Search found 632 matches

by Will do good
Wed May 16, 2018 6:58 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8900

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: 8919

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: 3128

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: 5333

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: 30652

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: 2187

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: 192
Views: 13585

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: 5485

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: 3394

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: 715

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: 3254

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: 192
Views: 13585

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: 192
Views: 13585

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: 1788

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: 5620

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: 5620

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: 5620

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: 5620

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: 50
Views: 6462

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: 4311

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: 8314

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: 8314

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: 8314

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: 8314

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: 13831

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: 329
Views: 22628

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: 2109

Re: Should I join Mensa?

Hell, I barely got out of high school and college. :oops:
by Will do good
Fri Mar 16, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Boglehead business travelers - preferences
Replies: 23
Views: 2302

Re: Boglehead business travelers - preferences

When I frequently traveled for business my employer dictated each and every one of those things, on pain of not being reimbursed without a very good documented excuse. PJW +1 Mostly AA business class National Four Seasons, Ritz, if these are two sold out our corporate rates than W :beer Today I own...
by Will do good
Mon Mar 12, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8771

Re: traveling to mexico, should I be concerned?

I was there a month ago and felt safer than most cities in the States. Your probably far more likely to die from terrorism in NYC or Washington DC than anywhere in Mexico. You’re probably also more likely to get struck by lightning and win the lottery in the same day than getting blown up by a terr...
by Will do good
Wed Feb 07, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: market downturn
Replies: 13
Views: 1077

Re: market downturn

We're retired at 55/45. But once we start SS at 70 we may go as high as 75/25 to grow our portfolio again for future generations.
With SS our WR is <2%, we can take more risk.
by Will do good
Mon Feb 05, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 14464

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

Shortly after retirement, the market begins a two-year slide where the total loss is 50%. After being retired two years, fearless now has a portfolio of $880,000 dollars (50% drop, $120k in withdrawals), after starting with $2,000,000. Yes, but none of those doom and gloom scenarios ever materializ...
by Will do good
Mon Feb 05, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: "Bitcoin is my potential pension"
Replies: 54
Views: 8128

Re: "Bitcoin is my potential pension"

I feel really sad for many of these people, they don't know any better (uneducated or otherwise) and keep digging deeper into debt.
Their problem will turn into family problem and than will turn into our (public) problem.
by Will do good
Sun Feb 04, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Applying for a passport with a credit freeze
Replies: 7
Views: 777

Re: Applying for a passport with a credit freeze

They don'y need you to unfreeze anything.
by Will do good
Sun Feb 04, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1243

Re: T-Mobile Coverage in Rural Areas

As mentioned above you can download a map section in Google Maps so you can use it offline if you don't have a connection. That helps considerably. But no navigation if you are offline so you have maps but you'll need to navigate yourself. That's not true, when we were up at Yosemite our offline ma...
by Will do good
Fri Feb 02, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 8303

Re: What advice would you give yourself if you were 27 again?

You will live a lucky/charm life, don't worry so much.

Spend even more time with your wife and kids.

10x your position on Apple and don't sell any until 2.1.2018
by Will do good
Tue Jan 30, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 5086

Re: Still working out of greed or fear?

OP, How about Option C - Ignorance (AutoPilot) . In my case, it snuck up on me. I have been on AutoPilot, living below my means, savings and never really thought I was ready to retire. Mostly because I hadn’t really done the research or analysis on how much I would need and how it would all work. F...
by Will do good
Sat Jan 27, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 107
Views: 7170

Re: Who taught you about financial responsibility?

Self-taught, both my parents are not good with money.
by Will do good
Mon Jan 22, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 77
Views: 9440

Re: The Power of Working Longer

Without getting into the weeds of the authors' methods, their conclusion doesn't seem to be valid. For instance, saving $1k a month at 0% return for 30 years leaves you with $360k, but a 1% return leaves you with $417k, a difference of $57k or 57 months of saving at 0% return. As the rates of retur...
by Will do good
Sun Jan 21, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 40593

Re: Year 2000 retirees using the '4% rule' - Where are they now?

I am one of these retirees. Here is my story. My Retiree Story Originally Posted December 02, 2010; Updated January 11, 2018 I retired at age 57 at the end of 1999, I am 75 1/2 now. I planned to take Social Security at 62 and to start withdrawing from my IRA at the same time. Therefore, to fill the...
by Will do good
Sat Jan 20, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 3099

Re: Rent (free at library) or buy books?

60% library books, 35% Audible books, 5% purchase from Amazon, more or less.
by Will do good
Fri Jan 19, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 63111

Re: Keep cash for a down period

If you are retired and are selling investments for expenses, have at least three years of your normal distribution needs in cash accounts so that you don't have to sell when the markets, both stock and bonds, are low. If you don't have that cushion, you will have no choice but to sell. You can't ev...
by Will do good
Thu Jan 18, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 8009

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

I have learned so much from WCI. I'll be happy to pay for the new course for my kids if they are interested and willing to learn.
Comparing to the how much I already paid for their college education ($400k+), this is cheap.
by Will do good
Thu Jan 18, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: What are some good, older threads?
Replies: 20
Views: 2221

Re: What are some good, older threads?

Here We Go Again: SWR 2.5% or 5.5%?
viewtopic.php?f=10&t=182496&newpost=2766317

How to pay ZERO taxes in retirement with 6-figure expenses
viewtopic.php?t=87471
by Will do good
Wed Jan 17, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Amazing how much your IPS can de-stress your life
Replies: 29
Views: 4313

Re: Amazing how much your IPS can de-stress your life

:sharebeer

If your IPS includes 2-4 years of expenses in cash/CD you are pretty safe (It's even better if you have a job.), anything 50/50 and 2-4 years of cash/CD can't protect, we have a much bigger problem.
by Will do good
Tue Jan 16, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 63111

Re: What's your one big takeaway from the Crash of 2008?

A good reminder to have AA you can live with.
by Will do good
Fri Jan 12, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 363
Views: 40593

Re: Year 2000 retirees using the '4% rule' - Where are they now?

I just wanted to know that if you had to you could live off of the 100% stock portfolio knowing that it's very volatile? In other words just live off the income from the portfolio but let the portfolio float in the market. If your portfolio is big enough relative to your withdrawals and you can sta...
by Will do good
Fri Jan 12, 2018 7:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 301
Views: 29412

Re: Post your Financial Milestone Announcements Here

I just passed the $100k mark in my 401k this morning! I started with my company in July 2012 and this was the first year I was able to max the contribution limit. I didn't contribute anything in 2015 while I was on my debt-free journey but once I got down I was able to set my contribution at 25% in...
by Will do good
Thu Jan 11, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Running Maximum Withdrawal Percentage: Any data on this?
Replies: 26
Views: 1794

Re: Running Maximum Withdrawal Percentage: Any data on this?

For the many of us that worries about 4%, this is a good reminder to plan for the worst but don't be so afraid the sky falling.
Follow Taylor Larimore advice and be flexible.