Search found 365 matches

by Diogenes
Tue Aug 23, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate agents who operate on an hourly rate
Replies: 3
Views: 557

Re: Real Estate agents who operate on an hourly rate

Sell it yourself using one of the FSBO companies to help you get on MLS. If you're not offering a Buyer's agent commission then you will be totally on your own. (Not necessarily bad, just you will have to handle all the showings and paperwork.) Thanks. To clarify, I don't mind offering something to...
by Diogenes
Mon Aug 22, 2016 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate agents who operate on an hourly rate
Replies: 3
Views: 557

Real Estate agents who operate on an hourly rate

Next year I plan to sell a house I have owned for many years, although am not there often anymore. I don't plan to consider using a real estate agent who proposes a fee based on the value of my house (rather old school) but wish to compensate both seller and buyers agents based on hours they actuall...
by Diogenes
Sun Aug 21, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Are debit cards risky (from fraud)?
Replies: 19
Views: 1065

Re: Are debit cards risky (from fraud)?

Any electronic transaction carries a risk. However, I doubt most of us wish to go back to the 'sock drawer' and similar methods. The key is to minimize your risk while not letting the worry of loss take you back to the Stone Age. Hiding cash under the mattress was once preferred by some to using a b...
by Diogenes
Mon Aug 15, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 247
Views: 25122

Re: Self-made Millionaires: how did hitting 7 figures change you?

I think if this were 1970, $1M would be still significant. However what I noticed when passing a multiple of that, and finding that I didn't need any of it really to live, was that I no longer wanted 'things' and mostly wanted to get rid of stuff. Living years overseas helped to see that also. In mu...
by Diogenes
Wed Aug 10, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: 29 years old too young to buy Long Term Care Insurance?
Replies: 28
Views: 2763

Re: 29 years old too young to buy Long Term Care Insurance?

You get credit for thinking ahead, but it would simply be a waste of money at age 29 to buy LTCI. In most cases the same is true before 50, in a large number cases a waste even after 50. Fewer and fewer folks in their 50's are buying it these days in light of the uninhibited exposure to premium incr...
by Diogenes
Mon Aug 08, 2016 9:53 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 101
Views: 6137

Re: Should I lease a Tesla?

If you need the car to somehow reward yourself, fine. However I would save the extra money, and buy a car that you would take everywhere, dropping the rest into the house fund. I don't think that you can convince anyone that you would only use the Tesla at the office as you mentioned. That made no s...
by Diogenes
Thu Aug 04, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3353

Re: Living in various places 4 months out of the year.

My main concern in a longer absence is homeowners insurance for an 'unoccupied' residence. Ideally, we could rent it to one of our boys or a close family/friend. Less ideal would be hiring someone we know to check in on it. We get a pretty limited amount of mail and would have no pets at the time. ...
by Diogenes
Mon Aug 01, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3353

Re: Living in various places 4 months out of the year.

tbradnc, I would encourage you to go for it. You're right trying to get beyond a tourist viewpoint on a place, be it in the States, and especially overseas. To do that you need several months minimum in new spot. No quick trips or several week vacation jaunts will do it. That's tourism, and not real...
by Diogenes
Fri Jul 29, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Premium increase for federal employee long term care insurance
Replies: 59
Views: 4297

Re: Premium increase for federal employee long term care insurance

Several years ago when I looked at the numbers, I was left scratching my head. Not an expert on the Federal plan but used it as a benchmark to compare the others. I assumed the Federal employees probably had the numbers to negotiate the best deal. Many of these policies offered a daily benefit of $2...
by Diogenes
Thu Jul 28, 2016 12:51 am
Forum: Personal Consumer Issues
Topic: Do Realtors Find FSBOs?
Replies: 63
Views: 4076

Re: Do Realtors Find FSBOs?

Thank you everyone for the great tips!! Next step is to get on MLS ASAP! I think to keep things in proper perspective, in your original question perhaps you might consider asking those who reply to make it clear if they are a realtor or not. The 6 percent of your house fee simply does not apply tod...
by Diogenes
Sat Jul 16, 2016 12:46 am
Forum: Investing - Theory, News & General
Topic: Do You Practice Ethical Investing?
Replies: 47
Views: 2019

Re: Do You Practice Ethical Investing?

No. The term "ethical investing" has been coined to be merely interchangeable with what some consider politically correct.

Good way to lose money, and it certainly strays from the BH philosophy.
by Diogenes
Thu Jul 07, 2016 12:39 am
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 2504

Re: Live abroad for a year?

Sounds great. What kind of visa do you need to stay for that length of time? Different in all countries but appears to be pretty easy to get. We are looking at going a year from now so plenty of time to plan. If you are an American, with no claim to EU status, it is not that easy to stay in a EU me...
by Diogenes
Fri Jun 24, 2016 1:33 am
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 10405

Re: Good Deal on a Pocket Pistol

Any thoughts on the Glock 27 for that purpose? It is a very compact and well-built pistol.

_D_
by Diogenes
Mon Jun 13, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Recommendation for international SIM cards?
Replies: 30
Views: 1874

Re: Recommendation for international SIM cards?

I have been in Greece the last couple of months, and was here last year as well. Pretty easy to pickup a Cosmote sim for next to nothing, and you can get a 10 EUR recharge card anywhere. Credit goes a long way with good 3G coverage. However do not count on buying the Sim at the Athens airport, go to...
by Diogenes
Wed Jun 01, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: It's not shady to move States for tax reasons is it?
Replies: 48
Views: 4877

Re: It's not shady to move States for tax reasons is it?

Moving States in some cases can be good tax planning. However I would spend a little on good tax advice in both States before making the move to avoid surprises. Also, don't move just for that reason. Be honest with yourself and your family. Is NH really where we want to live? Winter, and a few othe...
by Diogenes
Wed May 18, 2016 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Destination, Not Journey?
Replies: 20
Views: 2431

Re: Destination, Not Journey?

At this point, you could be well served to make sure that what you are doing every day at the office is exciting and interesting enough to spend the next 20+ years rushing through life. Money and financial security can be reached in many ways, but it's not worth it to give your life energy if the jo...
by Diogenes
Thu Mar 10, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Delta lost my luggage...
Replies: 29
Views: 3426

Re: Delta lost my luggage...

Here's a good investment:

https://lugloc.com/


I have purchased this, and seen it work.
by Diogenes
Mon Feb 22, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Sickened by Dole Salad Mix
Replies: 78
Views: 5855

Re: Sickened by Dole Salad Mix

+1 for bleach. I currently live in a third world country. We routinely wash fresh vegetables in a large tub of water with a capful of bleach. Agitate it ant let it sit for 30 minutes, and then soak in fresh water twice before spinning . Tastes great, and any bacteria would be killed. Washing only i...
by Diogenes
Mon Feb 22, 2016 2:43 am
Forum: Personal Consumer Issues
Topic: Sickened by Dole Salad Mix
Replies: 78
Views: 5855

Re: Sickened by Dole Salad Mix

+1 for bleach. I currently live in a third world country. We routinely wash fresh vegetables in a large tub of water with a capful of bleach. Agitate it and let it sit for 30 minutes, and then soak in fresh water twice before spinning. Tastes great, and any bacteria would be killed. Washing only in ...
by Diogenes
Thu Feb 18, 2016 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Academic paper on the "worth" of real estate agents
Replies: 31
Views: 4193

Re: Academic paper on the "worth" of real estate agents

The article is from 2008 and applies to Stanford, California. I liked it, because it reinforces what I believe AKA Confirmation bias. Our only experience : We sold our home ourselves for our asking price ( in a different century) within the week ( we picked the highest price from three real estate ...
by Diogenes
Sun Feb 14, 2016 5:39 am
Forum: Investing - Theory, News & General
Topic: Deflation ahead? Nobel Prize Economics winner's thought
Replies: 84
Views: 9311

Re: Deflation ahead? Nobel Prize Economics winner's thought

Dr. Krugman has a very particular agenda, which I'm not getting into here, even though I agree with some of it. The deflation call fits into that worldview. But we aren't into deflation yet, just a huge oversupply in oil, China jitters, and a bear market. As far as Krugman, he is a very fine econom...
by Diogenes
Sat Feb 13, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Best way to move money internationally?
Replies: 24
Views: 1894

Re: A good way

I have a friend who uses Fedex to ship "office papers". He has done this many times in the last 30 years. Fascinating. What insurance does one take out on this? What risk is involved, especially if shipment lost related to value of contents? Just forfeiture of cash due to filing a false C...
by Diogenes
Sat Feb 13, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Deflation ahead? Nobel Prize Economics winner's thought
Replies: 84
Views: 9311

Re: Deflation ahead? Nobel Prize Economics winner's thought

Dr. Krugman has a very particular agenda, which I'm not getting into here, even though I agree with some of it. The deflation call fits into that worldview. But we aren't into deflation yet, just a huge oversupply in oil, China jitters, and a bear market. As far as Krugman, he is a very fine econom...
by Diogenes
Tue Jan 05, 2016 2:46 am
Forum: Personal Finance (Not Investing)
Topic: Portfolio tracking software for Mac
Replies: 14
Views: 984

Re: Portfolio tracking software for Mac

Try Financialengines.com It doesn't access your accounts by storing your passwords (my problem with Personal Capital, Mint, also). However it is simple and easy to manually update position changes. I do that every few months, I don't care to look more frequently than that. I know what you are lookin...
by Diogenes
Mon Dec 28, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: A week in Lake Como, Italy
Replies: 10
Views: 1380

Re: A week in Lake Como, Italy

Visit Lugano if you can. Just across the border in Switzerland it is a small town on a fantastic lake! I've spent many weeks there and it is worth it. Just a short ride from where you will be, and it seems like Italy, they speak Italian but sees far fewer Americans... Thirty minutes by train. Enjoy!...
by Diogenes
Mon Dec 28, 2015 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 12322

Re: Next credit card for a bonus?

No bother at all Victoria. Still in holiday mode and not bothered by much :sharebeer just a suggestion that was given to me when I had a similar question a while back

It was very productive on those two sites for me as they have engineered it to a fine art...
by Diogenes
Sun Dec 27, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 12322

Re: Next credit card for a bonus?

[i] Are you also reading forums specific to these questions? You've gotten some good advice here, but I think you would get even more targeted advice on the credit card forums...versus a finance forum. Good luck. Exactly. Most would simply head over to FlyerTalk.com, PointsGuy, or similar, for thes...
by Diogenes
Sat Dec 19, 2015 5:29 am
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 11837

Re: I would like to play the Boglehead car game too

OP,

Perhaps the next time the wife brings up that an old Toyota is not befitting your image, merely smile and agree with her.
Then take the keys to the Lexus and drive off...

Solved.
by Diogenes
Sun Dec 06, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: When to claim Social Security if you won't ever "need" it?
Replies: 50
Views: 4734

Re: When to claim Social Security if you won't ever "need" it?

If you truly don't need it, due to a guaranteed pension and other investments, my call would be to take it at 62. Too many possible changes causing uncertain outcomes with the political winds. This is the situation we are in. We do not at all need it for living expenses. Have DW take hers now gives ...
by Diogenes
Tue Nov 10, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Husbands Longterm Unemployment Adjusting to New Norm
Replies: 62
Views: 9306

Re: Husbands Longterm Unemployment Adjusting to New Norm

A medical event doesn't have to be "catastrophic" to run to very large bills. You apparently haven't been in the ER for a broken bone lately. I've been to an ER more recently than I would like, and with insurance I was out $500-2000 in recent visits. It's true that CHM requires you to pay...
by Diogenes
Mon Sep 28, 2015 12:12 am
Forum: Personal Consumer Issues
Topic: Nisiprius Investments Launches Yet Another Innovative Fund
Replies: 64
Views: 10071

Re:

Maryanne writes: In my past dealings with nisiprius he has always dressed very well and drives a really nice car and I am sure his stationary is embossed. Besides he explains everything soooo carefully. _________________ I agree. And he's very sincere. :lol: Bob U. Yes, but what really convinced me...
by Diogenes
Wed Sep 09, 2015 2:19 am
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 6771

Re: Poor man's auto navigation system?

Another vote for Garmin. It was a great decision to get a compact Nuvi with lifetime U.S. and Europe maps. Never travel without it. Sometimes use my iPhone as backup when I have a local sim, but the screen is too small to navigate in a strange city, perhaps driving a stick from the right side and tr...
by Diogenes
Sat Sep 05, 2015 3:13 am
Forum: Investing - Theory, News & General
Topic: Reframing-the-social-security-decision"
Replies: 63
Views: 5254

Re: Reframing-the-social-security-decision"

I think the answer to this question will remain "it depends." Looking at it from a tax point of view only, delaying SS until 70, the same time as RMD's kick in, would mean even more tax liability at a time we don't need the income. My spouse planning to claim earlier, plus a pension I have...
by Diogenes
Mon Aug 31, 2015 2:32 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 143
Views: 11260

Re: Aug 2015 correction: what Bogleheads did...

I don't see a difference between rushing to rebalance every time the market hiccups and market timing..?

Seems inconsistent with the BH philosophy, isn't it? What would Jack do?

_D_
by Diogenes
Wed Aug 12, 2015 3:14 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy? Quitting my job.
Replies: 107
Views: 19189

Re: Am I crazy? Quitting my job.

Having lived in Saudi for a bit, I know the isolation you are talking about. It's a choice many make for the short-term. If you are 28 perhaps this was your first major job after college? At that age the most concerning thing is that you are thinking about retirement. Not to step up on the soap box....
by Diogenes
Mon Aug 10, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: Front-End Loads: Are They Really THAT Big of a Deal?
Replies: 60
Views: 5152

Re: Front-End Loads: Are They Really THAT Big of a Deal?

Generally the only people these days who would argue that a front end load is "no big deal" are those engaged in the business of selling them. With all the choices out there, it's hard with a straight face to claim that anyone would be better off by allowing someone to pocket 5 percent of ...
by Diogenes
Mon Aug 03, 2015 1:51 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Returns and Climate Change, 2015-2050
Replies: 30
Views: 1947

Re: Asset Class Returns and Climate Change, 2015-2050

Anyone who thinks they can't pick winning stocks based on current metrics but thinks they can predict winning sectors in 50 years based on uncertain and conditional predictions... well, it's just a different kind of hubris. Agreed. It seems likely that the OP was more likely not asking an investmen...
by Diogenes
Sun Aug 02, 2015 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 35
Views: 6984

Re: Is Being a Private Banking Client Worth it?

I have been solicited several times by Chase to join their Private Banking program. We keep a few accounts open at a branch near where we have a house to use if necessary when in the area. As far as I can tell the only advantage is a better mortgage rate (except we don't want a mortgage), a free saf...
by Diogenes
Sun Aug 02, 2015 5:18 am
Forum: Investing - Theory, News & General
Topic: "20 People You Don't Want to Invest With" by Ben Carlson
Replies: 8
Views: 1845

Re: "20 People You Don't Want to Invest With" by Ben Carlson

Scottj,

Thanks for this.

The first 5 items at least are common sense for life as well. Always good to be reminded.

Best,

_D_
by Diogenes
Sat Aug 01, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Majority of units in my condo assoc are owned by investors. Is this bad?
Replies: 21
Views: 2696

Re: Majority of units in my condo assoc are owned by investors. Is this bad?

Also bad since renters do not typically take care of the place as well as owners. Also are less concerned with participating in association matters.
by Diogenes
Thu Jul 30, 2015 2:33 pm
Forum: Personal Consumer Issues
Topic: MacBook Air losing power
Replies: 26
Views: 2849

Re: MacBook Air losing power

Apple had an initiative about a year ago in which they were replacing 2011-12 MacBook Air batteries free of charge. It depended on what your serial number was. Not sure if it is still possible. I qualified and received a new battery after a 2 day layover at an Apple Store. Since I have gotten very g...
by Diogenes
Mon Jul 27, 2015 2:13 am
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 4858

Re: What are your financial goals?

I started with nothing, immigrant parents with no education, grew up in small apartments in not so great neighborhoods. My financial goals have been the same for last 35 years since graduating college. Work hard for a premium salary so i could save and invest enough to 1) retire early from my high ...
by Diogenes
Tue Jul 07, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Earned Income Exclusion
Replies: 3
Views: 482

Re: Foreign Earned Income Exclusion

The thing that many don't realize at first on the FEIE is that you still pay at the higher rate for your non-excluded income. I didn't at first grasp this until my draft tax return was completed, before I did an extension until I qualified under the physical presence test. Even though I excluded the...
by Diogenes
Wed Jul 01, 2015 2:29 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 40
Views: 7964

Re: I'm Giving Up Golf

After playing golf and enjoying the game for 55 years and now 80 years old, I am giving up the game primarily because I cannot play to the level that I played just five years ago. Stiff legs and sore hands make playing very awkward and my ego is such that I just can't continue the frustration. I ga...
by Diogenes
Wed Jul 01, 2015 2:21 am
Forum: Personal Consumer Issues
Topic: Fair compensation for change of delivery date without been notified
Replies: 20
Views: 2568

Re: Fair compensation for change of delivery date without been notified

Life is full of minor inconveniences. Don't expect to get paid for them.
by Diogenes
Tue Jun 30, 2015 2:17 am
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 13
Views: 2190

Re: Can you simply change the music file structure in iTunes?

For those that are fully Mac, does anyone know of a good product like MP3tag to use? (I don't want to run a Windows program using an emulator like Wine). I would like to combine all he music I own from iTunes, Amazon, my various computers and store them on my server or USB drive. deally something th...
by Diogenes
Mon Jun 22, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: Concerns about upcoming Greece visit.
Replies: 26
Views: 3447

Re: Concerns about upcoming Greece visit.

Just returned from a couple of weeks in Greece this month. Where you are going, Santorini and Mykonos are where all the Americans go. Even less chance of issues there as they are the major tourist destinations. Just go, unless worry has the better of you. To see more the real Greece, head to some of...
by Diogenes
Tue Jun 16, 2015 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Abroad
Replies: 22
Views: 4478

Re: Retiring Abroad

You're a long ways off, so many of the answers now that you can find on many expat forums may change by then. I've lived overseas for seven or eight years, and plan to continue to do so. However, thinking of renouncing your citizenship for purely financial reasons is misguided in my view. Most peopl...
by Diogenes
Mon Jun 15, 2015 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - Less than meets the eye
Replies: 61
Views: 8541

Re: Long term care insurance - Less than meets the eye

One more vote for Self Insure......i.e. "have a big pile of momey" 1210 My plan is to self insure, have a big pile of money, and have LTCI. I want all of my bases covered, just in case. In fact I have an excellent LTCI policy with John Hancock. Safe bet to cover all the bases. Is it simil...

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