Search found 202 matches

by winterfan
Mon May 25, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 82
Views: 5203

Re: If Jeep has such poor reliability, how come they are everywhere?

I bought a new four door Wrangler back in 2015. My only regret is that I didn’t buy one years ago (I’m 53 now). Why? They’re fun and simple — yes, avg mpg is only around 15 and I sure wouldn’t want one if I had a long daily commute or for a long road trip. That said, it’s great in the northeast win...
by winterfan
Sat May 23, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 266
Views: 17383

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

Sorry to hear about your job loss. We are in a similar position. However, we still have a kid in elementary school. If my kids were older (preferably done with college), I'd hang it up. It seems like you are fine financially.
by winterfan
Thu May 21, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Furniture for an infant in the living room
Replies: 28
Views: 1199

Re: Furniture for an infant in the living room

Babywearing? Seriously, most of ours were very vocal about being put down somewhere alone during 0-6 months (especially 0-3 months), which led to my belief that tiny humans are designed to be very upset without another human's touch for periods of time. They were happy if in a boba wrap or ergo bab...
by winterfan
Sat May 16, 2020 6:53 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10354

Re: Please tell me I'm not crazy

My husband and I have been married for a couple decades and have never really had one. We sold funds in our taxable account if we needed money for anything. I don't think there is much difference between a 4 and 6 month emergency fund. I would go ahead and fund six months, especially if you are a si...
by winterfan
Fri May 15, 2020 7:56 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50413

Re: How Is Your Job Being Impacted By The Current Crisis?

Our household income was cut by 20% for the foreseeable future. The company DH where DH works has seen business slow down significantly.
by winterfan
Tue May 05, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Buying Home - How Near Parents?
Replies: 30
Views: 2994

Re: Buying Home - How Near Parents?

I’m 64 and my daughter and 4 children live a 5 minute walk away. It’s been amazing for all. She can drop the kids as needed...I can just visit and leave whenever I want without feeling like I need to stay since i drove for 40 minutes to get there. Of course this all depends on the family dynamics a...
by winterfan
Sat Apr 25, 2020 9:56 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 93
Views: 10604

Re: Dave Ramsey against index funds?

He invests in S&P500 Index funds when he has free money... they grow... and then he pulls the money out when he finds good real estate deals. DR just thinks/implies it's "easy" to find funds that regularly beat the S&P500 if you simply look at past performance over several decades (not like 3-5 yea...
by winterfan
Fri Apr 24, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Pandemic leading to cost savings?
Replies: 14
Views: 1327

Re: Pandemic leading to cost savings?

I've definitely saved on gas. I haven't filled up in over a month. I have a lot of pent up demand though. Our family needs summer clothing and shoes. I don't want to buy these items online.
by winterfan
Sat Apr 18, 2020 7:04 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13463

Re: How many paid for kids' college?

I’m planning to pay for tuition, books, room and board. They can get a job for drinking money and going out. I was a poor kid who was fortunate enough to go to a nice private school for college. I worked two jobs. There were some fun times when I lived off tap water and canned potatoes. I also dist...
by winterfan
Sat Apr 18, 2020 5:42 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5679

Re: Should I buy a new rice cooker from Zojirushi?

We've had the same rice cooker (Tiger) for 20 years and it's still going strong, but we usually eat jasmine. However, I've had a Zojirushi bread maker for close to 20 years too and I love it. It gets used often and is very high quality. I have nothing but good things to say about the brand.
by winterfan
Sat Apr 18, 2020 5:29 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

Started shopping at Aldi since it’s less crowded than the other options and the pickup options are usually 1+ week out at our usual store. Enjoying the quality of food and the lower prices. I would guess I’m saving at least $20 a week if not closer to $50. Interesting! I like shopping there, but I'...
by winterfan
Fri Apr 17, 2020 3:24 pm
Forum: Investing - Theory, News & General
Topic: Crisis Lessons (My list)
Replies: 50
Views: 4457

Re: Crisis Lessons (My list)

Here's one that many miss, though I have no idea why. Liquid funds are a great part of an emergency plan, but if you cannot buy what you need, which is often the case right now, the money doesn't help you. Have at least a 30 day supply of food, necessary household items (e.g. hygiene products), and...
by winterfan
Fri Apr 17, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

mak1277 wrote:
Fri Apr 17, 2020 8:54 am
We have completely ceased eating take-out and are making all of our meals at home. While, yes, this is frugal, I can't wait to start eating at restaurants again when all this is over.
+1. I especially miss going out to brunch with my family.
by winterfan
Fri Apr 17, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8227

Re: Frugal quarantine habits to keep

I've always had a home gym in the basement of our house. It has a barbell, free weights, squat rack (also can be used for bench presses) adjustable dumbbells, flat and incline benches and a treadmill. I don't use the treadmill much since we have a dog that needs a walk everyday. I don't like going t...
by winterfan
Thu Apr 16, 2020 6:13 am
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Re: Eating out after lock-down is lifted

Invite all your relatives (young and old) to a combined set down dinner and cocktail party. I call this a Roman or Italian feast because I go to one about once a year. I wish I could attend one of these parties! Sounds like so much fun. As for the restaurants, I can't wait to go back out to eat. I ...
by winterfan
Wed Apr 15, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13463

Re: How many paid for kids' college?

We both work in education and academia, so there was never a question for us about them going to college. We started saving as soon as they were born and got their SS numbers. It was a goal we set for ourselves as parents and we front end loaded their accounts at what turned out to be the right tim...
by winterfan
Wed Apr 15, 2020 7:14 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27134

Re: Report when you receive your stimulus check here

Got ours this morning.
by winterfan
Thu Apr 09, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17130

Re: What will you do first, once COVID pandemic is over?

1) Go to a restaurant
2) Visit family
3) Buy summer clothes/shoes for family

I thought I was an introvert, but maybe I am not as much as I thought I was- I sure do miss being out and about.
by winterfan
Wed Apr 08, 2020 7:30 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72251

Re: Bogleheads community discussion - Coronavirus

In my opinion, the risks of leaving your relative alone to fend for herself at age 94 outweigh the risks of infection, which are admittedly great. At least she would have some companionship, and someone would be there at least part of the time if she had an accident or experienced a fall. My elderl...
by winterfan
Sat Apr 04, 2020 8:35 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50413

Re: How Is Your Job Being Impacted By The Current Crisis?

A mechanic in the bay area for a government agency. The longer this goes on the more likely there will be layoffs. I was hired January of 2007 and survived the last one. Hours cut from 80 to 56 for the pay period. I have seniority so my job is secure unless they eliminate the entire department. Pol...
by winterfan
Fri Apr 03, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Should I withdraw my kids from summer camp?
Replies: 43
Views: 2795

Re: Should I withdraw my kids from summer camp?

We have not canceled any of our summer camps yet. I'm still in wait and see mode.
by winterfan
Wed Mar 25, 2020 11:13 am
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 207
Views: 17091

Re: Selling 100% stocks on a bounce

I love the chart posted. I remember all of these emotions vividly in the last recession. It seemed worse to me than this does, but maybe that's just experience talking.
by winterfan
Wed Mar 25, 2020 8:37 am
Forum: Personal Investments
Topic: Effect of COVID19 on Real Estate
Replies: 42
Views: 6064

Re: Effect of COVID19 on Real Estate

Real estate is local of course, but I always look at the current real estate listings in my neighborhood and city. We live in a MCOL city and the market has been quite strong for years, with low vacancy rates. I am really surprised to see many listings that just came on the market in the last week a...
by winterfan
Tue Mar 24, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15480

Re: So what are you cooking

It's still cold here, so our meals kind of reflect that. What we ate last few days (we try to keep family dinners kid friendly): Pot roast, potatoes, carrots Lasagna, salad Tacos, chopped veg salad Chicken broccoli stir fry, rice Cheeseburgers, fruit salad I also made an apple pie and a new to me de...
by winterfan
Tue Mar 24, 2020 9:06 am
Forum: Personal Investments
Topic: Thread: It’s your First recession (or not) and you’re staying the course
Replies: 65
Views: 3661

Re: Thread: It’s your First recession (or not) and you’re staying the course

This is my third recession, although the first one doesn't really count since I barely had anything invested. I am staying the course. My DH is still employed and we are purchasing stocks in his 401k. We've lost quite a bit, with a 65/35 portfolio. Haven't rebalanced yet, but we only do it once in t...
by winterfan
Mon Mar 23, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: What have you learned from this situation that you will take action on?
Replies: 158
Views: 14386

Re: What have you learned from this situation that you will take action on?

We had money in our taxable account that was only invested into the S&P index. I kind of wish we had taken a little off the table, but I didn't want to pay large cap gains, because we have to pay another large cap gain tax bill this quarter. DH is still employed, so for now, we will just stockpile a...
by winterfan
Mon Mar 23, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Why do some people have more tolerance for risk than others?
Replies: 32
Views: 1661

Re: Why do some people have more tolerance for risk than others?

I'm generally an optimist, sleep well and have never been a worrier. It's just my personality. I don't take stupid risks, but I generally feel that measured risks will be work out OK. This is how I feel about today's climate. I think things will be OK later on, so I'm not selling now. That said, I'm...
by winterfan
Sun Mar 22, 2020 1:50 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31204

Re: It's Not Different This Time

nedsaid wrote:
Sun Mar 22, 2020 10:56 am
I have done nothing.
I haven't either. Except I did peek at our investments yesterday after I said I wouldn't. Ouch! Oh well, nothing to do but stay the course. I am tempted to rebalance, but I only do it once a year, so I guess I'll wait on that too. Maybe I'll just bake some cookies.
by winterfan
Sun Mar 22, 2020 7:56 am
Forum: Investing - Theory, News & General
Topic: Ben Felix on market crashes
Replies: 41
Views: 2325

Re: Ben Felix on market crashes

Yes! Love this video. It's nice to see someone level headed.
by winterfan
Sat Mar 21, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Corona and the “barebones” budget
Replies: 45
Views: 5919

Re: Corona and the “barebones” budget

I think it's kind of fun to challenge myself to save money, usually by cooking at home, mending/making do rather than purchasing new, etc. I don't think it's much fun when one of the options is taken away, if that makes sense. However, we've ordered takeout from neighborhood restaurants three times ...
by winterfan
Sat Mar 21, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Are you in the mood to buy anything?
Replies: 62
Views: 5006

Re: Are you in the mood to buy anything?

We’re about halfway through a bathroom remodel. Ordered the lighting yesterday. Amazon for two of the fixtures, and the plumbing supply house for the 3rd. If the project doesn’t get shut down, we still have things like towel bars, paint and towels to buy. If rental property becomes reasonable, I’ll...
by winterfan
Fri Mar 20, 2020 10:37 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50413

Re: How Is Your Job Being Impacted By The Current Crisis?

Restaurants in this state are closed with the exception of take-out meals only. The small independent restaurants are struggling to survive. My plan is to get more take-out meals.... keeps me out of the grocery store... and helps to support the small independent restaurants. I hope my plan works. O...
by winterfan
Thu Mar 19, 2020 1:45 pm
Forum: Personal Investments
Topic: Unprepared for Potential Great Depression Part 2
Replies: 244
Views: 22811

Re: Unprepared for Potential Great Depression Part 2

I offer this in an attempt to add some perspective and lighten everyone's day.[/color] https://mashable.com/video/conan-o-brien-coronavirus-toilet-paper-life-hacks/ :D :D Hilarious! OP- I personally am sitting tight with where we are. We were 100% stocks until 2018 and then moved to about 65/35. I ...
by winterfan
Thu Mar 19, 2020 6:05 am
Forum: Investing - Theory, News & General
Topic: 2020 COVID Crash Lessons
Replies: 157
Views: 12754

Re: 2020 COVID Crash Lessons

another rule "don't be afraid of taking profits" and, as always, determine an allocation that you can keep and is within your risk tolerance I did some "tax gain harvesting" in November, and was at 42% equities (versus 45% per IPS).... I'm retired (with pension). {I was trimming some areas and want...
by winterfan
Wed Mar 18, 2020 12:27 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50413

Re: How Is Your Job Being Impacted By The Current Crisis?

DH's company has frozen hiring and OT is not allowed. He said their phones just stopped ringing, so no new business. I was going to work a PT job for a little while, but that has been canceled. It's just as well since school is out for the next few weeks.
by winterfan
Sun Mar 15, 2020 9:37 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Reacts to Stock Market Crash
Replies: 93
Views: 15087

Re: Dave Ramsey Reacts to Stock Market Crash

if you invest in Age based portfolios by time you need to pay for college is mostly in cash\bonds. I lost a lot in this crash but at least my 529 is safe, so I can continue to pay for my daughter college. My pet peeve with Dave's advice is that he tells callers to only invest 529 plans in stocks, n...
by winterfan
Fri Mar 13, 2020 10:34 am
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25878

Re: Who is staying course and how are you dealing with net worth going down?

We are staying the course. I haven't even checked the balances, but now I'm curious! We only rebalance once a year, and we are still months away from that. We're just sitting tight. If I had extra money, I'd buy a little more. I never have enough cash on hand to buy anything substantial. If you stay...
by winterfan
Thu Mar 12, 2020 8:16 am
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14066

Re: How many people with 7 figure portfolios are”rejoicing ?”

Not rejoicing. Not doing anything. Thinking about doing something, but doing nothing is doing something. This is when an allocation of 35/65 floats in the storm like Noah's Ark. Although, the animals are getting pretty upset from the turbulence. Don't just sit there. . . do nothing. j :happy Agree....
by winterfan
Wed Mar 11, 2020 5:50 pm
Forum: Investing - Theory, News & General
Topic: Subjective Feelings of Market Crashes and Bottoms
Replies: 24
Views: 1367

Re: Subjective Feelings of Market Crashes and Bottoms

I was only in my 20s during 2000. I remember it well, but I didn't have enough money in the market to be concerned. In 2008, I was very concerned. It really seemed awful. It seemed like every story was about long-term unemployment and housing foreclosures. My DH and I both had steady employment thou...
by winterfan
Wed Mar 11, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Home buyer and selling in current market has been a nightmare!
Replies: 21
Views: 3002

Re: Home buyer and selling in current market has been a nightmare!

We've wanted to move for a while, but it's tough. Our house is nice enough, but has some bothersome features. It's in a nice neighborhood though, so we've lived here for a while. If I find a place I like, it's gone quickly. I wouldn't risk selling before buying a new place because inventory is so lo...
by winterfan
Sat Mar 07, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128571

Re: Coronavirus (Consumer Issues) How you are preparing?

I went to Costco today. I was looking for the shelf stable milk, but they were out. I had to go with the dry powdered milk at the grocery store. I didn't check the toilet paper supply since we have plenty at home.
by winterfan
Fri Feb 28, 2020 7:58 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 491
Views: 41538

Re: The Calm Post - Stay the course thread.

I normally update our spreadsheet (investment balances, etc.) at the end of every month. I haven't checked our balances at all this week, but maybe I will today. Last week we were thinking we should cash out a little bit of our taxable account to pay down some of our HELOC. Not sure if we will do th...
by winterfan
Tue Feb 18, 2020 6:54 am
Forum: Investing - Theory, News & General
Topic: NY Times - "How Millennials Could Make the Fed’s Job Harder" FIRE mentioned 2/17/20
Replies: 64
Views: 6630

Re: NY Times - "How Millennials Could Make the Fed’s Job Harder" FIRE mentioned 2/17/20

Articles like this always strike me as being written by someone to whom "millenials" are perpetually the young upstarts in the workforce. It shouldn't be surprising that as people age their savings increase. The average millennial is into their 30s at this point, with 10+ years in the workforce. Pa...
by winterfan
Thu Feb 13, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Yet another 2 -> 1 income thread
Replies: 50
Views: 3888

Re: Yet another 2 -> 1 income thread

We had almost the exact situation years ago. We had a rainbow baby late in life too. My husband enjoyed his work, but I had a meh office job. I worked for several years after my baby was born, but I wasn't happy. I left almost a decade ago and never looked back. We did not have as much saved as you ...
by winterfan
Tue Feb 04, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: What is the best way to pay off large debt?
Replies: 16
Views: 1116

Re: What is the best way to pay off large debt?

Thanks everyone for your input. I think we will go with option 2 and just try to pay it down as fast as we can.
by winterfan
Tue Feb 04, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Options to help control spending
Replies: 17
Views: 938

Re: Options to help control spending

Envelope of cash money to last the week. When the envelope is empty and she needs to buy food.....too bad. Maybe she'll learn that she didn't actually need another "thing" that she felt she just had to have. Cash is great because I think it's really embarrassing to have to put groceries back at the...
by winterfan
Tue Feb 04, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: What is the best way to pay off large debt?
Replies: 16
Views: 1116

Re: What is the best way to pay off large debt?

1) Sounds like the best of all the options given the info you provided. 2) Perhaps this option would work in my mind if the rate of your debt wasn't 5.1% At this rate you basically said for these home repairs we don't want to pay 50k, we actually want to pay more over 3 years. 3) Just because you c...
by winterfan
Tue Feb 04, 2020 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What is the best way to pay off large debt?
Replies: 16
Views: 1116

Re: What is the best way to pay off large debt?

#2. I wouldn’t touch the Roth account. Some other suggestions: 1.Turn off reinvestment of dividends and capital gains in your Taxable account and use the ~$2k per year to pay off the HELOC. 2. Refinance the HELOC if possible to a lower rate mortgage loan for the shortest term possible, if you can f...
by winterfan
Tue Feb 04, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What is the best way to pay off large debt?
Replies: 16
Views: 1116

Re: What is the best way to pay off large debt?

AlohaJoe wrote:
Tue Feb 04, 2020 8:21 am
#2.

Using Roth or paying taxes just to avoid, what?, $5,000 in interest sounds crazy to me.
I think it would be close to a 7000 tax bill. That does seem a little nuts.
by winterfan
Tue Feb 04, 2020 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What is the best way to pay off large debt?
Replies: 16
Views: 1116

Re: What is the best way to pay off large debt?

If you sell from taxable, will that throw you into the NIIT zone? Or maybe you are already in the NIIT zone? That would increase your cap gains tax by 3.8%. If you sell from taxable, will that push you into IRMAA territory? Is either of you old enough (63) for IRMAA to be an issue? If you have near...