Search found 108 matches

by TTBG
Tue Nov 12, 2019 12:48 am
Forum: Personal Consumer Issues
Topic: Los Angeles to San Francisco Roadtrip
Replies: 29
Views: 2263

Re: Los Angeles to San Francisco Roadtrip

+1 to both the Monterey Aquarium and the Madonna Inn. My other suggestions, mostly in northern CA: - Dream Inn in Santa Cruz. - the UCSC Seymour Marine center is sort of a smaller version of the Monterey Aquarium, but it's less crowded and has a cool whale skeleton. - Natural History museum in Santa...
by TTBG
Fri Oct 18, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a short career break in silicon valley
Replies: 13
Views: 3439

Re: Taking a short career break in silicon valley

My perception is that anything under a year is no big deal. Just the standard round of looking for a new job in SV afterwards. Being out of the loop more that two years can be pretty hazardous to your career. That's my perception too. I once took about a year off, although I ended up doing some ver...
by TTBG
Fri Oct 11, 2019 10:04 pm
Forum: Personal Investments
Topic: Retirees, when did you start really planning your retirement?
Replies: 53
Views: 5536

Re: Retirees, when did you start really planning your retirement?

I have never thought about retirement until early 50s. The goal of life is not how to prepare for retirement, but how best to use your life before that turning point. Since my early 50s, I saved crazy and achieved FI. I have practiced LBYM all my life. As long as I will do OK in retirement, I will ...
by TTBG
Sun Sep 08, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on selling real estate (Family Property)
Replies: 30
Views: 2396

Re: Advice on selling real estate (Family Property)

I would suggest taking a deep breath and rereading your post as if it was written by a stranger. The description that you provided makes it clear that you need to sell. Having your grandparents blessing is comfort. Words of wisdom there. It's a difficult situation but your choice is either to conti...
by TTBG
Tue Aug 20, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a computer coding mentor
Replies: 13
Views: 1304

Re: Looking for a computer coding mentor

I think the admissions counselor gave you good advice -- you are likely to get alot more out of the bootcamp if you go into it with some coding experience. I don't use Java or JavaScript but if I needed to learn it, these are some resources I might try. - Take a look at the Khan Academy videos https...
by TTBG
Sat Aug 03, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 7855

Re: Dept Outsourced - Job Worries - Need your Advises

OP, I think your idea of going to tech meetups is a good one. It will expand your network and might help you decide which new skills to focus on. Another thing you can do is to keep scanning job ads. Expand beyond IT /DBA and look for other tech jobs that you might be able to transition to -- what s...
by TTBG
Sun Jul 07, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Survived the First Week [of retirement, what's next?]
Replies: 70
Views: 10126

Re: Survived the First Week [of retirement, what's next?]

Congratulations on your retirement! It will probably take some time to adjust since it happened earlier than you were expecting. I think the most important thing for you to do next is to concentrate on your health. Get physical therapy and/or start a regular exercise routine (with your doctor's OK)....
by TTBG
Tue Apr 09, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Not much work at new megacorp job
Replies: 70
Views: 6399

Re: Not much work at new megacorp job

If you did get laid off, what would you put on your resume for the two years you've had this job? It might be harder to pad your resume than it is to pad your monthly report. Can you come up with your own projects that require you to learn something new? I can relate to wanting to relax and enjoy yo...
by TTBG
Thu Jan 10, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Travel Companies Similar to "Road Scholar"?
Replies: 21
Views: 2069

Re: Travel Companies Similar to "Road Scholar"?

Another possibility is BackRoads.com. Their trips are focused on activities like hiking or biking but they rate them by level of activity, eg how many miles of walking per day. I took one of their US trips several years ago and liked that they handled all of the logistics. They were well organized a...
by TTBG
Thu Jan 03, 2019 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Autistic sister being targeted by Nigerian scammers
Replies: 84
Views: 7262

Re: Autistic sister being targeted by Nigerian scammers

It can be depressing and humiliating to get scammed, so confronting her with the evidence could just be making her more determined to believe that the relationship is real. Maybe it would help to frame it more as you're concerned that it's an 'unhealthy relationship' since it's causing her stress an...
by TTBG
Fri Dec 07, 2018 3:15 am
Forum: Personal Consumer Issues
Topic: California 8 days road trip LA-SFO
Replies: 40
Views: 2482

Re: California 8 days road trip LA-SFO

If you want to see redwoods but can't get a reservation or don't want to deal with the crowds in Muir Woods, try Henry Cowell State Park in Felton (near Santa Cruz). There's an easy 1 mile loop and a small nature center. There are a few restaurants in Felton, all very kid friendly, so it could be a ...
by TTBG
Sat Nov 24, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Vacation for single parent and 2 teens: Belize or where?
Replies: 29
Views: 2617

Re: Vacation for single parent and 2 teens: Belize or where?

I don't know if it would fit your budget but you might check backroads.com. A friend of mine took her teenagers on a trip thru them and loved it since they handled all of the logistics. It wasn't cheap but she enjoyed travelling with other adults and her kids had fun with the other teens on the trip.
by TTBG
Sun Sep 23, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 4338

Re: Reverse Mortgages - Pros, Cons

... I'm not saying the urge to stay in the home is wrong only that it can be. The reverse mortgage option can just reinforce that feeling when finances are tight and defer the move. My feeling is it is better to move while you still have most of your physical and mental abilities and your finances ...
by TTBG
Mon Aug 20, 2018 10:08 am
Forum: Personal Investments
Topic: The more I learn the less I know: general checkup, lots of questions.
Replies: 19
Views: 2850

Re: The more I learn the less I know: general checkup, lots of questions.

I'll comment on #1 Work, worth, and future impact vs lifestyle now. It sounds like you're doing fine here. I'm a software engineer and I raised my kids in the 90s when engineers were pretty much treated like gold, so obviously YMMV, but I worked part-time/flexible hours for about 5 years. I tended t...
by TTBG
Fri Jul 27, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 16051

Re: Tips for staying active / injury-free into older age

As others have mentioned, walking, swimming, yoga or some other kind of stretching.

And also - be sure to get enough sleep. Accept the fact that your body needs more recovery time as you age.
by TTBG
Wed Jul 04, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: What to add to the baby registry?
Replies: 20
Views: 1629

Re: What to add to the baby registry?

Craigslist is your friend. Below is what I would want on my registry. ... Solve Your Child's Sleep Problems by Richard Ferber ... This made me smile. I bought this book 30 years ago, when we *really* needed it. I don't remember much about it except that it helped. And we eventually got some sleep :...
by TTBG
Sun Jul 01, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: Robert Merton on NewRetirement Podcast
Replies: 46
Views: 5640

Re: Robert Merton on NewRetirement Podcast

I'm an average Jane who luckily stumbled across this forum pretty late in the game, so posts like this are more relevant/helpful to me than the "I only have 5 Million, is that enough?" posts. Thanks for posting it, Horton!
by TTBG
Mon May 07, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Condo Association - who pays for septic repair?
Replies: 19
Views: 2000

Re: Condo Association - who pays for septic repair?

Are you sure the backup was caused by negligence? A common source of backups is a crack in the line that lets roots grow into the pipe. And a septic backup can be a pretty unpleasant experience; unless there were well established procedures already in place for getting board approval *quickly*, I pr...
by TTBG
Fri May 04, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 11268

Re: Does it make sense to rent as a retiree?

It’s a good question and I've also been pondering it. To me one advantage of renting when I retire is that it will encourage me to downsize and get rid of ‘stuff’ while I’m still capable of doing it myself. Also, I’ve had several relatives who I think stayed in the house they owned longer than they ...
by TTBG
Wed Apr 11, 2018 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Weekly Commuting
Replies: 22
Views: 2508

Re: Weekly Commuting

Use Southwest. You could book 1-way flights a couple of months in advance whenever they have a sale. Then you'll have some flexibility to make last minute changes since Southwest doesn't charge change fees (you'd have to pay the regular ticket price of course which is probably higher at the last min...
by TTBG
Sun Apr 08, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Thin/light but warm blanket for California winters?
Replies: 16
Views: 1178

Re: Thin/light but warm blanket for California winters?

Try a lightweight down comforter. They breath, they’re warm, but light. We use a mid weight one for our Colorado winters. I lighter weight version maybe just right. We bought ours here http://www.thecompanystore.com/down-comforter?cm_mmc=BING-_-%5BADL%5D%5BNon-Brand%5D%5BUS%5DBedding-Comforters(Exa...
by TTBG
Sun Apr 08, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: “Women-led companies perform 3x better than S&P 500”
Replies: 32
Views: 2688

Re: “Women-led companies perform 3x better than S&P 500”

Pajamas wrote:
"Dear Wife"
Mostly seems to be used by older men and without irony even when discussing feminism.
I haven't noticed that. I've always thought it was pretty standard bogleheads terminology, along with DH (dear husband), DD (dear daughter) and DS (dear son).
by TTBG
Fri Apr 06, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 4328

Re: Any hardworkers here who half-a** at work?

I don't mean to complain at all and I only mean business but when they ask me why I didn't ask someone else, etc, my tactful answers can only seem positive after so many times. If you're trying to figure everything out on your own without asking for help, then it's probably taking you longer to get...
by TTBG
Wed Jan 24, 2018 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Family dilemma involving wills/trusts
Replies: 24
Views: 3065

Re: Family dilemma involving wills/trusts

If I understand correctly, the will changed from: Old will: 50/50 between Son #1 and Son #2. If Son #1 dies before Mom, then Son #1's children get his share. If Son #2 dies before Mom, then Son #1 gets 100%. New will: 50/50 between Son #1 and Son #2. If Son #1 dies before Mom, then Son #1's children...
by TTBG
Wed Jan 24, 2018 10:13 am
Forum: Personal Investments
Topic: Help needed with a loan/payoff scenario.
Replies: 16
Views: 1219

Re: Help needed with a loan/payoff scenario.

In the past I've used the calculators at mtgprofessor.com to explore different payment scenarios.
by TTBG
Thu Jan 18, 2018 10:13 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 10602

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

CollegePrudens wrote: I cringe at the harsh tone that we (forum members) sometime use on the forum. Obviously not everybody uses a harsh tone. But even so... I fear that it serves to drive away knowledgeable posters away. I have learned a ton from being here, including from WCI and TFB mentioned upt...
by TTBG
Mon Jan 08, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Life at a crossroad: seeking advice
Replies: 54
Views: 7803

Re: Life at a crossroad: seeking advice

OP, I'm glad you decided to start looking for another job. There are better bosses out there. Just don't jump at the first thing that comes along; you can afford to take your time and try to find a company with a better culture and a more supportive boss. Here are some suggestions that have worked f...
by TTBG
Sun Jan 07, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Recommendations for 72 hours in Dublin, Ireland
Replies: 27
Views: 1946

Re: Recommendations for 72 hours in Dublin, Ireland

I thought the Bog bodies in the National Museum were fascinating.
by TTBG
Thu Dec 21, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Bonus: Etiquette
Replies: 47
Views: 8305

Re: Christmas Bonus: Etiquette

The owner has shown appreciation for the hard work you've done this year. Unfortunately, not all bosses do that :?. I would thank him.
by TTBG
Sat Dec 02, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Hard time deciding how much to spend on rent
Replies: 24
Views: 2037

Re: Hard time deciding how much to spend on rent

Sandtrap wrote: You can also cut expenses in other areas to make up for the 30% of net for rent. You can't put a price on happiness and contentment if the new place provides this. +1. Choose your new location carefully -- if you want to expand your social life, e.g., find a neighborhood with a lot o...
by TTBG
Wed Nov 29, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 11823

Re: Does it make sense to drop health insurance?

My 2 cents on the original question: Is my family at the point where it is rational to forego coverage? I don't think so. My employer's high deductible plan is upwards of $1800/month for family coverage, with the employee paying about $400/month and the employer covering the rest. Deductibles are 20...
by TTBG
Mon Nov 20, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: [UPDATED 1/26/2018 ] 55+ Early retirement offer.
Replies: 90
Views: 15257

Re: 55+ Early retirement offer.

Dottie, your post could have been written by me 3 years ago except I was a few years farther away from retirement and my Megacorp wasn't contemplating any early retirement offers. Many days by 10am I would need a walk around the parking lot to decide whether that was the day I was quitting. What wor...
by TTBG
Sun Oct 29, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 3830

Re: Going to SF, Yosemite and Sacramento and NOW PORTLAND

GerryL wrote: Hope you're planning to fly up to Portland. I would love to drive down to SoCal for my annual Thanksgiving visit with my brother, but driving over the pass from OR to CA can be very iffy that time of year. If you drive, you will need to be sure to carry snow chains with you. Lots of mo...
by TTBG
Fri Oct 27, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 3830

Re: Going to SF, Yosemite and Sacramento and NOW PORTLAND

Henry Cowell is an alternative to Big Basin for seeing Redwoods. If you go in the main entrance, there is an easy one mile loop thru some second growth redwoods as well as some longer hikes. The Fall Creek section is about a mile away and is a beautiful place to take a 2 or 3 hour hike. In any of th...
by TTBG
Tue Sep 19, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help With Rental Property Decision
Replies: 30
Views: 2623

Re: Help With Rental Property Decision

Personally, I would not put another 100K into the condo. You would be moving 100K from the safety of a CD into a much riskier real estate investment; how does that change your overall investment allocation? I am pretty risk averse, so I wouldn't make such a big change in my allocation even if I expe...
by TTBG
Fri Sep 08, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 75295

Re: Equifax customer information leak

So Equifax is saying that their executives were not aware of the breach when the executives sold their stock. In other words, one of the 3 major credit bureaus in the US discovered a breach potentially affecting 143 million people, and they didn't bother to inform the CFO for more than 3 days after ...
by TTBG
Sat Aug 19, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Help with overanalyzing purchases
Replies: 17
Views: 1964

Re: Help with overanalyzing purchases

I tend to over-analyze too. What helps me with deciding whether to buy something is this: I keep a binder for my various to-do lists (I'm also a compulsive list maker). In the back I have a tab called "Someday", and one of my "Someday" lists is items I'm thinking about buying. If I do any research o...
by TTBG
Thu Jul 27, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 12583

Re: Investing Education and Mansplaining

There were too many posts for me to read thru, so maybe someone already said this, but I can't resist responding to a post with mansplaining in the title, so here's my 2 cents: - In my experience 22 year olds, male or female, are not very receptive to unsolicited advice. Wait till she asks you. - Th...
by TTBG
Sat Jul 08, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 11420

Re: Shopping for first bike since I was a kid

A couple years ago, I also went shopping for my first bike since I was a kid. If DW is like me, ie not interested in going blazingly fast but very interested in not falling over, you might try looking for a "comfort" or "step through" bike. I also gave myself a budget of $400 but ended up splurging ...
by TTBG
Mon Jun 19, 2017 11:05 pm
Forum: Personal Consumer Issues
Topic: California Vacation - Bay Area, So Cal, or Both (with coastal drive)?
Replies: 23
Views: 3216

Re: California Vacation - Bay Area, So Cal, or Both (with coastal drive)?

If you would rather stick somewhat to the original plan, maybe this would work: - Drive Hwy 1 up to Hearst castle - Spend the night in San Luis Obispo -- it's a college town, lots of places to eat, might be fun for teenagers just to walk around in. - Head over to 101, with a stop at Pinnacles Nation...
by TTBG
Sun Jun 04, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Inheriting Quandary
Replies: 46
Views: 9040

Re: Inheritance Quandary

Cheapest modest house in area is $600K+ Sister can more than afford 3K given lifetime of no-rent living. JGoneRiding, fortunately, per parents' will, and pre-distribution, all sibs can occupy the property (i.e. sister cannot deprive any beneficiary of their inheritance). Mostly I would like to bene...
by TTBG
Tue Apr 11, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 9585

Re: leaving early from work

My experience is in high tech on the West Coast, so I don’t know if things are different in the financial sector. But I generally found that as long I made it clear that I didn’t think I was entitled to special treatment, and tried hard to minimize the inconvenience to co-workers, everyone was prett...
by TTBG
Sat Apr 01, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 418
Views: 72491

Re: Good Modern Science Fiction

Blackout / AllClear by Connie Willis My favorite Connie Willis book is Doomsday Book, which Amazon describes as "an intelligent and satisfying blend of classic science fiction and historical reconstruction." I also had fun reading To Say Nothing of the Dog, which is more a blend of time travel and ...
by TTBG
Thu Mar 16, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase and Sale of home: pearls of advice
Replies: 29
Views: 3931

Re: Purchase and Sale of home: pearls of advice

Familiarize yourself with IRS Pub 523 https://www.irs.gov/pub/irs-pdf/p523.pdf when you buy the home, so you know what records to keep in order to compute the adjusted basis when you sell. (This is probably relevant only if you're buying in a HCOL area where the gain when you sell might exceed the 2...
by TTBG
Thu Feb 16, 2017 11:00 pm
Forum: Personal Consumer Issues
Topic: Anniversary Trip Recommendations
Replies: 33
Views: 3406

Re: Anniversary Trip Recommendations

ClaycordCA wrote: You might look into a cheap Southwest flight to Oakland or San Francisco, skip the car and take BART into the City and rely on public transit, walking, ride share and taxis. Or stay outside the city and take BART or the ferry in. +1. I don't always go to San Francisco, but when I d...
by TTBG
Fri Feb 10, 2017 2:28 am
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 511
Views: 68659

Re: Your USER NAME...what does it mean?

TTBG = try to be good.
In real life, I can get a little snarky; this was my reminder to keep it out of my posts.
by TTBG
Tue Jan 31, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Parents as dependents on tax return
Replies: 54
Views: 4573

Re: Parents as dependents on tax return

The last sentence conflicts as well, But I'll go with the first sentence (highlighted in red) As dodecahedron said, keep reading! The paragraph that follows the one you quoted describes Joint Returns and Example 2 in *that* section supports the (conflicting) last sentence. Example 2. The facts are ...
by TTBG
Tue Jan 31, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Parents as dependents on tax return
Replies: 54
Views: 4573

Re: Parents as dependents on tax return

You're right, I didn't read far enough down the page! I have found that the examples in Pub 17 usually clarify things for me but in this case I only read the examples for a single filer. Next time I'll be more careful to read the entire section. Thanks for your explanation.
by TTBG
Mon Jan 30, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Parents as dependents on tax return
Replies: 54
Views: 4573

Re: Parents as dependents on tax return

Your parents should file their return even though they are not required to because at a minimum they can get any withholding back and deter identity theft. At best they might have a refundable credit. The choice you are making is whether or not to claim them (insurance penalty vs dependent exemptio...
by TTBG
Sun Jan 29, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Parents as dependents on tax return
Replies: 54
Views: 4573

Re: Parents as dependents on tax return

Your parents cannot claim the Earned Income Credit if they qualify as your dependents. See the rules under Who can claim the credit on the IRS page: https://www.irs.gov/credits-deductions/individuals/earned-income-tax-credit/eitc-earned-income-tax-credit-questions-and-answers More detail is in IRS P...