Search found 81 matches

by Candor
Sun Jun 21, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Recommend a port, please [Wine]
Replies: 28
Views: 2634

Re: Recommend a port, please [Wine]

Jonesy. Rated 93 by Robert Parker and for $10 or so it's very nice.
by Candor
Sun May 10, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Somebody hit our parked car today!!
Replies: 21
Views: 3892

Re: Somebody hit our parked car today!!

There's no need to notify your insurance company unless you have a problem with the other persons insurance.
by Candor
Sun May 10, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 4045

Re: Do banks take loose coinage?

Maybe I need to change banks. I recently filled a large bottle of change after 20+ years and my credit union required me to roll it all in order to deposit the money. It was over $3100 in quarters, nickels and dimes and took more hours than I can remember. I don't even want to tackle the pennies. Th...
by Candor
Thu Apr 02, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9904

Re: Did you learn anything from 2008?

I learned I have a high tolerance for pain.
by Candor
Fri Mar 20, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 10347

Re: Whats a good Pistol to buy?

If it were me I would get a S&W or Ruger but if you're not that into guns and just looking for a good quality reliable revolver for a reasonable price I think a Taurus is your best bet. They tend to have some mixed reviews on their semi-auto pistols but the revolvers are good quality firearms an...
by Candor
Thu Mar 05, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Follow-up: What % of net worth was your home at purchase?
Replies: 14
Views: 1679

Re: Follow-up: What % of net worth was your home at purchase

Hmm, I'm pretty sure I had a negative net worth back then and paid $92,000 so I'm guessing that is somewhere north of 500%. I blame my ex for making me do it. It all worked out but I wouldn't necessarily recommend it.
by Candor
Thu Mar 05, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: At which point [decide to buy something]
Replies: 26
Views: 1868

Re: At which point

If I really want something (not need it) I will mull it over for some time and research it extensively. I try to be honest with myself about how much enjoyment and use I will get out of it. If after weeks or months of this I will buy it as long as I don't have to dip into savings and I know it won't...
by Candor
Thu Feb 26, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: Ideas of where to relocate
Replies: 32
Views: 2932

Re: Ideas of where to relocate

I think there is quite good hiking in Cuba, actually. But if you're seriously open to the idea of Alabama, you might also consider a little town called Trussville right outside Birmingham. It has an independent public school system, separate from the Birmingham/Jefferson County system, that is cons...
by Candor
Thu Feb 26, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 32
Views: 3630

Re: Cheap ammo

From this topic. http://www.bogleheads.org/forum/viewtopic.php?f=11&t=159331&start=50 Re: Guns for hunting/defense Postby LadyGeek ┬╗ Wed Feb 25, 2015 5:37 pm For completeness, here's a relevant thread: Cheap ammo - feel free to bump it. http://gunbot.net/ammo/pistol/9mm/ http://ammoseek.com/
by Candor
Fri Feb 20, 2015 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: End of Life for a Friend of Mine....a couple weeks ago....
Replies: 41
Views: 4892

Re: End of Life for a Friend of Mine....a couple weeks ago..

A complicated issue but it's unbelievable to me that people in the majority of the U.S aren't legally afforded the option to end their life with a physicians help as a standard course under certain circumstance such as incurable terminal illnesses that will likely involve more suffering than a perso...
by Candor
Fri Feb 06, 2015 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3767

Re: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]

It may have already been stated but I did mine earlier this evening and it went through fine. I was asked for the last 5#'s of my driver's license id# as a fraud protection measure which was a first for me.
by Candor
Fri Feb 06, 2015 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 8369

Re: Unhappy With Job Raise

I was introduced to a new term yesterday when I received my raise - salary compression. Apparently I'm approaching the max of the range for my position so HR decided to lop off a chunk of my recommended raise. I was assured that once I reach the max they will offset the raise with an increase of the...
by Candor
Fri Jan 23, 2015 10:30 pm
Forum: Personal Consumer Issues
Topic: seiko divers watch
Replies: 8
Views: 697

Re: seiko divers watch

Seiko dive watches and Seiko watches in general are highly regarded by many enthusiasts because they are very good quality watches for a reasonable price (although some are getting a little pricey). Many high end watch collectors have Seiko dive watches in their collection. I have a Seiko Black Mons...
by Candor
Sun Jan 11, 2015 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 136
Views: 28113

Re: Net Worth Survey, 2015 Edition

I'm assuming the graphs aren't taking into account the number adults in the household?
by Candor
Thu Dec 11, 2014 10:12 pm
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 4043

Re: Poll: Dividend income to match annual salary?

I was about to pack it in when I opened this tread and finally admit I wasn't worthy. Glad to see I still fit in, I think... :D
by Candor
Wed Nov 26, 2014 11:25 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 18951

Re: 23 year old... Can I afford a Rolex?

I am a frugal person in many respects and I own a Rolex that I purchased many years ago. I love mechanical timepieces and was always impressed with the heritage, durability and just the general look of many of the Rolex sport models. To this day I could sell it for more than I purchased the watch fo...
by Candor
Thu Nov 06, 2014 9:18 pm
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 13689

Re: 27 yr old reaches $1m net worth

Apparently the military is paying enlisted? folks a lot better these days if he was making $55k/yr at such a young age. In 1989 I left the military after 4 years making $13k/yr and that was with $100 a month for jump pay. I had managed to save $10k though. :D
by Candor
Thu Oct 09, 2014 8:03 pm
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 39229

Re: Headed for a 300+ point loss today?

After the dot.com bust and 2008 I feel like I am mentally immune to market fluctuations. Hopefully I'm not suffering from recency bias. :D
by Candor
Sun Sep 07, 2014 9:45 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 13562

Re: A 'really good book' you did NOT enjoy

My pick would be A Brief History of Time. It's probably been 20 years since I gave it a go but even though the book was meant to dumb it down for the masses it apparently wasn't dumbed down quite enough for this one. :oops: If you're interested in the topics, you may want to consider A Briefer Hist...
by Candor
Sun Sep 07, 2014 9:27 pm
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 5734

Re: Coin Counting Machines

This is a little disheartening for me because I'm about to fill a large bottle of coins I've been working on for 20 plus years which I think has approximately 5k in it. I know, I know I could have xx amount in interest by now which isn't very bogleheadish. I've been dreading the day it's full and I'...
by Candor
Sun Sep 07, 2014 8:44 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 13562

Re: A 'really good book' you did NOT enjoy

War and Peace. I couldn't keep track of all the characters. I had the same problem ^^ As far as Shakespeare goes I apparently need an interpreter to explain it to me and then it is enjoyable. I took a class in college where we concentrated on a couple of his works and the professor really had a lov...
by Candor
Fri Aug 22, 2014 5:09 pm
Forum: Personal Consumer Issues
Topic: Servicing a Mechanical Watch
Replies: 8
Views: 782

Re: Servicing a Mechanical Watch

A good place to start with many knowledgeable folks. Vintage watch values can be adversely impacted by improper servicing.

http://forums.watchuseek.com/f21/
by Candor
Thu Aug 21, 2014 8:30 pm
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 2644

Re: B&H Photo - NY City Experience

B&H and Adorama are both very reputable companies. I have ordered high-end photography equipment from both with no issues. They are well known in photography circles as go to vendors.
by Candor
Sun Jul 13, 2014 8:56 pm
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 8442

Re: But why not 100% stock index fund?

Currently I'm at 92% at age 46 ...after 2000 I switched all the money outside of retirement acct's into cd's, I bonds and high yield savings acct's which is approx 25% of my financial worth. If 25% of your net worth is in CDs, I Bonds and savings then your AA is not 92% stocks...unless I'm reading ...
by Candor
Sun Jul 13, 2014 8:36 pm
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 8442

Re: But why not 100% stock index fund?

I have been over 90% stock funds, and at times 100%, in my retirement account since day one. Currently I'm at 92% at age 46 and will continue that general allocation for the next few years. The dot.com bust and 2008 were painful but I was able to keep perspective and soldier on. However, after 2000 ...
by Candor
Thu Jun 05, 2014 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here own a safe?
Replies: 91
Views: 13287

Re: Anyone here own a safe?

I read the thread pretty fast so I may have missed it but I didn't see a couple things mentioned that you may want to consider. You can add considerable weight to a safe by purchasing weightlifting plates or similar items if you have the room in the safe. Also, it may be worthwhile to put a cheap sa...
by Candor
Sun May 25, 2014 9:21 pm
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4681

Re: Hiring someone versus painting yourself

I took a week off to paint the exterior of my modest one story house years ago and wasn't even close to finishing it. I didn't work from sunup to sundown but I put in some serious time that week and couldn't believe how little I accomplished. I am pretty picky about prepping and making sure I do a q...
by Candor
Sun Apr 20, 2014 9:04 pm
Forum: Personal Consumer Issues
Topic: Binocular Recommendation Request
Replies: 13
Views: 802

Re: Binocular Recommendation Request

This is a recent thread asking the same question on a photography forum I frequent (in the bird section) and it has some good info. http://photography-on-the.net/forum/showthread.php?t=1372526 I have a set of Nikon Monarchs that I bought a few years ago that were highly rated at the time and have se...
by Candor
Thu Apr 03, 2014 9:01 pm
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 17449

Re: Expensive hobbies and possessions? (B/c you can...)

Photography. I have one lens that I bought a few years ago that cost $6k and I'm now thinking about upgrading to one that cost more than double. :oops: But it makes me happy. :D
by Candor
Mon Feb 17, 2014 10:33 pm
Forum: Personal Consumer Issues
Topic: What are reliable refrigerator brands these days?
Replies: 51
Views: 14069

Re: What are reliable refrigerator brands these days?

Unfortunately, my occasional meet-ups with our appliance repairman are very discouraging. When I ask him what brand he would recommend for purchase these days, his answer, for several years now, and regardless of the specific type of appliance being discussed, has usually been: "None. They're ...
by Candor
Fri Jan 03, 2014 10:55 pm
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 16986

Re: The Funniest Movie Ever

All of my favourites have already been listed except for one unless I missed it. I skimmed over the thread pretty quickly so I might not have caught it but O Brother, Where art Thou is near the top of my list and makes me laugh out loud every time I see it. Each time I watch I always catch nuances t...
by Candor
Fri Jan 03, 2014 10:38 pm
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 10084

Re: What is your winter thermostat setting (while you are up

I always knew deep down I was destined to be a one-percenter and to achieve that here at BH's really makes me appreciate the small things in life like a thermostat set to 76 degrees when it's 19 degrees outside. :D
by Candor
Fri Jan 03, 2014 9:57 pm
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4803

Re: What does a Bogle TV look like?

I bought the 50" Panasonic plasma tv that I have today many years ago and I remember the salesman trying to pressure me into buying an extended warranty. To my surprise he detailed all the problems my new purchase was prone to experience in the next 3 years and how expensive they could be. To t...
by Candor
Tue Dec 31, 2013 10:40 pm
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 10084

Re: What is your winter thermostat setting (while you are up

I'm surprised to see BH settings this low. I wear shorts and a t-shirt when I'm home so I keep it at a toasty 76 degrees and 70 when I go to bed. I have a high tolerance for cold weather but spend a fair amount outside during the day so I like my house to be warm and I have a modest house so the hea...
by Candor
Fri Dec 13, 2013 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 14257

Re: What percentage of your income are you saving?

It was threads like this that made me realize I needed to increase my savings. I was comparing myself to friends and family and feeling pretty good about my situation but when I really started crunching the numbers I came to the conclusion that I wasn't doing enough and these threads were also a goo...
by Candor
Tue Nov 26, 2013 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 3171

Re: Poll: House value as % of assets when mortgage paid off.

Paid off the house at the beginning of the year in a lump sum which was 10 years early on a 30 year mortgage. It was 35.6% of NW at the time and is now at 30.5%.
by Candor
Fri Nov 22, 2013 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Average Yearly Raises?
Replies: 97
Views: 6106

Re: Average Yearly Raises?

I've wondered how to calculate this when seeing others posting their % in the past so thanks for the formula. I also had to look up ^ not to mention find it on my keyboard. I was very surprised to be at 6.1% over the last 20 years for base salary.
by Candor
Sat Aug 24, 2013 9:06 pm
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1225

Re: Watch experts - I need some advice

The TAG has an ETA 7750 movement which is a really fine one and wholesales for about $500 alone. Must this be a surprise or could you let your wife (without knowing the prices) decide? There is a saying in the watch world that the best watch for you is the one you want. If you want to surprise her,...
by Candor
Thu Jul 11, 2013 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Are you Walking in your Father's footsteps?
Replies: 83
Views: 8859

Re: Are you Walking in your Father's footsteps?

I would guess my parents NW was zero at my age (45) although my father did have a small RAF pension. They had just recently purchased their first home and mine is paid off so there is really no comparison financially. They came from lower working class in England and a farming background in Appalach...
by Candor
Wed Jul 03, 2013 7:56 pm
Forum: Personal Consumer Issues
Topic: [what's new in amateur] Astronomy [equipment]
Replies: 19
Views: 1506

Re: [what's new in amateur] Astronomy [equipment]

Digital photography has come a long way in the last few years which allows even a hack like me to enjoy the night sky. That moon image stunning . Do you know how it was taken? That is obviously better than the famous series of moon photographs taken by the Lick observatory, which are what I grew up...
by Candor
Sat Jun 29, 2013 10:38 pm
Forum: Personal Consumer Issues
Topic: [what's new in amateur] Astronomy [equipment]
Replies: 19
Views: 1506

Re: [what's new in amateur] Astronomy [equipment]

Digital photography has come a long way in the last few years which allows even a hack like me to enjoy the night sky.

Image
by Candor
Sat Jun 29, 2013 9:32 pm
Forum: Investing - Theory, News & General
Topic: Spanked on Retirement, Gen X Still Doesn't Get It
Replies: 60
Views: 12127

Re: Spanked on Retirement, Gen X Still Doesn't Get It

At 45, single and no kids, I've recently paid off my modest house and currently save approx. 50% of my gross salary. I max out the 401k and have a sizeable emergency fund (for me) and still I'm not particularly confident about my retirement. I haven't always saved this much but generally I have live...
by Candor
Sat Jun 29, 2013 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 6152

Re: 25 years today (how long u been on the job ???)

I'm approaching my 20th year in a couple of months. Funnily enough my manager made a big deal of me hitting 20 years LAST year and I didn't bother to correct him so it will be interesting to see what happens this year. :D
by Candor
Sat Jun 15, 2013 9:16 pm
Forum: Personal Consumer Issues
Topic: [EveryDay Carry] EDC pocket knife?
Replies: 69
Views: 5095

Re: [EveryDay Carry] EDC pocket knife?

A Khukri! Just kidding. A 940.
by Candor
Sat Jun 15, 2013 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Will insurance cover this flooded car?
Replies: 16
Views: 999

Re: Will insurance cover this flooded car?

Water damage (beyond a flood) should be a covered loss under your comprehensive coverage. I would contact your insurance company asap because they will make their own determination whether the vehicle is worth repairing or not and the longer water damage is allowed to sit the more potential damage.
by Candor
Sun Jun 09, 2013 9:30 pm
Forum: Personal Consumer Issues
Topic: Renting Tires
Replies: 19
Views: 2060

Re: Renting Tires

I have also seen some folks rent their 22 inch wheels and low profile tires on a weekly basis. They tend to be the same people with a title loan and an outrageous interest rate.
by Candor
Fri May 10, 2013 9:03 pm
Forum: Investing - Theory, News & General
Topic: 100% equities, anyone?
Replies: 149
Views: 10139

Re: 100% equities, anyone?

45 years old and my 401k is roughly 93% equities and has been 90+ since day one except for a brief period where it dipped a little below. Outside of retirement I'm 100% cash/equivalent which is about 13% of my NW and approx. 27% of my total savings/investments.
by Candor
Thu Mar 21, 2013 8:43 pm
Forum: Investing - Theory, News & General
Topic: What % of your income have you converted to wealth?
Replies: 52
Views: 6207

Re: What % of your income have you converted to wealth?

45 single and currently at 45% (44.6). Hopefully they will both continue on the northern path.
by Candor
Fri Mar 15, 2013 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 6841

Re: Cash - do you keep a stash on hand?

I never used to keep any cash in the house until recently reading a thread similar to this one either here or ER that prompted me to rethink that and now I'm throwing $20's here and there until I get $1k built up for emergencies. I have what I would guess is $4000-5000 in a change bottle that I have...

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