Search found 686 matches

by Will do good
Sun Nov 18, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 73
Views: 7153

Re: Current Retirees: Do you touch your principal?

Doesn't it all depends on how much you have saved and what your expenses are?

So far after 2 years of early retirement we have not touch our principal.
by Will do good
Sat Nov 17, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Warm winter vacation
Replies: 25
Views: 2161

Re: Warm winter vacation

We normally go the Southern Cali, but with the wild fires we will most likely go to Texas this winter. Great food choices and everything is much cheaper than Cali.
by Will do good
Sat Nov 17, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Update Re: Hubby soon to be laid off
Replies: 26
Views: 4754

Re: Update Re: Hubby soon to be laid off

Glad to hear the good news, maybe this will give hope to others in similar situation.
Happy Thanksgiving.
by Will do good
Wed Nov 14, 2018 7:42 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6895

Re: Are you all staying the course?

This is nothin', wait until it drops 30-50% than let's see who is staying put :twisted:
by Will do good
Tue Nov 13, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 220
Views: 27362

Re: Habits of the Rich

As an early career millennial who joined the labor market shortly before 2008, and who has a long family oral tradition of being imprisioned, persecuted, and expropriated under Communism.. I live by the following (in no particular order): Live within your means. Pay yourself first. Put aside money ...
by Will do good
Mon Nov 12, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1876

Re: 20th Anniversary vacation ideas wanted

Take a cruise, it's really relaxing, super reasonable from the LA area with last minute discounts.
No flights!
by Will do good
Mon Nov 12, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 9540

Re: Granddaughter needs $ help for university

Can you afford the amount if she doesn't pay up?

What is she studying, hopefully something that can get a job.

If it was me and I can afford it, I would, it's their future.
by Will do good
Sat Nov 10, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 45533

Re: Whats your number to walk away?

I didn't had one in mind, I just thought I didn't have enough, so I keep working.
I work on my own business until it was no longer interesting and even little painful.
When I retired early couple of years ago I discovered we had way more than 25x our expense. :beer
by Will do good
Fri Nov 09, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3015

Re: Should I reject Google drive for privacy/tracking?

Scary stuff here. I wasn't aware that Google was scanning and storing all that data. I use a personal Network Attached Station (NAS) to store all my pictures and data on my home network. It has two hard drives that mirror so if one goes bad I can replace it, but you can never have enough backups. ;...
by Will do good
Fri Nov 09, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 126
Views: 5515

Re: Point and shoot camera

Most point and shoot is good enough. My buddy shoots the commercials for McDonald's and Coke, when we travel he shoot with the high end DSLR and his toy Helga camera, the Helga was pretty amazing. The point is the photographer makes more of the different than just the camera. Enjoy your trip.
by Will do good
Thu Nov 08, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 135
Views: 17393

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

I have yet to hear a logical argument for the validity of using historical data, much of it from 20th century America, to predict a specific 30-year retirement period in the future. People like me believe “the 4% rule” might actually work out well...or it might not. The biggest problem with the “th...
by Will do good
Wed Nov 07, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 46
Views: 4398

Re: How much money did you receive from family? (Gifts/inheritance)

$0

I help with minor expense for both of my parents. I rather be able to give than receive.
by Will do good
Thu Nov 01, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27803

Re: How many of you have cut the cord?

is there a service yet that you can pay a low monthly or on demand fee to stream sports events on national networks, espn, and local networks in full HD? If I can do this Im cancelling my cable without hesitation. We cut Comcast, was $180/month. Now pays 1TB data 100ms/speed about $50? Youtube TV a...
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: 71
Views: 6605

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: 4178

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: 2689

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: 10337

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: 7413

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: 8696

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: 8345

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: 3022

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: 4298

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: 3700

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: 6632

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: 4296

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: 13886

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: 1100

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: 1100

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: 2192

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: 752
Views: 219856

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: 16118

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: 1750

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: 5569

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: 5188

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: 7840

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: 4189

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: 14912

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: 8740

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: 366
Views: 19930

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: 3905

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: 160
Views: 12976

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: 7539

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: 100711

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: 3031

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: 22411

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: 35844

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: 5655

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