Search found 347 matches

by mak1277
Thu Jul 27, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 38
Views: 2176

Re: Should I Quit my 6-figure job?

How much of a pay cut would you take if it meant potentially better job satisfaction? If I change jobs I will likely take pay cut after counting the retirement plan. Define "job satisfaction" for me. Personally, job satisfaction for me includes a ton of the things you mention (short commu...
by mak1277
Thu Jul 27, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 39
Views: 1828

Re: About to buy a rental car, any advice?

Does anybody know if Hertz even rents car to young kid? I think their cut-off is 25 year old. If you are looking at Mazda, are you in the region where cars rust? If so, avoid Mazda. This is the only brand of newer vehicles which I see rusted badly in our New England mega-corp parking lot. You have ...
by mak1277
Thu Jul 27, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Help with negotiating neighbor/yard drainage costs
Replies: 22
Views: 1033

Re: Help with negotiating neighbor/yard drainage costs

I think anything you can get your neighbor to agree too should be considered a surprising gift and you should be thankful for. I know if I were in your neighbor's shoes I wouldn't do anything for you.
by mak1277
Thu Jul 27, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 65
Views: 2421

Re: GF Picking a college major

Based on all this, what might be a good major for her? How about being an accountant? There's math involved, but it's not advanced calculus. Yes! I immediately thought of accounting when I read the OP. I was "weeded out" of premed when I was in college and switched to the business school ...
by mak1277
Tue Jul 25, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1023
Views: 244836

Re: Best watch for around $5,000?

I see myself engraving and passing this watch down to my kids as it is built to last. I strongly recommend you check out the Tudor Black Bay 36 if > 38mm watches are too big on your wrist. What would you suggest in a smaller watch like this that shows the date? I was also looking for a small watch ...
by mak1277
Mon Jul 24, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11007

Re: Books not to read.

I can't believe it took 113 replies to get a mention of Atlas Shrugged . I read Atlas Shrugged because of how much attention it was getting on the media and the Internet. After hearing a lot of people attack or defend the book, I figured I should read it for myself to see what the controversy was a...
by mak1277
Mon Jul 24, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11007

Re: Books not to read.

I can't believe it took 113 replies to get a mention of Atlas Shrugged . I read Atlas Shrugged because of how much attention it was getting on the media and the Internet. After hearing a lot of people attack or defend the book, I figured I should read it for myself to see what the controversy was a...
by mak1277
Wed Jul 19, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 11007

Re: Books not to read.

Don't read (finish) any book you don't like. There are way too many good books in the world to waste time on something you're not enjoying....go ahead, put it down.
by mak1277
Wed Jul 19, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 2747

Re: Indoor activities for a 3-year-old

Read books to him
by mak1277
Mon Jul 10, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11992

Re: How did you handle the costs of your child's wedding?

I will say, as a wedding guest, I truly appreciate big and expensive affairs. Attending a wedding with great food, free flowing drinks and good music is much more fun than attending a cheapo wedding. Do you give a proportionately larger gift when you attend weddings with great food, free flowing dr...
by mak1277
Mon Jul 10, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11992

Re: How did you handle the costs of your child's wedding?

I've always thought that guests should pay to attend the weddings - maybe by buying tickets. Why should you expect other people to pay for something that you would not be willing to pay for?..... My guess is very few people would be willing to pay the per person cost if it had to come out of their ...
by mak1277
Thu Jul 06, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Stress Testing Plans: How much stress?
Replies: 34
Views: 2408

Re: Stress Testing Plans: How much stress?

Personally, I know that the "4% rule" was based on the worst set of circumstances in past history...that's enough stress for me. Well, worst case in the United States, for a 30-year retirement period that potentially spends down the entire portfolio. It wouldn't have worked in a lot of ot...
by mak1277
Wed Jul 05, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11992

Re: How did you handle the costs of your child's wedding?

I will say, as a wedding guest, I truly appreciate big and expensive affairs. Attending a wedding with great food, free flowing drinks and good music is much more fun than attending a cheapo wedding.
by mak1277
Fri Jun 30, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Stress Testing Plans: How much stress?
Replies: 34
Views: 2408

Re: Stress Testing Plans: How much stress?

Personally, I know that the "4% rule" was based on the worst set of circumstances in past history...that's enough stress for me. Well, worst case in the United States, for a 30-year retirement period that potentially spends down the entire portfolio. It wouldn't have worked in a lot of ot...
by mak1277
Fri Jun 30, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Stress Testing Plans: How much stress?
Replies: 34
Views: 2408

Re: Stress Testing Plans: How much stress?

Personally, I know that the "4% rule" was based on the worst set of circumstances in past history...that's enough stress for me.
by mak1277
Wed Jun 28, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11992

Re: How did you handle the costs of your child's wedding?

I hear you - your daughter is lucky :) The only thing I have to add is to let your daughter make the calls (within the scope of your budget). A friend's dad demanded certain features at her wedding (i.e., chocolate fountain) that created a lot of tension during the planning process. Somehow I doubt...
by mak1277
Wed Jun 28, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1023
Views: 244836

Re: Best watch for around $5,000?

airahcaz wrote:Entry level Rolex is no longer "around $5000"


Oyster Perpetual models can still be found around $5k new.
by mak1277
Thu Jun 22, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 4118

Re: Is VG Total Stock Market Index too concentrated?

it just seems crazy to me that our market is so concentrated at the top where a single company like Apple can represent so much of the market. What I find interesting is that Apple has a PE ratio that is less than average for the S&P 500...so one could choose to argue it's not even fairly repre...
by mak1277
Thu Jun 22, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1160

Re: How do you approach your ESPPs

I sell 100% of my ESPP shares upon purchase and RSUs upon vesting. Proceeds from both go into my taxable account, which is my "money I don't have a current use for" bucket. At some point, that account will be drawn upon to purchase cars and put my son through College. It also serves as ad...
by mak1277
Wed Jun 21, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5438

Re: Alternatives to Amazon

The repeated attempts to delegitimize the OP's fear of Amazon delivery drivers are rather vicious. These repeated delegitimizing attempts strike me as, at bottom, a form of virtue-signaling. If people didn't feel an impulse to make themselves feel superior to others, I suspect very little would be ...
by mak1277
Wed Jun 21, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37880

Re: Regret early retirement/downsizing

I agree with that concept; otherwise, boredom would be a real risk for DW and me. I'll still take "bored and free" over "bored at work" any day though. I'll take "bored at work and paid enough to enjoy my time off" over "bored and unemployed 7 days a week" an...
by mak1277
Wed Jun 21, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37880

Re: Regret early retirement/downsizing

Question for those who retired "early". I am 61 and considering retirement (I can do it financially :happy ). Some writers on the subject say that you shouldn't just retire from something, you should have something to retire to. I have in mind the usual suspects: reading, volunteering, so...
by mak1277
Tue Jun 20, 2017 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37880

Re: Regret early retirement/downsizing

Question for those who retired "early". I am 61 and considering retirement (I can do it financially :happy ). Some writers on the subject say that you shouldn't just retire from something, you should have something to retire to. I have in mind the usual suspects: reading, volunteering, so...
by mak1277
Tue Jun 20, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: House selling - timeline question
Replies: 23
Views: 1843

Re: House selling - timeline question

I would interview 2 or 3 prospective realtors...and as part of the interview process I would get their point of view on whether or not any improvements were needed before they felt comfortable marketing the house. After my mother passed away, the first realtor we contacted told us that we needed to ...
by mak1277
Tue Jun 20, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5438

Re: Alternatives to Amazon

Knock on wood, but I've never had a single problem with Amazon. Never had an order delayed from the original expected ship date...never had a problem with returning anything...I think they're the bomb. Can't imagine trying any other seller until/unless I started having problems with stuff from Amazon.
by mak1277
Fri Jun 16, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37880

Re: Regret early retirement/downsizing

I am not seeing the irony. The first third of my life passed by way too fast. I spent the majority of it in school, the last few working. School for me was not a general American experience - I went to school in an environment where EVERYTHING was focused on getting the top grades (see tiger mom st...
by mak1277
Fri Jun 16, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37880

Re: Regret early retirement/downsizing

That is so true. I blink once and my life is already 1/3 the way complete. I just want to get home after my 9-6 and relax on my couch with a beer and PS4, to the extent my wife allows it. To be able to relax like that 24/7 is just something I cannot see myself hating. I find irony when reading thes...
by mak1277
Fri Jun 16, 2017 7:35 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13376

Re: Anyone else gotten totally bored with investing?

I found investing completely uninteresting before I found Bogleheads. It was really nice to stumble onto a philosophy that fit my mentality so perfectly. I don't want to have to *do* anything...or think about it. I love passive, index fund investing.
by mak1277
Fri Jun 16, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37880

Re: Regret early retirement/downsizing

That is so true. I blink once and my life is already 1/3 the way complete. I just want to get home after my 9-6 and relax on my couch with a beer and PS4, to the extent my wife allows it. To be able to relax like that 24/7 is just something I cannot see myself hating. I find irony when reading thes...
by mak1277
Thu Jun 15, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 37880

Re: Regret early retirement/downsizing

I know what you mean. But a lot of us are doing mind-numbing work everyday. I know it's taboo to admit but I am purely working to put food on the table. I may have a doctorate degree and a professional license but that doesn't mean I care about doing something meaningful or advancing the world. I j...
by mak1277
Mon Jun 12, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Advance career or take more time off in late 30s?
Replies: 15
Views: 1817

Re: Advance career or take more time off in late 30s?

Current employer: Employer: Wonderful company, fantastic medical benefits, accrued over 120+hrs of time off (accrual rate = a day off every 2 weeks) (not including federal and seasonal holidays), 401k (0.16% fee) with a company match of 7%. New employer: Benefits: 0hrs paid time off at start with a...
by mak1277
Fri Jun 09, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27435

Re: Where to Live on $60K or Less a Year?

Check out Lake of the Ozarks in the middle of Missouri. You can get a very nice 3-bedroom 1600 square foot condo with a great view and a dock for $200,000. Pools for grandkids, plenty to do in town. Beautiful weather 8 months of the year. Winters aren't great, but we're not talking blizzards like t...
by mak1277
Thu Jun 08, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 6373

Re: Housing is too expensive.

When I read "job is not secure", the first thought that comes to mind is that this is the perfect opportunity to at least investigation relocating to a lower COL area.
by mak1277
Wed Jun 07, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7277

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

I have a feeling that if I had given my wife some sort of material gift after the birth of either of our children, she would have slapped me for trying to objectify her role in the process with a reward. Why would you, or she, or anyone think about it as a "reward"? I think it's a commemo...
by mak1277
Wed Jun 07, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7277

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

I have a feeling that if I had given my wife some sort of material gift after the birth of either of our children, she would have slapped me for trying to objectify her role in the process with a reward. Why would you, or she, or anyone think about it as a "reward"? I think it's a commemo...
by mak1277
Wed Jun 07, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: My Wife is having our 5th child. What is an appropriately extravagant push gift?
Replies: 90
Views: 7277

Re: My Wife is having our 5th child. What is an appropriately extravagant push gift?

Definitely jewelry if she's into that. The pendant idea up above was a good one, but with 5 kids it would be tough...same with birthstones unless you have a few overlapping birth months. I'm not sure why there is so much pushback against a "push gift". Before this was even a common term, b...
by mak1277
Tue Jun 06, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 92
Views: 8955

Re: Worth it to buy expensive clothes?

There's a distinction between expensive and good quality. I'd definitely pay more for good quality, but I've found that they're not always directly correlated. Example: Brooks Brothers dress shirts are expensive, and they look nice. But the quality is garbage. I received several shirts a little ove...
by mak1277
Tue Jun 06, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 7251

Re: Flying first class, business, versus economy.

Personally, I'd rather spend money on first/business class flights than on fancy hotels (if I had to make a trade-off). To me, the difference between First and Economy in terms of my comfort and enjoyment is FAR greater than the difference between the Ritz and a Hampton Inn. That's interesting. I'm...
by mak1277
Mon Jun 05, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 7251

Re: Flying first class, business, versus economy.

Personally, I'd rather spend money on first/business class flights than on fancy hotels (if I had to make a trade-off). To me, the difference between First and Economy in terms of my comfort and enjoyment is FAR greater than the difference between the Ritz and a Hampton Inn.
by mak1277
Mon Jun 05, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 92
Views: 8955

Re: Worth it to buy expensive clothes?

There's a distinction between expensive and good quality. I'd definitely pay more for good quality, but I've found that they're not always directly correlated. Example: Brooks Brothers dress shirts are expensive, and they look nice. But the quality is garbage. I received several shirts a little ove...
by mak1277
Thu Jun 01, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9874

Re: Play Money for Spouse....

My spouse checks our CC's every morning on line and has caught fraudulent transactions several times. Always ahead of the CC company. I do agree that fraud detection is a poor reason for micro managing your spouse's expenses. No incentive for me to be more proactive in reviewing charges. I can unde...
by mak1277
Thu Jun 01, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9874

Re: Play Money for Spouse....

A couple different people have mentioned identity theft and/or stolen credit card numbers...which leads me to ask: Has anyone had a credit card number stolen and identified the situation *before* your credit card company? My wife and I have had our cards compromised 5 or 6 times over the past decad...
by mak1277
Wed May 31, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9874

Re: Play Money for Spouse....

I like to see anything that goes in or goes out of my finances. The request that it be cash via ATM withdraw is a red flag from me. I don't critique every purchase my wife makes - I just want to see it so I know it's a valid purchase and that it is a valid amount. I don't hold anything against her ...
by mak1277
Wed May 31, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9874

Re: Play Money for Spouse....

A couple different people have mentioned identity theft and/or stolen credit card numbers...which leads me to ask: Has anyone had a credit card number stolen and identified the situation *before* your credit card company? My wife and I have had our cards compromised 5 or 6 times over the past decade...
by mak1277
Tue May 30, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9874

Re: Play Money for Spouse....

I'd just load up a prepaid credit card with 6- or 12-months worth of whatever the monthly amount is going to be and let her rip.
by mak1277
Fri May 26, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Stock - Apple & Pharmaceutical
Replies: 22
Views: 1963

Re: Individual Stock - Apple & Pharmaceutical

I've never understood the donation argument. Instead of losing 24% to taxes, you lose 60%+ via donation. Well, I'm certainly biased to donating to charity because I've worked in the non-profit sector for many many years and have directly benefited from the largesse of charitable donors. :beer It ma...
by mak1277
Fri May 26, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Should I drink or sell my Pappy 12 year?
Replies: 65
Views: 7284

Re: Should I drink or sell my Pappy 12 year?

Thanks everyone. I got some great info here, as always, on all things. I'm keeping it. Going to try a few (or more than a few) Bourbons. And tell my buddy to stop by. Good choice. While I would never pay $1,000 for a bottle, I would absolutely keep a bottle I paid retail for. Having a half drunk bo...
by mak1277
Thu May 25, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Dating each signature? Letter rejected by Merrill Edge
Replies: 10
Views: 1621

Re: Dating each signature? Letter rejected by Merrill Edge

I'm not a lawyer, but I think a non-dated signature could be a legitimate legal issue. There was a date on the letter, just not on the individual signature. It was a one page document, so the date was not far from the signature. I was wondering about whether the signature itself needs to directly b...
by mak1277
Wed May 24, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 47
Views: 3016

Re: Advice on kid's precalc learning

For those people who use calculus regularly...wouldn't you say that a student struggling at pre-calc should probably consider a field where superior math skills are NOT necessary? To me, livesoft's point is right on the money...accept that there are plenty of fields where calculus isn't necessary an...
by mak1277
Wed May 24, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: When will used Rolex prices decline significantly?
Replies: 12
Views: 2633

Re: When will used Rolex prices decline significantly?

You can look on watch forums to get detailed ideas about the price behavior of specific models. Many watch snobs look down on Rolex, not considering it to be an elite brand. Again, watch sites can give you their thinking. If this is for personal use you can get comparable appearance and durability ...

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