Search found 1241 matches

by hoops777
Wed Nov 30, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 4166

Re: Relocating from NY to CA for a job offer

So he either lives close to work and pays a ridiculous price or commutes and lives in probably a nicer family area,in a larger home for less money.Welcome to the Bay.
by hoops777
Tue Nov 29, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 25
Views: 2184

Re: Landlord for first time - tips and things to know?

If you screen your tenants well and then treat them the way you would want to be treated,it should go well.Emphasis on should......I cannot even begin to tell you the things I have seen in rental properties that I do business with.Like everything else it comes down to the quality and character of wh...
by hoops777
Tue Nov 29, 2016 9:05 pm
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 48
Views: 3745

Re: Gift To Self

Livesoft I never pictured you as being so sentimental :happy I lost a really nice engraved Calif state championship ring my players had made for me way back when that meant a lot to me..I bought a cheap imitation that was not even close to the original with a Groupon.Just does not feel the void like...
by hoops777
Tue Nov 29, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 4166

Re: Relocating from NY to CA for a job offer

Adptnt if you decide to move take a look at Pleasanton.Great city,tree lined streets,parks and a great, quaint downtown.The Livermore wine country is 10 minutes away if you are in to that.Good schools,BART trains to San Francisco.A decent commute time and your family is removed from Silicon Valley.Y...
by hoops777
Mon Nov 28, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit card for a large one-time expense?
Replies: 50
Views: 4397

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

I second gloomydogs idea if you each can qualify and use the cards wisely.
by hoops777
Mon Nov 28, 2016 12:52 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 150
Views: 17103

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

I said it was a nice card,I have just never seen so much unbridled enthusiasm over a cc in bogleheads land.It is a very good deal with the 100,000 point bonus and if you use it wisely it is a great addition to anyone's cc arsenal.CC strategy has become a competition.
by hoops777
Sun Nov 27, 2016 9:56 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 150
Views: 17103

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

Just saw a $300 credit on my statement for rental car and airport parking.It is a nice card but it will not change your life :happy I like the primary auto insurance on a car rental but the downside is you have to pay for the car rental and cannot use points.So...what is more important a free car re...
by hoops777
Sun Nov 27, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 4166

Re: Relocating from NY to CA for a job offer

Walnut Creek is too far and too much traffic
by hoops777
Sun Nov 27, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 4166

Re: Relocating from NY to CA for a job offer

Pleasanton is about 45 minute to an hour commute and is one of the nicest cities in Nor Cal,next to Dublin.There is a 3 br townhouse 1725 sq ft for sale today that you could get for about 800K,asking 830 but overpriced.Very nice community surrounding a nice park.Walking distance to all schools and a...
by hoops777
Sun Nov 27, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 894
Views: 101105

Re: What's Your Credit Card Rewards Strategy?

My strategy is based on free travel.Free flights,hotels and rental car.Recently added the chase sapphire reserve and like the primary insurance option.The problem is you have to pay for the car rental with it so it is not free using points.To pay or not to pay :D
by hoops777
Sat Nov 26, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 380
Views: 86992

Re: Share your net worth progression

Age 42 net worth 5000 Age 64 enough to retire financially worry free. Started a very small business. Made very little in the stock market. Almost entire net worth based on the old fashioned way...earning your money working :happy I lost about 300K in 2008 pre boglehead with panic selling.Even though...
by hoops777
Sat Nov 26, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20561

Re: What is your favorite consumer product?

iPad Pro Tempurpedic mattress Rider flip flops Lightweight down jacket 70 inch tv Prius Costco 5 lb frozen blueberries bought at business center,not regular Costco for 10 bucks give or take Dreyers slow churned reduced sugar and fat ice cream Costco canned wild sockeye salmon Alaska.....cannot find ...
by hoops777
Thu Nov 24, 2016 1:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard account summary
Replies: 0
Views: 317

Vanguard account summary

I noticed Vanguard does not compute the reinvested interest in their bond funds in the column that shows gain or loss.Am I missing something?It seems that they take your per share price when buying and per share price currently and do not add in the reinvested interest so it currently shows a loss.I...
by hoops777
Sun Nov 20, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14426

Re: Monthly grocery costs? How do you keep it low?

I was referring to truly organic produce if you can find it.The main point about diet was not organic food but real food vs processed junk and drinks.Anyway I apologize for taking the thread off course.
by hoops777
Sat Nov 19, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14426

Re: Monthly grocery costs? How do you keep it low?

Limited science?I do not need a 50 page research paper to explain why a pesticide free apple is better to consume than a donut and a Pepsi.
by hoops777
Sat Nov 19, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14426

Re: Monthly grocery costs? How do you keep it low?

Stoptothink.....you are right.I guess what bothers me the most is when I see the parents buying the junk food for their kids and the cycle just continues.I have a 2 1/2 year old grandson who we were babysitting almost full time for most of his life,but just 2 days a week now.We were providing most o...
by hoops777
Sat Nov 19, 2016 1:59 am
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14426

Re: Monthly grocery costs? How do you keep it low?

I understand the issues and the points being made.I also understand there is difference of opinion about different types of food. I was just a little annoyed when I heard multi millionaires buying food like they live on a minimum wage salary.Not a big deal.Whatever floats your boat.Hey Warren Buffet...
by hoops777
Fri Nov 18, 2016 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14426

Re: Monthly grocery costs? How do you keep it low?

Is there anything more important than the food we eat?Personally the last thing I would cut myself or my family short on is food and the quality of the food.If you are struggling to survive financially,you do what you have to.I have been there so that I understand. What I do not understand is someon...
by hoops777
Fri Nov 18, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14426

Re: Monthly grocery costs? How do you keep it low?

Eating cheaply has nothing to do with living a long life.Maybe they spent less because they did not buy much processed foods and ate healthy.
by hoops777
Fri Nov 18, 2016 3:26 am
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 14426

Re: Monthly grocery costs? How do you keep it low?

This has been a really fascinating topic.It takes common sense,research and a little time to develop a food plan that suits you or your family.Once put into action it is fairly simple to buy healthy foods at a reasonable cost. One thing I do not understand is why people who have no money worries,and...
by hoops777
Mon Nov 07, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 104
Views: 9805

Re: Which state to move for milder weather

Sounds like you need to fly into Southern Calif and go on a road trip.
by hoops777
Mon Nov 07, 2016 12:29 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 10079

Re: Slipping last few days- time to buy now or wait until after 11/8?

For someone to predict this election will have no effect on the market and that there will be many other events more volatile,is no different than someone trying to time the market.You do not know either way.It is an opinion. This is not a normal election and nobody knows what might happen in its af...
by hoops777
Sun Nov 06, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 104
Views: 9805

Re: Which state to move for milder weather

It is a personal preference of course,but I have lived in the Bay Area my entire life,with the exception of a few years in AZ in which I still went back and forth to Calif. The first time I visited Florida was was about 20 years ago.I got off the plane at about 8 p.m. and experienced real humidity f...
by hoops777
Sat Nov 05, 2016 10:52 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 10079

Re: Slipping last few days- time to buy now or wait until after 11/8?

I always get a kick out of all the pronouncements about just put it all in now it doesn't matter.You are not allowed to look at world conditions and the economy and have an opinion.We are all lemmings.To hold off investing it all for a few days because we have the craziest election in our history al...
by hoops777
Sat Nov 05, 2016 3:39 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 10079

Re: Slipping last few days- time to buy now or wait until after 11/8?

I am waiting because if the market moves a significant amount,it will be down and not up.I know this because I know :D
by hoops777
Sat Nov 05, 2016 3:23 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 104
Views: 9805

Re: Which state to move for milder weather

The best weather in the country is in California,period,and the cost of living has a huge range depending on location. Hawaii is great if you like it hot all year and hcol. Arizona has the very hot summer but has arguably the best weather the other 8 months. The central coast of Calif has great weat...
by hoops777
Fri Nov 04, 2016 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Kaiser Senior Advantage for Medicare
Replies: 34
Views: 2517

Re: Anyone use Kaiser Senior Advantage for Medicare

I will start Medicare in a couple of months and currently have Kaiser.I have been going back and forth between original Medicare and Kaiser solely to be able to go to Stanford or UCSF if a major surgery became necessary at some future time. I started checking the Kaiser surgeons throughout the Bay A...
by hoops777
Fri Nov 04, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Sole Proprietor or S Corp?
Replies: 12
Views: 831

Re: Sole Proprietor or S Corp?

Just what we need...people paying less into SS
by hoops777
Wed Nov 02, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 8500

Re: How much home can/should one buy?

To answer the original question,one should buy the home that works best for one's family overall.You do the math, weigh the risks and enjoy your lives.It is not that difficult to figure out when you know your expenses.You do not need a CPA or a financial advisor,just common sense.I cannot believe ho...
by hoops777
Wed Nov 02, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: How much home can/should one buy?
Replies: 144
Views: 8500

Re: How much home can/should one buy?

Buying a house is more than just looking at a spreadsheet.Schools,parks,location regarding commutes,etc.I am not saying to go nuts on the price,but sometimes you need to stretch a bit within reason.A house to most people is not just a structure to sleep in.
by hoops777
Wed Nov 02, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: AT&T bond
Replies: 8
Views: 1092

Re: AT&T bond

Ok I will pass on the AT@T.Thanks again for the comments.
by hoops777
Tue Nov 01, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: AT&T bond
Replies: 8
Views: 1092

Re: AT&T bond

Thanks for the thoughtful replies.Just looking for something that pays more than 2 pct and would think AT&T isn't going anywhere,but never say never.Most of my holdings are in Vanguard bond funds,cd's and i bonds along with a with a couple Microsoft and Wells Fargo bonds that mature in about 10 ...
by hoops777
Mon Oct 31, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: AT&T bond
Replies: 8
Views: 1092

AT&T bond

Anyone think an AT&T corp bond 2034 maturity paying 4.55 is a good buy in an IRA?It is almost at 100 for price and is not callable if I remember.I was looking at a bunch and need to go back.
by hoops777
Sat Oct 29, 2016 7:31 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 6435

Re: Instant oatmeal vs "regular" oatmeal

Cook a batch of steel cut oatmeal that will last a few days.At night,mix it with Greek yogurt,frozen blueberries,walnuts,cinnamon and raisins.Cover and put it in the fridge over night.When you wake up take it out and uncover it while you are getting ready.If you like the cold oatmeal it is about as ...
by hoops777
Sat Oct 29, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: retirement readiness = residual living expenses + funding the gap?
Replies: 56
Views: 6196

Re: retirement readiness = residual living expenses + funding the gap?

This is no help,but retiring at 55 leaves one open to so many unexpected situations there is no magic formula, except to figure what you think you need and add a whole lot more.Or have enough money to NOT have to be trying to figure this out.Maybe I look at it differently,but there is no way I would...
by hoops777
Tue Oct 25, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: I am about to buy my first home, anything I should look out for?
Replies: 40
Views: 3340

Re: I am about to buy my first home, anything I should look out for?

Most people on a basic home purchase do not have attorneys going back and forth.You sound like someone who will be very unhappy if it does not all turn out perfectly.Be prepared for a few things down the road not being perfect because it rarely is. I had the guy who purchased my house call me 7 year...
by hoops777
Tue Oct 25, 2016 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dental 'Discount Plans' for uninsured
Replies: 22
Views: 1716

Re: Dental 'Discount Plans' for uninsured

I use Careington and according to the research I did a few years ago it was better than Delta Dental Insurance.
by hoops777
Tue Oct 25, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 894
Views: 101105

Re: What's Your Credit Card Rewards Strategy?

What is a 3 pct checking account
by hoops777
Mon Oct 24, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Anyone have dish network hopper 3
Replies: 3
Views: 530

Re: Anyone have dish network hopper 3

Thanks.Is the picture quality as good as DIRECTV?
by hoops777
Sun Oct 23, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 10895

Re: How many have moved from California due to Cost of Living?

But Calif is soooo much better than anywhere else :D I have lived in the Bay Area my entire life except for my 3 year Az. adventure,but even then I was commuting back to Ca.for my business a week at a time. Other than not having 4 seasons,horrible traffic,high cost of living,potential earthquakes an...
by hoops777
Sun Oct 23, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: Anyone have dish network hopper 3
Replies: 3
Views: 530

Re: Anyone have dish network hopper 3

Wow....someone must have the hopper 3?Record a ridiculous 16 channels at one time,skip all commercials and the sling box ability.
by hoops777
Sun Oct 23, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 10895

Re: How many have moved from California due to Cost of Living?

The last post is very true.
There is quite a difference between living in the nicer areas of the Bay Area and 50 miles outside of It.
by hoops777
Sun Oct 23, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: How many have moved from California due to Cost of Living?
Replies: 108
Views: 10895

Re: How many have moved from California due to Cost of Living?

We did and we moved back after 3 years in the Phoenix area.It is really personal preference if you can afford it.There is no place equal to the Bay Area in terms of the combination of things to do and great weather.With that being said the question is are you willing to pay for it?
by hoops777
Sat Oct 22, 2016 9:41 pm
Forum: Personal Consumer Issues
Topic: Anyone have dish network hopper 3
Replies: 3
Views: 530

Anyone have dish network hopper 3

Thinking of switching from directv to Dish and their hopper 3.I am wondering about the picture quality mostly because that seems to always be an issue with Dish.Thanks.
by hoops777
Fri Oct 21, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11595

Re: Chase Sapphire Reserve

I have never seen such enthusiasm for a card.I got a letter from them saying my credit was frozen and to unfreeze equifax.I called equifax and they lifted the freeze for Chase only,using a pin.I immediately called Chase and gave them the pin and my card arrived in the mail 2 days later.Pretty impres...
by hoops777
Mon Oct 17, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Does it financially make sense to pursue an additional degree?
Replies: 10
Views: 1063

Re: Does it financially make sense to pursue an additional degree?

I believe you know what the answer is.You should know the payoff and you know the time and effort required.I bet your wife has an opinion :D
by hoops777
Sun Oct 16, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 6389

Re: Vitamix Worth It?

You get what you pay for.I have had mine since 1999.The Ninja is not as good,but like everything else depends on what you use it for and how often.
by hoops777
Wed Oct 12, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 894
Views: 101105

Re: What's Your Credit Card Rewards Strategy?

Just received the Chase Sapphire Reserve.It completes my card strategy.I think it is worth the 450 annual fee which is actually 150 because of the 300 travel credit.The benefits are outstanding along with the 100,000 point bonus.I like that it is primary insurance for rental cars along with the othe...
by hoops777
Sun Oct 09, 2016 3:14 pm
Forum: Investing - Theory, News & General
Topic: How To Retire Comfortably With Just $500,000
Replies: 44
Views: 9274

Re: How To Retire Comfortably With Just $500,000

Are there any stats that show the pct of retirees with 500K and a paid off house?

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