Search found 100 matches

by Soul.in.Progress
Thu Nov 15, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6814

Re: Are you all staying the course?

Yup. Staying the course.

It’s a Boglehead ”secret of success” “key to success.”
by Soul.in.Progress
Thu Oct 18, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 19
Views: 2280

Re: Temporary Credit Freeze Lift and non-required PINs - no security

Thanks for posting, OP. This is indeed troubling. I guess the actionable learning for me is that I need to create accounts for all of them with secure passwords. To date I have always used my PIN on the phone or website for the credit agencies.
by Soul.in.Progress
Tue Oct 16, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 5061

Re: Kids not interested in money / allowance

None of them has any interest in money. This will change. +1 In my experience, they understand money much better in teen years because that’s when they have more needs for money. You might be pushing the “interest in money” cart uphill now, but in a few years you might be trying to stop the cart fr...
by Soul.in.Progress
Tue Oct 09, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Allocation
Replies: 24
Views: 2934

Re: Early Retirement Allocation

I am retired and there is no way in the world that I would use that 40% stocks and 60% bonds portfolio. I don't know why livesoft would say this... 40/60 seems pretty reasonable in retirement. I mean, he might disagree, but I'm surprised he disagrees so vehemently. Especially since he's basically 6...
by Soul.in.Progress
Fri Oct 05, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: 47yo funded college, paid house, maxed retirement...now what?
Replies: 22
Views: 2801

Re: 47yo funded college, paid house, maxed retirement...now what?

You’ve done great. When we got to that stage, we kept investing money into both tax-advantaged as well as taxable, but we let off the pedal instead of being aggressive about it. At the same time, we increased giving to others, the types of vacations, increased work-life balance when possible, and so...
by Soul.in.Progress
Fri Oct 05, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3839

Re: Tackling Disney World - Discount on tickets?

At the ages of 3 and 6, the Magic Kingdom park can truly be magical for kids, even if you do just one or two days just in that specific park. You can go at their (the kids) pace and really have a nice time, that’s what we did. At that age, our kids loved their character signature books and didn’t mi...
by Soul.in.Progress
Sat Sep 22, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7603

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

My opinion is No, you shouldn’t. No way would we have done this, especially at those interest rates. Instead, we maximized pretax retirement space, as stated perfectly by afan: Each year that you fail to put the maximum into retirement you lose that chance forever. You cannot go back and put in extr...
by Soul.in.Progress
Sun Sep 16, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13158

Re: Considering Quitting Job - Seeking Advice. Would you do it?

OP, your post is very well written and highly resonated with me. To answer your subject question, yes I would quit. Or alternatively, if I desired health benefits through an employer instead of through the ACA, I would seek a different position within the same company or switch employers or find a p...
by Soul.in.Progress
Mon Jul 02, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 8683

Re: What % of your equity is int’l?

I allocate 20% of equities to total international stocks.
by Soul.in.Progress
Tue Jun 26, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 6236

Re: Timing exit from megacorp

Absolutely do the "most selfish" thing. You're not breaking any rules. Just acting intelligently. It's business, after all. This ^ is what I did and would recommend. The megacorp I was at had different dates, but I had the same types of compensation. In fact, not only did I wait until the annual tr...
by Soul.in.Progress
Sun Jun 24, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3435

Re: Compliments for Vanguard?

Thank you celia for your wonderful idea to start this thread! Ive been a Vanguard customer for a long time and have been a happy customer overall, with no major issues. This year, I had an intricate issue (nothing panic-worthy), and their service was steadfast and kind through it all. At the end of ...
by Soul.in.Progress
Thu Jun 14, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 49
Views: 3586

Re: Question for those who used 529 plans

We started 529 plans for each of our children before they turned age 1. We mega-funded it in the beginning, knowing that we didn’t need the money for our other expenses. We figured we’d see how the money grew. Over the years we added a little bit more but the bulk of principal was from our initial i...
by Soul.in.Progress
Tue Jun 05, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: First time Segway tour question
Replies: 14
Views: 1119

Re: First time Segway tour question

Thank you so much for the responses, useful and informative! I did not know about the company owner, wow. It is a city outside of the US, and the tour operator already confirmed that our kids ages and weights are allowed—because that was a concern of mine, based on other areas of the internet that I...
by Soul.in.Progress
Tue Jun 05, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: First time Segway tour question
Replies: 14
Views: 1119

First time Segway tour question

Hi all! We’ve never been on a Segway tour, but we’re planning to do one this summer. We have pre-teens and teens and middle-aged adults. My question is not related to how much time is needed to “see sights” in the city that we might do this tour in, therefore the city is irrelevant to my question. T...
by Soul.in.Progress
Thu Apr 12, 2018 6:55 am
Forum: Investing - Help with Personal Investments
Topic: “Fund bucket” for new car?
Replies: 14
Views: 1440

Re: “Fund bucket” for new car?

Money is fungible, so having actual physical separate accounts is just an arbitrary way of bookkeeping. If you like to do it that way no problem, but nothing says you have to. If that's how you roll, then have an emergency fund account, a house savings account, and a car replacement account. We jus...
by Soul.in.Progress
Tue Mar 27, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Nice tax problem to have – Please Advise
Replies: 14
Views: 3012

Re: Nice tax problem to have – Please Advise

For this situation, I used to have extra withholding held (by my employer) from every paycheck.
by Soul.in.Progress
Sat Mar 24, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: WWYD? Trade Honda CR-V for Lexus RX350?
Replies: 32
Views: 2933

Re: WWYD? Trade Honda CR-V for Lexus RX350?

WWID? I’d trade up to the Lexus. And I’m not even much of a car person, but I’d still make this choice :D Enjoy!
by Soul.in.Progress
Sat Mar 17, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 19096

Re: Bought house six months ago - now feeling like we're treading water and can't save money

OP, may I ask why you are putting so much more into Roth rather than 401k?

Also, for clarification, are you saving $300 (401k) + $916 (Roth) + 195 (other) each month? So total monthly savings is about $1400?
by Soul.in.Progress
Sat Mar 10, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Is near FI + Employment almost as good as Retirement?
Replies: 39
Views: 4859

Re: Is near FI + Employment almost as good as Retirement?

I can only tell you my story ... I had sort of made an 'academic hobby' of retirement planning for many years. In late 2012 I had an idea that I'd probably retire in a few years. I thought over that Christmas break, just for kicks, I'd put a little finer point on the planning. The first thing I tho...
by Soul.in.Progress
Fri Mar 09, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 94
Views: 14567

Re: Sharonview FCU 64 month CD - 4%

This is great!!!! I’ve been waiting for something like this. Thank you, OP!
by Soul.in.Progress
Fri Mar 09, 2018 7:58 am
Forum: Investing - Theory, News & General
Topic: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?
Replies: 80
Views: 15385

Re: Does Anyone Invest In Berkshire Hathaway Instead Of Index Funds?

We do not, mainly for just keeping things simple and on cruise control. Index funds are good enough for me.
by Soul.in.Progress
Wed Mar 07, 2018 8:16 am
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 30352

Re: 2018 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Darn! Yesterday was a doozy of a day and while I normally would have seen this, I guess it just wasn’t in the stars for me. Didn’t see it until now.

If there ends up being a waitlist, please add me to it. Thank you!

x
by Soul.in.Progress
Wed Feb 28, 2018 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks to buy index funds?
Replies: 45
Views: 4384

Re: Sell individual stocks to buy index funds?

Personally, I would sell all of them at once and get it over with. Like another poster said, it’s like ripping off a bandaid. Then put it all into the total stock market index or a fund of funds like Life strategy, matching your desired asset allocation. You’re so young, it is worth not having to ha...
by Soul.in.Progress
Tue Feb 27, 2018 8:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 6221

Re: Nisiprius at 35,000 posts

I join all the others in thanking you, Nisi!

Your well-written, educational posts have taught me so much over the years.

Thank you.
by Soul.in.Progress
Thu Feb 15, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 8156

Re: I didn't tax-loss harvest this month, did you?

Yes, I did TLH. But only in a tax exempt bond fund, because my equities in taxable had no losses.
by Soul.in.Progress
Wed Feb 14, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Deciding Between Treasuries and Munis in Taxable
Replies: 15
Views: 2332

Re: Deciding Between Treasuries and Munis in Taxable

Are there any other reasons why having an increased AGI (due to the interest on the Treasuries) might be undesirable? For example, not being able to make a Roth contribution. That's one thing that isn't accounted for in the equivalent yields math. I’m wondering about this ^ question raised by baw70...
by Soul.in.Progress
Thu Feb 08, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: what to do with patent plaques and other work awards?
Replies: 45
Views: 3432

Re: what to do with patent plaques and other work awards?

Donate some to a museum in your field. They can be inspiring to children. My children have liked to look at the plaques from time to time. I don’t know how long they will do so, but it’s true.
by Soul.in.Progress
Thu Feb 08, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 6496

Re: What time do you go to work?

Not sure what this thread is supposed to accomplish. Each post will increment your post count by 1. Someone who is retired will brag that they don't have to work. Someone who is retired will brag that they get up even earlier now, but it's to do awesomer stuff. Early birds will establish their supe...
by Soul.in.Progress
Wed Jan 17, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Is it reasonable to try to time the I-Bond market?
Replies: 13
Views: 1510

Re: Is it reasonable to try to time the I-Bond market?

You might get the better rate by timing it, but then you have money out of market (or in something that might lose money) while you are waiting. Over the long haul, do you really care how much your $10k earned during the first 3 months or 6 months? I do think it's worth it to wait if the fixed rate...
by Soul.in.Progress
Fri Jan 12, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Contributed to Roth, meant to do IRA
Replies: 7
Views: 621

Re: Contributed to Roth, meant to do IRA

Hi OP,

I also accidentally did this exact same thing the other day! :oops: I simply got on the phone with vanguard and was able to get it fixed (via a a recharacterization from Roth to traditional). It all went pretty smoothly; I hope it goes the same for you!
by Soul.in.Progress
Mon Jan 08, 2018 8:55 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 13998

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I believe these threads have value as encouragement, and proof that wealth achievement through principles is possible. It’s also an accomplishment for most (windfall recipients who hadn’t earned or saved any money on their own would be an exception). This accomplishment is positive but can’t be shar...
by Soul.in.Progress
Sat Dec 16, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Two commas, I'm calling it
Replies: 20
Views: 5060

Re: Two commas, I'm calling it

Happy for you, OP!

And thanks for sharing the details of your experience, I always find individual experiences interesting :beer
by Soul.in.Progress
Sat Dec 16, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Apple Watch - which case for my wife?
Replies: 7
Views: 675

Re: Apple Watch - which case for my wife?

Hi there, I’m a female and I chose the stainless steel case with gray band. I love it because it goes with every outfit without clashing. And I had the same opinion you did on the black, it felt too masculine for my taste. FWIW, several females I know also have the stainless steel case with gray ban...
by Soul.in.Progress
Fri Dec 15, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Hit a milestone today; starting to see impact of compounding over time
Replies: 11
Views: 2395

Re: Hit a milestone today; starting to see impact of compounding over time

Fantastic!

I agree that your mindset is great for your goals, and it’s good that you found a like-minded significant other. Keep up the great work :D
by Soul.in.Progress
Fri Dec 15, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 4201

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

In the prior years, we have done it in January sometime. Now we are FIRE so not sure of 2018 strategy yet for IRA.
by Soul.in.Progress
Wed Dec 13, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 13066

Re: How much did you contribute to your 401k in 2017?

Both my spouse and I contributed the max to our 401k. We are both 46. Both of also received (just like in past years) a large amount in employer contribution to our 401k’s on top of the money we contributed ourselves.
by Soul.in.Progress
Wed Dec 13, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 6633

Re: Can we afford to live on one income?

OP, I agree with others that you can do it, especially since it aligns with what you and your wife want. It may feel tight at times because, in our experience, we have seen expenses grow much higher than we thought with kids. Also, I don’t see any mention in this thread (unless I missed it) about co...
by Soul.in.Progress
Sat Dec 09, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 12842

Re: Retire in my early 40s? Crazy or actually doable?

I support your choice. Of course I’m biased because I did ER this year and have loved every minute of it :D

Enjoy what you’ve worked and saved for!
by Soul.in.Progress
Fri Dec 08, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 111
Views: 10320

Re: Quit jobs to gain lower EFC

OP,

Do you have any investment money outside of retirement accounts? In other words, do you have any investment money in taxable accounts or CDs, etc? If not, will you live solely off the pension money in your 50’s and until Medicare?
by Soul.in.Progress
Tue Nov 21, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 74
Views: 10689

Re: Beware Amazon Price Gouging

Thanks for the warning, Alexa9.

When I read your post I found it kind of ironic that ‘Alexa’ was warning customers about Amazon :mrgreen:
by Soul.in.Progress
Tue Nov 21, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 7476

Re: Uber for someone who knows only taxis

Also, to the poster who asked why you have to verify the car, there have been news stories of drivers who have “posed” as Uber drivers in Uber-frequented areas (think outside a night club in wee hours of the night), hoping to pick up inebriated females. One such case, IIRC, involved a female who was...
by Soul.in.Progress
Tue Nov 21, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 7476

Re: Uber for someone who knows only taxis

Nisi, I have used Uber both domestically (in the US) and internationally. Super convenient app, and the model is a brilliant use of today’s technologies. Have never used Lyft but intend to get that app too. Some additional things to offer that I didn’t see mentioned previously in this thread: If you...
by Soul.in.Progress
Tue Nov 21, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1414

Re: Daycare Parting Gift

I vote no. If you truly appreciate the care they provided for your child, then give them something that they would appreciate or make them happy, not something that would make you happy.
by Soul.in.Progress
Sun Nov 19, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Can anyone help me with details on Portland Oregon Trip?
Replies: 14
Views: 902

Re: Can anyone help me with details on Portland Oregon Trip?

OP here. Thank you all for the feedback!! They are exactly the insights I was seeking :) We will take these suggestions into account for sure, and will adjust accordingly. And I continue to welcome additional comments. stlutz, we are not from a landlocked state; we have both the coast and mountains ...
by Soul.in.Progress
Sun Nov 19, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 7656

Re: How much do you budget for vacation?

I always like this topic, because vacations are fun to talk about! Here are some prior threads that are similar: https://www.bogleheads.org/forum/viewtopic.php?t=207442 https://www.bogleheads.org/forum/viewtopic.php?t=153028 https://www.bogleheads.org/forum/viewtopic.php?t=84827 https://www.boglehea...
by Soul.in.Progress
Sun Nov 19, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Can anyone help me with details on Portland Oregon Trip?
Replies: 14
Views: 902

Can anyone help me with details on Portland Oregon Trip?

Hi all, I’ve read some prior posts on Portland Oregon, but am racking my brain trying to plan a trip that will work for us. Other posts seemed to have different needs/goals. Would love any help!! We’ve never been to Oregon, and although it seems like one needs way more than a week to enjoy western O...
by Soul.in.Progress
Thu Nov 16, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 43012

Re: Did you tell anyone you paid off your mortgage?

I am in the camp of not telling anyone except posting here. In my experience, anything that makes someone feel “less” than you has the potential to trigger insecurities (if they have them), or possibly jealousy, or as others have stated, biased expectations for monetary loans, gifts, picking up the ...
by Soul.in.Progress
Mon Nov 06, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 19439

Re: What was the main reason you retired?

Today is my first day of retirement :). Reasons are below: My primary reasons : 1) Hit your number , 5) Wanted to pursue a hobby (my “hobby” involves a social/community service goal that I have) 9) Felt there were things you wanted to do before you got too old (a family member’s health issue helped ...
by Soul.in.Progress
Mon Nov 06, 2017 10:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 58952

Re: Roll Call for the Retirement Class of 2017!

Well, I guess the day is here, it hasn’t completely sunk in yet....! I gave my notice over two weeks ago at megacorp, and after 25 years of service (at the same company), I have actually retired! Today is my first non-working day :). Admittedly, it feels a bit strange, but I think I’ll have no probl...