Search found 560 matches

by Will do good
Sat Dec 09, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10321

Re: Price of haircut?

bikechuck wrote:
Wed Dec 06, 2017 4:26 pm
Will do good wrote:
Thu Nov 30, 2017 10:08 pm
Wife does the cutting. Free!
Are you sure about that? Few things in life are truly free and wives have their ways of seeking adequate compensation.
I'm lucky, my wife doesn't really like to spend much. She has a iPhone 6 and I offer to replace it with X and she say no thanks.
by Will do good
Fri Dec 01, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: I met my first Retirement Savings goal
Replies: 26
Views: 1996

Re: I met my first Retirement Savings goal

Congrats! 27 at 100K is really good, you beat out 95% of Americans.
by Will do good
Thu Nov 30, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10321

Re: Price of haircut?

Wife does the cutting. Free!
by Will do good
Wed Nov 29, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3942

Re: Luggage Update for Travel

Edit - For people who carry on their bags (and fly coach): Are you really able to stay strictly within airlines' weight limits for carry-ons? Easily. Light travel is an obsession of mine, and if I really keep things to a minimum, I can fit everything I need into a small pack and still have half the...
by Will do good
Wed Nov 29, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9300

Re: What did you do right?

1. Married the right person
2. Worked hard and always had freelance business thru my career. How do I have the time? see #1
3. Started many business and some of them actually worked out ok. See #1
4. Invested early and often. See #1
5. Be lucky, being at the right place at the right time.
by Will do good
Wed Nov 29, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11141

Re: After financial independence, do you lose motivation for work?

Being semi-retired & FI, I still love my profession but not so much with crazy clients and dumb demands.

I'm willing to work when not traveling, or have nothing better going on with my life (at that moment). It's the best of both world, we are lucky we have options.
by Will do good
Tue Nov 28, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8599

Re: Can I afford a $1,400,000 house

Yes, you are both Doctors. The rules you live by are different than the rest of us. It is very unlikely that either of you will ever be out of work for long or ever take a pay cut. There are many experience Doctors here, they know what they are talking about when they say no. The rules of living be...
by Will do good
Tue Nov 21, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 50
Views: 3099

Re: Want to build dream workshop/garage, but don't know how to start

Wow what a interesting thread, I feel like I want to build a workshop too.
by Will do good
Sat Nov 18, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Southeast Asia trip - Cash handling
Replies: 19
Views: 1348

Re: Southeast Asia trip - Cash handling

We tour Asia and SE Asia yearly, we use Schwab ATM everywhere without fees. Many small shops and street food vendors don't take credit cards.

I think we had some problem with Visa in Malaysia, now we carry both Visa and Mastercard.
by Will do good
Tue Nov 14, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: Bogle has a forecast...
Replies: 19
Views: 4295

Re: Bogle has a forecast...

I hope Jack is right, love to have real 4% return on stock and 3% on bonds. No kidding. My plan hopes for a 2% nominal return. If I can get 3.6% (assuming 60/40 stocks/bonds) real , I'll be thrilled. :greedy :moneybag I think Jack also mentioned he expects a 2% decrease in valuation. When you take ...
by Will do good
Mon Nov 06, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8534

Re: Should I decline Grand Prize trip because of taxes on winnings?

I think you made the right decision. As a very high income earners what is $4k for a once in a lifetime experience?
Enjoy!
by Will do good
Sat Nov 04, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans: Best to Pay Down or Wait for Forgiveness?
Replies: 33
Views: 2115

Re: Student Loans: Best to Pay Down or Wait for Forgiveness?

OP, Have you consider taking in a roommate to help pay down the student loan or make the house less expensive, this doesn't have to be long term, maybe few years while your income rises. In a HCOL area you should be able to get good rents. In SF my brother was able to rent out a single bedroom for $...
by Will do good
Thu Nov 02, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7741

Re: Does Retirement Make You Lazier?

When I was working, I was busy doing busy work for money.
Now at retirement, I work out 1-1.5 hrs a day, work on my art that is making me happy.
Spend time with my wife, travel that makes both of us happy, so many new discoveries.
Little lazier? maybe. Much less stress and happier YES!
by Will do good
Thu Nov 02, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 3030

Re: Do you Mow your own Lawn?

We hired out. I was busy working at mega-corp, runs a second business and raising a family.
by Will do good
Mon Oct 30, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1679

Re: Barcelona Trip

We were just there 3 weeks ago and it was fine. Some gathering on the squares, no violence. Don't be afraid, enjoy. However, we feel La Rambla and many of the popular site are too touristy. Do a bike tour so you can see more places up close. Download Rick Steve's audio free tours of the city (best i...
by Will do good
Mon Oct 30, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15441

Re: MoviePass-Too good to be true, but it's legit.

got an email today about changes in terms and conditions: MoviePass reserves the right to change the rules of movie-going attendance and ticket availability to members in connection with the Service at anytime. MoviePass reserves the right to change from time to time the number of eligible movies a...
by Will do good
Sun Oct 29, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: Bogle has a forecast...
Replies: 19
Views: 4295

Re: Bogle has a forecast...

I hope Jack is right, love to have real 4% return on stock and 3% on bonds.
by Will do good
Sat Oct 28, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15438

Re: What was the main reason you retired?

1) Hit your number
9) Felt there were things you wanted to do before you got too old

I hit my number fews years back without knowing it at the time.
I realized I can always make more money by working longer/more, but I can't get the time back to enjoy life.
by Will do good
Wed Sep 13, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26464

Re: Iphone X is $1000

I'd take that bet in a heartbeat as well. Alfaspider is insane if he thinks the primary purchasers of this new phone are going to be the wealthy. I must have spoken to a dozen people yesterday who were itching to reserve one, not a single one of these people even makes $50k and several of them make...
by Will do good
Wed Sep 13, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26464

Re: Iphone X is $1000

I'd take that bet in a heartbeat as well. Alfaspider is insane if he thinks the primary purchasers of this new phone are going to be the wealthy. I must have spoken to a dozen people yesterday who were itching to reserve one, not a single one of these people even makes $50k and several of them make...
by Will do good
Thu Sep 07, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 51809

Re: Equifax customer information leak

Maybe it's time for some of us to start thinking about Lifelock? I feel like this stuff is just going to get worse and worse. I've used nothing but cards for at least a decade and I've never really had an issue until recently. Got hit with a bunch iTunes charges like a lot of people did, just had a...
by Will do good
Tue Sep 05, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25944

Re: Name something you had to have and now you regret purchasing it?

I'm surprised that no one says New years resolution exercise machines. :twisted:
by Will do good
Tue Sep 05, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25944

Re: Name something you had to have and now you regret purchasing it?

A franchise business (because they all makes boatloads of money and easy to run, right? :oops: ) Few years later it was burn down as part of a large commercial building fire, walked away with only a 15% lost. Dodged a bullet.
by Will do good
Sun Aug 27, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8840

Re: T-Mobile promotion for 55+

I'm considering switching from my AT&T family plan. It seems that there are the following advantages over AT&T (and Cricket?) beyond $ savings: unlimited data ability to tether my iPad some free international services in Canada & Europe limited free GoGo inflight texts and internet Yes. A number of...
by Will do good
Sun Aug 27, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14723

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

The glitch there could be if the stock market is depressed a long time and the housing market is depressed for a long time I'd be selling at a low point. You're making a big assumption that you could sell. Many in the great recession couldn't sell to anyone or couldn't sell because the mortgage hol...
by Will do good
Thu Aug 24, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14723

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

It drives me crazy that Bill is in the thread answering questions and people are still talking past each other defending their positions and talking over his perfectly reasonable responses. You should stay away from Reddit then :oops: This is exactly how Larry Swedroe was chased away from this site...
by Will do good
Wed Aug 23, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Save on tight budget
Replies: 11
Views: 1153

Re: Save on tight budget

Lynette wrote:
Wed Aug 23, 2017 5:55 pm
Start you own business and hire a few hardworking 25-year olds :D
Great advice, that's what I did later in my career. Started my own business and made a lot more money.
by Will do good
Wed Aug 23, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 14723

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

Whakamole wrote:
Wed Aug 23, 2017 12:33 pm
bradshaw1965 wrote:
Wed Aug 23, 2017 12:21 pm
It drives me crazy that Bill is in the thread answering questions and people are still talking past each other defending their positions and talking over his perfectly reasonable responses.
You should stay away from Reddit then :oops:
It's just not Reddit, some BH does it too :wink:
by Will do good
Wed Aug 16, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 7187

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: 35
Views: 4078

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: 116
Views: 11598

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: 3710

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: 66
Views: 7800

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: 66
Views: 7800

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: 66
Views: 7800

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: 4342

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: 1769

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: 3428

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: 3428

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: 12002

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: 3428

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: 4790

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: 2368

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: 4535

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 ...
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: 4140

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: 760

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...