Search found 194 matches

by MandyT
Fri Oct 19, 2018 3:39 pm
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 18
Views: 3218

Re: Set it and forget it

Lately I've come to think of the overconfident and underconfident as simply two sides of the same coin. The overconfident chase their tails in the very same manner the underconfident do. In so doing, they ignore every warning Nassim Taleb (and many, many others) have issued regarding the danger of ...
by MandyT
Thu Oct 18, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2006

Re: Retired applying for credit cards

In reply to the previous two posts: I'm frugal enough that I'm currently really not drawing down my portfolio very much, so I don't see the point of exaggerating my income to get more credit I don't really need! If I wanted to get into churning, that would be different, but I don't really have the t...
by MandyT
Thu Oct 18, 2018 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2006

Re: Retired applying for credit cards

Actually, they do. The list under the American Express heading includes "retirement income," and the list under the Chase Sapphire Preferred includes "Investments," and those things can include principal withdrawals from taxable accounts. Certainly those things are not excluded. Also, if it comes t...
by MandyT
Thu Oct 18, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2006

Re: Retired applying for credit cards

My understanding of the rules is that I can count my smallish pension and interest/dividends in my taxable accounts, but not withdrawals from principal in taxable (though I think all withdrawals from retirement accounts would count). What is the source of that understanding? I've tried to go to the...
by MandyT
Wed Oct 17, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 22
Views: 2006

Re: Retired applying for credit cards

I'm pretty early in retirement, and I have a relatively small amount of my savings in retirement vehicles compared to taxable. My understanding of the rules is that I can count my smallish pension and interest/dividends in my taxable accounts, but not withdrawals from principal in taxable (though I ...
by MandyT
Tue Oct 16, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 88
Views: 5823

Re: When to stop putting money into an older vehicle

One thing to also consider if you keep a car until it dies is that you may have a limited time to find a replacement car and that can cost you a lot compared to having 6 months or a year to shop for a car when you are in no hurry buy a replacement car. This is an excellent point. I have tended to d...
by MandyT
Fri Oct 12, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2199

Re: tablet or small laptop for general and travel computer?

I was in a similar situation about four years ago. I didn't have a smartphone yet and couldn't decide whether to enter the Apple or Android ecosystem. I had considered a 7 or 8 inch tablet but, when I went in to look at them, I decided that 10 inches would be about the sweet spot. I was intrigued by...
by MandyT
Tue Sep 25, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: Regrets / Pearls
Replies: 37
Views: 6878

Re: Regrets / Pearls

The main advice I'd give to myself works in either a financial or non-financial context: "Don't do something, just stand there." I used to be a bit of a Nervous Nellie. When there were times when I was uncomfortable about an unsettled situation, I had the uncanny knack of doing something to make it ...
by MandyT
Mon Sep 17, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8242

Re: How did you decide when to retire?

I found myself in an unusual situation in which medical insurance considerations led me to retire *earlier*. I was a tenured faculty member at a university. It used to be that anyone who was eligible to retire (most commonly, at least 55 years old with at least 10 years of service) was eligible for ...
by MandyT
Sun Sep 16, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52962

Re: That Extravagant Thing You Do

I'm pretty frugal by nature, and I've been known to do weird-frugal things such as take an overnight bus to a flight home to save about $200 compared to flying home directly. (I would never expect someone else to do this with me!) With that in mind, these are the most extravagant things I've done: (...
by MandyT
Sat Sep 08, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16504

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

WhiteMaxima wrote:
Fri Sep 07, 2018 3:47 pm
Wien, Austria. Das Musik. Center of Europe.
I spent a few days in Vienna in May and it was fabulous. Excellent music everywhere. I hope to go back.
by MandyT
Wed Sep 05, 2018 2:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 310
Views: 43682

Re: Roll Call for the Retirement Class of 2018!

I am interested in knowing how many of you retired (retiring) by 55 and never plan to make a penny active income again. (55 is my earliest possible retirement age. Once I retire, I would not be able to come back to a similar job making similar money, so I do not plan to come back to the work place ...
by MandyT
Sun Sep 02, 2018 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in a Broadway show production
Replies: 28
Views: 2441

Re: Investing in a Broadway show production

Huge Broadway buff here. My two biggest concerns would be (1) I have the impression that the wizards in entertainment finance are good at making a successful show look as if it's losing money on paper. (2) You should at least consider the possibility that a bad experience with this will sap your pas...
by MandyT
Wed Aug 29, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9710

Re: What is your stealth way to save monthly?

The question makes total sense to me. Interesting reading the responses however, as there are two different styles of thinking that seem to be emerging: those that want as much transparency as absolutely possible, and those that understand they are not perfect human beings, and the more they can "t...
by MandyT
Thu Aug 23, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: BH Career advice
Replies: 18
Views: 1731

Re: BH Career advice

This is a very naive response because I don't know how transferrable your particular knowledge base is. But I wonder if you could get a job as an attorney for a nonprofit that aims to protect the environment. Maybe working for what you consider to be the "good guys" would revitalize your relationshi...
by MandyT
Sat Aug 11, 2018 12:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1068900

Re: What Movie Have You Recently Watched?

Three Identical Strangers, which I recommend very highly. I have a few minor quibbles with it, but I found it to be riveting and very well done, overall. The less you know about it going in, the better.
by MandyT
Sun Aug 05, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Pulled the trigger
Replies: 15
Views: 2913

Re: Pulled the trigger

Congratulations! This is probably obvious, but it's probably a good idea to stay attuned to how your wife feels about things to head off any possible resentment. It wasn't precisely the same, but there was a year in the late '80's when I was working and my husband wasn't, and that caused some stress...
by MandyT
Sun Jul 22, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4586

Re: Have you ever purchased a pricy musical instrument?

Part of the challenge is not knowing what the limits of my current violin really are. I haven't had my teacher play it in over a year and that's probably the best way to hear what it's capable of. Your teacher is probably well placed to give you input regarding whether/when it's time to upgrade the...
by MandyT
Thu Jul 19, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4586

Re: Have you ever purchased a pricy musical instrument?

So my advice would be to upgrade when you can tell how your current instrument is holding you back. Until then, upgrade the player, not the instrument. This is almost exactly what I was going to say. It's not a matter of your somehow not "deserving" it now; it's more that it may not make a differen...
by MandyT
Sun Jun 24, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8900

Re: how to make friends in new location?

I've been divorced for 16 years and am still on good terms with my ex. One source of conflict used to be when I would express sadness or frustration and he would interpret this as a request to "fix" my situation or give me advice. For example, I might complain that my boss made an unreasonable reque...
by MandyT
Mon Jun 18, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 39048

Re: Bogleheads, tell me about your 40's?

My 40's started out with a divorce that ultimately was a blessing. (We're still on good terms.) After being unhappy for most of my life, I got my head together at the age of 45, and the decade-plus since then (I'm now 56) have been the best years of my life, by far. I started taking better care of m...
by MandyT
Sun Jun 17, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18568

Re: Life in retirement - what did you do today?

For those who are retired, would you like to share your day to day activities? Also for those who are NEW to retirement, would you like to talk about how you adjust yourself from rat race to retirement life? :beer (I changed subject title hoping to get more responses.) This is my third try at writi...
by MandyT
Thu May 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2371

Re: Las Vegas shows

I'll echo the recommendations for Absinthe and O. I wanted to mention that the seats for Absinthe are very uncomfortable, so you may want to consider bringing a cushion with you.

Carrot Top exceeded my expectations the most. I thought he'd mostly be annoying, but I laughed myself silly.
by MandyT
Wed May 09, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25298

Re: most compelling TV character ever

All hail Hypnotoad!
by MandyT
Tue Apr 24, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 97
Views: 13099

Re: New retirees: so whatdayathink ?

For those of you who have retired within the past year or so, how is it? Have there been any major surprises or adjustments you've had to make. Anything you need help with? I retired last summer. So far, I love, Love, LOVE being retired. I'm an introvert by nature, and it's fabulous to have peace a...
by MandyT
Sun Apr 22, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 11252

Re: What is a good flat rate cash back credit card?

[Citi Double Cash 1.99% vs 2%] I misunderstand also. But if I charge $5k I expect a $100 reward total. If I apply it to my statement I am losing $1. Not worth getting a check and dealing with it. I do a direct deposit of the cash back to my checking account. This gives me 2% and I don't have to deal...
by MandyT
Tue Apr 10, 2018 7:32 am
Forum: Investing - Theory, News & General
Topic: Bill Bernstein, new podcast
Replies: 56
Views: 6916

Re: Bill Bernstein, new podcast

What else can I do for the people to forget my speed-reading mistake? Victoria I have sometimes seen people edit and annotate the post with the error. In an ideal world, people would read the entire thread before responding, but, just in case they don't, something like MIT is not a top school in ec...
by MandyT
Wed Mar 14, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 8105

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

Have you considered trying the new position while taking a year's unpaid leave of absence from your current school? My situation was a bit different, but I got to a point when I was unhappy with several aspects of the town and school environment and was ready to leave my tenured position. My departm...
by MandyT
Sat Mar 10, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: food safety after power outage
Replies: 26
Views: 2212

Re: food safety after power outage

You may want to check whether your homeowner's insurance covers food spoilage. I just checked, and my renter's insurance covers up to $500 with no deductible. (Whether it's inadvisable to have a claim on your record could also be a consideration, I guess.)
by MandyT
Fri Feb 23, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 3912

Re: Good Hotel in DC

I stayed at the Georgetown Inn West End (when it was a Best Western) on New Hampshire between Washington Circle and Dupont Circle. Moderately priced, room was nice and breakfast was fine, easy walk to Foggy Bottom Metro station and the Kennedy Center. I just checked Google Maps and it's about a mile...
by MandyT
Fri Feb 23, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 82
Views: 11594

Re: Do you rent even if you can afford to buy?

In any case, do you rent even if you can afford to buy? Why? Yes. When I was married, we ran some numbers and it wasn't a slam-dunk either way, financially. Neither one of us was particularly handy so we continued to rent. I've been divorced for 15+ years and am still a happy renter. I'm a bit of a...
by MandyT
Fri Feb 23, 2018 1:00 am
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 4069

Re: What seems to matter

In general, how much the payouts increase by delay determines the attractiveness of delaying pension benefits. But delay should definitely be considered if the payouts increase markedly, even if you only delay for a year or two. Not only do people rarely consider delay, most people are not even awa...
by MandyT
Thu Feb 22, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 4069

Re: What seems to matter

Other things that matter for achieving a financially successful retirement - Delay taking Social Security benefits for at least two years after retirement, unless you are retiring after turning 68. Delaying Social Security benefits is especially beneficial in a low interest rate environment. Social...
by MandyT
Wed Feb 21, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 6111

Re: Chillin' in the BH Lounge

Robconoclast wrote:
Tue Feb 20, 2018 8:48 am
Atilla wrote:
Mon Feb 19, 2018 5:59 pm
Investing for life
Low expenses are the key
Avoid Edward Jones
I fled Edward Jones
Bogleheads opened my eyes
The blind now see light
Portfolio risk
Based on your ability
Willingness and need
by MandyT
Tue Feb 20, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7365

Re: Question for music experts about musical keys

I'm a novice for sure, but I've documented my experience on here about taking up violin as an adult. What I've discovered in the little over a year I've been playing is... - sympathetic string vibrations are my friend. It's how I check that I'm playing in tune. The associated ringing from the notes...
by MandyT
Mon Feb 19, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 368
Views: 33031

Re: free dinner investing seminar

I'm not sure if it's because of my age (mid 50's) or because I retired last year, but I've just started receiving low-end versions of this. I got a flyer for a "Lunch and Learn" seminar about incontinence...I just noticed that it's at a Western Sizzlin' 4 hours away! The other flyer is about a medic...
by MandyT
Mon Feb 19, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13006

Re: I'm Cancelling My Home Insurance

I don't understand the anti insurance posts I've seen recently on the board. Well, not necessarily anti insurance, but just thinking it's not necessary. While my house is not 12% of my net worth, I could easily afford to rebuild it if it burned to the ground. But, it just seems silly to me to foreg...
by MandyT
Sun Feb 18, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 7458

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

I'm staying for two nights. When I started investigating flights, there were some outbound Tuesday and Wednesday flights for $40, so I built my trip around one of those flights--decided on a Tuesday departure and a Thursday return. A few days later, the $40 flight went down to $27 so I refared. The...
by MandyT
Sun Feb 18, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 7458

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

Even before becoming a Boglehead, one of my guilty pleasures was looking for frugal ways to do fun things. Now that I'm retired, I have more time to strategize. I'm going to Spring Training for the first time next month--decided to start with a short trip. My round trip flight from the midwest cost...
by MandyT
Fri Feb 16, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 38
Views: 3658

Re: Digital alarm clock suggestions?

I realize that nisi already bought an alarm clock, but I'm another who, despite being old-fashioned in many ways (I wear a wristwatch, I use a VCR, and I reconcile my paper checkbook), has switched to using my cell phone as an alarm clock. I got my first smartphone in the fall. A few things I like a...
by MandyT
Thu Feb 15, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 7458

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

Even before becoming a Boglehead, one of my guilty pleasures was looking for frugal ways to do fun things. Now that I'm retired, I have more time to strategize. I'm going to Spring Training for the first time next month--decided to start with a short trip. My round trip flight from the midwest cost ...
by MandyT
Thu Feb 15, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 46
Views: 3270

Re: Credit Card Statement & Receipt Clearing - Help!

I do not maintain CC receipts. I shred them usually when I get home. I review all CC statements every month. Rarely have I found anything amiss. I now have alerts on my CC’s so anything charged not authorized be me or my DW would get flagged immediately. Ticking and tying to individual receipts see...
by MandyT
Thu Feb 15, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 14944

Re: Ally Bank 12 month CD now 2.00%

There are a lot of favorable post on the BH site about Ally Bank, I took the advice and opened an account and attempted to place 25 K in savings account and 25k in a CD, its not a good impression when you make several attempts to log on and cannot access the account to make your first deposit. I am...
by MandyT
Wed Feb 14, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Increased pay versus personal and job satisfaction
Replies: 12
Views: 1331

Re: Increased pay versus personal and job satisfaction

+1 on the sabbatical idea. I've hosted a few faculty members on sabbatical with my team in industry. Every time it's been a great experience. At worst, you work on an applied problem for 6 months to a year and realize it's not for you. At best, you apply your research and people actually use it, wh...
by MandyT
Tue Feb 13, 2018 1:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: [When will 2018 Bogleheads Conference Announcement be Made?]
Replies: 8
Views: 2432

Re: [When will 2018 Bogleheads Conference Announcement be Made?]

I'd like to (very respectfully, I hope) point out two things that went somewhat awry with last year's announcement. (1) For months, it had been "known" that the announcement would be made on April 5, but it ended up being made on April 2. While I sort-of understand what happened, this had a negative...
by MandyT
Tue Feb 13, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12357

Re: Single People and Retirement Question

I retired from a tenured faculty position at 55 last summer. It seems typical for tenured faculty to teach and do research well into their sixties and seventies, but that wasn't me--I may do some part-time teaching at some point, but I have no desire to continue to do research. I was married for qui...
by MandyT
Thu Feb 08, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: There is no precise plan
Replies: 16
Views: 2276

Re: There is no precise plan

It occurs to me that planning can encompass strategy and tactics. Almost by definition, it makes sense to think about strategy for the long term and tactics for the short term. A few times a week, people in their 20's and 30's posts plans or questions that strike me as tactics for the long term, wit...
by MandyT
Wed Feb 07, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1068900

Re: What Movie Have You Recently Watched?

Netflix probably doesn't have a category for "buddy cop comedies with a fantasy element", but I've been watching them anyway. First Bright, then Men in Black, and finally Zootopia. That may be the last one, since nothing else comes to mind. Alien Nation might qualify. There's also a 2017 movie call...
by MandyT
Fri Feb 02, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 29
Views: 3998

Re: Credit for Retirees

I have a minor update/data point. I retired effective September 1. Earlier this week, I decided to take a major (for me) trip this coming May--I had to put a $250 deposit and the balance (a little over $5000) will be due Feb. 22. That made this a good time to apply for the Chase Sapphire Reserve car...
by MandyT
Thu Feb 01, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Should I Do My Own Taxes Or Pay A CPA $500?
Replies: 65
Views: 7055

Re: Should I Do My Own Taxes Or Pay A CPA $500?

IRS Free Fillable Forms... cheaper than Turbo Tax and after a year of doing it this way, each successive year gets quicker and quicker. And I understand tax implications of everything as a result. The limitation is that the fillable forms don't, as far as I know, do the math for you, making errors ...