Search found 28 matches

by LookingtogetFIRE'd
Fri Apr 20, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Do Apple products need Norton anti Virus?
Replies: 12
Views: 1236

Re: Do Apple products need Norton anti Virus?

Related but different issue - more and more I've been running into those hidden malware links on regular commercial websites that are embedded within a legit link or picture (I'm sure there's a fancy name for them that I don't know). Any thoughts on how to avoid those or spot them?
by LookingtogetFIRE'd
Mon Feb 05, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18287

Re: Vanguard site is crashed now?

miamivice wrote:
Mon Feb 05, 2018 4:07 pm
Hmm, it's almost like something remarkable happened today and everyone wants to log in right now.
I just laughed out loud at this.

I just sent a few texts to friends and family to remind them not to panic and not to sell.

I'm also locked out of Vanguard btw.
by LookingtogetFIRE'd
Thu Dec 28, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5455

Re: A Year of Extreme Frugality

Mine's imaginatively called "Best Budget," so good luck Googling for reviews. It's not one of the big players, and there may be a reason for that, but it works for me. I prefer running a budget off my phone because I already spend too much time on my computer and in spreadsheets; I have a pleasant ...
by LookingtogetFIRE'd
Thu Dec 28, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5455

Re: A Year of Extreme Frugality

OP here- some folks have asked why I want to do this. In the next few years, my family and I will either need to sink six figures or more to make necessary repairs / maintenance to our house, or move. I live in an old house in a VERY HCOL area. To pay for the work or the move, we can either finance ...
by LookingtogetFIRE'd
Thu Dec 28, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5455

Re: A Year of Extreme Frugality

Follow a plan: - Keep track of your expenses for a month. - Be precise. if you give $1 cash tip at a bar, note it in your log. - Organize your expenses by categories. - In an alert analytical state of mind review your normal pattern of expenses and decide which ones you want to cut. - Create a stra...
by LookingtogetFIRE'd
Thu Dec 28, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5455

Re: A Year of Extreme Frugality

I still think it's a tough question--a lot of people's "short period of mass saving" is other people's adult life standard. However, the areas I see people have the most frequent ability to cut back easily are food and drink (dinner out, bought lunches, etc.), phone plans, internet/cable, and gym m...
by LookingtogetFIRE'd
Thu Dec 28, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5455

Re: A Year of Extreme Frugality

OP, Assume you have found the Mr Money Mustache Forum? https://forum.mrmoneymustache.com/index.php My experience is that you will find more radical savers and tips there than here. Good Luck, :beer Thanks - I have seen MMM, but I find the forum discussions here to be more engaging. I probably shoul...
by LookingtogetFIRE'd
Thu Dec 28, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 5455

A Year of Extreme Frugality

Am thinking about embarking on a year of extreme frugality in order to help save for some big picture expenses coming up. Curious whether anyone here has done the same (for a year or more) and if so: What was your experience? How much did you save? What life hacks did you discover to save money? Any...
by LookingtogetFIRE'd
Tue Dec 26, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47663

Re: What frugal thing did you do today?

Over the last week I have given away several books to my local library and several items around my house to members of my community on my local community sharing page on Facebook. How is this frugal? I may not be saving money, but I am saving someone else money! Also went to Papyrus today where they...
by LookingtogetFIRE'd
Tue Dec 26, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 89
Views: 81828

Re: What happens when car accident claim exceeds insurance limits?

Typically, your insurance will not pay any of the $5,000 unless they first secure a release as they cannot pay the amount of the damages in full. The release would protect you. The way I’ve seen this work, it is best if the other person carries collision coverage. Their insurance pays the claim, yo...
by LookingtogetFIRE'd
Tue Dec 19, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 93
Views: 13536

Re: Help Me Cash Out My Bitcoin!

I think you're going to have a hard time cashing it out any time soon:

http://money.cnn.com/2017/12/19/investi ... index.html
by LookingtogetFIRE'd
Thu Dec 14, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Vanguard through TIAA-CREF
Replies: 41
Views: 4203

Re: Investing in Vanguard through TIAA-CREF

Hello, I'm a newbie in the world of investments. I've had either a 401(k) or a 403(b) (currently) for more than a decade, but never took the trouble to learn about finance. Now I'm learning, and I'm surprised and a bit shocked at some of the things I'm finding out! Right now, I work in higher educa...
by LookingtogetFIRE'd
Thu Dec 14, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 or 2008 redux
Replies: 6
Views: 776

2018 or 2008 redux

According to Desmond Lachman, we may imminently see another round of 2008 style bubble bursts: https://www.nytimes.com/2017/12/13/opinion/economy-bubble-recession.html?action=click&pgtype=Homepage&clickSource=story-heading&module=opinion-c-col-left-region®ion=opinion-c-col-left-region&WT.nav=opin...
by LookingtogetFIRE'd
Tue Nov 21, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 15009

Re: The valet smashed my Tesla into a brick wall!

You'll want to ask for the declarations page of the restaurant's policy. That will tell you the limits of coverage the restaurant is carrying -- and you will find out if they are underinsured. If you have any concerns about not being fully compensated, consult with an attorney.

Good luck.
by LookingtogetFIRE'd
Tue Nov 14, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: hellstrip- who's responsible for an accident
Replies: 9
Views: 1688

Re: hellstrip- who's responsible for an accident

One thing you haven't mentioned, but should ensure is within your policy, is defense coverage: at least $500K to $1Mil. If you get sued, whether or not you are ultimately held liable for property damage or bodily injury, you want a lawyer to represent you. Normal people cannot afford to litigate civ...
by LookingtogetFIRE'd
Mon Nov 13, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 8216

Re: Swedish Death Cleaning [De-clutter your home]

If you are doing a massive purge, before you take a giant load to Goodwill, consider whether the items may be of value to someone within your own community. There are many Buy Nothing Project and community sharing forums on Facebook and/or operated by community listserv - offer it there first, as yo...
by LookingtogetFIRE'd
Mon Nov 13, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 9821

Re: $23k credit card emergency

A lot of fantastic advice has already been given but I'll add in my two :dollar :dollar 1. Don't buy anything you don't need until you are out of debt. If you really need something, see if you can get it used and/or free. There are many Buy Nothing or community sharing programs throughout the countr...
by LookingtogetFIRE'd
Thu Nov 09, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: IRA for children?
Replies: 3
Views: 385

Re: IRA for children?

:oops: Ah so you can't gift your own earned income to a child. That would be too easy.
by LookingtogetFIRE'd
Thu Nov 09, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: IRA for children?
Replies: 3
Views: 385

IRA for children?

Has anyone ever set up an IRA for their children and put in a modest amount so that they can take advantage of the extra 18 or so years of compound interest? Everyone talks about contributing to a 529K, but why not also a tax sheltered retirement account for them? Thoughts?
by LookingtogetFIRE'd
Thu Nov 09, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 3338

Re: Mold Discovered in Potential House Purchase

Run. Run away now. Mold can be a very big problem, and it can be very difficult to appreciate the full magnitude of the problem. It also is frequently excluded from insurance coverage, so if you buy that house and later find out that its much worse than originally anticipated you may be left holding...
by LookingtogetFIRE'd
Fri Oct 27, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 6961

Re: Index investing is boring

I got a cold call from Merrill Lynch last night (which is funny, because I'm currently transitioning away from Merrill Lynch -- I guess they don't do any cross referencing before picking up the phone). The kid (who sounded about 25) tried to give me his pitch about why he had "superior knowledge" ab...
by LookingtogetFIRE'd
Wed Oct 25, 2017 8:40 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 364
Views: 84656

Re: Master Thread for Metro Boston's Chapter

Can you count me in for the December 9 meeting?
by LookingtogetFIRE'd
Mon Oct 23, 2017 9:46 am
Forum: Investing - Theory, News & General
Topic: TIAA Trouble [NY Times: TIAA pushes clients to high fee products]
Replies: 50
Views: 6201

Expose on TIAA

[merged this post into the existing thread - moderator prudent] Anyone with an account (or if you know someone with an account) at TIAA should read this asap: https://www.nytimes.com/2017/10/21/business/the-finger-pointing-at-the-finance-firm-tiaa.html?action=click&pgtype=Homepage®ion=CColumn&mo...
by LookingtogetFIRE'd
Tue Sep 12, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 47071

Re: Name something you had to have and now you regret purchasing it?

Gym membership. And I still have to pay for it for 6 more months, while I continue to work out at home or outside. :x
by LookingtogetFIRE'd
Thu Aug 31, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Emergency funds and net worth calcs
Replies: 27
Views: 3122

Re: Emergency funds and net worth calcs

In case anyone is interested-- I've decided to keep $10K in straight cash in the .01% checking account simply for the ease of access, and I'm moving the rest into the Vanguard Municipal MMF.
by LookingtogetFIRE'd
Thu Aug 31, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Emergency funds and net worth calcs
Replies: 27
Views: 3122

Re: Emergency funds and net worth calcs

Thanks everyone for the advice! This has been extremely useful!
by LookingtogetFIRE'd
Thu Aug 31, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Retirement or Pay Off Debt?
Replies: 35
Views: 4056

Re: Retirement or Pay Off Debt?

Hi BH, I've been saving for retirement but have committed myself to being more proactive in my personal finance recently. I've read that you don't start saving until you eliminate all your debt and I couldn't disagree more. However, I've been maxing out my 401K and recently learn about the backdoor...
by LookingtogetFIRE'd
Mon Aug 28, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Emergency funds and net worth calcs
Replies: 27
Views: 3122

Emergency funds and net worth calcs

Hello everyone. I'm new to this forum but I'm so glad I found it! Does anyone have any advice on where to park your emergency fund? It seems silly to keep $30K in cash in a savings account making .01% interest, but the money market rates don't really seem to be any better. Do we just suck it up and ...