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Re: Real estate as my "million dollar idea"

I think that you should try it with one or two houses and see if it's something you like to do. You are obviously mechanically inclined so fixing things shouldn't be a problem for you. The other side of the business is dealing with tenants -- which you may or may not like. I don't think that it's a ...
by david99
Wed Nov 12, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 6284

Re: New Fidelity AMEX - with chip

Fidelity Amex sent me a new card but it doesn't appear to have a chip -- it looks like the old card with a new number.
by david99
Tue Nov 11, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 729

Re: Thoughts on getting out [of job]

I think that if you are feeling this much pain on the job you should try to make some changes. I don't think that you should quit just yet, I think that you should try to find a position with your company that has less responsibility and less stress --- possibly it will pay less but at least you can...
by david99
Thu Oct 16, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 37
Views: 5187

Re: Sixth anniversary of worst week ever for stocks

I tax-loss harvested a couple of funds in Oct. 2008-- I got lucky in that I stayed out for 30 days while stocks were dropping. I rebalanced in December of 2008. I needed to rebalance again in February of 2009 but I didn't because I had just rebalanced in December --- bad idea since stocks were cheap.
by david99
Thu Oct 09, 2014 9:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5356

Re: Oatmeal suggestions

I also get the big ten pound box of Quaker Oats from Costco. I put in oats, cinnamon, ground flax, frozen berries, a little honey in a covered/vented pyrex dish for four and a half minutes in the microwave. Then I just let it cool for ten minutes and eat. I like the idea of using allspice or nutmeg....
by david99
Tue Sep 30, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 131
Views: 8265

Re: Business Opportunity - Thoughts

I think that you answered your own question. It doesn't sound like something that you want to do, but you should get the specifics before you make a decision.
by david99
Fri Sep 19, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 460

Re: Real Estate Question

I would sell the property and travel. Also, as Valuethinker said, you can invest the money and get a better return. I would not give the property to a management company. My experience with a property management company is that they get any tenant that they can get their hands on as long as they get...
by david99
Wed Sep 17, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 21
Views: 1710

Re: A 'really good book' you did NOT enjoy

I read half of Moby Dick and then I just couldn't take it anymore -- it was just too boring and too long.
by david99
Tue Sep 09, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 11968

Re: Help out family without compromising my own retirement?

I don't know if anyone has mentioned this ( I didn't read the entire thread), but couldn't your parents qualify for subsidized housing for the elderly? I believe that it takes time to get into an apartment that is subsidized, but once they got an apartment you could move back into your condo and the...
by david99
Mon Sep 01, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 6113

Re: Can someone make a living as a Boglehead financial advis

I guess that the hard part is developing a large enough client base, since you would probably charge .30% or .50% to manage their money. It's too bad, because a Boglehead financial advisor could help people in so many ways --- educating them with behavioral finance issues, insurance, large purchases...
by david99
Sat Aug 30, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Can someone make a living as a Boglehead financial advisor?
Replies: 25
Views: 3892

Re: Costco:is it worth it for just two people?

My girlfriend and I split the membership cost and it's definitely worth it for us. I agree that they have a great selection and they extend their warranties on electronics when you use your American Express card. Try it for one year and see how you like it -- it's not a lot of money to try it for on...
by david99
Sat Aug 30, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12692

Re: What to consider while purchasing an existing business?

I wouldn't get involved with this women. You are saying that she is crazy, has a gambling problem, and is getting divorced. Who knows what kind of debt she has from her gambling problems --- maybe there is a lien on the business. Start your own business -- it's cheap to start and it sounds like your...
by david99
Fri Aug 29, 2014 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 50
Views: 4255

Re: Zegna Suits

It seems like you really want to buy this suit and you can afford it so just buy it. It's probably not going to make much of a difference in the long run for someone making your salary.
by david99
Sun Aug 24, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 10102

Re: Amazon Gift Card Fraud

I usually delete my credit card information after I make a purchase on Amazon for this reason. It's not a big deal to reenter the credit card information when I want to make a purchase.
by david99
Wed Aug 13, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 2782

Re: Robin Williams

A great entertainer. Wonderful standup comedy and many great movies. We were so lucky to have him. RIP
by david99
Tue Aug 12, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4863

Re: average American eats out 203 times per year

I'm way under --- I also prefer home cooking.
by david99
Tue Aug 05, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6888

Re: What to tell friends who think "it's all a scam"

I've also met people that say that the stock market is legalized gambling. I've met a few people that would not invest in the stock market, but made a lot of money in real estate. I think that some people like to have a tangible investment that they can see and feel. The value of a building may go d...
by david99
Mon Aug 04, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: What to tell friends who think "it's all a scam"
Replies: 64
Views: 5882

Re: Misleading information on tax loss harvesting wiki artic

http://www.bogleheads.org/wiki/Tax_loss_harvesting "First, tax losses represent an interest-free loan that defers capital gains taxes you would otherwise owe into the distant future, and can even eliminate them entirely when you die " My understanding of tax law is that statement is highl...
by david99
Thu Jul 31, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 34
Views: 1509

Re: Public Speaking-help

I agree that you should try to focus on your audience -- what do they want?, what are their interests? why are they there? Try to engage the audience and have them ask questions. You won't be so nervous if you focus on your audience. Also, have major talking points but do not memorize the speech ---...
by david99
Mon Jul 28, 2014 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5479

Re: Have you quit your job because of your boss?

When I worked as an engineer for the government it was easy to transfer to another department ---- it might be different now.
by david99
Wed Jul 16, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7637

Re: Easy careers to last me to retirement?

Why don't you see a vocational counselor --- it might be money well spent if you find a job that is palatable and keeps you going until you are ready to retire.
by david99
Wed Jul 16, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14438

Re: But why not 100% stock index fund?

I would wait for the next crash to go 100% stocks ---the first few months of 2009 would have been a great time to go 100% stocks.
by david99
Wed Jul 16, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7893

Re: Likely about to lose job, planning for transition

I agree that COBRA is VERY expensive. I found it much cheaper to get insurance on my own.
by david99
Wed Jul 16, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2708

Re: Moving From Bonds Into Stocks

I am doing a 60/40 stock and bond allocation via my 401(K) and plan on staying the course. But hypothetically speaking, let's say that tomorrow we had a 40-50% correction in equities. Would it be foolish to move that 40% I have sitting in a bond fund into the stock portion and buying all of those e...
by david99
Tue Jul 15, 2014 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What To Do During A Correction In Stocks?
Replies: 31
Views: 3936

Re: Have you quit your job because of your boss?

You can usually transfer to another department with the federal government. I think that you should try to transfer to another department or group. And you might find more interesting work in another department. Also, look up some information on how to deal with a difficult boss --- there must be so...
by david99
Mon Jul 14, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7637

Re: Who do you talk with about your financial goals?

I don't discuss my financial goals with anyone. If I want feedback or help, I would post it here. Talking about finances with people can get you in trouble --- such as people asking you for money, jealousy,...
by david99
Mon Jun 30, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9569

Re: Personal Life subforum?

I say that we give it a try for two or three months and see how it works. If it turns out that it's not working out, then we stop it. If it works well for the first three months, then we continue for another few months. So it would be done on a trial basis for the first six months.
by david99
Fri Jun 20, 2014 7:37 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5505

Re: What's your number?

I don't really have a number. I just plan to keep working till 60 if I can and then work part time in my 60s. Hopefully I can stay employed and productive in my 50s. If not I will just live off what I have and probably move to an area with a lower COL.
by david99
Fri Apr 25, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31851

Re: "Protecting Your Portfolio From Old Age"

Mike recommends "hiring somebody to manage your portfolio" but how do you know that the person or firm that you are hiring is going to do a good job or not rip you off. Also the person or people that you hire to manage your money have to be under fifty. If they are over fifty, then their c...
by david99
Fri Mar 28, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: "Protecting Your Portfolio From Old Age"
Replies: 19
Views: 2284

Re: The Gecko cost me a lot of $. How often to switch car in

GEICO was the cheapest insurance in my area (Massachusetts) but they don't offer umbrella liability in Mass. My current insurance co. offers auto and umbrella liability -- so it's convenient to get it all with one company.
by david99
Sat Feb 08, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 8083

Re: What will Penfed's February CD rates be?

Maybe we will have to wait until December for the next great CD offer from PF?
by david99
Sun Feb 02, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: What will Penfed's February CD rates be?
Replies: 5
Views: 1388

Re: High Umbrella Limits - A waste

The fact that umbrella liability is inexpensive makes me think that it isn't used too often. On the other hand, since it is inexpensive, we should all have it -- at least to cover our net worth and then some. Also, the insurance company is more likely to agree on a settlement than to let it go to a ...
by david99
Sun Jan 26, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Umbrella Limits - A waste
Replies: 77
Views: 7943

Re: Age in Bonds - Who Follows a Different Strategy?

Seems most folks here are more aggressive than that. Median seems to be closer to age-15 in bonds. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=125674 (Fall 2013) http://www.bogleheads.org/forum/viewtopic.php?p=1224012#p1224012 (allocations in 2007 and 2011) I have my age-15 in bonds.
by david99
Sun Jan 26, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 7152

Re: What Bond Fund do You Invest In?

For fixed income I use: Intermediate Term Investment Grade, Total Bond Mkt., Stable Value Fund (through work), and CDs
I like to spread my investments out a bit so if one fund takes a big hit it won't feel so bad.
by david99
Sun Jan 26, 2014 9:35 am
 
Forum: Investing - Theory, News & General
Topic: What Bond Fund do You Invest In?
Replies: 43
Views: 2846

Re: Tried to get credit report - security questions don't ma

I had the same problem when I tried to get my free credit report with Equifax online ( http://www.annualcreditreport.com). So I called the number for the free annual credit report (877-322-8228) and they are sending the Equifax and Transunion report in the mail. You can get your free annual credit r...
by david99
Wed Jan 22, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 54
Views: 9928

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday, Taylor!

Thank you for your advice and words of wisdom. You've been of great help to many people on this forum.

Best Wishes,
David
by david99
Wed Jan 22, 2014 9:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23062

Re: The PenFed Craze

You don't have to pay a fee to join Pen Fed. You can become a member for free if you've donated blood to the American Red Cross. They also have other ways you can become a member for free.
by david99
Wed Jan 22, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: The PenFed Craze
Replies: 32
Views: 5079

Re: Umbrella Policies

I've heard that you should get twice your net worth in UL coverage. It's rather inexpensive so I imagine that it is not used that often. I think that I pay around $150 per million.
by david99
Fri Jan 03, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policies
Replies: 24
Views: 1923

Re: Investing in Physical as well as Financial Health

I agree --- it's real important to focus on health. I improved my diet recently and started jogging. I really enjoy the jogging and hope that I can do it for a long time. I think that the change in diet helped --- I'm eating better and I have more energy for exercise.
by david99
Thu Jan 02, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Investing in Physical as well as Financial Health
Replies: 39
Views: 2761

Re: New PenFed CD rates!

I was told by a Pen Fed customer service rep that the 3%, 5 year CD would be extended until the end of January. I got a 3% five year CD in December and I plan to get another one in January. There doesn't seem to be any point in getting a 7 year CD since rates are low and will probably go up. Happy N...
by david99
Tue Dec 31, 2013 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 37047

Re: Comfort food

Dark Chocolate
by david99
Fri Dec 06, 2013 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Comfort food
Replies: 68
Views: 4011

Re: What Book Are You Currently Reading? Part V

I'm reading, How to Fail at Almost Everything and Still Win Big by Scott Adams (Dilbert cartoonist). It's funny in that he failed with many of his projects, but he obviously won big with Dilbert. The book is part self help book and part biography. I really enjoyed reading it and he has some good pea...
by david99
Mon Nov 11, 2013 1:34 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1212337

Re: Pull-ups and Push-ups

I am 47 and I do pretty much the same thing.. bodyweight exercises via P90x. I love it (I'm not affiilated in any way with the program btw.. I just like the way it got me out of going to the gym.) I wake up in the morning and go to the garage. Simple and saves time. The difference between P90x and ...
by david99
Sun Nov 03, 2013 9:08 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 47275

Re: Pull-ups and Push-ups

Body weight exercises are great -- especially if you have a bad back like I do. I started out using the pull-up assist machine at the gym a few years ago and now I can do 10 or eleven pull-ups without any help. The body weight exercises (pull-ups, push-ups and dips) strengthened my upper body so I d...
by david99
Sun Nov 03, 2013 8:16 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 350
Views: 47275

Re: Weight Loss Plans?

Check out [Author and book reference removed by admin LadyGeek] It's a whole foods, low fat, plant based diet. It's great in that you can eat as much as you want-- so you aren't hungry all the time. I don't follow his diet 100%. I still eat some animal products--fish, chicken, or cheese. I think tha...
by david99
Fri Sep 20, 2013 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 109
Views: 6616

Re: [Sad news - Pat Larimore]

Taylor,

I'm so sorry for your loss. My thoughts and prayers are with you.

David
by david99
Fri Aug 09, 2013 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16328

Re: Larry Swedroe is next to 10,000 posts

During the financial crisis Larry said that TIPS were begging to be bought --- and he was so right --- I'm glad I bought a bunch. Thanks Larry for all your posts.
by david99
Fri Jul 26, 2013 7:44 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Larry Swedroe is next to 10,000 posts
Replies: 38
Views: 3282

Re: Method of Selecting: What Book are you reading now?

I read articles on the internet such as on the New York Times and then I get the book through the library. I usually read nonfiction.
by david99
Fri Jun 21, 2013 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Method of Selecting: What Book are you reading now?
Replies: 32
Views: 2854

Re: Fidelity Website Down

It worked for me this morning.
by david99
Thu Jun 20, 2013 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Website Down
Replies: 14
Views: 1395

Re: What Book Are You Currently Reading? Part V

I just finished reading VB6 by Mark Bittman. The VB6 stands for vegan before 6:00 pm. He says that he was overweight and pre-diabetic when his doctor told him that he should become a vegan. Since Bittman is a food writer, he didn't want to become a vegan so he came up with VB6. So he is a vegan unti...
by david99
Mon Jun 17, 2013 12:55 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1212337
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