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Re: 1 day in San Francisco, no car

Rent bikes around Fisherman's Wharf and ride them over Golden Gate Bridge---then ride up the other side of the coast, and take ferry back to Fisherman's Wharf. Not sure when you're going, I can attest to Frisco being effing cold in July. Left Pittsburgh on July 3 when it was 100 degrees out---we wor...
by Flashes1
Fri Apr 24, 2015 8:05 am
 
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 1280

Re: Who still have Cable TV?

We have DirecTV. I watch a lot of College Football and NFL, and a little MLB; Wife watches her "The Duggars," and kids what "river monsters."

I'm not sure what we would do without it.
by Flashes1
Fri Apr 24, 2015 8:01 am
 
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2553

Re: Friend's house burnt, Helping him start new financial li

Smells fishy. I'd tell him to go fly a kite.
by Flashes1
Tue Apr 21, 2015 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend's house burnt, Helping him start new financial life?
Replies: 20
Views: 2166

Re: Family member asking for money

I say tell him to go to helll....but maybe put a little more delicately. :D

He lives in a big fancy house while you live in a small one? Yea, okay.
by Flashes1
Tue Apr 21, 2015 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13523

Re: Defined Benefit Plan help

That is an outstanding pension. Most plans pay no more than 1.25% of average salary.
by Flashes1
Fri Apr 17, 2015 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit Plan help
Replies: 9
Views: 732

Re: Gifts to take to Scotland.

Stanford golf jacket / wind breaker.
by Flashes1
Wed Apr 15, 2015 8:01 am
 
Forum: Personal Consumer Issues
Topic: Gifts to take to Scotland.
Replies: 33
Views: 2129

Re: Vehicle for tall people/Spouse wants 50k car help!

I'm a big fella----the Ford Explorer works well for our family of 4---but if there's a strong chance of 3 kids in the next 5 years you're going to need something bigger...even an Explorer with a 3rd row isn't going to cut-it. So a Lexus 350 or X5 will be way too small. You need something with a true...
by Flashes1
Wed Apr 15, 2015 7:50 am
 
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 5507

Re: Does your family know about your net worth (ball park)?

1. My parents know that I'm a millionaire because I told them...not to brag, but just to let them know I'm doing okay. 2. My BIL is a named officer of a Fortune 100 company so his compensation is reported every year with the SEC (and is thus public information via an 8-K). :P He just loves that-----...
by Flashes1
Tue Apr 14, 2015 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11172

Re: Netflix DVD delivery slowdown?

Update: my delievery appears to have been slowed a day. Not sure if it's merely coincidental, but it slowed down around the same time we added the Streaming service. Either way, I'm very annoyed.
by Flashes1
Mon Apr 13, 2015 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 110
Views: 17533

Re: 529 -- How much to invest?

We saved approx. $8,000/year per kid their first 5 years which coincided with a the 2009-present bull market----so the balances have grown to levels I'm happy with. I since pulled the 529 contributions back to the maximum state deduction level. Any shortfall between the 529's and actual college cost...
by Flashes1
Mon Apr 13, 2015 6:13 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 -- How much to invest?
Replies: 11
Views: 1396

Re: Prenup

Any lawyers on the board? I saw another poster state negotiating alimony payments in a prenup----example: one spouse makes $500K and the other makes $200k.

Can future alimony be accounted for in a prenup? It doesn't seem possible, but curious.
by Flashes1
Fri Apr 10, 2015 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5016

Re: Has Anyone had a Credit Card Cancelled for not Using It

Banks look increasingly at customer profitability.....unused products are not generating the banks any money. Goodbye customers. The banks have to secure and pay for funding sources-----this costs them money if the accounts aren't used.
by Flashes1
Fri Apr 10, 2015 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 3729

Re: Prenup

I think this is the perfect example of when a prenup is not required.
by Flashes1
Fri Apr 10, 2015 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 80
Views: 5016

Re: Two Comma Club

You can't proclaim various financial milestones in public, and if I say anything to my wife about them, she looks at it as a reason to cut-back her hours. So guess what? The internet is my only outlet.
by Flashes1
Fri Apr 10, 2015 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 66
Views: 8761

Re: Might Go $4,000 AAPL

I put 2% of assets in AAPL a month ago---it promptly decreased approx. 5%----but that always happens after I buy something. It's slowly coming back. I've been wanting to buy some MPC and UA.
by Flashes1
Mon Apr 06, 2015 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Might Go $4,000 AAPL
Replies: 68
Views: 5213

Re: Beach vacation in So Cal

I enjoyed my stay at the Hilton-Huntington Beach last year. It's right across the street from a nice part of the beach, and a short walk to the pier. Safety was not an issue......decent pool, but not what I consider a big resort style pool. Within walking distance of many restaurants. While I didn't...
by Flashes1
Mon Apr 06, 2015 7:42 am
 
Forum: Personal Consumer Issues
Topic: Beach vacation in So Cal
Replies: 52
Views: 4266

Re: Should I Buy a Used Motorhome

I like the sign on the front of it. :) It let's everyone in the RV park know the party's ready to begin.
by Flashes1
Mon Apr 06, 2015 7:34 am
 
Forum: Personal Consumer Issues
Topic: Should I Buy a Used Motorhome
Replies: 26
Views: 2011

Re: Did you learn anything from 2008?

I learned that your money can be taken away in a blink of an eye. I work in banking, so watching venerable firms like Lehman, Wachovia, Bear Stearns, Merrill Lynch, and NCC, disappear, was surreal. We were closer to a 2nd Great Depression than most people realize. It'll happen again.
by Flashes1
Fri Apr 03, 2015 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 8499

Re: Bear market warning sign

Due to my annual bonus being paid on 2/28, I made a big 401k contribution that day-------of course the markets have been very dicey since then! Why does it alway have to be painful.
by Flashes1
Tue Mar 31, 2015 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 27
Views: 5172

Re: WSJ Delivery Record - Dismal

malabargold wrote:I believe its printed off regionally by your local paper's presses and delivered with the local
papers carriers - we had a similar issue but complained to WSJ a few times and they were
straightened out.

Give them feedback


This.

The guy who delivers my local paper, delivers my WSJ.
by Flashes1
Thu Mar 26, 2015 10:09 am
 
Forum: Personal Consumer Issues
Topic: WSJ Delivery Record - Dismal
Replies: 25
Views: 1945

Re: Restaurant tipping

I'm fascinated by how much passion tipping stirs up on this board. There are true believers on both sides of the argument and people really take it personally. The typical Boglehead is a millionaire----yet we quibble about should we tip 20% of the pre-tax or post-tax amount. :D
by Flashes1
Thu Mar 26, 2015 10:05 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 12509

Re: Exploring the Florida Keys

It's been 20 years, but the most memorable drive of my life was the drive from Miami to Key West. Beautiful!
by Flashes1
Thu Mar 26, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: Exploring the Florida Keys
Replies: 22
Views: 2326

Re: Building a new house. Any recommendations?

1. 5" woodwork looks custom (I think it's 5", but whatever the width is---go for the wider than normal woodwork). Nominally more expensive, but looks sharp. 2. Research it yourself, but get a top notch french drain installed at the bottom of the foundation. We have one in our new house, an...
by Flashes1
Thu Mar 26, 2015 7:42 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 5196

Re: Huge Tax Bill !!

A wise man once told me to never skimp on medical advise, legal advise......and tax advise. You may want to find a good tax guy. That's what wealthy people do.
by Flashes1
Thu Mar 26, 2015 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Huge Tax Bill !!
Replies: 10
Views: 1866

Re: Is it time to give-up on TIPS?

OP here: thanks for letting me vent---I need to do that sometimes. Thanks to the board's feeback, I stayed the course regarding TIPS. One post in particular resonated with me----paraphrasing here but it went "should you continue to have the same concerns that got you to buy TIPS in the first pl...
by Flashes1
Thu Mar 26, 2015 7:01 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 113
Views: 14584

Re: Whats a good Pistol to buy?

Smith & Wesson.

I have a .357 Magnum which is just a beautiful instrument; a real piece of art......I'd buy the 40 caliber S&W if I wanted something smaller. My other pistol, is the Colt .45 ACP-------American metal. No Euro junk for me.
by Flashes1
Tue Mar 24, 2015 6:43 am
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 8926

Re: Fish from Costco?

I can promise you the Kirkland branded canned tuna is a choicer quality than the cannery's own branded label (a top 3 brand). I've seen it come off the line, and from the lips of the Director of Operations at the cannery. It's something Costco negotiated after giving the cannery exclusive rights to ...
by Flashes1
Tue Mar 24, 2015 6:38 am
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 44
Views: 5753

Re: helping adult children with house downpayment

barnaclebob wrote:My dad and his wife gifted me 20k for our house down payment. The bank had us and maybe them sign some a paper stating it was a gift with no promise to repay. No other effects besides that.


This
by Flashes1
Wed Mar 18, 2015 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: helping adult children with house downpayment
Replies: 30
Views: 2730

Re: At what point is it too much house? How much do we need

Go big, or go home. We have an 1st floor 42" TV for normal TV watching, a dedicated room in the basement with a 58" TV for gaming and I like to watch my DVR'd TV shows here after kiddies go to bed, and a dedicated home theater in the basement with projector and a 135" screen for movie...
by Flashes1
Fri Mar 13, 2015 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4809

Re: Bonus received. But its not what was agreed upon. Advi

A famous lyrist once said: "girl, don't go away mad, just go away."
by Flashes1
Fri Mar 13, 2015 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 5286

Re: Dip? What Dip? Did you catch it?

There seems to be a little more bearish sentiment the past couple weeks.....I just have major problems pulling the trigger because I alway worry there's more room on the downside (that's why 99% of my investments are automatically invested)----but I have a small amount of money market funds that I w...
by Flashes1
Fri Mar 13, 2015 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 12578

Re: Do bogleheads invest in a retirement home?

If you knew exactly where you wanted to retire, and could use it occasionally pre-retirement......I'd say go-for-it.
by Flashes1
Fri Mar 13, 2015 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Do bogleheads invest in a retirement home?
Replies: 19
Views: 2575

Re: Help! 401k Refund for Highly Compensated Employee

I would push senior management to correct whatever is making your plan appear to be not entirely Safe-Harbor compliant. It's my understanding that certain things like not paying the pro-rated amount of departing employees' 401k matched amounts is non-compliant. Additionally, seek the reasons why oth...
by Flashes1
Fri Mar 13, 2015 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Help! 401k Refund for Highly Compensated Employee
Replies: 32
Views: 2421

Re: How much house can we afford by Boglehead standards?

Regarding daycare: start doing your due diligence now----your wife is in a unique position as a teacher to meet a lot of moms----find out what the other working moms are doing. There's a lot of "private" babysitting places (basically someone's house)----where they watch 7-8 kids. They're f...
by Flashes1
Fri Mar 13, 2015 7:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford by Boglehead standards?
Replies: 31
Views: 4750

Re: What are some common misconceptions found in this forum?

"Splurging on anything but vacations is non-Boglehead." Pure rubbish. +I big time. And if you want or have splurges, new cars, large homes, expensive engagement rings and watches, etc, it's because you've been brainwashed by advertising, only want them for show and for keeping up with the...
by Flashes1
Fri Mar 13, 2015 6:51 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18105

Re: Netflix DVD delivery slowdown?

No change for me----I just dropped one in the mail today (Thursday) and should have my new one on Saturday---I'll report back if any problems. We just got streaming and wife and kids love it for their shows------however, there's no new movies to stream-----that's a back breaker to me. Watching old m...
by Flashes1
Thu Mar 12, 2015 10:34 am
 
Forum: Personal Consumer Issues
Topic: Netflix DVD delivery slowdown?
Replies: 110
Views: 17533

Re: Do you really need 2.5 million to retire well?

Even moderate to high earners don't need that much... Here's the example I often use... $100k family saves $10k a year pays $24k a year on a mortgage pays $6k in payroll taxes really living on $60k a year... In retirement, you won't need to save, pay a mortgage, or pay payroll taxes, so there's 40 ...
by Flashes1
Wed Mar 11, 2015 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 13180

Re: Will you buy an Apple Watch?

I remember shortly after launch of the Ipad nearly nearly everyone on this board said it served no purpose, and they wouldn't buy one. I'm not saying the Iwatch will or will not sell, but I think this board is a poor predictor of what Apple products will be successful.
by Flashes1
Wed Mar 11, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 355
Views: 21999

Re: What are some common misconceptions found in this forum?

"Splurging on anything but vacations is non-Boglehead."

Pure rubbish.
by Flashes1
Wed Mar 11, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18105

Re: Buying a Mountain Condo

If you're going to use it, I say go for it. You can clearly afford it. Being a Boglehead means enjoying one's resources.
by Flashes1
Wed Mar 11, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Mountain Condo
Replies: 12
Views: 1186

Re: Do you really need 2.5 million to retire well?

Approx. 75% of our investable assets are in tax deferred accounts----the tax implications worry me. I'm 46 and I'm thinking we need $2.5MM saved and $1MM of house equity at the time of retirement (to pay for retirement house). Plus a $24k/year pension and both my wife & I with ~$17k/year SS. Tha...
by Flashes1
Wed Mar 11, 2015 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you really need 2.5 million to retire well?
Replies: 121
Views: 13180

Re: Anyone fans of the CNBC show American Greed???

The sweet sounds of Stacy Keach's voice make it even better. Definitely one of my favorite shows----love the stories of the guys living it up and then getting torn down.
by Flashes1
Fri Mar 06, 2015 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Anyone fans of the CNBC show American Greed???
Replies: 32
Views: 2499

Re: Who's going to Disney this summer?

We're doing a 4-day Disney Cruise in June----due to my wife's insistence. Not cheap----but wife says it includes all day child care----so that's worth it's price in gold.
by Flashes1
Fri Mar 06, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5324

Re: Seeking carbon efficient S&P fund

I wonder if Google is in this fund? The company has a fleet of jets they use to fly for weekend trips in Europe. Doesn't even begin to touch on the amount of fossil fuels burned so their customers can view mindless Youtube videos. Just curious.
by Flashes1
Mon Mar 02, 2015 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking carbon efficient S&P fund
Replies: 19
Views: 1465

Re: Do you consider mortgage payments as savings?

Anyone arguing that equity in a house is not an asset, and is thus not included in Net Worth, has never taken an Accounting class. It's a basic principle of Accountancy....founded by the Italians so long ago.
by Flashes1
Mon Mar 02, 2015 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 21570

Re: Professional tax advice - when is it worth it?

A wise person once told me to not skimp on 1) medical care, 2) legal advise, and 3) tax help.
by Flashes1
Mon Mar 02, 2015 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Professional tax advice - when is it worth it?
Replies: 25
Views: 2182

Re: Buy and Hold Forever Stocks

There's a list somewhere of companies that have increased their dividends every year for +50 years. I think those would be good candidates-----they've proven to withstand several major economic downturns and a 2-3% dividend yield is very close to a bond.
by Flashes1
Sat Feb 28, 2015 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 101
Views: 8636

Re: Do you consider mortgage payments as savings?

I don't consider the principle portion of my mortgage payment savings, although I do include the equity in my home as part of my Net Worth.
by Flashes1
Sat Feb 28, 2015 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 21570

Re: Can I afford my dream house?

Life is about priorities. If you want a nice house to raise your family, and you have the means, then go for it. Just buy a house that you can afford, and guess what, if you have to work until you're 57 instead of 55, it's not the end of the world. That's what my wife and I did, but $740k buys a dr...
by Flashes1
Sat Feb 28, 2015 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4405

Re: Car Accident in Front Yard

In the time it took to take the pictures and post here---couldn't you just pick up the plastic pieces? It doesn't seem like a big deal. More concerning, is a drunk driver can just come barreling thru your front yard.
by Flashes1
Fri Feb 27, 2015 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Car Accident in Front Yard
Replies: 34
Views: 3154
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