Search found 291 matches

by davidsorensen32
Fri Feb 23, 2018 12:06 am
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 19
Views: 1815

Re: $20,000 question - Galapagos or Serengeti safari ?

This one is $4500 per night !!!! :oops: My $20K vacation just became a $60k vacation. Lifestyle inflation at its peak. Need to work for 1 year just to afford this vacation. But THANKS! this does look truly upscale. Maybe someday. Per everyone's recommendation we are definitely leaning towards Sereng...
by davidsorensen32
Thu Feb 22, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 19
Views: 1815

Re: $20,000 question - Galapagos or Serengeti safari ?

Wow, those are some solid suggestions. Please keep them coming.
by davidsorensen32
Wed Feb 21, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 19
Views: 1815

Re: $20,000 question - Galapagos or Serengeti safari ?

When did you go ? I've done both and while the Galapagos are cool, we did a Kenya / Tanzania safari and it was the trip of a lifetime. As part of the Galapagos trip we also did Peru including Machu Picchu which to me was equally as impressive as Galapagos so I would encourage you to include it as pa...
by davidsorensen32
Wed Feb 21, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: $20,000 question - Galapagos or Serengeti safari ?
Replies: 19
Views: 1815

$20,000 question - Galapagos or Serengeti safari ?

Bogleheads, need your expert opinions - family wants to go see wild animals in 2019. Family gets what family wants. Both trips roughly cost out to be the same all in for our family size. Did research on the top tours available at both places - not seeking luxury - but more utilitarian and value for ...
by davidsorensen32
Wed Feb 21, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 17
Views: 1708

Re: How am I really doing for retirement savings?

Keep going. Maximize all pre tax and tax deferred savings each year. Once you lose it, its gone forever. We're looking at our budgets carefully right now. With two growing kids, we're finding that our budget is tighter today than it was a few years ago, when we had 1 little kid, which then felt tigh...
by davidsorensen32
Wed Feb 21, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some help and fast (buying vs renting, net worth)
Replies: 52
Views: 3102

Re: Looking for some help and fast (buying vs renting, net worth)

True. He may also value jumping off a 1,000 ft cliff or go skinny diving with great white sharks. Scratch FI, make those priorities then. Goal should be FI, not house ownership. It is very presumptuous for anyone to tell the OP what his/her goals should be. He may value home ownership more than FI.
by davidsorensen32
Wed Feb 21, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 24
Views: 2108

Re: Seeing Yellowstone National Park

Like this --> https://i.imgur.com/ikx1yUX.jpg ... or get that dream photograph - the reflection of a rising or setting sun in a buffalo's eye (catchment light ?) You mean sort of like this? https://i.imgur.com/PxqRUPH.jpg That's part of a larger photo which cannot be posted due to size. https://i.im...
by davidsorensen32
Wed Feb 21, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2379

Re: frustrated with patek philippe poor service

I had very similar experience as you. At the end I sold the watch and donated the proceeds to charity. Solved 2 problems at once and I feel so much more happier than when I had the PP. What would you do? I have a vintage gold patek with very strong sentimental value, given to me. It works alright (a...
by davidsorensen32
Tue Feb 20, 2018 7:52 pm
Forum: Investing - Theory, News & General
Topic: Anyone using Optum Bank for HSA?
Replies: 29
Views: 3986

Re: Anyone using Optum Bank for HSA?

Absolutely horrible customer service. I cannot invest my contributions into VG funds !!!!! I've been dialing them for 3 weeks in a row. Every time I have to explain for 45 minutes and they say they open a case and to come back within 2-3 business days which I do and lo and behold nothing has changed...
by davidsorensen32
Tue Feb 20, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 49
Views: 5421

Re: Staying Motivated: How do you ward off hopelessness?

If you're in a state where its legal, then I highly highly recommend marijuana. Its fantastic. Bogleheads....A question for this group. How do you deal with 'flagging motivation', or a sense that your financial goal is insurmountable, and cannot be achieved? Or dealing with the feeling that no matte...
by davidsorensen32
Mon Feb 19, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10672

Re: What has been your most important skill in achieving financial independence?

Staying the course. Single most important thing you can do.

Now in order to stay the course you need to do a few things

* Be employed
* Have enough liquidity for multi-year unemployment (especially as you age)
* Prioritize FI
* Stay healthy
* Don't get divorced
* Don't panic.
by davidsorensen32
Mon Feb 19, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 92
Views: 8733

Re: Bogleheads with $100K+ MSRP cars?

Hummer H2. $78,000 for the car and $22,900 per year in gasoline costs. 8 MPG and have a 80 mile round trip to work + trips with the family
by davidsorensen32
Mon Feb 19, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Looking for some help and fast (buying vs renting, net worth)
Replies: 52
Views: 3102

Re: Looking for some help and fast (buying vs renting, net worth)

I second KF. Goal should be FI, not house ownership. Try to move to a rent-controlled apartment if you're worried about housing costs. What equity? How much do you lose by not investing the down payment? How much do you lose by mortgage interest? Klangfool So are you against homeownership? Or do you...
by davidsorensen32
Mon Feb 19, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: I think we can swing this! ($1M retirement home)
Replies: 27
Views: 3278

Re: I think we can swing this! ($1M retirement home)

Go for it ! YOLO We are downsizing in a HCOL area. We have found a home that fits us perfectly that I think we can afford and wanted a sanity check. DH: 66 yo (Retired) DW: 72 yo (Retired) Home Particulars New Home Price: $1.1M Current Home Net Equity Out: ~$400K Down Payment: $700K (cash out of tax...
by davidsorensen32
Mon Feb 19, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 435
Views: 34396

Re: What frugal thing did you do today?

WASTED 3 HOURS at Costco optical and saved $200. Absolutely horrendous customer service - nice but completely ignorant service girl who knew nothing about how to deal with insurance reimbursements. And nothing about which lens would be supported with which frames. No guidance either. We ended up tri...
by davidsorensen32
Mon Feb 19, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13871

Re: What is the best home exercise equipment?

Brand new kit. I don't understand all the metrics (sorry my bad, haven't yet gone through their website) - but here are screenshots of my performance. 30 minutes each. What does each of them mean ? How am I doing ? Day 1 https://i.imgur.com/iwxvEKB.jpg Day 5 https://i.imgur.com/JRsmLsf.jpg I bought ...
by davidsorensen32
Mon Feb 19, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 24
Views: 2108

Re: Seeing Yellowstone National Park

Naah. I did all of those things and regretted it. The opportunity cost was too high. Spending a day of my precious few days in OF meant 1 less day to explore nature. I go to NP to see nature not history. If I want to learn the history of YNP, I'll just watch it on one of the channels or pick up a bo...
by davidsorensen32
Mon Feb 19, 2018 1:37 am
Forum: Personal Consumer Issues
Topic: Seeing Yellowstone National Park
Replies: 24
Views: 2108

Re: Seeing Yellowstone National Park

* Book your lodging inside the park . This will hugely determine you park experience. There is no substitute for it. If you can’t get availability then book now for next year. If you reside outside of the park then you’ll be driving needlessly for hours just to get inside the prime zone like Lamar v...
by davidsorensen32
Tue Jan 23, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8811

Re: Working in the real world

Miamivice, in general, as a rule, people have more money than they show. It’s very very very (x1000000000) common to find husband + wife teams earning 250K x 2 = 500k in tech (new tech not old tech). At least in the SF Bay Area. Getting back to the point of the OP, the wages that folks claim on here...
by davidsorensen32
Tue Jan 23, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13871

Re: What is the best home exercise equipment?

I bought a concept 2 ! I’ve been using it but even at the highest resistance I find it too easy. After 30 min of rowing I barely break sweat even though I get a somewhat pump in my arms. Anyone knows how to stiffen up the resistance ?

jibantik wrote:
Thu Jan 18, 2018 10:06 am
Concept 2 rower (erg). Unbeatable single-equipment workout.
by davidsorensen32
Tue Jan 23, 2018 12:30 pm
Forum: Investing - Theory, News & General
Topic: "The Pain of Discipline or the Pain of Regret?"
Replies: 33
Views: 3506

Re: "The Pain of Discipline or the Pain of Regret?"

Great post !! Sometimes I wonder if these people are living on a different planet. 2008-09, 2011, and 15-16 weren't that emotionally stressful. Sometimes I wonder if people on this forum are living on a different planet. I graduated university in December 2008. I had to take a job working in a call ...
by davidsorensen32
Mon Jan 08, 2018 11:58 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8972

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

THANK YOU FOR FNALLY ADDRESSING ALEX. These type of bragging posts serve only 1 purpose - TO SHOW OFF. They are EXTREMELY ANNOYING and greatly dilute the quality of the forum. Lots of us are struggling through hand to mouth existence and these people have no shame showing of their millions. I would ...
by davidsorensen32
Wed Dec 27, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 6293

Re: How do Bogleheads save on eyeglasses?

Costco for best pricing + use my company perk $250 in Limited FSA (LFSA) for taking a biometric test. Comes to $0 FREE eyewear
by davidsorensen32
Wed Dec 27, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 12114

Re: European Cities that don't interest you

Absolutely nailed it. Crowds kill the fun. Completely. I wonder why these places don’t impose some sort of control .I would happily pay more to enjoy places with less crowds We increasingly just want to stay home, fortunately we love where we live, or go to places with as few tourists as possible. L...
by davidsorensen32
Wed Dec 27, 2017 12:51 am
Forum: Personal Finance (Not Investing)
Topic: EU Passport For Cheap College and Other Benefits
Replies: 52
Views: 3578

Re: EU Passport For Cheap College and Other Benefits

Be very careful of these things. While private companies will hire any "warm body" that makes them money - doesn't matter where they graduate from - in prestigious professions like Medicine and Law and reputed PhD programs there are severe unofficial/unspoken "caps" on non-US degrees. Free tuition m...
by davidsorensen32
Tue Dec 26, 2017 9:41 pm
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 8650

Re: 1st, your education. Then...Location, Location, Location

I’ve found that “you’re overeducated” mostly means 1. you’re expensive. We’re looking for cheap labor 2. you’re too old. We’re looking for young guys (who will be cheap ) 3. You’re more capable than I am and I don’t want to hire my competition If somebody tells you that you are overeducated for the ...
by davidsorensen32
Wed Dec 20, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23929

Re: 2nd million is easier!

Very similar experience here. 2000-2010 was definitely the "dog years". Then the last 8 years happened. Stay the course guys. OP here. I have really enjoyed all of the comments. I spent my earlier years of investing, esp. 2000-2010, seeing practically no appreciation of my investments (probably a ne...
by davidsorensen32
Mon Dec 18, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23929

Re: 2nd million is easier!

Here’s to $2M —> $3M :sharebeer . Come back and post once you hit $3M I realize this post might be perceived as a humblebrag so please accept my apologies in advance. Financial milestones are not something I can really celebrate/share with family or friends. I am 51 years old and it took me until ag...
by davidsorensen32
Mon Dec 11, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1803

Re: Japan in summer

I do detest humid heat
crazygrow wrote:
Mon Dec 11, 2017 10:16 pm
Japan is an amazing country to visit. Yes, it has its temperature extremes, but if this is your chance to go, I wouldn't let it deter me unless you absolutely detest hot weather/humidity...
by davidsorensen32
Mon Dec 11, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1803

Re: Japan in summer

You’re “toast” (pun intended).
SrGrumpy wrote:
Mon Dec 11, 2017 10:11 pm
tigermilk wrote:
Mon Dec 11, 2017 9:29 pm
We definitely plan to be there for the 2020 Summer Olympics.
It's my plan, too. 24 July to 9 August ... oh dear.
by davidsorensen32
Mon Dec 11, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 29
Views: 2761

Re: Call the Top!

+100000000. The more things change, the more they remain the same ... Geez I can't believe I'm starting to sound like this veterans of this board.
runner3081 wrote:
Thu Dec 07, 2017 10:03 pm
There is no top. It will go up, it will go down, it will go up and then down again.
by davidsorensen32
Mon Dec 11, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 11709

Re: 2018 financial goals - what are yours?

Just one goal - Find gainful employment. Is it too early for New Years resolutions? Well I totaled all of our 2017 and compared to our goals and so of course I had to make next year's goals. Any I should change? And anyone make 2018 financial goals yet? 2 income household, 0 children, late 20s 2017 ...
by davidsorensen32
Mon Dec 11, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1803

Re: Japan in summer

Sounds like a terrible idea because of bad hot/humid weather. We're freezing this idea for now. Will warm it up later. Thanks for your advice !
by davidsorensen32
Mon Dec 11, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1803

Japan in summer

All, planning for a family summer vacation in Japan. Here is our tentative itinerary

*Tokyo - 4 nights
* Kyoto - 4 nights
* TBD (Osaka? / Buddhist monastery/ Hiroshima? Fuji ?) - 4 nights

Planning to get the japan rail pass soon.

Any tips/recommendations will be greatly appreciated.
by davidsorensen32
Sun Dec 10, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2232

Re: December 22 - Jan 1 vacation

We gave up. There are no deals to be had. We're just going to stay back and invite friends over. Now that’s an awesome suggestion! Thank you A 10 year old might love the sights and environment of Washington D.C., all the government museums, and being in places he's heard/seen about on TV. Probably n...
by davidsorensen32
Sun Dec 10, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 17339

Re: Save all this money, what do you splurge on?

KF, which bike did you buy ? I'm in the market for a bike myself.
KlangFool wrote:
Sat Dec 09, 2017 11:20 am
OP,

I spent $1,700 on an electric folding bike. That extends my biking distance.

KlangFool
by davidsorensen32
Thu Nov 30, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 5770

Re: 2018 Goals - Financial or Otherwise

Which aerospace company / location of USA are you in ? San Francisco Bay Area. Looking for employment in high tech. I’ve done engineering, pre sales , product, marketing etc. - both extensive customer facing and inbound . Had a great career in “old tech”. Just need a break to prove myself in “new te...
by davidsorensen32
Thu Nov 30, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3323

Re: Going from 100% U.S stocks to 30% international?

Have you ever been to Japan ? Because the US is not Japan. In fact they are poles apart !! I have the opposite problem. When I constructed my IPS and portfolio about 10 years ago, I was heavily influenced by David Swensen and held 15% of Developed International + 5% Emerging over the last decade. Re...
by davidsorensen32
Thu Nov 30, 2017 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell some of my Berkshire stock
Replies: 34
Views: 3749

Re: Should I sell some of my Berkshire stock

I wouldn't sell. Read Buffet's annual letters. I believe Berkshire's intrinsic value is far greater than its market value. Almost all outcomes I can think about after Buffett passes away is favorable to the stock. Unless you need liquidity, I'd hold on to it forever. Your heirs will get a step up ba...
by davidsorensen32
Thu Nov 30, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3323

Re: Going from 100% U.S stocks to 30% international?

As warren buffet says - “never bet against the usa”. My money is on Uncle Sam. Good luck ! I have the opposite problem. When I constructed my IPS and portfolio about 10 years ago, I was heavily influenced by David Swensen and held 15% of Developed International + 5% Emerging over the last decade. Re...
by davidsorensen32
Thu Nov 30, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3323

Re: Going from 100% U.S stocks to 30% international?

Because the US is not Japan. In fact they are poles apart !! I have the opposite problem. When I constructed my IPS and portfolio about 10 years ago, I was heavily influenced by David Swensen and held 15% of Developed International + 5% Emerging over the last decade. Returns have been poor until thi...
by davidsorensen32
Wed Nov 29, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3323

Re: Going from 100% U.S stocks to 30% international?

I don't disagree. But I'm rewriting my IPS of 10 years based on what I've experienced. In my new IPS, Intl+EM will be equal to 0. In the mean time I’ve travelled extensively for work globally and my outlook has soured significantly. Lots of investors in ex-US companies not only travel extensively, b...
by davidsorensen32
Wed Nov 29, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3323

Re: Going from 100% U.S stocks to 30% international?

Because the denominator of all those metrics you suspect are highly suspect. I don't believe the earnings/book value of Company X (substitute X for most International companies) are of the same quality as a company incorporated in the US. Its not only about earnings, its also about quality of earnin...
by davidsorensen32
Wed Nov 29, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3323

Re: Going from 100% U.S stocks to 30% international?

I have the opposite problem. When I constructed my IPS and portfolio about 10 years ago, I was heavily influenced by David Swensen and held 15% of Developed International + 5% Emerging over the last decade. Returns have been poor until this year. In the mean time I’ve travelled extensively for work ...
by davidsorensen32
Wed Nov 29, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 5770

Re: 2018 Goals - Financial or Otherwise

San Francisco Bay Area. Looking for employment in high tech. I’ve done engineering, pre sales , product, marketing etc. - both extensive customer facing and inbound . Had a great career in “old tech”. Just need a break to prove myself in “new tech”. Haven’t had any luck so far. Any and all help will...
by davidsorensen32
Mon Nov 27, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 5770

Re: 2018 Goals - Financial or Otherwise

I have just one goal - finding gainful employment. I used to have a long list for new years resolution when I had a job. How times change.
by davidsorensen32
Wed Nov 22, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: best SUV
Replies: 30
Views: 2980

Re: best SUV

https://www.lincoln.com/luxury-suvs/navigator/
ROCKS !!
HerbRight wrote:
Tue Nov 21, 2017 11:33 pm
What is the best SUV for families, and 7 places (not minivans) i.e pathfinder, pilot, etc... should I wait for the new Subaru ASCENT???
by davidsorensen32
Wed Nov 22, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2232

Re: December 22 - Jan 1 vacation

Now that’s an awesome suggestion! Thank you
123 wrote:
Wed Nov 22, 2017 6:13 pm
A 10 year old might love the sights and environment of Washington D.C., all the government museums, and being in places he's heard/seen about on TV. Probably no crowding or lines around the time you want to go. The weather, not so hot.
by davidsorensen32
Wed Nov 22, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2232

Re: December 22 - Jan 1 vacation

Thanks. I’m checking. Hello Bogleheads, desperately searching for vacation destination that won't break the bank. Someplace that would be engaging and interesting for a 10 year old. Preferably with good weather - i.e. ideally in the Southern Hemisphere at this time of the year. Costa Rica is one pla...
by davidsorensen32
Wed Nov 22, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2232

Re: December 22 - Jan 1 vacation

I share your concerns. Hotels and flights are exorbitantly priced or unavailable altogether.
Gill wrote:
Wed Nov 22, 2017 5:06 pm
Do you really think you'll be able to obtain air and hotel reservations? There is no busier time of the year and flights and hotels are often full months in advance.
Gill