Search found 607 matches

by Wannaretireearly
Sat Sep 17, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis? [Consumer related]
Replies: 103
Views: 9987

Re: Did you have a Mid Life Crisis?

I had some heath concerns in there too, which probably accelerated/extenuated my mid-life crisis as well. They are resolved, so my need to go crazy has eased a little. 1) Spent a couple years dating women 1/2 my age. Sometimes more than one at a time. While it is fun being 42 and dating an 18 year ...
by Wannaretireearly
Tue Jul 05, 2016 6:40 pm
Forum: Investing - Theory, News & General
Topic: TRD's, Asset Allocation & a bit of frustration!
Replies: 5
Views: 490

Re: TRD's, Asset Allocation & a bit of frustration!

Thanks for the responses! Sorry for the delay with responding. I like the idea of the Vanguard LifeStrategy growth fund (VASGX. AA: 80/20). But I don't think its an option in my 401k. Probably will just move from TRD 2045 to TRD 2035, as suggested. Let me know when there is a RGD (good day) to make ...
by Wannaretireearly
Fri Jul 01, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: TRD's, Asset Allocation & a bit of frustration!
Replies: 5
Views: 490

TRD's, Asset Allocation & a bit of frustration!

Hope this doesn't become rambling, I'm essentially trying to figure out the best TRD fund (or approach) for me. I'm currently all in with Vanguard TRD 2045 for all 401k accounts (his and hers). 1. For the purposes of this post, assume I don't have any other funds. i.e. the TRD fund would be the same...
by Wannaretireearly
Thu Jun 02, 2016 9:31 pm
Forum: Investing - Theory, News & General
Topic: I like my CA long term tax exempt fund! (VCLAX)
Replies: 16
Views: 1828

Re: I like my CA long term tax exempt fund! (VCLAX)

malabargold wrote:Bond fund that holds 8% junk, state with massive
/insurmountable obligations, and a rising interest rate future.
Hey, what's not to love, right?
Like bending down to pick up a quarter in front of a steamroller?


Thanks Malabargold ;) appreciate your honestly.
What bond approach would you choose?
by Wannaretireearly
Thu Jun 02, 2016 12:59 am
Forum: Investing - Theory, News & General
Topic: I like my CA long term tax exempt fund! (VCLAX)
Replies: 16
Views: 1828

Re: I like my CA long term tax exempt fund! (VCLAX)

Chx: just sayin' in the context I used it was a phrase used to diffuse any ill feelings caused by the preceded remark. Second meaning here: http://www.urbandictionary.com/define.php?term=just%20sayin%27 Chinook: your meaning is closer to the first definition above. Not what I meant in my context tho...
by Wannaretireearly
Thu Jun 02, 2016 12:45 am
Forum: Investing - Theory, News & General
Topic: I like my CA long term tax exempt fund! (VCLAX)
Replies: 16
Views: 1828

Re: I like my CA long term tax exempt fund! (VCLAX)

Thank you jhfenton & rnitz for your insightful comments. I will come back and review your detailed feedback over time.
by Wannaretireearly
Wed Jun 01, 2016 7:15 pm
Forum: Investing - Theory, News & General
Topic: I like my CA long term tax exempt fund! (VCLAX)
Replies: 16
Views: 1828

Re: I like my CA long term tax exempt fund! (VCLAX)

I don't hold any bond funds in tax advantaged. I do hold a TRD fund & small cap funds though, in tax advantaged
by Wannaretireearly
Wed Jun 01, 2016 5:58 pm
Forum: Investing - Theory, News & General
Topic: I like my CA long term tax exempt fund! (VCLAX)
Replies: 16
Views: 1828

I like my CA long term tax exempt fund! (VCLAX)

Vanguard California Long-Term Tax-Exempt Fund Admiral Shares (VCLAX) Just sayin'. Peeked at 1 year & YTD performance. Seems all ok really. Been thru some tough times with this fund but has come thru nicely. I dont have enough % in Bonds overall for my age, but will fix that over time. ACTIONABLE...
by Wannaretireearly
Sun May 29, 2016 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Key West and everglades trip
Replies: 41
Views: 3929

Re: Key West and everglades trip

So we're off to FL next week! Planning to book this day trip to the keys (so I don't havery to drive!): http://m.viator.com/tour/miami/key-west-day-trip/5-5221KEYWEST/overview.htm Let me know if anyone has any further input. We've staying 3 days in miami and 3 days in Fort Lauderdale. Any other fun ...
by Wannaretireearly
Wed May 11, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Breaking into executive management (SF Bay area)
Replies: 6
Views: 1618

Re: Breaking into executive management (SF Bay area)

Thanks for all the replies. 1. I would be looking for Director/Snr. Director roles if possible. Ideally small/medium company as other have said to be a "bigger fish in smaller pond". Like to work hard/play hard - and really enjoy working with and driving delivery teams. Even though i was t...
by Wannaretireearly
Tue May 10, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Breaking into executive management (SF Bay area)
Replies: 6
Views: 1618

Breaking into executive management (SF Bay area)

I'm finding it tough for the first time in my career to get to my "next position". I am currently a Sr. Manager at a bay area tech firm (tech/dev/consulting/PM background - 16 years). Given there are fewer IT/Tech leadership roles available than IC roles, I think I need some Bogleheads hel...
by Wannaretireearly
Fri Mar 18, 2016 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Living off dividend income
Replies: 44
Views: 7285

Re: Living off dividend income

Depressing, right? That's why people are so glum about the current environment. Yes the gains have been nice, but at the expense of future returns. The consensus is that we are entering a low return environment for the next decade or two. Hopefully that turns out to be wrong, but it looks highly li...
by Wannaretireearly
Sat Mar 05, 2016 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of health and cost of living (retirement)
Replies: 19
Views: 2040

Re: Cost of health and cost of living (retirement)

Sigh. The more i think about this the happier i am to have a passport to a country with universal (free) healthcare.
The sad thing is the US will get to Universal healthcare eventually - just maybe not in enough time for our retirements....
by Wannaretireearly
Tue Feb 16, 2016 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Key West and everglades trip
Replies: 41
Views: 3929

Re: Key West and everglades trip

Thank you all!!
The weather in June is concerning. Maybe bahamas will be a better option with kids from FL??
by Wannaretireearly
Fri Feb 12, 2016 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Key West and everglades trip
Replies: 41
Views: 3929

Key West and everglades trip

Folks, will be in FL first week of June.
Been to Fort Lauderdale and Miami a few times. This time want to venture out.

Staying in key West for a couple of nights (sheraton).
Want to visit everglades.
Two kids in tow 5 and 7

Tips? Advice?
by Wannaretireearly
Mon Jan 25, 2016 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Resume tips: Leadership/Management levels
Replies: 6
Views: 1130

Re: Resume tips: Leadership/Management levels

Thank you tennisplyr & rcsracing
by Wannaretireearly
Sat Jan 23, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Resume tips: Leadership/Management levels
Replies: 6
Views: 1130

Re: Resume tips: Leadership/Management levels

Thanks for the strategy tip! Any others opinions? :sharebeer
by Wannaretireearly
Fri Jan 22, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Resume tips: Leadership/Management levels
Replies: 6
Views: 1130

Resume tips: Leadership/Management levels

Happy Friday BH's, As I recently (last couple of years) have gone into leadership/management, I need some tips advice on how to best craft my resume for the next level roles (Director/Sr. Director). Any tips/hints? Either personal experience or perhaps specific sites or links for leadership position...
by Wannaretireearly
Mon Jan 04, 2016 12:44 am
Forum: Personal Consumer Issues
Topic: How do you keep your young kids busy/occupied?
Replies: 37
Views: 3287

Re: How do you keep your young kids busy/occupied?

7 and 4 year old boys. Today's activities: Golf driving range this AM with 7 yr old Family trip to bowling alley in PM (we all loved this) Bike ride with 4 yr old Plenty of alone time for both Some device time for both :twisted: Good luck. We wish to have more play dates when possible. Also try goog...
by Wannaretireearly
Fri Dec 11, 2015 2:10 am
Forum: Personal Finance (Not Investing)
Topic: Higher salary and interviewing
Replies: 20
Views: 3711

Re: Higher salary and interviewing

Interesting thread. Any of the Directors/VP's care to share whether they manage folks who have higher total comp than them? I just got a management role in the Bay Area at my tech company (paperwork all pending) so would love some perspective. To the OP - make hay while you can and save some of thos...
by Wannaretireearly
Mon Oct 05, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance from UK
Replies: 2
Views: 704

Re: Travel insurance from UK

If they are from the UK there are tons of options over there for travel insurance. However there are a lot of limitations with their ages, length of stay and medical condition. Try Saga which specialize in travel insurance for people like your in laws. You should find the cover to be competitive an...
by Wannaretireearly
Mon Oct 05, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: iPhone6 or Samsumg Galaxy S5?
Replies: 16
Views: 1508

Re: iPhone6 or Samsumg Galaxy S5?

SAR ratings: https://www.rfsafe.com/samsung-cell-pho ... ll-phones/

This is the reason i switched from iphone to Samsung
by Wannaretireearly
Sun Oct 04, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Travel insurance from UK
Replies: 2
Views: 704

Travel insurance from UK

Hello, my in laws will be coming to stay with us in the USA (CA)

What travel insurance options are available either from the UK or for us to secure here?

They are 63 (heart condition) and 69 (healthy). They are staying for 3 months, and do have green cards.

Thanks
by Wannaretireearly
Thu Aug 27, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: Bounced back too quick
Replies: 34
Views: 6779

Re: Bounced back too quick

It was to be expected based on past history and back testing. If it had not bounced back so quickly, that would have been an anomaly. I think one can believe that the Vanguard managers of the LifeStrategy and TargetRetirement funds were doing rebalancing this week … maybe even twice (going and comi...
by Wannaretireearly
Wed Aug 26, 2015 4:29 am
Forum: Investing - Help with Personal Investments
Topic: How can we prove TRD's re-balance in the short term?
Replies: 8
Views: 1522

Re: How can we prove TRD's re-balance in the short term?

Thanks Jo. I've seen that link - imo there is some element of 'active management' to rebalance TRD's. Maybe the mechanics of how and when it's done falls into the 'noise' category.... It would just be nice to know that on days when there are major shifts - someone in TRD fund land is not 'sleeping o...
by Wannaretireearly
Tue Aug 25, 2015 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: How can we prove TRD's re-balance in the short term?
Replies: 8
Views: 1522

How can we prove TRD's re-balance in the short term?

We have a had a number of threads re: the theory of when/how TRD's re-balance in the short term . Seems to be a combination of new in/out flows, re-balancing bands (~2%?) etc. My question is how can we prove that Vangard has actually executed some re-balancing over the past 1-2 weeks, given recent e...
by Wannaretireearly
Sun Jun 21, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 19985

Re: Is it worth aspiring to get more?

I enjoy my work, love the people I work with (all very smart) but it is by nature high stress and very consuming M-F. Do not underestimate the stress that can come from no longer enjoying your work with people that you love. When I became a SAHD, I found that I started living my wife's job vicariou...
by Wannaretireearly
Wed Jun 10, 2015 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 6782

Re: Should I move out of my family's home?

We dont know your situation well enough, IMO. Perhaps you can swing a better social life by living "part time" with friends? Negotiate having a girlfriend at home too? What have you got to lose if your gonna piss of your parents anyway by moving out. I lived at home after college, until i ...
by Wannaretireearly
Tue May 26, 2015 1:23 am
Forum: Personal Consumer Issues
Topic: Home Remodel - too many decisions, need help!
Replies: 14
Views: 1978

Re: Home Remodel - too many decisions, need help!

Appreciate the responses - keep them coming please, this is very valuable. A few follow ups below: 1. We have a new furnace already in the garage. Forced air & AC. Seems tank less water-heater is something i should investigate further. 2. We don't have a kitchen designer - but are now considerin...
by Wannaretireearly
Mon May 25, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: $4500 reasonable for wills for blended family and some trusts?
Replies: 38
Views: 2816

Re: $4500 reasonable for wills for blended family and some trusts?

Do you have an employer legal plan option. E.g. Hyatt? You'll save thousands. Did our first estate plan, trust, wills, health care directives etc 5 years ago. Now doing the whole thing again thru Hyatt to revise and update. Total cost: $200 for the annual plan at open enrollment, selected only for t...
by Wannaretireearly
Sun May 24, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: Home Remodel - too many decisions, need help!
Replies: 14
Views: 1978

Re: Home Remodel - too many decisions, need help!

We plan on not moving from this house & understand we won't get all that money back
by Wannaretireearly
Sun May 24, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: Home Remodel - too many decisions, need help!
Replies: 14
Views: 1978

Home Remodel - too many decisions, need help!

Hello BH Friends, We'll be starting a big home remodel and I need some help with some of the choices to be made. Our 1977 Nor Cal single story home is a 1400 sq ft, 4 bed 2 bath + permitted sun-room. We're not going to add sq ft, but will be adding a powder room, in the space an existing closet is n...
by Wannaretireearly
Thu May 14, 2015 11:08 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 12773

Re: How much can I spend on a car?

I don't see myself marrying and moving out until I'm in my 30s. Dating issues aside (you've already gotten a lot of feedback on that), how do your parents feel about this? When I was 25 (6 yrs ago), I had the same education and similar salary, but I wasn't a freeloader in my parent's house, I had m...
by Wannaretireearly
Mon May 11, 2015 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Any refi at present that would help me?
Replies: 4
Views: 602

Any refi at present that would help me?

I have 7 years left on a 10 year loan. 2.875 apr.
Don't pay any extra and about 300k left - roughly 3800 month payment.

Any smart ideas on getting a better overall deal - or just stay put?

Would something like a fixed 5 or 7 year loan help or exist?

:beer
by Wannaretireearly
Wed Apr 29, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: Help re Car [convertible]
Replies: 43
Views: 4173

Re: Help re Car

A Mazda Miata is a good choice if you want a sporty car. If you want something that is more roomy and sedate a used Toyota Camry Solara is a great option. The Camry Solara was built from 1999 through 2008. This. I have a 2004 Solara conv & I've loved this car! Rock Solid - no issues, still driv...
by Wannaretireearly
Tue Apr 21, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Target Retirement 2040..Why 90% Equities?
Replies: 15
Views: 2273

Re: Target Retirement 2040..Why 90% Equities?

I use TRD 2045 in almost all our 401k - I've had similar concerns to the OP. Even tho I want to retire early at around 50 (2028 ish) I'll be using taxable money first - so my logic is something like I'll need to have two buckets of money - one mostly taxable to take me from 50 to 60-65, and the 401k...
by Wannaretireearly
Mon Apr 13, 2015 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 4486

Re: Economics of climbing the ladder - experiences requested

It really depends on what YOUR goals are, and what makes YOU happy. For example, my father retired a few years ago from IBM as a brand CFO. He was as high as you can go in management without being considered a junior level executive. Over the years, he has been offered several executive positions j...
by Wannaretireearly
Mon Apr 13, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 2296

Re: Help me figure out my (FIRE) number?

Wow - thanks for all the detail Rob! I've read your post a few times and still digesting it. The iorp site looks great - I'm sure I'll play with that soon. Me and my wife would have around 25 years of SS at age 50 (mostly all max contribution years) so that will definitely help, maybe even more like...
by Wannaretireearly
Mon Apr 13, 2015 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 2296

Re: Help me figure out my (FIRE) number?

What are you going to do with your time when you FIRE? Is it going to cost more money than you are spending on this activity now? I don't see that in your budget. I've found that I can use all of the time I used to spend at work in ways I hadn't dreamed of when I was working. Some of them are free ...
by Wannaretireearly
Mon Apr 13, 2015 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 2296

Re: Help me figure out my (FIRE) number?

Part three implies 0% real return, which is ultra conservative (an all-TIPS portfolio). If you are less conservative than that you can get by with less money. True - thanks. If my current projection in part 3 is ultra conservative (very safe) - what would be a realistic projection assuming a 50/50 ...
by Wannaretireearly
Sun Apr 12, 2015 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 2296

Help me figure out my (FIRE) number?

This post is to try and figure out my FIRE number. My goal is to be able to FIRE in 13 years at age 50 (mortgage paid off & kids in college). i.e. Be first in line for an early retirement package and/or take a year (or 5) off to travel etc. PART 1 - Projected expenses in retirement: My current e...
by Wannaretireearly
Sat Apr 11, 2015 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 4486

Re: Economics of climbing the ladder - experiences requested

I always valued other aspects of my work much more than moving up the ladder or a better title. That doesn't mean there isn't room for advancement though. You should be able to get a very good idea of what the jobs one or two rungs above you involve, how much they may change your work/life balance,...
by Wannaretireearly
Fri Mar 27, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 4486

Re: Economics of climbing the ladder - experiences requested

Thanks! Appreciate the responses and would like to hear from more
by Wannaretireearly
Fri Mar 27, 2015 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 4486

Re: Economics of climbing the ladder - experiences requested

midareff wrote:
What happened to the entire thought train of implementing your guidance and ideas to your staff?


I'm assuming you mean this as a pro in this context. i.e. imparting wisdom & mentoring being something to enjoy. Which I do :)
by Wannaretireearly
Fri Mar 27, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 4486

Re: Economics of climbing the ladder - experiences requested

The higher you go in an organization the more likely you will work directly with or for jerks and sociopaths. It adds to the stress but it does develop your interpersonal skills. In my case, there was a lot of relocation. Thanks jebmke. I was thinking along the same lines - this may be one of the m...
by Wannaretireearly
Fri Mar 27, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Economics of climbing the ladder - experiences requested!
Replies: 29
Views: 4486

Economics of climbing the ladder - experiences requested!

Happy Friday Bogleheads, Something thats been on my mind to post - What are the true economics and experiences of climbing the ladder? Pros of career advancement: 1. More money 2. More prestige 3. Perhaps better marketability, career path 4. Increased Job satisfaction? Cons of career advancement: 1....
by Wannaretireearly
Mon Mar 23, 2015 2:39 am
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 8741

Re: Any situations car leasing makes sense?

Good thread. Any leasors willing to detail their end of lease math? I'd be interested in knowing how close the lease deal came out vs. residual value etc. obviously there are soft or intangible value items for both lease and buy which are harder to factor than the raw numbers...but the math details ...
by Wannaretireearly
Sun Mar 22, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 tax year: Morgan Stanley 1099-B questions
Replies: 2
Views: 472

Re: 2013 tax year: Morgan Stanley 1099-B questions

Thanks TFB. My 2013 Schedule D shows I have cost basis logged for my ESPP transactions. I'm sure this came directly from the 1099-B import from MS to TurboTax. i.e. i didn't modify this. Perhaps when you say Morgan Stanley did not report cost basis in 2013 for 1099-B's, that was for a different type...

Go to advanced search