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Re: Riding the Rails--my Amtrak trip

investingdad wrote:I'm on Amtrak right now as well, Providence down to Philadelphia.


And I will add that, having taken the Acela up to Providence, that the Acela is much more comfortable. The seats do a better job of supporting you. On the regular Northeast Local I was having pain in my leg due to back problems.
by investingdad
Thu Jul 24, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 31
Views: 2092

Re: Riding the Rails--my Amtrak trip

I'm on Amtrak right now as well, Providence down to Philadelphia.
by investingdad
Wed Jul 23, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 31
Views: 2092

Re: If you own a car, do you have a car payment?

Hi, I bought my 2014 Nissan Altima on a loan. I could buy the car with cash. Why?? I get additional $500 cash back and the 3 years 7.5K loan is at 2.69%. Effectively, I get paid ($500 - $326) = $174 to take the loan. The loan is less than 0%. KlangFool I almost went with the Altima but I had read a...
by investingdad
Fri Jul 18, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6263

Re: If you own a car, do you have a car payment?

I'm financing my 2013 Maxima at 0%. Got it for 26.9K, well below sticker, because it was the base model and a left over.
by investingdad
Fri Jul 18, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 110
Views: 6263

Re: Options/guidance for a lazy person to be fit

After many years of not exercising (my 30s, basically) I've recently found as I crested 40 that the weight goes on much easier than it comes off. I don't know if you've played sports in the past, but I used to play tennis. I recently got back into game after quitting out of frustration in my late 20...
by investingdad
Fri Jul 18, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5155

Re: Why does anyone use American Express?

I have an AMEX Corporate Card because that's who are MegaCorp is tied in with.
by investingdad
Thu Jul 17, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 21993

Re: Builder Options and Property Tax?

Wanted the boards opinion to make sure I am thinking about this correctly: In a mass produced suburb(subdivision) type development. Base house price is around 235,000 for 3100 sqft. Upgrades can take you close to 400K. When you build a house in a development your property tax valuation is set at wh...
by investingdad
Tue Jul 15, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Builder Options and Property Tax?
Replies: 9
Views: 617

Re: Birthday gift for a 10 year old girl

My daughter is 9 and my son will be turning 7. I'm an avid gamer and I have an Xbox 360. So far the only games we allow the kids to play are the ones we download for them onto a shared Kindle. If you introduce video gaming to her via a Console, make sure you understand what games she's playing. Also...
by investingdad
Sun Jul 13, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 1432

Re: List of Worst financial advice (what not to do):

I don't invest because I'm not going to give the gov't one more red cent in taxes. I already pay taxes on my income, why would I invest and give them more?


(actually spoken by my mom's brother)
by investingdad
Wed Jul 09, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 130
Views: 14171

Re: Driving from outside Philly to Florida, with 3 children.

I used to make this trip when I was a kid and I hated it. My wife and I drove it once and it wasn't too bad. We fly when we go to Florida but the kids are now 7 and 9 and could probably tolerate it with books and movies w/o being nearly as bored as I used to get. We're also outside Philly. When my w...
by investingdad
Wed Jul 09, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Driving from outside Philly to Florida, with 3 children...
Replies: 22
Views: 1797

Re: Valuing a personal residence for net worth purposes

I value it at downpayment plus principal paid.
by investingdad
Tue Jul 08, 2014 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 3751

Re: Do you tell your kids how much you make?

My kids are in elementary school so they only have a vague idea about income and salary. That said, I've explained to my daughter that some jobs require a lot of years in college or special colleges (medicine, law, etc). Because it takes so much time and there is so much to learn in order to become ...
by investingdad
Mon Jul 07, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5900

Re: Retiring without any Direction

Maybe her entertainment is torturing you. :twisted: Don't worry, they've been doing that for the last 30+ years. I know I probably focused too much on the recent conversation with mom. The real point here is that it got me thinking about how I'll need to find good ways to fill my time once we do re...
by investingdad
Mon Jul 07, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2045

Re: Retiring without any Direction

livesoft wrote:If your mom wants to travel, then your mom should travel without your dad. If she makes excuses about that, then ….


I've pointed this out to her already with little success.
by investingdad
Mon Jul 07, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2045

Retiring without any Direction

I wanted to share this since most of the people on this forum are focused on an early retirement and early financial independence. I know that I certainly am. My wife and are both 41 this year and with planning, some help from the market, and a dash of luck we may be in a place where retiring in our...
by investingdad
Mon Jul 07, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2045

Re: Neighbor's Fireworks

We've lived in our neighborhood for about a year and this was our second 4th of July here (first one actually at home, however). OOur neighbor two doors down put on quite the firework display last night. There was a slight breeze so much of the firework debris ended up on my yard and on my roof. It...
by investingdad
Sat Jul 05, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's Fireworks
Replies: 50
Views: 4328

Re: "Only a fraction of Americans directly own stocks"

The comments section in that article show that most people don't understand stocks, the stock market, or a great many basic financial principles.
by investingdad
Sat Jul 05, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 3268

Re: I found a new coffee.

I try to roast just enough to get through the week. Here is what I am currently using: http://www.sweetmarias.com/store/roast-coffee/air-roasters/westbend-air-crazy.html And a link to how to do it: http://www.sweetmarias.com/airpop/airpopmethod.php This is very cool. We have an air popper that we u...
by investingdad
Thu Jul 03, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5234

Re: In retirement you expect you standard of living to?

If it stays the same I will be quite satisfied.
by investingdad
Thu Jul 03, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4506

Re: I Hit My Number Today!

The better question is this...is that your Lotus in your avatar picture? :happy
by investingdad
Thu Jul 03, 2014 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3288

Re: I found a new coffee.

We have a Full Automatic espresso maker...basically it grinds the beans and dispenses the espresso. We buy a 5 pound bag of coffee from CoffeBeanDirect and then split it up into glass mason jars. I pour enough beans into the hopper for each serving. I will say that cold brewing in a French Press gi...
by investingdad
Thu Jul 03, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5234

Re: I found a new coffee.

We have a Full Automatic espresso maker...basically it grinds the beans and dispenses the espresso. We buy a 5 pound bag of coffee from CoffeBeanDirect and then split it up into glass mason jars. I pour enough beans into the hopper for each serving. I will say that cold brewing in a French Press giv...
by investingdad
Thu Jul 03, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5234

Re: I found a new coffee.

Coffee mini-snob here. I say "mini-snob" because a full-on snob would roast the beans personally. I buy roasted, whole, beans mail order from several different sources. There are many on the internet. Here are a few ... http://www.austinroastingcompany.com/ http://www.lacolombe.com/ (I ju...
by investingdad
Wed Jul 02, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5234

Re: How to admit/should I admit alcohol problem to employer

Well done on taking a massive first step. My megacorp has an EAP for these exact reasons. If you have one, call them. I second an attorney chat just to be safe. Though I have no way to support this statement, I'd expect the employee that proactively seeks treatment is in a better place than the empl...
by investingdad
Wed Jul 02, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 97
Views: 10212

Re: do you lie about your finances to friends

Most people do not have admiration for financial independence. No they don't. Because it often means they have to review how they're spending or managing their money and they know it's a problem. Just give a listen to call-in guests on Ramsey or Suze Orman...people with higher incomes making poor c...
by investingdad
Tue Jul 01, 2014 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8880

Re: The Millionaire Next Door: Are You One?

As much as we like to believe different bogleheads are human. Like every other human we tend to want acceptance from others that we "belong" and want positive reinforcement of their actions. In the real world most try to get that through material objects. Here at bogleheads we get that th...
by investingdad
Tue Jul 01, 2014 7:18 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22172

Re: How much $$ to change jobs?

Why not shoot for the moon?
by investingdad
Mon Jun 30, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 4134

Re: The Millionaire Next Door: Are You One?

We live in a nice neighborhood, but there's a mix of people there. Our county makes it very easy to look up deed and mortgage amounts. As such, I know what's happening in my neighborhood. What the neighbors do does impact us as the recent changing of hands of the unfinished portion of our developmen...
by investingdad
Mon Jun 30, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22172

Re: Quantum of the Seas

We're planning a family cruise on Anthem of the Seas in 2015. Been awhile since we sailed, should be interesting. Let us know how the trip goes.
by investingdad
Fri Jun 27, 2014 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Quantum of the Seas
Replies: 1
Views: 468

Re: leaving big company to join small one

Does the new location offer other employment opportunities? I think that would make a difference for you as well.
by investingdad
Thu Jun 26, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: leaving big company to join small one
Replies: 22
Views: 1884

Re: Am I Nuts?

I don't see enough info for me to give advice on the finances, so I won't. But having just converted half of our basement into a finished game room, I will advise that you live in the house for a few years before doing any work. We built our place in 2010, coming from another home we'd built and sol...
by investingdad
Thu Jun 26, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2731

Re: What is the risk of having too much house

I would be very uncomfortable. Quick and dirty... Our portfolio is about 1.4 million and out take-home pay is about 8900 per month (after tax, after 401k, after HSA, etc). Our monthly house nut, including tax, is 1900. So we're paying 21% of our net to House. You're proposing, with a similar portfol...
by investingdad
Wed Jun 25, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4504

Re: Help devising winning roulette system

I'm not sure if this is a serious thread or not...which means I'm pretty gullible, I guess. In any case, the addition of Zero and Double Zero are what make it impossible for any strategy to win as we (should) all know. Cover all 38 numbers individually and you are guaranteed to win, but only pay out...
by investingdad
Tue Jun 24, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3088

Re: Soccer - injury time?

crowd79 wrote:U.S. and Germany should just lay down and take a nap on the pitch for the final match since both will advance with a 0-0 draw anyways. Why risk injury and playing in 100 degree Brazilian heat? 8-)

I was thinking something like this myself actually...
by investingdad
Sun Jun 22, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Soccer - injury time?
Replies: 49
Views: 2845

Re: How much $$ to change jobs?

I have never changed companies for less than 25%. There is just too much hassle in it all to do it for less. I wouldn't even consider it, honestly. As for those of you Americans trying to give cultural advice - don't. Just don't. I hear you, but this is a board that is primarily populated by Americ...
by investingdad
Fri Jun 20, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 4134

Re: How much $$ to change jobs?

Perhaps as an American I cannot and will not ever understand the cultural situation you are in. But you're supporting a non-minor sibling who refuses to work? And the other has said he won't try to earn more? In my culture, we call those people "deadbeats", family or not. I'd kick them to...
by investingdad
Thu Jun 19, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 4134

Re: How much $$ to change jobs?

Perhaps as an American I cannot and will not ever understand the cultural situation you are in. But you're supporting a non-minor sibling who refuses to work? And the other has said he won't try to earn more? In my culture, we call those people "deadbeats", family or not. I'd kick them to ...
by investingdad
Thu Jun 19, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much $$ to change jobs?
Replies: 52
Views: 4134

Re: What octane gas do you use to fill your car?

Both my cars require Premium, one is a V6 and the other is turbo-charged.

My wife's car is a 4 cylinder and gets regular.
by investingdad
Mon Jun 16, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5319

Re: Retirement Planning with and w/o SS

Is that the missing piece of the puzzle here? We'd delay payments until closer to 67 regardless of age of retirement. My wife's earning history has matched my own, anything I'd get she'd get as well. I just wanted to follow up on my earlier post and provide a more complete picture. I believe that y...
by investingdad
Wed Jun 11, 2014 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning with and w/o SS
Replies: 27
Views: 2663

Re: Young boglehead: Materials science, chemE, or mechE for

I am a ChE PhD. More on the physical chemistry side of things. I found it to be a great, broad education. My classmates from the undergrad days went off and did all sorts of things. One went on to a Harvard MBA and is now an international financier. Another is the CEO of a catalyst company that has...
by investingdad
Tue Jun 10, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young boglehead: Materials science, chemE, or mechE for grad
Replies: 28
Views: 1928

Re: The 2 comma paradox

What do they call it,... first world problems?! What a paradox to have... My portfolio has so much money in it I sometimes lose more in a day than Average Joe can contribute in a year. :annoyed This thread can be seen as quite ridiculous depending on who is reading it. Just my $0.02. Luckily it is ...
by investingdad
Tue Jun 10, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14226

Re: Retirement Planning with and w/o SS

Some of us have paid the maximum into Social Security and expect close to the maximum benefits. Note, however, that if you retire at 50, you will not have 35 years of top earnings and your benefit will be lower than you are now calculating. Victoria I believe the above to be incorrect. The ability ...
by investingdad
Mon Jun 09, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning with and w/o SS
Replies: 27
Views: 2663

Retirement Planning with and w/o SS

I plugged my income into the SS calculator today and was surprised by the amount. If I take benefits at 65 (I'm turning 41 this summer, wife is already 41), it's about $2100 a month. My wife makes the same as me which means we'd get $4200 a month. And that's in 2014 dollars. Seriously? We're really ...
by investingdad
Mon Jun 09, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning with and w/o SS
Replies: 27
Views: 2663

Re: The 2 comma paradox

I hear what you're saying. As the portfolio goes up part of me wants to just go all cash and keep the gains. But at 41 we are not ready to retire yet, I'd be bored if I did. On the flip side, worries like climbing the corporate ladder, getting a raise, etc, are no longer really a worry. I just need ...
by investingdad
Sun Jun 08, 2014 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14226

Re: if savings rate is most important.....

+1 for time. I like to think of it like this: FinalAmount = SavingsRate * EverythingElse ^ Time . If I didn't know anything about those variables I would rank their importance as: Time > EverythingElse > SavingsRate . However, increasing your SavingsRate is easier than increasing your EverythingEls...
by investingdad
Fri Jun 06, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: if savings rate is most important.....
Replies: 24
Views: 2319

Re: does frugality result in lower career ambition?

I'm finding out the hard way about the paradox of career ambition: pay grows linearly, but stress grows exponentially. Exactly... I have friends who moved into management... They make 20% more than me, but have double the stress. If you can hack it through a few layers of management and make it to ...
by investingdad
Fri Jun 06, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: does frugality result in lower career ambition?
Replies: 113
Views: 8330

Re: Young boglehead: Materials science, chemE, or mechE for

I'm a ChemE with an MBA. I also enjoyed chemistry in college. Be warned that chemical engineering has very little to do with chemistry. Sidenote----I hated physical chemistry. I'd say it depends on where you want to be regionally. A ChemE degree helps you a lot more in the Gulf Coast area than, say,...
by investingdad
Fri Jun 06, 2014 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Young boglehead: Materials science, chemE, or mechE for grad
Replies: 28
Views: 1928

Re: Tesla: How is my financial health? and HELOC vs Loan

I think too there's a trap to fall in to when you have high income paired with high cost of living area. There are a lot of higher income folks on here, and lot of them do NOT living in a high cost of living area. I suspect, but cannot prove, this is because they are either more senior or more accom...
by investingdad
Wed Jun 04, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Review my financial health. [Was - Tesla: HELOC vs Loan]
Replies: 93
Views: 4929

Re: Poll: Luxury and Happiness

Oh, I thought of one.

I bought a pair of handmade, sheap shearling, moccassin style slippers from a grandma & grandpop outfit making them in their basement in Vermont. Paid about $70. Best things I've ever put on my feet. So cozy!
by investingdad
Wed Jun 04, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 8056
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