Search found 767 matches

by Elsebet
Sat Nov 16, 2019 1:33 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 143
Views: 37831

Re: Seattle Area Chapter Meetings - Master Thread

I just want to thank everyone who turned out yesterday for the lunch at Crossroads Bellevue. It was a big group with a lot of new faces and some vets! We had a great conversation about cash management accounts, taxes, the Bogleheads 2019 conference, and more! I always come away from these meetings e...
by Elsebet
Wed Nov 13, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?
Replies: 21
Views: 2796

Re: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?

My husband and I just have 2 dogs (no kids) and we live east of Seattle. Mortgage/Insurance: $1400 Property Tax: $600 Auto/Umbrella Insurance: $150 Utilities: $250 (oil heat & electric) Internet, streaming services: $175 Cellphone: $100 (2) Transportation: $300 (we have short commutes and paid-off v...
by Elsebet
Tue Nov 12, 2019 8:11 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 143
Views: 37831

Re: Seattle Area Chapter Meetings - Master Thread

The next Seattle Bogleheads lunch meeting will be Friday, November 15 at 11:15am at the Crossroads Bellevue Public Market. Please RSVP here or to seattlebogleheads@gmail.com before Monday, Nov 11 so I know roughly how many to expect. Food choices: https://crossroadsbellevue.com/directory/dine/ Dire...
by Elsebet
Tue Nov 12, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11210

Re: Saving seats on Southwest

I just flew SW in past 1-2 weeks. It was full flight each way. I didn't really notice people saving seats and I typically prefer SW b/c they have better prices and no bag fees, change fees etc as others have mentioned. I didn't buy early bird check-in so my first flight I was in C group and 2nd fli...
by Elsebet
Wed Nov 06, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4800
Views: 1251085

Re: What Movie Have You Recently Watched?

Midsommar The movie is gorgeous! Beautiful location, soundtrack, gorgeous colors and costumes, great acting. Some parts of the plot lost me, I had a hard time believing the characters would remain after the things they'd seen. I think if they would have ordered the unfolding of the events just a lit...
by Elsebet
Tue Nov 05, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4124
Views: 1176052

Re: What Book Are You Currently Reading? Part VI

placeholder wrote:
Tue Nov 05, 2019 12:54 am
Elsebet wrote:
Mon Oct 28, 2019 1:26 pm
"The Girl Next Door" by Jack Ketchum. Only about 70 pages in and it reminds me of Stand By Me so far.
Oh it's not much like that at all.
Yes I am now finding that out halfway through, very disturbing.
by Elsebet
Tue Nov 05, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 39
Views: 2299

Re: Stinky Front Loader (Washer)

I just add a few tablespoons of white vinegar to every load and let the washer dry with the door open.
by Elsebet
Sat Nov 02, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Halloween Candy - Favorites; Throw it in the Bag
Replies: 61
Views: 3247

Re: Halloween Candy - Favorites; Throw it in the Bag

We live on a somewhat rural road east of Seattle with no sidewalks so we haven't had a trick or treater since we bought the place in 2014. When we lived in Cincinnati, our house was on a corner of a dense subdivision and we'd go through multiple bags of candy and still run out before the official tr...
by Elsebet
Fri Nov 01, 2019 10:44 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 143
Views: 37831

Re: Seattle Area Chapter Meetings - Master Thread

Sorry all work has been crazy and like Danerys I "kinda forgot" about the meetups! The next Seattle Bogleheads lunch meeting will be Friday, November 15 at 11:15am at the Crossroads Bellevue Public Market. Please RSVP here or to seattlebogleheads@gmail.com before Monday, Nov 11 so I know roughly how...
by Elsebet
Mon Oct 28, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4124
Views: 1176052

Re: What Book Are You Currently Reading? Part VI

"The Girl Next Door" by Jack Ketchum. Only about 70 pages in and it reminds me of Stand By Me so far.
by Elsebet
Sun Oct 27, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 163
Views: 21973

Re: What have you baked recently?

I am making this today: https://www.kingarthurflour.com/recipes/salted-caramel-and-chocolate-tart-recipe Instead of buying caramel I made my own homemade from this recipe: https://www.kingarthurflour.com/recipes/moms-caramels-recipe However it took almost 3 hours for my caramel to get up to 240 degr...
by Elsebet
Thu Oct 17, 2019 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Handling a substantial salary increase - suggestions?
Replies: 27
Views: 3742

Re: Handling a substantial salary increase - suggestions?

With my recent job change and salary increase my taxes went up dramatically (the tax reforms didn't help either) but the extra income lowered my mortgage debt and continues to do so. I did not increase my lifestyle a bit.
by Elsebet
Mon Oct 14, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4800
Views: 1251085

Re: What Movie Have You Recently Watched?

Just watched Light of my Life about a father and daughter existing in a post plaque world where almost all females perished. A very simple, slow moving touching story. I thought it was a very good movie with a positive feminine message. Thanks, just added this to my Netflix queue. When I saw the co...
by Elsebet
Wed Oct 09, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8143

Re: My mechanic just wrecked my car - advice?

Makes me sad and afraid at what kind of world we live in where people jump on the lawsuit train so quickly. Your mechanic sounds like they are proactively trying to make the unfortunate situation right and I would allow them to do so. I'm sure they are terribly embarrassed for this to happen to the ...
by Elsebet
Tue Oct 08, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should a job offer include details about relocation package?
Replies: 20
Views: 2095

Re: Should a job offer include details about relocation package?

I would not accept a job offer that I had to relocate for without knowing the full details of the relocation package. I think it's fishy that a company would insist you accept before sharing the relocation package details.
by Elsebet
Tue Oct 08, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3356

Re: relocating across country

In Oct 2013 we moved from Cincinnati, Ohio to the Seattle area. The company provided a max of 10k for relocation, I think we hit about 9.5k. I can't even imagine what a 220k move is like. We rented a townhouse online sight unseen (other than pictures) from a large complex, we could not work with th...
by Elsebet
Mon Oct 07, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3356

Re: relocating across country

How could one possibly need $220K to move?! This is just a huge signing bonus, no? In Oct 2013 we moved from Cincinnati, Ohio to the Seattle area. The company provided a max of 10k for relocation, I think we hit about 9.5k. I can't even imagine what a 220k move is like. We rented a townhouse online...
by Elsebet
Mon Oct 07, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Keeping fleas out of the house
Replies: 21
Views: 1443

Re: Keeping fleas out of the house

I buy flea treatment (Frontline) at Costco four our two dogs and use it once a quarter. I also give them a flea shampoo bath around the same time. This keeps the fleas away for us and is affordable.
by Elsebet
Wed Oct 02, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4847

Re: How much cash do you keep in your HSA?

I don't spend my HSA funds and i keep most of it invested. I have the minimum required in cash. My intention is that my HSA can eventually pay for our medical expenses from the time I retire (hopefully 55) until medicare at 65.
by Elsebet
Tue Oct 01, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 14107

Re: Willingly going from lucrative job to unemployed?

Door #2: Set a limit on your hours. Work 40.00 hours. At the end of 40 hours, don't come back until next week. Don't say you can't do that. I had to do that years ago to avoid being in my office running simulations at 9pm. I set a time and at 5:00, I got up and went home. And you know what? Nobody ...
by Elsebet
Tue Sep 24, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Inside dishwasher smells after cleaning dishes...
Replies: 24
Views: 1476

Re: Inside dishwasher smells after cleaning dishes...

We use the vinegar trick regularly and clean the bottom filters once a week and it helps. Also, do you have hard water? Our dishwasher smelled worse right after a run when we had hard water. We recently had a softener/filter installed and the dishes seem to come out cleaner and the dishwasher smells...
by Elsebet
Tue Sep 24, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 262
Views: 21578

Re: A 'really good book' you did NOT enjoy

Blood Meridian - I liked No Country for Old Men and I love The Road , but I've started McCarthy's "masterpiece" three separate times and can't make it past the halfway point. I am a huge fan of McCarthy but I agree, Blood Meridian was a slog. I did finish it but it took awhile. I found reading it o...
by Elsebet
Mon Sep 23, 2019 3:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4800
Views: 1251085

Re: What Movie Have You Recently Watched?

(warning, possibly minor spoilers) The Avengers: Endgame Before I explain what I liked / didn't like about this movie I want to explain that when I watched Avengers: Infinity War I honestly thought that was the last Avengers movie and I was beyond thrilled with the ending because it was unexpected a...
by Elsebet
Mon Sep 23, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9584

Re: Physical activity suggestions for a non athletic youth

If he's still gaining weight with a restricted diet he has to be getting calories you're not aware of. Can you help him track his calories for a few weeks? I really like body weight fitness/calisthenics. I'm not athletic at all but I went from being able to do 0 pushups to doing 3 sets of 9 after ab...
by Elsebet
Thu Sep 19, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4124
Views: 1176052

Re: What Book Are You Currently Reading? Part VI

The Chronicles of Chrestomanci - Volume I by Diana Wynne Jones

It's just ok so far but I'm not sure I'll continue after this volume.
by Elsebet
Tue Sep 17, 2019 4:58 pm
Forum: US Chapters
Topic: Local Chapter - Fees?
Replies: 12
Views: 1332

Re: Local Chapter - Fees?

The first few meetings I hosted were lunches during the workweek at a local restaurant with large tables. For the last one someone suggested a mall food court and I found that worked out even better and I'll continue that route. No external charge other than the food costs and each member can decide...
by Elsebet
Tue Sep 17, 2019 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Salary out of College
Replies: 36
Views: 2294

Re: Negotiating Salary out of College

Is this your first/only offer? As a new grad you don't have much leverage to negotiate unless you have multiple offers. You can try negotiating but I'd caution that the hiring company might just move on to the next candidate, I've seen it happen before. If you are ok with that risk then go for it! O...
by Elsebet
Tue Sep 17, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 122
Views: 8266

Re: Managing joint finances when one is a perfectionist

Marriage partners have different talents. Earlier in our relationship I struggled with trying to make my husband something he wasn't and when I stopped things just work so much more smoothly. I'm the wife and I do the finances, major purchase/home improvement planning, and most cooking/baking. I jus...
by Elsebet
Tue Sep 17, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 4304

Re: Best Leaf Blower?

Oldschool wrote:
Fri Sep 13, 2019 2:24 pm
Stop wasting the free organic matter. Mulch mow your leaves, it feeds the soil. I don’t let a single leaf go to waste.
+1

You can also add them to a compost pile!
by Elsebet
Wed Sep 11, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: What older products/tools are better than modern equivalents?
Replies: 54
Views: 4361

Re: What older products/tools are better than modern equivalents?

Doc Marten's boots. I did buy a "Made in England" pair last year so will report how well those hold up compared to the originals.
by Elsebet
Tue Sep 10, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167375

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

Shameless on Netflix - my only gripe is sometimes they lean too heavily on explicit scenes. The plots are tough and the characters do such horrible/dumb things it makes you want to strangle them which is maybe why I like it. Killing Eve on Hulu - started watching this on the plane back from Pennsylv...
by Elsebet
Tue Sep 10, 2019 3:51 pm
Forum: Personal Investments
Topic: My stats, any advice? job is not stable
Replies: 13
Views: 2065

Re: My stats, any advice? job is not stable

Life is really hard for middle age people. Me -- 43yrs, husband -- 45 yrs, two kids (12 & 10yrs public school) total retirement (401k+roth) -- 1.3M primary house $700K rental house $300K - income $1500/month vanguard mutual funds $550K Others (company stocks --100K, 529 -- 100K, cash -- 50K) Life i...
by Elsebet
Mon Sep 09, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 4239

Re: Costco washer/dryer delivery: tipping?

I tip appliance delivery people and offer them drinks. I so rarely get anything that large delivered so it's maybe $20 at most once a decade? Probably even less than that. I rarely go out to eat or stay at hotels so when I do I'm also very generous with tips there. I don't tip professionals like plu...
by Elsebet
Thu Aug 29, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 16307

Re: What is your plan for the last few years of a long life?

I don't understand why so many people seem to think there are legal obstacles to ending your own life. Not to be blunt, but people do it all the time, and have for ages. It might not be legally or otherwise optimal for heirs. But the only questionably legal part in most areas is asking someone to a...
by Elsebet
Thu Aug 29, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 34
Views: 2486

Re: Your best deal from Craigslist

Bought a brand new Costco real leather 4 piece living room set (sofa, love seat, chair, ottomon, plus pillows) for $1500 from a furniture delivery company. They said the original customer refused it, they bought it from Costco and sold it to me. Still using it and will continue until it falls apart....
by Elsebet
Tue Aug 27, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4283

Re: Mouse invasion!

We use simple snap traps baited with just a tiny bit of peanut butter and always placed with the long side against a solid object. Works every time and its quick and humane. I even reuse the traps after popping the remains in the garbage unless it's been awhile and the remains are not so fresh. For ...
by Elsebet
Mon Aug 26, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8687

Re: How to help an employee who is in debt and requesting a loan

In my opinion your initial response was fine but I'd take out the Dave Ramsey stuff unless you plan to offer it to all of your employees. I'd also make sure all the other employees are permitted to work up to 10 hours overtime per week before putting that part in and remove it if the intent was just...
by Elsebet
Fri Aug 23, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8956

Re: Do you sacrifice to save?

I don't feel I sacrifice at all. I don't have a boat, second home, luxury watches, furs, jewelry, etc but I don't want any of that. We have a modest home and cars, cook at home, shop at thrift stores, and improve our home as budget allows. I enjoy all of these things immensely. The only thing I want...
by Elsebet
Wed Aug 21, 2019 6:21 pm
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 170
Views: 13872

Re: When Did You Ease Up On Saving Aggressively?

I hope this question is appropriate to tackle here rather than in a separate thread. How do people feel about the other side of the same coin: when would you ease up on earning? I never thought of easing up on savings but rather easing up on working. When I hit 25x expenses I want to either dial my...
by Elsebet
Wed Aug 21, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17791

Re: White collars- How much is your work downtime?

The past few years I've been on 2 very busy (overwhelmed) teams where I was learning and having to ramp up on new technologies. I'd say I usually have less than 15% downtime on average and end up putting in over 40 hours regularly. However other IT jobs had much more downtime at some points and were...
by Elsebet
Sat Aug 17, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8891

Re: Taking a break in your 50s: Is it the kiss of death?

Colorado13 wrote:
Sat Aug 17, 2019 12:46 pm
I don't really want to go from 110% or 120% effort to 0%
Just go to 100%, put in 40 high effort hours then stop. :)
by Elsebet
Sat Aug 17, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18637

Re: Are you a "solo ager?"

I have been thinking more and more about this as a business opportunity but as a not-for-profit endeavor. I googled around collecting information for a business plan and found a pretty good link that described something similar to what I'd like to do. I would structure it as a member-owned business....
by Elsebet
Thu Aug 15, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Brown Bag Lunch Ideas
Replies: 70
Views: 4896

Re: Brown Bag Lunch Ideas

I usually make a large meal for Sunday dinner and portion the leftovers out for lunches. I also portion out breakfast (5% mikfat greek yogurt & frozen fruit). I only have to go in the office 3x per week so it's easier. Reddit has a few great resources: https://www.reddit.com/r/MealPrepSunday/ https:...
by Elsebet
Thu Aug 15, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 18637

Re: Are you a "solo ager?"

My husband and I do not have children so I think about this issue quite often. I was born very late (my mother was 42) and I'm 43 now. Almost all of my relatives were already at an advanced age or died when I was young. I moved far away from family at 19 and the circumstances at home were not great ...
by Elsebet
Wed Aug 14, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5918

Re: Do you "lock" computers in your home?

I lock mine at home out of habit. It's a rule that at my office we must always lock our laptops (both the OS and physically locked via cable to the desk) before leaving it unattended, if you are caught you get written up. Yes I work in InfoSec. :)
by Elsebet
Sat Aug 10, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11064

Re: Healthy fast food

When I travel by myself for less than a week, I make sure to get a hotel room with a mini fridge. Then after I check in I go to a nearby grocery store and buy an assortment of easy to eat finger foods like hard boiled eggs, hummus, whole wheat crackers, sandwich wraps, cheese, olives, nuts, chopped ...
by Elsebet
Fri Aug 09, 2019 3:12 pm
Forum: Investing - Theory, News & General
Topic: threshold for paying debt
Replies: 41
Views: 2941

Re: threshold for paying debt

Any non-mortgage debt I clear as soon as fiscally possible even if it means tightening the purse strings and I included student loans in that for myself and my husband. The only debt we have currently is the mortgage. I pay extra on it each month and put any extra money like bonuses towards it but a...
by Elsebet
Thu Aug 08, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: How to find a reliable car service center?
Replies: 45
Views: 2631

Re: How to find a reliable car service center?

Join nextdoor.com for your neighborhood and ask there.
by Elsebet
Mon Aug 05, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7873

Re: Financial anxiety and next steps in relationship

This thread has some rather interesting opinions. I doubt many people have the perfect set of circumstances for both partners before they get married. My husband and I certainly didn't and we have been together for 16 years now. If you are both on the same page financially and are both committed to ...
by Elsebet
Mon Aug 05, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 4238

Re: "Duty Free" shops at Airports

When we were at YYZ on our way to Iceland I bought some Icewine tea at an airport shop (not sure if it was duty free) and enjoyed it so much I regularly buy a box on Amazon. Otherwise I don't normally buy things at those shops.