Search found 673 matches

by Will do good
Wed Oct 17, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 41
Views: 2725

Re: Did you retire because you hit your number?

Yes and no...I hit my number years earlier, but I love my job and like making money.
Than I realized life is short I want to live a little and more money can't buy me more time.
by Will do good
Wed Sep 19, 2018 1:24 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4090

Re: “Majority of working-age Americans have no retirement savings”

It's often interesting to look behind the curtain at the organizations publishing such information. A quick glance at the National Institute on Retirement Security shows they are a Washington D.C. lobbying group funded mostly by state government retirement systems. I would view their published stud...
by Will do good
Wed Sep 12, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2649

Re: The Atlantic: 'Why is College In America So Expensive?'

I was hoping that the author would have spoken to the fact that students can secure unlimited amounts of loan money, that they are not able to discharge in bankruptcy. So colleges can keep raising their tuitions higher than the rate of inflation and be assured that the federal government will make ...
by Will do good
Mon Sep 10, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10166

Re: Side Hustle Options/Suggestions.

I would think sticking to your profession skill set (CPA/tax etc) would make you more income than going to a side hustle that anyone can jump in with not much barrier. Yes it may take you some time to get those first few clients but in my opinion it's worth it. I freelanced throughout my entire care...
by Will do good
Sun Sep 09, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7324

Re: Anyone else playing catch-up in their 40's?

Yes, here are steps we've taken (to maximize saving): Get rid of Amazon prime. Too easy to spend money on crap you don't need. Get rid of cable. Use only a work mobile phone (if provided). Get rid of land line phone. Stop eating out. Learn to cook. If you eat out, find a reasonable place to eat out...
by Will do good
Sat Sep 08, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8504

Re: Can Sneakers go with Business Casual?

Sure, if you are in the creative field like I was (ad agency creative director, than agency owner).
How old are you and what kind of business are you in that you think you can be so casual?
by Will do good
Sat Sep 08, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8274

Re: Scaring the Old Folks

Sitting home and watching fox news is pretty darn cheap:) So is not buying any new clothes:) Obviously my biggest savings from retiring is no longer saving 25-40% of my income. The huge tax decrease (i.e. no SS, LTGC with cost basis) is going to be around another 20% savings. Thats a lot of golf, t...
by Will do good
Fri Sep 07, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Car Shopping, Seem to lose my Boglehead way each time help!!
Replies: 37
Views: 2973

Re: Car Shopping, Seem to lose my Boglehead way each time help!!

OP- What's your income, savings rate and Networth?
Maybe you can easily afford it or not.
by Will do good
Thu Sep 06, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: returns for the next decade
Replies: 40
Views: 4268

Re: returns for the next decade

Thegame14 wrote:
Thu Sep 06, 2018 4:20 pm
IT will be EXACTLY 4.72%
No, it will be 4.71%
by Will do good
Mon Sep 03, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: If the market is so hard to beat, why did a rapper beat it by 40%?
Replies: 61
Views: 3652

Re: If the market is so hard to beat, why did a rapper beat it by 40%?

Had Kanye beated the market the last 20 years, every year? What is his average return during those 20 years? I brought bunch of Apple stocks before Steve Jobs retuned to Apple (1997), my returns since are crazy. But don't ask me about my other not so lucky picks. My point is we all get lucky once in...
by Will do good
Sat Sep 01, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6542

Re: Lexus vs. Mercedes

When it comes to reliability, people's perceptions tend to not change as reality changes - in this case, BMW has been rated higher than Mercedes in reliability pretty consistently the last several years. In fact, both Consumer Reports and JD Power have BMW rated higher than Honda for reliability. h...
by Will do good
Wed Aug 29, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4243

Re: Bone in my food

What's the big deal? Don't let little things upset you.
by Will do good
Mon Aug 27, 2018 3:58 pm
Forum: Investing - Theory, News & General
Topic: 2000-2018 retirement - sequence of returns
Replies: 153
Views: 13669

Re: 2000-2018 retirement - sequence of returns

Thank you HomerJ for these charts and discussion. I feel good with my 60/40 portfolio.
by Will do good
Fri Aug 24, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 16
Views: 1065

Re: Best way to get Skype or Facetime on a TV?

We have an Apple TV, and mirror the phone, iPad, or Mac on to the TV. Super easy to do, and the kids love it. We also have a camera that sites on top of the TV. FaceTime makes it all very easy, but you have to have a bunch of Mac products. I don’t have an Apple TV (I use FireTV), but would consider...
by Will do good
Fri Aug 24, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 16
Views: 1065

Re: Best way to get Skype or Facetime on a TV?

We have an Apple TV, and mirror the phone, iPad, or Mac on to the TV. Super easy to do, and the kids love it. We also have a camera that sites on top of the TV. FaceTime makes it all very easy, but you have to have a bunch of Mac products. I don’t have an Apple TV (I use FireTV), but would consider...
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: 2134

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: 216200

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: 15605

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: 1702

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: 5462

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: 4969

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: 7620

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: 4106

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: 14614

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: 8581

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: 362
Views: 18395

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: 3818

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: 9822

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: 7421

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: 100035

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: 3003

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: 209
Views: 22277

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: 35466

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: 5614

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: 18561

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: 31698

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: 9805

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: 2999

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: 13746

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: 11408

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: 3758

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: 6903

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: 35146

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: 2683

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: 16681

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: 6302

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: 4043

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...