Search found 542 matches

by Will do good
Wed Sep 13, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20085

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: 333
Views: 20085

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: 46938

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: 24135

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: 24135

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: 8313

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: 13974

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: 13974

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: 1059

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: 13974

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: 6754

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: 3871

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: 11073

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: 3433

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: 7300

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: 7300

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: 7300

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: 4075

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: 1705

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: 3213

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: 3213

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: 11527

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: 3213

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: 4471

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: 2154

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: 4291

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: 4021

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: 688

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: 3668

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: 9236

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: 18618

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: 8121

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: 8121

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: 1746

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: 10679

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: 4408

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: 7763

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: 15333

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: 1829

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: 5570

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: 10607

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: 5642

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: 9
Views: 2248

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: 7156

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: 38
Views: 5072

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 of card elite status ...