Search found 408 matches

by Elsebet
Thu Feb 15, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 1903

Re: Dental chews for dogs....useful?

We give our dogs the Kirkland Signature Dental Chews every other day. We also feed dry kibble and supplement with raw veggies (carrot, cucumber, cabbage). So far so good.
by Elsebet
Tue Feb 13, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Toothpaste
Replies: 22
Views: 2093

Re: Costco Kirkland Brand Toothpaste

I work for Costco and am just as annoyed at this. They discontinued my husband's favorite sweet & salty peanuts and the KS greek yogurt I really liked. :(
by Elsebet
Tue Feb 13, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6437

Re: Should I claim chapter 7 bankruptcy? debt 110k

Bankruptcy is obviously an option, but I'm of the opinion that this is money that you justly owe. You knew the risks, and I think it's your responsibility to pay the money back rather than force someone else to suffer the consequences. I don't say this to be rude, condemnatory, or high minded. I've...
by Elsebet
Mon Feb 12, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 4710

Re: Family expecting “comps”

My cousin and her family started a franchise restaurant business. I took my mom there and paid full price for our meal. My mom complained the entire time saying they should have given it to us for free since we were family. Obviously my mom has no idea how difficult it is to run a business. I was ha...
by Elsebet
Mon Feb 12, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 116
Views: 10564

Re: Anybody else Age - 10 in bonds, rest in stocks

Yes! I'm 41.

50% US Equities Index
20% International Equities Index
30% Bond Index
by Elsebet
Mon Feb 12, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3350
Views: 962868

Re: What Movie Have You Recently Watched?

The Detectorists Their final season (3) is now streaming on both Netflix and Amazon (with Acorn subscription). If you've seen the first two seasons you won't want to miss this one. Just want to second this recommendation. I loved this series so much I was sad when I reached the end of season 2!
by Elsebet
Fri Feb 09, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 2852

Re: Not happy where we live

I feel the same way. Lived my entire life in PA/Ohio then moved to Washington State (near Seattle) in 2013. I really don't like it here but I do like the team I'm on and work I'm doing currently, so I try to focus on that. If the work situation changes dramatically I will be out of here as soon as I...
by Elsebet
Thu Feb 08, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5180

Re: What time do you go to work?

I work in IT. Traffic/parking is difficult here so I arrive at between 6-6:30am and usually leave at 3pm. If needed I do extra work/prod support/installs from home.
by Elsebet
Thu Feb 01, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 377
Views: 42207

Re: Netflix, Your Current Favorite Show

Already recommended but I must second:

Godless
Manhunt: Unabomber
The Crown
Chef's Table
Mindhunter
by Elsebet
Thu Jan 25, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential
Replies: 31
Views: 3132

Re: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential

IT is such a broad field, surely you can find some part of it that you enjoy. Find another job! I'm 41, started full-time work in IT at 22. I've worked in so many different technologies over my career: COBOL and JCL development on a mainframe Visual Basic on PC's Data Warehousing on Oracle/Linux/Ter...
by Elsebet
Tue Jan 23, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 48
Views: 3065

Re: Using disinfecting wipes to clean surfaces

Just my personal opinion, while I do keep things neat and tidy I do not deep clean that regularly and never use antibacterial agents. I think that it's possible to be too clean and rob the body of having some weaker germs to practice killing so that when a real threat enters the body it is ready for...
by Elsebet
Mon Jan 08, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894128

Re: What Book Are You Currently Reading? Part VI

The Red Badge of Courage by Stephen Crane
by Elsebet
Mon Jan 08, 2018 4:06 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8963

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

For many people (myself included) this is probably one of the few public places one could comfortably announce a financial milestone, so I would say we should continue to allow those kinds of threads.
by Elsebet
Tue Jan 02, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3350
Views: 962868

Re: What Movie Have You Recently Watched?

I'd like to recommend an HBO series Big Little Lies . I was skeptical of this series at first because it seemed like one of those "rich people problems" shows, which is sort of accurate, but it really drew me in and I binged watched all 7 episodes of season one this weekend. Top notch cast, pace, an...
by Elsebet
Tue Jan 02, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13044

Re: Embarrassment Preventing Retirement Work: A factor for you?

I'm hoping my finances allow me to retire into exactly this kind of part-time position at age 55 (14 years to go). Hoping to parlay my Master Gardener experience into a part-time nursery role at that time. I worked at a bakery for a year when I was 19 and loved it, especially when I got to work in t...
by Elsebet
Wed Dec 20, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 34
Views: 4009

Re: How long to hold 80/20 asset allocation

Until I hit the mid-30's I didn't have any bonds but I didn't know any better. At 41 I now have a 70/30 allocation. I'll evaluate my AA again at age 50 and may go to 60/40 at that point.
by Elsebet
Tue Dec 19, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3350
Views: 962868

Re: What Movie Have You Recently Watched?

A reddit thread recommended a few films starring Robert Pattinson (of Twilight "fame") to show he is actually a good actor, which I now agree with. The Rover - I can best describe this as being an "early post-apocalyptic" setting with elements of "The Road" and "Mad Max". Not going to give away more...
by Elsebet
Mon Dec 18, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3350
Views: 962868

Re: What Movie Have You Recently Watched?

Last Jedi I left the theater very disappointed...and feeling like there was something wrong with me for not liking it more. Some of the movie was excellent, but there were just too many plodding, useless, boring parts to say this was good. I re-watched Rogue One on Netflix on Saturday and confirmed...
by Elsebet
Mon Dec 18, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3350
Views: 962868

Re: What Movie Have You Recently Watched?

Father Brown , on Netflix. I am almost done with this charming series after seeing your recommendation. Like most BBC series I did enjoy it, although I have to admit it gets a little repetitive due to having 4 seasons (similar to "House") and the female's banshee-like screaming at dead bodies, alth...
by Elsebet
Mon Dec 11, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17327

Re: Save all this money, what do you splurge on?

I'm okay spending money on our house, it will make us more safe/comfortable as well as possibly improve resale.

I also don't mind spending money on a good vehicle and its maintenance so it lasts 15+ years.
by Elsebet
Mon Dec 04, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 140
Views: 14517

Re: FIRE [financial independence/retire early]

I have a high savings rate not because I necessarily want to retire early but because I will likely be forced to retire early. I have seen older folks gently (or aggressively) pushed out of the megacorps I've worked for many times and I'm only 41. I very much expect to have employment issues around ...
by Elsebet
Tue Nov 28, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5687

Re: How Do You Stay Current With Popular Music?

Try some music podcasts. I like NPR's All Songs Considered and Tiny Desk Concerts. Both expose me to a mix of new and old musicians I have not heard of before.
by Elsebet
Tue Nov 21, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 11282

Re: What are the things you want to do between 55 and 65?

No big plans, just enjoy every day like I did as a child before school and structure started.
by Elsebet
Tue Nov 21, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27979

Re: Why not take Social Security at 62

I'm 41, my husband is 42. We have 20 years ahead of us before this matters so anything can and probably will change, but I plan to have him take his SS early at 62 and I will take mine at 70. I didn't crunch numbers or think about it too much but I feel this way we even out the odds from both direct...
by Elsebet
Mon Nov 20, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5422

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

I have two stocks left from my stock-picking days which are now almost a decade ago. It's not that I'm keeping them as a reminder to my bad decisions it's just that they are way down from when I purchased them and I'm curious to see if they ever go anywhere again. For those interested, the tickers ...
by Elsebet
Mon Nov 20, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 6293

Re: Uber for someone who knows only taxis

I used Uber for the first time when I went on a business trip to Vegas and didn't want to bother with a car. Fell in love with the service from the first trip! The only issue I had was not knowing where the pick-up spot was for Uber at the Vegas airport but that was just due to inexperience. If you ...
by Elsebet
Mon Nov 13, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 69
Views: 5422

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

I have two stocks left from my stock-picking days which are now almost a decade ago. It's not that I'm keeping them as a reminder to my bad decisions it's just that they are way down from when I purchased them and I'm curious to see if they ever go anywhere again. For those interested, the tickers a...
by Elsebet
Mon Nov 13, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10300

Re: Thoughts about wearing a "uniform"/same thing everyday?

I'm female and work in IT. Our office is always cold, so outside of the few months a year it is warm here in the PNW I wear a zip-up hoodie I can remove if necessary. I also wear jeans every day, so it may look like I wear the same outfit all the time even though I pick a different shirt every day. ...
by Elsebet
Thu Nov 09, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5498

Re: what pickup truck

I have a 2016 Toyota Tacoma and I love it. We have done a lot of projects on our property with it but it's small and comfortable enough for me to commute comfortably/park.
by Elsebet
Tue Nov 07, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 10596

Re: Disposable income... how?

I don't know the OP's story, but no one ever taught us about LBYM, saving and investing when we were growing up; we lived like "average Americans" until 4 years ago when a new friend clued us in and we really looked into the matter completely changing our outlook, like suddenly finding religion. I ...
by Elsebet
Mon Nov 06, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 13860

Re: Why make more money?

When we hit that comfort zone you described we plan to quit our full-time jobs and get less stressful, more meaningful part-time or volunteer work if possible.
by Elsebet
Mon Oct 30, 2017 2:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 137
Views: 8148

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I love the Final Fantasy video game series, especially IX, so I chose a character (Garnet) from that game for my avatar. I started playing the series with Final Fantasy I on my NES console back in 1990-ish and am still playing the online version XIV today!
by Elsebet
Mon Oct 23, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 5012

Re: what is your weekly workout routine?

Age 41 female

Tue/Thu/Sat - Consistently do the recommended routine from Reddit's /r/bodyweightfitness.
Mon/Wed/Fri - 30-ish minute walk or climbing stairs, I am not as consistent with this
Sun - Off day, very consistent!
by Elsebet
Tue Oct 17, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 6336

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

I grew up in a small town in a family of modest means. If I recall correctly the last tax return I saw from my father when I was in college he made like $45k. He always pushed the idea of college or the military. I became interested in computers as a child and when the time came it just made sense f...
by Elsebet
Tue Oct 17, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2783

Re: How do you outfit your feet?

Still working, age 41 female. 1) Keen work shoes, I am in IT and can dress casually. I have a standing desk so I need solid, comfortable shoes and these fit the bill. 2) Keen sandals - 1 pair for the summer months for both work and personal use, work great for standing too 3) Rubber boots - for work...
by Elsebet
Mon Oct 16, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 6438

Re: What do you buy in Asian food stores?

I buy a few things in Asian food stores because they are way cheaper than traditional stores:

- rice noodles
- pickled ginger
- tofu, seitan, and tempeh
- curry pastes (red & yellow mostly)
- sesame seeds
by Elsebet
Mon Oct 16, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 8314

Re: What are you driving? And would you buy your current ride again?

2016 Toyota Tacoma - yes, would buy again in a heartbeat. My first truck and I really love her!

2006 Honda Civic Si - yes, would definitely buy again. Very cheap to own and easy to maintain.
by Elsebet
Thu Oct 12, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 17794

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I signed up to try it out, was pretty painless for me. We live in a rural area where mail theft is pretty common so anything helps in that regard.

Thanks for posting!
by Elsebet
Tue Oct 10, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 7115

Re: Asking for discounts

I am very shy about asking for discounts. However when I purchased my Dryer at Lowe's it was an open box model and had some cosmetic defects. I summoned the courage to ask for a discount for those and the staff member assisting me did discount it 5%-ish if I recall correctly.
by Elsebet
Fri Oct 06, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3350
Views: 962868

Re: What Movie Have You Recently Watched?

Hell or High Water (2016). Ben Foster, Chris Pine, Jeff Bridges. Two brothers rob banks to pay a lien on their ranch from the same bank they're robbing. Great performances by Foster and Bridges. Gripping, well-written, great cinematography of the barren flat Texas landscape. By the same writer of S...
by Elsebet
Fri Oct 06, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3677

Re: We're Debt Free (Except our House)!

You describe my situation exactly, including the year of the truck. I could pay it off using emergency funds today but, for purposes of mental accounting, want to delay a couple months until I have invested a bit more. The reason is that I don't include the truck or loan in my net worth which is at...
by Elsebet
Wed Oct 04, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3677

Re: We're Debt Free (Except our House)!

Congrats! Great work! The only non-mortgage debt we have currently is my 2016 truck. I have been paying way over the normal payment but have been contemplating using some of my emergency fund + tax refund to pay it off next February, then replenish the fund with what I was paying on the truck monthl...
by Elsebet
Tue Oct 03, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5505

Re: My first promotion without a pay increase

However, I would give your manager a chance here — maybe this Megacorp is really bureaucratic and he/she is doing their best for you. Still, do try to be a gracious but assertive squeaky wheel in terms of making sure your manager understands your pay is important to you and that you appreciate his/...
by Elsebet
Tue Oct 03, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5505

Re: My first promotion without a pay increase

I didn't see any mention of extra responsibility that came with the promotion. The promotion sounds like it was recognition of past work so that OP could get out of the previous salary band. OP is/was a high performer; doesn't necessarily mean taking on extra work after the promotion (nor should OP...
by Elsebet
Fri Sep 29, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5505

Re: My first promotion without a pay increase

Pick some dream jobs that you might want, send out some applications, and see what comes back. Either you're paid appropriately and you will have a better appreciation for what you have, or you will find something better. OP here. I quoted this one but a lot of people gave similar advice and I will...
by Elsebet
Fri Sep 29, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5505

Re: My first promotion without a pay increase

Thanks all for the advice so far, I've read every one and will try to address some questions: 1. Yes, review/raise time is in October, but at best I will see a 3% and that is rare per my manager. 2. In regards to being a low flight risk, my manager is pretty candid with me and told me that I am one ...
by Elsebet
Thu Sep 28, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 5505

My first promotion without a pay increase

Hi all, thank you as always for your great advice. I am looking for some words of wisdom to console what I feel is a bit of a let-down at work. I'm 41 and have worked in IT for my MegaCorp for 4 years now. The first two years I was here I had terrible managers and left both teams (the second team wa...
by Elsebet
Wed Sep 27, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3350
Views: 962868

Re: What Movie Have You Recently Watched?

Saw Guardians of the Galaxy 2 earlier this week. I loved the first one and we watch it quite often. However I was almost immediately bored with the sequel, I felt like it was just a ton of CGI, a silly plot, and the actors were phoning it in. I didn't link the IMDB page because it's gaudy and hung m...
by Elsebet
Wed Sep 27, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 124
Views: 17519

Re: My boneheaded financial mistakes

1.) Blindly following advice of HR woman during intern onboarding at MegaCorp in which she advised opting out of 401k. I pissed away a 6% company match. Total cost < $1k. 2.) Blindly following advice of HR woman during onboarding at phd student onboarding. I learned after the fact that I was eligib...