Search found 690 matches

by Elsebet
Wed May 22, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Frustration dealing with contractors....am I doing something wrong?
Replies: 43
Views: 4401

Re: Frustration dealing with contractors....am I doing something wrong?

We are east of Seattle and definitely have had issues with contractors, much more so than when we lived in Ohio. I thought maybe it was due to the lower cost of living in Ohio allowing more people to run small contracting businesses. Our roofer back in Ohio would always come out the next day after I...
by Elsebet
Mon May 20, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

Burning, streaming on Netflix. Reminded me a bit of a Korean version of "American Psycho".
by Elsebet
Thu May 16, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Fixing Bad Lawn
Replies: 13
Views: 2076

Re: Fixing Bad Lawn

Good general advice here even if it is tailored a bit for Washington state:

http://gardening.wsu.edu/lawns/
by Elsebet
Thu May 16, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4050

Re: Reservations about job offer

Unless you really want to work for this company or need the job desperately I would decline, it sounds like you would be in for some drama at best and soul-crushing politics at worst.
by Elsebet
Tue May 14, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you receive a letter if you credit card is about to be closed for inactivity?
Replies: 18
Views: 1489

Re: Do you receive a letter if you credit card is about to be closed for inactivity?

My wife just got a letter 2 days ago from American Express stating that her AmEx Blue Card would be closed for inactivity and it also said that if we used it they would then not close the account. I received an email like this recently as well and just paid my grocery bill with the AmEx Blue card i...
by Elsebet
Fri May 10, 2019 3:12 pm
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 68
Views: 6293

Re: Any conservative young investors?

I'm 42, not sure if you consider that young, but when I tell people I'm 70/30 I often get remarks about being too conservative for my age.
by Elsebet
Thu May 09, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1243
Views: 125784

Re: [What TV Show Have You Recently Watched?]

The Act on Hulu. I'm not finished yet but it's very good so far. I will caution it's a bit trying on the emotions.
by Elsebet
Wed May 08, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8325

Re: Anyone else looking forward to Game of Thrones?

Great series but I feel like season 7 and 8 dropped a bit in terms of overall quality.

PSA: Do not read the game of thrones subreddit if you want to continue enjoying the show by the way. :)
by Elsebet
Tue May 07, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2384

Re: Indian cookbooks

This is my favorite indian cookbook: Lord Krishna's Cuisine - the art of Indian Vegetarian Cooking Note that the recipes in this book are vegetarian and do not have onion or garlic, you can add them if you wish. My husband will not eat onion and isn't overly fond of garlic so it works out fine for u...
by Elsebet
Fri May 03, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: PMI / Removing PMI question
Replies: 11
Views: 732

Re: PMI / Removing PMI question

I recently had the PMI cancelled on my US Bank mortgage. The entire process was antiquated, I sent a message asking to have the PMI removed via the website and they responded by snail mail telling me I needed to submit another PAPER request asking to have it removed and send a check for the removal ...
by Elsebet
Wed May 01, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 91
Views: 6932

Re: Gardening 2019

I have cherry/regular tomatoes and cucumbers that I started from seed in my indoor greenhouse. The weather is improving rapidly here in the Seattle area so I may plant them in a few weeks. I think that is all I will plant this year, just not in the gardening mood lately.
by Elsebet
Wed May 01, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

Green Book - I tend to like most things with Viggo Mortensen and this was no exception. I ended up doing a lot of reading about the real Green Book and real life characters from the movie so I was both entertained and educated. The Brood - this is an older Canadian horror movie with hilariously bad ...
by Elsebet
Wed May 01, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 18
Views: 1506

Re: Job Options

Have you tried finding a different job at your current company? Perhaps talk to your manager and express your desire to move into a more challenging role?

I want to advise you to take the new job but with two young children having family nearby is a huge benefit that's difficult to monetize.
by Elsebet
Mon Apr 29, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4882

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

I never found it appealing to know that I could be rich if I lived below my means. I found it very appealing to know that I could be free if I lived below my means. In my early career, that freedom meant I could be fired or quit without a financial emergency. Mid-career that meant I could live the ...
by Elsebet
Sat Apr 20, 2019 11:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

Krisha, streaming on Netflix. If you had/have any addicts in your family like I did, this movie hits close to home.
by Elsebet
Thu Apr 18, 2019 2:38 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 80
Views: 5180

Re: In which companies do you own a single share, or token amount, of stock?

In my Fidelity brokerage account I have 1 share of T-Mobile stock they gave to all active customers a year ago.

I also have 6 shares of Cintas stock back from when I worked there in 2004-2006.
by Elsebet
Wed Apr 17, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

A Star is Born - watching Bradley Cooper do his best Sam Elliot impersonation was fun, worth a watch just for that.
by Elsebet
Tue Apr 16, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6572

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

My two consistent hobbies would be video games and gardening. Video games I started at a very young age, my two older brothers had an Atari and I practically begged them to play it or played when they were not home. From there I went graduated to an NES and SNES, then got a PC and never really went ...
by Elsebet
Wed Mar 27, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3742
Views: 1078256

Re: What Book Are You Currently Reading? Part VI

I'm reading a few books. One Second After - power goes out in multiple countries, chaos ensues. The writing is a little uneven, but it's a compelling story. This book makes me paranoid that my current well-stocked pantry is not enough. :) Professional Baking - always trying to be a better baker! The...
by Elsebet
Wed Mar 27, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?
Replies: 76
Views: 3915

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

Don't be judgemental. Don't try to fix people. I have to mildly disagree with these two. Here are just 4 examples of when people smarter than myself interceded in my life to my betterment. - when I was 22, the gentleman in the next cube nagged me until I put 18% into my 401k - about a decade ago a ...
by Elsebet
Tue Mar 26, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

We watched "Blindspotting" last night on blu-ray from Netflix. I liked the movie overall, it had a lot of energy and combined some very serious topics with a lot of comedy and wit. Slight spoiler: if you are someone who has taken gun safety training like I have, one of the early scenes may have you ...
by Elsebet
Tue Mar 26, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

Free Solo purchased from Amazon Prime. What Alex Honnold does is unbelievable. He climbs El Capitan in Yosemite without ropes or assistance. The scenery and views are spectacular. Some claim it is the greatest sports achievement in history and I just may have to agree. Thank you for the recommendat...
by Elsebet
Mon Mar 25, 2019 2:26 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 130
Views: 28255

Re: Seattle Area Chapter Meetings - Master Thread

Can we setup like a meetup group (meetup.com)? Would be easier to coordinate there. And the group seems to be inactive/semi-active, until recently (which is a good thing)... are people only interested in meeting up once-twice per year? Hi - we've been meeting every other month for lunch. I've been ...
by Elsebet
Thu Mar 21, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1243
Views: 125784

Re: [What TV Show Have You Recently Watched?]

I binge watched "Shrill" on Hulu. I like Aidy Bryant on SNL and I thought this show was cute and light enough to just enjoy and not really dig too deep into it. It reminds me a lot of "Master of None" on Netflix and makes me wonder if they were trying to compete there.
by Elsebet
Thu Mar 14, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 6417

Re: How many companies have you worked for?

Company A - 1998-2002
Company B - 2002-2004
Company C - 2004-2006
Company D - 2006-2013
Company E - 2013-2018
Company F - 2018-?

I'm age 42 and work in IT, 6 Megacorps so far. I highly doubt this will be my last but one never knows, I thought i would be at Company D forever!
by Elsebet
Thu Mar 14, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5544

Re: Peanut Butter recommendations

Kroger's store brand Natural creamy (or crunchy if that's your jam). Ingredients: Roasted peanuts and salt. Unfortunately it only comes in (teeny tiny) 15 oz jars so you have to buy ~20 at a time, which is a little embarrassing. They are ~1.79 each. It is by far my favorite peanut butter and it als...
by Elsebet
Wed Mar 13, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3014

Re: What time do you start your day?

Traffic is bad here in the Seattle area, so we both go into work very early. My husband gets up at 4:30 and is at his work at 6am. I get up around 5:45 and I'm at work by 6:30 on the days I'm not working remote.
by Elsebet
Wed Mar 13, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 6434

Re: Should I give more money to a family member?

I don't envy your situation. I was given much less than my two brothers in my father's will but I appreciated what I received nonetheless and didn't make a peep about it other than mentioning it here. If you hadn't spoken to your sister of your plans, I would say you are under no obligation to give ...
by Elsebet
Thu Mar 07, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Intro and Personal Finance Advice
Replies: 55
Views: 5118

Re: Intro and Personal Finance Advice

I am so grateful that you are here and working on your debt issue. When I was your age I made a lot of financial mistakes too but found my footing and am in good shape now at 42. if people sound harsh here they probably made similar mistakes and are just trying to give you some "tough love" so you d...
by Elsebet
Thu Feb 28, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 30783

Re: [2018 tax return - How does it compare to previous years?]

Last year we paid $300, this year we owe $2400 for Federal tax, no income tax in WA state. Our income went up quite a bit over last year. This is the first year in recent memory that we have been under the standard deduction, usually we are always over due to mortgage interest and property tax.
by Elsebet
Thu Feb 28, 2019 3:24 pm
Forum: Forum Issues and Administration
Topic: Keep Bogleheads Free! (as in unaffiliated)
Replies: 52
Views: 5368

Re: Keep Bogleheads Free! (as in unaffiliated)

In the spirit of making this actionable, how can a normal poster like me contribute financially to the forum so that it can indeed remain user-supported and free? Preferably online. :)
by Elsebet
Wed Feb 27, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

My wife and I recently watched Roma. Guess I'm not very sophisticated, because I don't understand all the hype about multiple awards. It has its moments, both in terms of acting and cinematography, but it certainly isn't particularly memorable as far as I'm concerned. (and the problem isn't the lan...
by Elsebet
Thu Feb 21, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 41410

Re: Losing a job in your 50's...

In my late 20's I heard a layoff/unemployment horror story from a age 50+ coworker and ever since then I've had it in the back of my mind that I may not be able to work all the way to full retirement age. I have 55 set as my "soft retirement" age just in case I can't work until age 59.5.
by Elsebet
Tue Feb 19, 2019 7:55 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8825

Re: How many bogleheads do you know in real life?

If you count the Bogleheads I've met at the Seattle get-togethers, then I know quite a few. :) There were two co-workers at my last job who had LBYM tendencies. One read MMM's blog but didn't know about Bogleheads. The other was frugal but talked about doing a lot of market timing things with his po...
by Elsebet
Mon Feb 11, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 7624

Re: How many hours do you work and what do you outsource

I'm in IT. I work at home Mon/Fri and in the office Tue-Wed-Thu. My official hours are 6:30-3 but I work almost every evening for a few hours. It's my first year at the company and I'm taking on additional work/responsibility to gain new skills and meet people. I never really minded putting in extra...
by Elsebet
Mon Feb 11, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Side hustle on resume?
Replies: 15
Views: 1123

Re: Career Advice: Side hustle on resume?

I have a section on my resume called "Volunteer Experience" where I list my years of WSU Master Gardener service.

A few years ago I volunteered some time helping an organization define HR related XML schemas, I used to list that too but it's too distant now to mention.
by Elsebet
Fri Feb 08, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much would you contribute to retirement if you max your 2019 contributions?
Replies: 43
Views: 2872

Re: How much would you contribute to retirement if you max your 2019 contributions?

My 401k: 19,000 401k Company Match (estimate): 10,000 My Roth IRA: 6000 My HSA: 6500 His 401k: 2,000 His Roth IRA: 6000 Total: $49,500 Our expenses are $60k per year so if I want to be in the Klangfool club I need to get 10.5k more in there somewhere, probably will see if that's feasible for my husb...
by Elsebet
Thu Feb 07, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Saying hello and hoping for guidance
Replies: 95
Views: 5138

Re: Saying hello and hoping for guidance

On the public school issue, I grew up in a small town of 2500 people and there was only one public school option. There was 1 private Catholic school but it was too expensive for my single-income family. My parents were not engaged at all with my education, fortunately my high school computer scienc...
by Elsebet
Wed Feb 06, 2019 3:45 pm
Forum: Personal Investments
Topic: Don't File Too Early
Replies: 47
Views: 6165

Re: Don't File Too Early

texasdiver wrote:
Tue Feb 05, 2019 11:59 am
If it turns out we owe (or are likely to owe) then I set everything aside until April.
If it turns out we are due a refund then I will file ASAP
I do the same. Haven't had a refund since we got married in 2016 though. :(
by Elsebet
Mon Feb 04, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 3864

Re: The real dog food diet...

We feed our two dogs PureVita Grain-Free kibble. We first switched to grain-free after our older Pug scratched a giant bald patch on her neck. The vet said she was allergic to her food (cheap supermarket brand). After switching her to the grain-free diet she was fine so we just kept with it. We also...
by Elsebet
Fri Feb 01, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 9146

Re: Marriage "Benefits"

On our wedding day, I went into work at the usual time about 6:30am. At 9am a few co-workers and I met my husband-to-be at the courthouse just down the street from our office. We got married at 9:30am by a judge and my co-workers were witnesses. Then we went out for brunch and went back to work. The...
by Elsebet
Fri Feb 01, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 155
Views: 10936

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

When we had a puppy back in Ohio I drove home at lunch to let her out for the first few months, even with only a 30 minute roundtrip commute that got old really quick and she was able to hold it after that. We let both of our dogs home for 8+ hours with no apparent issues. I think it would be lonely...
by Elsebet
Thu Jan 31, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Is Cirque du Soleil worth it?
Replies: 33
Views: 2422

Re: Is Cirque du Soleil worth it?

I saw the Michael Jackson Cirque show in Vegas and while I enjoyed it and appreciated the performers I felt like it had very little to do with Michael Jackson, I think I expected to see more dancing to MJ's music. It was also extremely loud in the beginning which took some time until I got used to i...
by Elsebet
Tue Jan 29, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Saying hello and hoping for guidance
Replies: 95
Views: 5138

Re: Saying hello and hoping for guidance

Welcome to the forum! I will echo the "don't take it personal" caution. I actually enjoy the sometimes blunt advice here even when it has been at my own expense. I'd rather have someone tell me honestly how they feel rather than try to tiptoe around feelings, but I grew up where that frankness was t...
by Elsebet
Thu Jan 24, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 63
Views: 4094

Re: Evaluating Job Offer - Longer Commute

I think the sweet spot is 2 days home, 3 days office. Also, any job I took would have more hours since I would need to commute. I am not sure that is a good benchmark. As someone who has this exact schedule, I concur. I am in the office Tue, Wed, and Thu and work at home Mon & Fri. It's perfect. On...
by Elsebet
Thu Jan 24, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: They Do Steal Those Credit Card Checks
Replies: 48
Views: 3606

Re: They Do Steal Those Credit Card Checks

Discover used to send me those checks and I opted out on their website years ago, haven't seen any since.
by Elsebet
Wed Jan 23, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8331

Re: What is a Boglehead funeral/burial?

I have the romantic notion of being buried simply in a linen shroud (no chemicals) with a tree planted above me, however it is pretty impractical. On the more practical side I like the idea of donation (if possible) and direct cremation with ashes scattered in the woods somewhere.
by Elsebet
Wed Jan 23, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Regret taking a new job
Replies: 19
Views: 3656

Re: Regret taking a new job

I'm not the most skilled technical person. I didn't graduate from a top tier school and I didn't even get top grades. However I get good jobs because I truly enjoy learning and stretching myself technically. I'm not afraid to stumble through something new and I have a "I'll sure try" attitude. Give ...
by Elsebet
Wed Jan 23, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 118
Views: 9475

Re: Need Advice - quit 6-figure job to do coding school?

Please understand I am not being snarky when I ask this next question. You have to be very talented and exceptional to be a software engineer at the big name companies, do you feel confident that is you? Do you contribute to open source projects? Is your github repo full of interesting side projects...
by Elsebet
Wed Jan 23, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a Year Off
Replies: 36
Views: 3746

Re: Taking a Year Off

I did not do this personally but a former co-worker did this with her husband when they were in the early years of their marriage, probably in their late 20's or early 30's. I believe they timed it with a move to a different state. They both quit their jobs in their home state, traveled around the w...