Search found 533 matches

by GCD
Sun Sep 23, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8701

Re: Minimalist Lifestyle

It's one thing to travel for a few months out of a suitcase and quite another to become a full-time vagabond with only a suitcase full of personal goods. I've lived for months out of a backpack, but with many more possessions stored elsewhere. I second the opinion above that a suitcase is fine for t...
by GCD
Wed Sep 19, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25272

Re: What is your single most expensive mistake?

jehovasfitness wrote:
Wed Sep 19, 2018 5:52 pm
Read first page. Anyone say kids yet?
No, but a lot said wives. One leads to another I suppose.

Myself, having kids was damn sure expensive, but I don't classify it as a mistake.
by GCD
Wed Sep 19, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25272

Re: What is your single most expensive mistake?

We had long term plans to move to our favorite vacation destination by relocating our jobs. Bought land in "the perfect place" for $250K. Long story short, sold the land for about $80K. Ouch. Whatever, most of us make mistakes and I've had a bunch of wins too.
by GCD
Wed Sep 19, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3724

Re: Does this job exist (another want-to-quit-corporate-world thread)?

Early-retired blogger. The seasonal USFS and NPS jobs can be difficult to get. I cannot imagine they would be suitable for the OP. This is an interesting perspective. Did you ever work for one of these agencies or even for the federal government? I ask because I see the view that "government jobs a...
by GCD
Wed Sep 19, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3724

Re: Does this job exist (another want-to-quit-corporate-world thread)?

1) I'm 53 b) be outside; somewhat physical. While I don't have construction experience, I like working with my hands, and being outdoors, although I'd like something that would still require thought and creativity. What kind of shape are you in physically? Can you define "somewhat physical"? I defi...
by GCD
Tue Sep 18, 2018 2:46 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8248

Re: How did you decide when to retire?

My wife and I lived on the amount of our projected pensions. Everything above that went into savings. The day I qualified for my pension I retired.
by GCD
Tue Sep 18, 2018 2:37 am
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 2463

Re: New York Times--NYTimes: Freezing Credit Will Now Be Free. Here’s Why You Should Go for It.

To be honest, I find all the advice to freeze your credit highly annoying. My wife and I have had ours frozen since around 2002. The easier and cheaper and more common it is for people to do it the more incentive there is for crooks to overcome it. Right now it is pretty effective. I wonder how long...
by GCD
Tue Sep 18, 2018 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3724

Re: Does this job exist (another want-to-quit-corporate-world thread)?

Government yardwork? My wife and I walk our dog in a nearby park. This retired dude who used to walk there got badgered into mowing lawns for the county. He makes about 40K and they love him because he actually mows lawns instead of screwing off all day. That 40K is full time, but he says he could t...
by GCD
Tue Sep 18, 2018 2:16 am
Forum: Personal Finance (Not Investing)
Topic: I see now why Rollovers can take FOREVER ....
Replies: 74
Views: 7906

Re: I see now why Rollovers can take FOREVER ....

One solution for these small accounts may be to ignore them . Just never respond to anything the company sends you and if they call tell them you aren't you and never heard of you. Eventually they will deem the account abandoned and turn it over to the state treasurer. At which point you can claim i...
by GCD
Thu Aug 23, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5423

Re: Test your cognitive biases

It's really a sneaky way for the researchers to ask questions about terrorism and drone attacks and match the answers up with your political bent. I foresee a U of OK article about the illogic of liberals or conservatives in fearing terrorism. Maybe they will mix up their data collection and have to...
by GCD
Wed Aug 22, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Is divorce a wise financial move?
Replies: 90
Views: 5067

Re: Is divorce a wise financial move?

In typical form, BH can't address a simple financial question and call it quits. Instead the forum has to engage in moralizing and snide comments. OP asked a financial question. It was fairly quickly answered and he acknowledged that. Then people start attacking his reasons for being married. Frankl...
by GCD
Sun Aug 05, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15636

Re: Will you pay for your kids' college/graduate education?

How much support depends on the decisions they make. We have enough in the 529s that both our kids can have in-state (Virginia) covered fully (tuition, room and board, books, etc.) for all 4 years and a chunk left over for overseas summer study, grad/prof school whatever. If they choose to go to an ...
by GCD
Sat Aug 04, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 9928

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I've been reading Expedition Portal lately as I ponder what my first real adventure in retirement should be. This timely article recently popped up there: https://expeditionportal.com/buyers-guide-travel-insurance-rescue-and-medical-evacuation-services/ The article gives a pretty good overview of th...
by GCD
Fri Jul 27, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10094

Re: Toughest Purchase of my Life. Engagement Ring time

What I did was buy a generic $5 ring for the actual proposal. After, my wife picked out the exact ring she wanted. I also did this. My wife still keeps the $5.99 ring I bought at 7-11 in the safe because she is so attached to it. Doing it this way preserves the surprise but lets the woman pick out ...
by GCD
Thu Jun 21, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 156
Views: 44541

Re: Is the first 100k really the hardest?

Is this one giant strawman? No-one mentions anything about YOUR disagreement with the common practice. You initially disagreed that it is "common practice here" to hold an emergency fund. You then equate holding a liquid emergency fund to paying a financial salesman high fees as if they are both eq...
by GCD
Wed Jun 20, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 156
Views: 44541

Re: Is the first 100k really the hardest?

Topic-starter mentioned that he reached $100.000 in investments before reaching a $100.000 net worth. I'm a Dave Ramsey-fan and balk at the idea. Am I alone in that? I thought an emergency fund is common practice here? I don't have an emergency fund. Many here do, but I wouldn't categorize it as "c...
by GCD
Wed Jun 20, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Storing Sustenance for Disasters
Replies: 28
Views: 2408

Re: Storing Sustenance for Disasters

I notice that some who have posted indicate they use the emergency food sometimes to add to soup , stews, etc they are cooking. Once the vacuum pack Is broken on some of these canned vegetables , does the remaining product stay "fresh". If you break the vacuum seal on a can of vegetables will the c...
by GCD
Wed Jun 20, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 156
Views: 44541

Re: Is the first 100k really the hardest?

The first 100k came pretty quickly once I started working with a 401k. But I'm finding that first $1 million to be pretty friggin hard to get to. I'm not even a third of the way there, so it feels like an unreachable goal. :-( I'm constantly tempted to just blow my money on that luxury car I've alw...
by GCD
Wed Jun 20, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 156
Views: 44541

Re: Is the first 100k really the hardest?

Topic-starter mentioned that he reached $100.000 in investments before reaching a $100.000 net worth. I'm a Dave Ramsey-fan and balk at the idea. Am I alone in that? I thought an emergency fund is common practice here? IMO, an emergency fund is only necessary to the extent your life is unpredictabl...
by GCD
Tue Jun 19, 2018 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15634

Re: How much (green) cash at home for emergency ?

Starting when we lived in California we kept a backpack of supplies in each car so we could get back home or to a rendezvous point to hook up with other family members. Part of that bag was $200 cash in 5s and 1s for gas or other necessities when credit card readers might be down. $200 is inconseque...
by GCD
Tue Jun 19, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Anyone FIRE with young kids - what did you do?
Replies: 8
Views: 1943

Re: Anyone FIRE with young kids - what did you do?

I think unless you are willing to homeschool it is inevitable that you will get locked into the US 9 month school year schedule. That puts you on a summer vacation schedule with the rest of the US. Being nomadic or living in an exotic location and homeschooling makes the kids very dependent on the p...
by GCD
Tue Jun 19, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Anyone FIRE with young kids - what did you do?
Replies: 8
Views: 1943

Re: Anyone FIRE with young kids - what did you do?

We kinda blew it. IMO anyway. Our kids were both in middle-school when my wife and I retired. I told her we should make sure not to waste this opportunity. We could literally sell the house, buy a sailboat and homeschool the kids off the coast of China if we wanted. Not that we had to do anything th...
by GCD
Tue Jun 19, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 9153

Re: gray hair

I've been greying for awhile. I'm 53 now. My wife likes it. My kids tease me about it. The shorter I cut it the less noticeable it is. I'm not concerned and would never dye it. YMMV.
by GCD
Mon Jun 18, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18571

Re: Life in retirement - what did you do today?

When I get done with all that I want to get certified as a sommelier and travel more internationally. GCM, I am curious about this sommelier certification. If not career related, does it help with choosing wines for your own personal enjoyment? wine knowledge in general? I ask because I am looking ...
by GCD
Thu Jun 14, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5627

Re: How do you celebrate (potty trained kid) milestone with your spouse?

You can have this engraved with whatever you want: https://www.amazon.com/gp/product/B01FGBOSVE?tag=s4343sdfd-20 Or make it yourself: https://www.popsugar.com/moms/Lego-Potty-Training-Trophy-43599174 And on Ebay, but buy it quick 'cuz there's only one!: http://www.ebay.com/itm/like/263022002114
by GCD
Wed Jun 13, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18571

Re: Life in retirement - what did you do today?

Early 50’s here and don’t want to derail a harmless thread, but I have some random thoughts on these posts. Reading these I have encountered all these emotions: **Depressed because it seems so boring and purposeless in retirement ** I wonder how many of these people worry about spending too much ea...
by GCD
Tue Jun 12, 2018 2:55 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 185
Views: 19949

Re: The Power of Working Longer

I would say, it's hard to save money if you made poor choices in life. This is really regardless of age. Long story short, it's not age that impacts ability to save money, it's years since your last bad decision. I agree. But would add it also matters how bad you want it. Paying off debt and maxing...
by GCD
Tue Jun 12, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7854

Re: Boring Job

When you complete the work quickly are you also producing quality? If you can show that you legitimately have mastered these job requirements in a short amount of time then you are probably supervisor material. Or at least you are worth more to the company. You should work on a way to translate this...
by GCD
Tue Jun 12, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18571

Re: Life in retirement - what did you do today?

Is this place turning into Facebook now? What is a consumer issue, finance, or investing related about this? Nothing really. But it is a retirement issue. A lot of BHs seem to struggle with the concept of filling their previous working hours with their own creative agenda. A thread like this may gi...
by GCD
Mon Jun 11, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 185
Views: 19949

Re: The Power of Working Longer

They're assuming your savings earns 0% real over the years you save. Constant returns, 𝑟, assumed to be zero So yes, if you are 100% in CDs, you're likely going to get a big benefit from simply working longer. Another big assumption is that the day you retire, you put 100% of your savings into an a...
by GCD
Mon Jun 11, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Chipmunk Repellent?
Replies: 36
Views: 2979

Re: Chipmunk Repellent?

10/22 depends on the neighborhood. I once had a pigeon problem. Discharging a firearm inside city limits was a felony. Shooting an airgun was allowed on your own property. Although I had a suppressed 10/22 I used an air rifle. Just know your legal environment. Wouldn't those high pitched things also...
by GCD
Mon Jun 11, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18571

Re: Life in retirement - what did you do today?

Is this place turning into Facebook now? What is a consumer issue, finance, or investing related about this? Nothing really. But it is a retirement issue. A lot of BHs seem to struggle with the concept of filling their previous working hours with their own creative agenda. A thread like this may gi...
by GCD
Mon Jun 11, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5627

Re: How do you celebrate (potty trained kid) milestone with your spouse?

celia wrote:
Mon Jun 11, 2018 1:50 pm
I certainly hope this doesn't start a trend around here.
Start? There was a thread about when to replace underwear. It's been that way for awhile.
by GCD
Mon Jun 11, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18571

Re: Life in retirement - what did you do today?

Not to paint a non rosy picture but it's not always rainbows and flowers. My mother is 85 and she is in pretty decent health for her age. She worked until she was in her 70's (selling real estate) and this allowed her to constantly be busy and talking to other people. She now lives in an apartment ...
by GCD
Mon Jun 11, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5627

Re: How do you celebrate (potty trained kid) milestone with your spouse?

My son once had an explosive poo during diaper changing that splattered against a textured wall. I spent considerable time with a Q-tip cleaning up after that. On the subsequent Father's Day I got a spray painted gold Q-tip.
by GCD
Mon Jun 11, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15257

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

As I've said multiple times, he can go to law school and spend the rest of his life publishing law review articles. Do you really think this is plausible? I'm just curious....In other academic disciplines I think you would be hard pressed to get published in a good academic journal if you weren't a...
by GCD
Mon Jun 11, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18571

Re: Life in retirement - what did you do today?

Tidied house for the maids who come this afternoon. Uh... aren't the maids supposed to do that? :shock: Yes, they are, but if you have ever been married, you should know how that really isn't ever the case. I lost that battle as soon it started. At least I now know that I am not alone. Ask me how o...
by GCD
Mon Jun 11, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: Amsterdam
Replies: 12
Views: 972

Re: Amsterdam

First consumer discussion on cannabis I think? BH.org has come a long way. We'll have to see if the mods agree and thread stays active/visible. Legal cannabis. I assume it would be ok to talk about alcohol as well. But some areas of the world allow child sex tourism. I would hope a discussion of th...
by GCD
Mon Jun 11, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Amsterdam
Replies: 12
Views: 972

Re: Amsterdam

I've traveled throughout Europe but have never been to Amsterdam. For the first 40 some years of my life I've never tried weed. I'd like to give it a shot while in Amsterdam. Thoughts? Recommendations? I assume you don't have a US based job that has urine tests or a need for a security clearance. A...
by GCD
Mon Jun 11, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18571

Re: Life in retirement - what did you do today?

Retirement is a bore Heh, you're doing it wrong. Yup. Dropped kids off at school and walked the dog with my wife in a local forest. Scheduled Stairmaster repair. Exercised 45 minutes. Scheduled sailing lessons. Confirmed final registration for a battle robot contest that my son is competing in this...
by GCD
Sat Jun 09, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' College Philosophy question
Replies: 68
Views: 4069

Re: Bogleheads' College Philosophy question

downshiftme wrote:
Sat Jun 09, 2018 8:48 pm
I'm leery of the false dichotomy. In most cases, you don't have to choose exclusively between retirement or college...
This.
by GCD
Sat Jun 09, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Indecision on Career Move - Fed to Industry
Replies: 21
Views: 1465

Re: Indecision on Career Move - Fed to Industry

It's not possible to adequately describe your work environment over the internet. You are the only judge of that. In my experience, valued mid-career folks were viewed favorably in the fed. If you approach your supervisors I would imagine you could work out some changes. I had FANTASTIC results the...
by GCD
Sat Jun 09, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 11162

Re: Why do we work?

It isn't fun lol. Probably do 9AM - 2AM M-F, try and only do 5 hours or so Saturdays and then 10 or so Sunday. It is not a sustainable lifestyle. Certainly takes a toll on your personal relationships and health. But it is for a fixed amount of time (3 years) and then I either get promoted and work ...
by GCD
Sat Jun 09, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Indecision on Career Move - Fed to Industry
Replies: 21
Views: 1465

Re: Indecision on Career Move - Fed to Industry

As a retired Fed who went through mid-career ennui myself... If you are career-conditional you should keep a constant look out on USAJobs for something you might like. Many feds work for multiple agencies over their career. I worked for DOL and two different agencies within the DOJ in my career. As ...
by GCD
Sat Jun 09, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 11162

Re: Why do we work?

I regularly work 100 hour weeks. For the minimal amount of time I am not sitting in my cube all I can think about is work. I cannot ever disconnect. Vacations aren't an option. I cancel plans more than I am able to show up for them. I ask myself everyday when I wake up why I am doing this. The mone...
by GCD
Fri Jun 08, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4358

Re: Death - Prediction

I refuse to participate. My goal is to live long enough to download my brain to a robot. Then I will live forever and let compounding make me a vigintillionaire.
by GCD
Thu Jun 07, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Overfunding 529
Replies: 25
Views: 2594

Re: Overfunding 529

letsgobobby wrote:
Thu Jun 07, 2018 7:30 pm
- multigeneration educational ‘trust’
-
I would imagine this is the most likely reason. I may or may not have overfunded. I don't care because I am happy to have created this ^^^ if it is overfunded.
by GCD
Thu Jun 07, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1211

Re: How to help 12 year old learn about business/investing

I think the problem you may run into is that investing, if you do it right, is SUPPOSED to be boring. Anything that makes it seem fun or exciting (e.g. treating it like a game, where you can 'beat' the other players if you have enough skill) could teach exactly the wrong lesson. I agree that this i...
by GCD
Wed Jun 06, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15257

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

As I've said multiple times, he can go to law school and spend the rest of his life publishing law review articles. Do you really think this is plausible? I'm just curious. One would be hard pressed to do this in other academic areas unless you wanted to fund your own research. I get that law revie...
by GCD
Wed Jun 06, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1211

Re: How to help 12 year old learn about business/investing

When I lived in South Dakota and was looking for something for my kids, I ended up homeschooling them and used Northwestern's Center for Talent Development for part of the curriculum. It's a gifted program that has both local classes in the Chicago area and online classes. The enrichment classes are...