Search found 689 matches

by Flashes1
Tue Feb 02, 2016 8:46 am
Forum: Investing - Help with Personal Investments
Topic: How to calculate your savings rate? Making sense of all the numbers.
Replies: 7
Views: 1139

Re: How to calculate your savings rate? Making sense of all the numbers.

Agree with the other posters. Keep it simple. There's no good reason to over complicate it. My personal definition is total investments / gross income. I ignore company 401k matching and normal mortgage principle payments; however, I include the "excess" principle payments because I have c...
by Flashes1
Tue Feb 02, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 37
Views: 2490

Re: Where to Stay in San Francisco?

If you're into craft beer you have to see the Anchor Steam brewery and Rogue has a bar/restaurant.
by Flashes1
Fri Jan 29, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Immediate Fixed Annuities
Replies: 45
Views: 2599

Re: Immediate Fixed Annuities

Non-inflation adjusted which is something to consider, but it's near-guaranteed income. Most of my retirement expenses should be discretionary; meaning I could greatly curtail them if necessary. Fixed costs such as house and cars would paid for----my other major expenses would be discretionary such ...
by Flashes1
Fri Jan 29, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Immediate Fixed Annuities
Replies: 45
Views: 2599

Re: Immediate Fixed Annuities

I'm 20 years away from needing one---but I see their value. It would be nice to have $1k of monthly income from one. I just played around with some numbers at "immediateannuities," and I'm intrigued. * $200,000 * Male at 67 yrs old * Female at 60 yrs old * 20 year pay-out period---- Joint ...
by Flashes1
Fri Jan 29, 2016 8:40 am
Forum: Personal Finance (Not Investing)
Topic: What age did you start maxing out your retirement contributions?
Replies: 63
Views: 4331

Re: What age did you start maxing out your retirement contributions?

Wife & I started maxing out 401k's when I was 37 and she was 30.
by Flashes1
Thu Jan 21, 2016 7:27 am
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 7893

Re: Retiring and people seem to aviod me

If the OP is describing people at work, it could be that they view you as "being out of the game" so they don't feel like you're on the same team anymore. There's a bond between people who have common interests and goals. When that bond and goal is work related, and one of the parties leav...
by Flashes1
Fri Jan 15, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4664

Re: What's your company 401k contribution

Me: 4%, and pension
Wife: 10%, no pension
by Flashes1
Fri Jan 15, 2016 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Saving for the future vs you only live once
Replies: 72
Views: 7903

Re: Saving for the future vs you only live once

My wife and I were diligent savers in our 20's and 30's---borderline cheap----our net worth increased a lot in our early 40's----had a couple kids, and now we're starting to spend some of it on luxuries. We still max out 401k's, HSA, IRA, and big mortgage paydown annually.....but we just built a big...
by Flashes1
Thu Jan 14, 2016 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 3728

Re: Does a BH play the lottery?

I probably would have died within a couple years of winning. Probably good thing I didn't win. :happy
by Flashes1
Sun Jan 10, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Vision - problems seeing things up-close
Replies: 24
Views: 1603

Re: Vision - problems seeing things up-close

Then I had Lasik Surgery and that restored my distance vision to 20-20.... But I still need the $10 Drugstore Magnifying glasses for reading. Welcome to old age ! :happy OP, don't rush into Lasik surgery without reading about the potential problems. I had Lasik done about 12 years ago---it was wond...
by Flashes1
Sun Jan 10, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Vision - problems seeing things up-close
Replies: 24
Views: 1603

Vision - problems seeing things up-close

No medical advise is requested; however, I'm curious if any other members have this scenario: - I am near-sighted (which glasses correct just fine). - My vision is blurry up-close---so I either have to take my glasses off to read, or I rest them on the bridge of my nose so I can see out the bottom w...
by Flashes1
Thu Jan 07, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5696

Re: Jackpot Now Estimated $700 Million, who's in?

Office Pool: 6 of us at $30 total or 15 tickets.
by Flashes1
Mon Jan 04, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 140
Views: 7611

Re: Waste of money?

I have a home theater in the home we built three years ago, and while it's not top of the line stuff, it's quality, and puts out a great viewing experience. Here's my components (a little hazy on the prices given I bought them 3 yrs ago): 1. 120" screen for ~400. 2. Epson HD Projector for $1,20...
by Flashes1
Mon Jan 04, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Sororities: The cost of Greek Life?
Replies: 46
Views: 6677

Re: Sororities: The cost of Greek Life?

If you go to school in the South, and your son has some "game," for all that is holy, please let him join a frat (see attached links). Seriously though, if you go to a SEC or ACC school, you have to go Greek if you are a player. The Northern schools used to be like this, but the Southern ...
by Flashes1
Mon Jan 04, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Thermador 30" Pro Range PRG304GH & Bosch 36" Counter Depth Fridge (B22CT80SNS) Real user reviews please
Replies: 4
Views: 511

Re: Thermador 30" Pro Range PRG304GH & Bosch 36" Counter Depth Fridge (B22CT80SNS) Real user reviews please

We went with the Wolf range and Sub Zero fridge, and have been pleased with performance and reliability.
by Flashes1
Mon Jan 04, 2016 7:45 am
Forum: Personal Consumer Issues
Topic: Sororities: The cost of Greek Life?
Replies: 46
Views: 6677

Re: Sororities: The cost of Greek Life?

If you go to school in the South, and your son has some "game," for all that is holy, please let him join a frat (see attached links). Seriously though, if you go to a SEC or ACC school, you have to go Greek if you are a player. The Northern schools used to be like this, but the Southern s...
by Flashes1
Mon Dec 21, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: mortage vs saving - what would you do?
Replies: 18
Views: 1800

Re: mortage vs saving - what would you do?

We're in the same situation and we do about 60/40 mortgage paydown vs. aftertax. My mortage is at the same bank as where our paychecks are deposited which allows me to easily make 6-8 additional principle payments per month based on timing of paychecks coming in and bills going out. I get great sati...
by Flashes1
Wed Dec 16, 2015 3:01 pm
Forum: Personal Consumer Issues
Topic: Buying used car from dealer, tell me your strategy
Replies: 36
Views: 3690

Re: Buying used car from dealer, tell me your strategy

They will wait 3-5 days for a personal check to clear before giving you the title---cashier's check is cash-like allowing immediate possession.
by Flashes1
Wed Dec 16, 2015 1:39 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9590

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

Gemini wrote:Get a S 550 and call it a day


I just bought a 2013 with 18,000 miles for $63k (including taxes and 2 yr. extended warranty). It's my first nice car. Little Christmas present to myself. To be delivered on Tuesday. Can't effing wait. Only in America. :D
by Flashes1
Wed Dec 09, 2015 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing advice
Replies: 11
Views: 844

Re: Investing advice

I'd pay-off the student loans more aggressively than the mortgage due to their higher effective interest rate.
by Flashes1
Mon Dec 07, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 11148

Re: A car nicer than the boss?

I would recommend a more low profile car for the daily driver and then splurge on a weekend car that the working stiffs at the company won't see.
by Flashes1
Wed Dec 02, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1433
Views: 273696

Re: What Movie Have You Recently Watched?

Just saw Sideways last night. I can't believe I waited this long....a classic.
by Flashes1
Wed Dec 02, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 8810

Re: Honda Accord broke down last night

Honda's reliability has greatly declined in the past 5 years, and it's now why we're a Ford family. Please update us in 5 years about the reliability of your Fords. IMHO, the only 2 Fords that are worth it is are the Mustang and the F-150. Would never personally buy a Ford - Japanese cars only - or...
by Flashes1
Wed Dec 02, 2015 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Too much in tax-advantaged accounts?
Replies: 115
Views: 11109

Re: Too much in tax-advantaged accounts?

I'm in the same boat with 95% of my retirement funds in Tax Advantaged accounts and I'm aggressively paying off my mortgage. I get comfort knowing I'd be paying a lot in taxes on dividends if the money was in After Tax accounts. "a lot in taxes" is relative term. I, of course, would take ...
by Flashes1
Wed Dec 02, 2015 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Too much in tax-advantaged accounts?
Replies: 115
Views: 11109

Re: Too much in tax-advantaged accounts?

I'm in the same boat with 95% of my retirement funds in Tax Advantaged accounts and I'm aggressively paying off my mortgage. I get comfort knowing I'd be paying a lot in taxes on dividends if the money was in After Tax accounts.
by Flashes1
Wed Dec 02, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Club Youth Sports (Baseball)
Replies: 32
Views: 2852

Re: Club Youth Sports (Baseball)

We just left Rec baseball to a competitive team for our 8 year old primarily because the talent level at Rec baseball was severely lacking. It got dangerous because there were kids who could barely throw or catch a ball teamed with kids who could really zing it. Fortunately, no one got beaned in the...
by Flashes1
Wed Dec 02, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: Honda Accord broke down last night
Replies: 71
Views: 8810

Re: Honda Accord broke down last night

Honda's reliability has greatly declined in the past 5 years, and it's now why we're a Ford family.
by Flashes1
Wed Dec 02, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: How do high earners get rid of their junk?
Replies: 59
Views: 8875

Re: How do high earners get rid of their junk?

There's a section on Craigslist where you can simply give stuff away. We sit the stuff out by the mailbox, and tell the first emailer that it will be there until noon....if it's not picked up by then, it goes to the 2nd person who responded, but 90% of the time the first responder picks it up by the...
by Flashes1
Wed Dec 02, 2015 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Black Swan Avoidance
Replies: 21
Views: 2839

Re: Black Swan Avoidance

Guns and food.
by Flashes1
Wed Dec 02, 2015 7:37 am
Forum: Investing - Help with Personal Investments
Topic: "Sin stocks"
Replies: 42
Views: 5003

Re: "Sin stocks"

I've struggled with the so called "sin" stocks for a long time. Apple: hate their views on marriage and how it's affected families. New York Times: hate their views on killing babies and protecting the U.S. from religious fanatics. Amazon: hate their treatment of unskilled laborers. Google...
by Flashes1
Tue Nov 10, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Question regarding helping son with graduate school loan debt
Replies: 42
Views: 2644

Re: Question regarding helping son with graduate school loan debt

Do it. It's your son and he's by all accounts he's a responsible, productive member of society.

Anecdotally, my wife's parents paid her med school tuition so she wouldn't be burdened with it----and we paid them back (interest free) in approx. 4 years (well ahead of schedule).
by Flashes1
Tue Nov 10, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: When To Justify Expensive Wants?
Replies: 79
Views: 6406

Re: When To Justify Expensive Wants?

You're 24 yrs. old and effing rich. Get the Tesla.
by Flashes1
Mon Nov 09, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Husbands Longterm Unemployment Adjusting to New Norm
Replies: 62
Views: 8345

Re: Husbands Longterm Unemployment Adjusting to New Norm

Contact the oil refiners---they're still hiring chemical engineers.
by Flashes1
Fri Nov 06, 2015 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate Account (TREA)
Replies: 53
Views: 3427

Re: TIAA Real Estate Account (TREA)

We have 5% of our portfolio in this fund. 2009 was a scary year, I think it decreased 50% in value, worse than TSM. Thankfully it rebounded and then some (thanks to substantial RE in NYC and London), but I'm still a little gun shy.
by Flashes1
Wed Oct 28, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Car advice for tall person
Replies: 29
Views: 1944

Re: Car advice for tall person

Ford Taurus has a ton of head room for this 6'5" guy.
by Flashes1
Tue Oct 20, 2015 12:30 pm
Forum: Investing - Theory, News & General
Topic: 401k - how often do you check it?
Replies: 53
Views: 3725

Re: 401k - how often do you check it?

Age: 46
Yrs to retirement: 15

I check my wife's every day when the market's doing well. When it's not doing well, I'll check 2-3 times/week. I'd check mine more often but it's not as big and doesn't move as much as my wife's. It's all in a boring Vanguard Target 2025 fund):
by Flashes1
Tue Oct 20, 2015 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Wife’s inheritance actively managed, please help!!!
Replies: 74
Views: 5130

Re: Wife’s inheritance actively managed, please help!!!

It's not the OP's money and it's not his family money by "blood." I would stay away from my MIL's money....unless I knew there was out-right theft occurring (and a 1% fee to her advisers that she's paying with her own money is not out-right theft).
by Flashes1
Thu Oct 08, 2015 8:26 am
Forum: Personal Consumer Issues
Topic: Trouble with family thinking we have more money than we do
Replies: 87
Views: 8722

Re: Trouble with family thinking we have more money than we do

To the OP, have you told your parents very specifically that you don't have as much money as they think you do despite your education? Don't beat around the bush, just tell them you don't have the money....while you wish you could help them out, you are unable to do so for the lack of money. Then as...
by Flashes1
Tue Sep 22, 2015 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Son needs $140K loan -- how to structure it??
Replies: 31
Views: 4120

Re: Son needs $140K loan -- how to structure it??

I borrowed $300K from my BIL so we could buy our new house before we sold our old one (wife didn't want to live in a Residence Inn for a month). My bank asked my BIL to write that the funds were a gift (meaning we weren't contractually obligated to pay him back---although we did as soon as we sold o...
by Flashes1
Mon Sep 07, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 54
Views: 5938

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

Wolf stove and Sub Zero fridge.

Looks classy and are well made.
by Flashes1
Wed Sep 02, 2015 12:16 pm
Forum: Investing - Theory, News & General
Topic: Having fun on CNBC Halftime Report today
Replies: 19
Views: 2839

Re: Having fun on CNBC Halftime Report today

What's financial costs are there to the Federal Gov. to keep rates at current levels? I don't believe they're still buying bonds like they did in QE efforts. Other than running the risk of higher inflation, what's the financial cost to the taxpayer of keeping rates unchanged?
by Flashes1
Fri Aug 28, 2015 1:22 pm
Forum: Personal Consumer Issues
Topic: Floss aversion
Replies: 56
Views: 7272

Re: Floss aversion

Grt2bOutdoors wrote:Glide


Agreed
by Flashes1
Tue Aug 18, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 72
Views: 9200

Re: What's a Bug Out Bag and who uses them?

I would have to questions one's faith if they are religious, yet feel the need to have a bug out bag at the ready. Won't their higher power "protect" them? Wouldn't the end of days, be all a part of their plan? :confused I'm by no means any kind of religion expert, but I've never heard of...
by Flashes1
Tue Aug 18, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: What's a Bug Out Bag and who uses them?
Replies: 72
Views: 9200

Re: What's a Bug Out Bag and who uses them?

I'm very concerned with the political direction of the country including racial and wealth disparity strife. I have a cache hidden in the house with portable water filter, magnesium fire starter, dried food supplies, hand gun, hunting knife, etc. Enough to get me to my plot of land in the middle of ...
by Flashes1
Fri Aug 14, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: Carry on luggage
Replies: 87
Views: 8203

Re: Carry on luggage

Tumi.
by Flashes1
Thu Jul 30, 2015 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 9122

Re: Who are you able to share good financial news with?

I really don't share it with anyone....but NW type things mostly here. Sadly, my wife isn't too impressed for a combination of reasons: 1) she's medical so she doesn't really appreciate hitting certain financial milestones, 2) her brother (and idol) is very high at a Fortune 100 company---so any rai...
by Flashes1
Thu Jul 23, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Parent caught up in forex (vietnamese dong) scam... What should I do?
Replies: 50
Views: 10182

Re: Parent caught up in forex (vietnamese dong) scam... What should I do?

Scary stuff. Thanks for posting. Helps the rest of us stay on our toes. I almost got scammed a few years ago when I sold my car on Craiglist....for a split second I was in doubt---the scammers were that good. This was all done via mail, too....with a fake money order that looked like any valid Money...

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