Search found 130 matches

by corwin
Mon Nov 20, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6208

Re: Drive it till it dies. It died.

You may have also overpaid for the repairs earlier in the year. . . . You just had a 2010 die, if you buy a 2014 version of the same model then why would you expect it to last more than 4 more years? The repairs earlier this year were done at an independent shop I have used for years. I was on my w...
by corwin
Mon Nov 20, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6208

Drive it till it dies. It died.

The transmission (CVT) went out in my 2010 Nissan Murano with 140K miles. It will cost $6,000 to replace the CVT at the dealership. I don't want to put anymore money into the car. I already spent $4,500 earlier this year. How do I sell a car that won't run if I don't trade it in at the dealership? W...
by corwin
Thu Oct 19, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7748

Re: How many miles/years do you keep your car?

Starting in '92 I began buying new every 6 years when the cars were between 90 and 100K miles. After discovering BH I decided I didn't want to go into debt for a hunk of metal. Our 2010 Murano now has 138K miles and it is still in good shape exterior and interior. Had to put $4K into it last Spring ...
by corwin
Wed Oct 11, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15796

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM is a lifestyle blog espousing a philosophy, namely Stoicism. The main message is don't spend money on things that won't make you happy and a lot of things that you think will make you happy probably won't. MMM says that freedom, self-sufficiency, good relationships and helping others will make y...
by corwin
Mon Oct 09, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 4552

Re: Why is inflation so low? Moore's law?

It is common for journalists to generalize Moore's law to mean the impact of technology on productivity. Even using that definition I don't know how you isolate electronic technology from other productivity gains.
by corwin
Tue Sep 26, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11996

Re: The Rolex and The Boglehead

Here I am feeling guilty for re-buying a Polar heart monitor watch for $60 because the display on my old one is missing a few LEDs. My every-day watch is a nice Seiko that I get compliments on. It was a gift from DW and I'm sure she spent less than $500. Everyone has their own idea of what luxury is...
by corwin
Tue Sep 26, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919536

Re: What Movie Have You Recently Watched?

Wife and I watched Wind River this weekend. I thought it was very good and she hated it. It is very bleak with some disturbing imagery. I thought the story and acting were well done.
by corwin
Thu Sep 14, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19737

Re: Is it really Worth it to brown bag your lunch at work?

I have been fasting 2 days per week (not eating until dinner time). The other days I eat a take-out salad for lunch at $10 each. I am flexible about which days I do this and can accommodate lunch with friends or co-workers when necessary. I save about $25 per week over breakfast at home and lunch ou...
by corwin
Wed Sep 06, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 5363

Re: Do I need an Amazon Echo??.....

We don't "need" ours but we use it every day. We check weather, listen to music, set timers and ask it random questions. Sometimes we take it on vacation with us.
by corwin
Wed Aug 23, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1817

Re: Transferring Work Locations - Cost of Living Decrease?

My employer is not a megacorp but we do have offices all over the world and US. We will not reduce salaries when an employee moves to a LCOL area. However, it may affect the size of future increases. This is especially true if you are above the market salary for your position and location. This was...
by corwin
Tue Aug 22, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1817

Re: Transferring Work Locations - Cost of Living Decrease?

My employer is not a megacorp but we do have offices all over the world and US. We will not reduce salaries when an employee moves to a LCOL area. However, it may affect the size of future increases. This is especially true if you are above the market salary for your position and location.
by corwin
Thu Jul 27, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 2912

Re: Where to move? New job, considering Nevada...

I am trying to convince my wife that we should move to Nevada from Chicago once we are empty-nesters. We love CA but it is one of the few places with a worse tax environment than IL. Las Vegas is close to many good things like National Parks and is a short drive to SoCal. Our daughter wants to go to...
by corwin
Thu Jul 27, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9650

Re: Should I Quit my 6-figure job?

I have been with the same company for 30 years. I have had many opportunities as the company has grown almost every year. However, there were flat spots in my career when nothing much happened for a few years. I know I would have had a higher salary if I had changed companies every 3-5 years but it ...
by corwin
Mon Jun 05, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 9882

Re: Favorite Thriller Authors and Why

Some of my favorites that have not been mentioned yet: C.J. Box: Joe Pickett series - A Wyoming game wardens who is always finding trouble. Wilbur Smith: Courtney Family Series; Ancient Egypt Series (historical fiction with lots of action) Bernard Cornwell: Richard Sharpe Series; Uthred Series (hist...
by corwin
Thu May 25, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 421963

Re: What's Your Credit Card Rewards Strategy?

I took the plunge today for the MileagePlus Explorer card. I couldn't pass up the 75K miles. Will come in handy for trip to AU/NZ. The annual fee is $99 but it should save bag fees totaling more than that each year.
by corwin
Mon May 22, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 6318

Re: What are your priorities for retirement?

It's not retirement but I am ready to become untethered. I want to move from the Midwest to the Southwest for a few years and spend my weekends and vacations exploring national parks and the west coast. I should have another 20 years of mobility (long drives and long hikes) if I'm lucky. I want to s...
by corwin
Thu May 18, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: What are the powers of HR in a company?
Replies: 40
Views: 3971

Re: What are the powers of HR in a company?

Hiring managers spend very little time on the hiring process, in my experience. HR or internal recruiter is the gate-keeper reducing the number of applicants from hundreds to a handful. So HR does have the power to keep you out of the handful. Once you have interviewed HR will likely only advise the...
by corwin
Mon May 15, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919536

Re: What Movie Have You Recently Watched?

The Founder - the story of Ray Kroc and the brothers who actually came up with the idea for McDonalds and opened the first restaurant. Not a documentary at all. I really enjoyed it. Kroc was ruthless. If you rent the DVD, as I did from Redbox, it includes a panel discussion with the actors and the ...
by corwin
Mon May 15, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 94915

Re: High Earners - What's Your Profession?

I was a Product Owner at a growing company when I first broke 6 digits.
by corwin
Tue May 09, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 6680

Re: What newspaper or magazine do you pay for?

None. Someone gave my wife a subscription to People as a gift. She may read them but they just keep piling up. I do all my reading online and get E-books or library books. Also try to pay my bills online. Even so the house is full of paper. I run into the pay-wall at the online version of WSJ, NYT a...
by corwin
Fri May 05, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 21125

Re: Why save so much for when you're old?

Savings is not just for retirement. You could save aggressively for 3-5 years and then take a year off. I like this post: http://jlcollinsnh.com/2011/06/06/why-y ... you-money/

I never wanted to deprive myself either but I wasted more money than I spent on making myself happy.
by corwin
Fri Apr 28, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: TED Talk - Curtis "Wall Street" Carroll
Replies: 5
Views: 1520

TED Talk - Curtis "Wall Street" Carroll

Saw this TED Talk today and the message, from a man spending the next 50 years in prison, is that financial literacy is just as important as being able to read. He teaches a course on saving and investing to other inmates. From a separate article it is clear that Curtis is not a Boglehead because he...
by corwin
Fri Apr 28, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Can a bank see if a check has been cashed by routing number?
Replies: 14
Views: 1409

Re: Can a bank see if a check has been cashed by routing number?

I actually work at the company that assigns the routing numbers to the banks. The routing number is the digital address of a bank or bank branch. The routing number alone can only identify the bank. To identify the account where the funds are coming from you need both the routing number and the acco...
by corwin
Thu Apr 27, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: "I don't want to wait till I'm 59.5
Replies: 28
Views: 4820

Re: "I don't want to wait till I'm 59.5

Having the money locked up until I'm 59.5 is a feature for me. As it was I took 3 or 4 loans against my 401K.
by corwin
Thu Apr 27, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 13328

Re: Single most important investing advice?

The advice I heard after I was ready to hear advice, that was the most important. I heard many good pieces of advice when I was young but I acted on very few of them. My 16 yo daughter caught part of an interview with Money Mustache I was listening to. She was very interested in the retiring early p...
by corwin
Sun Apr 23, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919536

Re: What Movie Have You Recently Watched?

Get Out, very deep. I need to see it again. +1 Great plot. Excellent acting. Anyone reading this that want to see the movie.. don't watch the trailer. Gives away too much. I did go see it twice and that was worthwhile. Reaction the first time: "Oh, wow, geez! Gotta think about this a little." React...
by corwin
Sun Apr 23, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 22678

Re: Any regrets living a frugal life for high income/high networth individuals?

My parents were frugal and always bought the cheapest item regardless of quality. My wife's parents were frugal and always bought the least expensive high quality item. My wife's parents did much better financially but that was only one factor. However, it is a much better way to live. It is no fun ...
by corwin
Wed Apr 19, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my whole life policy?
Replies: 80
Views: 9831

Re: Need help with whole life

I misread the title as "Need help with MY whole life." I am glad it is only insurance. :happy
by corwin
Tue Apr 18, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 4707

Re: Weight loss and investing

I see a lot of the similarities as well. My problem is I'm knowledgeable on both fronts. I know exactly what to do, how to do it, and why to do it. I have found I have pretty good financial discipline and have seen the results. I have found I have almost no diet/exercise discipline and have not see...
by corwin
Tue Apr 18, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 13938

Re: You can never go "home" - retirement

I am 200 miles from where I grew up and visit there frequently to see family. No desire to return to live there. In my pre-retirement I want to move much further away. If I had grown up in one of the small resort towns on the Great Lakes I might feel differently.
by corwin
Tue Apr 18, 2017 3:19 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 4707

Weight loss and investing

I think there are many similarities between healthy weight loss and good investing. Both are on my mind these days: 1. You must stay away from fads that promise too much too quickly. 2. It starts with a commitment. 3. There is the initial period of sorting through noise to find good advice and infor...
by corwin
Tue Apr 18, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9525

Re: Mens Blue Jeans - What are we buying now?!

Just bought 2 pair of Levi 541's at Kohl's on sale plus 30% off. First time I have seen the 541's, athletic fit. More room in the seat but not baggy elsewhere.
by corwin
Thu Apr 13, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mixed Feelings - "Investing" in my car
Replies: 6
Views: 1180

Mixed Feelings - "Investing" in my car

After an annual bonus was used to pay-off debt and income tax I had a small amount I wanted to put into our post-tax VG accounts. This was to be the first of a stepped up commitment to go beyond the 401K. I procrastinated a couple of weeks worried that something would come up. And, I was right. Whil...
by corwin
Mon Apr 03, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 28306

Re: Low-earners- What is your profession?

DW and I don't fit the category but many in my family do. They include social workers, pastors, law enforcement and health care. Very service oriented people doing good work. Most live in LCOL areas.
by corwin
Tue Mar 21, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Child Planning Checklist
Replies: 42
Views: 3864

Re: Child Planning Checklist

It's counter-intuitive but you should plan a trip for the two of you for sometime next year. Time away from the 24/7 responsibility of being parents has really helped us from becoming overly stressed. With good, reliable childcare (grandparents) we were able to do it without worrying too much. The f...
by corwin
Tue Mar 14, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Specific Book Recommendations - passing the time on Amtrak
Replies: 13
Views: 877

Re: Specific Book Recommendations - passing the time on Amtrak

I would recommend Scott Adams "How to fail at almost everything and still win big". I read this while stuck in the Paris airport for 3 hours. I didn't really mind because the book was very engaging. While not specifically about health or personal finance it does cover those topics. His poi...
by corwin
Tue Mar 14, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads handle allowance?
Replies: 38
Views: 3505

Re: How do Bogleheads handle allowance?

I have a 16 yo daughter, only child. We never gave an allowance but would pay for her clothing and personal events. Thinking back I wish we had given her an allowance and let her decide how to spend it. She would have a better idea of what it is like to delay gratification. On the bright side she ha...
by corwin
Wed Feb 15, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 55
Views: 6725

Re: Stock Market Fears

I had some money to invest last summer. I was worried because the Dow was near a peak at 18,000. The S&P 500 was just over 2,000. If I had sat on the money I would have missed the gains of the last 7 months. I don't know when the market will go down or by how much. I do believe that over time it...
by corwin
Mon Feb 13, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 7588

Re: Is 130k a good salary in IT?.

Most salaries are based on a combination of value generated and competitive pressures. For an individual contributor with a standard skill set the competitive pressure of what other companies will pay for those skills determines most of the salary. A person who generates value by helping to close de...
by corwin
Sat Feb 11, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 19816

Re: Why do you go to restaurants?

Fish!. I like it every once in awhile. My wife doesn't like it and hates the smell. I can have it at a restaurant and leave the fishy smell behind. I don't care care for sit-down restaurants that are slightly better than fast food. We gave up on Outback for that reason. There are moderately priced p...
by corwin
Mon Jan 30, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Personal finance help for those below/near poverty line
Replies: 48
Views: 6775

Re: Personal finance help for those below/near poverty line

The cheapest internet is at the public library. (I don't know how secure the machines are for online financial transactions, though. You always have the possibility of someone watching over your shoulder and leaving history on the machine.) Also, lots of free entertainment: dvds, books, audio at the...
by corwin
Mon Jan 30, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 4060

Re: Nissan? (Cars.)

We are on our 2nd Murano. The first one was a 2004. Nissan was still working out the kinks in the model. We had a lot of small problems. Our 2nd Murano is a 2010. We are over 110K miles and still enjoying it. When we have rented the smaller Nissan sedans we haven't been that impressed but it has bee...
by corwin
Mon Jan 30, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Utilizing a trainer to maintain fitness in retirement
Replies: 39
Views: 3111

Re: Utilizing a trainer to maintain fitness in retirement

Just joined a gym where group classes are included as part of the membership fee. I've done about 4 spin classes so far. I haven't done group exercise since high school sports. There are advantages to group classes over training alone: I push myself when riding alone but I don't push nearly as hard ...
by corwin
Mon Jan 23, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ever have one of those kind of Mondays...?
Replies: 20
Views: 2340

Re: Ever have one of those kind of Mondays...?

When I was much younger I used to fear that preparing for a negative event would cause it to happen. Save money for emergencies and then your car's engine light goes on. Go to the doctor for a physical and you end up needing surgery. Finally put your will together . . . . It's hard to convince the s...
by corwin
Fri Jan 20, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 259
Views: 32365

Re: Good Modern Science Fiction

The Mechanical (The Alchemy Wars #1)
by Ian Tregillis

This is not my favorite SF book but it is very original. It is an alt-history future with lots of steam-punk.
by corwin
Wed Jan 04, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Difference between HCOL and LCOL [High and Low Cost of Living]
Replies: 35
Views: 3925

Re: Difference between HCOL and LCOL

"In California, property taxes are low but income taxes are high" My wife and I would love to leave IL for CA in a couple of years. We would go from being homeowners to renters. The COL would be slightly higher. The state income tax, however, would more than double. Maybe we could live in ...
by corwin
Wed Jan 04, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919536

Re: What Movie Have You Recently Watched?

Really enjoyed The Accountant and I'm not a big Affleck fan.

Not sure what I thought of Rogue One. After the 5th scene change in 15 minutes I was very confused.
by corwin
Wed Jan 04, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 32582

Re: Whats your number to walk away?

I would stop now if I had 3 MM. I will stop in 10 yrs if I have 2 MM in today's $$.
by corwin
Wed Dec 14, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 17491

Re: How old is your vehicle?

2010 Nissan Murano w 120K miles. Just bought a 2008 Honda Civic for daughter w 108K miles.
by corwin
Wed Nov 30, 2016 5:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 6543

Re: livesoft is almost at 50,000 posts...

Since joining the forum this summer I have wondered what drives the 5 digit posters. 50,000 posts is over 14 per day. Of course, one good argument is worth 50 posts alone.