Search found 1094 matches

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: 5038

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: 5038

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: 8843

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: 3569

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.
by hoops777
Tue May 10, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6873

Re: 30 minute commute?

Quality of life.That commute will always be unpredictable.Each day,you never know.Accidents,weather.If you can avoid it,avoid it.
by hoops777
Tue May 10, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 22
Views: 3569

Re: Renting in Maui

Rentals pop up in NapiliHau sometimes. Maui has restrictions on areas that can have short term rentals, otherwise requires minimum 6 months. NapiliHau is a longish walk or easy bike ride to Napili Beach. This one is a little farther but shows you that your idea is plausible. https://www.showmethere...
by hoops777
Mon May 09, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Laminate Flooring Installers - finding local contractors
Replies: 14
Views: 903

Re: Laminate Flooring Installers - finding local contractors

If he did a good job that was a very good price.
by hoops777
Sun May 08, 2016 6:27 pm
Forum: Investing - Theory, News & General
Topic: Why invest in consumer defensive
Replies: 15
Views: 1370

Re: Why invest in consumer defensive

Probably because they expect it it to lose less value if the market crashes.Look at how it performed vs the total market when the market lost over 50 pct.When things go bad,people still need to buy food and all the other necessities which this fund represents.
by hoops777
Sun May 08, 2016 6:23 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 15746

Re: Where is Rick Ferri? [Portfolio Solutions management and fee structure]

A perfect example of why you are better off with Vanguard and their .30 fee and index funds if you want help.I will never hand over the keys to a small firm that can change in a heartbeat. The older I get the more I see the wisdom of simplicity and the value of forgetting about trying to get an extr...
by hoops777
Fri May 06, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 13814

Re: how much cash do you carry in your wallet?

It sounds like a bad time to invest in the wallet business :happy
I keep a few hundred in different demoninations in a pouch in my car.Yes if someone broke into my car they would steal it,but I would somehow manage to survive.
by hoops777
Thu May 05, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Just called Directv and saved $600 for one year
Replies: 46
Views: 4706

Re: Just called Directv and saved $600 for one year

I understand that you can save a few bucks by streaming everything,but at this point in my life,I do not want to work to watch tv.Directv has an excellent dvr,I have all my sports channels,I record everything we watch so we simply go to the list and ff through the commercials,including the live spor...
by hoops777
Mon May 02, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 39158

Re: What are Costco's best deals?

Auggiedoggie...I am betting you are under 30 and can not relate to how we lived in those dark ages 25 years ago :D Technology is a great thing,just would prefer to see people's faces once in awhile,instead of walking,sitting,standing with their necks bent staring at their smart phones.Of course that...
by hoops777
Sun May 01, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 39158

Re: What are Costco's best deals?

Yes I am extremely self centered.I do not mind having to wait for a parking space.I do not mind having to look for something in the store.I actually remember how we all somehow got through the day without a cell phone,without Facebook,twitter and everything else that people are addicted too today :D...
by hoops777
Fri Apr 29, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 39158

Re: What are Costco's best deals?

Life has become so much about instant gratification that it is now deemed a serious problem to have to look for something in the store.Sorry I do not need an app and I do not need to see more people staring down at their phones.No offense meant,just tired of technology for everything. I do agree Cos...
by hoops777
Fri Apr 29, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 39158

Re: What are Costco's best deals?

The thing at Costco that is the worst buy:The home remodeling services.They set up local companies for flooring,air conditioning/heating,water systems,etc.You can do much better on your own.
by hoops777
Thu Apr 28, 2016 7:19 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 39158

Re: What are Costco's best deals?

I have never seen anything that wasn't at least a fair deal.Mostly everything is a good deal and a lot of things are great deals.Costco in my opinion is second to none. Example....you move to Maui.You could live there and never shop at another store for food,furniture,electronics,clothes,prescriptio...
by hoops777
Thu Apr 28, 2016 10:20 am
Forum: Investing - Theory, News & General
Topic: "Save $52,000 on Financial Advice" Forbes
Replies: 103
Views: 12048

Re: "Save $52,000 on Financial Advice" Forbes

I think a lot of it is just psychological.It hits you in the face to write a big check where the 1 pct is more painless because it just blends in with everything and it is just taken out on a regular basis.Illogical but I believe a lot of people think that way.How many people have most of their bill...
by hoops777
Wed Apr 27, 2016 8:55 pm
Forum: Investing - Theory, News & General
Topic: "Save $52,000 on Financial Advice" Forbes
Replies: 103
Views: 12048

Re: "Save $52,000 on Financial Advice" Forbes

Just wondering how much work is passed off to the underlings of these 300-500 per hr professionals.If someone pays 10,000 for 20 hours,how much actual time is spent by the guy charging you $500 per hour?Just asking :D
by hoops777
Tue Apr 26, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Laminate Flooring Installers - finding local contractors
Replies: 14
Views: 903

Re: Laminate Flooring Installers - finding local contractors

Pricing depends on where you live.If you can get it installed for $1 by someone with good references,that is very cheap.When Lowe's and HD do their installation specials they usually make up for it by overcharging for something else.Example...install entire house of carpet for $79 but they overcharg...
by hoops777
Mon Apr 25, 2016 1:36 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7984

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

This has been a surprising thread.Normally there are many more just put it all in,do you have a crystal ball type comments. :)
by hoops777
Mon Apr 25, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 22
Views: 3569

Re: Renting in Maui

Why not us...I like the north part as well.I figure the drive to Costco is no big deal.Finding the right rental will be the hard part but we are open to Kihei as well.
by hoops777
Sun Apr 24, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 22
Views: 3569

Re: Renting in Maui

Been to Maui 5 times.
by hoops777
Sun Apr 24, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 22
Views: 3569

Re: Renting in Maui

The car comes out to about 170 a month vs not having one and taking taxis or uber all the time.I am not worried about my unit.If we do this we are going to change all the flooring and most of the furniture when we come back.It is that time anyway.The particular place and the model that we live in is...
by hoops777
Sun Apr 24, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 22
Views: 3569

Renting in Maui

Wanted to throw this out here and see if there are some negatives I am missing. We live in the Bay Area and could rent our town home for about 3000 per month.We have always wanted to try living in Maui,so my idea is rent our place for 1 year and rent a place in Maui for 1 year,smaller and not as nic...
by hoops777
Sun Apr 24, 2016 12:12 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7984

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

Hiring an advisor is not panic proof,but it does make it more difficult to panic if they are managing your investments and doing the buying/selling.If you have to call them to sell something,they can talk you down off the ledge :D
by hoops777
Sun Apr 24, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 56260

Re: Question for the Bogleheads Millionaires

This has been very interesting. I wonder though when reading some of the posts,how many people overdue it.Maybe get caught up so much in saving,that they do not enjoy their lives as much as they could have.You wake up one day and you are 72 and have an abundance of money but never took the vacations...
by hoops777
Sat Apr 23, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: How should we negotiate home decorating proposal?
Replies: 17
Views: 1262

Re: How should we negotiate home decorating proposal?

Sounds like a plan.Just don't kill yourselves trying to earn that financial freedom :D
by hoops777
Sat Apr 23, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 56260

Re: Question for the Bogleheads Millionaires

Jim85...But you can get that $75 polo for about $20 give or take if you go to the outlet,use your 40 pct off coupon on the ones on clearance :happy
by hoops777
Sat Apr 23, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 56260

Re: Question for the Bogleheads Millionaires

Abuss....a cell at Alcatraz?On the water with awesome views?Way too expensive :D
by hoops777
Sat Apr 23, 2016 6:05 pm
Forum: Personal Consumer Issues
Topic: How should we negotiate home decorating proposal?
Replies: 17
Views: 1262

Re: How should we negotiate home decorating proposal?

I would make certain the 90 dollar an hour people that you like are not making anything on what they buy for you in terms of furniture and the like.Most decorators make money on your new flooring,window coverings,furniture,etc.They should not make anything if you are paying them 90 bucks an hour. Yo...
by hoops777
Sat Apr 23, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 56260

Re: Question for the Bogleheads Millionaires

Feeling wealthy is a personal thing.To say you need 6 mill in the Bay Area is ridiculous.If one has only 4 million with no debt and a simple lifestyle are they not wealthy?How about 2 million and SS covers all or most of their living expenses? Ask that question to a retired couple living on their SS...
by hoops777
Sat Apr 23, 2016 4:55 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7984

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

Again,hire someone.It will save you from yourself. :moneybag 8-)
Market close to an all time high with all kinds of stuff going on.The market will drop and you will be doing what?Calmly sitting there and accepting that you just saw your portfolio drop 20 pct?Good luck with that.
by hoops777
Sat Apr 23, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 7984

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

If you are emotional about your investing,you are better off finding a low cost manager like Rick Ferri or Vanguard advisors. I understand your pain from 2008 because I did the same idiotic :oops: thing.When you experience a loss like that it stays with you mentally as well as in your bank account.I...
by hoops777
Sat Apr 23, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 56260

Re: Question for the Bogleheads Millionaires

Start a small business that becomes successful and turns into the American Dream.Yes it is still there,the dream,regardless of all the negativity in the media. At age 42,I had a net worth of about 5000,renting a tiny apartment.I Borrowed 25,000 from my brother out of his 401k.So actually now a net w...
by hoops777
Tue Apr 19, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Buying the most expensive house on the street?
Replies: 34
Views: 4835

Re: Buying the most expensive house on the street?

The important thing is what is best for the happiness of your family.If you are staying there long term do not even think about comparing resale value.
by hoops777
Tue Apr 19, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 2920

Re: Progressive or Geico?

I got by far the best deal from Ameriprise through Costco.I live in the Bay Area as well.Geico has always been much higher.SF and Farmers also much higher.
by hoops777
Mon Apr 18, 2016 10:31 am
Forum: Investing - Theory, News & General
Topic: Everyone Worries Too Much About 'Black Swans'
Replies: 39
Views: 4185

Re: Everyone Worries Too Much About 'Black Swans'

I did not care too much about some paper losses years ago,until they became permanent real losses :annoyed
by hoops777
Sun Apr 17, 2016 12:31 pm
Forum: Investing - Theory, News & General
Topic: Everyone Worries Too Much About 'Black Swans'
Replies: 39
Views: 4185

Re: Everyone Worries Too Much About 'Black Swans'

Regarding black swans,of course there is a huge difference if you are 25 or 65 and how it affects your life.
In terms of Japan...what other option do they have but to go on living and adjust to the horrible stock market.When something lasts that long it becomes the new reality.
by hoops777
Sat Apr 16, 2016 7:46 pm
Forum: Investing - Theory, News & General
Topic: Investing legends change their bond portfolio
Replies: 29
Views: 4469

Re: Investing legends change their bond portfolio

Who am I to question such renowned investment gurus,but I think they are full of you know what. 8-)
by hoops777
Sat Apr 16, 2016 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: How do I know I have enough to retire
Replies: 17
Views: 3865

Re: How do I know I have enough to retire

You are great as long as wife 2 does not become like wife 1 and that pension doesn't go anywhere.Two big uncertainties :D
by hoops777
Wed Apr 13, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Second house vacation home advice.
Replies: 7
Views: 841

Re: Second house vacation home advice.

How much would you pay a year in HOA fees and property tax plus the headaches?There are plenty of timeshare resorts and the like with full kitchens,small living rooms you can rent when you go. It sounds like money is not a concern though so go for it if you go frequently.I would not want it sitting ...
by hoops777
Tue Apr 12, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance rate hike issue
Replies: 15
Views: 1204

Re: Auto insurance rate hike issue

Went back to my old policy thru Costco...Ameriprise.About $600 cheaper but their umbrella was a little higher.So pretty much like my insurance before the ticket and rate hikes.I am happy. :D
For a 2 million umbrella policy they charged $292 for the year.I think that is actually pretty good.
by hoops777
Tue Apr 12, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance rate hike issue
Replies: 15
Views: 1204

Re: Auto insurance rate hike issue

I know.Hartford AARP has very good rates.Geico has always been much higher.
by hoops777
Tue Apr 12, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance rate hike issue
Replies: 15
Views: 1204

Re: Auto insurance rate hike issue

No,this is a new violation and it will last 3 years.
by hoops777
Tue Apr 12, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance rate hike issue
Replies: 15
Views: 1204

Re: Auto insurance rate hike issue

Trying to find out from an insurance agent if any companies treat this differently.
by hoops777
Tue Apr 12, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance rate hike issue
Replies: 15
Views: 1204

Auto insurance rate hike issue

Any insurance people in bogleland? My issue. Hartford AARP policy...California Excellent driving record until one moving violation. Raised our premium $585 and it lasts 3 years before being removed. I got caught on camera not coming to a complete stop in right turn only lane on red light.I honestly ...
by hoops777
Mon Apr 11, 2016 12:11 am
Forum: Personal Consumer Issues
Topic: If you could retire anywhere, regardless of healthcare, etc.
Replies: 118
Views: 10789

Re: If you could retire anywhere, regardless of healthcare, etc.

The surrounding suburbs outside SF.Great healthcare,great universities,wine country,pro sports teams,culture,innovation and GREAT WEATHER.....no snow,no humid summers..Add you are 2 or 3 hours from Yosemite or Big Sur or Lake Tahoe and......Restaurants galore,every type imaginable.
by hoops777
Sun Apr 10, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Portfolios
Replies: 24
Views: 3070

Re: Retirement Portfolios

Make everyone's life simple and invest the same in each account.Hard to beat the 50-50 with Wellesley and Life strategy.
by hoops777
Sat Apr 09, 2016 12:28 am
Forum: Investing - Theory, News & General
Topic: Financial burnout
Replies: 65
Views: 9000

Re: Financial burnout

You have plenty of money.Your children are young once.Will you be happier with more money or more memories.

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