Search found 1028 matches

by Elsebet
Wed Apr 14, 2021 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 88
Views: 7903

Re: How close to retirement age would you start to coast instead of grinding it out?

I'm nearing 45, been in IT full-time since about age 22. Only one of my jobs (about 3 years) did not involve after hours on-call support and maintenance at late/early hours. If my plan works out i can fully retire at 58 from my current company with a pension, but if not I may stop at 55 unless I can...
by Elsebet
Wed Apr 14, 2021 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: "Nobody's ever regretted paying off the mortgage."
Replies: 262
Views: 15650

Re: "Nobody's ever regretted paying off the mortgage."

We like to do a little of both. We are paying our 30 year mortgage as a 15 year and also investing a sum just a touch under the extra mortgage payment in taxable as well. You don't have to be on the extremity either way.
by Elsebet
Tue Apr 06, 2021 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: High income yet received 3rd stimulus check
Replies: 7
Views: 1290

Re: High income yet received 3rd stimulus check

Oddly we have the opposite scenario; had less income (far under the limit) and the IRS payment website stills says we're not processed/ineligible. We did file our 2020 taxes and got a refund. We did get the 1st and 2nd.
by Elsebet
Sat Apr 03, 2021 3:15 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2756
Views: 274475

Re: [What TV Show Have You Recently Watched?]

Watching Season 1 of "Hannibal" right now on Amazon Prime. Very high production values and I love the setting and main actors. However I'm not sure how I feel about the series overall though, there are some parts of it I find hard to maintain my suspension of disbelief and it takes me out ...
by Elsebet
Thu Apr 01, 2021 9:14 pm
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3481

Re: Duolingo

I have been taking Spanish for a few months using DuoLingo. For me it's just so I can use some Spanish phrases at the Mexican restaurants where we eat regularly and give the native speakers a good laugh. I had hopes that my husband would join me and we'd try to speak Spanish with each other but he i...
by Elsebet
Thu Apr 01, 2021 4:42 pm
Forum: Personal Consumer Issues
Topic: Is it time to replace my Roku 3?
Replies: 18
Views: 1183

Re: Is it time to replace my Roku 3?

We have a Roku 3 also and it occasionally crashes or needs restarted also, but I'd say more like once every few weeks for us. We don't have quite as many channels as you though, so it might be happening to us less often.
by Elsebet
Tue Mar 30, 2021 12:24 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2756
Views: 274475

Re: [What TV Show Have You Recently Watched?]

"Dead to Me" on Netflix. I enjoyed this dark comedy more than I thought I would, some episodes are extremely witty and well written. There is however a strong need to suspend disbelief in parts of the plot. I will admit I have loved watching Linda Cardellini since I first saw her in Grandm...
by Elsebet
Tue Mar 30, 2021 12:18 pm
Forum: Personal Consumer Issues
Topic: Curious about negative expat experiences -- why don't more people do it?
Replies: 111
Views: 10650

Re: Curious about negative expat experiences -- why don't more people do it?

I would jump at the opportunity if given but as of yet have not had it. I've not overly pursued it either to be fair. We don't have kids or much family left so living overseas would be a fun adventure for us. I left my home state at 19 (Pennsylvania to Ohio) then went to Washington from 2013-2020, a...
by Elsebet
Tue Mar 30, 2021 10:02 am
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25142

Re: High spenders what do you spend on?

We have a newer home and beautiful deck for the first time in our lives (age 44/45). We bought a brand new patio set and Weber grill from Costco for about $4k combined - first new purchases of both, previously we bought those things used. I feel like a high spender this month! :) Reading this thread...
by Elsebet
Thu Mar 25, 2021 7:39 am
Forum: Personal Finance (Not Investing)
Topic: How to Deal with Worry of job loss and providing for family?
Replies: 127
Views: 10287

Re: How to Deal with Worry of job loss and providing for family?

This is one of the primary reasons I save/LBYM. To eliminate this fear ASAP and completely control the decision to work or not work. Every day closer to my FI goal, the less worry I have. I was in my late 20's when a 55 year old co-worker told me she was laid off from her job and it took her 2 year...
by Elsebet
Wed Mar 24, 2021 5:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451283

Re: What Movie Have You Recently Watched?

"Captain Fantastic" on Netflix - 5/5 Viggo Mortensen and his survivalist family must choose between their eccentric lifestyle and meeting society's expectations. Great movie I passed over many times! I love this movie and bought a copy after renting it. Just watched "I care a lot&quo...
by Elsebet
Wed Mar 24, 2021 1:27 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 317
Views: 31071

Re: Oddly Difficult to Find Items During the Pandemic

Toilet paper! Tony What area are you in? We are in NW PA and every area store I visit (even Costco) has tons. Our Wegman's even put them out front in the lobby they have so much stock. I have not had too much trouble finding items, but it is hard to get a doctor or veterinarian appointment right no...
by Elsebet
Wed Mar 24, 2021 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Need career suggestions for adult son
Replies: 72
Views: 6646

Re: Need career suggestions for adult son

Dude2 wrote: Wed Mar 24, 2021 4:17 am Any elaboration?
Ok, I'll take a shot. Why on Earth would we consider a person with artistic ability as being right for the military?
JRR Tokien served in the military voluntarily.

https://en.wikipedia.org/wiki/J._R._R._Tolkien
by Elsebet
Sun Mar 21, 2021 3:23 pm
Forum: Personal Consumer Issues
Topic: Mat for Dog - Protecting New Hardwood Floors
Replies: 22
Views: 1466

Re: Mat for Dog - Protecting New Hardwood Floors

So before entering a home remove human footwear and dog wear. I used to be skeptical that taking shoes off made any difference in cleaning or keeping floors in good shape. However we purchased the newest home we've ever had last year (it was 14 years old at the time) and I decided we'd get in the h...
by Elsebet
Fri Mar 19, 2021 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do with an auto accident where my vehicle was struck
Replies: 31
Views: 2562

Re: Not sure what to do with an auto accident where my vehicle was struck

My 2016 Tacoma was rear ended in 2018 by a texting driver . Insurance took care of it and I really don't think about it anymore, however I keep my cars until they die so I don't care about resale value. Is it possible for you to just keep the car? I had to re-read that twice. At first I thought you...
by Elsebet
Thu Mar 18, 2021 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure what to do with an auto accident where my vehicle was struck
Replies: 31
Views: 2562

Re: Not sure what to do with an auto accident where my vehicle was struck

My 2016 Tacoma was rear ended in 2018 by a texting driver. Insurance took care of it and I really don't think about it anymore, however I keep my cars until they die so I don't care about resale value. Is it possible for you to just keep the car?
by Elsebet
Mon Mar 15, 2021 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 363
Views: 26003

Re: Received 3rd stimulus check 3/12/21

Anyone else get a "Payment Status - Not Available" on the IRS site? I'm almost positive that we qualify. Same here. I checked over the weekend and this morning. Also getting the same message even though we qualified for the first and second, can't see any reason we wouldn't qualify for th...
by Elsebet
Mon Mar 08, 2021 5:30 pm
Forum: Personal Consumer Issues
Topic: What are your alternatives to big name brands, like Amazon?
Replies: 72
Views: 4977

Re: What are your alternatives to big name brands, like Amazon?

Years ago I used to buy everything from Amazon but for various reasons have recently been using alternatives. General: https://costco.com Books: https://www.barnesandnoble.com Computers: https://newegg.com For specific products I often try the manufacturer's website: Palmer's Cocoa Butter Lotion: ht...
by Elsebet
Sat Mar 06, 2021 9:00 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5079
Views: 1324017

Re: What Book Are You Currently Reading? Part VI

Factfullness by Hans Rosling, Ola Rosling, Anna Rosling Rönnlund. Really enjoying this book, it's about putting news/statistics into perspective to see that the world is really improving in a lot of areas rather than getting worse.
by Elsebet
Sat Mar 06, 2021 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Coast to retirement jobs for 50-something
Replies: 41
Views: 5683

Re: Coast to retirement jobs for 50-something

I don't think you have to limit yourself to a government job, there are corporations who have a work-life balance culture. My current company is very focused on work-life balance and even has a 37.5 hour week instead of 40. I also worked at two major retailers which had great work-life balance in th...
by Elsebet
Fri Mar 05, 2021 6:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451283

Re: What Movie Have You Recently Watched?

"Good Hair" - by Chris Rock on Netflix, a documentary about African American women's hair. Very entertaining and educational, really enjoyed it although it is difficult as a Boglehead to hear how much they were spending!
by Elsebet
Wed Mar 03, 2021 5:16 pm
Forum: Personal Consumer Issues
Topic: Calling all master gardeners/market gardeners!
Replies: 11
Views: 1190

Re: Calling all master gardeners/market gardeners!

Seek out your local master gardener organization, your county extension agent, and your local land grant university which handles all things agriculture. There are many science based fact sheets available for you, and the MG organization will have tips on how to progress. +1. I'm a Master Gardener ...
by Elsebet
Wed Mar 03, 2021 1:09 pm
Forum: Non-US Investing
Topic: Golden Visa Programs
Replies: 58
Views: 9199

Re: Golden Visa Programs

My maternal great-grandparents were born in Lithuania and my paternal great-grandparents were from Hungary. I would love to pursue an EU passport if it's possible. Basic Hungary citizenship info here: https://losangeles.mfa.gov.hu/eng/page/hungarian-citizenship And Lithuanian here: https://e-seimas...
by Elsebet
Mon Mar 01, 2021 6:10 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2756
Views: 274475

Re: [What TV Show Have You Recently Watched?]

Just finished Season 3 of "Killing Eve". The show is kind of weird and season 3 really stretched my ability to suspend disbelief. I bet I'll watch season 4 if there is one just because the characters and plot are so different.
by Elsebet
Fri Feb 26, 2021 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying Mortgage Aggressively (Ramsey approach) vs. Investing
Replies: 140
Views: 10984

Re: Prepaying Mortgage Aggressively (Ramsey approach) vs. Investing

I use a mixed approach. We pay our 30 year mortgage as if it was a 15 year mortgage (about 1k extra a month), and I also put a little money ($500) into my investment account every month. I max my 401k and Roth IRA, husband maxes his Roth IRA and puts enough to get the employer match into his 401k . ...
by Elsebet
Tue Feb 23, 2021 12:21 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 103
Views: 7574

Re: which snow blower ?

We have a John Deere 380 series tractor with the snowblower attachment. We live in NW PA near Lake Erie and we get quite a bit of snow and have a very long driveway. It works really well for us, the only learning curve we had was getting the tire chains on correctly, the first few times they would f...
by Elsebet
Thu Feb 18, 2021 11:21 am
Forum: Personal Consumer Issues
Topic: How to approach cross-country move
Replies: 20
Views: 7541

Re: How to approach cross-country move

We moved from WA to PA in April 2020. My new company paid for everything. I had the house under contract before we left with an RE investment company. They put a lockbox on it and checked in on it while we waited to close (took over 3 months due to lag in appraisals). Before moving day we got rid of...
by Elsebet
Wed Feb 17, 2021 5:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451283

Re: What Movie Have You Recently Watched?

The Dig on Netflix, it is really good! Just finished this one. I really enjoyed it. I read a lot of research papers when I was involved in a Viking living history group for similar Viking ship burials (especially the Oseburg and Gokstad) so this movie was extra fascinating to me. I did see the Sutt...
by Elsebet
Wed Feb 17, 2021 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Prefunding retirement
Replies: 48
Views: 3933

Re: Prefunding retirement

I work for a company that offers both a nice 401k match and pension. I will have 15 years in and be fully vested in 2035 when I'm 58 and plan to retire then. The pension alone would likely cover our basic living expenses. However, the matching is not guaranteed to continue. Nor is the pension guaran...
by Elsebet
Wed Feb 17, 2021 9:57 am
Forum: Investing - Theory, News & General
Topic: What was the Dot-Com bubble like?
Replies: 167
Views: 11532

Re: What was the Dot-Com bubble like?

I was in college from 1996-2001, but in 1997 I landed a full-time job with a 401k. A co-worker nagged me until I set my contribution to 20% and advised me to not touch that money ever. I vaguely recall picking a mix of mutual funds (probably terrible) but I never looked at it until I left that job i...
by Elsebet
Fri Feb 12, 2021 11:38 am
Forum: Personal Consumer Issues
Topic: Top thing you worry about in your life now
Replies: 24
Views: 1666

Re: Top thing you worry about in your life now

Stinky wrote: Fri Feb 12, 2021 11:15 am Maintaining my health as I age.

Both physical and mental.
#1 for me and I'm only 44.
by Elsebet
Wed Feb 10, 2021 2:01 pm
Forum: Forum Issues and Administration
Topic: site off line 2021-02-10
Replies: 17
Views: 1596

Re: site off line 2021-02-10

From one sysadmin to another, I've often heard that you aren't a real sysadmin until you've broken production. :)

Thanks for your work!
by Elsebet
Sun Feb 07, 2021 3:00 pm
Forum: Personal Consumer Issues
Topic: Return to office after covid shutdowns
Replies: 183
Views: 7348

Re: Return to office after covid shutdowns

I hope for a hybrid model. I started at my new job in April 2020 and have only met some of my team members in person once. In April things were livelier on chat and they had virtual happy hours but all of that quickly dried up. I onboarded just fine but that is because I'm in a senior position and a...
by Elsebet
Wed Feb 03, 2021 8:46 pm
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 108
Views: 11224

Re: Genealogy

I have been using ancestry.com for the last month (got it on the 50% holiday sale). I have managed to trace my great-grandparents to being born in Lithuania. If I can get documents for both my grandmother and great-grandparents it's possible I might be able to apply for citizenship by blood in Lithu...
by Elsebet
Tue Feb 02, 2021 6:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451283

Re: What Movie Have You Recently Watched?

Midnight Sky on Netflix. Slow but good. If you have a short attention span and/or enjoy action, this movie is not for you. We watched this last evening. I loved the music and the design of the buildings. The acting was passable. I just didn't really enjoy the movie overall, it felt a bit patched to...
by Elsebet
Tue Feb 02, 2021 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Motivate Graduating HS Sr to Start Life - facing an uphill climb
Replies: 175
Views: 12598

Re: Motivate Graduating HS Sr to Start Life - facing an uphill climb

I went to college right after high school. I was probably similar to your son, an average student. I did study for my SATs though and took them twice. I did not do well in my freshman year of college, it was too much at once for me at age 19. I had never been away from home much before moving away f...
by Elsebet
Fri Jan 29, 2021 1:51 pm
Forum: Personal Consumer Issues
Topic: Life in a quintessential college town
Replies: 44
Views: 5843

Re: Life in a quintessential college town

We recently moved just outside of Erie, PA. It has at least 4 colleges (Mercyhurst, Gannon, Penn State Behrend, and nearby Edinboro) and a medical school (LECOM) plus Lake Erie and Presque Isle nearby. We don't have kids so I can't comment there but we love the less frantic life here so far. Housing...
by Elsebet
Thu Jan 28, 2021 11:35 am
Forum: Personal Investments
Topic: Social security age for the wife
Replies: 18
Views: 1927

Re: Social security age for the wife

My husband has been the lower earner so we plan on him taking his SS at 62. I will defer mine to 70. i feel like this averages out the risks without me having to do a bunch of math. :)

Of course we are only 44 (me) and 45 (him) and you know what they say about plans!
by Elsebet
Mon Jan 25, 2021 5:07 pm
Forum: Personal Consumer Issues
Topic: Do you have any tips for first time home buyer?
Replies: 64
Views: 4169

Re: Do you have any tips for first time home buyer?

OP: Buy only enough house that you can afford on one income. One never knows when recessions and downsizing may strike a family. This was the metric we used, and while we never suffered from a job loss, we did see our investment accounts grow. :) +1, but I'd also advise if there are two incomes in ...
by Elsebet
Sun Jan 24, 2021 3:00 pm
Forum: Personal Consumer Issues
Topic: Work from home getting harder
Replies: 95
Views: 7338

Re: Work from home getting harder

Having been on both sides of the matter, I can see their point. I was happiest with a hybrid approach. WFH one or two days a week, and in the office the remaining days. WFH full-time takes away the sense of camaraderie. Zoom meetings aren't the same as seeing people in person. Office full-time lead...
by Elsebet
Fri Jan 22, 2021 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Wedding
Replies: 78
Views: 4778

Re: Wedding

oldfatguy wrote: Thu Jan 21, 2021 10:22 pm Go to a courthouse and get married. The fees are nominal.
We did this and it was really nice. A few of our co-workers joined us at the courthouse and after the ceremony we went out for brunch. After that we went back to work. :)
by Elsebet
Wed Jan 20, 2021 9:13 pm
Forum: Personal Consumer Issues
Topic: Long-term satisfaction with your shower wall/system
Replies: 36
Views: 3059

Re: Long-term satisfaction with your shower wall/system

Just to anticipate, once you get your tile shower installed (surely the best way to go) the secret to keeping everything clean is to squeegee down all the surfaces every time you use the shower. I also suggest using a frameless glass door. Although it isn't a huge thing, I've moved more towards a s...
by Elsebet
Wed Jan 20, 2021 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: What Causes Burnout at Work?
Replies: 124
Views: 10146

Re: What Causes Burnout at Work?

I'm in IT and I find I start burning out when the majority of my day consists of fighting fires and I'm not getting any time to work on new challenges/processes/tools. Poor leadership also accelerates burnout.
by Elsebet
Wed Jan 20, 2021 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Got my stimulus check, how about you?
Replies: 212
Views: 16277

Re: Got my stimulus check, how about you?

Is there a site where you can check the status of this? The IRS site I used to track the last stimulus didn’t seem to be working. https://www.irs.gov/coronavirus/get-my-payment We received our first stimulus payment via paper check, the second via card. We owed money in both 2018 and 2019, I wonder...
by Elsebet
Tue Jan 19, 2021 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Family support for an artist
Replies: 188
Views: 10965

Re: Family support for an artist

My comment was in response to another poster's example - of parents intending to leave all their assets to one sibling over the other, due to the recipients inability or unwillingness to support themselves. Parents can decide to do whatever they want with their money, but to me, this particular exa...
by Elsebet
Mon Jan 18, 2021 3:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451283

Re: What Movie Have You Recently Watched?

I got a NYT email a few weeks ago about movies leaving Netflix in January. One is Swiss Army Man, leaving 1/29. I would post a link to the official trailer but suggest you google it instead if interested. If you're offended by the trailer the movie isn't for you. I would suggest you not watch the t...
by Elsebet
Mon Jan 18, 2021 2:57 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2756
Views: 274475

Re: [What TV Show Have You Recently Watched?]

I'm on Season 5 of "Schitt's Creek" on Netflix based on recommendations in this thread. I like it overall, sometimes it's a bit corny. It feels similar to a Canadian version of Arrested Development. One thing I've found is that I found almost all of the characters really annoying/trite in ...
by Elsebet
Sat Jan 16, 2021 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Financial assistance for elderly friend (65 years old)
Replies: 39
Views: 3210

Re: Financial assistance for elderly friend (65 years old)

People often kick and scream when asked to change. Then months or years later find themselves saying, "I wished I had done this sooner." people are funny like that. My mom is 84 and my brother and I have been trying to get her to move to a small apartment for at least 10 years now. She li...
by Elsebet
Thu Jan 14, 2021 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else get emotional while creating their death package?
Replies: 76
Views: 6826

Re: Anyone else get emotional while creating their death package?

I don't get emotional about my own death. I do worry about my husband's ability to manage everything that I do if I should die first.
by Elsebet
Thu Jan 14, 2021 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What are your Lean FIRE, FIRE, and Fat FIRE numbers?
Replies: 307
Views: 25284

Re: What are your Lean FIRE, FIRE, and Fat FIRE numbers?

Learn Fire: 40k would keep us fed and warm. Fire: 60k. We spend this a year currently, and that is with a mortgage and child care. FAT Fire: 80-100k. I would feel like the richest man alive. Our numbers reflect the cost of the area where we live, and the company we keep. This is about the same for ...