Search found 389 matches
- Sat Dec 07, 2019 2:36 pm
- Forum: Personal Consumer Issues
- Topic: New passport how long to obtain?
- Replies: 37
- Views: 2518
Re: New passport how long to obtain?
Renewed long expired passport very recently at the post office and was told 6-8 weeks. Received it in exactly two. Thanks to all for the replies. Sunflower, did you renew or did you have to obtain a new passport? My understanding is that if the passport was issued more then 15 years ago it can not ...
- Sat Dec 07, 2019 3:36 am
- Forum: Personal Consumer Issues
- Topic: New passport how long to obtain?
- Replies: 37
- Views: 2518
Re: New passport how long to obtain?
Renewed long expired passport very recently at the post office and was told 6-8 weeks. Received it in exactly two.
- Sat Oct 05, 2019 3:15 pm
- Forum: Personal Consumer Issues
- Topic: Social Security Card as Identification for Real ID
- Replies: 78
- Views: 7479
Re: Social Security Card as Identification for Real ID
I'm going through this now. I requested a birth certificate and was denied because the first name is different. I use my middle name, so EVERY document I have has my middle name listed first (including very old high school ID's). Luckily, it seems that an expired passport is accepted. I'll find out ...
- Sat Sep 28, 2019 2:18 pm
- Forum: Forum Issues and Administration
- Topic: Why don't members include location?
- Replies: 25
- Views: 2761
Re: Why don't members include location?
I don't live in the desert. I used to. I might again some day.
- Fri Aug 30, 2019 1:10 am
- Forum: Personal Consumer Issues
- Topic: How to clean baked on "carbon" from corners of old cookie sheets
- Replies: 27
- Views: 2403
Re: How to clean baked on "carbon" from corners of old cookie sheets
Baking soda-vinegar mixture, let set, scrub with aluminum foil.
- Thu Jul 25, 2019 1:40 pm
- Forum: Personal Consumer Issues
- Topic: Thank you notes,,, out of favor these days?
- Replies: 107
- Views: 6837
Re: Thank you notes,,, out of favor these days?
As a long-distance maiden aunt with no children, I sincerely appreciate and enjoy thank you notes from the nieces/nephews and now great-nieces/nephews, written specifically to me, in their handwriting and sometimes baby scrawl (with mom holding the pencil/crayon). The notes have given me such joy ov...
- Thu Jul 25, 2019 10:17 am
- Forum: Personal Finance (Not Investing)
- Topic: How do you deal with looking bad compared to others?
- Replies: 77
- Views: 5761
Re: How do you deal with looking bad compared to others?
Don't get defensive, they're trying to get a rise out of you. "Agree" with them. "We're so proud of my brother, he deserves his life, I'm so happy for him." "Yes, my little house is such a perfect fit for us, we're so blessed." Repeat positive thoughts to them over and ...
- Tue May 07, 2019 7:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: HDHP vs Kaiser HMO
- Replies: 28
- Views: 3124
Re: HDHP vs Kaiser HMO
In SF and been with Kaiser for two years. Still have some adjustment issues -- probably because I don't go that often and the system is so different to me. I like it quite a bit. They keep tabs on you and remind you it's time for certain appointments and if you're new they will "hound" you...
- Fri Mar 15, 2019 11:21 pm
- Forum: Personal Investments
- Topic: Most people wish they invested more and sooner. Any of you wish they invested less?
- Replies: 38
- Views: 4915
Re: Most people wish they invested more and sooner. Any of you wish they invested less?
No. Yes? It's more where/how the money was invested, like a few others have mentioned. I'm winding down my work years and have nothing in taxable, a nice amount in Roth IRA/401k and very nice amount in a traditional 401k. Now I struggle with the best way to do things - moving to a LCOL state and buy...
- Tue Nov 06, 2018 10:59 pm
- Forum: Personal Consumer Issues
- Topic: organizations that help sea animals
- Replies: 11
- Views: 950
Re: organizations that help sea animals
Marine Mammal Center: http://www.marinemammalcenter.org/
Mission statement: http://www.marinemammalcenter.org/about-us/
Mission statement: http://www.marinemammalcenter.org/about-us/
- Tue Jul 31, 2018 7:02 pm
- Forum: Investing - Theory, News & General
- Topic: Are women worse at investment?
- Replies: 24
- Views: 1808
Re: Are women worse at investment?
No, they just have less to invest.
- Sun Apr 29, 2018 6:41 pm
- Forum: Personal Investments
- Topic: Relatively stable 1 year investment that doesn't involve interest?
- Replies: 37
- Views: 3280
Re: Relatively stable 1 year investment that doesn't involve interest?
A checking account.
- Sat Mar 03, 2018 9:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to Minimize Your Emergency Care Expenses
- Replies: 402
- Views: 193171
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 ...
- Sun Nov 19, 2017 10:50 pm
- Forum: Investing - Theory, News & General
- Topic: Where did you first learn about investing?
- Replies: 98
- Views: 8128
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 cam...
- Thu Oct 26, 2017 12:35 am
- Forum: Personal Investments
- Topic: How Well Do You Know About Retirement Income?
- Replies: 40
- Views: 5726
Re: How Well Do You Know About Retirement Income?
6 of 6
Woo hoo!
Woo hoo!

- Tue Sep 05, 2017 4:32 pm
- Forum: Personal Consumer Issues
- Topic: Seattle in 3 days
- Replies: 38
- Views: 4150
Re: Seattle in 3 days
Ferry trip to Vancouver Island.
- Sat Jul 08, 2017 6:36 pm
- Forum: Personal Finance (Not Investing)
- Topic: Last 80 minutes of my career
- Replies: 64
- Views: 13036
Re: Last 80 minutes of my career
So how's your new life so far?
Seriously, congratulations, I hope to follow your lead some day.

- Mon Jun 05, 2017 3:33 pm
- Forum: Personal Consumer Issues
- Topic: Transcription Services
- Replies: 9
- Views: 1809
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...
- Sun Apr 02, 2017 8:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Low-earners- What is your profession?
- Replies: 371
- Views: 57497
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.
- Thu Mar 30, 2017 5:12 pm
- Forum: Personal Consumer Issues
- Topic: Is the secret to getting wealthy...
- Replies: 48
- Views: 6178
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...
- 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: 15351
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...
- Fri Dec 16, 2016 10:03 pm
- Forum: Personal Investments
- Topic: Question re 401(k) contribution discrepancy
- Replies: 3
- Views: 545
Re: Question re 401(k) contribution discrepancy
Thank you for your responses, that makes perfect sense. Yes, it's on my W2.
- Thu Dec 15, 2016 6:00 pm
- Forum: Personal Investments
- Topic: Question re 401(k) contribution discrepancy
- Replies: 3
- Views: 545
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...
- 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: 1948
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 resp...
- 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: 14444
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...
- Tue Jul 26, 2016 4:01 pm
- Forum: Investing - Theory, News & General
- Topic: John Bogle's home
- Replies: 36
- Views: 11328
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 a...
- Sun Jul 24, 2016 1:31 pm
- Forum: Investing - Theory, News & General
- Topic: King Solomon was the original Boglehead - historically speaking
- Replies: 28
- Views: 3070
Re: King Solomon was the original Boglehead - historically speaking
Cutting babies in half - asset allocation. 

- Tue Jul 19, 2016 6:11 pm
- Forum: Personal Consumer Issues
- Topic: Bay Area Salary Thread
- Replies: 22
- Views: 3398
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.
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.

- Sat Jul 09, 2016 6:36 pm
- Forum: Personal Consumer Issues
- Topic: What to do around Vegas during Winter?
- Replies: 21
- Views: 2875
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...
- 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: 15040
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...
- Sun Jul 03, 2016 8:44 pm
- Forum: Personal Investments
- Topic: Accurately rebalance mutual fund portfolio [how to]
- Replies: 24
- Views: 2269
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...
- 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: 9103
Re: Are Rentals As Bad As Some Make Them Out To Be?
Does anyone use a management company? How has that worked out?
- Sun Jun 05, 2016 12:37 am
- Forum: Personal Consumer Issues
- Topic: Is Cricket Wireless down for lots of people?
- Replies: 21
- Views: 5155
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 ...
- Sat May 21, 2016 4:15 pm
- Forum: Personal Consumer Issues
- Topic: series/ movies filmed in your home town?
- Replies: 87
- Views: 6706
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 ...
- Sun May 01, 2016 5:48 pm
- Forum: Personal Consumer Issues
- Topic: WOW fantastic Cars in the Wild
- Replies: 91
- Views: 15534
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.
- Sat Apr 30, 2016 12:18 am
- Forum: Personal Consumer Issues
- Topic: Visiting Napa Valley, CA
- Replies: 20
- Views: 3130
Re: Visiting Napa Valley, CA
Yountville for dining: http://www.napavalley.com/businesses/?c ... yountville
- Tue Apr 26, 2016 1:08 am
- Forum: Personal Finance (Not Investing)
- Topic: If not Children - Who/What Leave Estate To?
- Replies: 27
- Views: 5458
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...
- Tue Apr 05, 2016 11:05 am
- Forum: Personal Consumer Issues
- Topic: Sensory Deprivation Tanks
- Replies: 23
- Views: 3420
Re: Sensory Deprivation Tanks
I was going to mention this. Talk about regression session!TheTimeLord wrote:Check out the movie "Altered States" with William Hurt.
- Thu Mar 03, 2016 3:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Has your number changed?
- Replies: 52
- Views: 9074
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. 

- Fri Jan 29, 2016 5:51 pm
- Forum: Personal Consumer Issues
- Topic: Rain, what rain?
- Replies: 17
- Views: 2668
Re: Rain, what rain?
Well, in Northern California there are some people with threatened homes that would disagree with you. One has been razed already.john94549 wrote:The January miracle turned into the January fizzle. Only folks in California would understand.
- Thu Jan 14, 2016 3:23 pm
- Forum: Personal Finance (Not Investing)
- Topic: Does a BH play the lottery?
- Replies: 78
- Views: 10437
Re: Does a BH play the lottery?
Yes! In California, that's a whole $5.coffeehubcap wrote:Yes. I matched one number plus the power ball....do I get anything?
- Thu Jan 14, 2016 2:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: What's your company 401k contribution
- Replies: 105
- Views: 8775
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. 

- Tue Jan 05, 2016 4:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Savings % Target 2016?
- Replies: 168
- Views: 15684
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 ...
- Wed Dec 02, 2015 3:34 pm
- Forum: Personal Consumer Issues
- Topic: "Congratulations on your purchase!" (But why?)
- Replies: 27
- Views: 7127
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...
- Tue Sep 08, 2015 4:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Young adult establishing credit
- Replies: 20
- Views: 1733
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...
- Thu Sep 03, 2015 11:00 am
- Forum: Personal Finance (Not Investing)
- Topic: Goal: Have $0 left when I die
- Replies: 66
- Views: 6651
Re: Goal: Have $0 left when I die
I guess the last check would go to the hitman. 

- Sat Aug 29, 2015 5:31 pm
- Forum: Investing - Theory, News & General
- Topic: Aug 2015 correction: what Bogleheads did...
- Replies: 143
- Views: 14631
Re: Aug-15 correction: what Bogleheads did...
Just stood there looking stupid, but that's my natural visage.siamond wrote:WHAT ABOUT YOU, WHAT DID YOU DO?

- Sat Aug 29, 2015 5:25 pm
- Forum: Personal Consumer Issues
- Topic: Will you buy an Apple Watch?
- Replies: 456
- Views: 76295
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.... 

- 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: 9789
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. S...
- Sat Feb 21, 2015 5:36 pm
- Forum: Personal Consumer Issues
- Topic: Prom budget for teenage girl?
- Replies: 88
- Views: 10922
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...