Search found 451 matches

by mak1277
Fri Nov 17, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 161
Views: 13129

Re: Why NOT make more money?

Is it "put the pin" or "pull the pin"? Not being native American speaker, these type of idioms always gets me. https://www.usingenglish.com/reference/idioms/pull+the+pin.html What does 'Pull the pin' mean? If you pull the pin, you put an end to something, quit or resign. Personally, I always assume...
by mak1277
Fri Nov 17, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 36
Views: 3265

Re: Upgrading a flight - what are your rules?

My rules:
Under 2 hours = coach
2 - 4 hours = economy plus
4+ hours = business/first
by mak1277
Tue Nov 14, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 44
Views: 2329

Re: Paying for news?

I can't honestly think of anything internet-related that I would pay for. If bogleheads (or any other website I read) started charging tomorrow, I'd never be back.
by mak1277
Tue Nov 14, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7193

Re: Personal letters to the sellers of your house can work!!!

Never say never, but I am 99% certain I will never: make an offer above asking price or waive inspection contingency. Those are two things I'm just not comfortable with and I'm willing to miss out on any house that requires it. You look at two houses - one has an asking price of $190K and the other...
by mak1277
Tue Nov 14, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7193

Re: Personal letters to the sellers of your house can work!!!

Never say never, but I am 99% certain I will never: make an offer above asking price or waive inspection contingency. Those are two things I'm just not comfortable with and I'm willing to miss out on any house that requires it. You look at two houses - one has an asking price of $190K and the other...
by mak1277
Mon Nov 13, 2017 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: How do you project the amount you will have to spend annually in retirement?
Replies: 76
Views: 4136

Re: How do you project the amount you will have to spend annually in retirement?

Current Expenses - Principle and Interest on mortgage + Estimated incremental healthcare expense = Projected expenses Projected Expenses * 33.3 = Needed investable assets for retirement. I aim to sell my current house and downsize in retirement, so I will be eliminating my PITI payments. I expect th...
by mak1277
Mon Nov 13, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16183

Re: Flying first class, business, versus economy.

dbr wrote:
Fri Nov 10, 2017 8:14 pm
Also you can afford a pretty nice place to stay for the money saved on airfare.
This is where personal preference plays in. I'd much rather fly first class and stay in an "average" hotel than fly coach and stay in a great hotel.
by mak1277
Fri Nov 10, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 161
Views: 13129

Re: Why NOT make more money?

kenoryan wrote:
Fri Nov 10, 2017 4:25 pm
My solution to this is to take more time off work. Go part time. That way you can enjoy time off and keep earning money for the business class flights too.
Nice gig if you can get it. I would guess the majority of people who aren't self-employed don't have this option.
by mak1277
Fri Nov 10, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 161
Views: 13129

Re: Why NOT make more money?

The potential problem for me is: Why not make more money to fly in business class, to slow travel overseas in good hotels 6 months every year, to eat lobsters every week, and to buy a luxury car every three years? If those things are important to you, then you should keep working. I'm fairly vocal ...
by mak1277
Fri Nov 10, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

flyingaway wrote:
Fri Nov 10, 2017 11:49 am
Maybe we can also ask: why NOT make more money?
Money is a means to an end, not the end itself. Once I have enough money there is no point in making more just for the sake of making it.
by mak1277
Fri Nov 10, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7193

Re: Personal letters to the sellers of your house can work!!!

Never say never, but I am 99% certain I will never: make an offer above asking price Local markets vary and even a local market can vary depending on the state of the local market. In some areas, asking prices are set low to encourage offers but the selling price is significantly higher, basically ...
by mak1277
Fri Nov 10, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7193

Re: Personal letters to the sellers of your house can work!!!

Never say never, but I am 99% certain I will never: make an offer above asking price or waive inspection contingency. Those are two things I'm just not comfortable with and I'm willing to miss out on any house that requires it. The pre inspection was literally the same thing as a full inspection ex...
by mak1277
Fri Nov 10, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7193

Re: Personal letters to the sellers of your house can work!!!

Never say never, but I am 99% certain I will never: make an offer above asking price or waive inspection contingency. Those are two things I'm just not comfortable with and I'm willing to miss out on any house that requires it. The pre inspection was literally the same thing as a full inspection ex...
by mak1277
Fri Nov 10, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 72
Views: 7193

Re: Personal letters to the sellers of your house can work!!!

Never say never, but I am 99% certain I will never: make an offer above asking price or waive inspection contingency. Those are two things I'm just not comfortable with and I'm willing to miss out on any house that requires it.
by mak1277
Thu Nov 09, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: How to buy a new car with a trade-in.
Replies: 24
Views: 1518

Re: How to buy a new car with a trade-in.

Last time I bought a new car, the dealer offered to match whatever I could get at Carmax for my trade.
by mak1277
Thu Nov 09, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

Reading from this thread, there are folks that wouldn't want to be at their job if not for money. They rather spent time at home and/or other leisure activities. It's sad that this group cannot find purpose and fulfillment with their career. It's horrible if you spend your entire working life witho...
by mak1277
Thu Nov 09, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: BH Ideal net worth allocation
Replies: 22
Views: 2837

Re: BH Ideal net worth allocation

for me, "ideal" would be 100% cash with enough to last me about 100 years. Realistically...I honestly don't care about the %'age of my NW that's tied up in my house, as long as my investable assets are sufficient to support what I need (e.g., retirement). Beyond that, if I was "overweight" equity in...
by mak1277
Wed Nov 08, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12673

Re: How old are you and how much do you save for retirement a year

I'm 40.

I don't know the answer to the question though. Max my 401k...whatever is left over after spending gets saved, but it's different every year.
by mak1277
Tue Nov 07, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

Considering it wasn't that long ago that people worked dusk to dawn to either grow, hunt or gather food and water their entire lives (and in many places I am sure they still do) I can't see where our society has placed an increased burden on us. If I remember correctly when Social Security was orig...
by mak1277
Tue Nov 07, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

Considering it wasn't that long ago that people worked dusk to dawn to either grow, hunt or gather food and water their entire lives (and in many places I am sure they still do) I can't see where our society has placed an increased burden on us. If I remember correctly when Social Security was orig...
by mak1277
Tue Nov 07, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

basically, our society has dictated that our main purpose for existence is to work to make money. Yes, some people like their work...but many do not. Sad when you think about it. This... sad, but true. Can't recall the source but recently read, paraphrasing: initially you trade your freedom for sec...
by mak1277
Tue Nov 07, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

basically, our society has dictated that our main purpose for existence is to work to make money. Yes, some people like their work...but many do not. Sad when you think about it. This... sad, but true. Can't recall the source but recently read, paraphrasing: initially you trade your freedom for sec...
by mak1277
Mon Nov 06, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

97% was in my original post...it's my (completely unscientific) estimate of how many people over-estimate the importance of their work. Okay - I believe your SWAG of 97% is off by a very large margin. The lack of skilled labor in this county is now being blamed for inhibiting growth. In many market...
by mak1277
Mon Nov 06, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

97% was in my original post...it's my (completely unscientific) estimate of how many people over-estimate the importance of their work. Okay - I believe your SWAG of 97% is off by a very large margin. The lack of skilled labor in this county is now being blamed for inhibiting growth. In many market...
by mak1277
Mon Nov 06, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

Continuing to be a productive member of society. I sincerely believe that most people (my SWAG would be 97% or more) grossly overrate their value to society in terms of their profession. I know that I have never, through my work, provided any actual value to society. I believe that a person's role ...
by mak1277
Mon Nov 06, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

I'm not at that point yet, but I imagine working becomes a lot more enjoyable when you are FI. I noticed once I realized how close I am getting to FI, my work got a lot less stressful. I make a good amount, but I don't 'need' to make that much. That's a lot better situation than most are in, where ...
by mak1277
Mon Nov 06, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

Continuing to be a productive member of society. I sincerely believe that most people (my SWAG would be 97% or more) grossly overrate their value to society in terms of their profession. I know that I have never, through my work, provided any actual value to society. I believe that a person's role ...
by mak1277
Mon Nov 06, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12826

Re: Why make more money?

Continuing to be a productive member of society. I sincerely believe that most people (my SWAG would be 97% or more) grossly overrate their value to society in terms of their profession. I know that I have never, through my work, provided any actual value to society. I believe that a person's role ...
by mak1277
Sat Nov 04, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4636

Re: This is why I'm glad I started investing at 23

Either you pay now or you pay later, I chose to take the pain upfront when others were too busy donating to the AnheuserBusch retirement fund. :wink: Oh, come on now. :D Beer consumption is highly unlikely to be a make or break part of ones overall financial strategy. Expensive travel. Vacation hom...
by mak1277
Thu Nov 02, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Job search techniques and etiquette
Replies: 5
Views: 434

Re: Job search techniques and etiquette

All of the above... You absolutely have to suck it up and work with as many recruiters as you can find. Only when searching for a job did I realize the value of cultivating recruiter relationships during my career. When I was actively looking to leave Big 4 I was working with at least a half dozen r...
by mak1277
Thu Nov 02, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2875

Re: Do you Mow your own Lawn?

Lawns require too much water, which can get very expensive. I'd rather drink it or having it for bathing purposes. We are in a drought in California (although not at the moment), so we got rid of all our lawns (and the work they require) and put in dymondia as a ground cover instead. No mowing need...
by mak1277
Thu Nov 02, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2875

Re: Do you Mow your own Lawn?

As a kid I was forced to mow our lawn...I'm convinced that's why I hate it so much. Now I pay someone to do it for me. Maybe when I retire and have more time, I'll go back to mowing it myself, but as long as I'm working I'll hire it out. The guys I pay do a MUCH better job than I would if I did it m...
by mak1277
Tue Oct 31, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15015

Re: What was the main reason you retired?

This thread is absolutely fascinating. I'm learning a lot. I think I'm one of the odd ducks because I have no concept of "retirement" in a generic sense. I've mostly been doing what I love, making a living at it, and having so much fun I'd do it "fer free" (like Forest Gump mowing lawns). Why? I lo...
by mak1277
Mon Oct 30, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15015

Re: What was the main reason you retired?

Take the example of two siblings, one works their tail off for 35 years, picks a career which earns a pension and also allows accumulation of a lot of wealth. The other sibling is a party animal who puts a lower priority on career and therefore, has little in the bank to show for it. Should we feel...
by mak1277
Wed Oct 18, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u say?
Replies: 45
Views: 2351

Re: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u

cadreamer2015 wrote:
Wed Oct 18, 2017 1:15 pm
Is this actionable?
I think we as users should all agree to let mods mod...and not attempt to mod ourselves.

PS - If cadreamer2015 actually is a mod, I apologize.
by mak1277
Wed Oct 18, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6262

Re: Trash dumped on curb (need advice)

... I think an apartment/condo is a different story. I'm talking solely about HOAs in single family home communities. It seems to me they exist as a way to justify the actions of nosy neighbors who think they know better than you . I'm sorry your current HOA is a pain. But in this case, the OP *doe...
by mak1277
Wed Oct 18, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 10107

Re: how long did it take to get used to retirement

I have been retired for about a decade. The question you ask doesn't make sense to me... I never really got used to working. I am so busy... I don't know how I ever found the time to work. I think retirement is my natural state. --vtMaps I'm not retired yet, but this encapsulates my answer. I feel ...
by mak1277
Wed Oct 18, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6262

Re: Trash dumped on curb (need advice)

... I think an apartment/condo is a different story. I'm talking solely about HOAs in single family home communities. It seems to me they exist as a way to justify the actions of nosy neighbors who think they know better than you . I'm sorry your current HOA is a pain. But in this case, the OP *doe...
by mak1277
Mon Oct 16, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6262

Re: Trash dumped on curb (need advice)

I think an apartment/condo is a different story. I'm talking solely about HOAs in single family home communities. It seems to me they exist as a way to justify the actions of nosy neighbors who think they know better than you. I disagree. I have friends on the west coast who live in a neighborhood ...
by mak1277
Mon Oct 16, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6262

Re: Trash dumped on curb (need advice)

It isn't easy in some places to find property that is NOT governed by an HOA. I know that personally, I will never again live in an HOA community if/when I move again. I would not want to live in an apartment that didn't have a good board and management that intervened when other residents do thing...
by mak1277
Mon Oct 16, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6262

Re: Trash dumped on curb (need advice)

HOA's do not exist to be useful. They are a way for a minority of homeowner's to control their neighbors and a source of harassment and taxes. How true. Well said. My personal experience is that HOAs and similar can protect the majority of homeowners from the selfish and sometimes illegal behavior ...
by mak1277
Mon Oct 16, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Trash dumped on curb (need advice)
Replies: 60
Views: 6262

Re: Trash dumped on curb (need advice)

What's the health hazard?

Why can't people just mind their own business?
by mak1277
Mon Oct 16, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5719

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

When I was 5 years old my mother reports I was concerned I would end up a "putjes schepper" which would be the equivalent of a manual worker cleaning out septic tanks ( no pumps and hard physical labour). I thought it was surprising that my child at age 5 great fear was that he would work at Mac Do...
by mak1277
Fri Oct 13, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7421

Re: How many miles/years do you keep your car?

No rules or guidelines. I buy a car and drive it until it dies pretty much. Over the years that has run from as little as 80k miles to as many as 150k
by mak1277
Wed Oct 11, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15063

Re: [Boglehead vs Mr Money Mustache philosophies]

working a bunch of side jobs isn't "early retirement" ah, yes. The internet retirement police. Please read the article below. http://www.mrmoneymustache.com/2013/02/13/mr-money-mustache-vs-the-internet-retirement-police/ If I (or queso) can't challenge his definition of retirement, then you can't c...
by mak1277
Wed Oct 11, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15063

Re: [Boglehead vs Mr Money Mustache philosophies]

working a bunch of side jobs isn't "early retirement" ah, yes. The internet retirement police. Please read the article below. http://www.mrmoneymustache.com/2013/02/13/mr-money-mustache-vs-the-internet-retirement-police/ If I (or queso) can't challenge his definition of retirement, then you can't c...
by mak1277
Fri Oct 06, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4128

Re: How do you value your time?

I value my free time at $0/hour. Everything else is just silly, except maybe minimum wage. For example, if my free time was valued, for some reason, at a figure higher than I could get a local teenager to mow my lawn, then logic would dictate that I should apparently pay someone to mow my lawn. Tha...
by mak1277
Fri Oct 06, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4128

Re: How do you value your time?

Flip the question around....if someone offered you $xx or $yy/hour to do something, would you do it? What is your threshold for taking on additional work? There is no reasonable amount of money someone could pay me to mow their lawn, fix their plumbing, or do their dishes. I wouldn't mow my neighbor...
by mak1277
Thu Oct 05, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4128

Re: How do you value your time?

Convenience is for lazy people - sorry to say, but that's what you are buying, a tool to feed lazyness I don't generally disagree with this. I fully admit that I'm a lazy person and I will gladly pay for many conveniences. The last thing I want to do after a day of work is...more work. If I genuine...
by mak1277
Thu Oct 05, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: That blank stare... ?
Replies: 49
Views: 2995

Re: That blank stare... ?

I'm a boglehead because I don't care to talk or think about investing! 3-fund, set it and forget it. It's not at all interesting to me to dig any deeper than that, so I understand the blank stare point of view.