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Seems about right, you are not just paying for their actual time with you, but also their availability as an urgent care clinic. There are days few people show up, they get paid those days also. I would look at an itemized bill, no way you can judge without that, but doesn't seem crazy to me for an ...

Whole life insurance sounded like a good idea all the way up and until I closed the account. The force of the sales pitch, the way we want so bad to believe our past actions were right, the complicated nature of the investment, it's all part of the reason it remains a popular money making pitch by a...

As others have said, your numbers should be more than reasonable to FIRE in the general timeline you are hoping for. If you are not purchasing individual stocks for the enjoyment and personal satisfaction of it, I would just do funds, you are unlikely to beat the market and you are likely to add str...

As with all things, it's a judgement call. I have a pension, but I also max out my 403b, and I recommend you do the same. You can't go back in time and get that option back if you skip it. And you can't get that growth back. You don't discuss your situation and your goals, so maybe you know things t...

I use my road bike on a Kicker Snap trainer connected to an app called Rouvy. It has video of the course so you can watch the scenery, but more importantly it can be set up for "races" that my friends and I can all join. Then we see each other as dots on the map, and when close to each oth...

I am 100% stocks in my retirement accounts (just under 1M value before CV crash), but I happened to have $12,000 cash at Vanguard outside of retirement accounts waiting for an opportunity. I purchased Amazon at a little under $1,700 with that, just to get it in the market, which has done really well...

I have volunteered in many capacities, from being president on multiple boards to just showing up on trail days for our local mountain bike trails to providing anesthesia on medical trips. I'll give some thoughts. If it's an "official" job, take it for a limited time period. For example, s...

It is sloppy. Nobody can predict whether it will have issues in time, but you did not get what you paid for, a proper valley. My guess is that either a new hire did that, or something slipped while going down the valley and it got crooked. Either way it's obvious it isn't right and they should make ...

Dear Bogleheads, I feel like for the amount we spend we should be living in luxury. You ARE living in luxury. I am at about half your spending and I am living in luxury. If it doesn't feel like luxury that is a perception problem, not an actual problem. I have no doubt you can cut, and I believe li...

Age 46 I am 100% stocks in the assets I control, but that is deceptive because my current job provides a pension. So as my pension builds and becomes a larger part of my retirement plan, it has the function of balancing my portfolio in my mind. I do not mind dips or crashes, and have never sold base...

These stories are not worth reading. There is always a "gotcha". The Target Date fund they used had an Expense Ratio of .78%. My Target Date fund is .06% and is much easier to stuff compared to the 7-8 funds I would need to replicate a total market approach and try to keep "in balanc...

Perhaps some of you can enlighten me as to what I am missing. A good friend of mine just purchased a $10,000 bed. A Temperpedic "California King" bed, which is actually two beds, side by side. With all of the adjustable bells and whistles. I'll spend up for a good car (Lexus)...although t...

I think the reason they are "cheap" right now is exactly because of all you said. The possibility that it is actually cheap and not just cheap on paper is a reason to buy. The possibility not enough of those markets will show growth is a reason to avoid a large percentage of your assets in...

Yes, can accurately verify $15,000 annual expenses in VHCOL area. You do realize that VHCOL stands for Very High Cost Of Living? He said VHCOL area, which doesn't mean he is paying VHCOL. What matters is that if his living condition or job changes, his COL might inflate greatly because of where he ...

Here is a weird one... My wife and I bought tickets to Haiti to visit an orphanage we supported. An hour after we arrived the big earthquake hit. The next few days started a re-evaluation of our entire lives, sort of like a mid life crisis on steroids. We ended up cutting a ton of junk expenses, lef...

I'm not sure what flushing the tank and a new anode rod is going to due to quiet the heating of the tank... If the heating element is making a lot of noise, then that should probably be replaced or serviced. Ig you are selling in a year, then a new hot water heater might help, even if just a basic c...

I have been 100% stocks for a long time now. I don't feel like rebalancing, and am comfortable with market corrections and changes, I won't need the money for a long time anyway. I don't expect to time the market, I have no idea when the bottom is, when the top is, or anything in the middle. Keeping...

I was in PAP Haiti during the big earthquake, so I've been in the disaster situation. It took $600 cash to get on a flight to DR, not exactly a bribe, but it felt that way. Without the cash we would have been there more than two days, but would have been fine. I keep a couple thousand in the safe on...

Ask questions and let him talk. People want to be heard, so start there. Ask what his goals are. Ask how much his savings will add up to over time. Just seek to draw him out into conversation without any real agenda. Answer questions as they come up, but not before. If he doesn't ask, then keep aski...

There are two parts to your question. Should up upgrade early, and will you get a better price. You are very very unlikely to get enough of a better price to counteract the high likelihood your fridge will last quite a while longer. Your fridge might break down next week and you might spend a bit mo...

I am fairly knowledgeable about finances overall, I am happy with the asset allocations of my investments, my 403b is maxed, I am over the cap for typical Roth. I currently have a Vanguard taxable investment account for my extra saving beyond my emergency funds. Married, my wife just started a part ...