Search found 1087 matches

by DTSC
Thu Dec 01, 2016 10:00 pm
Forum: Personal Consumer Issues
Topic: 2 Gifts each under $50
Replies: 23
Views: 2726

Re: 2 Gifts each under $50

123 wrote:Be a little religious - give a Bogleheads Book https://www.amazon.com/Bogleheads-Guide ... bogleheads.


+1!
by DTSC
Sat Nov 26, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 4469

Re: Which Credit card for a large one-time expense?

The question should be: Which credit *CARDS* for a large one-time expense? $8000 should be enough spending to meet the minimum spend on 3, if not 4 (and sometimes up to 8) travel or hotel credit cards. Your bonus points earned can be equal to as much as 25% cash back. Why settle for a piddly 1-2% ca...
by DTSC
Mon Nov 14, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Age 92 Dad Wants to Boost stocks
Replies: 52
Views: 4910

Re: Age 92 Dad Wants to Boost stocks

The ones you are seeing in the ER are obviously not healthy, so your experience might be biased by that. As you know, a UTI can make the most competent 92 year old completely delirious, even if they are health enough to manage their finances and play 3 rounds of golf per week. Undoubtedly. I also s...
by DTSC
Mon Nov 14, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Age 92 Dad Wants to Boost stocks
Replies: 52
Views: 4910

Re: Age 92 Dad Wants to Boost stocks

There a very few 92 year olds competent enough to decide on their own asset allocation (Taylor Larimore is one of them obviously.) Make sure your dad is one of them before you let him monkey around with stuff like that. very few 92 year olds Very few? Care to put a number on that? 10%, 20%, 30%, 40...
by DTSC
Sun Oct 30, 2016 7:35 pm
Forum: Personal Consumer Issues
Topic: Printer/Copier recommendation for home use
Replies: 18
Views: 1313

Re: Printer/Copier recommendation for home use

I've had the best luck with Brother machines-----inexpensive to buy, inexpensive cartridges, simple to operate----and when it no longer works, throw it out and buy another. +1 for Brother B&W laser printers. Cartridges generally <$25. Not having to deal with ink jet cartridges is really a luxury.
by DTSC
Fri Oct 21, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Transitioning from Military
Replies: 21
Views: 2091

Re: Transitioning from Military

Thank you for your service.

You might want to check out this website - blogs by an early retired Navy officer, Doug Nordman

http://the-military-guide.com/
by DTSC
Wed Oct 19, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Massage Chair
Replies: 8
Views: 901

Re: Massage Chair

I bought this exact one about 6 months ago. I'm using it almost every day. Very happy with it. The price has dropped to as low as $600 with free shipping. I've used $4000 ones before and this one compares well. Certainly the more expensive ones weren't 5 times better. http://www.ebay.com/itm/3909857...
by DTSC
Wed Oct 19, 2016 8:47 am
Forum: Investing - Help with Personal Investments
Topic: New military officer. $50,000 yearly salary with no debt, no dependents, and $500 a month overhead. Thoughts?
Replies: 15
Views: 2577

Re: New military officer. $50,000 yearly salary with no debt, no dependents, and $500 a month overhead. Thoughts?

Thank you for your service.

Here's a website by a retired military officer who writes about financial independence and early retirement.

http://the-military-guide.com/
by DTSC
Fri Oct 14, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2213

Re: Getting out of my baby work shower

Make sure your wife attends. It's all about her anyhow. It'll take a lot of heat off you as well.
by DTSC
Fri Oct 14, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 3822

Re: Do Bogleheads use Robo Advisors?

Nope. Why even pay that 0.25% when you can do it yourself?
by DTSC
Fri Oct 14, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my baby work shower
Replies: 22
Views: 2213

Re: Getting out of my baby work shower

Tell they you've got everything from relatives already. Tell them to donate goods/money to a child-oriented charity on your behalf.
by DTSC
Tue Oct 11, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Years Old, Engineer, Aspiring to Invest to Secure Future
Replies: 66
Views: 6783

Re: 23 Years Old, Engineer, Aspiring to Invest to Secure Future

Yes, I listen to all of the madfientist podcasts as well!! I came across him through MMM. Madfientist articles is what made me invest in Traditional versus Roth TSP. I invest all my tax savings that I see in my check that I wouldn't have if I still had Roth. I can worry about taxes later. Once the ...
by DTSC
Tue Oct 11, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Years Old, Engineer, Aspiring to Invest to Secure Future
Replies: 66
Views: 6783

Re: 23 Years Old, Engineer, Aspiring to Invest to Secure Future

mrog1141 wrote:I am a disciple of MMM.

The Shockingly Simple Math Behind Early Retirement.

I save 55%. And that will increase as I continue to optimize my spending and earn more every year with my raises.



Way to go! I'm too old to do that any more. Also consider:

http://www.madfientist.com/
by DTSC
Tue Oct 11, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Years Old, Engineer, Aspiring to Invest to Secure Future
Replies: 66
Views: 6783

Re: 23 Years Old, Engineer, Aspiring to Invest to Secure Future

Read this blog http://www.mrmoneymustache.com To summarize, he states that if you save 70% of your income, you can retire after working 10 years! Yes, it's extreme, but no reason why you can't shoot for saving 50% and retiring in 20 years. You still have time to choose this path, since you haven't g...
by DTSC
Sun Oct 02, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: "Activities of Daily Living"--exact science or subjective?
Replies: 12
Views: 1889

Re: "Activities of Daily Living"--exact science or subjective?

To contrast what DTSC posted, when my mom first went into AL, she didn't use a walker, could dress/bathe herself, could hold short conversations just fine (and still had a very extensive vocabulary) and was what I called a "highly functioning dementia patient" because she would fool peopl...
by DTSC
Sun Oct 02, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Activities of Daily Living"--exact science or subjective?
Replies: 12
Views: 1889

Re: "Activities of Daily Living"--exact science or subjective?

I'm being initiated into the many challenges of eldercare for the first time. my elder entered assisted living naively interpreting that the long term care policy would be a financial aid. This was a result of reading about ability/inability to perform some of the activities of daily living outline...
by DTSC
Sat Oct 01, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer use SAT/ACT scores?
Replies: 51
Views: 2753

Re: Does your employer use SAT/ACT scores?

I did well on standardized tests.

However, I would not work for anyone who is stupid enough to take them seriously.
by DTSC
Tue Sep 27, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

Malcolm Gladwell's "David and Goliath" touches on this subject. He concludes that many talented people are lost and discouraged by the fierce competition at a prestigious school but would shine at a good one. I have a hard time thinking that someone who is discouraged by competition is a ...
by DTSC
Mon Sep 26, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Does it matter what type of college one goes to?
Replies: 250
Views: 14848

Re: Does it matter what type of college one goes to?

I have degrees from a "name brand" (HPYMS) school and 2 state schools, including a large Midwest flagship school. IMO, it doesn't matter. It's much more about the student's motivation and ambition. Cream rises. After you get your first job, no one cares where you went to school. I would en...
by DTSC
Mon Sep 26, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: latest scandal has me thinking of leaving Wells Fargo
Replies: 36
Views: 3470

Re: latest scandal has me thinking of leaving Wells Fargo

I don't plan to move our account with Wells Fargo due to the scandal alone. I think most companies have some chance of being involved in a scandal of some type sooner or later. However, the mailings I get from Chase or Citibank that offer $500 for establishing accounts with them are now getting mor...
by DTSC
Mon Sep 26, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: College advice
Replies: 35
Views: 2644

Re: College advice

Read 9/20/2016 article at Root of Good

http://rootofgood.com/pay-for-college-w ... red-early/
by DTSC
Sat Sep 24, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17249

Re: Net Worth Milestone Today - $1.5M

Congrats! Your sense of gratitude is refreshing. You might agree with the following article: http://www.frugalwoods.com/2015/02/16/the-privilege-of-pursuing-financial-independence/ Also, with your young age, passive income stream (rental properties) and high net worth (no matter how you calculate it...
by DTSC
Fri Sep 23, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Chicago Food/Restaurant Recommendations
Replies: 60
Views: 3703

Re: Chicago Food/Restaurant Recommendations

You might want to try this:

http://www.chefdrivenfoodtours.com/

We took it last year. Good food. Learn about different neighborhoods and some history. Great for out of town visitors.
by DTSC
Tue Sep 20, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 5685

Re: How I circumvented Chase's 5/24 rule

What is the interest rate you can get on the $250K to be a private client? How long do you have to leave the money there? Right now, I can get almost 1% interest in a completely liquid savings account at my credit union. A quick look online shows Chase paying only 0.05% interest even on a 1 year CD...
by DTSC
Tue Sep 20, 2016 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 5685

Re: How I circumvented Chase's 5/24 rule

What is the interest rate you can get on the $250K to be a private client? How long do you have to leave the money there? Right now, I can get almost 1% interest in a completely liquid savings account at my credit union. A quick look online shows Chase paying only 0.05% interest even on a 1 year CD....
by DTSC
Sun Sep 18, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2679

Re: 2016 Honda Odyssey - which model?

Definitely get power doors; you will not regret it.

We did not get NAV or entertainment. You can use your smart phone for NAV and get 2 tablets for much cheaper. Kids might want to watch different programs anyhow, so a single screen would lead to disagreements.
by DTSC
Wed Sep 14, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Simple Portfolio(Review) and Clueless About Rebalancing
Replies: 5
Views: 454

Re: Simple Portfolio(Review) and Clueless About Rebalancing

Giving you a bump I don't know if you and your husband keep your finances completely separate. If you don't, then paying off the 6% student loans and funding husband's IRA is the most sensible thing to do. If you are keeping finances separately, I would think that you should increase your emergency ...
by DTSC
Tue Sep 13, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change Did I Make The Right Move?
Replies: 14
Views: 2078

Re: Career Change Did I Make The Right Move?

Not having to look over your shoulder to see if someone is trying to shove a shank between your ribs... Priceless!

Not being outsourced... Priceless!


We had a plumbing emergency on a weekend several years ago. We were more than happen to pay him $250/hour.
by DTSC
Sun Sep 11, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 4122

Re: Toyota, Honda, Nissan or Chrysler Minivan?

2008 Honda Odyssey owner here. On my test drives 8 years ago, the Honda drove more like a car, while Toyota and Chryslers drove like vans. I don't know how the new models are like now. The one feature I would not skimp on is power sliding doors. It allows you to remotely let your small children in, ...
by DTSC
Thu Sep 08, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2320

Re: Water turned off in building-urgent!

Meanwhile, yes, lift the lid off that tank behind the toilet bowl and seat. Pour a few potsful (potfuls?) of water in. If water is limited, I guess I'd try halfway first, especially if you are willing to have "slightly unclear" water in the bowl, which is surely better than... what would ...
by DTSC
Sun Aug 21, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 4550

Re: Tips for a 1000 miles car trip with toddler and baby

Have iPad will travel.

iPad = Kiddy Crack
by DTSC
Fri Aug 19, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3689

Re: vacation ideas - October

I definitely wouldn't reccomend St. Louis. The wife and our two tots were coming back from a well known place around 5PM and there was a drive by shooting while we were waiting at the train station. We usually don't pay a ton of attention when a city is deemed "dangerous" but a first hand...
by DTSC
Thu Aug 18, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3689

Re: vacation ideas - October

How about Toronto?

About 8 hours from Chicago

Excellent food!!!

Good USD to CAD exchange rate, 1: 1.31 currently

Like New York, but without the crime!

Need a passport though
by DTSC
Tue Aug 16, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 11638

Re: AAA Car Batteries

When I was in the battery business, we had four "grades" of batteries. They were "economy", "original equipment", premium, and "super premium". Personally, I would only buy a premium or super premium model. I expect that the AAA products are "original eq...
by DTSC
Tue Aug 16, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 11638

Re: AAA Car Batteries

I know someone who works in the Johnson Controls factory. His job is to apply decals onto the batteries that Johnson Controls manufactures for different brands. He tells me that for a given amperage level, ALL THE BATTERIES ARE THE SAME. For example, you can spend $150 for a 5 year battery or $100 ...
by DTSC
Tue Aug 16, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 11638

Re: AAA Car Batteries

I know someone who works in the Johnson Controls factory. His job is to apply decals onto the batteries that Johnson Controls manufactures for different brands. He tells me that for a given amperage level, ALL THE BATTERIES ARE THE SAME. For example, you can spend $150 for a 5 year battery or $100 f...
by DTSC
Wed Jun 29, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend - After June 30 - any other suggestions?
Replies: 4
Views: 534

Re: Netspend - After June 30 - any other suggestions?

I know about Mango, what is Insight?
by DTSC
Tue Jun 07, 2016 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to keep $10,000 liquid yet still earn some interest
Replies: 23
Views: 4755

Re: Best way to keep $10,000 liquid yet still earn some interest

I am currently getting 0.995% interest in a savings account at Alliant Credit Union. FCUA insured.

All you have to do to become a member is to be a PTA (Parent Teacher Association) member. They don't even ask for proof.
by DTSC
Mon Jun 06, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K Contribution limits (Is my CPA wrong?)
Replies: 6
Views: 813

Re: Solo 401K Contribution limits (Is my CPA wrong?)

You are right and the CPA is wrong. These are the calculators which I've used. http://solo401k.bcmadvisors.com/calculator.html https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview I've found from my experience with 4 different CPA's that they really don't know what to d...
by DTSC
Mon Jun 06, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to live on $110,000 less income each year?
Replies: 104
Views: 11927

Re: How to live on $110,000 less income each year?

Also, your friend might be racking up thousands of dollars per year in credit card charges to keep up appearances. You never know.
by DTSC
Thu May 26, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102828

Re: What's Your Credit Card Rewards Strategy?

This brings up 2 questions for me. 1. For those of you that rock out the miles and travel rewards, do you find that you're also traveling a lot for work as well? It seems to me that a lot of people that do the miles thing also travel for work and they capitalize on earning extra points that way and...
by DTSC
Thu May 26, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102828

Re: What's Your Credit Card Rewards Strategy?

I churn. I've opened 23 new credit cards in the last 2 years. 14 are still open. Problem is there are really not a lot of cards left that I'm interested in now that the Chase 5/24 rule is in place. When not trying to hit an intro bonus, I've been spending on my Club Carlson card to get to the extra...
by DTSC
Wed May 25, 2016 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Geico or State Farm - auto insurance
Replies: 19
Views: 1955

Re: Geico or State Farm - auto insurance

I you have Berkshire Hathaway stock, Geico will give you another 10% discount. I have a few shares of BRK.B and I told the rep so and got the discount. I wasn't asked to supply any kind of proof.
by DTSC
Wed May 25, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 39
Views: 4065

Re: Zenni Optical

A couple years ago I bought a pair of prescription sunglasses from them for $15 including shipping. They worked fine. Not risking a whole lot of money. I certainly would get a spare pair of glasses from them regardless
by DTSC
Tue May 24, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: be my mother in law's financial advisor...or not?
Replies: 21
Views: 2234

Re: be my mother in law's financial advisor...or not?

Definitely don't do it if your wife has siblings who might think you're trying to "steal" their inheritance. It's a much better scenario if your wife is an only child.
by DTSC
Mon May 23, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 26200

Re: Physician Retirement Savings

Reading through this makes me feel like a schlub. Want to feel like a schlub? Write a book and read the negative comments on Amazon about it. Here's one I saw today that made me chuckle: The Author has no financial credentials other than reading the Bogleheads forum. This book is a ripoff of the Bo...
by DTSC
Sat May 21, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 21685

Re: Is there a such thing as a blue collar Boglehead?

How would I define "blue collar"? Can you still earn a living if you screwed up your back? To me, the Boglehead philosophy is more about living below your means and investing the savings in a low cost manner. Certainly it is easier to live below your means if you have a higher income and n...
by DTSC
Mon May 16, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 26200

Re: Physician Retirement Savings

Yes, dose of my own medicine. I have to thank Roosevelt, if he is still around, as he pointed me toward Peter Moskowitz and I benefitted greatly from one of his seminars. I now end early once a week to go to practices and games, and I take all of my vacation. It adds up to quite a bit of time off. ...
by DTSC
Mon May 16, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 26200

Re: Physician Retirement Savings

Let me put it this way. Docs are performing for their own internal standards as much as any external ones. I've coached many docs to 'just say no' when asked to continually step up their workload... I'm glad to see you do this. I seem to recall your needing such a nudge, especially about administra...
by DTSC
Mon May 16, 2016 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 26200

Re: Physician Retirement Savings

Keep in mind that many docs don't want to ever retire. The old generation (people in middle age now) felt that docs should work until the day they die. It is a relatively modern idea that work life balance is more healthy and sustainable. They didn't even have work hour restrictions during residenc...

Go to advanced search