Search found 553 matches

by Elsebet
Fri Sep 21, 2018 3:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 87
Views: 18527

Re: Seattle Area Chapter Meetings - Master Thread

I would say this was a great success! 6 of us showed up for lunch (including me) and we had a great conversation about bonds, 401k programs at companies, and more! Thank you to all who took the time to come out, I really enjoyed meeting you all! One of the great questions from one member was about d...
by Elsebet
Fri Sep 21, 2018 11:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 87
Views: 18527

Re: Seattle Area Chapter Meetings - Master Thread

I will have a black Batman hoodie on and a sign that says "Seattle Bogleheads", looking forward to seeing folks today! Hi guys! I am planning a lunch meeting on Friday, September 21 at 11:30am at Bellevue Brewing Company. Please RSVP here or to seattlebogleheads@gmail.com before Monday, September 10...
by Elsebet
Thu Sep 20, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 207
Views: 13778

Re: What is your single most expensive mistake?

Moving to a HCOL area without a sufficiently high salary increment. Expenses rose more than expected and reduced my savings. I was back to my previous location in a year. I did this too (Cincinnati, OH -> Seattle, WA), but corrected it 4 years later with a new job in the same area. Still want to go...
by Elsebet
Wed Sep 19, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 14
Views: 1775

Re: New job offer

Only concern I can see is the toll on family. Being gone for an extra two hours a day could put a lot more responsibility on your spouse. In addition to a spouse, do you have or are planning to have kids? 2 hours less with kids every day would be sad. You may want to take a personal/vacation day fr...
by Elsebet
Mon Sep 17, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3742

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

We use a leafblower every other weekend to blow all the gunk (mostly dog fur) off our hardwood floors to the outside. Works great around furniture and takes only about 15 mins for our small ranch home. We spot sweep/vaccuum/clean as needed, wet mop maybe 2-4x a year. I love hardwood, would not consi...
by Elsebet
Mon Sep 17, 2018 3:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 87
Views: 18527

Re: Seattle Area Chapter Meetings - Master Thread

Bumping as a reminder that the lunch is this Friday, looking forward to it! :) Hi guys! I am planning a lunch meeting on Friday, September 21 at 11:30am at Bellevue Brewing Company. Please RSVP here or to seattlebogleheads@gmail.com before Monday, September 10 so I know whether or not I need to make...
by Elsebet
Mon Sep 10, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 29
Views: 1601

Re: where to learn to sew?

I learned to sew from other members back in Ohio when I joined the SCA. Lots of members sew their own costumes and it's a good group if you like living history.
by Elsebet
Mon Sep 10, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6694

Re: I think my father has a gambling problem

You'll gain more trust if you take an interest and don't treat him like a defective individual. You can talk to him about what he does or even go with him to get an accurate picture of his action. This is great advice, I second going with him to the casino but be open and interested rather than jud...
by Elsebet
Mon Sep 10, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9969

Re: Anyone else not save for cars?

I buy a brand new car with a loan, pay the loan off aggressively, then keep the car as long as possible.

Right now I have a 2016 Tacoma that should be paid off in Dec 2018 and I hope to keep it 18 more years.
My husband drives my old 2006 Honda Civic Si which we hope to keep at least 3-8 more years.
by Elsebet
Sun Sep 09, 2018 5:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 87
Views: 18527

Re: Seattle Area Chapter Meetings - Master Thread

Shorton787 wrote:
Sun Sep 09, 2018 10:29 am
New member.
Bellevue Brewing Co. 11AM 9/21/18 , I’d like to join you. That OK?
Steve
Of course, looking forward to it! We're starting at 11:30am but I'll probably be there by 11:15am to grab a table.
by Elsebet
Thu Sep 06, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 825
Views: 89655

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

Recently finished Season 3 of Fargo on Hulu. I love this show so much especially because every season brings new characters but the same dark comedy setting, I have been sad to see each season end so far. The Midwestern culture references make me very homesick though. Started watching Jessica Jones ...
by Elsebet
Thu Sep 06, 2018 3:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 87
Views: 18527

Re: Seattle Area Chapter Meetings - Master Thread

Apologies but due to a work conflict for me the week of the 14th I need to reschedule this to Sep 21. Hope to see you there! Everything else is the same, just changing the date to Sep 21. Hi guys! I am planning a lunch meeting on Friday, September 21 at 11:30am at Bellevue Brewing Company. Please RS...
by Elsebet
Fri Aug 31, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 68
Views: 6630

Re: Gardening 2018

East of Seattle, WA. This year was not that great. I put my tomatoes in the ground in early June but it didn't really warm up until July. The weather started cooling early in the third week of August. I didn't feel like it got very warm this year other than about 10 days of 90's. I am getting cherry...
by Elsebet
Wed Aug 29, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4084

Re: Bone in my food

I was eating pho at a work lunch once and found a cute little emerald green beetle among the vegetables . I just picked it out and kept eating. My co-workers were all disgusted and said I should return the food. I didn't, nor did I even mention it to the server. I grew up eating fresh home grown veg...
by Elsebet
Mon Aug 27, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21651

Re: Decent compensation to move to Bay Area CA?

I would advise you to not take this position. We moved from Cincinnati, OH to the Seattle, WA area in 2013. I did not get enough of a salary bump to make up for the huge difference in housing costs, that was my error. However my husband got a better paying job out here so it worked out, at least unt...
by Elsebet
Mon Aug 27, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5466

Re: Planning for an Indian wedding In NY/ NH area.

Just for comparison, my husband and I got married for $300 in 2016. :) Payment to the judge: $150 Rings: $150 We did it in the morning before work. We just wore clothes we already had. A few co-workers were the only guests and they took us out for breakfast afterwards. We then went back to work! The...
by Elsebet
Sat Aug 25, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8617

Re: Ladies: bra shopping question

There is an amazing forum at reddit called A Bra That Fits that changed my bra buying habits forever. The beginner’s guide can be found here: https://www.reddit.com/r/ABraThatFits/wiki/beginners_guide. Thanks for this. I usually just buy Maidenform T-shirt bras from Amazon and can't wait to get the...
by Elsebet
Wed Aug 22, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7297

Re: Graduate Degree Mistakenly (?) Conferred - What to Do?

You'll need to contact the school and verify and reverify. I have woken up in a sweat a few times in the past from dreams I actually never graduated. Auggg, what a terrible dream. I place high value on my bachelor's in engineering degree and wouldn't ever want that baby taken from me. I have recurr...
by Elsebet
Mon Aug 20, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Excessive Emergency Room Charges - Options?
Replies: 207
Views: 12218

Re: Excessive Emergency Room Charges - Options?

I'm all in favor of questioning prices for medical services but in the end you are responsible for the charges and shouldn't try to get around them. Set up a payment plan with the hospital if you can't pay it off immediately and pay the balance in full. Anything less is irresponsible and pushes the ...
by Elsebet
Thu Aug 16, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4722

Re: Adult piggy bank

We use a candy dish that sits on our hutch for spare change. When it gets full we take it to the CoinStar machine at Fred Meyer and get an Amazon gift card code (no fee that way). There's usually around $20-25 worth of change in it by the time it's full.
by Elsebet
Tue Aug 14, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7679

Re: Marriage [How should finances be handled?]

We have a joint checking and savings account, both our paychecks are direct deposited into it and that's where our EF stays. I added him as an authorized user on my credit card when we got married and we use it for all possible expenses, it gets paid out of the joint checking account in full automat...
by Elsebet
Tue Aug 14, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Should I be worried about potential identity theft? Bizarre email/name mix up?
Replies: 16
Views: 1036

Re: Should I be worried about potential identity theft? Bizarre email/name mix up?

I would check your accounts but wouldn't be overly worried, it's likely someone accidentally used your email address instead of their own. Make sure you have two factor authentication on your email accounts if possible, and if not possible consider a move. I have been going through this for years wi...
by Elsebet
Mon Aug 13, 2018 4:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 87
Views: 18527

Re: Seattle Area Chapter Meetings - Master Thread

Hi guys! I am planning a lunch meeting on Friday, September 14 at 11:30am at Bellevue Brewing Company. Please RSVP here or to seattlebogleheads@gmail.com before Monday, September 10 so I know whether or not I need to make a reservation. I will have a small Bogleheads sign on the table and will wear ...
by Elsebet
Mon Aug 13, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Internal Jobs and Informing Current Manager
Replies: 8
Views: 467

Re: Applying for Internal Jobs and Informing Current Manager

Is the company culture supportive of lateral moves?

I would definitely mention your interest in the positions before make any inquiries/applications, you don't want your manager to find out that you are looking elsewhere from someone else.
by Elsebet
Mon Aug 13, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Should I Do This? [borrow from relative to pay off loan]
Replies: 55
Views: 3090

Re: Should I Do This? [borrow from relative to pay off loan]

Although it's tempting, I would advise you to not take the money from the relative since it's not an emergency at this time. Paying this debt off by yourself with no outside help will build character and teach an important life lesson for the future. Self-reliance is an important virtue; I would als...
by Elsebet
Thu Aug 09, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: "Why are you leaving your current job?"
Replies: 24
Views: 2398

Re: "Why are you leaving your current job?"

My last company had a culture of valuing seniority over merit. When I was interviewing for my current job I asked if the same was true at this company because I did not want to make the same mistake twice. I think I said something like "My current company values seniority over merit making it a chal...
by Elsebet
Wed Aug 08, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1421

Re: Applying for jobs out of state

Secondly, in all my interviews, I never once brought up relocation assistance until AFTER a job offer had been made. After the job offer was made to me, I knew that I was the best candidate at that point and then I had some room to negotiate things like relocation assistance. If you bring that sort...
by Elsebet
Wed Aug 08, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5735

Re: Comfort level with Credit Card Balance

I have my main CC set to autopay the entire balance every month, not comfortable with any balance. I made plenty of credit card mistakes when I was younger so I'm ultra sensitive to any balance as an older and wiser person. :)
by Elsebet
Tue Aug 07, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1421

Re: Applying for jobs out of state

How many applications have you submitted? Just curious about your sample size, it may be too low. :) You may want to target companies with a national or international presence that are used to people working together at various sites, they are usually more open to people who may need to relocate and...
by Elsebet
Tue Aug 07, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4817

Re: Dear BH, what are non-BH [financial] actions you do?

I finance my brand new car purchases but I pay them off very early. For example I bought a brand new truck in June 2016 and aim to pay it off Dec 2018. Then I hope to keep this truck for at least 18 more years if not more. I did the same thing with my Honda Civic 2006 that is still going strong toda...
by Elsebet
Sat Aug 04, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10221

Re: Few weeks into new job recieved significantly better offer elsewhere

I have to agree with others that leaving a full-time position for a temp-to-hire one is very risky. You will be at a negotiating disadvantage in six months since if you do not take their offer you are effectively unemployed. You will also be under the gun to deliver in those six months in a position...
by Elsebet
Fri Aug 03, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4859

Re: Which diet soda pop do you enjoy?

On weekdays I don't drink caffeine other than my morning tea, but in the evenings I like a fizzy drink so I will have Canada Dry Ginger Ale or Diet Sprite/7-Up. On the weekends we tend to stay up a bit later so I have some Vanilla, Cherry, or Regular Coke Zero or Diet A&W. We used to love the Kroger...
by Elsebet
Fri Aug 03, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4888

Re: Is solar power for your home a worthwhile investment?

Partly depends which side of the mountains you are on? If the dry side you should get good performance. However electricity is generally very cheap and Green (hydro) already. On the wet side, in a river valley east of Seattle. PNW is not a barrier. We have extremely long summer days so with a favor...
by Elsebet
Fri Aug 03, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4888

Re: Is solar power for your home a worthwhile investment?

I didn't run the numbers but there's two issues against my current home. 1) It's in the Pacific Northwest and 2) Electricity is very cheap here. If either of those were different I'd probably check it out.
by Elsebet
Thu Aug 02, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a Boglehead way of running a business?
Replies: 19
Views: 2159

Re: Is there a Boglehead way of running a business?

new2bogle wrote:
Wed Aug 01, 2018 2:33 pm
My brother in law gives employees in his practice a well matched 401k and generous bonuses. As he told me, "I don't see how they can live on market wages".
Please hug this man for me. :)
by Elsebet
Thu Aug 02, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3743

Re: New job commute

About 2 years ago my husband had a horrid hour+ commute in the morning followed by a 1.5+ hour commute in the afternoon to and from Renton in the Seattle area. Locals will know how bad that stretch of I-405 around the S-curves is even in the early mornings (he left the house at 5am). He would come h...
by Elsebet
Wed Aug 01, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone help explain this employer retirement contribution wording?
Replies: 14
Views: 869

Re: Can someone help explain this employer retirement contribution wording?

Why do companies always word their 401k matching so strangely? My company matches 75 cents on the dollar of the first 8% of contributions, then adds 4% of your annual salary on top of that (it's amazing). Very confusing to calculate and compare on the fly. Seems like it would be simpler to just say ...
by Elsebet
Mon Jul 30, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3693
Views: 1058187

Re: What Movie Have You Recently Watched?

We binged on "The Staircase" this week which is a murder trial documentary involving Michael Peterson from 2001 to 2017. I watched that recently as well and agree it was excellent. Just watched My Friend Dahmer last night which is a film about a young Jeffrey Dahmer. Enjoyed the film but it's somet...
by Elsebet
Thu Jul 26, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9977

Re: Toughest Purchase of my Life. Engagement Ring time

I cannot give good advice here, our wedding rings were under $200 for both. :) I did not want an engagement ring.
by Elsebet
Thu Jul 26, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6343

Re: Hold one stock 25 years

COST - Even though I left the company about 2 months ago I still like them long-term.
by Elsebet
Wed Jul 25, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3451

Re: Intermittent Fasting

After reading this thread I realized I do this unintentionally since I work 6:30-3. Breakfast at 7am. Lunch around 11:30. Dinner around 4pm. So I go about 15 hours between meals. Maybe I will try moving breakfast to 8am. :) I recently watched a keto documentary on Netflix and while I'm not going to ...
by Elsebet
Thu Jul 19, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Weird info from HR on HSA
Replies: 13
Views: 1768

Re: Weird info from HR on HSA

Normally your HSA eligibility is prorated by the number of months you have a qualifying HDHP on the 1st of the month. If that is six months your contribution limit = $6900 * 6 / 12 = $3450 less the $900 employer contribution = $2550. Thank you! I was going to ask a question about this for my own si...
by Elsebet
Mon Jul 16, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5428

Re: Bears!!!

I wish I had some advice, but up here in the PNW we compost and use bungees on our garbage can lids and that has been enough. It's just two of us so we don't generate a lot of trash. Having noisy dogs probably helps as well. I have a video of a rather large bear trying our can briefly and moving on ...
by Elsebet
Mon Jul 16, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10040

Re: Why own a bed?

When I moved into my first unfurnished apartment in 1998 I couldn't afford anything extra so I just had a mattress on the (carpeted) floor. It was about a year until I had the funds to actually buy a cheap frame for it. I used that same frame until about 4 years ago (2014) when I bought my first rea...
by Elsebet
Fri Jul 13, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 8875

Re: Be Careful Using Mailboxes

There's a lot of mail/package theft in our area (east of Seattle) too. We have cameras all over the outside of the house for the package issue. We don't have a camera down on the mailbox yet, but we did sign up for the USPS delivery email so we know what to expect. We also collect our mail every day...
by Elsebet
Thu Jul 12, 2018 3:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 87
Views: 18527

Re: Seattle Area Chapter Meetings - Master Thread

I'm tempted to apply for the organizer position but wanted to ask the other Seattle area folks a few questions before I do. I live/work on the far east side so downtown Seattle is a challenge for me, is continuing to meet in Bellevue a problem? Would anyone be interested in a Friday lunch meeting on...
by Elsebet
Thu Jul 12, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5838

Re: Is expensive olive oil worth it?

I buy my Olive oil from Costco and use it in a lot of ways.

I also use Peanut oil for popcorn and canola for higher heat dishes, although recently I've been thinking of using an alternative for those in either coconut or avocado oils.
by Elsebet
Thu Jul 12, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Thought on replacing roof before sale?
Replies: 35
Views: 2994

Re: Thought on replacing roof before sale?

Back in Ohio I had a 1940's cape cod with an upstairs dormer that had a low pitch shingled roof. The first winter we lived there an ice dam must have formed and water began leaking down from the roof through the building to the first floor ceiling. Had to do a lot of repairs, the roofer removed the ...
by Elsebet
Thu Jul 12, 2018 3:16 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 17883

Re: COMING SOON: BOGLEHEADS PODCASTS

I don't have a clever name but I'll listen to it if it's available from the PocketCasts app.
by Elsebet
Wed Jul 11, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5929

Re: Anyone take naps at work?

Many years ago when I sat all day at work I would get tired often but avoided falling asleep fortunately. Now that I have a standing desk I just don't get tired at work. However I haven't been good at sleeping during daylight hours since I was a child. My husband can fall asleep as soon as he sits d...