Search found 60 matches

by Dolphin1
Wed Oct 31, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3318

Re: USPS - Informed delivery - complain on missing items?

What’s your neighborhood ? (Trying to buy a home) this What I find informed delivery useful for is if I see something important is arriving, I make sure to collect my mail as soon as I can, to get to it before potential thieves can break into the box. Mail theft is extremely common in my area and s...
by Dolphin1
Wed Oct 31, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3318

Re: USPS - Informed delivery - complain on missing items?

What I find informed delivery useful for is if I see something important is arriving, I make sure to collect my mail as soon as I can, to get to it before potential thieves can break into the box. Mail theft is extremely common in my area and seems to be unstoppable. A locking mailbox is useful for...
by Dolphin1
Wed Oct 31, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3429

Re: Planning first international trip - London/Paris

We had our first trip to England last fall; we aren't experienced international travelers but did a lot of research ahead of time. We had 3 full days in London (by full day I mean waking up in our London hotel and going to sleep in our London hotel, so we have the entire day and evening there.) The ...
by Dolphin1
Wed Oct 31, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: USPS - Informed delivery - complain on missing items?
Replies: 53
Views: 3318

Re: USPS - Informed delivery - complain on missing items?

What I find informed delivery useful for is if I see something important is arriving, I make sure to collect my mail as soon as I can, to get to it before potential thieves can break into the box. Mail theft is extremely common in my area and seems to be unstoppable.
by Dolphin1
Sun Oct 21, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5223

Re: What to do with >$1000 in Amazon credits?

Many charitable organizations have Amazon wish lists. If you have one you plan to donate to, see if they have a wish list and get them stuff from there instead of a cash donation this year.
by Dolphin1
Sun Oct 21, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 36
Views: 4076

Re: Retire now or in the Spring. - changing work conditions

With 65x expenses saved, in addition to a pension, I would say quit now. Does one more year contribution to 401K & IRA really make any difference in your financial well being after retirement? I doubt it.
by Dolphin1
Mon Aug 20, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3849

Re: Retirees: Timing your withdrawals

I withdraw quarterly, taking out 3x my monthly budget from investments to checking account. The first withdraw of a new year I count the excess left in checking from the prior year and make a smaller withdraw for that quarter.
by Dolphin1
Sat Jun 16, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 4830

Re: Tracking spending before retirement useful for estimating retirement expenses?

I've been retired for about 3 years, and I found tracking my expenses pre-retirement for about 2 years very helpful to estimate my post-retirement needs. I tracked, then I used that to estimate changes post-retirement for things I knew would change such as a decrease in car expenses and an increase ...
by Dolphin1
Sun Mar 25, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Possible to receive my bonus?
Replies: 29
Views: 3881

Re: Help! Possible to receive my bonus?

(sorry for the repeat of the above, was typing while it got posted. Leaving it here in case it helps anyway.) Since it sounds like your management supports you getting the bonus, try this. If you have even 1 day of vacation time left, apply to use that vacation day on the day after bonuses are due,...
by Dolphin1
Sun Mar 25, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Possible to receive my bonus?
Replies: 29
Views: 3881

Re: Help! Possible to receive my bonus?

(sorry for the repeat of the above, was typing while it got posted. Leaving it here in case it helps anyway.) Since it sounds like your management supports you getting the bonus, try this. If you have even 1 day of vacation time left, apply to use that vacation day on the day after bonuses are due, ...
by Dolphin1
Wed Feb 28, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 9289

Re: Physical cash

I get around $200-300 when I go to the ATM and keep that in my wallet, it usually lasts 3+ months because I don't spend cash on most things. It comes in handy when paying tips, splitting the bill at a restaurant, farmers markets, and we still have a few shops that only take cash.
by Dolphin1
Tue Feb 20, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: New Seattle travel suggestions request
Replies: 10
Views: 969

Re: New Seattle travel suggestions request

We did a long weekend in Seattle focused on the downtown area. We found it super easy and affordable to take the train (light rail?) from the airport to downtown, and downtown was very walk-able but also has a very nice bus system. Never once did we wish we had a car.
by Dolphin1
Sun Feb 18, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take you to get an official offer after clearing the interview process? Any delays?
Replies: 13
Views: 1001

Re: How long did it take you to get an official offer after clearing the interview process? Any delays?

I've been in situations where the company claimed I would be getting an offer, but there were delays (never as long as yours as I've never been willing to wait that long.) However I've noticed that once I re-contact them and say I have another offer and I need to give a response, the slow companies ...
by Dolphin1
Sun Feb 11, 2018 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7844

Re: Live / work in California - Technology Career

I've lived in a commute city to Silicon Valley for 30 years. As everyone has said, housing costs will be your greatest shock for this area. But not sure if anyone mentioned, another huge problem is the lack of availability in housing. There can be 20-30 people applying for one rental unit. A place f...
by Dolphin1
Mon Jan 23, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 4001

Re: Do you check your credit reports annually?

One every 4 months. The most serious error I found was it had my mortgage on there twice - once with the bank that had gone out of business (listed as active, still owed) and again with the bank that took over my loan. So essentially it showed me owing twice what I actually owed. It wasn't difficult...
by Dolphin1
Tue Jan 17, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 87
Views: 7593

Re: Volunteering Ideas

I volunteer at our local library - it's very flexible, I can go in any time they're open, for as short or long a time as I'd like to.
by Dolphin1
Sat Sep 03, 2016 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 12645

Re: Early retirees, at what age did you "retire"? Is it working out?

a follow up question what calculations did you do in order to insure you could (if needed) increase your annual expense budget by 3% a year? thank you I used whatever FIRE calculators I ran across, and most or all of them allowed me to put in a number for inflation of my expenses. I also played wit...
by Dolphin1
Sun Jul 24, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 12645

Re: Early retirees, at what age did you "retire"? Is it working out?

(Sorry this is so long, trying to answer all of JLMA's questions) I retired early at 47, last year. I live in a HCOL area but have no kids. I was able to do this because I have never liked spending money, and I made a decent salary starting 1 week after I finished college, up until the time I retire...
by Dolphin1
Sat Jul 23, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 12645

Re: Early retirees, at what age did you "retire"? Is it working out?

I retired early at 47, last year. I live in a HCOL area but have no kids. I was able to do this because I have never liked spending money, and I made a decent salary starting 1 week after I finished college, up until the time I retired. So, mostly luck that I happen to not like to spend money and a ...
by Dolphin1
Mon May 09, 2016 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: 403b rollover question
Replies: 4
Views: 545

Re: 403b rollover question

Thanks for the quick reply! It sounds very much like the process I've used several times to rollover 401Ks into IRAs. However what I'm wondering is whether there is any benefit of leaving it in a 403b that she will be giving up by rolling it over? I want her to be able to weight out any pros and con...
by Dolphin1
Mon May 09, 2016 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: 403b rollover question
Replies: 4
Views: 545

403b rollover question

A family member has a 403b. She's 76 years old and taking the RMDs, but doesn't need them for her expenses - she has a pension that fully covers expenses. She's not happy with the management company of the 403b (not sure who it is), so I mentioned the possibility of rolling it over into an IRA and s...
by Dolphin1
Sat Jan 23, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 14852

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

I use H&R Block Deluxe+State. Last year I did my taxes with the H&R Block installed SW, as usual. Then for fun (?), I also did it (Fed only) with a free online version of TurboTax, partly because my mother-in-law insisted that TurboTax "always gives a better refund". The numbers came out identical, ...
by Dolphin1
Sun Jan 17, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Use Local Dealer for New Vehicle Purchase?
Replies: 21
Views: 2202

Re: Use Local Dealer for New Vehicle Purchase?

I haven't noticed any different treatment getting service and warranty work done at the dealership when I've purchased the car from them versus when I've purchased the car from a different dealership. However, if you're more comfortable purchasing locally, with my last car (Toyota) I got the price I...
by Dolphin1
Fri Sep 11, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Will new spouse be responsible for existing credit card debt?
Replies: 6
Views: 1203

Re: Will new spouse be responsible for existing credit card debt?

Thank you for all the helpful info, exactly what I was looking for. Bogleheads are awesome!
by Dolphin1
Fri Sep 11, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Will new spouse be responsible for existing credit card debt?
Replies: 6
Views: 1203

Will new spouse be responsible for existing credit card debt?

My sister, unfortunately, has excessive credit card debt (I think between 15K-20K). She's on permanent disability through social security, and will not be able to pay back this debt. She hasn't used her credit cards in several years and has no plans to use them or get new ones, but also can't/has no...
by Dolphin1
Thu Jun 25, 2015 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Couples and money and compatibility
Replies: 38
Views: 6997

Re: Couples and money and compatibility

Our views on money are somewhere between category 2 and category 3, however the assumption that there are regular disagreements is false. We are an unmarried couple (together 25+ years) and have always kept our income and savings separate, and each contributed half to all shared expenses, including ...
by Dolphin1
Thu Jun 25, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 43181

Re: What ratio are you stocks/bonds and how old are you?

Age 47, around 67% stock, 30 % bond, 3% cash.
by Dolphin1
Fri Jun 05, 2015 3:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 256
Views: 54722

Re: Roll Call for the Retirement Class of 2015!

Thanks Victoria, for moving me to the Graduated side of the line, I'm very happy this afternoon!
by Dolphin1
Thu Jun 04, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Big Decision to Make
Replies: 58
Views: 11641

Re: Big Decision to Make

To answer your question, whether I would have done this at age 32: No. I like to live my life with two things in mind: my life could any at any time; my life could go on until old age. So I try to make sure I'm as happy as possible with my current situation in life, while also not over-indulging to ...
by Dolphin1
Mon Jun 01, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Kayak Recommendations
Replies: 14
Views: 15671

Re: Kayak Recommendations

When I was shopping for a kayak, I tested out various rentals to see what I liked best. Many shops seem to let you apply the rental fees towards a purchase within a certain timeframe. I ended up with a 12' sit-on-top, the Ocean Kayak Caper. I've never been in river rapids/white water, but I have don...
by Dolphin1
Fri May 29, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving a Company
Replies: 44
Views: 5985

Re: Leaving a Company

I think it may vary by country and state, but I work in California/Silicon Valley, and 2 weeks is very standard. If you don't want to use your 12 extra days working, you need to hold your own and tell them you are firm on your ending date. Companies (should) know that any employee can leave at any t...
by Dolphin1
Thu May 21, 2015 1:24 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 9372

Re: Put money down on new car, dealer wants color change

We had this happen too. You can request the earnest money back at any time, at least that was the case with our local dealer. Our dealer didn't give us any trouble getting the earnest money back, since he knew he was unable to provide what we had agreed upon. We eventually found the same vehicle in ...
by Dolphin1
Mon May 18, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 113
Views: 18042

Re: Selling home - unexpected competition

I would do whatever the agent recommends - their commission is a percentage of the selling price, so they are trying to get you the highest price, and they are most likely more experienced at this than you are.
by Dolphin1
Mon May 18, 2015 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand the implications of "convert to common stock"
Replies: 5
Views: 947

Re: Help me understand the implications of "convert to common stock"

I found this in one document about the plan: "The Employee Stock Ownership Plan allows participants to purchase shares of (company name) common stock (“Stock”) ....." And this in the very detailed plan document: "The purpose of the Plan is to provide a method by which eligible employees may purchase...
by Dolphin1
Mon May 18, 2015 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand the implications of "convert to common stock"
Replies: 5
Views: 947

Re: Help me understand the implications of "convert to common stock"

I'm not sure how to find out what type of shares they are, it doesn't say on the Computershare website, and all they told me was that they are "employee shares" and can be converted to "common shares" whenever I want, at no charge, and that it would be the same number of "common shares" as I have no...
by Dolphin1
Mon May 18, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand the implications of "convert to common stock"
Replies: 5
Views: 947

Help me understand the implications of "convert to common stock"

I posted a more complicated question earlier, but no responses, so I'm going to ask a, hopefully, simpler question that was part of the larger issue. I have some stock from an employee stock purchase plan at Computershare. I called them this morning and was told in order to transfer these to Vanguar...
by Dolphin1
Mon May 18, 2015 11:23 am
Forum: Investing - Help with Personal Investments
Topic: ESPP shares at Computershare, want to move to Vanguard
Replies: 0
Views: 2663

ESPP shares at Computershare, want to move to Vanguard

I have ESPP plan shares at ComputerShare as follows and I want to sell those that fall into the long term gain category, and have the rest sit in my Vanguard account, not Computershare. I have the following at Computershare: 423b Qualified Shares: 125.043459 423b Subject to Disqualification: 197.603...
by Dolphin1
Tue May 12, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: Questions on securing house during vacation
Replies: 11
Views: 1422

Re: Questions on securing house during vacation

Stop your mail and package delivery, so no one sees it piling up.
Park a car where you normally park when you're at home.
Set lights and tv/radio on timers so it looks and sounds like someone is home.
by Dolphin1
Tue May 12, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase home without permits?
Replies: 70
Views: 7897

Re: Should we purchase home without permits?

We purchased a home that has 2 buildings on the property without permits, and now I regret it. The reason is, I live in fear of needing permitted work on the home itself, and having the permit inspector notice the other buildings and red tag them for not having permits.
by Dolphin1
Thu Apr 23, 2015 12:26 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 7092

Re: Age in Bonds Poll

I think age in bonds might be a good rule of thumb for people who don't enjoy investing and want an easy predetermined bond allocation to go by. For myself, I like thinking about investments so when determining my bond allocation, I don't consider my age, but instead consider how short/long term the...
by Dolphin1
Mon Apr 20, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 10781

Re: Single best piece of personal finance advice ever receiv

The biggest thing I got out of "Your Money or Your Life", which was the first personal finance book I read, is to think about the cost before I spend money on something...is it worth however much time of my life it would take me to earn that amount?
by Dolphin1
Wed Apr 15, 2015 10:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 99
Views: 31844

Re: San Jose, CA Area Bogleheads Chapter

I'm not going to be able to make it to this but will try to next time.
by Dolphin1
Wed Apr 15, 2015 6:28 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 6674

Re: How much should a small tile floor (3' X 5') cost? $2000

I would recommend getting 2 more quotes, if possible. Then you can see if this one is within reasonable range. Make sure the quotes are including the same things as each other.
by Dolphin1
Tue Apr 14, 2015 11:11 pm
Forum: Investing - Theory, News & General
Topic: Combing Vanguard funds to purchase individual stocks
Replies: 18
Views: 1380

Re: Combing Vanguard funds to purchase individual stocks

I haven't found anything at Vanguard happens quickly, usually a few business days. However I'm pretty sure I've read you should not "buy the dividend", but rather it's more prudent to buy the stock at the lower price immediately after the dividend is paid and the price drops accordingly.
by Dolphin1
Tue Apr 14, 2015 10:42 pm
Forum: Investing - Theory, News & General
Topic: Combing Vanguard funds to purchase individual stocks
Replies: 18
Views: 1380

Re: Combing Vanguard funds to purchase individual stocks

Not that I would particularly recommend trading index funds for individual stocks, but to answer your question I think you can open a money market fund in one of the broker accounts. Then exchange the various index funds you have into that one money market fund. Use that to make your stock purchase ...
by Dolphin1
Mon Apr 13, 2015 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help in this tragic time(unexpected windfall)
Replies: 20
Views: 2732

Re: Help in this tragic time(unexpected windfall)

Double check on the medicare. I have a family member who was declared disabled and there was a 2 year waiting period after the SSDI (social security disability) payments started before she was covered under medicare.
by Dolphin1
Mon Apr 13, 2015 11:07 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 256
Views: 54722

Re: Roll Call for the Retirement Class of 2015!

Add me to the list! Aiming for sometime between May 29-June 5.
by Dolphin1
Fri Apr 10, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 7918

Re: On a budget and Friday night

We like to cook, play board games, do crafts. We have also a couple times had a "camp out" in the yard!
by Dolphin1
Thu Apr 09, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 25328

Re: Should I buy extended warranty for our new Toyota Sienna

Another thing to consider, I purchased a new Toyota a couple years ago. I was debating whether to purchase the extended warranty, but after doing the 5K/10K/15K services at two different local Toyota dealers, I discovered there were no dealerships in my area that had acceptable service departments. ...