Search found 35 matches

by ER2023
Sun Aug 21, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: Ergonomic Workspace - your experiences
Replies: 3
Views: 329

Ergonomic Workspace - your experiences

Interested in hearing about your experiences with ergonomic workstations. I have been thinking about this for quite a while, and I'm finally seriously considering investing in a standing desk and ergonomic keyboard. After over 25+ years sitting for over 8 hours a day, the time has come to make some ...
by ER2023
Thu Apr 28, 2016 5:29 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) to 403(b) with higher expense ratios/higher match - and confusion
Replies: 5
Views: 374

Re: 401(k) to 403(b) with higher expense ratios/higher match - and confusion

Thanks for your responses and to the link to add'l information. I understand the RA and SRA now, my only question is: But I just would like feedback on if it’s best to keep my 401(k) with my previous employer, move to Vanguard with low ER, or transfer 401(k) to my new employer’s 403(b). If it’s best...
by ER2023
Tue Apr 26, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) to 403(b) with higher expense ratios/higher match - and confusion
Replies: 5
Views: 374

401(k) to 403(b) with higher expense ratios/higher match - and confusion

I will be starting a new job soon where I can participate in a 403(b). I just received the paperwork and it is so confusing. It almost looks like the 403(b) is one option and then a Retirement Annuity is another. They give the same paperwork for both - same options, etc., but call the second set of ...
by ER2023
Fri Mar 18, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 23
Views: 3083

Re: Tub Cleaning Issue - Soap Scum

Another vote for Barkeepers Friend. We never heard of it - someone recommended it to us and its the best product we have found - hands down.
by ER2023
Thu Mar 03, 2016 6:21 pm
Forum: Personal Consumer Issues
Topic: Coffee/Tea/Water Stainless Steel Thermos Recommendations
Replies: 16
Views: 1553

Re: Coffee/Tea/Water Stainless Steel Thermos Recommendations

I use a Yeti insulated cup to drink coffee from. It is not a thermos but does have a lid with a small slit for drinking from. Coffee will stay hot or warm for a long time. My only problem is if the coffee is too hot when I pour it into the cup, it takes a long time to cool down. Yeti's are great if...
by ER2023
Thu Mar 03, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Coffee/Tea/Water Stainless Steel Thermos Recommendations
Replies: 16
Views: 1553

Re: Coffee/Tea/Water Stainless Steel Thermos Recommendations

Thanks for the Zojirushi recommendation. I did some research today and that might be the best option.
by ER2023
Thu Mar 03, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: Coffee/Tea/Water Stainless Steel Thermos Recommendations
Replies: 16
Views: 1553

Re: Coffee/Tea/Water Stainless Steel Thermos Recommendations

http://www.amazon.com/Thermos-Ounce-Stainless-Commuter-Bottle/dp/B00K7CZHK4/ref=sr_1_1?s=home-garden&ie=UTF8&qid=1456960696&sr=1-1&keywords=thermos+backpack+bottle ER2023, This works very well. It will not spill even if it is upside down. But, it is only 16oz. I have 2 of them. Klang...
by ER2023
Wed Mar 02, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Coffee/Tea/Water Stainless Steel Thermos Recommendations
Replies: 16
Views: 1553

Coffee/Tea/Water Stainless Steel Thermos Recommendations

Does anyone have recommendations for a stainless steel 32 oz thermos that (1) doesn't spill (2) can sip from the top without taking the lid off. It doesn't even matter how long the coffee or tea stays hot because we drink it within 2-3 hours from brewing at home to taking to it work. Some advertise ...
by ER2023
Mon Feb 22, 2016 3:18 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 19584

Re: Tough Frugal Decisions

Great thread. I think most of the things we’ve done have been posted already. But one thing that comes to mind is that I am so grateful for the times I had to be frugal and work really hard to get where I wanted to be. For me, there is no greater feeling than really earning something versus someone ...
by ER2023
Sun Dec 06, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 24264

Re: A car nicer than the boss?

Personally I don't care what others drive (I have Millionaire Next Door drilled in my head by now), but in my experience, employees absolutely notice the cars their colleagues or the execs drive. Usually, they were made fun of when they would come in with Jags or Porsches - or anything with the top ...
by ER2023
Wed Nov 18, 2015 7:07 pm
Forum: Personal Consumer Issues
Topic: Shoe Orthotics
Replies: 24
Views: 3096

Re: Shoe Orthotics

Many thanks to everyone for your responses and recommendations. I will definitely try the different kinds of orthotics until I find the right one for me. Sounds like the more expensive or custom ones don't always work for everyone. I noticed with the Dr. Scholls that in some shoes they feel fine and...
by ER2023
Sun Nov 15, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Shoe Orthotics
Replies: 24
Views: 3096

Shoe Orthotics

Does anyone have any experience with shoe orthotics? My doctor recommended them for plantar fascittis (I ended up getting diagnosed with this after I increased my running program too quickly). I bought good sneakers (Asics with gel - approx $160) and don’t have discomfort when I wear them - only hur...
by ER2023
Sat Aug 01, 2015 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 85
Views: 11151

Re: Priorities

Glad to hear you are doing well Protagonist, and thanks for sharing your post. It makes a difference. It's been a while since I posted, but when I read this I wanted to give a brief update. I was a very well paid mega corp (albeit) low level exec who felt like I needed to continue working in a high ...
by ER2023
Mon Mar 02, 2015 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 3765

Re: Has anyone ever voluntarily downsized their job?

Asking for half-time for lots of people would be the same as resigning. Changing employers wouldn't really be an option, partly because of relatively old age, and other employers would be looking for someone wanting to step up, not down. Of course there are exceptions but I think that's what you're...
by ER2023
Mon Mar 02, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 3765

Re: Has anyone ever voluntarily downsized their job?

If stress from work has gotten to the ominous point of health problems, you really have no choice but to downsize or take whatever steps necessary to regain your health. I would do it as soon as possible, top priority, and while the health effects are more likely to be reversible. I've seen several...
by ER2023
Mon Mar 02, 2015 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 3765

Re: Has anyone ever voluntarily downsized their job?

I am thinking about it. I am a MD radiologist with 9-10 hour days glued to a chair + 1 hr commute. Volume quotas, constant interruptions, calls til 11 pm every 7th day and 3-4 th weekend with even higher workload. Have 8 weeks off but this does not help with stress and unhealthy lifestyle when I am...
by ER2023
Mon Mar 02, 2015 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 3765

Re: Has anyone ever voluntarily downsized their job?

If stress from work has gotten to the ominous point of health problems, you really have no choice but to downsize or take whatever steps necessary to regain your health. I would do it as soon as possible, top priority, and while the health effects are more likely to be reversible. I agree. If there...
by ER2023
Sun Mar 01, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 3765

Has anyone ever voluntarily downsized their job?

I would greatly appreciate hearing from anyone who made the decision to voluntarily downsize their job - what was your thought process, outcome, advice. I am currently in a megacorp executive position that, quite frankly, I never thought I would ever be in. I previously enjoyed individual contributo...
by ER2023
Sun May 04, 2014 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Wait to invest since stocks are high?
Replies: 13
Views: 1759

Re: Wait to invest since stocks are high?

What are you paying on the car loan? If it's more than 2.5%, why not pay it off and dump the rest in the market? That way you make money from day one. We pay .9% interest on a 2012 Honda Accord that we plan on keeping until it dies. I thought of paying off the $19k loan - would like to get rid of i...
by ER2023
Sun May 04, 2014 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Wait to invest since stocks are high?
Replies: 13
Views: 1759

Re: Wait to invest since stocks are high?

Thanks for the responses - will plan on DCA - and hope for the best like we all are doing.
by ER2023
Sun May 04, 2014 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Wait to invest since stocks are high?
Replies: 13
Views: 1759

Wait to invest since stocks are high?

Quick question - We max out our 401ks and HSAs and have one outstanding loan - a car loan ($19k). We have about $30k in cash we'd like to invest in our after tax VTSAX (current balance in that account is approx $28k). Since the share price is around $47 and that is the highest it's been since incept...
by ER2023
Sat May 03, 2014 9:28 am
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 22775

Re: An easy way to save money: Avoid the $300,000 car.

Don't buy too much house and don't buy too much car, and you've got 95% of the battle won. You can waste money on a lot of little $3 and $5 and $20 purchases if you get the house and car right. +1. Totally agree with this - and could have done better here. We purchased our home for $150k, put tons ...
by ER2023
Sat May 03, 2014 9:14 am
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 7453

Re: Mea culpa [100% stock at 50]

I realize that 100% in equities is so risky, and yet, that is our 401k investment allocation (he 50, she 45). I sought out advice last summer on this board (the advice totally made sense), made the update to 30% bonds, and - I know this will sound crazy - but I didn't *sleep well at night*. I felt l...
by ER2023
Sun Sep 08, 2013 6:21 am
Forum: Personal Consumer Issues
Topic: Why do you work?
Replies: 73
Views: 7159

Re: Why do you work?

Definitely early retirement from the high income/high stress jobs. We are looking at 5 more years if possible - and then getting lower income jobs that we truly enjoy - without the crazy stress and hours. We both like to work - and would never be happy sitting around in retirement - so looking forwa...
by ER2023
Sat Sep 07, 2013 6:56 am
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 27149

Re: How Much Did You Spend on Your Engagement Ring??

Just because its Mother's day Nothing on the stone. When I was 9 years old my mother lost her diamond wedding ring into the garbage at our vacation apartment. On a hot August day I dug through the garbage from 32 apartments, and after a number of hours of digging though crab and fish guts I found t...
by ER2023
Sat Sep 07, 2013 6:51 am
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 27149

Re: How Much Did You Spend on Your Engagement Ring??

$14,500 - and honestly, we would never do it again. The ring is beautiful and we were able to afford it, but we both realize it's just a "thing". Dumb mistake - both of us would rather have spent the money elsewhere.
by ER2023
Mon Sep 02, 2013 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Moving brother out of Mom's house
Replies: 26
Views: 4853

Re: Moving brother out of Mom's house

You do the best that you can and try to forget it's a problem when it's not immediately an issue, to be honest. My mother is 46, a paranoid schizophrenic, and even prior to mental illness setting in had been one of the least reliable people and worst decision makers I've ever met in my life. She's ...
by ER2023
Sun Sep 01, 2013 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: 5 Yr Plan - Tax Efficient Fund Help
Replies: 1
Views: 329

5 Yr Plan - Tax Efficient Fund Help

I plan on paying off all debt (house and car) within a couple months. Right now, I can afford to allocate just $3k to open a VG fund. The purpose is to fund early retirement - once debt is paid, I will put approx $6k/month in it for 5-6 years - and then retire (somewhat) early - and live off of that...
by ER2023
Sun Jul 28, 2013 6:23 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation between spouses - together vs separate
Replies: 13
Views: 1281

Asset allocation between spouses - together vs separate

I greatly appreciated the guidance I received on this site and made some of the best decisions as a result - HUGE thank you. And I read all the articles on this site and many of the books recommended here - and still have confusion when it comes to asset allocation between 2 401ks. I adjusted our 40...
by ER2023
Tue Jul 09, 2013 5:24 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 21203

Re: How to get over finance envy

I think it is perfectly natural to feel envy of other people's possessions, especially when you interact very frequently with those who own more than you, whether they can afford it or not. Don't feel ashamed of your envy, but do try your hardest not to let it dictate how you live your life. The ea...
by ER2023
Mon Jul 08, 2013 4:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards vs Debit Cards
Replies: 54
Views: 4190

Re: Credit Cards vs Debit Cards

I'm surprised at how much cash back some of you are getting - sounds almost too good to be true - but I'm sure the companies are still profiting from those not paying balance every month. Everyone made great points about protection - that far outweighs the benefits you get from debit cards (no bills...
by ER2023
Sun Jul 07, 2013 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards vs Debit Cards
Replies: 54
Views: 4190

Credit Cards vs Debit Cards

Only have one credit card and opened it over 25 years ago through employer. I hardly ever use it unless I really need to (traveling for example) - but mostly use debit card. I'm now thinking about looking at what other options are out there - where you receive cash back, points on things, etc., and ...
by ER2023
Tue Jul 02, 2013 7:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1388498

Re: What Book Are You Currently Reading? Part V

How to Retire Happy, Wild, and Free: Retirement wisdom that you won't get from your financial advisor. Ernie J. Zelinski

He also wrote The Joy of Not Working.
by ER2023
Mon Jun 24, 2013 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Full Portfolio Disclosure - Appreciate Any Feedback
Replies: 6
Views: 1528

Full Portfolio Disclosure - Appreciate Any Feedback

Edited Post - thanks for the feedback - I added the additional info below. This is our first post - greatly appreciate any feedback. We disclosed pretty much everything. Thanks for responses. Ages: Him 49, Her 43 Emergency funds: $143k in Capital One account that could be a 24 month emergency fund, ...

Go to advanced search