Search found 108 matches

by Candor
Fri Mar 18, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Well, I caved [bought new car]
Replies: 38
Views: 5122

Re: Well, I caved [bought new car]

Congrats on the new ride. I plan on buying a new car for the first time in my life when I retire. I have been driving a company car for the last 20+ years and I've decided I will buy what I want when I retire in 7 years. I mentioned this to my mother recently and she admonished me about the pitfalls...
by Candor
Fri Mar 11, 2016 10:02 pm
Forum: Investing - Theory, News & General
Topic: "Monitor Your Portfolio Once This Year, Then Ignore It"
Replies: 53
Views: 6742

Re: "Monitor Your Portfolio Once This Year, Then Ignore It"

I look most days just because I like to keep an eye on the highs and lows and generally keep tabs but I'm not very emotional about it so I know I'm good. My 401k has been 90-100% stock funds for the last 20+ plus years and I have been able to put the market swings in perspective so I don't do anythi...
by Candor
Fri Jan 22, 2016 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 7600

Re: What was your % pay raise?

We get paid bi-weekly so generally there are 26 pay periods a year but this year because of how the pay days line up we will actually receive 27 paychecks in 2016. In light of this the company decided that would be our raise which they tried to convince us was a 3.8% raise. Funny how we get a 3.8% r...
by Candor
Fri Jan 15, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: I'm sitting here watching FOX Business...14200??
Replies: 92
Views: 8254

Re: I'm sitting here watching FOX Business...14200??

If nothing else it will be interesting to see how the BH community handles a major downturn in real time, if that happens, since I wasn't around here for the last couple. I see the wall of worry growing a little taller and staying the course a little more academic to some.
by Candor
Fri Jan 08, 2016 9:55 pm
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 7304

Re: I'm curious if over-weighting equity investors still ok?

I've been 90-100% equities in my 401k for the past 22 years and currently approximately 93% and no worries here. I am very conservative with my savings outside of retirement (no equities) which is approx 28% of the value of my 401k so that helps.
by Candor
Fri Jan 08, 2016 9:40 pm
Forum: Investing - Theory, News & General
Topic: worst first four opening days in HISTORY for S&P 500
Replies: 125
Views: 13934

Re: worst first four opening days in HISTORY for S&P 500

My 401k is currently in transition between providers and the little info packet provided wasn't that clear on the subject but I'm hoping that perhaps it was out of the market during part of this week. I'm 93% mutual funds so that would be a nice drop to avoid but I'm not counting on it. I have lived...
by Candor
Sun Jan 03, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 9988

Re: Savings % Target 2016?

42% of gross. I don't think I would save so much if I didn't hate my job so much. Early retirement is a good motivator for me.
by Candor
Sun Dec 20, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: How/where sell salvage type vehicle?
Replies: 13
Views: 932

Re: How/where sell salvage type vehicle?

You could try these guys. They are a salvage dealer for most insurance companies and will purchase from individuals. Just a thought.

http://www.copart.com/US/HowToSell/Individual
by Candor
Tue Dec 01, 2015 11:12 pm
Forum: Personal Consumer Issues
Topic: Gun Safe Purchase
Replies: 14
Views: 2069

Re: Gun Safe Purchase

by Candor
Fri Nov 20, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Finding a low cut work shoe with a thick sole
Replies: 12
Views: 1652

Re: Finding a low cut work shoe with a thick sole

I've been wearing Doc Martens for 35yrs+ and they are very comfortable and last well. I went into a Redwing store a couple of years ago to try them out and they had some really nice boots but I didn't care for the shoes.

http://www.drmartens.com/us/Men%252527s ... p/11849220
by Candor
Fri Nov 20, 2015 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a bonus this year?
Replies: 75
Views: 8987

Re: Getting a bonus this year?

I won't know until Feb/March but I would expect approx $1500 which is usual. I'm not a high earner by Boglehead standards. Actually, not by most standards.
by Candor
Sun Nov 08, 2015 9:19 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 17312

Re: Best albums of 2015

^^ I bought their album a few weeks ago and have been listening to it non-stop. Good stuff.

Language warning for those easily offended.

https://www.youtube.com/watch?v=iDAELXSDRrE
by Candor
Sun Nov 01, 2015 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider an emergency?
Replies: 49
Views: 4299

Re: What do you consider an emergency?

I don't like to dig into savings so I generally keep enough in my checking account to cover unexpected household expenses such as a new a/c unit or such as this spring when I needed a somewhat unexpected roof replacement. A "high yield" savings account would cover larger expenses and if ne...
by Candor
Sun Nov 01, 2015 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 7743

Re: How Many Credit Cards Do You Have?

1. USAA with an apparently paltry 1% cashback.
A debit card as a backup. I like to keep it simple.
by Candor
Fri Oct 16, 2015 9:10 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 196
Views: 21891

Re: Selling all equities, discuss why I'm wrong. :)

There was another thread where someone sold then took out a short on the S&P500 a few weeks ago We'll see in a year or two's time whether they were right or wrong .. It doesn't really make any difference where the index is today - unless you're selling - no one's gained or lost anything ... In ...
by Candor
Fri Oct 09, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Demand repairs or give a bye for honesty?
Replies: 62
Views: 4684

Re: Demand repairs or give a bye for honesty?

^^Pocketing the cash is not dishonest. If you are compensated for your damages it is up to you how you apply those funds. Attempting to conspire with an adjuster to contravene underwriting protocols is another matter and I highly doubt an adjuster would go for that.
by Candor
Fri Oct 09, 2015 10:20 pm
Forum: Personal Consumer Issues
Topic: Demand repairs or give a bye for honesty?
Replies: 62
Views: 4684

Re: Demand repairs or give a bye for honesty?

If I was wealthy and had the impression that this could be a hardship for him I would let it go and handle it myself. If I was a regular Joe I would get 2-3 estimates and give him the option of paying the lowest (if I was comfortable with the vendor) or turn it into his insurance.
by Candor
Fri Oct 09, 2015 9:56 pm
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 30
Views: 3811

Re: How much did your roof cost?

5/13/15: Four thousand, one hundred, twenty-eight and no/l00 dollars ($ 4,128.00) 1. Remove the existing roof and haul from the job site, 2. Inspect the decking for any damage or deterioration. 3. Install (GAF ice and water shield along the gutter line and around all penetrations as per the manufact...
by Candor
Fri Oct 09, 2015 9:03 pm
Forum: Investing - Theory, News & General
Topic: Mr. Market gives a lesson in Volatility
Replies: 23
Views: 2218

Re: Mr. Market gives a lesson in Volatility

I have a strong stomach for volatility (93% mutual funds in my 401k at age 48 and 90-100% for the last 20 + years) and while this current episode has been fairly mild so far I noticed that the $$ lost was close to the same amount that I experienced in 08-09. I knew it would get tougher as the accoun...
by Candor
Fri Oct 02, 2015 11:21 pm
Forum: Personal Consumer Issues
Topic: Are luxury watches good investments?
Replies: 45
Views: 3390

Re: Are luxury watches good investments?

A good investment? Probably not, but if you do the research you can find watches that will generally hold their value over time and may have the potential to increase in value. If you factor in inflation, maintenance (for mechanical watch service) and the vagaries of the market you would probably be...
by Candor
Fri Sep 04, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: Tire rotation
Replies: 59
Views: 6294

Re: Tire rotation

I have a company fleet vehicle and they are, lets just say, very frugal in what they will allow as far as maintenance/repairs but they do require a tire rotation at every oil change. Take that for it's worth.
by Candor
Fri Sep 04, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: Use Credit Card Company to Resolve Charge at Car Shop?
Replies: 42
Views: 4148

Re: Use Credit Card Company to Resolve Charge at Car Shop?

To me there is a difference in requesting an estimate for a predetermined procedure vs. taking a vehicle in for an issue and requesting an estimate for the repair of that issue. The latter requires a more in depth diagnostic review to determine the extent of the repairs required and the shop will ge...
by Candor
Sun Aug 16, 2015 10:10 pm
Forum: Investing - Theory, News & General
Topic: Are we headed into a difficult period? [Telegraph "Doomsday" article]
Replies: 25
Views: 3378

Re: How Do You Ignore Headlines Like This?

I've seen so many of them over the years that I'm immune. There's always something to be afraid of and the press, or maybe it's the media these days, are experts at keying in on those fears and using them to their advantage. Don't buy into it and you will be fine.
by Candor
Fri Aug 14, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: Is Anybody Here An Ornithologist?
Replies: 29
Views: 2434

Re: Is Anybody Here An Ornithologist?

Juvenile Cooper's Hawks. Probably siblings. Great catch!

They are a minimal danger to neighborhood pets. They hunt small to medium sized birds and small mammals.
by Candor
Fri Aug 14, 2015 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 8221

Re: Your First Job

Working in the tobacco fields at the age of 16. I didn't last long. Signed up for the army on my 17th birthday (delayed entry program) and spent my 18th in basic training so I guess that was really my first official gig.
by Candor
Fri Aug 14, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 4069

Re: Is 401K Match included when someone asks you how much you make per year?

I've never had anyone ask how much I make and I wouldn't tell them if they did. When I ask myself what I make I include my base, bonus, 401k match, HSA contribution and company car because it gets me to a round number that makes me feel better about working this godawful job. It's all about tricking...
by Candor
Sun Jun 21, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: Recommend a port, please [Wine]
Replies: 28
Views: 2957

Re: Recommend a port, please [Wine]

Jonesy. Rated 93 by Robert Parker and for $10 or so it's very nice.
by Candor
Sun May 10, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Somebody hit our parked car today!!
Replies: 21
Views: 10784

Re: Somebody hit our parked car today!!

There's no need to notify your insurance company unless you have a problem with the other persons insurance.
by Candor
Sun May 10, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 4590

Re: Do banks take loose coinage?

Maybe I need to change banks. I recently filled a large bottle of change after 20+ years and my credit union required me to roll it all in order to deposit the money. It was over $3100 in quarters, nickels and dimes and took more hours than I can remember. I don't even want to tackle the pennies. Th...
by Candor
Thu Apr 02, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 10867

Re: Did you learn anything from 2008?

I learned I have a high tolerance for pain.
by Candor
Fri Mar 20, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 11407

Re: Whats a good Pistol to buy?

If it were me I would get a S&W or Ruger but if you're not that into guns and just looking for a good quality reliable revolver for a reasonable price I think a Taurus is your best bet. They tend to have some mixed reviews on their semi-auto pistols but the revolvers are good quality firearms an...
by Candor
Thu Mar 05, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Follow-up: What % of net worth was your home at purchase?
Replies: 14
Views: 1838

Re: Follow-up: What % of net worth was your home at purchase

Hmm, I'm pretty sure I had a negative net worth back then and paid $92,000 so I'm guessing that is somewhere north of 500%. I blame my ex for making me do it. It all worked out but I wouldn't necessarily recommend it.
by Candor
Thu Mar 05, 2015 8:35 pm
Forum: Personal Consumer Issues
Topic: At which point [decide to buy something]
Replies: 26
Views: 2290

Re: At which point

If I really want something (not need it) I will mull it over for some time and research it extensively. I try to be honest with myself about how much enjoyment and use I will get out of it. If after weeks or months of this I will buy it as long as I don't have to dip into savings and I know it won't...
by Candor
Thu Feb 26, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: Ideas of where to relocate
Replies: 32
Views: 3201

Re: Ideas of where to relocate

I think there is quite good hiking in Cuba, actually. But if you're seriously open to the idea of Alabama, you might also consider a little town called Trussville right outside Birmingham. It has an independent public school system, separate from the Birmingham/Jefferson County system, that is cons...
by Candor
Thu Feb 26, 2015 10:03 pm
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 32
Views: 3899

Re: Cheap ammo

From this topic. http://www.bogleheads.org/forum/viewtopic.php?f=11&t=159331&start=50 Re: Guns for hunting/defense Postby LadyGeek ┬╗ Wed Feb 25, 2015 5:37 pm For completeness, here's a relevant thread: Cheap ammo - feel free to bump it. http://gunbot.net/ammo/pistol/9mm/ http://ammoseek.com/
by Candor
Fri Feb 20, 2015 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: End of Life for a Friend of Mine....a couple weeks ago....
Replies: 41
Views: 5149

Re: End of Life for a Friend of Mine....a couple weeks ago..

A complicated issue but it's unbelievable to me that people in the majority of the U.S aren't legally afforded the option to end their life with a physicians help as a standard course under certain circumstance such as incurable terminal illnesses that will likely involve more suffering than a perso...
by Candor
Fri Feb 06, 2015 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 4239

Re: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]

It may have already been stated but I did mine earlier this evening and it went through fine. I was asked for the last 5#'s of my driver's license id# as a fraud protection measure which was a first for me.
by Candor
Fri Feb 06, 2015 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 8849

Re: Unhappy With Job Raise

I was introduced to a new term yesterday when I received my raise - salary compression. Apparently I'm approaching the max of the range for my position so HR decided to lop off a chunk of my recommended raise. I was assured that once I reach the max they will offset the raise with an increase of the...
by Candor
Fri Jan 23, 2015 10:30 pm
Forum: Personal Consumer Issues
Topic: seiko divers watch
Replies: 8
Views: 793

Re: seiko divers watch

Seiko dive watches and Seiko watches in general are highly regarded by many enthusiasts because they are very good quality watches for a reasonable price (although some are getting a little pricey). Many high end watch collectors have Seiko dive watches in their collection. I have a Seiko Black Mons...
by Candor
Sun Jan 11, 2015 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 136
Views: 35444

Re: Net Worth Survey, 2015 Edition

I'm assuming the graphs aren't taking into account the number adults in the household?
by Candor
Thu Dec 11, 2014 10:12 pm
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 4225

Re: Poll: Dividend income to match annual salary?

I was about to pack it in when I opened this tread and finally admit I wasn't worthy. Glad to see I still fit in, I think... :D
by Candor
Wed Nov 26, 2014 11:25 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 22010

Re: 23 year old... Can I afford a Rolex?

I am a frugal person in many respects and I own a Rolex that I purchased many years ago. I love mechanical timepieces and was always impressed with the heritage, durability and just the general look of many of the Rolex sport models. To this day I could sell it for more than I purchased the watch fo...
by Candor
Thu Nov 06, 2014 9:18 pm
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 14148

Re: 27 yr old reaches $1m net worth

Apparently the military is paying enlisted? folks a lot better these days if he was making $55k/yr at such a young age. In 1989 I left the military after 4 years making $13k/yr and that was with $100 a month for jump pay. I had managed to save $10k though. :D
by Candor
Thu Oct 09, 2014 8:03 pm
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 41644

Re: Headed for a 300+ point loss today?

After the dot.com bust and 2008 I feel like I am mentally immune to market fluctuations. Hopefully I'm not suffering from recency bias. :D
by Candor
Sun Sep 07, 2014 9:45 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 14978

Re: A 'really good book' you did NOT enjoy

My pick would be A Brief History of Time. It's probably been 20 years since I gave it a go but even though the book was meant to dumb it down for the masses it apparently wasn't dumbed down quite enough for this one. :oops: If you're interested in the topics, you may want to consider A Briefer Hist...
by Candor
Sun Sep 07, 2014 9:27 pm
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 8165

Re: Coin Counting Machines

This is a little disheartening for me because I'm about to fill a large bottle of coins I've been working on for 20 plus years which I think has approximately 5k in it. I know, I know I could have xx amount in interest by now which isn't very bogleheadish. I've been dreading the day it's full and I'...
by Candor
Sun Sep 07, 2014 8:44 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 14978

Re: A 'really good book' you did NOT enjoy

War and Peace. I couldn't keep track of all the characters. I had the same problem ^^ As far as Shakespeare goes I apparently need an interpreter to explain it to me and then it is enjoyable. I took a class in college where we concentrated on a couple of his works and the professor really had a lov...
by Candor
Fri Aug 22, 2014 5:09 pm
Forum: Personal Consumer Issues
Topic: Servicing a Mechanical Watch
Replies: 8
Views: 825

Re: Servicing a Mechanical Watch

A good place to start with many knowledgeable folks. Vintage watch values can be adversely impacted by improper servicing.

http://forums.watchuseek.com/f21/

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