Search found 451 matches

by david99
Fri Jan 29, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advisor/Planner for 1.5M Portfolio
Replies: 29
Views: 2808

Re: Need Advisor/Planner for 1.5M Portfolio

If you don't have the time or don't want to be bothered to manage your money, then use the target retirement funds at Vanguard.
Even if you do make a little more with actively managed funds (and that's a big if), the extra return will be eaten up by the cost of the financial planner.
by david99
Sun Jan 24, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 207
Views: 10559

Re: Do you pay for exercise?

I pay $30 a month for gym membership and I really enjoy it. I'm single and have time to go to the gym. I think that if you are married and don't have that much time, then a home gym might make more sense.
by david99
Sun Jan 24, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: New Amazon Prime Member w/streaming - need recs
Replies: 26
Views: 1869

Re: New Amazon Prime Member w/streaming - need recs

Curb Your Enthusiasm --- Larry David is very funny
by david99
Thu Sep 17, 2015 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else get phone calls from Fidelity?
Replies: 38
Views: 2556

Re: Anybody else get phone calls from Fidelity?

I get calls from Fido about once a year. I just ignore them and they go away after two or three times. I don't feel like listening to their pitch or arguing with them about passive versus active. I should just let them know that I don't want any phone calls from them unless there is a problem with m...
by david99
Tue Aug 11, 2015 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off last Friday
Replies: 68
Views: 11878

Re: Got laid off last Friday

Of course a realtor is going to tell you that you should sell your house because this is how they make their money. If you ask a barber if you need a haircut he/she is going to tell you that you need a haircut. Some realtors will pretend to be your friend and tell you that you can get a lot for your...
by david99
Mon Aug 10, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Boston area housing. Is it wise to buy now or wait?
Replies: 8
Views: 1024

Re: Boston area housing. Is it wise to buy now or wait?

I do not think it will matter much if you wait another year. On the other hand if you can wait a few more years when we get another recession, then it will be more of a buyers market. We have had a bull market for about six years now so we are bound to get another recession within the next couple of...
by david99
Sat Aug 08, 2015 1:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 67
Views: 8336

Re: Congrats to Laura Dogu

Laura ,

Buena suerte con su nuevo trabajo. Tenemos suerte de tener un embassodor que también es un boglehead.
by david99
Thu Aug 06, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Hello! Feeling lost. Finance advice for a newcomer?
Replies: 17
Views: 1785

Re: Hello! Feeling lost. Finance advice for a newcomer?

I would start by reading some books: The White Coat Investor: A Doctor's Guide to Personal Finance
The Four Pillars of Investing by William Bernstein (He is also a MD), and The Bogleheads Guide To Investing
by david99
Tue Jul 21, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking car insurance alternatives in MA
Replies: 18
Views: 980

Re: Seeking car insurance alternatives in MA

I just switched to GEICO and I saved some money. I used to have Commerce Insurance.
by david99
Fri Jul 10, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Friend's House - what to do about agent's commission
Replies: 17
Views: 1955

Re: Buying Friend's House - what to do about agent's commission

You need a real estate attorney and someone to inspect the house. I would not involve the realtor in this purchase for fear that they will request some commission. I've bought and sold two houses without a realtor --- I only had an attorney that specialized in real estate and a home inspector. If yo...
by david99
Fri Jun 26, 2015 8:03 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6953

Re: Bogleheads are more aggressive...

Maybe it's that a lot of Bogleheads are invested in the Total Stock Market or All World ex-US and we have confidence that they will do well over the long run. We probably wouldn't have our age-15 in bonds if we were invested in a few stocks. I actually have my age-15 in bonds and it's because I beli...
by david99
Thu May 28, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 70
Views: 7695

Re: Should I shorten my last name?

I shortened my last name and I'm really glad I did. I just did it myself -- I didn't use a lawyer --- it was easy to do--- I just had to file some paper work with the state and then I appeared before a judge --- he asked me a few questions and I was done. I did this about 20 years ago. I highly reco...
by david99
Thu May 07, 2015 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car
Replies: 21
Views: 3739

Re: Buying new car

The Subaru Forester has had a problem with excessive oil consumption ---- there is a class action lawsuit for this problem. Just Google Subaru Forester class action lawsuit or Forester excessive oil consumption. I don't know if it's a problem with the 2015 ( I don't know why it wouldn't be a problem...
by david99
Sat Mar 14, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1435
Views: 274130

Re: What Movie Have You Recently Watched?

I recently saw Jersey Boys -- about Franky Vali and the Four Seasons. Great movie.
by david99
Sat Feb 14, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with problematic tenants.
Replies: 56
Views: 4230

Re: Dealing with problematic tenants.

I would raise the rent to help pay for all the damage they have done. At this point they have trashed the place so it's probably not going to get much worse. There is something to be said for getting your rent on time and no one complaing about them. If they have another grease fire and cause signif...
by david99
Thu Jan 29, 2015 8:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 2472

Re: What is your BMI?

It might be better to ask this question over the summer when most of us are more active --- I usually drop 5 to 10 pounds over the summer.
by david99
Wed Jan 28, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 6339

Re: What age did you move out?

I moved out at 23 after I graduated college and got my first full time job. I was really ready to move out at that point.
by david99
Sun Jan 18, 2015 9:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1435
Views: 274130

Re: What Movie Have You Recently Watched?

The Railway Man. It's about a British prisoner of war who was captured by the Japanese. Excellent movie. It's based on a true story-- I think that the book has the same title.
by david99
Sat Jan 17, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 5348

Re: boglehead workout

I jog three times a week and do strength training three times a week.
by david99
Wed Jan 07, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2716

Re: Transcendental meditation

You can get some books and DVDS from the library on meditation. I tried meditation but didn't like it. I have known people that find it useful. I just go to the gym to relieve stress and relax.
by david99
Fri Jan 02, 2015 10:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1435
Views: 274130

Re: What Movie Have You Recently Watched?

I recently saw Argo. Very good movie about the Iranian hostage crisis in the 1980's --- People were taken from the US embassy and held hostage but a few managed to go to the Canadian embassy. I got the video from the library. In the special features section it also had an interview of Jimmy Carter a...
by david99
Fri Jan 02, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Car shuts off while driving - death, dealers, & liability
Replies: 47
Views: 5973

Re: Car shuts off while driving - death, dealers, & liabilit

Do you know anyone who is selling an older, reliable car? If you do, you could buy it and drive it around for a few months and then sell it for what you paid. If you don't put much mileage on an older car, then it won't depreciate in a few months --- by then your car should be fixed and this would b...
by david99
Thu Jan 01, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 9123

Re: Vanguard's best fund: Healthcare?

I've been very happy with this fund. It's done very well in the past ten years, but I wonder how it will do in the future?
by david99
Thu Jan 01, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: "Soft Retirement" possible?
Replies: 29
Views: 5236

Re: "Soft Retirement" possible?

What will your pension be at 55 or 60 ?
by david99
Thu Jan 01, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Professor Dumpster, a really tiny house.
Replies: 18
Views: 2652

Re: Professor Dumpster, a really tiny house.

It's pretty cool what they can do with a shipping container.
by david99
Wed Dec 31, 2014 4:31 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 18599

Re: Documentaries to recommend?

Forks Over Knives
This is an interesting documentary about the benefits of a whole foods, plant based diet.
by david99
Wed Dec 31, 2014 9:54 am
Forum: Personal Consumer Issues
Topic: Do any other men here regulalry use skin care products?
Replies: 45
Views: 4375

Re: Do any other men here regulalry use skin care products?

I also use Cetaphil during the winter because my skin gets very dry and itchy. Cetaphil works great --- I use it all winter long. I don't use any skin care products during the summer except sun screen when I'm out in the sun for a few hours.
by david99
Mon Dec 29, 2014 9:16 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 7037

Re: How Much Do You Sacrifice?

You're doing very well for someone your age --- you're saving 18% of your gross and you have an emergency fund. You should just go back to playing golf --- and if one of you gets laid off, then you can cut back on your expenses --- but in the mean time you should enjoy yourself. Besides the gym and ...
by david99
Fri Dec 26, 2014 9:04 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 950
Views: 202514

Re: I think I just got a $5,000 watch for Christmas

Now you can start a new thread about buying a Lamborghini.
by david99
Sun Dec 21, 2014 9:08 am
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 10594

Re: How do you define "being rich"?

This is a subjective question. Ask a person with a net worth of $10,000 and they'll say that someone with a million dollars is rich. Then ask someone with 1MM and they will say that someone with 10MM is rich. Ask the person with 10MM ....
by david99
Sat Dec 20, 2014 1:45 pm
Forum: Personal Consumer Issues
Topic: Major Life Decision -- Do we need to keep working?
Replies: 56
Views: 8116

Re: Major Life Decision -- Do we need to keep working?

It sounds like you would prefer to stay in the US. So I think that I would stay in the US but not retire. Personally, I would not want to retire at 50 with 1.4 MM. You can build your consulting business and your significant other could also find a job --- this way you can continue to let your portfo...
by david99
Sat Dec 06, 2014 11:30 am
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 97
Views: 8999

Re: Where do you shop for groceries?

Costco, Trader Joes, Market Basket
by david99
Tue Dec 02, 2014 9:16 am
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 11852

Re: Favorite nonfiction books

The Double Helix by James Watson. I thought that it was a fascinating read.
Anything by Stephen Jay Gould
Surely You're Joking Mr. Feynman by Richard Feynman
Personal History by Katherine Graham
by david99
Sun Nov 30, 2014 11:05 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1435
Views: 274130

Re: What Movie Have You Recently Watched?

I recently saw The Book Thief. I thought that it was a really good movie --- it was about WWII so it's tragic but still very good.
by david99
Wed Nov 12, 2014 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Real estate as my "million dollar idea"
Replies: 78
Views: 8320

Re: Real estate as my "million dollar idea"

I think that you should try it with one or two houses and see if it's something you like to do. You are obviously mechanically inclined so fixing things shouldn't be a problem for you. The other side of the business is dealing with tenants -- which you may or may not like. I don't think that it's a ...
by david99
Tue Nov 11, 2014 1:01 pm
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 1052

Re: New Fidelity AMEX - with chip

Fidelity Amex sent me a new card but it doesn't appear to have a chip -- it looks like the old card with a new number.
by david99
Thu Oct 16, 2014 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on getting out [of job]
Replies: 37
Views: 5727

Re: Thoughts on getting out [of job]

I think that if you are feeling this much pain on the job you should try to make some changes. I don't think that you should quit just yet, I think that you should try to find a position with your company that has less responsibility and less stress --- possibly it will pay less but at least you can...
by david99
Thu Oct 09, 2014 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 6056

Re: Sixth anniversary of worst week ever for stocks

I tax-loss harvested a couple of funds in Oct. 2008-- I got lucky in that I stayed out for 30 days while stocks were dropping. I rebalanced in December of 2008. I needed to rebalance again in February of 2009 but I didn't because I had just rebalanced in December --- bad idea since stocks were cheap.
by david99
Tue Sep 30, 2014 9:16 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 149
Views: 16169

Re: Oatmeal suggestions

I also get the big ten pound box of Quaker Oats from Costco. I put in oats, cinnamon, ground flax, frozen berries, a little honey in a covered/vented pyrex dish for four and a half minutes in the microwave. Then I just let it cool for ten minutes and eat. I like the idea of using allspice or nutmeg....
by david99
Fri Sep 19, 2014 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Business Opportunity - Thoughts
Replies: 4
Views: 563

Re: Business Opportunity - Thoughts

I think that you answered your own question. It doesn't sound like something that you want to do, but you should get the specifics before you make a decision.
by david99
Wed Sep 17, 2014 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 21
Views: 1810

Re: Real Estate Question

I would sell the property and travel. Also, as Valuethinker said, you can invest the money and get a better return. I would not give the property to a management company. My experience with a property management company is that they get any tenant that they can get their hands on as long as they get...
by david99
Tue Sep 09, 2014 9:01 pm
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 14201

Re: A 'really good book' you did NOT enjoy

I read half of Moby Dick and then I just couldn't take it anymore -- it was just too boring and too long.
by david99
Mon Sep 01, 2014 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 7501

Re: Help out family without compromising my own retirement?

I don't know if anyone has mentioned this ( I didn't read the entire thread), but couldn't your parents qualify for subsidized housing for the elderly? I believe that it takes time to get into an apartment that is subsidized, but once they got an apartment you could move back into your condo and the...
by david99
Sat Aug 30, 2014 10:44 am
Forum: Investing - Theory, News & General
Topic: Can someone make a living as a Boglehead financial advisor?
Replies: 25
Views: 4173

Re: Can someone make a living as a Boglehead financial advis

I guess that the hard part is developing a large enough client base, since you would probably charge .30% or .50% to manage their money. It's too bad, because a Boglehead financial advisor could help people in so many ways --- educating them with behavioral finance issues, insurance, large purchases...
by david99
Sat Aug 30, 2014 9:49 am
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 15205

Re: Costco:is it worth it for just two people?

My girlfriend and I split the membership cost and it's definitely worth it for us. I agree that they have a great selection and they extend their warranties on electronics when you use your American Express card. Try it for one year and see how you like it -- it's not a lot of money to try it for on...
by david99
Fri Aug 29, 2014 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: What to consider while purchasing an existing business?
Replies: 55
Views: 7244

Re: What to consider while purchasing an existing business?

I wouldn't get involved with this women. You are saying that she is crazy, has a gambling problem, and is getting divorced. Who knows what kind of debt she has from her gambling problems --- maybe there is a lien on the business. Start your own business -- it's cheap to start and it sounds like your...
by david99
Sun Aug 24, 2014 8:12 pm
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 12773

Re: Zegna Suits

It seems like you really want to buy this suit and you can afford it so just buy it. It's probably not going to make much of a difference in the long run for someone making your salary.
by david99
Wed Aug 13, 2014 10:41 am
Forum: Personal Consumer Issues
Topic: Amazon Gift Card Fraud
Replies: 30
Views: 3520

Re: Amazon Gift Card Fraud

I usually delete my credit card information after I make a purchase on Amazon for this reason. It's not a big deal to reenter the credit card information when I want to make a purchase.
by david99
Tue Aug 12, 2014 8:53 pm
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 5262

Re: Robin Williams

A great entertainer. Wonderful standup comedy and many great movies. We were so lucky to have him. RIP

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