Bogleheads.org

Sunflower

No, they just have less to invest.

Sunflower

A checking account.

Sunflower

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...

Sunflower

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...

Sunflower

6 of 6

Woo hoo!

Sunflower

Ferry trip to Vancouver Island.

Sunflower

So how's your new life so far?

Seriously, congratulations, I hope to follow your lead some day.

Sunflower

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...

Sunflower

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.

Sunflower

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...

Sunflower

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...

Sunflower

Thank you for your responses, that makes perfect sense. Yes, it's on my W2.

Sunflower

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...

Sunflower

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...

Sunflower

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...

Sunflower

"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...

Sunflower

Cutting babies in half - asset allocation.

Sunflower

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.

Sunflower

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...

Sunflower

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...

Sunflower

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...

Sunflower

Does anyone use a management company? How has that worked out?

Sunflower

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 ...

Sunflower

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 ...

Sunflower

Professional athlete. His mama taught him well, but he still needs to show off. It's a fine line straddling the fence.

Sunflower

Yountville for dining: http://www.napavalley.com/businesses/?c ... yountville

Sunflower

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...

Sunflower

TheTimeLord wrote:Check out the movie "Altered States" with William Hurt.

I was going to mention this. Talk about regression session!

Sunflower

Not so much the amount of $$ I'll need has changed so much as the age I can retire keeps going up.

Sunflower

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.

Sunflower

coffeehubcap wrote:Yes. I matched one number plus the power ball....do I get anything?

Yes! In California, that's a whole $5.

Sunflower

10% of salary. Pretty much unheard of, I think. Very generous. It would be even more generous if I had a higher salary.

Sunflower

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 ...

Sunflower

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 ...

Sunflower

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...

Sunflower

I guess the last check would go to the hitman.

Sunflower

siamond wrote:WHAT ABOUT YOU, WHAT DID YOU DO?

Just stood there looking stupid, but that's my natural visage.

I haven't had the guts to look at my account and don't think I will for a while.

Sunflower

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....

Sunflower

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...

Sunflower

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...

Sunflower

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 ...

Sunflower

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...

Sunflower

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.

Sunflower

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.

Sunflower

Thank you for sharing your voyage with us. I always enjoy and appreciate personal stories.

Sunflower

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??? ...

Sunflower

placeholder wrote:I came to this country with no money, no clothes, and couldn't speak the language.

Like most of us, as newborns!

Congrats on your milestone(s), yogesh!

Sunflower

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...

Sunflower

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...

Sunflower

I wouldn't put my portfolio up here because it is so small compared to the posts i read on here. Maxing out my 401K, fat chance. This forum is somewhat depressing considering everyone seems to have a huge net worth, and far bigger income than myself (what on earth does everyone do on here?). But th...

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