Search found 60 matches

by rosylenm
Thu Nov 16, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 70
Views: 2299

Re: Where did you first learn about investing?

My parents and high school Econ class. My parents used to buy U.S. savings bonds for me and my sisters on a monthly basis for a long time. I used to love going through them and marveling at their beauty and counting how much money we had and being sad that I didn’t have the most. We had savings acco...
by rosylenm
Mon Oct 16, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2533

Re: How do you outfit your feet?

1. Clark’s Mary Janes (2—one brown, one black) 2. Clark’s Brown lace up shoes Above have Superfeet inserts 3. Crocs—two pair, one inherited from a nurse friend of a friend who passed and aren’t made anymore and another pair I bought recently because inherited pair are compromised (hole in bottom) 4....
by rosylenm
Thu Oct 12, 2017 2:28 am
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 1657

Re: $5.5K to invest - best strategy

What are your goals? If anything, your goals should be driving your investments.
by rosylenm
Thu Sep 28, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15197

Re: Why do you LBYM? Why do you save and invest?

I let myself get burned out at work in 2014. My blood pressure was way too high, stressed out all the time, making doctors appointments on court holidays because I couldn’t take time off. It was all bad. The only option I could see was to quit. I had a small chunk of change in savings and a contract...
by rosylenm
Thu Sep 28, 2017 2:46 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15197

Re: Why do you LBYM? Why do you save and invest?

My question to the member of the forum is this. What makes you different from others? What makes you believe that you could be LBYM, save and invest to make a difference in your life? I grew up in a live beyond your means household and lived that way for a while after that. It took a career change a...
by rosylenm
Wed Sep 27, 2017 1:09 am
Forum: Personal Finance (Not Investing)
Topic: My boneheaded financial mistakes
Replies: 77
Views: 9799

Re: My boneheaded financial mistakes

Too many to count, but included cashing out 401(k)s and a SEP IRA or three before 35. Forty seems to be a magic number for a lot of folks, myself included. It took turning 40 for me to buckle down, settle some debts and get serious about saving for the future. Being a DINK makes it a lot much easier.
by rosylenm
Sat Sep 23, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12068

Re: Lifestyle Creep

I am willing to camp a lot less and opt for hoteling instead especially these last couple of years. Small price to pay in the grand scheme of things, enjoying a vacation versus being grumpy and dirty and dealing with vault/pit toilets.
by rosylenm
Thu Jul 27, 2017 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8986

Re: Should you wait until the due date to pay credit card balance?

I try to pay off credit cards as soon as items post because I have a hard time keeping track of money already spent in my checking account. I don't think it makes a difference credit score wise as my SO always has a balance (he pays off balance due when statement is issued, but he is always charging...
by rosylenm
Wed Jul 05, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: What are your health insurance stats?
Replies: 89
Views: 5965

Re: What are your health insurance stats?

what do other Bogleheads pay for their health insurance? Here are the details of my employer-sponsored plan: Premium: $802/mo (paid by employer/0 paid by me) Co-pays & Rxs: $5.00 Deductible: none Co-insurance after deductible: none OOP Max: $1,500 individual Geography: Bay Area Age: 42 Dental paid b...
by rosylenm
Fri Jun 16, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 17754

Re: Poll: 401K Match

Employer contributes 5.5% to all staff's 403(b)s regardless of staff members' contributions and vests after one year.
by rosylenm
Fri Jun 16, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Help me fix my company's 401k plan
Replies: 12
Views: 898

Re: Help me fix my company's 401k plan

Just three funds-- VTSAX--Vanguard Total Stock Market Admiral VBTLX--Vanguard Total Bond Index Admiral VFWAX--Vanguard FTSE All World Ex US Admiral Institutional versions would be even better. When I suggested above at my workplace, only bond one was approved by investment committee. Though classes ...
by rosylenm
Thu Jun 15, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 31
Views: 4392

Re: Privacy vs $$$$

You may want to check out Terms of Service from your local library. It speaks to what we give up in this digital age. It's a bit frightening.
by rosylenm
Tue Jun 13, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 7179

Re: Have you canceled cable?

No home phone since 2007. Quit cable in 2013 after promo ended. Stopped home internet subscription last year. We are fine with two smartphones with unlimited data (and 16 GB of wifi), Netflix, Hulu and the public library for DVDs.
by rosylenm
Sat Jun 10, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 3079

Re: Naming boat

MindBogling
by rosylenm
Thu Jun 08, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3784

Re: How often do you redeem your credit card cash rewards?

Fidelity 2% automatically pays out monthlyish. I treat all money received, be it income, bonuses, interest, gifts, the same. Straight to investments. I find it odd that such a trivial amount of money would alter ones spending habits, when it it's trivially small relative to a lifetime of earnings a...
by rosylenm
Wed Jun 07, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3784

Re: How often do you redeem your credit card cash rewards?

Monetize them as soon as I can (most allow automatic redemption or apply as a credit to the account) - they aren't found money, they are reduction in spending and should be put back into my accounts as quickly as possible. I disagree. One would not have the cash back reward if one did not use the c...
by rosylenm
Wed Jun 07, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3784

Re: How often do you redeem your credit card cash rewards?

I used to take the cash once I reached the minimum just because it was so new to me and so cool that I was being paid to use the cards. Now, I redeem one whenever my checking account balance gets a little too low. :shock: The other I let accumulate until my SO asks for it. :D
by rosylenm
Tue Jun 06, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Discouraged by Starting Late
Replies: 21
Views: 3941

Re: Discouraged by Starting Late

Being "behind" in saving for retirement is relative. When I was your age, my net worth was negative five digits. Turning 40 was definitely a kick in the pants for me. And while I hate myself for some of my not so good for me decisions in my youth (cashing out 401ks, etc.) I've managed to turn things...
by rosylenm
Thu Jun 01, 2017 10:57 pm
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 4908

Re: How do you fight the urge to micromanage?

I'm a tinkerer. And I watch what happens everyday because I am a lookyloo (sp?). And I have messed up. And I have also made smart choices. And I have an IPS (which I don't adhere too all the time because I am human and emotional and the winds vary and the tides shift and....).You have to find your s...
by rosylenm
Sat May 20, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 3563

Re: What goes in your smoothie?

--Something green (dandelion, kale , spinach, or collard)
--frozen berries
--banana
--dates
--apple or pear or peach or...
--sometimes avocado
--water
by rosylenm
Sat May 06, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4649

Re: Best salads

I'm a big fan of kale ....said no one, ever. Oh, wait. If I really wanted to be that healthy, I'd rather just throw some Vitagummies on my salad. Yum! Next time you are in the Bay Area, drop me a line and we'll make you a kale salad, heritage pork belly feast with wild abalone appetizers. Vitamin t...
by rosylenm
Sat May 06, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 4649

Re: Best salads

I'm a big fan of kale salad with homemade breadcrumbs (white bread with some freshly grated Parmesan, finely chopped garlic, salt and pepper, then toasted) and freshly grated Parmesan and dressing made of EVOO, lemon juice, red pepper flakes, salt, pepper. So easy and so satisfying. I love the tooth...
by rosylenm
Sat May 06, 2017 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Fairness in College Savings
Replies: 47
Views: 3466

Re: Fairness in College Savings

I started funding 529s for my niece/nephews (I do not have kids). Not enough to pay for too much, but enough to help. I divvy up my monthly contributions based on their ages--oldest (15 going on 16) gets half since he will need it sooner, the other three are split equally until contributions to olde...
by rosylenm
Sat Apr 29, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14609

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Hi Klang Fool, It was a different version of the Board (some seasoned members, some new members) that changed the way they deal with ED. The organization is struggling to be relevant (it struggled under previous ED and it is struggling under current ED) and it would be tragic for segments of very v...
by rosylenm
Sat Apr 29, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14609

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Hi Klang Fool, It was a different version of the Board (some seasoned members, some new members) that changed the way they deal with ED. The organization is struggling to be relevant (it struggled under previous ED and it is struggling under current ED) and it would be tragic for segments of very vu...
by rosylenm
Sat Apr 29, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14609

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

When I leave megacorp, in my exit interview I plan to not burn any bridges, but will respectfully mention that my boss was a key reason, unless any of you here on Bogleheads advise me that that's not a good idea. Soul.in.Progress, Why bother? If the organization does not get rid of the bad boss, it...
by rosylenm
Sat Apr 29, 2017 12:21 am
Forum: Investing - Help with Personal Investments
Topic: Help with Investing for Elderly Parents
Replies: 14
Views: 1334

Re: Help with Investing for Elderly Parents

What do they want? Are there things on their bucket lists that they still want to do? That's where I would start. I am assuming and you know where that leads....
by rosylenm
Sun Apr 23, 2017 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home in the Bay Area
Replies: 28
Views: 3952

Re: Buying a home in the Bay Area

You asked if the commute is worth it, IMO, no it is not (I live in the Bay Area). Keep your sanity, stay where you are and the kid, when the kid comes, will be none the wiser. Keep the windfall (and invest wisely) and count your blessings.
by rosylenm
Sat Apr 22, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2783

Re: National Parks in Northern CA

I usually went in August, but Camp Sierra (just past Shaver Lake) in Sequioa National Park (or near there). About a twenty minute hike downhill, there are a series of swimming holes (potholes). Always pretty fun and fairly secluded.
by rosylenm
Sat Apr 22, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 6440

Re: Six pack for barbecue?

Two six packs of Lagunitas' Aunt Sally and yer done. Keep it simple.
by rosylenm
Wed Apr 19, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14609

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Reading this thread, I feel so grateful for my current workplace (not the nightmare in previous post). It's not perfect and it's a bit dysfunctional at times, but it's workable and everyone there is pretty open to and encourages giving/receiving feedback. I am going to text my boss right now! :wink:
by rosylenm
Wed Apr 19, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 14609

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

I worked at a place once where the CEO decided to "check-in" with each individual staff member to see "how things were going." She had not done this since her first year there (10+ years ago) and I am guessing she wanted to do it again because of a letter that was sent to the Board of Directors from...
by rosylenm
Wed Apr 12, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 55
Views: 5192

Re: Car Breaks Down on Long Road Trip

adamthesmythe wrote:Wouldn't happen to me, because I can't think of 5 other people I would be willing to take a long road trip with.



Indeed!!!
by rosylenm
Wed Apr 12, 2017 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 9931

Re: Extreme Frugality vs Living Life - Where do you draw the line?

The line keeps moving for me that is for sure. I have seen my oldest nephew off to college every year. Yeah, I am that crotchety "old" auntie who flies up north and then drives five very long hours east to his school, but I do it because I love that kid and want him to have what he needs/w...
by rosylenm
Sun Apr 09, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2729

Re: Trip Ideas - San Francisco & Northern CA

Don't know how far north you plan to go, but if you plan to go farther than Mendo County, you may want to check out Shelter Cove in Humboldt County.
by rosylenm
Thu Apr 06, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Another "Which IRA for Me?" Question!
Replies: 5
Views: 452

Re: Another "Which IRA for Me?" Question!

If you contributed at least $9,001 to your t401(k) in 2016, your contribution to a tIRA would be partially deductible (you'd have to file an amended tax return if you already filed for 2016). You can take partial deduction if MAGI is between $61,000 - $71,000.
by rosylenm
Wed Apr 05, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 3248

Re: Buying House with Odor (not cigarette)

The nose never lies.

Run and don't look back.

I signed a lease for an apartment while temperatures were cool and I had a cold. Come summer, I could smell the cat hoarder below me and the garbage cans.
by rosylenm
Tue Apr 04, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs for less...Has anyone done this....
Replies: 46
Views: 4151

Re: Switching Jobs for less...Has anyone done this....

I did that a couple of years ago. I let myself get burned out at my last job (I was working longer days than my boss and had to cover and/or supervise two other positions because no one else could cover and was setting my doctor's appointments on holidays on my days off because I couldn't take regul...
by rosylenm
Mon Apr 03, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27781

Re: Low-earners- What is your profession?

I just want to give OP some appreciation for making an insightful as well as refreshing thread. Some posters in this thread stated that they can retire at an early age (less than 50 yrs. old) even though they are categorized as low-income earners. How is this achievable? Is it simply living in the ...
by rosylenm
Mon Apr 03, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27781

Re: Low-earners- What is your profession?

This is a pretty humorous thread. Folks making just under $100K calling it "low-income"? Our family makes much less, and we aren't low income. Please change the title. The thread title came from the opposite thread I read earlier, where someone asked about professions making $100k or more...
by rosylenm
Mon Apr 03, 2017 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 27781

Re: Low-earners- What is your profession?

As a licensed attorney working for non-profits in a HCOL area, I never made more than $80k. I am currently inactive and no longer work in the legal field and I still make less than $80k doing administrative work. Two of the past few years, I earned about half of my typical salary and I learned the i...
by rosylenm
Sat Mar 25, 2017 2:02 am
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 22989

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

I don't eat fast food very often (maybe one every couple of months), but I do love In-n-Out's fries! They actually taste like potatoes unlike most fast food joints and I get to decide how much or how little salt is on them. I tried a 3x3 a couple of months ago (with onions) and it was sooooooo goooo...
by rosylenm
Fri Mar 24, 2017 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 4858

Re: Buy a house or wait in bay area

I'd recommend doing some things, if you haven't already: 1) Determine which schools your kids would go to (through all grade levels). There is quite a variety in North Fremont. 2) Save more so that you can cover more than three months' worth of expenses in case of an emergency. Since your wife's jo...
by rosylenm
Sat Mar 11, 2017 2:02 am
Forum: Personal Consumer Issues
Topic: Use cellphone tethering instead of home internet?
Replies: 24
Views: 3361

Re: Use cellphone tethering instead of home internet?

Our phone plan is with Boost Mobile. We pay close to $80/month (includes taxes) for two cell phones with "unlimited" data (throttled after 23 GB LTE; up to 8 GB per phone for wifi hotspot; video streaming is "optimized" [not sure what exactly that means]). We cut home internet co...
by rosylenm
Sun Feb 26, 2017 12:44 am
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 121
Views: 22359

Re: You know you're a Boglehead when ...

Your mom looks to you for advice about how to allocate/save her money. It was a proud moment for me. :beer
by rosylenm
Sat Feb 25, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 18740

Re: What is your overall portfolio weighted expense ratio

Mine is fairly high at 0.43%. :shock: I made some poor choices with my 403(b) last year (two funds with .96% and .8% ERs; I no longer invest in the .96% mutual fund).
by rosylenm
Sat Feb 25, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 33
Views: 2814

Re: Trip to Savannah GA

Yes, the rocking chairs at the airport are super fun.
by rosylenm
Sat Feb 25, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Trip to Savannah GA
Replies: 33
Views: 2814

Re: Trip to Savannah GA

Merced House! Tour guides do a great job of telling the history of the house. John Berendt's book--Midnight in the Garden of Good and Evil--recounts events that happened there. Fun walking area too, lots pretty houses and well planned streets.