Search found 621 matches

by Wannaretireearly
Fri Feb 03, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2494

Re: Lexus PreCollision Safety System (auto braking)

Got me thinking I should ensure my next Toyota/Lexus has this. And came across this where all Toyotas/Lexus will have auto braking by end of this year: http://fortune.com/2016/03/22/toyota-auto-braking-models/ http://www.autonews.com/article/20160321/OEM11/160329991/toyota-gets-head-start-on-making-...
by Wannaretireearly
Thu Feb 02, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 17
Views: 1203

Re: Best courses and books on negotiation

I like: Secrets of Power Negotiating, by Roger Dawson Not only will it teach you negotiation skills, it will also teach you to recognize when people use these skills against you. https://www.amazon.com/s/ref=nb_sb_ss_c_2_28?url=search-alias%3Dstripbooks&field-keywords=secrets+of+power+negotiati...
by Wannaretireearly
Fri Jan 27, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 17
Views: 1203

Re: Best courses and books on negotiation

I like: Secrets of Power Negotiating, by Roger Dawson Not only will it teach you negotiation skills, it will also teach you to recognize when people use these skills against you. https://www.amazon.com/s/ref=nb_sb_ss_c_2_28?url=search-alias%3Dstripbooks&field-keywords=secrets+of+power+negotiati...
by Wannaretireearly
Fri Jan 27, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 17
Views: 1203

Best courses and books on negotiation

I'm very interested in learning more about negotiation (for personal & professional development). I have questions along two lines: 1. Any recommended courses that folks have taken? why were they good? (Fee based, free, online or in person). I'm looking at this one from Stanford - and trying to ...
by Wannaretireearly
Fri Jan 13, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 130
Views: 15808

Re: New SUV, $50G, Pilot/Highlander/Other

southbay wrote:I have owned a couple 4Runners. Great vehicle if you plan to actually go off road. The limited edition has lots of luxuries.


+ 1 for the 4runner. I see one in my future. California roads are like off-roading nowadays !!!
by Wannaretireearly
Sat Jan 07, 2017 4:14 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 23278

Re: Annual Vacation Budget

We spend a lot, but we go on vacation more than most and thankfully make more than most. Some vacations are pretty cheap- we did a 5 day backpacking trip for a couple hundred bucks. Others are not. A week in Belize for DW and I ran about $5K. The most expensive trip this year will be Japan. I shudd...
by Wannaretireearly
Tue Dec 20, 2016 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Car purchase (or lease) regrets?
Replies: 8
Views: 919

Car purchase (or lease) regrets?

Started thinking about this tangent after my other recent post: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=205525 I have owned 3 cars, only really regret one: 2001 VW Jetta GL - REGRET. Sold at 106k after 10 years. Not very bad, but many small/medium issues. Became tedious - sold it th...
by Wannaretireearly
Fri Dec 16, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3215

Re: 4runner vs. Highlander?

Wow, so many great responses!! Thank you & keep em coming :sharebeer
The 4runner does tug at the heartstrings. And maybe tempt me more to make trips like Mt Shasta!
by Wannaretireearly
Thu Dec 15, 2016 1:14 am
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 37
Views: 3215

4runner vs. Highlander?

Checked out both today and continued to fall for the 4runner... 1. Rugged looks 2. Seems to be safer overall? E.g. better traction in rain/snow? 3. Ruggedness helps with occasional offroading & cali roads :) 4. More interior space 5. Both have third rows I haven't test driven them yet. I'm just ...
by Wannaretireearly
Wed Nov 16, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 plans and any changes in AA approach?
Replies: 3
Views: 481

2018 plans and any changes in AA approach?

I'm going to make this actionable & specific. Will any of the discussions (not even policy changes) around protectionist policies have a positive or negative impact on Foreign Stocks in 2018, and upcoming years? Perhaps its more nuanced & country based, but I'd like to hear thoughts on Forei...
by Wannaretireearly
Tue Sep 27, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Reason NOT to wait past 66 to take Social Security
Replies: 48
Views: 5591

Re: Reason NOT to wait past 66 to take Social Security

I think it was Jonathan Clements...perhaps someone else...who said it this way: The breakeven at age 82 or 83 isn't the point. If you take SS at 70 and fail to reach the breakeven age, that's worse than taking it at 66 and making it way past the breakeven age. This is not just an equation about get...
by Wannaretireearly
Tue Sep 27, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Reason NOT to wait past 66 to take Social Security
Replies: 48
Views: 5591

Re: Reason NOT to wait past 66 to take Social Security

... combined SS will be $3400.00/month at FRA (66) ... every male in my family (seemingly) dies at approximately 80 years of age ... OK ... the calculation should only be between 66 years of age and 70 years of age, when I must begin to take my Social Security. Fine. That still means I did not spen...
by Wannaretireearly
Mon Sep 26, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: has anyone leased a luxury/sport car to get it out of their system?
Replies: 45
Views: 4253

Re: has anyone leased a luxury/sport car to get it out of their system?

Our neighbor leased a shiny red sports car in his 30s when he was single and did not like getting pulled over as much as he was. He didn't appear to do anything wrong as a driver but sports cars (especially red) catch the eye of the police, too. I think this gets overstated. The vast majority of tr...
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: 10829

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: 528

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: 528

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: 2133

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: 2133

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: 2133

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: 2133

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: 2133

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: 4162

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: 1662

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: 1662

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: 8136

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: 2126

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: 4162

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: 4162

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: 1187

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: 1187

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: 1187

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: 3540

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: 3786

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: 830

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: 1570

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: 830

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: 6912

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: 1567

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: 1567

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: 20662

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: 7443

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: 2065

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: 3030

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: 2065

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: 2065

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: 14319

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: 630

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

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