Search found 31 matches

by Moneta
Mon Jun 03, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 79
Views: 6085

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: 930

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: 843
Views: 84873

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: 7459

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: 5740

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: 760

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: 2682

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: 5914

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: 843
Views: 84873

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: 1355

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: 798

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: 16142

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: 740
Views: 95602

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: 216
Views: 14158

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: 740
Views: 95602

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: 9476

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: 810

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: 133
Views: 29138

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: 444
Views: 54479

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: 6113

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: 232
Views: 28175

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: 26530

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: 740
Views: 95602

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: 5297

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: 5599

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: 3169

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: 3404

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: 800

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...