Search found 693 matches

by expat
Wed Dec 07, 2016 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement with $8M in investments
Replies: 151
Views: 15168

Re: Retirement with $8M in investments

I have a NW of over 30mm (9mm real estate and 21mm stocks/bonds/cash) and no debt. I'm 51 years old and I would like to retire but I am not yet confident in doing it.


What?
by expat
Thu Dec 01, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 6958

Re: Pay off mortgage?

Lots of people say to pay off the mortgage without giving a good financial reason.
by expat
Tue Nov 22, 2016 11:18 pm
Forum: Personal Consumer Issues
Topic: Owning a Chromebook
Replies: 77
Views: 8457

Re: Owning a Chromebook

Unlike a Windows machine, a Chromebook starts up immediately, is fast, maintenance free and just works. It is hassle free.
by expat
Sun Nov 20, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Mom has Office 2013, now wants Outlook
Replies: 12
Views: 1110

Re: Mom has Office 2013, now wants Outlook

Google docs is so much easier.
by expat
Fri Nov 11, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 11115

Re: Anybody regretting holding on to your REITS?

No, but the 80% or so drop in 2008 was worrisome.
by expat
Sun Nov 06, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 5996

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

poker27 wrote: As a entry/mid level manager I've never quite understood how a boss could be so horrible in a corporate environment.


Really? I can easily.
by expat
Sun Nov 06, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 5996

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

Crimsontide wrote:
expat wrote:Assuming you have cash reserves, quit your job and enjoy your youth and freedom while you still have it.


Do not do this... you just need a break to clear your head. I repeat, do not do this...


Too late. I already did this and lived to tell the tale. No regrets.
by expat
Thu Nov 03, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 5996

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

Assuming you have cash reserves, quit your job and enjoy your youth and freedom while you still have it.
by expat
Tue Oct 25, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 6295

Re: Declining Service Expectations. Are there any excellent companies still out there?

In Europe, the service worker is King and the customer is a nuisance to be dispensed with as quickly as possible.
by expat
Mon Oct 24, 2016 1:17 am
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 4866

Re: Microsoft Office

I haven't used MS office in years. I use Google docs instead.
by expat
Mon Oct 17, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Money lessons for a 3 year old
Replies: 46
Views: 2893

Re: Money lessons for a 3 year old

way too young.
by expat
Sun Oct 09, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Percent back from landscaping investment
Replies: 19
Views: 2301

Re: Percent back from landscaping investment

Landscaping did not count as an improvement when refinancing.
by expat
Thu Oct 06, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: The 3 D's: Debt, Dave, Depression (mild)
Replies: 45
Views: 4262

Re: The 3 D's: Debt, Dave, Depression (mild)

Dave Ramsey got overextended to the point where he considered suicide for the life insurance money.


I read the bio on his web site and his personal story is not clear at all Hasn't he heard about bankruptcy laws??
by expat
Wed Oct 05, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: The 3 D's: Debt, Dave, Depression (mild)
Replies: 45
Views: 4262

Re: The 3 D's: Debt, Dave, Depression (mild)

I still don't get Dave Ramsey or the appeal of his radio show or his obsession with staying out of all debt. Obviously, credit card debt is bad but other types of debt can be a good idea. I assume his show is for people who have overspent using credit cards.
by expat
Wed Oct 05, 2016 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: What's going on with REITS this week?
Replies: 26
Views: 4087

Re: What's going on with REITS this week?

No clue. Time to buy more.
by expat
Thu Sep 29, 2016 1:37 am
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 5037

Re: Has anyone been tempted to buy AMZN?

You bought AMZN when you bought VTSMX.

And AMZN is currently sixth largest holding in VTSMX.

https://personal.vanguard.com/us/funds/ ... =INT#tab=2
by expat
Sat Sep 24, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17252

Re: Net Worth Milestone Today - $1.5M

It's not a gain until you sell.
by expat
Wed Sep 14, 2016 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What details about personal finance do you share with your kids?
Replies: 20
Views: 1663

Re: What details about personal finance do you share with your kids?

I don't think money should be a mystery to children. So I decided to answer their questions. If parents won't teach them, who will?
by expat
Sun Sep 11, 2016 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help disputing a medical bill
Replies: 5
Views: 915

Re: Help disputing a medical bill

No bill, no payment. What's the worst the could happen?
by expat
Thu Sep 08, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Water turned off in building-urgent! [Problem Resolved]
Replies: 39
Views: 2320

Re: Water turned off in building-urgent!

Move into a hotel and deduct the cost from the next month's rent.
by expat
Tue Aug 30, 2016 12:02 pm
Forum: Investing - Theory, News & General
Topic: Rich Dad/Poor Dad Assets
Replies: 57
Views: 6542

Re: Rich Dad/Poor Dad Assets

John T. Reed : Don't buy Kiyosaki's books. Buy my books instead! :oops:
by expat
Thu Aug 18, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 42918

Re: Self-made Millionaires: how did hitting 7 figures change you?

It's not net worth but how much income is produced. Let's say 1 million produces 40K in annual income. That is nothing in a high cost of living area.
by expat
Wed Aug 17, 2016 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help. My boss is expecting me to read her mind.
Replies: 53
Views: 3797

Re: Help. My boss is expecting me to read her mind.

If in doubt, I would put the full name followed by the acronym.

And use a site like this to see how many meanings there were for an acronym - http://www.acronymfinder.com/
by expat
Wed Aug 17, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help - How to deposit a check without endorsement?
Replies: 37
Views: 3700

Re: Help - How to deposit a check without endorsement?

I deposit unendorsed checks into other people's accounts (family, friends, vendors, etc) all the time. Walk up to the counter with the account name and number, they'll use a stamp to endorse the back, and that's it. Might be easiest to have the checks sent to someone in the states that is will to d...
by expat
Wed Aug 17, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: Why are bonds taxed more than stocks?
Replies: 29
Views: 3695

Re: Why are bonds taxed more than stocks?

Municipal bonds are not taxed more than stocks.
by expat
Mon Aug 15, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 42918

Re: Self-made Millionaires: how did hitting 7 figures change you?

If it's in the stock market, it is only a paper gain anyway. :happy
by expat
Fri Jul 29, 2016 11:12 pm
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 3873

Re: Stock Screeners

I don't screen any stocks but if I did.

https://www.google.com/finance/stockscreener
by expat
Fri Jul 29, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 6205

Re: Interview in Silicon Valley - Suit?

What is the culture of the company? In general, no suits for a technical position. It may disqualify you even.
by expat
Wed Jul 27, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 3904

Re: 20% In REITS?

FWIW. my ISP says I should be at 16 percent but I am actually at 17 percent.
by expat
Sun Jul 10, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: How Does Vanguard "Remember" My Computer?
Replies: 41
Views: 3295

Re: How Does Vanguard "Remember" My Computer?

Try unchecking this option

Continue running background apps when Google Chrome is closed

Under Settings | Advanced | System section.
by expat
Mon Jul 04, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a million dollar house?
Replies: 85
Views: 9051

Re: Can I afford a million dollar house?

There is no reason why a single young person should buy a house unless they want to be tied down to a neighborhood for the next 7-10 years. This is a horrible decision. Rent and save money. Reevaluate when you are married and have a child on the way. Why is it you want to own a house so badly? What...
by expat
Wed Jun 29, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: How best to take little kids sightseeing?
Replies: 37
Views: 2554

Re: How best to take little kids sightseeing?

>> How best to take little kids sightseeing?

Forget sightseeing. I would reorient your trip towards kid activities - swimming, playgrounds, amusement parks, zoos.

For example, for Vienna, I would go here.
http://www.praterwien.com/en/home/
by expat
Tue Jun 28, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: For those that "buy" during stock market downturns...
Replies: 158
Views: 11015

Re: For those that "buy" during stock market downturns...

After investing 20 percent of gross income and after spending, there is some cash left over that accumulates. I use that to buy.
by expat
Sat Jun 25, 2016 3:41 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 12362

Re: What did you learn from the post-Brexit bloodbath?

I learned that people get worked up very easily.
by expat
Fri Jun 24, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Total International] ETF currently down 7.09% - Time to sell?
Replies: 39
Views: 4357

Re: VXUS time to sell?

Buy a stock, if it goes up, sell it, if it goes down, don't buy it.

--Yogi Berra
by expat
Sat Jun 11, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area
Replies: 27
Views: 1345

Re: Had entire lawn sodded, now some animal is creating holes...Philly Burbs Area

You will lose the battle of the lawn. Just accept it, forget about it, and move on.
by expat
Wed Jun 08, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Book suggestion, please- Grieving Process - Loss of a loved one
Replies: 22
Views: 1902

Re: Book suggestion, please- Grieving Process - Loss of a loved one

The Orphaned Adult: Understanding And Coping With Grief And Change After The Death Of Our Parents
Alexander Levy

http://www.amazon.com/Orphaned-Adult-Un ... 0738203610
by expat
Mon Jun 06, 2016 7:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: D Day 72 years ago...
Replies: 48
Views: 3991

Re: D Day 72 years ago...

letsgobobby wrote:and marched all the way to Berlin.


The American army never made it to Berlin, by choice, at least not during the war. They stopped at the Elbe river but that's close enough.
by expat
Thu Jun 02, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: 22 days Eurail Global Pass for Scenic Rail Journeys in Europe
Replies: 35
Views: 2750

Re: 22 days Eurail Global Pass for Scenic Rail Journeys in Europe

I would skip the Eurail Pass and just buy train tickets as you need them.
by expat
Mon May 30, 2016 9:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 7
Views: 897

Re: Memorial Day

Memorial day is for soldiers who didn't make it back not veterans.
by expat
Mon May 30, 2016 6:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Thank you to all of our Veterans
Replies: 14
Views: 1262

Re: Thank you to all of our Veterans

Veterans day isn't until November 11.
by expat
Mon May 30, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when you have an estranged spouse
Replies: 274
Views: 17146

Re: Investing when you have an estranged spouse

shakenbake wrote:Ah yes he never records anything anywhere. No check book. And he gives the tax preparer his W2 I have never seen that.


Do you have access to your tax returnS? If not, you can request them from the IRS.

https://www.irs.gov/uac/newsroom/how-to ... tax-return
by expat
Sun May 29, 2016 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Investing when you have an estranged spouse
Replies: 274
Views: 17146

Re: Investing when you have an estranged spouse

shakenbake wrote:I am safe. He does not hit me. He calls me names and is a bully yes says condescending things.


You don't sound safe. It's still verbal, emotional,and economic abuse.
by expat
Thu May 26, 2016 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is Real Estate Market going crazy again?
Replies: 101
Views: 11023

Re: Is Real Estate Market going crazy again?

Yes.

Wells Fargo launches 3% down payment mortgage

http://www.cnbc.com/2016/05/26/wells-fa ... tgage.html

What could go wrong?
by expat
Mon May 23, 2016 12:32 am
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 8229

Re: Is living in the Bay Area this difficult?

The Bay Area is overrated.

In general we love living in the Bay!


Sounds cold and wet. I personally prefer to live on shore
by expat
Fri May 20, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving real estate to kids
Replies: 20
Views: 1897

Re: Leaving real estate to kids

The best way to leave real estate to your kids is cash.

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