Search found 530 matches

by Will do good
Wed Aug 16, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 65
Views: 5626

Re: Free Reading

rgs92 wrote:
Fri Jul 28, 2017 12:30 am
Do brick-and-mortar libraries have a useful purpose anymore? Are they worth the public funds they cost? Just asking.
Yes, our family uses the public library 4-5 times a month, we always have books or DVD's out.
by Will do good
Wed Aug 16, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 33
Views: 3104

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

I'm old school, I don't like debts.
Years ago we paid off our rentals early and feel better about it.
by Will do good
Wed Aug 16, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: How does one determine their "number" and what exactly does it mean?
Replies: 101
Views: 8981

Re: How does one determine their "number" and what exactly does it mean?

+1 Simple is good for most people. And these numbers are pretty shy of what I'd want to have saved, but if you are behind, these numbers will give you hope to help you get started. The first step. . . But we Bogleheads tend to relish getting down and dirty with the particulars of our own situation ...
by Will do good
Wed Aug 16, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 2677

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

It was the Four Seasons and Ritz Carlton, than our budgets got cut and than W and Shuttler on the beach.
But those decision are made for us by client budgets.
by Will do good
Tue Aug 15, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 61
Views: 5556

Re: Retired Boglehead obsession with money- devil's advocate

If I get put in a home, I'd rather be in one where I can private pay $14k a month and get real food, tv, a nice environment and enough health care staff to notice whether or not I'm still alive vs being in one where for entertainment, I get to lean against a cement block wall and where a nurse come...
by Will do good
Mon Aug 14, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 61
Views: 5556

Re: Retired Boglehead obsession with money- devil's advocate

If I get put in a home, I'd rather be in one where I can private pay $14k a month and get real food, tv, a nice environment and enough health care staff to notice whether or not I'm still alive vs being in one where for entertainment, I get to lean against a cement block wall and where a nurse come...
by Will do good
Mon Aug 14, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Retired Boglehead obsession with money- devil's advocate
Replies: 61
Views: 5556

Re: Retired Boglehead obsession with money- devil's advocate

This thread needs some music. The only question is whether you listen to Pink Floyd's Time first or Money first. Not a bad album with the eclipse happening soonish. Pink Floyd – Time Ticking away the moments that make up a dull day Fritter and waste the hours in an offhand way. Kicking around on a ...
by Will do good
Wed Aug 09, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 3223

Re: Do you plan to ditch your laptop in travel soon?

Ipad is fine, but I like my Apple Air much better and not much more weight.
by Will do good
Thu Aug 03, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Finding ways to save even more money.
Replies: 11
Views: 1635

Re: Finding ways to save even more money.

In addition to finding ways saving money, is there ways for you or DS earn extras in freelance work?
In my working years, I made extra 10-30% doing freelance, I understand some profession are easier than others.

Please excuse if this subject came up before.
by Will do good
Tue Aug 01, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Say Bye Bye To Wells Fargo Advisors?
Replies: 30
Views: 2989

Re: Say Bye Bye To Wells Fargo Advisors?

I'm a big fan of Wells Fargo do-it-yourself WellsTrade brokerage which is free for me, but I would never recommend using one of their advisors sales reps to have anything to do with my money. Yes, I hold Vanguard funds in my WellsTrade brokerage accounts. Nobody has tried to sell me anything and my...
by Will do good
Tue Aug 01, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Say Bye Bye To Wells Fargo Advisors?
Replies: 30
Views: 2989

Re: Say Bye Bye To Wells Fargo Advisors?

If their ER is exactly the same as Vanguard, why would you trust them with your money? why wouldn't you go to the source? Wells Fargo is clearly a dishonest company, their interest is clearly not their customers. Just to throw in $.02. I'm leaving Wells for most of my banking because of the premium...
by Will do good
Mon Jul 31, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 10992

Re: Your "at peace" moments.

lightheir wrote:When you have a little kid <5 years old, you're either sleeping or chasing! No at peace moments!


I rather enjoyed and missed those days, my youngest is now 21. I envy you.
by Will do good
Mon Jul 31, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Say Bye Bye To Wells Fargo Advisors?
Replies: 30
Views: 2989

Re: Say Bye Bye To Wells Fargo Advisors?

I'm a big fan of Wells Fargo do-it-yourself WellsTrade brokerage which is free for me, but I would never recommend using one of their advisors sales reps to have anything to do with my money. Yes, I hold Vanguard funds in my WellsTrade brokerage accounts. Nobody has tried to sell me anything and my...
by Will do good
Sat Jul 29, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4156

Re: Wooden flooring in kitchen

We installed wooden floor in every home we own during the past past 30 year (except the bathrooms). Love the look of polished oak, very easy maintenance and to clean comparing to carpets, which holds and hides all the dirt. We believe hard wood floor is better for our allergies. We do have oriental ...
by Will do good
Wed Jul 26, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: From Chi-Midway: Taxi, Uber, Lyft, or other?
Replies: 26
Views: 1968

Re: From Chi-Midway: Taxi, Uber, Lyft, or other?

Do share ride with another passenger and you can save even more. Whenever we travel we always use Lyft, you'll see the route the driver takes on your final bill, if the driver try to scam you for a longer ride, you can challenge the route to Lyft and they'll refund you the ride, if they agree the ro...
by Will do good
Wed Jul 26, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Time, not material goods, 'raises happiness'
Replies: 38
Views: 4115

Re: Time, not material goods, 'raises happiness'

When you have a lot of time, and not much money.. money brings happiness. When you have a lot of money, but not much time... time brings happiness. When you have a lot of time and money (AKA retired)... you have won the game. The last line describes me with an important qualification: Winning a gam...
by Will do good
Thu Jul 20, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3867

Re: Investing well for Retirement can be frustrating

I understand your envy, we have friends that buys nice cars, upgrade house, entertainment center etc like you friends. Fast forward 15 years, they have told me last year they can't retire till 65 or longer. While I retire early, worry free and vacations overseas few times a year. We BHs plays the lo...
by Will do good
Wed Jul 19, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Where did you make your wedding album?
Replies: 8
Views: 598

Re: Where did you make your wedding album?

I am looking to print a family heritage album (of the sort of quality typically reserved for high-end wedding albums). I would like the album to use archival, acid-free paper, high-quality archival inks, and durable stitching. Internet reviews of places like Milk+Moleskin or ArtifactUprising seem a...
by Will do good
Tue Jul 18, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Thinking out loud
Replies: 30
Views: 3459

Re: Thinking out loud

Hi folks, I have never questioned my investment choices. I am happy with a two fund portfolio and not holding international. I have held this for over 20 years now. As many already know, upon retirement I plan to put it all in the balanced index fund. I am 100% confident that these two funds and on...
by Will do good
Sun Jul 16, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8827

Re: Personal Finance Milestone: 20 Times Annual Expense

I understand and appreciate your Immigrant way of saving and financial thinking. Congrats to your milestone.
by Will do good
Sat Jul 15, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17702

Re: How are folks handling the unprecedented rise in the market ?

I smile with the market high and think I have more money.

Seriously, if your AA is set correct you don't have to worry. I would be happy to see a minor correction or 10-15% so I can use my AA bonds to buy equity on the cheap at rebalance.
by Will do good
Fri Jul 14, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7532

Re: how to destroy hard disk with personal info

However a lot of posts saying to run this or that software seem to ignore the not-working aspect of the drive. A not-working drive could mean many things, such as motor is not spinning, reading head is not engage, but all your personal data is still on the disk. I understand what we do is over the ...
by Will do good
Thu Jul 13, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7532

Re: how to destroy hard disk with personal info

There are many time-consuming suggestions here. Unless you are a gazillionaire or have a really good reason to think the NSA is willing to devote millions of dollars of time to figure out your finances, I would (in fact do) just hook up such drives temporarily to another computer and run DBAN to wi...
by Will do good
Thu Jul 13, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 1570

Re: Security Alarm Pre-Wire in New Construction

I'd go wireless, technology is getting better and cheaper every year. So much easier to upgrade in the future. Go to older homes that was build in the 20-40 years ago and see those old fashion house music/speakers, security system, that's what your wired system will feels like in no time. Can't imag...
by Will do good
Wed Jul 12, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9694

Re: Do you count vehicle equity in net worth?

Maybe for a younger investor you can count vehicles or anything else that's worth something if you sell them. But for most of the older BHs with higher net worth, cars worth is only a rounding error, specially for those of us that drives cars to 100+k miles. :wink:
by Will do good
Wed Jul 12, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: "Top 5 posts of all times"
Replies: 17
Views: 4259

Re: "Top 5 posts of all times"

Perhaps I'm selfish, but I would much rather read another book by Taylor (the BH Guide to Retirement is already 6 years old, hint-hint), then read the drivel of the vast majority of so-called experts. Big Dog: I appreciate your very kind remark. I may have a surprise for you in the coming months. B...
by Will do good
Wed Jul 12, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7207

Re: Do you consider business travel to be a perk or a burden?

Yes, it was a perk and burden at the same time. In those days we travel first class on all flight, stays at Four seasons and allow layover on company's dime if we were willing to downgrade to business class to save the company money. (after reading others travel, I can understand why so many think t...
by Will do good
Wed Jul 12, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13558

Re: Costco with a "gentle" bump for memebership

blu9535 wrote:I probably eat way more than $5 worth of free samples at Costco in a year.


:P
by Will do good
Tue Jul 11, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Making the Leap to Self-Employment
Replies: 16
Views: 1674

Re: Making the Leap to Self-Employment

I worked for mega corp for 20 years. I always wanted to start my own business but was too comfortable making a good income, so I freelance while working full time, making contacts and learning the ropes as a business owner. As I near 50 I was layoff. instead of rushing to look for another job I use ...
by Will do good
Fri Jul 07, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4858

Re: Better hurry if you want a gas-engine Volvo

access to EV charging is not a significant barrier to adoption. Are there a lot of people that literally have NO options....sure. Are they in such a majority that they are preventing the rollout of EVs? Nope. L1 charging requires little more hardware for many people than a heavy duty extension cord...
by Will do good
Fri Jul 07, 2017 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Last 80 minutes of my career
Replies: 64
Views: 10221

Re: Last 80 minutes of my career

Your next life begins, enjoy!
by Will do good
Fri Jul 07, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 5332

Re: Paid off the Mortgage!

Nice job! Onward to your next goal.
by Will do good
Thu Jul 06, 2017 3:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chicagoland Master Thread
Replies: 8
Views: 1821

Re: Chicagoland Master Thread

Thanks for the update.
by Will do good
Tue Jul 04, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: "What I Learned From My 'Faux-tirement'"
Replies: 33
Views: 6879

Re: "What I Learned From My 'Faux-tirement'"

How I wish I can work 5 days month instead of full retirement, my clients needs me to me on 100% if I'm on, including night and weekend.
But I do enjoy my retirement, come and go as I want, travels 2-3 weeks out of the country without checking my text every 20 minutes.
by Will do good
Thu Jun 29, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chase hotel credit cards / IHG Anniversary Free Night
Replies: 33
Views: 3943

Re: Chase hotel credit cards / IHG Anniversary Free Night

Between my wife and I we've had a dozen "anniversary free night" stays over the past few years including Crowne Plaza Singapore, Copenhagen, Seattle; and a $400/night London hotel twice. Never had any additional costs attached to the "free" night but have been upgraded because o...
by Will do good
Thu Jun 29, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: 27, Single, 25k Income with 100k Cash - Lost
Replies: 29
Views: 2875

Re: 27, Single, 25k Income with 100k Cash - Lost

OP- Any possible ways to make/get more of the $100,000 you have in cash? A larger base would help.
by Will do good
Thu Jun 29, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth - thanks to this site
Replies: 15
Views: 3601

Re: Net worth - thanks to this site

Woohooo, onward to your next goal.
by Will do good
Thu Jun 29, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3712
Views: 978139

Re: U.S. stocks in freefall

I wish for a big dip...with a short recovery :D
by Will do good
Wed Jun 28, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Can you share some of your financial goals?
Replies: 69
Views: 7772

Re: Can you share some of your financial goals?

1. Financial independent
2. Retire early
3. Able to help out adult children in the future, if needed.
4. Travel or buy what ever I want, if I want
5. Sleep well at night
6. Leave my portfolio in whole (and grow even bigger) to pass on to future generations

Done, Done, Done, Done, Done,
by Will do good
Tue Jun 27, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 8679

Re: Where to find a financially like-minded significant other?

I too have immigrated to the U.S. from Europe (Soviet Union) at about the same age . . . Victoria, thanks for sharing that. I had no idea you were an immigrant, and from the Soviet Union. Your command of the English language is excellent and I have always enjoyed your thoughtful and witty posts. Vi...
by Will do good
Thu Jun 22, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 32
Views: 3574

Re: Is someone trying to steal my identity?

This is troublesome. You should consider using services like lifelock to help with your identity protection. But if you want to save money and do it yourself, I would: 1. Reset my laptop/phone to original condition (only save data), 2. Put camera to monitor your mailbox, 3. Request credit report an...
by Will do good
Wed Jun 14, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help My Mother "Survive"?
Replies: 67
Views: 4933

Re: Help My Mother "Survive"?

Warning: I'm not sugar coating this: When (not if) repo man shows up and takes the car away, she's going to have to figure out the bus. My wife's aunt has never had a car, is 80 and takes the bus all over for everything. She's 20 years younger. Heck....I'm only a few years younger and have thought ...
by Will do good
Wed Jun 14, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help My Mother "Survive"?
Replies: 67
Views: 4933

Re: Help My Mother "Survive"?

Warning: I'm not sugar coating this: When (not if) repo man shows up and takes the car away, she's going to have to figure out the bus. My wife's aunt has never had a car, is 80 and takes the bus all over for everything. She's 20 years younger. Heck....I'm only a few years younger and have thought ...
by Will do good
Wed Jun 14, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 5448

Re: I'm going to be rich!

Can I borrow some of that today?
by Will do good
Tue Jun 13, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 252
Views: 19300

Re: KF's Worst Case Retirement Plan [KlangFool's]

KF, Any possibility of signing yourself up as a minority business owner and pitch your own IT business from Fortune 500 companies? Instant of looking for another job if you lose this one. As I understand it, many large companies pledge to spend x dollar supporting small minority businesses. I have a...
by Will do good
Tue Jun 13, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 5788

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

However, the video makes a very strong case based on economic facts (not crystal ball as someone suggested). I think even the most confident person will have a bit of doubt after watching it. I am not sure if I am allowed to post it here but it's on youtube and it's called 'James davidson market co...
by Will do good
Fri Jun 09, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 7136

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

No, I got APPL at $3.28 and BH 8 years ago and I feel very lucky.