Search found 1238 matches

by investingdad
Fri Jan 19, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 24
Views: 838

Re: Home Humidifier input please

The powered unit you linked to has a fan so it can humidify the air without the HVAC running.
by investingdad
Fri Jan 19, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 24
Views: 838

Home Humidifier input please

We are going to install a home humidifier due to very dry air.

There are two options I'm aware of, bypass and powered.

I'm reading that powered may be better because it can run when the HVAC system isn't.

Does anyone have experience and can they provide input?

Cost is not a factor.
by investingdad
Fri Jan 19, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 30
Views: 1220

Re: Learning Swimming @ 40+

BHs: I Am contemplating on learning swimming and in the past have tried but was not successful due to apparent fears. Now looking at my kids swimming feels like I should try one last time due to various reasons.. Any experiences of learning swimming at this age.. Thanks OneWorld No experience learn...
by investingdad
Wed Jan 17, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 3843

Re: Umbrella Policy - 1M or 2M

Did you tell them you would have a "New Teen Driver" when you got the quotes/Prices? If not - expect an increase. It's for this reason I'm contemplating making our kids get their own insurance policies in a few years. My dad made me get my own and one minor accident at 17 helped me see the light on...
by investingdad
Wed Jan 17, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 43
Views: 3843

Re: Umbrella Policy - 1M or 2M

Did you tell them you would have a "New Teen Driver" when you got the quotes/Prices? If not - expect an increase. It's for this reason I'm contemplating making our kids get their own insurance policies in a few years. My dad made me get my own and one minor accident at 17 helped me see the light on...
by investingdad
Tue Jan 16, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3274

Re: Understanding the Great Recession Impact

I was also wondering what we were doing wrong in the early 2000s after we built our first house. We moved out of an expensive area to a less expensive one when we built because I couldn't make the mortgage math work. We wanted it workable on one income. The builders and real estate agents were havi...
by investingdad
Tue Jan 16, 2018 8:13 am
Forum: Investing - Theory, News & General
Topic: Dow 30,000 S&P 3000, Nasdaq 10,000
Replies: 39
Views: 4478

Re: Dow 30,000 S&P 3000, Nasdaq 10,000

All I know is this...i wish I could take the stupidly high gains I've seen in my portfolio off table and then put them back on the table the day after the market finally corrects. But our investment ratio is about where I want it so that probably isn't smart. I try to remind myself that doing nothin...
by investingdad
Tue Jan 16, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3274

Re: Understanding the Great Recession Impact

It was the age of debt and LBYM (living beyond your means). My neighbor on one side refinanced his huge house with cash out 4 times leading up to the great recession. Put the cash into the house along with cars, trucks, and his small but booming construction business. Then all construction business...
by investingdad
Mon Jan 15, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Understanding the Great Recession Impact
Replies: 44
Views: 3274

Re: Understanding the Great Recession Impact

The devil is always in the details. Clicking the link to the Wired articles does mention the Wells Fargo investment that "guaranteed" 19% a year that ran out of money. I recall an Engineering manager where I worked in 2001 that told everyone after the 911 market collapse he was going to 100% bonds. ...
by investingdad
Sat Jan 13, 2018 9:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 106
Views: 8105

Re: Post your Financial Milestone Announcements Here

We hit 2.6 million (nice round number) as of market close yesterday, home equity is just a small bit at 145k or so.

Still mid 40s so not ready to retire yet.

Best part is knowing we have freedom to not sweat the expenses and small indulgences.
by investingdad
Sat Jan 13, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 68
Views: 3518

Re: Poll: BHs who rent - what % of gross do you spend on rent?

When I was single 20 years ago, I paid 16% of gross for a single bedroom apartment.

33k a year, 450 a month rent.
by investingdad
Sat Jan 13, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2881

Re: Will never not upgrade Business travel again

For me, this falls under the category of...it's time to use a little bit of our financial success to enjoy a little bit of comfort.
by investingdad
Sat Jan 13, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2881

Re: Will never not upgrade Business travel again

I have a 3.5 hour flight next month. Upgrade from coach to First for $160 on my own dime?

Yes, please. Done.
by investingdad
Sat Jan 13, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2881

Will never not upgrade Business travel again

I may have said this before on here, but I'll say it again. For business travel on the company dime, I will never not upgrade my airline seats or hotel accommodations at my own expense again. I flew last week and spent $100 upgrading seats both ways on my personal card. Comfortable flights both ways...
by investingdad
Sat Jan 13, 2018 10:15 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7723

Re: Heading for a top?

I have no control over it, Why Fret.(Nothing to Fret About) Corrections,Bear Markets are healthy . That is when wealth is created (ifyou are steady buying) You just don't know it at the time. Invest. Reinvest :happy This is certainly true. The money that's accumulating in our accounts now its a res...
by investingdad
Sat Jan 13, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7723

Re: Heading for a top?

I keep updating Quicken and it feels ridiculous. I've rebalanced a little bit as I try to keep the ratio where I want it, but the gains I'm seeing have me scratching my head.
by investingdad
Wed Jan 10, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 2858

Re: Use HSA money or pay out of pocket?

I recently switched to a high deductible plan with an HSA. For 2018, I'm maxing out the HSA ($6500) plus receive a small employer contribution. I just set my investment preferences, and turns out, the fund options we can invest in are low cost passive funds, so I am really happy about that. My ques...
by investingdad
Mon Jan 08, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7400

Re: How much are you putting in a 529?

We started with $100/child/month when our kids were very young (and my income was much lower than it is today) and then started putting extra bonuses and funds in whenever we could. Our goal was to pay for 4 years of under-grad but we now have enough to also help with graduate schools (for the one ...
by investingdad
Mon Jan 08, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7400

Re: How much are you putting in a 529?

Our Kids are 12 and 10.

We elected not to use the 529, diverting money to retirement accounts instead.

Our rationale was we could finance college for them, but couldn't finance retirement if things took a bad turn.

We will simply pay for college when the time comes.
by investingdad
Fri Jan 05, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4244
Views: 1144931

Re: U.S. stocks in freefall

Last day of trading for 2017 and stocks are accelerating downward. I wonder if tax/RMD situations play a role in a ' January Effect ' at the end of the year. Or tax loss harvesting - I doubt Bogleheads lost any money this year but I'm guessing some people lost money... My uncle lost money this year...
by investingdad
Fri Jan 05, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Our 2017 portfolio income
Replies: 5
Views: 701

Re: Our 2017 portfolio income

livesoft wrote:
Fri Jan 05, 2018 9:10 am
I think the OP is writing about capital gains distributions which would show up on a 1099-DIV if all assets were held in a taxable account.

3% is pretty typical.
Correct.
by investingdad
Fri Jan 05, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: Our 2017 portfolio income
Replies: 5
Views: 701

Our 2017 portfolio income

I finally added up all the dividend and capital gains for 2017 we received. Our portfolio is about 24% bonds, balance equities. Only a little cash. Mostly mutual funds. It generated about 3% total income, most of it in tax advantaged accounts. That's about 60% of our expenses. I'm not really sure wh...
by investingdad
Wed Jan 03, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Frozen Pipes
Replies: 30
Views: 3409

Re: Frozen Pipes

Thank you for all these suggestions - I am investigating and will proceed as suggested. Every dishwasher I have ever installed gets it water supply underneath your kitchen sink which is next to it. It then pumps waste water back to the kitchen sink drain. I would be highly suspicious that if this i...
by investingdad
Wed Jan 03, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Frozen Pipes
Replies: 30
Views: 3409

Re: Frozen Pipes

I had the dishwasher drain line freeze at our last house.

Investigation revealed a lack of insulation along the base of the wall due to shoddy construction.
by investingdad
Tue Jan 02, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Ever drink Chartreuse?
Replies: 16
Views: 1513

Re: Ever drink Chartreuse?

So the cocktail I had was, by my approximation based on home formulation, as follows:

One part Sake
1/2 part Chartreuse
1/4 part fresh lemon juice
1/8 part simple syrup
1 drop bitters

Add ice, shake, strain into martini glass.
by investingdad
Tue Jan 02, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 128
Views: 11366

Re: Embarrassment Preventing Retirement Work: A factor for you?

It's funny, I always had this thought experiment in my mind about what would happen if I and my colleagues (engineers and other highly educated, results oriented professionals) went to work en masse at a fast food joint. Most of us had that type of job as teens. And the workers are usually disinter...
by investingdad
Tue Jan 02, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 128
Views: 11366

Re: Embarrassment Preventing Retirement Work: A factor for you?

It's funny, I always had this thought experiment in my mind about what would happen if I and my colleagues (engineers and other highly educated, results oriented professionals) went to work en masse at a fast food joint. Most of us had that type of job as teens. And the workers are usually disintere...
by investingdad
Mon Jan 01, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23133

Re: Learning Violin as an adult...One Year later!

They're not as into the idea as me.

Sax and violin don't work well together. Though I humor him and play along anyway. It's mostly sax and my violin vibrating along with the sax.

Flute and violin certainly do, and we have duet books, but she's not that enthusiastic about it.
by investingdad
Mon Jan 01, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23133

Re: Learning Violin as an adult...One Year later!

Congratulations! I discovered your post back in June when my 5 year old started Suzuki violin. I’ve been tagging along with her. I just finished Oh Come Little Children. It’s a drop in the bucket but also quite an accomplishment. You’ve been my inspiration! P.S. I’m 35 and have no prior experience ...
by investingdad
Mon Jan 01, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 5805

Re: Long Term House—Any Regrets on things you didn’t do?

We built two homes, our current house about eight years ago. We modified the floor plan. Wins Finished the basement into a game room. Biggest expense was the carpet and pad, huge success. Feels wonderful under the feet. Recessed pot lights everywhere on different switches, dimmable. Great renovation...
by investingdad
Mon Jan 01, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Tell me about Under Tile floor heating
Replies: 7
Views: 735

Tell me about Under Tile floor heating

Our master bathroom has about 140 ft2 of flooring surface area. We built the house eight years ago and put linoleum in knowing we'd eventually tile it. Well, we're ready to do so. I tiled a similar size bathroom at our last house and it came out great. I also vowed I'd never do a tile job again. The...
by investingdad
Sun Dec 31, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Ever drink Chartreuse?
Replies: 16
Views: 1513

Re: Ever drink Chartreuse?

As the posts suggest, there's a green and yellow. I have the green. The aroma reminds me of the inside of a shop in Colonial Williamsburg I visited as a kid. In fact, when I had it for the first time, I had an immediate flashback to that little shop thirty years ago.
by investingdad
Sun Dec 31, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Ever drink Chartreuse?
Replies: 16
Views: 1513

Ever drink Chartreuse?

I had it for the first time on a recent cruise as part of a cocktail. Unique flavor.

I'd never heard of it before, but I now have a bottle for said cocktail I had on the cruise.
by investingdad
Fri Dec 29, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23133

Re: Learning Violin as an adult...One Year later!

Thanks. Day to day, and week to week, it's hard to see the incremental improvements. But learning is happening. I picked up a "101 Classical Tunes" book for myself this week (easy arrangement). The proof of learning is being able to sight read my way through Hornpipe and Jesu, Joy after just a few t...
by investingdad
Thu Dec 28, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Miata as second car
Replies: 94
Views: 3802

Re: Miata as second car

There really isn't a comparison between a Miata and the muscle car entries. Totally different animals with different functions. A go kart isn't super fast, but the way you can toss it around a go kart track is a different type of fast. That's the appeal of a go kart at those family places. The Miata...
by investingdad
Wed Dec 27, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23133

Re: Learning an instrument as an adult...ten months later.

One Year! I can officially call myself a second year violin student! I got my rental violin one year ago today (and eventually bought it) and began to learn to play music for the first time. Technically I didn't start lessons until first week of January, though, but today marks a year since screechi...
by investingdad
Wed Dec 27, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Miata as second car
Replies: 94
Views: 3802

Re: Miata as second car

Mazdaspeed Miata. The older NB will make it more affordable than an ND and the speed is very limited and will hold its value better. If you can replace the Wrangler with a Miata, then indeed, you can come out ahead. A Miata will cost less to run than a Wrangler and likely be less expensive to maint...
by investingdad
Wed Dec 27, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6475

Re: manual car for new teen driver

I am saying they are designed to allow the driver to do things other cars cannot. If you explore those capabilities, and the Miata is purpose built for that, you can find yourself in trouble quickly. The Miata holds the corners, so you push a little harder, it lacks the power of a V6 sedan, but sud...
by investingdad
Tue Dec 26, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6475

Re: manual car for new teen driver

I would go with a used Miata. View this link. If I was young again (and didn't live in the snow belt), that's what I would like: https://www.ispot.tv/ad/73Aq/2016-mazda-mx-5-miata-a-drivers-life-driving-matters The video is interesting even if you are not interested in a Miata. I wouldn't. I have a...
by investingdad
Tue Dec 26, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6475

Re: manual car for new teen driver

I would go with a used Miata. View this link. If I was young again (and didn't live in the snow belt), that's what I would like: https://www.ispot.tv/ad/73Aq/2016-mazda-mx-5-miata-a-drivers-life-driving-matters The video is interesting even if you are not interested in a Miata. I wouldn't. I have a...
by investingdad
Tue Dec 26, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6475

Re: manual car for new teen driver

lazydavid wrote:
Tue Dec 26, 2017 2:15 pm
investingdad wrote:
Tue Dec 26, 2017 1:37 pm
What modern clutch vehicle requires double clutching?
One on which someone learning to drive manual (or doing it poorly on the regular) has blown the synchros. :mrgreen:
you're saying what I'm thinking...
by investingdad
Tue Dec 26, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6475

Re: manual car for new teen driver

As a lifelong gearheard and manual transmission diehard, it pains me to say this but teaching a young person to drive a manual transmission in 2018 is a waste of time. Might as well teach them how to churn butter. My kids have have ingrained into them that they must learn to be proficient at drivin...
by investingdad
Mon Dec 25, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: FY17 Final, Personal Savings Rate
Replies: 26
Views: 2301

Re: FY17 Final, Personal Savings Rate

Olemiss540 wrote:
Sun Dec 24, 2017 6:31 pm
If you abide by the MMM definition, savings rate is defined as:

Saving/(Gross-Taxes)×100
I guess I made it needlessly complicated.

By this definition, saving rate was 33%.

If I add company match, 36%.
by investingdad
Sun Dec 24, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: FY17 Final, Personal Savings Rate
Replies: 26
Views: 2301

Re: FY17 Final, Personal Savings Rate

So I had to think about this for a moment... I looked at it this way. If I made 100k gross and saved 27k total, that is 27% of my gross. If 18k went to 401k, it means I saved 9k of what I brought home after tax. If I paid 20% tax after 401k was taken out, it means I brought home 65.6k. Saving 9k (wh...
by investingdad
Sun Dec 24, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: FY17 Final, Personal Savings Rate
Replies: 26
Views: 2301

FY17 Final, Personal Savings Rate

I think I get paid next week, and there may be a bill or two yet this year, but I think our savings rate for the year is final. [Edit - I used the MMM formula below, my brain was not fully engaged, let's blame the Christmas Eve eggnog] 33% This is about the same as last year. Income was higher but o...
by investingdad
Sun Dec 24, 2017 8:02 am
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23585

Re: 2nd million is easier!

I missed the conversation above when I first replied.

My view is pretty simple, my wife and I are very fortunate to be where we are financially and I have no complaints. I'm not bothered nor distressed by the handful of folks doing much better than us when we're already doing as well as we are.
by investingdad
Sat Dec 23, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: 2nd million is easier!
Replies: 123
Views: 23585

Re: 2nd million is easier!

Yes, it's easier.

First million at 39, second by 43. This year, 44, we added 550k.

I don't think this rate is sustainable.
by investingdad
Mon Dec 18, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 5645

Re: Spending on myself, am I off base here?

What happens to the rumor that all BHs are frugal? Why do you need to buy a second one? I’m with your wife here. Well, are BHs frugal to ensure financial independence? Or frugal for the sake of frugal? If I'm forecasting FI in about nine years by early 50s based on continuing what we're doing, and ...
by investingdad
Mon Dec 18, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 5645

Re: Spending on myself, am I off base here?

Oh no worries, we match well but there are some fundamental differences between us personality wise.
by investingdad
Mon Dec 18, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 5645

Re: Spending on myself, am I off base here?

The fact that your wife gave you grief for a year after agreeing to the first purchase suggests y’all have some deeper issues. Explore them. They are the cause. As far as treating the present symptom is concerned, there are a few options. Separate “fun” accounts might work. Selling the other machin...