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Re: How should wife counter salary offer within current co.?

@tommy_gunn, thanks for that link again. This thread is of great interest to me because I would like to help my daughter (Masters degree in engineering) with not being a pansy like her mother with her first job and salary. I wonder how many folks who write "Of course one negotiates" are m...
by Wricha
Mon Nov 24, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5413

Re: Will AAPL's or GM's stock price double first?

batrleby wrote:Apple wins.

Apple Inc.
NASDAQ: AAPL - Nov 21 4:00 PM ET
116.35


Thanks - interesting comments.
by Wricha
Sat Nov 22, 2014 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Will AAPL's or GM's stock price double first?
Replies: 30
Views: 2343

Re: Social Security 62 vs 66

If one was never counting on SS and it is not part of their retirement plan. Should they wait or take early payment?
by Wricha
Sat Nov 22, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 4993

Re: How To Invest Your Emergency Fund?

If you are established get an unsecured line of credit for emergency fund and invest the rest. A line of credit is not an emergency fund. It can get cut off in a moment. Unlikely, and if you are worried then get a secured line of credit. I did say if established. If a catastrophic event occurs I do...
by Wricha
Fri Nov 21, 2014 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 69
Views: 9138

Re: How should wife counter salary offer within current co.?

I am not saying you should negotiate, but if your not willing to walk away you are not negotiating you are begging. So I am with your wife take the money and see what happens. Next time she may found herself in a position she can negotiate.
by Wricha
Fri Nov 21, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5413

Re: How To Invest Your Emergency Fund?

If you are established get an unsecured line of credit for emergency fund and invest the rest.
by Wricha
Thu Nov 20, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 69
Views: 9138

Apple Stores - do they try to be awful?

I have used Apple products for over 20 years. Owned every product and give them high marks. Have a substantial amount of Apple stock (only individual stock). Every time I enter the store (different cities/stores) the experience is the same. The folks that work there are arrogant, aloof, and inflexib...
by Wricha
Tue Nov 18, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2913

Re: Cost to furnish a condo

If you starting with nothing and buying new (pretty good stuff).- $30k did a 3 bedroom $40k nice not over the top. No window treatments but everything else.
by Wricha
Mon Nov 17, 2014 5:49 am
 
Forum: Personal Consumer Issues
Topic: Cost to furnish a condo
Replies: 29
Views: 2668

Re: If your networth is over $3 million, how did you do it?

I am a bit surprised that this discussion has turned in such a disrespectful criticism of living below ones means. I take great joy in the execution of our frugality, but mean no disrespect to those suffering true hardship ( note: my office is next door to a homeless mission ). In my opinion we too...
by Wricha
Fri Nov 14, 2014 5:47 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 260
Views: 27399

Re: If your networth is over $3 million, how did you do it?

I am not saying you can't get their by eating fish heads and rice. I get it. If you did good for you, not trying to take anything away from your success. But, look at it this way, the top 1% begins with income of around $400k the top 1% of net worth begins around $8M. That $8M was not made by saving...
by Wricha
Wed Nov 12, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 260
Views: 27399

Re: If your networth is over $3 million, how did you do it?

I guess OP wants to know how. I don't believe most folks who have $3M+ got there by going to school and saving. My experience tells me you must have an outside interest such as a small business, real estate, or investing skills. I would suggest adopting one of these interests in addition to the day ...
by Wricha
Wed Nov 12, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 260
Views: 27399

Re: Tesla S

Re: Tesla S Unread postby UnclePennybags » Mon Oct 20, 2014 5:35 am This thread was a fun read. You can add me to the list of Bogelhead Tesla owners. I shared the concerns expressed earlier about the lack of safety features, but the newest version of the Model S has gone from lacking blind spot dete...
by Wricha
Wed Oct 22, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 556
Views: 63671

Re: Where to buy municipal bonds directly?

Zions Direct. ( - https://www.zionsdirect.com) very good phone service, large selection of muni bonds, low commission, and you can buy small lots.
by Wricha
Thu Oct 09, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to buy municipal bonds directly?
Replies: 18
Views: 1508

Economic Statics

For you folks that like economic statistics :

http://scorecard.assetsandopportunity.org/2014/reports
by Wricha
Sun Sep 28, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Economic Statics
Replies: 0
Views: 173

Re: Roll Call for the Retirement Class of 2014!

Wricha wrote: . . . So I guess it's official . . . Wow, awesome trip, I see that the date of "xx Sep - Wricha" is already over and you are now enjoying every Saturday (in retirement every day feels like a Saturday). I used to tell my Navy Team that "underway is the only way" . . ...
by Wricha
Thu Sep 25, 2014 1:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23329

Re: Roll Call for the Retirement Class of 2014!

Victoria,
Right now I am anchored on the backside of Key Largo headed for the headed for the Dry Tortugas, left the Cheaspeak 11 days ago and I am not going back. So I guess it's official. Victoria I hope your out.
Thanks folks.
by Wricha
Wed Sep 24, 2014 7:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23329

Re: Australia and New Zealand

Spent a month in Australia and a month in NZ. I think you would be wise to give that 3 or 4 weeks to NZ only. And 3 of the 4 weeks to the South Island. OMO NZ is easier to get around, much nicer scenery, very kind to Americans and generally more exciting. Australia is more cosmopolitan (Sidney) outr...
by Wricha
Fri Sep 19, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Australia and New Zealand
Replies: 47
Views: 4283

Re: How you, I, and everyone got the top 1% all wrong - Atla

You bet hicabob, I just hope the folks in Washington understand it!
by Wricha
Tue Aug 12, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How you, I, and everyone got the top 1% all wrong - Atlantic
Replies: 4
Views: 1706

How you, I, and everyone got the top 1% all wrong - Atlantic

This is an interesting look at top 1% . I guess, I knew this but never saw broken out this clearly.

http://www.theatlantic.com/business/arc ... qus_thread
by Wricha
Tue Aug 12, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How you, I, and everyone got the top 1% all wrong - Atlantic
Replies: 4
Views: 1706

Re: $65k bonus for student loans...considering not taking it

My question is why not take money? Are you afraid of increase in taxes which will help us pay for the "forgiven" part of your/our loan? Please take the money. Since the government is the employer, there is a no win for us, :oops: but I believe you would be better off.
by Wricha
Tue Aug 12, 2014 8:06 am
 
Forum: Investing - Help with Personal Investments
Topic: $65k bonus for student loans...considering not taking it
Replies: 30
Views: 3411

Re: Buying land and building house

Built on 35 acres 20 years ago. Left the tress don't worry about mowing, too much. Agree, pick up and every power tool known is recommended, chain saw essential. John Deer gator with dumper is used often for almost everything. Zoning in rural areas tends to be a bit more relaxed. Local backhoe opera...
by Wricha
Wed Aug 06, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying land and building house
Replies: 22
Views: 2712

Re: Roll Call for the Retirement Class of 2014!

Sept 2014 see u at conference
by Wricha
Tue Jun 17, 2014 6:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23329

Re: Roll Call for the Retirement Class of 2014!

Winding down final project and passed on two other projects so I guess I am retired. Being self employed allows you to go out without much fanfare. Got plenty of interests/travel plans, "Enough" resources, God willing time, to relax and smoke a cigar which I am doing now! Yes Victoria I ow...
by Wricha
Tue Jun 17, 2014 4:08 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 240
Views: 23329

Re: On the Road/Air/Water Retirement

It is easy to get twisted around coming out of Edgewater Fl. :happy

2 days on intercostal 6 days on the outside. Now just exploring Chesapeake.
by Wricha
Sun Jun 08, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: On the Road/Air/Water Retirement
Replies: 57
Views: 5528

Re: On the Road/Air/Water Retirement

BFG Not sure if this counts. Had some boat repairs done at the factory just south of Daytona Beach a month ago. Depart factory to head back to condo in Cape Coral, Fl. It was a calm day out on the Atlantic and I turned my boat north and now I am in the Chesapeake Bay (bought clothes on the way.). St...
by Wricha
Sun Jun 08, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: On the Road/Air/Water Retirement
Replies: 57
Views: 5528

Re: Looking at top 1% for actionable insight

Sorry did not mean it as joke about farmers I meant as an actionable item about perspective / attitude.
by Wricha
Thu Apr 17, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 9220

Re: Looking at top 1% for actionable insight

Once heard a story about an American farmer and a Russian farmer. The American farm had 4 cows and he looked out at his neighbor's field and saw he had 5 cows. He said to himself I going to find out how my neighbor got 5 cows and do the same thing. The Russian farmer also had 4 cows as he looked out...
by Wricha
Thu Apr 17, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 73
Views: 9220

Re: How do you walk away from a good job?

Quickly and stash the cash 8-)
by Wricha
Tue Apr 08, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you walk away from a good job?
Replies: 38
Views: 5428

Re: Social security - means testing

Thanks Mike,
I guess I feel like Social Security is my money, when in reality the money was already used for other things. You are right no one knows, need and health concerns are the most important factors. If I could get one year before the music stops playing I might feel better :D !
by Wricha
Tue Mar 18, 2014 6:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Social security - means testing
Replies: 6
Views: 1220

Social security - means testing

Came across an article from AARP. It's debates the pros and cons of means testing Social Security. My question is not about merits of means testing. Being a few years from 62 I was planning on waiting till 70 to collect so I could collect a higher benefit. My question are there any folks thinking of...
by Wricha
Mon Mar 17, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social security - means testing
Replies: 6
Views: 1220

Re: Should you discuss your wages with your peers?

I think it is interesting that most posts say absolutely no; yet they know what their peers make? OP has a pretty good handle on what others are making. It's been years since I was a W-2 person but my guess everyone who wants to know has a pretty good idea what others make,
by Wricha
Sun Mar 16, 2014 6:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 7012

Re: What's your dream car?

Wricha wrote: 911 turbo/s anything else is merely transportation Turbo S b/c rear seats to take the kids to school. But the GT3 with PDK is the real deal, revs to 9000 rpm, all wheel steering. Hey OP, hot wagon is way cool, the new e63 wagon is faster than a C7 vette. But a station wagon with a stic...
by Wricha
Fri Jan 24, 2014 3:42 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11460

Re: when you reach"your number"

For me it was in phases: Phase one (around 40) get out of debt. Phase two I bought my first bunch of muni bonds (30 year) dividend $2,400/yr I thought Wow, my electric bill is paid for the next 30 years. So I paid down my expense through muni bonds. My perspective of financial independence. Phase th...
by Wricha
Fri Jan 24, 2014 3:30 am
 
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 9158

Re: What's your dream car?

911 turbo/s anything else is merely transportation
by Wricha
Tue Jan 21, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11460

Re: High Earners - What's Your Profession?

Wricha, You might be my long lost twin. To quote Neil Diamond: "except for the names and a few other changes, when you talk about me, the story's the same one" Tip of the hat to you, BFG BFG I hope you are the better looking one :D ! It truly is the same story for most folks here. As my Mo...
by Wricha
Thu Jan 16, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28872

Re: High Earners - What's Your Profession?

I have been watching this thread not sure if bragging or helpful. I will offer this: graduated BS Biology/Chemistry. Entered US Army as an officer (chemical warfare) making $590/month (not a typo) and a car payment of almost $200/month. Continued education at night and worked as a mid level manageme...
by Wricha
Thu Jan 16, 2014 6:08 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28872

Re: How to determine consulting fee?

I have been an independent consultant for more than 25 years. Unless there is something very unique about this 40 person company (like they are members of the Saudi Royal Family) I think some of those fees you are throwing are out of bounds give size of the company and your experience. Are you doing...
by Wricha
Tue Jan 07, 2014 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to determine consulting fee?
Replies: 23
Views: 1411

Re: NYT Article: You can't take it with you ...

Some time people earn more (chocolate) to keep score not to consume or give to heirs.
by Wricha
Sun Jan 05, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: NYT Article: You can't take it with you ...
Replies: 22
Views: 3795

Re: Net Worth Survey, 2014 Edition

How do you view results? Did not have google pass code.
by Wricha
Sun Jan 05, 2014 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 23032

Re: Want income but preserve capital

Go to : http://www.immediateannuities.com you can get $1600/month or 6.4% return on CAPITAL nothing left when you are both gone.
by Wricha
Wed Oct 16, 2013 6:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Want income but preserve capital
Replies: 40
Views: 3236

Re: Any last minute ideas on Florida?

Wricha wrote:
Anna Maria Island is very nice. Laid back. Boat up there often


Perhaps we'll run into each other there sometime, Wricha

Mel see you before maybe at conference
by Wricha
Tue Oct 15, 2013 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Any last minute ideas on Florida?
Replies: 27
Views: 2438

Re: Any last minute ideas on Florida?

Anna Maria Island is very nice. Laid back. Boat up there often
by Wricha
Mon Oct 14, 2013 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Any last minute ideas on Florida?
Replies: 27
Views: 2438

Re: Living on $5,000 a year

Re: Living on $5,000 a year by VictoriaF » Mon Oct 14, 2013 10:56 am I once spent 24 hours on an island in Lake Titicaca. The people on the island refuse building commercial properties, and overnight visitors are assigned to stay in private houses. I stayed with Sr. Alfonso in a stand alone structur...
by Wricha
Mon Oct 14, 2013 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Living on $5,000 a year
Replies: 28
Views: 2959

Re: Giving notice...how much time?

I don't know, you claim the company has been good to you. The size of a company does not mean they should be treated less fairly and business does have the right/responsibility to be a "money machine" if done honestly. I can see protecting bonus after that why not just go in talk with your...
by Wricha
Sun Oct 13, 2013 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Giving notice...how much time?
Replies: 55
Views: 4738

Re: Muni Bond Risk?

Thanks folks for imput very helpful. Artsdoctor will do as you advise.
by Wricha
Wed Sep 25, 2013 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Risk?
Replies: 6
Views: 679

Muni Bond Risk?

I have been accomulating muni bonds AA or higher for more then 15 years. I have over 100 different bonds and still buying. I try to avoid hospitals, states that are in trouble, etc. I plan on holding the bonds till maturity or called (most are 20+ year). No defaults to date. My question is, if I am ...
by Wricha
Wed Sep 25, 2013 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Muni Bond Risk?
Replies: 6
Views: 679

Re: Do Bogleheads invest in physical gold?

I believe (could be wrong) the vast majority of the gold in NYC is that of foreign government. Tank division not necessary in NYC it's not our gold!
by Wricha
Tue Sep 17, 2013 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads invest in physical gold?
Replies: 94
Views: 7077

Re: USAA disappoints!

It's not the use of sub contractor I was objecting to it was $1,000 mark up on $3,800 policy that was the problem had I bought it directly.
by Wricha
Fri Aug 16, 2013 9:46 pm
 
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 5822

Re: Municipal Bonds - Pro's and Con's

2 cents here. I own a large number of individual Muni's for 10+ years. Bought high quality, long term, bonds with a yield of 5% most of these bonds are still above issue price, always paid on time, no defaults so I am happy. They have lost their quality ratings most were AA or higher now most are be...
by Wricha
Fri Aug 16, 2013 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - Pro's and Con's
Replies: 28
Views: 3428
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