Search found 24 matches

by RetiredMule
Tue Sep 12, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46994

Re: Equifax customer information leak

Yesterday, I received a Tax Return Transcript in the mail from the IRS for Dec 2016. Neither I, my wife, nor our accountant requested it. -Bill I would setup an "identity protection pin" with the IRS. I just tried to see what it takes to get the "Identity Protection (IP) PIN" from IRS...ironically,...
by RetiredMule
Sun Sep 10, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 31983

Re: Can't freeze credit at Experian?

Same thing happened to me. I immediately tried again and got the same error message, no verification questions. Tried one last time, maybe 30 min had passed simce 1st attempt, and it gave me a new set of verification questions and finally processed the request to freeze. Ditto happened to me - 3 tr...
by RetiredMule
Fri Sep 08, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3094

Re: Evaluating new job offer

I accepted the offer :sharebeer Congrats! I echo the sentiments made by deanmoriarty and a few others who know the tech area; the danger of becoming obsolete in one's profession is very real in tech industry unless one keeps constantly updating skills and stays relevant to employers. Most of the fo...
by RetiredMule
Fri Aug 25, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9028

Re: Living Expenses - what's "reasonable"?

"Reasonable" is personal. Here is my idiosyncratic example. I don't particularly like eating out and I eat healthfully. Earlier in August I spent two weeks in Barcelona where I was buying blackberries and raspberries for €1.50 per pint. I was staying at a hostel which had a large refrigerator and s...
by RetiredMule
Fri Aug 25, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9028

Re: Living Expenses - what's "reasonable"?

My response to the OP is that how much you spend in retirement depends a lot on what you spent (and how you spent it) before retirement. It also depends on your spouse if you have one, and his/her spending habits. It also depends on whether or not you're the kind of person who pays for your grandch...
by RetiredMule
Fri Aug 25, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9028

Re: Living Expenses - what's "reasonable"?

I think it may be more reasonable to break down the essential category, since their is so much variation. But even then, there can be overlap on items, for example, food. Some don't eat out a lot, others quite a bit. Perhaps following would help people trying to better plan?: Qualify if LCOL, MCOL,...
by RetiredMule
Thu Aug 24, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9028

Re: Living Expenses - what's "reasonable"?

If you like travelling look into "credit card churning".. I've accumulated millions of airline miles for nearly free over the past ten years. Wow! Millions of miles mostly free? You MUST be a real guru at this! 8-) I'm a miles junkie too, though most of my miles have been from actual travel (person...
by RetiredMule
Thu Aug 24, 2017 12:48 am
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5782

Re: I did it and feel great about it (paid off mortgage)

Congrats, Steven in NC!

It's a great feeling when you're debt free, and mortgage is the biggest one of all debts for most people - enjoy that "debt-free" feeling hopefully for the rest of your life!
by RetiredMule
Thu Aug 24, 2017 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a house around San Jose, CA
Replies: 36
Views: 3568

Re: Looking for a house around San Jose, CA

On Bay Area housing in general, San Jose in particular: A good friend of mine, a real estate agent, is a long time resident (35+ years) of the SF Bay Area, and she tells me that the boom-bust cycles in SF Bay Area happen once every 7-10 years; we're now almost 5 years into the boom cycle that starte...
by RetiredMule
Wed Aug 23, 2017 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1706

Re: Transferring Work Locations - Cost of Living Decrease?

BeneIRA, I used to work for a megacorp that in fact had a cost-of-living adjustment pay defined as a 7.5% bump when employees were transferred(or voluntarily moved) from their usual MCOL sites to HCOL sites - but, limited to certain pay grade and below only. My question to you: Have you considered t...
by RetiredMule
Wed Aug 23, 2017 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9028

Living Expenses - what's "reasonable"?

Dear BHs, I've been looking at a variety of posts on retirement related topics where people ask if they're saving enough/saved enough to retire now/expected yearly expenses in retirement etc. It is always interesting to go through the specifics people post, and I have always wondered about the wide ...
by RetiredMule
Tue Aug 22, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: 33 years old, how am I doing ?
Replies: 54
Views: 8190

Re: 33 years old, how am I doing ?

Jaferd, You do not show how much your housing expenses are (prop tax, ins etc.) and if those are in addition to the 4K/mo household expenses you state. Your house is paid off (almost), and you have pretty good after tax savings etc., so, when you scale down to 1/2 time you say you'd have an annual i...
by RetiredMule
Fri Aug 18, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 12264

Re: Is it worth it? [demanding jobs vs time with family]

4) Esp. in hi-tech sectors: the extra hours of efforts are needed to create/develop and bug/productize ideas very fast, as competition (other companies) is not standing still! Such professionals are usually the crème of their companies' employees too. Bottom-line: for most creative type professiona...
by RetiredMule
Fri Aug 18, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 12264

Re: Is it worth it? [demanding jobs vs time with family]

OP, 1) Is working 60 to 70 hours per week good for your career and professional advancement? IMHO, the answer is no. You spent too much time working as opposed to learning and growing. It makes more sense to work 40 hours per week and use the other 20 hours to study. 2) Is it financing rewarding fo...
by RetiredMule
Fri Aug 18, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 12264

Re: Is it worth it? [demanding jobs vs time with family]

OP (vk8216)'s post: I read the post as asking for others' experiences and choices they made w.r.t raising kids while working fulltime (or even more); I don't think she asked for necessarily "condescending advice" on what they (OP and husband) should be doing. It is painful to see others judging a ha...
by RetiredMule
Mon Aug 14, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income to buy a car is not excessive?
Replies: 48
Views: 3721

Re: What % of income to buy a car is not excessive?

I am pretty sure this topic has been beaten to death but..... What are some of you guys' thoughts on % of income that you can spend on a car? Let's assume based on post-tax take home income. Before getting to the $ figure, I'd consider the following as my key criteria in selecting a car/vehicle: 1)...
by RetiredMule
Mon Aug 14, 2017 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6585

Re: Expect to spend $2.6M on healthcare?

Thanks to Sheepdog for putting out some real #s, though they're very specific to the couple and are from the past years. Others have commented on the extrapolation to this $2.6M number, so, no additional comments from me on that specific number. In general though, I think the financial investment ou...
by RetiredMule
Mon Aug 14, 2017 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 2076

Re: Rent Out or Sell My Condo...

A few more factors need to be figured into arriving at a decision, IMO. Things like rentability (strong rental demand?), your tax brackets/AGI, your longer term outlook on income potential, your possible return to live in this condo in future etc. I'd assume there are many experienced landlords here...
by RetiredMule
Sun Aug 13, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7118

Re: How does personal wealth affect job hunting?

Once you have the wealth/FI, a couple more things to consider: one's hobbies/pastimes. In my case: 1) I really LOVE to travel, and wanted to travel to a lot of different places/countries before my health/fitness goes down - a HUGE factor in deciding to retire, esp. since one can't be sure about heal...
by RetiredMule
Sun Aug 13, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7118

Re: How does personal wealth affect job hunting?

Hi KlangFool, I've read many of your posts and appreciated your commonsense and wise responses to a lot of other posters' questions. I retired early (at 57) 3 years ago, primarily due to C and D, in that order - though I was making really great money as a senior engineer ("Platform Architect") in a...
by RetiredMule
Sat Aug 12, 2017 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7118

Re: How does personal wealth affect job hunting?

Hi KlangFool, I've read many of your posts and appreciated your commonsense and wise responses to a lot of other posters' questions. I retired early (at 57) 3 years ago, primarily due to C and D, in that order - though I was making really great money as a senior engineer ("Platform Architect") in a ...
by RetiredMule
Fri Aug 11, 2017 12:05 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31553

Re: Your USER NAME...what does it mean?

Mine is meaningful to me in two ways:
1) R and M are the initials of my name
2) Like many of us who have worked and retired, I've been carrying too many financial burdens, with some off my back now. A bit happier now that I'm retired, though on a paper-thin margin, too close for comfort :wink:
by RetiredMule
Thu Aug 10, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need a trust?
Replies: 55
Views: 5789

Re: Do I really need a trust?

Thanks WoodSpinner for posing this question to the BH forum! I've been a longtime lurker, recent member. Very interested in the responses from fellow BH brains, as I have been meaning to ask the same question. I also live in the same state (CA) as OP ; my estate is much smaller, in the low 7 figures...
by RetiredMule
Sat Oct 01, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: help starting fresh from years of financial disaster
Replies: 29
Views: 4001

Re: help starting fresh from years of financial disaster

Congrats to you nestor400 for having started on the right course for the future and a career with great earnings potential! As a guy who has made many huge mistakes in investing over my 26 years of investing life, I'd say you're definitely on a great investment/retirement planning path if you pursue...