Dear BH, what are non-BH [financial] actions you do?

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acegolfer
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Dear BH, what are non-BH [financial] actions you do?

Post by acegolfer » Sun Aug 05, 2018 12:10 pm

Sometimes, or because of different constraints, we may take a non-BH actions. What is/was yours?

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EddieGee
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Re: Dear BH, what are non-BH actions you do?

Post by EddieGee » Sun Aug 05, 2018 2:13 pm

I like investing in real estate and being a landlord. Not very popular among BHs.

Theoretical
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Re: Dear BH, what are non-BH actions you do?

Post by Theoretical » Sun Aug 05, 2018 2:20 pm

1. A sizable static allocation investment in managed futures funds.
2. Managing duration on the bond/CD portion of the portfolio (using Larry's guidelines of 20 bps per additional year).

daveydoo
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Re: Dear BH, what are non-BH actions you do?

Post by daveydoo » Sun Aug 05, 2018 2:24 pm

Spouse got me an amazing watch for a milestone event. It was vintage -- or maybe just "used." I had the option of saying, "Ooooh, honey, it's just too much." I did not. :D

If you mean investing, there are a lot of non-BH investments I'm stuck with because of capital gains considerations. I will wait until I: 1) have a lot of losses to offset the gains; or 2) die. :D I drive a conspicuously unreliable European sedan. In my defense, it is old, fun, and I bought it for almost half-price two years off-lease.
"I mean, it's one banana, Michael...what could it cost? Ten dollars?"

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Tycoon
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Re: Dear BH, what are non-BH actions you do?

Post by Tycoon » Sun Aug 05, 2018 2:30 pm

I ride a road bike without a helmet.
Appeal to Pity:When pity is envoked to support a statement | Appeal to Popular Sentiment:Appealing to unrelated prejudices and attitudes | Hasty Generalization:Too little evidence to support the conclusion

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Doom&Gloom
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Re: Dear BH, what are non-BH actions you do?

Post by Doom&Gloom » Sun Aug 05, 2018 2:36 pm

Not many.

But I do quite a lot of non-frugal things.

Wakefield1
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Re: Dear BH, what are non-BH actions you do?

Post by Wakefield1 » Sun Aug 05, 2018 2:37 pm

I still have Briggs and Stratton (made what were some of my favorite childhood toys) on dividend reinvestment in spite of the fact that dividend reinvestment might not be such a good idea -and I seem to remember that Mr. Bogle told me that in person-if you can't bring yourself to sell your favorite stocks at least let the dividends if not needed for current spending go into buying shares of diversified mutual funds
at least it's only about a half percent of my wealth
not doing so hot either-I guess it's one of the 50% of stocks that just sort of treads water as referenced in the Forum thread yesterday

UnitaryExecutive
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Re: Dear BH, what are non-BH actions you do?

Post by UnitaryExecutive » Sun Aug 05, 2018 3:53 pm

Embrace more risks with our investments and have large positions in high real estate w/ good cash flow, crypto, seed funds, and startups. In the past we've done things like lending club and realty shares.

mega317
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Re: Dear BH, what are non-BH actions you do?

Post by mega317 » Sun Aug 05, 2018 4:07 pm

Traded my last car in to the dealer despite a pretty terrible offer. I had a newborn and no time or patience to do the CL thing.

Forgot to pay a credit card bill and paid a few dollars of interest once in my 20s?

I assume you're not asking the "splurge" question.

mhalley
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Re: Dear BH, what are non-BH actions you do?

Post by mhalley » Sun Aug 05, 2018 5:22 pm

I buy new cars but keep them for at least 10years.
We go out to eat all the time. Pay a fortune to cable TV.

smectym
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Re: Dear BH, what are non-BH actions you do?

Post by smectym » Sun Aug 05, 2018 5:26 pm

I do own one or two individual stocks. However, I don't recommend that, even to myself. I invested in Prosper. I made money but still, I quit that and I am drawing a "pension" out of it, gradual withdrawal. Don't practice so-called "tough love" on my kids. And, worst of all, I hold "too much" in cash.

That's about it.

Smectym

BruDude
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Re: Dear BH, what are non-BH actions you do?

Post by BruDude » Sun Aug 05, 2018 5:26 pm

I buy expensive sports cars that are expensive to maintain, expensive to fix, and expensive to modify. Worth every penny.

livesoft
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Re: Dear BH, what are non-BH actions you do?

Post by livesoft » Sun Aug 05, 2018 5:29 pm

I do a lot of market timing. Successfully.
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delamer
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Re: Dear BH, what are non-BH actions you do?

Post by delamer » Sun Aug 05, 2018 5:30 pm

Bogleheads share an investment philosophy, not a personal finance/lifestyle philosophy.

So while you can’t invest if you don’t spend somewhat less than you make after taxes, there is nothing in the Boglehead principles that says you have to buy used cars that you keep for 15 years or that you have to sleep in a tent on vacations.

As far as the principles are concerned, my investments are not as simple as they could be because I tilt more than the basic 2 or 3 fund portfolios allow.

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beyou
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Re: Dear BH, what are non-BH actions you do?

Post by beyou » Sun Aug 05, 2018 5:37 pm

smectym wrote:
Sun Aug 05, 2018 5:26 pm
Don't practice so-called "tough love" on my kids.

Dead Man Walking
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Re: Dear BH, what are non-BH actions you do?

Post by Dead Man Walking » Sun Aug 05, 2018 6:31 pm

I own actively managed funds. Currently, all of them are Vanguard funds.

DMW

jdb
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Re: Dear BH, what are non-BH actions you do?

Post by jdb » Sun Aug 05, 2018 6:45 pm

I have been investing past 10 years about 25% of my equity allocation on a buy and hold basis in a few individual large cap tech stocks, Alphabet, Amazon, Apple, and Tesla. So far so good.

Cop51
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Re: Dear BH, what are non-BH actions you do?

Post by Cop51 » Sun Aug 05, 2018 6:51 pm

Im a police officer on the road at work and my wife is a physical therapist that does home care so we are both buying lunch out a lot during working hours. We don’t have that office or microwave to pack lunch or heat up left overs. It adds up but could be the first thing we cut back in if we needed too.

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TierArtz
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Re: Dear BH, what are non-BH actions you do?

Post by TierArtz » Sun Aug 05, 2018 7:13 pm

1. I do not immediately sell ESPP shares or vested shares, but hold onto them hoping they'll beat the market. To minimize the downside, when the total hits about 5% of my portfolio, I sell some and reinvest the index fund that best shifts my AA toward the goal.

2. I worry about taxes more than I should to the detriment of my AA (probably need a lot more bonds). I recently took a recovery step, that will cost me about $2500 in taxes - sold VG TSM to buy national tax-exempt bond index.

3. I have been giving cash to my church. I'm going to fix that by starting a DAF, which will let me avoid taxes on appreciated shares, nudge me toward my target AA, and free up some cash (10% of net income) to buy whatever is underweight in my taxable brokerage (presently bonds and international).

runner3081
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Re: Dear BH, what are non-BH actions you do?

Post by runner3081 » Sun Aug 05, 2018 7:19 pm

-Way too much cash in savings... which leads to number two
-Likely going to pay off a mortgage at 3.49% (and 20+ years remaining) in the next few months
-More than 3-funds. I invest in Energy and REIT index funds.
-Some play money in individual stocks (less than 1% of holdings)
-We don't spend extravagantly on travel (seems to be a BH thing)
-No inheritance coming whatsoever (also seen many times here)
-Have not invested HSA cash for last 1-year, trying to time the market, haha

sambb
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Re: Dear BH, what are non-BH actions you do?

Post by sambb » Sun Aug 05, 2018 7:25 pm

I drive modern German or Italian cars not a 1999 Camry or Corolla. But it’s all in my budget so maybe not too anti BH.

The other thing is that I use target funds in some tax deferred Accts. Easier for family.

Investment in aapl paid off my house. So glad I didn’t index with that and instead held aapl.
Last edited by sambb on Sun Aug 05, 2018 7:30 pm, edited 2 times in total.

Chaconne
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Re: Dear BH, what are non-BH actions you do?

Post by Chaconne » Sun Aug 05, 2018 7:28 pm

livesoft wrote:
Sun Aug 05, 2018 5:29 pm
I do a lot of market timing. Successfully.
Shocking! (Both that you do it AND that you do it successfully.)

True confession: I don't index. I'm an extreme example of KISS, and my main holdings are in Vanguard Star, a fund of actively managed funds.I started investing many years ago, when the idea of indexing was relatively new. I just felt more comfortable with Star's established track record, and figured that with its broadly diversified holdings, it was kind of, sort of indexy. As baseball has been to Chico Escuela, Star has be very, very good to me! I'm about to retire with about 35x my anticipated annual retirement spending. No doubt I could have done better. But I could have done a lot worse, too.

bradinsky
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Re: Dear BH, what are non-BH actions you do?

Post by bradinsky » Sun Aug 05, 2018 7:33 pm

Splurged on a Dodge Challenger RT last year. Kind of an old guy retirement thing:-)

tamudude
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Re: Dear BH, what are non-BH actions you do?

Post by tamudude » Sun Aug 05, 2018 8:16 pm

Bought new cars for me (in 2011) and SO (in 2013).
We eat out frequently especially on weekend afternoons).
I keep my company ESPP longer than the recommended BH interval (which is ASAP!! :) )
Splurge on electronics.

heyyou
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Re: Dear BH, what are non-BH actions you do?

Post by heyyou » Sun Aug 05, 2018 8:22 pm

My name is heyyou. I am a slice and dice portfolio owner, and I'm not even trying to give it up, in spite of the fund ERs.
In review, maybe I'm not a BH, just an imposter posting here.

UpperNwGuy
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Re: Dear BH, what are non-BH actions you do?

Post by UpperNwGuy » Sun Aug 05, 2018 8:24 pm

I peek at my portfolio every weekday evening.

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aspirit
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Re: Dear BH, what are non-BH actions you do?

Post by aspirit » Sun Aug 05, 2018 8:35 pm

livesoft wrote:
Sun Aug 05, 2018 5:29 pm
I do a lot of market timing. Successfully.
:wink: But you do not know anyone, that knows anyone, thats done it consistantly ...... do you?

maybe livesoft recently?

Me; I speculate on illiquid distressed assets. :P
Time & tides wait for no one. A man has to know his limitations.

foamypirate
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Re: Dear BH, what are non-BH actions you do?

Post by foamypirate » Sun Aug 05, 2018 8:48 pm

UpperNwGuy wrote:
Sun Aug 05, 2018 8:24 pm
I peek at my portfolio every weekday evening.
I also do this; I'm an info freak, so I just like to see what's going on. I never take any action based on what happens, however.

My non-BH weakness...paying off my house before fully maxing tax-advantaged accounts. I'll probably get crucified for that one. :twisted: It's a personal, peace of mind thing, and I'm still well on track for early retirement, all the same.

am
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Re: Dear BH, what are non-BH actions you do?

Post by am » Sun Aug 05, 2018 8:54 pm

About 5 yrs ago sold all my taxable portfolio when Dow was near highs and paid off my mortgage. Was afraid that I’d lose the opportunity (a form of market timing) :oops: . Not a wise decision looking back but at least the mortgage is paid off and I own only one home :D Won’t make that one again!

delamer
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Re: Dear BH, what are non-BH actions you do?

Post by delamer » Sun Aug 05, 2018 8:59 pm

am wrote:
Sun Aug 05, 2018 8:54 pm
About 5 yrs ago sold all my taxable portfolio when Dow was near highs and paid off my mortgage. Was afraid that I’d lose the opportunity (a form of market timing) :oops: . Not a wise decision looking back but at least the mortgage is paid off and I own only one home :D Won’t make that one again!

Honestly, that seems more like rebalancing than market timing.

If that makes you feel better...

am
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Re: Dear BH, what are non-BH actions you do?

Post by am » Sun Aug 05, 2018 9:04 pm

delamer wrote:
Sun Aug 05, 2018 8:59 pm
am wrote:
Sun Aug 05, 2018 8:54 pm
About 5 yrs ago sold all my taxable portfolio when Dow was near highs and paid off my mortgage. Was afraid that I’d lose the opportunity (a form of market timing) :oops: . Not a wise decision looking back but at least the mortgage is paid off and I own only one home :D Won’t make that one again!

Honestly, that seems more like rebalancing than market timing.

If that makes you feel better...
Thanks, I like that :D

bikechuck
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Re: Dear BH, what are non-BH actions you do?

Post by bikechuck » Sun Aug 05, 2018 9:07 pm

My DW and I both retired in 2017 and we are about to sell our 1,700 sq foot home of 28 years and upsize to a 2,300 sq foot courtyard home. Our property taxes will double. We are comfortable that we can afford this and it is a better house to age in but it is the opposite of what is recommended for retirees.

typical.investor
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Re: Dear BH, what are non-BH actions you do?

Post by typical.investor » Sun Aug 05, 2018 9:14 pm

Use a closed-end fund (CEF) that holds municipal bonds. Actually, it's an ETF that follows an index of closed-end funds including both leveraged and non. Overall, it's about 30% leveraged.

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badbreath
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Re: Dear BH, what are non-BH actions you do?

Post by badbreath » Sun Aug 05, 2018 9:16 pm

3% of my portfolio is in the company I work for stock. But it has gone up 150%
“While money can’t buy happiness, it certainly lets you choose your own form of misery.” Groucho Marx

Dandy
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Re: Dear BH, what are non-BH actions you do?

Post by Dandy » Mon Aug 06, 2018 7:08 am

1. I don't have a written IPS
2. I don't overly fuss about rebalancing especially sub accounts. If my equity/fixed income is within my band I'm pretty much ok. Whether or not my allocation to short term bonds is a bit higher than planned - not to worry. If I have to rebalance I'm fine with a gradual approach vs an immediate exchange.
3. I will, on rare occasions, buy when there are several really bad days in the market.
4. I have a lot of diversity in my fixed income vs having most/all in Total bond fund
5. I have equities and fixed income in all accounts: taxable, TIRA and Roth. e.g. TIRA @ 20/80, Taxable @ 67/33.
6. I peek. i.e. check statements and access account.
7. Think "safe" withdrawal idea is only good for determining a withdrawal starting point/approach. Need to be flexible.
8. Think valuations matter but rarely take any actions. A few years ago when the market was up 30% or more I took some out of equities.

Yet, I still consider myself a Boglehead. Lived below our means before I ever heard of Bogle, saved/invested for retirement as soon as I was employed, focused investments on index/low cost/passive funds, don't fiddle with my investments or usually react to current events/hype etc.

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matjen
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Re: Dear BH, what are non-BH actions you do?

Post by matjen » Mon Aug 06, 2018 8:18 am

Argue about TSLA, but then again my stock positions are only imaginary. :beer
A man is rich in proportion to the number of things he can afford to let alone.

dukeblue219
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Re: Dear BH, what are non-BH actions you do?

Post by dukeblue219 » Mon Aug 06, 2018 8:20 am

Let a credit card charge that should have been disputed slide because I just didn't want to be bothered (<$20 and the card wasn't stolen or anything).

ChinchillaWhiplash
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Re: Dear BH, what are non-BH actions you do?

Post by ChinchillaWhiplash » Mon Aug 06, 2018 8:33 am

Hold a few individual mREITs and BDC stocks. Buying a little actively managed funds in things like covered call equities stategy, junk bonds, and EM bonds. Thinking there might be a bit of an advantage in those over an index fund in similar asset class. Might be wrong, but won't be out much if I am.

mak1277
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Re: Dear BH, what are non-BH actions you do?

Post by mak1277 » Mon Aug 06, 2018 8:37 am

Aside from holding a three-fund portfolio, I don't really pay much attention to any other "tenets" of bogelhead-dom.

FeesR-BullNotBullish
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Re: Dear BH, what are non-BH actions you do?

Post by FeesR-BullNotBullish » Mon Aug 06, 2018 9:33 am

I am considering buying gold.

stoptothink
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Re: Dear BH, what are non-BH actions you do?

Post by stoptothink » Mon Aug 06, 2018 9:34 am

runner3081 wrote:
Sun Aug 05, 2018 7:19 pm
-Likely going to pay off a mortgage at 3.49% (and 20+ years remaining) in the next few months
+1. We are <3yrs into a 15yr at 3.125%. Instead of opening a taxable account we have funneled excess resources into paying off the mortgage early; we're a little under halfway there.

Also, we have no intentions of paying for the university education of our children. We have ~12 years for our opinion to change as our oldest is 6, but at this point it isn't something we are really considering.

runner3081
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Re: Dear BH, what are non-BH actions you do?

Post by runner3081 » Mon Aug 06, 2018 11:45 am

stoptothink wrote:
Mon Aug 06, 2018 9:34 am
runner3081 wrote:
Sun Aug 05, 2018 7:19 pm
Also, we have no intentions of paying for the university education of our children. We have ~12 years for our opinion to change as our oldest is 6, but at this point it isn't something we are really considering.
We are going to pay as follows (our daughter is 6 now as well)
1) 2-years of Community College, tuition and books only.
2) 2-years of in-state public university, tuition and books only.

She could live at home and finish school without loans that way.

The rest (private school, room + board, etc)... well, it is a choice and she can pay it.

HEDGEFUNDIE
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Re: Dear BH, what are non-BH actions you do?

Post by HEDGEFUNDIE » Mon Aug 06, 2018 11:56 am

I used Motif Investing to build and invest in a custom ETF of 60 pure-play SaaS companies, similar to the Bessemer Venture Partners Cloud Computing Index (https://www.bvp.com/strategy/cloud-computing/index). It’s 5% of my equity portfolio, and I’m looking to increase it to 10%.

Has outperformed large cap tech and offers better diversification as well (given how heavily large cap tech is already represented in market indices).

mak1277
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Re: Dear BH, what are non-BH actions you do?

Post by mak1277 » Mon Aug 06, 2018 12:06 pm

runner3081 wrote:
Mon Aug 06, 2018 11:45 am
stoptothink wrote:
Mon Aug 06, 2018 9:34 am
runner3081 wrote:
Sun Aug 05, 2018 7:19 pm
Also, we have no intentions of paying for the university education of our children. We have ~12 years for our opinion to change as our oldest is 6, but at this point it isn't something we are really considering.
We are going to pay as follows (our daughter is 6 now as well)
1) 2-years of Community College, tuition and books only.
2) 2-years of in-state public university, tuition and books only.

She could live at home and finish school without loans that way.

The rest (private school, room + board, etc)... well, it is a choice and she can pay it.
I would pay extra for my kid to go to school far enough away that he can't live at home...that's probably also non-BH.

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spdoublebass
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Re: Dear BH, what are non-BH actions you do?

Post by spdoublebass » Mon Aug 06, 2018 12:13 pm

1. I didn't focus on paying back my student loan. Since I consolidated based off of my income, I just make the minimum payments. After 20 years, the balance will be counted as income and I will be taxed on it. I crunched the numbers....I end up paying less than the amount I borrowed if I just make the minimum payments and then pay the tax so I went with that option.

2. I recently opened up a Robinhood account out of curiosity. (Pointless, but Harmless) I bought one share of Ford stock because there are no fees. Now I can say I own individual stock. :mrgreen:
I'm trying to think, but nothing happens

MikeG62
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Re: Dear BH, what are non-BH actions you do?

Post by MikeG62 » Mon Aug 06, 2018 12:45 pm

We are not frugal.
Real Knowledge Comes Only From Experience

mouses
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Re: Dear BH, what are non-BH actions you do?

Post by mouses » Mon Aug 06, 2018 4:05 pm

Cop51 wrote:
Sun Aug 05, 2018 6:51 pm
Im a police officer on the road at work and my wife is a physical therapist that does home care so we are both buying lunch out a lot during working hours. We don’t have that office or microwave to pack lunch or heat up left overs. It adds up but could be the first thing we cut back in if we needed too.
You could brown bag it with a thermos.

mouses
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Re: Dear BH, what are non-BH actions you do?

Post by mouses » Mon Aug 06, 2018 4:08 pm

runner3081 wrote:
Mon Aug 06, 2018 11:45 am
stoptothink wrote:
Mon Aug 06, 2018 9:34 am
runner3081 wrote:
Sun Aug 05, 2018 7:19 pm
Also, we have no intentions of paying for the university education of our children. We have ~12 years for our opinion to change as our oldest is 6, but at this point it isn't something we are really considering.
We are going to pay as follows (our daughter is 6 now as well)
1) 2-years of Community College, tuition and books only.
2) 2-years of in-state public university, tuition and books only.

She could live at home and finish school without loans that way.

The rest (private school, room + board, etc)... well, it is a choice and she can pay it.
I really don't understand the not paying for kids to go to a first rate college thing. That is a huge step up for opportunities, and trying to work one's way through is incompatible with studying hard. An impact on the quality of their life for decades.

timmy
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Re: Dear BH, what are non-BH actions you do?

Post by timmy » Mon Aug 06, 2018 4:12 pm

Smoke Cuban cigars

Light em using $100 bills

stoptothink
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Re: Dear BH, what are non-BH actions you do?

Post by stoptothink » Mon Aug 06, 2018 4:26 pm

mouses wrote:
Mon Aug 06, 2018 4:08 pm
runner3081 wrote:
Mon Aug 06, 2018 11:45 am
stoptothink wrote:
Mon Aug 06, 2018 9:34 am
runner3081 wrote:
Sun Aug 05, 2018 7:19 pm
Also, we have no intentions of paying for the university education of our children. We have ~12 years for our opinion to change as our oldest is 6, but at this point it isn't something we are really considering.
We are going to pay as follows (our daughter is 6 now as well)
1) 2-years of Community College, tuition and books only.
2) 2-years of in-state public university, tuition and books only.

She could live at home and finish school without loans that way.

The rest (private school, room + board, etc)... well, it is a choice and she can pay it.
I really don't understand the not paying for kids to go to a first rate college thing. That is a huge step up for opportunities, and trying to work one's way through is incompatible with studying hard. An impact on the quality of their life for decades.
Not paying for your kids to go to a "first rate college" being incompatible with studying hard is an opinion and not a statement of fact. There is a very extensive thread at the top of this board about this very topic. Feel free to share your opinion (and judgement of others for not sharing it) there.
Last edited by stoptothink on Mon Aug 06, 2018 4:35 pm, edited 2 times in total.

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