Search found 1472 matches

by island
Wed Aug 24, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 99
Views: 5012

Re: What is your system for dealing with coins?

As reported earlier, no "system" here, just the usual collect in a container, roll up, and bring to the bank. Often lax on the last step, so this thread inspired me to collect what's rolled, roll the rest and take it to the bank. It's been awhile. Put a full roll of quarters in both cars a...
by island
Wed Aug 24, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 110
Views: 6504

Re: Favorite Restaurant Stop on Road Trips

every meal eaten in a chain restaurant is a missed opportunity to try something new, something local and support a small business. Isn't one of the points of life discovery and broadening horizons? I really try to think this way, but in actuality I just can't put this into place. We are a frugal fa...
by island
Sun Aug 21, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Hardworking brother trying to divorce, needs advice. Out of my element. Advice please!
Replies: 11
Views: 1981

Re: Hardworking brother trying to divorce, needs advice. Out of my element. Advice please!

Sorry to hear about their situation all around. You may want to consider shortening your post to cut to the chase. There are a lot of personal and maybe biased details we don't need to know. Good luck to your brother and family. Hope he finds a good attorney who can help resolve their issues amicabl...
by island
Sun Aug 21, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 99
Views: 5012

Re: What is your system for dealing with coins?

My wife gets annoyed with me if I use coins when paying (for example, if I pull out 20 pennies, a couple dimes and a nickel or two...). Therefore, when grocery shopping I use the self pay terminal and if she isn't with me on that trip I will unload all my coins into the register to pay for grocerie...
by island
Sat Aug 20, 2016 6:44 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 110
Views: 6504

Re: Favorite Restaurant Stop on Road Trips

Wow many posted Chick Fil A. What's the draw? I never been and can't recall ever seeing one.
by island
Sat Aug 20, 2016 5:29 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20047

Re: Is there a such thing as a blue collar Boglehead?

I think if you were to search many of the "portfolio reviews", you'll find a lot of posters with modest incomes and blue collar jobs. However, you are probably correct in that I think this forum skews toward higher income and white collar jobs. Those with modest incomes and blue collar jo...
by island
Sat Aug 20, 2016 2:35 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5854

Re: Improving the Bogleheads forum

automatically get rid of +1. Why? If someone asks for an opinion that boils down to an either/or, looking for a consensus response, or favorite brand of something, and a poster is in agreement with what's already been posted then why not do a +1 rather than take the time and space to blabber on bas...
by island
Sat Aug 20, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 99
Views: 5012

Re: What is your system for dealing with coins?

Funny, is this really such a hassle? First world problems. We put a roll of quarters in each car incase needed for parking meters, the rest in a jar and when piles it up take it to a change maching in the grocery store or roll it and take it to the bank. The rolling doesn't bother me, can do it mind...
by island
Sat Aug 20, 2016 1:43 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5854

Re: Improving the Bogleheads forum

automatically get rid of +1. Why? If someone asks for an opinion that boils down to an either/or, looking for a consensus response, or favorite brand of something, and a poster is in agreement with what's already been posted then why not do a +1 rather than take the time and space to blabber on bas...
by island
Sat Aug 20, 2016 1:30 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5854

Re: Improving the Bogleheads forum

How about a section just for portfolio review ? Currently there are many portfolio reviews which get(/need) bumped as the review - by many contributors over time - is not complete and it can take a long time as it goes down the list and 'disappears' in page 2 etc. That's a great idea! I learn a lot...
by island
Sat Aug 20, 2016 12:23 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 110
Views: 6504

Re: Favorite Restaurant Stop on Road Trips

We try to find local places that can't be had everywhere.
by island
Thu Aug 18, 2016 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my old 401K?
Replies: 12
Views: 746

Re: What to do with my old 401K?

Thank you so much for all of these helpful replies! I called Vanguard and started the process to roll it over into a Vanguard IRA. My income is too high for a Roth, so the backdoor Roth information is useful. Do you realize you have just rejected ever using a backdoor Roth by doing the rollover? JW...
by island
Thu Aug 18, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 252
Views: 26558

Re: Self-made Millionaires: how did hitting 7 figures change you?

For me, yes I was excited when I hit $1m, yes I was excited when I hit $2m, yes I was excited when I hit $10m. However, by and large nothing has changed except I stress differently ..... As you can see from the above post, being a part of this community also tends to motivate one to get "more&...
by island
Thu Aug 18, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Orange cable from utility pole on the ground on my property
Replies: 47
Views: 3138

Re: Orange cable from utility pole on the ground on my property

Well, I went to the other side of my neighbor's house and found that it did lead to their house. So I went and spoke to the owner of the house. She said that Comcast was supposed to come and bury it - "but you know what they are like". I told her I was concerned and was about to cut it (l...
by island
Thu Aug 18, 2016 4:26 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5854

Re: How you enter the site changes what you view..thanks

To livesoft and grabiner, ahhhh...I don't enter Bogleheads thru that "portal" (When I accidentally go to that page, I back out of it, as I find it confusing.) I always enter from https://www.bogleheads.org/forum/index.php and pick my topic. So that explains that! Thank you for the informa...
by island
Thu Aug 18, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 82
Views: 8560

Re: Costco rotisserie chicken

I like chicken so never get bored with it... Or just about anything I don't have to cook myself. I put BBQ sauce on it if want to add some flavor. I change it up with different sides. Piece it up to add to salad, pasta, a taco, quesadilla, lettuce wraps, or make potpie, chicken salad, etc. Is it onl...
by island
Thu Aug 18, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 82
Views: 8560

Re: Costco rotisserie chicken

powermega wrote:The only better deal than the $5 chicken at Costco is the $1.50 hot dog and drink. Both are glorious!


I'll take the $1.65 berry sundae over the dog please. 8-)
by island
Wed Aug 17, 2016 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Can my wife stop working? Allocation ???
Replies: 25
Views: 2284

Re: Can my wife stop working? Allocation ???

I'm curious, could you please share what type of volunteer work your wife has been dying to do? Not possible to do it and work...perhaps in a different job that might be more satisfying?
by island
Wed Aug 17, 2016 7:11 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20047

Re: Is there a such thing as a blue collar Boglehead?

35 years old, Bottling Line Operator for a microbrewery Do I have a real job ? Well, our bills and mortgage are quite real. Our 401ks, Roth Iras, and son's 529 are quite real. I bite my tongue when people tell me that I don't have a real job Why would anyone think you do not have a real job? Very c...
by island
Wed Aug 17, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Keep working and how much beach house?
Replies: 30
Views: 2895

Re: Keep working and how much beach house?

What should we consider in buying a beach property and how much would you say is a safe amount compared to income and portfolio? Realistically consider how often you will get there. Decide if you can take advantage of a year-round place, or just a seasonal cottage. Consider if you want to be in a p...
by island
Wed Aug 17, 2016 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my old 401K?
Replies: 12
Views: 746

Re: What to do with my old 401K?

I'd leave it where it is or roll it into my current 401K, whichever one is better. My DH left his where it was for at least 15 years, before moving it into his current 401K which is with Fidelity. No problems. I see no need to roll it into a traditional IRA. That would inhibit you from doing backdoo...
by island
Wed Aug 17, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Earlier Retirement with Lower Pension?
Replies: 26
Views: 2763

Re: Earlier Retirement with Lower Pension?

Would you have healthcare for the 10 years before Medicare kicks in? Thats the big unknown I worry about. If you retire at 55, is the pension value of 50K a year what you would recieve at 55 or do you have to wait until 65 to claim that full value for 30 years of service? I too have a pension and am...
by island
Mon Aug 15, 2016 1:47 am
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 135
Views: 7271

Re: How much vacation time do you get at work?

36 days PTO a year, accrues 24 hrs/mo. Can keep 500 hrs on the books. Will stop accruing until reduced from that. Combined account for vacay or to use for first 1-2 days of sick leave. 9 days of extended sick leave a year, accrues at 6hrs/mo. No expiration. Kicks in on 3rd day of illness, etc. If el...
by island
Sun Aug 14, 2016 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 5424

Re: Joint Accounts - How do you use it?

Joint accounts for everything. 30 years. Never any issues.
by island
Thu Aug 11, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 135
Views: 7271

Re: How much vacation time do you get at work?

4 weeks vacation 13 holidays unlimited sick time though if going over 6 months you go on disability. At some point they want a doctor's note. Can only rollover to 320 hours so for many long time employees like myself you take the 4 weeks every year even if a few days are just a day here and there t...
by island
Thu Aug 04, 2016 11:29 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4301

Re: Where to find common items that last "forever"

One toilet brush that lasts forever? That would be gross!
by island
Thu Aug 04, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting equally when children are in very different tax brackets?
Replies: 19
Views: 2523

Re: Gifting equally when children are in very different tax brackets?

If my parents were to give us a gift, and they wanted it to be equal/fair, they should ignore taxes. It wouldn't be fair to give me more to make up for the fact that we've chosen different career paths. Agree. I'll assume you love your children equally so gift equally. Don't concern yourself with t...
by island
Wed Aug 03, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14772

Re: Early retirees, how much did you leave on the table?

.... Retiring early sure is a much easier decision when one hates their job, work in general, or has been dreaming and planning for retirement since their first pay check. I just don't know many of those people and I'm certainly happy I wasn't one of those early career dreamers since I'm sure that ...
by island
Wed Aug 03, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14772

Re: Early retirees, how much did you leave on the table?

.....Snip.... Some may be able to rejoin the workforce at near or the same compensation that they left, for me I do not feel I will have that option so when I go it needs to be a rational well thought out decision instead of an emotional one. But that's my case not anyone else's. TimeLord I think y...
by island
Wed Aug 03, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: New (bad) 401k. Need advice on funds and asset location
Replies: 29
Views: 2490

Re: New (bad) 401k. Need advice on funds and asset location

And the hits just keep on coming. So, I'm 99% sure that I'll be considered an HCE. My salary is over the line, but I don't know if I am in the top 20% or not. What I do know is that the CEO of the company had excess contributions returned, and I'm pretty sure he makes a lot more money than I do, so...
by island
Wed Aug 03, 2016 2:29 pm
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 48
Views: 3781

Re: Discussing investing with spouse

BanditKing wrote:I have the same problem as the OP. We only recently married, and wife has suggested I try presenting the topic via interpretive dance just to make it less dry.....


Ha! I like her style. :D
by island
Wed Aug 03, 2016 1:46 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 98
Views: 9810

Re: Suckered into Marriott Kauai Timeshare Presentation

You weren't "suckered", you chose to go for it of your own free will. Own it. How to handle it when the sales pitch kicks in? You just say thank you not interested and expect to have to repeat it. No need to engage in a discussion why not, other than it's not for you. Less said, less objec...
by island
Fri Jul 29, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 2)
Replies: 101
Views: 9354

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 2)

Hi Onion. Glad to hear it's working out well so far. If any issues do arise I would strongly encourage you to speak up to discuss and resolve ASAP before it becomes the norm for her and causes underlying resentments for the rest of the family. Also no reason mom's duties can't expand with time, like...
by island
Wed Jul 27, 2016 1:39 pm
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 43
Views: 3366

Re: Interesting Interaction with Edward Jones

Door to door is a common thing? Wow.
Never had that, but I rarely open the door unless I know the person, just like I rarely answer the phone for unknown callers.
by island
Tue Jul 26, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14772

Re: Early retirees, how much did you leave on the table?

For those of you who retired before 60 y.o. how much do you think you left on the table? In percentage terms (or dollars if your prefer) how much larger would you portfolio have been if you postponed retirement to a standard age such as 62 y.o.? My wife and I retired early this year, and this was o...
by island
Mon Jul 25, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8695

Re: Reliving the Nightmare of the Crisis

I don't know if I could find the thread, but I recall that sometime in late 2008 or early 2009 a Boglehead author really capitulated, and suddenly was on to Plan B - which no one had ever mentioned before. Not my favorite, but certainly the most shocking and memorable. Those were tough times, and t...
by island
Mon Jul 25, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Who should my wife and I see, a Financial Advisor, planner, etc.
Replies: 38
Views: 2510

Re: Who should my wife and I see, a Financial Advisor, planner, etc.

I had a good experience with a napfa-affiliated fee-only planner for a one-time "financial review". It was actually more comprehensive than I expected (and more than was promised) for a flat fee. I do think one reason that happened was that I provided all the requested inputs in a clear, ...
by island
Mon Jul 25, 2016 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16278

Re: How many folks choose to give inheritance to their children in unequal portions?

I had 3 kids of my own (their mother died and is out of the picture). My son had a daughter who was practically abandoned on my doorstep to raise as a single parent at the age of 47. I ended up adopting her and she is now an adult (age 20). So is it right to split the inheritance 4 ways or should m...
by island
Mon Jul 25, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14772

Re: Early retirees, how much did you leave on the table?

<snip...> Retiring early sure is a much easier decision when one hates their job, work in general, or has been dreaming and planning for retirement since their first pay check. I just don't know many of those people. And here I am... - Ron Like I said, I didn't know many of you existed until I foun...
by island
Mon Jul 25, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14772

Re: Early retirees, how much did you leave on the table?

I worry far more about ending up in a Medicaid facility than dropping dead tomorrow because that will be the day I will no longer worry about anything. You say this a lot. You seem to think that dying at your desk is no mistake because when you're dead you can't feel regret. There's a small nugget ...
by island
Sun Jul 24, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16278

Re: How many folks choose to give inheritance to their children in unequal portions?

I don't understand why grandparents leave estates to grandchildren. In my family things have always passed to children, and then what's left passes to children, etc. each generation uses and manages money as they see fit. To try to leave to grandchildren seems to me to invite the kind of weird frac...
by island
Sat Jul 23, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 14772

Re: Early retirees, how much did you leave on the table?

For those of you posters who retired early, did you leave with an employer sponsored health plan of some sort or have to cover that yourself?

TimeLord, what about you?

Thanks.
by island
Sat Jul 23, 2016 2:04 pm
Forum: Investing - Theory, News & General
Topic: Reliving the Nightmare of the Crisis
Replies: 119
Views: 8695

Re: Reliving the Nightmare of the Crisis

No nightmares since I paid no attention to it and majoring in stock funds. We just kept living, working, saving and investing as usual.
Unfortunately didn't know about TLH at the time. Would have been a good opportunity to get out of some American Funds in taxable that we purchased in the 90's.
by island
Thu Jul 21, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 7000

Re: HOA Swimming Pool Trespassing Issue

If fence is low with easy access in some areas I would think fixing that would be high priority for the HOA for liability reasons alone. No laws in your state dictating fenced all around at certain height and locked?
by island
Thu Jul 21, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Discussing investing with spouse
Replies: 48
Views: 3781

Re: Discussing investing with spouse

.....My mother in law had over twenty accounts at various banks and brokers and my wife as executor had to wade thru these in settling her estate. My problem is every time I try to discuss our finances with my wife it seems her eyes glaze over and she just wants me to handle it...... Blister- This ...
by island
Wed Jul 20, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Adopt my Girlfriend???
Replies: 38
Views: 6601

Re: Adopt my Girlfriend???

Definitely need to work with a lawyer on this, but legally adopting her is a viable option, assuming you can get a judge to sign off on it. They are far less likely to these days because same-sex couples can marry, but in the past MANY couples used this as a way to address inheritance and other sur...
by island
Wed Jul 20, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRS questioning my backdoor roth?
Replies: 46
Views: 5666

Re: IRS questioning my backdoor roth?

retiredjg wrote:Sounds like you did not file the 2 Forms 8606 indicating that you made a non-deductible contribution to tIRA. One form for each year.


Does this happen automatically when using Turbo Tax and filing electronically?
by island
Tue Jul 19, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 7000

Re: HOA Swimming Pool Trespassing Issue

1) Fencing in place, but not tall enough, clearly. The pool area, while level itself, is located on a hillside. There is a roof which nearly touches the ground outside the enclosure - easy to climb onto the roof to gain access. In some places the fencing is only a couple of feet tall. I'm surprised...
by island
Tue Jul 19, 2016 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Scary thought. Running out of time to save for retirement
Replies: 60
Views: 6384

Re: Scary thought. Running out of time to save for retirement

This is sad for someone like me who won't graduate until age 27 and will not be able to contribute anything beyond employer match for at least another 4-5 years after that due to student debt. Sad? No it's not. You're probably the norm for those graduating with higher degrees. Yup, been there done ...

Go to advanced search