Search found 66 matches

by Soul.in.Progress
Fri Dec 15, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today; starting to see impact of compounding over time
Replies: 11
Views: 2000

Re: Hit a milestone today; starting to see impact of compounding over time

Fantastic!

I agree that your mindset is great for your goals, and it’s good that you found a like-minded significant other. Keep up the great work :D
by Soul.in.Progress
Fri Dec 15, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 2703

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

In the prior years, we have done it in January sometime. Now we are FIRE so not sure of 2018 strategy yet for IRA.
by Soul.in.Progress
Wed Dec 13, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 114
Views: 6058

Re: How much did you contribute to your 401k in 2017?

Both my spouse and I contributed the max to our 401k. We are both 46. Both of also received (just like in past years) a large amount in employer contribution to our 401k’s on top of the money we contributed ourselves.
by Soul.in.Progress
Wed Dec 13, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5450

Re: Can we afford to live on one income?

OP, I agree with others that you can do it, especially since it aligns with what you and your wife want. It may feel tight at times because, in our experience, we have seen expenses grow much higher than we thought with kids. Also, I don’t see any mention in this thread (unless I missed it) about co...
by Soul.in.Progress
Sat Dec 09, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 71
Views: 8749

Re: Retire in my early 40s? Crazy or actually doable?

I support your choice. Of course I’m biased because I did ER this year and have loved every minute of it :D

Enjoy what you’ve worked and saved for!
by Soul.in.Progress
Fri Dec 08, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 89
Views: 5861

Re: Quit jobs to gain lower EFC

OP,

Do you have any investment money outside of retirement accounts? In other words, do you have any investment money in taxable accounts or CDs, etc? If not, will you live solely off the pension money in your 50’s and until Medicare?
by Soul.in.Progress
Tue Nov 21, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 9277

Re: Beware Amazon Price Gouging

Thanks for the warning, Alexa9.

When I read your post I found it kind of ironic that ‘Alexa’ was warning customers about Amazon :mrgreen:
by Soul.in.Progress
Tue Nov 21, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5818

Re: Uber for someone who knows only taxis

Also, to the poster who asked why you have to verify the car, there have been news stories of drivers who have “posed” as Uber drivers in Uber-frequented areas (think outside a night club in wee hours of the night), hoping to pick up inebriated females. One such case, IIRC, involved a female who was...
by Soul.in.Progress
Tue Nov 21, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5818

Re: Uber for someone who knows only taxis

Nisi, I have used Uber both domestically (in the US) and internationally. Super convenient app, and the model is a brilliant use of today’s technologies. Have never used Lyft but intend to get that app too. Some additional things to offer that I didn’t see mentioned previously in this thread: If you...
by Soul.in.Progress
Tue Nov 21, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1116

Re: Daycare Parting Gift

I vote no. If you truly appreciate the care they provided for your child, then give them something that they would appreciate or make them happy, not something that would make you happy.
by Soul.in.Progress
Sun Nov 19, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Can anyone help me with details on Portland Oregon Trip?
Replies: 14
Views: 627

Re: Can anyone help me with details on Portland Oregon Trip?

OP here. Thank you all for the feedback!! They are exactly the insights I was seeking :) We will take these suggestions into account for sure, and will adjust accordingly. And I continue to welcome additional comments. stlutz, we are not from a landlocked state; we have both the coast and mountains ...
by Soul.in.Progress
Sun Nov 19, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5804

Re: How much do you budget for vacation?

I always like this topic, because vacations are fun to talk about! Here are some prior threads that are similar: https://www.bogleheads.org/forum/viewtopic.php?t=207442 https://www.bogleheads.org/forum/viewtopic.php?t=153028 https://www.bogleheads.org/forum/viewtopic.php?t=84827 https://www.boglehea...
by Soul.in.Progress
Sun Nov 19, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Can anyone help me with details on Portland Oregon Trip?
Replies: 14
Views: 627

Can anyone help me with details on Portland Oregon Trip?

Hi all, I’ve read some prior posts on Portland Oregon, but am racking my brain trying to plan a trip that will work for us. Other posts seemed to have different needs/goals. Would love any help!! We’ve never been to Oregon, and although it seems like one needs way more than a week to enjoy western O...
by Soul.in.Progress
Thu Nov 16, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37777

Re: Did you tell anyone you paid off your mortgage?

I am in the camp of not telling anyone except posting here. In my experience, anything that makes someone feel “less” than you has the potential to trigger insecurities (if they have them), or possibly jealousy, or as others have stated, biased expectations for monetary loans, gifts, picking up the ...
by Soul.in.Progress
Mon Nov 06, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15455

Re: What was the main reason you retired?

Today is my first day of retirement :). Reasons are below: My primary reasons : 1) Hit your number , 5) Wanted to pursue a hobby (my “hobby” involves a social/community service goal that I have) 9) Felt there were things you wanted to do before you got too old (a family member’s health issue helped ...
by Soul.in.Progress
Mon Nov 06, 2017 10:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 279
Views: 38691

Re: Roll Call for the Retirement Class of 2017!

Well, I guess the day is here, it hasn’t completely sunk in yet....! I gave my notice over two weeks ago at megacorp, and after 25 years of service (at the same company), I have actually retired! Today is my first non-working day :). Admittedly, it feels a bit strange, but I think I’ll have no probl...
by Soul.in.Progress
Tue Oct 31, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Portugal Trip, any suggestions?
Replies: 38
Views: 2132

Re: Portugal Trip, any suggestions?

Another vote for Sintra :). It was the highlight of my visit to Portugal. Can be a day trip from Lisbon, if you wish.
by Soul.in.Progress
Fri Oct 27, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Jan/Feb?
Replies: 25
Views: 2220

Re: Vacation ideas in Jan/Feb?

Tampa and Clearwater are nice options. With a six year old, Bush Gardens that is not too far from there is wonderful!!
by Soul.in.Progress
Fri Oct 27, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 91
Views: 13393

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

Thank you Taylor and Mel, this is wonderful news and I look forward to reading it and gifting it to family and friends :happy
by Soul.in.Progress
Wed Oct 25, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4305

Re: How to get over the fear of traveling without spouse and children?

I think it’s great that you have the opportunity to travel with your mom, as well as the personal desire and your husband’s support! At the same time, we all have fears, and as a mom I can totally relate to how the “risk of death” perspective eerily changes after having kids. I am a certified scuba ...
by Soul.in.Progress
Wed Oct 25, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Life in AMT Hell (or, How I Learned to Keep Worrying and Hate the Exemption Phaseout)
Replies: 65
Views: 8358

Re: Life in AMT Hell (or, How I Learned to Keep Worrying and Hate the Exemption Phaseout)

Following this thread because we’ve been in AMT hell and exemption phaseout for many years. Livesoft’s threads on paying low taxes with a solid income, while very helpful and instructive, are for us a dream that’s not attainable with our current W2 employment status. Am curious as to what insights t...
by Soul.in.Progress
Wed Oct 25, 2017 6:38 am
Forum: Investing - Help with Personal Investments
Topic: I just want to invest 200k and get 3%
Replies: 20
Views: 5341

Re: I just want to invest 200k and get 3%

Basically you're saying "I 'just' want to get about 1% more than the going rate." A quick check on 5-year CDs is showing 2.35% at Synchrony, 2.25% at Ally, to mention two often-mentioned internet-only banks that are well-known for pretty good rates. Why did you decide that "3%" is what you want? Is...
by Soul.in.Progress
Tue Oct 24, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 11755

Re: Can one have too much money in tax-deferred

I think looking at RMDs will be useful, but there are so many other things in play. At 44, and with ~$1M in tax deferred, I ran some RMD scenarios. If we didn't put another dime into our tax deferred, and it grew at 4-6% per year, we would have an RMD at 70.5 of as much as $180K/yr. Inflation adjus...
by Soul.in.Progress
Sat Oct 21, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: just hit the two comma club today...some thoughts
Replies: 37
Views: 5728

Re: just hit the two comma club today...some thoughts

Fantastic!! Celebrate and keep it going :) I agree with Grt2bOutdoors, that was certainly true for our case. Most millionaires did not get there by luck, windfalls or inheritances. They arrived by taking little steps that compounded into giant great leaps over time with occasional bumps in the road.
by Soul.in.Progress
Thu Oct 19, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 55289

Re: Retirement Account Stolen by Identity theft

I don't know about the rest of you, but I am profoundly concerned that none of the brokerage firms provide a solid guarantee that you will be made whole in the event of fraud. To say that they will reimburse the customer if the account is compromised through no fault of the customer does not provid...
by Soul.in.Progress
Wed Oct 18, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Europe vacation, family of 5
Replies: 15
Views: 1510

Re: Europe vacation, family of 5

We just did this trip with our family of five. We had good luck using booking.com, found some lovely places! We did subways within the cities, which was fun, efficient, and good learning for the teens. We also have, in the past, done a rental car that seated 6-7 (we had 5 people but the extra space ...
by Soul.in.Progress
Mon Oct 16, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 34
Views: 3521

Re: Buying 2017 Honda CR-V

We found this website helpful when we were shopping for a new Honda: www.tellmethebest.com This time of year, you have leverage for a new 2017. I think most websites say the last two days of the month, you have even more leverage. When you determine the exact model and trim you want, then use the we...
by Soul.in.Progress
Fri Oct 06, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11706

Re: Millionaire Next Door (Thank you Bogleheads)

Yay for your hard work and steady efforts to get you to this milestone!

Keep on keepin’ on!

Make sure you also do the protective measures that are often discussed on this board.
by Soul.in.Progress
Fri Aug 25, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I abandon airline credit cards for cash back?
Replies: 34
Views: 3191

Re: Should I abandon airline credit cards for cash back?

I gave up many years ago - now I just go with 2% cashback. The only thing I do now is occasionally sign backup for the one-time introductory bonuses (then cancel before a yearly fee kicks in). +1. This is the decision we also made a few years ago. In general, the hassles of trying to use FF miles w...
by Soul.in.Progress
Sun Aug 20, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 499
Views: 47441

Re: Picking College and College Scholarships

Yes there is a correlation. The research I have seen suggests it is due to the kinds of kids these schools attract, not what the college provides to the kids. The causation is reversed. The kind of person you are at 18 has a huge causal impact on both the kind of college you go to and the kind of e...
by Soul.in.Progress
Tue Aug 15, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3710

Re: What kind of hotel do you get on business travel?

I get put up in Starwood, Marriott, Westins, Intercontinental, and occasionally Hilton family. Company travel policy is pretty generous, or in other words, our company has not yet tried to cut costs in that area. 8-)
by Soul.in.Progress
Tue Aug 15, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16194

Re: How far would you travel to see The Eclipse?

We are traveling about 100 miles to see it, taking the day off work and taking our three children since their school has not started yet. Super excited! Planning to go to a small town within the path of totality, not a major town. Aiming for the center line, but that will depend on traffic. Hoping f...
by Soul.in.Progress
Sun Aug 13, 2017 9:02 am
Forum: Forum Issues and Administration
Topic: OP - please delete all posts by TomatoTomahto
Replies: 11
Views: 2032

Re: OP - please delete all posts by TomatoTomahto

Oh please no!! TomatoTomahto, you're one of the most respected BH posters in my opinion. I understand your disappointment, but I love being able to re-read your past posts filled with wisdom, humor, insights, and perspectives. Not to mention I hope to see many more posts from you!!
by Soul.in.Progress
Fri Aug 11, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3350

Re: Feeling guilty about travel expenses

What is your age? Also, do you have debt? If not, then from what you've posted, it appears that you are living below your means, and are using leftover amounts to both invest and take trips, albeit weighting the latter more than the former. That's certainly a personal choice, but I'd be interested i...
by Soul.in.Progress
Fri Aug 11, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Opinions Needed - Are We Good?
Replies: 32
Views: 3046

Re: Opinions Needed - Are We Good?

OP and wife, we're going through a somewhat similar situation. I understand both your excitement for pulling the plug, and also the concerns (unknown future healthcare insurance options and costs, etc.), and I'm in the camp cheering you on! Congrats on not only a high level of earning, but also savi...
by Soul.in.Progress
Sun Aug 06, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 26382

Re: A poll: How much money do you want to retire?

For the longest time, I felt our goal for retirement or FIRE was $3M in investments, plus a paid off home, plus additional (counted separately) funding for 3 college educations (4-yrs public in state costs is what we saved for). However, we've recently passed that number and yet there are so many un...
by Soul.in.Progress
Tue Jun 27, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9689

Re: Middle age job blues

skor99, Thanks for your post, it is a good topic. You are most definitely not alone. After decades of what I consider a pretty successful and personally satisfying career, I am (and have for at least a year) experiencing mid-life career existential angst. This too in an area/industry that I love. Fo...
by Soul.in.Progress
Tue Apr 25, 2017 9:01 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 44442

Re: Larry Swedroe says "Goodby."

Thank you, Mr. Swedroe for all of your contributions to this field. I personally will miss your wisdom on this forum, but I respect your decision.
by Soul.in.Progress
Tue Apr 25, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: TreasuryDirect.gov down?
Replies: 2
Views: 399

Re: TreasuryDirect.gov down?

I used it successfully about an hour ago (from my home in the US) :D
by Soul.in.Progress
Tue Apr 25, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14805

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

OP here, and I want to thank everyone who responded to this thread. Although my gut was telling me it would not generally be a good idea to speak badly about my boss, my current toxic situation caused me to post, and this thread gave me many new, additional perspectives to think about. As I contempl...
by Soul.in.Progress
Wed Apr 19, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14805

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Wow. I continue to be impressed by the wisdom and experience, and generosity with helpful insights, that folks on this forum provide. All replies have been very helpful to me, and I thank each who has replied. One additional piece of information, is that in my current situation, I believe (based on ...
by Soul.in.Progress
Wed Apr 19, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14805

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Ok, so a recent thread and the responses in it were so highly intriguing to me that I felt compelled to post. I'm an introvert, and this is my first post. I've been a long time lurker and have always appreciated the collective wisdom of Bogleheads! ... Because nothing remains a secret for long in a...
by Soul.in.Progress
Wed Apr 19, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14805

Why never speak badly about boss? [Need Bogleheads' wisdom]

Ok, so a recent thread and the responses in it were so highly intriguing to me that I felt compelled to post. I'm an introvert, and this is my first starting of a thread [edited because I incorrectly said first post, but I meant first thread start :oops: ]. I've been a long time lurker and have alwa...
by Soul.in.Progress
Sun Apr 09, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 13259

Re: High Income earners, whats your Tax Strategy?

My best tax strategy was to set up my own business. I employed myself and DW. We could put increased amounts in a solo 401k and profit sharing plan. I could deduct expenses that I would otherwise be unable to deduct. Also after paying myself a reasonable income for someone in my field, additional i...
by Soul.in.Progress
Fri Mar 17, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 11426

Re: $464.12 dinner bill last night. No regrets.

I agree that this is a great story, thanks for posting OP.

I liked your provocative title, too!
by Soul.in.Progress
Fri Mar 17, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: How do you cope with regret over selling too soon?
Replies: 57
Views: 4240

Re: How do you cope with regret over selling too soon?

Stop beating yourself up. There are few that wouldn't wish to change a myriad of decisions that we have made in the past both financial and personal. None of us can predict the future and must simply do the best we can at the time. Before I became a boglehead I made some bone headed ignorant decisi...
by Soul.in.Progress
Thu Mar 16, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%
Replies: 60
Views: 7424

Re: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%

All:

Some (hopefully reliable) good news: I just talked to a manager at AFCU today and she mentioned that the 3% CDs would be coming back very soon. She said they were coming back by popular demand! So, stay tuned :)

The party may start up again real soon :sharebeer !!
by Soul.in.Progress
Sat Mar 04, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Climate and happiness revisited
Replies: 111
Views: 8826

Re: Climate and happiness revisited

We did the move for better weather, exactly for the reasons you described. From a state with very very similar climate as yours. It took awhile to reach that decision, but once we did and settled in a much warmer state, let me tell you: Best.Damn.Life.Decision.Ever. Now, some other details: - We wer...
by Soul.in.Progress
Sun Feb 12, 2017 8:44 am
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 4110

Re: welcome home bogleheads.org

Yes, thank you Larry for all of your support, it is much appreciated!
by Soul.in.Progress
Tue Feb 07, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Disney Cruise instead of Disney World?
Replies: 45
Views: 5085

Re: Disney Cruise instead of Disney World?

We've been talking about a trip to Disney World for this summer. Our only child is 7. (he's also small for his age if that's a factor, 46 pounds and 48 3/4 inches tall) We haven't planned much yet, there's a ton of decisions to make, etc. The local paper ran a story about Disney cruises a few weeks...