Search found 388 matches

by Elsebet
Mon Dec 11, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10399

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: 132
Views: 11695

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: 5137

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: 10483

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: 25941

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: 4978

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: 5777

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: 4978

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: 140
Views: 9390

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: 4996

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: 9853

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: 13220

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: 128
Views: 6621

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: 4533

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: 5993

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: 2636

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: 5990

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: 7615

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: 207
Views: 15015

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: 6798

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: 3124
Views: 918757

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: 3412

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: 3412

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: 5226

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: 5226

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: 5226

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: 5226

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: 5226

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: 3124
Views: 918757

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: 77
Views: 10218

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...
by Elsebet
Thu Sep 07, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 9132

Re: For those planning early retirement....

At least for the first few months I am seriously just not going to have any plans at all, it will be like it was when I was a child and every day was filled with possibility because of the lack of schedule.
by Elsebet
Wed Sep 06, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3928

Re: How do you track expenses ?

I don't track exact expenses, just monthly averages, so a google sheet is fine for me.
by Elsebet
Wed Sep 06, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 9477

Re: When calculating net worth, how do you value your house?

I really don't worry about my net worth but on my personal balance sheet I do include a conservative estimate for the value of my home as an asset with the mortgage as a liability. I include my car loan as an expense but currently don't have either of our vehicles listed as an asset, I guess because...
by Elsebet
Wed Sep 06, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25932

Re: Name something you had to have and now you regret purchasing it?

Chocolate chip cookies. Went grocery shopping hungry, saw the cookies, and had to have them. Now, half a package later, I'm all bloated and I think I've gained like 2 pounds. I'm going to have to run twice as far as I usually do to burn them off. Most of my regret purchases are food. I don't impuls...
by Elsebet
Wed Sep 06, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5955

Re: What is the main purpose of holding your current job?

Definitely #2. My parents were lower middle class and had little to give so I had to make my own way in the world. I was good with computers as a teenager so it made financial sense to go into IT. It's definitely not something I'm overly passionate about but it has afforded me a good living.
by Elsebet
Thu Aug 24, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 3135

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

We go to the theater a few times a year. If the power goes out in the dreary PNW winter it's the first thing we usually go do. :)

Otherwise we watch movies on our 50" TV in the comfort of our own living room on blu-ray, Netflix, Hulu, HBO Now, etc.
by Elsebet
Thu Aug 24, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 5269

Re: Eclipse Traffic: predictions vs reality?

My boss was on the road for 12 hours from OR to Seattle, WA. I was glad I could hear about it rather than experience it.
by Elsebet
Thu Aug 24, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 32168

Re: What to do when a parent's money runs out?

I have a similar issue so I sympathize with you OP. My mom is 82 and lives in a 1940's home badly in need of maintenance. It is 4 floors, huge enough for a gigantic family, and it's just her in the house. For years I have been trying to get her to move into a senior apartment to no avail, she won't ...
by Elsebet
Thu Aug 24, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9656

Re: Living Expenses - what's "reasonable"?

From our budget spreadsheet, minus car & mortgage (but including property tax of $500/month in a HCOL area) we have $1765 in fixed expenses per month. I wager we add a variable figure anywhere from $0-$1000 or more per month on other stuff. We plan on retiring to a LCOL/MCOL area without a mortgage ...
by Elsebet
Thu Aug 24, 2017 2:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 59
Views: 7875

Re: [Virtual online chapter - Master thread]

Was fun attending my first virtual meeting, looking forward to more! Thanks for starting and hosting lazylarry!
by Elsebet
Mon Aug 21, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4880

Re: Kitchen knife set. Good quality - Recommendations

America's Test Kitchen really likes the Victorinox Fibrox 8" Chef Knife: https://www.amazon.com/Victorinox-Fibrox-45520-Frustration-Packaging/dp/B008M5U1C2/ref=sr_1_3?ie=UTF8&qid=1503190780&sr=8-3&keywords=victorinox+chef+knife They test lots of knives and keep coming back to this one. Been using t...
by Elsebet
Fri Aug 18, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8770

Re: Little P**S Ants

I sprinkle diatomaceous earth around my foundation annually and don't usually have a problem with too many crawlies in the house. I tear open a small hole in the bag and feed it through a funnel to keep the line straight and avoid too much of it going airbone. I try to do this when it's raining also...
by Elsebet
Wed Aug 16, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 918757

Re: What Movie Have You Recently Watched?

I watched Collosal last night. It was a cute idea for a movie but just felt kind of "meh" to me. Also watched The Descent recently. Enjoyable but some of the parts I had a hard time suspending my disbelief, like a group of people who are that into spelunking would be so careless. Some of the plot po...
by Elsebet
Tue Aug 15, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 5292

Re: What home task(s) are worth learning to do yourself?

We've saved a bundle by obtaining a DIY chimney sweep system. The spinner-thingy that has attachable extensions you attach to your drill. Works great on our 24 foot chimney. Would you please post a link to which one you purchased? We do our own wood stove chimney sweeping and we just use regular ro...
by Elsebet
Tue Aug 15, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3822

Re: Your Movie Collection?

I don't know where you could find things like The Kids in the Hall or It's Garry Shandling's Show or The Prisoner except on disc. (And there is extra material with these.) Yep, we have a lot of series/films we like that are not currently available on streaming, in fact I just ordered my husband's g...
by Elsebet
Mon Aug 14, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3822

Re: Your Movie Collection?

I buy a physical version if I intend to watch it often and it's not available on streaming. Even if it's available currently on streaming that is no guarantee it will be in the future. I buy blu-rays if available but many of the oddball things we enjoy are only available on DVD, so we do have a larg...
by Elsebet
Mon Aug 14, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16184

Re: How far would you travel to see The Eclipse?

runner3081 wrote:
Fri Aug 11, 2017 4:54 pm
Honestly, zero miles. Doesn't really interest me.
Ditto.
by Elsebet
Mon Aug 14, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 20
Views: 2176

Re: Tub/shower/bath cleaners...your recommended products?

We have a septic system so I don't use cleaners with bleach. That said we have been using Oxyclean with no issues so far. I use a minimum amount and make it into a paste which I let sit on the shower surfaces. After a few hours I rinse/scrub it off and the surfaces are nice and clean.
by Elsebet
Wed Aug 09, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 918757

Re: What Movie Have You Recently Watched?

Watched Jackie recently and enjoyed it. Good acting and the whole production seemed very high quality.
by Elsebet
Wed Aug 09, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 10174

Re: When does renting make sense

I love everything that goes with owning a house and property (the good and bad) so even if it costs more, renting just doesn't work for me. When I'm older and can't physically do the upkeep or garden anymore I'll probably move to some kind of rental though.