Search found 443 matches

by david99
Tue Jul 21, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking car insurance alternatives in MA
Replies: 18
Views: 911

Re: Seeking car insurance alternatives in MA

I just switched to GEICO and I saved some money. I used to have Commerce Insurance.
by david99
Fri Jul 10, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Friend's House - what to do about agent's commission
Replies: 17
Views: 1832

Re: Buying Friend's House - what to do about agent's commission

You need a real estate attorney and someone to inspect the house. I would not involve the realtor in this purchase for fear that they will request some commission. I've bought and sold two houses without a realtor --- I only had an attorney that specialized in real estate and a home inspector. If yo...
by david99
Fri Jun 26, 2015 8:03 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6620

Re: Bogleheads are more aggressive...

Maybe it's that a lot of Bogleheads are invested in the Total Stock Market or All World ex-US and we have confidence that they will do well over the long run. We probably wouldn't have our age-15 in bonds if we were invested in a few stocks. I actually have my age-15 in bonds and it's because I beli...
by david99
Thu May 28, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 6724

Re: Should I shorten my last name?

I shortened my last name and I'm really glad I did. I just did it myself -- I didn't use a lawyer --- it was easy to do--- I just had to file some paper work with the state and then I appeared before a judge --- he asked me a few questions and I was done. I did this about 20 years ago. I highly reco...
by david99
Thu May 07, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3390

Re: Buying new car

The Subaru Forester has had a problem with excessive oil consumption ---- there is a class action lawsuit for this problem. Just Google Subaru Forester class action lawsuit or Forester excessive oil consumption. I don't know if it's a problem with the 2015 ( I don't know why it wouldn't be a problem...
by david99
Sat Mar 14, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1005
Views: 162125

Re: What Movie Have You Recently Watched?

I recently saw Jersey Boys -- about Franky Vali and the Four Seasons. Great movie.
by david99
Sat Feb 14, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 4016

Re: Dealing with problematic tenants.

I would raise the rent to help pay for all the damage they have done. At this point they have trashed the place so it's probably not going to get much worse. There is something to be said for getting your rent on time and no one complaing about them. If they have another grease fire and cause signif...
by david99
Thu Jan 29, 2015 8:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 2411

Re: What is your BMI?

It might be better to ask this question over the summer when most of us are more active --- I usually drop 5 to 10 pounds over the summer.
by david99
Wed Jan 28, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 6093

Re: What age did you move out?

I moved out at 23 after I graduated college and got my first full time job. I was really ready to move out at that point.
by david99
Sun Jan 18, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1005
Views: 162125

Re: What Movie Have You Recently Watched?

The Railway Man. It's about a British prisoner of war who was captured by the Japanese. Excellent movie. It's based on a true story-- I think that the book has the same title.
by david99
Sat Jan 17, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 5108

Re: boglehead workout

I jog three times a week and do strength training three times a week.
by david99
Wed Jan 07, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2622

Re: Transcendental meditation

You can get some books and DVDS from the library on meditation. I tried meditation but didn't like it. I have known people that find it useful. I just go to the gym to relieve stress and relax.
by david99
Fri Jan 02, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1005
Views: 162125

Re: What Movie Have You Recently Watched?

I recently saw Argo. Very good movie about the Iranian hostage crisis in the 1980's --- People were taken from the US embassy and held hostage but a few managed to go to the Canadian embassy. I got the video from the library. In the special features section it also had an interview of Jimmy Carter a...
by david99
Fri Jan 02, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Car shuts off while driving - death, dealers, & liability
Replies: 47
Views: 5618

Re: Car shuts off while driving - death, dealers, & liabilit

Do you know anyone who is selling an older, reliable car? If you do, you could buy it and drive it around for a few months and then sell it for what you paid. If you don't put much mileage on an older car, then it won't depreciate in a few months --- by then your car should be fixed and this would b...
by david99
Thu Jan 01, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 8495

Re: Vanguard's best fund: Healthcare?

I've been very happy with this fund. It's done very well in the past ten years, but I wonder how it will do in the future?
by david99
Thu Jan 01, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: "Soft Retirement" possible?
Replies: 29
Views: 5154

Re: "Soft Retirement" possible?

What will your pension be at 55 or 60 ?
by david99
Thu Jan 01, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Professor Dumpster, a really tiny house.
Replies: 18
Views: 2619

Re: Professor Dumpster, a really tiny house.

It's pretty cool what they can do with a shipping container.
by david99
Wed Dec 31, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 17743

Re: Documentaries to recommend?

Forks Over Knives
This is an interesting documentary about the benefits of a whole foods, plant based diet.
by david99
Wed Dec 31, 2014 9:54 am
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 4101

Re: Do any other men here regulalry use skin care products?

I also use Cetaphil during the winter because my skin gets very dry and itchy. Cetaphil works great --- I use it all winter long. I don't use any skin care products during the summer except sun screen when I'm out in the sun for a few hours.
by david99
Mon Dec 29, 2014 9:16 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6931

Re: How Much Do You Sacrifice?

You're doing very well for someone your age --- you're saving 18% of your gross and you have an emergency fund. You should just go back to playing golf --- and if one of you gets laid off, then you can cut back on your expenses --- but in the mean time you should enjoy yourself. Besides the gym and ...
by david99
Fri Dec 26, 2014 9:04 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 196754

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

Now you can start a new thread about buying a Lamborghini.
by david99
Sun Dec 21, 2014 9:08 am
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 10371

Re: How do you define "being rich"?

This is a subjective question. Ask a person with a net worth of $10,000 and they'll say that someone with a million dollars is rich. Then ask someone with 1MM and they will say that someone with 10MM is rich. Ask the person with 10MM ....
by david99
Sat Dec 20, 2014 1:45 pm
Forum: Personal Consumer Issues
Topic: Major Life Decision -- Do we need to keep working?
Replies: 56
Views: 7910

Re: Major Life Decision -- Do we need to keep working?

It sounds like you would prefer to stay in the US. So I think that I would stay in the US but not retire. Personally, I would not want to retire at 50 with 1.4 MM. You can build your consulting business and your significant other could also find a job --- this way you can continue to let your portfo...
by david99
Sat Dec 06, 2014 11:30 am
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8815

Re: Where do you shop for groceries?

Costco, Trader Joes, Market Basket
by david99
Tue Dec 02, 2014 9:16 am
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 11429

Re: Favorite nonfiction books

The Double Helix by James Watson. I thought that it was a fascinating read.
Anything by Stephen Jay Gould
Surely You're Joking Mr. Feynman by Richard Feynman
Personal History by Katherine Graham
by david99
Sun Nov 30, 2014 11:05 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1005
Views: 162125

Re: What Movie Have You Recently Watched?

I recently saw The Book Thief. I thought that it was a really good movie --- it was about WWII so it's tragic but still very good.
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: 8239

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
Tue Nov 11, 2014 1:01 pm
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 1004

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
Thu Oct 16, 2014 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 37
Views: 5574

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 09, 2014 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5917

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
Tue Sep 30, 2014 9:16 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 149
Views: 15507

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
Fri Sep 19, 2014 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 530

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
Wed Sep 17, 2014 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 21
Views: 1760

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
Tue Sep 09, 2014 9:01 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 13600

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
Mon Sep 01, 2014 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 7216

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
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: 4101

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 9:49 am
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 14606

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
Fri Aug 29, 2014 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 55
Views: 6539

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
Sun Aug 24, 2014 8:12 pm
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 12190

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
Wed Aug 13, 2014 10:41 am
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 3141

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
Tue Aug 12, 2014 8:53 pm
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 5177

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 05, 2014 11:24 am
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 7607

Re: average American eats out 203 times per year

I'm way under --- I also prefer home cooking.
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: 6275

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
Thu Jul 31, 2014 4:43 pm
Forum: Investing - Theory, News & General
Topic: Misleading information on tax loss harvesting wiki article
Replies: 34
Views: 1646

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
Mon Jul 28, 2014 8:34 pm
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 6064

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
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: 8327

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 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 17726

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 8:39 pm
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 8456

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 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Likely about to lose job, planning for transition
Replies: 21
Views: 2767

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.

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