Search found 824 matches

by Will do good
Sun Jun 16, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 25
Views: 1833

Re: Best way to teach my 4 year old to be fluent in Spanish?

Have you consider Chinese instead? In our school district less Spanish classes and more Chinese classes.
by Will do good
Fri Jun 14, 2019 6:26 pm
Forum: Investing - Theory, News & General
Topic: How have your homes as investments done?
Replies: 213
Views: 20900

Re: How have your homes as investments done?

Brought my house 29 years ago for $235K, remodel $100k, added on $90k.

Today house is worth approx $525K. A tiny gain of $100K after 29 years. Consider inflation, taxes, annual repairs, it's not good.

But my kids did growth up in a nice home and went to one of the best public schools in the country.
by Will do good
Tue Jun 11, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3504

Re: Preventing Identity Theft

Does anyone use LifeLock? I don't. I vaguely remember hearing that it was next to useless but really know nothing about it. I got an advertisement for it in the mail today and it made me wonder about it then I saw this active thread so I figured I'd ask. Don't use Lifelock. "LifeLock will pay $100 ...
by Will do good
Tue Jun 04, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 6827

Re: Tell us your side hustle success stories.

I was a ad agency creative for Fortune 500 clients, did freelance work for local/smaller clients for 20+ years. It bring in additional 20-30% income. When I was layoff after 25 years at the agency, I was able to use my skills and connections from running my freelance business to launched a full tim...
by Will do good
Tue Jun 04, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 6827

Re: Tell us your side hustle success stories.

I was a ad agency creative for Fortune 500 clients, did freelance work for local/smaller clients for 20+ years. It bring in additional 20-30% income. When I was layoff after 25 years at the agency, I was able to use my skills and connections from running my freelance business to launched a full time...
by Will do good
Sat Jun 01, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: What to do with a 24" analog CRT TV?
Replies: 56
Views: 2955

Re: What to do with a 24" analog CRT TV?

Broken Man 1999 wrote:
Fri May 31, 2019 5:51 pm
DanMahowny wrote:
Fri May 31, 2019 5:46 pm
It should fit in your trash can.
Wouldn't work in our little 'burb, the crew would leave it.

Broken Man 1999
Same here, we have to take it to their recycle center few miles away.
by Will do good
Thu May 30, 2019 5:43 pm
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 12718

Re: 2% withdrawal rate

skime wrote:
Wed May 29, 2019 3:18 pm
I'm of the opinion that a 2% withdrawal rate or less is the only prudent way to draw on one's portfolio for retirement before the age of 50.

Does anyone disagree with this opinion? If so, why?
I disagree, you are playing too fast and loose, I'm going for 1%WR.











/s
by Will do good
Wed May 29, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14559

Re: Can we afford to pay for our kid's college (at all)?

Let me be clear, I think my parents are insane for these choices and I'm fully prepared to give them my last dollar if they need it at some point in their lives. I don't necessarily think parents are obligated to make sacrifices to that extreme. But you don't get to drive a Porsche and live in a ma...
by Will do good
Sun May 26, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 16593

Re: Are you on Facebook?

No, I don’t trust FB as a company, they had lied many time about how they sell and managed their data.
by Will do good
Sat May 25, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Sending money to India.
Replies: 22
Views: 1716

Re: Sending money to India.

Good morning , I apologize if this has been asked before . I need to send about 15 k ( the limit for gift tax ) to my parents in India . What is the best way to do this ? If anyone on this forum has specific experience with this , would they mind sending me a private message ? Thanks a lot. Used xo...
by Will do good
Fri May 24, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2151

Re: Keeping old negatives from photos (why keep them?)

* how best to store digital photos in a format that will remain accessible (both which type of format (jpg, tif, etc) and what media (do you still have a CD drive?) After much thought, I have opted to "store" my digital photos by using online websites to print out photo albums of various lines of m...
by Will do good
Fri May 24, 2019 5:48 pm
Forum: Personal Consumer Issues
Topic: How Do You Organize Your Flash Drives?
Replies: 39
Views: 2689

Re: How Do You Organize Your Flash Drives?

If you are on a Mac you can use little snitch to control and monitor your web traffic so hacker can't log your key strokes and have the info send back to them without you knowing it. Also the new Macs have a build in T2 security chip that can help your concerns.
by Will do good
Fri May 24, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money to India.
Replies: 22
Views: 1716

Re: Sending money to India.

Good morning , I apologize if this has been asked before . I need to send about 15 k ( the limit for gift tax ) to my parents in India . What is the best way to do this ? If anyone on this forum has specific experience with this , would they mind sending me a private message ? Thanks a lot. Used xo...
by Will do good
Fri May 24, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2151

Re: Keeping old negatives from photos (why keep them?)

My family negatives from the 50's, 60's, 70's, 80's are like gold to me, those memories and histories worth as much as anything else I own. I had pay outside service* as well as scanned some of them myself t o archive for my family future generations . This scanning/archive is a on going process in...
by Will do good
Fri May 24, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Keeping old negatives from photos (why keep them?)
Replies: 26
Views: 2151

Re: Keeping old negatives from photos (why keep them?)

Old photos (specially color photos) will fade from non-archive paper and chemicals, think of color photos from the 60's & 70's and see how they are already changing, they won't last much longer. My family negatives from the 50's, 60's, 70's, 80's are like gold to me, those memories and histories wor...
by Will do good
Tue May 21, 2019 11:40 pm
Forum: Personal Investments
Topic: $400,000 gift to stepdaughter
Replies: 76
Views: 8685

Re: $400,000 gift to stepdaughter

A few points. I'll try to be brief. 1 - I'm sorry for your loss, OP. 2 - You are doing a very kind thing, sir. Much respect. 3 - The idea that 15k per year is basically nothing... I mean... WTH? I love this site, but I do think there is an income bias here. I can tell you that for the vast majority...
by Will do good
Mon May 20, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11301

Re: Should I encourage my kids to work in high school/college?

High school: Yes, teach them the value of money and to manage their time.

College: If Engineering or pre-med maybe no, but for others see #1 (hopefully some job in the career field or research assistant.)
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: 22
Views: 3647

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: 4763

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: 107
Views: 6562

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: 4718

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: 4352

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: 4352

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: 11277

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: 5135

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: 9464

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: 4734

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: 2938

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: 3508

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: 3508

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: 44274

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: 44274

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: 2317

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: 4915

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: 843
Views: 84900

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: 17
Views: 1570

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: 12183

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: 7279

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: 1949

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: 6263

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: 17846

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: 5614

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: 3956

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: 6070

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: 1677

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: 7099

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: 7099

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: 7099

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?