Search found 168 matches

by MandyT
Tue Apr 10, 2018 7:32 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 5835

Re: Bill Bernstein, new podcast

What else can I do for the people to forget my speed-reading mistake? Victoria I have sometimes seen people edit and annotate the post with the error. In an ideal world, people would read the entire thread before responding, but, just in case they don't, something like MIT is not a top school in ec...
by MandyT
Wed Mar 14, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 6938

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Have you considered trying the new position while taking a year's unpaid leave of absence from your current school? My situation was a bit different, but I got to a point when I was unhappy with several aspects of the town and school environment and was ready to leave my tenured position. My departm...
by MandyT
Sat Mar 10, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: food safety after power outage
Replies: 26
Views: 1993

Re: food safety after power outage

You may want to check whether your homeowner's insurance covers food spoilage. I just checked, and my renter's insurance covers up to $500 with no deductible. (Whether it's inadvisable to have a claim on your record could also be a consideration, I guess.)
by MandyT
Fri Feb 23, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 3275

Re: Good Hotel in DC

I stayed at the Georgetown Inn West End (when it was a Best Western) on New Hampshire between Washington Circle and Dupont Circle. Moderately priced, room was nice and breakfast was fine, easy walk to Foggy Bottom Metro station and the Kennedy Center. I just checked Google Maps and it's about a mile...
by MandyT
Fri Feb 23, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 82
Views: 8971

Re: Do you rent even if you can afford to buy?

In any case, do you rent even if you can afford to buy? Why? Yes. When I was married, we ran some numbers and it wasn't a slam-dunk either way, financially. Neither one of us was particularly handy so we continued to rent. I've been divorced for 15+ years and am still a happy renter. I'm a bit of a...
by MandyT
Fri Feb 23, 2018 1:00 am
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 3712

Re: What seems to matter

In general, how much the payouts increase by delay determines the attractiveness of delaying pension benefits. But delay should definitely be considered if the payouts increase markedly, even if you only delay for a year or two. Not only do people rarely consider delay, most people are not even awa...
by MandyT
Thu Feb 22, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 3712

Re: What seems to matter

Other things that matter for achieving a financially successful retirement - Delay taking Social Security benefits for at least two years after retirement, unless you are retiring after turning 68. Delaying Social Security benefits is especially beneficial in a low interest rate environment. Social...
by MandyT
Wed Feb 21, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5486

Re: Chillin' in the BH Lounge

Robconoclast wrote:
Tue Feb 20, 2018 8:48 am
Atilla wrote:
Mon Feb 19, 2018 5:59 pm
Investing for life
Low expenses are the key
Avoid Edward Jones
I fled Edward Jones
Bogleheads opened my eyes
The blind now see light
Portfolio risk
Based on your ability
Willingness and need
by MandyT
Tue Feb 20, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 6302

Re: Question for music experts about musical keys

I'm a novice for sure, but I've documented my experience on here about taking up violin as an adult. What I've discovered in the little over a year I've been playing is... - sympathetic string vibrations are my friend. It's how I check that I'm playing in tune. The associated ringing from the notes...
by MandyT
Mon Feb 19, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 287
Views: 19667

Re: free dinner investing seminar

I'm not sure if it's because of my age (mid 50's) or because I retired last year, but I've just started receiving low-end versions of this. I got a flyer for a "Lunch and Learn" seminar about incontinence...I just noticed that it's at a Western Sizzlin' 4 hours away! The other flyer is about a medic...
by MandyT
Mon Feb 19, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 11432

Re: I'm Cancelling My Home Insurance

I don't understand the anti insurance posts I've seen recently on the board. Well, not necessarily anti insurance, but just thinking it's not necessary. While my house is not 12% of my net worth, I could easily afford to rebuild it if it burned to the ground. But, it just seems silly to me to foreg...
by MandyT
Sun Feb 18, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6716

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

I'm staying for two nights. When I started investigating flights, there were some outbound Tuesday and Wednesday flights for $40, so I built my trip around one of those flights--decided on a Tuesday departure and a Thursday return. A few days later, the $40 flight went down to $27 so I refared. The...
by MandyT
Sun Feb 18, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6716

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

Even before becoming a Boglehead, one of my guilty pleasures was looking for frugal ways to do fun things. Now that I'm retired, I have more time to strategize. I'm going to Spring Training for the first time next month--decided to start with a short trip. My round trip flight from the midwest cost...
by MandyT
Fri Feb 16, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 2916

Re: Digital alarm clock suggestions?

I realize that nisi already bought an alarm clock, but I'm another who, despite being old-fashioned in many ways (I wear a wristwatch, I use a VCR, and I reconcile my paper checkbook), has switched to using my cell phone as an alarm clock. I got my first smartphone in the fall. A few things I like a...
by MandyT
Thu Feb 15, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 6716

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

Even before becoming a Boglehead, one of my guilty pleasures was looking for frugal ways to do fun things. Now that I'm retired, I have more time to strategize. I'm going to Spring Training for the first time next month--decided to start with a short trip. My round trip flight from the midwest cost ...
by MandyT
Thu Feb 15, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2448

Re: Credit Card Statement & Receipt Clearing - Help!

I do not maintain CC receipts. I shred them usually when I get home. I review all CC statements every month. Rarely have I found anything amiss. I now have alerts on my CC’s so anything charged not authorized be me or my DW would get flagged immediately. Ticking and tying to individual receipts see...
by MandyT
Thu Feb 15, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 13375

Re: Ally Bank 12 month CD now 2.00%

There are a lot of favorable post on the BH site about Ally Bank, I took the advice and opened an account and attempted to place 25 K in savings account and 25k in a CD, its not a good impression when you make several attempts to log on and cannot access the account to make your first deposit. I am...
by MandyT
Wed Feb 14, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Increased pay versus personal and job satisfaction
Replies: 12
Views: 1196

Re: Increased pay versus personal and job satisfaction

+1 on the sabbatical idea. I've hosted a few faculty members on sabbatical with my team in industry. Every time it's been a great experience. At worst, you work on an applied problem for 6 months to a year and realize it's not for you. At best, you apply your research and people actually use it, wh...
by MandyT
Tue Feb 13, 2018 1:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: [When will 2018 Bogleheads Conference Announcement be Made?]
Replies: 8
Views: 1889

Re: [When will 2018 Bogleheads Conference Announcement be Made?]

I'd like to (very respectfully, I hope) point out two things that went somewhat awry with last year's announcement. (1) For months, it had been "known" that the announcement would be made on April 5, but it ended up being made on April 2. While I sort-of understand what happened, this had a negative...
by MandyT
Tue Feb 13, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 10013

Re: Single People and Retirement Question

I retired from a tenured faculty position at 55 last summer. It seems typical for tenured faculty to teach and do research well into their sixties and seventies, but that wasn't me--I may do some part-time teaching at some point, but I have no desire to continue to do research. I was married for qui...
by MandyT
Thu Feb 08, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: There is no precise plan
Replies: 16
Views: 2098

Re: There is no precise plan

It occurs to me that planning can encompass strategy and tactics. Almost by definition, it makes sense to think about strategy for the long term and tactics for the short term. A few times a week, people in their 20's and 30's posts plans or questions that strike me as tactics for the long term, wit...
by MandyT
Wed Feb 07, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985512

Re: What Movie Have You Recently Watched?

Netflix probably doesn't have a category for "buddy cop comedies with a fantasy element", but I've been watching them anyway. First Bright, then Men in Black, and finally Zootopia. That may be the last one, since nothing else comes to mind. Alien Nation might qualify. There's also a 2017 movie call...
by MandyT
Fri Feb 02, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 29
Views: 3664

Re: Credit for Retirees

I have a minor update/data point. I retired effective September 1. Earlier this week, I decided to take a major (for me) trip this coming May--I had to put a $250 deposit and the balance (a little over $5000) will be due Feb. 22. That made this a good time to apply for the Chase Sapphire Reserve car...
by MandyT
Thu Feb 01, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Should I Do My Own Taxes Or Pay A CPA $500?
Replies: 65
Views: 6061

Re: Should I Do My Own Taxes Or Pay A CPA $500?

IRS Free Fillable Forms... cheaper than Turbo Tax and after a year of doing it this way, each successive year gets quicker and quicker. And I understand tax implications of everything as a result. The limitation is that the fillable forms don't, as far as I know, do the math for you, making errors ...
by MandyT
Tue Jan 30, 2018 1:19 am
Forum: Investing - Theory, News & General
Topic: Interesting Anomaly (mutual fund credited extra cent)
Replies: 4
Views: 654

Re: Interesting Anomaly (mutual fund credited extra cent)

Not Law wrote:
Sun Jan 28, 2018 7:41 pm
There was a movie in the 80"s ( I think) where those extra partial pennies were diverted and made someone millions.
I think you're thinking of Superman III (1983), though a similar idea appeared in Hackers (1995) and Office Space (1999).
by MandyT
Sat Jan 27, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 47
Views: 5777

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

Dottie57 wrote:
Fri Jan 26, 2018 4:19 pm
UPDATE

I AM OFFCIALLY RETIRING ON 3/2/2018 with48 weeks of severance pay! Delighted.
Dottie, I am so happy for you! Just five more weeks! I hope that your co-workers who did not have the package approved will land on their feet.
by MandyT
Thu Jan 25, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985512

Re: What Movie Have You Recently Watched?

Three Billboards outside Ebbing, Missouri: I never knew what was going to happen next, in a good way. I think spoilers would hurt this movie more than most, so all I'll say that there are some uncomfortably violent scenes--as long as that's not a deal-breaker, I highly recommend the movie. The Post:...
by MandyT
Fri Jan 19, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Which funds to put in taxable vs. Roth if I plan on making withdrawals
Replies: 6
Views: 627

Re: Which funds to put in taxable vs. Roth if I plan on making withdrawals

@mega317 - I'd have to withdraw a larger pre-tax amount from taxable to get the same post-tax amount from the Roth, which led me to believe the withdrawl from Roth is more attractive. If the taxable is mostly stocks I assume I'd have a larger negative impact on the future value of the accounts (say...
by MandyT
Mon Jan 15, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting Vs Savings Rate
Replies: 65
Views: 4702

Re: Budgeting Vs Savings Rate

Did your spouse give a reason why he/she wants to budget? I can think of a dozen different reasons from a friend suggesting it to being worried about the future. Maybe understanding why might help. I think this is the key question. If your spouse is concerned about spending in general or your spend...
by MandyT
Sun Jan 14, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985512

Re: What Movie Have You Recently Watched?

I tend to go months at a time without watching any movies, then watch several in a short period. In chronological order: Lady Bird: I wouldn't necessarily rave about it the way some critics have, but I enjoyed it a lot and recommend it, particularly for Saoirse Ronin and Laurie Metcalf. Pitch Perfec...
by MandyT
Sat Jan 13, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20475

Re: Anyone disenchanted with retirement?

Hey all - As I'm reading through all the replies, it seems as though many are staying busy with their daily, non working, lives. As I think about early retirement, would you mind shedding some light on what exactly keeps you busy all day long ? Thanks, Working (for now) I have officially been retir...
by MandyT
Sun Jan 07, 2018 7:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 310
Views: 46815

Re: Roll Call for the Retirement Class of 2017!

January 3 - it’s been exactly one year since I walked in and signed my paperwork and retired from my position of 36-1/2 years. Still hasn’t completely sunk in. Well, when it sinks in, could you please let us know if you ever figured out why there's a 20-pound frozen turkey up in the light grid? :D ...
by MandyT
Thu Jan 04, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9745

Re: Plow Guy Raised Rates

My wife and I ate out last night, found out we couldn't use our coupon although I saw no disclaimers, did I blow a gasket, start cussing at the waiter and go postal? No..$10 no big deal, who cares. Still gave a good tip and most important a great time with my wife. I would never start a cock fight ...
by MandyT
Tue Dec 19, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me understand the SS - WEP (Windfall Elim. Provision)
Replies: 5
Views: 543

Re: Please help me understand the SS - WEP (Windfall Elim. Provision)

Hi BH's. I work for State Govt, we have a DBP (pension funded by state govt). and 401k, 457B (govt). I am paying into SS as they are deducted on my pay check. Please correct me if I'm wrong, but it looks to me as if the WEP only applies if the government pension is from a job that is not subject to...
by MandyT
Fri Dec 15, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: [UPDATED 1/26/2018 ] 55+ Early retirement offer.
Replies: 90
Views: 13043

Re: 55+ Early retirement offer.

Based on what you've posted previously, you should absolutely take advantage of this. I predict that you'll look back on this as a windfall and a blessing.
by MandyT
Fri Dec 15, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 80
Views: 8376

Re: Done gone and did it [Retire]

C'mon in, the water's fine! :D

I have every confidence that you've thought things through from the perspective of finance as well as other aspects of your life. I hope you enjoy retirement as much as I have so far, which is A LOT. :sharebeer
by MandyT
Thu Dec 07, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 12277

Re: After financial independence, do you lose motivation for work?

One can choose to either let those beefs eat at you, or you can choose to ignore it and carry on. Whenever I hear the same sort of frustrations voiced from colleagues, I choose to not engage in the discussion and deflect the topic, or manage to wiggle free and walk away into a more positive space o...
by MandyT
Tue Nov 28, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 10241

Re: What did you do right?

Although it's hard to tell without visiting any alternate universes, these are the financial decisions I'm happiest about: (1) Living below my means and staying out of debt. (2) Renting (apartments) long-term. There has been a lot of peer pressure telling me to buy a house, which I've ignored. When ...
by MandyT
Sat Nov 25, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4606

Re: Trip to Hawaii - what do I need to know

I went to Maui in the summer of 2009 because there was a sale that was just too good to pass up. For me, I think it worked out ideally. The west side of the island is built up enough that I had all of the services and comforts I wanted/needed, but it still had a relaxed feel. I stayed on the north e...
by MandyT
Sat Nov 25, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 11429

Re: What are the things you want to do between 55 and 65?

I have this bad habit of writing posts, deciding that they're too long/not interesting enough, and deleting them before submitting. Anyway, in a nutshell, here are my main priorities for things to do before age 65. (I retired summer 2017 and am now 56.) (1) Play (and sing) in musical groups. My hand...
by MandyT
Sun Nov 12, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 3676

Re: Bitcoin: Significance of 12 transactions per second?

There is basically a civil war within the Bitcoin community right now. I don't think anyone can truly know how it will shake out. If you are participating in the crypto market the safest thing to do is own both coins in proportion to their market cap so that you are agnostic as to which side wins T...
by MandyT
Thu Nov 09, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1829

Re: Auto Insruance Payment

Hockey10 wrote:
Wed Nov 08, 2017 4:57 pm
I pay USAA monthly with a credit card. There are no extra charges for using a credit card, and they give you a discount if you are on auto-pay.
This. Though about a year ago I paid my outstanding balance to help make the minimum spend on a new credit card.
by MandyT
Tue Nov 07, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 17275

Re: What was the main reason you retired?

The main reason I retired at the time I did was an unusual situation that made "one more year" not an option. A change in retiree insurance was announced to be effective 1-1-18. Anyone retiring by 12-31-17 would be eligible for retiree medical insurance as long as they were eligible to retire (age 5...
by MandyT
Tue Nov 07, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 8451

Re: Does Retirement Make You Lazier?

One thing I've noticed is that retirement has made me more patient. One of my biggest pet peeves used to be when people would waste my time needlessly--it doesn't bother me so much now. Curiously, for me it's the opposite. When I was working, wasted time was something I had to plan for and work wit...
by MandyT
Mon Nov 06, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 8451

Re: Does Retirement Make You Lazier?

In statistics, I think age would be what's called a "confounding variable" in that people who get older are more likely to retire and are also more likely to have decreased physical stamina. I'm a recently retired 56-year-old who (thankfully) is still pretty energetic physically, so maybe I'm a good...
by MandyT
Thu Oct 19, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 37
Views: 2814

Re: Data Use on Smartphones

I.2GB of data per year. I saw an offer for a Samsung Galaxy J3 Luna Pro 16GB 4G LTE 5" screen smartphone for around $90 and it comes with 1200minutes/1200texts/1.2GB data for one year. I don't own a smartphone and was wondering if 1.2GB of data would be enough if I was to use the smartphone, not on...
by MandyT
Sat Sep 30, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 17056

Re: Why do you LBYM? Why do you save and invest?

The question on this topic is why some American save and invest while average American don't? So far, the popular answers are: A) Family influence B) Bad boss/job C) Experienced a recession and/or job loss. KlangFool I believe another popular answer has been D) Wired that way (which I think is "nat...
by MandyT
Tue Sep 26, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 55953

Re: Any books really change your outlook on life?

Again, I applaud you for your personal development. In my experience, individuals with ASD are very special people who could definitely teach the typically developing, yet highly dysfunctional world, a thing or two. In attempting to "fit in", I would caution you to remember that your uniqueness is ...
by MandyT
Tue Sep 26, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 55953

Re: Any books really change your outlook on life?

Shadow Syndromes by Ratey and Johnson. The description of mild, subclinical manifestations of symptoms along the autism spectrum were an eye-opener. I spent many years being blind-sided by enemies I didn't know I had, that I had made because of social errors. Over the last 20 years or so, I worked ...
by MandyT
Tue Sep 19, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 7774

Re: USPS lost very important certified mail - What next?

My bank once advised me of the time limit on stop-payment checks, and said that the only way to be absolutely certain it would not eventually be cashed was to close the account it was drawn on. If this, as I suspect, is a "Cashiers Check" (or equivalent) - then it is not drawn on an account that ca...