Search found 28 matches

by caffeinefree
Mon May 14, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5737

Re: Buying land in central FL

alligators? Absolutely! My family went on an airboat tour and the striking thing to this New Englander was the lack of houses around the lake. We then saw a bunch of alligators in the middle of the lake, in the reeds, on the shore, on one of the lawns of one of the few houses. Ain't no joke. The id...
by caffeinefree
Fri May 04, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9236

Re: Bucket List Adventures/Activities

For me they are mostly travel related. I've visited 47 countries in my 32 years on earth - at this rate, I won't get to see them all before I die, but I'm sure trying hard to. Right now my travel related bucket list looks something like: - Visit as many countries as possible - top of my list right n...
by caffeinefree
Thu Apr 26, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 2632

Re: Help! Nephew is asking for college advice (undergrad choices)

For a more intimate experience and a great program also consider Rose Hulman. It won't be too far off that price and typically allocates some tuition assistance regardless of parental income. If accepted you will be looked after there. Nobody at a big school cares about you. You know the student. I...
by caffeinefree
Thu Mar 29, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 10199

Re: What is the endgame for Millennials?

As a millenial (28 years old), with many millenial friends and acquaintances, there is no end game. Retirement couldn’t be further off the radar for 90-95% of my generation. There are some factors, which the article details, that certainly make it hard for many millenials to save (student loans, us...
by caffeinefree
Mon Mar 26, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 185
Views: 12842

Re: Two- Factor Authentication at Vanguard - Update

I turned on the two-factor identification for Vanguard ...and then turned it back off a few weeks later, after getting frustrated by the fact that it required me to do the text message identification every time I logged into Mint on my phone. At some point I may turn it back on, but I wish they woul...
by caffeinefree
Fri Mar 23, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27218

Re: Anyone Deleting Facebook?

Allow me to provide a millenial perspective, albeit one from a grouchy old soul of one: almost everyone I communicate with regularly is on Facebook, and Facebook Messenger has incredible network effects for organizing things in my larger group of friends and my hobby community. To my mind, the only...
by caffeinefree
Fri Mar 23, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6169

Re: Amazon Prime Going Sideways/Weird Shipment Problems

The delivery issue is going to be a material one for me, unless I opt to have everything sent to my job, but then I have to shlep those home. Not ideal. I wonder if there is an option to only have packages delivered by USPS, not private companies? I followed another poster's suggestion and emailed ...
by caffeinefree
Wed Mar 21, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College vs Starting Income
Replies: 94
Views: 4819

Re: Cost of College vs Starting Income

I graduated from engineering school around '98. I recall that the tuition alone was something like 18k the first year rising to 20-something senior year. So call it 80k for 4 years, tuition only. Full ride with books, room, board etc was probably 100-120. My first job paid 45k. So 50 years ago your...
by caffeinefree
Tue Mar 20, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6169

Re: Amazon Prime Going Sideways/Weird Shipment Problems

As others have mentioned, Amazon is currently experimenting with their "Prime Delivery" service. This is their own Uber-like delivery service. My city was one of the first ones to have it rolled out, because we have a large Amazon warehouse hub nearby. In my experience, it has been TERRIBLE. My UPS ...
by caffeinefree
Tue Mar 20, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: If you thought you were going to get laid off wwyd? [What would you do]
Replies: 32
Views: 3104

Re: If you thought you were going to get laid off wwyd?

In January 2016, I was unexpectedly laid off, but was given a 3-month "grace period" to look for a new job while I still received my paycheck (and before my 3 months of severance kicked in). Here's what I did: 1) Didn't panic. 2) E-mailed myself any personal documents that were on my work computer, ...
by caffeinefree
Mon Mar 12, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 6117

Re: Men's Cologne

I think part of the trick is how you apply: one spray to the bare chest so it's under your clothing and a bit more contained. That is still the wrong application method. You should never apply perfume/cologne directly to your skin. Instead, apply ONE spritz to the air at chest height, and then walk...
by caffeinefree
Thu Mar 01, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9041

Re: Physical cash

I would never use cash at the supermarket. A lady in front of me did yesterday. $20.16. She counted out 20 ones and 16 pennies 3 times and still got it wrong. 5 minutes later the cashier counts it out and hands her back a dollar. Wile my order is being rung in, I stick my card in the reader. The pr...
by caffeinefree
Thu Mar 01, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9041

Re: Physical cash

Being of the millennial generation, I hardly ever carry cash. When I do, it's always less than $40, and usually only when I know I'm going to want/need it - typically for festivals where I know vendors won't be accepting cards, although these are becoming few and far between as more and more vendors...
by caffeinefree
Thu Mar 01, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: House vs Condo vs Townhouse
Replies: 36
Views: 3140

Re: HOUSE vs CONDO vs TOWNHOUSE

As totallystudly mentioned, HOA fees/rules could be one negative to a condo or townhouse. Another could be neighbors. Remember that most condos and townhouses, you will be sharing walls with your neighbors. In that way, it's more like apartment living, but if you have a bad neighbor (loud music/TV, ...
by caffeinefree
Wed Feb 28, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: What age is too old to stop hostelling?
Replies: 54
Views: 5495

Re: What age is too old to stop hostelling?

My mom (61) and stepdad (70?) routinely stay in hostels when they're traveling. They usually splurge for a "private room," which is still cheaper than a hotel, but keeps them from having to share with drunk teenagers. At 32, I personally end up staying in a mix of hostels, hotels, and AirBnBs, depen...
by caffeinefree
Wed Feb 28, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 9151

Re: 30-Day Minimalist Challenge

I don't have a ton of tools, but I've done a bit of updating/remodeling and every time I had to buy something I went with quality. I hope to pass them down to my son Not to say that this is the case here, but I think a lot of people use that excuse to hold onto items that they should just let go. I...
by caffeinefree
Wed Feb 28, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 9151

Re: 30-Day Minimalist Challenge

I've been working toward a more minimalist lifestyle ever since I sold my 3-bedroom home and moved back into a 1-bedroom apartment 3 years ago. I purged a TON of stuff during that move (literally about 10 carloads in my little Ford Focus, not counting furniture), either donated or thrown out. I just...
by caffeinefree
Fri Feb 23, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Help! Buying my first sofa/couch
Replies: 27
Views: 1927

Re: Help! Buying my first sofa/couch

Do you have an IKEA anywhere near you? As much as folks like to complain about the quality of IKEA furniture, as a longtime renter I've had nothing but good experiences with it. In particular, the Ektorp sectional that I bought 7 years ago has held up amazingly well. The biggest positives, in my opi...
by caffeinefree
Thu Sep 19, 2013 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Disability Insurance
Replies: 5
Views: 956

Re: Question About Long Term Disability Insurance

You don't say what your premium is and of course that'll tie to your benefit amount which probably connects to your income... but I'll share this. I pay a few hundred bucks a year (for years I think it was around $200 or so) for a policy from my industry group, the AICPA, that paid/pays $3000 or $4...
by caffeinefree
Thu Sep 19, 2013 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Question About Long Term Disability Insurance
Replies: 5
Views: 956

Question About Long Term Disability Insurance

If you don't want to read through everything I've written, my question really boils down to whether anyone knows if Northwestern Mutual is a reputable provider of long term disability insurance (LTDI). The full story is that I met with a financial adviser from Northwestern Mutual last month to see ...
by caffeinefree
Sun Mar 24, 2013 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 4024

Re: Am I on track for early retirement?

I actually don't think we disagree at all. Your number is your number. And reguardless of the differences in our respective numbers, the point remains the same. Enjoy what you do, while you work towards making progress on your number. The information you had shared up until the last post indicated ...
by caffeinefree
Sun Mar 24, 2013 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 4024

Re: Am I on track for early retirement?

A teaching moment! I am very interested in why you think a realistic view of finances equates to any position on life? My grandfather always said "do what you love and you'll never work a day in your life." I don't know if I will ever retire. I enjoy my job that much. I also dont know if my perspec...
by caffeinefree
Sun Mar 24, 2013 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 4024

Re: Am I on track for early retirement?

Even with a 50/50 portfolio you are looking at a standard deviation of 9-10%. So the annualized picture gets even more dubious as you account for the order of your returns. You lose a lot of social security benefits. You will have to pay a lot for health care from 45 till medicare age. Frankly, I t...
by caffeinefree
Sat Mar 23, 2013 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 4024

Re: Am I on track for early retirement?

I just want to clarify a couple of terms and make sure you understand the "penalty-free disbursement" part. After separating from a company, you can "rollover" a traditional 401(k) to a traditional IRA; depending on the 401(k) plan, you might be able to rollover just a portion, or all. When you do ...
by caffeinefree
Sat Mar 23, 2013 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 4024

Re: Am I on track for early retirement?

You can check out the post above to see how much you might have in 18 years. It is probably not enough even under optimistic real return scenarios. You should be thinking 2% withdrawal as a margin of safety. Check out http://www.firecalc.com/ 2%, really? Pretty much any literature I've read on the ...
by caffeinefree
Sat Mar 23, 2013 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 4024

Re: Am I on track for early retirement?

What I'm trying to say is that supposing you make only Traditional 401(k) contributions during your working life, you'll eventually roll all of this over to a Traditional IRA. Once you transition into a low/no-income phase, you can then convert a portion of your Traditional IRA balance each year fr...
by caffeinefree
Sat Mar 23, 2013 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 4024

Re: Am I on track for early retirement?

How much do you spend? With frivolous spending on vacations and such, I'm living off about $35k/year right now. Do you plan to have kids? That is up in the air right now. My SO wants kids, so I imagine we'll end up having at least one eventually, but that would be several years down the line. We ha...
by caffeinefree
Sat Mar 23, 2013 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track for early retirement?
Replies: 25
Views: 4024

Am I on track for early retirement?

I am trying to get a handle on my retirement investment. I would like to retire or semi-retire early (~45 years old), and I want to do a portfolio check and make sure that I am on track to meet my goals. Emergency Funds: Six months of expenses Debt: $163k mortgage @ 4.0% (29 years left) Tax Filing S...