Search found 75 matches

by rosylenm
Sun Jan 14, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 2864

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: 2676

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: 127
Views: 7514

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: 285
Views: 32753

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: 5689

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: 1829

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: 8973

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: 4346

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: 114
Views: 8988

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: 79
Views: 6205

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: 3740

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: 6008

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: 920

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: 9702

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: 5368

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: 2717

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: 1848

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: 16271

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: 16271

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: 10482

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: 12738

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: 9545

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: 6376

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: 18253

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: 1019

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: 4550

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: 7789

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: 3493

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: 4131

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: 4131

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: 4131

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: 4140

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: 5194

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: 3879

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: 4803

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: 4803

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: 3689

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: 15003

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: 15003

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: 15003

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: 1407

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: 4141

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: 2919

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: 6722

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: 15003

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: 15003

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: 5384

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!!!