Search found 118 matches

by joeblow
Sun Dec 02, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 127
Views: 11979

Re: Retirement itch- when did you get it?

Age 40. Made changes to speed the process along. Now it hits me every morning about 7:00 am. Plan to be out sometime between 50 and 55.
by joeblow
Sat Nov 17, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4929

Re: When is Too Long to Return a Hair Dryer to Costco?

Took a 5 year old treadmill back to costco. Actually thought it had only been 2 years. Guy looked at my account...and presumably how much money we spend there and said absolutely no problem on the return. Same thing when I took a Vitamin back. That said, I doubt I would take back a $100 item like a ...
by joeblow
Fri Nov 02, 2018 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Mega ROTH conversion
Replies: 19
Views: 1318

Re: Backdoor Mega ROTH conversion

My plan administrator also mentioned once I do an in-service withdrawal from after tax, i'll be ineligible to contribute to after tax for the next 6 months :( :( I recommend you get a copy of your companies plan and read it carefully. +1 Because sometimes the administrator doesn't know what is actu...
by joeblow
Thu Oct 11, 2018 1:16 am
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3636

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Snow tires for the win... ...if you live where snow is an issue. We have a Subi outback and the snow tires are awesome. We have dedicated wheels/tires for the winter. I was blown away how much of a difference it makes. We just bought another full size SUV and plan to buy new wheels and snow tires fo...
by joeblow
Wed Oct 10, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8495

Re: What did you buy today

$5K of VTSAX but I hadn't even seen the news about the stock market...just adding to the taxable account according to the plan.
by joeblow
Mon Oct 08, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new car-anyone ever used a car buying service?
Replies: 7
Views: 809

Re: Buying a new car-anyone ever used a car buying service?

I started to use one that was highly recommended by several colleagues. They ended up just sending me information on vehicles that I had already found online and tried selling them to me at their marked up prices. I'm sure for some it is worth it, but I enjoy researching and looking for vehicles on ...
by joeblow
Wed Oct 03, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1602

Re: Shows in Las Vegas for 6 and 8 year old

Agree with the Cirque shows mentioned above and depending on when you are going, the Lion King is playing at the Smith Center most of November.
by joeblow
Wed Sep 05, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 8137

Re: Selling a car to CarMax

Has anyone had any experience selling a car to CarMax? Can you negotiate the price they quote you? I thought there was a no haggle policy and I am trying to see if anyone has been able to improve the initial quote through negotiation. I have an extremely clean high mileage ten year old Lexus with a...
by joeblow
Sat Sep 01, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8158

Re: Fully maxed out

We fully max out all available tax advantaged accounts yearly, the rest goes into taxable. Feels good. Wish there was more we could do.
by joeblow
Mon Aug 27, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2678

Re: Cars... just another tool unless your a tool.

*you're

I tried the inexpensive/practical/economy car thing for a while. Meh, I'll drive what I want and work a few extra months at the end if I have to. Just got back into a full size luxury SUV and love it.
by joeblow
Tue Aug 07, 2018 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16261

Re: Will you pay for your kids' college/graduate education?

Wow! So many diverse viewpoints. Need to find time to go back and review them all. But to answer the question... Put us in the "most likely" category: I always assumed no. I received an athletic scholarship for undergrad and paid my way through graduate school and law school. Wife always assumed yes...
by joeblow
Tue Jul 24, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: I dont know how to spend money
Replies: 39
Views: 5358

Re: I dont know how to spend money

jb1 wrote:
Mon Jul 23, 2018 7:45 pm
Luke Duke wrote:
Mon Jul 23, 2018 8:59 am


A girlfriend will solve your spending problems.
haha havent had one of them in years. :(
Maybe start with not washing your clothes in a sink in order to save $5-$10?

Is that per load or per month?

There is a difference between being frugal and being cheap.
by joeblow
Wed Jun 27, 2018 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Frequency of Mega Backdoor IRA Transfers
Replies: 15
Views: 1376

Re: Frequency of Mega Backdoor IRA Transfers

Once a year. Vanguard requires it to be done manually via snail mail (or at least they do with my plan). I'm too lazy to do it any more than that.
by joeblow
Fri Jun 22, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 379
Views: 37171

Re: What is/ was your career and would you recommend it now?

Attorney here, I cannot recommend it to anyone unless they can graduate with less than, say, $50k in debt. I was a "winner" - top 3 law school, biglaw job, and paid off my 200k in student loans in 3.5 years. Now I have a job that I really love working in the public sector for a solid middle class i...
by joeblow
Tue May 15, 2018 11:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 11814

Re: Yes, I'm 89 all right! [Jack Bogle]

Wow! Happy Birthday. Very cool that you are posting.

Thanks for all you have done.
by joeblow
Tue May 15, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Large Personal Injury Settlement
Replies: 58
Views: 5909

Re: Large Personal Injury Settlement

You joined yesterday and posted today. That $3M, that sounds like you haven't even received, is not going anywhere fast. Unless of course you connect with an unscrupulous advisor or blow it on unscrupulous behavior. ;) I suggest you take a deep breath and spend some time reviewing some of the links ...
by joeblow
Tue May 15, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 114
Views: 13009

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Do you? Yes. $18.5K pre tax + company match + whatever is left over to the cap into post tax...post tax portion, and any gain, is rolled over into a roth IRA once a year. Why? All tax advantaged accounts are maxed. This allows us to maximize the annual contributions to a roth IRA beyond the $11K. If...
by joeblow
Tue May 15, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to use our land temporarily - let them or not?
Replies: 48
Views: 6738

Re: Neighbor wants to use our land temporarily - let them or not?

Sounds like a good excuse to head to Florida and take your neighbors a bottle of wine to share at their BBQ celebrating their rebuilt home?
by joeblow
Fri May 11, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 9800

Re: How to remove garden hose nozzle that is stuck on a hose

Hmmmm? This seems odd.

Surprise it wasn't mentioned yet...make sure you're turning it the right way.

Righty tighty, lefty loosey.
by joeblow
Fri May 11, 2018 12:48 am
Forum: Personal Consumer Issues
Topic: Amazon package that can't be traced
Replies: 72
Views: 4792

Re: Amazon package that can't be traced

I have a list of items I'd like brushed my way.
by joeblow
Thu May 10, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 33
Views: 4066

Re: Picking up New Subaru-Worth buying extended warranty?

If you do, do not buy through your dealer. There is a dealer in the midwest that sells extended warranties for subaru at a steep discount. If you intend to buy one, send me a PM and I'll go dig out the name for you. Plus you do not have to buy it right now, you can always add it later. I generally d...
by joeblow
Mon Apr 30, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 10539

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Lots of advice above. One thing I did not see mentioned is a device like SPOT. I come across a lot of people (at the risk of offending some...particularly those from the east coast) who do not realize how remote the west can be. I've gone days without cell coverage...then again, when we go out we tr...
by joeblow
Sat Apr 21, 2018 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Renting out home with Swimming pool
Replies: 10
Views: 2520

Re: Renting out home with Swimming pool

Unless you do not want the pool when you return, I'm not sure I would go through the trouble of filling it in. Don't rely on google for a legal analysis. Lawyer up on the rental agreement, waiver, etc. Additional insurance is probably a good idea. I might be more concerned about leaving the house si...
by joeblow
Mon Apr 16, 2018 12:18 am
Forum: Investing - Theory, News & General
Topic: China Hustle Movie
Replies: 35
Views: 5370

Re: China Hustle Movie

Went to watch it on Amazon Video. $6.99 to rent. I passed on the hustle. Anywhere I can watch for free?
by joeblow
Sun Apr 15, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 22
Views: 59146

Re: Best Couch for Big and Tall Person

Room and Board. If you like modern furniture. Quality is amazing. They list all the dimensions online. Figure out what you need and find one that fits your needs. Still have the same sectional from 15 years ago. Figured out what we liked (size wise) and it took 2 minutes of sitting it in to know it ...
by joeblow
Sun Apr 15, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54440

Re: Name something you had to have and now you regret purchasing it?

The wife works full-time, goes to school full-time, and is a mother of two. She also has very mixed athletic interests; ranging from combat sports (she does krav maga and some muy thai) to semi-serious strength training to cycling. Her athletic interests/goals are not conducive to a lot of long-dis...
by joeblow
Sun Apr 15, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 4055

Re: Las Vegas hotel

Strip or off-strip? That is the first question you need to ask. I am a regular here, so nothing extravagant, please. Thanks. Hard to beat places like the Wynn and Bellagio for the "Vegas experience" but if you want nothing extravagant I'd move off the strip. Some good advice above. I'm in Vegas 8-10...
by joeblow
Thu Apr 12, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 12382

Re: Mid-40s in tech - how to pass off as acceptably young

Say "sick" and "like" like a lot. j/k

Confidence is key. Seems like you might have lost a little. Try to get it back.
by joeblow
Sun Apr 08, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: How would you rotate these tires?
Replies: 20
Views: 1990

Re: How would you rotate these tires?

I would buy new ones.
by joeblow
Sun Apr 08, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 14470

Re: What age is the best to give a child control of an inheritance?

Did you even read my post? I did, I just do not spend any time worrying about what seems to bother you. Asset protection has nothing to do with "mishandling" by the heirs or their competence. :confused Thank you for the lesson. Again, I'm not worried about others swooping in and taking my money, wh...
by joeblow
Sun Apr 08, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 14470

Re: What age is the best to give a child control of an inheritance?

I think you're missing the entire point about asset protection. It's not about protecting them from themselves. It's about protecting assets that you want your heirs to benefit from from others who would like to (legally or otherwise) take it from them. How do you konw that somebody won't "care" up...
by joeblow
Sun Apr 08, 2018 12:12 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 17382

Re: How much cash do you keep at any time on checking?

~$100K emergency fund/sleep good at night fund/too lazy to figure out what to do with it because all my other investments are automatic fund... Been slipping it slowing into taxable lately. Related question: How much actual cash do you keep on hand? As in how much money do you have without running t...
by joeblow
Sat Apr 07, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 14470

Re: What age is the best to give a child control of an inheritance?

my $0.02... 1) upon your death you will no longer care what happens afterwards 2) people spend way too much time trying to control their money after death 3) you should spend your money on your child now so you can see the benefit it provides and derive some enjoyment from it 4) 35 is plenty old en...
by joeblow
Fri Apr 06, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 4580

Re: How often do you replace your office shoes?

I have 2-4 pairs at a time and usually have them refurbished at a local cobbler. They'll last 5+ years easily. However, I decided to replace mine recently and picked up a pair of Bruno Magli loafers. Dear god, I'll be buying more of these shoes soon. Not sure how long they'll last but they are the m...
by joeblow
Sat Mar 31, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Porsche 911 & Carmax?
Replies: 13
Views: 3275

Re: Porsche 911 & Carmax?

I've bought and sold plenty of cars. A 911 turbo or 4s cab is on my list as well. IMHO you are better off buying private party. In my experience the cars you can get at Carmax will be very pedestrian and if not, over priced. YMMV
by joeblow
Sat Mar 31, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 14470

Re: What age is the best to give a child control of an inheritance?

my $0.02... 1) upon your death you will no longer care what happens afterwards 2) people spend way too much time trying to control their money after death 3) you should spend your money on your child now so you can see the benefit it provides and derive some enjoyment from it 4) 35 is plenty old eno...
by joeblow
Fri Mar 30, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 10494

Re: Resign from job or possible termination

Maybe I'm a bad person, but if I knew that I was being terminated, I would not be feeling any job stress anymore (at least not due to the working conditions). I mean, what can they do, fire you? +1 OP: if possible get your LORs now. Then focus on the job search. Put the absolute bare minimum effort...
by joeblow
Wed Mar 28, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage with Windfall?
Replies: 57
Views: 6762

Re: Pay Off Mortgage with Windfall?

An opportunity for zero debt, a million invested/saved, at age 40 with no kids' college to fund? I'd pay it off in a heartbeat and relish in the position I was in.
by joeblow
Wed Mar 28, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16624

Re: Healthy eaters -- is this grocery budget normal to you?

Hi, My wife and I spend ~$1,200 or so each month for groceries, and there's only two of us. It's the only large item on our budget except for rent. Our predicament is we desire to eat extremely healthy (organic, non-GMO, top of the line sourced food) but see nowhere to cut our bill. We shop exclusi...
by joeblow
Sun Feb 25, 2018 2:04 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 15381

Re: How Far is too Far, Commuting?

Too far for me. I get annoyed when my 13 min commute turns into a 15-20 min commute due to traffic or weather. No way I add 2+ hours to my day for an extra $5/hour. But everything is relative, it really depends on how much $5 per hour is as a percentage of your hourly rate. And I would love to work ...
by joeblow
Sun Feb 25, 2018 1:12 am
Forum: Personal Finance (Not Investing)
Topic: 2 kids starting Grad School. How to support equally
Replies: 15
Views: 1811

Re: 2 kids starting Grad School. How to support equally

A question of equality or equity. What you proposed seems fair, and they should be appreciative of whatever you provide. Seems like they are accomplished kids so I assume they will be and will likely do fine with or without your help. I don't think I would ask them myself. It's your money, do what y...
by joeblow
Sun Feb 25, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement strategy for wife
Replies: 18
Views: 2918

Re: Early retirement strategy for wife

I agree with Admiral. She needs to work, at least part time. If you were FI or close to it, I might think otherwise. FWIW, we did the same thing. Wife hated it at first, but soon realized the importance of keeping up with her professional skills. I know it doesn't seem like it, but before you know i...
by joeblow
Tue Feb 20, 2018 11:40 pm
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 4165

Re: What seems to matter

NibbanaBanana wrote:
Tue Feb 20, 2018 11:31 pm
skor99 wrote:
Mon Feb 19, 2018 7:43 pm
This should also be coupled with the blatant age discrimination prevalent in the job market where one has a higher chance of being laid in their late 40s and 50s than in the 20s or 30s.
Ummmm....... I haven't experienced that myself.
LOL! I see what you did there.
by joeblow
Thu Feb 15, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 15893

Re: What big item (>20k) are you saving up for?

Retirement. Need at least $3.5m (total, not more). Fortunately, everything else I am able to just buy at this point. Including the Porsche that I have been wanting, but will not actually pull the trigger on.
by joeblow
Sun Feb 11, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11335

Re: How does one emotionally keep it together during market swings?

Well, I've been thinking that my asset allocation was too high (80%+) and that I should adjust. Checked the accounts last week and saw almost 6 figures in losses (might have actually been, as I did not check them all). Surprisingly, it didn't bother me at all. Market goes up, market goes down. Figur...
by joeblow
Sun Feb 11, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 5753

Re: Can I afford to move to a lower paying career?

55 and $3.5M is my goal to stop "having" to work (not even bare minimum). At 3% withdrawal rate you exceed your need. You can/want to teach courses that will pay you $60K a year. Congratulations you've won the game. Do what you want to do, whatever it is. If it were me, I'd sell that lot to pay for ...
by joeblow
Fri Jan 19, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: Anyone have a whole house water filter?
Replies: 13
Views: 1134

Re: Anyone have a whole house water filter?

Try removing/cleaning the aerator in the faucet first and confirm that is not the issue.
by joeblow
Mon Jan 15, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Longer Work Hours: Tips for adjusting?
Replies: 10
Views: 1415

Re: Longer Work Hours: Tips for adjusting?

As the meme goes...40 hours a week? I remember my first part-time job. I do not know anyone who makes good money that doesn't work 50-60+ hours a week (que posts to prove that wrong). One weekend day a month would sound great to those that work both days, every weekend. Go in and put your head down,...
by joeblow
Sun Dec 31, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 752
Views: 221199

Re: Share your net worth progression

These are just retirement accounts since we don't track everything in one place. Rough numbers... $50K 12/31/05 $80K 12/31/06 $107K 12/31/07 $104K 12/31/08 $162K 12/31/09 $219K 12/31/10 $250K 12/31/11 $320K 12/31/12 $435K 12/31/13 $520K 12/31/14 $595K 12/31/15 $750K 12/31/16 $980K 12/31/17 Updated ...
by joeblow
Sat Dec 30, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2998

Re: Checked bag to HI, worth cost and trouble?

We go every year and find it easier to just buy what we need when we get there. It is more expensive, but not as bad as it used to be. Unless you have some special dietary needs that you might not be able to get there (unlikely), I'd only take on the plane what you need for travel. Please buy reef s...