Search found 109 matches

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: 46
Views: 2812

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: 205
Views: 21084

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: 1288

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: 2417

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: Netflix, Your Current Favorite Show
Replies: 556
Views: 61469

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: Netflix, Your Current Favorite Show
Replies: 556
Views: 61469

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: Netflix, Your Current Favorite Show
Replies: 556
Views: 61469

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: Netflix, Your Current Favorite Show
Replies: 556
Views: 61469

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: 1288

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: 376
Views: 39910

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: 74
Views: 5128

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: 66
Views: 7995

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: 146
Views: 9199

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: 5047

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: 5047

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: 17060

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: 1821
Views: 325027

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: 74
Views: 5128

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: 74
Views: 5128

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: 785
Views: 143839

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: 4690

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: 13956

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: 13956

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: 13956

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: 5332

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: 14
Views: 1423

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: 3388

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: 2208

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: 5143

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: 5143

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: 5143

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: 40766

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.
by rosylenm
Sun Jan 21, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 88
Views: 5989

Re: Post Your Morningstar Box Style

24...23...22
09...09...09
01...01...02
by rosylenm
Sat Jan 20, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5784

Re: Laughter is the Best Medicine - What makes you Laugh?

In my family, if you fell asleep in a shared space like the living room, you risked getting a hair gently poked up one of your nostrils. It was always funny when it wasn’t you.

These days, I do something similar to my SO and it makes me laugh every time. Him not so much.
by rosylenm
Sun Jan 14, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3189

Re: Any high-end skincare products worth it?

I used medium-end (?) Kiehl’s products for moisturizing, mainly creamy eye treatment and the face lotion with spf 30 for many years. I stopped for about a year because it seemed like a waste of money. After trying other products (Oil of Olay, Vanicream, Eucerin, CeraVe, etc.), I noticed my skin seem...
by rosylenm
Wed Jan 03, 2018 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: [How to determine budget for toys/luxuries?]
Replies: 41
Views: 2839

Re: How much to spend on toys?

daveydoo wrote:
Wed Jan 03, 2018 9:22 pm
EnjoyIt wrote:
Wed Jan 03, 2018 7:55 pm
...as simple as a $10k watch...
The low end starts pretty high here!
Indeed!

I did a lot of hand wringing when I spent $800 on three serigraphs.
by rosylenm
Tue Jan 02, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8611

Re: What non fiction book will you be reading in 2018?

The Sea Forager’s Guide to the Northern California Coast by Kirk Lombard
Went on a three-hour tour with author on New Year’s Eve (very educational)


Will rely on county library’s weekly book alerts for rest of 2018 reading list.
by rosylenm
Sun Dec 31, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 556
Views: 61469

Re: Netflix, Your Current Favorite Show

Just finished Travelers 2nd season. Very engaging if you are into time travel stories.

Just started Zoo where animals go cuckoo.
by rosylenm
Thu Dec 21, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 6002

Re: Who missed out on maximizing 401k?

I never max out my 401k and I don’t see a scenario anytime soon where I will. I’m a government employee so I have a lot of tax advantaged options and I use them all. I have a mandatory pension fund that I find with 6% of my salary, I always max out my Roth IRA, and HSA, a 401k and a 457k. The pensi...
by rosylenm
Wed Dec 20, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Grant Cardone suggests to set 9 exceptions for taxes
Replies: 18
Views: 2034

Re: Grant Cardone suggests to set 9 exceptions for taxes

This thread is now in the Personal Finance (Not Investing) forum (taxes). To keep this actionable, please describe your own situation. Also, stay within IRS guidelines (tax law). Wow, thanks guys. I guess I will start at 2 exemptions and see how it shakes out next year. Is there a simple calculatio...
by rosylenm
Tue Dec 19, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 9767

Re: How much do you spend on food per month, per person?

About $225/person per month for groceries and household supplies.

$275/person if you include eating out.

Two adults in VHCOL area.
by rosylenm
Mon Dec 18, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4598

Re: Lunch Ideas

<t>On the weekend,<br/> <br/> Make a pot of pinto beans, grate some cheddar, finely dice onions with your favorite hot sauce and stuff into a tortilla.<br/> <br/> Make infinite variations of savory oats (duck duck go it). Cook it in stock, throw in some kale, broccoli, cheddar and Parmesan (meat if ...
by rosylenm
Sun Dec 17, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 9865

Re: Best 401k Employer Match Structure

Best employer contributed 5.5% of salary monthly regardless of employee’s contribution and vested immediately.
by rosylenm
Tue Dec 12, 2017 1:16 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 83
Views: 7406

Re: Ancestry / 23andMe

As long as you are not Southeast Asian, it’s probably fine. My results were pretty much useless.
by rosylenm
Fri Dec 08, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 4228

Re: Please suggest a dry hands product

Bag balm and gloves overnight works well with slightly medicinal odor.

Vanicream also works pretty well too, a little greasy but keeps skin moist.
by rosylenm
Thu Dec 07, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6327

Re: It's that time of year again... buying christmas gifts

You could tell people that in lieu of Christmas gifts, you will donate an amount to the charity of their choice. That's my default, not just for Christmas, but for many other events. People seem quite happy to do this. The Human Fund does great work. Ha Ha. Obviously a Seinfeld fan. Me too! :beer 1...
by rosylenm
Fri Dec 01, 2017 1:59 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- November
Replies: 6
Views: 961

Re: BOGLEHEAD CONTEST -- November

There is one more month to go.

There is no predicting where the market will go.

:happy
by rosylenm
Sun Nov 26, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 10241

Re: What did you do right?

I married the right woman!!! Ditto. Before I met her, I was a financial wreck (as well as a dating disaster, but that's another story :wink: ). She helped me see the error of my ways. And of course, she's been supportive of my career and is a great partner in life. The other thing that I absolutely...
by rosylenm
Thu Nov 16, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5882

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...