Search found 2235 matches

by flyingaway
Mon Jun 10, 2019 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3856

Re: Checks without my account number

Buy money orders.
by flyingaway
Sun Jun 09, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6962

Re: Do you drive old cars for long distance travels?

If your car is at least 10 years old and with 100k miles, do you still use it for long distance travels (more than 5 hours of driving)? 5 hours isn't very long, perhaps 400 miles. How much maintenance per 400 miles did the car need over the last few years? If the answer is "not much", I don't see a...
by flyingaway
Sun Jun 09, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1710

Re: How to donate to a non profit organization anonymously?

Leave a bag of cash at the door of the organization.
by flyingaway
Wed Jun 05, 2019 2:51 am
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6962

Re: Do you drive old cars for long distance travels?

<r><QUOTE author="msk" post_id="4578240" time="1559713205" user_id="111975"><s>[quote=msk post_id=4578240 time=1559713205 user_id=111975]</s> <QUOTE author="flyingaway" post_id="4575290" time="1559579929" user_id="50598"><s>[quote=flyingaway post_id=4575290 time=1559579929 user_id=50598]</s> If your...
by flyingaway
Mon Jun 03, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6962

Do you drive old cars for long distance travels?

If your car is at least 10 years old and with 100k miles, do you still use it for long distance travels (more than 5 hours of driving)?
by flyingaway
Sat Jun 01, 2019 10:02 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9774

Re: How did you all do in the month of May, 2019

Finally got my son off my payroll and on someone else's payroll. Hopefully that is a long-term positive return stream from my 22 year investment.
by flyingaway
Fri May 31, 2019 7:52 am
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 60
Views: 4276

Re: Does one need a bank account anymore?

If no fee, why not to have another one. But my current bank needs direct deposit to waive fees. I don't like it.
by flyingaway
Thu May 30, 2019 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with depositing money order to Fidelity checking account
Replies: 5
Views: 834

Problem with depositing money order to Fidelity checking account

I tried to deposit a post office money order to my Fidelity checking account CMA. I used the phone app. I inputed the correct number, took pictures of both sides of the money order. After submitting, it kept asking me to check the correct amount to be deposited. I repeated several times and gave up....
by flyingaway
Wed May 29, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14895

Re: Fun paid jobs after FIRE

Bloggers have been selling the FIRE things to entice people to visit their websites to make money. I read many of them. I can see that some of them are WORKING very hard to do just that. (I can coach you for FIRE. Please subscribe. Buy my books. Use this finance product to manage your money, etc.) I...
by flyingaway
Wed May 29, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4675

Re: Teaching jobs

I appreciate all the great advice and have communicated it to my wife. There were tons of questions asked, so I will do my best to answer: She is certified in middle school, no coaching experience, and had a great relationship with the teacher and district where she did her internship. My wife is n...
by flyingaway
Wed May 29, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14895

Re: Fun paid jobs after FIRE

well not "fun" per se....but I was walking into my truck mechanic this morning. I look over at the employee parking and don't recognize one car there. I ask the mechanic by the door. Wow...who's black BMW is that there. He sez...the new clean up/parts runner guy hmmm...as Jack Benny said..I'm think...
by flyingaway
Tue May 28, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 64075

Re: Name something you had to have and now you regret purchasing it?

Starfish wrote:
Tue May 28, 2019 6:54 pm
I also use a large bicycle pump, 17$ from Kmart, to fill my car's tires.
I bought an airpump from Walmart for less than $10. My son lost his bicycle, so I use the airpump for my car tires exclusively.
by flyingaway
Tue May 28, 2019 7:47 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11980

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

I don't really have a problem with anyone's allocation, but most posters here seem to have a lot more money than I do, and a little bit older than I am, it seems to suggest that I need to work properly 10 more years (to retire at 65 or later). At that time, I probably could say that I have 50 times ...
by flyingaway
Tue May 28, 2019 3:50 pm
Forum: Investing - Theory, News & General
Topic: Do you have an allocation more conservative than 50/50 ?? What is it? Why? How Bogleheads are getting it done.
Replies: 135
Views: 11980

Re: Do you have an allocation more conservative than 50/50 ?? What is it? Why?

Gradually moved from 50/50 to 30/70. Main reason: believe that we’ve more than won the game ( portfolio currently is 1,325x annual expenses ). No reason to keep running up the scorecard. It’s nice to be able to sleep well at night. Ages 64/64, equity allocation is Vanguard Total Stock and bond allo...
by flyingaway
Mon May 27, 2019 8:23 am
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2353

Re: Retiredjg at 36,000 posts!

About a year ago I posted my inaugural entry, asking for deliverance from a complicated 1.25% AUM advisor built portfolio. You don't really know whose advice to take from the forum, because you don't REALLY know who anybody is or what they really know. I just sensed retiredJG knew, and took her adv...
by flyingaway
Sun May 26, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 185
Views: 29685

Re: Retire at 55, what's the magic number

I want to bring this thread back to life as it is one of the better threads that I have read here on BH. The real life examples have been great to read. I am approaching 55 and have been vigorously reading every tidbit I can on determining whether to retire at 55. I'm not prepared to post my own "C...
by flyingaway
Sat May 25, 2019 5:01 pm
Forum: Personal Investments
Topic: How to calculate exactly how much money you'll have by retirement?
Replies: 75
Views: 7773

Re: How to calculate exactly how much money you'll have by retirement?

I have been using 5% average annual return and 3% inflation for a 70/30 , portfolio. So it is only 2% real annual return.
I would like to be on the conservative side.
by flyingaway
Sat May 25, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Value of Airlines Miles for Magazine Subscriptions
Replies: 8
Views: 764

Re: Value of Airlines Miles for Magazine Subscriptions

DTalos wrote:
Sat May 25, 2019 4:55 pm
Is there a rule of thumb or guide on how to value airline miles? For example, if it takes 900 miles for a subscription to a magazine, what does that translate to in dollars?
I only do that when the miles are to be expired.
by flyingaway
Sat May 25, 2019 6:52 am
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 105
Views: 10753

Re: 4M 70K expenses would you stop?

It depends on if you want to stop. If you don't, increase your spending level to $160,000 to see if that is better.
by flyingaway
Fri May 24, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9653

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Traveled my whole life: military, >college backpacker, corporate, transitioning to retirement If you are going to do a lot of travel, learn to be good at it. Practice again and again! My personal tips: Start a bucket list, collect info on each destination when you find it save it to your computer R...
by flyingaway
Fri May 24, 2019 9:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8461

Re: Vanguard issues 10-year forecast for stock, bond market returns

I think the forecast is acceptable. If it were average annual return of 110%, then we know it is wrong.
by flyingaway
Thu May 23, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: What is the best way to test drive cars?
Replies: 39
Views: 2938

Re: What is the best way to test drive cars?

I usually made up my mind before went to the dealers. Test-drive is just a formality. Prices, colors, add-ons are more important. I don't not mean there is no difference in different cars, just test-drives do not make a difference.
by flyingaway
Thu May 23, 2019 9:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11011
Views: 1920620

Re: U.S. stocks in free fall

Looks like this time might not be a good idea to but dips.
by flyingaway
Wed May 22, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 88
Views: 17653

Re: Anyone want to share their monthly budget? Here's ours

Hi, New to the forums, been lurking a few weeks. Did a quick search on this topic and didn't see anything like it, at least within past 6 months. I'm curious what your monthly budget is, and how ours compares. Pretty sure we've cut things down but I'm sure there's ways to improve without going craz...
by flyingaway
Tue May 21, 2019 10:41 am
Forum: Personal Investments
Topic: Early Retirement Bridge Approach
Replies: 18
Views: 2781

Re: Early Retirement Bridge Approach

I think the Roth conversion is an easier bridge approach than SEPP. You could also have a sizable after-tax account for the bridge years.
by flyingaway
Mon May 20, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: What can a $120K spending budget do in early retirement years?
Replies: 22
Views: 3648

Re: What can a $120K spending budget do in early retirement years?

Your total budget is very similar to my estimated retirement budget, and I live in Maryland, a somewhat HCOL area. My budget is broken down into many more categories than yours, but I have been tracking my expenses for many years now. Did you track your expenses before or after your retirement? Do ...
by flyingaway
Mon May 20, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: What can a $120K spending budget do in early retirement years?
Replies: 22
Views: 3648

Re: What can a $120K spending budget do in early retirement years?

Will do good wrote:
Sun May 19, 2019 8:32 pm
Wouldn't your health care cost come down after your Medicare starts at 65?
I did not do a detailed budget, just a rough one to see what might be the benefits of a large portfolio, if I will be doing one more years.
by flyingaway
Mon May 20, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: What can a $120K spending budget do in early retirement years?
Replies: 22
Views: 3648

Re: What can a $120K spending budget do in early retirement years?

So you could retire earlier than 55 but are contemplating what you could do with $120K budget if you did a few OMY's to extend your work to 55? We retired late last year at 56 at something in the range of your income and compared to yours, we are spending more on a number of medium and big ticket i...
by flyingaway
Sun May 19, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14346

Re: FIRE - What am I missing in the News Stories

I agree with all the comments. In addition, now in my early 40's, I couldn't fathom not working in my field. I'd love longer vacations, but I dunno what I'd do with my time if I 100% retired now . I have trouble imagining being retired at 50 even if I could do so comfortably. In large part it's bec...
by flyingaway
Sun May 19, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14346

Re: FIRE - What am I missing in the News Stories

I also retired immediately after graduating from college. I have been doing a volunteering job, but they insisted on paying me a market salary.
by flyingaway
Sun May 19, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Guidance to Parents With Kids Majoring Computer Science
Replies: 25
Views: 2372

Re: Guidance to Parents With Kids Majoring Computer Science

Sometimes parents can only do what the kids are accepting. My son just graduated from a state university (in the middle south U.S., so not a top one) in computer science. He is not motivated, playing lots of games online, never had any internship, did not want to take our advices. He probably only a...
by flyingaway
Sun May 19, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: What can a $120K spending budget do in early retirement years?
Replies: 22
Views: 3648

What can a $120K spending budget do in early retirement years?

Since I want to do some one more years (OMYs) and that could support a larger retirement budget, I am trying to figure out a reasonably large spending budget for early retirement years (55~70), in order to see if it is worth my time to do some OMYs. So I think the following is a line item list of my...
by flyingaway
Fri May 17, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3103

Re: Synthetic oil or not for very low mileage auto?

EdNorton wrote:
Fri May 17, 2019 9:04 am
I have a 1999 Miata and doing first oil change since purchase. It now has 13,000 miles, never had synthetic oil. I'll probably drive it less than 5k miles/year. Just purchased last July.
I use synthetic oil once a year, you have to change regular oil every 3 months.
by flyingaway
Thu May 16, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: How long will a shirt last?
Replies: 34
Views: 2593

Re: How long will a shirt last?

I bought a few T-shirts in Cancun, Mexico, more than 10 years ago, they are still good today.
by flyingaway
Wed May 15, 2019 5:46 pm
Forum: Personal Investments
Topic: If you are already wealthy, what keeps you motivated?
Replies: 97
Views: 10451

Re: If you are already wealthy, what keeps you motivated?

Maybe a family and kids will keep you motivated.
by flyingaway
Sun May 12, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6311

Re: Continue working for benefit of adult children or retiring earlier?

My parents loved me very much (or at least that is how I perceived it), but I would not have wanted them to work one more day than they had to. I plan to work for many more years, but that is because I enjoy it. I can see that you want to continue to work to give to charity, but I can not see conti...
by flyingaway
Thu May 09, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: Does one need a local driver's license to buy and register a car?
Replies: 9
Views: 819

Re: Does one need a local driver's license to buy and register a car?

bob60014 wrote:
Thu May 09, 2019 7:42 am
Here is the website.

https://wisconsindot.gov/Pages/online-s ... l/dmv.aspx
The proof of residence is tricky. They don't have utility bill (included in the rent) or pays tub (direct deposit) any more.
by flyingaway
Thu May 09, 2019 7:16 am
Forum: Personal Consumer Issues
Topic: Does one need a local driver's license to buy and register a car?
Replies: 9
Views: 819

Does one need a local driver's license to buy and register a car?

As I mentioned in another thread, my son is moving to another state (Wisconsin) and he plans to buy a used car there. Because he needs to decide the location to rent an apartment, having or not having a car makes a difference. If possible, he wants to buy a car as soon as possible. However, does he ...
by flyingaway
Thu May 09, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Confidence in Amount Needed for Retirement: Which Tools/Models?
Replies: 7
Views: 768

Re: Confidence in Amount Needed for Retirement: Which Tools/Models?

We heard the 4% rule and FIRCal many times. I think that they are good to start with. Then I will be happy to use a 3% withdrawal rate to be safe.
When you have a purpose to do OMY, it feels less stressful.
by flyingaway
Tue May 07, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: How to get insurance for a first time car buyer?
Replies: 10
Views: 694

How to get insurance for a first time car buyer?

My son just graduated from college and will start his first job next month in a different state. He has never owned a car, but may want to buy a used one soon. My understanding is that he needs to have insurance before he could drive a car out of the dealer's lot. So how could he get a car insurance...
by flyingaway
Sun May 05, 2019 9:52 pm
Forum: Personal Investments
Topic: Extended Market Index Fund?
Replies: 20
Views: 2374

Re: Extended Market Index Fund?

I have over-weighted Fidelity extended market index fund for many years. Unfortunately, it has under-performanced the S&P500 index fund for as many years as I have been in.
by flyingaway
Sun May 05, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 40
Views: 2448

Re: bare root trees - best place or website to purchase from?

I bought quite a few (rare) fruit trees from Stark Brothers. I grow fruit trees for those fruits that cannot be bought easily from grocery stores (pawpaws, Asian pears, persimmons, jujubes, etc.) They are expensive, but good. You can choose your Zone to match the trees. For flower or shade trees, ho...
by flyingaway
Sun May 05, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7474

Re: How much do you donate?

I do not have a fixed amount of money set aside to give to other people, that would indicate that I have over-worked.
But I give money to people in need, including some of my relatives, quite often, when I see the need.
by flyingaway
Sun May 05, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 130
Views: 27356

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

$1M today is probably the minimum for a young person to declare financial independence, in order to pursue other interests. It really depends on what you are comfortable with. Someone who is happy to live the “van life” is very different from someone with two kids in day care. A "van life" is not a...
by flyingaway
Sun May 05, 2019 8:10 am
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 6174

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

I told my son, who will start his first job next month, to spend on what he needs, and save and invest the rest.
Life will change a lot, you cannot predict everything. But save and invest is a must if you don't want to work forever.
by flyingaway
Sat May 04, 2019 8:34 am
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 130
Views: 27356

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

$1M today is probably the minimum for a young person to declare financial independence, in order to pursue other interests.
by flyingaway
Thu May 02, 2019 10:58 am
Forum: Personal Finance (Not Investing)
Topic: The goal of achieving FI
Replies: 41
Views: 3500

Re: The goal of achieving FI

It just feels good with financial independence.
by flyingaway
Thu May 02, 2019 7:19 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 759
Views: 96585

Re: Post your Financial Milestone Announcements Here

I'm loving this thread! So inspiring. I'm about to turn 30 this year and am currently NEGATIVE $95,000 due to student loans, car debt and not enough investments and cash. Working on it though! I'm curious how many of you in (or near) the "two comma club" started in your early to mid 30's. I started...