Search found 410 matches

by Qtman
Thu Feb 18, 2016 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Division of assets in divorce
Replies: 28
Views: 3445

Re: Division of assets in divorce

From personal family experience' state formulas are used by the courts, and each state is different, even cities within states can have different rules. If lawyers get involved, all bets are off.
by Qtman
Sun Feb 14, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 9586

Re: Vacation Homes

Generalizations on this or any topic on this board are just that. Every family has unique circumstances, blanket statements that vacation homes are bad investments are worthless.
by Qtman
Sun Feb 14, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Emergency Standby Generator
Replies: 41
Views: 2387

Re: Emergency Standby Generator

We installed a whole house generator as we moved into what we hope is the last house we own. We have had portable gensets in the past (which really came in handy). This area rarely loses power but when it does it can be days on end We got a Kohler 20K watt generator, and an intelligent load center ...
by Qtman
Sat Feb 13, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Charities for Bogleheads?
Replies: 50
Views: 3113

Re: Charities for Bogleheads?

Kiva is another good place to give.
by Qtman
Fri Feb 12, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 10204

Re: What is your decline in Net Worth as of today?

We own a lot of real estate, so really never look at net worth.
by Qtman
Thu Feb 11, 2016 9:55 pm
Forum: Investing - Theory, News & General
Topic: Skill vs luck in stock picking
Replies: 38
Views: 3265

Re: Skill vs luck in stock picking

A common argument in favor of indexing is that mutual funds that perform above-average in one year are no more likely than average to perform better in the next year. And therefore, indexing is better because you are guaranteed to meet the benchmark and pay fewer fees to do it. However, this means ...
by Qtman
Thu Feb 11, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Pay Cash or Loan For New Hyundai Tucson
Replies: 7
Views: 592

Re: Pay Cash or Loan For New Hyundai Tucson

Read the loan docs, if there is a penalty for early (immediate) payoff, what will the finance charge be for the time you would have loan outstanding. Did you check another dealer and play against each other?
by Qtman
Tue Feb 09, 2016 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to respond to a siblings who gloats over a great stock pick?
Replies: 51
Views: 3222

Re: How to respond to a siblings who gloats over a great stock pick?

Ignore them, people always talk about their winners, rarely about their losers.
by Qtman
Tue Feb 09, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Charities for Bogleheads?
Replies: 50
Views: 3113

Re: Charities for Bogleheads?

smiletrain is a great charity that does cleft palate surgery on children worldwide.
by Qtman
Tue Feb 09, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Do we need to be physically in Costa Rica?
Replies: 19
Views: 1224

Re: Do we need to be physically in Costa Rica?

Sounds like an old song lyric, "take a trip and never leave the farm". Enjoy :beer .
by Qtman
Sat Feb 06, 2016 6:20 am
Forum: Investing - Theory, News & General
Topic: What is Your Bond Allocation & Location
Replies: 48
Views: 5178

Re: What is Your Bond Allocation & Location

85% in bonds, 15% equities for paper, also rental real estate

90 % of bonds are AA, AAA munis, corps and govt both in and out of IRAs

I buy and hold until maturity, don't worry about value fluctuation.
by Qtman
Sat Feb 06, 2016 6:15 am
Forum: Investing - Theory, News & General
Topic: Bogleheads investment philosophy at huge risk?
Replies: 29
Views: 3496

Re: Bogleheads investment philosophy at huge risk?

Over the last 12 months, virtually every person on the financial shows has said, " you can't buy indexes, this is a stock pickers market". I do both 90/10, index/individual stocks - it's a hobby to pick individual stocks for me. But I can't escape that mathematical certainty of reversion t...
by Qtman
Wed Feb 03, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 12313

Re: Clueless college new grad 22 yo, 200k income looking to start saving

Read "Enough" by Bogle to get some wisdom at 22. Don't learn all the lessons of life by experience, stand on the shoulders of those who have gone before and avoid many traps of cultural pressure. Congrats on your effort to get here at 22, best for your future. :beer
by Qtman
Wed Feb 03, 2016 8:48 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6778

Re: What age did you retire

55 from Corp world (got tired of living Dilbert in real life), doing my own thing now and will never " retire " unless forced to by health. :beer
by Qtman
Tue Feb 02, 2016 5:39 am
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 22
Views: 1621

Re: Stovetop Tea Kettle Recommendations?

Simplex made in England, will last your life and your family for generations.
by Qtman
Mon Feb 01, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Made in Germany
Replies: 12
Views: 1359

Re: Made in Germany

Ged wrote:My slippers are Haflinger which are made in Germany. I am also a fan of German tool brands like Wiha and Festool.


I have a Fein multi master, but the Festools while great are $$$$$. Not many tools made in USA anymore.
by Qtman
Mon Feb 01, 2016 6:27 am
Forum: Personal Consumer Issues
Topic: Best place to travel July/August for 1-2 weeks?
Replies: 15
Views: 1654

Re: Best place to travel July/August for 1-2 weeks?

Do a week in Iceland and a week in Ireland.
by Qtman
Mon Feb 01, 2016 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Muni bond ladder vs fund for large $$$$
Replies: 42
Views: 3410

Re: Muni bond ladder vs fund for large $$$$

You should read "Bonds" by Stan & Hildy Richelson along with Swedroe's book. For large bond purchases, a proffesional that has been in that world for years can find better bonds for you than you trying to do it. Funds are an option, but read the two above books before diving in.
by Qtman
Mon Feb 01, 2016 6:17 am
Forum: Personal Consumer Issues
Topic: Buy a TV Warranty?
Replies: 32
Views: 1896

Re: Buy a TV Warranty?

Only warranty we've ever bought was on a high end fridge in house remodel. It proved to a good thing for us. But with a compressor etc, more parts to fail. Most TVs, if they survive first year problem free should be good for years.
by Qtman
Mon Feb 01, 2016 6:12 am
Forum: Personal Finance (Not Investing)
Topic: How do you set a limit order when the quote frequently changes?
Replies: 10
Views: 1030

Re: How do you set a limit order when the quote frequently changes?

Set your price. In many situations if you are either trying to get out or buy for long term, a point here or there may not allow you to trade, think about what your goal is, I don't let a few cents, even a dollar stop my trade.
by Qtman
Sun Jan 31, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Public school or private school (with school data)
Replies: 90
Views: 5406

Re: Public school or private school (with school data)

General statistics don't necessarily apply to individuals. We did public, private, Christian and home schooling with our kids. The key no matter where they go is to drive to be at the top academically. Remember though, if your children have excellent grades (we hope), for top notch schools, so does ...
by Qtman
Sat Jan 30, 2016 6:10 am
Forum: Personal Consumer Issues
Topic: Most efficient way to improve my writing ability?
Replies: 56
Views: 2813

Re: Most efficient way to improve my writing ability?

To cut directly to the chase, I'm very seriously considering enrolling in a Master's program, however the writing requirements are making me a little nervous as I'm admittedly less than gifted when it comes to writing formal papers. That said, what do the Boglehads recommend in terms of improving m...
by Qtman
Sat Jan 30, 2016 6:07 am
Forum: Investing - Theory, News & General
Topic: "6-reasons-we-lost-money-on-our-first-rental-property"
Replies: 21
Views: 5202

Re: "6-reasons-we-lost-money-on-our-first-rental-property"

Bogleheads: If you have considered renting your house as an investment, this article by Boglehead, Jim Dahle MD, is very informative: 6 Reasons why we lost money on our first rental property Thank you, Jim. Best wishes Taylor Anecdotal experiences like this are not valid in assessing real estate as...
by Qtman
Fri Jan 29, 2016 5:33 am
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4744

Re: Which news source do you use?

Bloomberg, Breitbart, Drudge, Onion
by Qtman
Wed Jan 27, 2016 6:00 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 10385

Re: What is your favorite Financial Quote or Metaphor??

"If your problems are such that a little more money will solve them, you don't really have any problems." - M. Flynn
by Qtman
Mon Jan 25, 2016 5:10 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 14032

Re: Do you pay for exercise?

For about $30 you can get a copy of the old Charles Atlas book, his "dynamic tension" works, no equipment needed, just discipline.
by Qtman
Mon Jan 25, 2016 5:06 am
Forum: Investing - Theory, News & General
Topic: David Stockman predicts financial Armaggedon, again
Replies: 0
Views: 496

David Stockman predicts financial Armaggedon, again

I guess he will eventually be right, but how long has this guy been predicting the destruction of the world? :confused
by Qtman
Sun Jan 24, 2016 2:51 pm
Forum: Investing - Theory, News & General
Topic: 30Yr Mortgage or Sell Mutual Funds and Purchase House
Replies: 27
Views: 2322

Re: 30Yr Mortgage or Sell Mutual Funds and Purchase House

Mortgage rates are near all time lows. A 30 year mortgage gives you lower payments, you can always make it a 15 year by making extra principle payments if you want to, but you will have lower payments if job loss, etc. You could put down bigger down payment and have really low payments, yet keep som...
by Qtman
Thu Jan 21, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: New neighbor turning their house into vacation rental
Replies: 41
Views: 4793

Re: New neighbor turning their house into vacation rental

Welcome to 2016, I can think of countless worse scenarios.
by Qtman
Thu Jan 21, 2016 1:40 pm
Forum: Investing - Theory, News & General
Topic: How to face worry?
Replies: 9
Views: 994

Re: How to face worry?

Don't worry, be happy. :happy
by Qtman
Thu Jan 21, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need disability insurance
Replies: 24
Views: 1680

Re: Do we need disability insurance

Disability insurance is important, your chance of a disability is higher than many other probabilities.
by Qtman
Thu Jan 21, 2016 4:59 am
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 12825

Re: It sure looks like a good time to invest in oil

I bought Chevron and Exxon yesterday, will buy more if it continues to drop.
by Qtman
Thu Jan 21, 2016 4:56 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead threads you wish had an update
Replies: 5
Views: 841

Re: Boglehead threads you wish had an update

Yes, what book are you currently reading needs new posts. :oops:
by Qtman
Thu Jan 21, 2016 4:54 am
Forum: Personal Consumer Issues
Topic: Home Safe vs Safety Deposit Box
Replies: 54
Views: 8446

Re: Home Safe vs Safety Deposit Box

Big gun safe, it will hold more than important papers. :mrgreen:
by Qtman
Thu Jan 21, 2016 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Calling all sales people: trade in management for high pay?
Replies: 2
Views: 514

Re: Calling all sales people: trade in management for high pay?

I was a sales rep for 20 years and sales manager for 14, the move to manager was the best thing I ever did. The challenges were greater, more fulfilling and helping people develop was very satisfying. Having a good track record in sales management makes you more marketable in the job market as well....
by Qtman
Thu Jan 21, 2016 4:38 am
Forum: Investing - Help with Personal Investments
Topic: Caterpillar Company investment
Replies: 49
Views: 4626

Re: Caterpillar Company investment

I'll be totally blunt: It is totally stupid to invest in individual stocks like Caterpillar. I find this response totally stupid and rude. :confused CAT is a good company, yes with increasing competition, currency risk, decline in world commodity usage, etc, etc. The current yield is about 5%, is i...
by Qtman
Wed Jan 20, 2016 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 48
Views: 4989

Re: Attorney Hourly Rates?

Yes hourly rates are important, but the top priority is you need an attorney that knows what the heck they are doing and has a good track record. $175/ hour may turn out to be the most expensive attorney you ever hired if the advice/deal/legal proceedings go awry. Last attorney I had to use was $100...
by Qtman
Wed Jan 20, 2016 6:24 am
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 8291

Re: Retiring and people seem to aviod me

I got out of the rat race in my early 50s and have never looked back. My theory on others is, would they follow your advice to them? No, so why worry about their advice to you?

I've never been busier with things I enjoy doing, not sure where I found time to work for someone else. :idea:
by Qtman
Tue Jan 19, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 5262

Re: What online Email do you use

AOL forever, no complaints.
by Qtman
Tue Jan 19, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate investment for newbie
Replies: 23
Views: 1987

Re: Real estate investment for newbie

We've had rentals for over three decades, some issues but in general a very good experience. Providing decent housing at a reasonable price is a noble pursuit and you can make money at it. It is work, but what isn't? I think for many people, having some real estate is a great diversification from pu...
by Qtman
Mon Jan 18, 2016 5:13 am
Forum: Investing - Theory, News & General
Topic: Mount Rushmore of Investing
Replies: 31
Views: 3801

Re: Mount Rushmore of Investing

Louis Rukeyser, who made the market real for several generations, plus he looks like George Washington. :D
by Qtman
Sun Jan 17, 2016 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Any here invested in individual stocks?
Replies: 36
Views: 2497

Re: Any here invested in individual stocks?

I have a number of individual stock positions, mostly blue chip type, decent dividend payers. I also have a number of biotech companies because it is a hobby of mine to follow them. Mostly govt, muni bonds and some index funds.

This board is index heavy, which is its reason for existing. :mrgreen:
by Qtman
Sun Jan 17, 2016 5:47 am
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 12825

Re: It sure looks like a good time to invest in oil

“Be Fearful When Others Are Greedy and Greedy When Others Are Fearful” -- Warren Buffet It sure looks like oil stocks are on clearance now. For example, Vanguard Energy ETF (VDE) is down about 50% from the middle of 2014. I tend to be very disciplined with my 90 / 10 stocks / bonds AA. But what are...
by Qtman
Sat Jan 16, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 318813

Re: What Movie Have You Recently Watched?

Gran Torino
by Qtman
Sat Jan 16, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Buckets for a retiree?
Replies: 55
Views: 5039

Re: Buckets for a retiree?

Just try not to kick the bucket. :beer
by Qtman
Sat Jan 16, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a business to purchase?
Replies: 36
Views: 4430

Re: Where to find a business to purchase?

thethinker wrote:Are there any relatable sites to search for existing businesses for sale? I'm in the market and while a startup is possible, I'd like to see what's out there.

Does anyone else on this site own a business in addition to their 'day job'?


We do some rental real estate.
by Qtman
Sat Jan 16, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: How long can I let my car "sit" on vacation?
Replies: 47
Views: 4319

Re: How long can I let my car "sit" on vacation?

Due to unforeseen circumstances I had a car sit in heated garage for over 1 year. Needed a jump but started right up. I asked service manager at dealer about gas stabilizer, he said gas today has so many additives, no need. I burned the entire tank of over one year old gas, no problem. If it is goin...
by Qtman
Fri Jan 15, 2016 1:44 pm
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 11365

Re: Who's buyin' today?

I continue to buy S&P index funds, Intl funds, oil stocks, blue chips with yields over 3.4%
by Qtman
Thu Jan 14, 2016 8:22 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers (Best Kept Secret)
Replies: 76
Views: 12749

Re: Interactive Brokers (Best Kept Secret)

IB is a good broker.

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