Search found 477 matches

by Will do good
Fri May 19, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Why buy travel insurance when some credit cards offer it for free
Replies: 8
Views: 1141

Re: Why buy travel insurance when some credit cards offer it for free

Are the credit card insurance coverage as good as the purchased ones? I mean is it legit and easy to make claims?
by Will do good
Fri May 19, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Why buy travel insurance when some credit cards offer it for free
Replies: 8
Views: 1141

Why buy travel insurance when some credit cards offer it for free

We are retired and begin to travel overseas few times a year, we have been buying optional travel insurance as many BHs suggested and do.

But... why should we do that if some credit cards (such as Chase Sapphire Preferred) offer travel insurance coverage for free with the card, what am I missing?
by Will do good
Thu Apr 20, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: What constitutes "a lot" of money?
Replies: 81
Views: 11266

Re: What constitutes "a lot" of money?

10 millions+
by Will do good
Thu Apr 20, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 4946

Re: Did I make a good decision to retire July 2017 instead of July 2018?

Without knowing your expenses it's hard to tell if you made the right decision.
by Will do good
Thu Apr 20, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36578

Re: Larry Swedroe says "Goodby."

Thank you Larry for all your advices. Sorry some of our members caused you trouble, some do seems to like to argue for the sake of arguing.
by Will do good
Wed Apr 19, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 5177

Re: Tips on Uber

I have used Uber a fair amount and don't tip. On a recent tip to Vegas, I used the local taxi instead of Uber (there was a convenient line right outside my hotel). The credit card reader offered tip options of 20, 30, or 40%. After tipping *only* 10% in cash, I got a dirty look, no help with my bag...
by Will do good
Tue Apr 18, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 13712

Re: Too much inheritance to handle. Advice needed

This advisor sounds awful. You will be paying 1.25% + probably the same in fund expenses (and maybe for very subpar returns vs. indexing). So thats $25,000 a year just for expenses and performance will probably lag a vanilla portfolio in a fund like VBIAX, Vanguard Balanced Index Admiral class, whe...
by Will do good
Mon Apr 17, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: How much money do you need to generate $50,000 per month?
Replies: 60
Views: 7664

Re: How much money do you need to generate $50,000 per month?

Someone I know bought a piece of land for $600k, bank financed construction, built a 28-unit apartment building in high demand area near train station which will generate ~$30k a month(stores and apartments) while the mortgage is ~$10k per month. That's a 3.3% month ROI, which equates to 40% a year...
by Will do good
Mon Apr 17, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 13712

Re: Too much inheritance to handle. Advice needed

1. Write a letter to this advisor and tell him to make no move on ANY of the portfolio. 2. Take your time and learn to invest, take a year if you have to. Don't less this advisor rush you, he's rushing you to lock in bad investments and get his high fees. He's NOT a friend of you or your family. 3. ...
by Will do good
Mon Apr 17, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Best cruise
Replies: 50
Views: 3854

Re: Best cruise

If you travel in January after school are back in session you could spend no more than around $300 PP on airfare, inside rooms for $600 PP or less. Skip the shore excursions hang out by the ports and beaches and your whole week could be $1000 or less per person. Don't wait 5 years. Our cheapest 1 we...
by Will do good
Thu Apr 13, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1837

Re: Working without an office - Strategy

Seems like your upper management does'nt have a clue how to manage it's employees. Sounds like no matter what you do you could get blame if they want. If I were you I'll contact the union and ask for their advice so you don't get into trouble.
by Will do good
Wed Apr 12, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 1816

Re: Keep old yet reliable used car or buy new

New car insurance is also much higher.
by Will do good
Wed Apr 05, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: ORD Parking lot challenge - need quick response
Replies: 18
Views: 1187

Re: ORD Parking lot challenge - need quick response

Do you have SpotHero app? It's great for us to search and book discounted parking spaces around Chicago, maybe they have something near ORD.

https://spothero.com
by Will do good
Wed Apr 05, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Flights with limited pre-assigned seating benefits
Replies: 49
Views: 2831

Re: Flights with limited pre-assigned seating benefits

Many nicer/high-end hotels offer a free wifi phone in the room that you can use to surf, use as a hot spot and even take it out of the hotel while around HK to use for call back to the US and hot spots etc, all for free. Check if your hotel offer this phone.
by Will do good
Wed Apr 05, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8834

Re: Buying expensive car, how to keep payments low?

s0me0nesmind1 wrote:"I have enough money to buy everything, because I don't buy everything"


+1, thats' our family too.
by Will do good
Tue Apr 04, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 8987

Re: What career helped you become wealthy?

OK, I'll nibble. Personally, at 70+, I have made it to 8 figures but still a long way from 9 figures. Surprisingly many of my childhood buddies seem to have done similarly. I also have a very small handful of friends from childhood who have made it to 9 figures and a couple even to 10 figures. What...
by Will do good
Tue Apr 04, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 6693

Re: Got my second comma -- what is this anticlimactic feeling?

Take the victory lap, celebrate a little, be happy. You are way ahead of most people in this world.
by Will do good
Tue Apr 04, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 5737

Re: Early retirees - how did you inform your loved ones and friends?

I informed couple of friends and family members, the rest I don't think they care one way or another.
by Will do good
Wed Mar 29, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Home Intercom Upgrade / Replacement
Replies: 7
Views: 459

Re: Home Intercom Upgrade / Replacement

We have a house phone is every room, no one use it. We text.
by Will do good
Wed Mar 29, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 10999

Re: When do you plan to die?

100 is a good round number for planning, my parents are healthy early 90's, DW's grandfather pass away at 102 :)
by Will do good
Mon Mar 27, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Boston apartment hunting advice/can I afford a studio?
Replies: 48
Views: 3511

Re: Boston apartment hunting advice/can I afford a studio?

If your main goal is to save and be FI, no you can't afford it, not at your current income.
If you want to be like most other folks and live it up a little, yes you can afford it.
It's really about what you want. Good luck.
by Will do good
Mon Mar 27, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6569

Re: Weathering sell-off days like today

I only started investing a little less than 1 month ago. It was exciting watching my investment - $5500 Roth IRA for 2016 in VTSMX (total stock market fund) - go up rapidly. Within a few weeks it was well past $5600, and I thought I was a genius for doing my research, and I seemingly every other da...
by Will do good
Mon Mar 27, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6569

Re: Weathering sell-off days like today

What sell off days like today?? You got me scare for a second...
by Will do good
Fri Mar 24, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 86
Views: 5460

Re: Are Bogleheads in the minority on the use of investment advisors?

I can't imagine any FA will care about my money more than me, regardless of what their advertising says :D
I can't imagine giving them equivalent to a new car cost each and every year to "manage" my money.
by Will do good
Mon Mar 20, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3561

Re: What is your preferred Weather App?

Iphone here. What app do you prefer? I've used "Weather Channel" for a while but would like to try something different. Used to use the Intellicast App- was awesome. Nice radar and hourly breakdown for when I was traveling. Then they ended it. Now in looking to replace it, I see many weat...
by Will do good
Thu Mar 16, 2017 2:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Online group meetings via web conference? [Virtual online chapter]
Replies: 31
Views: 2683

Re: Virtual boglehead meeting?

What a good idea. OP wants to be the fist host? :twisted:
by Will do good
Mon Mar 13, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Pipe leak damaged house
Replies: 18
Views: 1800

Re: Pipe leak damaged house

Sorry to hear of your water damage problem. This is what we put around the house where potential water problem could happen (upstairs bathroom, kitchen sink, downstairs bathroom, laundry room, hot water heater etc), it saved our house couple of times, it's $10 per unit. https://www.amazon.com/Glentr...
by Will do good
Sat Mar 11, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: Anyone sorry they used bonds when starting out
Replies: 94
Views: 7192

Re: Anyone sorry they used bonds when starting out

KlangFool wrote:I regretted that I was 100% stock when I starting out. Very big mistake!

KlangFool


That was my mistake as well...
by Will do good
Sat Mar 11, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Is China In An Economic Bubble?
Replies: 26
Views: 1419

Re: Is China In An Economic Bubble?

I've been thinking of investing directly into Chinese Stocks and so have been doing lots of research on the country. Yet after all the research I've done, I am coming to conclusion that China may be in a bubble primarily from Real Estate and commodities. What do you think? rattlenap, << I've been t...
by Will do good
Fri Mar 10, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6884

Re: 28yo, New Millionaire, Advice on Wealth Management

Congrats seaside3310- If you can start a business and sell it for millions, you can learn to invest for yourself. No FA will care about your money more than you. There are many wise people at BH and many of us are managing portfolio about your size and are doing well on our own. Good luck!
by Will do good
Wed Mar 08, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: Buffett’s bets: how dumb are hedge fund managers?
Replies: 50
Views: 4567

Re: Buffett’s bets: how dumb are hedge fund managers?

Nick341981 wrote:I'm amazed Warren could pull off such an impressive feat without a well diversified portfolio of international, emerging markets, bonds, etc. Just a simple S&P 500 index fund. :mrgreen:


+1
by Will do good
Wed Mar 08, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 37
Views: 3691

Re: Traveling to Japan

Maybe we didn't get the right hot spot wifi in Tokyo the first time, the speed was really slow, almost useless. We end up just use the free wifi in the hotel and restaurants. The second time we were there we just use our free T-Mobile 2G plan to check email and use Google maps to get around and it's...
by Will do good
Sun Mar 05, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 11511

Re: Just laid off - what to do

Sorry to hear about the layoff, sadly it's part of the norm today. Beyond the job search, reach out to your network for every and any kind of opportunities. In my case I started my own business with my connections, my layoff turned out the best thing ever, I ended up making much more than my old job...
by Will do good
Sun Mar 05, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3432

Re: Describe your Reasonable Dream Home

Location, location, location.

One 1500sf beach house in Santa Monica near Venice beach.
and
One 1500sf condo in Hong Kong mid-level.
by Will do good
Fri Mar 03, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Poor Aging couple financing
Replies: 19
Views: 2484

Re: Poor Aging couple financing

What state do you live in? Some states offer more elder assistants and service than others.
Such as California is very generous.
Good luck.
by Will do good
Wed Mar 01, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Retired Members--life mistakes
Replies: 64
Views: 9007

Re: Question for Retired Members--life mistakes

1. Should have spend on few extra vacations when our kids were young and don't worry too much about our retirement funds. Now we travel with just the two of us and I missed the family trips and times together. 2. Got layout from mega corp, instead of looking for another job I started my own business...
by Will do good
Tue Feb 28, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 2772

Re: saving for european vacay in 2055

Even for most BHs, you are planning way too far out. Save as much as you can today, but also enjoy some of todays as well. Eastern Europe is reasonable, so is Mexico, South America or Asia. During off season you can go to Asia for about $2k for the 2 of you, if you are willing to stay at cheaper pla...
by Will do good
Sun Feb 26, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 7986

Re: Used German Luxury vs New Japanese

ive owned everything - exotics, and hondas, and evertyhing in between. Ifyou have the means, I would buy a BMW 2 years out, off lease, and perhaps CPO. Enjoy it. I fyou have to go back to japanese later, then do it. But try the BMW. Its fun! (or mercedes) +1 on the BMW. Yes it is expensive but my s...
by Will do good
Sat Feb 25, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5772

Re: Pre-retirement checklist, what is on yours?

What items beyond reaching a certain level of savings are on your retirement checklist? Here is mine so far, some have been taken care of others may be in progress. I am sure I am missing some things and there are things others might feel unnecessary. Also, interested in hearing from those who are ...
by Will do good
Sat Feb 25, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5772

Re: Pre-retirement checklist, what is on yours?

What items beyond reaching a certain level of savings are on your retirement checklist? Here is mine so far, some have been taken care of others may be in progress. I am sure I am missing some things and there are things others might feel unnecessary. Also, interested in hearing from those who are ...
by Will do good
Fri Feb 24, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-retirement checklist, what is on yours?
Replies: 72
Views: 5772

Re: Pre-retirement checklist, what is on yours?

What items beyond reaching a certain level of savings are on your retirement checklist? Here is mine so far, some have been taken care of others may be in progress. I am sure I am missing some things and there are things others might feel unnecessary. Also, interested in hearing from those who are ...
by Will do good
Thu Feb 23, 2017 7:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 96
Views: 11144

Re: Roll Call for the Retirement Class of 2017!

cinghiale wrote:Isn't this Victoria's gig?

Or did she decide to pass the baton upon her retirement?

If not, isn't this like someone deciding to post "gems" without checking with Taylor first?


+1, I'm afraid of Victoria :shock:
by Will do good
Wed Feb 22, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 8143

Re: New Boglehead Millionaire

So fast and so young. :sharebeer
by Will do good
Mon Feb 20, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 7323

Re: 20% bonds: why bother at 48?

I'm 48 and spouse is 52. I know that bonds reduce overall volatility. However, if I'm not concerned about a bumpy road during the next 10 years or so, why bother having any? If here's a global meltdown, 20% won't be enough to be meaningful. I am on board that within 5 years of retirement, I need to...
by Will do good
Sun Feb 19, 2017 3:25 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 66
Views: 3948

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

So wise for a 10 yo. Congrats. :beer
by Will do good
Sun Feb 19, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 5800

Re: The russians are hacking me

Wouldn't that be the Georgians, or more particularly, somebody in Tbilisi, Georgia? PJW Geography is a lost art. Actually, this may have more to do with the common language than the geography. The Russian cyber criminal rings are very powerful and include Russian speakers in Ukraine, Georgia, and o...
by Will do good
Fri Feb 17, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 5800

Re: The russians are hacking me

Wouldn't that be the Georgians, or more particularly, somebody in Tbilisi, Georgia? PJW Geography is a lost art. Actually, this may have more to do with the common language than the geography. The Russian cyber criminal rings are very powerful and include Russian speakers in Ukraine, Georgia, and o...
by Will do good
Wed Feb 15, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10924

Re: Bogleheads not the norm?

Hey! Just wanted to say, I am a Boglehead :) AND I'm not a high earner. I'm a pastor at a small/medium size church. They take great care of me, but I'm not ever going to be a high earner---but I have a lot of friends that really love me! My emergency fund is at about 3 months--if we eat a lot of ra...

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