Search found 947 matches

by LiterallyIronic
Tue Jan 15, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2123

Re: School staff threatened to call social worker

"But it's only kindergarten" is definitely not the right outlook. OP, this isn't permissible in public schools, period. Excessive absences impact learning, and funding. Even if you get approval to do this now, you won't in the future. You had a child(ren). You now have summers off, 2 weeks at Chris...
by LiterallyIronic
Tue Jan 15, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 47
Views: 1793

Re: Are You Dumping Netflix?

We dumped it about six months ago. We only picked it up so my wife would have something simple to watch when she was up at night feeding the baby. After the baby started sleeping through the night, we dropped it. I thought we got pretty good value out of it and I could see us possibly picking it up ...
by LiterallyIronic
Tue Jan 15, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 2123

Re: School staff threatened to call social worker

Psh, I'd just threaten to pull her out of school entirely to home-school instead. They get funding based on the number of students, so strong-arm them. There's a good chance school isn't even compulsory for her yet, based on age: http://ecs.force.com/mbdata/MBQuest2RTanw?rep=KK3Q1801. Only 17 states...
by LiterallyIronic
Tue Jan 15, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 48
Views: 1315

Re: Any good reason to get a smartwatch?

I'm of the same school of thought, OP. I eschew technology. And I say this as a 35-year-old software developer. Smartwatch? Please. I only just got a smartphone a few months ago, and it's just for calling people - no apps. And I specifically did not enable the voice-activation or GPS features; I don...
by LiterallyIronic
Tue Jan 15, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Anyone have TCL Series 4 65” TV?
Replies: 14
Views: 1070

Re: Anyone have TCL Series 4 65” TV?

I recently bought the 43" series 5 Roku TCL, and overall I like it fine. One caveat: sometimes it just doesn't turn on. I have to push a little button on the buttom of the set and then it comes on. This doesn't happen all of the time, maybe 3 times total so far in turning it on my 50 times, but I'm...
by LiterallyIronic
Tue Jan 15, 2019 12:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 553
Views: 60349

Re: U.S. stocks continue to soar!

I just rolled my old 401k to Vanguard. I got the check in the mail yesterday, and I'll be forwarding it on to Vanguard today. So expect the market to climb like crazy over the next few days while I'm in "cash".
by LiterallyIronic
Mon Jan 14, 2019 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: I know market timing is a fool's game but...
Replies: 59
Views: 4401

Re: I know market timing is a fool's game but...

yeahman wrote:
Sun Jan 13, 2019 12:22 pm
Anyone else pausing contributions to equities or even reallocating existing money?
Nope. Increased the amount I'm contributing from $1324/month to $1625/month. 401k is 100/0, Roth IRAs are 90/10.
by LiterallyIronic
Mon Jan 14, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Saving for the short(er) term
Replies: 1
Views: 172

Saving for the short(er) term

I want to start putting some money aside for some larger expenses. Specifically, I want to put $10,000 aside for a trip to Europe and $30,000 aside for buying a DeLorean. I want to move money from my existing checking account every month to allow the balances to eventually accrue up to those amounts...
by LiterallyIronic
Mon Jan 14, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Geek Squad Wait Time
Replies: 13
Views: 1146

Re: Geek Squad Wait Time

What seems to be the trouble with your machine? There aren't that many fixes a person can do by remoting in. For example, if the problem is that your Internet is down, then that's not happening. Or if you're experiencing hardware issues, remoting in won't fix a thing. It's really just performance is...
by LiterallyIronic
Fri Jan 11, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9563

Re: Disciplined with finances, but not so with diet

Why don’t you have more outdoor activities with your wife. It might help her. Do you live somewhere cold. I notice I hibernate more when it’s cold. California has been brutal lately. I didn’t spend one day outside before I went on my vacation. Yeah, Utah. It's cold. I don't want to go outside. It m...
by LiterallyIronic
Fri Jan 11, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9563

Re: Disciplined with finances, but not so with diet

My spouse is usually 20-50 pounds over weight. on a small frame. It just isn't a priority for her. She does everything for everyone else. She can lose the weight and has done it. It just slowly creeps back on. I finally got to the point where I said if I mention eating better, exercising more, not ...
by LiterallyIronic
Fri Jan 11, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9563

Re: Disciplined with finances, but not so with diet

There's no secret to it. Consume fewer calories than you burn and you'll lose weight. Either exercise more or consume less. The choice is yours. NOTE THAT I AM INSANE AND NOT A DIETITIAN OR DOCTOR, NOR IS THIS MEDICAL ADVICE, NOR SHOULD YOU FOLLOW IT. I HAVE NEVER LOST WEIGHT IN MY LIFE, ONLY KEPT M...
by LiterallyIronic
Fri Jan 11, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13739

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Parent here. Wife stays at home with the toddler. Income is $75k. Saving 26% of gross (not counting employer match) and paying extra on the mortgage. Don't think we'll make it to the one million dollar club. If you keep saving 26% of your salary for 30 years you probably will end up a millionaire. ...
by LiterallyIronic
Fri Jan 11, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13739

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

Parent here. Wife stays at home with the toddler. Income is $75k. Saving 26% of gross (not counting employer match) and paying extra on the mortgage. Don't think we'll make it to the one million dollar club. If you keep saving 26% of your salary for 30 years you probably will end up a millionaire. ...
by LiterallyIronic
Thu Jan 10, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off a 30 year mortgage in 15 years? The cost of flexibility
Replies: 75
Views: 6788

Re: Pay off a 30 year mortgage in 15 years? The cost of flexibility

For a $100,000 mortgage paid off in 15 years with a 5.01% interest rate (i.e. paying off a 30 year mortgage in 15 years), the principal and interest payment would be $791.31, and the total interest paid over the 15 years would be $42,435.80. In contrast, the same mortgage paid off in the same time ...
by LiterallyIronic
Thu Jan 10, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13739

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

This thread is an inspirational one. It's been a good read. I'd like to hear from the parents here. Average cost of raising a kid in the US is $2k/month. With daycare in a high COLA area, earning less than $100k and saving sufficiently to eventually net over a millionaire has got to be a struggle. P...
by LiterallyIronic
Thu Jan 10, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 54
Views: 3813

Re: MMORPG games

I have the following consoles hooked up to my television, all ready to play at the drop of a hat: NES, SNES, Nintendo64, GameCube, Wii, Wii U, Switch, Genesis, Xbox, Playstation 1, Playstation 2, and Playstation 4. I have the NES Classic and SNES Classic, but they're still sealed in their boxes. I w...
by LiterallyIronic
Wed Jan 09, 2019 3:57 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5219

Re: BHers, what is your Roth IRA %?

Just rolled over my old company's 401k to a Traditional IRA, so that makes us about 80% Roth IRA, 19% Traditional IRA, 1% 401k.
by LiterallyIronic
Wed Jan 09, 2019 10:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 553
Views: 60349

Re: U.S. stocks continue to soar!

While its nice to see my account go back up I was kinda hoping this downturn would last a bit longer so I could buy a bit more at reduced prices. I suppose it could easily start going back down at any moment. Seriously. I completely missed the last run up, since I had pretty much nothing invested y...
by LiterallyIronic
Wed Jan 09, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 553
Views: 60349

Re: U.S. stocks continue to soar!

While its nice to see my account go back up I was kinda hoping this downturn would last a bit longer so I could buy a bit more at reduced prices. I suppose it could easily start going back down at any moment. Seriously. I completely missed the last run up, since I had pretty much nothing invested y...
by LiterallyIronic
Tue Jan 08, 2019 5:38 pm
Forum: Investing - Theory, News & General
Topic: Financial goals for 2019 (specific)
Replies: 70
Views: 5653

Re: Financial goals for 2019 (specific)

1) Save $24,000, including employer match that vests immediately 2) Pay down mortgage to less than $136,000 balance (as of January 1, it's at $141,900) - so $500/month in principal 3) Pay for, in cash, the following home improvements: a) Dishwasher installation (and accompanying necessary kitchen re...
by LiterallyIronic
Tue Jan 08, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6232

Re: What do you think are (some of) the best states to live in?

what states offers as much of or as solid a mix as possible of the following: decent job opportunities/economy good education favorable climate potential for outdoor activities/scenery relatively "fair" COL those that have lived or explored living in other states in the country, what are your thoug...
by LiterallyIronic
Tue Jan 08, 2019 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10497

Re: Fiance Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

To most a 10K wedding sounds like a country bumpkin hee-haw wedding, and could be considered low-brow..... You made me choke on my coffee. That's almost word for word what I told my then fiance when his family was jabbering about the cost of our "lavish" wedding and expected us to have our receptio...
by LiterallyIronic
Tue Jan 08, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2723

Re: Balsam Hill - Defective Christmas Tree

southerndoc wrote:
Tue Jan 08, 2019 11:58 am
We have learned a lesson though. Never purchase a $1,500 tree from Balsam Hill.
If anything, the lesson I've learned here is that, if I ever go the artificial tree route, I will purchase from Balsam Hill because now I know they'll ship me a replacement tree if my first one has an issue.
by LiterallyIronic
Tue Jan 08, 2019 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10497

Re: Fiance Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

To most a 10K wedding sounds like a country bumpkin hee-haw wedding, and could be considered low-brow..... You made me choke on my coffee. That's almost word for word what I told my then fiance when his family was jabbering about the cost of our "lavish" wedding and expected us to have our receptio...
by LiterallyIronic
Tue Jan 08, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Balsam Hill - Defective Christmas Tree
Replies: 66
Views: 2723

Re: Balsam Hill - Defective Christmas Tree

Now I've seen everything. You bought a tree. It had a problem. You asked for it to be replaced. They shipped you a new one. And you want to sue them because they wanted to put in on your porch (like everything that ever gets delivered!) instead of them moving it six feet into your living room becaus...
by LiterallyIronic
Tue Jan 08, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 73
Views: 3798

Re: 11 days in Europe...Budget and logistical advice please

Of course I do, like everybody else from any other country. Having the passport with you invites problems. Having a money belt also invites problems (and with do you do with it on a beach?). I am not sure why Americans believe that their passport is so interesting (and so irreplaceable). Anyway, no...
by LiterallyIronic
Mon Jan 07, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Windows 10 / Office 2019 headache
Replies: 24
Views: 1574

Re: Windows 10 / Office 2019 headache

I use Office 2016 and Windows 7. I had been using Office 2000 up until last year, but finally decided to upgrade it. I don't do the "subscription model." Pay for software once and use it as long as you want is far superior to paying every month until they decide to make it impossible to access it. O...
by LiterallyIronic
Mon Jan 07, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 73
Views: 3798

Re: 11 days in Europe...Budget and logistical advice please

Goals for the city: Eiffel Tower, the Louvre, and L'arc de Triomphe. If possible, goals for the country: Maybe Versailles and/or Normandy If possible, goals for out of the country: Switzerland, Venice, and Belgium Ooh, I'll be reading this thread closely. I, too, have a goal to go see Europe some d...
by LiterallyIronic
Mon Jan 07, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Are we at "Peak FI"?
Replies: 93
Views: 9833

Re: Are we at "Peak FI"?

As far as FIRE is concerned, yes the bull run made it possible. The lifestyle of frugality and high to extremely saving (20% to over 50% of gross income) is likely here to stay. I graduated University in 2008, the worst possible time for a new graduate and was underemployed for many years despite t...
by LiterallyIronic
Mon Jan 07, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Who pays for apps?
Replies: 42
Views: 2464

Re: Who pays for apps?

As a former software developer at least 85% of my apps are paid. I also hate ads. As a current software developer, I don't put apps on my phone. My phone is for calling people; my desktop is for using software. People seem to be of a notion that the phone is the wave of the future or whatever, but ...
by LiterallyIronic
Fri Jan 04, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Paying (paper) cash for daily transactions
Replies: 83
Views: 3746

Re: Paying (paper) cash for daily transactions

The only thing I use cash for any more is services. Electrician coming to house? Cash. Yard guy coming to winterize my sprinklers? Cash. Mechanic fixed my alternator? Cash. These people usually offer a discount for paying in cash. Plus I don't want to have some random bug exterminator or someone swi...
by LiterallyIronic
Fri Jan 04, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8225

Re: What Do You Spend The Most On Annually?

#1. Inflation expense on savings/investments: 80% of income #2. Education (2 kids college): 20% #3. Housing (mortgage, insurance, property tax, maintenance): 16% #4. Non-property/auto taxes: 10% #5. Healthcare (insurance/copays/deduct): 8% #6. Utilities: 8% #7. Gifts (aid to aging relatives with ne...
by LiterallyIronic
Fri Jan 04, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8225

Re: What Do You Spend The Most On Annually?

Out of Total Income roughly: 63.5% of gross is Savings. 24.3% of gross is Taxes and Health Insurance premiums. 12.2% of gross is Living Costs and Discretionary spending. Of the Living Costs/Discretionary spending: 41% is Rent. 14% is Food. 13% is Travel. 4.5% is Misc. (postage, cookware, odds and e...
by LiterallyIronic
Fri Jan 04, 2019 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Ever wonder if you are saving Too Much?
Replies: 67
Views: 5261

Re: Ever wonder if you are saving Too Much?

Sometimes, yes. There are a lot of fun things we could do that we skip. We pretty much never go anywhere or do anything. But I'm 35 (wife is 30) and we have $64k saved for retirement (no sympathy for OP's "only $600k" at 39). So I HAVE to keep saving like a madman just to get caught up to where I'm ...
by LiterallyIronic
Fri Jan 04, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8225

Re: What Do You Spend The Most On Annually?

Out of Total Income roughly: 63.5% of gross is Savings. 24.3% of gross is Taxes and Health Insurance premiums. 12.2% of gross is Living Costs and Discretionary spending. Of the Living Costs/Discretionary spending: 41% is Rent. 14% is Food. 13% is Travel. 4.5% is Misc. (postage, cookware, odds and e...
by LiterallyIronic
Fri Jan 04, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8225

Re: What Do You Spend The Most On Annually?

The biggest heavy-hitters are as follows (I track every dollar we spend, but these are the big ones): All figures monthly 1. Retirement: $1,625 (26% of gross) 2. Mortgage PITI ($825) + Principal Prepayment ($200): $1,025 (16.4% of gross) 3. Taxes: $910.54 (14.6% of gross) 4. Charitable Contributions...
by LiterallyIronic
Thu Jan 03, 2019 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6124

Re: Delaying retirement just to help adult children

Yeah, 15 year term. Who buys whole? That's what people were talking about. Whole life. Oops, sorry. When I see "life insurance" I only think about term. Whole never even enters my mind unless someone specifically mentions it. Your think8ng is wrong unless your wife has a career that pays the same a...
by LiterallyIronic
Thu Jan 03, 2019 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6124

Re: Delaying retirement just to help adult children

But some people do view life insurance as a gift to their heirs, as opposed to temporary income replacement for their dependents. A lot of people who don't have any dependents at all buy life insurance. They could be spending their money on vacations or luxury cars instead, but they value the gift ...
by LiterallyIronic
Thu Jan 03, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: What Sudden Needs of Cash Do You Prepare For?
Replies: 64
Views: 3591

Re: What Sudden Needs of Cash Do You Prepare For?

I don't see a reason to have a breakdown. Cash is fungible. We keep $10,000 in the bank (up from $6,000 when we were renting). If it goes to car repair, house repair, or mortgage during job loss, it's all the same.
by LiterallyIronic
Thu Jan 03, 2019 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Delaying retirement just to help adult children
Replies: 66
Views: 6124

Re: Delaying retirement just to help adult children

But some people do view life insurance as a gift to their heirs, as opposed to temporary income replacement for their dependents. A lot of people who don't have any dependents at all buy life insurance. They could be spending their money on vacations or luxury cars instead, but they value the gift ...
by LiterallyIronic
Wed Jan 02, 2019 2:31 pm
Forum: Investing - Theory, News & General
Topic: Any reason for optimism?
Replies: 81
Views: 3054

Re: Any reason for optimism?

KlangFool wrote:
Wed Jan 02, 2019 1:49 pm
For anyone to claim that they know, they are lying. Nobody knows nothing.
KlangFool wrote:
Wed Jan 02, 2019 1:52 pm
We are heading towards a recession. It is just a matter of time. It is either this year or next.
:oops:
by LiterallyIronic
Wed Jan 02, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8267

Re: Your ideal home size

Family of three; 1274 square feet is what we have. I wish we had closer to 2000 (and having two bathrooms would've been nice and we don't have room for a kitchen table that seats more than three so that's unfortunate), but that was outside our budget. Hopefully we can pay this house down rapidly, en...
by LiterallyIronic
Wed Jan 02, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating my 2018 Spending
Replies: 32
Views: 2292

Re: Evaluating my 2018 Spending

What will you do differently in terms of spending in 2019? I got tired of my wife just simply charging things to her credit card and paying it off without me being in the loop for every purchase (aside from things meant to be surprises), so we will be discussing every day's purchases over dinner ev...
by LiterallyIronic
Sat Dec 29, 2018 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 903
Views: 232511

Re: What is your Year 2018 networth change?

I won't know the official final values until the year actually ends, but I'm up massively. Net Worth over 2018: January 1: $119,702.04 December 1: $181,925.77 December 29: ~$182,029.43 Net worth change over 2018: +52% Retirement accounts over 2018: January 1: $51,233.03 December 29: ~$63,886.36 Acco...
by LiterallyIronic
Fri Dec 28, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can my daughter afford
Replies: 52
Views: 3685

Re: How much house can my daughter afford

Dave Ramsey is on the more conservative side of things but he recommend no more than 1/4 of take home pay going to a 15 year mortgage. I never heard that before I bought but was happy to find myself inside it. It's really nice not being house poor. But what is "take home pay"? Amount after taxes? A...
by LiterallyIronic
Fri Dec 28, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3329

Re: not funding kid's tuition

I'm 35 and I have $67k saved for retirement. Sorry, but there's just not enough money for me to pay for my kid's university tuition and still adequately fund my retirement. There is FAFSA and loans for tuition, but not for retirement. Our plan is to give our kid $10k or whatever we can muster up and...
by LiterallyIronic
Fri Dec 28, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: How much house can my daughter afford
Replies: 52
Views: 3685

Re: How much house can my daughter afford

Dave Ramsey is on the more conservative side of things but he recommend no more than 1/4 of take home pay going to a 15 year mortgage. I never heard that before I bought but was happy to find myself inside it. It's really nice not being house poor. But what is "take home pay"? Amount after taxes? A...
by LiterallyIronic
Wed Dec 26, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance - Is this too much?
Replies: 22
Views: 1843

Re: Life Insurance - Is this too much?

If I'm reading this correctly, you're paying $1,500/year for your $1M coverage and $525/year for her $500k coverage and $450/year for the employer-based coverage? A total of $206.25 per month? I can't comment on if the policy limits are right (because I don't even really know how to figure out if my...
by LiterallyIronic
Wed Dec 26, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 4541

Re: Working Holidays for extra money.

I've always taken every single day off possible for my whole life. I once quit a job because they wouldn't give me Christmas off. Nor would I accept a job that had an "on-call" portion to it. However, for 2.5x my pay (which would be somewhere in the vicinity of $700), I think even I would come in a...