Search found 648 matches

by mak1277
Wed May 23, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 96
Views: 4035

Re: How have you upgraded your wardrobe?

Countermoon wrote:
Wed May 23, 2018 12:28 pm
I used to wear a lot of Brooks Brothers but almost all of their shirts are the non-iron, which I can't stand.
I literally wouldn't buy a dress shirt that I have to iron in this day and age.
by mak1277
Wed May 23, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 96
Views: 4035

Re: How have you upgraded your wardrobe?

Where are all these jobs that let you wear jeans? :confused I would love to wear my Wal-Mart Wranglers all day everyday. (I even sleep in them occasionally.) Apparently I missed the Life mini-lotto... I've never worn anything other than jeans for my entire 20 year career. I also would never take a ...
by mak1277
Wed May 23, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 38
Views: 1675

Re: Buying a Woman's Tag Heuer On-line

I'm also interested to hear from anyone who has made an expensive purchase from Jomashop (i.e. >$1,000). I browse quite often, but haven't been able to pull the trigger on anything given that it's not an authorized retailer. Omega Seamaster Aqua Terra from Jomashop. It was over $1,000 cheaper than ...
by mak1277
Wed May 23, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1542

Re: Babymoon - Hawaii Recommendations/Expected Costs

I guess some, like you, see it as the end of life as they know it and feel a sudden need to do a last hurrah. Others of us just saw having children as the next step in life and welcomed the new opportunity for family trips, having already taken many vacations before they ever came along. To each th...
by mak1277
Wed May 23, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 38
Views: 1675

Re: Buying a Woman's Tag Heuer On-line

Pajamas wrote:
Wed May 23, 2018 9:20 am
mak1277 wrote:
Wed May 23, 2018 9:18 am
Pajamas wrote:
Wed May 23, 2018 9:12 am

Be aware that Costco has sold gray market watches.
gray market is not a synonym for fake.
I didn't imply that it was.
Ok, then what was the implication? Who cares if Costco sells gray market watches?
by mak1277
Wed May 23, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 38
Views: 1675

Re: Buying a Woman's Tag Heuer On-line

Pajamas wrote:
Wed May 23, 2018 9:12 am
sk2101 wrote:
Wed May 23, 2018 8:00 am
helloeveryone wrote:
Tue May 22, 2018 4:33 pm
Costco has good name brand watches for what appears to be a good price. They don't have TAGs though.
My Costco has Tags in store from time to time.
Be aware that Costco has sold gray market watches.
gray market is not a synonym for fake.
by mak1277
Wed May 23, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 38
Views: 1675

Re: Buying a Woman's Tag Heuer On-line

Here's the way I go about this. First, I would find out what kind of discount an authorized dealer would give you. For a tag, you should not have to pay full retail, even in a store. Then I would figure out what the cost of a normal servicing of the watch would be. If the cost of 1 servicing plus th...
by mak1277
Wed May 23, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1542

Re: Babymoon - Hawaii Recommendations/Expected Costs

Hawaii is amazing. Maui and Kauai are both awesome...I'd probably recommend Maui for a first trip.

But I also agree with the people saying 3/4 nights isn't enough. My wife and I honeymooned on Maui for 6 nights...definitely not enough time considering the length of the flights.
by mak1277
Mon May 21, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Using the 3% SWR While Still Working
Replies: 9
Views: 1128

Re: Using the 3% SWR While Still Working

I haven't thought about it in the same terms as you have, but I definitely have loosened the purse strings based on where we are financially. I have never viewed frugality for frugality's sake as a noble pursuit, so realizing that I'm already at a 3% WR for retirement (plus savings for kid's college...
by mak1277
Fri May 18, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Buy now and wait one more year to move in?
Replies: 17
Views: 1835

Re: Buy now and wait one more year to move in?

What about new construction? You could "buy" now with just a deposit and move in later when the build is done. Less fuss than buying/renting.
by mak1277
Thu May 17, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing in 8 years. Buy now?
Replies: 18
Views: 1631

Re: Downsizing in 8 years. Buy now?

With interest rates going up and the price of housing going up (doubling every 10 years in my area), ... Housing goes through periodic slumps. It may seem like a straight trajectory up, but it's not. We've owned 3 homes in 30 years in 3 different areas of the country. There were really soft housing...
by mak1277
Thu May 17, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: 2018 Yellowstone Trip advice needed
Replies: 20
Views: 1332

Re: 2018 Yellowstone Trip advice needed

My advice would be to fly into Jackson or Idaho Falls, Idaho...that six hour plus drive from SLC sounds miserable to me.
by mak1277
Wed May 16, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8434

Re: Golden Handcuffs

The benefits you talk about aren't necessarily the golden handcuffs some speak of. If you have 5 years worth of unvested stock awards that total $100k, that is a handcuff as compared to a 401k match. A pension funded by the employee may or may not be a handcuff. A 401k with a good match is also a r...
by mak1277
Tue May 15, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Helping someone with Cancer
Replies: 21
Views: 1307

Re: Helping someone with Cancer

When my mom was diagnosed with cancer I read a very helpful book called Help Me Live: 20 Things People with Cancer want you to know . I'm sure it's still available. I think what my mom appreciated most was having someone come clean her house for her. She was too tired to do it herself but felt guilt...
by mak1277
Tue May 15, 2018 7:43 am
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2604

Re: How did you fall in love with investing?

I'm not in love with investing. I think it's boring. IMO, if you are doing it right it certainly isn't exciting. In any event, I wish you success at your new passion. This. The reason I love the boglehead philosophy is because I don't have to think about investing at all...ever. I have my 3 fund po...
by mak1277
Mon May 14, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: How do stock buybacks work, and how do index funds handle them?
Replies: 17
Views: 1640

Re: How do stock buybacks work, and how do index funds handle them?

Share buybacks don't automatically reduce market cap. First, share buy backs affect market cap in exactly the same way as dividends. In theory the market cap should drop by the amount of cash returned to the shareholders. But this isn't the way it works in practice. First, the company is buying bac...
by mak1277
Mon May 14, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: How do stock buybacks work, and how do index funds handle them?
Replies: 17
Views: 1640

Re: How do stock buybacks work, and how do index funds handle them?

Corporation B, instead of a dividend, does a stock buyback of half their shares. Since the buybacks are done on the active market, none of the shares Vanguard owns are bought back. This action reduces Corp B's market cap to $500m, but each share is now worth double the percentage of the company tha...
by mak1277
Mon May 14, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4452

Re: Which City to spend 4-6 weeks?

Since you said the timing is flexible...

If it was me, I'd follow Hemingway's tracks from Sun Also Rises. Paris...Madrid...Pamplona for running of the bulls. This would be June/July rather than May/June though.
by mak1277
Mon May 14, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon or other Nat'l Park in October?
Replies: 44
Views: 2331

Re: Grand Canyon or other Nat'l Park in October?

Another thought is to fly into SLC and down to Zion -- a very spectacular park in its own right. Head down I-15 to Zion, then take 389 east to 89 and see Bryce. Then 70 East to 191, and Moab to see Arches and the Canyonlands. Why not fly into Vegas for a trip to Zion? It's much closer than SLC. Zio...
by mak1277
Fri May 04, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7850

Re: Bucket List Adventures/Activities

1. Visit Bora Bora 2. African safari (check out Ngorongoro Crater) 3. See the Northern lights 4. Visit Kakslauttanen Arctic Resort (stay in an igloo) 5. Travel Southeast Asia (Bangkok, Singapore (check out Marina Bay Sands), Vietnam, Bali, etc.) 6. Visit the Galapagos Islands 7. Drive the Pacific C...
by mak1277
Thu May 03, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7850

Re: Bucket List Adventures/Activities

Mine changes as things in my life change...my current fluctuating list of goals includes: - relearning French to the point of being able to read literature. I have vague memories of reading Le Petit Prince in the original French back in high school and I'd like to get back to that point. - I'm curre...
by mak1277
Tue May 01, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8608

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

As a dad, I would not only ask to be notified daily, I will demand it. Their experience and freedom will not be compromised if they take 5 seconds out of the day to send a text. You can even make a code word for them to send you once a day. The word will be their way of telling you everything is go...
by mak1277
Mon Apr 30, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8608

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Make sure they're taking a reliable vehicle and know basic car maintenance (at least how to jump it and change a tire). They have a reliable vehicle, loaned by one of the dads, and our daughter is a member of AAA because she drives 3 hours home from school. gasdoc AAA membership is a safety net...b...
by mak1277
Mon Apr 30, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8608

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Make sure they're taking a reliable vehicle and know basic car maintenance (at least how to jump it and change a tire).
by mak1277
Fri Apr 27, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Helping a niece begin investing
Replies: 13
Views: 1007

Re: Helping a niece begin investing

I think this is a fine idea, but it doesn't sound like she can afford to contribute to a Roth. I would argue that a $12K emergency fund is a very good idea for a young person who is considering getting more education. This. I would never suggest someone lock their money up in investments (retiremen...
by mak1277
Fri Apr 27, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3186

Re: How stressful is buying a home?

threebuns wrote:
Fri Apr 27, 2018 3:14 pm
. All of the chores you used to hate around the house, actually become more enjoyable when the house is yours.
Completely disagree with this! All of those things are still horrible.
by mak1277
Fri Apr 27, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: How stressful is buying a home?
Replies: 56
Views: 3186

Re: How stressful is buying a home?

If you're a person who routinely feels "stressed", then buying a home probably will be stressful. If you're not, it probably won't but unless you hit problems. I've bought two houses and neither felt stressful in the slightest, but they were both turnkey, only minor issues with inspections, no probl...
by mak1277
Fri Apr 27, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7440

Re: Money vs. Work-life balance

So the big unknown is how bad the financial issues are. Is it, "not going to get a bonus" bad, "soon to be layoffs" bad or "bankruptcy" bad? All things being equal, if I was making >$200k and had great work/life balance and the flexibility you describe, there's no chance I'd be looking elsewhere. I ...
by mak1277
Fri Apr 27, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10764

Re: Amazon to raise Prime membership in US to $119 from $99

I won't need Prime even Amazon offer me it for free. I like to feel and touch my purchase rather than on the computer screen. I want to support my local B&M store not look at at store then buy on-line for couple of penny saving. My state has sales tax for Amazon purchase and I think every state sho...
by mak1277
Fri Apr 27, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10764

Re: Amazon to raise Prime membership in US to $119 from $99

Amazon has hooked me...I don't think my inner child can ever regain the patience required to move away from 2-day shipping. I loathe buying things from other online retailers when I have to wait up to a week for a package. Being a new parent, it's especially nice...know you're going to need somethin...
by mak1277
Wed Apr 25, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Does it ever make sense to not contribute to retirement accounts?
Replies: 30
Views: 2424

Re: Does it ever make sense to not contribute to retirement accounts?

I personally find that optimization of anything is rarely worth the effort. If I had 8 figures, I sure as heck wouldn't be worrying about how to save a fractional percentage of taxes. Heck, I'm not even worried about that now.
by mak1277
Wed Apr 25, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 2793

Re: Rebating buyer's agent for 1st time single-family home purchase

HoosierJim wrote:
Wed Apr 25, 2018 1:18 pm
mak1277 wrote:
Mon Apr 23, 2018 12:58 pm
It's the seller who is paying the commission, not the buyer.
Who is paying the seller?
If I'm the seller, I'm not going to accept a lower offer just because the buyer doesn't have an agent. That's all I'm saying...don't expect to get a better deal as the buyer by forgoing a buyer's agent.
by mak1277
Wed Apr 25, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 48
Views: 5148

Re: Schwab Vs Fidelity Vs Vanguard

Inertia rules the day. I have money at Fidelity and Vanguard. With Vanguard, it takes me about 30 seconds to invest more money online, and I've yet to need to call customer service. I have no reason to switch. If I had initially invested at Schwab, I'm fairly certain I'd be making the same comment.
by mak1277
Wed Apr 25, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 5950

Re: Who benefits from "best and final offer" on condo?

Some people just want to get the sales process over and done with, and are unconcerned (or less concerned) with squeezing every last drop of money out. The seller asked for best and final, you ignored the request, now you're unhappy and looking for answers...but maybe the seller just did best and fi...
by mak1277
Mon Apr 23, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 40
Views: 2793

Re: Rebating buyer's agent for 1st time single-family home purchase

From my point of view, there's no downside to getting a buyer's agent. It's the seller who is paying the commission, not the buyer. And if you don't have a buyer's agent, the total commission (usually) isn't going to change, so it's not like you're likely to get a discount because you have no agent.
by mak1277
Fri Apr 20, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11380

Re: Quitting job - what to do if getting walked to the door

Several people talked about forwarding emails and sending personal stuff from your work computer to a personal email. Just be aware that this alone may trigger someone's attention. My company often identifies people who are leaving from email activity before they even give notice. If you send a huge...
by mak1277
Thu Apr 19, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 6825

Re: Your Money Or Your Life

Some people (me, at least) just don't want to be forced to work at all. The things I love doing I would quickly start to hate if I *had* to do them for a job. I pursue FIRE so I can do whatever I want without the obligations associated with a job. I hear you, but the point still remains. You can't ...
by mak1277
Wed Apr 18, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: Your Money Or Your Life
Replies: 49
Views: 6825

Re: Your Money Or Your Life

Why live like a slave, doing something you hate, just looking forward to the time you can quit and do nothing? Or finally do the thing you like but can't seem to lower your lifestyle to afford? Find something you enjoy, or better, LOVE, and do it always. Good financial habits are the weapon that ke...
by mak1277
Mon Apr 16, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: If home prices decline but mortgage rates keep rising
Replies: 25
Views: 2817

Re: If home prices decline but mortgage rates keep rising

I've been looking to buy a house but hesitant given how much home prices have skyrocketed in recent years. Article after article says homes are overvalued, could be in a bubble, and "shouldn't" rise as much as they have in recent years (i.e. home values only generally rise with inflation I believe)...
by mak1277
Wed Apr 11, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 1924

Re: Driver's permit before 18 - Any financial incentive

Following this with interest. My intention with my 14 year old is to support her getting a drivers license at 16 (min age in my state), but do not plan to allow her to drive until she can pay the gas and insurance and for the car itself. She has a good head on her shoulders, and I think she'll figu...
by mak1277
Tue Apr 10, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 1924

Re: Driver's permit before 18 - Any financial incentive

My parents were happy to have another person in the house to run errands and drive myself to school . Around here, they have these yellow vehicles called "school buses" that transport kids to and from school. They look like this: https://www.naschools.net/cms/lib/MA02202086/Centricity/Domain/7640/C...
by mak1277
Tue Apr 10, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Driver's permit before 18 - Any financial incentive
Replies: 52
Views: 1924

Re: Driver's permit before 18 - Any financial incentive

I got my license at 16 and got my first job almost immediately thereafter so that I could pay for gas money. My parents were happy to have another person in the house to run errands and drive myself to school. I was happy to have limited freedom and the job was the best thing that ever happened to me.
by mak1277
Tue Apr 10, 2018 9:57 am
Forum: Investing - Help with Personal Investments
Topic: CD market values down after purchase; why?
Replies: 20
Views: 1957

Re: CD market values down after purchase; why?

In answer to the person who wondered why OP would buy a brokered CD - cannot answer for him. But in my case, had two reasons. First, to temporarily earn a little more than what the cash portion of the taxable account was paying. Second, another time, to earn a little more cash inside an IRA than wh...
by mak1277
Fri Apr 06, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Your Monthly Cost of Living
Replies: 66
Views: 7034

Re: Your Monthly Cost of Living

I'd love to participate but I only track total monthly outflow...no categories.
by mak1277
Fri Apr 06, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Second home [buy with retirement funds?]
Replies: 51
Views: 3121

Re: Second home [buy with retirement funds?]

From my own experience: Second homes are great the first few years (say, 5) but become less interesting in subsequent years. Same, same views/stuff, plus minor maintenance issues become annoying chores. You go there less frequently, so every time you go there is something that requires fixing. WiFi...
by mak1277
Wed Apr 04, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity
Replies: 6
Views: 1327

Re: Moving from Vanguard to Fidelity

mega317 wrote:
Wed Apr 04, 2018 2:30 pm

Cons: seems like a waste of time if you don't already have a good reason.
This is pretty much my point of view.
by mak1277
Wed Apr 04, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 4120

Re: Builder wants $800 to vent a gas cooktop

What's the point of buying new construction if not to have the option to choose (more or less) what you want? Do you want the external vent? If so, $800 is a rounding error on the price of the home and not worth worrying about. If you don't care, then save the money. The cost in this case is really ...
by mak1277
Wed Apr 04, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: College freshman shopping—what don’t we need?
Replies: 45
Views: 2904

Re: College freshman shopping—what don’t we need?

Hard to say what you don't need when you don't put forth a list.
by mak1277
Tue Apr 03, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 11300

Re: What age is the best to give a child control of an inheritance?

I'm curious what the consensus would be around here in terms of the amount of money needed for it to be "worth it" to set up a trust, as opposed to just a straight inheritance (obviously talking about a situation once a child is 18+ and you're no longer worried about formative care).
by mak1277
Mon Apr 02, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: What age is the best to give a child control of an inheritance?
Replies: 192
Views: 11300

Re: What age is the best to give a child control of an inheritance?

If DD continues on her premed/med path, there will be little time to truly learn money management, other than maybe simple budgeting. A medical education is pretty much all in, with little time for "hobbies." I wouldn't expect her to have much time prior to age 35 to educate herself in areas outsid...