Search found 438 matches

by malabargold
Sun Feb 18, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 2653

Re: Selling Timber

Get sealed bids from loggers.
If it’s only 350 trees they may not do that
by malabargold
Sun Feb 18, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Vancouver Vacation (Canada)
Replies: 18
Views: 1274

Re: Vancouver Vacation (Canada)

If you go to Vancouver Island high tea at the Empress is nice as
are Butchart Gardens. If you can get up to Campbell River for
running the “fjords” that is incredible
by malabargold
Fri Feb 09, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 110
Views: 6329

Re: Suggest coffee maker please

Technivorm is good but way over $100

An aeropress as mentioned many times is $20 and
beats them all

If you want to limit exposure to heated plastics then get
a $12 Bonmac ceramic pour-over
by malabargold
Tue Jan 30, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Paris Hotel Recommendations
Replies: 21
Views: 1541

Re: Paris Hotel Recommendations

George V
by malabargold
Thu Jan 25, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3674

Re: Strategies to combat the urge to spend?

1)Try to think of anything you’ve ever bought that’s brought
to you true as lasting happiness.
There. But if that doesn’t do it
2) Remember the most expensive goods you’ve purchased.
Likely caused more worry and grief than anything else.
by malabargold
Thu Jan 25, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 5653

Re: Thinking About Timing the Market

Today’s highs are tomorrow’s lows.

But by all means sell if your psyche is so tied
up in net worth you can’t stomach losses.
by malabargold
Sun Jan 21, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Physician
Replies: 28
Views: 1909

Re: Disability Insurance - Physician

Get a long exclusion period to get best premiums.
by malabargold
Sun Jan 21, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 147
Views: 18122

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

As a bonus, if your cinema offers live streaming of performances
of things like the Bolshoi Ballet, it will work for those, too.

It does NOT cover the full price, but does pay up to the customary movie charge toward the price.
by malabargold
Sun Jan 21, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Any good blog for kids who want to pursue medicine ?
Replies: 10
Views: 801

Re: Any good blog for kids who want to persue medicine ?

I would argue that it’s far more important for you
to expose him to a world of other possibilities before, as a 9th grader, he chooses what to do with the rest of his life
by malabargold
Sun Jan 14, 2018 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12393

Re: Is it time for me to "call in rich"?

Don’t count your chickens quite yet.
The markets have been booming
Close to a decade
Figure in a pull back of 30%
by malabargold
Thu Jan 11, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 8334

Re: How much/little money to give kids in will so they continue to work

We gave our kids a lot.

They work like dogs.

Possibly because it
gave them the economic freedom to follow their
interests without regard to remuneration.

Greatest gift.
by malabargold
Wed Jan 10, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 33
Views: 1532

Re: Cars in college

Freshman year, absolutely not.

See how it goes, and decide from there.

These days with Uber and Lyft cars on campus are needed
less than ever, and could spare a lot of problems.
by malabargold
Mon Jan 08, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7077

Re: Lowball offer on a home

The owners likely don’t care what you plan to spend on it and will be offended by lowball, how it usually goes.
by malabargold
Mon Jan 08, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 2997

Re: Use HSA money or pay out of pocket?

We always invest ours in stock ETF’s for remote future use,
but it always comes down to what your’re invested in and how soon your need to start draw down will be
by malabargold
Sat Jan 06, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Bogleheads car purchase - with a little twist
Replies: 15
Views: 2029

Re: Bogleheads car purchase - with a little twist

Consider offering the residual back to the parents
by malabargold
Sat Jan 06, 2018 1:44 am
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 25
Views: 3513

Re: Why Edward Jones?

It boils down to added value. If these companies could add net value, we would all be beating down their doors, happy to pay any layer of fees long as there was net added value. They can’t, so we aren’t. In what other avenue of life does one ever hire help and not expect that party to act in their b...
by malabargold
Fri Jan 05, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27178

Re: Hitting The Sell Button

Mid- late fifties.
95-100% stock since the 1960’s.

Held steady through many ups and downs.

Now we have so much more $ than our needs, we
couldn’t care less if the market tanks.
by malabargold
Fri Jan 05, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 58
Views: 13093

Re: Backdoor Roth: How Long To Wait For Conversion?

We do it the next day.
We have been audited.
Clean bill of health.
YMMV.
by malabargold
Fri Jan 05, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: How Many Stocks Are Really Needed in Index Funds?
Replies: 52
Views: 3173

Re: How Many Stocks Are Really Needed in Index Funds?

For a site dedicated to the champion of low-cost broad index funds, it always amuses me how many people tilt/concentrate holdings or otherwise try to get an “edge” to achieve “ better than average” returns.
This incessant yearning (greed?) is precisely what leads people off the Boglish path.
by malabargold
Fri Jan 05, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Our 2017 portfolio income
Replies: 5
Views: 711

Re: Our 2017 portfolio income

It sounds like you are including cap gains and dividends
and calling the combination “income.”
With a a 76% equity portfolio, to be frank, that is
awful underperformance for the year that was.
by malabargold
Fri Jan 05, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Higher net worth / lower cash flow - How to Invest
Replies: 23
Views: 2306

Re: Higher net worth / lower cash flow - How to Invest

Your investments are far too concentrated,
you are not adequately diversified, IMO
by malabargold
Sun Dec 24, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Mercedes S Class: Reliability and Extended Warranty
Replies: 14
Views: 1442

Re: Mercedes S Class: Reliability and Extended Warranty

Although the plural of anecdote is not data
- buy the warranty!
by malabargold
Sat Dec 23, 2017 6:52 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4200

Re: Different ways to order coffee

The reason Starbucks (aka Charbucks) over-roasts is to
hide the poor quality of the coffee they now sell.

They used to sell excellent quality beans, but that changed in the early 1990’s. Then, they went for mass-market volume and
the rest, including the quality of their product, was history.
by malabargold
Thu Dec 07, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Gift Giving Strategy for Married Couples
Replies: 20
Views: 1744

Re: Gift Giving Strategy for Married Couples

Adopt a pet from a shelter;
Work in a community center together; etc

Make it a meaningful gift to both of you
and someone in need
by malabargold
Mon Dec 04, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 331
Views: 57269

Re: Retreat to cash

Unfortunately a lot of people listened to the Media last year around this time and pulled out of the market and missed this year's gains. Some folks will never learn (to stay the course) or haven't lived through the exaggerations in the media in the past nor the real the ups/downs in the markets. N...
by malabargold
Sat Dec 02, 2017 3:14 am
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 8342

Re: The College Bubble - investment opportunities after the collapse?

So much learning, academic and otherwise, derives from
living and interacting with fellow students, undergrads and grad, and profs, etc that cannot be replicated on line
Disagree with premise
by malabargold
Mon Nov 27, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5506

Re: Safest roomy luxury suv?

If you don’t need clearance for off-roading check out the Mercedes wagon E class
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: 108
Views: 13632

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: 147
Views: 18122

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: 147
Views: 18122

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: 14061

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: 3371

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: 2370

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: 1853

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: 3173

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: 6442

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: 2290

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: 522
Views: 52629

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: 1445

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: 2759

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: 4136

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: 522
Views: 52629

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: 2717

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: 2717

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: 522
Views: 52629

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: 3903

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: 2412

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.