Search found 1392 matches

by investingdad
Sat Sep 15, 2018 7:54 pm
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: 10725

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

This has been a good conversation with thoughtful replies. I appreciate what everyone has contributed. One of the underlying reasons I posted this I mentioned in my earlier reply. I've gotten tired of the arrogance and inflated egos from some of the promoted people I interact with. Especially when I...
by investingdad
Sat Sep 15, 2018 6:30 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: 10725

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

Workload in my role cycles up and down. When I'm busy I find that I'm engaged and enjoying my work. So the key will really to be kept busy.

But I'm finding my tolerance for the egoes of the promoted to be waning.
by investingdad
Fri Sep 14, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Any cello players here?
Replies: 6
Views: 301

Any cello players here?

Wondering if anyone here plays or played the cello? I was kicking around picking up an "Amazon Special" for a few hundred dollars just to mess around. I'm intrigued by the instrument mostly because I started playing the violin about two years ago (well documented on here in a different thread :happy...
by investingdad
Fri Sep 14, 2018 9:27 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: 10725

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

I will also add that my feelings on the subject have been shaped by the specter of corporate layoffs. From the time I started working as an engineer in the 90s, the companies I've worked for have done layoffs for various reasons. I got caught once. My previous employer was bought and our division sh...
by investingdad
Fri Sep 14, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3111

Re: How to help teenager fix silly mistakes in math?

It’s a consequence of social media. In social media driven world, everything is quickly done and final. Your daughter is not alone in that regard. No it isn't. It's a product of personality. My daughter is 13, is in Honors math, and is not prone to silly mistakes. My son is 11, is in Honors math, a...
by investingdad
Fri Sep 14, 2018 7:43 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: 10725

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

I'm glad to see that I'm not the only one who has a similar view as I do on this. Our CEO is in his late 70s, has a published net worth of close to $100 million, and (per colleagues of mine that interact with him frequently), works constantly...on his chauffeured commute to the office, back home aga...
by investingdad
Thu Sep 13, 2018 9:25 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: 10725

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

I'm curious if folks that are FI, or close to it, and who have fought to climb a corporate ladder have found their desire waning. I'm in my mid 40s and this is probably prime promotion and climbing years. But given our financial situation, I don't see the point. I enjoy working and what I do, but I ...
by investingdad
Thu Sep 13, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3322

Re: Buying a house 1 mile away from a municipal landfill

Truck traffic would be my concern. It never stops.
by investingdad
Wed Sep 12, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5033

Re: Advice on how to deal with barking dogs

There's always lead poisoning.

I kid.

Seriously, you have to decide if you want to live there long term. I was fed up with road noise at the first house we built, so we built another new home and sold the first.

Much happier.
by investingdad
Tue Sep 11, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Singing/Voice Classes
Replies: 20
Views: 1301

Re: Singing/Voice Classes

Thank you all for the responses. I think I'll give it a shot! I certainly would if I were you. I'm taking a similar journey, albeit with instrument, and I'm fairly certain that up to 80% of what I perceive as musical talent is simply a combination of desire and serious effort. The balance is the na...
by investingdad
Tue Sep 11, 2018 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7073

Re: Anyone else playing catch-up in their 40's?

Might I make a controversial non-Bogleheadish suggestion? Perhaps those who are starting late are more likely to use up every dollar of earnings during their lifetime. Which means they would have fully enjoyed the fruits of their labor across the course of their lives. That sounds to me like a bett...
by investingdad
Mon Sep 10, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5033

Re: Advice on how to deal with barking dogs

Whatever you decide, don't take the "concerned about the dog's health" route. That's a ticket to bigger outdoor pens.

They're a nuisance, plain and simple.
by investingdad
Sun Sep 09, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2193

Re: Video Game Collection

Finding a buyer is probably going to be the hard part. I'd sell as well. I'm 45 and grew up playing video games, starting with the original Atari. I feel lucky having spent my school years in mall arcades. I still play, but not as much. Mostly I just get my butt kicked by my kids at football, soccer...
by investingdad
Wed Sep 05, 2018 7:04 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5784

Re: Elderly (innocent) relative received this horrible email

It's clever and I award the scammer partial points for the effort.

But Black Mirror earns full marks for the idea.

Hit delete.

Then show them this thread.
by investingdad
Wed Sep 05, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4575

Re: How much do you spend on kids extracurriculars?

How much do I spend now? $0 (the kids are all gone from the house). I don't want to know how much I spent over the years on activities for 3 kids, but it was a lot. The bigger investment was the time spent attending and getting the kids to/from practices, games, matches, races, etc... Back in the t...
by investingdad
Wed Sep 05, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4575

Re: How much do you spend on kids extracurriculars?

My kids are grown now, but from my experience many parents paid all these crazy club team fees thinking their little Johnny/Sally would be the next great superstar. Rarely happens and mostly a waste of money, especially if they could have just played in a local league. I've coached multiple sports ...
by investingdad
Wed Sep 05, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1162

Re: Your experience with Nitrous for a dental implant?

Yes, the endo retreated the two affected teeth. His assessment is that, after a full year, the one is healing but the one that I broke is not. He suggested removing the one that isn't healing. Both he and the oral surgeon believe doing an apio will risk the non broken tooth if it doesn't work. I use...
by investingdad
Wed Sep 05, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1162

Re: Your experience with Nitrous for a dental implant?

I really just want something mild to destress, I'm assuming it would be used in conjunction with novocaine. The original root canal work when I was 12, then 17, with the "family" dentist was... stressful and painful. It may have been 30 years ago, but I can recite the details like it was yesterday.
by investingdad
Wed Sep 05, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Your experience with Nitrous for a dental implant?
Replies: 27
Views: 1162

Your experience with Nitrous for a dental implant?

I'm not seeking medical advice. I broke a front tooth as a kid. Long story short, incomplete root canal led to a abscess that was finally treated last year. However, bone isn't healing properly so tooth has to come out. Bone graft needed, then the implant after it's healed. I've stated my desire to ...
by investingdad
Wed Sep 05, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4575

Re: How much do you spend on kids extracurriculars?

My kids are grown now, but from my experience many parents paid all these crazy club team fees thinking their little Johnny/Sally would be the next great superstar. Rarely happens and mostly a waste of money, especially if they could have just played in a local league. I've coached multiple sports ...
by investingdad
Wed Sep 05, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: BH Musicians, your feedback for the violin noobie?
Replies: 9
Views: 601

Re: BH Musicians, your feedback for the violin noobie?

Thank you for the comments. I wanted to respond to a few of the things mentioned. Finger strength. Yes, it's a biggie. And I'm finding it also extends to the forearm and, to some extent, shoulder flexibility to allow bringing the left elbow further under the violin when needed. Also, finger flexibil...
by investingdad
Tue Sep 04, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4575

Re: How much do you spend on kids extracurriculars?

Daughter, $100 a month for private flute instruction. Son, $100 a month for private saxophone instruction. Son, $25 a month for travel club soccer. That's it. And, let me say this. The travel soccer? Same two dads have been volunteer coaching his team since 1st grade. He's in sixth grade now. They w...
by investingdad
Tue Sep 04, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: BH Musicians, your feedback for the violin noobie?
Replies: 9
Views: 601

BH Musicians, your feedback for the violin noobie?

For any musically inclined folks on here, I'd be interested to hear your comments on me playing the same piece on the violin, one year apart. I've documented on here that I decided to learn violin at the age of 43 after a lifetime of playing nothing. I made two recordings of me playing Adeste Fideli...
by investingdad
Sun Sep 02, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18020

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

The job was high-pressure: He had to document every step for the Food and Drug Administration Wah wah wah. Your post reminded me of my reaction to this article while thinking about my experience trying to earn my chemical engineering degree from State U. It was stressful and high pressure from the ...
by investingdad
Thu Aug 30, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Native German speakers: need help with translation.
Replies: 17
Views: 1947

Re: Native German speakers: need help with translation.

If "free of charge" is the question, would we alter it to, "Bist du"?
by investingdad
Wed Aug 29, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ty Bernicke, FIREcalc, and SS payments paint a rosy picture
Replies: 9
Views: 665

Re: Ty Bernicke, FIREcalc, and SS payments paint a rosy picture

With a networth between $2M and $3M at 45 and assuming you have dual high incomes, I'm not surprised. Sounds like you can afford to buy some more $5K pinball machines and musical instruments for your collection. :happy Your post would have been more useful if you stated more about what your "pessim...
by investingdad
Wed Aug 29, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ty Bernicke, FIREcalc, and SS payments paint a rosy picture
Replies: 9
Views: 665

Re: Ty Bernicke, FIREcalc, and SS payments paint a rosy picture

So, if I believe SS will be around in 2035 and onward, and Bernicke model is correct, I should be closer than I think. I'm skeptical. You should be. Remember that SS is based on your top 35 years of earnings and under your scenario there will be a lot of years with zeros in them. If you can make it...
by investingdad
Wed Aug 29, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Ty Bernicke, FIREcalc, and SS payments paint a rosy picture
Replies: 9
Views: 665

Ty Bernicke, FIREcalc, and SS payments paint a rosy picture

I use FIREcalc a lot. And I've always tried to take a pessimistic approach to stay on the right side of the retirement equation. Well, I tried the opposite approach today and I am skeptical. We are 45. First, I used SS.gov to give me an estimated benefit for my wife and I assuming stopping work at 4...
by investingdad
Tue Aug 21, 2018 5:54 am
Forum: Personal Finance (Not Investing)
Topic: How much do you put away in investments?
Replies: 66
Views: 5415

Re: How much do you put away in investments?

It's posts like these that make me feel like I'm failure in life. :oops: Some people 50% of their savings are more than what I make in a year. Doesn't bother me in the least. We save about 22% of our gross salary of 250k a year. Company match puts us at the equivalent of 28%. Our lives are fairly l...
by investingdad
Mon Aug 20, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3286
Views: 993358

Re: What Book Are You Currently Reading? Part VI

For Sci-fi / dystopian fans, I recommend the "Wool" trilogy, by Hugh Howey. The sequel is "Shift", followed by "Dust". They're also referred to as the "Silo" series. I'm in the middle of " Shift". The writing is well done and the characters and dialogue are believable. The pacing is also pretty tigh...
by investingdad
Mon Aug 20, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3286
Views: 993358

Re: What Book Are You Currently Reading? Part VI

"The President is Missing" by James Patterson and Bill Clinton. A page-turner thriller. Probably the best of the James Patterson collaborations. Intelligent, fun read. I read this recently and enjoyed the plot and story. There were segments that felt like I was being preached to by Clinton, which I...
by investingdad
Fri Aug 10, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Help negotiating!
Replies: 15
Views: 1271

Re: Help negotiating!

So I'm not sure I would have mentioned the commute in your reply. While it's a big factor for me, I recognize that it's not the problem of the employer. Two equal candidates...one won't get more for the longer drive. Instead, I'd simply negotiate knowing I'd need to factor in the commute cost. Of co...
by investingdad
Fri Aug 10, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7683

Re: Rude response from boss re: market adjustment

I had a sort of similar experience back in my mid 20s, first full time engineering job. After being told by my manager that I should expect a larger pay raise "next year" I was fine waiting. Next year rolls around and no review...until 3 months after it was supposed to happen. So we finally sit down...
by investingdad
Fri Aug 10, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Help negotiating!
Replies: 15
Views: 1271

Re: Help negotiating!

First, let's just run the numbers. At 105k, you make $50.48 per hour. That's what your time is worth. The new commute adds 1 hour per day. That means, based on your hourly wage, driving another hour per day (which is part of the work package), costs you the equivalent of $13,125 of your own time. Th...
by investingdad
Tue Aug 07, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 55
Views: 4879

Re: Is solar power for your home a worthwhile investment?

What about the benefit of having power in the event of a power failure? That requires a pricier system I believe?
by investingdad
Mon Aug 06, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7306

Re: "Skin in the game"

I guess I had no skin in the game since my parents paid for my college costs. I attended State U. My motivation, however, came from an awful summer job before freshman year working in the kitchen at a local nursing home. I was a dishwasher. But I was low man on the pole so I got the job of hand wash...
by investingdad
Wed Aug 01, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: 15 Year look back on my Financial Forecast spreadsheet
Replies: 2
Views: 614

15 Year look back on my Financial Forecast spreadsheet

I pulled up an old financial forecast spreadsheet I created when I was 30. My wife and I were married for about a year or so at that point, no kids yet. The reasoning was sound and based on the best info I had at the time. I was looking for a 7.5% rate of return on my portfolio. Our net worth stood ...
by investingdad
Wed Aug 01, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Why is new strip of lawn different color?
Replies: 18
Views: 1907

Re: Why is new strip of lawn different color?

The simplest explanation is the grass is a different variety.

The next is the new strip has different soil or water conditions.

After a few seasons, it should blend... unless it's a water difference.
by investingdad
Tue Jul 31, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2684

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

We installed "Scrapwood" tile in our master bathroom. Like the name implies, it looks like reclaimed wood. It wasn't cheap. It's a darker color and the grout is dark grey. It reminds me of a weathered boardwalk. Which matches the paint color and look of the room. We installed under tile heating sinc...
by investingdad
Mon Jul 30, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Boy's first job
Replies: 38
Views: 3757

Re: Boy's first job

Does your son want to contribute to a 401k? I, for one, think he should be allowed to keep all of his money for gas, girls, college and whatever else and not be coerced into saving it in a retirement fund. Lots and lots of time for that in the future. This is a valid point. If he's 15 or 16, having...
by investingdad
Sun Jul 29, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Boy's first job
Replies: 38
Views: 3757

Re: Boy's first job

My first job in 1989 was working in the kitchen at Burger King making 3.75 an hour. That's about $7.80 now so it sounds like minimum wage jobs pay a bit more. I came home smelling like fry grease every day. I did eat a lot of BK food at no cost, however. That's where I discovered the combination of ...
by investingdad
Fri Jul 27, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 1982

Re: DisneyWorld-Needing specific advice

Port Orleans Riverside is actually pretty nice on the low end. It's a motel. You're at the mercy of the buses and you lose time with them. The monorail resorts, Boardwalk, Beach Club, and Yacht Club are on the opposite end of price but allow quick access to the MK or Epcot. They're resort style hote...
by investingdad
Fri Jul 27, 2018 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Need more excitement
Replies: 48
Views: 4535

Re: Need more excitement

When I get bored with my investment strategy I reformat my spreadsheet. Very exciting. I buy about one lottery ticket every year or so when people start talking about the Megamillions or whatever being half a billion dollars. However, I DO enjoy blackjack!! I enjoy it as an entertainment expense, n...
by investingdad
Fri Jul 27, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9950

Re: Toughest Purchase of my Life. Engagement Ring time

Well, after much agonizing over the past few months, I went with my gut and called up BlueNile tonight and made the purchase. I'm glad I went through with it and didn't back out. My girl is very deserving and worth the purchase. I honestly feel I went with my absolute max with this purchase I'm gla...
by investingdad
Fri Jul 27, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Need more excitement
Replies: 48
Views: 4535

Re: Need more excitement

On topic... I only do the casino thing when on a cruise. And I can see how people get sucked in. I'll play a few hands of blackjack but I walk away once my $40 disappears. It has nothing to do with winning money, it's the adrenaline that goes with it. If I'm up $100 after a few hands, my excitement ...
by investingdad
Fri Jul 27, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Need more excitement
Replies: 48
Views: 4535

Re: Need more excitement

Why does "excitement" need to be pursued in terms of portfolio dollars? Why can't the portfolio be left alone and "excitement" be experienced through lifestyle changes, like daily running, marathon training, sports and athletics for personal fitness, or go take a martial arts class and earn a "Blac...
by investingdad
Fri Jul 27, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: The stock that got away
Replies: 40
Views: 3036

Re: The stock that got away

I'm glad I got off the stock train in my late 20s. Now we only own company matches and stock awards in company stock. All else is mutual funds. No massive wins, no massive loses. Just market. I saw the article about the 24 year old that lost 40% of his portfolio on the FB drop yesterday. Good luck t...
by investingdad
Thu Jul 26, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Moral dilemma - What would you do?
Replies: 54
Views: 5779

Re: Moral dilemma - What would you do?

A Mega Corp should be able to evaluate many different proposals for what they are. I work on the development side of big projects and am responsible for putting a strategy in front of the customer before a deal is inked. We rarely offer what the customer is asking for initially, choosing instead to ...
by investingdad
Thu Jul 26, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Moral dilemma - What would you do?
Replies: 54
Views: 5779

Re: Moral dilemma - What would you do?

I think more context is needed.

There is unethical.

And then there's trying to upsell.

Up selling can be done in a completely honest and ethical way.

Lying, manipulating, etc... count me out. I work for a Mega Corp and the question we ask is... does it pass the red face test?
by investingdad
Wed Jul 25, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: How much car can I buy?
Replies: 46
Views: 2204

Re: How much car can I buy?

Really? The guy is 40 with $3+ million dollars in assets and you’re all suggesting he buys a 5-7 year old used Mercedes that will break almost instantly or a used Subaru Legacy? OP, my first question is, how did you acquire $3+ million? I’m assuming either inheritence or some sort of stock windfall...