (Not Investing)
- Topic: Best way to exchange $1000 worth of yen for Japan trip?
- Replies: 48
- Views: 4471
Re: Best way to exchange $1000 worth of yen for Japan trip?
Get yen at an ATM in Japan, just like most of the people here say. We've gone to Japan about half a dozen times in the last six years and have been all over the country including some places that are pretty out of the way and have never needed yen before we arrived. It would be too much of a hassle to me to have $1000 in yen--not only finding a place to get a favorable exchange rate in the US and then taking the time and maybe money to get to that place, but then having to worry about spending $1000 in cash while I was in Japan (which you can definitely do, but it's also just the kind of hassle I wouldn't want to be thinking about). Then there's the exchanging it back if you have any left over, which is also a pain. Our trips have been abou...
- Sun Feb 18, 2024 9:15 am
- Forum: Personal Consumer Issues
- Topic: What is your favorite book?
- Replies: 187
- Views: 20522
Re: What Book Are You Currently Reading? Part VI
I'm reading A Gentleman in Moscow (borrowed through Libby, too) at the moment--so far, so good.DoubleComma wrote: ↑Thu Feb 15, 2024 12:56 pm
Enjoyed the A Gentleman in Moscow as well.
Currently I'm about 70% through The Lincoln Highway and am really enjoying it. Both by Amor Towles and available on my Libby App
- Sat Feb 17, 2024 1:38 pm
- Forum: Personal Consumer Issues
- Topic: What is your favorite book?
- Replies: 187
- Views: 20522
Re: What is your favorite book?
I saw it and thought it was an okay adaptation but it didn't have the same magic for me as the book. One of the things I loved about the book was the meandering path it took to get to the assassination attempt and I felt like the TV series cut a lot of that out to focus more on the assassination. Which I think made sense for the series, but made me not enjoy it quite as much.
- Mon Feb 12, 2024 4:34 pm
- Forum: Investing - Theory, News & General
- Topic: Who is buying bonds?
- Replies: 69
- Views: 8960
Re: Who is buying bonds?
I'm always buying at least some BND each month, but on Friday I hit a rebalancing mark and bought a lot more.
- Sun Feb 11, 2024 2:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Did we miss anything?? Looking to retire next year!
- Replies: 48
- Views: 3608
Re: Did we miss anything?? Looking to retire next year!
1. Your built in assumptions are really conservative as has been pointed out.
2. You also have flexibility to lower your spending needed.
3. You've budgeted for other large expenses.
It's hard to see how this could not work--you could always share the figures here and get more specific feedback, though.
2. You also have flexibility to lower your spending needed.
3. You've budgeted for other large expenses.
It's hard to see how this could not work--you could always share the figures here and get more specific feedback, though.
- Sun Feb 11, 2024 1:08 pm
- Forum: Personal Consumer Issues
- Topic: What is your favorite book?
- Replies: 187
- Views: 20522
Re: What is your favorite book?
I liked Atkinson's book on the Revolutionary War, too, and hope others follow. I thought all three of those Hornfischer books were great, as well.Horologium wrote: ↑Sun Feb 11, 2024 10:35 amBoth excellent. I also have Atkinson's book on the Revolutionary War on my list of books to read.
Re the Pacific War, I'd also recommend the late James Hornfischer's Neptune's Inferno: The U.S. Navy at Guadalcanal, The Fleet at Flood Tide: America at Total War in the Pacific, and his best work, The Last Stand of the Tin Can Sailors.
- Sat Feb 10, 2024 1:07 pm
- Forum: Personal Investments
- Topic: looking for advice
- Replies: 30
- Views: 3176
Re: looking for advice
It's about six and one half dozen the other and this is not a decision I'd sweat, personally. Your MM rate is just over 5% now, I think? But your marginal tax rate on gains in that account is about 27%. In your situation it doesn't look like you'll benefit from the added liquidity. I'd do what makes you feel happier: having more liquid funds sitting in a money market account in case you need or want them? Or ridding yourself of the monthly P&I a bit early?
- Fri Feb 09, 2024 10:08 pm
- Forum: Personal Consumer Issues
- Topic: What is your favorite book?
- Replies: 187
- Views: 20522
Re: What is your favorite book?
Thinking, Fast and Slow by Daniel Kahneman
Life After Life by Kate Atkinson
11/22/63 by Stephen King
Influence by Robert Cialdini
The Liberation Trilogy by Rick Atkinson
The Pacific War Trilogy by Ian Toll
The Things They Carried by Tim O'Brien
Purple Cane Road by James Lee Burke
The Last Coyote by Michael Connelly
LA Requiem by Robert Crais
The Great Gatsby by F. Scott Fitzgerald
Life After Life by Kate Atkinson
11/22/63 by Stephen King
Influence by Robert Cialdini
The Liberation Trilogy by Rick Atkinson
The Pacific War Trilogy by Ian Toll
The Things They Carried by Tim O'Brien
Purple Cane Road by James Lee Burke
The Last Coyote by Michael Connelly
LA Requiem by Robert Crais
The Great Gatsby by F. Scott Fitzgerald
- Wed Feb 07, 2024 6:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: Law School Debt: Is It Worth It?
- Replies: 115
- Views: 10662
Re: Law School Debt: Is It Worth It?
I made a similar decision and went with the state school and it worked out well for me. My thoughts in general: 1. I'm not sure how much better a T20 school is compared to a state flagship, to be honest. T8 might unlock a lot of opportunities that your state flagship won't, but that's dicier as you move down the list. So if by T20 you mean "9" the decision gets harder. If by T20 you mean "20," you should probably go to the public school. 2. Three areas where the higher-ranked schools shine: (a) judicial clerkships, if you really, really want a judicial clerkship; (b) opportunities to go into academics (where having a clerkship would probably help with that, too; (c) getting jobs that are outside of your immediate geograp...
- Mon Feb 05, 2024 9:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: What is your HSA strategy?
- Replies: 52
- Views: 6796
Re: What is your HSA strategy?
I cashflow medical expenses and invest the HSA in an S&P500 index fund.
- Mon Feb 05, 2024 8:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Accumulators, what's your response to inflation?
- Replies: 146
- Views: 13107
Re: Accumulators, what's your response to inflation?
We do what we've always done which is try to avoid lifestyle creep when we get raises, max out our tax advantaged space, put at least half of our raises after tax into taxable. We're in a fine position really--our mortgage rate is really low, no other debt, we're healthy, not educating children, and we already make and prepare almost all of our meals ourselves so although we feel inflation, comparatively it's not that awful and we are just staying the course.
- Mon Feb 05, 2024 1:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: How did you decide your comfortable annual expense?
- Replies: 40
- Views: 3654
Re: How did you decide your comfortable annual expense?
Kind of a combination of prioritizing how much I want to save, seeing what my actual numbers are of what I spend on, and also being intentional about spending in line with my values when it comes to huge purchases like houses, cars, and education.
- Sat Feb 03, 2024 3:17 pm
- Forum: Personal Finance (Not Investing)
- Topic: Recently let go from work while pursuing MBA - need advice.
- Replies: 26
- Views: 3897
Re: Recently let go from work while pursuing MBA - need advice.
If you're not interested in the MBA program quit it and focus on finding something, anything, that pays bills. After doing that for a while you may reconsider that the MBA program might have been helpful, and maybe then you can go back to it. Alternatively, once you're working for a while you may have found something you like and realize that staying in the MBA program wasn't for you and leaving it was the right choice.
But if you're open to staying in the MBA program and networking with your peers and taking advantage of those opportunities, this could work out really well for you.
But if you're open to staying in the MBA program and networking with your peers and taking advantage of those opportunities, this could work out really well for you.
- Fri Feb 02, 2024 8:53 pm
- Forum: Personal Investments
- Topic: I gained 21% this year so far in my IRA. What should I do?
- Replies: 49
- Views: 6206
Re: I gained 21% this year so far in my IRA. What should I do?
You're asking the wrong crowd. Gambling with our retirement accounts is sort of diametrically opposed to what we're doing here.
But, if I were you, I'd just ask: Am I feeling lucky?
If yes, keep it in!
If no, take it out!
Or flip a coin, or roll a die or something.
But, if I were you, I'd just ask: Am I feeling lucky?
If yes, keep it in!
If no, take it out!
Or flip a coin, or roll a die or something.
- Fri Feb 02, 2024 8:50 pm
- Forum: Personal Consumer Issues
- Topic: Fairbanks Alaska in Feb - rent a car or Uber?
- Replies: 6
- Views: 950
Re: Fairbanks Alaska in Feb - rent a car or Uber?
I was in Fairbanks a few weeks ago and it was -10F and -20F at Chena; we paid for a shuttle to Chena. I think it would be possible to drive on snow there if you're accustomed to driving on snow--everyone was driving slowly and it was dry and crunchy as someone noted. I didn't want to rent a car because I didn't want to bother with hooking up to the bull rail or plugging in some other way. I've never lived or driven anywhere I've had to do that before and I wasn't confident that it would be simple or I'd know what to do and I didn't want to have an unstartable car. This was probably a good decision as when we got to Chena it turns out the bull rail was not functioning--I'm not sure how people ended up ensuring they could start their cars, as...
- Wed Jan 31, 2024 9:15 pm
- Forum: Personal Consumer Issues
- Topic: Best towns with great schools, weather, outdoor activities
- Replies: 74
- Views: 7088
- Wed Jan 31, 2024 9:04 pm
- Forum: Investing - Theory, News & General
- Topic: Echoes of Dot Com Bubble?
- Replies: 230
- Views: 24301
Re: Echoes of Dot Com Bubble?
Even if there is a lot that is the same about it, there's no reason to think it will unfold in the same way. This is why we diversify our investments, keep our expenses low, don't try to time the market, choose an appropriate asset allocation, etc. We expect that there are times the market will go down and it will go up and we don't know exactly when that time will come so we make sure we're in the market all the time, whatever it's doing, and that we capture the market's return, whatever that is.
- Wed Jan 31, 2024 9:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Love my job, told re-lo for RTO or no advancement [Return To Office]
- Replies: 128
- Views: 9923
Re: Love my job, told re-lo for RTO or no advancement
I think you answered your own question in your 'long story short... You basically have 3 choices: 1) relo to the company office (I'd ask for relo assistance since you were hired remote) 2) remain remote and get zero promotions (and likely minimal salary increases) 3) seek another remote job In the medium term I'd figure out what aligns with your values and priorities and do that; in the short-term I'd choose a combination of options 2 and 3: keep your current job which pays you well and you like and start looking for something new. You'll either find that (a) staying in your current role is the best you can do as there are no better remote options available or (b) you'll find something better, or, possibly (c) you can find some workaround ...
- Wed Jan 31, 2024 7:33 pm
- Forum: Personal Consumer Issues
- Topic: Suggestions on where to move?
- Replies: 135
- Views: 10939
Re: Suggestions on where to move?
Lancaster, PA
Hot Springs, AR
Hot Springs, AR
- Sat Jan 27, 2024 2:20 pm
- Forum: Personal Finance (Not Investing)
- Topic: 20-30X income, is that the "retirement rut"?
- Replies: 135
- Views: 20824
Re: 20-30X income, is that the "retirement rut"?
Not exactly sure what you're asking here--I view this as "on track" or "still getting there" or "almost there but not quite," and not anything like a rut. I mean, I maybe see what you're getting at here, which is you're just impatient to retire because you don't find work fulfilling but you can't quit work just yet? It would make sense to me to find fulfillment in other places if you can. Work's a major part of our lives when we're doing it, but it's also not the only way to feel fulfilled and satisfied. So if you can make peace with the idea that you don't have to feel amazing about work for the next X years until you don't do it anymore, then maybe you can seek other ways to enjoy your life right now. An alt...
- Sat Jan 27, 2024 1:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: 20-30X income, is that the "retirement rut"?
- Replies: 135
- Views: 20824
Re: 20-30X income, is that the "retirement rut"?
Not exactly sure what you're asking here--I view this as "on track" or "still getting there" or "almost there but not quite," and not anything like a rut.
I mean, I maybe see what you're getting at here, which is you're just impatient to retire because you don't find work fulfilling but you can't quit work just yet? It would make sense to me to find fulfillment in other places if you can. Work's a major part of our lives when we're doing it, but it's also not the only way to feel fulfilled and satisfied. So if you can make peace with the idea that you don't have to feel amazing about work for the next X years until you don't do it anymore, then maybe you can seek other ways to enjoy your life right now.
I mean, I maybe see what you're getting at here, which is you're just impatient to retire because you don't find work fulfilling but you can't quit work just yet? It would make sense to me to find fulfillment in other places if you can. Work's a major part of our lives when we're doing it, but it's also not the only way to feel fulfilled and satisfied. So if you can make peace with the idea that you don't have to feel amazing about work for the next X years until you don't do it anymore, then maybe you can seek other ways to enjoy your life right now.
- Sat Jan 27, 2024 12:32 pm
- Forum: Personal Consumer Issues
- Topic: What video games are you currently playing?
- Replies: 529
- Views: 88334
Re: What video games are you currently playing?
Appreciate the recommendation, thank you! I'm building a list of games that have some qualities similar to Detroit and I'll add this to it.FoolStreet wrote: ↑Fri Jan 26, 2024 10:13 pmI played that in PS5 and really enjoyed it. A similar one I enjoyed was Until Dawn. A little smaller in scope, but better for it.MoonOrb wrote: ↑Fri Jan 26, 2024 10:05 pm I just bought a PS5 a few weeks ago and the first thing I've been playing with it is Detroit: Become Human, which I'm really enjoying. If anyone else here loved that game and has recs for things with a similar immersive experience/lots of branching choices, I'd love to hear.
https://en.m.wikipedia.org/wiki/Until_Dawn
Let me know what you think.
- Sat Jan 27, 2024 12:31 pm
- Forum: Personal Consumer Issues
- Topic: Best cookware to buy
- Replies: 143
- Views: 13941
Re: Best cookware to buy
Le Creuset: Dutch oven, sauce pan, casserole dish All-Clad: 12" skillet with lid Tramontina: 12" tri ply saute pan with lid Cuisinart 8" nonstick omelette pan Viking Steel Baking sheets A cheap 6 or 8 qt pot for cooking pasta That's my entire set up and it is great, in my opinion. This is a great list. What I use almost every day — inexpensive 10-inch and 12-inch nonstick skillets with clear lids that unfortunately don’t fit too well. What I use almost every week: large stainless stock pot for pasta. What I use every couple of weeks: a Dutch oven (mine is Made In) and a baking sheet. What I occasionally use: my lodge cast iron skillet, my all-clad stainless skillet, my cheap sauce pan, and my paellero. Dream addition: a larg...
- Fri Jan 26, 2024 10:05 pm
- Forum: Personal Consumer Issues
- Topic: What video games are you currently playing?
- Replies: 529
- Views: 88334
Re: What video games are you currently playing?
I just bought a PS5 a few weeks ago and the first thing I've been playing with it is Detroit: Become Human, which I'm really enjoying. If anyone else here loved that game and has recs for things with a similar immersive experience/lots of branching choices, I'd love to hear.
- Thu Jan 25, 2024 9:16 am
- Forum: Personal Finance (Not Investing)
- Topic: Anyone wished they had worked a few more years before retiring?
- Replies: 89
- Views: 14725
Re: Anyone wished they had worked a few more years before retiring?
I'm not in exactly the same situation but I'm in a relatively similar situation and my plan is going to be to keep working as long as these things are all true:
1. I enjoy working
2. There is nothing specific that I want to be doing instead of working
3. I'm healthy and fit
It's not really about the money at that point, it's more just about enjoying my life and if I'm enjoying my working life and don't have anything else that I believe I'll enjoy more, why trade that away?
I suspect that as I approach the date on which I can retire that I will either have enough days where I really don't like working or I'll have thought about things I'd rather be doing than working, so I kind of expect this issue will take care of itself.
1. I enjoy working
2. There is nothing specific that I want to be doing instead of working
3. I'm healthy and fit
It's not really about the money at that point, it's more just about enjoying my life and if I'm enjoying my working life and don't have anything else that I believe I'll enjoy more, why trade that away?
I suspect that as I approach the date on which I can retire that I will either have enough days where I really don't like working or I'll have thought about things I'd rather be doing than working, so I kind of expect this issue will take care of itself.
- Tue Jan 23, 2024 11:35 am
- Forum: Personal Finance (Not Investing)
- Topic: Should I buy my first house?
- Replies: 17
- Views: 1387
Re: Should I buy my first house?
I think you should go through the exercise of saying, "It's a few years from now and this has gone terribly. I know now it was a bad decision to buy this house. What went wrong?" When you think through it this way it can help you to see some risks and downsides that you might not be seeing. It might surface things like: I got a new job that is a 2 hour commute away and now I can't unload this house It flooded/sustained significant storm damage The cosmetic repairs are costing way more than I thought and I have lost the enthusiasm for doing them/the cosmetic repairs are a lot harder than I thought so I can't take care of them myself like I thought I could It turns out the repairs aren't all cosmetic and the resulting work is expens...
- Tue Jan 23, 2024 9:08 am
- Forum: Personal Consumer Issues
- Topic: What are some of the things that improved YOUR quality of life?
- Replies: 254
- Views: 42501
Re: What are some of the things that improved YOUR quality of life?
Daily or near daily trips to the gym.
Purchasing a treadmill so we can run even at inconvenient times or in poor weather.
Paying to have our yard mowed.
Moving to a neighborhood where we can walk to most things that we want to do.
HBO subscription.
Selected purchase of high quality cookware.
Buying a good mattress.
Purchasing a treadmill so we can run even at inconvenient times or in poor weather.
Paying to have our yard mowed.
Moving to a neighborhood where we can walk to most things that we want to do.
HBO subscription.
Selected purchase of high quality cookware.
Buying a good mattress.
- Sun Jan 21, 2024 10:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: Social Security Calcuation
- Replies: 12
- Views: 1361
Re: Social Security Calcuation
- Sun Jan 21, 2024 12:08 pm
- Forum: Personal Finance (Not Investing)
- Topic: Social Security Calcuation
- Replies: 12
- Views: 1361
Re: Social Security Calcuation
I didn't understand this for a long time so I learned how to calculate PIA myself and that process helped me get a better handle on it. it was on the labor-intensive side but I appreciated what I learned from it.
- Sun Jan 21, 2024 11:55 am
- Forum: Personal Investments
- Topic: Early Retirement Plan - Age 38 w/over $2 million
- Replies: 120
- Views: 29267
Re: Early Retirement Plan - Age 38 w/over $2 million
My line of thinking goes this way: 1. If it's just a math problem, you have solved the math problem correctly. If your inputs are correct, you'll be fine. After all, if your withdrawal rate is 2.5% or so and your expenses stay constant and you have a little bit for cushions, this will be fine. 2. The tricky part for me comes from two pieces here: (a) the extraordinarily long time horizon--50 or 60 years, maybe; and (b) the very low expenses. I know it's frustrating for you to have people challenge whether your expenses are REALLY as low as you say they are (and whether they will really stay that low), but I completely understand where this is coming from. Part of it is of course biases that we bring with us--we're drawing on our own experie...
- Sun Jan 21, 2024 9:41 am
- Forum: Personal Finance (Not Investing)
- Topic: Need your expert/experience advice w.r.t to buying house Now or later?
- Replies: 58
- Views: 4864
Re: Need your expert/experience advice w.r.t to buying house Now or later?
If your current rental situation isn't working for you how much will it cost you in rent each month for something that would work for you?
- Sat Jan 20, 2024 12:15 am
- Forum: Personal Consumer Issues
- Topic: Treadmills
- Replies: 59
- Views: 5588
Re: Treadmills
- Fri Jan 19, 2024 6:47 pm
- Forum: Personal Consumer Issues
- Topic: Lancaster PA trip
- Replies: 68
- Views: 7903
Re: Lancaster PA trip
For hiking maybe you want to try Muddy Run.
Seconding the recommendation of Lititz.
Seconding the recommendation of Lititz.
- Fri Jan 19, 2024 12:00 pm
- Forum: Personal Consumer Issues
- Topic: Best cookware to buy
- Replies: 143
- Views: 13941
Re: Best cookware to buy
Le Creuset: Dutch oven, sauce pan, casserole dish
All-Clad: 12" skillet with lid
Tramontina: 12" tri ply saute pan with lid
Cuisinart 8" nonstick omelette pan
Viking Steel Baking sheets
A cheap 6 or 8 qt pot for cooking pasta
That's my entire set up and it is great, in my opinion.
All-Clad: 12" skillet with lid
Tramontina: 12" tri ply saute pan with lid
Cuisinart 8" nonstick omelette pan
Viking Steel Baking sheets
A cheap 6 or 8 qt pot for cooking pasta
That's my entire set up and it is great, in my opinion.
- Wed Jan 17, 2024 1:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: Am i doing ok for my age?
- Replies: 44
- Views: 6018
Re: Am i doing ok for my age?
At your age you're doing better than okay, you're doing great. If you want to optimize and improve on your situation there are lots of ways you can do that, but with close to $1.5M invested and saved at your age, you are in fine shape.
- Tue Jan 16, 2024 8:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: Wisdom of owning house after retirement
- Replies: 54
- Views: 10486
Re: Wisdom of owning house after retirement
Financially, you should be considering: Expected appreciation in the home, if you keep the home Expected maintenance and home-associated expenses, if you keep the home Expected insurance/mortgage/taxes, if you keep the home Expected return of delta between home ownership and renting, if your monthly cost of ownership is lower and if you are going to invest and not spend that delta Whether there are anticipated tax benefits to owning the home, if you keep the home Expected net selling proceeds, if you sell the home Expected monthly rental costs, and any rental-associated home expenses, if you sell the home Expected return of invested sale proceeds, if you sell the home and invest and not spend the proceeds Then you just have to consider ever...
- Sun Jan 14, 2024 11:32 am
- Forum: Personal Investments
- Topic: Our Plan To Sell Everything & Travel Full-Time - Plan & Portfolio Review Request
- Replies: 65
- Views: 11553
Re: Our Plan To Sell Everything & Travel Full-Time - Plan & Portfolio Review Request
What happens if you don't have an 8% return? I also don't understand the SS plan: are you going to return to the US to work each year for a little bit? How sophisticated has your modeling of future SS payments been? The benefits estimate you get, as Watty pointed out, assumes you're going to work until FRA and continue at the same inflation-adjusted rate of earning. Are you readily employable as remote workers? The car/fuel card info makes me think maybe not. I'd sell all the collectibles immediately, I don't know what you're talking about there, but that sounds like a nightmare of a project and I'd want to get on that ASAP. Suppose you try this plan for a year or two and for one reason or another you decide this lifestyle isn't for you, is...
- Mon Jan 08, 2024 1:42 pm
- Forum: Investing - Theory, News & General
- Topic: A few thoughts on the 25x (4%) shorthand
- Replies: 42
- Views: 8285
Re: A few thoughts on the 25x (4%) shorthand
Yes I treat this as a rule of thumb and helpful heuristic not as some talismanic figure that determines whether I can stop working today or not.
- Mon Jan 08, 2024 11:05 am
- Forum: Personal Finance (Not Investing)
- Topic: What to budget for retirement healthcare costs?
- Replies: 16
- Views: 2434
Re: What to budget for retirement healthcare costs?
I'm doing this myself and penciling it out to be:
Retirement age until Medicare: about $28k for two adults
Post-Medicare: about $14k for two adults
As I get more and better information I'll make adjustments but these have seemed like reasonable starting points that I can use to plan.
Retirement age until Medicare: about $28k for two adults
Post-Medicare: about $14k for two adults
As I get more and better information I'll make adjustments but these have seemed like reasonable starting points that I can use to plan.
- Mon Jan 08, 2024 9:04 am
- Forum: Personal Consumer Issues
- Topic: If you are able to accomplish these, please tell me how
- Replies: 112
- Views: 26389
Re: If you are able to accompliesh these, please tell me how
If you can flex on any of these things (except raising a family) doing some of it is better than doing none of it, so it's not a binary distribution where you either do all of it or none of it and completely succeed or completely fail. For example: I listen to audiobooks during most times that I walk somewhere or commute somewhere and probably finish 1-2 books a month this way that I would not otherwise finish. I don't know if you can't this time as reflection or study or not but my head is constantly filled with ideas as a result of this practice. I go to the gym every single day and I deliberately chose a gym that is very convenient to where I live and is also close to public transportation if I'm taking that to work. It is probably worth...
- Mon Jan 08, 2024 8:53 am
- Forum: Personal Investments
- Topic: Am I Crazy? Every Account is SP500 Index
- Replies: 61
- Views: 10592
Re: Am I Crazy? Every Account is SP500 Index
It's not crazy it's just risky--and the nature of risk is just because the odds might be for or against you, there's no knowing how things will play out.
So you'll be able to better answer your question in 30 or 40 years. You've chosen a portfolio that can have highly variable outcomes--if the outcomes are favorable to you, you'll tell yourself that you were really clever and made strategic choices. If the outcomes are unfavorable, you'll tell yourself that you made sound choices at the time, but you were just unlucky.
So you'll be able to better answer your question in 30 or 40 years. You've chosen a portfolio that can have highly variable outcomes--if the outcomes are favorable to you, you'll tell yourself that you were really clever and made strategic choices. If the outcomes are unfavorable, you'll tell yourself that you made sound choices at the time, but you were just unlucky.
- Sun Jan 07, 2024 1:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: We are stuck with the house... !?)
- Replies: 38
- Views: 7560
Re: We are stuck with the house... !?)
I think you need to take a breath--when I read that you didn't stage it particularly well and it was only listed for a week it was easy to understand why it didn't sell. It's also the first week of the new year--a huge swath of people have plenty to do in their lives and are not looking at houses right now.
I feel like you've substituted a less important reason (highway noise) for the more important reasons that house has not sold: listed and yanked off market after a week, mediocre staging, listed during the holidays, selling price probably a bit too hig
I feel like you've substituted a less important reason (highway noise) for the more important reasons that house has not sold: listed and yanked off market after a week, mediocre staging, listed during the holidays, selling price probably a bit too hig