Search found 229 matches

by BV3273
Sun Jan 28, 2018 6:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 55913

Re: moderate income, high net assets, one way to get there

As others have said very inspirational.

I read a quote a few years back that has stuck with me “It’s not what you make, but what you save.”
by BV3273
Sun Jan 28, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Career "advice" for someone without college
Replies: 39
Views: 2477

Re: Career "advice" for someone without college

Yes without college.
by BV3273
Sun Jan 28, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Career "advice" for someone without college
Replies: 39
Views: 2477

Re: Career "advice" for someone without college

I’m a sales guy. Always was. Always will be. If he is great at sales, which he sounds like it is, I think along with realestate (which takes quite a bit of time to get going) he should look into local insurance agencies that may be hiring. We have a bunch around here that are hiring regularly. Pay s...
by BV3273
Sun Dec 31, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Building Emergency Fund - Where to put money
Replies: 16
Views: 1429

Re: Building Emergency Fund - Where to put money

For those asking he wants cash on the side not tied up in the market.

I’ll have him check into Redneck Bank.

Thanks!
by BV3273
Sun Dec 31, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Building Emergency Fund - Where to put money
Replies: 16
Views: 1429

Building Emergency Fund - Where to put money

Hello All, My nephew has decided to get his financial house in order and has asked me how he should start putting his emergency fund together. He just got his first job out of college. He has a target amount in mind - 6 months of expenses - but since he will be adding to this amount slowly and stead...
by BV3273
Thu Dec 28, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 16966

Re: Is anyone putting money aside into Gold?

I agree with that Alfa.
by BV3273
Thu Dec 28, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 148
Views: 16966

Re: Is anyone putting money aside into Gold?

My brother had a friend. Every paycheck he put a few hundred bucks away and bought gold with it. Every month he did I like clock work. Around 10 years later he purchased his first house. Not sure the amounts involved but he put something like 70% down, which came from liquidating his gold stash. I w...
by BV3273
Wed Dec 13, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28310

Re: What to do after losing $117k in stock market?

Chalk it up as a learning experience. A wise man once told me that some mistakes in life leave you physically/mentally bumped up and bruised and others will leave your bank account hurting. Dust yourself off, recalibrate, and move on. You’re going to lose a lot more if you continue to dwell on what ...
by BV3273
Wed Dec 06, 2017 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2831

Re: 112K pension- need help w/the rest

You don’t have to answer my question here. You can PM me if you’d like. I’m just curious as to your line of work to receive such a generous pension. I am extremely jealous LOL. I wish you all the best!
by BV3273
Wed Dec 06, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2831

Re: 112K pension- need help w/the rest

You don’t have to answer my question here. You can PM me if you’d like. I’m just curious as to your line of work to receive such a generous pension. I am extremely jealous LOL. I wish you all the best!
by BV3273
Wed Dec 06, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 6504

Re: Recommended places to live

How about 4 seasons by choice? That’s what I’m planning to do. Snowbird is the term.
by BV3273
Sun Dec 03, 2017 7:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 220
Views: 57436

Re: New York City Local Chapter established

I’d interested also
by BV3273
Thu Nov 30, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Liquidating Lending Club
Replies: 8
Views: 1411

Re: Liquidating Lending Club

I still have around 20 notes left. I basically decided not worth the hassle and stopped reinvestments. I move the cash to my online savings account once a month. I was never fully committed to it.
by BV3273
Wed Nov 29, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 12532

Re: What are the things you want to do between 55 and 65?

Travel. Go fishing as much as possible. Hopefully watch my future grandkids. My DS is a toddler and I’m in my early 30s.
by BV3273
Wed Nov 29, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 13803

Re: Didn't buy Bitcoin at $4600

I remember some nerd at work telling me about it when it was $13. The first purchase made with Bitcoin was 10,000 for a Dominos pizza. The only problem was that the major exchange for Bitcoin tanked back then and a lot of early investors lost their shirts. Not sure what the future brings as my cryst...
by BV3273
Tue Nov 28, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 5751

Re: Luggage Update for Travel

If you travel a lot you really can’t go wrong with anything from TUMI. A little bit pricey, but they hold up and have a great warranty. I received a bag for Christmas about 7 years ago. Had some stitching get lose and brought it to the TUMI store nearby. Filled out a form and left the bag with them....
by BV3273
Mon Nov 27, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 6579

Re: Safest roomy luxury suv?

I’d look at the 6 seat layout Lexus GX460. Instead of bench seats it has two sets of captains chairs (they also make a model with bench seats as well). You can easily access the third row if need be. If not flip the seats down for more storage. I actually test drove one over the weekend. Drives nice...
by BV3273
Thu Nov 23, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1452

Re: Any tips on gifts for employees?

Two gifts stand out. First was a rechargeable battery pack that I could hook up my iPhone or iPad to. Second was a phone case with a battery built it (my company gives us iPhones as our business phone).
by BV3273
Thu Nov 23, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Job interviewing - "do you have any other interviews or leads?"
Replies: 35
Views: 4919

Re: Job interviewing - "do you have any other interviews or leads?"

Be honest and let them know that you’re actively interviewing. If you really want to light a fire under them tell them you are waiting on an offer. Either way you are ultimately on their time table. I just started a new job a few weeks back and the whole process, about 9 interviews, was spread over ...
by BV3273
Wed Nov 22, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 6516

Re: Advice to become wealthy

I love quotes like “It’s not what you make, it’s what you save”. While this holds true to having a great retirement there is more to it than that when it comes to building the kind of wealth I think you are after. Those who I know that are wealthy have made it from family businesses, investments in ...
by BV3273
Tue Nov 21, 2017 6:59 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 14843

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

I was waiting for it - “Don’t valet park”

Talk to your insurance company immediately.
by BV3273
Mon Nov 20, 2017 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 19655

Re: Dave Ramsey says don't use credit cards, even if you pay them off

I agree with him if you have past issues with spending money you don’t have. Otherwise if it’s money you’re going to spend then use the cards and get yourself some points.
by BV3273
Mon Nov 13, 2017 9:48 pm
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 40
Views: 4273

Re: Upgrading a flight - what are your rules?

Personal preference. For me anything over 3-4 hours is worth the upgrade. I find it miserable having someone's seat reclined and in my face.
by BV3273
Mon Nov 13, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 6649

Re: Losing all of your savings.

I don't know the OP or if he is a professional poker player or not, but the one piece of advice I was given in regards to gambling is: If you don't want to risk losing it, don't wager it. I think the same holds true for investments as well. That being said I've found myself down and out several time...
by BV3273
Sun Nov 12, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 42544

Re: Did you tell anyone you paid off your mortgage?

I personally would look at it as an accomplishment to payoff a mortgage and probably any other large debts that were scheduled to be paid off over a long term (ie Student loan debt). As far as telling other people about it. No thanks. Misery loves company as far as I'm concerned and to certain peopl...
by BV3273
Sat Nov 11, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 12421

Re: Do you meditate?

Want to start but not sure where to start. I'm going to try that headspace app.
by BV3273
Sat Nov 11, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 8122

Re: Swedish Death Cleaning

I'm in the process of doing something similar. We have a space that we used as an office for years but we have another child on the way. Amazing the way stuff just accumulates. I'm one of those people that never throw anything away that is work related because I feel like you never know when you mig...
by BV3273
Fri Nov 10, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Stocks
Replies: 22
Views: 2509

Re: Individual Stocks

Thanks! Any thoughts on Dividend Aristocrats?
by BV3273
Fri Nov 10, 2017 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Stocks
Replies: 22
Views: 2509

Individual Stocks

I read a post on here last week about investing for your child's education, but I can't find it. One of the members who posted on the thread mentioned that he put half his assets in a total market fun, some in BRK, and the rest in individual stocks. He mentioned how his investment grew considerably ...
by BV3273
Tue Nov 07, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 33
Views: 2312

Re: Best strategy for selling cell phone on Ebay?

Never tried eBay. I tried Swappa.com I think. Sold my last few phones there and made out pretty good. Very secure and uses PayPal to receive the payments.
by BV3273
Mon Oct 23, 2017 6:27 am
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5746

Re: What service do you pay for that you could easily do yourself?

Same as you OP. Tried it, but I have bad allergies. Not worth it for me.
by BV3273
Fri Oct 20, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for financial aid if my company reimburses tuition?
Replies: 10
Views: 1023

Re: Should I apply for financial aid if my company reimburses tuition?

I did because the company only reimbursed me for eligible expenses after I submitted my passing grades. The college wanted to get paid sooner so I used a student loan to pay the school and paid it back when the company reimbursed me. Way lower interest rate than a credit card and didn't have to tie ...
by BV3273
Fri Oct 20, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Help with PR emergency prep: Water filter, Propane stove, etc.
Replies: 46
Views: 3886

Re: Help with PR emergency prep: Water filter, Propane stove, etc.

I would recommend a life straw or steripen as other people mentioned. I keep two of those along with a camp water filtration kit and some water purification tablets. An eton radio (mine can be cranked, works off batteries, and solar if need be). It can charge anything through a USB port. I like the ...
by BV3273
Tue Oct 17, 2017 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Buying Employer Shares
Replies: 18
Views: 1627

Re: Buying Employer Shares

My old company offered 5% discount. Twice a year. No minimum holding period. I took advantage because I could sell the shares immediately. My new company had a 15% discount but they were recently acquired and put a hold on that benefit. It may be worth doing it if the holding period isn't long.
by BV3273
Sun Oct 08, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: (24M) - Should I take a pay cut for a new career path with a better payoff?
Replies: 21
Views: 3005

Re: (24M) - Should I take a pay cut for a new career path with a better payoff?

I'm in my early 30s and as someone who was in your shoes before all I can say is:

DO IT!

If not now you're going to regret it for the rest of your life.
by BV3273
Sun Oct 08, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 2152

What do you do with your empty inkjet cartridges?

Hello All!

This may sound silly but for some reason I have been hoarding all of my empty ink cartridges to the tune of about 50. What, if anything, do you do with your empties? I know staples takes them back but I'm not sure if there is some kind of rebate or something.

Thanks in advance!
-BV
by BV3273
Wed Oct 04, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 17
Views: 1761

Re: New job offer

Great feedback people! I am going to submit everything and wait for the results to come back, then let my boss know.

Like I said I have the written offer letter in hand.
by BV3273
Wed Oct 04, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 17
Views: 1761

Re: New job offer

Thanks for the feedback! Green light = background check, drug check, etc... come back with no issues. I am not a criminal or drug user but I am super pessimistic these days (thank my wife for that). I like my boss and he likes me and I definitely don't want to leave him on bad terms (I never burn a ...
by BV3273
Wed Oct 04, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 17
Views: 1761

New job offer

Hello All! I just got a new job offer and I'm going to take it. My question is should I fill out all the paperwork and get it back to the new company first and wait for the green light before I left my boss know or should I just tel my boss that I'm leaving now? I love my boss and don't want to leav...
by BV3273
Wed Oct 04, 2017 6:47 am
Forum: Investing - Help with Personal Investments
Topic: FA Offering Financial Instrument--Turn $90K into $360K
Replies: 18
Views: 2296

Re: FA Offering Financial Instrument--Turn $90K into $360K

It just doesn't make sense to me and because of that I'm out (Mr. Wonderful voice).
by BV3273
Mon Oct 02, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3738

Re: Reach out to hiring manager directly on LinkedIn?

Why not? Whenever I have been interested in a company I the past I have reached out to people that work there. It's nice to know if the grass is really greener. You'd be surprised at the feedback (both good and bad).

I would do the same with management.
by BV3273
Thu Sep 28, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Propane Stove For Earthquake Kit
Replies: 24
Views: 2015

Re: Propane Stove For Earthquake Kit

Google Rocket Stove. Pretty popular amongst survivalist.
by BV3273
Tue Sep 26, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to build wealth
Replies: 32
Views: 5366

Re: Best way to build wealth

It's not what you make. It's what you save.

I know plenty of people with 6 digit incomes that don't have a pot to pee in
by BV3273
Tue Sep 26, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: High end cruising suggestions.
Replies: 26
Views: 3494

Re: High end cruising suggestions.

Just a word to the wise on Viking River Cruises. If you are under 75-80. Chances are you will be the youngest person in the ship. Lots of older folks. Not saying it is a good or bad thing. Just saying
by BV3273
Sun Sep 24, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13900

Re: What is your favorite reasonably priced bourbon?

Buffalo Trace
Woodford Reserve
by BV3273
Sun Sep 24, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 11236

Re: Where do you get your news?

Yahoo! Specifically the comments section at the end of the article.
by BV3273
Sun Sep 24, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 6828

Re: Bogleheads monthly costs of dog ownership?

Monthly: Food and Treats (daily basis) Every Other Month: Grooming (hairy breed but doesn't shed) Once every 6-12 Months: The vet Let's call it $50 a month on food and treats. Grooming can range anywhere from $80-40. The vet $100-300. We made friends with the groomer at our local Petco who quit a fe...
by BV3273
Thu Sep 21, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Water Service Line Insurance
Replies: 17
Views: 1699

Re: Water Service Line Insurance

Just got something in the mail about this. My neighbor just had an issue and they had to shut down the main on our block. He was on the hook for around $8k. I'm seriously thinking about going for it since all the houses on are block were built in the late 30s and we have been through similar epidemi...
by BV3273
Wed Sep 20, 2017 6:55 pm
Forum: Forum Issues and Administration
Topic: Why so many 'negative' responses?
Replies: 20
Views: 2951

Re: Why so many 'negative' responses?

When I first joined here I thought the same OP. After lurking for months everything clicked one day and something became perfectly clear to me. This forum is here to help others and offer constructive criticism. Think of it as your outspoken best friend who just can't hel themselves (and is almost a...