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Re: Adoption

My sister adopted two children from Russia 2-3 years ago (at the time they were approx. 1 & 3 years old---unrelated), but fear that Vlad has since shut it down. Turned out great---they went thru an agency that took care of everything----traveling 2 times to Russia was the toughest part. Great ki...
by Flashes1
Fri Oct 24, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 9
Views: 834

Re: Best place (with warm weather) to raise children

I'd caution anywhere in California. Great place to visit, but to tie my family there? Not so much.

I'd look at Texas, Alabama, Tennessee and North Carolina. All fiscally conservative, business friendly, and great flagship state universities that aren't hemmoraging cash like they are in California.
by Flashes1
Fri Oct 24, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 4974

Re: Do you regret buying your home?

I love our home....it's a custom house with everything I wanted. Big Maple trees in the back, putting green, hot tub, outdoor fireplace, screened-in-porch, home theater in the basement, indoor fireplace, and whole house Sonos. It's a fun place to raise our 2 young kids.
by Flashes1
Fri Oct 24, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 68
Views: 4752

Re: Cleaning Up Leaves

I drag my leaves into the woods. The perfect compost for my beloved trees.
by Flashes1
Sat Oct 11, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3013

Re: manipulating Amazon reviews

I don't give as much credence to a review if there's no "cons" mentioned. Every product has a "con." But I base a lot of my Amazon purchases on product reviews (particularly if there's a lot of 1-2 star ratings) so I can see why companies would want to monitor them.
by Flashes1
Fri Oct 03, 2014 6:59 am
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 2920

Re: Jack and Jill Bathroom a problem?

Being affluent does present new and fun conundrums! We have a J&J and love the configuaration....each kid's bedroom has it's own sink (perfect for brushing teeth, getting a drink of water, etc).....and they both connect to the room with commode and the shower....seems pretty cool to me....we esp...
by Flashes1
Thu Sep 25, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Jack and Jill Bathroom a problem?
Replies: 18
Views: 1884

Re: A safe full of cash

If I had $50 million liquid....I would have some safe havens to fall back on if necessary.....$1 million cash in a Caribbean bank and another million in a South American bank..(which don't report interest to Uncle Sam)...safe deposits in 4 different banks around the country of varying sizes with app...
by Flashes1
Fri Sep 19, 2014 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3084

Re: How much you need to save as multiple of salary

I work for a large company that is often called a leader in retirement packages. They have stopped matching on each paycheck and instead match in one lump sum at the end of the year. If you are no longer employed by that time you do not get the match for that year. You lose out on the time-value of...
by Flashes1
Wed Sep 17, 2014 8:11 am
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6373

Re: Good hobby for a bright/obsessive 9 year old?

My 9 year old plays Call of Duty---but turn off the audio of the other players. I look at it as good preparation should they one day choose a career in the military.
by Flashes1
Tue Sep 16, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3215

Re: Tract Home - Things to Watch During Construction

We built a custom home 2 years ago after living in a tract. Just a couple things: 1. I'm unsure exactly what the custom builder installed, but he said he put some kind of a French Drain around the outside perimeter of the house. I haven't heard the sump pump discharge once in 2 years. This is after ...
by Flashes1
Wed Aug 20, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3326

Re: Flooring for home gym

If you have the means, you have to use 3/8" Rubber Flooring. Same stuff that Lifetime uses....looks tits, and is basically indestructible. We built our house a couple years ago, and it's one of the best things we did. It's so heavy duty, a semi-truck delivered it. I'm not familiar with that pr...
by Flashes1
Sun Aug 10, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1329

Re: Flooring for home gym

If you have the means, you have to use 3/8" Rubber Flooring. Same stuff that Lifetime uses....looks tits, and is basically indestructible. We built our house a couple years ago, and it's one of the best things we did. It's so heavy duty, a semi-truck delivered it.
by Flashes1
Sun Aug 10, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1329

Re: Advice for a young Australian Investor

No specific advise to the OP as other posters have done a great job, but I just wanted to say that I admire the OP's planning abilities at such an early age. Well done....now you just have to execute your plan.
by Flashes1
Thu Jul 31, 2014 7:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young Australian Investor
Replies: 17
Views: 1180

Re: Saudi Arabia?

ASUGrad wrote:You can already invest in a Saudi Arabia. Its called oil.

What else does that country have thats meaningful enough for global investors to go "oh yeah, I have to invest in that!"


[OT comment removed by admin LadyGeek]
by Flashes1
Thu Jul 24, 2014 7:12 am
 
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1415

Re: How much house should I buy? (young person with many ass

You're almost a millionaire at age 25, and you've suffered the indignity of living with your parents post-college.....if you want to buy a house, buy a house. You've heard from a LOT of boring cheapskates so far. Live a little and spend some of your money....so long as it's for something like a hous...
by Flashes1
Fri May 23, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 5863

Re: Can I be a boglehead and join a golf club?

FYI: John Bogle belongs to one of the most elite golf clubs in the country. If it's good enough for him, it's good enough for one of us.
by Flashes1
Mon May 12, 2014 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4719

Re: caribbean cruise with children

Doing a Disney cruise next year.....it was pricey but wifey wanted....so wifey got.
by Flashes1
Mon May 05, 2014 7:37 am
 
Forum: Personal Consumer Issues
Topic: caribbean cruise with children
Replies: 29
Views: 1706

Re: Socially Responsible (Progressive) Fund Options

I just took a look at the top holdings of Vanguard's Socially Responsible Fund and had a good laugh. My employer is even on there....hahahaha.
by Flashes1
Tue Apr 29, 2014 7:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 9103

Re: Socially Responsible (Progressive) Fund Options

I would like to know which companies are considered "good" enough to be considered socially responsible? Someone like Apple or Samsung that uses virtual slave labor in China to make their products, or Google whose in bed with Red China and whose owners fly their jets all over the world for...
by Flashes1
Tue Apr 29, 2014 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 9103

Re: should I break down and buy a gold coin?

I view my silver and gold coins as works of art, and historical treasures.
by Flashes1
Tue Apr 29, 2014 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: should I break down and buy a gold coin?
Replies: 20
Views: 2086

Re: Where would you retire, if $ were no object?

Naples, Florida or on a cliff overlooking Pebble Beach.
by Flashes1
Tue Apr 29, 2014 7:19 am
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19386

Re: What's your number?

I'm 46, wife 38...2 kids aged 8 & 6...I peg my number between $2.5-$3 million, paid-off house, ~$20,000/year pension and two social security checks. Would like my FU money at 61-62. The key will be to convince my wife to work another 4-5 years part-time while I'm retired. That will be the sales ...
by Flashes1
Fri Apr 25, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31822

Re: Career advice: Where an entry level finance job leads...

Grt2bOutdoors wrote:
Flashes1 wrote:You gotta pay your dues...feel some pain, but like fraternity pledgeship, there's light at the end of tunnel.


Some fraternity memberships can also put you in jail. Be careful who you fraternize with.


Oh yeah, I should still be in jail for some of the stuff I was exposed to. (serious)
by Flashes1
Thu Mar 13, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice: Where an entry level finance job leads...
Replies: 10
Views: 842

Re: Career advice: Where an entry level finance job leads...

I probably should have read your qualifications more carefully, but I see you have a Journalism degree with Paralegal job experience. Not exactly standard....but it's workable if you play your cards right. First thing I'd do---recognize your strengths: Legal: a position called "Portfolio Manage...
by Flashes1
Thu Mar 13, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice: Where an entry level finance job leads...
Replies: 10
Views: 842

Re: Career advice: Where an entry level finance job leads...

Regarding STT specifically....how much are you in demand? STT is not close to being the most glamorous, but it's highly recognized, and respected for its stability. If you have competing offers from JPM, CS and STT....no brainer..you take the other two jobs, but maybe you're not in that position giv...
by Flashes1
Thu Mar 13, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice: Where an entry level finance job leads...
Replies: 10
Views: 842

Re: Career advice: Where an entry level finance job leads...

Banking is highly specialized with a gazillion areas: Equipment Finance, Capital Markets, Corporate Lending, Commercial Lending, Community Lending, Retail, Compliance, and most tend to stay in that area their whole careers. Unless you have really strong academic credentials from an Ivy League type o...
by Flashes1
Thu Mar 13, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice: Where an entry level finance job leads...
Replies: 10
Views: 842

Re: Is 529 plans that bad? [White Coat Investor article]

Maybe a $15K advantage isn't much for the physicians that site is targeting, but it is for a lot of people. Plus the withdrawal restrictions keep you from blowing the money before junior hits college. I think you hit the nail on the head. People earning +$300k don't need to worry too much about $15...
by Flashes1
Tue Mar 11, 2014 7:43 am
 
Forum: Investing - Theory, News & General
Topic: Is 529 plans that bad? [White Coat Investor article]
Replies: 35
Views: 2506

Re: Purchasing physical gold??

Gold/Silver is very good for keeping big government in the dark. They have no idea who has what and how much they have. Depending on where you live in this country, this can be an important reason to hold physical gold/silver. As others have mentioned it might have value in the event of an economic ...
by Flashes1
Tue Mar 11, 2014 7:36 am
 
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 45
Views: 5004

Re: Job Offer Negotiation / Interview Snafu

how exactly are they making you take your own vacation time - when it's company mandated time off. I doubt they are forcing you to go in to the reporting tool and clock those hours as personal vacation. They tell you to take the time off....and if you're a good worker bee, you take it off. My compa...
by Flashes1
Mon Mar 10, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 31561

Re: How did you get through the market crash in 08-09

I sat tight, but was admittedly depressed watching my net worth drop 50%. I looked at what I could have bought with that money, and froze. Fortunately, I didn't sell, but it was a scary 6 months. I have a little different perspective because I'm in banking, and watching some of the most storied and ...
by Flashes1
Mon Mar 10, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5966

Re: California getaway

I went here for a business conference, and loved it. The outside restaurant is on a cliff overlooking the Pacific....with an outdoor gas fire pit, too. Did some whale watching. There's a beach, but it's small, but the hiking is fairly good. Would be nice for a 3 day trip, close to LAX. http://www.tr...
by Flashes1
Wed Mar 05, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2391

Re: Move to California means what $ ?

I'll chime in that the 10% state income tax is a real kick in the gut. Yeah, but my property taxes are less than half what my NJ kin pay, and that can cover a lot of purchases. I agree, and would give my left nut to have such low property taxes in Ohio. If you rent or live in an inexpensive home it...
by Flashes1
Tue Mar 04, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 4683

Re: Cheap ammo

My father loads his own ammo. Buys his supplies at gun shows with cash. No trace back to the BATF. Recommend gun shows.....you can buy literally anything there.....make contacts and you'll never be traipsing over to Wal-Mart again.
by Flashes1
Mon Mar 03, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2561

Re: Please help with my SUV purchase

We bought a 2013 Ford Explorer, and love it. Best features: Nav system with rear camera and the dual DVD system for the kids. It's a beautiful truck, and has a lot more personality than something like a Honda Pilot or a Hyundai Sonta (which are great if you're just looking for basic transportation).
by Flashes1
Mon Mar 03, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Please help with my SUV purchase
Replies: 40
Views: 3042

Re: Negotiating with a contractor?

I'm leery of negotiating too hard with contractors because I feel they will either short-cut on the quality of labor or materials.
by Flashes1
Mon Mar 03, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Negotiating with a contractor?
Replies: 12
Views: 1067

Re: [POLL] What do Bogleheads DRINK?

American craft beer is my preferred liquid.
by Flashes1
Mon Mar 03, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 71
Views: 4560

Re: Math with Wine is Hard: Traditional 401k vs Roth 401k

We're right at the bottom of the 33% tax bracket.....which subjects us to the dreaded AMT. The traditional 401k contribution has been a great way to reduce our income tax liability given we can't deduct for property taxes and some other deductions. Therefore, I haven't been doing the Roth 401k; howe...
by Flashes1
Tue Feb 11, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Math with Wine is Hard: Traditional 401k vs Roth 401k
Replies: 35
Views: 2463

Re: My kids want a treehouse -

investingdad wrote:My friend stocked his with...ahem...girly mags. :D


That's where I kept mine. I found a pile of them hidden in the woods (a young boy's dream come true).
by Flashes1
Tue Feb 11, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2951

Re: Wall Street the Movie

I think Wall Street is one of the most important movies in cinematic history because it best captures a specfic time period in American history. It captured the emergence of the "corporate raiders" and the general greed that was prevalent at the time. The U.S. was emerging from the economi...
by Flashes1
Mon Feb 03, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Wall Street the Movie
Replies: 30
Views: 2297

Re: Does anyone have a bat house?

Hey, it's funny you should ask because I bought one a year ago but haven't put it up yet. The tree I was going to attach it too was too far gone and had to be cut down so it looks like I need to buy around a 25' pole to affix it to. I bought mine on Amazon.....it was very highly rated, already built...
by Flashes1
Wed Jan 29, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone have a bat house?
Replies: 31
Views: 1999

Re: Truly high earners (>$1M/year) how'd you do it?

Wagnerjb wrote:[


Even if they are, they have enough common sense not to brag about their income, especially on a public board.[/quote]

One of the primary separators of new vs. old money.
by Flashes1
Tue Jan 14, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Truly high earners (>$1M/year) how'd you do it?
Replies: 64
Views: 7156

Re: Truly high earners (>$1M/year) how'd you do it?

VictoriaF wrote:[It seems that most responses are from people who know someone making over $1m/year, but not necessarily making it themselves.

Victoria


Most people making $1 million/year are probably not on message boards, especially during working hours.
by Flashes1
Tue Jan 14, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Truly high earners (>$1M/year) how'd you do it?
Replies: 64
Views: 7156

Re: Truly high earners (>$1M/year) how'd you do it?

Not sure if spending a life that way is worth it. You only go around once. Don't think I want to mark my life as being someone's "guy." Maybe the question should be "+1M non-investment income and still have time for life?" Where did I say I endorsed this life style? The OP asked...
by Flashes1
Tue Jan 14, 2014 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Truly high earners (>$1M/year) how'd you do it?
Replies: 64
Views: 7156

Re: Truly high earners (>$1M/year) how'd you do it?

My brother-in-law makes +1 million/ year. It appears his secret was having the right mentor when he began working for a Big 4 accounting firm out of college and extremely hard work. Work comes before everything else (including family). If the boss is in the office every Saturday morning, you better ...
by Flashes1
Tue Jan 14, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Truly high earners (>$1M/year) how'd you do it?
Replies: 64
Views: 7156

Best Residential Golf Course Communities in Florida

What are the best ones in the Sunshine State----or coastal Georgia and South Carolina: 1. Homes from $700-$900,000 2. Resort feel including golf course, tennis courts, big pool, and of course, shuffle board! 3. Active social calendar 4. Prefer to be within 5-8 miles of the ocean, but would consider ...
by Flashes1
Fri Jan 10, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: Best Residential Golf Course Communities in Florida
Replies: 1
Views: 234

Re: Do you own / have you owned a Chevrolet Volt?

Neighbor has a Volt, and really likes it. He works 15 miles from home so he's able to run off just electricity 90% of the time.....which means he hasn't needed an oil change in 8 months. He did recommend getting the "upgraded" charger which speeds up the charging time to 3 hours (I think t...
by Flashes1
Mon Jan 06, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Do you own / have you owned a Chevrolet Volt?
Replies: 39
Views: 4555

Re: Europe with young kids - 6 and almost 3, bad idea ?

I'd rather slit my wrists than take my kids some place far away such as Europe.
by Flashes1
Mon Dec 30, 2013 8:58 am
 
Forum: Personal Consumer Issues
Topic: Europe with young kids - 6 and almost 3, bad idea ?
Replies: 34
Views: 2264

Re: Quality of NY Times reporting declining?

The NYT has been in a long, slow decline for over a decade. The Jason Blair plagiarism scandal started it all, and now, rather than reporting the news, they're championing specific political agendas.
by Flashes1
Mon Dec 23, 2013 8:06 am
 
Forum: Personal Consumer Issues
Topic: Quality of NY Times reporting declining?
Replies: 9
Views: 1073

Re: Help with Chase HSA Investment selection

I'd pay-off that Personal Loan before I put too much in a HSA.
by Flashes1
Thu Dec 19, 2013 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Chase HSA Investment selection
Replies: 7
Views: 537

Re: Got my first gold bullion coin!

I do enjoy collecting old silver coins. No major money involved, but it's satisfying to hold something minted a 100 years ago.
by Flashes1
Thu Dec 19, 2013 9:47 am
 
Forum: Personal Consumer Issues
Topic: Got my first gold bullion coin!
Replies: 37
Views: 3434
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