Search found 655 matches

by Will do good
Sun Aug 12, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Comfortably Retired and charity giving?
Replies: 25
Views: 1930

Re: Comfortably Retired and charity giving?

However, I plan on buying my way into the promise land on my last trick by donating 100% of my estate to charity. What do others do? I just checked with god. He told me it does not work that way. However, I plan on buying my way into the promise land on my last trick by donating 100% of my estate t...
by Will do good
Fri Aug 10, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 210247

Re: Share your net worth progression

Coming from a low income-low expense country, I need only about USD 220K to retire. Here is how my NW has moved: All amounts as on 31st Dec, in USD at current exchange rate (Aug 2018): 2013: 6K (age 27, fresh out of post-grad) 2014: 16K (age 28) 2015: 23K (age 29) 2016: 32K (age 30) 2017: 40K (age ...
by Will do good
Wed Aug 08, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14094

Re: Will you pay for your kids' college/graduate education?

Yes, completely. We are lucky we can paid for all three. Even if we have to move to a smaller home, take on a second jobs we would have been happy to do it. What's the point of having children if you don't give them every opportunity to be independent and successful? We wouldn't be happy to eat out ...
by Will do good
Thu Jul 26, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Millions of LifeLock email addresses may have been exposed
Replies: 17
Views: 1619

Re: Millions of LifeLock email addresses may have been exposed

Why does anyone trust this company???? 2010- Thieves Steal LifeLock CEO's ID 13 Times http://marketingshmarketing.net/post/130466094301/lifelock-marketing-fail-ceo-get-hacked-13-times 2015- LifeLock was fined by the FTC for $100 million https://www.cbsnews.com/news/ftc-hits-lifelock-again-with-100-m...
by Will do good
Mon Jul 16, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5219

Re: Bears!!!

Do you have a extra freezer in the house? My DW keeps fish/meats and bones frozen in the freezer (in smaller bag) until the day of garbage pick up. This way our garbage doesn't smell and the raccoons don't come around anymore. Edit: btenny is correct, you don't need an extra freezer. DW use 2-3 Gal ...
by Will do good
Sun Jul 15, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: FireCalc: How big a grain of salt?
Replies: 58
Views: 4694

Re: FireCalc: How big a grain of salt?

OMY and you will be fine, if still fearful than another OMY. OMY. OMY. OMY. OMY.

To be honest, if BH could be in trouble by not having enough, imagine what the rest of the country/world would be like. YOLO :sharebeer
by Will do good
Sun Jul 15, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7171

Re: Anyone not have a Budget?

Never had a budget, we always spend much less than we earn. We were lucky.
by Will do good
Sun Jul 15, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you buy a primary residence?
Replies: 46
Views: 3958

Re: How often do you buy a primary residence?

Would you keep moving after having kids? Will their school change for the better after each move?
Is your children's friends and friendships important?
by Will do good
Sat Jul 14, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14084

Re: Early retirement

My friends were mostly happy for me to retired early. I don't think most people care about what the other people are doing, they are too busy with their own life.
by Will do good
Thu Jul 12, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8181

Re: Tipping at non sit down places

No way, Americans over tip as is.
by Will do good
Thu Jul 12, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14925

Re: COMING SOON: BOGLEHEADS PODCASTS

Looking forward to it.
by Will do good
Fri Jul 06, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3649

Re: Anyone Tried Costco Travel Packages?

We have booked 2 international cruises with Costco and they where much better value than do it on our own. One travel agent of my sister say they can't match Costco's prices.
by Will do good
Thu Jul 05, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9390

Re: What time do you get up in the morning?

This morning 8:45. I'm retired :D
by Will do good
Thu Jul 05, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6945

Re: Walking Coast-to-Coast

That's amazing. Congrats.
by Will do good
Tue Jul 03, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 414
Views: 96850

Re: Pull-ups and Push-ups

I have been doing Mark Lauren body weight training for 5+ years. Monday push workout 5x 25 Feet elevated push up 5x 20 Military press 5x 20 Close grip push up 5x 35 Dips Tuesday 60 Minutes cardio Wednesday leg workout 3x 25 Bulgarian split squats on each leg (with 2 second hold) 3x 25 side lunges (w...
by Will do good
Mon Jul 02, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees- How hard is it to dial spending down/up?
Replies: 38
Views: 2752

Re: Retirees- How hard is it to dial spending down/up?

A pretty consistent theme here is that after doing research using firecalc/monte carlos, many people suggest during "down" markets in retirement to "reduce spending" if the market corrects severely. It seems to me, someone spending $140k/year in retirement would have a real challenge to spend $65k ...
by Will do good
Wed Jun 27, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 15079

Re: Did you celebrate when you finally hit $1m?

No celebration. At first I didn't believe our numbers, we can't have that much money? Much later when I told my wife she didn't believe me either.

Now it's just a number and knowing we are financial secure allow us to sleep well.
by Will do good
Thu Jun 21, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33751

Re: What is/ was your career and would you recommend it now?

Advertising. Stay away...far away. It was always quite stressful, but the stress was balanced by the perks: Good pay, lots of travel, interesting people and projects. That's mostly all gone now. Virtually all agencies have to kick back money to their holding companies nowadays — and the CEOs make m...
by Will do good
Mon Jun 11, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5171

Re: How do you celebrate (potty trained kid) milestone with your spouse?

chevca wrote:
Mon Jun 11, 2018 1:21 pm
Celebrate potty training?? Wow! :shock:
+1
by Will do good
Mon Jun 11, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17820

Re: Life in retirement - what did you do today?

Got up at 9, went to the gym and work out for 1.5 hrs. Have lunch, spend few minutes on BH.
Now going to the bank and library.
Than work on my art portfolio for fun. Maybe plan our month long trip overseas in the fall.
by Will do good
Wed May 30, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 30581

Re: The Side Hustle

I always had freelance on the side while I was working, the freelance work bring in 15-30% of my income. After 20+ years of megacorp work I was layoff like lots of people later in our careers. Instead of taking time to search for a new job or finding a business to start up I just turn my freelance b...
by Will do good
Tue May 29, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9202

Re: Router hack, have you acted?

I Rebooted and changed password.
by Will do good
Mon May 28, 2018 10:16 am
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY 2018
Replies: 28
Views: 2754

Re: MEMORIAL DAY 2018

Thank you Taylor for serving our country and this meaningful reminder.
by Will do good
Wed May 16, 2018 6:58 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 12933

Re: The front page is ugly

As a creative director by profession, I like how simple the pages are and how well it communicates.
Could it be better? sure anything can be better. Keep it as is.
by Will do good
Tue May 15, 2018 9:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10957

Re: Yes, I'm 89 all right!

Booking forward to your next book Mr. Bogle.
by Will do good
Tue May 08, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3566

Re: Do I need to unfreeze my credit before applying for a new card?

We apply with the freeze still on, when we get turned down they will send a letter explain they couldn't check our credit history because of our freeze. The letter explain which credit agency they use and ask us to unfreeze that agency and call them. So we unfreeze that one and call them to the let ...
by Will do good
Wed May 02, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 63
Views: 6275

Re: Alternatives to Sansa Clip+ MP3 Player

Victoria, if you don't have WiFi in your apartment, how do you connect your computer to the internet? I'm assuming that you access Bogleheads from your apartment. Hi Lynette, I use an Ethernet cable to connect laptops to the router, which in turn is connected to my ISP. Victoria Hi Victoria, Take o...
by Will do good
Sat Apr 28, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 33910

Re: KF's simple rules to achieve FI [Financial Independence]

KF,

I agreed with most of your rules. Some people just don't understand the immigrant mentality, sacrifice today for a better tomorrow. Because we have seen much worst situations than what most Americans had faced, we prepared for the worst but hope for the best.
by Will do good
Thu Apr 26, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 2453

Re: Help! Nephew is asking for college advice (undergrad choices)

Highly recommend University of Illinois in Champaign- Urbana for overall experience and diversity of majors. Of course my wife and I went there and our son graduated 5 years ago in electrical engineering with a minor in computer science. Great Engineering program +1 But not everyone can get in from...
by Will do good
Mon Apr 23, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15728

Re: BH travel tips?

I'll start with a disclaimer that most of my travels are at least 1-2 months in length and sometimes quite a bit longer. And a good deal of travel takes me out of the developed world. That said. Country cheat sheet. I make a one page cheat sheet before I leave for each country I am heading to. It's...
by Will do good
Sun Apr 22, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5989

Re: How long have you been unemployed?

First and only time when I was 51, I decided to start my own business instead of looking for another megacorp job.
Ended up making many times my old income and today retired early.
by Will do good
Wed Apr 18, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3785

Re: Broke up with my girlfriend for financial reasons: crazy?

I understand your position, might not agree to it all. Instead of black and white or breaking it off, could you have explained to her how you feel and give her a change to see your position and maybe, maybe she would change? To be fair you do earn a high income comparing to her, so most likely she s...
by Will do good
Tue Apr 17, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 847

Re: underwater camera advice

How about instead of buying a so so camera that you most likely never use again, rent the best camera for a faction of the cost?

I have rent from them for many commercial pro shoots, https://www.lensrentals.com/
by Will do good
Sun Apr 15, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Dealing with poorly assigned hotel rooms?
Replies: 41
Views: 3521

Re: Dealing with poorly assigned hotel rooms?

We always travel with ear plugs, expensive or cheap hotel, it doesn't matter. We were at a expensive hotel on a wedding party night, our room was by the pool/banquet area, very noisy until midnight. We were in Asia and the bars/dance clubs down the street was having a great time until 2am. Always tr...
by Will do good
Sat Apr 14, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15728

Re: BH travel tips?

I can wear my Merino socks for 3-5 days before washing them, it stay fresh and no smell at all. Worked for our month long trips to Europe and Asia.

Instead of buying expensive travel clothes that are oder free and quick drying such as REI, I like Uniqlo AIRism line for half the price.
by Will do good
Sat Apr 14, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 15728

Re: BH travel tips?

lthenderson wrote:
Sat Apr 14, 2018 9:36 am
I pull out a map and locate all the hot travel destinations and then pick a point somewhere in the middle that avoids all of them.
Smart!
by Will do good
Thu Apr 12, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to buy new appliances when there's a good sale before you need them?
Replies: 28
Views: 1965

Re: Does it make sense to buy new appliances when there's a good sale before you need them?

No.

We had few rental apartment units and our appliances are the basic models, even with the abuse by our tenants they last much more than 10 years on the average. Sales comes in many time a year.
by Will do good
Wed Apr 11, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 6183

Re: Retirees: Who's increasing their equities as they age?

TravelforFun wrote:
Wed Apr 11, 2018 6:48 pm
I keep 10 years worth of my expenses in bonds, MM, and cash, and therefore, I let my AA changes freely. The equity portion of my AA has risen gradually the last few years but I don't adjust it back down.

TravelforFun
Good idea.
by Will do good
Wed Apr 11, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 6183

Re: Retirees: Who's increasing their equities as they age?

We will increase our equities as we age, current AA 55/45 1. When we gets Medicare 2. When we collect SS at 70 Our goal is to grow the portfolio for future generations. +1 MrPotatoHead and Will do good : I understand changing asset allocation when you collect SS at 70 because you will have a lower ...
by Will do good
Wed Apr 11, 2018 1:34 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 6183

Re: Retirees: Who's increasing their equities as they age?

We will increase our equities as we age, current AA 55/45 1. When we gets Medicare 2. When we collect SS at 70 Our goal is to grow the portfolio for future generations. +1 MrPotatoHead and Will do good : I understand changing asset allocation when you collect SS at 70 because you will have a lower ...
by Will do good
Tue Apr 10, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's increasing their equities as they age?
Replies: 74
Views: 6183

Re: Retirees: Who's increasing their equities as they age?

We will increase our equities as we age, current AA 55/45

1. When we gets Medicare
2. When we collect SS at 70

Our goal is to grow the portfolio for future generations.
by Will do good
Sat Mar 31, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 61
Views: 9995

Re: What’s the magic savings rate???

blinx77 wrote:
Sat Mar 31, 2018 7:36 pm
Sorry, 30% on $225k with no kids is weaksauce. You should be able to hit 50% even in SF/NY/DC, even more elsewhere.
+1

Near the end of my career with 2 kids in college, I was still saving more that the OP. LBYM!
by Will do good
Fri Mar 30, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 4635

Re: When did you know your kids would go to college?

In my family college is expected for all our kids. So we saved for their education, as expected.
by Will do good
Wed Mar 28, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8846

Re: How old were you when you started spending your “principal”?

I Retired in 1999 at age 56. On a nominal basis my portfolio went below its starting level for the first time in July 2002 and again in February 2009. Today it's 1.95 the nominal starting value. On a more important real basis, it went below the starting level on Sept 2001, June 2002, September 2008...
by Will do good
Wed Mar 28, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8846

Re: How old were you when you started spending your “principal”?

I Retired in 1999 at age 56. On a nominal basis my portfolio went below its starting level for the first time in July 2002 and again in February 2009. Today it's 1.95 the nominal starting value. On a more important real basis, it went below the starting level on Sept 2001, June 2002, September 2008...
by Will do good
Tue Mar 27, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8846

Re: How old were you when you started spending your “principal”?

I Retired in 1999 at age 56. On a nominal basis my portfolio went below its starting level for the first time in July 2002 and again in February 2009. Today it's 1.95 the nominal starting value. On a more important real basis, it went below the starting level on Sept 2001, June 2002, September 2008...
by Will do good
Sun Mar 25, 2018 11:09 pm
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8846

Re: How old were you when you started spending your “principal”?

I Retired in 1999 at age 56. On a nominal basis my portfolio went below its starting level for the first time in July 2002 and again in February 2009. Today it's 1.95 the nominal starting value. On a more important real basis, it went below the starting level on Sept 2001, June 2002, September 2008...
by Will do good
Thu Mar 22, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 14713

Re: Working till retirement is not a great plan

Only 1 friends of our was not layoff around 50yo. I was layoff at 52. We always LBYM and had a freelancing business while I was working at the megacorp, developing contacts and clients etc... Right after the layoff I focused on my own business instead of looking for another megacorp job, I figured g...
by Will do good
Thu Mar 22, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 25677

Re: Anyone Deleting Facebook?

Use it for about a month years ago and realized I didn't want to be manipulated by their sensation news or their algorithm.
Besides, our friends who posted are mostly humble bragging, didn't want to be part of that.
by Will do good
Fri Mar 16, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Should I join Mensa?
Replies: 39
Views: 2388

Re: Should I join Mensa?

Hell, I barely got out of high school and college. :oops: