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Re: Experiences using VRBO, Airbnb internationally

Can you tell by most postings if the owners are local or American?
by Flashes1
Mon Nov 24, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 15
Views: 654

Re: Bogleheads, tell me about your 40's?

I'm in my mid-40's now and learned: 1. I'm never going to be Gordon Gekko who was my idol in college. 2. I don't want that BMW that I dreamed of in college. 3. It's harder to keep off the lbs. and be really active in my young kids' lives. 4. More aches & pains. 5. Hangovers can last 2 days after...
by Flashes1
Fri Nov 21, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 100
Views: 12745

Re: How to buy "junk" bonds as an individual investor?

I think the OP is talking about buying individual bonds but he/she sounds unsophisticated. No offense to the OP, but unsophisticated investors can be fleeced pretty easily especially in this type of investing. I think individual bond purchases can be very lucrative for the individual when done right...
by Flashes1
Sun Nov 16, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: How to buy "junk" bonds as an individual investor?
Replies: 24
Views: 1230

Re: Inheritance/Retirement Planning Question

With your age, income and savings rate, I would recommend staying at a Disney hotel rather than the Days Inn. Enjoy your money a little bit. And I think an inheritance needs to be considered...I certainly wouldn't put all my eggs in that basket, but it would be in the back of my mind. Use good judgm...
by Flashes1
Tue Nov 11, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance/Retirement Planning Question
Replies: 25
Views: 1900

Re: New Tony Robbins Book on Financial Freedom

He's a strong Boglehead.
by Flashes1
Mon Nov 10, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 59
Views: 10747

Re: Messy baby restaurant etiquette

I try to clean-up my kids' mess the best I can--------then leave an extra big tip to the server.
by Flashes1
Mon Nov 10, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4480

Re: Pension lump sum offer - am I thinking clearly?

By law, I thought every pension had to offer a spousal benefit? And if you choose the single life annuity, that the spouse had to sign-off on it (to prevent non-suspecting spouses from being left in a lurch after their spouses early death)? I'm still 15 years from retirement, but I'd like to diversi...
by Flashes1
Thu Nov 06, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension lump sum offer - am I thinking clearly?
Replies: 32
Views: 2376

Re: Company force moving me to headquarters -what to expect

Most large companies will pay for moving expenses, realtor commissions, and COL increases to the new city. But it might depend on where you are in the food chain, and how well the company is performing.
by Flashes1
Thu Oct 30, 2014 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Company force moving me to headquarters -what to expect ?
Replies: 8
Views: 1141

Re: 39.6% Tax Bracket :(

When you're talking about making a signficant salary, a fee-based tax advisor is worth his weight in gold. Tax planning is not an efficient place to be cheap.
by Flashes1
Thu Oct 30, 2014 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 28
Views: 6045

Re: So you think you're a Risk-taker?

The risk takers got lucky in 2008 and 2009 because of federal bailouts and coordinated actions from central banks. There is no guarantee whatsoever other bailouts will occur next time around. Good luck everyone. Correct. We were looking at a possible 1929 event without Trillions of federal dollars ...
by Flashes1
Mon Oct 27, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 4024

Re: Mr. Market turns on Amazon

Amazon's business plan is to drive out as many brick-and-mortar retailers as they can-----then raise prices. Brutally effective.

I love capitalism.
by Flashes1
Mon Oct 27, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4483

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

serbeer wrote:Edit: I added a link since it used to be that it was enough to type in "TFB blog" (The Finance Buff) for it to show up in Google search, but now The Firearm Blog comes out instead :(


Thanks for the tip----the Firearm Blog is quite informative. I'd not seen it before.
by Flashes1
Mon Oct 27, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7466

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 11:46 am
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 4388

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 10:36 am
 
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 73
Views: 5342

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 8:22 am
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 6949

Re: Cleaning Up Leaves

I drag my leaves into the woods. The perfect compost for my beloved trees.
by Flashes1
Sat Oct 11, 2014 7:51 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3282

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 5:59 am
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 2995

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 7:42 am
 
Forum: Personal Consumer Issues
Topic: Jack and Jill Bathroom a problem?
Replies: 18
Views: 1977

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 6:42 am
 
Forum: Investing - Help with Personal Investments
Topic: A safe full of cash
Replies: 22
Views: 3098

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 7:11 am
 
Forum: Investing - Theory, News & General
Topic: How much you need to save as multiple of salary
Replies: 51
Views: 6431

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 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3311

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 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 58
Views: 4107

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 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1352

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 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 19
Views: 1352

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 6:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for a young Australian Investor
Replies: 17
Views: 1200

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 6:12 am
 
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1442

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 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 5872

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 6:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I be a boglehead and join a golf club?
Replies: 70
Views: 4741

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 6:37 am
 
Forum: Personal Consumer Issues
Topic: caribbean cruise with children
Replies: 29
Views: 1753

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 6:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 9215

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 6:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 9215

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 6:24 am
 
Forum: Investing - Help with Personal Investments
Topic: should I break down and buy a gold coin?
Replies: 20
Views: 2090

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

Naples, Florida or on a cliff overlooking Pebble Beach.
by Flashes1
Tue Apr 29, 2014 6:19 am
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19405

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 6:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31852

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 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice: Where an entry level finance job leads...
Replies: 10
Views: 854

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 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice: Where an entry level finance job leads...
Replies: 10
Views: 854

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 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice: Where an entry level finance job leads...
Replies: 10
Views: 854

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 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career advice: Where an entry level finance job leads...
Replies: 10
Views: 854

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 6:43 am
 
Forum: Investing - Theory, News & General
Topic: Is 529 plans that bad? [White Coat Investor article]
Replies: 35
Views: 2527

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 6:36 am
 
Forum: Personal Consumer Issues
Topic: Purchasing physical gold??
Replies: 45
Views: 5046

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 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 31794

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 7:40 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 6009

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 7:54 am
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 2407

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 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 4700

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 8:28 am
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2578

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 8:24 am
 
Forum: Personal Consumer Issues
Topic: Please help with my SUV purchase
Replies: 40
Views: 3070

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 8:22 am
 
Forum: Personal Consumer Issues
Topic: Negotiating with a contractor?
Replies: 12
Views: 1085

Re: [POLL] What do Bogleheads DRINK?

American craft beer is my preferred liquid.
by Flashes1
Mon Mar 03, 2014 8:20 am
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 71
Views: 4576

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 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Math with Wine is Hard: Traditional 401k vs Roth 401k
Replies: 35
Views: 2469

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 7:55 am
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2966
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