Search found 805 matches

by Will do good
Sun May 19, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: What can a $120K spending budget do in early retirement years?
Replies: 6
Views: 1510

Re: What can a $120K spending budget do in early retirement years?

Wouldn't your health care cost come down after your Medicare starts at 65?
by Will do good
Wed May 15, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Concerned about getting laid off
Replies: 47
Views: 4531

Re: Concerned about getting laid off

A story. As an aside: In my earlier working years, I decided to take the stress of worrying about being laid off (or fired) out of my life. Instead of empowering a company or personnel department to decide whether I had a paycheck, I empowered myself. How? By starting my own company (s). I figured ...
by Will do good
Wed May 15, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 106
Views: 6107

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

At the time I didn't realize I have achieved our goal, even if I did I wouldn't.
My goal is for our family benefit, I don't feel like rewarding my self was needed.

However, today we retired early and travel all over the world, maybe that's our reward :sharebeer
by Will do good
Mon May 13, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4626

Re: Careers in art

I majored in graphic design, ended up at a top international ad agency. Later started my own studio and made more money than I ever expected, retired early. DD also majored in graphic design, now a senior tech interface design consultant helping Fortune 500 clients in the U.S as well as overseas and...
by Will do good
Tue May 07, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4183

Re: wedding gift value

The average US wedding costs about $35k. So, $180 a person in cost, inclusive of venue, decorations, preparations, and so on, sounds like it is in this range and perhaps even lower than average. The average US wedding almost certainly does NOT cost $35K. Figures like that come, IIUC, from surveys f...
by Will do good
Tue May 07, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4183

Re: wedding gift value

My DD's wedding this August is a little over $200 per plate, we live in a HCOL city.
Yes you can go much lower, but there are much more expensive places too.
by Will do good
Fri May 03, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 10845

Re: Rarely used items that are worth having?

Printed copies of vital documents including IDs, birth certificates, etc. $200-$500 in cash, small bills (mostly $5 and $10, you wont be able to make change in an emergency) Atlas & local area maps (physical not digital) 2 weeks water stored (at least 1 gallon per person per day) hand operated wate...
by Will do good
Wed May 01, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Hiring a contractor to cut down some trees....what should I be aware of?
Replies: 89
Views: 4998

Re: Hiring a contractor to cut down some trees....what should I be aware of?

If your city require a permit, get it. Get the estimate in writing, get 3 estimates is better. Do they remove all the down trees and grid the stubs away? If the trees are close to your house (our giant tree was hang over the house), we wanted to know they are license and bonds with our village in ca...
by Will do good
Mon Apr 29, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9297

Re: EXTREMELY frugal things from our parents and grandparents

dm200 wrote:
Mon Apr 29, 2019 8:21 am
fru-gal wrote:
Mon Apr 29, 2019 7:16 am
RickBoglehead wrote:
Mon Apr 29, 2019 5:48 am
- Keep soap remnants, all held together with elastic bands. Don't know how he combined them later.
If you take the old small piece of soap, you can attach it to the new bar when they're both wet, and it will stay attached.
I do that now.
Me too :oops:
by Will do good
Fri Apr 26, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: For those with years on me...Can I afford this home?
Replies: 70
Views: 4685

Re: For those with years on me...Can I afford this home?

Here is what I see: 1) You have about $1 million in investments. Buying a this new house would cut that back to about $700k 2) You have a job that is high risk and not very stable though has the potential for good income when times are good. 3) Your spouse has a very stable job that likely is what ...
by Will do good
Fri Apr 26, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle courses
Replies: 33
Views: 2877

Re: Side Hustle courses

Or my other option is to find a new job since I am underpaid by about $25-40K on base and my bonus is almost non existent, vs the market bonus for my level is normally 15%, but I don't vest in my 401K until July and my company stock December, so I ideally would vest in those, the 401K is worth $15K...
by Will do good
Sun Apr 21, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Vacation home experiences?
Replies: 35
Views: 3445

Re: Vacation home experiences?

Duplicate
by Will do good
Sun Apr 21, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Vacation home experiences?
Replies: 35
Views: 3445

Re: Vacation home experiences?

I had one. I regretted the purchase soon after purchasing it. It was such a pain to pack food for the weekend and then clean the place thoroughly before we left on Sunday afternoon. I was always worried about water leaks/power failure/frozen pipes when we weren't there, although there are ways arou...
by Will do good
Sun Apr 21, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 313
Views: 44115

Re: KF's Worst Case Retirement Plan [KlangFool's]

Hey KlangFool, you are so very close to FI, OMY. What would you want to do once you do hit FI? Congrats. Will do good, Working on it. May work after FI if I can work from home and reduce the hours. 1) Singing lesson? 2) Coffee roasting? 3) Yoga? 4) Tai Chi? 5) More cycling 6) Blog on food, coffee, ...
by Will do good
Sun Apr 21, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 313
Views: 44115

Re: KF's Worst Case Retirement Plan [KlangFool's]

Hey KlangFool, you are so very close to FI, OMY.
What would you want to do once you do hit FI?
Congrats.
by Will do good
Sun Apr 21, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2272

Re: River cruise, Avignon to Lyon, France

Check the river level, up to the winter of 2019 much of the European rivers was almost ran dry, some river cruises were replaced by buses. Hope our Rhine river cruise in September will be ok, so far so good.
by Will do good
Sun Apr 21, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 4872

Re: Video Camera to check in on Elderly Parent

I set up Amazon Echos in each room of my 97-year-old father's apartment. These consist of one Echo and two of the smaller Dot versions. Any Echo device would work. I "drop in" on him several times a week using for chats. In addition, I opened an account for him at askmybuddy.net and installed the a...
by Will do good
Sat Apr 20, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 825
Views: 81288

Re: What frugal thing did you do today?

Hired a licensed and bonded tree trimmer to cut down my 4' diameter tree (approx 50'+ tall).

Saved myself ten's of thousands in hospital bill for my friends and I, so we don't have to clime up ladders with chainsaws. :sharebeer
Maybe saved my house too, as tree is less than 10' from the house. :D
by Will do good
Fri Apr 19, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 14
Views: 1001

Re: Air Purifier for Bedroom?

Check this out; The Best Air Purifier
https://thewirecutter.com/reviews/best-air-purifier/
by Will do good
Tue Apr 16, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 11999

Re: What Are Your Simple Pleasures?

Simple Asian food.
by Will do good
Sun Apr 14, 2019 2:37 pm
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 7175

Re: If you have plenty of money, why not 100% stocks in retirement?

If you have more than enough money, your portfolio in retirement is not for you, but for your heirs. In particular, some retirees have more than enough to live on from Social Security, pensions, and annuities. And in that situation, the asset allocation should depend on the needs of the people who ...
by Will do good
Sat Apr 13, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: China travel
Replies: 25
Views: 1919

Re: China travel

Try Gate 1 tours.
by Will do good
Fri Apr 12, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 6138

Re: Soon to be dad, how to prepare

Trust yourself and your wife. Don't get caught up in the crazy and stay off of parenting boards. Forgive yourself and your wife for mistakes you're going to make. Love your baby's mom. Believe in babysitters. Do not worry about brands of baby stuff, child-rearing techniques, breastfeeding durations...
by Will do good
Thu Apr 11, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17674

Re: Bogleheads, why won't anyone hire me?

You mentioned English is not your first language and you are a skilled soccer coach for children. Have you considered combining these? Soccer with foreign language immersion is a new offering in my metro (parks and rec, after-school offerings) and it's a hit. I don't think we've clarified if the OP...
by Will do good
Tue Apr 09, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Not much work at new megacorp job
Replies: 70
Views: 5549

Re: Not much work at new megacorp job

can I get a job at your company? :D
by Will do good
Mon Apr 08, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Are you annually spending in Real or Nominal Terms?
Replies: 63
Views: 3891

Re: Retirees: Are you annually spending in Rea sd Nominal Terms?

20 years retired living off of savings and SS. Expenses are not uniform, I think everyone retired would agree. What would you do when you purchase a new car one year and not the next.....or take a $20K cruise.....re-roof your house, etc. My "formula" is to take out an "average" of 4.5% per year. I ...
by Will do good
Sat Apr 06, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 136
Views: 5632

Re: Received a Ransomware email

I had them multi-times, It's a scam. Some even use my own email address to send the ransomware.
The scammers sounded like from out of the country, so there's not much can be done. Just move on.
by Will do good
Thu Apr 04, 2019 1:46 pm
Forum: Personal Investments
Topic: Advice for son begining to invest
Replies: 33
Views: 1654

Re: Advice for son begining to invest

Sometime advices from parents to kids are in one ear and out the other.
After landing their first full time jobs I gave all my adult kids "I Will Teach You To Be Rich" by Ramit Sethi.
I think young people explaining to young people about money and financial choices might be better than me lecturing.
by Will do good
Thu Apr 04, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7045

Re: What? No Income?

In my opinion, unless you have a particularly demanding job, you can easily continue to work while having time for things you enjoy. People tend to "hang on" longer than they need to, because working is fine - it doesn't hurt their ability to enjoy life and in fact, adds structure and social intera...
by Will do good
Thu Apr 04, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7045

Re: What? No Income?

Congrats to made it so early. I completely understand your fear of no more income, I consulted part time for 2 years, so it wasn't a full stop to no income and it helped me a lot. Maybe you can too? Your part time consultation job, did you end up working way less hours? More days off? Trying to com...
by Will do good
Wed Apr 03, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: What? No Income?
Replies: 62
Views: 7045

Re: What? No Income?

Congrats to made it so early.

I completely understand your fear of no more income, I consulted part time for 2 years, so it wasn't a full stop to no income and it helped me a lot. Maybe you can too?
by Will do good
Tue Apr 02, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16572

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

Before 50 I was part of the Mega-corp "Rangers" team, people who trouble shoot and fix problem accounts. But at 52 I was layoff for not meeting goals... For a guy that didn't meet company goals, I started my own business in the same field, made much, much more money and made many of my Fortune 500 c...
by Will do good
Sun Mar 31, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Lifelock
Replies: 15
Views: 945

Re: Lifelock

Lifelock is a scam. I would not use or trust them.

The government fined them multi-times for dishonest practice. Google it for yourself.
by Will do good
Sat Mar 30, 2019 12:17 am
Forum: Non-US Investing
Topic: Can Low income ppl become millionaire? [Hong Kong]
Replies: 38
Views: 2653

Re: Can Low income ppl become millionaire? [Hong Kong]

Welcome to BH. Since you are still so young, the best investment is yourself, can you earn a degree or certification to improve your future earnings? What about side hustles? Best of luck! I have no idea what should I want to study , My company have corporate will some university to hold a degree c...
by Will do good
Fri Mar 29, 2019 7:07 pm
Forum: Non-US Investing
Topic: Can Low income ppl become millionaire? [Hong Kong]
Replies: 38
Views: 2653

Re: Can Low income ppl become millionaire? [Hong Kong]

Welcome to BH. Since you are still so young, the best investment is yourself, can you earn a degree or certification to improve your future earnings? What about side hustles? Best of luck!
by Will do good
Fri Mar 29, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14555

Re: How often do you check your net worth?

Jan 1st and July 1st.
by Will do good
Thu Mar 28, 2019 3:20 pm
Forum: Personal Investments
Topic: My Life in Retirement - Thank You !!
Replies: 30
Views: 4086

Re: My Life in Retirement - Thank You !!

Hotrod, congrats!

Like you, finding BH was one of the more important event in our financial life :sharebeer
by Will do good
Tue Mar 26, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4786

Re: High School Senior Pictures

It doesn't ends at senior photos, now imagine a la cart wedding $$$.
by Will do good
Mon Feb 25, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Answering income question in a survey
Replies: 35
Views: 2714

Re: Answering income question in a survey

It is almost trivial to encode tracking numbers in the wording of questions or white space. Most large and legit firms don't go that far out to be sneaky. None of my past (Fortune 500) clients would. So many silly people are freely give out their info to Facebook already :oops: No - they hire a mar...
by Will do good
Mon Feb 25, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Answering income question in a survey
Replies: 35
Views: 2714

Re: Answering income question in a survey

I never fill out surveys with barcodes or tiny numbers on the corner of forms. Most likely tracking numbers. It is almost trivial to encode tracking numbers in the wording of questions or white space. Most large and legit firms don't go that far out to be sneaky. None of my past (Fortune 500) clien...
by Will do good
Fri Feb 22, 2019 5:43 pm
Forum: Personal Investments
Topic: Time taken to move from 4%to 3%?
Replies: 49
Views: 2723

Re: Time taken to move from 4%to 3%?

Even if it only takes 4 years to go from 25x expenses to 33x expenses, you still have lost 4 years of retirement. A 60 year old can expect on average to live to 81.5. While you are now less likely to run out of money (which wasn’t likely under 4%), on average you will have lost 18.6% of your retire...
by Will do good
Fri Feb 22, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Do you tip the guys at Home Depot?
Replies: 80
Views: 5057

Re: Do you tip the guys at Home Depot?

I try not to get into the tipping culture. I think it’s becoming ridiculous. When I was in France an American woman proceeded to tip the young woman who was a tour guide for cave art despite what I told her. Embarrassing, it was about $2. Who needs $2. You are not lording over people like that. At ...
by Will do good
Thu Feb 21, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Do you tip the guys at Home Depot?
Replies: 80
Views: 5057

Re: Do you tip the guys at Home Depot?

No, why do we feel we need to tip everyone?
by Will do good
Thu Feb 21, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - how confident are you?
Replies: 117
Views: 8109

Re: 4% SWR - how confident are you?

MnD wrote:
Thu Feb 21, 2019 10:49 am
flyingaway wrote:
Thu Feb 21, 2019 9:22 am
My approach to all these variable SWRs: If you do not feel comfortable about whatever SWR, working one more year (or several OMYs) will solve all your problems.
Dropping dead at the office has a 100% portfolio survival success rate! :beer
+100 :beer
by Will do good
Thu Feb 21, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Answering income question in a survey
Replies: 35
Views: 2714

Re: Answering income question in a survey

I never fill out surveys with barcodes or tiny numbers on the corner of forms. Most likely tracking numbers.

I use to work in the direct marketing business and know of some of the tricks they use to gather your data.
by Will do good
Thu Feb 21, 2019 12:30 am
Forum: Personal Finance (Not Investing)
Topic: 4% SWR - how confident are you?
Replies: 117
Views: 8109

Re: 4% SWR - how confident are you?

3% is the new 4% rule - Larry Swedroe. William Bernstein has also recommended this for those under 70. 4% was derived from significant back testing, given all its limitations. What is the 3% based upon? Speculation. +1 Like Homer says, if your 4% is not bare bones spending you would most likely be ...
by Will do good
Tue Feb 19, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Darn Tough Socks....Boxers???
Replies: 18
Views: 2079

Re: Darn Tough Socks....Boxers???

If you like the properties of merino wool, Costco sell socks in the fall for about $12 for 4 pairs.
by Will do good
Tue Feb 19, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 32910

Re: Early retirees, how much did you leave on the table?

More than I would like to think about.
by Will do good
Tue Feb 19, 2019 10:12 am
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8818

Re: How many bogleheads do you know in real life?

I know 3 others, all LBYM and read the BH forum and one joined us at Bogleheads conference.
Hopefully my kids will become a BH in the near future :sharebeer