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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: 19
Views: 3047

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: 1868

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: 11876

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: 2244

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: 51
Views: 4426

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: 1850

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: 112
Views: 13924

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: 110
Views: 7997

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: 5431

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: 2683

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: 4659

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: 5077

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: 11725

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: 2514

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: 2302

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: 4566

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: 17356

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: 99
Views: 15237

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: 12803

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: 329
Views: 18000

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: 17356

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: 1162

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: 12803

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: 2365

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: 5116

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: 14
Views: 1006

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: 20193

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: 2078

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: 8286

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: 20193

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: 4277

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: 3067

Re: PBS NewsHour segment on Social Security

I'm 18-20 years away from SS, but given all the very complicated scenarios on the SS threads on this forum, I am strongly leaning towards paying a fee-based SS specialist to analyze our situation. But how do I go about finding the right person?
by Flashes1
Fri Feb 27, 2015 10:12 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 3804

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 dre...
by Flashes1
Fri Feb 27, 2015 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford my dream house?
Replies: 49
Views: 4277

Re: Spending trajectory for families with kids?

You definetely have control over how much you want to spend on them. My wife & I make a good living---and we want to support our kids' passions----so long as they work hard in those endeavors we want to financially support them. It's really fun to watch our kids really get into something---my 7 ...
by Flashes1
Thu Feb 26, 2015 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending trajectory for families with kids?
Replies: 45
Views: 3678

Re: Buying a home in SF Bay Area

Can you transfer to a lower cost part of the country and maintain your $110k salary? Otherwise, get a roommate and/or find a less expensive place to rent. I have major problems paying $500k for a shack in SF when that will get you a sweet pad pretty much anywhere else in the country. Plus, you might...
by Flashes1
Tue Feb 24, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 4413

Re: How much did you have saved up for retirement at age 30?

My NW was ~$120k as a single guy at 30 in 1998 (that's in 1998 dollars----I saved until my eyes bled when I was a bachelor--traveling auditor on a per diem). My NW didn't really take off until I married a good income producer at age 35 who was a saver----NW moved from $440k in 2007 to $370k in 2008 ...
by Flashes1
Tue Feb 24, 2015 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 13396

Re: AAPL

I'm really close to buying a little AAPL in my play money.....and UA.
by Flashes1
Mon Feb 16, 2015 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 213
Views: 46939

Re: TIAA-CREF dramatically increasing Expense Ratios

[color=#FF0000][ After all, it is far more important that TIAA pay CEO Roger W. Ferguson Jr. a salary of $13 million :moneybag a year than it is for a professor to have money saved for retirement. There's a good chance Vanguard pays its CEO even more. It's outrageous, but what can an individual inv...
by Flashes1
Sat Feb 14, 2015 8:26 pm
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF dramatically increasing Expense Ratios
Replies: 74
Views: 5869

Re: POLL: Do you personally own a cell phone?

I use my company provided smart phone. Most co-workers prefer to use their personal phones and access company email thru the "good" app. I forgo the personal phone so the company pays my monthly bill....they don't pay for personal phone usage.
by Flashes1
Mon Feb 02, 2015 10:21 am
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 92
Views: 6293

Re: How to respond when someone asks how much money you make

It's funny that it's a social faux pas for regular folks like us to know how much our colleagues make; however, many experts blame large executive pay precisely because they know how much other executives at rivals make, and they use it as leverage for higher pay. For example, the CFO at the very pr...
by Flashes1
Fri Jan 30, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10552

Re: SS Conclusion for Mom...Tell me if i'm right.

I'd recommend she postpone SS until 70 to build up her payment and live off his ample savings in the interim....this gives her some protection should there marriage get deep sixed. I might also start googling names of a good divorce lawyer who's busted up prenups......just in case something happens....
by Flashes1
Wed Jan 28, 2015 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Conclusion for Mom...Tell me if i'm right.
Replies: 12
Views: 1356

Re: 36 yo looking for early retirement

Wife is 35....you want kids...you're medical...you know human physiology..better get cracking. Wifey was hammering me the day she got out of residency.
by Flashes1
Wed Jan 28, 2015 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 36 yo looking for early retirement
Replies: 28
Views: 4783

Re: Are you CFP or Financial Planner: Seeking career advice

Financial planning is a tough industry to crack. Most begin by marketing themselves to friends and relatives. If you're a bartender---do you have any wealthy patrons you can hit up? Try it out on them before you make the leap. If they're receptive to the thought of giving you their investable assets...
by Flashes1
Tue Jan 27, 2015 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are you CFP or Financial Planner: Seeking career advice
Replies: 17
Views: 1199

Re: How to climb up in a megacorp

1. Make your boss look good. 2. Talk up your accomplishments without being a braggart. 3. Get to work before your boss and leave after they do. 4. Dress for success. 5. Be quick with a joke......be interesting....make people laugh. This creates bonds. 6. Stay in shape....be a snazzy dresser, but not...
by Flashes1
Tue Jan 27, 2015 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 5172

Re: Adopting

A relative adopted two kids from Russia approximately 5 yrs ago----one of the smartest things they did was go thru a reputable adoption agency that has boots on the ground in Russia. They sniffed thru the orphanages looking for the best candidates....not cheap, but very effective. They knew how to s...
by Flashes1
Mon Jan 26, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 29
Views: 2630

Re: Adopting

A relative adopted two kids from Russia approximately 5 yrs ago----one of the smartest things they did was go thru a reputable adoption agency that has boots on the ground in Russia. They sniffed thru the orphanages looking for the best candidates....not cheap, but very effective. They knew how to s...
by Flashes1
Mon Jan 26, 2015 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Adopting
Replies: 29
Views: 2630

Re: wife's purse

Now that I think about it, my first big splurge out of college was the purchase of a $100 Coach wallet which I use to this day-----a couple decades later.
by Flashes1
Mon Jan 26, 2015 12:39 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 4071

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

Why would your current expectations or concerns about the future be any more prescient or accurate than they were when you intitially invested in TIPS? You readily acknowledge that your fears regarding QE driven inflation have not come to fruition. I have some financial acumen...I work in corporate...
by Flashes1
Mon Jan 26, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 112
Views: 13924

Re: Time to stop driving for 85 yo MIL

We had this problem with my grandfather. He was ticked, but he was a danger to others. Early dimentia.

My father ended-up disconnecting the battery------he'd be sitting in his car bewildered why the car wouldn't start. It was really a very very sad ending to the greatest man I have even known....
by Flashes1
Mon Jan 26, 2015 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 6032
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