Search found 211 matches

by gravlax
Tue Jun 23, 2015 12:30 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 25603

Re: What was the 2008 crash like in real time?

A funny thing - I was a newly minted Boglehead, having completed reading The Four Pillars of Investing and having recently moved my savings from Ameriprise to Vanguard. I was rereading the Four Pillars, and one of the chapters covers market crashes and pretty much said to stay the course. Add I was ...
by gravlax
Fri Jun 19, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3218

Re: San Francisco advice

SF weather is the opposite of everywhere else it seems. We usually get our worst weather in the summer! This can mean fog and windy, chilly days, so be prepared. There can be nice, warm days mixed in. If you leave the city and drive North, East, or South you will encounter much nicer weather. Do NOT...
by gravlax
Fri Jun 05, 2015 11:22 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35807

Re: much ado about coasting (through life)

Fred Beckey is 92 years old and still climbing. He has made hundreds of first ascents all over the world, never had a professional career, worked whatever jobs would allow him the most time for climbing, and still can be seen in remote parts of the North Cascades, muttering to himself while his you...
by gravlax
Thu May 21, 2015 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 241
Views: 54223

Re: Share your networth progression

Current salary is $135K
I am 49 years old

October 2008: $81k
October 2009: $174k
October 2010: $220k
October 2011: $266k
October 2012: $329k
October 2013: $430k
October 2014: $561k

May 2015: $645k
by gravlax
Thu May 21, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35807

Re: much ado about coasting (through life)

Great thread with many worthwhile contributions. I'm a single 49 year old who is having similar feelings as the OP. I'm making more money than I ever have in a successful tech career, but am feeling burnt out. My work is not longer challenging or interesting. I grew up in a somewhat poor neighborhoo...
by gravlax
Fri May 15, 2015 1:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 2981

Re: Happy Birthday Mr. Bogle

Happy Birthday Jack! Thanks for saving me from the financial wolves!
by gravlax
Mon Apr 27, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: IRA contribution limits for 2015
Replies: 3
Views: 384

IRA contribution limits for 2015

I know that the IRA contribution limit for 2015 is $6500 for those 50 years of age or older.

If I turn 50 in September of this year, can I contribute $6500 to my IRA now? or do I have to wait until after my 50th birthday?

thanks in advance
by gravlax
Thu Jan 01, 2015 10:40 pm
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 15582

Re: [Annual POLL] What was your 2014 return?

Is "I have no idea" a bad answer?
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: 16594

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 11, 2014 1:14 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 3049

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
Wed Oct 15, 2014 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 2068

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
Mon Jun 16, 2014 2:09 pm
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 32
Views: 2307

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
Tue May 13, 2014 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 241
Views: 54223

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
Wed May 07, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Job Hopping? Work History Enclosed.
Replies: 60
Views: 5146

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 Apr 09, 2014 2:25 pm
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 5699

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 Mar 05, 2014 5:06 pm
Forum: Investing - Theory, News & General
Topic: Investing in real estate
Replies: 23
Views: 1431

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
Tue Mar 04, 2014 8:48 pm
Forum: Investing - Theory, News & General
Topic: Investing in real estate
Replies: 23
Views: 1431

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 Jan 07, 2014 1:43 pm
Forum: Investing - Theory, News & General
Topic: Surprises in 2014
Replies: 51
Views: 5072

Re: Surprises in 2014

Dow 36,000
by gravlax
Sun Nov 03, 2013 5:01 pm
Forum: Personal Consumer Issues
Topic: winter wool jacket
Replies: 22
Views: 3212

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
Wed Sep 25, 2013 2:15 pm
Forum: Personal Consumer Issues
Topic: .....
Replies: 40
Views: 4561

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
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: 7915

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
Mon Jul 08, 2013 5:09 pm
Forum: Personal Consumer Issues
Topic: Can anyone suggest any good travel forums?
Replies: 20
Views: 2235

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
Fri Apr 26, 2013 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13979

Re: Your Dumbest Financial Move

One word: Ameriprise
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: 10086

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
Fri Apr 05, 2013 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA snafu
Replies: 1
Views: 490

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
Mon Mar 18, 2013 12:02 pm
Forum: Personal Consumer Issues
Topic: Any New York Times crossword solvers here?
Replies: 20
Views: 1445

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 11:24 am
Forum: Personal Consumer Issues
Topic: Any New York Times crossword solvers here?
Replies: 20
Views: 1445

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
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: 7607

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

I spend almost exactly 15 of my gross income on rent!
by gravlax
Mon Mar 04, 2013 3:16 pm
Forum: Personal Consumer Issues
Topic: KeePass on Mac
Replies: 9
Views: 1559

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 1:52 pm
Forum: Personal Consumer Issues
Topic: KeePass on Mac
Replies: 9
Views: 1559

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 1:13 pm
Forum: Personal Consumer Issues
Topic: KeePass on Mac
Replies: 9
Views: 1559

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
Fri Mar 01, 2013 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for pharmacist jobs with a criminal background
Replies: 28
Views: 3577

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
Thu Jan 24, 2013 6:07 pm
Forum: Investing - Theory, News & General
Topic: How do they do it? [poor 401k selections]
Replies: 20
Views: 1662

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
Fri Jan 18, 2013 4:37 pm
Forum: Investing - Theory, News & General
Topic: Shifting to higher stock allocation during crashes
Replies: 42
Views: 2852

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
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: 1273

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 4:44 pm
Forum: Personal Consumer Issues
Topic: Would I save money trading in BMW for cheaper new car?
Replies: 13
Views: 1273

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 12:18 pm
Forum: Investing - Theory, News & General
Topic: Ordinary Housecat Beats Professional Wealth Managers in Year
Replies: 29
Views: 2484

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
Wed Jan 09, 2013 7:22 pm
Forum: Personal Consumer Issues
Topic: Port Wine Suggestions
Replies: 7
Views: 705

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
Mon Nov 12, 2012 12:33 pm
Forum: Investing - Theory, News & General
Topic: How did you make your million(s)?
Replies: 81
Views: 12058

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

I'm still working on my second million.

I gave up on the first.
by gravlax
Fri Oct 05, 2012 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Question about (poor) record keeping
Replies: 3
Views: 359

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
Wed Aug 08, 2012 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 9060

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
Mon Aug 06, 2012 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Profession, Salary, Age, and Location?
Replies: 37
Views: 3824

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 Jul 09, 2012 12:24 pm
Forum: Personal Consumer Issues
Topic: Long Distance Walking
Replies: 143
Views: 16793

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 May 14, 2012 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: making our money work for us
Replies: 64
Views: 6511

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
Wed May 02, 2012 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: My company is having an IPO!!
Replies: 4
Views: 1200

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
Tue Apr 17, 2012 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13979

Re: Your Dumbest Financial Move

One word: Ameriprise.

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