Search found 415 matches

by truenorth418
Sun Apr 21, 2019 4:54 am
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 82
Views: 15960

Re: How and when did you do it - to get to 1 Million

I was 43 when I achieved 1 million in investable assets. (I already owned my home free and clear). I did this after working my ass off in a corporate marketing job I despised and saving over 70% of my after tax lifetime income to that point, most of this saved after about age 35.
by truenorth418
Fri Apr 05, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8207

Re: Married couples: can you have a team mentality with separate finances?

there are really only three logical reasons a husband would want to keep money seperate: 1. He wants to play with some of the money and not answer for the spending. Totally get that, so we have an allocated “play money” to handle that. You get some blow money (me: golf, guys trips, etc.) (her: shop...
by truenorth418
Fri Apr 05, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 8207

Re: Married couples: can you have a team mentality with separate finances?

I've said it before, I'll say it again. Ask any divorced person and they can tell you that, despite what social programming tells us, and despite what we may want to believe in terms of romance, religion, etc, modern marriage at its core is essentially a legal contract between two people and their l...
by truenorth418
Wed Apr 03, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 16415

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

When I was working for a big corporation in my 20s I saw many of my mentors, aged in their 40s, being marginalized and pushed out. These people had families, mortgages, etc. It was sad and frightening. So I resolved to not let that happen to me and I began planning for financial Independence, sockin...
by truenorth418
Fri Mar 29, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5210

Re: Help on Women and Investing

Women have the same access to all the same information and resources that men do. Some women take the time to learn, others don’t. Same as men. At the end of the day it comes down to choices. Let’s not treat women like children.
by truenorth418
Fri Mar 29, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 13991

Re: How often do you check your net worth?

I have a google spreadsheet linking to quotes in real time, so I can check my net worth and all my positions any time I want. If I’m bored, I check it too often. If I’m busy, I ignore it.
by truenorth418
Fri Feb 01, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9670

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Why do you own a dog if you are unable to treat him with the care that he needs? Expecting a dear pet to "hold it" for hours on end seems unreasonable and, frankly, very cruel. Also. to be absent from work for long periods of time so that you can go home to walk your dog is unfair to your co-workers...
by truenorth418
Fri Feb 01, 2019 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 9043

Re: Marriage "Benefits"

I met a guy recently who married his husband in order to obtain health insurance benefits.
by truenorth418
Mon Jan 28, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 3669

Re: Do you do backpacking in your 50s or 60s?

Yes. I am 54 and still backpack. I am early retired and love to travel. I travelled 2 months by train across eastern Europe last summer. I have done something similar most summers over since retiring 7 years ago. I am spending this winter in South America and will head back over to Italy and Germany...
by truenorth418
Sat Jan 26, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 8847

Re: No Children, what will your legacy be?

I don’t have any children, so currently my estate plan divides up my personal accounts between my nieces and nephews, while my retirement accounts are directed to some favorite charities. It’s a simple way to do it. But the thing is, I’m not that close to my nieces and nephews, so I am considering m...
by truenorth418
Wed Jan 23, 2019 6:31 pm
Forum: Personal Investments
Topic: Depositing Checks at a Schwab Branch?
Replies: 7
Views: 936

Re: Depositing Checks at a Schwab Branch?

I’ve never had a problem depositing a check at a Schwab office. They key it in immediately and hand you a receipt showing the new account balance. I wouldn’t hesitate to do so in your situation.
by truenorth418
Sun Jan 20, 2019 3:20 am
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 26
Views: 2931

Re: NY Times $1 per week digital

"NY Times $1 per week digital"?

No, sorry, you'd have to pay me a lot more than $1 per week.
by truenorth418
Fri Jan 18, 2019 6:37 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle's Obituary From The Family
Replies: 48
Views: 15544

Re: Jack Bogle's Obituary From The Family

Thank you for sharing this. Mr. Bogle left a profound family legacy in addition to his contributions to the fund industry.
by truenorth418
Wed Jan 16, 2019 5:42 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 50309

Re: John Bogle is dead at 89

May he rest in peace.

Condolences to his loved ones.
by truenorth418
Sun Jan 06, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7584

Re: Engagement Ring (Affordable)

3. We fought a little as she was initially disappointed. I stood my ground and told her to search more and be patient. 4. She took my advice, looked around more and found a nice ring to her liking at Macy's. She waited until she could get the maximum sale/coupons applied. In the end, it ended up be...
by truenorth418
Sun Jan 06, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 138
Views: 7584

Re: Engagement Ring (Affordable)

Congratulations! And good luck. It might make you feel better about the expense of the engagement ring you're supposed to buy for her, if she were to buy you a gift for yourself of roughly equal value. I don't know the kinds of things that would interest you, but some ideas off the top of my head ar...
by truenorth418
Sat Jan 05, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 14874

Re: Retirement itch- when did you get it?

I saw a movie, "Lost in America", about a yuppie couple that "cashed out" to travel the country in an RV. I remember thinking to myself at the time, "Hmm, that's an interesting concept, work really hard for 10 or 20 years, save as much money as possible, and then live off the interest, or whatever"...
by truenorth418
Mon Dec 03, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 14874

Re: Retirement itch- when did you get it?

I knew I wanted to retire early beginning at the age of 21, when I was in college. I saw a movie, "Lost in America", about a yuppie couple that "cashed out" to travel the country in an RV. I remember thinking to myself at the time, "Hmm, that's an interesting concept, work really hard for 10 or 20 y...
by truenorth418
Mon Dec 03, 2018 3:12 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 14627

Re: Retired in your late 40s or early 50s?

I retired 7 years ago at age 47. It was a great decision and I have never regretted it. There is no reason to fear being bored or anything like that. To me, being bored in retirement just means a lack of imagination and creativity. Retirement opens up so many opportunities. You can even go out and g...
by truenorth418
Sat Nov 24, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 15577

Re: What is your allocation to U.S. and International?

65 stock 35 bond

Stock 60 US 40 Ex-US

Bond 100 US
by truenorth418
Sat Nov 03, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: What FIRE says to me [Financial Independence, Retire Early]
Replies: 10
Views: 1288

Re: What FIRE says to me

What do you think? (Fire away!) What do I think? I think you’re out of line. I’m happy that you enjoyed the latter part of your career. I’ve wanted to retire early since I was a junior in college. I worked my butt off for years to make it happen. Now I’m financially independent and retired In my ea...
by truenorth418
Thu Nov 01, 2018 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7383

Re: Just Divorced -- Need Help

The jaded person is the one that closes their eyes to the financial implications of a potential divorce. A divorce can be financially devastating, often for decades after the marriage ended. Divorce is very common today - the divorce rate is still almost 50% of marriages. Why not acknowledge and ad...
by truenorth418
Thu Nov 01, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11915

Re: Minimalist Lifestyle

I donated virtually everything I owned so I could spend a few years traveling around the world. I literally live out of a suitcase. Meanwhile, I keep only a small storage space back in the States with 3 small boxes containing tax returns, other personal papers, and some leftover clothes. I will redu...
by truenorth418
Fri Oct 12, 2018 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7383

Re: Just Divorced -- Need Help

I can never quite understand how the debt one spouse creates can be the responsibility of the other spouse in a divorce. I’ve said it before, I’ll say it again. As anyone who has been through a divorce can tell you, at it’s core marriage is a legal contract between 2 people and their local, state a...
by truenorth418
Thu Oct 11, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7383

Re: Just Divorced -- Need Help

I can never quite understand how the debt one spouse creates can be the responsibility of the other spouse in a divorce. I’ve said it before, I’ll say it again. As anyone who has been through a divorce can tell you, at it’s core marriage is a legal contract between 2 people and their local, state a...
by truenorth418
Thu Oct 11, 2018 6:07 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5352

Re: Feeling Guilt among family/peers

Congratulations! You have nothing to feel guilty about. You have made your choices based on your values, and you have achieved your goals. Good for you! As for your friends and family, they have made their choices, too, and if they did not end up in the same place, well, that's their problem. When I...
by truenorth418
Fri Oct 05, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Jack's Wisdom: What's next for the market and what to do about it
Replies: 8
Views: 1193

Re: Jack's Wisdom: What's next for the market and what to do about it

Whatever happened to “stay the course”? And “nobody knows nuthin’”?
by truenorth418
Sat Sep 29, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 13136

Re: Moneytalk with Bob Brinker coming to an end

I listened to Brinker's show regularly for many years and learned a lot from him. I have purchased iBonds every year since year 2000 based on his recommendations - and of course the iBonds from the early 2000's are still earning those juicy fixed rates today. They remain the foundation of my bond/"s...
by truenorth418
Sun Sep 23, 2018 3:17 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 1926

Re: How do you define your success in our life, career and job?

Short and long term happiness. (as long as it doesn't hurt others)
by truenorth418
Sat Sep 15, 2018 1:50 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11796

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

When I was approaching FI, what little interest I had in my high-paying corporate job was turning into outright contempt, and it showed. Like an old actor who was no longer interested in the role he was supposed to be playing, I could no longer keep up any pretense that I cared at all about what was...
by truenorth418
Fri Sep 07, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Go to Istanbul next week. Any suggestions
Replies: 50
Views: 3997

Re: Go to Istanbul next week. Any suggestions

I completed my first visit to Istanbul recently. It was terrific. Not only are there amazing historical sites, the people I encountered were very friendly. Tourism from the US seems to have dropped off recently, although the US dollar is very strong and Turkey is currently a very good travel value. ...
by truenorth418
Fri Sep 07, 2018 2:25 am
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 6181

Re: Taylor's new book is #1

Congratulations Taylor!!
by truenorth418
Thu Sep 06, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 19411

Re: How to Retire in Your 30's with $1 Million in the Bank

These financial independence-early retirement threads always seem to devolve into rants about "laziness", "milking the system", obamacare subsidies and whatnot. The earlier thread was deleted, but this new one seems to have gone down the same path. Here's my personal experience in a nutshell. I hope...
by truenorth418
Tue Sep 04, 2018 3:00 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 19411

Re: How to Retire in Your 30's with $1 Million in the Bank

I think detractors suffer from a lack of imagination. They just can't comprehend how someone didn't buy into the white picket fence fairy tale that gets sold in this country. I agree that lack of imagination is part of the problem. But there is something else that I have never been able to fully un...
by truenorth418
Sun Sep 02, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9355

Re: Pre nups.

Thank you all for the input and perspectives. We did sign the prenup a few days back. It was a sad experience for me bringing it up but over the years, I've come to see that life can be unpredictable (just like the stock market...). We can both put in our very best but how we evolve over time remai...
by truenorth418
Thu Aug 23, 2018 1:51 am
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 3044

Re: Rating system for posts/posters ?

This forum already is diligently moderated.

The “rating system” already is in place. It is reflected in the number of reads, number of comments, and recency of comments.

In this respect it is one of the best administered online forums I know of.
by truenorth418
Mon Aug 20, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10821

Re: Vanguard predicts 10 year equity returns

I thought Vanguard was all about "nobody knows nuthin'" and "tune out the noise".

Disappointed that Vanguard keeps making long term stock market predictions. What's next? Individual stock picks like Cramer?
by truenorth418
Thu Aug 16, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3280

Re: Celebrating the day you retired

I slept in, had a big breakfast, went to the gym. Then I went to the movies and treated myself to dinner at my favorite restaurant.

On the second day of my retirement I planned out a 2 month backpacking trip by train across Europe.
by truenorth418
Mon Aug 06, 2018 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10610

Re: Few weeks into new job recieved significantly better offer elsewhere

Neither of these companies would hesitate to fire you if it made sense financially to do so. They have a responsibility to put their bottom line first. So do you. See if your current company can match or beat the other offer. If they can’t, leave, and don’t look back.
by truenorth418
Mon Jul 30, 2018 11:54 pm
Forum: Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 6287

Re: Financial upside / downside of marriage vs cohabiting

I think it’s wise for you to investigate this to knownwht you are getting yourself into. A lot of people don’t do the research and get blind sided later on. As any divorced person can tell you, marriage at its core is a legal contract with significant legal, tax and personal finance implications. So...
by truenorth418
Sat Jul 28, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 13586

Re: Retire Internationally for FIRE

What is the advantage of Fire abroad? Why not just do it somewhere low cost here? Seems like culture shocks, language, lack of social support would remove any advantages? Other than cost, which has been addressed in the thread already, how about culture? Adventure? New experiences? Climate? Better ...
by truenorth418
Sat Jul 28, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10957

Re: Toughest Purchase of my Life. Engagement Ring time

You’ll only get married once in your life, and you’ll be married to this person until you die, so you should make sure to start off on the right foot. Absolutely spend this money on the engagement ring! Maybe more! After all, as the saying goes “Happy wife, happy life!” After all, she’s going to wan...
by truenorth418
Sat Jul 21, 2018 3:06 am
Forum: Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 9479

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

If instead of the stock you inherited an equal value in cash, would you immediately run out and spend all the cash to buy this stock? No? Then why effectively do the exact same thing by holding onto the stock?
by truenorth418
Thu Jul 12, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 20920

Re: COMING SOON: BOGLEHEADS PODCASTS

When I think about parameters for a good name for this podcast: 1) Telegraphs what the podcast will be about for non Bogleheads.org users. So "Bogleheads Podcast" doesn't work. 2) Covers the full breadth (or close to it) of what the Bogleheads philosophy is about. So any focus purely on investing d...
by truenorth418
Thu Jul 12, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 20920

Re: COMING SOON: BOGLEHEADS PODCASTS

"The Bogleheads Podcast"
by truenorth418
Thu Jul 05, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab better than Transferwise?
Replies: 2
Views: 678

Re: Charles Schwab better than Transferwise?

I have transferred funds from Canadian banks to my Schwab account numerous times. They do not charge, the process was fast and seamless. I highly recommend this approach.
by truenorth418
Wed Jun 27, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Best time to travel to Iceland?
Replies: 22
Views: 3094

Re: Best time to travel to Iceland?

WhiteMaxima wrote:
Mon Jun 25, 2018 4:01 pm
truenorth418 wrote:
Mon Jun 25, 2018 3:56 pm
Best time to go was last week.
FIFA Would Cup 2018?
No - last week was the equinox - longest day - it is cool being in Iceland when the sun doesn't actually set.
by truenorth418
Wed Jun 27, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9355

Re: Pre nups.

Prenups are great. They provide an excellent vehicle to have a very concrete discussion about financial expectations in the marriage. It's better to talk about these things prior to marriage, and while you may touch on them to a certain extent without a prenup, a prenup puts a narrow focus on the i...
by truenorth418
Mon Jun 25, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Best time to travel to Iceland?
Replies: 22
Views: 3094

Re: Best time to travel to Iceland?

Best time to go was last week.
by truenorth418
Sun Jun 24, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 2106

Re: Thoughts on Canadian Universities [Dual US / Canadian citizen]

It has been a long time since I was acquainted with Canadians, but I thought I recalled that High School in Canada went through Grade 13 - as opposed to Grade 12 in the US. Does that affect entering students at Canadian Universities? Grade 13 was a university prep year but only in the province of O...