Search found 29 matches

by jester14
Wed Oct 03, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3927

Re: Black suit with dark brown shoes?

Maybe you could pull it off, but that's not something I would feel comfortable wearing. Then again, if I'm not comfortable with what I'm wearing, I'm uncomfortable in general, but it sounds like that might not be the case for you? Take the black shoes and keep it simple. Less is more. Unless you hav...
by jester14
Sun Sep 09, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bored
Replies: 56
Views: 9506

Re: Bored

A few suggestions - some may be slightly outside of personal finance, but close enough. I hope they are helpful! +1 for looking into an IRA Have you considered and learned about hsa's? Do you have a taxable account set up and your entire portfolio optimized as best you can for tax efficiency? Have y...
by jester14
Thu Aug 02, 2018 11:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Salt Lake City Bogleheads
Replies: 57
Views: 9640

Re: Salt Lake City Bogleheads

Mountain Doc wrote:
Thu Aug 02, 2018 10:16 pm
I guess I missed this thread previously. I would be interested in joining if we can get a SLC group together.
Agreed. Always looking to meet new people to share and gain different perspectives.
by jester14
Mon Jul 09, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 4004

Re: Whole Foods -- any drop in prices after Amazon takeover ?

I personally haven't seen much in savings. We go to WF and Trader Joe's both 1-2 times a week. After scanning the app, we save 40 cents here, 70 cents there. Not a big deal at all. Then again, we're not buying the rotisserie chicken and most of the sale stuff hasn't been that great. The organic rasp...
by jester14
Mon Jul 09, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3663

Re: Any kayakers here?

Not a kayaker yet, but want to be. I've had my eye on some sit on top fishing kayaks for a while. I want one that I could stand up on.

Jester
by jester14
Mon Jul 09, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5763

Re: Should I take a $60k paycut to work 4days/week

I don't have kids, but that's a lot of money.

What about splitting the difference - keep the current gig, but take a good chunk of PTO on Fridays?

Jester
by jester14
Sun Jul 08, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5478

Re: Every Other Friday Off

ClevrChico wrote:
Sun Jul 08, 2018 12:15 pm
I love three day weekends! I just use PTO to take a lot of them. :happy
Another viable strategy! I'm currently doing the same, but we'll see once this new schedule rolls out.
by jester14
Sun Jul 08, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Order - EE Bonds
Replies: 7
Views: 1036

Re: Investment Order - EE Bonds

mcraepat9, Answers: -2k a month is my current spending level. I anticipate that to increase over time, particularly with the health insurance costs at 50. I think the point you are trying to illustrate is to have a rock solid feel of monthly and yearly expenses to determine a FIRE number. Once that ...
by jester14
Sun Jul 08, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Order - EE Bonds
Replies: 7
Views: 1036

Re: Investment Order - EE Bonds

mcraepat9, First and foremost, thank you for being a second set of eyes. I have some additional responses below. -I've spent some time in firecalc, but I should probably give it another pass. My current level of spending is approximately ~2K a month. Any leftover goes into taxable after maxing 401k,...
by jester14
Sun Jul 08, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5478

Re: Every Other Friday Off

reading this in the midst of a 36 hour shift as a hospitalist and reading that a 9 hour shift is mentally exhausting... should have stayed in business over healthcare... Even a 12 hour day is nothing compared to a 36 hour shift. The healthcare industry can be brutal. I hope you are able to get some...
by jester14
Sun Jul 08, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Investment Order - EE Bonds
Replies: 7
Views: 1036

Re: Investment Order - EE Bonds

Hi Mcraepat9, Thanks for your response. i was trying to keep the post short but left I think i may have left out too many details, as indicated by your questions. Please see answers below - I did not quote them as the post would end up rather long again. Details: -All tax advantaged space has been m...
by jester14
Sat Jul 07, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Order - EE Bonds
Replies: 7
Views: 1036

Investment Order - EE Bonds

Howdy Boglehead folks, I've been reading a lot about EE bonds. I am particularly interested in Mel's approach of essentially creating an annuity. https://www.google.com/amp/s/www.forbes.com/sites/thebogleheadsview/2013/03/01/build-your-own-annuity/amp/ I can't quite seem to find a standard answer fo...
by jester14
Sat Jul 07, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5478

Re: Every Other Friday Off

CRC301 wrote:
Sat Jul 07, 2018 2:22 pm

[*] If I have nothing to do on the day off and don't feel like being bored at home, I'll go into work and get paid the OT $$
[/list]
That is awesome. I would totally do that here and there for some extra cash. Unfortunately, that is not an option for me.
by jester14
Sat Jul 07, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5478

Re: Every Other Friday Off

I found that I was so worn out by Thursday evening that I slept in till noon on Friday and got very little done the rest of the day. Kinda defeated the purpose of getting that day off from work... I find the sleep portion to be tough too. I'm always permanently tired so I'm trying to fix that as we...
by jester14
Fri Jul 06, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5478

Re: Every Other Friday Off

This thread received so many replies it would be inefficient for me to quote them all. A did notice a few reoccuring themes so I'll try to address them here. Thank you everyone for your perspectives! We don't have kids, so that's not a worry for us right now. I can definitely see how that might comp...
by jester14
Fri Jul 06, 2018 6:55 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5478

Re: Every Other Friday Off

Thanks for the replies so far, I'm curious to see if any others respond. I'm glad to hear that it's a helpful schedule for most. It sounds like most use it for fun or for catching up on a few things. I guess I shouldn't feel guilty doing the same! After thinking about this some more, I think what wi...
by jester14
Thu Jul 05, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5478

Every Other Friday Off

Howdy, fellow bogleheads. My employer is most likely switching to a 9/80 schedule, in which we work 80 hours in aggregate every two weeks, but get every other Friday off. I am extremely excited for this for a multitude of reasons. Has anyone else had this schedule before? How did you like it? If you...
by jester14
Thu Jul 05, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9820

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

29, still working. Typically 5am. I'm currently in a snooze rut that I'm trying to break through. That's seriously the hardest thing for me. My diet is pretty clean and I could always exercise more, but I think it's just a perpetual sleep shortage. Trying to do better here for my overall health. Jes...
by jester14
Thu Jul 05, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement advice for a 25 yr old
Replies: 29
Views: 2719

Re: Retirement advice for a 25 yr old

I started out my career 2 years later than I wanted at 23. The market was good in 2012 so I hoarded money to buy a house (similar situation). Now, 6 years later, I did not buy a house because my employer was volatile at times and I wasn't sure if I wanted to live where I do now long term. I am most ...
by jester14
Tue Jul 03, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 20
Views: 1465

Re: Dallas Trip

If you end up at a Ranger's game, buy tickets on the FIRST BASE side of the stadium. Third base/left field and you will be roasting! Absolutely this. I roasted on the third base side until the sun went down over the top of the stadium. Once it did, it was great with a light breeze. If you go, be sur...
by jester14
Thu Jun 28, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Professional Development
Replies: 8
Views: 1079

Re: Professional Development

I can't speak for the LinkedIn piece, but, I've found that listening to top selling, non fiction business books while commuting have increased my learning significantly. While not a formal class, it's just another way to continue development. Extreme Ownership has been my favorite so far - great pri...
by jester14
Sat Jun 16, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: 25 Y/O Seeking Opinions
Replies: 22
Views: 1428

Re: 25 Y/O Seeking Opinions

Hey Blaze93, I was in a similar boat so I wanted to comment here. You are asking the right questions on how to be more efficient with what you have - I think this is a third of the battle. The other two thirds comes down to maximizing your income. I know that's not directly your question, but it's w...
by jester14
Thu May 31, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum to Spend on Rent
Replies: 9
Views: 1143

Re: Maximum to Spend on Rent

I'd say go as cheap as you can stand, without compromising safety. I spent too much on rent several years ago and I regret it - my portfolio could be larger right now. You and I are in essentially the same shoes in terms of salary, etc. If you want a nice place, you could always go the roommate rout...
by jester14
Sat May 19, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 13373

Re: Helping Adult Children (but not too much)

I really like the vacation piece. I don't have kids yet, but I do remember when I was fresh out of school making $8 an hour because I couldn't find a "real" job yet. My parents lived in a rural area two states away and it would routinely cost $500+ to fly home. I remember them covering that ticket f...
by jester14
Thu Jul 20, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Feedback on AA and Tax Efficiency
Replies: 6
Views: 654

Re: Seeking Feedback on AA and Tax Efficiency

Thanks again for the replies. Things have been busy, but I will post back when I can. I have more research to do. I will take a look at #4 and review the math. I also went to the presentation on our company's new precious metals program and found out more details. Looks rather expensive, and I now u...
by jester14
Mon Jul 17, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Feedback on AA and Tax Efficiency
Replies: 6
Views: 654

Re: Seeking Feedback on AA and Tax Efficiency

jester14 wrote: 1. Am I taking the right actions? 2. Is my asset allocation reasonable given my situation and goals? 3. Is my tax efficiency ok? 4. Is my bond strategy ok – half in 401k, half munis in taxable given fees and interest rate risk? 5. Is a slice of REIT appropriate, our just further com...
by jester14
Mon Jul 17, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Feedback on AA and Tax Efficiency
Replies: 6
Views: 654

Re: Seeking Feedback on AA and Tax Efficiency

Hi all,

Did I miss something? I see people are stopping by but not responding. Would it be helpful to break things out differently? Shorten the post?

I am new here and would love any feedback you may have.
by jester14
Sun Jul 16, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Feedback on AA and Tax Efficiency
Replies: 6
Views: 654

Seeking Feedback on AA and Tax Efficiency

Warning – 1st time poster: fairly long post regarding asset allocation and tax efficiency. I apologize if I missed anything reading the sticky – I omitted some information for relevancy and to hopefully shorten this post. I am almost 29 and aiming to reach financial independence as soon as possible...