Search found 53 matches

by The Outsider
Thu Aug 06, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1778

Re: My gym is reopening - are you going back to yours?

No to BJJ gym, and no to regular gym. I've got some equipment to workout from home.

I'd probably go back if I was only putting myself at risk but dont want to put my elderly parents in harms way.

We'll see where things are as time and knowledge of the disease progresses.
by The Outsider
Thu Jul 23, 2020 11:42 am
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 14876

Re: Retirees, share your epiphanies..

Does anyone here regrett not having kids, or not havijg enoguh kids ? I am profoundly grateful for the privilege of being my children's mother. Despite putting them through college as a single mom, I was able to retire early. In order to get the first one to college, I had to work at a very low-pay...
by The Outsider
Thu Jun 25, 2020 8:57 am
Forum: Investing - Theory, News & General
Topic: Jeremy Grantham on Invest Like the Best
Replies: 15
Views: 1494

Re: Jeremy Grantham on Invest Like the Best

Thanks for the link. Grantham's always worth listening to, if only to understand his opinion of the market and challenge my own "assumptions".
by The Outsider
Wed Jun 10, 2020 7:47 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 43
Views: 3966

Re: Roll Call for the Retirement Class of 2021!

Best guess at the moment is that I'll retire end of July 2021 at age 64.

Its going to be a very, very big change. I'm really looking forward to it!
by The Outsider
Mon Jun 08, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: Trip to Alaska in August/Sep
Replies: 17
Views: 1677

Re: Trip to Alaska in August/Sep

Fly into Anchorage, drive to Talkeetna, charter a flight seeing trip around Denali.

Go fishing and Bear watching in Katmai
by The Outsider
Wed May 13, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11493

Re: Dentist charges $10 for PPE

Coincidentally, just read this article discussing increased costs and concerns regarding dental practices and the pandemic. https://www.marketwatch.com/story/its-really-the-wild-west-out-there-your-trip-to-the-dentist-is-about-to-get-more-painful-but-not-for-the-reason-you-might-think-2020-05-12?mod...
by The Outsider
Mon May 11, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: BJJ -martial art
Replies: 58
Views: 3133

Re: BJJ -martial art

I started BJJ at 59. I'm going to hit 63 very shortly. Yes it can be done safely. Sadly, as far as I know, all reputable places are currently closed because of the pandemic.

Another resource to help with your decision: https://www.reddit.com/r/bjj/
by The Outsider
Sun Apr 26, 2020 11:19 am
Forum: Personal Investments
Topic: Sudden Early Retiree Family Portfolio Questions
Replies: 20
Views: 2416

Re: Sudden Early Retiree Family Portfolio Questions

First, congrats. Have you considered talking to your existing advisors, CPA, Atty's, etc?. Even a medium sized regional CPA firm should have in house expertise to assist with financial planning at an hourly rate. However, most firms that size also will be happy to manage your investments for an annu...
by The Outsider
Tue Apr 07, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2833

Re: Instacart delivery slots?

Coincidentally, I just tried it for the first time. Website said "no available delivery slots". So I tried to switch to store pickup. No luck, keeps switching me back to delivery failure message.
by The Outsider
Wed Feb 26, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28114

Re: Protection Against Home Intruders

If I have to get that many guns and other stuff to protect my family, I will move to a safer area. I think too many people watched too many movies. :D The Petit and Savopoulos families lived in pretty safe areas too. Granted, the risk is small, but like some insurance products we buy I sure wouldn'...
by The Outsider
Wed Feb 19, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Spreadsheets - Out of here!
Replies: 134
Views: 14257

Re: Spreadsheets - Out of here!

Bogleheads - After decades of building and using spreadsheets, I started to question the need and perceived value. In my opinion it was no longer a good or valuable use of time. Time that is better spent elsewhere as a spreadsheet makes zero difference or impact to a portfolio. After reviewing ever...
by The Outsider
Mon Feb 17, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28114

Re: Protection Against Home Intruders

I really know nothing about firearms but have a question. Should firearms be secured while inside a house or is it acceptable to have them laying on a night table? If a home is broken into while unoccupied I would think that a firearm would be stolen. Firearms always need to be safely "secured". Th...
by The Outsider
Thu Feb 13, 2020 12:37 pm
Forum: Personal Investments
Topic: Is this a bad time to invest new money in bonds?
Replies: 42
Views: 4920

Re: Is this a bad time to invest new money in bonds?

Given the choice between a CD of a specific term and a bond (or bond fund) of an equivalent term, if the rates (i.e. yields) were the same for both, I'd take the CD every time. Note that this type of situation happens quite often. Given the choice between a money market (or savings account) and a b...
by The Outsider
Fri Feb 07, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: 401K Contributions - Payroll vs Processing Time
Replies: 11
Views: 547

Re: 401K Contributions - Payroll vs Processing Time

As I understand, the language regarding when an employer must process 401K payroll contributions is vague. Our company was purchased about a year ago, and I've noticed a general increase in the processing time. I have checked with the 401K provider (Empower) and they claim they process the same day...
by The Outsider
Thu Jan 23, 2020 9:54 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27499

Re: Sad news: LadyGeek's husband has passed

As others have said sharing how you've handled the financial procedures of you husbands passing with us is very selfless of you. Thank you and more importantly, my condolences.
by The Outsider
Mon Jan 20, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 11958

Re: If you could only listen to one podcast...

birdog wrote:
Mon Jan 20, 2020 10:56 am
Jocko Podcast - Leadership and military oriented. Mainly set up as a book review format.
My favorite podcast by far.
by The Outsider
Wed Jan 15, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: strong role model books for 8 YO girl
Replies: 53
Views: 3461

Re: strong role model books for 8 YO girl

Jocko Willink ( Navy SEAL, Leadership consultant, and father of 3 daughters) wrote a childrens book series, Way of the Warrior Kid. https://www.amazon.com/Way-Warrior-Kid-Wimpy-Novel/dp/1250158613/ref=sr_1_3?crid=NW1VR1INFH8I&keywords=warrior+kids+book+series&qid=1579111184&s=books&sprefix=warrior+k...
by The Outsider
Thu Dec 19, 2019 11:15 am
Forum: Personal Investments
Topic: May I expedite early retirement?
Replies: 71
Views: 7415

Re: May I expedite early retirement?

Apologize if I missed it but does your current employer provide pension benefits? Are you vested? If yes, what is the annual amount? Any estimate of social security you'd receive?

If you plan to move to Spain would you sell, rent or keep your current home?
by The Outsider
Mon Dec 16, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: The worst investment advice I know
Replies: 170
Views: 14616

Re: The worst investment advice I know

J295 wrote:
Mon Dec 16, 2019 8:18 am
My wise dad on occasion reminds his entrepreneurial grandchildren… Don’t swim out any further than you can swim back.
Much wisdom here

Respect to your Dad
by The Outsider
Tue Dec 03, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Unpaid speeding ticket from 40 years ago.
Replies: 93
Views: 7912

Re: Unpaid speeding ticket from 40 years ago.

I got a speeding ticket 2 weeks ago in Wythville, VA. First one since then. As a repeat offender this may be germane to you: 6 traits that lead to criminal behavior https://www.policeone.com/corrections/articles/6-traits-that-lead-to-criminal-behavior-QKg2lpUaZbdKL1ot/ Good luck in breaking the cycle
by The Outsider
Mon Nov 18, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 48
Views: 8660

Re: At What Point Did You Realize You Made It?

Hello Bogleheads Community, I am 33 years old with roughly $320,000 invested net worth, which does NOT include money put aside and designated for a car purchase in the next few years and a 20% house downpayment (sales price known/closing in 2020). I am currently a governmental employee and paying i...
by The Outsider
Tue Oct 08, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Finance or Accounting Degree?
Replies: 81
Views: 6513

Re: Finance or Accounting Degree?

Although to throw an alternative, the way the world is changing I’d highly recommend some type of MIS minor or focus. If he could interpret code and understand relational databases he will excel at a larger company. I'd state this even more strongly: comprehending relational databases and being abl...
by The Outsider
Thu Jun 06, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 6839

Re: Thank you, Taylor Larimore!

RESPECT and Thank You Mr Larimore
by The Outsider
Tue Apr 09, 2019 11:04 am
Forum: Personal Investments
Topic: Am I retirement ready?
Replies: 63
Views: 8224

Re: Am I retirement ready?

Spindrift wrote:
Tue Apr 09, 2019 7:15 am
well I finally pulled the plug. Last day set for mid May. One More Week syndrome was a bitch but I finally overcame. I'm very excited and a bit nervous. Here we go...
Congrats, & good luck! Well earned :sharebeer
by The Outsider
Thu Mar 28, 2019 2:46 pm
Forum: Personal Investments
Topic: My Life in Retirement - Thank You !!
Replies: 30
Views: 4479

Re: My Life in Retirement - Thank You !!

Congrats

Hard work, and good judgment. Enjoy, you earned it

Respect
by The Outsider
Thu Mar 28, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 10775

Re: Tattoos and Bogleheads

No tattoos, just scars
by The Outsider
Thu Mar 28, 2019 10:34 am
Forum: Personal Investments
Topic: Ready to FIRE (But Vultures Be Circling)
Replies: 80
Views: 11475

Re: Ready to FIRE (But Vultures Be Circling)

Not sure what kind of MM fund you are considering. It is VMMXX or a MF investing in treasuries? Honestly, I would just put all (save for a few hundred grand) of the temporary cash in a mix of short-term treasuries (4 week, 8 week, 13 week and/or 26 weeks). I would not go out beyond 26 weeks (at lea...
by The Outsider
Fri Mar 01, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Leaders you look up to?
Replies: 3
Views: 494

Re: Leaders you look up to?

1. My Father - Who taught me courage, hardwork, sacrifice, integrity, personal and financial responsibility through his actions. 2. Jocko Willink - http://jockopodcast.com/about/ JOCKO WILLINK is a decorated retired Navy SEAL officer, author of the book Extreme Ownership: How U.S. Navy SEALs Lead an...
by The Outsider
Thu Feb 28, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: Naval on getting rich.
Replies: 79
Views: 10568

Re: Naval on getting rich.

Naval is too smart for most mortals. I suspect he is a genius which you will see evidence of if you have the time to listen to the links below. He could never work at a job and save money, he would be fired in a few days. However, he does have some good insights. At first, I violently disagreed wit...
by The Outsider
Sat Feb 09, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house with son [and his girlfriend]
Replies: 169
Views: 12521

Re: Buying house with son [and his girlfriend]

What would you do if the girlfriend sold her 1/4 ownership to an old boyfriend or her mother? That's what tenants in common means. What would happen if there are grandkids and S & GF split or grandkids and S & W divorce? Would grandkids get evicted? Son definitely could. What happens when wife rema...
by The Outsider
Sat Jan 12, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon
Replies: 29
Views: 5307

Re: Larry Swedroe’s Your Complete Guide To A Successful And Secure Retirement Coming Soon

https://www.amazon.com/Complete-Guide-Successful-Secure-Retirement/dp/0857197320/ref=sr_1_4?ie=UTF8&qid=1539819173&sr=8-4&keywords=swedroe&dpID=51PnbIajNaL&preST=_SY291_BO1,204,203,200_QL40_&dpSrc=srch Larry’s next book, Your Complete Guide To A Successful And Secure Retirement will be coming out i...
by The Outsider
Fri Jan 11, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 15053

Re: Recommendations for a 9mm handgun

hdas wrote:
Wed Jan 09, 2019 1:27 pm
Albeit most of the posts are just signaling. :greedy
Deliberately ironic? 8-)
by The Outsider
Sun Dec 23, 2018 10:17 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 13245

Re: My Christmas Present To You

RESPECT.

Thank You.

Merry Christmas
by The Outsider
Wed Dec 19, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Learning about options, derivaties, etc. for the layperson?
Replies: 5
Views: 486

Re: Learning about options, derivaties, etc. for the layperson?

https://www.amazon.com/gp/product/01330 ... 0DER&psc=1

Full disclosure: its on my reading list, but haven't started yet. It came highly recommended from someone in the business.
by The Outsider
Wed Nov 28, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Katmai Advice
Replies: 13
Views: 1630

Re: Katmai Advice

We're also in the process of visiting the National Parks and went to Katmai this summer. Our attitude was to not economize for some of the less accessible (several of the parks in Alaska) parks. Our thinking was that if we are going to go to all of the trouble to see our national parks, we want to ...
by The Outsider
Mon Oct 01, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Preparing a Net Worth Statement
Replies: 15
Views: 2045

Re: Preparing a Net Worth Statement

I keep home at cost, investment accounts @FMV. I ignore anticipated tax on unrealized gains and deferred income because I don't know what tax rate I'll be assessed at withdrawal.

KISS works for me. YMMV
by The Outsider
Sun Sep 09, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Best Intro Geology Textbooks
Replies: 17
Views: 1415

Re: Best Intro Geology Textbooks

... A textbook like source sometimes used in academic classes is Geology of National Parks by Ann Harris. Although this is lengthy and rather dry and technical. I am interested in this topic and just found out that the Geology of National Parks by Ann Harris is in my local library. So you might wan...
by The Outsider
Mon Aug 20, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5602

Re: Your major and investing/finance?

Acctg undergrad, MBA.
by The Outsider
Sat Aug 18, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 81
Views: 10584

Re: For those of you in the Accumulation Phase - How often do you check?

I look up balances manually and update spreadsheet Qrtly. The spreadsheet is on a different laptop with no internet access for privacy, security, and paranoia :happy
by The Outsider
Fri Aug 03, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 8208

Re: DW job in dangerous area

Whats the worst that can happen? Are you both willing to pay that price? If yes then take the job. If not decline. That's a silly argument. The worst that can happen, anywhere, doing nearly anything, is death. Should I never drive a car, or swim in a pool, or turn on a stove, or even walk down the ...
by The Outsider
Wed Aug 01, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 8208

Re: DW job in dangerous area

Whats the worst that can happen? Are you both willing to pay that price? If yes then take the job. If not decline.
by The Outsider
Thu Jul 26, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 3410

Re: How to make opened bottles of wine last longer

How long will a typical opened bottle of wine stay "fresh"? What can you do to extend it? Store it in the fridge? Are all of the vacuum stoppers pretty much the same? This is an option, but one I have no experience with other than its used at wine bars I've been too. I regularly keep re-corked bott...
by The Outsider
Tue Jul 17, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Big 4 Who Jumped to Industry - Compensation
Replies: 35
Views: 11467

Re: Big 4 Who Jumped to Industry - Compensation

So my advice would be to focus more on the opportunity and not necessarily the immediate pay increase. Stay long enough that when you leave and launch into a company it is at an appropriately high level. Go to a place where you think there is real opportunity for growth. Good luck! what he said - f...
by The Outsider
Fri Jul 13, 2018 2:34 pm
Forum: Personal Investments
Topic: When can I retire? Where to go from here?
Replies: 19
Views: 4206

Re: When can I retire? Where to go from here?

Hi Bogleheads, I wanted to check in for a financial checkup as my wife and I have just completed major career transitions. This post is not a “humble brag”, I am truly looking for advice and or reassurance that I am doing the right thing. I have always handled the financials by myself and that can ...
by The Outsider
Tue Jul 03, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 9751

Re: Any Boglehead powerlifters?

Turbo29 wrote:
Mon Jul 02, 2018 4:46 pm
62yo, 5'10", 194lb. Only do free weights, no machines.

Bench press 200x1
Standing press 135x1
Squat 315x1
Deadlift 385x1

Long arms help my deadlift and hurt my presses.
Respect!
by The Outsider
Thu May 10, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 133
Views: 16406

Re: Bucket List Adventures/Activities

Interesting to see what people have on their list. For me? I don't really have a bucket list. And I thought I was the only one not into bucket lists. +1. I'd be interested to know people's bucket list failures - they've left it too late. Not admitting 100% failure yet but its not looking good. Didn...
by The Outsider
Mon Apr 30, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Northern Hiking/Walking Vacation
Replies: 19
Views: 1973

Re: Northern Hiking/Walking Vacation

Yosemite

Mt Rainier
by The Outsider
Thu Mar 29, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Value Your Home for Net Worth Purposes?
Replies: 150
Views: 13553

Re: How Do You Value Your Home for Net Worth Purposes?

I wouldn't count on Zillow or Redfin estimates as they are wildly inaccurate in my case. I've lived in my home for close to 30 years and have aggressively challenged my property tax assessments for 20 of those years. Thus, the Zillow estimates for my home are laughably low, about half it's actual m...