Search found 1152 matches

by LiterallyIronic
Fri Apr 19, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 52
Views: 2396

Re: Windows 7 end of support - Jan 14, 2020

My Win 7 will continue to be used after 2020 offline as a media server, photo and video editing and other non internet connected services. It's too stable to move/upgrade and I'm not a fan of Win10. So, I've just gone to Linux Mint Cinnamon in a dual boot mode. Its very much like WIN7 and even with...
by LiterallyIronic
Thu Apr 18, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Home Page for Your Computer:
Replies: 17
Views: 1097

Re: Home Page for Your Computer:

reddit.com/r/news?
by LiterallyIronic
Thu Apr 18, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 52
Views: 2396

Re: Windows 7 end of support - Jan 14, 2020

When I built my computer in 2016, I specifically chose the Intel i7 6700K because that was supposedly going to be the last generation of Intel CPUs that would support Windows 7. Windows 10? I think not. Cortana, Windows Store, telemetry, and forced updates. Take those out, or allow me to remove them...
by LiterallyIronic
Wed Apr 17, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7643

Re: I’m a Loser Stuck in a Dead End Job

As for the degree, I had went for general business at the university of Houston, so even if I was to complete it, have I picked the wrong major? Programming skills wise, I started at 12 learning basic and c in my spare time, and just moved forward. Database management and structure would probably b...
by LiterallyIronic
Wed Apr 17, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7643

Re: I’m a Loser Stuck in a Dead End Job

At age 29, I was working in a menial office job, making $13/hour, with a net worth of maybe $10k. You sound like a hard-worker who puts effort into everything he does. I'm going to suggest to you the same thing that I suggested to myself at that age. Go back to school. Sounds like you have an aptitu...
by LiterallyIronic
Wed Apr 17, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6244

Re: What is your hobby and how did it come to be your hobby?

I maintain a website www.poologic.com encouraging people to use scientific methods to play NCAA bracket pools and give some of the winnings to charity. I recently completed a book Improving Your NCAA Bracket with Statistics published by CRC Press. I got into this in 1999 when I found that the avail...
by LiterallyIronic
Tue Apr 16, 2019 5:24 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 737
Views: 63365

Re: That's enough for me in 2019

You may well be right about this board not being as bearish/conservative as I might have thought. What I actually think is that there is a relatively high appreciation of risk on BH. How that plays out on the bull/bear continuum depends on the individual. This board is very "bullish" on stocks comp...
by LiterallyIronic
Mon Apr 15, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Do You Give Money to Panhandlers?
Replies: 38
Views: 1814

Re: Do You Give Money to Panhandlers?

Another time in the same well-known Northern California city near a famous bridge a man came up to me and said that he had just arrived from Oklahoma and had everything stolen. He went into this long tale of woes. I didn't give him anything as his story sounded suspicious. Several months later the ...
by LiterallyIronic
Mon Apr 15, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 76
Views: 3827

Re: Women, How Much Do You Pay for Haircut

Man, but with a traditionally-feminine haircut. I pay $8 at the local hair salon school for wash (including shampoo/conditioning), haircut, blow-drying, and flat-ironing.
by LiterallyIronic
Thu Apr 11, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: Crypto bulls are back. Are you getting in?
Replies: 105
Views: 7911

Re: Crypto bulls are back. Are you getting in?

Nope. I don't invest in currencies, beanie babies, baseball cards, tulips, or precious metals. That's all speculation and/or "greater fool" to me. Stocks and bonds only.
by LiterallyIronic
Wed Apr 10, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6174

Re: How Much Do You Pay For Haircut?

Heh, I love the places that charge men less than women. Maybe someday they'll learn to charge based on the haircut rather than on chromosomes. My hair is around 13 inches long. I go to a place that has about a 90-120 minute process. They first wash my hair over a sink, including shampoo and conditi...
by LiterallyIronic
Tue Apr 09, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17838

Re: Wife hates new job...wants to quit after 1 day

But why would you not want to identify with something that you spend 8+ hours per day doing? Because you should never tie your identity to something external. That thing could go away, through no fault of your own, and then you end up in an existential identity crisis. I've seen it happen. Someone ...
by LiterallyIronic
Tue Apr 09, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17838

Re: Wife hates new job...wants to quit after 1 day

I was hired into my current job in March 2018 and I was asked after four days at work of being employed I to explain an apparent discrepancy in my work history from 2004 that came up during the background check. I was able to explain the issue, and yes, I questioned why the hell something 14 years ...
by LiterallyIronic
Tue Apr 09, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17838

Re: Wife hates new job...wants to quit after 1 day

we're talking about jobs in the same professional field here, so it's obviously relevant. That type of exclusion (arguably misrepresentation) can lead to not being hired (without the opportunity to explain oneself), or to a very awkward conversation (or termination) after being hired. And? "You mig...
by LiterallyIronic
Tue Apr 09, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6174

Re: How Much Do You Pay For Haircut?

Heh, I love the places that charge men less than women. Maybe someday they'll learn to charge based on the haircut rather than on chromosomes. My hair is around 13 inches long. I go to a place that has about a 90-120 minute process. They first wash my hair over a sink, including shampoo and conditio...
by LiterallyIronic
Tue Apr 09, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17838

Re: Wife hates new job...wants to quit after 1 day

we're talking about jobs in the same professional field here, so it's obviously relevant. That type of exclusion (arguably misrepresentation) can lead to not being hired (without the opportunity to explain oneself), or to a very awkward conversation (or termination) after being hired. And? "You mig...
by LiterallyIronic
Tue Apr 09, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17838

Re: Wife hates new job...wants to quit after 1 day

Immediately start looking for a new job and do the absolute bare minimum to keep this new paycheck coming in. Wild story, sorry for your SO. How does she explain why she is looking for work...after 1 day at her new employer!? This was something we were struggling with. You don't explain it. You pre...
by LiterallyIronic
Tue Apr 09, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17838

Re: Wife hates new job...wants to quit after 1 day

I would look at it this way: She has no job duties and plenty of time on her hands. In other words, she's getting paid six figures to do interviews at other companies. No way I would leave until they told me to..... This. If someone wanted to pay me $100,000/year to check my e-mail, I'm riding that...
by LiterallyIronic
Tue Apr 09, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 191
Views: 17838

Re: Wife hates new job...wants to quit after 1 day

Immediately start looking for a new job and do the absolute bare minimum to keep this new paycheck coming in. Wild story, sorry for your SO. How does she explain why she is looking for work...after 1 day at her new employer!? This was something we were struggling with. You don't explain it. You pre...
by LiterallyIronic
Mon Apr 08, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Q to ppl who use spreadsheet for personal finance
Replies: 64
Views: 4966

Re: Q to ppl who use spreadsheet for personal finance

I have been considering switching from quicken to spreadsheet for yrs. (Currently, importing downloaded bank files to quicken) If you are using spreadsheet to keep personal finance record, can you answer any of these? Any know-how will be appreciated. 1. Do you have a current snap shot showing all ...
by LiterallyIronic
Mon Apr 08, 2019 9:59 am
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 737
Views: 63365

Re: That's enough for me in 2019

Something is very wrong. Are not Bogleheads all about buy and hold of index funds forever? Why is everyone here now doing market timing? Yep, buy and hold is the recommendation. There is always going to be a subset of people who are looking at various indicators, trying to make predictions, but hop...
by LiterallyIronic
Fri Apr 05, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8086

Re: Married couples: can you have a team mentality with separate finances?

Decisions that's good for one person's career but bad for the other's Decisions to stay home with kids Unfortunate circumstances 1) Philosophical ideas of fairness and ownership . He feels that after taking care of family expenses, the person who earns the money should get to keep it and control ho...
by LiterallyIronic
Thu Apr 04, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What is Financial Independence (FI) in the simplest terms?
Replies: 80
Views: 4638

Re: What is Financial Independence (FI) in the simplest terms?

I see FI being talked about a lot on here. Such as I plan on being financially independent at 45, 55, and so on. Is Financial Independence simply the point when investment income (using 3% withdrawal rate) and /or passive income exceeds your annual expenses? I am on track to have a paid for house a...
by LiterallyIronic
Thu Apr 04, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16299

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

I started as a software developer at 19. Made the same observation about age discrimination then. Maybe not quite 2%, but it is definitely single digits. I set a goal to retire at 50 back then. I will most likely miss that goal. Lifestyle inflation and healthcare costs just prevent it. I didn't sta...
by LiterallyIronic
Wed Apr 03, 2019 10:59 am
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16299

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

Of those who are pushed out in their 40s or 50s..... Are they the ones that jump from job to job to maximize their incomes and eventually price themselves out of the market? Or are the ones who tend to work for below market wages (in exchange for more "security", more work-life balance, etc) just a...
by LiterallyIronic
Tue Apr 02, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Second Favorite Financial Forums
Replies: 8
Views: 1448

Re: Second Favorite Financial Forums

Only only frequent two. Bogleheads.org to feel poor and /r/personalfinance to feel rich. :wink:

And I can help people with the financial basics there more than here - people are more likely to have their financial houses in order here.
by LiterallyIronic
Tue Apr 02, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 11588

Re: Is our household budget crazy?

It concerns me because I have a suspicion that we could live the same quality of life while spending a lot less. I did not grow up rich at all — we always used the public library instead of buying books, ate out a couple of times a year, I didn't have my own bedroom until high school. Yet I had a v...
by LiterallyIronic
Tue Apr 02, 2019 10:27 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 695
Views: 87281

Re: Post your Financial Milestone Announcements Here

Just hit a net worth of $200,000! It took about as long to go from $100,000 to $200,000 as it did from $50,000 to $100,000. Home equity ($105,000) is a big part of that, though, as invested assets are just $79,000.
by LiterallyIronic
Mon Apr 01, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to get cash quickly
Replies: 102
Views: 5784

Re: How to get cash quickly

The Wizard wrote:
Mon Apr 01, 2019 4:43 pm
$3500 is way less than one month's pay for most people nowadays.
You and I obviously live in very different worlds.
by LiterallyIronic
Mon Apr 01, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 737
Views: 63365

Re: That's enough for me in 2019

market timer wrote:
Sat Mar 16, 2019 7:41 am
This is my top-calling post. Feel free to bump as we make new highs.
Bump, by request. Dow Jones topped 26,200 today. Not quite back to October's high of ~26,800, but it's getting close.
by LiterallyIronic
Mon Apr 01, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Valuing retirement years
Replies: 35
Views: 3499

Re: Valuing retirement years

We never know what life can throw at us-fires, accidents-health issues- and DEATH. The time to enjoy life is NOW. I say retire if you can! Exactly. There's a billboard along my commute (for some local community college) that says, "Life is too short to waste in the wrong career." I disagree with th...
by LiterallyIronic
Sat Mar 30, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

But this isn't the way to think about it. You would save money in interest by paying more towards the mortgage, but you would also lose money elsewhere by not having the money available to invest (say, in your 401(k)). You need to compare based on the total money for both options (preferably consid...
by LiterallyIronic
Fri Mar 29, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

My mortgage payment is $825. This is way too high. Then, as Klang would say, you bought more house than you can afford. You ignore inflation at your own risk. Listen to what you're saying: I can't afford my payment. But I'm paying extra (or planning to). Good luck with your plan. KlangFool would te...
by LiterallyIronic
Fri Mar 29, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

My mortgage payment is $825. This is way too high. Then, as Klang would say, you bought more house than you can afford. You ignore inflation at your own risk. Listen to what you're saying: I can't afford my payment. But I'm paying extra (or planning to). Good luck with your plan. KlangFool would te...
by LiterallyIronic
Fri Mar 29, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 11588

Re: Is our household budget crazy?

But if you do want me to, I can tell you how I feed a family of three on $225/month... Can you share? I'd love to trim even $100 off our monthly food budget so even if I can use a few of your tricks, maybe we'll benefit! I can't get into the nitty-gritty of exactly what we buy unless I have my wife...
by LiterallyIronic
Fri Mar 29, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

I hope all your available pre-tax space is filled if you are paying down that loan. Do not recast your loan. PLEASE. You would simply add on more years and more interest. Re-casting is for those who want or need a lower payment. You don't. You are paying EXTRA. Look into a refi with a shorter term....
by LiterallyIronic
Fri Mar 29, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 13964

Re: How often do you check your net worth?

On the first of every month. I simply check the balance of checking, savings, 401k, IRAs, get the current Zillow estimate for my house value, and check how much I owe on my mortgage. Throw it all in a spreadsheet that has been graphing net worth monthly since 2012.
by LiterallyIronic
Thu Mar 28, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

I hope all your available pre-tax space is filled if you are paying down that loan. Do not recast your loan. PLEASE. You would simply add on more years and more interest. Re-casting is for those who want or need a lower payment. You don't. You are paying EXTRA. Look into a refi with a shorter term....
by LiterallyIronic
Thu Mar 28, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is our household budget crazy?
Replies: 141
Views: 11588

Re: Is our household budget crazy?

You have a huge income and you're spending like 25% of it. You don't have a reason to cut your budget, but if you really want to, I'm your man. I'm notoriously cheap. You have $250 in "uncategorized" while I'd flip out if I had $2.50 in "uncategorized." I track literally every cent. We cancelled Net...
by LiterallyIronic
Thu Mar 28, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

...you will still be fully obligated to make all monthly mortgage payments on the regular schedule. ... Don't forget that recasting is an option for many loans if you get ahead of the amortization schedule and need to lower your required payment. I looked at recasting with Wells Fargo extensively a...
by LiterallyIronic
Thu Mar 28, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

I’ve learned something new today - that people are still manually paying their monthly mortgage payments :shock: With money orders, apparently. The Post Office thanks you! LOL. But, no, I don't pay the mortgage with a money order. I just have the teller transfer money from my checking account to my...
by LiterallyIronic
Thu Mar 28, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

I’ve learned something new today - that people are still manually paying their monthly mortgage payments :shock: With money orders, apparently. The Post Office thanks you! LOL. But, no, I don't pay the mortgage with a money order. I just have the teller transfer money from my checking account to my...
by LiterallyIronic
Thu Mar 28, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

Do people really send payments early? Is that a thing? Or send in advance payments? Why not just keep the money to be used in case of emergency? I mean I guess if you use postal mail and are worried about being late. I almost always pay mine on the 7th, never past the 14th, and almost never on the ...
by LiterallyIronic
Thu Mar 28, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

Do people really send payments early? Is that a thing? Or send in advance payments? Why not just keep the money to be used in case of emergency? I mean I guess if you use postal mail and are worried about being late. I almost always pay mine on the 7th, never past the 14th, and almost never on the ...
by LiterallyIronic
Thu Mar 28, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

The subject is misleading. And this part in OP should be highlighted. If you want to pay extra principal on the mortgage (to reduce interest paid), you must specifically identify such extra to the lender so that the principal is reduced. [/b] Banks have become greedier. I paid off my mortgage early...
by LiterallyIronic
Thu Mar 28, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10661

Re: Paying "early" on mortgage may be unwise

If you want to pay extra principal on the mortgage (to reduce interest paid), you must specifically identify such extra to the lender so that the principal is reduced. if/when you do this - you will still be fully obligated to make all monthly mortgage payments on the regular schedule. Yep. This is...
by LiterallyIronic
Wed Mar 27, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Potty Training regression with 4 year old
Replies: 28
Views: 1063

Re: Potty Training regression with 4 year old

Hmm, my kid is only two, so I don't have any experience to share from a parent's perspective yet. But I did have a lot of younger siblings (including one that is 19 years younger than me!), so I did see what was going on from an older brother's perspective. My parents asked the kid in "potty trainin...
by LiterallyIronic
Wed Mar 27, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?
Replies: 76
Views: 3837

Re: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?

I have a friend who asked for advice. I would not give any but gave a link to the If You Can pdf and to Bogleheads . Next thing I know, she moved money money from one expensive advisor to another. :oops: To OP, point your friend to Dave Ramsey and learn how to redirect a conversation. I don't under...
by LiterallyIronic
Wed Mar 27, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?
Replies: 76
Views: 3837

Re: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?

Well put by previous response. I don't talk to friends about money, religion, or politics. Steer clear of these topics and you won't have the aggravation. Especially if you know they may press you. Just tell them these are taboo topics for you. Thanks for the advice, I am considering doing that now...
by LiterallyIronic
Wed Mar 27, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 5877

Re: A 23% increase from ATT Wireless

Agreed. Postpaid isn't always bad. I have 10 lines for $190 after taxes and fees. That being said, I would not put up with T-Mobile changing my plan. "Oh, we're giving you more features and raising your price." They do that, my thirteen years of loyalty is done. 10 lines? 10 smart phones with calli...