Search found 66 matches

by PhoebeCoco
Tue Oct 20, 2020 10:53 pm
Forum: Personal Consumer Issues
Topic: Meditation Guides?
Replies: 58
Views: 2628

Re: Meditation Guides?

For stress reduction, I would recommend yoga over meditation.

You can do an experiment: Try one hour of yoga. Try one hour of meditation. See how you feel stress-wise after each one.
by PhoebeCoco
Sun Oct 18, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5914
Views: 1395372

Re: What Movie Have You Recently Watched?

"Kim" on Amazon Prime, based on the novel by Rudyard Kipling. An excellent adventure story set in India in the 1880s. The main character is an orphaned British boy, played by a young Dean Stockwell. Also starring the very dashing Errol Flynn. When I was younger I was madly in love with Errol Flynn, ...
by PhoebeCoco
Thu Oct 15, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: "The Psychology of Money" by Morgan Housel
Replies: 46
Views: 9645

Re: "The Psychology of Money" by Morgan Housel

I enjoyed the book very much. The story of the tech executive throwing gold coins into the ocean, then, when he broke a lamp in the hotel, paying the hotel manager $5000 to replace it, instead of the $500 the manager asked for, because the tech exec felt "insulted", reminded me of a recent story on ...
by PhoebeCoco
Thu Oct 08, 2020 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 224
Views: 16804

Re: Is programming still a valuable skill to learn?

Anything that teaches people to use logic more than they do today is extremely valuable. Your comment resonated with me. As someone who works outside of technology, would you recommend any resources that would explain this concept more? I’m a fan of college level discrete mathematics for this. And ...
by PhoebeCoco
Thu Oct 08, 2020 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 224
Views: 16804

Re: Is programming still a valuable skill to learn?

Anything that teaches people to use logic more than they do today is extremely valuable.
by PhoebeCoco
Wed Sep 30, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Friend on the verge of financial ruin, how to help?
Replies: 137
Views: 15710

Re: Friend on the verge of financial ruin, how to help?

depressed wrote: Tue Sep 29, 2020 10:25 pm I think it would be fine to ask your lifelong friend if she is okay with you transferring $1,000 per month to her checking account for a year until she and her daughter can get back on her feet. That's what friends do for friends when they are able to do so.
Are you serious????
by PhoebeCoco
Sun Sep 27, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2214
Views: 234538

Re: [What TV Show Have You Recently Watched?]

I wish I could travel. I've been working my way down this list: https://www.iheartbritishtv.com/70-delightful-british-travel-shows-on-amazon-prime-video/ I love the word "delightful" in describing these shows. My life could certainly use more delight right now. So far I have watched: Seasons 7 to 10...
by PhoebeCoco
Mon Sep 21, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Any retirees thought about cutting spending in March 2020?
Replies: 53
Views: 3836

Re: Any retirees thought about cutting spending in March 2020?

Like many people who posted here, my spending got cut naturally because there was nothing I could spend money on. I have a 7-year cash buffer. Some people may think this would be too high for them, but it allows me to sleep well, even through pandemics and stock market ups and downs. Good sleep is p...
by PhoebeCoco
Fri Sep 18, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Elder abuse? Elderly woman sold home for far less than market value
Replies: 50
Views: 4846

Re: Elder abuse? Elderly woman sold home for far less than market value

I am also surprised at the number of responses that suggest this is a valid transaction. I have some experience of this in my family - an elderly relative took up with a younger woman in his old age, left her the house, and - so I heard - she gave the house to her daughters who sold it for money fo...
by PhoebeCoco
Fri Sep 18, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Elder abuse? Elderly woman sold home for far less than market value
Replies: 50
Views: 4846

Re: Elder abuse? Elderly woman sold home for far less than market value

I am also surprised at the number of responses that suggest this is a valid transaction. I have some experience of this in my family - an elderly relative took up with a younger woman in his old age, left her the house, and - so I heard - she gave the house to her daughters who sold it for money for...
by PhoebeCoco
Fri Sep 18, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Elder abuse? Elderly woman sold home for far less than market value
Replies: 50
Views: 4846

Elder abuse? Elderly woman sold home for far less than market value

This is a situation that I heard about (and verified on Zillow), but am not directly involved in. As I get older, however, I am more concerned with learning about elder abuse - how to recognize it, how not to be a victim. The situation: An elderly divorced woman sold her house to a "friend" for far ...
by PhoebeCoco
Thu Sep 17, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51538

Re: How to get over finance envy

Sheesh! OP, you are in the top 1% in the world in terms of wealth! Maybe you should travel more and see how most of the world lives!
by PhoebeCoco
Sun Sep 06, 2020 3:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5914
Views: 1395372

Re: What Movie Have You Recently Watched?

Funny Face on Amazon Prime Video. It stars Fred Astaire and Audrey Hepburn. Astaire is a fashion photographer who just happens to be a fantastic dancer. Audrey Hepburn is a philosopher who works in a bookstore and just happens to be a fantastic dancer also. Amazing displays of dancing and athleticis...
by PhoebeCoco
Sun Sep 06, 2020 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on condos?
Replies: 65
Views: 5879

Re: Thoughts on condos?

I want to put in a positive note for condos, but my condo situation sounds unusual, and better than most of the other people who posted against condos. I live in the VHCOL Bay Area. In 2002, my partner and I decided to buy a house. We qualified for a mortgage. For THREE YEARS we were massively outbi...
by PhoebeCoco
Wed Aug 26, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9841

Re: how often do you check your net worth?

I use a spreadsheet to track my net worth. I update it on the first day of the month. During the month, I take a quick look at SPX at the end of each trading day. If it is up from the previous day, I update my spreadsheet. If it is down from the previous day, I don't make any changes. This gives me ...
by PhoebeCoco
Wed Aug 19, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Approach to "News" Consumption
Replies: 82
Views: 4527

Re: Approach to "News" Consumption

I no longer find reading the new a worthwhile use of my time. Instead, I focus on reading books, which includes longer and more detailed non-fiction history works. You may find this interesting: Avoid News: Towards a Healthy News Diet By Rolf Dobelli I enjoyed this article very much. Thanks for pos...
by PhoebeCoco
Fri Jul 31, 2020 5:30 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 172
Views: 10911

Re: Who is your favorite fiction author and what is your favorite book of theirs?

As a teenager, I read and re-read two books so often that I practically had them memorized. They were "The Complete Sherlock Holmes" by A. Conan Doyle, and "The Lord of the Rings" by J.R.R. Tolkien. As an adult, I have never found any author who matches those two. I am in the processing of re-readin...
by PhoebeCoco
Wed Jul 29, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 242
Views: 22975

Re: Books that changed your life

The Alexandria Quartet, by Lawrence Durrell

Zen Mind, Beginner's Mind, by Shunryu Suzuki

Both, in their very different ways, introduced me to the cognitive distortions I was living in and taking for granted (before I knew the term "cognitive distortion").
by PhoebeCoco
Sun Jul 26, 2020 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: On-call on weekends ?
Replies: 65
Views: 6298

Re: On-call on weekends ?

Welcome to the world of IT, Yes it sucks. Hope that you will eventually get a 4th person so you can rotate every month. I plan to do like others and FIRE in my early 50s. I Have 10-11 years to go as well... At mega Mega corp, things are looking pretty dicey lots of talk of budget cuts, squeezing IT...
by PhoebeCoco
Sat Jul 25, 2020 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: On-call on weekends ?
Replies: 65
Views: 6298

Re: On-call on weekends ?

I was on a 3-week on call rotation for several years. It was expected. If I had brought it up to management, they would have laughed, then shown me the door. I did actually voice a mild complaint once to my manager about some weekend work, and she threatened to fire me. I backed down very quickly! T...
by PhoebeCoco
Mon Jul 20, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: cheap, easy, temporary heat blocking stuff for windows?
Replies: 44
Views: 2513

Re: cheap, easy, temporary heat blocking stuff for windows?

Blackout shades. You can buy cheap paper or vinyl versions from Amazon:

https://www.amazon.com/dp/B07D4CF2GF/ref=dp_cerb_2
by PhoebeCoco
Wed Jul 15, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 112
Views: 12091

Re: what is your weekly workout routine?

Long run on Saturday with my running partners - 5-8 miles.
2 shorter runs during the week - 3 miles each.
1 hour plus bike ride sometime during the week.
2 minute plank every day.
by PhoebeCoco
Wed Jul 15, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Which household items have made your life easier/more convenient/happier?
Replies: 82
Views: 6717

Re: Which household items have made your life easier/more convenient/happier?

Telephone which wasn't a party line; air-conditioning and a washing machine. The microwave is nice. You can tell I'm old. I remember telephone party lines! I did have air conditioning and a washing machine growing up. No microwave though. Of course no internet. Can't imagine going without that now.
by PhoebeCoco
Wed Jul 15, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Which household items have made your life easier/more convenient/happier?
Replies: 82
Views: 6717

Re: Which household items have made your life easier/more convenient/happier?

Microwave (but aren't these standard now in every kitchen?) Keurig https://www.amazon.com/dp/B018UQ5AMS/ref=sr_1_7?dchild=1&keywords=keurig+machine&qid=1594822867&sr=8-7 Smart water leak detectors https://www.amazon.com/gp/product/B0748RK2XQ/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 Simple doo...
by PhoebeCoco
Wed Jul 08, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 47475

Re: College in fall

My "college experience" was that I had to pay for it myself, and I was always worried that my fragile financial situation (despite grants and loans) would come crashing down and I would be tossed out, having to take a minimum wage job with no future. I would have LOVED it if there had been free or a...
by PhoebeCoco
Sun Jul 05, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: Neighborhood Noise
Replies: 189
Views: 13469

Re: Neighborhood Noise

I have used this white noise machine for several years: https://www.amazon.com/Portable-Relaxing-Soothing-Charging-Auto-Off/dp/B00A2JBMRE/ref=sr_1_6?dchild=1&keywords=white+noise+machine&qid=1593988213&sr=8-6 I turn it on every night when I go to bed, and turn it off in the morning. It works perfect...
by PhoebeCoco
Sun Jun 28, 2020 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer in Bay area - things to consider?
Replies: 68
Views: 6731

Re: Job offer in Bay area - things to consider?

As well as the horrible commute from Berkeley or Oakland, you might want to consider that homelessness is out of control in those two cities. I would not advise anyone to move to either of them, unless they have a high tolerance for disgust.
by PhoebeCoco
Sun Jun 14, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12315

Re: Do you reward yourself for achieving a financial goal?

heyyou wrote: Wed May 15, 2019 5:11 pm My reward for 25+ years of living below my means was retiring at 55, into the best years of my life.
Good luck to those who still need a job.
I agree with this one. Early retirement is the best reward there is!

When I worked, I incentivized myself by allowing myself to eat a pastry every day.
by PhoebeCoco
Fri Jun 12, 2020 1:34 pm
Forum: Investing - Theory, News & General
Topic: Frequency of Withdrawals in Retirement
Replies: 50
Views: 4146

Re: Frequency of Withdrawals in Retirement

I withdraw quarterly and pay my estimated quarterly taxes at that time, added on top of the money I am withdrawing.
by PhoebeCoco
Fri Jun 05, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 183
Views: 10291

Re: Tips to stick to a weight loss diet?

Trism wrote: Fri Jun 05, 2020 4:07 pm

Breakfast: 300 calories (Egg McMuffin)
Lunch: 640 calories (2 grilled chicken sandwiches from Chic-Fil-A)
Dinner: 850 calories (Wendy's single and a regular fry)
This must have been a very inexpensive diet as well!!
by PhoebeCoco
Wed Jun 03, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24996

Re: Are you still going to the grocery store or using a delivery service? Which?

SF Bay Area resident. I luckily signed up for a regular CSA box delivery in January, which provides me with fresh vegetables. I had used the service in the past, and decided to renew as part of a healthier new decade. (I had decided that the 2020s were going to be the best decade of my life - so far...
by PhoebeCoco
Fri May 29, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5914
Views: 1395372

Re: What Movie Have You Recently Watched?

The Scarlet and the Black , on Amazon Prime Video. Based on a true story, about an Irish priest working in the Vatican in WW2 who saves escaped Allied POWs while Rome is under the control of the Nazis. Excellent cast. Gregory Peck plays the priest. Christopher Plummer plays the Nazi colonel in char...
by PhoebeCoco
Sat May 23, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 183
Views: 10291

Re: Tips to stick to a weight loss diet?

Whole 30 worked for me. I have eliminated dairy from my diet completely, and lost (and kept off) 15 pounds.
by PhoebeCoco
Tue May 19, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20806

Re: What is your most luxury/expensive hobby.

I used to be a professional hunter/jumper trainer (English horseback riding) so I actually got paid to ride and show really expensive horses. Then, after 15 years as a pro, I transitioned back to being an amateur and even though I kept my horses at home and hauled my horses to shows, I easily spent...
by PhoebeCoco
Tue May 19, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4961

Re: How did you determine your target savings rate?

I save what I don’t spend. Not the other way around. Your mileage may vary. Like it Me too. I do an ROI analysis of every potential expenditure, aside from the necessities (basic food, clothing, housing). Few things are actually worth the money in terms of the pleasure received. My favorite activit...
by PhoebeCoco
Sat May 16, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: How did you feel after giving notice to retire?
Replies: 52
Views: 4588

Re: How did you feel after giving notice to retire?

My manager asked for volunteers to retire. If no one retired, we would have layoffs. I took this as a sign that I should retire. Financially, I could have retired anywhere from 1-3 years earlier. 2 of us retired in my unit. When I gave notice, my manager said, "I didn't mean YOU". I told him I would...
by PhoebeCoco
Tue May 12, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57797

Re: How to get Toilet Paper ? seriously.

I have been doing Whole Foods free delivery since the lockdown started, but for the past week or so, I've tried to order TP from them and they have been sold out. Encouraged by the fact that a local bakery re-opened yesterday, and fortified by several artisanal pastries, I ventured out to my local S...
by PhoebeCoco
Wed Apr 22, 2020 1:59 pm
Forum: Personal Investments
Topic: Retirees: Walk me thru your portfolio drawdown process
Replies: 39
Views: 3852

Re: Retirees: Walk me thru your portfolio drawdown process

I have a pension that pays 2/3 (or more, depending on variable spending) of my expenses. Given this high degree of safety, I am comfortable with my AA, which is, at present, 12% cash, 88% index funds. Before I retired, I moved enough money from index funds to cash to last (on top of my pension) for ...
by PhoebeCoco
Tue Apr 14, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5914
Views: 1395372

Re: What Movie Have You Recently Watched?

cheese_breath wrote: Sat Apr 11, 2020 9:57 pm Just finished Sharpe's Peril (long version).

That's 16 Sharpe's movies in a row. I need a break. :happy
Now test yourself and see if you can remember all 16 separate plots!

I read the books but they started to blur together in my mind.
by PhoebeCoco
Sun Apr 12, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2214
Views: 234538

Re: [What TV Show Have You Recently Watched?]

For those of us who are addicted to British TV, Acorn TV is a great resource. They are offering a 30 day free trial. I've been watching Agatha Raisin - a very fun and colorful series about a successful PR exec who sells her London business and retires to the Cotswolds and somehow gets involved in so...
by PhoebeCoco
Sun Apr 05, 2020 6:45 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16960

Re: What percentage of your paycheck do you invest?

I was lucky to work at a public institution that offered both 403b and 457b tax-advantaged investment accounts. I maxed these out every year for 18 years, and when I turned 50, I maxed out the catch-up portion for both also. This ranged from 27% to 37% of my salary.

Happily retired now.
by PhoebeCoco
Fri Apr 03, 2020 10:02 am
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13868

Re: Safest way to get food

I also like Amazon's Whole Foods delivery. I discovered it last week, when I was trying to find toilet paper. They had some in stock! A 12-pack! Whee! :happy I'm now stocking my Amazon Whole Foods cart for the next delivery. I've noticed that this will keep me from those impulse purchases I make whe...
by PhoebeCoco
Thu Apr 02, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 9070

Re: Did you move for better weather? Did you regret it?

phxjcc wrote: Thu Apr 02, 2020 12:33 am Winter in the desert, summer at the beach...do not regret it AT ALL.
This is what I'm looking at. What desert/beach combo(s) do you recommend?
by PhoebeCoco
Mon Mar 30, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57797

Re: How to get Toilet Paper ? seriously.

I scored a 12-pack from Amazon/Whole Foods online today. First time since the crisis started! Previously, every time I would add toilet paper to my cart, I would get a message saying "This item has become suddenly unavailable." Can't wait for my delivery in the next 2 hours! And I thought Amazon del...
by PhoebeCoco
Fri Mar 27, 2020 1:31 pm
Forum: Investing - Theory, News & General
Topic: So, Where Are You *Back* To in Time? (And Were You Happy Then?)
Replies: 63
Views: 3992

Re: So, Where Are You *Back* To in Time? (And Were You Happy Then?)

I retired in June 2018. My investment portfolio today is almost exactly what it was then. I was ecstatic to be able to retire! I promised myself that I would never complain about anything ever again. I didn't expect to be tested by a pandemic which included a severe toilet paper shortage. But I have...
by PhoebeCoco
Tue Mar 24, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: What credit card are you using that is not Citi 2% cashback?
Replies: 57
Views: 7374

Re: What credit card are you using that is not Citi 2% cashback?

Amazon Prime Chase Visa. 5% back on Amazon/Whole Foods. Got a free Whole Foods grocery delivery yesterday; very useful.
by PhoebeCoco
Sun Mar 22, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 319
Views: 23522

Re: So what are you cooking

I discovered you can make a steak dinner in a slow cooker. This is great for me, because I don't have a grill. I put some olive oil in my slow cooker, then garlic and salt and pepper. Put the steak in. Wrap some chopped potatoes and carrots in aluminum foil, and put them on top. Cook for 3 hours on ...
by PhoebeCoco
Mon Feb 24, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8683

Re: How quickly did you receive your 2019 tax refund?

PhoebeCoco wrote: Sat Feb 22, 2020 10:22 am E-filed with TurboTax on 2/16.
Received federal refund 2/21. Blindingly fast!

Have not yet received state refund (CA).
Received state refund today.