Search found 1563 matches

by investingdad
Sat Jun 15, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 69
Views: 4915

Re: Article on high deductible health plans - and the math

For us, the HDHP with HSA works very well. We regret not utilizing the HSA as a tax sheltered investment vehicle sooner, but we have been for the last 7 or 8 years now. It's invested in two conservative index funds. That said, my wife and I are both well compensated and fiscally disciplined. I can s...
by investingdad
Thu Jun 13, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10528

Re: Retired at 35 and have no friends :(

retiredjg wrote:
Thu Jun 13, 2019 11:49 am
Goodness gracious! The first post was only about 12 hours ago!

:oops:
Well it's not like he's at work.

Hahaha. Sorry.
by investingdad
Thu Jun 13, 2019 5:22 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10528

Re: Retired at 35 and have no friends :(

Shocking as it is, work provides purpose.

Maybe get a job?

Are you married?
by investingdad
Tue Jun 11, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3299

Re: Sports classes in Universities

I went to Big 10 U in the 90s and once you hit 18 credits, additional credits were no cost. I loaded up on P.E. classes when I could. I took bowling, archery, ice skating, badminton, and racquetball through 4 years of engineering school. Got pretty good at racquetball pretty quickly. Loved doing tho...
by investingdad
Sat Jun 08, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: How did you adjust to your kids moving out?
Replies: 11
Views: 1031

How did you adjust to your kids moving out?

We are still a few years away from the kids moving out, daughter starts high school in the fall and son goes to 7th grade. But we were at her 8th grade recognition yesterday (she was among a handful that recieved the highest academic award for carrying straight As all three years taking Honors cours...
by investingdad
Wed Jun 05, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6405

Re: What do business pros wear on redeye Business Class flights

I'm just a peon. The only time I've made a point to dress formally on a flight was on the corporate jet when an executive was along. And on the return flight I took the cue and switched to jeans, button down untucked, and sport jacket which came off as soon as we got on the jet. I've flown with my m...
by investingdad
Tue Jun 04, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 45
Views: 3530

Re: Being given charity that I don't need

Another +1 for a gratuity. There's a strip mall Chinese restaurant near me that has remarkably good sushi. I often order the same combination of sushi along with whatever my family is getting. I've noticed over the years the size of the sushi I get has gotten steadily larger. When I eat in at one of...
by investingdad
Tue Jun 04, 2019 6:02 am
Forum: Personal Consumer Issues
Topic: New refrigerator noise is driving us nuts
Replies: 32
Views: 2512

Re: New refrigerator noise is driving us nuts

Our Samsung French door makes noise, but not unacceptably so.

I'd return it or sell it. Life is too short to deal with noise (I hate noise).
by investingdad
Mon Jun 03, 2019 5:56 am
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2535

Re: Golf interest rekindled after decades - My son created a monster! Now what?

Ah yes bcc 1234 .... right on in terms of speed of play… our group has an open invitation for anyone. We have about 15 regulars ranging in handicaps from +2 up to over 20… Regardless of handicap, no one enjoys playing with a golfer who A. Plays slow (aka the human rain delay) B. Goes dark and whiny...
by investingdad
Sat Jun 01, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2535

Re: Golf interest rekindled after decades - My son created a monster! Now what?

I started golfing at 23 when my former college roommate took me out. It took a few times but I was hooked. From 23 to 29 I was playing 3 rounds a week. Got married and played maybe a round a week. My wife joined me occasionally. Daughter showed up at when I was 32 and only got out a handful of times...
by investingdad
Sat Jun 01, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7111

Re: $3k for teen club soccer

I think I'm out of touch. I remember kicking the soccer ball around with siblings and friends and having a blast. We were too poor to even dream about paying for sports. School teams was the only other option possible. All of this money spent, and we still don't have a competitive soccer team in th...
by investingdad
Thu May 30, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7111

Re: $3k for teen club soccer

I think I'm out of touch. I remember kicking the soccer ball around with siblings and friends and having a blast. We were too poor to even dream about paying for sports. School teams was the only other option possible. All of this money spent, and we still don't have a competitive soccer team in th...
by investingdad
Thu May 30, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7111

Re: $3k for teen club soccer

I think I'm out of touch. I remember kicking the soccer ball around with siblings and friends and having a blast. We were too poor to even dream about paying for sports. School teams was the only other option possible. All of this money spent, and we still don't have a competitive soccer team in th...
by investingdad
Thu May 30, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7111

Re: $3k for teen club soccer

Funny you mention the camps. My son and one of his friends on the team both do Nike soccer camps in the summer. My wife and I agreed to it because it gets him out of the house over the summer, and he loved it last two summers. I never considered it as a place to "be noticed", just something fun to do.
by investingdad
Thu May 30, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7111

Re: $3k for teen club soccer

My son joined a travel team as a U8, so second grade. He's finishing up 6th grade this month and he's part of a group of seven boys that have been on the team from the start. The coaches are two dads with sons on the team. Cost is a few hundred dollars for Fall and Spring seasons. None of them are s...
by investingdad
Wed May 29, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult... short audio update
Replies: 215
Views: 33766

Re: Learning Violin as an adult...1000 hours in...

Not much new in my musical journey other than plenty of practice, lessons, and etudes. I did record myself playing this short piece as I thought it sounded nice and I enjoyed the change in speed. https://drive.google.com/file/d/1rdcnvAFkzu6Z2ptxkwigl0h7VbtjsXL5/view?usp=drivesdk Sounds good, as if ...
by investingdad
Tue May 28, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Used Miata as a daily driver, terrible idea?
Replies: 44
Views: 2306

Re: Used Miata as a daily driver, terrible idea?

I've got an 04 Mazdaspeed Miata I bought new. The convertible aspect is fine, but not the main point of the car. It's primarily lightweight and handles really well. It's also harsh on rough roads. Sports car but not high powered, you can make it quite fast with about $3500 of Flyin Miata stuff, thou...
by investingdad
Tue May 28, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11029

Re: Paying Kids For Good Grades -- do you do it?

No, but...

My daughter is wrapping up middle school this month. In 12 marking periods over three years she got a single B and the rest A's.

She asked for a $150 purse as a reward for her hard work, I think she earned it.
by investingdad
Tue May 28, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult... short audio update
Replies: 215
Views: 33766

Re: Learning Violin as an adult...1000 hours in...

Not much new in my musical journey other than plenty of practice, lessons, and etudes.


I did record myself playing this short piece as I thought it sounded nice and I enjoyed the change in speed.

https://drive.google.com/file/d/1rdcnvA ... p=drivesdk
by investingdad
Mon May 27, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: 29 year old engineer introduction and seeking advice
Replies: 23
Views: 2778

Re: 29 year old engineer introduction and seeking advice

Way, way underpaid. You've been working 3 years? I'm a chem E (age 45) and was making 54k at age 27, that was back in 2001. We are hiring new grad Mech Es at my mega Corp for more than you are being paid right out of college. Small companies are the worst, often using "loyalty" and "like a family" t...
by investingdad
Sat May 25, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Windows for Noise Reduction
Replies: 36
Views: 2571

Re: Windows for Noise Reduction

Depending on how much noise and what frequency, you may find the problem isn't the windows but the walls. New construction uses lightweight sheeting which isn't helpful for noise abatement.
by investingdad
Wed May 22, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 4966

Re: I evaluated taking SS at age 62 versus age 70

goblue100 wrote:
Wed May 22, 2019 9:02 am
investingdad wrote:
Wed May 22, 2019 8:31 am

Some starting data:
- I'm 45
- will stop working at 54
i'm all for long term planning, but I suggest looking at this in about 15 years.
Well...I actually started thinking about this in my 20s which is what I credit to being where we are now.
by investingdad
Wed May 22, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 4966

Re: I evaluated taking SS at age 62 versus age 70

jeffyscott wrote:
Wed May 22, 2019 8:55 am
Are you able to evaluate having the low earner take it at 62 and the high earner at 70?
My wife and I have very similar earnings over the years, the delta in benefits is shown to be trivial.
by investingdad
Wed May 22, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 4966

Re: I evaluated taking SS at age 62 versus age 70

FlyAF wrote:
Wed May 22, 2019 8:34 am
With 78 million dollars, why do you give a rip?
We don't have anything close to 78 million and don't expect to, it's the high side outlier on FIREcalc.
by investingdad
Wed May 22, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 64
Views: 5786

Re: Financial Movies and Shows

I really liked Downton Abbey, but I'm unclear on the financial tie in.

Trading Places and Wall Street are classics and It's A Wonderful Life is overlooked for the bank run that sets everything in motion for George Bailey.
by investingdad
Wed May 22, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 4966

I evaluated taking SS at age 62 versus age 70

I downloaded the detailed social security calculator and used my earning history to get a proper estimate of retirement benefits and plugged results into FIREcalc. My goal was to evaluate taking benefits at 62 versus 70 and how that changed the results. Some starting data: - I'm 45 - will stop worki...
by investingdad
Tue May 21, 2019 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17904

Re: Very High Net Worth, elite private or “good” public

I always look at it this way. What kind of school did I attend? Rural, public school. How were the academics? Ok, nothing special. How was the environment? Fine, what you'd expect for a rural school. Did it prep me for college? Yes, attended B10 for engineering. What about my wife? Same story. How a...
by investingdad
Tue May 21, 2019 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11294

Re: Should I encourage my kids to work in high school/college?

I worked summer jobs in high school at the local burger king.

I enjoyed it.

I worked the crummiest job summer before college, and that motivated me to study in college so I would not wind up there as an adult.
by investingdad
Fri May 17, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5479

Re: Guidance on choosing between UMich and Brown

You have to search within yourself to see if you are open to humiliation at the hands of The Ohio State University every November. Good point but at least at both Brown and UM one won't be distracted by following football. You both are going to have to use shorter sentences if you want the banter t...
by investingdad
Fri May 17, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5479

Re: Guidance on choosing between UMich and Brown

I'm a PSU grad. While I will acknowledge that UM is very strong academically and probably carries a bigger prestige factor than State U, there is no way it hangs with Brown. Sorry, but no.

If that's important to the OP, it's gotta be Brown.
by investingdad
Fri May 17, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21161

Re: Selling home- Demanding Buyer (Repairs)

Quick background. Home is currently under contract. Due to competing offers, price went above ask price by $25k. Under contract at $475k. Buyer came in with a strong offer- cash, no appraisal. No appraisal was very good for us because I was concerned that appraisal might not hit $475k even though t...
by investingdad
Fri May 17, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21161

Re: Selling home- Demanding Buyer (Repairs)

Thank you folks. Do you think adding this clause would be a sensible thing for me to do? 'Given the delays due to weather and environmental health being short staffed on inspectors, Seller agrees to credit buyer the amount of funds needed to pass inspection which will be determined by a written est...
by investingdad
Thu May 16, 2019 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 315
Views: 21161

Re: Selling home- Demanding Buyer (Repairs)

If you're going to offer something for the septic, I'd offer cash. I wouldn't do the repair myself. Let the buyer take over responsibility. If it goes poorly or it needs more work, it's on them. You just pull out the appraisal and reports and advise you're not an expert and made a cash offer based o...
by investingdad
Wed May 15, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 6556

Re: Do you reward yourself for achieving a financial goal?

Hi, Like the title says, did you ever buy luxury for as a reward? Like a nice rolex when reaching 250000 net worth or a new BMW at 500000 or something like that? Seriously? You're going to drop 10% of your net at 500k to buy a car? It's like the one young manager at our mega Corp that got promoted ...
by investingdad
Wed May 15, 2019 8:03 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 346
Views: 169181

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

We were mid 30s during this whole mess. Both gainfully employed. We continued to max 401k accounts and I made no changes to my portfolio. I admit I was not maxing my IRAs out of concern. Our decision to buy less house than we could afford in 2002 was suddenly looking pretty smart. Otherwise, we just...
by investingdad
Mon May 13, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Help me figure out cotton shirt mystery
Replies: 21
Views: 2558

Re: Help me figure out cotton shirt mystery

^^ A change in the yarn spinning technology would potentially have the largest impact on the feel of the fabric, although I would have expected that to lead to a more raspy feel rather than what you describe as waxy. A hand-builder added after bleaching could also alter the feel, but I would have e...
by investingdad
Mon May 13, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Help me figure out cotton shirt mystery
Replies: 21
Views: 2558

Re: Help me figure out cotton shirt mystery

I'm particular about my cotton t shirts as well. I've noticed in recent years that some 100% cotton shirts almost feel like a cotton/synthetic blend. They feel very soft and supple, and thin, but they don't seem to breath very well. And if I sleep in them, my skin feels sweaty. Other cotton t shirts...
by investingdad
Sat May 11, 2019 6:52 am
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 404
Views: 101372

Re: If your net worth is over $3 million, how did you do it?

We have a shot at hitting 3 million by the end of 2019. I need about a 3.5% market gain plus our normal contributions to break it. We'll be 46. - engineering and business degrees for wife and I - good paying jobs in our field, but not crazy high, we broke 100k each around age 40 - saved about 25% of...
by investingdad
Wed May 08, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8612

Re: Anyone else looking forward to Game of Thrones?

I got to be honest, I'm tired of going to major news websites to be greeted with articles on the home page about the show as if it were news.
by investingdad
Tue May 07, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4152

Re: Bathroom Remodel - Looking for Advice

Our bathroom floor also used the Ditra solution.

If you're in the northeast it's no gimmick.

The garage below can be below freezing in winter. 40F floor versus 70F floor? You've no idea.
by investingdad
Mon May 06, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4152

Re: Bathroom Remodel - Looking for Advice

We did a frameless glass shower door. Not cheap, but worth it. It feels solid and not flimsy like the framed doors that you have to pull hard to fully close. Consider radiant, electric heat under the floor if your bathroom tends to get cold. Ours is over the garage and on the north side of the house...
by investingdad
Fri May 03, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 975
Views: 260197

Re: Share your networth progression

In thousands 2006 $425 2007 $500 2008 $345 2009 $592 2010 $796 2011 $918 2012 $1,129 2013 $1,435 2014 $1,622 2015 $1,811 2016 $2,123 2017 $2,636 2018 $2,689 (peaked at $2.9M+ through the year, Dec was bad) 2019 $3,168 YTD Updated from 2015. Age 45. We're the same age and tracking almost EXACTLY the...
by investingdad
Thu May 02, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 5762

Re: Giving two week's notice before stock options vest

Give 2 weeks notice day after they vest, if they walk you out, perfect.

Take all the vacation you have immediately after giving notice.

Start new job on time.
by investingdad
Thu May 02, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 975
Views: 260197

Re: Share your net worth progression

Wife and I are currently age 33 and have worked our way up to $160k/year gross. Found this forum through Reddit in 2017 and fired my "advisor" the same year. He had returned 1.2% after fees from 2014-2017. Retirement assets: 2014 - $60k 2015 - $50k 2016 - $110k 2017 - $140k 2018 - $190k 2019 - $205...
by investingdad
Thu May 02, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 975
Views: 260197

Re: Share your networth progression

In thousands 2006 $425 2007 $500 2008 $345 2009 $592 2010 $796 2011 $918 2012 $1,129 2013 $1,435 2014 $1,622 2015 $1,811 2016 $2,123 2017 $2,636 2018 $2,689 (peaked at $2.9M+ through the year, Dec was bad) 2019 $3,168 YTD Updated from 2015. Age 45. We're the same age and tracking almost EXACTLY the...
by investingdad
Wed May 01, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Alka Seltzer Tablets but without medication?
Replies: 12
Views: 1350

Re: Alka Seltzer Tablets but without medication?

123 wrote:
Tue Apr 30, 2019 9:04 pm
In olden times (1960's ?)there was a candy called "Fizzies" that I think did what you want. You dropped them in a glass of water and they flavored it and made it fizz.
Thinking of Zotz by any chance? I grew up in the 80s and loved those. They used sodium bicarbonate.
by investingdad
Sat Apr 27, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 17035

Re: Whats the Point of Climbing the Corporate Ladder?

Whats the point of climbing the corporate ladder if I'm fine with my current salary and position and can hit all my financial goals without future promotions raises etc? I am at a point where boss says I can be promoted but must be willing to work more hours be available at all times of day etc. Ba...
by investingdad
Sat Apr 27, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 17035

Re: Whats the Point of Climbing the Corporate Ladder?

Sharks gotta swim. In terms of "time" or "busyness" a lot of what we hear is made up. It's more important to appear busy than to actually be busy. There was an HBR study awhile back on how employees at a consulting firm represent their hours to make themselves appear more busy vs. hours actually wo...
by investingdad
Sat Apr 27, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Any affordable place for Dental Implants in the Northwest USA ?
Replies: 23
Views: 1789

Re: Any affordable place for Dental Implants in the Northwest USA ?

For what it's worth, I am a dentist in the southwest and those fees are almost identical to mine. And if my bone graft and implant come off without a hitch, eliminating two failed root canals and one bad abscess...the fees I will have paid to a group of your professional colleagues will have been 1...