Search found 30 matches

by LearningtheRopes
Tue Mar 27, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 7632

Re: Vanguard "system issue" 3/27/18 [erroneous "not enough money in settlement fund" notice]

Same with me, including inaccuracy on home page but accurate on balances page. Was freaked out but some comfort that it seems to be a wide problem for them. Sent a secure message, tried calling three or four times, all times on hold and then call a dropped. Guessing they are inundated. [OT comment r...
by LearningtheRopes
Sat Feb 03, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 62
Views: 9991

Re: Stick out miserable job for health insurance in retirement?

Congratulations. :beer :beer :beer :sharebeer :sharebeer :sharebeer Thank you. There were many libations involved in getting to this point. It's..almost unbelievable. The benefit/achievement is huge, and it is, objectively, a major accomplishment. I'm hoping it will take the edge off of the normal ...
by LearningtheRopes
Sat Feb 03, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 62
Views: 9991

Re: Stick out miserable job for health insurance in retirement?

OP here.

I did it.

I bloody did it.

I shut-the-front-door really did it.
by LearningtheRopes
Wed May 31, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 62
Views: 9991

Re: Stick out miserable job for health insurance in retirement?

3 Years for lifetime Medical coverage? I would stick it out. Well, actually, when does it kick in? Another factor to play into this is when do you plan to retire? The sooner you plan to retire, the better this benefit becomes. Because if you're working till 65 it obviously doesn't matter much since...
by LearningtheRopes
Wed May 31, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 62
Views: 9991

Re: Stick out miserable job for health insurance in retirement?

OP here -- still in the job, it's gotten worse, but staying the course -- the first, distant rays of sunlight are beginning to appear on the ceiling of the tunnel -- not there yet, but it's (relatively) close enough that it now seems realistic -- that said, things are really, really unpleasant at wo...
by LearningtheRopes
Thu Dec 29, 2016 9:58 am
Forum: Personal Finance (Not Investing)
Topic: FIRE motivator - stressful profession or my personality?
Replies: 3
Views: 898

FIRE motivator - stressful profession or my personality?

Hey all -- I've become very interested in educating myself about investing for a number of reasons, including but not limited to not having to pay someone else to do it for me (and to do it poorly at that). Along the journey, I have become very interested in the idea -- fantasy -- of early retiremen...
by LearningtheRopes
Sat Dec 24, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Las Vegas - should I do anything?
Replies: 34
Views: 4311

Re: Las Vegas - should I do anything?

or shoot a machine gun if that rings your bell? https://machinegunsvegas.com/ I was going to suggest something similar, but at a different locale -- lots of fun options at a good indoor range: https://thegunstorelasvegas.com/ Also, if you're a football fan, I suggest going to one of the big casinos...
by LearningtheRopes
Thu Oct 27, 2016 8:09 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 7248

Re: How do you make your Martini?

Big tumbler almost full of ice. Add two Fairway garlic-stuffed olives, a tablespoon or two of olive brine. On occasion (now, actually) pickle brine will work instead. Small cap full, at most, of dry vermouth. Then pour to preferred level (top is fine) with Beefeaters. Stir a few times, let sit for a...
by LearningtheRopes
Sat Oct 22, 2016 8:05 am
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 121
Views: 18805

Re: NY Times first in a series about 403(b)s with public K-12

My spouse is now working for a school district in the northeast, and when we were researching the 403(b) options available, the opacity was striking, particularly with respect to investment options and expenses. We haven't made a decision yet, but there appear to be no good choices, and although hav...
by LearningtheRopes
Mon Feb 01, 2016 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Alternatives with Emergency Funds
Replies: 16
Views: 2304

Re: Alternatives with Emergency Funds

Hi! I've been reading several different ideas on what others are doing with Emergency Funds. I've seen: - Cash - Savings account - CD ladder - I Bonds - EE bonds - TIPS I'm 40 (my husband is 38) and we have stable jobs (we have a 4 yo too). We have 8 months of expenses saved up should both of us lo...
by LearningtheRopes
Sat Jan 23, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 7329

Re: What online Email do you use

I had reservations about letting Google have access to my Emails This is precisely why I have stayed with Yahoo for my email. It's fine. Why would you rather give Yahoo access than give Google access? Because I generally use Google as a search engine. I thought that having the same company have my ...
by LearningtheRopes
Mon Jan 18, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 7329

Re: What online Email do you use

cheese_breath wrote:I had reservations about letting Google have access to my Emails
This is precisely why I have stayed with Yahoo for my email. It's fine.
by LearningtheRopes
Tue Jan 12, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Powerball math: annuity is better?
Replies: 56
Views: 7835

Re: Powerball math: annuity is better?

Ignore the possibility of not being paid (a risk with any annuity). With all due respect, I'm not so sure this can or should be ignored (presuming for the sake of argument that hitting the lottery is a serious enough topic to have a serious discussion about). Illinois is already issuing IOUs for ma...
by LearningtheRopes
Tue Jan 12, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for the future vs you only live once
Replies: 72
Views: 12051

Re: Saving for the future vs you only live once

Too many variables to make any kind of blanket statement, other than it depends on your choices and preferences. Some of the factors that influence such choices are: Amounts saved to date Debt Income, both present and anticipated future (including but not limited to workplace security) Spending pref...
by LearningtheRopes
Sun Jan 03, 2016 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance estimate inclusion in net worth?
Replies: 19
Views: 2494

Re: Inheritance estimate inclusion in net worth?

I would say no, don't include. There is always a chance you may not inherit anything (people change their minds, taxes, litigation that drains the value of the estate, etc.). Similarly, even if you do inherit, the amount, even a ballpark amount, is likely a shot in the dark. I think you can make a m...
by LearningtheRopes
Sun Jan 03, 2016 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investments and cash fungibility
Replies: 12
Views: 1472

Re: Short term investments and cash fungibility

I use a combination of VBIAX and VSCGX in equal amounts to create a 50/50 AA "fund" that is my second-tier emergency fund/short term savings pot -- yes, there is some risk, but I think its a reasonable place to put money that is fairly secure and somewhat protected against inflation (dividends rein...
by LearningtheRopes
Sun Jan 03, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Short term investments and cash fungibility
Replies: 12
Views: 1472

Re: Short term investments and cash fungibility

I use a combination of VBIAX and VSCGX in equal amounts to create a 50/50 AA "fund" that is my second-tier emergency fund/short term savings pot -- yes, there is some risk, but I think its a reasonable place to put money that is fairly secure and somewhat protected against inflation (dividends reinv...
by LearningtheRopes
Wed Dec 30, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 62
Views: 9991

Re: Stick out miserable job for health insurance in retirement?

Good point Ubermax - I'm not aware of any retiree health care benefits that would cover you unless you retired from the company and thus continued your health benefits. (Otherwise companies would be on the hook for a lot more people for healthcare). OP may be mistakenly thinking that once he hits x...
by LearningtheRopes
Wed Dec 30, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: 100% Stocks vs. Bonds & Stocks?
Replies: 51
Views: 7270

Re: 100% Stocks vs. Bonds & Stocks?

If stocks offer a higher returns than bonds, is a disciplined investor (who can avoid a panic in a down market) better served with a 100% stock portfolio? I've often wondered the same thing. For the "Buy and Hold Forever" index investor, why do you need bonds in your Portfolio during your working p...
by LearningtheRopes
Wed Oct 28, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: Car advice for tall person
Replies: 29
Views: 3868

Re: Car advice for tall person

I don't know if the newer models have changed size, but I'm 6'4" and drive a 2005 Nissan Altima. I fit fine in the driver seat and there is still plenty of room for another full size human to sit behind me. I'm only 6'1" but agree on the Altima. I currently drive a 2010, plenty of legroom in the fr...
by LearningtheRopes
Wed Oct 28, 2015 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 62
Views: 9991

Re: Stick out miserable job for health insurance in retirement?

Not sure about the type of benefit you are being offered. But to me it makes sense to tough it out now, so that you don't have to stick in a job after 60 years of age just to keep your health insurance. Thanks -- that's what keeps me going in now, but it's getting progressively more and more diffic...
by LearningtheRopes
Wed Oct 28, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 62
Views: 9991

Re: Stick out miserable job for health insurance in retirement?

The largest cost for retirement in the US is healthcare..... and sounds like your not going to get a huge jump in pay by leaving. A few years to get lifetime healthcare seems like a very decent option from the outside. See if you can work on improving the job; at least for you.... Start projects be...
by LearningtheRopes
Wed Oct 28, 2015 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Stick out miserable job for health insurance in retirement?
Replies: 62
Views: 9991

Stick out miserable job for health insurance in retirement?

Hi all -- very long story short (and to keep some details deliberately vague), I'm a few years away from vesting in a very attractive benefit in retirement: health care coverage for myself and my spouse, with eligibility kicking in before 60 (roughly 20 years from now). Sounds great, and it is in th...
by LearningtheRopes
Fri Oct 23, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 36677

Re: What are your 2 retirement numbers?

I live in a HCOL area with two children under the age of 5, and I am under the age of 40, but not by much. So, the first number would have to be very high, say, $3.5M - $4M, give or take. Not there yet, and am not sure I would be setting a good example of "retiring" while my kids were in grade schoo...
by LearningtheRopes
Fri Sep 25, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Live close to work AND in a good school district?
Replies: 57
Views: 4638

Re: Live close to work AND in a good school district?

In my experience -- we live in a suburb of a major East Coast city, with excellent schools in our town -- it's very difficult, if not impossible, to have excellent public schools, a relatively short commute, and not pay through the nose. It's just the reality, at least here. You prioritize -- what i...
by LearningtheRopes
Sun Sep 20, 2015 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Non-Emergency liquid funds -- where to keep for the medium term?
Replies: 15
Views: 2403

Re: Non-Emergency liquid funds -- where to keep for the medium term?

OP, just my 2 cents (for what it's worth :D ). A couple of suggestions: 1) 50/50 is fairly aggressive for a 3-5 year horizon. Those funds could be down for a few years when you need to tap them. You might want to check how those funds performed in 2008 and how long they took to recover, just as an ...
by LearningtheRopes
Fri Sep 18, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Emergency liquid funds -- where to keep for the medium term?
Replies: 15
Views: 2403

Re: Non-Emergency liquid funds -- where to keep for the medium term?

OP here, just wanted to update on this -- decided to go with a 50-50 allocation into VBIAX and VSCGX -- which in turn gives me a 50-50 allocation to stocks and bonds, with a touch of international exposure but not too much. I think this is a good balance of liquidity, relative safety and moderate gr...
by LearningtheRopes
Sat Jun 20, 2015 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 4177

Re: Financial and worldly advice to college kids

Anything you write/post on the internet (including email to anyone) will live forever--long after it is funny or age-justified. Life will be hard, no matter how many advantages you have or how well you do in school. Get used to it early. Hard work is a prerequisite to potential professional success;...
by LearningtheRopes
Sun Jun 07, 2015 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Emergency liquid funds -- where to keep for the medium term?
Replies: 15
Views: 2403

Re: Non-Emergency liquid funds -- where to keep for the medium term?

Thank you all very, very much. I appreciate all the feedback, especially for a newbie.
by LearningtheRopes
Sat Jun 06, 2015 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Emergency liquid funds -- where to keep for the medium term?
Replies: 15
Views: 2403

Non-Emergency liquid funds -- where to keep for the medium term?

Hi all -- been reading the boards for a while, and would like to get people's take on where they keep their non-emergency funds they want to keep liquid, in this super-low rate environment. I would (and do) keep my first tier of 9 months living expenses in a bank account yielding a whopping .01 perc...