2020: 0% (review in June)
2021 guessing between 2 and 3%
Search found 155 matches
- Sun Feb 21, 2021 8:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: So what kind of raise did you guys get for 2021?
- Replies: 205
- Views: 15214
- Sun Dec 20, 2020 8:25 am
- Forum: Personal Investments
- Topic: Roast me! ER doctor portfolio
- Replies: 88
- Views: 8031
Re: Roast me! ER doctor portfolio
Note to self if posting portfolio. No roasting, just interrogation.
Congratulations on your portfolio. As others have mentioned, I hope you’re spending time in leisure. Nothing wrong with treating yourself if you have wants.
Congratulations on your portfolio. As others have mentioned, I hope you’re spending time in leisure. Nothing wrong with treating yourself if you have wants.
- Wed Nov 25, 2020 7:40 pm
- Forum: Personal Consumer Issues
- Topic: Theft of catalytic converter ("autocatalyst") ?
- Replies: 64
- Views: 4379
- Sun Oct 25, 2020 12:53 pm
- Forum: Personal Consumer Issues
- Topic: Luxury car recommendation
- Replies: 52
- Views: 3206
Re: Luxury car recommendation
Years ago I pulled up curbside to pick up my child from day care. The young women who brought my child out exclaimed, "Oh, you drive a nice Lexus!" However, my dog attracts more "chicks" as does as my friendly demeanor. :sharebeer What I was going to tell the OP too...get a pupp...
- Thu Oct 01, 2020 8:43 pm
- Forum: Personal Consumer Issues
- Topic: Rat at home - how to catch?
- Replies: 48
- Views: 3125
Re: Rat at home - how to catch?
A hungry cat.
- Sun Aug 09, 2020 8:29 pm
- Forum: Personal Finance (Not Investing)
- Topic: Keane (Legal Claimant Services) Question Re: Unclaimed Property
- Replies: 7
- Views: 644
Re: Keane (Legal Claimant Services) Question Re: Unclaimed Property
Most unclaimed property records should be public. In addition to your grandfather's name (with variations) you should check the names of his spouse(s) as well as states where he worked and adjacant states if he lived/worked near the border (such as New York/New Jersey). A common source of unclaimed...
- Sun Aug 09, 2020 4:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: Keane (Legal Claimant Services) Question Re: Unclaimed Property
- Replies: 7
- Views: 644
Keane (Legal Claimant Services) Question Re: Unclaimed Property
Good day, I’m looking for wisdom from the board re: a topic I have no experience. My grandfather passed away 20+ yr ago and his heirs (my mom and aunt) have been contacted by a rep at Keane (Legal Claimant Services) who specializes in unclaimed property. According to Keane, my grandfather had liquid...
- Tue Jun 16, 2020 8:47 pm
- Forum: Personal Consumer Issues
- Topic: chicken marinade recipes
- Replies: 48
- Views: 4904
Re: chicken marinade recipes
Italian dressing or Chipotle chicken hack https://www.culinaryhill.com/chipotle-chicken/
- Thu May 28, 2020 8:32 pm
- Forum: Personal Investments
- Topic: Have you been following your IPS?
- Replies: 42
- Views: 2174
Re: Have you been following your IPS?
Yes 90/10. We have actually been trying to buy more the last 3 months. We're very comfortable with 90/10 AA.
- Wed May 27, 2020 6:31 pm
- Forum: Personal Consumer Issues
- Topic: Bird Nest Forming Under Deck
- Replies: 27
- Views: 1615
Re: Bird Nest Forming Under Deck
Get a fake owl.
- Wed May 20, 2020 9:06 pm
- Forum: Personal Consumer Issues
- Topic: what to do about 1000s of dandelions/weeds?
- Replies: 60
- Views: 5144
- Sun May 03, 2020 6:53 am
- Forum: Personal Consumer Issues
- Topic: Lawn mower recommendation
- Replies: 91
- Views: 6367
Re: Lawnmower recommendation
Honda or Toro Make sure to maintain when the season is over by running fuel reservoir dry, change plug, change oil, and check air filter. Also check blade(s) to see if they need to be sharpened. +1 to whomever mentioned buying used. Check FB marketplace or Craigslist for mowers. That’s how I purchas...
- Sun Apr 26, 2020 2:09 pm
- Forum: Personal Consumer Issues
- Topic: Apple Released a New Low-cost Iphone
- Replies: 172
- Views: 15013
Re: Apple Released a New Low-cost Iphone
For those of you who are, like me, fans of Consumer Cellular, be advised that they now have the SE for sale on their website. The only version they currently have, though, is Red / 128 GB. But that's just perfect for me, so I ordered one yesterday. It was $400, which is $50 less than Apple's price ...
- Thu Apr 23, 2020 5:03 pm
- Forum: Personal Consumer Issues
- Topic: Apple Released a New Low-cost Iphone
- Replies: 172
- Views: 15013
Re: Apple Released a New Low-cost Iphone
They are shipping straight from China and saying delivery by EOD tomorrow.
- Tue Apr 14, 2020 3:37 pm
- Forum: Personal Finance (Not Investing)
- Topic: Best site for financial literacy for HS seniors and adults?
- Replies: 8
- Views: 445
Re: Best site for financial literacy for HS seniors and adults?
https://www.choosefifoundation.org/
I really like this site. My daughter is 8 and we’ve been doing a few lessons per week. All the information is free.
The podcast is excellent too. They’ve had Rick Ferri a few times in the past 2 weeks.
I really like this site. My daughter is 8 and we’ve been doing a few lessons per week. All the information is free.
The podcast is excellent too. They’ve had Rick Ferri a few times in the past 2 weeks.
- Sun Apr 12, 2020 10:02 pm
- Forum: Personal Consumer Issues
- Topic: What Amazon Prime (free) movies y'd recommend ?
- Replies: 78
- Views: 7011
Re: What Amazon Prime (free) movies y'd recommend ?
Prime Original Hunters was pretty good if you like historical fiction w a Tarantino’esque satire. Wrapped this one up two nights ago. Thoroughly enjoyed it. Latest season of Ozark is on deck. I’ve watched 14 episodes of Jack Ryan in the last 4 days. This one is very good too. Lmk how Ozark turns out
- Sat Apr 04, 2020 8:50 pm
- Forum: Personal Consumer Issues
- Topic: What Amazon Prime (free) movies y'd recommend ?
- Replies: 78
- Views: 7011
Re: What Amazon Prime (free) movies y'd recommend ?
Prime Original Hunters was pretty good if you like historical fiction w a Tarantino’esque satire.
- Sat Apr 04, 2020 12:26 pm
- Forum: Personal Consumer Issues
- Topic: How are you exercising with gym closures
- Replies: 111
- Views: 6373
Re: How are you exercising with gym closures
Ok run....Monsterflockster wrote: ↑Sat Apr 04, 2020 11:56 amFirst time I’ve heard someone averaging 6-7 miles a day call themselves a jogger.smitty1515 wrote: ↑Fri Apr 03, 2020 9:26 pm Jog about 40 miles a week.
Spin (have my road bike on trainer) 1-2 x weekly
Push ups
Planks
Sit ups
Side planks
Bicycles![]()

- Fri Apr 03, 2020 9:26 pm
- Forum: Personal Consumer Issues
- Topic: How are you exercising with gym closures
- Replies: 111
- Views: 6373
Re: How are you exercising with gym closures
Jog about 40 miles a week.
Spin (have my road bike on trainer) 1-2 x weekly
Push ups
Planks
Sit ups
Side planks
Bicycles
Spin (have my road bike on trainer) 1-2 x weekly
Push ups
Planks
Sit ups
Side planks
Bicycles
- Tue Mar 31, 2020 11:06 am
- Forum: Personal Investments
- Topic: Another way Edward Jones gets you
- Replies: 43
- Views: 4820
Re: Another way Edward Jones gets you
A bizarre post goes something like this — hey everyone, stay away from this advisory service because they take advantage, put their needs ahead of yours, and are sneaky in how they operate.
Author
Continued customer of said company

Author
Continued customer of said company

- Wed Mar 18, 2020 7:46 pm
- Forum: Investing - Theory, News & General
- Topic: Should people STOP investing in favor of boosting their emergency funds?
- Replies: 83
- Views: 5730
Re: Should people STOP investing in favor of boosting their emergency funds?
How many people ACTUALLY have 100% secure jobs? You might have thought that before this situation (and were probably reasonably correct), but this situation is so completely out of left field that it will affect tons of people who never expected it. Only safe jobs right now are essential services l...
- Sat Mar 14, 2020 7:49 pm
- Forum: Personal Consumer Issues
- Topic: Coffee Makers
- Replies: 55
- Views: 3642
Re: Coffee Makers
French press
Pros- cheap, makes delicious coffee, no additional cost (eg filters), no build up in water lines
Pros- cheap, makes delicious coffee, no additional cost (eg filters), no build up in water lines
- Sat Mar 14, 2020 7:42 pm
- Forum: Personal Investments
- Topic: I guess 100% stocks is right for me
- Replies: 53
- Views: 4260
Re: I guess 100% stocks is right for me
Wife and I are 37/38, 90/10 equity/bond, have seen portfolio decline about $100k as of late, and conjuring ways to buy more equities. I’m sleeping great, grateful for our situation, and thankful for the knowledge and wisdom re personal finance I’ve learned on this board and meet ups. Advice to the O...
- Sun Jan 05, 2020 7:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: Defining FI
- Replies: 8
- Views: 1676
Re: Defining FI
We do not factor SS into the FI equation because we plan to be FI in our mid to late 40s. Of course, there are many years between hitting FI and traditional retirement when one begins to take SS distributions. Additionally, SS is predicated on many factors I don't know the answer so for the sake of ...
- Fri Dec 20, 2019 7:40 pm
- Forum: Personal Consumer Issues
- Topic: Recommend Laptop
- Replies: 79
- Views: 5989
Re: Recommend Laptop
I purchased a late 2018 MacBook Air recently w the following specs:
Intel i5
16 gb ram
512 gb SSD
13” Retina display
Very happy w the purchase at $1199.
Intel i5
16 gb ram
512 gb SSD
13” Retina display
Very happy w the purchase at $1199.
- Fri Sep 13, 2019 7:20 pm
- Forum: Personal Consumer Issues
- Topic: Calling all iPhone SE Bogleheads
- Replies: 61
- Views: 5392
Re: Calling all iPhone SE Bogleheads
I’m using an SE and have been for 3 years. I just had a new battery put in at the Apple store for $55 which has made keeping it much easier.
The key will be continuing to have access to updates in the future.
The key will be continuing to have access to updates in the future.
- Sat Sep 07, 2019 6:44 am
- Forum: Personal Finance (Not Investing)
- Topic: Can it get better than 15 year fixed mortgage at 3%?
- Replies: 44
- Views: 3858
Re: Can it get better than 15 year fixed mortgage at 3%?
Chunkachange wrote: ↑Fri Sep 06, 2019 9:20 pmTrying to reconcile your username with your post, I can only assume you divorced a man named Mort.
- Mon Jul 22, 2019 7:45 pm
- Forum: Personal Consumer Issues
- Topic: What companies provide the best customer service
- Replies: 58
- Views: 4787
Re: What companies provide the best customer service
Disney
Chick Fil A
Chick Fil A
- Sun Jul 14, 2019 2:54 pm
- Forum: Personal Consumer Issues
- Topic: I think i can spend 30k on this vacation, but wife not sure
- Replies: 77
- Views: 8367
Re: I think i can spend 30k on this vacation, but wife not sure
Amazing that 5M isn't what it used to be. And maybe safaris are meant for people with more money anyway. Thanks for the responses, and have a nice day. Don’t take your situation for granted. You are top of world population re wealth. Take the trip if it’s an experience you and your spouse value and...
- Mon Jul 01, 2019 9:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: 75 vs 78% LTV
- Replies: 8
- Views: 1166
Re: 75 vs 78% LTV
We just did this on a home we bought new in 2015. The 75% rule was in reference to removal of PMI based on current value. So....we paid $450 for an appraisal which came in at $406k w balance of $305k which removed PMI.
- Mon Mar 11, 2019 8:26 pm
- Forum: Personal Consumer Issues
- Topic: Best Car Values
- Replies: 155
- Views: 12789
Re: Best Car Values
I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush,...
- Fri Mar 08, 2019 3:56 pm
- Forum: Personal Consumer Issues
- Topic: Best Car Values
- Replies: 155
- Views: 12789
Re: Best Car Values
I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush,...
- Wed Mar 06, 2019 9:50 pm
- Forum: Personal Consumer Issues
- Topic: Best Car Values
- Replies: 155
- Views: 12789
Re: Best Car Values
I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush, ...
- Sun Feb 10, 2019 6:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Did you investigate your partner's financial background before committing?
- Replies: 99
- Views: 6648
Re: Did you investigate your partner's financial background before committing?
Yes, my wife and I got “financially naked” before getting too serious. I couldn’t imagine not doing so as financial disagreements and beliefs can ruin a marriage.
- Sat Feb 09, 2019 7:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: What does financial peace look like to YOU?
- Replies: 64
- Views: 6379
Re: What does financial peace look like to YOU?
1.) 25 x annual expenses
2.) paid off mortgage
3.) giving 10% plus of my income per yr
4.) giving my time to meeting others and giving hope to the financially illiterate
5.) the ability to choose my pursuits based on interest and fulfillment and not pay
2.) paid off mortgage
3.) giving 10% plus of my income per yr
4.) giving my time to meeting others and giving hope to the financially illiterate
5.) the ability to choose my pursuits based on interest and fulfillment and not pay
- Wed Jan 16, 2019 8:06 am
- Forum: Personal Finance (Not Investing)
- Topic: Guidance requested
- Replies: 9
- Views: 1101
Re: Guidance requested
Sjt,
Thank you for the well constructed response. You’ve given me some things to think about in how I analyze our plan and future. Again, thank you.
Thank you for the well constructed response. You’ve given me some things to think about in how I analyze our plan and future. Again, thank you.
- Tue Jan 15, 2019 9:52 am
- Forum: Personal Finance (Not Investing)
- Topic: Guidance requested
- Replies: 9
- Views: 1101
Re: Guidance requested
Although I have never invested in any real estate myself, I would encourage you to try it because of the entire tone of your post. I think one can become financially independent without real estate investments, but it seems you are willing to try it out, so I recommend that you do so. You’re one of...
- Mon Jan 14, 2019 6:55 am
- Forum: Personal Finance (Not Investing)
- Topic: Guidance requested
- Replies: 9
- Views: 1101
Re: Guidance requested
Thank you for the input Silverado. We’ve experienced 3-5% annual raises during this time. We made some questionable decisions in our mid 20s but have a solid foundation to build upon now.
Again, thanks for the input.
Again, thanks for the input.
- Sun Jan 13, 2019 7:30 am
- Forum: Personal Finance (Not Investing)
- Topic: Guidance requested
- Replies: 9
- Views: 1101
Re: Guidance requested
Thank you for the link. That’s not a site I’d heard of and there appears to be excellent content.
- Sat Jan 12, 2019 12:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Guidance requested
- Replies: 9
- Views: 1101
Guidance requested
I make this post for guidance and appreciate anyone who takes time to read/provide feedback. I've done more reading than posting over the years and value these opinions because most are pursuing or have obtained financial independence. Our situation: Monthly expenses: $5,700/mo Monthly income: (afte...
- Wed Jan 02, 2019 8:44 pm
- Forum: Investing - Theory, News & General
- Topic: What are you up YTD? [Year To Date]
- Replies: 3482
- Views: 579115
- Sun Oct 07, 2018 7:51 am
- Forum: Personal Consumer Issues
- Topic: Radon
- Replies: 10
- Views: 1499
Re: Radon
We have tested and our readings were 4.5 and 4.8 which is slightly elevated (goal is < 4). We live in MN where radon is a concern. I'm not sure how much of a farce I think the industry is but the fact of the matter is I will incur the cost to mitigate if I rent out or sell this home so why not take ...
- Sun Aug 26, 2018 7:48 am
- Forum: Personal Finance (Not Investing)
- Topic: Savings rate per month???
- Replies: 68
- Views: 6698
Re: Savings rate per month???
35/36 1 kid
42% gross (includes employer contribution)
42% gross (includes employer contribution)
- Wed Aug 22, 2018 9:01 pm
- Forum: Personal Consumer Issues
- Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
- Replies: 76
- Views: 7895
Re: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
https://www.nytimes.com/2001/12/15/spor ... -lies.html
My advice - contact the university and finish your degree the way you intended and legitimately claim your paper.
My advice - contact the university and finish your degree the way you intended and legitimately claim your paper.
- Wed Aug 22, 2018 11:06 am
- Forum: Personal Consumer Issues
- Topic: Specific Disney fastpass suggestions
- Replies: 10
- Views: 1448
Re: Specific Disney fastpass suggestions
Animal kingdom
Safari
Avatar flight of passage
Expedition Everest
Magic kingdom
Space mountain
Thunder mountain
7 dwarfs Mine Train
Epcot
Soarin
Test track
Spaceship earth
Safari
Avatar flight of passage
Expedition Everest
Magic kingdom
Space mountain
Thunder mountain
7 dwarfs Mine Train
Epcot
Soarin
Test track
Spaceship earth
- Fri Aug 03, 2018 9:37 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 2150
- Views: 260545
Re: Poll: At what age did you hit $500k Net Worth
The additional piece of info I'd like to know is an estimate of how much in income (combined income for couples) plus gifts (inheritance) had the person earned over their lifetime when they reached 500k in savings. A couple who had reached 500k at 30 but had cumulatively earned and/or inherited $5 ...
- Fri Aug 03, 2018 9:24 pm
- Forum: US Chapters
- Topic: Post your Financial Milestone Announcements Here
- Replies: 2150
- Views: 260545
Re: Poll: At what age did you hit $500k Net Worth
Wife 35, Me 36. Coincidentally, it just happened last weekend nearly 10 years after starting career. We are saving 50% of our after tax income and plan to cross the $1M NW in 5 years. Of course market fluctuations could alter this but we can only control factors such as savings rate, investing in lo...
- Mon Jul 30, 2018 7:11 am
- Forum: Personal Consumer Issues
- Topic: Best MacBook Value
- Replies: 40
- Views: 3742
Re: Best MacBook Value
Has anyone ever purchased off Gazelle or like sites? I was recently having some issues with our 13" mid 2012 MacBook Pro however doubling up the RAM and putting in a new battery has significantly improved the performance of the machine. I did both of these things for less than $100 but before h...
- Sun Jul 29, 2018 6:21 am
- Forum: Personal Consumer Issues
- Topic: Has Anyone Tried Youtube TV?
- Replies: 55
- Views: 7711
Re: Has Anyone Tried Youtube TV?
Happy YT TV customer here. We've had very few issues and when we have their customer service is on point. During a recent World Cup match YT TV was down for a short period of time. Within 24 hours of the outage I got an email apologizing and comping me 1 free week of YT TV. The only two streaming TV...
- Wed Jul 18, 2018 9:19 pm
- Forum: Investing - Theory, News & General
- Topic: Direct Real Estate Returns
- Replies: 361
- Views: 20370
Re: Direct Real Estate Returns
^^^
That would be cash on cash return
That would be cash on cash return