Search found 1140 matches

by hoops777
Thu Jul 21, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 73
Views: 9488

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: 9488

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: 907

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: 55
Views: 7441

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: 343
Views: 30750

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: 217
Views: 20798

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: 1596

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: 1596

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: 1596

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: 1596

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: 1596

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: 1596

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: 10435

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: 1666

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: 1666

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
by hoops777
Sun Jun 19, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Driving Seattle to Spokane in July
Replies: 22
Views: 1666

Re: Driving Seattle to Spokane in July

Maybe a stupid question.....it looks like we have to reverse course and fly to Spokane and drive to Seattle.Does it matter?
by hoops777
Sun Jun 19, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Driving Seattle to Spokane in July
Replies: 22
Views: 1666

Re: Driving Seattle to Spokane in July

Thanks for all the suggestions.I want to see Leavenworth but it seems like I 90 is easier and actually has more things to see.
by hoops777
Sat Jun 18, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Driving Seattle to Spokane in July
Replies: 22
Views: 1666

Re: Driving Seattle to Spokane in July

I am thinking leave Seattle Sunday a.m.and get to Spokane in the evening,go to Coeur on Monday for the day and look around Spokane most of the day Tuesday before our flight back early evening.Maybe better to go on 90 if there are nice small towns to see.
by hoops777
Sat Jun 18, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: Driving Seattle to Spokane in July
Replies: 22
Views: 1666

Driving Seattle to Spokane in July

We are driving from Seattle to Spokane the weekend of July 9.Looking for advice on best route.Is it worth it to go on highway 2?How about Leavenworth?We were also going to visit Couer d'Alene for a few hours.We arrive in Seattle Friday afternoon and fly home from Spokane late Tuesday.Thanks!
by hoops777
Sat Jun 18, 2016 6:10 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 162
Views: 16579

Re: What's the ideal safe retirement net worth target?

10,000,000 to live a reasonable lifestyle?I guess if you live an extravagant,pampered rich lifestyle you would need 10M,but for 90 pct of people that live normal lives that figure is ridiculous.
by hoops777
Sun Jun 12, 2016 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: I need some help to understand why I should invest in bonds at such a young age
Replies: 235
Views: 13227

Re: I need some help to understand why I should invest in bonds at such a young age

Simplistic,but a wise old saying...do not put all of your eggs in one basket.
I don't think anyone should be so completely confident about a distant future outcome.Just too many unexpected things that can come out of nowhere at the worst possible time.
by hoops777
Sun Jun 12, 2016 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Include Social Security in AA calculations?
Replies: 73
Views: 3640

Re: Include Social Security in AA calculations?

Afan....an excellent common sense answer.Is there really any other answer that makes any sense?
by hoops777
Sun Jun 12, 2016 11:39 am
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 8741

Re: Crazy housing market

The bottom line is that 1500 sq ft 75 yr old mediocre house is only worth 1.35 million if some foolish soul forks out the money.There us almost always someone willing, and it only takes one to set up the next one, and on and on we go into oblivion :D
by hoops777
Sat Jun 11, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Include Social Security in AA calculations?
Replies: 73
Views: 3640

Re: Include Social Security in AA calculations?

1-You have a stream of 100pct guaranteed income.
2-That amount effects how much risk you can take with your investments
3-your age is very important because the younger you are any "guaranteed income" becomes a little more suspect,even SS.Just my opinion.
by hoops777
Sat Jun 11, 2016 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Include Social Security in AA calculations?
Replies: 73
Views: 3640

Re: Include Social Security in AA calculations?

As I said,there is nothing complicated here.Why would one not figure in their SS income when determining their allocations?You fix your allocation to provide what your individual needs are that SS does not cover.It does not matter how you phrase it or how you frame it.SS is not a stock or bond,but s...
by hoops777
Sat Jun 11, 2016 7:46 pm
Forum: Personal Consumer Issues
Topic: Dental insurance, dental plans or pay as you go?
Replies: 41
Views: 3088

Re: Dental insurance, dental plans or pay as you go?

There are different discount plans.We use Careington and it costs about 120 bucks a year.Participating dentists offer greatly reduced prices on everything.When I last checked it was better than delta dental or Aetna insurance.
by hoops777
Sat Jun 11, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Educating Grandson-need advice
Replies: 2
Views: 474

Re: Educating Grandson-need advice

I would start with a lemonade stand :D
I would then teach him the importance of saving,compound interest and why one should buy index funds instead of individual stocks.K.I.S.S.
by hoops777
Sat Jun 11, 2016 7:10 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 8741

Re: Crazy housing market

I just looked at a 1700 sq ft two story track home in an average neighborhood in Fremont Ca.....the realtor is going to list it at 1,050,000.When I expressed my amazement,he said he just sold one around the corner for 915,000 that was 1350 sq ft. :confused :confused :confused I just saw the previous...
by hoops777
Sat Jun 11, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Include Social Security in AA calculations?
Replies: 73
Views: 3640

Re: Include Social Security in AA calculations?

You are at retirement age.You see how much of your living expenses in total are covered by SS.Whatever is left allocate your stocks/bonds accordingly to whatever your needs or goals are.I do not understand why people want to make this so complicated.
by hoops777
Sat Jun 11, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: How long to wait before reducing house price.
Replies: 22
Views: 2302

Re: How long to wait before reducing house price.

If you are in a tight market with a lot of buyers and do not get an offer or any feedback after a couple of weeks,that is not good news.Human nature dictates that we always think our house is worth more than it is.If you have a good realtor they will tell you the honest truth.If you have someone who...
by hoops777
Sat Jun 11, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 123
Views: 7311

Re: Your shopping strategy for new tires?

One word........COSTCO
by hoops777
Sat Jun 11, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage today
Replies: 67
Views: 5901

Re: Paid off the mortgage today

It is an awesome feeling.It has been about 3 years since we did it and it I still can't believe it.For all of those out there who grew up without much and have struggled financially,it is especially sweet :D
by hoops777
Tue Jun 07, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 23
Views: 2541

Re: Carpeting-Costco or Home Depot?

Well Bacchus since you said period,intimating that you are more knowledgable than I am,let me explain it to you.I have sold give or take 15 million dollars worth of carpet to start with.You have carpeted 4 houses in 4 states.Hmmmmmmm.....I have gone into HD at least 50 times and crossed over their p...
by hoops777
Mon Jun 06, 2016 9:35 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 23
Views: 2541

Re: Carpeting-Costco or Home Depot?

Well all I can tell you is that maybe where you live it is different,or you went to the wrong local guys.The flooring industry is pretty simple.The smaller local guys pay pretty close to what home depot does to buy materials.If you have a local small guy who knows what he is doing,they have plenty o...
by hoops777
Mon Jun 06, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 23
Views: 2541

Re: Carpeting-Costco or Home Depot?

The bottom line is if you go into a large showroom with salespeople and a lot of overhead,the job will cost more because they have more expenses to cover.You will save the most money if you can find a place that has high quality carpet in stock that they bought on special deals from the mill, that a...
by hoops777
Sun Jun 05, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 23
Views: 2541

Re: Carpeting-Costco or Home Depot?

No not rarely.Home Depot is very easy to beat price wise and Costco is not even in the ball park.
by hoops777
Sun Jun 05, 2016 7:00 pm
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 23
Views: 2541

Re: Carpeting-Costco or Home Depot?

Your best price will come from a small local independent dealer with low overhead.
by hoops777
Sun Jun 05, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Southwest Companion Pass
Replies: 14
Views: 1478

Re: Southwest Companion Pass

Your thought is correct...what else would you do anyway,certainly not buy more expensive fares :happy
by hoops777
Sat Jun 04, 2016 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Living Trusts
Replies: 30
Views: 2149

Re: Living Trusts

Very expensive but I am sure he or she is quite good at justifying the $11,000 fee :D
by hoops777
Sat Jun 04, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 343
Views: 30750

Re: What's Your Credit Card Rewards Strategy?

If you travel often your Starpoints value is going to average out to about 2.4 give or take.If you travel a couple times a year and only travel to a place where there is some anomaly in the point system,yes you can find a valuation like the Chelsea,whose average price by the way is about 70 pct belo...
by hoops777
Fri Jun 03, 2016 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 343
Views: 30750

Re: What's Your Credit Card Rewards Strategy?

As I said the math does not work.Starwood does not offer rooms that cost 717 dollars a night for 12000 points.Four Points is their cheapest hotel and there are no rooms at over 700 per night.If that hotel had a special suite for $717 it was not available for 12000 pointsThe St.Regis and Westin are c...
by hoops777
Fri Jun 03, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 343
Views: 30750

Re: What's Your Credit Card Rewards Strategy?

The math in reality does not work.For example to stay at the St.Regis in NY on the Fourth of July,it is 30,000 points or $637.They haves suites for over 2000 a night but you cannot use points and if you could it would probably be 100,000 for one night.Starpoints overall are valued at about 2.4 cents...
by hoops777
Fri Jun 03, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 343
Views: 30750

Re: What's Your Credit Card Rewards Strategy?

I have over a million Starwood points and 100,000 points does not get you $6000 worth of nights.A mid range level hotel is normally 10,000 points and the cash cost of those rooms is usually around 200 bucks give or take.
by hoops777
Thu Jun 02, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 343
Views: 30750

Re: What's Your Credit Card Rewards Strategy?

TomCat96,
You stated you were getting 6 pct back from your Starwood card.That is not accurate.Are you saying if you spend 10,000 you get $600 worth of hotel stays?Just does not compute.
by hoops777
Wed Jun 01, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance?
Replies: 44
Views: 4226

Re: How much Umbrella Insurance?

Just curious what premiums people are paying for 1 or 2 million?
by hoops777
Mon May 30, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 343
Views: 30750

Re: What's Your Credit Card Rewards Strategy?

Well this is an interesting topic and of course most people want to think they have the most brilliant plan :D My main goal is free travel. Cards SPG Amex....I believe the most generous hotel program with excellent transfer options to air miles as well Southwest Visa.....I believe the most generous ...
by hoops777
Sat May 14, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5341

Re: The 10 Best States to Grow Old in

After reading the comments here is my final take. Good weather.No harsh conditions.No high humidity or snow. Good healthcare with many,many choices. Mountains,lakes,forests and oceans reasonably close. Major airports close. Wide range of cultural activities and events. A wealth of pro sports teams a...
by hoops777
Sat May 14, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5341

Re: The 10 Best States to Grow Old in

I am always fascinated by these best places to live or retire lists.Weather should play a more prominent role.Maybe I am spoiled by California,but high humidity and freezing winters are are big factors along with the cost of living and things to do.
by hoops777
Sat May 14, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: What was your hardest retirement transition?
Replies: 61
Views: 9280

Re: What was your hardest retirement transition?

This is a great resource for those of us thinking about retiring.The more I read the more I want to keep my little business going for as long as I can. :happy
by hoops777
Wed May 11, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 22
Views: 3742

Re: Renting in Maui

Thanks for the comments and info.We are still debating and may settle on multiple trips.I would be fine but my wife is a prime candidate for a case of island fever.It is a big deal.

Go to advanced search