Search found 780 matches

by Curlyq
Wed Oct 18, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 3082

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

A solar-powered/hand crank lantern will provide light for studying at night. Some have USB ports for charging phones, but as others have said, that requires more cranking, etc. I think this will be a good experience for your son.
by Curlyq
Mon Oct 16, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: First Post (gulp) - Request for Advice on selling inherited home
Replies: 20
Views: 1782

Re: First Post (gulp) - Request for Advice on selling inherited home

When my grandmother died, my mom and her siblings found over twenty thousand dollars in small lots, hidden in books, in greeting cards, and in other papers. They didn't think their mother had any assets when she died. When my dad died, my sister found items of his that were really touching and speci...
by Curlyq
Wed Oct 11, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

VictoriaF wrote:
Wed Oct 11, 2017 7:47 pm
So, it's all just a pipe dream?!

Victoria
Good one!
by Curlyq
Wed Oct 11, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

Hi Victoria, I agree that the best of the MMM movement is to wake up the average consumer to realize that spending is a choice and that there are alternatives to building a nest egg or even that one can build a nest egg. I used to teach and was always amazed at how "programmed" my students seemed to...
by Curlyq
Wed Oct 11, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

Hi Victoria, - The MMM movement is named for MMM. - MMM's major accomplishments are (1) very frugal living and (2) retiring very early (Me: not he's not, he has a few small businesses) . - THUS, the defining characteristic of the MMMers is very frugal living (and for some, very early retirement). - ...
by Curlyq
Wed Oct 11, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

As for the solar panels and electric cars, I think you would purchase them while still working, in preparation for retirement. Alternatively, you don't need to take out exactly 4% SWR every year. In year-1 you may take out 5% and invest in environmental efficiencies. In year-2, 3, etc., your annual...
by Curlyq
Wed Oct 11, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

Here's a post by MMM, on reducing one's carbon footprint via smaller living: http://www.mrmoneymustache.com/2016/03/20/climate-change-footprint/ I'm not sure someone who is "retired" on 4% SWR of $500,000 at 30-35 can afford to purchase solar panels, or an electric car. or subscribe to a wind-power ...
by Curlyq
Wed Oct 11, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

Some years ago, we were discussing that the gains in productivity will enable people to work less and have more time for self-actualization. I think MMM and his followers are implementing this vision. I think Victoria is correct that MMM's followers are implementing this vision to quit work at 30-3...
by Curlyq
Wed Oct 11, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

If we all retired at 30 and lived off very modest poverty-level income, the laws would catch up. Perhaps, 30-year old retired people would be required to do some public service. Athletic ones would do some of their exercise by building roads. Intellectual ones would flesh out their ideas by teachin...
by Curlyq
Tue Oct 10, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

You cannot live on 25k for a family of three and be able to afford full health insurance without subsidies or fund a college education. You can opt out of insurance or not pay for your kids education which is a huge risk and a bad idea for most people. This is one of my biggest questions in the MMM...
by Curlyq
Mon Oct 09, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

avalpert wrote:
Mon Oct 09, 2017 7:12 pm
the following has found some secret enlightenment
There's some mary-ja-wanna smoking culture in the MMM immediate community, at least that's what MMM's blog mentions now and again. This might be the enlightenment source.
by Curlyq
Mon Oct 09, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15848

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM's earlier blog posts challenged readers to realize where they were on the hedonic treadmill and gave them ideas to get off of it. Now that MMM has made a lot of money off of the blog (through advertising, if I'm not mistaken), his posts now tend to explain why he's spending more money or acquiri...
by Curlyq
Sat Oct 07, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional as part of bond in three-fund style portfolio?
Replies: 14
Views: 493

Re: TIAA Traditional as part of bond in three-fund style portfolio?

RM, thanks for the info on how you and yours approach TREA. I will be able to ask some specific questions when I call TIAA and will also check out the various BH forum TREA thread. Thanks! ~CurlyQ
by Curlyq
Sat Oct 07, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional as part of bond in three-fund style portfolio?
Replies: 14
Views: 493

Re: TIAA Traditional as part of bond in three-fund style portfolio?

RM, by the way, what asset class you do consider your TREA portion to be? I've been keeping my real estate separate from my asset allocation, save for a REIT that I own in taxable. I consider that as a stock. Thanks! ~CurlyQ
by Curlyq
Sat Oct 07, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional as part of bond in three-fund style portfolio?
Replies: 14
Views: 493

Re: TIAA Traditional as part of bond in three-fund style portfolio?

RM, I'm glad that I asked on this forum, all of the responses have been very enlightening. I did look into the Morningstar forum at one point. I resisted creating yet another profile with yet another password with yet another security question, etc. Maybe when my "profile" fatigue wears off, I'll ge...
by Curlyq
Sat Oct 07, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional as part of bond in three-fund style portfolio?
Replies: 14
Views: 493

Re: TIAA Traditional as part of bond in three-fund style portfolio?

RM, You are correct! I've read a little about the TIAA RE fund and agree with you that I should think very carefully and explore all of my options before transferring this money out of TIAA-CREF. Right now, I'm leaning toward putting the funds into TIAA Traditional at a portion of my fixed and sit o...
by Curlyq
Sat Oct 07, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional as part of bond in three-fund style portfolio?
Replies: 14
Views: 493

Re: TIAA Traditional as part of bond in three-fund style portfolio?

Student and RM, thanks for the links. Interesting. I'm going to call TIAA on Monday to get more specifics about my particular contract. In regards to to the Real Estate fund, I have so much already in a REIT and three properties, that I'm not sure I would consider more RE. Thanks!
by Curlyq
Sat Oct 07, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional as part of bond in three-fund style portfolio?
Replies: 14
Views: 493

Re: TIAA Traditional as part of bond in three-fund style portfolio?

Thanks aristotelian and RM. I could also roll funds over to variable annuity with Vanguard and annuitize it at some point there too. I kept 457 and 403 separate from Vanguard initially due to early withdrawal and loan properties a rollover would not have, but the need for these properties is quickly...
by Curlyq
Sat Oct 07, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional as part of bond in three-fund style portfolio?
Replies: 14
Views: 493

TIAA Traditional as part of bond in three-fund style portfolio?

I'm trying to achieve as close to three-fund portfolio as I can. 12% of portfolio is TIAA-CREF 403b with access to TIAA Traditional. I've been reading on this site that this may be a good choice for part of my bond allocation. Single, 58, work part-time, low-seven figures invested, 50/50 allocation ...
by Curlyq
Sat Oct 07, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Roof shingles do not match - Neighbor sent notice
Replies: 44
Views: 5950

Re: Roof shingles do not match - Neighbor sent notice

Not sure this would work, but when I replaced some cement roof tiles on a house, the new tiles did not match. I brought an old tile into a paint store and got matching paint to paint the new tiles. They matched and look good for several years until I sold the house.
by Curlyq
Fri Oct 06, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Third time in my 32 year career I have been laid off
Replies: 87
Views: 10584

Re: Third time in my 32 year career I have been laid off

Oh golly. Only on Bogleheads would a single person with close to $2.7M be told that's not enough to retire. I'd sell the two properties, move to a lower cost of living area and rent. Consult when you want. Enjoy life. +1 I was laid off in April. I was already only working part-time, so decided to b...
by Curlyq
Thu Oct 05, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Please help, three fund portfolio, not sure about bond placement
Replies: 6
Views: 562

Re: Please help, three fund portfolio, not sure about bond placement

JBTX, I changed percentages in Inherited IRA 1 to this: Inherited IRA 1 at Vanguard 2.46% Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) (0.11) 20.91% Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) (0.05) This puts me close to a 52/48 allocation with international...
by Curlyq
Thu Oct 05, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 3155

Re: That blank stare... ?

I'd rather get a blank stare, than my ex's response. He wanted to liquidate it and "live large."
by Curlyq
Thu Oct 05, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Please help, three fund portfolio, not sure about bond placement
Replies: 6
Views: 562

Re: Please help, three fund portfolio, not sure about bond placement

Hi JBTX, Thanks for the quick response! 50/50 makes sense, given my age and not working as much anymore. Back to spreadsheet to adjust! I'm stuck with the annuities (former Ameriprise advisor and 20 years working in education). Vanguard wanted to put Int'l Stock into annuities, I put in Total Stock....
by Curlyq
Tue Oct 03, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Please help, three fund portfolio, not sure about bond placement
Replies: 6
Views: 562

Re: Portfolio Review - Made progress, now want three-fund or close

I should add that I contribute $6,500 to Roth IRA annually. Thanks!
by Curlyq
Tue Oct 03, 2017 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Please help, three fund portfolio, not sure about bond placement
Replies: 6
Views: 562

Please help, three fund portfolio, not sure about bond placement

Thank you in advance for any feedback for improvement! Emergency funds: Almost a year's expenses in money market in taxable. Not included in Asset Allocation. Debt: None. Tax Filing Status: Single Tax Rate: Less than 28% Fed, 0% State Income: Rental property income, small amount from inherited SPIA,...
by Curlyq
Sun Sep 24, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: AirBnB Hosting - In lieu of traditional rentals
Replies: 13
Views: 2195

Re: AirBnB Hosting - In lieu of traditional rentals

Mr Money Mustache's most recent post is a case study of exactly this: From Zero to Wealthy in Two Years – With AirBnb? . I read that post and found a lot of holes in this woman's story. I would love to see her numbers and suspect that she inherited money and/or property to get started and is forget...
by Curlyq
Sun Sep 24, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6599

Re: Spouse Money Management

If dating you, her work, and her school doesn't fulfill her, and only shopping/buying stuff does, why are you with her? She needs to figure herself out and I don't think you are helping her at all; you are enabling her instead.
by Curlyq
Mon Dec 08, 2014 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 124
Views: 18032

Re: Do you celebrate financial milestones?

Sold big high-maintenance house and the proceeds paid for smaller easy-care retirement home. No mortgage and with healthy portfolio, work is now optional. Two-comma club several years ago, never paid much attention, but hit personal number earlier this year (50-times annual expenses in liquid assets...
by Curlyq
Sun Jul 13, 2014 10:23 am
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 18406

Re: High end purses

In my opinion, "designer" purses look like old lady purses, similar to what my mother used to lug around (she actually carried a pair of pliers in her purse). They are too big and bulky and look more like carry-on luggage than anything. What on earth do these women put in them? I see wome...
by Curlyq
Sat Jul 12, 2014 11:55 pm
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 18406

Re: High end purses

In my opinion, "designer" purses look like old lady purses, similar to what my mother used to lug around (she actually carried a pair of pliers in her purse). They are too big and bulky and look more like carry-on luggage than anything. What on earth do these women put in them? I see women...
by Curlyq
Fri Jul 11, 2014 11:34 am
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 19896

Re: Tiny House Movement

I once read an article that suggested to track how many rooms one used regularly and live in a house with the same number. I realized that I only used one bedroom for sleeping and one bedroom for home office/guests and didn't use the formal dining room or the formal living room, preferring the TV ar...
by Curlyq
Wed Jul 09, 2014 7:01 pm
Forum: Personal Consumer Issues
Topic: Extremely Heavy Duty Office Chair
Replies: 15
Views: 2695

Re: Extremely Heavy Duty Office Chair

Another vote for Steelcase. I got two Steelcase task chairs that were being given away by a defunct business about a dozen years ago. Except for the mild wear and tear on the seats, they are just like new. The seat height, back height, seat pitch, arm rest heights all adjust. I want to recover the s...
by Curlyq
Sat Jun 28, 2014 1:34 pm
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 6600

Re: How many Bogleheads golf?

Excellent thread. I don't take it too serious and enjoy being out on a course. I am also looking down the road as golf is a game one can play through retirement! I would love to someday golf in Florida. I got to golf at a nice Florida course (can't remember name now) several years ago (BTW, that wa...
by Curlyq
Sat Jun 28, 2014 11:16 am
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 6600

Re: How many Bogleheads golf?

I golf 6-12 times per year on average. Generally at the munis or using specials to bring green's fees down. I will always walk and carry my clubs, unless course requires cart (rare). I don't like to pay more than $20-30 per round. Bought a new hybrid set off of eBay a few years ago and it has revolu...
by Curlyq
Fri Jun 27, 2014 11:44 am
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 115
Views: 11972

Re: Retired Bogleheads want to relocate to California

Orange County is a big place. There are lots of older neighborhoods inland where you might be able to find a "cheaper" home. But, cost of housing will be a big part of your cost of living in SoCal. On the other hand, you might find savings on other things, such as heating/cooling, that mi...
by Curlyq
Fri Jun 27, 2014 10:44 am
Forum: Investing - Theory, News & General
Topic: "Being Done" Saving: White Coat Investor blog post
Replies: 47
Views: 9526

Re: "Being Done" Saving: White Coat Investor blog post

My hours at my job are being cut (again), now from 30 hours per week to 15 hours per week at the end of the year. Also by then, I won't have a mortgage and will have modest expenses. I'm considering not looking for another job, since I'm "mostly done" saving for retirement. My version of &...
by Curlyq
Wed Jun 25, 2014 1:27 pm
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 66
Views: 7940

Re: Fed up with ATT

I give my Google Voice number to my students and other businesses. If they call or text me, I get an email in my Gmail account (the phone call is transcribed) and I call them back, either using my mobile or Google Voice or return the text via Google Voice. So far, this service is free and works very...
by Curlyq
Sat Jun 14, 2014 11:41 am
Forum: Personal Consumer Issues
Topic: Help with smoky condo sought
Replies: 15
Views: 1991

Re: Help with smoky condo sought

I recently bought a new home and it has both nicotine stains on the walls and smelled of cigarette smoke, especially when the temps were warm. I immediately pulled the carpet and pad and prepped and sealed the slab floor with an oil-based primer. I installed a new hard surface floor. The place smell...
by Curlyq
Tue Jun 10, 2014 4:12 pm
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 8825

Re: Car for a long daily commute

I can't recommend a car (although I drove a Subaru during the time I had a long commute of 60-miles one-way over two mountain passes to a job in another state), but I do recommend that your wife look into books-on-tape and start picking away at her reading list. Personally, I won't drive a long comm...
by Curlyq
Wed Jun 04, 2014 12:03 am
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 89
Views: 13588

Re: Elio Car

.....
by Curlyq
Tue May 20, 2014 5:17 pm
Forum: Personal Consumer Issues
Topic: Growing Blueberries
Replies: 30
Views: 3566

Re: Growing Blueberries

Locally, we have a grower who sells a special version of blueberries that are short and thick -- hedgelike, thus my idea to use them instead of a boxwood. I'm guessing that they will fill in faster than other types of blueberries. I've read that blueberries fruit on third-year stalks, so your experi...
by Curlyq
Tue May 20, 2014 5:06 pm
Forum: Personal Consumer Issues
Topic: Growing Blueberries
Replies: 30
Views: 3566

Re: Growing Blueberries

Bump for this thread. I'm looking to grow a version of "hedge-like" evergreen blueberries in lieu of a boxwood hedge, with the idea to have an edible crop.
by Curlyq
Mon May 19, 2014 1:11 pm
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 49
Views: 5675

Re: New PC - Buy Office or use free alternatives

My students get a Sky Drive account and with it, can use an online version of MS Office for free. I just checked and it's called "One Drive" now. I think it's competing with Google Docs.
by Curlyq
Thu May 15, 2014 3:55 pm
Forum: Investing - Theory, News & General
Topic: Are Single Premium Annuities a good deal?
Replies: 91
Views: 6545

Re: Are Single Premium Annuities a good deal?

What i don't see as part of this discussion is that peoples' cognitive abilities to manage their money generally starts to decline in their 70s. They may not even realize it. I think this factor needs to be considered. Annuitization may help protect income in this case. The costs of annuitization ne...
by Curlyq
Thu May 08, 2014 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: I like the investment strategy , not really the lifestyle
Replies: 67
Views: 8229

Re: I like the investment strategy , not really the lifestyl

I roughly follow the budgeting method called "The 60 Percent Solution." My percentages are slightly different than what this method suggests, but basically, I use my bank's billpay to pay all of the necessary bills and retirement savings automatically and I freely spend what is leftover. I...
by Curlyq
Tue May 06, 2014 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Article on Amish approach to personal finance
Replies: 12
Views: 2322

Re: Article on Amish approach to personal finance

I have a rag rug in my bathroom that my grandmother made and am saving clothes scraps to make my own. Supposedly, we have Pennsylvania Dutch in our family history. Maybe that's why I gravitated towards the Bogleheads... :)
by Curlyq
Tue Apr 22, 2014 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 20603

Re: If you have ACA health insurance, what is your experien

Another "pro" vote for ACA. When my full-time job was eliminated, I could stay part-time and purchase ACA insurance. I got most of my doctors in the new network for roughly the same price I was paying for premiums with group insurance through work. With a pre-existing condition (cancer), I...
by Curlyq
Fri Apr 11, 2014 1:46 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 100815

Re: Mr. Money Mustache: Hero or Foolish?

Everyone says we need to all be consumers to keep our economy going, but what if we could all just have less stuff, all work less, and all be happier, have more time with our families and strengthen our local communities. I think this would actually make people less happy, but that's another discus...