Search found 147 matches

by Nova1967
Sun Apr 22, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Mid May trip to Malta
Replies: 5
Views: 639

Re: Mid May trip to Malta

I was thinking of a side trip to Malta from Sicily, Looking forward to some feedback about Malta
by Nova1967
Mon Apr 16, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 329745

Re: What are you up YTD? [Year To Date]

sanfran2015 wrote:
Sun Apr 15, 2018 2:37 pm
Its interesting how this thread was very popular last year in a rising market. Now that the market is down/volatile, people aren't posting their annual gains/losses on this much!
Who wants to check their portfolio when your losing money lol
by Nova1967
Sun Apr 15, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Questions about Benjamin Graham
Replies: 19
Views: 1672

Re: Questions about Benjamin Graham

Graham's book, The Intelligent Investor is informative but not an easy read. I find Jack Bogles books as well as Jane Quinn's book easy to follow and the advice is very practical.
by Nova1967
Sat Apr 14, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - On the fence, need sanity check
Replies: 53
Views: 9113

Re: Early Retirement - On the fence, need sanity check

I retire this year at the same age from the Federal Govt and your retirement scenario is almost identical to mine. It appears your social security supplements ends at 62 The CD and TSP add up to 710K and you need 75K a year. here is what I would do Age 56 to 62 54K pension + 21K = 75k ( withdraw 3%...
by Nova1967
Thu Apr 12, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Return rate
Replies: 9
Views: 622

Re: Return rate

Currently I'd say 5% and above, In the 80s and 90s it was over 10%, I recall buying a one year 9.5% CD in 1988. With Todays MM rate at less than 2% the expected rate is not that high.
Additionally, the allocation of assets is a factor in the expected rate of return.
by Nova1967
Fri Apr 06, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 2957

Re: Health club memberships

Orange Theory $140 a month, you pay for what you get
by Nova1967
Fri Mar 23, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22630

Re: Anyone Deleting Facebook?

I limit my time on FB and find its a good way to keep entertained while waiting in line or for a red light. I have enjoyed reconnecting with friends from HS, College and from my time in the Navy, I have reconnected with a number of friends I thought I would see again. I don't care much for the polit...
by Nova1967
Sun Mar 11, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 6754

Re: Online High yield savings account for emergency funds

I have GS Marcus which has a functional web site and customer service. I believe having access to to the website and Customer Service Reps is more convenient vs choosing a poor accessible online bank that pays 1.5 percent vs a reliable bank that pays 1.4% I had a very poor experience trying to open...
by Nova1967
Sat Mar 10, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 6754

Re: Online High yield savings account for emergency funds

I have GS Marcus which has a functional web site and customer service. I believe having access to to the website and Customer Service Reps is more convenient vs choosing a poor accessible online bank that pays 1.5 percent vs a reliable bank that pays 1.4% I had a very poor experience trying to open ...
by Nova1967
Sun Feb 18, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 3022

Re: The value of car body repairs/upkeep of older cars?

You must be up north where sodium chloride (Rock Salt) is used to melt the snow. I have cars over 10 years old that look like new. (They are always garaged and I live in FL) I would shop around and get different quotes. A mom and pop shop might give you a good deal, I notice when I get quotes on bod...
by Nova1967
Sun Feb 18, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 13752

Re: Ally Bank 12 month CD now 2.00%

There are a lot of favorable post on the BH site about Ally Bank, I took the advice and opened an account and attempted to place 25 K in savings account and 25k in a CD, its not a good impression when you make several attempts to log on and cannot access the account to make your first deposit. I am...
by Nova1967
Sun Feb 04, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Top 1% Net Worth Under 30 Years Old
Replies: 13
Views: 6032

Re: Top 1% Net Worth Under 30 Years Old

I believe the top 1 percent in the category refers to Professional Athletes, Entertainers and the Sperm bank lottery.
by Nova1967
Sat Jan 06, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: South Florida visit in early March
Replies: 20
Views: 1529

Re: South Florida visit in early March

I live in Hollywood near the Beach and there are quite a few things to do depending on your interests. Hollywood Boardwalk Le Tub, One of the best hamburgers in the US The water taxi to Ft Lauderdale Margeritaville, Jimmy Buffet type hotel. John U. Lloyd State Park or Dr. Von D. Mizell-Eula Johnson ...
by Nova1967
Sat Dec 23, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: [Can you retire on] $5mm
Replies: 25
Views: 3019

Re: $5mm

Not sure about the difficulty of retiring with $5 million, all I can say is let me try.
by Nova1967
Sun Oct 08, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 8652

Re: Do you want your receipt?

I wouldn't keep a $2 receipt from Starbucks but would keep a receipt for a major purchase like a refrigerator or for something I might need to return
by Nova1967
Fri Sep 08, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 6676

Re: What is the main purpose of holding your current job?

They say you should do what you love to do, I love sports but was never good enough to make it as an athlete I stay in my current job to max out on Retirement accounts and add to my pension. Early morning meetings, unreasonable bosses and deadlines will soon be a thing of the past when I retire in 2...
by Nova1967
Sat Sep 02, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Robert Kiyosaki - rich dad, poor dad
Replies: 45
Views: 5421

Re: Robert Kiyosaki - rich dad, poor dad

Yes, Kiyosaki is pretty strange
by Nova1967
Tue Aug 15, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 4186

Re: What kind of hotel do you get on business travel?

Residence Inn, full breakfast and regular suite type room
Much more preferable to the large impersonal hotels
by Nova1967
Tue Aug 15, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 2468

Re: Rent Out or Sell My Condo...

Most of the posts are in favor of selling which I agree with, It appears that property taxes are pretty low for 2k on a 375k condo. If you do sell and return to buy a similar condo for the same price take into consideration the increase in property taxes For example a 400k condo at 2 percent tax wou...
by Nova1967
Sat Jul 15, 2017 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Tony Robbins new book Unshakeable
Replies: 21
Views: 2886

Re: Tony Robbins new book Unshakeable

Tony has access to a quite a few Giants in the financial world such as Bogle, Dalio etc which provides some interesting perspectives. However, he is a motivation speaker and has no experience in finance. He is out capitalize on book sales. I have read some of his books and listened to his tapes but ...
by Nova1967
Sun Jul 09, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 9389

Re: Switch to federal job?

Anecdotally, every federal worker I know personally works fewer hours for similar pay but better benefits than their private sector counterparts once they have been in the job for awhile. Will not always be true, but at least is the case in my line of work. (GS-12/13/14 jobs). The job I do in non-f...
by Nova1967
Tue Jul 04, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 159
Views: 14820

Re: Long term care insurance - is it worth it?

I know LTC is promoted by financial gurus like Orman and Ramsey but for a middle of the road retiree it's subjective, If you want to leave a large inheritance it's a feasible option. If there is no desire to leave assets to heirs or charities I don't see how it is practical. There is much uncertaint...
by Nova1967
Sun Jul 02, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement withdrawal rates
Replies: 36
Views: 3318

Re: Retirement withdrawal rates

The 4% rule is based on general assumptions but is vey subjective. Various criteria need to be considered such as pensions, delaying SS until 70, age of retirement, health situations etc
by Nova1967
Sat Jun 24, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 5244

Re: Worthwhile TV programming?

Not sure what you like to watch but recording shows will save a lot of time, if you have several hundred channels to choose from you can always find something that relates to your interests but if it's not recorded 45 minutes of commercials on a 2 hour movie or documentary can be very time consuming
by Nova1967
Sat Jun 24, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 11470

Re: Costco vs. Amazon - Thoughts of Prime Members?

Amazon is good for some things like used books but it appears that some people just have a fascination with receiving packages in the mail vs the cost efficiency of a warehouse store. I can't see ordering fresh fish, apples, bottled water, toilet paper etc. The line is just as long for the purchase ...
by Nova1967
Fri Jun 16, 2017 5:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 301
Views: 53696

Re: South Florida Local Chapter

niteowls wrote:Anyone interested in forming a south florida chapter- W.P.B. to
Miami, please let me know. Thanks :idea:
It might be better to meet halfway like Ft Lauderdale or Boca
by Nova1967
Fri Jun 16, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 11891

Re: Worth it to buy expensive clothes?

Holy smokes...I went to the thrift store yesterday and got a pair of Polo pants, a pair of Polo shorts, a brand new pair of Greg Norman shorts, a Nike Dri-fit polo, and 2 button-down shirts (Brooks Brothers and J Crew). All are in excellent condition and fit well (I'm fortunate enough to be an off-...
by Nova1967
Fri Jun 16, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 11891

Re: Worth it to buy expensive clothes?

My SO affectionately commented that I dress like I'm wearing a potato sack. There's something to be said for dressing for success. Even if your job is something where how you look shouldn't matter, you may get significantly farther or taken more seriously if you're sharply dressed. As a physician, ...
by Nova1967
Fri Jun 16, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 11891

Re: Worth it to buy expensive clothes?

I wouldn't pay retail for clothing. I buy gently used, last season designer clothes on ThredUp. I also shop at high end thrift or consignment shops. Unless you are in a field where people will especially focus on your clothing and it will cost you business if you aren't dressed impeccably, then I s...
by Nova1967
Sun Jun 11, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 9511

Re: Meeting with retirement guru, specializes in federal govt employees

I know there are big changes proposed in the budget for retirement such as elimination of SS Supplement, No COLA, and the pension at high 5 instead of 3. Its something to keep a close look at since the reduction in benefits could be substantial. Not sure if the post borders on the forbidden topic of...
by Nova1967
Sun Jun 11, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 3972

Re: Naming boat

Well Deserved
by Nova1967
Fri Jun 02, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on REITs
Replies: 66
Views: 9055

Re: Larry Swedroe on REITs

Delete
by Nova1967
Mon May 29, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on REITs
Replies: 66
Views: 9055

Re: Larry Swedroe on REITs

are we supposed to chuck our investment plan after ever new study or stay the course? :confused Swedroe reminds me of Benjamin Graham, good stuff but very sophisticated, most of us BHs are content keeping a simplified 3 fund approach or maybe some minor tilts. I don't have a PHD in statistics and I...
by Nova1967
Mon May 29, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Great Depression Lesson - Is Total Bond Market Too Risky?
Replies: 28
Views: 5535

Re: Great Depression Lesson - Is Total Bond Market Too Risky?

My bond allocation is in the TSP G fund 30% and F fund 10% , in the crash of 08 they were both up 5%, I believe TBM was also up 5% in 08
by Nova1967
Mon May 29, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: 20 percent international
Replies: 29
Views: 3772

Re: 20 percent international

I never thought of it that way I just assumed 20% INT was 20% of the entire portfolio, For example if I had 100k portfolio at 60/40 I would have 20K in INT. According to the preceding posts I would have 33% in INT much more than I intended to allocate to INT for 2017 but I can't complain considering...
by Nova1967
Thu May 25, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum
Replies: 37
Views: 10366

Re: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum

njay73--- I didn't see your age? Just curious. But definitely congratulations regardless of it! Thank you, I am 47. Great job! I'm making you my new role model. My new goal is $2M by 47. I don't usually have problems letting people know how much I have. People usually have a problem with me being b...
by Nova1967
Sun May 21, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 5372

Re: Has anyone tried Orangetheory Fitness

Great workout and vey challenging especially for a 55 year old. The $140 monthly fee is definitely an incentive to attend classes
by Nova1967
Sun May 21, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 6761

Re: What are your priorities for retirement?

I retire Sept 30, 2018 My priorities are: Extensive Travel in the U.S and abroad At least 8 hours of sleep Keeping fit Recreational activities such golf,diving,skiing, tennis etc Spend time with aging Mother Considering relocating from FL to AZ to be close to family and friends Have retirement plans...
by Nova1967
Sun May 21, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 6761

Re: What are your priorities for retirement?

Retirement Priorities that I am already working on (semi-retired 2 years now) • Take care of my physically challenged spouse. Help her enjoy her remaining years by visiting places & friends. • Continue developing a healthy physical fitness routine that is at least 4 days/week. Maintain healthy annu...
by Nova1967
Sat May 20, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: When will used Rolex prices decline significantly?
Replies: 12
Views: 3409

Re: When will used Rolex prices decline significantly?

I negotiated the purchase of a Gold Rolex Presedential for 10.5K in 2005, I realized the watch was a little tight so I returned to the shop, An extra link for the band was around $250, therefore I believe the price is closely linked to the value of Silver and Gold.
by Nova1967
Mon May 15, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 46627

Re: Regret early retirement/downsizing

My only regret and hardest thing for me are the rainy days - you get locked in the house and there is only so much reading, computer, and housework you can do. I am not a TV watcher unless it is sports. Why don't you buy a good umbrella and maybe rain boots? Why stay in the house when there are so ...
by Nova1967
Sun May 14, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 24309

Re: Buying a luxury car (how dumb would it be to do this?)

If you can afford it a Porsche 911 is a great choice, they can blend into the landscape, they have much more bang for the buck than Ferarri or Lamborghini, and they have good resale value. It's a matter of values and some people like nice cars. Not everyone wants to travel to Paris or go on cruises ...
by Nova1967
Sun May 14, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 5189

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

Nova1967 wrote:Sounds like it could be an episode of CNBCs America Greed
by Nova1967
Sun May 14, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 8071

Re: Anyone use Python to analyze their finances?

I can't see what use Python would be to track a portfolio when a simple Excel spreadsheet would do.
Sounds to me like more of a hobby.
by Nova1967
Sun May 14, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: Anyone catching the CNBC movie Madoff: from Millions to Billions???
Replies: 15
Views: 5189

Re: Anyone catching the CNBC movie Madoff: from Millions to Billions???

I saw a movie about Madoff several months ago staring Richard Dreyfuss. I enjoyed it, not sure if the CNBC show is a repeat
by Nova1967
Sun May 14, 2017 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 11552

Re: Was there a $$$ number after which things got easier?

I believe it gets easier when you pay off your mortgage
I can't give a certain dollar amount since most of my assets are set aside in retirement accounts
by Nova1967
Sat Apr 29, 2017 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 138
Views: 15761

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

It seems clear that: If your workplace is like North Korea, then you should act accordingly. But no-one answered my question above (paraphrasing): Why should a workplace necessarily be like North Korea? Some people are just pedantically decreeing that that's just the way it is, and it has to be tha...