Search found 410 matches

by malabargold
Sun Nov 19, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10710

Re: The valet smashed my Tesla into a brick wall!

minimalistmarc wrote:
Sun Nov 19, 2017 9:31 am
The things you own end up owning you. It's only after we've lost everything that we're free to do anything .
+2
by malabargold
Fri Nov 17, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 14054

Re: MoviePass-Too good to be true, but it's legit.

I re-signed for the $6.99/month plan myself -

But we plan to see a lot of movies in the next 2 months
because the glide path does not look encouraging
by malabargold
Fri Nov 17, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 14054

Re: MoviePass-Too good to be true, but it's legit.

MoviePass is now $6.95/month IF one pays for a year upfront.

Clearly they are desperate to slow the cash burn, but this of course is only a temporizing measure.
by malabargold
Sun Nov 12, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 12749

Re: The fear of retirement, black swan, and math to dissuade the fear.

Time is one’s most precious commodity. Nothing else.

If what one is doing for a paying job does not THRILL one,
consider stopping now.

Desire nothing except for desirelessness.
Want nothing and have everything.
by malabargold
Wed Oct 25, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: FIL Stage 4 Cancer - Next steps
Replies: 28
Views: 3121

Re: FIL Stage 4 Cancer - Next steps

Jimmy Carter has Stage 4 melanoma, still going several years
later
by malabargold
Tue Oct 24, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2164

Re: Generous Insurance Claim. Should I worry?

Are you sure you want to claim for a fence ?- they will
take it out on your rates, or even possibly drop you.

I would only make a claim on homeowners for a truly
significant $ amount
by malabargold
Sun Oct 22, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversions...did I miss the boat?
Replies: 8
Views: 1741

Re: Roth conversions...did I miss the boat?

Wouldn’t it have been far better to stay invested back then, enjoy the 400%+ return, + dividends? Tax loss harvesting on a yearly basis is great, but panic selling that locks in decades of “useable losses” in one fell swoop at the expense of future gains and dividends is not a goal of mine. Pick an ...
by malabargold
Sat Oct 21, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2877

Re: [If I die before my spouse, how to direct Vanguard advisors?]

Wow, I see this problem so many times on these boards. I am certain your spouse can do this. That’s the key - to DO, not just to hear! Don’t just explain it, let your spouse grab the wheel while you are still around to coach. Saving, investing, rebalancing, spending, tax loss harvesting, spotting sc...
by malabargold
Sat Oct 14, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5701

Re: What do you buy in Asian food stores?

Duck is much better price, and can buy fresh rather than frozen
by malabargold
Tue Oct 10, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Moving Stroke Victim Out of State
Replies: 23
Views: 2082

Re: Moving Stroke Victim Out of State

Don’t let house go below 52-54 degrees
An automatic generator and alarm system
Dropcam/nest cams
WeMo’s
Wifi thermostats
by malabargold
Sun Oct 08, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 480
Views: 44983

Re: Picking College and College Scholarships

Admissions officers at top school are definitely not trying to pick only one “type” these days, they are interested in building - purposefully constructing - classes of diverse talents and backgrounds that can serve as a synergistic whole and learning resource for one another. This may account for t...
by malabargold
Fri Oct 06, 2017 1:21 am
Forum: Personal Consumer Issues
Topic: Best places to retire in 2018
Replies: 4
Views: 1380

Re: Best places to retire in 2018

These lists, like college lists etc. are made for one reason, to
sell copy/get views.
Cheap and ready column space, a publishers version of a reality
T.V. show.
They HAVE to change something every year to stir the pot to garner more views.
Pointless stuff.
by malabargold
Wed Sep 20, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: What is the right career path for me?
Replies: 24
Views: 2591

Re: What is the right career path for me?

Most orthopods I know
are also #s 3 and 4 !
One path nets you 3 of your 4 options!
by malabargold
Tue Sep 19, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Where to park $200K cash?
Replies: 27
Views: 3866

Re: Where to park $200K cash?

The risk, of course,that you will be taking on by not taking risk,
is the corrosive power of inflation
by malabargold
Thu Sep 07, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 480
Views: 44983

Re: Picking College and College Scholarships

Yep, but it's still not a relative strength for most.
Your example proves my premise.
For example, I can think of no other discipline in which
Harvard ranks 23rd
by malabargold
Thu Sep 07, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Paying 4 years tuition for college to get discount?
Replies: 22
Views: 2509

Re: Paying 4 years tuition for college to get discount?

Since many students do a semester abroad, would that semester already be covered tuition-wise? What if the student changes his/her major and takes more than 4 years? (However, most private universities are pretty good about getting them graduated within 4 years since scholarships rarely cover longe...
by malabargold
Thu Sep 07, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paying 4 years tuition for college to get discount?
Replies: 22
Views: 2509

Re: Paying 4 years tuition for college to get discount?

We just did the pre-payment for 4 years at Harvard last week (the deadline just passed). Even though it is very much against our nature to do such things --we are 100% stock investors, and are very fortunate to have sufficient reserve to weather the blackest of swans, it still felt unexpectedly good...
by malabargold
Mon Sep 04, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 480
Views: 44983

Re: Picking College and College Scholarships

I've worked with 4 Stanford engineers. All impressive. I've worked with 30 plus engineers from the Ivies and other top schools. It's been a mixed bag. I can't say that I saw any trends. Other than the mystique of an Ivy league education is lost on (maybe just dull) me. How do I know about their degr...
by malabargold
Tue Aug 29, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3429

Re: Beginner Mountain Bike

1+ Specialized
by malabargold
Tue Aug 29, 2017 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Go 100% Into Stocks?
Replies: 24
Views: 2212

Re: Should I Go 100% Into Stocks?

If you are prone to panic selling, no.

If you are on track to have far more than you need
for retirement and can weather a prolonged downturn,
and not a panic seller, consider it.
by malabargold
Thu Aug 10, 2017 7:34 am
Forum: Investing - Theory, News & General
Topic: Investing In Water
Replies: 29
Views: 2893

Re: Investing In Water

PHO is one ETF
by malabargold
Mon Aug 07, 2017 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: College and Paying for it
Replies: 61
Views: 4657

Re: College and Paying for it

That's the irony for many, they won't qualify for aid until AFTER the private school is done with them! Chicago and Duke are the only top 10 that offer merit aid. None of the Ivies. There are however many merit scholarships offered from extramural sites that can be applied. For many a top public sch...
by malabargold
Thu Aug 03, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Making a Direct Offer to Purchase a Home
Replies: 28
Views: 2832

Re: Making a Direct Offer to Purchase a Home

Over time, money in the market historically crushes
money in housing.

I think the owners, not you, will take care of the "mark to market"
by malabargold
Sun Jul 23, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1739

Re: Pre-pay four year tuition?

whodidntante wrote:Most people would be scrambling to pay for Harvard. You are looking for a discount for paying early. You must be doing alright.

Average Harvard student only pays $12,000 /year.
1/5 go free -and even get a stipend for winter clothes,
off campus dining, etc!
by malabargold
Sun Jul 23, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1739

Re: Pre-pay four year tuition?

yes. If you can. Harvard is betting that it can earn more than you can. Harvard can invest for the longterm and market time your funds. You can't and typically you will be in a conservative low yield/low risk portfolio. Harvard will refund any unused academic terms, per law, regardless of any marke...
by malabargold
Sat Jul 22, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: My favorite CNBC program
Replies: 39
Views: 5032

Re: My favorite CNBC program

I think it's awful - and the antithesis of Bogle

Noise, noise, noise.

Watch it long enough and one of the blood -suckers
they have on could goad you into a huge mistake.
by malabargold
Thu Jul 20, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1739

Re: Pre-pay four year tuition?

No 529's. Just in the enviable\unenviable position of having
no lots underwater to offset gains
by malabargold
Thu Jul 20, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1739

Re: Pre-pay four year tuition?

Yes, definitely
by malabargold
Thu Jul 20, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Pre-pay four year tuition?
Replies: 14
Views: 1739

Pre-pay four year tuition?

Harvard allows freshmen to pay tuition and certain student health fees upfront for all four years, at freshmen year prices.
Historically they both seem to climb 3-4% per year.

Would you do this, even if money shouldn't be an issue if
the market tanks?
by malabargold
Thu Apr 13, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to a Lazy portfolio : Should I wait for a market correction?
Replies: 16
Views: 2368

Re: Moving to a Lazy portfolio : Should I wait for a market correction?

Of course you should wait.
Just tell me precisely when it will occur
and I'll join you
by malabargold
Wed Apr 12, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna needs help hitting it big!
Replies: 22
Views: 2731

Re: Skeptical Tuna needs help hitting it big!

I just wanted to say that I think the trolling accusations are unfair and uncharacteristic of the open and welcoming nature of this forum. The poster has no debt, a spouse with a good job, minimal expenses, and is pursuing a high risk/reward venture that his spouse is on board with. I think there's...
by malabargold
Tue Apr 11, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking up with my Financial Advisor
Replies: 56
Views: 5164

Re: Breaking up with my Financial Advisor

After reading a lot on this forum and also the Boglehead guide to Investing I've decided that I need to take back control and stop paying high fees but I don't know how to break up with my financial adviser of 11 years. Naively I never thought to ask about his fees and with no experience of investi...
by malabargold
Tue Apr 11, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna needs help hitting it big!
Replies: 22
Views: 2731

Re: Skeptical Tuna needs help hitting it big!

Can't you get a paying job AND work on " the next big thing "?
Your wife deserves a gold medal
by malabargold
Tue Apr 11, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 81
Views: 9395

Re: Dream vacation spots?

One spot I don't see mentioned too often are the "fjords"
off Campbell River, on the east coast of Vancouver Island
Getting out on the water with the strong whirlpools, Orca,
seals, other whale, and eagles as thick as can be, feeding on fish from the massive upwell is a natural miracle
by malabargold
Tue Apr 11, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme Frugality vs Living Life - Where do you draw the line?
Replies: 77
Views: 9951

Re: Extreme Frugality vs Living Life - Where do you draw the line?

We have a NW just around $25m right now, believe me we've tried the lavish lifestyle, it brought us no joy, just diversion that was short-lived. Our main cars are a 1997 and two 2000 models, for example. We still buy indulgent things every once in a while, but typically sell them soon after. Not eve...
by malabargold
Tue Apr 11, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school tuition
Replies: 42
Views: 4123

Re: Can we afford private school tuition

Anything better to spend money on then your kids?

Just make sure your getting a bang for your buck - that
Message should reverberate from pre-pre K to their 3rd PhD!
by malabargold
Mon Apr 10, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?
Replies: 10
Views: 1477

Re: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?

you could look at both Prioritizing investments and Investment Order for general suggestions. Not identical advice, but perhaps similar enough that you could mix and match as needed to fit your personality. thanks FiveK. If I plan to max my 401K, backdoor roth and HSA all this year, does the sequen...
by malabargold
Sun Apr 09, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?
Replies: 10
Views: 1477

Re: 39 yrs risk adverse, just mortgage free, how to invest for self + help mom?

Your goals seem to have internal contradictions.
As does risk aversion and investing.
by malabargold
Sat Apr 08, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Retirement Plan Funds to Pay for NYC Apt
Replies: 3
Views: 720

Re: Retirement Plan Funds to Pay for NYC Apt

You probably won't be home much.

Gather, and keep, hay while the sun shines.

With the turmoil in healthcare no one, no one,
can accurately project earnings.
by malabargold
Thu Apr 06, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 13003

Re: High Income earners, whats your Tax Strategy?

For taxable use brk or etfs tilted toward growth and small
cap to lower dividends

establish trusts for kids

Tax loss harvest in all taxable, including kids

Munis if that's your cup of tea
by malabargold
Wed Apr 05, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 6986

Re: Help with college choice

UCB for CS of the choices.
Great pipeline school.
by malabargold
Wed Apr 05, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Best investments for risk-averse retiree
Replies: 31
Views: 2517

Re: Best investments for risk-averse retiree

If you're risk-averse then you diversify into bonds. When stocks fall, money runs to the safety of bonds. Putting money in CD's is not investing. Does this look "risky"? http://investingadvicewatchdog.com/images-new/chart-2000-2015.jpg That is a really interesting graph. What bonds and wh...
by malabargold
Mon Apr 03, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Tour du Mont Blanc Sept. 2017
Replies: 16
Views: 2001

Re: Tour du Mont Blanc Sept. 2017

Reading accounts of the legendary alpinists of the mid-20th century will give you a perspective that will profoundly influence your appreciation of the area, A time before the luxury of modern mountaineering equipment and before the great routes were defiled with what's tantamount to mountaineering ...
by malabargold
Thu Mar 23, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my father's windfall
Replies: 25
Views: 2997

Re: Help with my father's windfall

I rarely suggest this, but in this case it seems prudent to use
life insurance (which I wouldn't call a windfall)
to pay off the massive (relative to income) debts.
And then, adopt a lifestyle to live beneath his means
asap!
by malabargold
Thu Mar 23, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 10308

Re: The $1,124,176 Car.

Couldn't agree more.
We have 3 cars: 2 from 2000 and one from 1997
almost 700,000.