Search found 48 matches

by Moneta
Thu Jan 09, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 6558

Re: How do you mentally process stupid ways of losing money?

For me, ruminating over mistakes like this stems from two things: (1) the belief that I should be perfect in order to earn love, and (2) the belief that it's POSSIBLE to be perfect. Both beliefs were instilled in me at a very young age. I have a deep-rooted idea that people CAN be perfect if they ju...
by Moneta
Mon Dec 30, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: yet another reason not to get a smart phone
Replies: 192
Views: 15216

Re: yet another reason not to get a smart phone

Imagine some of these same arguments being used about strangers peering into our windows. Decades ago, we decided as a society that we have the right to do "whatever" inside our houses, and if strangers peek through the windows at us, they have no right to be scandalized. In fact, they're the ones i...
by Moneta
Fri Dec 20, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: WSJ "Economists got the decade all wrong"
Replies: 40
Views: 5349

Re: WSJ "Economists got the decade all wrong"

unclescrooge wrote:
Mon Dec 16, 2019 6:35 pm
It's just a matter of time before the unemployment rate goes negative! :mrgreen:
Some would argue that the "gig economy" is taking us there, as more people struggle to hold down more than one job!
by Moneta
Thu Dec 19, 2019 5:36 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1242
Views: 164433

Re: Post your Financial Milestone Announcements Here

Two milestones to report: 1) For the first time, the total amount in my own personal accounts (including retirement, brokerage, and other savings) is now over $150,000. 2) Also for the first time, our total household assets (including the value of the house) total over $1,000,000! At 44, I feel like...
by Moneta
Thu Oct 31, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 156
Views: 14066

Re: Possible Layoff: Need Assurance That We Will Be Okay

I'm older than you, have two kids, and am still working on accumulating my first $150,000. We've only saved $10K total for the kids' college. I am not able to fully fund my retirement. According to a wealth calculator I ran, I will need to work for the next 25 years, saving 30% of my gross, and I wi...
by Moneta
Mon Oct 28, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1816

Re: Hotel "incidentals" credit card precharge?

Yep, this is standard practice and has been for quite some time, to my knowledge! I've been encountering it at every hotel I've stayed at for at least the past 3 years, maybe more. I think it's just a way for them to be covered in case you drink the $10 bottled water they thoughtfully place in your ...
by Moneta
Mon Sep 30, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: facebook question about @
Replies: 1
Views: 538

Re: facebook question about @

I don't have a good answer to this, but I wanted to let you know that I have also encountered the same struggle! Facebook is sometimes almost purposely obtuse / non-helpful. We should be able to "@" the person's username (as seen on the direct link to their profile) and have their software gracefull...
by Moneta
Thu Aug 22, 2019 2:19 pm
Forum: Investing - Theory, News & General
Topic: Boglehead’s Vanguard Dogma
Replies: 31
Views: 3084

Re: Boglehead’s Vanguard Dogma

$4.95 / trade is too expensive for me. I'd stick with similar, free funds unless & until you have the ability to roll funds out upon retirement or separation.
by Moneta
Fri Aug 02, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buying $20k worth of mortgage points.
Replies: 47
Views: 3683

Re: Buying $20k worth of mortgage points.

FrugalConservative wrote:
Fri Aug 02, 2019 2:59 pm
NEVER PAY POINTS.

The 10yr is down to 1.847 , why pay 20K when rates are so low to begin with?
Whoah! Where are you seeing 1.847??
by Moneta
Wed Jul 31, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3652

Re: Gifts to Bring when Traveling Overseas

Little gifts I've given to international travelers: Keychains, magnets, postcards, etc. of my home town Local sweets, especially when (1) packaged in a nice box, (2) fruit or nut based (not intensely sweet), (3) related to my home in some way Other local color type gifts, such as wild rice, pasta in...
by Moneta
Tue Jul 30, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Childcare expenses as children get older
Replies: 14
Views: 1169

Re: Childcare expenses as children get older

It's not very feasible for most people, but my husband and I found a solution that let one of us be home most of the time while still both working. His office needs 24/7 scheduling (disaster recovery), so he has worked a series of undesirable shifts -- 4 PM to midnight, midnight to 10 AM on Friday /...
by Moneta
Fri Jul 26, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - remove old funds associated with account
Replies: 23
Views: 6315

Re: Vanguard - remove old funds associated with account

I had this same issue. I called Vanguard and they said I needed to upgrade my Roth IRA to their new Brokerage platform for my Roth IRA, and the $0 balance funds would get cleaned up in the transition. So I did, and I no longer see those old funds.
by Moneta
Fri Jul 12, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 8790

Re: Has anyone inherited a obligation/burden/responsibility?

This is a much smaller gift, but a few years ago my dad gave me his old car since he was getting a new one. I did not actually want his old car, for several reasons. First, it was a huge boat of a Buick and I live in a small, cramped city where parking is tight. Second, I like *my* car, the one I ch...
by Moneta
Fri Jul 05, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child - cars & residency
Replies: 14
Views: 1277

Re: Adult child - cars & residency

My kids are younger, so I'm thinking of this question from my own experience in becoming independent rather than from a parent-of-a-20something perspective. To me, it seems that your son should be the one thinking about all these factors and making the decisions that work best for him as he becomes ...
by Moneta
Mon Jul 01, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate to Seattle or NYC
Replies: 132
Views: 7794

Re: Relocate to Seattle or NYC

I've never been to New York, but I moved to Seattle in 1999 and love it here. Yes, it has problems, but I'm OK with the balance of pros and cons that I find here. And it's a huge upgrade from my Midwest roots. Re transit: Consider looking for a place to rent near a light rail station, assuming the p...
by Moneta
Fri Jun 28, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pursued the wrong career?
Replies: 37
Views: 7250

Re: Pursued the wrong career?

I left academia after realizing the cost/benefits just wouldn't work for me, partly due to similar concerns about work/life balance and wanting to be able to start a family. No regrets! After a somewhat winding career pathway, I ended up in a data science adjacent field and am now a technical progra...
by Moneta
Mon Jun 03, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 9436

Re: Does money/lack of money preoccupy you?

I've spent the past year in a semi-obsessive state specifically when it comes to money. At my previous position, I was earning so little that the small, pitiful amounts I managed to save were almost totally pointless. That made it easy for me to throw up my hands and say "There's nothing to be done....
by Moneta
Mon Jun 03, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Attaining a dream job / career satisfaction
Replies: 7
Views: 1054

Re: Attaining a dream job / career satisfaction

I am not sure if I can qualify as a possessor of a "dream job," but it's pretty dreamy to ME, so I'm going to count it. If I'd been asked at age 15 what my ideal future career would be, I would have answered that I wanted to become a Mother Superior at a convent in the inevitable post-apocalyptic wa...
by Moneta
Fri May 17, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1314
Views: 148098

Re: What frugal thing did you do today?

I've been working out for the past year at a CrossFit gym (no, that is not frugal, I know...) that includes both weightlifting and running. I had weightlifting shoes in my size, received free from a "Buy Nothing" group member in my area who didn't want them anymore. So I have been using my weightlif...
by Moneta
Mon May 06, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 8197

Re: How much do you donate?

Just 3%, but I hope to increase it in time. Since I'm not maxing out my tax-deferred account, I have some conflicted feelings about giving even that much -- I'd be happier if I could afford to give 10%.
by Moneta
Mon Apr 15, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6498

Re: Women, How Much Do You Pay for Haircut

I'm in Seattle. I have been really reluctant to start down the path of the $120 haircut, but as I age and want to be taken more seriously in my professional life, I have also been coming up against the fact that my personal styling is a weak area. I compromised by paying $85 + tip (i.e. $100) at a v...
by Moneta
Wed Mar 06, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Career switch - leverage wage flexibility?
Replies: 6
Views: 788

Re: Career switch - leverage wage flexibility?

I am in this field. Since she doesn't have experience doing this exact thing for money, I recommend that she do a side project analyzing a public data set and creating some basic reporting around it. This can be done in Tableau, which is a free download, and she can post her vizzes on Tableau Public...
by Moneta
Wed Mar 06, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Framework to evaluate life and lifestyle choices?
Replies: 38
Views: 3093

Re: Framework to evaluate life and lifestyle choices?

Wow, you're making far, far, far more than my husband and I are! At half a million *each* in a single year (wow!!!), the two of you together will be pulling in more than my husband and I will pull in over the next 6 years. You could just work that one year and then take 6 years off and we'd be about...
by Moneta
Wed Feb 13, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 6496

Re: Newlyweds and joint accounts for household expenses

My father told me that in his opinion, couples who don't combine all their finances "aren't really married"! :annoyed Since I was a newlywed at the time, I couldn't help but take it as a veiled criticism and a suggestion about how I should change my life. I blithely disregarded his opinion, and my h...
by Moneta
Tue Feb 05, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1314
Views: 148098

Re: What frugal thing did you do today?

Learning to cook South Indian food so I can fill up on protein-rich lentils instead of eating meat at every meal. I just had leftover Uzbaki carrot rice pilaf (their national dish) with South Indian sambar over the top -- it's a hot potato, lentil, carrot, onion mixture with tons of deliciousness fr...
by Moneta
Fri Feb 01, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any Experience with pay per mile insurance
Replies: 26
Views: 1567

Re: Any Experience with pay per mile insurance

I tried MetroMile a few years back and I loved it. Sadly, about a month after I started using it, they contacted me and said that due to my husband's lack of a driver's license, they could not actually offer me the product. My husband has never had a driver's license; I'm the household's only driver...
by Moneta
Tue Jan 29, 2019 3:35 pm
Forum: Personal Investments
Topic: 401k roll over to IRA
Replies: 13
Views: 830

Re: 401k roll over to IRA

What's it currently held in? You might be able to roll it over in-kind, preventing liquidation and re-purchasing.
by Moneta
Tue Jan 22, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 17256

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

I had some relatives who were estranged from the rest of the family tell me I was getting a sizable inheritance. When they passed away, those estranged relatives came out of the woodwork and essentially fought everything every step of the way. I suppose I could have fought them in court but I reall...
by Moneta
Fri Jan 11, 2019 7:18 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1242
Views: 164433

Re: Post your Financial Milestone Announcements Here

I just paid off my student loans today! It's been almost 15 years, and I'm finally free!

And I'm going to max out my 2019 Roth IRA all in January, freeing up cash flow over the next 11 months!
by Moneta
Fri Jan 04, 2019 5:57 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 249
Views: 24108

Re: 2019 Hedge Fund Contest

Fund Name: **Randomize!** Our boutique stock-picking firm guarantees a fully random experience and complete unpredictability. Just think: An octopus can predict the SuperBowl winner by changing color between just "1" and "2" -- a simple binary comparison. If that's the case, then just think about ho...
by Moneta
Tue Dec 11, 2018 4:38 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1242
Views: 164433

Re: Post your Financial Milestone Announcements Here

Lots of financial milestones for me since I got a "new" job back in January, almost a year ago. That job included a hefty pay bump of about $23K. As a result: 1) I was able to get my retirement account totals to twice my age (in thousands) for the first time ever -- $86,000 (I'm 43) 2) If you add in...
by Moneta
Thu Nov 29, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10773

Re: How did YOU choose your career?

In early high school, I was very religious. I was also convinced that the current American global empire was about to crash irrevocably due to moral decay. So my career plan was to become the Mother Superior of a convent that would singlehandedly preserve cultural treasures like classical music, Lat...
by Moneta
Wed Oct 31, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: First Born - Financial Changes?
Replies: 6
Views: 827

Re: First Born - Financial Changes?

Open a 529 plan and start saving in it monthly. I wish we'd done that. Now my kids are 11 and 13, and we only have $5K total for the both of them in any sort of college account. :shock:
by Moneta
Thu Oct 25, 2018 3:00 pm
Forum: US Chapters
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 152
Views: 41871

Re: Seattle Area Chapter Meetings - Master Thread

I'm interested in hearing about the upcoming meeting!
by Moneta
Thu Oct 25, 2018 2:59 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 470
Views: 62828

Re: Your USER NAME...what does it mean?

Moneta is the Roman goddess of money. :mrgreen:
by Moneta
Mon Oct 15, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 6630

Re: What the heck is growing in my yard?

A morel mushroom appeared in my yard. I sliced it up and sautéed it in butter. It was delicious!
by Moneta
Fri Oct 05, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 234
Views: 31909

Re: 20 countries where 200K in retirement savings will last you decades

Armenia is lovely, and prices are reasonable!

https://www.expatistan.com/cost-of-livi ... rrency=USD

Lots of culture and history. No oceans and only one lake, though, and surrounded by (possibly) unfriendly countries. There are also restrictions on foreigners purchasing property.
by Moneta
Fri Sep 28, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 27828

Re: What is your single most expensive mistake?

Mistake #1 of many... After college, I went to China to teach English. I was out of the country and totally out of contact -- this was before email, and international phone calls were expensive. I forwarded all my mail to my boyfriend's place and left. While I was gone, my forgetful roommate finally...
by Moneta
Mon Aug 27, 2018 4:08 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1242
Views: 164433

Re: Post your Financial Milestone Announcements Here

My recent milestone was that my retirement account crested over twice my age in thousands. I am 43, and I've been fighting to get to twice-my-age-in-thousands for many years (low paying job with no 401k match, HCOL area, kids!). A career change to a position that pays 30% more meant that I was final...
by Moneta
Tue Aug 21, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5523

Re: Your major and investing/finance?

I triple-majored: Classics, History, Medieval Studies, and eventually ended up in software project management. I credit my education with giving me a broad perspective on human culture and how long things are likely to last. The Roman Empire was pretty amazing, yet where is it today? History is fill...
by Moneta
Tue Aug 21, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5782

Re: How much do you put away in investments?

I got a better job, earning almost 6 figures, and for the first time I am able to save almost $25,000 in a single year! (Part of that is going towards a mandatory pension plan, so I'm not sure if I should count it, but for the purpose of this post I'm counting it.) That puts my savings rate at just ...
by Moneta
Wed Jul 25, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and order of deaths
Replies: 49
Views: 3407

Re: Inheritance and order of deaths

If we engineered these issues away completely, many murder mysteries would suddenly lack a meaningful plot. I can't tell you how many mysteries I've read that hinge around precisely such scenarios.
by Moneta
Thu Jul 19, 2018 4:20 pm
Forum: Personal Investments
Topic: Transfer CapOne360 to Vanguard, or easier to wait until it's E-Trade?
Replies: 22
Views: 3589

Re: Transfer CapOne360 to Vanguard, or easier to wait until it's E-Trade?

Oh, I went through so much hassle earlier this year trying to do this very thing. I had three individual stocks that I bought through Capitol One's "Sharebuilder" taxable platform, and I was trying to move them IN KIND to a new brokerage account I opened at Vanguard. It was a huge hassle. Granted, I...
by Moneta
Fri Jun 22, 2018 12:46 pm
Forum: Personal Investments
Topic: Getting to Personal Investing 2.0
Replies: 2
Views: 834

Getting to Personal Investing 2.0

Hi all! I just found Bogleheads within the past few weeks. Wish I'd known about it years ago, but, c'est la vie! I'm trying to take our investments from the very simple 1.0 level to a 2.0 level. I have been underearning for most of my career, and went for over a decade with no company match on my 40...