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Re: Should a true BH visit this forum regularly?

I'm just here to discuss music, movies and watches.
by Petrocelli
Tue Mar 31, 2015 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: Should a true BH visit this forum regularly?
Replies: 32
Views: 2761

Re: What Book Are You Currently Reading? Part VI

In the Kingdom of Ice The Grand and Terrible Polar Voyage of the USS Jeannette by Hampton Sides. This is an exciting piece of history previously unknown to me. Never give up. Never despair. Nil desperandum. That's one off the best books I read last year. I also recommend Blood and Thunder by Hampto...
by Petrocelli
Mon Mar 30, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80336

Re: Smartest Financial Move You Ever Made

Another one: Moving my company's 401(k) plan to Vanguard.
by Petrocelli
Sun Mar 29, 2015 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 12977

Re: Can I afford a $1M house?

Petrocelli - I appreciate your comments. I am a high achiever and if my compensation is not higher 5 years from now I will be very surprised and also very disappointed in myself. I want this to be the last move for 30 years, so am thinking I will lean forward a bit. You are welcome. I adjusted my h...
by Petrocelli
Sun Mar 29, 2015 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: What Book Are You Currently Reading? Part VI

In the Kingdom of Ice The Grand and Terrible Polar Voyage of the USS Jeannette by Hampton Sides. This is an exciting piece of history previously unknown to me. Never give up. Never despair. Nil desperandum. That's one off the best books I read last year. I also recommend Blood and Thunder by Hampto...
by Petrocelli
Sun Mar 29, 2015 5:39 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80336

Re: What Book Are You Currently Reading? Part VI

In a Sun Burned Country by Bill Bryson. If you have ever been to Australia or think you might like to go, a highly recommended very humorous account of his experience with the land and people of down-under. I liked it much more than "The Fatal Shore" another actually very good book about ...
by Petrocelli
Sun Mar 29, 2015 5:36 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80336

Re: What Book Are You Currently Reading? Part VI

^^^ Sorry, I should have explained. It was a street language term that was above the "family friendly" threshold used for this forum. You now have 2 options, which is a choice of marginal utility : (1) buy the book, or (2) PM me and I'll give you the original text for free. (Please keep t...
by Petrocelli
Sat Mar 28, 2015 10:02 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80336

Re: Smartest Financial Move You Ever Made

Buying the most inexpensive house in the best neighborhood I could afford.
by Petrocelli
Sat Mar 28, 2015 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 12977

Re: What Book Are You Currently Reading? Part VI

The Baby Boom: how it got that way, and it wasn't my fault, and I'll never do it again , by P. J. O'Rourke. Not everyone will like his brand of humor and occasional potty mouth. Examples: "the people who insist on organizing life and the people who have no idea how life is organized were and a...
by Petrocelli
Sat Mar 28, 2015 9:16 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80336

Re: Best albums of 2015

Spotify just released a remastered Physical Graffiti. I have never been a fan of Zeppelin but will give it a listen. (in the 70s, I was more of a Clash, Elvis Costello, Sex Pistols listener...) I just finished listening to Physical Graffiti. I am still not a fan. Me neither. They had a lot going fo...
by Petrocelli
Sat Mar 28, 2015 8:06 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Can I afford a $1M house?

I want to respond to this. I posted a similar question a couple of years ago and got a variety of responses. We bought thehouse and since that time we both have gotten raises (with salary going up), the house has apprecited in value, and we are so happy to have the extra room as it allows us to hav...
by Petrocelli
Sat Mar 28, 2015 8:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: Vanguard HealthCare Fund

I have been advocating buying VGHCX for as long as this forum has been around and, before that, in the old Diehards forum. The general consensus of most posters here is that you shouldn't hold it because it's a sector bet. Go figure. Did the returns from the Healthcare fund enable you to get the wa...
by Petrocelli
Fri Mar 27, 2015 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 5902

Re: Best albums of 2015

My favorite so far: Kendrick Lamar's, To Pimp a Buttterfly . Here's my favorite track, King Kunta : (EXPLICIT LYRICS!!!!) https://www.youtube.com/watch?v=bSEtYNOgWKY I prefer music a little less profane. Then I am guessing Kendrick Lamar should not be on your playlist, although he actually doesn't ...
by Petrocelli
Fri Mar 27, 2015 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Can I afford a $1M house?

Buy it. I spent $625,000 on a two bedroom house in 1989. We put 25% down. My wife and i were making $100,000. People thought I was nuts. The house is now worth between $2,000,000 and $3,000,000. So? Does that beat s&p500? (it doesn't) Well, let's do the math. I bought a house in 1987 for $250,0...
by Petrocelli
Fri Mar 27, 2015 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: Can I afford a $1M house?

(FYI, I did make shareholder and now have the biggest office in the firm. (You can see pictures of it here: http://vanguardmomentuminvestor.weebly.com/vanguard-momentum-investing/category/all . I just redecorated it and am very proud of it!) Ikea modern, I love it. Did you assemble it yourself? Tha...
by Petrocelli
Fri Mar 27, 2015 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: My evil plan backfired

Thanks everyone, appreciate all of the insight. Sadly, we will not be able to buy a house with this lol - this amount doesn't even make up 1% of our portfolio, so it's really a drop in the bucket. Just me being cautious. One percent?!!!??? On behalf of husbands everywhere, please let your husband h...
by Petrocelli
Fri Mar 27, 2015 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6736

Re: What Book Are You Currently Reading? Part VI

I just finished Redeployment , which is a series of 10 short stories about American soldiers and bureaucrats in Iraq. Highly recommended. I am reading The Martian . I am about 15% into it. The jury is still out. So far, it's good, not great Once again, I HIGHLY recommend All the Light We Cannot See ...
by Petrocelli
Fri Mar 27, 2015 12:58 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 579
Views: 80336

Re: Can I afford a $1M house?

That is not correct. She did not receive any money from her trust until about 5 years ago. And, also for the record, my inheritance will be larger than hers. Therefore, she has the sugar daddy, not the other way around. Regardless of who is supplying the sugar to whom, you've more than confirmed th...
by Petrocelli
Fri Mar 27, 2015 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: Can I afford a $1M house?

Buy it. I spent $625,000 on a two bedroom house in 1989. We put 25% down. My wife and i were making $100,000. People thought I was nuts. The house is now worth between $2,000,000 and $3,000,000. Not the same situation because according to your previous posts, your wife is a trust fund baby. You hav...
by Petrocelli
Fri Mar 27, 2015 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: Can I afford a $1M house?

When we bought our second house in 1989, we moved from a $250,000 house to a $625,000 house. At the time, we were making (combined) about $2,000 a week). Our mortgage was about 50% of our net income. And $625,000 was a crazy amount to pay for a 2 bedroom, 1.5 bath 1,600 square foot house in 1989, bu...
by Petrocelli
Fri Mar 27, 2015 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: Can I afford a $1M house?

Grt2bOutdoors wrote:
Petrocelli wrote:Buy it.


Yes - Buy it, Petrocelli is going to co-sign the mortgage. :wink:


I would, but I'm pretty long in real estate right now.
by Petrocelli
Fri Mar 27, 2015 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: Best albums of 2015

I don't listen to entire albums coming out in 2015, but I like some artists that I've only heard very recently, such as Tame Impala, Fly Golden Eagle, Royal Blood, Griswolds, King Tuff, Cheatahs, Real Estate, and Courtney Barnett. I listened to Courtney Barnett's new album yesterday, "Sometime...
by Petrocelli
Fri Mar 27, 2015 8:48 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Can I afford a $1M house?

Buy it.

I spent $625,000 on a two bedroom house in 1989. We put 25% down. My wife and i were making $100,000. People thought I was nuts.

The house is now worth between $2,000,000 and $3,000,000.
by Petrocelli
Fri Mar 27, 2015 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 65
Views: 6125

Re: Best albums of 2015

Anything rock from the late 60s to mid 70s, the golden era for music. My parents thought the 40s and 50s was the the golden era for music. I think that most people seem to think that the best music was when they were teenagers and young adults. They stop listening to new music when they have kids. ...
by Petrocelli
Thu Mar 26, 2015 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Best albums of 2015

Taylor Swift, Nicki Minaj and Ne-yo. Tay's album dropped in 2014, so not relevant. they are better than some of the "classic rock" to my ears, with all of that distorted guitar stuff and drum banging. Hip hop stars' lyrics are just amazing these days. Nevertheless, the word "album&qu...
by Petrocelli
Thu Mar 26, 2015 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: My evil plan backfired

My first investment was a $10,000 investment at $1 a share that went to well over $30 a share. I took the money from that investment and bought a house, and then another house. 25 years later, I have over $2,000,000 in equity in that house, and it started with a $10,000 investment. Based on that, my...
by Petrocelli
Thu Mar 26, 2015 9:24 pm
 
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 6736

Re: Best albums of 2015

Petrocelli wrote:Spotify just released a remastered Physical Graffiti. I have never been a fan of Zeppelin but will give it a listen. (in the 70s, I was more of a Clash, Elvis Costello, Sex Pistols listener...)


I just finished listening to Physical Graffiti. I am still not a fan.
by Petrocelli
Thu Mar 26, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Kendrick Lamar: Rapper with Boglehead Principles?

Also, Wikipedia reports he was a straight A student in high school. That may be why he understands how to manage his money.
by Petrocelli
Thu Mar 26, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: Kendrick Lamar: Rapper with Boglehead Principles?
Replies: 14
Views: 1578

Re: Best albums of 2015

Try as I might, I can't get away from all of my old music. Would still go out of my way to see Neil Young in just about any of his formats, or Led Zeppelin for that matter if it ever came to pass, and love the Stones although they never play what I want to hear at those curcus-like live shows. Some...
by Petrocelli
Thu Mar 26, 2015 11:14 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Kendrick Lamar: Rapper with Boglehead Principles?

On a related note, I was listening Lamar's new album on the way in. The first cut is "Wesley's Theory." Many of the lyrics are about living simply in the face of fame. Check out these lyrics:

[OT lyrics removed by admin LadyGeek]
by Petrocelli
Thu Mar 26, 2015 11:01 am
 
Forum: Personal Consumer Issues
Topic: Kendrick Lamar: Rapper with Boglehead Principles?
Replies: 14
Views: 1578

Kendrick Lamar: Rapper with Boglehead Principles?

For those of you who have no idea about anything related to music since the Beatles broke up, right now Kendrick Lamar has the number one album in the country. He made several million dollars last week from Spotify streams alone. Therefore, he decided to buy a house. When I read about his new house,...
by Petrocelli
Thu Mar 26, 2015 8:35 am
 
Forum: Personal Consumer Issues
Topic: Kendrick Lamar: Rapper with Boglehead Principles?
Replies: 14
Views: 1578

Re: Best albums of 2015

And try as I can, I just cannot get my head around rap. :sharebeer Keep in mind that "rap" is a very broad spectrum of music. It would be like your parents saying, "I just can't get my head around rock." That would include the Beatles, the Cowsills, the Stones, The Carpenters, H...
by Petrocelli
Wed Mar 25, 2015 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Best albums of 2015

My favorite so far: Kendrick Lamar's, To Pimp a Buttterfly . Here's my favorite track, King Kunta : (EXPLICIT LYRICS!!!!) https://www.youtube.com/watch?v=bSEtYNOgWKY I pulled this up just now on Spotify, and if you're serious, then I am just Old (63)... I love hard rock (Jimmi Hendrix etc.) but thi...
by Petrocelli
Wed Mar 25, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Best albums of 2015

On an unrelated note, here's my Playlist of my 100 favorite tracks from 2014.

https://play.spotify.com/user/12559911/playlist/5S0MOwh2mIHuRL9FyZmPaD
by Petrocelli
Wed Mar 25, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Best albums of 2015

My favorite so far: Kendrick Lamar's, To Pimp a Buttterfly . Here's my favorite track, King Kunta : (EXPLICIT LYRICS!!!!) https://www.youtube.com/watch?v=bSEtYNOgWKY I confess to having really liked Taylor Swift's '1989'. Which was both the most popular album of 2014 and aimed at a demographic 1/3r...
by Petrocelli
Wed Mar 25, 2015 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Best albums of 2015

I have listened to several dozen releases and "Carrie & Lowell" by Sufjan Stevens is the best of the year by a considerable margin. It is a simply brilliant meditation on perseverance in the face of abandonment and loss. I think it is his finest achievement. I am a big fan of Sufjan S...
by Petrocelli
Wed Mar 25, 2015 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Any situations car leasing makes sense?

I'm also suspicious of all the lease numbers. The leases I've seen have some down payment. $200 per month for 36 months with $2,400 down is not $7 per day in my books. Probably similar for Mercedes, but I've not shopped for one. For the record, I put no money down, other than registration and first...
by Petrocelli
Wed Mar 25, 2015 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5063

Re: Any situations car leasing makes sense?

The bottom line is this: I rent a Mercedes that is always less than 3 years old for $20 a day. I think that's a pretty good deal. But not as good as the $7/day on a Nissan Leaf lease, and that's with $0 fuel cost too since I charge from my properly-sized solar array and have no electricity bill for...
by Petrocelli
Wed Mar 25, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5063

Re: CNBC - "401(k) plans have fallen short"

Luckily, my company does not have any of these problems because the person in charge of the Plan is a really smart guy who moved the Plan to Vanguard about 12 years ago.
by Petrocelli
Tue Mar 24, 2015 11:18 pm
 
Forum: Investing - Theory, News & General
Topic: CNBC - "401(k) plans have fallen short"
Replies: 4
Views: 841

Re: Any situations car leasing makes sense?

I have been amazed looking at m my 9 year old car vs my wife's leased vehicle. My car's annual cost has been cheaper over its life but not by all that much. And, don't forget, your wife has been driving a new vehicle. Before I started leasing, I had a Lexus that I drove for about 125,000 miles. Mai...
by Petrocelli
Tue Mar 24, 2015 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5063

Re: Vanguard HealthCare Fund

I have been advocating buying VGHCX for as long as this forum has been around and, before that, in the old Diehards forum.

The general consensus of most posters here is that you shouldn't hold it because it's a sector bet.

Go figure.
by Petrocelli
Tue Mar 24, 2015 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 5902

Re: Any situations car leasing makes sense?

I have to use my own vehicle for work and the mileage shoots up quickly. Leasing mileage limits preclude me from ever going that route. Me too. I drive about 17,000 to 19,000 a year. However, I am compensated by my employer for mileage. (Hopefully, you are too.) I put that money in a (locked) drawe...
by Petrocelli
Tue Mar 24, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5063

Re: Best albums of 2015

Found another good one today, Father John Misty's I Love You Honeybear. You can read about the album here:

http://en.wikipedia.org/wiki/I_Love_You,_Honeybear
by Petrocelli
Mon Mar 23, 2015 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Any situations car leasing makes sense?

fund wrote: One thing that I didn't see mentioned or at least noted more than fleetingly (unless I missed it), is the fact that sometimes there are things in life that go beyond just strict dollars and cents. .


Indeed.

And let's not forget the value of that "new car smell" every 2-3 years.
by Petrocelli
Mon Mar 23, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5063

Re: Any situations car leasing makes sense?

If you are self employed or use your lease for non-commuting business related activities a portion (or all) of the costs can be deducted as a business expense. Actually, I don't write off my car. However, I get 57.5 cents a mile, which is more than my mileage overage on my car (which is 25 cents a ...
by Petrocelli
Mon Mar 23, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5063

Re: Any situations car leasing makes sense?

I have leased 4 Mercedes in a row. I like to lease because I drive a lot of miles. I also like to drive a new car. I lease my cars for 45,000 miles. When a car gets to 44,000 miles, I take the car back and get a new one. I put no money down other than the initial lease payment, and some random $400 ...
by Petrocelli
Mon Mar 23, 2015 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 5063

Re: Best albums of 2015

Never heard of Kendrick Lamar. Spent a half hour reading his lyrics, interesting - unlike almost everything. I had heard of him before this album, and listened to his first album a little. His second album has received outstanding reviewed, and hold the record for being the most streamed album in o...
by Petrocelli
Sun Mar 22, 2015 10:45 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Best albums of 2015

There are only three kinds of music in the world: AC/DC, Led Zeppelin, and ZZ Top! Just thought I'd throw that out there :D Spotify just released a remastered Physical Graffiti. I have never been a fan of Zeppelin but will give it a listen. (in the 70s, I was more of a Clash, Elvis Costello, Sex Pi...
by Petrocelli
Sun Mar 22, 2015 10:39 am
 
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 54
Views: 3886

Re: Splitting a Food Tab on a Combined Birthday Lunch

I think this question was on my SAT in 1976.
by Petrocelli
Sat Mar 21, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3754

Re: Whats a good Pistol to buy?

I don't know a lot about this, but doesn't it depend on who you want to shoot As in. .. race, gender, nationality, shoe size, species, fur thickness? Sorry, I have no idea what you are trying to get at. I guess what I'm getting at is the person you intend to shoot someone one who is breaking into y...
by Petrocelli
Sat Mar 21, 2015 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 110
Views: 8059
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