Search found 62 matches

by AnonLady
Wed Dec 02, 2020 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Solar Panel Proposal
Replies: 37
Views: 2600

Re: Solar Panel Proposal

Hi fellow bogleheads, I just received a quote for solar panels on my roof. Please offer any insights as I am not compeltely sure if it makes sense. Roof is fairly new new as house is new construction from 2017. Quote and info: 22 panels (south facing all in teh back of the house) 1 inverter 6.71 kW...
by AnonLady
Wed Dec 02, 2020 10:29 pm
Forum: Personal Investments
Topic: Airbnb IPO offering for hosts - should I do it?
Replies: 26
Views: 1420

Re: Airbnb IPO offering for hosts - should I do it?

Darn, I just realized I had to pre-register by Nov 20th to be able to participate. I didn't see the email because I haven't been hosting in 2020 due to Covid. Good luck with your stock purchase! I would go for it if you can, but yeah, don't put in more than you are willing to lose.
by AnonLady
Wed Dec 02, 2020 10:20 pm
Forum: Personal Investments
Topic: Personal Finance Advice for New PhD
Replies: 27
Views: 2576

Re: Personal Finance Advice for New PhD

I finished my PhD in 2011 and have made serious progress since, buying a house and investing a ton towards my retirement. You may not earn a lot in academia, but having a long term mindset is probably the most important personality characteristic to financial wellbeing, not income. Lots of rich bro...
by AnonLady
Wed Dec 02, 2020 10:06 pm
Forum: Personal Investments
Topic: Best way to build an emergency fund?
Replies: 96
Views: 6807

Re: Best way to build an emergency fund?

I'm amazed to have accumulated so much in the investments at this point in time, but feel like I got carried away and haven't kept up the cash reserves. We are pretty similar actually. I Dave Ramsey-ed away my debt in 2011, then went all in on all my various tax advantaged retirement options and go...
by AnonLady
Wed Dec 02, 2020 9:58 pm
Forum: Personal Consumer Issues
Topic: Kitchen Pots and Pans - Any Recommendations?
Replies: 95
Views: 5410

Re: Kitchen Pots and Pans - Any Recommendations?

I think cast iron is the best for pans IMO. I bought a Lodge a few years ago and those things are champs, it will probably last me my whole life. Ideally you could get an old cast iron from a grandma who got one back when our steel was higher quality (I hear the turn of the century stuff is the best...
by AnonLady
Wed Sep 09, 2020 2:34 pm
Forum: Personal Investments
Topic: Best way to build an emergency fund?
Replies: 96
Views: 6807

Re: Best way to build an emergency fund?

I'm amazed to have accumulated so much in the investments at this point in time, but feel like I got carried away and haven't kept up the cash reserves. We are pretty similar actually. I Dave Ramsey-ed away my debt in 2011, then went all in on all my various tax advantaged retirement options and go...
by AnonLady
Wed Aug 26, 2020 1:34 pm
Forum: Personal Investments
Topic: Personal Finance Advice for New PhD
Replies: 27
Views: 2576

Re: Personal Finance Advice for New PhD

I finished my PhD in 2011 and have made serious progress since, buying a house and investing a ton towards my retirement. You may not earn a lot in academia, but having a long term mindset is probably the most important personality characteristic to financial wellbeing, not income. Lots of rich brok...
by AnonLady
Tue Aug 18, 2020 11:25 am
Forum: Personal Investments
Topic: Investing for medium term goals when you aren't maxing out tax-advantaged accounts
Replies: 13
Views: 873

Re: Investing for medium term goals when you aren't maxing out tax-advantaged accounts

Oh wow, this is a cool platform for replying, sorry, I just noticed how powerful this quoting reply feature is. The question becomes, really, should this money be invested at all? If you're using it in the next year or two most would say no. Another aspect of this that you might be missing is the di...
by AnonLady
Tue Aug 18, 2020 7:42 am
Forum: Personal Investments
Topic: Investing for medium term goals when you aren't maxing out tax-advantaged accounts
Replies: 13
Views: 873

Re: Investing for medium term goals when you aren't maxing out tax-advantaged accounts

I only put enough in 401k to get the full match. I have no need to put more in. I like having my money in a taxable account better. Better investment options and I have unfettered access free of penalties. I have different priorities than working until I'm 59.5 for someone else. I'm using my earnin...
by AnonLady
Tue Aug 18, 2020 7:36 am
Forum: Personal Investments
Topic: Investing for medium term goals when you aren't maxing out tax-advantaged accounts
Replies: 13
Views: 873

Re: Investing for medium term goals when you aren't maxing out tax-advantaged accounts

It’s really impossible to tell you much without knowing things like your income and expenses. If you make 50k I think maxing the 403b is quite optimistic. And you can’t be expected to max retirement at the expense of any large purchases your entire life. If you make 200k you have some problems. You...
by AnonLady
Mon Aug 17, 2020 6:36 pm
Forum: Personal Investments
Topic: Investing for medium term goals when you aren't maxing out tax-advantaged accounts
Replies: 13
Views: 873

Investing for medium term goals when you aren't maxing out tax-advantaged accounts

It is often recommended that one shouldn't start investing in taxable until one maxes out one's tax advantaged contributions. I have $19.5k left before I max out tax advantaged accounts, since I already invest in a 401a and max out my Roth IRA, but I also have access to a 403b/Roth 403b. I want to i...
by AnonLady
Tue Jun 23, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: View Refinancing as Bond Investment?
Replies: 11
Views: 540

Re: View Refinancing as Bond Investment?

Have you considered refinancing your 30-year? I just refinanced mine at 2.875%. Though I can easily afford to do a 15-year, it's really hard to say no to that rate, especially since it's so close to the 15-year rates. Where did you get that rate? I'm shopping for a 30 year mortgage that would be ne...
by AnonLady
Tue Jun 23, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: View Refinancing as Bond Investment?
Replies: 11
Views: 540

Re: View Refinancing as Bond Investment?

I currently have 22 years left on a 30 year mortgage at 3.5% and am considering refinancing into a 15 year mortgage at 2.5%. Based on various other postings/calculations (taking into account future deductions etc.), it seems like it makes sense to refinance if I think I can’t make more than 5% with...
by AnonLady
Wed Jun 10, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: How to be informed but tune out the noise?
Replies: 26
Views: 1854

Re: How to be informed but tune out the noise?

I tried going on an attention diet, an idea recommended by blogger Mark Manson awhile ago, but I have not been that successful. I definitely think it's a great idea. It's just so hard to avoid the news and current events, but he has recommendations for staying informed without getting sucked into th...
by AnonLady
Tue May 19, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - 15 year versus 30 year if both at same interest rate
Replies: 26
Views: 3735

Re: Mortgage - 15 year versus 30 year if both at same interest rate

Because of a promotion (move new money to brokerage), I am able to get a 2.375% interest rate on either a 15 year loan term or a 30 year loan term. I had always planned to go with 15 year, but with the rates equal, should it be an automatic decision to get the 30 year? What promotion!!!!???!!!!! I ...
by AnonLady
Tue May 19, 2020 5:10 pm
Forum: Personal Investments
Topic: Why No Roth 403b Option?
Replies: 9
Views: 536

Re: Why No Roth 403b Option?

My very large public university system only recently started offering a Roth 403b, although I doubt I will take advantage of it. I already have a Roth IRA that I max out and 401a, and if I invest over that it will probably just be a little bit extra in the regular 403b that I already have invested i...
by AnonLady
Tue May 19, 2020 4:53 pm
Forum: Personal Investments
Topic: Another debt or invest question
Replies: 27
Views: 1510

Re: Another debt or invest question

Would you "Dave Ramsey," this thing and focus solely on the loan, continue to invest, or a hybrid of two? That's a really low interest rate, so it's going to be easy to beat that with the market in the long run. Student loan interest is also tax deductible, although I don't know if you cu...
by AnonLady
Wed May 13, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Subaru 0% financing
Replies: 35
Views: 3079

Re: Subaru 0% financing

I went to a subaru dealership a few years ago and did a test drive and they had the same promotion at the time. I ended up not getting one, but maybe I will someday.
by AnonLady
Wed May 13, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: Wink moving to subscription platform. Hub will no longer work.
Replies: 18
Views: 1547

Re: Wink moving to subscription platform. Hub will no longer work.

Wow, I'm glad I saw this thread! I didn't get that email because it went to my old email account. Wow. I got my hub only to change the lock codes on my Schlage door locks, because I was doing Airbnb. There's no way I'm going to pay $4.99 for that, especially now that I'm not doing Airbnb. So now my ...
by AnonLady
Sat May 09, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3382

Re: Is it worth buying an infant car seat for each car.

I gave up on moving car seats about twice a week and now have one for each car. Is it worth your time moving car seats back and forth for infants or do you keep a one in each car. Cost of a car seat we bought was $190. Fiancé thought it was a little ridiculous to buy another one instead of transfer...
by AnonLady
Fri May 08, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 596
Views: 79335

Re: What lifestyle creep made you happier?

I'm curious for those who were able to make increase in their lifestyle, what things actually made you happier? 1. House cleaning help 2. Regular massages I was going to say Roomba made me happier. +1 on the massages as well. Oh, and increasing the food budget. You convinced me to get a Roomba or o...
by AnonLady
Fri May 08, 2020 6:29 pm
Forum: Personal Investments
Topic: How do I get out of home a partnership agreement?
Replies: 42
Views: 3128

Re: How do I get out of home a partnership agreement?

I don't know your brother's situation, but I would be happy to get the down payment back at all at this point, if you can manage to get that back without totally losing any ability to be in the same room with your brother, I'd call it a win and a lesson learned.
by AnonLady
Wed Apr 29, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: SHould I have my kid pursue coursera / edx courses?
Replies: 19
Views: 1293

Re: SHould I have my kid pursue coursera / edx courses?

I have been auditing a course on Coursera that is actually taught by a professor from the University that I did my PhD at, to learn some new skills for work. I'm planning on taking a Python course in Coursera after that. It only costs $70 a month, that's such a steal in the higher education world. I...
by AnonLady
Wed Apr 22, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Delay mortgage payments under CARES Act
Replies: 73
Views: 5046

Re: Delay mortgage payments under CARES Act

Hmm, I never considered this but it's an option to consider. My income is much lower now because I usually run an Airbnb and I had just redecorated my Airbnb and was going to put it on the market in Feb, but I thought better of it due to the Coronavirus. I've been watching the virus closely in China...
by AnonLady
Wed Apr 22, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35453

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Uh oh, this is the first I heard of the EIDL program that I believe I qualify for, as a sole proprietor run Airnb short term rental business owner, and now it looks like they are out of funds already. I don't believe I qualify for PPP because I don't have any payroll, I'm the only one the business ...
by AnonLady
Wed Apr 22, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35453

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Uh oh, this is the first I heard of the EIDL program that I believe I qualify for, as a sole proprietor run Airnb short term rental business owner, and now it looks like they are out of funds already. I don't believe I qualify for PPP because I don't have any payroll, I'm the only one the business p...
by AnonLady
Mon Feb 10, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 15118

Re: Wife's oncologist has stopped treatment, is recommending hospice

I'm so sorry to hear about that. I can't offer any advice, but I wish you both the best and pray for a miracle.
by AnonLady
Fri Feb 07, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 434
Views: 32042

Re: What is the best concert you ever witnessed?

Nine Inch Nails, Red Rocks, 2014
by AnonLady
Fri Feb 07, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: Easiest place to download historical stock price data?
Replies: 2
Views: 239

Easiest place to download historical stock price data?

I'm teaching a statistics class this semester and we just discussed the binomial distribution. I wrote an exam question where I want to give them the frequency distribution of up or down days, years and 5 year periods (ie 3 graphs) and I would like to use real world S+P 500 index prices to make thes...
by AnonLady
Thu Feb 06, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: Anywhere to go for advice on furnishing/decorating apartment?
Replies: 24
Views: 1561

Re: Anywhere to go for advice on furnishing/decorating apartment?

Soon to be divorced. I am pretty clueless on decorating, where to place furniture, tables, lamps, chairs, pictures etc. Wife used to have a good eye for that. Just moved into a new apartment. Should be here 1-2 years. I want to make the place more 'homey and inviting for me and guests'. I think the...
by AnonLady
Fri Jan 31, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: LBYM vs Not Really Wanting More (NRWM(?))
Replies: 78
Views: 6653

Re: LBYM vs Not Really Wanting More (NRWM(?))

I'm in the process of finding more balance because I was doing Dave Ramsey's baby steps to get out of debt and it was too extreme for me. Now I'm following my own plan, saving a larger emergency fund while I get out of debt and funding my Roth to the max because I can never get that Roth space back....
by AnonLady
Fri Jan 31, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4782
Views: 1297364

Re: What Book Are You Currently Reading? Part VI

The Neutronium Alchemist, second in the series started with The Reality Dysfunction, by Peter Hamilton. Apparently the trilogy is called the Night's Dawn Trilogy. I don't know about the last book yet, but so far the first two are both >1000 pages. I like them a lot but they are a big commitment. Sc...
by AnonLady
Fri Jan 31, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 216
Views: 19321

Re: Examples of Low Tech Improving Your Life

Cast iron is awesome, although stainless is also pretty tough. Cast iron will last longer than your body will. The best cast iron skillets are from the early 1900's, but they are hard to find. If you can get one from your grandparents you are lucky!
by AnonLady
Wed Jan 29, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4782
Views: 1297364

Re: What Book Are You Currently Reading? Part VI

The Neutronium Alchemist, second in the series started with The Reality Dysfunction, by Peter Hamilton. Apparently the trilogy is called the Night's Dawn Trilogy. I don't know about the last book yet, but so far the first two are both >1000 pages. I like them a lot but they are a big commitment. Sci...
by AnonLady
Wed Jan 22, 2020 8:40 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 28603

Re: Sad news: LadyGeek's husband has passed

I'm so sorry for your loss.
by AnonLady
Mon Jan 20, 2020 9:39 pm
Forum: Personal Investments
Topic: Understanding short term saving goals
Replies: 2
Views: 351

Re: Understanding short term saving goals

Ally has a 12 month CD that gives you 2%.
by AnonLady
Mon Jan 20, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Discounted IVF medication programs for higher income people?
Replies: 12
Views: 1603

Re: Discounted IVF medication programs for higher income people?

I also just remembered that there was a local FB group where gals with extra meds after their cycle was over would sell the to other local gals. Maybe search out a local infertility group on FB? Isn’t that illegal? I'm not sure if they were selling them, tbqh, I never joined the group bc I'm not on...
by AnonLady
Mon Jan 20, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Discounted IVF medication programs for higher income people?
Replies: 12
Views: 1603

Re: Discounted IVF medication programs for higher income people?

I also just remembered that there was a local FB group where gals with extra meds after their cycle was over would sell the to other local gals. Maybe search out a local infertility group on FB? Isn’t that illegal? I'm not sure if they were selling them, tbqh, I never joined the group bc I'm not on...
by AnonLady
Fri Jan 17, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to reduce spending -- suggestions?
Replies: 73
Views: 6768

Re: How to reduce spending -- suggestions?

When I was tracking money closely I used a speadsheet. For a while I used the free spreadsheet offered by pear budget. Many people swear by "you need a budget" (YNAB). I'm one of them. Love it. I really didn't want to spend money on my budgeting software, but YNAB is so powerful and makes...
by AnonLady
Thu Jan 16, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Discounted IVF medication programs for higher income people?
Replies: 12
Views: 1603

Re: Discounted IVF medication programs for higher income people?

I know what you mean! I just spent $7k on meds and $11k on a IVF cycle with a local doctor, and that was a really good deal. Hopefully it works. I also just remembered that there was a local FB group where gals with extra meds after their cycle was over would sell the to other local gals. Maybe sear...
by AnonLady
Wed Jan 15, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 353
Views: 97944

Re: Found hidden safe, should we crack?

Richard Feynman would do it for free, just for the fun of it.
by AnonLady
Wed Jan 15, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: what to do with old engineering text books
Replies: 72
Views: 5903

Re: what to do with old engineering text books

I'll take them!!!! They sound like cool books.
by AnonLady
Wed Jan 15, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: strong role model books for 8 YO girl
Replies: 53
Views: 3520

Re: strong role model books for 8 YO girl

My favorite book as a kid was "A Little Princess". It has a great main character who makes lemonade whenever life gives her lemons, who is an excellent role model IMO.
by AnonLady
Wed Jan 08, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: Irrational Fear of Injury in Small Car?
Replies: 124
Views: 8335

Re: Irrational Fear of Injury in Small Car?

I had a 99 Saturn SL2 that died in the Fall and I replaced it with a 99 Chevy Lumina, larger and much more solid. I was hit in a hit and run accident a couple of months ago and it made me appreciate my "new" car. Once I'm out of debt and have a good Emergency fund, I'm going to buy a newer...
by AnonLady
Fri Dec 20, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situation
Replies: 101
Views: 10478

Re: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situati

So if you wanted to 'graduate' from a old cc to a better rewards cc, wouldn't you still need to close your old account? Have you ever used Mint? Do you still prefer YNAB over it? I'm currently using EveryDollar premium but I'd rather pay nothing and have the ability to track credit cards and such. ...
by AnonLady
Fri Dec 20, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situation
Replies: 101
Views: 10478

Re: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situati

Oh, it's nice to know I'm not the only one! I feel like anyone but the Dave Ramsey community just completely bags on the Ramsey crowd to an unfair, and often unjustified, way. However, this forum has been quite refreshing so far! Why do you regret cancelling your cards? Simply because you missed 6 ...
by AnonLady
Thu Dec 19, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situation
Replies: 101
Views: 10478

Re: Introduced to Bogleheads today coming from the Dave Ramsey world and looking for general input on my current situati

My wife and I have decided to try and save up and pay for a house in cash based on the spike in income I will experience within the next two years and simply because we've seen an amortization table. Because of this, we have stopped contributing toward our investment accounts (aside from 5% gross f...
by AnonLady
Wed Dec 18, 2019 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone here surviving without a credit card?
Replies: 85
Views: 4458

Re: Is anyone here surviving without a credit card?

Thanks! That's a bit excessive for me to do daily, but I think I will pay them off weekly. I just want to make sure I don't fall into old habits and get behind one month again. It will also keep down my credit utilization. Win win! My credit score dropped since I refinanced (age of credit down) and ...
by AnonLady
Wed Dec 18, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Casual slip on shoes
Replies: 25
Views: 2682

Re: Casual slip on shoes

For females, I like Dansko clogs a lot.