Search found 66 matches

by lowerleisureclass
Thu Oct 03, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Wedding Finances-Today
Replies: 107
Views: 8566

Re: Wedding Finances-Today

I got married eight years ago. One of the better pieces of advice I remember was "Decide who you want to be there (and err on the side of inclusiveness), THEN decide how fancy a meal etc. you can afford to give them." I also found the website "A Practical Wedding" to be extremely helpful for plannin...
by lowerleisureclass
Wed Jul 31, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: 3 Days in Seattle
Replies: 24
Views: 1492

Re: 3 Days in Seattle

Glass museum is Chihuly; though I laughed at "Cthulu." That *would* be an interesting museum. If you like SE Asian fare try Stateside on Capitol Hill and Sen Noodle and/or Pestle Rock in Ballard. So good. Also try La Cabaña for Central American food -- it's not centrally located but the food is grea...
by lowerleisureclass
Wed Jul 24, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 7041

Re: Should relative incomes be a factor in wedding gift?

Yikes!!! I guess I am showing my "age" or something else, but $400 is a shocker. Upon thinking about it, though, I suspect that the $400 per guest probably covers the use of the facility (ballroom, etc.) For some reason, I have recently been thinking about some kind of wedding anniversary "celebrat...
by lowerleisureclass
Tue Jul 23, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Buenos Aires - How many days?
Replies: 33
Views: 3074

Re: Buenos Aires - How many days?

BA has an amazing music scene -- tango, folklorico, jazz, cumbia, etc. Tons of venues small and large. If you have any affinity at all for classical music, go see the symphony at Teatro Colon -- its acoustics are considered among the best in the world and you will feel like Marie Antionette sitting ...
by lowerleisureclass
Thu Apr 18, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and Student Loans
Replies: 62
Views: 4492

Re: Marriage and Student Loans

Oh come on, even today, there are precious few places in the US where an individual making $50K a year could be considered "low income." Also FWIW in 2010 I was making ~$50K a year (in Seattle), and after maxing out my 401K and deductions for health insurance and taxes and all the rest of that jazz,...
by lowerleisureclass
Mon Apr 15, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6458

Re: Women, How Much Do You Pay for Haircut

quantAndHold wrote:
Mon Apr 15, 2019 3:10 pm
Seattle, $80 including tip, for the best haircuts I’ve gotten in my life at a fancy salon downtown. Worth every penny.
Any chance you'd be willing to share the name of this stylist and salon?
by lowerleisureclass
Wed Aug 22, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 11492

Re: I own 1,387 items!

Yeah, the way the original "100 Things" guy got down to 100 items was by counting ONLY his own clothes, toiletries, and electronics, and even then he counted "socks" as one thing. All household and kitchen items, furniture, etc. didn't "count" because his wife and kids also used them. So basically h...
by lowerleisureclass
Wed Oct 19, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: The riskiness of home ownership
Replies: 239
Views: 23531

Re: The riskiness of RENTING

I think RENTING is risky: 1. Your rent is not under your control (unless you are under rent control) but you can vote for/against measures that impact property taxes, which can get passed onto you. You will never stop paying the rent. When you move, you don't get anything back, except a deposit and...
by lowerleisureclass
Tue Jul 19, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Retirement for Women(?)
Replies: 34
Views: 4650

Re: Retirement for Women(?)

The other main retirement issue unique to women that gets mentioned constantly is that women tend to earn less than men over the course of their careers, and their careers are often interrupted for years to care for children, and this combined with longevity means they are at greater risk of living ...
by lowerleisureclass
Thu May 12, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 141
Views: 20487

Re: Renting vs owning

It's hard to justify renting if you have an area you want to stay long term. Obviously this is anecdote, not data, but here's how I justify it: In 1991, when I moved to to this town, the median home price here was $172K, which was 9.5 times my annual salary. The median home price as of February was...
by lowerleisureclass
Tue Apr 12, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Best crash course in Spanish?
Replies: 32
Views: 5120

Re: Best crash course in Spanish?

A podcast that I enjoy can be found at radioambulante.org -- think This American Life but telling "Latin American stories from anywhere Spanish is spoken." Each episode has a transcript in Spanish so you can read along as you listen, and a translation in English is also posted. And I second meetup.c...
by lowerleisureclass
Tue Dec 15, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Christmas Time : How to not appear rude
Replies: 67
Views: 10447

Re: Christmas Time : How to not appear rude

Assuming these are people you actually enjoy spending time with, ask for an experience with that person: to go camping together, to see a play, to visit the aquarium, to check out the new burrito place in town, etc. Then you are getting time with your friend, they get the pleasure of giving you some...
by lowerleisureclass
Thu Aug 27, 2015 5:02 pm
Forum: Personal Investments
Topic: Yet another TLH question - Are most of you switching back after 30/60 days?
Replies: 27
Views: 3009

Re: Yet another TLH question - Are most of you switching back after 30/60 days?

Lowerleisure, There are two things you need to do when you're logged in to your Vanguard account. You will need to set your funds in your taxable account to a Cost Basis preference: choose Specific ID (Vanguard defaults to Average Cost). Second, you will need to shut off your reinvestment of divide...
by lowerleisureclass
Wed Aug 26, 2015 5:05 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 306
Views: 59487

Re: TLH for absolute dummies

Several of the old guard on this site claim TLH takes two minutes and is as easy as the click of a couple of buttons. I'm finding that not to be so... especially not if I have to take all of my 403(b) and 457(b) holdings and exchange *those* into something else, too, just to avoid a wash sale. If I...
by lowerleisureclass
Tue Aug 25, 2015 4:56 pm
Forum: Personal Investments
Topic: Yet another TLH question - Are most of you switching back after 30/60 days?
Replies: 27
Views: 3009

Re: Yet another TLH question - Are most of you switching back after 30/60 days?

I don't switch back if things go up. I exchange VTIAX and VFWIX (as many do on here) and I don't mind holding both funds indefinitely. I am just trying to wrap my brain around the TLH concept, so forgive me if this should be obvious, but do you mean you do an exchange of one fund for the other, you...
by lowerleisureclass
Wed Aug 19, 2015 1:25 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: we've got a bond bubble, Houston
Replies: 71
Views: 8680

Re: Greenspan: we've got a bond bubble, Houston

Nisiprius, let me say aloud what I have thought so very many times: thank you for being such a calming voice amidst the hysterical noise. I have saved several of your posts to refer back to, to keep me from going over the edge.
by lowerleisureclass
Wed Aug 12, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: What should we do in South Korea?
Replies: 16
Views: 2679

Re: What should we do in South Korea?

It's been a loooong time, but I was there for a month in 1993. A visit to Minsok Korean Folk Village near Seoul would be worthwhile -- it's a kind of living museum where you can see traditional houses, watch artisans working at their crafts, see traditional dances, etc. Also there's a park and amuse...
by lowerleisureclass
Tue Aug 04, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 80
Views: 11121

Re: Aloha Shirt: Yes or No

You might also consider a guayabera shirt (google will turn up lots of examples), if your main goal is good in heat and crossover from work to going out.
by lowerleisureclass
Tue Jul 28, 2015 1:56 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 198
Views: 25205

Re: Would you look down on a co-worker for driving a beater?

This is a beater: http://drivenautos.com/wp-content/uploads/2010/12/beater2.jpg Cue Johnny Cash's "One Piece at a Time" Well, I left Kentucky back in forty nine An' went to Detroit workin' on a 'sembly line The first year they had me puttin' wheels on Cadillacs Every day I'd watch them beauties rol...
by lowerleisureclass
Thu Jun 04, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 57582

Re: much ado about coasting (through life)

It sounds like those "hippies" got their priorities right. Living the life that they wanted, resulted in prioritizing enjoying what they do/did and not in making money. So they have to work longer in life. But it sounds like they didn't "work" that much during their careers. Seems like they chose t...
by lowerleisureclass
Thu Apr 23, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 13252

Re: Marriage and splitting expenses

Ditto the shared plan being important, not what strangers think. As Taylor says, there are many roads to Dublin. What works for one couple would drive another bonkers. Some couples have one account, some have twelve. Some couples like to do things separately, others prefer to spend every single seco...
by lowerleisureclass
Tue Apr 14, 2015 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 3804

Re: Career and college advice for current HS students

I can only speak to: Skilled at writing, written communication, and English I majored in English in the late 80s and have been employed ever since as an editor. Initially I worked at a publishing company (most of the big ones are in NYC, but there are also tons of small/specialty presses, state hist...
by lowerleisureclass
Tue Mar 24, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help w/ adult child hard-wired for poor financial decisions?
Replies: 45
Views: 7324

Re: Help w/ adult child hard-wired for poor financial decisi

From what you have said, it sounds to me like she is mostly self-supporting; is that correct? When you "help" her, is it because she asks for it or because it upsets you to see how she is living? I have "helped" my mother on many occasions and have had a lot of angst about whether it's really helpin...
by lowerleisureclass
Tue Feb 24, 2015 5:09 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 104
Views: 17045

Re: [favorite] Boglehead quotes

In all the reading I have done over the past few years to educate myself in my ongoing efforts to simplify my portfolio after firing my adviser, the following is hands down the most helpful thing I've read. nisiprius wrote: My answer to all such questions is: do it slowly and gradually. If you never...
by lowerleisureclass
Tue Feb 17, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Choosing a Backpack and other Gear for el Camino
Replies: 100
Views: 16506

Re: Choosing a Backpack for el Camino

How do those rainy PNW folks protect their sleeping bag? I stuff mine into lower compartment of my Crest trail 70, not via top opening. Have tried plastic trash bag, but can get snarled in zipper... Lightweight plastic trash bag inside of a compression stuff sack -- makes your sleeping bag as small...
by lowerleisureclass
Tue Feb 17, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 144
Views: 12230

Re: Preparing for 2 months incommunicado

Victoria, I have no advice for you but wish the best of trips! Two months without electronics sounds like two months of heaven. If there is one thing I'm grateful for in my travelling life, it's that I am old enough to have backpacked around Europe and North Africa for six months when that actually...
by lowerleisureclass
Tue Feb 17, 2015 12:57 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 144
Views: 12230

Re: Preparing for 2 months incommunicado

Victoria, I have no advice for you but wish the best of trips! Two months without electronics sounds like two months of heaven. If there is one thing I'm grateful for in my travelling life, it's that I am old enough to have backpacked around Europe and North Africa for six months when that actually ...
by lowerleisureclass
Mon Feb 16, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Recommend a movie for a lonely Boglehead on Valentine's day
Replies: 87
Views: 8178

Re: Recommend a movie for a lonely Boglehead on Valentine's

Say Anything is a great early John Cusack rom-com. My Valentine's Day movie this year was "Trouble in Paradise," a 1932 pre-Code movie featuring a male jewel thief and a female pickpocket teaming up to con a beautiful ridiculously wealthy perfume company owner who, in the words of Roger Ebert "think...
by lowerleisureclass
Thu Feb 05, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 9544

Re: POLL: Do you personally own a cell phone?

Neither my husband nor I have cell phones, we do have a landline. We live in one of the techiest of cities, so it's pretty amusing to see people's reactions when they find out. There is nothing in my life so incredibly time sensitive it can't wait until I get home from work or from the weekend. DH w...
by lowerleisureclass
Tue Dec 16, 2014 11:45 am
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 26928

Re: WHY is retirement enjoyable / something to look forward

This may be one of those "If you have to ask you wouldn't understand" type of questions. For me the answer is simple -- because the world is a huge place full of fascinating place to go and things to learn, see, and do, instead of doing the same damn thing in the same damn place day after day after ...
by lowerleisureclass
Thu Dec 11, 2014 11:59 am
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 6098

Re: Why did you quit your job?

Quit summer job after college to move to NYC with a whopping $1,500 in pocket Quit NYC job to move back across country (by way of Berlin for 2 months) to be with my boyfriend, who was absolutely not worth it Quit temp job for permanent position Let go from that job during six month leave of absence ...
by lowerleisureclass
Fri Oct 24, 2014 10:46 am
Forum: Personal Investments
Topic: question re. capital gains tax on "mandatory exchange"
Replies: 5
Views: 804

Re: question re. capital gains tax on "mandatory exchange"

Thanks all; I appreciate the responses, especially the specific links. I figured it would be treated just like any other sale, but it's nice to know for sure.
by lowerleisureclass
Thu Oct 23, 2014 12:37 pm
Forum: Personal Investments
Topic: question re. capital gains tax on "mandatory exchange"
Replies: 5
Views: 804

Re: question re. capital gains tax on "mandatory exchange"

Thank you; I had seen that but since it (and everything else I'd seen) were about stock-to-stock exchanges I was curious to see if I could find anything more specific about fund closure. I did find just this, however, which also seems fairly conclusive though it too isn't from the IRS: http://www.fa...
by lowerleisureclass
Thu Oct 23, 2014 11:33 am
Forum: Personal Investments
Topic: question re. capital gains tax on "mandatory exchange"
Replies: 5
Views: 804

question re. capital gains tax on "mandatory exchange"

Greetings bogelheads; I have a question that Mr. Google has not been able to help me with. I bought 100 shares of iShares TR NYSE 100 in 2010 in a taxable account, and they have now been liquidated as a "mandatory exchange" to cash because iShares closed that fund. I assume that the IRS will treat t...
by lowerleisureclass
Mon Sep 29, 2014 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 20164

Re: How can I stop feeling depressed about my finances?

Yes, editing is my passion. Much of my academic research centred around textual editing/editorial theory, and all through my student days I was the go-to for proof reading papers, editing short stories, "making stuff sound good," etc. I completed an editing assessment for a Technical Writing job wi...
by lowerleisureclass
Mon Sep 29, 2014 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 20164

Re: How can I stop feeling depressed about my finances?

Yes, editing is my passion. Much of my academic research centred around textual editing/editorial theory, and all through my student days I was the go-to for proof reading papers, editing short stories, "making stuff sound good," etc. I completed an editing assessment for a Technical Writing job wi...
by lowerleisureclass
Mon Sep 29, 2014 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 20164

Re: How can I stop feeling depressed about my finances?

@Semiotic, Have you thought about editing as a career? I graduated into the Regan recession with a BA in English and have spent nearly my entire career editing engineering reports. Never been out of a job except for when I wanted to be. Those STEM people may make more money than I do but they still ...
by lowerleisureclass
Wed Sep 17, 2014 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Please critique my 2015 household budget
Replies: 21
Views: 4151

Re: Please critique my 2015 household budget

Seattleite here, just wanted to chime in to say that: 1) Depending on where your office is, there are a several neighborhoods here where you're probably actually better off without a car, and you can do Zipcar for getting out of town on weekends, etc. That would save you a ton. Of course the further...
by lowerleisureclass
Mon Sep 15, 2014 2:36 pm
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 56
Views: 15467

Re: Learning a NEW language - Foreign Service Inst

I've found that a large part of learning a language is your motivation. If it's for work or because you'll be moving/traveling to another country, you have a goal. If you just want to learn a language as a hobby, you might not make the time each day/week to do it. It's probably best to determine wh...
by lowerleisureclass
Mon Sep 15, 2014 1:55 pm
Forum: Personal Consumer Issues
Topic: Learning a NEW language - Foreign Service Inst
Replies: 56
Views: 15467

Re: Learning a NEW language - Foreign Service Inst

While it's absolutely true to say immersion is best, for those of us with jobs it's generally not an option to move to another country for months or years. Don't overlook your local library as a resource -- I managed to get from only a few words of Spanish to conversational and able to make reservat...
by lowerleisureclass
Wed Aug 20, 2014 11:45 am
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 8191

Re: [live off dividends?] How the rich stay/get richer??

The rich are not rich because of dividends. It's because they work harder and are willing to take more risks than others. Perhaps a little luck helps, but it would be an anomaly for someone to make $2 million dollars one year and then drop everything to sit back and collect dividends. JT Having the...
by lowerleisureclass
Thu Jul 31, 2014 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 70
Views: 7911

Re: Principal Residence = Poor Investment?

I do have a screaming deal on rent, but around here I'd have to put down in the neighborhood of seven years' worth of rent if I wanted to make a decent down payment on even a "cheap" house. Which would mean taking it out of the market, paying cap gains tax on it, etc. All that to maybe save a coupl...
by lowerleisureclass
Wed Jul 30, 2014 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 70
Views: 7911

Re: Principal Residence = Poor Investment?

Here's something I've never, ever understood: when someone says that renting is cheaper than buying, do they just ignore the whole down payment part of the equation? I can see maybe having your monthly mortgage payment be cheaper than monthly rent in some situations, if you're renting something rea...
by lowerleisureclass
Wed Jul 30, 2014 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Principal Residence = Poor Investment?
Replies: 70
Views: 7911

Re: Principal Residence = Poor Investment?

Here's something I've never, ever understood: when someone says that renting is cheaper than buying, do they just ignore the whole down payment part of the equation? I can see maybe having your monthly mortgage payment be cheaper than monthly rent in some situations, if you're renting something real...
by lowerleisureclass
Tue Jul 22, 2014 9:45 am
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 20318

Re: List of Worst financial advice (what not to do):

What kind of professions require a degree in Humanities? My brother was an English major for his undergrad and later went on to get his MBA. He has excellent communication and writing skills as a result of his English / lit studies and it has served him very well in the business world. That said, I...
by lowerleisureclass
Mon Jun 30, 2014 11:29 am
Forum: Personal Consumer Issues
Topic: Washington state retirees?
Replies: 29
Views: 3040

Re: Washington state retirees?

Not to rain on your parade, but with current traffic, "within an hour of Seattle" is *in* Seattle. Sadly, it often takes upwards of an hour to just drive across town these days -- last weekend it took 45 minutes to get from Greenwood to Capitol Hill -- a distance of 7 miles. Apparently we're the fas...
by lowerleisureclass
Thu Jun 26, 2014 2:27 pm
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 116
Views: 16545

Re: How do you afford to travel?

Actually, many of us in our 40s and even 50s still prefer the type of travel where you find yourself hitching a ride on a mountain road in Central America from a pickup full of locals with a couple of guys carrying machine guns hanging off the back, and yes, you can travel very extensively for not a...
by lowerleisureclass
Wed Jun 11, 2014 3:16 pm
Forum: Personal Investments
Topic: Closing a Merrill Lynch account
Replies: 8
Views: 5206

Re: Closing a Merrill Lynch account

Another option would be to transfer your account to Merrill Edge, which has no annual fee and 30 free trades a month if you: (1) Maintain total combined balances of $25,000 or more in Bank of America deposit accounts; (2) Maintain total combined balances of $25,000 or more in cash balances in your M...
by lowerleisureclass
Wed Jun 11, 2014 11:17 am
Forum: Personal Consumer Issues
Topic: Commute to elementary school [French language spoken]
Replies: 37
Views: 4169

Re: Commute to elementary school [French language spoken]

From the age of ten until I graduated from high school, I went to a private school that was a half hour drive away or well over an hour on the school bus (which we still had to be driven to). My parents were dairy farmers, so they certainly weren't wealthy or even well off, but education was a prior...
by lowerleisureclass
Wed Jun 11, 2014 9:57 am
Forum: Personal Consumer Issues
Topic: Budget for charitable giving
Replies: 39
Views: 3661

Re: Budget for charitable giving

I give 10% (depending on the year varies between 10% of net and 10% of gross) -- mainly divided between sponsoring a girl in India; my church (thus supporting lot of programs like feeding homeless teens, providing inexpensive day care for low income families, marriage equality, etc.); and my aging p...