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Re: "Lessons Learned With Stocks Up 60% From the Precrash Hi

The market highs have been fun, but I have been gradually working us from a 90/10 split to an 75/25 split. Doing this over a few years rather than all at once. Tough to swing over with the market moving up.
by investingdad
Tue Mar 03, 2015 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: "Lessons Learned With Stocks Up 60% From the Precrash High"
Replies: 10
Views: 2674

Re: How much has Bogleheads contributed to your net worth?

6miths wrote:It is hard to say. I think I was a Boglehead before I knew what a Boglehead was but it is certainly wonderful to have the community.


Same here. I was a practicing Boglehead starting at age 23 or so, back around 1996/97. I even managed to marry one.
by investingdad
Sun Feb 22, 2015 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4128

Re: What video games are you currently playing?

Guild Wars 2 and Star Wars: The Old Republic. In fact, my username and avatar are my Juggernaut tank . Granted, I've leveled 10 Juggs now, it's a sickness. Peace is a lie. The warrior story is awesome. Except for marauders. STOP PULLING STUFF! Argh... :P Both of the Knights of the Old Republic are ...
by investingdad
Thu Feb 19, 2015 7:28 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 168
Views: 9780

Re: How to make this fair: gifting to kids with different me

My kids are in grade school right now, but if this situation arises for my wife and I...we'd gift them the same. My wife and her brother are very close to what the OP describes. In this case, we already know that her parents intend to give us certain items of value rather than money. Which is fine f...
by investingdad
Sat Feb 07, 2015 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 8903

Re: What age did you become financially independent of paren

23...same age when I moved out based on having landed first engineering job.
by investingdad
Sun Feb 01, 2015 1:20 pm
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4655

Re: Interview question...salary

As the poster above me suggested, I decided to do just that. I replied back with a salary range that placed my current salary right in the middle. Nothing. No further follow-up by the company by email or voicemail. I am not surprised and I expected this. Also, I'm 95% sure that I had done the final ...
by investingdad
Fri Jan 30, 2015 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3687

Re: What age did you move out?

I don't count living in the dorms away at school as "moving out", since I was not responsible for paying any rent or bills, and I spent all breaks back home with my parents. I lived with my parents for almost a year after I came home from college, while I worked part-time and looked for a...
by investingdad
Thu Jan 29, 2015 11:14 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5185

Re: cvt transmissions

I have a newer Nissan Maxima with a CVT, it's the first car I've owned that wasn't a stick shift. Never having owned an automatic, I don't know what a traditional automatic is supposed to feel like. To me, the the CVT is great and paired with a V6 is pretty nice. I hated getting away from stick shif...
by investingdad
Thu Jan 29, 2015 7:32 am
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2757

Re: Interview question...salary

Waste another day. It's good practice for the next one, if nothing else. You can always say no; if you make a strong impression, maybe they'll counter. Except it's a vacation day I'd need to burn. Which means I'm being picky and choosy before just going off interviewing. Only if I think it's someth...
by investingdad
Wed Jan 28, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3687

Re: Workplace net worth conversations you'd like to avoid?

You probably were right to say nothing, but can you tell us what money advice they gave you? It was actually fine: Start thinking about retirement before you get too much older. Try to contribute to the 401k. No harm, no foul there. But, I do get the distinct sense that the person who is my peer, d...
by investingdad
Wed Jan 28, 2015 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9332

Re: Determining House Needs

We built a house that was driven by the following: - both my wife and I grew up in small ranchers and wanted space - wanted a house that would easily accomodate a family of four - wanted a house that worked with the sun, not against it (orientation and facing direction) - wanted a house that would p...
by investingdad
Wed Jan 28, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: Determining House Needs
Replies: 12
Views: 1498

Workplace net worth conversations you'd like to avoid?

Have you ever been part of conversation at work that turned to net worth and got a bit uncomfortable? There was a conversation this morning between a few people I work with that turned to finances, money, and 'rich' people (in this case millionaire was the defacto word). The conversation was with tw...
by investingdad
Wed Jan 28, 2015 11:10 am
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 87
Views: 9332

Re: What age did you move out?

I suspect a lot of this is generational.

I'm 41 and I bet my GenX cohorts are responding with the early 20s more often than not. Boomers, probably younger and GenY and later....well, later.

Direct relationship to cost of living changes over time?
by investingdad
Wed Jan 28, 2015 9:43 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5185

Re: Interview question...salary

If you're not willing to burn another day, you shouldn't be interviewing in the first place. The interview process on you end involves learning as much as you can about what the perspective job entails and make yourself look like a fit for what they want. The last step is compensation. That is wher...
by investingdad
Wed Jan 28, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3687

Re: Interview question...salary

Perhaps they are hesitant to give you the salary range over the phone or via email without meeting you in person and giving you the whole story. Case in point: I was unhappy with my engineering job and was looking to move to somewhere else. I had a couple good phone interviews with a company and th...
by investingdad
Wed Jan 28, 2015 9:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3687

Re: What age did you move out?

I commuted my first two years of college and then moved to the main campus a few hours away the last two years. I was at home during the summer but in hindsight, should have found a way to work and live at college during the summers. After graduation I didn't have a job lined up right away so I move...
by investingdad
Wed Jan 28, 2015 8:04 am
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5185

Re: Interview question...salary

It sounds like you would be hesitant to accept even if they offered a decent increase. If so it's time to be honest and give them a salary number that you would at least consider. Otherwise you are wasting everyone's time. Yes, this is how I was looking at it. I think rather than asking for a range...
by investingdad
Wed Jan 28, 2015 7:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3687

Re: Interview question...salary

livesoft wrote:I'm laughing because HR is thinking you are withholding information from them.


Withholding salary info? They have not asked.
by investingdad
Tue Jan 27, 2015 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3687

Interview question...salary

I have not interviewed in close to ten years ago so I wanted to bounce this of the board. I'm currently employed but looking at some options. I interviewed with a company that I'm not terribly high on but it could be an option. Anyway, I had a phone screen with the hiring manager and it went well. I...
by investingdad
Tue Jan 27, 2015 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3687

Re: Keurig-cup coffee makers - why?

Well, if you want convenient I'd recommend a fully automatic espresso maker. We have a Capresso F9 and, per the counter, have made more than 10,000 shots of espresso in the years we've owned it. There's a place for putting in whole beans and a water reservoir. Turn it on, let it heat (takes about 30...
by investingdad
Fri Jan 23, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 120
Views: 9252

Re: Thinking about selling my house...

You probably want a hybrid built home...not custom, but not completely pre-designed. There are many builders out there that will do this, obviously some better than others with a high degree of variability between them. Your best best is to find a reputable, local builder that builds both: - many ho...
by investingdad
Thu Jan 22, 2015 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking about selling my house...
Replies: 11
Views: 1033

Re: Boglehead Beer

This is the post to end this thread: =======================================================================================================> That IS the Boglehead beer, period. Consumer Reports even proved it one year. However, I grew up on it and have not purchased it since college. I don't do Bo...
by investingdad
Thu Jan 22, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 498
Views: 72505

Re: Establishing Priorities - Work vs Life Balance

Am 65 and retired. Balance has always been a huge goal for me. I'm happy with the way things are going. I have a good amount of time with family, had good jobs and have enjoyed life. I was never super motivated to rise the corporate ladder, it was more important to go to my daughters soccer game. I...
by investingdad
Thu Jan 22, 2015 8:03 am
 
Forum: Personal Consumer Issues
Topic: Establishing Priorities - Work vs Life Balance
Replies: 20
Views: 1911

Re: What age did you hit $100,000?

To piggy back on this a little, do people feel the first $100,000 seemed to take long time to reach and or feel like one of the tougher numbers to reach? I know it was for myself. Yes, it took awhile given that we started at zero. For me, the bigger milestone was 250K in investable assets...because...
by investingdad
Wed Jan 21, 2015 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6049

Re: The "Less Than" a Million $ Club

Is it odd that I don't have a number? I'm just saving as much as possible and spending only what I need. I've never sat down and figured out a number. At some point, you should determine a "number" or you may end up working years longer than you have to, or forgoing pleasures that you cou...
by investingdad
Wed Jan 21, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 11595

Re: Account disclosure requirements for refinance

In another thread I mentioned I'm helping some folks figure out refinance options. Thanks to suggestions from various people on the forum, I've convinced them to go outside their comfort zone and give some local credit unions with attractive rates a shot. They looked online at the account disclosur...
by investingdad
Mon Jan 19, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Account disclosure requirements for refinance
Replies: 20
Views: 950

Re: Florida in the summer

snowbirding exists for a reason. either live north and go to floridafor the winter or live in florida and go north for the summer. I was going to suggest this as well. My inlaws head down that way early in the new year and come back in March. They spread their time between timeshares they own, crui...
by investingdad
Mon Jan 19, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5601

Re: Birthday gift ideas for a 7 year old chess player

I started playing chess when I was around 11 years old and began reading chess strategy books when I was 12 or 13. Game software is great and all that, but my favorite computer chess game was an actual chessboard with integrated chess computer that used grid lights to indicate which piece the comput...
by investingdad
Mon Jan 19, 2015 8:22 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 1527

Re: Is this an unreasonable quote for interior home painting

We had two painters spend three hours painting our living room, entryway, and two hallways --- about 800 sq ft and 14ft ceilings. They initially quoted $425, I talked them down to $350. They tried to only apply a single coat and say that was good. It wasn't. They applied the second coat after I tol...
by investingdad
Thu Jan 15, 2015 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4408

Re: Is this an unreasonable quote for interior home painting

We have a 2600 square foot house, filled with furniture, everything needs to be covered, etc. Stated another way, a heck of a lot more complicated. We're having our entire interior repainted starting next Monday for $8000. The painter is figuring it's a five-day job with a crew of three. This is a ...
by investingdad
Wed Jan 14, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4408

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Let's just look at the facts as the OP has presented them to us: - OP makes offer contingent upon home inspection - home inspection finds potential roof problem - roofer provides estimate to fix, $15000 - OP asks Seller to fix the roof - Seller refuses but offers "a few thousand dollars" a...
by investingdad
Wed Jan 14, 2015 10:44 am
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 58
Views: 5732

Re: Is this an unreasonable quote for interior home painting

Equipment needed: Painters tape An edger - to seamlessly paint the edges where the wall meets the ceiling without creating drip marks and leaving the wrong colors on other parts of the walls. Rollers with extension bar - as other poster alluded, your arms, hands, back and neck will thank you for it...
by investingdad
Wed Jan 14, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4408

Re: Is this an unreasonable quote for interior home painting

These quotes seem very high. Painting that size condo is a good DIY project, especially considering that it is empty which makes it that much easier. If you can take the time, you could save yourself $4,000 (minus paint & supplies) by doing it yourself. You should be able to do the walls and ce...
by investingdad
Wed Jan 14, 2015 9:19 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4408

Re: Is this an unreasonable quote for interior home painting

We finished a portion of our basement last year and it was about 700 ft2. We hired the original builder of our home as the general contractor for the project based on quality of work. I decided to do the painting myself, here's a listing of scope that I had to take care of: - horsehair brush the wal...
by investingdad
Wed Jan 14, 2015 8:10 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4408

Re: Net Worth Survey, 2015 Edition

The curve has been bent. I found the options for the trendline settings and have selected the polynomial, second order, as recommended and here is an updated chart with all entries (some at the upper and lower maximums). http://i164.photobucket.com/albums/u7/Bigfoot48/Bogleheads/NetWorthSurvey20156...
by investingdad
Tue Jan 13, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23671

Re: How to handle defaulted debts and current student loans?

The smaller bills were mostly from when we lived in Oklahoma. Our wages then were barely enough to cover very basic living expenses. We made mistakes and ordered services that we couldn't afford. So we procrastinated them and this is the result. That answer is fair enough. Have you compiled a FULL ...
by investingdad
Tue Jan 13, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2738

Re: How to handle defaulted debts and current student loans?

You have (fairly large) unpaid bills on Cellphone service and Satellite TV. I strongly suggest you look at cutting these expenses if you have not done so already. Until you get out of debt, you need to keep an eye on unneeded expenses. Sat TV falls into this bucket. I'd also suggest finding a low co...
by investingdad
Tue Jan 13, 2015 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2738

Re: How to handle defaulted debts and current student loans?

I think you will find much better replies now that you are asking for help addressing your primary problem, debt, and not convoluted means of risky wealth building that is inappropriate for somebody in your situation. Frankly, I'd forget Kiyosaki and read Ramsey instead. His investing ideas are off ...
by investingdad
Mon Jan 12, 2015 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2738

Re: How to handle defaulted debts and current student loans?

Again, if you want detailed answers you need to provide detailed information: - how much is the defaulted debt? - how long in default? - what is the interest rate? - how much are the student loans? - what are terms and interest rates? - how much cash do you have on hand? - what is your income? Spous...
by investingdad
Mon Jan 12, 2015 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2738

Re: Young couple looking for a mentor.

Assuming none of the above come to fruition and prepayment works out for you, have you done a cost analysis of the $23 dollars you are saving per week and determined if the interest charges you would pay on your debt exceed that savings? I do not know how to do this. Could you explain? If it helps,...
by investingdad
Mon Jan 12, 2015 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4460

Re: Young couple looking for a mentor.

This frees up ($6000-$4000)/12=$166 a month, not $600. Still not a bad idea. Putting the $4,000 immediately towards your CC debt would get you $70 a month and help you immediately start rebuilding your credit. I could go either way on this. No, our childcare expense currently is $150/week or $600/m...
by investingdad
Mon Jan 12, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4460

Re: Young couple looking for a mentor.

This frees up ($6000-$4000)/12=$166 a month, not $600. Still not a bad idea. Putting the $4,000 immediately towards your CC debt would get you $70 a month and help you immediately start rebuilding your credit. I could go either way on this. No, our childcare expense currently is $150/week or $600/m...
by investingdad
Mon Jan 12, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4460

Re: Help me to understand time shares

We've stayed at a timeshare resort that we really like in Florida a couple of times, and look forward to going back. It's fantastic there. We get the standard pitch when we're checking in since we're "guests of owners". I always reply, why buy when I can just rent points from somebody? Giv...
by investingdad
Fri Jan 09, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5427

Re: Help me to understand time shares

classic timeshares are a loser. I however own Disney Vacation Club(dvc) for over 20 years and it has been a winner for us. I would recommend it only if you like going to disney parks(wdw) although you can also use it with other time sharing options companies. you buy 'points' not weeks and they can...
by investingdad
Fri Jan 09, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5427

Re: Accepting counter-offer to stay at job

Here's a thought, why not ask your manager what "shower you with money" really means? "Good morning, Bob. I wanted to get back to you on our conversation we had yesterday (or last week) about my decision to leave. I know you'd like me to stay and even said, "shower me with money&...
by investingdad
Tue Jan 06, 2015 8:54 am
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6708

Re: Accepting counter-offer to stay at job

I have never sought, nor accepted a counter offer. A couple of them were quite substantial. I think when you have mentally decided to leave you should follow through. Now, I realize this is at best purely anecdotal information. I have seen counter offers accepted, but never seen one end well. They ...
by investingdad
Mon Jan 05, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6708

Re: Misunderstanding around dimensions

At the end of the day, we'll know soon enough when they see the first set of proposed layout work and somebody puts two and two together and realizes there isn't enough space. Or, it will turn out everyone knew all along and only I was confused by this ambiguity.
by investingdad
Mon Jan 05, 2015 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2039

Re: Misunderstanding around dimensions

Here's what you'd think is a straightfoward question. Let's say you're trying to size something to fit on your property before commiting to buy it. When asked for the dimensions of the footprint to figure out how much space you need, you're told by the place you're buying from: "It's a hundred...
by investingdad
Mon Jan 05, 2015 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2039

Re: Misunderstanding around dimensions

I don't want to detail too much because of the nature of the topic. But let me clarify. When we started working on this, we incorrectly assumed we were talking about a smaller size. Because none of us really knew what the end product was going to look like. As work progressed, it was clear we grossl...
by investingdad
Mon Jan 05, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2039

Re: Misunderstanding around dimensions

In this case we're talking about a dimension that is, in fact, square shape. So, if it's 100 feet square (those exact words), what's my total area? The reason that this is ambiguous is that phrase has inconsistent units. 100 feet is a linear dimension. 100 square feet is a measurement of area. 100 ...
by investingdad
Mon Jan 05, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2039
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