Search found 238 matches

by gravlax
Tue May 15, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance questions
Replies: 4
Views: 550

Car insurance questions

I did not see much in the wiki and am currently searching the forums, but thought I would ask here as well. Current Situation: - I had liability only with my old car which was a high mileage 1998 - Bought brand new car for $45K - Live in SF Bay Area, CA - Currently insured with Geico - Safe driver, ...
by gravlax
Mon Apr 16, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: What are the decisions that go into buying a home?
Replies: 3
Views: 405

What are the decisions that go into buying a home?

I have often considered whether or not it made sense for me to purchase a primary residence I live in a HCOL area (SF Bay) and am fortunate enough to be happy in my $2000/month rental apartment. I would estimate the market rate for the unit at $3500 to $4000 a month. Single family homes in the area ...
by gravlax
Tue Feb 06, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2255

Re: Visiting SAN FRANCISCO

For hotels, the Hyatt on the Embarcadero is pretty nice for sightseeing. It is in a beautiful area and on the main train lines. But personally, I'd stay at an AirBnb in Cole Valley, Noe Valley, Russian Hill or some other nice neighborhood. SF is small and packed with things to do. A very walkable ci...
by gravlax
Mon Feb 05, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 47024

Re: Flaunt Your High-Mileage Car

I've got a 1998 BMW M3 with around 175K miles on it. That is very high mileage among my friends and neighbors who all have 2010 and above cars, many on lease. I'm finally looking for a new car since mine needs new shock absorbers and I think it is about time. I go on long trips to the mountains quit...
by gravlax
Thu Jan 25, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Travel to Poland, Estonia, Lithuania: is it worth it?
Replies: 29
Views: 2537

Re: Travel to Poland, Estonia, Lithuania: is it worth it?

A few years ago I was planning a trip to Prague and Budapest. During the planning process, several of the people I spoke with said I should visit Poland as well. A couple of weeks later when I was buying the Lonely Planet book for Prague, a guy in line behind be said, "you should visit Krakow while ...
by gravlax
Wed Jan 03, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: E-reader for ebooks - Pros and Cons
Replies: 74
Views: 4186

Re: E-reader for ebooks - Pros and Cons

I picked up a Kindle paperwhite about eight books ago. It is very, very nice. I also purchased this case: https://www.amazon.com/gp/product/B00IN0QKAI/ref=oh_aui_detailpage_o08_s00?ie=UTF8&psc=1 which I also recommend. Like you, I was deciding between the paperwhite and the voyage. I read one of the...
by gravlax
Fri Dec 15, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Two commas, I'm calling it
Replies: 20
Views: 4844

Re: Two commas, I'm calling it

Congrats. The second comma is much tougher to get than the first one.
by gravlax
Mon Dec 11, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Japan in summer
Replies: 25
Views: 1924

Re: Japan in summer

Try to see if you can fly into and out of Haneda airport instead of Narita. Getting from the Narita airport to Tokyo takes about and hour and a half by limousine bus. Not fun after you've flown all the way to Japan!
by gravlax
Fri Oct 13, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 8895

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

My current car is a 1998 that I bought as a CPO in the year 2000. I just put on new tires, replaced the stereo head unit (since it failed). I've got about 175,000 miles on the car. I'm commuting about 75 miles a day now, and will probably get a new car in the late winter or early spring. I doubt I'l...
by gravlax
Thu Sep 21, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 28782

Re: Calling out the not so rich bogleheads

I moved to CA at the age of 33 with a negative net worth and no job. I did have a fresh degree in Computer Science and a sofa to sleep on. Within two months I had a job and an expensive apartment. I had known vaguely about Boglehead principles (but didn't know they were called Boglehead principles),...
by gravlax
Mon Sep 04, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Just got a certified letter from the IRS...
Replies: 4
Views: 1843

Re: Just got a certified letter from the IRS...

Before the IRS can assess additional tax, they have to send you a notice of deficiency (also known as a 90-day letter). If you disagree in whole or in part, you can file a petition to the Tax Court within 90 days. If you file a petition to the Tax Court, the IRS can't assess the additional tax unti...
by gravlax
Mon Sep 04, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Just got a certified letter from the IRS...
Replies: 4
Views: 1843

Just got a certified letter from the IRS...

Ugh. I'm not a tax expert by any means, and have been doing my own taxes for the last several years using Turbotax. This seems to have worked out rather well, since my tax situation is not overly complex: - Single, no kids - Rent and do not own real estate - W2 employee who seldom changes jobs - IRA...
by gravlax
Tue Sep 13, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: No health insurance - please help.
Replies: 24
Views: 2777

Re: No health insurance - please help.

Okay, but you still say you made payments. How? Was your checking account debited, or not? Yes, it was. My checking account was debited twice when I manually made payments for the first two months. ($516 each month) I could continue payments that way or send in the coupons and a paper check. No met...
by gravlax
Tue Sep 13, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: No health insurance - please help.
Replies: 24
Views: 2777

Re: No health insurance - please help.

cadreamer2015 wrote:Both times I was on COBRA insurance from previous employers there was a payment book with coupons to send in. Did you get the payment book with coupons and ignore them?
I didn't ignore them intentionally, at least. There is a chance I received them and discarded them thinking it was junk mail.
by gravlax
Tue Sep 13, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: No health insurance - please help.
Replies: 24
Views: 2777

Re: No health insurance - please help.

This is not COBRA coverage your ex-employer provided, is that right? A whole different insurer? Not sure what you mean by you "paid" online after registering your account. Why would anyone pay a "fee" to purchase health insurance? What exactly was the fee for? If money was indeed debited from your ...
by gravlax
Tue Sep 13, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: No health insurance - please help.
Replies: 24
Views: 2777

No health insurance - please help.

Hello all. I was laid off from my job in June. In addition to a small severance, my health,dental, and vision insurance was allowed to continue with a company called Payflex for a cost of $500/month. I signed up, paid the fee and set up my account on their website. Some time went buy, I logged into ...
by gravlax
Fri Jul 29, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 9788

Re: Interview in Silicon Valley - Suit?

Unless you're interviewing for an executive position of a very senior sales position, I wouldn't even consider a suit in Silicon Valley. I've worked there for various clients for 15 years, and rarely see a suit. And I've been on quite a few interview boards and would say that wearing one on an inter...
by gravlax
Thu Mar 17, 2016 12:19 am
Forum: Personal Finance (Not Investing)
Topic: So, about health insurance...
Replies: 18
Views: 2659

Re: So, about health insurance...

Lots of great information here that would have taken me quite a while to find elsewhere. Thank you, Bogleheads.
by gravlax
Wed Mar 16, 2016 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: So, about health insurance...
Replies: 18
Views: 2659

So, about health insurance...

I am about to be given a small severance package from my employer, after which I am considering taking some time off, or perhaps only working part time. I am 50 years old and single with no kids. I rent and live in a HCOL area (SF Bay Area), but am managing to keep my expenses low, while living a li...
by gravlax
Wed Jan 27, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 58
Views: 7164

Re: Should I leave Ameriprise?

I only needed to read the title of your post to give my answer of "YES!".

I dropped them long ago and have been very happy with my decision. And just so you know, I did take the time to read the rest of your post.
by gravlax
Fri Dec 11, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: 10 Best Guitar Finger Style Tunes
Replies: 19
Views: 2341

Re: 10 Best Guitar Finger Style Tunes

I'd personally say that Martin Taylor is the best finger style guitarist out there. And what a great name for a guitarist. :) As for ten best tunes to learn, that is tough. Here are some that I think are interesting: 1) The Rain Song by Led Zeppelin - easily arranged for standard tuning and sounds g...
by gravlax
Thu Dec 10, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 16697

Re: BMW current and past owners -- how was the reliability and would you buy another?

ThankYouJack, what make and model are you considering? I think it makes a big difference. For example, the newer 328i models are very reliable. They sell a lot and have perfected this design. The high end models, like the new M6 for example, have lots that can go wrong and are built out of high end ...
by gravlax
Thu Dec 10, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: BMW current and past owners -- how was the reliability and would you buy another?
Replies: 89
Views: 16697

Re: BMW current and past owners -- how was the reliability and would you buy another?

I'm considering buying a used high mileage BMW but don't want to be a huge money pit. It's fine if it's more expensive than a Civic but I don't want things breaking left and right. If you've owned a (or multiple BMWs), how was the reliability? What did you own, how old was it and would you buy anot...
by gravlax
Mon Nov 23, 2015 6:00 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 157
Views: 33245

Re: When saving money becomes an irrational obsession

toto238 wrote:I think we see more than one of these here on BH. Like the person that has pensions and SS covering 100% of their yearly expenses AND has a 7-figure portfolio to boot and is worried if they can retire.
I wish this quote was about me.
by gravlax
Wed Oct 28, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Recommendations on places to stay in or around Yosemite
Replies: 10
Views: 1286

Re: Recommendations on places to stay in or around Yosemite

Looks like goingup may have misread your post and commented on Yellowstone and not Yosemite. The Evergreen Lodge is my top recommendation if rooms are available. This is located just outside the West entrance to Yosemite and six miles north. About a 20 minute drive to the Yosemite gate, 1.5 hour dri...
by gravlax
Tue Oct 20, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Hotel Loyalty clubs
Replies: 16
Views: 2219

Hotel Loyalty clubs

I'm going to start doing regular business travel to major US cities, and therefore would like to start accumulating points with one of the major hotel chains. I'm aware of Hyatt and Mariott - are there any others I should consider? Also, if anyone is a member of either of these chains, please let me...
by gravlax
Tue Jun 23, 2015 12:30 pm
Forum: Investing - Theory, News & General
Topic: What was the 2008 crash like in real time?
Replies: 220
Views: 37312

Re: What was the 2008 crash like in real time?

A funny thing - I was a newly minted Boglehead, having completed reading The Four Pillars of Investing and having recently moved my savings from Ameriprise to Vanguard. I was rereading the Four Pillars, and one of the chapters covers market crashes and pretty much said to stay the course. Add I was ...
by gravlax
Fri Jun 19, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3861

Re: San Francisco advice

SF weather is the opposite of everywhere else it seems. We usually get our worst weather in the summer! This can mean fog and windy, chilly days, so be prepared. There can be nice, warm days mixed in. If you leave the city and drive North, East, or South you will encounter much nicer weather. Do NOT...
by gravlax
Fri Jun 05, 2015 11:22 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 44706

Re: much ado about coasting (through life)

Fred Beckey is 92 years old and still climbing. He has made hundreds of first ascents all over the world, never had a professional career, worked whatever jobs would allow him the most time for climbing, and still can be seen in remote parts of the North Cascades, muttering to himself while his you...
by gravlax
Thu May 21, 2015 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 195209

Re: Share your networth progression

Current salary is $135K
I am 49 years old

October 2008: $81k
October 2009: $174k
October 2010: $220k
October 2011: $266k
October 2012: $329k
October 2013: $430k
October 2014: $561k

May 2015: $645k
by gravlax
Thu May 21, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 44706

Re: much ado about coasting (through life)

Great thread with many worthwhile contributions. I'm a single 49 year old who is having similar feelings as the OP. I'm making more money than I ever have in a successful tech career, but am feeling burnt out. My work is not longer challenging or interesting. I grew up in a somewhat poor neighborhoo...
by gravlax
Fri May 15, 2015 1:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Mr. Bogle
Replies: 40
Views: 5206

Re: Happy Birthday Mr. Bogle

Happy Birthday Jack! Thanks for saving me from the financial wolves!
by gravlax
Mon Apr 27, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: IRA contribution limits for 2015
Replies: 3
Views: 555

IRA contribution limits for 2015

I know that the IRA contribution limit for 2015 is $6500 for those 50 years of age or older.

If I turn 50 in September of this year, can I contribute $6500 to my IRA now? or do I have to wait until after my 50th birthday?

thanks in advance
by gravlax
Thu Jan 01, 2015 10:40 pm
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 19138

Re: [Annual POLL] What was your 2014 return?

Is "I have no idea" a bad answer?
by gravlax
Tue Nov 18, 2014 9:13 pm
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 18568

Re: how to make money like a billionaire

“I am more concerned with the return of my money than the return on my money.” Will Rogers (11/4/1879)
by gravlax
Tue Nov 11, 2014 1:14 pm
Forum: Personal Consumer Issues
Topic: Puerto Rico
Replies: 21
Views: 3801

Re: Puerto Rico

I've never been to Puerto Rico, but am going for the first time in February with some friends that have been there before. All the reading I have done says not to miss the island of Culebra, especially if you like beaches. Supposed to be some of the best in the world. We're going mostly for scuba, a...
by gravlax
Wed Oct 15, 2014 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What is common for a severance package?
Replies: 25
Views: 2754

Re: What is common for a severance package?

I've heard of a week's pay per year as being common, for example seven weeks of pay for your wife.
by gravlax
Mon Jun 16, 2014 2:09 pm
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 32
Views: 3273

Re: chicken marinade recipes

Hello all, Today I am Mr. Mom. My wife is at work and I just put my daughter down for a nap, so now I've got a little time to kill. After the horrendous midwestern winter we just endured, I have plans to be outside and grill out as much as possible. For those who like to do the same, what sort of m...
by gravlax
Tue May 13, 2014 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 195209

Re: Share your networth progression

I became a sort of a Boglehead for the first time in 2006 with a net worth of just about zero. Started saving, and then got taken by a fast talking Ameriprise investment advisor, and put all of my saving in high expense funds that were recommended. Rediscovered Bogleheadism (for real this time), and...
by gravlax
Wed May 07, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Job Hopping? Work History Enclosed.
Replies: 60
Views: 6182

Re: Job Hopping? Work History Enclosed.

Would potential employers be wary of my work history? Would there be concerns or hesitation regarding "job hopping"? I intended on staying with Employer 3 for the long run but external forces are at play. I work as a salaried, full-time employee in the defense/tech industry. I am in my late 20s. An...
by gravlax
Wed Apr 09, 2014 2:25 pm
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 7144

Re: Favorite Investing Book?

I'd probably go with the Four Pillars, although it may just be because that was one of my earlier reads and it was all still new to me.

I also enjoyed the Richest Man in Babylon and Your Money or Your Life quite a bit.
by gravlax
Wed Mar 05, 2014 5:06 pm
Forum: Investing - Theory, News & General
Topic: Investing in real estate
Replies: 23
Views: 1818

Re: Investing in real estate

Thanks for the comments, everyone. This is just the sort of discussion I had hoped my post would elicit.

I'm reading and researching based on the information provided above.
by gravlax
Tue Mar 04, 2014 8:48 pm
Forum: Investing - Theory, News & General
Topic: Investing in real estate
Replies: 23
Views: 1818

Investing in real estate

I'm considering the pros and cons of buying a house for portfolio diversification. This is just a thought experiment for me at this point, but I am turning the idea over in my head and would like to hear from more knowledgeable posters on this forum. (That means you!) Current situation: 46 years old...
by gravlax
Tue Jan 07, 2014 1:43 pm
Forum: Investing - Theory, News & General
Topic: Surprises in 2014
Replies: 51
Views: 6027

Re: Surprises in 2014

Dow 36,000
by gravlax
Sun Nov 03, 2013 5:01 pm
Forum: Personal Consumer Issues
Topic: winter wool jacket
Replies: 22
Views: 4038

Re: winter wool jacket

I got an icebreakers jacket, which is really nice, but was rather expensive.

Here in San Francisco, the Uniqlo brand has been getting quite popular. I'm not sure about the quality, but the prices seem pretty darn reasonable:

http://www.uniqlo.com/us/home
by gravlax
Wed Sep 25, 2013 2:15 pm
Forum: Personal Consumer Issues
Topic: .....
Replies: 40
Views: 5659

Re: Easy-to-use MP3 Player for Senior

Got my mom (a senior) a Kindle Fire since she reads so many books.

Well, she stopped reading books, and is now playing solitaire, doing crosswords, and playing words with friend with everyone and their brother. And I still can't beat her at Fruit Ninja!
by gravlax
Fri Jul 19, 2013 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did your net worth reach $1 million?
Replies: 57
Views: 12632

Re: At what age did you reach $1 million dollars in cash?

Hardly anyone has $1 million in cash.

Maybe change it to $1 million in investable assets.
by gravlax
Mon Jul 08, 2013 5:09 pm
Forum: Personal Consumer Issues
Topic: Can anyone suggest any good travel forums?
Replies: 20
Views: 3065

Can anyone suggest any good travel forums?

I've got a bit of wanderlust (and some vacation time!) and am planning on doing some travel soon, but still int he planning stages. I've tried Google for "travel forum" but I keep finding advertisements or not very active forums. I'd love to find a community like bogleheads.org, but for those who li...