Search found 539 matches

by Calygos
Sat Oct 13, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

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by Calygos
Sat Oct 13, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Re: Get rid of my Roth IRA?

DELETE
by Calygos
Sat Oct 13, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Get rid of my Roth IRA?
Replies: 30
Views: 1874

Get rid of my Roth IRA?

DELETE
by Calygos
Thu Oct 11, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7500

Re: What did you buy today

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by Calygos
Thu Oct 11, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: DELETE
Replies: 0
Views: 185

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DELETE
by Calygos
Tue Oct 09, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6800

Re: Got my new Iphone Xs

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by Calygos
Thu Oct 04, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 116
Views: 13503

Re: Non-fiction bucket list

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by Calygos
Wed Oct 03, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Be Prepared For Losses
Replies: 100
Views: 12070

Re: Larry Swedroe: Be Prepared For Losses

...I ALSO believe one should ALWAYS assume the market could drop 50% starting tomorrow and stay down for 5 years. Because it could. This dren (the reality, not your assessment) is why I freaking hate our entire economic system of having become so dependent on the effective gambling our futures on t...
by Calygos
Wed Oct 03, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16499

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

I just edited in a link to the REI Winter trip right as you posted (they list the needed and provided gear). They say it's only a 3 out of 5 for strenuousness and little experience is needed, but I'd really want to be fully prepared and have to earn it. I am not sure why would you go with REI? I we...
by Calygos
Tue Oct 02, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16499

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Iceland. From the moment I arrived in the airport, I felt like I was "home" in some kind of elemental way. Something to do with the cloud cover, the landscape that was both immense yet tangibly close, and the lack of development. Like returning to some primeval place. It's Iceland for me as well. I...
by Calygos
Tue Oct 02, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16499

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Iceland. From the moment I arrived in the airport, I felt like I was "home" in some kind of elemental way. Something to do with the cloud cover, the landscape that was both immense yet tangibly close, and the lack of development. Like returning to some primeval place. It's Iceland for me as well. I...
by Calygos
Tue Oct 02, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16499

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Iceland. From the moment I arrived in the airport, I felt like I was "home" in some kind of elemental way. Something to do with the cloud cover, the landscape that was both immense yet tangibly close, and the lack of development. Like returning to some primeval place. It's Iceland for me as well. I...
by Calygos
Mon Oct 01, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2924
Views: 576055

Re: What's Your Credit Card Rewards Strategy?

This is 2 months old but this sentiment is growing. https://www.denverpost.com/2018/07/30/credit-card-backlash-mounts-as-kroger-weighs-expanding-visa-ban/ Are there more recent articles on this? The latest articles I can find were written in the first week of August. Sept. 25, 2018 https://www.wsj....
by Calygos
Mon Oct 01, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 31
Views: 1946

Re: Do you like technical conferences?

I've been in IT for 21 years and gone to very few conferences. I've never gotten much value out of them so I tend to avoid them, even when given the opportunity to go on my emplyer's dime. The technical sessions tend to be interesting to listen to but without any real depth to take away back to work...
by Calygos
Mon Oct 01, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3260

Re: New Apartment, city noise

We live 3 blocks from a fire station, and the street 50 yards to the south is a primary path to a Level 1 trauma center two miles away. We hear sirens in the distance all the time, but it's reassuring in a way to hear emergency vehicles in the distance. God, the sirens around here. And motorcycles....
by Calygos
Mon Oct 01, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10739

Re: Anyone want to share their monthly budget? Here's ours

I'm open to thoughts on mine. I just recently did some category reorg in YNAB Classic (not having that nYNAB dren) resulting in 3 master categories: Monthly includes monthly bills and expenses, yearly bills and predicted expense totals divided by 12 (i.e. the envelope method), and my monthly transfe...
by Calygos
Mon Oct 01, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3260

Re: New Apartment, city noise

So, I'm day two in an apartment in a small city. It's an apartment complex in a nice, up scale shopping center. Previously, I lived in the country in a home. The apartment is outstanding, location is fantastic. But, I work from home once a week and still getting used to some of the city noises. Hor...
by Calygos
Sat Sep 29, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4431

Re: Experience With No Car? (Uber/Lyft)

I'm about to get a car after living without one for a year. (Previously I also had lived two years without a car when first moved to my house.) It's actually been great staying in shape by biking and combining that with transit if I need to go across the city. I've also used Uber and Lyft. I would ...
by Calygos
Fri Sep 28, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4431

Re: Experience With No Car? (Uber/Lyft)

I'm about to get a car after living without one for a year. (Previously I also had lived two years without a car when first moved to my house.) It's actually been great staying in shape by biking and combining that with transit if I need to go across the city. I've also used Uber and Lyft. I would ...
by Calygos
Thu Sep 27, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 237
Views: 23869

Re: What is your overall portfolio weighted expense ratio

Down to four basis points now. I won't bother to specify tenths of a basis point, that is, 1/1,000 of one percent. PJW One one-hundreth of a basis point has sometimes been referred to as a "Bogle Unit". :D So using this! "My portfolio ER is 583 Bogles, or just a little under 0.6 kiloBogles (kB)."
by Calygos
Thu Sep 27, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 237
Views: 23869

Re: What is your overall portfolio weighted expense ratio

Just rolled over my previous 401(k) to my tIRA due to a job change, liquidating my Growth Index fund holdings (VIGAX, 0.05% ER) and buying a bunch more International (VTIAX, ER 0.11%), so my overall ER is up a bit now to 0.0583%. Thank goodness for having lots of VTSAX and VBTLX (0.04 and 0.05)!
by Calygos
Sun Sep 23, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8677

Re: Minimalist Lifestyle

I don't understand the downsize/minimize trend. It seems to go against our innate survival instincts. So, no, it's not for me. Same can be said for losing weight, our bodies want to hold on to excess energy for times when food is scarce. Food is no longer scarce for many, like most on this board, I...
by Calygos
Fri Sep 21, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 4033

Re: Quicken - Do you use it?

Hope no one minds the thread necro (Mods, tell me if so I and I can start a new one), but I'm considering switching from YNAB Classic to a Quicken (for Windows) subscription (especially with my new job and since I'm in the process of rolling over the liquidated funds of my old 401k to my tIRA and st...
by Calygos
Fri Sep 21, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Attorney Says Putting tIRA in a Revocable Trust is "Complicated" - True?
Replies: 45
Views: 3257

Re: Estate Planning Attorney Says Putting tIRA in a Revocable Trust is "Complicated" - True?

I'm working with an Estate Attorney now, awaiting the final Will and Trust papers to officially sign, but I just looked at some of the paperwork so far and in a Trust Summary document it says Generally retirement plans and life insurance policies will not be owned by your trust, however, it is not u...
by Calygos
Fri Sep 21, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I live right above a good grocery store, and I follow a carnivore way of eating (i.e. nothing plant-based, pretty much just steak and eggs, mostly steak), so my grocery needs are simple and it's quick and easy to get there and back. Picked up 10 lbs of steak in about 10 minutes this morning! :) It'...
by Calygos
Fri Sep 21, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

If you are even remotely considering going carless, the correct decision is to immediately get rid of the car. You can easily pick up another one if you change your mind... which you won't. I sold my car by private sale. I listed it through my works classifieds. You will find there are so many bene...
by Calygos
Fri Sep 21, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

There are many car rental locations in Bellevue. A weekend rental will cost $60-100. My brother doesn't have a car and rents out his parking space. That covers the many weekend trips he takes with a rental in Chicago. He's a 1%er income person, so I'm guessing its the simplicity of car free life wh...
by Calygos
Fri Sep 21, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

Let me get this straight...you live in Washington state...and you are not using weekends to get to the parks, the beaches, the outdoors? You even have the right car for it. That was the intent in buying this car. I even did go for a few hikes in the months after I bought it, mainly through the Moun...
by Calygos
Fri Sep 21, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I'd wait six months and sell it in the spring if you find it's working out for you not to have a car. You could suspend all but comprehensive insurance coverage while it's parked but I'm not sure about doing that when it's not your own garage. Ask your insurance company about that. I told my insura...
by Calygos
Fri Sep 21, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

The car is due for a major routine $500-ish service in November (service is every 6 months) so everything including the battery will be checked, I'll definitely keep that point in mind. $500 for routine the routine service for a three year old car sounds very excessive. If you are just taking it to...
by Calygos
Fri Sep 21, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I'd wait six months and sell it in the spring if you find it's working out for you not to have a car. You could suspend all but comprehensive insurance coverage while it's parked but I'm not sure about doing that when it's not your own garage. Ask your insurance company about that. I told my insura...
by Calygos
Fri Sep 21, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I sold my last car nearly 20 years ago and haven't looked back. Life without a car is just better. (Predicated on having access to good public transportation or short-term rentals when needed). My sister and her husband sold their cars a couple of years ago when they moved from Atlanta to downtown ...
by Calygos
Fri Sep 21, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

It's a 2015 Subaru Forester 2.5i Limited, bought new in May 2015, with maybe ~25k miles. By my calculations, over a year right now it'll continue to cost $300 to $400 per month when factoring in monthly and annual expenses related to maintaining it. The car is due for a major routine $500-ish servi...
by Calygos
Fri Sep 21, 2018 6:37 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

The car is due for a major routine $500-ish service in November (service is every 6 months) so everything including the battery will be checked, I'll definitely keep that point in mind. $500 for routine the routine service for a three year old car sounds very excessive. If you are just taking it to...
by Calygos
Fri Sep 21, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I recently got a new job in downtown Bellevue, WA and moved here (about a 15 minute drive from where I was) so that I would be in easy walking distance of work as well as being a very easily walkable area in general. I live in an apartment building that is incredibly conveniently located to most ev...
by Calygos
Thu Sep 20, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I agree that you should "try out" your new job and location for at least 2 or 3 months before you decide to sell the car. That being said another thing to consider is whether the absence of a car would allow you to rent out your parking space to someone else. If landlord doesn't allow renting of pa...
by Calygos
Thu Sep 20, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Thinking of selling my car
Replies: 36
Views: 1681

Re: Thinking of selling my car

I would be concerned about how being without a car will be in bad weather and when it is dark at 4:30 in the afternoon. (I used to live in the Northwest.) It would also be good to wait a few months to make sure that the new job is working out really well. It sounds like not having a car would make ...