Search found 123 matches

by winterfan
Tue Jul 16, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: For the ladies - menstrual products
Replies: 20
Views: 2416

Re: For the ladies - menstrual products

I was thinking about switching from tampons to the diva cup (or similar), but I've entered periomenopause, so I'm not sure how much longer I have. My concerns with that was using it in public places without access to a sink, but maybe that's an non-issue. People seem to rave about them though. They ...
by winterfan
Tue Jul 16, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6052

Re: College cost prediction and savings for 5, 3, and newborn

Everyone keeps predicting that online will revolutionize college, and yet it hasn’t. I got my MBA 20 years ago. Many of the classes were available online. I took one or two (hated it). Here we are 20 years later and while it’s more prevalent, it has certainly not revolutionized education. I’m not s...
by winterfan
Fri Jul 12, 2019 12:10 pm
Forum: Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 189
Views: 40697

Re: $13 Million Goal for Early Retirement (am I crazy?)

I just read this thread from the beginning. I"m impressed with your progress and your young start. When I started working 25+ years ago, I had the foresight to start investing in a 401K plan, but when I switched jobs, I took my 401K money and instead of putting it in an IRA, I went on vacation! :oop...
by winterfan
Wed Jun 26, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8855

Re: Dave Ramsey says to give up employer 401K match to pay down debt

Stinky wrote:
Wed Jun 26, 2019 10:46 am
By directing funds temporarily to paying down debt rather than 401(k), Ramsey tries to get folks excited about their financial future.
I agree. I would think it would be hard for people mired in debt and hopeless about the future to be excited about a payoff in 30 years.
by winterfan
Sun Jun 23, 2019 8:10 am
Forum: Personal Finance (Not Investing)
Topic: For those who tip valet and/or dog kennel
Replies: 11
Views: 1410

Re: For those who tip valet and/or dog kennel

maybe i'd consider the kennel if the per day cost weren't more than my mortgage principal. LOL. On our last vacation, we paid about the same price for our pet to be boarded as we did for our child to stay/eat at a resort. Edited to add that I have never heard of tipping a kennel. The valet gets $5,...
by winterfan
Tue Jun 18, 2019 2:01 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 43145

Re: How Bad was 2008, really?

I just read this whole thread. I vividly remember the turmoil of those days. We were in an OK position as we were a double income family and could live on one income. I knew quite a few professional people out of work and could not find anything. Not even a minimum wage job. It was horrible. My husb...
by winterfan
Wed Jun 05, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Yet Another Housing Thread (Gut Check)
Replies: 28
Views: 2185

Re: Yet Another Housing Thread (Gut Check)

Don't buy a house together (meaning both on the mortgage) with a girlfriend- no exception. If you want to buy a house on your income, you sign the mortgage and then have a girlfriend roommate? Ok, but if you break up you own a house. I completely agree. I've never seen a situation where this works ...
by winterfan
Sun Jun 02, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 15566

Re: Can we afford to pay for our kid's college (at all)?

One option you may want to explore is a gap year in which your son is a foreign exchange student. I knew a couple kids who did this and they were a lot more mature when they went to college. I'm not sure if these programs are as popular as they used to be though.
by winterfan
Wed May 22, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 80
Views: 7505

Re: Financial Movies and Shows

I liked Panic: The Untold Story of the 2008 Financial Crisis. There were a lot of interviews (Paulson, Bernanke, Geitner, Bush, Obama, etc.) and it was really well done.
by winterfan
Tue May 21, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 14041

Re: Should I encourage my kids to work in high school/college?

I got my first job when I was 15. In high school I worked 20-25 hours a week. I had no trouble with academics or participation in extra curriculars, since most of my hours fell on the weekends. In college, I worked 25-30 hours a week. It also did not hurt my studies. I found the more I worked, the m...
by winterfan
Mon May 20, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2721

Re: When to buy a vacation home

I would love to have a lake cabin about two hours away. We rent one for a week every summer, but I would like a place we can just pop into on the weekends in the summer/fall and be able to bring pets. I wish we had bought one years ago. They seem to be a lot more expensive now than they were a decad...
by winterfan
Sat May 04, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 79
Views: 6700

Re: College/life prep for young kids

When my DD was born, I started a 529 plan and funded it heavily at the onset. It seemed silly at first because she was only 3 days old and college was so far away. Well, now DD is going on 11, college will be starting in about 8 years. I thought things would change a lot with the education system to...
by winterfan
Fri May 03, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Cost of summer camp
Replies: 9
Views: 1418

Re: Cost of summer camp

That sounds about right. Overnight camps here in the upper midwest run from 500-700 a week (depending on the type of camp).
by winterfan
Wed May 01, 2019 10:43 am
Forum: Personal Investments
Topic: Ultimate No-Brainer Portfolio
Replies: 14
Views: 1823

Re: Ultimate No-Brainer Portfolio

These are what my portfolio looks like, except I'm 50% total stock, 30% total bond and 20% international. I'm in my upper 40s.
by winterfan
Sun Apr 28, 2019 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course with our plan
Replies: 19
Views: 2415

Re: Staying the course with our plan

Congratulations! That's some awesome progress!
by winterfan
Sun Apr 28, 2019 6:58 am
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8911

Re: What are the cons of always being a one parent working household?

One downside to consider is that the stay at home parent will probably end up doing more household chores than they are used to. I've been a working parent and a SAH parent. Both are busy and both have their perks/disadvantages. I think you have plenty of money to do this if you want.
by winterfan
Fri Apr 26, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3337

Re: Why would Ortho push for Invisalign? (non-medical question)

One detail to ask about the Invisalign. If you have a tooth that needs rotated, they glue a block onto the front of your tooth. There is a square hole in the invisalign that block fits in to so it can rotate the tooth. That block was on one of my front upper teeth. It looks kind of funny. Not so ba...
by winterfan
Fri Apr 26, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3337

Re: Why would Ortho push for Invisalign? (non-medical question)

I've had both braces and Invisalign. I don't think it matters to the ortho. They still have to make sure your teeth are progressing like they expect. With Invisalign, I had to have several adjustments to keep my teeth on track. That couldn't be done by mail. People like it, but I'll say if I had to...
by winterfan
Thu Apr 25, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3337

Re: Why would Ortho push for Invisalign? (non-medical question)

I've had both braces and Invisalign. I don't think it matters to the ortho. They still have to make sure your teeth are progressing like they expect. With Invisalign, I had to have several adjustments to keep my teeth on track. That couldn't be done by mail. People like it, but I'll say if I had to ...
by winterfan
Mon Apr 22, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Delayed gratification.
Replies: 55
Views: 6230

Re: Delayed gratification.

Good choice on paying off debt first! I don't think you will regret it. I finally bought my dream vehicle a couple of years ago at age 45. I don't regret my basic first car and then the necessary "mom" vehicle after that. I'll just say that it is just as much fun to drive (and still is) as it would ...
by winterfan
Mon Jan 07, 2019 9:48 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 24298

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Have you done the math to see how the tax changes will affect your income? For instance, you should get an extra $2K in Child Tax Credits this year when you file. I do think there are a few cuts to be made. I completely agree with the Momvesting's excellent post made a couple pages back. There is a ...
by winterfan
Tue Oct 02, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 6267

Re: Root of Good's cost of raising a child: $3,300 per year

I enjoy his blog specifically because he has children. I think it's good to show young people that retiring early and having children are not mutually exclusive. It seems to me that they are giving their kids a lot of good experiences.
by winterfan
Wed Sep 05, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 196
Views: 38870

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

I don't understand how having a mortgage changes things. You'd still be unsure how much your current home would sell for if you still had a mortgage. Are you saying you'd have extra cash (borrowed equity) to buy the new home first? I've seen contingent sales as a way to bridge the gap. FWIW, I've b...
by winterfan
Tue Sep 04, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 196
Views: 38870

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

When we moved from a paid-off home, we also found the new one before we were ready to sell the old one. I spoke to the loan officer at a local bank about a bridge loan. He suggested a "no cost mortgage" on either the new home or the old one. The no-cost feature cost 0.125% higher interest rate, but...
by winterfan
Tue Sep 04, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 5145

Re: How much do you spend on kids extracurriculars?

I would not *DARE* reveal on this site how much I spend on extracurricular activities for my kids (I have 3), because you would all think I was insane. If anyone out there has a competitive figure skater in the mix, you know what I'm saying! Thankfully, only one of the three skates. :) I can only i...
by winterfan
Tue Sep 04, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 196
Views: 38870

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

We paid off our mortgage years ago. While we are happy to be debt-free and hindsight is 20/20, I wish we hadn't. House prices have shot up around here. Our intention was to move to a different house someday and now we feel kind of trapped. We can't buy another house at current prices without selling...
by winterfan
Tue Sep 04, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 10071

Re: How to "waste" money on groceries?

Seafood for sure. Around here good fish goes for $15-25 a pound. I'm guilty of buying salad kits because I hate cleaning lettuce/greens. I also like olive bars and fancy cheese.
by winterfan
Tue Sep 04, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 19780

Re: How to Retire in Your 30's with $1 Million in the Bank

I wonder if the retired people in their 30 s are enabled by a woeking spouse, like the stay at home dads. It doesn t seem as though the term “retired” is appropriate if one person of a couple continues to work. At least in your30 s. Don t couples share everything? I agree. My husband works and I am...
by winterfan
Tue Sep 04, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 19780

Re: How to Retire in Your 30's with $1 Million in the Bank

When I was in my 20s, way back in the 90s, I read Your Money or Your Life. I loved it and really embraced the whole simple living thing and still do. I envy some of the salaries of these people in the NYT article. I averaged about $40K over my working career (started at 18K, peaked at 67K when I was...
by winterfan
Tue Sep 04, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 5145

Re: How much do you spend on kids extracurriculars?

For our 9 year old, we spend $130/mo for piano, $80/mo for swim lessons and $150/yr. for school sports. My child isn't particularly athletic, but she loves the social aspect of these activities. We also spend about $800 during the summer for various camps, including a sleep away camp. We also spent ...
by winterfan
Thu Aug 30, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3423

Re: Piano for a child

Our kid started piano lessons in kindergarten. She is kind of neutral on lessons, but we are making her stick with it for a while. We bought a used piano on CL. It's nice, but I wish we had bought a nice keyboard instead. That way she can play with it in her room.
by winterfan
Thu Aug 30, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 157
Views: 11088

Re: How do you save money on groceries?

I don't actually think your grocery expenses are all that bad! We are a family of three (plus one cat) and we spend around between 700-750. This does include all of our household items too (paper products, laundry and bath, pet, etc.). I think it's high. I'd prefer to spend around $600. I know what ...
by winterfan
Wed Aug 15, 2018 3:43 pm
Forum: Personal Investments
Topic: What to do with child's investment
Replies: 2
Views: 451

Re: What to do with child's investment

I never thought of a Roth for her. That's a good idea. I don't know if we should keep in in the market or not. It feels like market timing to take it out. 10-12 years out is still a long time. I kind of wanted to keep it in to show her the power of dividends, etc., but it would probably be dishearte...
by winterfan
Wed Aug 15, 2018 1:38 pm
Forum: Personal Investments
Topic: When do you change your IPS?
Replies: 8
Views: 966

Re: When do you change your IPS?

I have the same allocation. My husband has 50% bonds because he is closer to 60. I am in my mid-40s. My plan is to up my bond allocation slowly until I'm 50/50 at age 60. I will rebalance every year, but I might change the percentages slowly (say move to 40% bonds at age 50, 45% @ 55 and 50% @ 60).
by winterfan
Wed Aug 15, 2018 1:13 pm
Forum: Personal Investments
Topic: What to do with child's investment
Replies: 2
Views: 451

What to do with child's investment

Years ago, my child received 5K (was gifted directly to us, her parents) from a relative. The money was meant to be saved for when she was older and for something like a down payment for a house, to start a business or for college. We put the money in Vanguard's total stock index (in our taxable acc...
by winterfan
Thu Aug 02, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 5254

Re: Which diet soda pop do you enjoy?

Diet Pepsi first, then Coke Zero and Diet Dr. Pepper. I grew up on Tab, but I have trouble finding it here.
by winterfan
Mon Jul 16, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 8491

Re: Anyone not have a Budget?

We haven't had a budget in a while here. We put away savings first and spend the rest. However, we are looking to make a major purchase in the near-ish future, so I am going to start one again and see how much we can comfortably spend without cutting back too much.
by winterfan
Mon Jul 09, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 6529

Re: Girls and investing

I started teaching my girl about budgeting/saving when she was old enough to want stuff (age 5-6). I started teaching her about investing at age 8, but I don't think it has clicked yet. She has her own investment account and she sort of *gets* it, but I just don't think she as enough life experience...
by winterfan
Fri Jul 06, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13487

Re: What time do you get up in the morning?

Is anyone here the type of person who only needs 4 or 5 hours of sleep? I would crash on the second day of that, but I've heard of many CEOs, presidents/prime ministers, and military flag officers who seem to keep such a schedule. It seems impossible to compete with people like that, which I guess ...
by winterfan
Wed Jul 04, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: What to add to the baby registry?
Replies: 20
Views: 1547

Re: What to add to the baby registry?

I agree with getting a boppy pillow, it makes breastfeeding a lot easier. Not counting the must haves like a car seat, the only thing I would consider is a couple of those zip-up sleep sacks. You aren't supposed to have blankets in the crib these help keep the baby cozy in the winter.
by winterfan
Tue Jul 03, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 115
Views: 9257

Re: Any Boglehead powerlifters?

Yes! I have an Olympic setup in my basement (squat rack, bench, barbell, etc.). Years of crazy yo-yo dieting have pulverized my muscles. I love what it has done to my body composition so far. I lift three times a week, sometimes two if my schedule is crazy.
by winterfan
Wed Jun 20, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 10113

Re: gray hair

My husband's family doesn't get gray hair ever. There is a bit in any facial hair, but that's it. I'm 46, and have a few grays. I get my hair highlighted 5 times a year. Going to a stylist is the best thing I've done for my hair and confidence. It wasn't until I was 44 that I had a decent haircut. I...
by winterfan
Sat Jun 16, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 180
Views: 41398

Re: Bogleheads, tell me about your 40's?

I'm in my mid-40s. Life is pretty good. I haven't experienced any of the physical aches and pains people have described, although I'm sure they are on their way! Financially we are in good shape. We still have a young one in the house and I am most focused on enjoying the time we have left with her....
by winterfan
Thu Jun 14, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 4435

Re: Non-alcoholic drinks for wedding

Kitty Telltales wrote:
Thu Jun 14, 2018 10:13 am
A keg of birchbeer on tap. :sharebeer

Sparkling apple cider--this can even be done with apple juice and club soda-- quite popular in Germany

Infused water with cucumber/lime/raspberries
+1 Also check out the Lorina line of sparkling drinks. They come in pretty bottles and taste great!
by winterfan
Thu Jun 14, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 43
Views: 4977

Re: Paying off mortgage early

We paid off our mortgage pretty early with a chunk of cash we had on hand and I kind of regret it. The thing I regret most is now we would like to buy a different home. We live in a tight market and can't really sell our house and then buy a different house. We feel kind of stuck in our house. I do ...
by winterfan
Tue Jun 05, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: First time Segway tour question
Replies: 14
Views: 1214

Re: First time Segway tour question

I went on a city tour. Of our group, I had the most trouble adjusting to it, but once you get the hang of it, it's fun! I'd go for the longer tour. We went on a 2 hour tour and I could have gone for another hour easy.
by winterfan
Sun Jun 03, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 790
Views: 109329

Re: How much money do you want to retire?

Five years ago, I thought 1M with a paid off house would be OK. Now as my child ages, I'm not so sure. We are looking at continuing private education into HS, instead of stopping at middle school, assuming we stay in the same location. This is an additional $50K we will need to account for. I'm also...
by winterfan
Wed May 23, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Three steps forward, two back with saving
Replies: 26
Views: 3810

Re: Three steps forward, two back with saving

If you set up a separate car account and it really was untouchable, what would you do with another emergency? Would you use a credit card and pay it off slowly? I'm not a bucket person (except for my kid's college expenses, lol), but if you really didn't touch it and just dealt with whatever issues ...
by winterfan
Mon May 21, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 16650

Re: What big item (>20k) are you saving up for?

CascadiaSoonish wrote:
Tue Feb 13, 2018 11:47 am
Ducati, vacation cabin.
Same here! I've always wanted a little lake cabin. DH won't buy one unless he can take a motorcycle to get to it. LOL.
by winterfan
Tue May 15, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 11276

Re: Can a <median household save 1 year of expenses every year?

There are so many things I could learn from you winterfan, I don't know where to begin. 1) How did you get your cell phone bill so low? 2) Also, you're electric bill is low, but I found out I can actually shop for electric providers here in Central Texas. So, next year I can get my cost down. 3) On...