Search found 1270 matches

by investingdad
Sat Apr 14, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Could you support family on 1 income?
Replies: 88
Views: 5624

Re: Could you support family on 1 income?

Could if we wanted to.

I'd stay home, my wife earns 61.5% of our total income last year.
by investingdad
Fri Apr 13, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10653

Re: Work Commute: How far is too far?

This is obviously a personal decision. My wife earns about 1.55x what I earn, which is great because I'm not doing too bad. She also has the lousy commute, but works from home on occasion and at her discretion... the perk of being mid career and highly valued. She spends about 50 minutes each way......
by investingdad
Wed Apr 11, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Periodontist at fault?
Replies: 33
Views: 3169

Re: Periodontist at fault?

Sympathies for your wife. I'm living this right now. I had two root canals done on front teeth as a kid after breaking one of them. Now in my 40s, it was discovered that the one root canal failed at some point, an abscess began, and there's bone damage in the upper jaw. I had both of them redone las...
by investingdad
Mon Apr 09, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Job search advice for a soon-to-be engineering grad...
Replies: 41
Views: 1886

Re: Job search advice for a soon-to-be engineering grad...

My advice is for the interview process, especially the college academic superstars. Please make sure he remembers to be humble. I've interviewed new grads and recent grads who came in with stories that made it sound like they've already mastered engineering before they even started. A recent grad th...
by investingdad
Mon Apr 09, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4049

Re: Is it very hard to learn Spanish?

It's probably not as easy as it would have been as a kid. But I will say this, the difficulty of learning a new skill is inversely proportional to your desire to learn it.
by investingdad
Fri Apr 06, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25124

Re: Learning Violin as an adult...Entering Month 15

Some modest improvement, but I'd still cover your ears. Here's two audio files of me playing. I recorded the first one about four or five weeks after I started. The second one I recorded a few weeks ago, after 15 months of playing with 1 hour of practice a day plus weekly lessons. I recorded these o...
by investingdad
Mon Apr 02, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 42
Views: 3280

Re: Cleaning up new house before move in—getting rid of “cat smell”

Odors can be tricky. There was a new development near us that hit hard times in the housing crash. Builder pulled out and left one home in a state of construction. After three years or so, new builder bought the development. Rather than tearing down the incomplete home, they finished it and turned i...
by investingdad
Wed Mar 21, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 6602

Re: Drink package on Royal Caribbean, worth it?

I've been a BH since my early 20s precisely so my wife and I, now in our mid 40s, can enjoy these sorts of vacations. Money is a tool, and discretionary spending is part of it. You need a $1000 alcohol package to be able to enjoy a vacation with your wife? I don't think I need to justify how we cho...
by investingdad
Wed Mar 21, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 6602

Re: Drink package on Royal Caribbean, worth it?

$900 a week for liquor sounds outrageous to me and probably many BHs. THIS! I'm surprised at the number of posters who are so nonchalant about spending nearly a grand on booze for a week. I wouldn't buy such a package at even half that price. I've been a BH since my early 20s precisely so my wife a...
by investingdad
Wed Mar 21, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 6602

Re: Drink package on Royal Caribbean, worth it?

I have not taken a cruise. The drinks are one of the reasons. Kind of outrageous, these drink packages. The drink prices themselves are airport bar drinks prices, not even typical of around town bars. The only reason a drink package seems like a good idea is due to overpricing of the drinks themsel...
by investingdad
Wed Mar 21, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 6602

Re: Drink package on Royal Caribbean, worth it?

We have sailed RC and recently did Norwegian. First time on Norweigan we had the drink package. Second time we booked ourselves in the Haven so it was included. For us, it's worth it. I like not having to keep track of what I'm drinking and worrying about cost. A mimosa in the morning, mojito or two...
by investingdad
Mon Mar 19, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6435

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I missed the OPs numbers upon first read. I see them now. But it appears my wife and I together earn what he is earning (250k to 300k) and our net is higher (he mentioned 1.5 million in retirement). We also have two kids and live on about 120k a year. So very similar to him, but we are mid 40s. It t...
by investingdad
Sat Mar 17, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6435

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

This is easy.

We are ok spending 1.2% of our net on a car, having done so last year.

So 20 million for me.
by investingdad
Sat Mar 10, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 6533

Re: Is this too much for a kitchen?

We plan to stay at least 10-15 yrs, but potentially forever. It will feel a little small with 2 teenagers, but once they’re out of the house it’s the perfect size and location for us to retire in. I guess we're both having a little sticker shock with the quote. Kids: "Why didn't you do this while w...
by investingdad
Thu Mar 08, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Is near FI + Employment almost as good as Retirement?
Replies: 39
Views: 4370

Is near FI + Employment almost as good as Retirement?

A co-worker was telling us about a recent run in with a another guy from our group that retired about two years ago. He was telling us how obnoxiously (in a good way) relaxed and stress free he looked and everyone agreed on how envious they were. What I obviously couldn't say (since I'm only 44) is ...
by investingdad
Mon Mar 05, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25124

Re: Learning Violin as an adult...Entering Month 15

Thanks for the update. Your hard work is paying off. You mention the advantages of playing with your teacher, so have you been able to play with a group yet? Just once over Christmas but it was difficult due to non familiarity with the music and the keys. I don't know any other adults that have tak...
by investingdad
Mon Mar 05, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25124

Re: Learning Violin as an adult...Entering Month 15

Time really flies. As noted, I'm now in month fifteen of learning the violin. My progress feels like it has slowed as I continue to work on third position. It will take time to build muscle memory for this shift up the fingerboard. I'm finding that my intonation playing in third sounds like when I f...
by investingdad
Sat Feb 24, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10653

Re: How Far is too Far, Commuting?

Depends on the type of drive.

I drive 23 miles through the countryside to my Megacorp. No highway. Used to drive 55 miles around Philly. Never again.
by investingdad
Wed Feb 14, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 6303

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 investingdad
Fri Feb 09, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2240

Re: How Do You Discuss Starting Time when You Get a Job Offer

I wouldn't wait until I started to ask.

I'd ask what the normal office hours are during the interview. It's a legit question in my mind.
by investingdad
Fri Feb 09, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2240

Re: How Do You Discuss Starting Time when You Get a Job Offer

I'm an engineer and I have things to do and deadlines to meet.

As long as those things are being done and I'm in the office on some kind of regular basis, my comings and goings are left to my own discretion. Including working from home as I see fit.
by investingdad
Mon Feb 05, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371577

Re: U.S. stocks in freefall

Six figure portfolio reductions are no fun... but the run up seemed way overdone to me. I'm surprised this didn't happen sooner.
by investingdad
Sun Feb 04, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13827

Re: Financial Hole

Without sharing details it's hard for folks here to offer up actionable advice.
by investingdad
Fri Feb 02, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5898

Re: New car - how much can we afford?

OP said combined assets, not net worth. Worth pointing that out. Also...140k take home is good for a 40k car? So much for taking advantage of high income and investing to greatest extent possible while young and time is on your side. I had a Nissan Sentra up until both kids were born and upgraded to...
by investingdad
Wed Jan 31, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Disney World question, accessing resorts and monorail
Replies: 6
Views: 824

Re: Disney World question, accessing resorts and monorail

Parking at the Transportation & Ticket Center is your best bet. Pay to park, but monorail access to all monorail locations. This will accomplish what you're looking to do.

Parking at a monorail resort requires room reservations.
by investingdad
Wed Jan 31, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 8028

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

I understand the desire to not make the advisor feel awkward. But the OP is paying for this, if not happy with the person... request somebody else. Period.
by investingdad
Sun Jan 28, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: The biggest problem in retirement is spending (not)
Replies: 118
Views: 10498

Re: The biggest problem in retirement is spending (not)

... Others may feel the need to hold on to wealth as a form of self-insurance instead of acquiring an annuity to deal with a number of life’s uncertainties, such as longevity risk... Horse business. Annuitizing a portion of your portfolio at retirement is actually a strategy which allows one to pre...
by investingdad
Sun Jan 28, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12954

Re: Starting to feel like the late 1990s?

I was fresh out of college in the late 90s. People everywhere where talking tech stocks, B2B, paradigm shift, startup incubators, cash burn rates, get really big really fast, 80% compensation in the form of restricted private stock that would make them rich when they went public, bandwidth, internet...
by investingdad
Sat Jan 27, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12954

Re: Starting to feel like the late 1990s?

I did some rebalancing this week.

With the market climb, it's hard to complete the gradual transition from 80/20 to 70/30 I'm trying to do from age 40 to late 40s.

It's back to 76/24 for now. I should probably be aiming for 65/35 at this point.
by investingdad
Thu Jan 25, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325193

Re: What are you up YTD? [Year To Date]

Nearly 5% by now. In less than a month. I've never been that wealthy. This is baffling. And quite dangerous from a behavioral standpoint, notably anchoring bias. Makes me itchy. Somehow, I'd be glad to see a correction, to reset expectations. Weird, isn't it? :shock: I'm certain my net worth is ord...
by investingdad
Wed Jan 24, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 9067

Re: Working in the real world

First of all I want to apologize for an emotional reaction that I had to a previous post https://www.bogleheads.org/forum/viewtopic.php?f=1&t=239049 . It was due to a claim that someone could make $80k/year working part time in semiretirement. I understand that many of the posters on this board are...
by investingdad
Fri Jan 19, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 2640

Re: Home Humidifier input please

The powered unit you linked to has a fan so it can humidify the air without the HVAC running.
by investingdad
Fri Jan 19, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 2640

Home Humidifier input please

We are going to install a home humidifier due to very dry air.

There are two options I'm aware of, bypass and powered.

I'm reading that powered may be better because it can run when the HVAC system isn't.

Does anyone have experience and can they provide input?

Cost is not a factor.
by investingdad
Fri Jan 19, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 1926

Re: Learning Swimming @ 40+

BHs: I Am contemplating on learning swimming and in the past have tried but was not successful due to apparent fears. Now looking at my kids swimming feels like I should try one last time due to various reasons.. Any experiences of learning swimming at this age.. Thanks OneWorld No experience learn...
by investingdad
Wed Jan 17, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 4099

Re: Umbrella Policy - 1M or 2M

Did you tell them you would have a "New Teen Driver" when you got the quotes/Prices? If not - expect an increase. It's for this reason I'm contemplating making our kids get their own insurance policies in a few years. My dad made me get my own and one minor accident at 17 helped me see the light on...
by investingdad
Wed Jan 17, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 4099

Re: Umbrella Policy - 1M or 2M

Did you tell them you would have a "New Teen Driver" when you got the quotes/Prices? If not - expect an increase. It's for this reason I'm contemplating making our kids get their own insurance policies in a few years. My dad made me get my own and one minor accident at 17 helped me see the light on...
by investingdad
Tue Jan 16, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3581

Re: Understanding the Great Recession Impact

I was also wondering what we were doing wrong in the early 2000s after we built our first house. We moved out of an expensive area to a less expensive one when we built because I couldn't make the mortgage math work. We wanted it workable on one income. The builders and real estate agents were havi...
by investingdad
Tue Jan 16, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 39
Views: 4781

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

All I know is this...i wish I could take the stupidly high gains I've seen in my portfolio off table and then put them back on the table the day after the market finally corrects. But our investment ratio is about where I want it so that probably isn't smart. I try to remind myself that doing nothin...
by investingdad
Tue Jan 16, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3581

Re: Understanding the Great Recession Impact

It was the age of debt and LBYM (living beyond your means). My neighbor on one side refinanced his huge house with cash out 4 times leading up to the great recession. Put the cash into the house along with cars, trucks, and his small but booming construction business. Then all construction business...
by investingdad
Mon Jan 15, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3581

Re: Understanding the Great Recession Impact

The devil is always in the details. Clicking the link to the Wired articles does mention the Wells Fargo investment that "guaranteed" 19% a year that ran out of money. I recall an Engineering manager where I worked in 2001 that told everyone after the 911 market collapse he was going to 100% bonds. ...
by investingdad
Sat Jan 13, 2018 9:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 258
Views: 24117

Re: Post your Financial Milestone Announcements Here

We hit 2.6 million (nice round number) as of market close yesterday, home equity is just a small bit at 145k or so.

Still mid 40s so not ready to retire yet.

Best part is knowing we have freedom to not sweat the expenses and small indulgences.
by investingdad
Sat Jan 13, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 71
Views: 4240

Re: Poll: BHs who rent - what % of gross do you spend on rent?

When I was single 20 years ago, I paid 16% of gross for a single bedroom apartment.

33k a year, 450 a month rent.
by investingdad
Sat Jan 13, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 3020

Re: Will never not upgrade Business travel again

For me, this falls under the category of...it's time to use a little bit of our financial success to enjoy a little bit of comfort.
by investingdad
Sat Jan 13, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 3020

Re: Will never not upgrade Business travel again

I have a 3.5 hour flight next month. Upgrade from coach to First for $160 on my own dime?

Yes, please. Done.
by investingdad
Sat Jan 13, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 3020

Will never not upgrade Business travel again

I may have said this before on here, but I'll say it again. For business travel on the company dime, I will never not upgrade my airline seats or hotel accommodations at my own expense again. I flew last week and spent $100 upgrading seats both ways on my personal card. Comfortable flights both ways...
by investingdad
Sat Jan 13, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 8317

Re: Heading for a top?

I have no control over it, Why Fret.(Nothing to Fret About) Corrections,Bear Markets are healthy . That is when wealth is created (ifyou are steady buying) You just don't know it at the time. Invest. Reinvest :happy This is certainly true. The money that's accumulating in our accounts now its a res...
by investingdad
Sat Jan 13, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 8317

Re: Heading for a top?

I keep updating Quicken and it feels ridiculous. I've rebalanced a little bit as I try to keep the ratio where I want it, but the gains I'm seeing have me scratching my head.
by investingdad
Wed Jan 10, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 3143

Re: Use HSA money or pay out of pocket?

I recently switched to a high deductible plan with an HSA. For 2018, I'm maxing out the HSA ($6500) plus receive a small employer contribution. I just set my investment preferences, and turns out, the fund options we can invest in are low cost passive funds, so I am really happy about that. My ques...
by investingdad
Mon Jan 08, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 8307

Re: How much are you putting in a 529?

We started with $100/child/month when our kids were very young (and my income was much lower than it is today) and then started putting extra bonuses and funds in whenever we could. Our goal was to pay for 4 years of under-grad but we now have enough to also help with graduate schools (for the one ...