Search found 1175 matches

by hoops777
Sun Sep 25, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Re: Best way to play the points in Marriott-Starwood merger

Marriotts program is already pretty bad in terms of points needed and it is hard to believe they could devalue it significantly from here,unless they want to just end it.I am choosing to be optimistic and believe they are not stupid enough to drive away their members. Of course a cynic would say the...
by hoops777
Sun Sep 25, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Re: Best way to play the points in Marriott-Starwood merger

Thanks EnjoyIt.We are using the points now.I cannot remember the last time we paid for a hotel and most of our flights are points.I am still working and have a few more years to add to the total through my business expenses. I may be wrong,but I think the airlines are a bit more ruthless than the ho...
by hoops777
Sun Sep 25, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Re: Best way to play the points in Marriott-Starwood merger

Maybe,but I am willing to bet that the largest hotel chain in the world with millions of members is not going to risk losing them by being grossly unfair.I am certain they will raise point levels needed to stay per category,but the points will still provide for what we need.A lot of experts on such ...
by hoops777
Sun Sep 25, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Re: Best way to play the points in Marriott-Starwood merger

Those vacation packages are great deals,especially considering they only require 90,000 Starpoints being transferred. I am really thinking that this situation is not going to last and it might be time to make a bold move :D It will not be long before they become one program with probably one rewards...
by hoops777
Sat Sep 24, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Re: Best way to play the points in Marriott-Starwood merger

Another way to look at is until it changes all of your AXP spending is worth 3 Marriott points per dollar no matter what you spend it on.Any bonus Starwood spending would be triple as well.I am really considering transferring a minimum 50 pct of my starpoints.I think Marriott may rethink this if the...
by hoops777
Sat Sep 24, 2016 6:17 pm
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Re: Best way to play the points in Marriott-Starwood merger

I am taking my chances with the travel points.Anything is possible but I doubt that when they become 100 pct unified into the largest hotel chain in the world,that they will risk screwing all of their loyal members.I am certain my Starpoints will be devalued at some point,but right now the 3-1 deal ...
by hoops777
Sat Sep 24, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Re: Best way to play the points in Marriott-Starwood merger

Most of my points come from business purchases which are 1 point per dollar spent but are in large amounts. I honestly got so caught up in the transfer that I did not even give any thought to how current Marriott members accumalated their points.It still seems like I should transfer a good chunk of ...
by hoops777
Sat Sep 24, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Re: Best way to play the points in Marriott-Starwood merger

Thanks nedsaid,I changed the title :happy
by hoops777
Sat Sep 24, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: Best way to play the points in Marriott-Starwood merger
Replies: 23
Views: 1949

Best way to play the points in Marriott-Starwood merger

As a long time Starwood member over a million points, and as a new Marriott member with about 100,000 points,it seems like Starwood members have a huge advantage.Starpoints are more valuable, but by transferring them now you get a 3-1 return,which is very fair.Right now you can link the programs and...
by hoops777
Fri Sep 23, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 203
Views: 18555

Re: The Bogleheads' "100 Things Worth Every Penny" List

Our tempurpedic mattress. Frozen blueberries Wild salmon My 70 inch tv Directv Subscription to sports illustrated Prius iPad Pro Anything we spend on our 2 year old grandson Kuerig coffee machine Our 1350' single level home to live and retire in Ecco shoes Our small frequent vacations The yearly fee...
by hoops777
Fri Sep 23, 2016 8:42 pm
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 80
Views: 6215

Re: Trader Joe's Fans - good value?

Been shopping there for over 30 years.It is a great store if you are single or a couple and they do have unique items.
by hoops777
Tue Sep 20, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38159

Re: Do you really need 2.5 million to retire well?

About 95 pct of couples in America do not have 2.5 million dollars at retirement age.I guess someone thinks only about 5 pct of people can retire WELL. Like everything else it depends on how you live your life and spend your money.I am also assuming we are not talking net worth,but actual investment...
by hoops777
Mon Sep 19, 2016 9:40 pm
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 127
Views: 12609

Re: [NY Times article: 100% Stock Allocation in Retirement]

Salty I realize why you are not in agreement with the Bernstein idea. To me,everyone's situation is unique and a great method for one is horrible for another.The one thing I know about investors with less money is that if they go with stocks for the highest possible return,they are really in a world...
by hoops777
Mon Sep 19, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 127
Views: 12609

Re: [NY Times article: 100% Stock Allocation in Retirement]

Salty...I do not believe anyone invests in stocks expecting to lose it all.The way I am looking at this is to determine to the best of my ability,what I need in safe income,and then add another 20 pct or so just in case.The stocks would be my last resort in case I totally screwed up or something cra...
by hoops777
Sun Sep 18, 2016 9:52 pm
Forum: Personal Consumer Issues
Topic: avalon hybrid
Replies: 32
Views: 1956

Re: avalon hybrid

The visibility out the back is fine on the Prius,but it has blind spots on the sides especially toward the back.I do not know about the new model.
On another note I get the desire to have the more luxurious interior of the Avalon.It has just never been an issue for me even though I have back problems.
by hoops777
Sun Sep 18, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: avalon hybrid
Replies: 32
Views: 1956

Re: avalon hybrid

A Prius is not a good value and is an econobox? I have had 2 and they are very comfortable to me and 100 pct not even in the realm of being an econobox. I bought my 2015 new,last October for a little over 18K.I would consider that one of the best values on the market.Now if a luxury interior is your...
by hoops777
Sun Sep 18, 2016 3:25 pm
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 127
Views: 12609

Re: [NY Times article: 100% Stock Allocation in Retirement]

Regarding the Bernstein advice,of course the amount of money you have is the key element to your strategy.I was drawn to it because it fits my situation very well.If one,after much analysis, comes to the conclusion that x amount of dollars will secure their retirement with zero doubt,I think it is a...
by hoops777
Sun Sep 18, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: [NY Times article: 100% Stock Allocation in Retirement]
Replies: 127
Views: 12609

Re: [NY Times article: 100% Stock Allocation in Retirement]

100 pct equities?There is not a single person on this planet that knows how stocks will do the next 20 years.It is really that simple.If one wants to roll the dice,be my guest. Bernstein has the best take on this that I have ever heard.Whatever you can afford to lose and not hurt your retirement put...
by hoops777
Sun Sep 18, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: avalon hybrid
Replies: 32
Views: 1956

Re: avalon hybrid

I would recommend a Prius instead which is the best hybrid on the market and is both spacious and has excellent cargo room if needed.
by hoops777
Fri Sep 16, 2016 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Figuring out a price to offer on a house...
Replies: 39
Views: 3022

Re: Figuring out a price to offer on a house...

Appraisal? I thought everyone paid cash for houses now :D
by hoops777
Fri Sep 16, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Figuring out a price to offer on a house...
Replies: 39
Views: 3022

Re: Figuring out a price to offer on a house...

Human nature....
Buyer= house is overpriced
Seller= house is priced correctly because I have lived here and understand it's true value or I want to make x amount of dollars and that makes the price fair

It will never change for the vast majority of people :D :D :D
by hoops777
Thu Sep 15, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Figuring out a price to offer on a house...
Replies: 39
Views: 3022

Re: Figuring out a price to offer on a house...

If a house is overpriced by any rational analysis then a reasonable offer that is in line with comps is not insulting,but accurate. I have seen the other side where buyers try to take advantage of a slow market and maybe offer 300 for a house that is worth 400.Right or wrong, most people do not look...
by hoops777
Thu Sep 15, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Figuring out a price to offer on a house...
Replies: 39
Views: 3022

Re: Figuring out a price to offer on a house...

I do not have time to read all of the posts,but to me it is very simple.You know what the house is worth to you so make an offer based on that instead of playing all the pricing games.If it makes you feel better offer a bit less and counter with your best and final number.All that really matters is ...
by hoops777
Wed Sep 14, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Figuring out a price to offer on a house...
Replies: 39
Views: 3022

Re: Figuring out a price to offer on a house...

Tell them you are serious and will buy the house tomorrow for a fair price.Ask them for their bottom line number and they may surprise you.Sometimes being straight forward and not playing the bidding game works.That is how I bought mine.One difference with mine was I saw them getting ready to sell a...
by hoops777
Sun Sep 11, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is Being a Private Banking Client Worth it?
Replies: 88
Views: 15420

Re: Is Being a Private Banking Client Worth it?

Everyone wants to feel special,especially those with a lot of money,or think they have a lot of money. :D Heck,I feel special when I check into a Starwood hotel and they upgrade my room. I do know that banks are very greedy institutions and they are only going to kiss your ......if it benefits them,...
by hoops777
Sun Sep 04, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Strategy
Replies: 12
Views: 1354

Re: RMD Strategy

Thanks for the replies.
I am really trying to have it all in order the best I can because my wife really hates dealing with financial stuff.
by hoops777
Sat Sep 03, 2016 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: RMD Strategy
Replies: 12
Views: 1354

RMD Strategy

I still have a few years to go but trying to set a plan.Would appreciate any feedback about it.Thanks. Basic idea I currently have enough in CD 's and very high quality individual bonds to cover my first 10 years of RMD's.My thought is to put the rest of my IRA in Total Stock and an Intermediate Bon...
by hoops777
Thu Sep 01, 2016 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Good School District or Private School?
Replies: 77
Views: 4469

Re: Good School District or Private School?

In terms of the school choice,you just have to do your research.There are lot of excellent public schools and not all private schools are great or worth the money.It is easy enough to get the facts about the schools. There is a public high school in the Bay Area that has fantastic test scores and pc...
by hoops777
Wed Aug 31, 2016 1:01 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 9815

Re: How do you organize your finances? Do you use Mint.com?

Our passion for everything online and linked together creates security risks that I do not want to worry about.I feel nothing online is completely safe.I have frozen all 3 credit agencies after being informed by lifelock that some of my data was found on a black market site. :annoyed
by hoops777
Mon Aug 29, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 348
Views: 38591

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

Everyone is searching for the perfect system but there is none other than having enough in safe assets to live off of.I can see huge risk in prime harvesting if someone starts with a smaller nest egg like around 300K and the bonds get depleted followed by a 2008 type scenario. The best system is one...
by hoops777
Sat Aug 27, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 13834

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

I have experienced different financial extremes in my life.If you have no choice but to exist on 5 dollars of food a day I get it.If you only do it because one is obsessed with being cheap,it is not a life I would enjoy or want :(
by hoops777
Sun Aug 21, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 299
Views: 39142

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

The most important thing about having enough money is it gives you freedom.
by hoops777
Sat Aug 20, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 299
Views: 39142

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

I always see comments about having a million dollars is no big deal anymore.I understand how being a millionaire has changed quite a bit from 30 years ago.I also understand the very,very tiny pct of people in our country who have achieved that goal. It is a big deal to me considering at age 42 I had...
by hoops777
Mon Jul 25, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: House value vs Net worth %?
Replies: 21
Views: 2391

Re: House value vs Net worth %?

Non7WoodUser wrote:Houses are horrible investments for the average person. If you insist on home ownership buy if and only if the price per sq ft < $100 OR purchase price < 30% of your net worth.

In the Bay Area $100 per ft gets you a storage shed at Home Depot :happy
by hoops777
Mon Jul 25, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: House value vs Net worth %?
Replies: 21
Views: 2391

Re: House value vs Net worth %?

Does it even really matter?
by hoops777
Thu Jul 21, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 73
Views: 9825

Re: Netflix increasing prices. Will you keep it?

25 pct of 7.99 is a lot different than 25 pct of 100 or 200 dollars but you are right it is an individual choice.I just have a difficult time in 2016 prices to see why a person would cancel something over 2 dollars if they are enjoying it.
by hoops777
Thu Jul 21, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 73
Views: 9825

Re: Netflix increasing prices. Will you keep it?

Come on.9.99....For a month of entertainment options at what it cost to go out and see one movie.I find it hard to believe someone would cancel over 2 dollars a month unless they do not care about what they watch in the first place. Make a list of things today that you can do for 10 bucks?.. A cheap...
by hoops777
Sat Jul 16, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 1012

Re: Starwood points (looking for best use)

The Sheraton Maui is very nice and a great location.I think it is 12000 points,but could be 16000, and with the 5 th night free your 50,000 will get it done at 12000.
Who says you can use Starpoints at Yellowstone?There are no Starwood properties near Yellowstone.
by hoops777
Fri Jul 15, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on International Investing at Bogleheads 11
Replies: 63
Views: 8543

Re: Jack Bogle on International Investing at Bogleheads 11

I can think of a lot of reasons why one would prefer to invest only in the US.The US has been blessed with so many advantages in terms of location natural resources,waterways for shipping and diversity of people,combined with so many wanting to move and work here.No country in the world has these ad...
by hoops777
Fri Jul 01, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 778
Views: 76235

Re: What's Your Credit Card Rewards Strategy?

Just got the Marriott Chase Business with 100,000 point sign up and Hawaiian Air MasterCard with 50,000 point bonus as new additions. They now join Starwood,southwest and venture rewards as my main cards.Also have Chase Ink because it pays 5x for all phone,Internet,tv bills and those polnts can be t...
by hoops777
Fri Jul 01, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 24575

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

At age 30 I had less than 1000 dollars in the bank and no investments,no property.Just an old car.
by hoops777
Tue Jun 28, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Investment returns
Replies: 32
Views: 1649

Re: Investment returns

I believe a couple of people have stated the 2 investors paid the same price per share.That is not accurate. Why is it everytime someone mentions anything about buying when the market has dropped,there always has to be a few who just have to express their view about how stupid it is to not just full...
by hoops777
Mon Jun 27, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Investment returns
Replies: 32
Views: 1649

Re: Investment returns

People,it was not a trick question.Believe it or not there are investors out there with a good sum of money to invest that do not want to invest it at close to all time market highs.An event happens like brexit and now they feel better about putting it in. Is there really anyone here who would rathe...
by hoops777
Mon Jun 27, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Investment returns
Replies: 32
Views: 1649

Re: Investment returns

Anyway.....back to the question :D
by hoops777
Mon Jun 27, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Investment returns
Replies: 32
Views: 1649

Re: Investment returns

Thanks.
I was trying to figure how much money someone gains by buying on a 10 pct drop in the market when compounded over 20 years.I know I was missing something :happy
by hoops777
Mon Jun 27, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Investment returns
Replies: 32
Views: 1649

Re: Investment returns

That was fast.Did you figure 10,000 instead of 100,000?
by hoops777
Mon Jun 27, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Investment returns
Replies: 32
Views: 1649

Investment returns

I know there is someone out there who can figure this out in a minute. Investor A...buys 100,000 of the DOW at 18000 Investor B...buys 100,000 of the DOW at 16200 after a 10 pct drop in the same week. Both hold and reinvest dividends for 20 years. The Dow returns 7 pct avg per year for those 20 year...
by hoops777
Mon Jun 27, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 10823

Re: BREXIT - Whats the big deal?

I kind of have to chuckle at the "expert commentary" with no disrespect intended to the many wise bogleheads.Bottom line is nobody has any idea how this is going to turn out and how much it will effect the market.
by hoops777
Mon Jun 20, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Driving Seattle to Spokane in July
Replies: 22
Views: 1759

Re: Driving Seattle to Spokane in July

Thank you.So it looks like half day Friday and all day Saturday around Spokane and Coure d Alene.Head to Leavenworth Sunday a.m and stay overnight.Head to Seattle Monday and stay overnight.Half day Tuesday and fly home.We have been to Seattle before so that is plenty.
by hoops777
Sun Jun 19, 2016 6:27 pm
Forum: Personal Consumer Issues
Topic: Driving Seattle to Spokane in July
Replies: 22
Views: 1759

Re: Driving Seattle to Spokane in July

Ok.Would it make sense to drive from Spokane to Leavenworth and then head to I90 to Seattle or just stay on 2?My wife will be happy there is a Costco :happy

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