Search found 434 matches

by truenorth418
Sat Nov 02, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Cruises, where to book?
Replies: 17
Views: 1655

Re: Cruises, where to book?

Call the NCL rep on the toll free number listed on their website. Ask if they can offer any “extras” that you’d actually be interested in. Put down a deposit. Check back occasionally to see if there are any price decreases prior to final payment is due. If there are any price reductions, call your r...
by truenorth418
Sun Sep 08, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5429

Re: Retirees: Ever feel really lazy?

I love being retired, but yes sometimes I do feel a little lazy. For example, I love to go to the gym in the morning after breakfast, but sometimes I procrastinate and visit the bogleheads forum for a few hours instead instead. This is one of those mornings.
by truenorth418
Sun Aug 25, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Marrying earlier for insurance/finances?
Replies: 39
Views: 2958

Re: Marrying earlier for insurance/finances?

Anyone who has been divorced can tell you that marriage at its core, once all the trappings are stripped away, is just a special kind of legal contract. It’s a contract between 2 people, their local, state, and federal governments. It’s a contract with significant legal, personal finance, and tax im...
by truenorth418
Fri Aug 23, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 74
Views: 10452

Re: Prepare for Recession?

apple44 wrote:
Wed Aug 21, 2019 5:23 pm
There has been a lot of talk recently about the upcoming recession. The rumor is that a recession is coming in the next 12 months.
I don't watch the news so I must have missed these "rumors". When will this "upcoming recession" begin?
by truenorth418
Sun Aug 18, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11683

Re: Do Bogleheads plan to utilize Independent Living facilities?

Thanks for posting this. I look forward to the responses.

I intend to do this. Even if I do have family close by at that time, I would not want to be a bother to them.
by truenorth418
Sat Aug 17, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8756

Re: Taking a break in your 50s: Is it the kiss of death?

I'm sure there are exceptions, but taking a "career break" is mostly considered unacceptable in corporate America, at least in my experience. I never understood why this might be the case. Any idea? I certainly wouldn't hold that against a qualified candidate. I can only speculate: - Maybe the hiri...
by truenorth418
Sat Aug 17, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8756

Re: Taking a break in your 50s: Is it the kiss of death?

I left a high paying corporate job at age 47. As I had been working non-stop for 25 years in high pressure jobs at big companies - without anything more than a week-long vacation once in a while - I decided to take a 2 month backpacking trip across Europe to treat myself and reflect. It was the end ...
by truenorth418
Sat Aug 10, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 116
Views: 16235

Re: How do you afford to travel?

I don't care for flying, especially long haul flights. But sometimes it's unavoidable since I love to travel. In recent years, in retirement, I have begun to take use repositioning cruises, transatlantic cruises, and the like as a relaxing, enjoyable alternative. Likewise, after years of awful commu...
by truenorth418
Wed Jul 24, 2019 2:41 am
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6244

Re: Thank you notes,,, out of favor these days?

I wish this is a social convention that would die. I HATE giving or receiving thank-you notes for socially expected gifts (Birthdays, Births, Christmas, Weddings, Graduations). When I give a gift to a younger relative, I always tell them not to send a thank-you note. Why? Because each of those even...
by truenorth418
Mon Jul 01, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Intentional Divorce to avoid Marriage Penalties in tax code?
Replies: 54
Views: 5136

Re: Intentional Divorce to avoid Marriage Penalties in tax code?

As anybody who has gone through a divorce can tell you: today's marriage is, after all the the trappings are stripped away, essentially a legal contract between two individuals and their local, state and federal governments. This special contract has numerous potential legal, tax, and personal finan...
by truenorth418
Thu Jun 27, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7209

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

What is this obsession with "living near family"? 1) you have your own family now - wife, 2 kids. Everyone else is now just "extended family" 2) Atlanta has a major international airport - you can fly anywhere to visit your extended family or whoever you want, on your own timetable 3) How about you...
by truenorth418
Thu Jun 27, 2019 6:15 am
Forum: Personal Investments
Topic: Liability matching VPW plan
Replies: 17
Views: 1657

Re: Liability matching VPW plan

OP, I really like the way you laid out your plan - graphically and with the corresponding bullet points. It's a great way to visualize how a matching + variable withdrawal plan can work together over time. I think in your case your plan looks very reasonable.
by truenorth418
Wed Jun 19, 2019 5:25 am
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 82
Views: 7209

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

What is this obsession with "living near family"? 1) you have your own family now - wife, 2 kids. Everyone else is now just "extended family" 2) Atlanta has a major international airport - you can fly anywhere to visit your extended family or whoever you want, on your own timetable 3) How about your...
by truenorth418
Sun Jun 16, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 12970

Re: With hindsight, what signs indicated you were about to lose your job?

When my job description was changed to “Special Projects”.
by truenorth418
Thu Jun 06, 2019 8:01 am
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 6445

Re: Thank you, Taylor Larimore!

Thank you Taylor - both for your military service and your role in creating and sustaining the Bogleheads community.
by truenorth418
Sun Jun 02, 2019 8:57 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 8240

Re: Do you regret taking a pay cut for quality of life?

Yes I do regret taking a pay cut for quality of life. Years ago, early in my career, I was a marketing executive in the pharmaceutical industry. I always struggled to get my head around the science aspects, and I thought I would prefer working in the consumer products industry. So I took a pay cut t...
by truenorth418
Thu May 16, 2019 9:01 am
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 11422

Re: Does your retirement plan work if stocks are flat or in decline for decades?

It depends how big would be the market decline. But I have Social Security and a small pension waiting for me down the road, for now I am not counting them, I consider them “reinforcements”.

Also I could cut back spending significantly as most of my spending is discretionary.
by truenorth418
Wed May 08, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4898

Re: wedding gift value

I'm 99% sure that the bride and groom don't look at each gift and say, "OMG, did you see X & Y only gave us one place setting from our registry? How rude!" It happens. Once I didn’t give a gift at all... because the invitation said “Please no gifts your presence is all we’re looking for”. I drove 1...
by truenorth418
Wed May 08, 2019 1:56 am
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 4898

Re: wedding gift value

I have never married and I don’t intend to. But I have been to many weddings. Frankly, I have grown weary of having to make the decision of how much to spend on a wedding gift, or whether to attend at all if the wedding is in a far flung destination and expensive travel is involved. I believe the co...
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: 130
Views: 28420

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: 9377

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: 9377

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: 18242

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: 5953

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: 16735

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: 155
Views: 11778

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: 9845

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: 4003

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: 9469

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: 1108

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: 41
Views: 5980

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: 16507

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: 57112

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: 136
Views: 8533

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: 136
Views: 8533

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: 15998

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: 15998

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: 15207

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: 241
Views: 23099

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: 1447

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: 7499

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: 12309

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: 7499

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: 7499

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: 5442

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: 1220

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: 14304

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: 2049

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: 12244

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: 4253

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. ...