Search found 1066 matches

by new2bogle
Wed Oct 11, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6153

Re: Best Career Advice for those over "50"

sunny_socal wrote:
Wed Oct 11, 2017 2:26 pm
I'm approaching 50. If that mean that I must do more "networking" (ie. having lunch with people I don't really like), I'm toast.

I'll keep my resume updated, and hopefully I'll get laid off sooner than later so I can move my family from California to Texas! :beer
Sorry, Texas is full.
by new2bogle
Thu Oct 05, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiated salary - then employer changed mind
Replies: 12
Views: 3218

Re: Negotiated salary - then employer changed mind

dm200 wrote:
Thu Oct 05, 2017 11:59 am
Spirit Rider wrote:
Thu Oct 05, 2017 1:35 am
It is never wise to advise an employer that you will likely be leaving in be the near term. This is an especially very bad idea when you have had an adversarial issue with them.
I agree...
+1

Never show your hand.
by new2bogle
Thu Oct 05, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4110

Re: How much worth house should one buy?

1) Why do you need to buy in order to live in a particular location? You could rent. This is a common lie that people tell to themselves in order to overspend on a house. One very good reason is school districts. Recently, a group of "concerned" citizens in our school district managed to change sch...
by new2bogle
Thu Oct 05, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Switching from High Deductible Plan when planning children
Replies: 15
Views: 1484

Re: Switching from High Deductible Plan when planning children

6. Your friend needs to understand that opting for an HDHP in the projected year of birth is very much a "red pill" approach in today's society. It feels weird shelling out $100 for a doctor's visit for an ear infection, or $400 for the panel of blood tests they give to pregnant women. The vast maj...
by new2bogle
Wed Sep 27, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Increase 401K percentage or contribute to ESPP?
Replies: 14
Views: 846

Re: Increase 401K percentage or contribute to ESPP?

It's a false question, assuming the OP has a "standard" ESPP of 15% discount and immediate sale every six months. If the OP has something a bit more restrictive, then the following comments are fully null and void. Answer: OP does both, at no cost to the OP, other than some simple budgeting. How? F...
by new2bogle
Tue Sep 26, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance in Texas
Replies: 9
Views: 696

Re: Dental Insurance in Texas

flyingaway wrote:
Tue Sep 26, 2017 11:55 am
Driving across the border may give your better deals.
Might be better to fly across. Border towns on MX side seem pretty lawless. Rest of MX is awesome.
by new2bogle
Tue Sep 26, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 27
Views: 4571

Re: 28 Year Old having a Crisis, how am I doing?

Find a job at GE somewhere in the country. Better if that place has a very large GE footprint (i.e., many divisions/employees). Get into their rotational program and try out a few choices. Pick one you like. I've never worked at GE but many friends have/do and apparently the rotational program there...
by new2bogle
Mon Sep 25, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Older or younger people travel around?
Replies: 31
Views: 3151

Re: Older or younger people travel around?

flyingaway wrote:
Sun Sep 24, 2017 11:32 am
I do not like to interact with other people during travel, that is because I do not like to interact with people in general. It has nothing to do with liking or not liking older or younger people.
Are you me?

:sharebeer ... or maybe not!
by new2bogle
Mon Sep 25, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP 5% discount? If yes, what strategy?
Replies: 2
Views: 259

Re: ESPP 5% discount? If yes, what strategy?

I use my company's ESPP, but I get 15% discount, two 6-month periods with look back (purchase is lower of beginning or end of 6 month period). Always get 15%, sometimes substantially more. My strategy is to always max ESPP (about $10k per 6 month period) and sell immediately to lock in at least 15% ...
by new2bogle
Mon Sep 25, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a rowing machine
Replies: 26
Views: 1186

Re: Suggestions for a rowing machine

Sadly, I do not think the budget can be stretched this year (probably next year for sure), unless my bonus comes in better than expected then maybe it can become a Christmas present. Concept 2 is what I've seen all over the reviews also, but was hoping there is a hidden budget option I missed! Thank...
by new2bogle
Mon Sep 25, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a rowing machine
Replies: 26
Views: 1186

Suggestions for a rowing machine

I've been wanting a rowing machine for a while and apparently I'll be getting one for my bday from DW! It will be in my home gym, used 2-3 times per week (alternating with the treadmill). I'm looking for value: good quality at a good price. My budget is $500, hopefully that is good enough.
by new2bogle
Mon Sep 25, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 880771

Re: What Movie Have You Recently Watched?

MP173 wrote:
Fri Sep 15, 2017 7:02 am
"Hidden Figures" last night on HBO.

A look at 3 African American women pioneers at NASA during the John Glenn era. A really good look at our recent history and how AA and women were treated, not so long ago.

Ed
+1
by new2bogle
Fri Sep 22, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Large Mortgage
Replies: 24
Views: 2321

Re: Large Mortgage

If my calculations are correct, year 9 is the break even point.

Assumes max of 2% adjustment for year 8 and year 9.
by new2bogle
Fri Sep 22, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Tips/Steps for selling a car
Replies: 19
Views: 1365

Re: Tips/Steps for selling a car

State specific. in TX the buyer takes the plates and then you go online and register that you sold the car. I also found a template contract online which I've used numerous times. I also did the transactions at a bank (where either a check or loan was involved). Once I did it at my house, but met th...
by new2bogle
Wed Sep 20, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Good news/bad news on Equifax...
Replies: 2
Views: 745

Re: Good news/bad news on Equifax...

If you unfreeze, then wait a day or two and refreeze, does the PIN change?
by new2bogle
Wed Sep 20, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5582

Re: What is FI if you love your job?

For most people, their income stays stagnant or goes down after 40 years old... Do you have data to support this? I could find Payscale.com data that women's real income peaks at 39 and then matches inflation, and men's real income doesn't peak until 48. Nominal incomes grow for both genders well a...
by new2bogle
Wed Sep 20, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5582

Re: What is FI if you love your job?

Have kids? Do you know how it feels to see them for only 3 hours a day in the prime of their childhood? This.. and by far for me. I have suffered in my career because I refuse to spend more than 40 hrs/week at work. My kids are young and I want to be with them while they still like me (i.e., before...
by new2bogle
Wed Sep 20, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Appealing Property Assessment and Lawyer
Replies: 3
Views: 338

Re: Appealing Property Assessment and Lawyer

Quick Summary: We are in the process of appealing our property reassessment. During an initial phone conversation with the assessor office, DW received an initial reduction offer. However, we feel this is not enough and presented numerous comps within our township to demonstrate our argument (their...
by new2bogle
Tue Sep 19, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4551

Re: Costco vs sams club vs neither.

Costco doesn't need to be bulk. You do not need to buy a 6 pack of LG LED TVs to get a good deal on them. Or a 6 pack of winter jackets. Some "bulk" items save a lot of money. You can "almost" pay for your entire membership buying just one item over a year, like: costco brand zyrtec, contact lens so...
by new2bogle
Tue Sep 19, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25152

Re: Calling out the not so rich bogleheads

My dad will be retiring with > $2 million in assets. He did not make more than $100k until he was well into his 50s. He did not (does not) know that he is a boglehead. But it works for if you are in the middle class.
by new2bogle
Tue Sep 19, 2017 1:47 pm
Forum: Investing - Theory, News & General
Topic: What am I missing, Bogle/Buffet investment philosophy
Replies: 19
Views: 1965

Re: What am I missing, Bogle/Buffet investment philosophy

FelixTheCat wrote:
Tue Sep 19, 2017 1:44 pm
Buffett's net worth at age 15 was $6,000
Really? The internet says $6,000 in 1945 is worth ~$82,000 in 2017.

WOW
by new2bogle
Tue Sep 19, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Another cut the cable thread
Replies: 14
Views: 1336

Re: Another cut the cable thread

Glad you posted this. I am a contrarian. I am happily keeping my Dish service for $85/month (final bill). That includes an excellent DVR, more channels than I watch (I don't watch tv other than sports - but wife and kids do) and HBO. I looked into cutting cable: I would save $45, at best, based on m...
by new2bogle
Tue Sep 19, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: What am I missing, Bogle/Buffet investment philosophy
Replies: 19
Views: 1965

Re: What am I missing, Bogle/Buffet investment philosophy

Investing is about greed and fear. Low cost index funds address the greed part. Don't gamble with what you can't afford to lose, so invest in bonds, address the fear part. I like the way you put this, thanks. With a larger timeline more can be put into stocks, less into bonds. I am currently around...
by new2bogle
Tue Sep 19, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4413

Re: Memory Foam Mattress Recomendations

We recently bought a full size bed from Brooklyn Mattress in a medium firmness for my son. He loves it, been about 2 months.

I slept on it and while comfortable, it wasn't firm enough for me. They do carry a firm model, which I will try for myself, probably next year.
by new2bogle
Mon Sep 18, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 535
Views: 208314

Re: TV show recommendations?

abner kravitz wrote:
Mon Jun 26, 2017 1:54 pm
Season 3 of Broadchurch starts this week on BBC America. The first two seasons were really good, and are on Netflix. As with many British shows, subtitles may help.
Also Shetland.. and ditto on the subtitles!
by new2bogle
Mon Sep 18, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 4844

Re: USPS lost very important certified mail - What next?

Wow that sucks.

Did you try going into an office? I know that is sometimes a painful experience...
by new2bogle
Mon Sep 18, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18178

Re: Is it really Worth it to brown bag your lunch at work?

Brown bagging early in career is a 'Career Limiting Move'. Brown bagging late in career is probably worse until you are on the early retirement list. Completely and utterly incorrect. It all depends. I worked in Big 4 public accounting at the start of my career. I was told on day 1 that "you do not...
by new2bogle
Mon Sep 18, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18178

Re: Is it really Worth it to brown bag your lunch at work?

IngognitoUSA wrote:
Sat Sep 16, 2017 1:14 pm
Brown bagging early in career is a 'Career Limiting Move'.
Brown bagging late in career is probably worse until you are on the early retirement list.
Completely and utterly incorrect.
by new2bogle
Mon Sep 18, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1332

Re: Super Nintendo Classic edition

For these type of things, I just wait for the following month after they come out and walk into the store and purchase it with ease. It never seems worth the hassle and sometimes price to get it earlier than everyone else. That works just fine when buying products made by a corporation whose execut...
by new2bogle
Mon Sep 18, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1332

Re: Super Nintendo Classic edition

What if I told you that you can build your own system for about $50 that will play all Super Nintendo, Gameboy, Sega Genesis and original Nintendo games? Check out this link -- https://retropie.org.uk/about/building/ You could also buy one from Ebay already built. Search Ebay for "retro pi". Thanks...
by new2bogle
Mon Sep 18, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1578

Re: Color printer suggestions: high quality output, low cost of ink

I have a color Xerox phaser, almost 10 years old now. For a while it was used very heavy duty (we used to run a camp). Now it is used occasionally until the beginning of each school year at which year we do A LOT of printouts for the PTA over a month's period of time. Ink is $8-9 per cartridge and i...
by new2bogle
Mon Sep 18, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1332

Re: Super Nintendo Classic edition

Why not just buy an original SNES system? My NES is still hooked up and its more fun to play the original when if you stomp on the floor too hard it resets your game of tecmo bowl... I play the original Nintendo everyday with my kids. They love it. I don't know what happened to my Super NES from wh...
by new2bogle
Mon Sep 18, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 3966

Re: Worth buying an excessive house?

Depends on your finances. I would buy if the schools are a significant upgrade. That is important. I would not buy just to get a pool ("money pit" as one of my neighbors puts it), a bigger garage (just needs to be filled with more things that are expensive) or an outdoor living area. If you can affo...
by new2bogle
Mon Sep 18, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1332

Super Nintendo Classic edition

The super nintendo classic edition is supposed to come out on 9/29/17. I had signed up for the pre-order sign up emails from a few places (walmart, best buy, amazon). I never received any such email and now I see that most of the pre-orders are sold out. In fact, ebay is selling pre-orders of super ...
by new2bogle
Fri Sep 15, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: To Refinance or not to Refinance
Replies: 17
Views: 1412

Re: To Refinance or not to Refinance

Try https://www.usmtgcapital.com/ (also low cost refinance). They might be able to work around some of the issues.

I am a satisfied customer of theirs (refinanced last year). No other connection to them.
by new2bogle
Fri Sep 15, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Distressing news -> Flight to Safety ?
Replies: 75
Views: 6951

Re: Distressing news -> Flight to Safety ?

Hurricanes, North Korea, Washington dysfunction, maybe a DOW bubble, so is it time for some protection? OK selling equities and buying bonds is not staying the course. But what about selling some of that total bond market fund and buying say five year Treasuries. Is anyone willing to accept a loss ...
by new2bogle
Fri Sep 15, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 69
Views: 5390

Re: How long did it take for Equifax to email you a security sign up?

I froze my report on Equifax on Monday and no email yet. I did get a PIN right away as a PDF file.
by new2bogle
Fri Sep 15, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18178

Re: Is it really Worth it to brown bag your lunch at work?

Eat away from your desk, with other people. If that means buying a lunch, buy a lunch. If you can brown bag and want to brown bag, brown bag. Just don't eat at your desk. I eat my lunch at my desk everyday. Your comment makes no sense. new2bogle, How do you meet people from the other department of ...
by new2bogle
Fri Sep 15, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18178

Re: Is it really Worth it to brown bag your lunch at work?

wrongfunds wrote:
Fri Sep 15, 2017 9:09 am
Where has LadyGeek vanished? This thread has been "spoiled" for a while now and really needs to be "thrown out" in the trash. Every time I read new replies, I get the Groundhog Day feeling.
Then stop reading it.
by new2bogle
Fri Sep 15, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18178

Re: Is it really Worth it to brown bag your lunch at work?

bungalow10 wrote:
Thu Sep 14, 2017 5:43 pm
Eat away from your desk, with other people. If that means buying a lunch, buy a lunch. If you can brown bag and want to brown bag, brown bag.

Just don't eat at your desk.
I eat my lunch at my desk everyday. Your comment makes no sense.
by new2bogle
Fri Sep 15, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 3745

Re: The true cost of Luxury

Great article. Thanks for posting. The fancy Gucci hand bag, the bespoke suit. Here I thought that spending money on name brands got you quality. Transylvania? I like getting my stuff from Costco so I feel I got a deal without breaking the bank. :sharebeer Costco is more than a good deal though. Th...
by new2bogle
Fri Sep 15, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 3745

Re: The true cost of Luxury

That website is hilarious, selling $48.20 "luxury" tee shirts with a story about the company's name: Gregory de Harlez, founder of classic menswear brand Escuyer, explains his company's unique ties to medieval shield bearers Company was founded in 2013, but its name provides that unique tie to the ...
by new2bogle
Fri Sep 15, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7493

Re: Best Lower Cost USA Cities to Live

It's difficult to deepen relationships when you are separated from your friends by distance. It's easier to find like-minded people in a large city, because the pool is greater and you meet people when you are engaging in activities you enjoy. Very insightful - maybe I should move back to Seattle. ...
by new2bogle
Wed Sep 13, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: New or used Lexus ES300h?
Replies: 25
Views: 2369

Re: New or used Lexus ES300h?

I have a Toyota Camry hybrid, 2010 with ~70k miles on it. I am looking to get rid of it due to decreasing MPG with aging batteries. My friend had the same car in model year 2009 and sold his since it was acting much worse than mine. My other friends with Priuses have no battery issues after 15 years...
by new2bogle
Wed Sep 13, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18178

Re: Is it really Worth it to brown bag your lunch at work?

It's not so much worth it money wise.

I do it for health - eating out everyday I noticed was not good for me. Now, I eat out once every two weeks or so. Our office also has free sodas. I don't partake in that either.
by new2bogle
Wed Sep 13, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Retirement - Living in Colorado
Replies: 33
Views: 3472

Re: Retirement - Living in Colorado

I lived in Broomfield and commuted to Boulder for a short time. I really loved both places. Excellent scenery, culture, eats, etc.
by new2bogle
Wed Sep 13, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7493

Re: Best Lower Cost USA Cities to Live

I think your question is too broad. What amenities are you looking for? Do you like cold or hot weather? Urban or suburban? Do you like outdoor activities? X miles from the coast? Is medical facility quality important? If you're strictly looking for LCOL, I know of many small-ish cities in the Sout...
by new2bogle
Wed Sep 13, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20040

Re: Iphone X is $1000

The facial recognition is alarming to privacy. The top of the iPhone X looks bad where the camera is. The 8 looks like a decent improvement. What is going to happen with the iPhone 9? lol How is it more alarming than TouchID? I'm waiting for the security experts to chime in, but Apple says it is mu...
by new2bogle
Tue Sep 12, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Beyond Equifax: Dealing with ID theft
Replies: 8
Views: 1057

Re: Beyond Equifax: Dealing with ID theft

Thank you OP.

Due to this thread I enable 2FA on my gmail account.
by new2bogle
Tue Sep 12, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Negotiating with Charter/Spectrum
Replies: 10
Views: 944

Re: Negotiating with Charter/Spectrum

Is directTV an option? We cut the cord this spring but I struggled to get an antenna working so I accepted Directv's offer. two years $50 a month for everything. My first order confirmation said I had one year at 50 and year two was 90. I called and complained that wasn't what they offered over the...