Search found 203 matches

by davidsorensen32
Mon Jan 09, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 15396

Re: Best Financial Moves You've Made

* Moving REITs to tax sheltered accounts * Getting Chase cards with those lucrative points * Opening HSAs * Never financing any cars * 529s * Dumping a whole bunch of expensive Fidelity + Dodge & Cox funds for Vanguard * Not buying a home in the ridiculously overpriced Bay Area * Buying Berkshir...
by davidsorensen32
Wed Dec 28, 2016 1:40 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 50
Views: 4526

France or Switzerland

Folks, we're debating whether to visit France during next summer. Terrorism is of course the big worry given the recent spate of unfortunate incidents. DW is worried that we'd be caught in it or be affected somehow. Hence Switzerland is the fall back option. Anyone have any perspective to share ?
by davidsorensen32
Sun Dec 25, 2016 2:06 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15208

Re: Retiring in a Decade after Graduation

Marry well. That's all that is required.
by davidsorensen32
Thu Dec 15, 2016 2:08 am
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4509

Re: If and how to bring up inappropriate conduct of former boss?

Document everything. Document as much evidence as you can. Then talk to the best attorney you can afford and show him the evidence. You need professional legal advice. For 4 years I reported to a director in my mega-corp who over that time acted unprofessionally and also on several occasions made de...
by davidsorensen32
Sun Dec 11, 2016 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need help to find a direction to invest $800k plus $900k
Replies: 24
Views: 2125

Re: Need help to find a direction to invest $800k plus $900k

Invest in the 3 fund portfolio. Search on this forum, there are plenty of posts. Its a no-brainer. Invest first and thank us later. I followed the BG maxims and am very thankful I did.

HenrysPlan2 wrote:Anyone please?
by davidsorensen32
Sat Dec 10, 2016 1:36 am
Forum: Personal Consumer Issues
Topic: travel to Istanbul
Replies: 42
Views: 2876

Re: travel to Istanbul

Avoid by all means. It's not safe

sabhen wrote:I plan to travel to Istanbul in late December for 8 days. Any recommendations and tips for things to do, to see, what to avoid etc... thanks
by davidsorensen32
Sat Dec 10, 2016 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in a Decade after Graduation
Replies: 131
Views: 15208

Re: Retiring in a Decade after Graduation

OP, I have just 2 words for you - "marry well". Now, if you're really smart you'll marry the kid of a really old & really sick but stinking rich BH with a living trust so that you don't have to be a BH yourself :beer As soon as the BH dies your spouse will inherit gazillion $$$$ and yo...
by davidsorensen32
Fri Dec 09, 2016 10:14 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 91
Views: 4490

Re: Where do you buy coffee beans?

Really ? Look again. There is no roast date on the red keurig packages. +1 The peets holiday blend (red carton) from Costco Peets beans from the Costco. About half the price of buying the same beans from Peets, and they work well for hot and iced coffee. FWIW, the Peet's coffee in grocery stores (in...
by davidsorensen32
Fri Dec 09, 2016 10:11 pm
Forum: Personal Consumer Issues
Topic: Which country in Africa to visit?
Replies: 63
Views: 3441

Re: Which country in Africa to visit?

Three cheers for kirstenboch. Just one nit - the whole park has like zero trash cans. I had to carry my trash for the whole day. Cape Town and the National Botanical Garden, Kirstenbosch. It's a personal thing, but when traveling prefer to visit world class botanical gardens. Been to London several ...
by davidsorensen32
Fri Dec 09, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: What Can One Do To Decrease Dividend Taxes?
Replies: 27
Views: 3026

Re: What Can One Do To Decrease Dividend Taxes?

This is my strategy :sharebeer Put muni bond funds in your taxable accounts and dividend-paying stocks in tax-advantaged. The OP is in California, which makes this a particularly good strategy, as CA muni bonds are exempt from CA as well as federal tax. My preferred muni strategy, if all your bonds ...
by davidsorensen32
Fri Dec 09, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 8697

Re: HSA - is keeping 40 years of medical records practical?

Totally makes sense. Click a pic of receipts using your smartphone and store it in the cloud. If I'm in my mid-20s and have an HSA, should I: ⋅ start withdrawing from my HSA now to reimburse myself for medical costs as I incur them ⋅ invest, let it grow, and withdraw at 65yo for ...
by davidsorensen32
Fri Dec 09, 2016 9:47 pm
Forum: Investing - Theory, News & General
Topic: Trading
Replies: 2
Views: 219

Re: Trading

Invest, don't trade. Unless you are insider, then trade, and joy your loot, but prepared to become homies with a certain Bernie maddoff Hello I was just wondering what peoples thoughts are on the above regarding whether it is possible. I invest and index. I did not want to post on a trading forum be...
by davidsorensen32
Fri Dec 09, 2016 9:44 pm
Forum: Investing - Theory, News & General
Topic: Does it make sense to wait for a dip to buy VTSAX?
Replies: 18
Views: 1873

Re: Does it make sense to wait for a dip to buy VTSAX?

Just buy it.

radnor wrote:VTSAX is appreciating day-by-day. Should I wait until the value drops again somewhat before buying?
by davidsorensen32
Fri Dec 09, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in Europe or South America - Feb 18-25??
Replies: 9
Views: 630

Re: Vacation ideas in Europe or South America - Feb 18-25??

When in South America please say hello to Mr. Zika An up and coming place my wife and I would recommend is Cartagena, Columbia. Last year there were nonstop flights from Miami and Altanta, among other US gateways to South America. It is a beautiful walled city (going back to 1533) that is tropical i...
by davidsorensen32
Fri Dec 09, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Which country in Africa to visit?
Replies: 63
Views: 3441

Re: Which country in Africa to visit?

+1 for Cape Town, but avoid Johannesburg at all costs - gritty, crime, dirty. The Western Cape is very good. Top it up with a safari at Kruger and you'll have memories to remember. Don't forget to shark dive while in Cape Town. Really depends on your secondary goals... other than setting foot in Afr...
by davidsorensen32
Fri Dec 09, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Which country in Africa to visit?
Replies: 63
Views: 3441

Re: Which country in Africa to visit?

Avoid Egypt. I found Egypt to be quite chaotic. After I collected my luggage at the airport I found that my suitcase was cut open and some belongings were stolen . Cabs are a nightmare because of language issues. Service at even some of the best hotels and restaurants are sub standard. Traffic is a ...
by davidsorensen32
Fri Dec 09, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 91
Views: 4490

Re: Where do you buy coffee beans?

+1 The peets holiday blend (red carton) from Costco

badger42 wrote:Peets beans from the Costco. About half the price of buying the same beans from Peets, and they work well for hot and iced coffee.
by davidsorensen32
Thu Dec 08, 2016 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Chase Sapphire Reserve Card
Replies: 19
Views: 2091

Re: Question about Chase Sapphire Reserve Card

Don't be so sure. I got the +$300 and the +$100 refund and the -$450 charge all this month even though my first statement won't be issued until mid Jan

masteraleph wrote:Pretty sure that the $300 back is by calendar year that the statement cuts, so the first one if you applied now would be January 2017.
by davidsorensen32
Tue Dec 06, 2016 11:55 pm
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 6705

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

I'd fly business. Flying long flights with toddlers is one scenario where spending the money is totally worth it. I've done 16 hour flights but would have gone crazy but for the super nice service, space and quiet biz class. Less people mean less germs for your 25lb-er too We're going to Spain in Ma...
by davidsorensen32
Tue Dec 06, 2016 11:46 pm
Forum: Personal Consumer Issues
Topic: Where to purchase tea
Replies: 13
Views: 1332

Re: Where to purchase tea

If you're not worried about radioactive contamination try http://www.o-cha.com I know this has been discussed before, but I've searched and can't find the threads. I'm looking for recommendations on where to buy tea online. I currently drink sleepy time tea every evening, and am looking for somethin...
by davidsorensen32
Tue Dec 06, 2016 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 18965

Re: Retirement: Where $200K Will Last 30 Years

Zika, don't forget mighty Zika. A single tiny mosquito bite will destroy everything. Your $200,000 might last 30 years but you won't.
by davidsorensen32
Mon Dec 05, 2016 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about chase 5/24 rule
Replies: 15
Views: 1691

Re: Confused about chase 5/24 rule

Walk into any chase branch and have them apply for the card you want. You'll get it. Don't worry about 5/24 too much. Hello, I am not sure whether should I apply for a new chase card as not sure about the 5/24 rule. Below are my existing chase cards Chase Freedom (I am primary and wife is secondary)...
by davidsorensen32
Wed Nov 30, 2016 9:40 pm
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 46
Views: 4546

Re: What is a "standard" Small Cap tilt portfolio

Mine is:

44/13/9
5/10/5
4/4/2

What do guys think ? Time to push it over and tilt on SCV ?
by davidsorensen32
Wed Nov 30, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating New Car Purchase
Replies: 34
Views: 3977

Re: Negotiating New Car Purchase

Ask for the FG (forward gross) and BG (backward gross). These are the margins the dealer is making. Push them to negative margins and you've won. The more negative the better. Stick to the bogleheads approach to negotiating : play dealers OFF against each other. Refuse to show up at the showroom unt...
by davidsorensen32
Wed Nov 30, 2016 8:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 5238

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

We need a points system that we can redeem for further discounts of our ERs.
by davidsorensen32
Tue Nov 29, 2016 1:10 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9015

Re: Honda Cars

Bad luck or bad car ? I don't know. I'm never touching another Honda (nor Acura) again with a 100 foot barge pole. Wow David, that's a long string of bad luck. I've had Honda for decades and I virtually never visit the dealer unless it's for a safety recall. Just change my own oil, brakes pads, filt...
by davidsorensen32
Sun Nov 27, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9015

Re: Honda Cars

OP, I've had horrible experience with Honda. Early 2000s Honda Accord < 175,000 miles , I take excellent care of my car at Honda dealer. * failed starter - when I was 100miles from home on a long weekend with no garage open in a 50 mile radius causing me to cough up extra $$$ to get it towed miss wo...
by davidsorensen32
Fri Nov 25, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating New Car Purchase
Replies: 34
Views: 3977

Re: Negotiating New Car Purchase

What's. Good starting price ? 50% of truecar value ? Would that be too extreme ?

mhalley wrote:You might start at true car.
by davidsorensen32
Fri Nov 25, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 5265

Re: Which Credit card for a large one-time expense?

Anyone bought a car priced $35,000+ on credit card ? Specifically the CSP or CSR ? Does anyone see any issues ?
by davidsorensen32
Fri Nov 25, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9015

Re: Honda Turkey

Thanks ! Dumb question: what's a ridiculous enough price without being too ridiculous (i.e. I risk not being taken seriously) ? Say would it be too ridiculous to ask for $25,000 discount (50%) on a $50,000 (truecar.com value) car ? Is this too aggressive and will it backfire (i.e. I get laughed out ...
by davidsorensen32
Thu Nov 24, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Honda Cars
Replies: 96
Views: 9015

Honda Turkey

Anyone have any tips on how to get Honda deals on Black Friday ? I browsed online but can't find any deals being offered anywhere.
by davidsorensen32
Tue Nov 22, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Viewing BRK.B as a Means to Hold "Tax-Deferred" Equity in Taxable Account
Replies: 23
Views: 2251

Re: Viewing BRK.B as a Means to Hold "Tax-Deferred" Equity in Taxable Account

I've had Berkshire for 15+ years now. Its been awesome with 0 expense ratio and 0 tax drag. I highly recommend it. I did some Googling on the merits of holding BRK.B as an individual stock, and something I came across was the idea that BRK.B could be used as a means of having equity in a taxable acc...
by davidsorensen32
Tue Nov 22, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Fly/Drive to Yellowstone
Replies: 21
Views: 2063

Re: Fly/Drive to Yellowstone

Book accommodations first. The lodges are awesome especially Roosevelt but fill up 1 year in advance . We stayed in all 4 lodges . If I had to do it again, I'd avoid Old Faithful Inn - it's loud , busy and touristy. Fly into Jackson and drive through Grand Teton. Simple. Considering a fly/rent a car...
by davidsorensen32
Tue Nov 22, 2016 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 416
Views: 97891

Re: Share your net worth progression

Very interesting ! Since 2010, our portfolio growth are almost identical - about $200,000 per year each year. I haven't looked closer but I roughly attribute half to savings and half to investment return. Would you mind sharing your AA ? Year Net Worth 2004: $215,000 - got married, I'd been working ...
by davidsorensen32
Fri Nov 18, 2016 12:24 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 25195

Re: Chase Sapphire Reserve: Too good to be (completely) true

Guys, I applied for the card but was rejected due to "too many cards open in the last 2 years" clause. What recourse do I have if any to get the card ?
by davidsorensen32
Thu Oct 13, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Who is a true Boglehead?!
Replies: 38
Views: 2668

Re: Who is a true Boglehead?!

These are the characteristics of a true boglehead: viewtopic.php?f=11&t=194246
by davidsorensen32
Sat Jul 23, 2016 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 26229

Re: Where were you financially when you were at 30?

It was ages ago before I discovered this forum: On the financial side: Portfolio consisted of high expense fidelity + dodge and cox funds, 100% equities, REIT in taxable, I was actively trading in stocks - essentially doing everything wrong. On personal front: helped out extended family to get rid o...
by davidsorensen32
Thu Jul 07, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 112
Views: 12846

Re: Am I a little crazy to be thinking this way?

2) When your asset reaches a certain size, the annual growth is much much bigger than your annual savings. At that point, it won't matter anymore. You could spend the whole paycheck and it won't matter. That day will come. KlangFool Careful. This depends on your paycheck. To replace a $300,000 payc...
by davidsorensen32
Thu Jul 07, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: DODGX - sell or keep [Dodge & Cox Stock Fund]
Replies: 23
Views: 2183

Re: DODGX - sell or keep [Dodge & Cox Stock Fund]

That was my thinking too. And I paid dearly for it. If you want large cap value buy Buffett's Berkshire Hathaway. If I had bought Berkshire instead of DODGX over my holding period I would have been richer by a sum in the six figures. :oops: :oops: :oops: :oops: Learn from my mistake. Dodge & Cox...
by davidsorensen32
Thu Jul 07, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 112
Views: 12846

Re: Am I a little crazy to be thinking this way?

This is not realistic. From where OP is in life expenses increase much faster than investment returns. At 10% expense increase over 20 years, OP will be spending $200,000 per year after 20 years. Your calculation projects savings of $2.1M in the best case which is only 10x of annual expenses. OP has...
by davidsorensen32
Thu Jul 07, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 112
Views: 12846

Re: Am I a little crazy to be thinking this way?

2) When your asset reaches a certain size, the annual growth is much much bigger than your annual savings. At that point, it won't matter anymore. You could spend the whole paycheck and it won't matter. That day will come. KlangFool Careful. This depends on your paycheck. To replace a $300,000 payc...
by davidsorensen32
Thu Jul 07, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: DODGX - sell or keep [Dodge & Cox Stock Fund]
Replies: 23
Views: 2183

Re: DODGX - sell or keep [Dodge & Cox Stock Fund]

VSMPX: Vanguard Total Stock Mkt Idx Instl Pls (VSMPX), ER = 0.02% I recently dumped 100% my Dodge and Cox holdings after suffering from their poor performance for 15+ years. Very happy since I moved to Vanguard. Ever since Harry Hagey retired, Dodge and Cox has been a poor fund. Harry was their alph...
by davidsorensen32
Thu Jul 07, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: DODGX - sell or keep [Dodge & Cox Stock Fund]
Replies: 23
Views: 2183

Re: DODGX - sell or keep [Dodge & Cox Stock Fund]

I recently dumped 100% my Dodge and Cox holdings after suffering from their poor performance for 15+ years. Very happy since I moved to Vanguard. Ever since Harry Hagey retired, Dodge and Cox has been a poor fund. Harry was their alpha man. These days Vanguard is a slam dunk over Dodge and Cox. Also...
by davidsorensen32
Tue Jul 05, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: Any suggestions for Las Vegas Shows
Replies: 25
Views: 1550

Re: Any suggestions for Las Vegas Shows

"O" at Bellagio. Beats everything else by a mile. 2-3 hours of superb world class design, choreography, athletics and the sheer joy of creativity ! Get the closest to the stage you can but avoid the wet zone. The best money you can spend. :sharebeer
by davidsorensen32
Sun Jul 03, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: BORA BORA help, pointers, saving some $$$
Replies: 4
Views: 771

BORA BORA help, pointers, saving some $$$

Bogleheads, We're planning a vacation to Bora Bora next year summer but the costs are forcing us to have second thoughts : https://www.costcotravel.com/Vacation-Packages/Tahiti/Bora-Bora thats ~$4,000 per person ! For a family of 4 = $16,000 any suggestions or guide books to better plan the vacation...
by davidsorensen32
Sat Jul 02, 2016 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 112
Views: 12846

Re: Am I a little crazy to be thinking this way?

Housing ? Kids ? College ? Cars ? Lifestyle creep ? And retiring outside of US is definitely the exception not the norm for a vast majority of the population. I don't think this is a realistic plan unless OP starts saving a lot more. KlangFool, at 45, OP will have $3M assuming following growth : 7% ...
by davidsorensen32
Sat Jul 02, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 3389

Re: What is the best home exercise equipment?

I started with Insanity but with age its getting harder and harder - especially the last 4 workouts are a killer Get P90X and some hand weights. Done. Agree 100%. My wife and I love this program. The only home equipment we have is a joist mounted pull-up bar and some Bowflex selecttech weights.
by davidsorensen32
Sat Jul 02, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 112
Views: 12846

Re: Am I a little crazy to be thinking this way?

How much did he retire with at 49 ? ...so that I can too one day be living off maybe not 100k in dividends but maybe 50K in ~20 or so years. I know time is on my side, and compounding interest can do wonders. Then, once I get to that point, I can spend time doing a ton of other things that I would l...
by davidsorensen32
Sat Jul 02, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Am I a little crazy to be thinking this way?
Replies: 112
Views: 12846

Re: Am I a little crazy to be thinking this way?

KlangFool, at 45, OP will have $3M assuming following growth : 7% of invested capital and 4% of savings each year. Assume start with $280,000 investment and $30,000 saved. $3M in 20 years is like $1.5M today adjusting for 4% inflation - while respectable, but hardly enough to retire on. OP is target...
by davidsorensen32
Fri Jul 01, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 40
Views: 3389

Re: What is the best home exercise equipment?

:beer Must be the best original and authentic response I've read in a long time ! Thanks daveydoo. Clearly shows your love of working out ! Makes me want to workout right away ! Treadmill. Hands down the single piece of equipment most likely to be used year after year. Rowers must be among the lowes...

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