Search found 380 matches

by Sunflower
Tue Jul 31, 2018 7:02 pm
Forum: Investing - Theory, News & General
Topic: Are women worse at investment?
Replies: 24
Views: 1502

Re: Are women worse at investment?

No, they just have less to invest.
by Sunflower
Sat Mar 03, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 272
Views: 59112

Re: How to Minimize Your Emergency Care Expenses

An ambulance ride costs $1500-2000. An Uber costs $20. If you need the ambulance, for heaven's sake call it. But if not, call an Uber. This also applies to interhospital transfers. "Doc, I don't want to go by ambulance because it's so expensive. I know there is the liability thing, but I'd be willi...
by Sunflower
Sun Nov 19, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 7096

Re: Where did you first learn about investing?

Grew up with unknowledgeable parents who only invested in government savings bonds. Luckily, Father had a stable federal government job and pension. In my early 20's a co-worker told me to open an IRA. I asked why and was told "because you're so young." I planned to, but tomorrow never came. In my l...
by Sunflower
Tue Sep 05, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 3846

Re: Seattle in 3 days

Ferry trip to Vancouver Island.
by Sunflower
Sat Jul 08, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 12304

Re: Last 80 minutes of my career

So how's your new life so far? :D Seriously, congratulations, I hope to follow your lead some day.
by Sunflower
Mon Jun 05, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Transcription Services
Replies: 9
Views: 1580

Re: Transcription Services

I haven't personally done this, but my understanding is the company(ies) pay a certain amount per hour, let's say $20 an hour. The catch is, it isn't your time, it's the dictation tape/file time. So, you may be given 60 minutes of dictation and depending on the situation or quality (a conference/int...
by Sunflower
Sun Apr 02, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40543

Re: Low-earners- What is your profession?

Law office support staff in San Francisco, $60k-ish ($15k or so additional in company contributions/bonus). 55, single, no children, lifetime renter (rent control!), 401k millionnaire. Won't be retiring in CA.
by Sunflower
Thu Mar 30, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 5414

Re: Is the secret to getting wealthy...

There's a famously frugal guy in the Midwest who lives in the same house he bought in the fifties. He's still frugal, despite becoming a billionaire and trading the title of "Richest man in the US" with Bill Gates a few times. His name is Warren Buffet. And yes, he has spent money, but he doesn't l...
by Sunflower
Sat Mar 25, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 14438

Re: Do you have enough? How I realized yeah I do.

Every Saturday morning I get up, go to Starbucks for a venti latte ... after which I still got my latte ... Well, yeah, but think how much you'd have if you didn't go to Starbucks!! I kid. I kid. Just had to throw that at you. I also sit in a cafe and read this site (not Starbucks, there's just too...
by Sunflower
Fri Dec 16, 2016 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question re 401(k) contribution discrepancy
Replies: 3
Views: 493

Re: Question re 401(k) contribution discrepancy

Thank you for your responses, that makes perfect sense. Yes, it's on my W2.
by Sunflower
Thu Dec 15, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Question re 401(k) contribution discrepancy
Replies: 3
Views: 493

Question re 401(k) contribution discrepancy

Last year my bonus was deposited into my 401(k) on the last day of December. It did not register until the next business day, i.e., the next year. My check stub says the amount was contributed for 2015, my 401(k) account claims the contribution was made in 2016. Which is the correct/legal deposit da...
by Sunflower
Sun Dec 11, 2016 9:39 pm
Forum: Investing - Theory, News & General
Topic: Teaching a 401(k) class at work...need input
Replies: 17
Views: 1825

Re: Teaching a 401(k) class at work...need input

Example: One of my teammates is about to retire next summer. He has been here 34 years. He came as asked me to help him look and see "how much he got in his retirement thing." We logged on and saw that he has a mere $110,000 that he did not know existed. That is all he has saved. His response: "I w...
by Sunflower
Fri Sep 09, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 12755

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Being a customer for many years I find this really difficult to take. I wasn't one of the people swindled -- and check my accounts often looking for errors and abnormalities -- but I ran a credit report anyway. All day today a WF ad has been popping up on the internet and feeling snarky considered r...
by Sunflower
Tue Jul 26, 2016 4:01 pm
Forum: Investing - Theory, News & General
Topic: John Bogle's home
Replies: 36
Views: 9000

Re: John Bogle's home

"We also have what I call our 'big old Adirondack barn,' which is a place that's been in my wife's family for more than 50 years. It's for ourselves and our six children and our 12 grandchildren; it's a nice refuge for them." I'm more curious about this old barn. Is the family all there at the same...
by Sunflower
Tue Jul 19, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Bay Area Salary Thread
Replies: 22
Views: 3075

Re: Bay Area Salary Thread

What Bay Area? Is there only one? Ok, San Francisco Bay Area.

Salary = below median, no increase in salary (raise or cost of living) for 10 years.
The rest is even more depressing.

I'm going to go slit my wrists now. :x
by Sunflower
Sat Jul 09, 2016 6:36 pm
Forum: Personal Consumer Issues
Topic: What to do around Vegas during Winter?
Replies: 21
Views: 2356

Re: What to do around Vegas during Winter?

Well, I hate to be one of those people, but I'm going to suggest something you didn't ask. I went at Christmastime once and did a tour of Hoover Dam with a boat cruise on Lake Mead. We went up on deck on the boat and it was freaking cold! And beautiful. Honestly, the dam tour :D was a highlight of t...
by Sunflower
Thu Jul 07, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: "Why most retirees will never spend down their portfolio" by Michael Kitces
Replies: 89
Views: 13757

Re: "Why most retirees will never spend down their portfolio" by Michael Kitces

In regards to our healthcare costs, I can give you our cost history in retirement after Medicare eligibility. I cannot advise you on pre-Medicare. This history includes out of pocket expenses including Medicare and supplemental insurance, but also non-insured medical expenses. They have been easily...
by Sunflower
Sun Jul 03, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Accurately rebalance mutual fund portfolio [how to]
Replies: 24
Views: 2035

Re: Accurately rebalance mutual fund portfolio [how to]

I rebalance once a year when I put more money into my Roth IRA. It's pretty close to my desired percentages and I really don't sweat it if it's slightly off. Rebalancing more than quarterly is probably a headache. I have eight funds in my little Roth and I like playing with my Excel pie charts. My m...
by Sunflower
Thu Jun 09, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are Rentals As Bad As Some Make Them Out To Be?
Replies: 66
Views: 7648

Re: Are Rentals As Bad As Some Make Them Out To Be?

Does anyone use a management company? How has that worked out?
by Sunflower
Sun Jun 05, 2016 12:37 am
Forum: Personal Consumer Issues
Topic: Is Cricket Wireless down for lots of people?
Replies: 21
Views: 2917

Re: Is Cricket Wireless down for lots of people?

I felt a little silly because I just convinced someone this week to switch to Cricket! d'oh! Been using it over a year and have had zero problems....until last night! Ha! I bought a Cricket phone and had it exactly one week before this system failure. To be honest though, I didn't notice and seems ...
by Sunflower
Sat May 21, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: series/ movies filmed in your home town?
Replies: 87
Views: 5424

Re: series/ movies filmed in your home town?

Surprised no one from San Francisco has stepped up! It's expensive but scenic so a lot of shows have establishing shots but the principal filming is in Vancouver (surprise). Not that long ago in my neighborhood, Woody Allen filmed a scene at a popular pizza parlor. More recently, Hugh Laurie filmed ...
by Sunflower
Sun May 01, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 91
Views: 14782

Re: WOW fantastic Cars in the Wild

Professional athlete. His mama taught him well, but he still needs to show off. It's a fine line straddling the fence.
by Sunflower
Tue Apr 26, 2016 1:08 am
Forum: Personal Finance (Not Investing)
Topic: If not Children - Who/What Leave Estate To?
Replies: 27
Views: 3981

Re: If not Children - Who/What Leave Estate To?

I'm also in this group. I have older siblings and nieces and nephews. I'd like to leave some to charity but I think the big deciding factor will be who (if anyone?) assists me in my old(er) age. It could be a relative, a neighbor or a hired caretaker. They may get the bulk. It's also true things may...
by Sunflower
Tue Apr 05, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Sensory Deprivation Tanks
Replies: 23
Views: 3136

Re: Sensory Deprivation Tanks

TheTimeLord wrote:Check out the movie "Altered States" with William Hurt.
I was going to mention this. Talk about regression session!
by Sunflower
Thu Mar 03, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Has your number changed?
Replies: 52
Views: 8039

Re: Has your number changed?

Not so much the amount of $$ I'll need has changed so much as the age I can retire keeps going up. :annoyed
by Sunflower
Fri Jan 29, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Rain, what rain?
Replies: 17
Views: 2384

Re: Rain, what rain?

john94549 wrote:The January miracle turned into the January fizzle. Only folks in California would understand.
Well, in Northern California there are some people with threatened homes that would disagree with you. One has been razed already.
by Sunflower
Thu Jan 14, 2016 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 6545

Re: Does a BH play the lottery?

coffeehubcap wrote:Yes. I matched one number plus the power ball....do I get anything?
Yes! In California, that's a whole $5.
by Sunflower
Thu Jan 14, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 7746

Re: What's your company 401k contribution

10% of salary. Pretty much unheard of, I think. Very generous. It would be even more generous if I had a higher salary. :)
by Sunflower
Tue Jan 05, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 14384

Re: Savings % Target 2016?

Compared to y'all, I feel like I'm on the low end of the savings spectrum. Gross, I'll make about $3,333/month ($40k/annually). Of this, I plan on saving about $500/month (15%), and putting another $600/month (18%) toward debts. Think how much you'll be able to save when you pay off your debts! :D ...
by Sunflower
Wed Dec 02, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: "Congratulations on your purchase!" (But why?)
Replies: 27
Views: 5679

Re: "Congratulations on your purchase!" (But why?)

Congratulations are also offered for getting engaged/married. That one has stumped me. Is it "congratulations for finding someone to put up with you"? :P I guess it's more congratulations for doing what society expects of you, toeing the line. Ok, being cynical, but I don't understand some societal ...
by Sunflower
Tue Sep 08, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Young adult establishing credit
Replies: 20
Views: 1591

Re: Young adult establishing credit

I started with a secured credit card after being turned down left and right. Used it properly and a year or two later applied for and received a "real" credit card and cancelled the first, retrieving my money. Believe it or not, I got the application at the counter of a 7 Eleven for a bank in Minnes...
by Sunflower
Thu Sep 03, 2015 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Goal: Have $0 left when I die
Replies: 66
Views: 6268

Re: Goal: Have $0 left when I die

I guess the last check would go to the hitman. :|
by Sunflower
Sat Aug 29, 2015 5:31 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 13428

Re: Aug-15 correction: what Bogleheads did...

siamond wrote:WHAT ABOUT YOU, WHAT DID YOU DO?
Just stood there looking stupid, but that's my natural visage. :wink: I haven't had the guts to look at my account and don't think I will for a while.
by Sunflower
Sat Aug 29, 2015 5:25 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 60568

Re: Will you buy an Apple Watch?

Saw a guy the other day pay for his latte at Starbucks (of course) with his watch. In no way did this make me desire it; his wallet, on the other hand.... :greedy
by Sunflower
Thu Jun 25, 2015 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?
Replies: 36
Views: 6118

Re: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?

You'll get different replies, but the main question in my mind is does the "better" apartment fall under rent control? In the longgggg run it may be a better decision. Of course, if you're planning on moving around .... Years ago, I found a one-bedroom apartment in a decent neighborhood. Still there...
by Sunflower
Sat Feb 21, 2015 5:36 pm
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 88
Views: 9897

Re: Prom budget for teenage girl?

Here there is just one prom that both juniors and seniors attend. Yes, one prom. You stated your daughter is a junior. Next year she'll be a senior and there will be another prom. Basically, your daughters will be going to two proms in a row. Just letting you know so you can get that wallet prepare...
by Sunflower
Sat Feb 21, 2015 12:56 am
Forum: Personal Consumer Issues
Topic: Prom budget for teenage girl?
Replies: 88
Views: 9897

Re: Prom budget for teenage girl?

IMO you should differentiate between the junior prom and senior prom; junior being a dry run and senior you get the limo, or higher priced items. Make this clear. Not quite the same thing, but I had a friend who wanted a big Sweet 16 party (really 15, a quinceanera). Her parents told her they would ...
by Sunflower
Wed Feb 11, 2015 12:47 am
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 10361

Re: I'm not a bad Boglehead

Even lottery winners are often losers in the end (they squander the money.) I hope you win and then demonstrate that the tenants of Boglehead-ism can help you overcome this kind of challenge ! http://money.cnn.com/2015/02/10/pf/lottery-winners-losers/ Just read the article... Not very uplifting. Se...
by Sunflower
Wed Feb 11, 2015 12:38 am
Forum: Investing - Theory, News & General
Topic: How do slice and dicers rebalance?
Replies: 14
Views: 1111

Re: How do slice and dicers rebalance?

Once a year when I add money. I have an Excel pie chart showing percentages. This year I had to sell a bit of REITS to help reallocate. The end result is usually right on or pretty darn near to desired percentages.
by Sunflower
Sun Oct 19, 2014 8:31 pm
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 22752

Re: Best place (with warm weather) to raise children

cheese_breath wrote:
cannondale wrote:Claremont, CA is surrounded by Oakland, CA.
Claremont is nowhere near Oakland. It's east of LA.
Pretty sure this person is referring to a neighborhood in Oakland. It is nice and borders Berkeley (and has a nice resort). They pretend they are separate from Oakland, hence the confusion.
by Sunflower
Wed May 28, 2014 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: 1 Year Bogleheadiversary - Before and After Picture
Replies: 70
Views: 15098

Re: 1 Year Bogleheadiversary - Before and After Picture

Thank you for sharing your voyage with us. I always enjoy and appreciate personal stories.
by Sunflower
Mon Dec 23, 2013 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Don't have original will to close Roth IRA
Replies: 16
Views: 2188

Re: Don't have orgininal will to close Roth IRA

My brother passed in August, I am the executive of his estate (less than 40K). I have a copy of his will but not the original. The attorney who drew up the will can't find the original. How do I proceed without the original will, I need to close his Roth IRA account? Does anyone have any advise??? ...
by Sunflower
Sat Oct 19, 2013 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 11983

Re: Just hit the million mark net worth today

placeholder wrote:I came to this country with no money, no clothes, and couldn't speak the language.
Like most of us, as newborns! :P

Congrats on your milestone(s), yogesh! :moneybag
by Sunflower
Tue Oct 01, 2013 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Going without a pre-nup?
Replies: 255
Views: 18654

Re: Going without a pre-nup?

The OP has never been married and neither has his future bride. There are no step-children, ex-in-laws or outlaws or Exs to complicate this relationship. The OP wants children and it takes a youngish wife to accomplish this. OP will have the advantage of an energetic, young wife and mother to chase...
by Sunflower
Mon Sep 30, 2013 9:17 pm
Forum: Personal Consumer Issues
Topic: Breaking Bad (TV Show)
Replies: 74
Views: 7914

Re: Breaking Bad (TV Show)

Has anyone figured out why the title of the series finale episode was "Felina"? It's a reference to some kind of folk story that parallels Walt's relationship with the meth business. If you look around Grantland or Vulture, there's probably an explanation of it in the episode recap. It's also an an...