Search found 946 matches

by investingdad
Sun Jul 24, 2016 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 132
Views: 11146

Re: Evicting a tenant-Hire lawyer?

My loser cousin passed bad checks to a grocery store. She was convicted and did jail time for her first offense.

Good luck, OP...sounds like you're in the right here.
by investingdad
Sun Jul 24, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Rules of Thumb: Max House Value as % of Net Worth?
Replies: 33
Views: 1430

Re: Rules of Thumb: Max House Value as % of Net Worth?

We are a good example of, "if I had known then, what I do now...". We have a nice home in a nice neighborhood. We paid 360k and financed 240k. That was six years ago, we sold our first house in the process. We were probably making about 160k at the time. Today, our base income stands at 97...
by investingdad
Sun Jul 24, 2016 11:35 am
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 54
Views: 4710

Re: Remind me once again why I can't time the market?

While I've done a rebalance once or twice based on market events, I think the temptation is greater when you have smaller portfolios. Once you've gone over a million or two, a few extra percent on a $1000 purchase is lost in the noise. Congrats OP for starting early...you're following in my footstep...
by investingdad
Wed Jul 20, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3026

Re: Orlando Disney Parks

Phineas and Ferb is actually pretty amusing. My kids like it, I do as well.
by investingdad
Wed Jul 20, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3026

Re: Orlando Disney Parks

If you have an Ebates account, click on the orbitz link for cashback. Right now Activities (what the DW tickets are classified under if you order through orbitz) is 3.75% cash back. Then through the Orbitz website, you can buy multi-day passes https://www.orbitz.com/things-to-do/walt-disney-world-r...
by investingdad
Tue Jul 19, 2016 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: I froze my credit, here's what happened next...
Replies: 20
Views: 3437

Re: I froze my credit, here's what happened next...

Unfreeze was a snap with Transunion. We just took out a car loan and I asked which agency they use, TU. Took me a few minutes online to do it. It was lifted for ten days per my direction. No problem at all. Had to do it after identity theft this year. The IRS is still working on our actual, paper re...
by investingdad
Mon Jul 18, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 132
Views: 11146

Re: Evicting a tenant-Hire lawyer?

david99 wrote:This is strange that she left all of her stuff behind. It's threads like this that keep me out of the rental business.

Amen.

I know it's lucrative for some...but I'll take my risk and returns via mister market. :sharebeer
by investingdad
Mon Jul 18, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: Bermuda cruise
Replies: 21
Views: 1585

Re: Bermuda cruise

We took the kids on their first cruise last fall, we are doing another this fall and probably more with them in the future. They really like it.

We opted for a balcony room...the extra openness was worth it.
by investingdad
Sat Jul 16, 2016 8:30 am
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3158

Re: Raising a reader

Our son is going to be 8 months old soon, and both my wife and I want to ensure that he gets into a habit of reading from an early age. What strategies have worked for parents here for that? Any ideas you guys can share? Thanks! Any ideas? Ok. The hard, hard truth is that universal literacy is vast...
by investingdad
Fri Jul 15, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Raising a reader
Replies: 53
Views: 3158

Re: Raising a reader

Read to them as babies, especially before bedtime.
by investingdad
Fri Jul 15, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Car Buying Dilemma
Replies: 53
Views: 4343

Re: Car Buying Dilemma

I have a Maxima and we just bought a new Murano.

Rather than a used Altima, have you considered a new Versa? I bet you could get price to buy below 10k...
by investingdad
Wed Jul 13, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Evicting a tenant-Hire lawyer?
Replies: 132
Views: 11146

Re: Evicting a tenant-Hire lawyer?

Please keep us updated...this is a fascinating story!
by investingdad
Mon Jul 11, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Building a (taxable) Bridge to Retirement
Replies: 39
Views: 3229

Re: Building a (taxable) Bridge to Retirement

Again...I was talking about the Traditional ira. We're not eligible for the Roth due to our income. I did max the Roth back when we could. We max our 401ks and HSA. Then you aren't eligible for a deductible traditional either. That cuts out before the ROTH does for people covered by a 401k at work....
by investingdad
Mon Jul 11, 2016 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Building a (taxable) Bridge to Retirement
Replies: 39
Views: 3229

Re: Building a (taxable) Bridge to Retirement

We both have sizeable IRAs that rolled over from 401k accounts more than a decade ago. Unless you have really great employer plans, you probably don't want to roll those IRAs into your 401ks. And that probably takes backdoor Roth IRA contributions off the table. Your best bet is to invest in taxabl...
by investingdad
Mon Jul 11, 2016 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Building a (taxable) Bridge to Retirement
Replies: 39
Views: 3229

Re: Building a (taxable) Bridge to Retirement

Thanks for the replies. I did think about a backdoor Roth, but I concluded that the tax hit on converting 750k ish would be significant. A great deal of that is from old 401k accounts.

I will do more research into SEPP.
by investingdad
Sat Jul 09, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Building a (taxable) Bridge to Retirement
Replies: 39
Views: 3229

Re: Building a (taxable) Bridge to Retirement

We both have sizeable IRAs that rolled over from 401k accounts more than a decade ago.
by investingdad
Sat Jul 09, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Building a (taxable) Bridge to Retirement
Replies: 39
Views: 3229

Re: Building a (taxable) Bridge to Retirement

Again...I was talking about the Traditional ira. We're not eligible for the Roth due to our income. I did max the Roth back when we could.

We max our 401ks and HSA.
by investingdad
Sat Jul 09, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Building a (taxable) Bridge to Retirement
Replies: 39
Views: 3229

Re: Building a (taxable) Bridge to Retirement

Let me clarify.

We max out our 401k and HSA accounts.

We earn well over the limit and cannot contribute to Roth IRAs, and have not been eligible for quite a few years.
by investingdad
Fri Jul 08, 2016 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Building a (taxable) Bridge to Retirement
Replies: 39
Views: 3229

Building a (taxable) Bridge to Retirement

I'm not sure if I've seen this discussed on here or not, it probably has been. About two years ago, at age almost 41, I made the strategic decision to stop funding our traditional IRAs. Why? Because in order to retire in our early fifties, I need a bridge of money to get us to 59.5, when I get acces...
by investingdad
Mon Jul 04, 2016 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3367

Re: Ever Feel Unworthy of Growing income?

Of the really high earning jobs out there...not sure medical doctors are the ones I'd pick on about whether they deserve their income. They do.
by investingdad
Sun Jul 03, 2016 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ever Feel Unworthy of Growing income?
Replies: 34
Views: 3367

Ever Feel Unworthy of Growing income?

So my wife just got a nice raise last week due to a few different factors, awesome. I realize there are a few folks on here that earn far more than we do, and that's cool. But going forward, we are on track to make 230k base and pushing 300k with bonus and stock awards. We are not in a high cost of ...
by investingdad
Sun Jul 03, 2016 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 10878

Re: Money vs. Happiness

Is starting a family important? If yes, then that should be a priority for you. Does moving make that easier? Then move. You said two years but are unsure if you can hang on? Try this thought experiment... Pull out your calendar and mark twelve months...tell yourself this is when you quit and are mo...
by investingdad
Sun Jul 03, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13003

Re: What do you spend your money on???

Two nice family vacations per year. Oldest starts middle school in the fall, half way through the years left for the family vacation. Do it while we can. I also golf but not much...did a lot before the kids, will do a lot after the kids move out. I love craft beer and spend...whatever...to enjoy it....
by investingdad
Sat Jul 02, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1705
Views: 397995

Re: What Book Are You Currently Reading? Part VI

Just finished Stephen King's Revival.

The first half of the book felt like a diary rather than a novel, as intended.

The man's genius continues to astound me...
by investingdad
Sat Jul 02, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 4370

Re: Your Favorite Factory Tours?

As an engineer, I've been inside a bunch.

Procter&Gamble where they made tp and paper towels. The rolls of paper were big enough to crush you.

The Kellogg cereal company where they made Raisin Bran and Froot Loops.

Fascinating stuff.
by investingdad
Wed Jun 29, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 5717

Re: Bogleheads, have we "arrived" ?

Monkey butlers that bring you fizzy drinks...?
by investingdad
Wed Jun 22, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 5586

Re: Should I express my inheritence thoughts to my father?

I'm not following the math here. If you've saved x dollars, and your siblings are each y dollars in debt, then the day before your father passes away, you will be x + y dollars ahead of your dear brothers and sisters. If you each inherit z dollars, aren't you still x + y dollars ahead? How can that...
by investingdad
Sat Jun 11, 2016 8:04 am
Forum: Personal Consumer Issues
Topic: Is it worth it for us to purchase an umbrella policy?
Replies: 47
Views: 4118

Re: Is it worth it for us to purchase an umbrella policy?

We have a $5 million umbrella for $420 a year.
by investingdad
Thu Jun 09, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: building a house- realtor recommends selling and renting?
Replies: 22
Views: 2202

Re: building a house- realtor recommends selling and renting?

We worked with our builder but didn't push start until a buyer was signed on our old house. BUT...we negotiated a rent back up front. So we rented our old house from the new buyer until a negotiated date that fell three weeks after closing on the new place. Tricky, but worked out great. It was over ...
by investingdad
Wed Jun 08, 2016 9:43 pm
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 11108

Re: What are your friends saying about you?

There is a scene in the Narnia books where using a magic spell to find out what her friends are saying about her causes Lucy grief, maybe you are better off not knowing :) I don't know about my friends, but certainly my kids aren't on board with some of my spending choices (no cable for example). B...
by investingdad
Sun Jun 05, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: Quality Coffee Maker?
Replies: 54
Views: 5026

Re: Quality Coffee Maker?

Well, we spent around $1200 on a nearly new, refurbished Jura Capresso full auto espresso maker a few years ago.

Swiss made.

It's now got 12,000 shots made on the counter and going strong.

I can recommend them for durability.
by investingdad
Fri Jun 03, 2016 5:01 pm
Forum: Personal Consumer Issues
Topic: neighbor issue - do I need a fence?
Replies: 90
Views: 6875

Re: neighbor issue - do I need a fence?

Something sort of briefly mentioned above, an RV can be difficult to maneuver. They swing wide and it is difficult to know where every corner is every second. Even if the wheels do not go over the lot line, the body may go over the lot line at some point. If the RV parks by where you are considerin...
by investingdad
Fri Jun 03, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: neighbor issue - do I need a fence?
Replies: 90
Views: 6875

Re: neighbor issue - do I need a fence?

Here's my experience with this sort of thing.

When you and the neighbor are friends, these exact encroachments are a non issue. When you're not, it will drive you insane.

Build the fence after getting the recorded survey. Done.

Good luck and update the thread!
by investingdad
Sat May 28, 2016 6:58 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 671
Views: 107293

Re: Boglehead Beer

I'll have to admit that beer is one thing I'm decidedly not bogle-ish about. I don't like the bitter over hopped everything's an ultra IPA trend in microbrews. But I also like bold flavor and can't stand watery brews like bud/coors. I'm a snob for German and Belgan brews particularly. German Oktobe...
by investingdad
Wed May 25, 2016 8:11 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4851

Re: Noise Reduction

Just an update -- we made an offer on a house and it was accepted. Assuming nothing falls thru, we are moving early august! New home in a cul-de-sac in a quiet neighborhood. Yay, problem solved. Of course after all that happened I downloaded a sound meter app. Standing outside yesterday at rush hou...
by investingdad
Wed May 25, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 4958

Re: How much do you spend on trips/vacations?

Our kids are 11 and 8. One big vacation per year, though doing two this year...maybe same next year. About 5k per pop. Been doing this since youngest was born.

Limited number of years for big family vacations, don't mind the cost.
by investingdad
Wed May 25, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4851

Re: Noise Reduction

Just an update -- we made an offer on a house and it was accepted. Assuming nothing falls thru, we are moving early august! New home in a cul-de-sac in a quiet neighborhood. Yay, problem solved. Of course after all that happened I downloaded a sound meter app. Standing outside yesterday at rush hou...
by investingdad
Tue May 24, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 101
Views: 6021

Re: Painting House Interior - How easy to do it yourself?

Painting rooms is easy, but like anything...your first attempt will not go as well as you'd want and you will pick up what works and what doesn't very quickly. Little things that come with experience... Easy does not mean no work...it's labor intensive. For example...bare feet and plastic drop cloth...
by investingdad
Thu May 19, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married and how to quit my job. This is follow-up post earlier post
Replies: 16
Views: 1650

Re: Getting married and how to quit my job. This is follow-up post earlier post

We had a promising, young engineer quit to...travel and play music. And he told us. We wished him luck and invited him to contact us if was interested in returning in the future.

Simple.

I recommend the same approach.
by investingdad
Mon May 16, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 671
Views: 107293

Re: Boglehead Beer

ATTENTION! If you like Dogfish Head 90 Minute IPA, may I recommend pairing it with a good quality soft cheese? I recently got Saint Andre, a French made brie and had some on crackers with a bottle of 90 minute. Oh. My. Goodness. Every swallow of 90 Minute was like the first swig..only better. That c...
by investingdad
Mon May 16, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 22591

Re: Rich But Middle Class

I understand the feeling. We live in SF Bay area and are in similar boat as you. We make some $2M+ a year, pay 50% in taxes, private school etc. Out xpenses are around 250k a year. I spent quite a bit of time thinking why I now feel poorer then I ever have. It has nothing to do with future, it has ...
by investingdad
Fri May 13, 2016 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 23790

Re: Physician Retirement Savings

It's funny, but I think a lot of times folks on here react to high net worth the same way the general population does when "typical" Boglehead levels of success are shared with them. Namely, a bit of skepticism or antagonism. I'm not a doctor, just an engineer with a wife working in financ...
by investingdad
Thu May 12, 2016 6:39 am
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 7216

Re: 30 minute commute?

I stopped complaining about my commute when co-worker told me that he is commuting from Poconos, PA to Manhattan everyday. http://martztrailways.com/departures-from-new-york/ Look up Wall St to Poconos, PA commute time :annoyed My in-laws have a summer place in the Poconos and when they first told ...
by investingdad
Wed May 11, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4386

Re: Is a home disaster looming? sump pump running constantly please help!

Our sump ran a lot at our last house because the builder did a poor job with grading. We were below the level of the front sidewalk and sitting in a bowl. A little rain and it ran well after the rain stopped. Terrible civil design. Current house is full walkout and sits on a slightly crowned lot. We...
by investingdad
Wed May 11, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4386

Re: Is a home disaster looming? sump pump running constantly please help!

Don't over think this. You just need to get the output from that white PVC to a downward slope at least 10 feet away from the foundation. jharkin is correct in that you have a recirculating water system here. With the first good rain you had all the water enter that perforated pipe which then leech...
by investingdad
Wed May 11, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4386

Re: Is a home disaster looming? sump pump running constantly please help!

You may want to hire a civil engineering firm to investigate this properly. If you are under warranty, the builder will delay and stone wall until you are OUT of warranty. But with an engineers report you have real ammunition. If there is something going on that wasn't disclosed you may have a sound...
by investingdad
Tue May 10, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4851

Re: Noise Reduction

I heard every noise outside my 1960 house when I first had it. After I had the place airsealed, added attic insulation and new storm windows, it is now much quieter, which was not the intent. Most sound comes in through the same cracks that air drafts take in and out. If your place is drafty, fix t...
by investingdad
Tue May 10, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4851

Re: Noise Reduction

Yes, also scarred. The guy on the ATV leads to a cold sweat and I know it wouldn't if I hadn't listened to it everyday for years and years fifty feet outside my back door. When I hear it I feel like I've repeated the same mistake even though I know I haven't.
by investingdad
Tue May 10, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 7216

Re: 30 minute commute?

I used to drive an hour around Philly on all the fun highways. Before that, an hour around lower Bucks county in suburban traffic. Ugh. For the last decade, about 35 minutes in the morning through the countryside. Home about forty minutes because it takes a few extra minutes to get out of the mile o...
by investingdad
Tue May 10, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: Noise Reduction
Replies: 59
Views: 4851

Re: Noise Reduction

I have LIVED this. We built our first house backing to a two lane road. I had no experience with road noise. Suddenly I did. Our first night in our first house and I was wondering how long until I could convince my new wife to move. Answer: 8 years until we got out of there. Here's what I did...pla...

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