Search found 72 matches

by crinkles2
Tue Nov 10, 2020 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: 39 Year-Old Offered Pension Lump Sum Buyout - Take It?
Replies: 74
Views: 6497

Re: 39 Year-Old Offered Pension Lump Sum Buyout - Take It?

Personally, I would take it now and put in 100% equities with dividends reinvested, and forget about it. If possible, into a tax advantaged account. If the OP owns ANY bonds, this is terrible advice. The pension is a bond-like risk with equity-like returns. But I give up. Way too many Bogleheads su...
by crinkles2
Tue Nov 10, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: 39 Year-Old Offered Pension Lump Sum Buyout - Take It?
Replies: 74
Views: 6497

Re: 39 Year-Old Offered Pension Lump Sum Buyout - Take It?

Personally, I would take it now and put in 100% equities with dividends reinvested, and forget about it. If possible, into a tax advantaged account. If the OP owns ANY bonds, this is terrible advice. The pension is a bond-like risk with equity-like returns. But I give up. Way too many Bogleheads su...
by crinkles2
Tue Nov 10, 2020 2:57 am
Forum: Personal Finance (Not Investing)
Topic: 39 Year-Old Offered Pension Lump Sum Buyout - Take It?
Replies: 74
Views: 6497

Re: 39 Year-Old Offered Pension Lump Sum Buyout - Take It?

Personally, I would take it now and put in 100% equities with dividends reinvested, and forget about it. If possible, into a tax advantaged account.
by crinkles2
Tue Sep 15, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 167
Views: 12583

Re: Cybersecurity and passwords

tibbitts wrote: Thu Jul 09, 2020 8:31 am I would say just use a password manager.

If you use 2FA on all the accounts you use every day make sure you have the suicide prevention hotline on speed dial.
What does this mean?
by crinkles2
Thu Sep 10, 2020 5:11 am
Forum: Personal Consumer Issues
Topic: Please help me, need to buy a computer
Replies: 144
Views: 7628

Re: Please help me, need to buy a computer

I find that you can run old software much longer on Windows machines than on Macs, using compatibility modes. I'm not an expert, just my lived experience! We have recently bought a very expensive tower computer, in part to let the kids enjoy gaming with a strong system. Have owned an iMac since 2012...
by crinkles2
Sat Sep 05, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Reducing road noise that reaches back side of house
Replies: 43
Views: 3080

Re: Reducing road noise that reaches back side of house

We've generally found that vegetation screens don't grow fast enough to solve the problem, or are just not good enough even when mature. Where we've tried it, we ended moving before the screen was mature as it wasn't doing anything. This was not for a road noise issue, but bad neighbors. We used to ...
by crinkles2
Fri Aug 28, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: Garage shelves?
Replies: 29
Views: 2514

Re: Garage shelves?

We used this method recently:
https://www.youtube.com/watch?v=cTxRBckenI4

Reasonably easy to build, cheap, very sturdy, and I like the look of it.


I positively hate the L-bracket solutions that hold up a plank.
by crinkles2
Sat Aug 22, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: single women retirement suggestions
Replies: 62
Views: 5434

Re: single women retirement suggestions

Have you considered Mauritius, or Sri Lanka?
by crinkles2
Sat Aug 22, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: Financing new house without selling first
Replies: 16
Views: 1370

Re: Financing new house without selling first

As painful as it is, having lived the experience, my recommendation would be to sell first, rent, then buy once you have the proceeds. Less risk and less stress, and you don't sound to be in a hurry.
by crinkles2
Wed Jul 01, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Landlord expectations: Rats in the yard
Replies: 80
Views: 5814

Re: Landlord expectations: Rats in the yard

My vote is for a cat.

Problem is, you never know if yours will turn out to be a good mouser.

Maybe you need to search for some good mousing stock/genes. Mean barn cat.

I think just the cat's smell keeps the rats away.
by crinkles2
Mon Jun 29, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: Perpetual vs Subscription License - Microsoft Office
Replies: 41
Views: 2471

Re: Perpetual vs Subscription License - Microsoft Office

Subscription, as all 5 of our family members need their own login, and onedrive is our defacto backup system as well. Each member gets 1TB cloud storage. As someone mentioned, still really hard to achieve 1 ecosystem. Google is really handy but I prefer the integration of Microsoft products on lapto...
by crinkles2
Mon Jun 29, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 155
Views: 14502

Re: Hopeless Civil Engineer

OP, I am in a very similar position as you, $87k pay, geotech. much less travelled than yourself. Recently got my PE, employer seems to not want to reward it even though pushing for it for a long while. Honestly, it's been an unfulfilling career. And yes, the reality is that you are int he construct...
by crinkles2
Sun Jun 21, 2020 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have other options than mortgage default? How do I handle foreclosure?
Replies: 36
Views: 4231

Re: Do I have other options than mortgage default? How do I handle foreclosure?

I looked into on-site sewage processing, but installing that would cost more than half of what the property is worth, and since maintaining it would be an ongoing expense, it would make the property worth even less. We used an on-site Seweage Treatment System at our old place. It was about $12k to ...
by crinkles2
Sat Jun 20, 2020 3:53 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 325
Views: 24439

Re: So what are you cooking

discovered I have about 10 cans of sardines in the back of the pantry. I really wish I could think of ways to use sardines other than on a platter with crackers. Anyone? sardines? Eat them French style. Sardines over toasted peasant bread garnished with EVOO, a little lemon juice, and fresh parsley...
by crinkles2
Fri Jun 19, 2020 9:41 pm
Forum: Non-US Investing
Topic: Australia - Young and Dumb and Improbably Lucrative...?
Replies: 14
Views: 2991

Re: Australia - Young and Dumb and Improbably Lucrative...?

I would just keep it in cash for the foreseeable future.

Avoid property and avoid long term relationships.
by crinkles2
Wed Jun 17, 2020 4:33 am
Forum: Investing - Theory, News & General
Topic: A Returns Spreadsheet for Bogleheads
Replies: 311
Views: 79576

Re: A Returns Spreadsheet for Bogleheads

If I am looking at an ETF which has a dividend paid to a cash account, is that counted as a withdrawal?
by crinkles2
Mon Jun 15, 2020 4:19 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 202
Views: 127621

Re: Banned from Home Depot Returns

I had to buy a specialized drill bit for $50 that I only needed for one hole.

I was itching to return it, but my inner voice wouldn't let me...

Now it shall gather dust for 50 years...
by crinkles2
Mon Jun 15, 2020 4:12 am
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9461

Re: Tipping why % of bill and not flat amount?

BogleFanGal wrote: Sat Jun 13, 2020 12:19 pm
crinkles2 wrote: Sat Jun 13, 2020 2:30 am OK Wow - I always though a 10% tip was generous!
This is sarcasm, right? :D
I'm dead serious! I've been living under a rock!
by crinkles2
Sat Jun 13, 2020 2:30 am
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9461

Re: Tipping why % of bill and not flat amount?

OK Wow - I always though a 10% tip was generous!
by crinkles2
Fri Jun 12, 2020 11:09 pm
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 44
Views: 3805

Re: Coffee Experts - Help with an online coffee order

It's all just personal taste. But recently have 'discovered' a wonderful basic blend, ground, vacuum packed.
https://www.lavazza.com/en/coffee/coffe ... a-oro.html
by crinkles2
Thu Jun 11, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees wanting to move back home..
Replies: 28
Views: 3529

Re: Retirees wanting to move back home..

As someone in the midst of the back end of bridging finance, it has been the most stressful 6 months of my life Firstly most banks won't touch it. Too much risk for them (translation - it's dangerous to you, too). Had to go with lower tier lender. Rates are competitive though. In the bridging period...
by crinkles2
Wed Jun 10, 2020 3:44 am
Forum: Personal Investments
Topic: Paying off mortgage or investing in stocks/bonds?
Replies: 16
Views: 1318

Re: Paying off mortgage or investing in stocks/bonds?

I wouldn't deplete my cash to less than 6 months EF.

Liquidity is king. Your cash may become locked up in the bricks and mortar.
by crinkles2
Sat Jun 06, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend paying rent
Replies: 107
Views: 10772

Re: Girlfriend paying rent

I'd sell the place, move to a rental and split the rent. Then invest the proceeds from your property sale.
by crinkles2
Wed Jun 03, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey
Replies: 56
Views: 7551

Re: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey

Would a diversified Vanguard Balanced fund have rebalanced through this trough? I am in the process of deciding whether to use asset class specific ETFs or just Diversified funds... I think (but am not sure) they either rebalance quarterly or monthly, not a "trigger based" method. I didnt...
by crinkles2
Wed Jun 03, 2020 6:10 pm
Forum: Investing - Theory, News & General
Topic: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey
Replies: 56
Views: 7551

Re: A visual illustration of "stay the course" - one "stubborn" Boglehead's journey

Would a diversified Vanguard Balanced fund have rebalanced through this trough?

I am in the process of deciding whether to use asset class specific ETFs or just Diversified funds...
by crinkles2
Wed Jun 03, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: Is there a computer program for making a spending report?
Replies: 13
Views: 829

Re: Is there a computer program for making a spending report?

Moneydance would do this. Register, reports, but poor budgeting.

YNAB will be very detailed. Register, reports, and future looking budgeting.

I use both. I'd go insane without YNAB. It provides so much clarity for me, good and bad.
by crinkles2
Wed Jun 03, 2020 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6218

Re: Selling wife's 1-year old car?

Do you like the cars?

The value of the cars are reasonable compared to your income.

You're likely to take a bath on selling them, but you are taking a bath on the interest anyway. You have great incomes, if it were me and I liked the cars, I would just work to get them paid off ASAP.
by crinkles2
Wed Jun 03, 2020 5:56 am
Forum: Personal Finance (Not Investing)
Topic: What is your homeowner's insurance deductible? Any recommended endorsements/riders?
Replies: 19
Views: 1563

Re: What is your homeowner's insurance deductible? Any recommended endorsements/riders?

I have done the analyses for both our car insurance and home insurance. When I get a quote for insurance, I alwyas ask for a premium vs/ a range of deductibles (or play with the online quote system) I then look at the total cost of insurance (premiums + deductible) for each time period to claim, e.g...
by crinkles2
Fri May 29, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Lifelong New Yorker relocating to Philly for FIRE?
Replies: 39
Views: 3281

Re: Lifelong New Yorker relocating to Philly for FIRE?

As a total outsider, the move would not make sense to me on your income. Assuming you have a reasonable apartment and access to services in NYC.
by crinkles2
Fri May 29, 2020 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Probationary period for new job
Replies: 29
Views: 2202

Re: Probationary period for new job

In my experience, it is typical, and has always been in the employment agreement. 6 months in all my positions. Essentially it allowed termination without any benefits like accrued leave, notice period, etc. Only after the probationary period you were then entitled to those things. It's a way for em...
by crinkles2
Fri May 29, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: question about modems & routers
Replies: 27
Views: 1880

Re: question about modems & routers

How are the Google Mesh Wifi systems regarding security? I just plugged and played and connected to wifi.
by crinkles2
Fri May 29, 2020 9:26 pm
Forum: Personal Investments
Topic: Overpay for the home we love?
Replies: 62
Views: 5085

Re: Overpay for the home we love?

How much maintenance does the house need? Is the maintenance something you can leave for the tenant in future or a maintenance service? We ran into the problem that our place which was semi rural, could not be rented out (in our view) due to heavy maintenance (4 acres). Also, if the purchase is affo...
by crinkles2
Thu May 28, 2020 3:46 am
Forum: Personal Consumer Issues
Topic: Falcon 9 Launch to the International Space Station
Replies: 156
Views: 11057

Re: Falcon 9 Launch to the International Space Station

I've seen quite a few launches, always impressive, but the Falcon "landing" blows my mind :shock: I suppose it looks like the launch playing in reverse but it doesn't seem like it should work that way. +1,000 the landings simply blow my mind everytime they happen. I can't comprehend the c...
by crinkles2
Mon May 25, 2020 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12880

Re: Approaching 40, worried about financial future

Some more information (Sorry I am not quoting directly) We are debt free other than this mega mortgage. I am easy with increasing equities to 80/20 and will do so. Shall I consider all of our assets (e.g. cash in the bank) etc as part of this? or should it be the retirement account that meets that a...
by crinkles2
Mon May 25, 2020 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12880

Re: Approaching 40, worried about financial future

The great majority of people retire with FAR less than $1 million. Yet somehow they do. This forum is great, but it's a super affluent bubble that can make an average Joe feel inferior in a hurry. Don't let it. Heh, even in saying this, the super affluent bubble is reinforced. The OP makes $83k, wh...
by crinkles2
Mon May 25, 2020 3:52 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12880

Re: Approaching 40, worried about financial future

You should get that house sold as soon as possible. There is always a right price in every market. While I don't believe that it is good to under-price a house only to brag how it sold in a day, the right price is usually lower than you think. Since you have some interest in the past two weeks, but...
by crinkles2
Mon May 25, 2020 3:49 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12880

Re: Approaching 40, worried about financial future

If you already *own* 2 vehicles how much do you save by getting rid of one? You have already taken the depreciation hit on those cars. Until they become so old that they require expensive repairs your main additional costs are licensing + gas? I just think, particularly with 3 kids, that in most No...
by crinkles2
Mon May 25, 2020 3:44 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12880

Re: Approaching 40, worried about financial future

First and foremost: Focus on keeping your job skills up-to-date. Do not allow yourself to become a dinosaur. Be proactive in supporting (being involved in) changes your management makes or considers. Help with the planning. Help with documenting the new procedures in a way that optimizes operation ...
by crinkles2
Mon May 25, 2020 3:42 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12880

Re: Approaching 40, worried about financial future

I think you'll be less worries once your other house sells. It is worrisome especially in these times. Many immigrant families earn less and but they save save save. No eating out. No expensive cable. No expensive smartphones. etc etc . True. Happy to say we accepted and offer today on the sale! Ad...
by crinkles2
Sat May 23, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 9045

Re: Investors: be aware of weakness in 2FA + strengthening

This is very true and does concern me. We had the opposite problem - I bought a new sim card for our daughter, and needed to port out the old (prepaid) number. The old provider wouldn't let us! Extremely frustrating. Some services use Secret Code generators. A credit union we used used Symantec 2FA ...
by crinkles2
Sat May 23, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10980

Re: Personal spending out of control after Covid-19

I haven't been personally as affected by lockdown as most. I've been able to continue to go to work as construction kept going as per normal. I am craving some smooth, thin cut, ocean salt chips right now. I've put my order in with the grocery shop... Drink wise, I have been enjoying some port every...
by crinkles2
Sat May 23, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12880

Re: Approaching 40, worried about financial future

Thanks everyone for your responses. To clarify, we are married. 'traditional' family structure. I was not precise enough in that wording. Kids are 9, 11 and 14. Sensitive topic as to her working. The house we are selling (but still own) is valued at 400k. The house we have bought and where we now li...
by crinkles2
Sat May 23, 2020 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 12880

Approaching 40, worried about financial future

I am about to turn 40 in a year or so. Recently I have become ever more worried about my/our future. I earn about $83,000. My retirement accounts are about $111,000. I am for 67/33 stock and bond approach. We are a family of 5 (3 kids). My partner does not work. I currently save about 8.7% of gross ...
by crinkles2
Fri May 22, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39617

Re: The axe falls and I am prepared. What's next?

In my opinion, you are in an enviable position. If I were in your shoes, I'd retire today. Perhaps I'd slowly think about doing something I truly enjoy and find value in. But work for me, never has taken that place.
by crinkles2
Thu Apr 09, 2020 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is saving $19k/yr worth having roommates? (California Bay Area)
Replies: 71
Views: 5829

Re: Is saving $19k/yr worth having roommates? (California Bay Area)

I would keep doing what you're doing. That's a lot of money you can save and invest. IMHO real estate will bleed you dry and it's your biggest expense. When you have a family things may change. As far as the virus goes, should be fairly similar exposure to most families living together provided no o...
by crinkles2
Sun Apr 05, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 17015

Re: What percentage of your paycheck do you invest?

About 8.7% gross, due to various reasons, some being:
1. single income family.
2. 3x preteens.
3. In the middle of an expensive move.
4. Hoarding cash due to Covid 19 (and I use the term hoarding lightly because there's not much to hoard).

Hoping that in six months, we can change that to 15% gross.
by crinkles2
Sat Apr 04, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 3033

Re: Anyone used ultrasound whistle to mitigate dog barking?

Good luck figuring this one out. Since you already spoke to the owners and it sounds like they couldn't care less about your complaint, you're pretty much on your own. You can always one up them (or go down one further?) by blasting annoying music or put a lawnmower over by the fence and let it run...
by crinkles2
Fri Apr 03, 2020 3:20 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 9086

Re: Did you move for better weather? Did you regret it?

We are moving away from a subtropical climate to a Köppen Cfb climate. The weather is so brutal here we need aircon cooling for 24 hours 6 months of the year just to get some sleep. 100-120 F can stretch for weeks and months and it never cools down overnight. It's actually dangerous outside in summe...
by crinkles2
Wed Mar 25, 2020 4:04 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1071
Views: 64855

Re: What are you listening to now

ChilledCow's favourites on Spotify.
by crinkles2
Thu Jan 09, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: How to organize your photos
Replies: 39
Views: 3337

Re: How to organize your photos

I use google photos, as does my partner. [...] My wife's photos get incorporated into my accounts and vice-versa, by using certain sharing settings. [...] I'm assuming that your partner and your wife are the same person ... else I see major problems!! ;-) Yes of course... I find "my wife"...