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Re: how to make money like a billionaire

“I am more concerned with the return of my money than the return on my money.” Will Rogers (11/4/1879)
by gravlax
Tue Nov 18, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 11837

Re: Puerto Rico

I've never been to Puerto Rico, but am going for the first time in February with some friends that have been there before. All the reading I have done says not to miss the island of Culebra, especially if you like beaches. Supposed to be some of the best in the world. We're going mostly for scuba, a...
by gravlax
Tue Nov 11, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 16
Views: 1791

Re: What is common for a severance package?

I've heard of a week's pay per year as being common, for example seven weeks of pay for your wife.
by gravlax
Wed Oct 15, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 1895

Re: chicken marinade recipes

Hello all, Today I am Mr. Mom. My wife is at work and I just put my daughter down for a nap, so now I've got a little time to kill. After the horrendous midwestern winter we just endured, I have plans to be outside and grill out as much as possible. For those who like to do the same, what sort of m...
by gravlax
Mon Jun 16, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 32
Views: 2010

Re: Share your networth progression

I became a sort of a Boglehead for the first time in 2006 with a net worth of just about zero. Started saving, and then got taken by a fast talking Ameriprise investment advisor, and put all of my saving in high expense funds that were recommended. Rediscovered Bogleheadism (for real this time), and...
by gravlax
Tue May 13, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 24142

Re: Job Hopping? Work History Enclosed.

Would potential employers be wary of my work history? Would there be concerns or hesitation regarding "job hopping"? I intended on staying with Employer 3 for the long run but external forces are at play. I work as a salaried, full-time employee in the defense/tech industry. I am in my la...
by gravlax
Wed May 07, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Hopping? Work History Enclosed.
Replies: 60
Views: 4820

Re: Favorite Investing Book?

I'd probably go with the Four Pillars, although it may just be because that was one of my earlier reads and it was all still new to me.

I also enjoyed the Richest Man in Babylon and Your Money or Your Life quite a bit.
by gravlax
Wed Apr 09, 2014 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 5349

Re: Investing in real estate

Thanks for the comments, everyone. This is just the sort of discussion I had hoped my post would elicit.

I'm reading and researching based on the information provided above.
by gravlax
Wed Mar 05, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in real estate
Replies: 23
Views: 1403

Investing in real estate

I'm considering the pros and cons of buying a house for portfolio diversification. This is just a thought experiment for me at this point, but I am turning the idea over in my head and would like to hear from more knowledgeable posters on this forum. (That means you!) Current situation: 46 years old...
by gravlax
Tue Mar 04, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in real estate
Replies: 23
Views: 1403

Re: Surprises in 2014

Dow 36,000
by gravlax
Tue Jan 07, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Surprises in 2014
Replies: 51
Views: 4871

Re: winter wool jacket

I got an icebreakers jacket, which is really nice, but was rather expensive.

Here in San Francisco, the Uniqlo brand has been getting quite popular. I'm not sure about the quality, but the prices seem pretty darn reasonable:

http://www.uniqlo.com/us/home
by gravlax
Sun Nov 03, 2013 5:01 pm
 
Forum: Personal Consumer Issues
Topic: winter wool jacket
Replies: 22
Views: 3127

Re: Easy-to-use MP3 Player for Senior

Got my mom (a senior) a Kindle Fire since she reads so many books.

Well, she stopped reading books, and is now playing solitaire, doing crosswords, and playing words with friend with everyone and their brother. And I still can't beat her at Fruit Ninja!
by gravlax
Wed Sep 25, 2013 2:15 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 40
Views: 3926

Re: At what age did you reach $1 million dollars in cash?

Hardly anyone has $1 million in cash.

Maybe change it to $1 million in investable assets.
by gravlax
Fri Jul 19, 2013 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did your net worth reach $1 million?
Replies: 57
Views: 7303

Can anyone suggest any good travel forums?

I've got a bit of wanderlust (and some vacation time!) and am planning on doing some travel soon, but still int he planning stages. I've tried Google for "travel forum" but I keep finding advertisements or not very active forums. I'd love to find a community like bogleheads.org, but for th...
by gravlax
Mon Jul 08, 2013 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Can anyone suggest any good travel forums?
Replies: 20
Views: 2060

Re: Your Dumbest Financial Move

One word: Ameriprise
by gravlax
Fri Apr 26, 2013 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13283

Re: Poll: How many $100 dinners out per year?

I answered "1", but am not sure if that really accurately describes my spending on dinners out. I usually go out once or twice a week where my portion of the bill is about $50 or $60 dollars. Seldom do I go to the next level higher of expense with the restaurants. $100 each seems like quit...
by gravlax
Mon Apr 15, 2013 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Poll: How many $100 dinners out per year?
Replies: 152
Views: 9888

SEP IRA snafu

I'm trying to Google my way through some SEP IRA questions I have, but to no avail. Here is my scenario: * I work fulltime as a W2 employee, and contributed the max $5K to my traditional IRA fro 2012. * I also have a side business in which I get 1099 income. After expenses, I took in $10K in 2012. *...
by gravlax
Fri Apr 05, 2013 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: SEP IRA snafu
Replies: 1
Views: 317

Re: Any New York Times crossword solvers here?

You might really enjoy the book Wordplay: The Official Companion Book , it has a lot of interesting background and a lot of interesting crossword puzzles in it, illustrating various aspects of crossword puzzle lore. I have seen the movie, but did not realize there was a book available. Will look in...
by gravlax
Mon Mar 18, 2013 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Any New York Times crossword solvers here?
Replies: 20
Views: 1333

Any New York Times crossword solvers here?

In case you didn't know, the New York Times offers some of the best crossword puzzles available. The puzzles get significantly more difficult from day to day with Monday being the easiest, and Saturday being the most difficult. The Sunday puzzles are sort of a different beast, with a different edito...
by gravlax
Mon Mar 18, 2013 11:24 am
 
Forum: Personal Consumer Issues
Topic: Any New York Times crossword solvers here?
Replies: 20
Views: 1333

Re: What % of gross income do you spend on rent/mortgage?

I spend almost exactly 15 of my gross income on rent!
by gravlax
Wed Mar 13, 2013 1:00 pm
 
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 7186

Re: KeePass on Mac

To clarify a bit more, I have been able to install KeePassX on my mac running Mountain Lion. This is a free product made by Keepass that generated .kdbx files. However, it will not open .kdb files created by regular Keepass. uh-oh, i use mountain lion. believe database created by KeePass 2 on windo...
by gravlax
Mon Mar 04, 2013 3:16 pm
 
Forum: Personal Consumer Issues
Topic: KeePass on Mac
Replies: 9
Views: 1378

Re: KeePass on Mac

To clarify a bit more, I have been able to install KeePassX on my mac running Mountain Lion. This is a free product made by Keepass that generated .kdbx files.

However, it will not open .kdb files created by regular Keepass.
by gravlax
Mon Mar 04, 2013 1:52 pm
 
Forum: Personal Consumer Issues
Topic: KeePass on Mac
Replies: 9
Views: 1378

Re: KeePass on Mac

I've had problems with Keepass on Mountain Lion, but not on previous versions of OSX.

I work in tech and have coworkers with other versions and no problems, but the latest version of OSX does not play nicely with Keepass. You can eventually get it to work, but it is not pretty.
by gravlax
Mon Mar 04, 2013 1:13 pm
 
Forum: Personal Consumer Issues
Topic: KeePass on Mac
Replies: 9
Views: 1378

Re: Looking for pharmacist jobs with a criminal background

A good friend of us is graduating from a pharmacy school this year. He started job searching Dec. last year and has been through a few phone/face-to-face interviews. However, most of them just went silent after the interviews. He told us one hiring manager in January initially offered him a job ver...
by gravlax
Fri Mar 01, 2013 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for pharmacist jobs with a criminal background
Replies: 28
Views: 3477

Re: How do they do it? [poor 401k selections]

Think of the incentives involved. A lot of money flows into 401(k) accounts, and if you can think of a way to get even a small % of that money you will do rather well.

Enter salespeople.
by gravlax
Thu Jan 24, 2013 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: How do they do it? [poor 401k selections]
Replies: 20
Views: 1632

Re: Shifting to higher stock allocation during crashes

Sounds similar to the "buy on the dips" strategy. The only problem is no-one ever knows where the dips were (or ended), except for in hindsight. What if the stock market drops 20%, you adjust your allocation to 100% equities, and then the market drops another 40%? Or what if the market doe...
by gravlax
Fri Jan 18, 2013 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Shifting to higher stock allocation during crashes
Replies: 42
Views: 2794

Re: Would I save money trading in BMW for cheaper new car?

Once a year for the free annual oil changes, and that was it. Didn't need anything outside of that during the 4 year period. Actually I had some kind of weird rattle, but that was fixed under warranty, and that's it. Interesting. I often hear people complaining about the maintenance on BMWs, but mi...
by gravlax
Mon Jan 14, 2013 4:52 pm
 
Forum: Personal Consumer Issues
Topic: Would I save money trading in BMW for cheaper new car?
Replies: 13
Views: 1093

Re: Would I save money trading in BMW for cheaper new car?

I've got an aging (1998) BMW M3 with 150K miles on it, and upkeep has not been too bad. I am a bit of a DIY guy and change my own oil usually, and NEVER take it to the dealer, but to independent mechanics if I need brakes or anything like that. There are many factors to consider, including: -Insuran...
by gravlax
Mon Jan 14, 2013 4:44 pm
 
Forum: Personal Consumer Issues
Topic: Would I save money trading in BMW for cheaper new car?
Replies: 13
Views: 1093

Re: Ordinary Housecat Beats Professional Wealth Managers in

Don't kid yourselves. That's no ordinary housecat!

I've signed up for his newsletter already...don't be left behind.
by gravlax
Mon Jan 14, 2013 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Ordinary Housecat Beats Professional Wealth Managers in Year
Replies: 29
Views: 2425

Re: Port Wine Suggestions

Warres Warrior is my favorite for value: http://www.warre.com/section.php?id=1064

If you like ports, you may want to try a Madiera (another fortified wine) and Sauternes (white, French, an a bit more expensive).
by gravlax
Wed Jan 09, 2013 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Port Wine Suggestions
Replies: 7
Views: 624

Re: How did you make your million(s)?

I'm still working on my second million.

I gave up on the first.
by gravlax
Mon Nov 12, 2012 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: How did you make your million(s)?
Replies: 81
Views: 11801

Question about (poor) record keeping

I had a 401(k) about 20 years ago that I rolled into an IRA, and then moved into Vanguard. I've also put more money into the IRA since. The problem is that I no longer can recall the 401(k) provider (or even my employer at the time). What happens when I start to withdraw? How does the taxation on th...
by gravlax
Fri Oct 05, 2012 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about (poor) record keeping
Replies: 3
Views: 339

A Mutual Fund Master, Too Worried to Rest

I didn't see this posted: http://www.nytimes.com/2012/08/12/busin ... .html?_r=1

An article about Mr. Bogle
by gravlax
Thu Aug 16, 2012 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: A Mutual Fund Master, Too Worried to Rest
Replies: 2
Views: 606

Re: What was Your Starting Salary Out of College?

TheDev wrote:
gravlax wrote:$75K/yr. in 1996.


what do you do? was this job in a high cost of living area?


Well, back then I did computer development. That was right out of school with a CS degree and, yes, a high cost of living area. Near SF, CA.
by gravlax
Wed Aug 08, 2012 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 8846

Re: What is your Profession, Salary, Age, and Location?

I'll go.

Profession: System and Network administrator
Salary: $150K/year
Age: 46
Location: South San Francisco, CA
by gravlax
Mon Aug 06, 2012 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your Profession, Salary, Age, and Location?
Replies: 37
Views: 3696

Re: Long Distance Walking

I've done many 100+ mile treks of various sorts. Several times I've logged more than 40 miles a day, although some of it was jogging. One of my favorites was walking the length of Isle Royale and back in the early spring. I timed it perfectly because the trees had no leaves when I arrived, and they ...
by gravlax
Mon Jul 09, 2012 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 15981

Re: making our money work for us

I disagree that their savings are a joke. They have $110k in liquid assets plus some equity. That might not put them amongst the top half here, but they are ahead of the average for their age group (35-44) despite being 35. Agreed. I thought some of the previous comments were a bit rude as well... ...
by gravlax
Mon May 14, 2012 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: making our money work for us
Replies: 64
Views: 6392

My company is having an IPO!!

...well not really. At least not yet. However, I am working at a Silicon Valley startup that is likely to go public in the next couple of years, and I have a significant (to me) share of equity in the company. Has anyone on this board ever had a windfall from stock options that were granted as part ...
by gravlax
Wed May 02, 2012 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: My company is having an IPO!!
Replies: 4
Views: 1162

Re: Your Dumbest Financial Move

One word: Ameriprise.
by gravlax
Tue Apr 17, 2012 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13283

Re: <Richard Dawson voice> Survey says $150K needed to live.

Hmmm...I make less than $150K a year, live in one of the most expensive cities in the US (San Francsico), drive a BMW, collect expensive wines, go to nice restaurants, travel frequently, and am still able to save and invest alot. No need to make anywhere neat $150K/year to live. Did you win the lot...
by gravlax
Fri Mar 09, 2012 1:31 pm
 
Forum: Investing - Theory, News & General
Topic: <Richard Dawson voice> Survey says $150K needed to live...
Replies: 102
Views: 4247

Re: <Richard Dawson voice> Survey says $150K needed to live.

Hmmm...I make less than $150K a year, live in one of the most expensive cities in the US (San Francsico), drive a BMW, collect expensive wines, go to nice restaurants, travel frequently, and am still able to save and invest alot. No need to make anywhere neat $150K/year to live. Did you win the lot...
by gravlax
Fri Mar 09, 2012 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: <Richard Dawson voice> Survey says $150K needed to live...
Replies: 102
Views: 4247

Re: <Richard Dawson voice> Survey says $150K needed to live.

Hmmm...I make less than $150K a year, live in one of the most expensive cities in the US (San Francsico), drive a BMW, collect expensive wines, go to nice restaurants, travel frequently, and am still able to save and invest alot.

No need to make anywhere neat $150K/year to live.
by gravlax
Fri Mar 09, 2012 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: <Richard Dawson voice> Survey says $150K needed to live...
Replies: 102
Views: 4247

Re: How Would You Invest $122 Million?

I'd put it all in a hedge fund.
by gravlax
Wed Mar 07, 2012 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: How Would You Invest $122 Million?
Replies: 76
Views: 5276

Re: Need some advise on shredder

paulsiu wrote:Need some advise on shredder...


I prefer the earlier stuff like Yngwie Malmsteen and Paul Gilbert, but some of the new guys are decent. Buckethead seems to have alot of fans, but he's not really my cup of tea.
by gravlax
Tue Jan 17, 2012 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Need some advice on shredder
Replies: 39
Views: 2386

Re: 7-day alarm clock

linuxuser wrote:If there isn't such a thing, is there an iPhone app that can do the same thing?


The default iphone alarm clock does what you want.
by gravlax
Mon Jan 16, 2012 2:25 pm
 
Forum: Personal Consumer Issues
Topic: 7-day alarm clock
Replies: 12
Views: 1795

Re: Can someone explain this "work of art"?

I'd pass over it and see what else Mel had at his garage sale.
by gravlax
Fri Nov 11, 2011 11:51 am
 
Forum: Personal Consumer Issues
Topic: Can someone explain this "work of art"?
Replies: 36
Views: 2371

Re: What type of small business would you start in this clim

Been reading a lot about small businesses. I wanted to get your opinions what small businesses you start in this climate. I think would open up a bar. Everyone needs a drink. There is a bar here in San Francisco that gives $1 all drinks and appetizers for every 100 points the Dow loses that day. It...
by gravlax
Mon Nov 07, 2011 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What type of small business would you start in this climate?
Replies: 42
Views: 2779
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