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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: 96
Views: 6394

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: 72
Views: 2694

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: 3681

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: 30
Views: 2197

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: 15
Views: 1727

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: 3681

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: 3402

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: 4084

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: 168
Views: 10876

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: 209
Views: 45313

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: 72
Views: 4822

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: 6153

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: 10332

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: 1341

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: 4641

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: 1155

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: 5112

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: 2597

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: 2597

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: 4002

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: 75
Views: 9068

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: 5747

Re: soundproofing walls

The soundproofing experts give very little, if any, credit to so called "soundproofing" wall board. Plain old mass does the job. Double 5/8" wall board with green glue is what you want...but it has to be decoupled from the frame of your house to be effective. Insulation is recommended...
by Flashes1
Mon Jan 26, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 13
Views: 1616

Re: Scary taxes :(

Nice to see you paying your "fair share."
by Flashes1
Mon Jan 26, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Scary taxes :(
Replies: 18
Views: 3195

Re: What experts say about $5,000 watches

Here http://www.businessinsider.com.au/watches-of-wall-street-ceos-2014-2 is an article that mentions Jack Bogle's watch. It is *not* a $20-watch. Yes, and have you seen pictures of Mr. Bogle's house in Byrn Mar? Ha-ha.....let's say it would make most Kings blush!!!!! He is part of the 0.1% and he ...
by Flashes1
Mon Jan 26, 2015 10:04 am
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179526

Re: soundproofing walls

Soundproofing walls is a science and is very complex if you want to do it properly. I have a dedicated home theater in my basement that no sound escapes from---I can crank the opening scene from Saving Private Ryan to the point it hurts my ears----and you can't hear a thing outside the room. I had s...
by Flashes1
Mon Jan 26, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 13
Views: 1616

Re: Should I overfund 529 plans for future generations?

It's a good question....it could be a very effective way to shield taxes while ensuring your offspring's offspring. This might be where paying for the services of a tax expert might be beneficial.
by Flashes1
Mon Jan 26, 2015 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Should I overfund 529 plans for future generations?
Replies: 12
Views: 911

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

On the flip-side, the contrarion side of me is screaming to stay in them, Right. and selling them now would be poor timing. Right. I've read that a diversified investor should have one part of their portfolio that they absolutely hate. Right now, that's TIPS for me----I'm okay with everything else ...
by Flashes1
Mon Jan 26, 2015 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 75
Views: 9068

Re: Success stories of NOT buying more/too much house

We did the opposite....we ugraded to a custom-built house when we had kids so it would be more "family friendly." It's the best investment we've made....here's what we got: * Wooded back yard----great for kids to play in----can't see neighbors in the summer. I wanted kids to grow up around...
by Flashes1
Mon Jan 26, 2015 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 65
Views: 6135

Is it time to give-up on TIPS?

The forecasts of low inflation for several more years and possibly even deflation have me very concerned about my Vanguard TIPS mutual fund. Approximately 30% of my Bond portfolio is in TIPS mutual funds. I bought them as a hedge against runaway inflation due primarily to the effects of QE......whic...
by Flashes1
Mon Jan 26, 2015 7:53 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 75
Views: 9068

Re: wife's purse

Never heard of Tumi. Italian? Tumi is American.....they're more known for their luggage---but I'm sure they're purses are top notch quality. Tumi luggage is the preferred brand of road warriors---without question. You see someone in the airport toting a Tumi bag---it's safe to assume they know what...
by Flashes1
Mon Jan 26, 2015 7:39 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 4002

Re: wife's purse

Coach is good quality and will last a lifetime. I personally like the more understated yet refined brand image of Coach-----kind of an old money feel....as compared to the more "flashy" Fendi, Vouitton, etc. brands....which feel new money to me.
by Flashes1
Mon Jan 26, 2015 7:36 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 4002

Re: Gotta Be a Bear Market Coming

I thought the market has been overvalued for the past 3 years. Thankfully, I haven't made any dramatic changes to my investments.
by Flashes1
Fri Jan 23, 2015 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Gotta Be a Bear Market Coming
Replies: 64
Views: 7770

Re: When/how to invest monthly savings into taxable?

I just switched to automatic investing for after tax investing a few months ago, and I couldn't be any happier. Previously, I bought on dips, but guess what? I never bought anything because I was always waiting for it to "go down a little more."
by Flashes1
Fri Jan 23, 2015 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: When/how to invest monthly savings into taxable?
Replies: 32
Views: 2877

Re: Help this dummy get back on track

Dollar cost average back into equities over 6-12 months.
by Flashes1
Fri Jan 16, 2015 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Help this dummy get back on track
Replies: 12
Views: 1285

Re: Help understanding Nationalwide 401k expense

Well, you could just do it all for her, and not worry about her lack of interest in such matters. Agreed. Some people will never have an interest in money matters, and that's fine. But they have to have someone who does care about money carefully look out for their best interests....and it sounds l...
by Flashes1
Fri Jan 16, 2015 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help understanding Nationalwide 401k expense
Replies: 13
Views: 877

Re: Retirees: Do you work part-time for pay?

My retired father has always been a car guy so in retirement he works at the local Ford dealership picking up cars at auction and bringing them back to the dealer. He likes the camraderie of riding to the auction in a van with 3-4 similiarly old guys....and then gets to drive the Fords back to the d...
by Flashes1
Fri Jan 16, 2015 7:32 am
 
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 4981

Re: Florida West Coast vacation with small kids

The Waldorf Astoria Naples is a lot of fun with kids. Really big pool with a "lagoon" entrance on one end (I think that's what they call it) which is great for little kids----there's a water slide,too. Short golf cart ride to the beach ---- free service--they come every 15 mins---kids have...
by Flashes1
Mon Jan 12, 2015 9:38 am
 
Forum: Personal Consumer Issues
Topic: Florida West Coast vacation with small kids
Replies: 24
Views: 2656

Re: Buying Euros for a France vacation in the summer

Echoing the previous poster, no one knows where the floor on the Euro is. Given the economic problems in Europe, it wouldn't be surprising if the Euro continues to weaken vs. the USD.
by Flashes1
Wed Jan 07, 2015 8:57 am
 
Forum: Personal Consumer Issues
Topic: Buying Euros for a France vacation in the summer
Replies: 13
Views: 1734

Re: Today is a Good Day to fund the 2015 IRA

Did $2k today for 2014....which means there will inevitably be a 5-10% correction in the next 2 weeks. It never fails.
by Flashes1
Mon Jan 05, 2015 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8149

Re: Anyone have the X1 Platform from XFINITY yet?

Edit. Sorry, I thought question was about Disney Infinity game for Xbox One.
by Flashes1
Fri Jan 02, 2015 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have the X1 Platform from XFINITY yet?
Replies: 11
Views: 1344

Re: What did you enjoy spending money on this year?

Bought a $12k Hotspring Spa.....just a small % of portfolio appreciation in 2014.

Thank you John Bogle and thank you USA.....we are powerful when we work together. No other country like it in the history of the world.
by Flashes1
Tue Dec 30, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 6040

Re: Backyard Spa

We bought a Hotspring spa last year and like it a lot. If you're getting a big spa the single best investment you can make is buying a "mechanical lift" for the cover. It allows my 110 lb. wife to open it without much effort. $1,000 to run the electicity.

We get a lot of use out of it.
by Flashes1
Mon Dec 29, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: Backyard Spa
Replies: 19
Views: 2206

Re: Preparing for a big move (US to Europe)

I might be missing something, but why doesn't the OP just find European employment with a large U.S. company? In case the OP hasn't read the WSJ for a few years, the EU is suffering thru a horrible recession.
by Flashes1
Fri Dec 26, 2014 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Preparing for a big move (US to Europe)
Replies: 26
Views: 3013

Re: I think I just got a $5,000 watch for Christmas

As the bull market continues to power on, I expect to see more threads like this. It's another great day to be an American.
by Flashes1
Fri Dec 26, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 920
Views: 179526

Re: butterflies investing $500K

I would recommend dollar-cost averaging. Transfer 1/12 of the $500k on the same day each month over the next year.
by Flashes1
Fri Dec 26, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: butterflies investing $500K
Replies: 28
Views: 3794

Re: What "actively" managed funds do you own?

I own Dodge & Cox - International in an IRA. I really like this fund, so I intend to hold it long term. It's approx. 3% of portfolio. I own American Funds - Europacific and Pimco - Total Return in a former employers' 401k.....the only thing keeping me from moving to Vanguard I also have a small ...
by Flashes1
Mon Dec 22, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4942

Re: How do you define "being rich"?

Leif wrote:10 million or more in networth.


I'm a numbers guy. Touchy feely junk like "feeling content" don't work for me. $10MM is rich.
by Flashes1
Sun Dec 21, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9549

Re: Home Mortgage payoff

I love having my mortgage and checking account at the same bank----it allows me to easily make additonal principal payments to my mortgage----everytime I have a few hundred extra dollars in my Checking Account I apply it to the mortgage. I probably do this 4-5 times a month.
by Flashes1
Fri Dec 19, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Mortgage payoff
Replies: 22
Views: 2616

Re: On average, how often do you check your investment balan

dbr wrote:I am looking around at a possible add-on of some kind for Excel that would display my total asset balance as ticker tape on screen, updated continuously.


That would be sweet....and I'd like the ability to have some kind of program that would text me whenever my portfolio had increased $1,000.
by Flashes1
Fri Dec 19, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3465
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