Search found 127 matches

by rosylenm
Sat Aug 04, 2018 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5769

Re: Comfort level with Credit Card Balance

Just wondering what's everyone's comfort level is with their credit card balance. Zero comfort level. Any outstanding balance at all on any of my credit cards makes me itch. I check the card balances daily, and pay them off two to three times a week. Excessive, perhaps, but that's just me. Same her...
by rosylenm
Fri Aug 03, 2018 10:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3812

Re: How did you become a Boglehead?

When I figured out I was too old and not frugal enough to hang out with the MMM crowd. :shock:
by rosylenm
Fri Aug 03, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5769

Re: Comfort level with Credit Card Balance

Just wondering what's everyone's comfort level is with their credit card balance. Zero comfort level. Any outstanding balance at all on any of my credit cards makes me itch. I check the card balances daily, and pay them off two to three times a week. Excessive, perhaps, but that's just me. Same her...
by rosylenm
Fri Aug 03, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25324

Re: most compelling TV character ever

Mr. Rogers

Mr. Snuffleupagus

Omar Little

Quinn King

Walter White
by rosylenm
Thu Jul 19, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8169

Re: What is your Take Home Pay / Gross Pay ratio?

Net/Gross = 56%; drops to 48.5% if I also subtract IRA contribution

Max 403(b), $750 for FSA; employer covers medical/dental

Owed $850 to IRS, $1200 refund from state
by rosylenm
Fri Jul 13, 2018 12:52 am
Forum: Personal Consumer Issues
Topic: Thesaurus Help Please
Replies: 12
Views: 764

Re: Thesaurus Help Please

Boglehead? :happy
by rosylenm
Tue Jul 10, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3696

Re: Any kayakers here?

Emilyjane wrote:
Mon Jul 09, 2018 9:37 pm
How do you all haul your kayaks? I am thinking of buying a kayak trailer, but since $2000 or more, have been thinking about it for a while. Right now, we mainly kayak at Lake next to our house, but would be fun to do some exploring.
Lumber rack on Ford Ranger pickup and lots of straps.
by rosylenm
Tue Jul 10, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3696

Re: Any kayakers here?

My husband is/was (he doesn’t go out as much anymore) a kayak fisherman and introduced me to it some years ago. We’d go up and down the California coast to various fishing spots/kayak fishing events. Pretty fun stuff when I was younger not as fun the older I get. BUT, it’s a fairly inexpensive hobby...
by rosylenm
Mon Jul 09, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Resume Question
Replies: 10
Views: 762

Re: Resume Question

As a someone who has reviewed way too many resumes during my careers, I am sure it’s fine to have the same bulletpoints if the tasks were the same, but I would add different bulletpoints for distinct accomplishments or successes in each position if possible.
by rosylenm
Fri Jul 06, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 12762

Re: What time do you get up in the morning?

On workdays, I go to bed between 10 - 12:00 depending on what is happening/how I feel, and am up between 5-5:30am to be at work by 7 am. I am a slow mover in the morning.

On the weekends, I am usually up by 6:30. And I look forward to nap time on the weekends (an hour or two before 3 pm).
by rosylenm
Wed Jun 13, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Does anyone use Imperfect Produce?
Replies: 9
Views: 1231

Re: Does anyone use Imperfect Produce?

We used to subscribe to Imperfect Produce, but only for a couple of months. It was okay and prices were fair (little bit cheaper than Raley’s). We didn’t always receive what we opted for or would receive one item and six of another. The greens and carrots never lasted very long. It’s worth it if you...
by rosylenm
Mon May 28, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Does Wells Fargo Advisors Require Medallian Signature Guarantee
Replies: 15
Views: 1366

Re: Does Wells Fargo Advisors Require Medallian Signature Guarantee

My mom had to obtain a Medallion Signature Guarantee when she transferred her IRA from Wells Fargo to Vanguard back a couple of years ago.
by rosylenm
Sun May 20, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Door Dash: Has anyone used?
Replies: 14
Views: 2160

Re: Door Dash: Has anyone used?

I used it once while traveling, but likely would not use the service again. It cost more than twice as much to use the service than to pick food up ourselves. The only reason I know this is because the delivery person left the receipt in the bag. Order totaled $46 on Door Dash receipt I received via...
by rosylenm
Sun May 20, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6812

Re: What’s your phone/internet bill?

Phone/Internet bill—$75 per month for two cell phones (unlimited talk, text, data [throttled at 23 GB; has only been a problem once in almost two years], 16 GB WiFi hotspot)

Hulu—$11.99 per month

Netflix—$7.99 per month

No landline, cable or home internet.
by rosylenm
Tue Apr 24, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 53
Views: 9523

Re: Anyone used Zelle?

Issues with Zelle reviewed in New York Times article—

https://mobile.nytimes.com/2018/04/22/b ... fraud.html
by rosylenm
Sat Apr 21, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 14065

Re: What have you baked recently?

Baked pan de sal and ensemada (Filipino breads) this past week. Messed up the pan de sal which turned out like dense hockey pucks because I didn’t let them rise three times (started batch too late in the day and didn’t want to wait for full second and third rises). Am redoing another batch today bec...
by rosylenm
Fri Apr 20, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 3069

Re: How long have you been employed?

More than half my life so far (20+).
by rosylenm
Fri Apr 20, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 14065

Re: What have you baked recently?

[Post containing nothing but random numbers removed by admin LadyGeek]
Was it at least tasty? :D
by rosylenm
Thu Apr 19, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Good Dad, Bad Dad [pay for son's driving expenses (or not)]
Replies: 49
Views: 4033

Re: Good Dad, Bad Dad [pay for son's driving expenses (or not)]

I don’t think you’re being miserly at all. Practical, yes. A freshman commuting from family home where bus and biking are reasonable options makes a personal vehicle unnecessary. I spent my first three years in college without a car. My last year in school, my parents let me use one of their cars be...
by rosylenm
Thu Apr 19, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 32271

Re: How old are you and how much do you save for retirement a year

Age-42

Save-32% of gross income; 38% if I include employer contribution
by rosylenm
Sun Apr 15, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: recommend a light box
Replies: 15
Views: 1566

Re: recommend a light box

I purchased a Carex Health Brands Day-Light Classic Plus Bright Light Therapy Lamp CCFDL93011 as a gift for someone living in the Pacific Northwest who struggles with Seasonal Affective Disorder. When she uses it, she feels better. It is a temporary fix though, according to her. She plans to move so...
by rosylenm
Thu Apr 12, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Farewell gift for office when quitting job?
Replies: 19
Views: 2682

Re: Farewell gift for office when quitting job?

I wrote a note on nice paper to each co-worker and told them about what I saw in them or what I enjoyed while working with them. I appreciated it when a former co-worker did that for me in the past.
by rosylenm
Thu Apr 12, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 879
Views: 95608

Re: Netflix, Your Current Favorite Show

Yes! Great show. I felt like i was the only one watching it at the time. Too bad it got cancelled. Southland is currently avilable on Hulu (5 seasons). Yeah its old episodes Yes, they are all old. It only ran for five seasons. Ok but this thread already acknowledged theyre old and it aas cancelled ...
by rosylenm
Wed Apr 11, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 879
Views: 95608

Re: Netflix, Your Current Favorite Show

My wife and i rarely find shows to watch together so thats my primary concern. On my own i wouldnt have finished it either -i know what you mean. But the over arching quality -particularly the acting and cinematogeaphy were exceptional. Im glad i saw it for that reason. Plot holes and cringy dialog...
by rosylenm
Wed Apr 11, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 879
Views: 95608

Re: Netflix, Your Current Favorite Show

7 seconds was good. Look past some of the plot pointsand ithought it was very very well done. Jessica jones is great to kill time. I don’t think I made it past the first or second episode. Does it get better? Between people making some dumb decisions and tired stereoptypes I just didn’t find it com...
by rosylenm
Wed Apr 11, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 879
Views: 95608

Re: Netflix, Your Current Favorite Show

Netflix things I'm watching now: Orange is the New Black Season 5- it's a bit out there at this point, but entertaining Master of None Season 2: Aziz Ansari; acting is maybe a bit off by the supporting characters, but a good show Schitt's Creek: Finished what was on Netflix recently; waiting for mo...
by rosylenm
Wed Apr 11, 2018 1:57 am
Forum: Personal Consumer Issues
Topic: recommend a light box
Replies: 15
Views: 1566

Re: recommend a light box

S.A.D. light box?
by rosylenm
Tue Apr 10, 2018 12:20 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 46584

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

Years ago, I HAD to have a bread machine. Went to three different stores until I found one. Made maybe two batches of bread (they were eh). Wound up unloading it on my ex’s brother in-law.
by rosylenm
Mon Apr 09, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 14065

Re: What have you baked recently?

Granola. Much cheaper than buying from the bulk bin at the grocery store. And it uses up all the random cupboard/freezer/fridge items. recipe please? 5 cups old fashioned oats 1 cup brown sugar 1 tablespoon ground cinnamon 1 teaspoon ground nutmeg 1 cup chia seed (original recipe called for 1 cup w...
by rosylenm
Mon Apr 09, 2018 12:21 am
Forum: Local Chapters and Bogleheads Community
Topic: Too much Bogleheads.org?
Replies: 90
Views: 14643

Re: Too much Bogleheads.org?

I’ve been hanging out on this forum for less than two years. For me, I spent the first year reading everything I could about personal finance. After about a year, I have reduced the amount of reading—on and off line—because I reached my saturation point. These days, I only read personal consumer pos...
by rosylenm
Sat Apr 07, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 16737

Re: How much cash do you keep at any time on checking?

Anywhere from $18 and up (currently have $104). I try to keep as little as possible in that account. Just enough to pay bills I can’t pay with credit cards. Needing cash is rarely an issue for me. SO is a cash operator so he’s my ATM and I pay him back electronically.
by rosylenm
Sat Apr 07, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6260

Re: [When is going out to a restaurant worth it to you?]

Yes, GolfCaddy is right that temperature and humidity control are very important. Having said that.... I can't find the article I thought I saved on my desktop, but found nine copies of this http://www.beefissuesquarterly.com/CMDocs/BeefResearch/PE_Executive_Summaries/Dry_Aging_of_Beef.pdf The Food ...
by rosylenm
Sat Apr 07, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6260

Re: Restaurants Vs. Cooking?

If you want a dry-aged USDA prime steak, you're not going to be able to buy that at your local supermarket. If you order online from any of the top places, by the time you include the overnight shipping, you're paying almost restaurant prices. You can dry age steak at home. I’ve done it several tim...
by rosylenm
Wed Mar 28, 2018 11:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 22689

Re: A lot of heavy hitters this morning

I had a couple of windfalls today— Purchased tube of ointment at not my regular pharmacy and was charged $7.94. Submitted prescription refill again and had it filled at regular pharmacy and was charged $2.77. Returned first tube purchased while picking up second tube (windfall (sort of) — $5.17 plus...
by rosylenm
Mon Mar 26, 2018 2:30 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1971
Views: 366984

Re: What are you up YTD? [Year To Date]

-2.0% with ~ 80% stock/17% bond (3% cash)
by rosylenm
Wed Mar 21, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 14065

Re: What have you baked recently?

Granola. Much cheaper than buying from the bulk bin at the grocery store. And it uses up all the random cupboard/freezer/fridge items. recipe please? 5 cups old fashioned oats 1 cup brown sugar 1 tablespoon ground cinnamon 1 teaspoon ground nutmeg 1 cup chia seed (original recipe called for 1 cup w...
by rosylenm
Wed Mar 21, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 142
Views: 14065

Re: What have you baked recently?

Granola.

Much cheaper than buying from the bulk bin at the grocery store. And it uses up all the random cupboard/freezer/fridge items.
by rosylenm
Sun Mar 11, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155462

Re: Boglehead Beer

Lagunitas’ Aunt Sally is a refreshing sour beer, but not very Boglehead-y at $14 for a six-pack. Miller Lite when money is tight. Homebrewing is best because you can make whatever you want, but it is not cost effective if you take your time to make it into account unless you do several batches at on...
by rosylenm
Sat Mar 03, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Walking shoes for plantar faciatis?
Replies: 61
Views: 5772

Re: Walking shoes for plantar faciatis?

A few months after I started wearing Crocs Bistro clogs and Superfeet inserts (green, blue and 1/2 length black heel cup for flats) for all other shoes, I had no more pain when walking barefooted (my PF pain was only in the heel). When I was in between walking shoes, I wore the Crocs on my walks (~3...
by rosylenm
Tue Feb 27, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: Costco - Executive vs. Gold Membership
Replies: 44
Views: 16628

Re: Costco - Executive vs. Gold Membership

I like Costco for its deals, but I have yet to have a pleasant, annoyance free experience there. huh? I get it, the executive membership isn't for you since you don't spend enough. Why go through the hoops of getting a rebate when you can just get the lower membership? However, the folks who work a...
by rosylenm
Tue Feb 27, 2018 11:34 pm
Forum: Personal Consumer Issues
Topic: Costco - Executive vs. Gold Membership
Replies: 44
Views: 16628

Re: Costco - Executive vs. Gold Membership

Attempt #2 The following year, we go to membership counter and were told we needed to bring the rebate check to get the difference in membership. When asked why we did not receive difference in membership in previous years, we were told that we had to do that at membership counter and cashiers do n...
by rosylenm
Tue Feb 27, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Costco - Executive vs. Gold Membership
Replies: 44
Views: 16628

Re: Costco - Executive vs. Gold Membership

Please check, with the executive membership, if you did not get back the $55, they give you the balance. Let us say, you go the rebate of $30, show that at the customer service, they will give you the difference, $55 - $30 = $25. Really? Then that changes everything. Thank you for that info. YB I e...
by rosylenm
Mon Feb 26, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 6489

Re: Favorite socks?

Wrightsocks have served me well. They: wick, are thin, come in variety of styles and fit my wide feet. They are available at REI. I have had some pairs that have lasted more than a decade. A little pricey at about $9 a pair, but you can always stock up when they go on sale.
by rosylenm
Sat Feb 10, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: "Personal Capital" program
Replies: 19
Views: 2685

Re: "Personal Capital" program

dbr wrote:
Sat Feb 10, 2018 10:43 am
The question would be "why."
Convenience/efficiency for folks who don’t do spreadsheets/Quicken/.... It’s easier to open one app that has all info (asistes/liabilities) than visit each individual website/app.
by rosylenm
Sat Feb 10, 2018 1:12 am
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 4519

Re: Black Theme for Site?

Everybody knows that text readability achieved perfection in 1989. http://www.vdevito.com/site/wp-content/uploads/2016/06/5x-dos-a559929a888425c7cd465e0ce76fc149-WordPerfect-5.1-Edit.png At my work, one of the databases (?) I use is similar except the screen is a brighter blue and text is all yello...
by rosylenm
Wed Feb 07, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2537

Re: Visiting SAN FRANCISCO

Tu Lan for cheap Vietnamese food in SoMa. Supposedly Julia Child liked their food. Anything with the imperial roll is tasty. Golden Gate Park is full of neat things—bison?, arboretum, etc. Ferry building, oysters and people watching. Ferry to Oakland and have a drink at the First & Last Chance Saloo...
by rosylenm
Fri Feb 02, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5574

Re: Choosing which room to sleep in

It’s funny (ironic not ha ha) when I say it (woman), it’s sexist and have to be corrected many times over. When a man says it, crickets chirp. Don’t believe me, google it. Even Taylor L. agrees (not his exact words, but the gist is the same; see his post earlier in thread). People have been objecti...
by rosylenm
Fri Feb 02, 2018 12:35 am
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5574

Re: Choosing which room to sleep in

People often say on this board, happy wife happy life. And it seems to be true (I am a wife). I don’t know if betting is allowed, but I’d bet ten bucks no matter what she decides, she’s gonna change her mind. You just gotta roll with it. :wink: And every time I see that patronizing sexism, I have t...
by rosylenm
Thu Feb 01, 2018 2:03 am
Forum: Personal Consumer Issues
Topic: Choosing which room to sleep in
Replies: 48
Views: 5574

Re: Choosing which room to sleep in

My wife and I are moving to a new place that has 2 bedrooms, both with attached full bathrooms. 1 room is bigger than the other. When we first viewed the place, we thought of using the smaller room as a home office. As time went on, we started talking about how we could maybe put some home gym equi...
by rosylenm
Mon Jan 29, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47145

Re: What frugal thing did you do today?

Went on a mini-vacation to a place where hotel was 50% off, bought groceries from my local market (instead of their local general store) and had a blast beachcombing and being lazy for three days on the CA coast. Best $500 I’ve spent in a while.