Search found 203 matches

by Nova1967
Fri Apr 26, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 19981

Re: Whats the Point of Climbing the Corporate Ladder?

It depends on your values, If you like managing people then a managerial position might be suitable. In the military its unlikely you can stay a private your entire career because you don't want to give orders. It has it advantages and disadvantages, After College every job I ever had paid more than...
by Nova1967
Fri Apr 26, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: window replacement: return on investment
Replies: 23
Views: 2480

Re: window replacement: return on investment

There probably is not much of a return on Windows in Wisconsin, In South FL Hurricane impact windows are often a motivating factor in a home sale
by Nova1967
Tue Apr 23, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 5517

Re: At what age did you buy your first first class airplane ticket?

For the price of a first class ticket you could stay at the Ritz Carlton for 2 weeks
by Nova1967
Mon Apr 22, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Can one own a Porsche 911 that is not a money pit?
Replies: 79
Views: 12029

Re: Can one own a Porsche 911 that is not a money pit?

I have owned a 911S since 2008, They are very reliable and do not necessarily have to be expensive to maintain if the miles are limited and they are properly maintained. My Porsche is a week end car and I put on 3K miles a year. It also helps to find a reliable, trustworthy independent shop. You can...
by Nova1967
Sun Mar 24, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Has anyone used Heal? [Doctor housecall app]
Replies: 32
Views: 2626

Re: Has anyone used Heal? [Doctor housecall app]

It doesn't make sense that a DR would make house calls, Every time I went to the DR. he is seeing 12 patients an hour which explains long waits and they always ask you to come back.
I believe 150 years ago house visits were pretty popular or back in the 70s Marcus Welby made house calls at one a week.
by Nova1967
Fri Mar 22, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: One of the Best Business Books I Ever Read
Replies: 6
Views: 2471

Re: One of the Best Business Books I Ever Read

I read the book when I was pursuing my MBA at the Nova south eastern Wayne Huzienga school of business in FT Lauderdale. It was very informative, When he bought Blockbuster he had never rented a video before. He certainly knew when to get out of business at the right time, such as before videos beca...
by Nova1967
Sat Mar 16, 2019 8:10 am
Forum: Personal Investments
Topic: TSP Question...
Replies: 26
Views: 2802

Re: TSP Question...

I have my Bond portfolio in G and F, 50% in each. The F Fund can have down years but the 10 year returns are closer to 3.7% vs 2.3% for the G Fund. The F Fund is similar to Vanguard Total Bond market (VBMFX) which had a ten year return of 3.5%. The G Fund is a great fund to be in but the F fund is w...
by Nova1967
Tue Mar 05, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Anyone tried the diet app Noom and what did you think of it?
Replies: 13
Views: 3811

Re: Anyone tried the diet app Noom and what did you think of it?

I use My fitness pal app which is free not sure how Noom is different
by Nova1967
Wed Feb 27, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 5266

Re: Things to do in Indiana

tainted-meat wrote: Wed Feb 27, 2019 9:20 am Lincoln Boyhood home in Lincoln City, IN (Southern, IN) & Holiday World, Santa Claus, IN.

Others have mentioned French Lick and West Baden, IN - only 45 minutes away from these two spots.

All good options.
Whats so great about French Lick other than the fact its where Larry Bird is from?
by Nova1967
Sun Feb 24, 2019 10:46 am
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1524
Views: 127414

Re: My trend following strategy and experience

I have always been a long term buy and hold DCA investor, Around 2007 I tried the Investors Daily Can Slim for a portion of my portfolio, The strategy did not keep up with my TSP funds which made me realize the benefits of index investing, The only good thing about the IBD strategy is I escaped the ...
by Nova1967
Fri Feb 22, 2019 10:14 am
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 4826

Re: Do you discuss BH philosophy with others?

I recently retired from the Federal Government, When asked for Financial advice I advised to max out on the TSP funds with an appropriate allocation which is BH advise relating to index investing. I mentioned the BH site to a few people but all I got were raised eye brows
by Nova1967
Fri Feb 22, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Hostels while solo traveling in Europe?
Replies: 23
Views: 2517

Re: Hostels while solo traveling in Europe?

From my experiences one of the best places to mingle with locals and Ex Pats is at an Irish or British pub, They are common in large cities throughout Europe, Latin America and Asia. English is widely spoken at these places so its a good place to meet people.
by Nova1967
Tue Feb 19, 2019 12:05 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 165
Views: 16954

Re: How many bogleheads do you know in real life?

I met a few at some of the Chapter meet ups, I don't know anyone who is familiar with the BH site and generally don't discuss my investment philosophy with others
by Nova1967
Wed Feb 06, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Non Denominated Postage Stamps
Replies: 5
Views: 797

Re: Non Denominated Postage Stamps

I believe the OP may be talking about the Letter Series of stamps that were preprinted and used right after rate increases. They are not forever stamps, but have a value based upon the letter on them. See them here: https://alphabetilately.org/G2.html I have seen them used in combination with other...
by Nova1967
Wed Jan 30, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: 1st year with a rental property - hitting singles
Replies: 37
Views: 4314

Re: 1st year with a rental property - hitting singles

Interviewing and researching 20 prospective renters sounds like a time consuming process. Good Luck
by Nova1967
Tue Jan 22, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 7996

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I've been to (2 )NBA finals $200 each game (2013 Heat/Spurs) in the nosebleed section and a World series in 2003 (Marlins/Yankees) in the nosebleed section $100.00. They were very memorable experiences. I would love to go to a Super Bowl to complete the package but can't see paying thousands of doll...
by Nova1967
Fri Jan 18, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: How do you keep a calendar?
Replies: 63
Views: 3795

Re: How do you keep a calendar?

Why not keep it simple and get a hard copy calendar at Office Depot.
by Nova1967
Wed Jan 09, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 22665

Re: Best town I've never heard of [for relocating]

You know, I've never been there (aside from passing through), but I'd say Los Alamos, NM. Seasons, scenery/mountains, just over one hour from Albuquerque, highly educated and excellent schools. Santa Fe is close for jobs outside of scientific pursuits. If Los Alamos, NM meets the standards, so does...
by Nova1967
Wed Jan 02, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2438

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

An monthly credit card statement and an excel spread sheet with various categories should simplify the process.
by Nova1967
Mon Dec 31, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Cable TV renewal
Replies: 32
Views: 2681

Re: Cable TV renewal

From my perspective I notice there is a more variety of movies, sports and entertainment on cable channels vs Netflix and Amazon. With several hundred cable channels to choose from there is always something worth watching, however its better to record movies and shows due to lengthy commercials. Cab...
by Nova1967
Sun Dec 23, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 60
Views: 9744

Re: Preparing for the bounce

Too much bottom fishing.
Hope for the best plan for the worst.
by Nova1967
Wed Dec 12, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 129305

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I initiated the transfer process from Ameritrade to Fidelity HSA a couple week ago. I was told by Fidelity the entire process takes a few weeks. My Ameritrade funds were in VTI. I believe Fidelity charges an additional fee for holdings in Vanguard although not sure how it works in the HSA. I would p...
by Nova1967
Sun Dec 09, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: "The 10 Worst Places To Get Investing Advice"
Replies: 59
Views: 7978

Re: "The 10 Worst Places To Get Investing Advice"

1. Tony Robbins

2. People who emphasize Chart Patterns such as William O'Neil at Investor Business Daily.
by Nova1967
Mon Nov 26, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: Do you need to invest mostly in stocks to get rich?
Replies: 178
Views: 18699

Re: Do you need to invest mostly in stocks to get rich?

The only way you can be rich in stocks is to find the needle in the haystack which is not likely. However compounding the max amount in a 401K and IRA index funds for 40 years would provide a very substantial portfolio at an old age.
by Nova1967
Sat Nov 17, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 37714

Re: [Financial] Habits of the Rich

There are two ways a man can be rich in this world, he can have a lot of money, or he can have a lot of friends. But he cannot have both.
(Freddie Heiniken)
by Nova1967
Sun Nov 11, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Best Finance/Stock Market Films
Replies: 34
Views: 2199

Re: Best Finance/Stock Market Films

Good list of films, are any of these shows on Netflix or Amazon Prime?
by Nova1967
Sat Nov 10, 2018 12:50 pm
Forum: Investing - Theory, News & General
Topic: Best Finance/Stock Market Films
Replies: 34
Views: 2199

Re: Best Finance/Stock Market Films

Billionaire Boys club

Madoff with Richard Dreyfus

Wall St
by Nova1967
Tue Nov 06, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: WSJ: Sometimes, It’s Bonds For the Long Run
Replies: 72
Views: 7644

Re: WSJ: Sometimes, It’s Bonds For the Long Run

I believe it's better to compare Money Market funds and CDs to Bonds for the long term since both are based on the preservation of capital.
Stocks are in a different league.
by Nova1967
Wed Oct 24, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6844

Re: Retirees: What keeps you up at night?

Alcohol, Usually watch TV and have a few drinks before going to bed which can interfere with sleep patterns, The good thing is not having to get up for work in the morning.
by Nova1967
Wed Oct 24, 2018 10:28 am
Forum: Personal Investments
Topic: 32M burned out from active investing
Replies: 28
Views: 4097

Re: 32M burned out from active investing

Yes ,a perceived $32 million will definitely get Bogleheads to open your link, your best bet is an allocation of index funds as advised in the preceding responses.
by Nova1967
Tue Oct 23, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: When Will Attaining Millionaire Status Be Obsolete?
Replies: 77
Views: 5531

Re: When Will Attaining Millionaire Status Be Obsolete?

Having a million dollars is still a big accomplishment and without including home value still puts one in the top 5% in the USA, or a fraction of 1% if you include the entire World, Having one Million Lire or Yen is not much but in ancient times it might have been, I am sure as the years go by and w...
by Nova1967
Mon Oct 22, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 8081

Re: When to stop putting money into an older vehicle

I am sure there is other criteria for getting rid of a car but from my personal experience the best time to get rid of a car is when it starts to overheat.
by Nova1967
Sun Oct 21, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 18656

Re: Total Bond Market Fund - interest rates rising!

I have 45% in Bonds and 5% in cash, I prefer to stay the course and not sell bond funds for CDs when interest rates go up. Yes you might lose 5% in a year but TBM index funds have better returns overall, I don't believe in selling and exchanging funds every time an event occurs. When the market drop...
by Nova1967
Thu Oct 18, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5967

Re: Maserati Experiences

Maserati is a poor mans Exotic Luxury car, Way behind Ferrari, Bentley, Lamborghini, and Rolls Royce, I believe the best bang for a buck is a Porsche 911, if taken care of maintenance problems are minimal, they have low depreciation and can blend into the landscape. Nova1967 --> It is a long way fr...
by Nova1967
Wed Oct 17, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5967

Re: Maserati Experiences

Maserati is a poor mans Exotic Luxury car, Way behind Ferrari, Bentley, Lamborghini, and Rolls Royce,
I believe the best bang for a buck is a Porsche 911, if taken care of maintenance problems are minimal, they have low depreciation and can blend into the landscape.
by Nova1967
Sat Oct 13, 2018 2:25 pm
Forum: Personal Investments
Topic: Home Depot Stock
Replies: 16
Views: 2025

Re: Home Depot Stock

willybiggs wrote: Sat Oct 13, 2018 12:57 pm HD is one of the great buy and hold stocks. I too have held mine since the early 90's. However it is in a tax deferred account.
Sounds like you found the needle in the Hay Stack
by Nova1967
Fri Oct 12, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 16482

Re: Tips for staying active / injury-free into older age

Age 57, Orange Theory 4 days a week, Golf 2 times a week and tennis once a week
by Nova1967
Fri Oct 12, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 16482

Re: Tips for staying active / injury-free into older age

Age 57, Orange Theory 4 days a week
by Nova1967
Tue Oct 09, 2018 10:07 am
Forum: Personal Investments
Topic: 4% rule question
Replies: 22
Views: 3359

Re: 4% rule question

4% sounds reasonable for most retirees however there are many factors to consider. Why would a retiree at age 50 have the same 4% withdrawal as someone retiring at 75, or for example (2) people retire at age 55 with each have 1 Million in retirement accounts , One of the retirees has a pension for 5...
by Nova1967
Fri Oct 05, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3482
Views: 579157

Re: What are you up YTD? [Year To Date]

50% Equities (18% of Equities is International)
45% Bonds
5% Cash

YTD 3%
by Nova1967
Wed Oct 03, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 4007

Re: Water Leak During New Home Construction

Make sure you address the water damage issue immediately, I had a water leak from a clogged AC when I went out of town for a few weeks 10 years ago I took a small settlement from the Insurance company and proceeded to dry the carpets with blowers and did some minor drywall repairs. 10 years later we...
by Nova1967
Fri Sep 21, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Proposal for Structural Damage
Replies: 12
Views: 1135

Re: Proposal for Structural Damage

Thanks for the advice, I'm ok spending a few hundred dollars for a Structural Engineer report if thats what it takes to get proposals, I have had (2) General Contractors look at the place and they both recommended an Engineer to look at the place before they could submit a quote,
by Nova1967
Thu Sep 20, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Proposal for Structural Damage
Replies: 12
Views: 1135

Re: Proposal for Structural Damage

It would be unusual for a GC to employ an engineer. More than likely they team up for projects. Personally, I'd separate the two. Find an engineer to assess the problem and come up with a solution. That will likely involve drawings for any contractor to work off of and to get structural permits as ...
by Nova1967
Thu Sep 20, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Proposal for Structural Damage
Replies: 12
Views: 1135

Re: Proposal for Structural Damage

snackdog wrote: Thu Sep 20, 2018 6:45 am 1. I would hire my own to avoid conflicts of interest.
2. Yes as it will narrow the scope of work and improve quotes.
3. Probably nothing other than getting that report to three contractors and having them come take a look.
Thanks for the advice snackdog
by Nova1967
Thu Sep 20, 2018 6:38 am
Forum: Personal Consumer Issues
Topic: Proposal for Structural Damage
Replies: 12
Views: 1135

Re: Proposal for Structural Damage

bumped
by Nova1967
Wed Sep 19, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Proposal for Structural Damage
Replies: 12
Views: 1135

Proposal for Structural Damage

Hello Bogleheads I own a home in South FL that has severe structural damage in 2 upstairs bedrooms, Its a result of water damage from a leaking AC 10 years ago and termites got into the wood. Once the carpets were pulled back and some of the plywood was removed it was determined that the beams are d...
by Nova1967
Sat Aug 25, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 11970

Re: I own 1,387 items!

Wow anyone who would count all the items they own has to have a lot of time on their hands
by Nova1967
Sun Aug 12, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7715

Re: Paper checks yes or no?

I prefer a credit card or bill pay but If the vendor does not accept credit cards or wants to tack on 3% for using a credit cards its better to write a check,
by Nova1967
Sat Jul 14, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: How much does your accountant cost?
Replies: 21
Views: 2529

Re: How much does your accountant cost?

I had CPA do my taxes to correct a dispute with the IRS and continued to use her for a few years for $250 per tax return, Now I do Turbo tax and use the returns from the CPA as an occasional reference.
by Nova1967
Sat Jun 23, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Dallas Trip
Replies: 20
Views: 1659

Re: Dallas Trip

If you have a car or you could use Uber, check out FT Worth for a day, You could visit the Stockyards, Billy Bobs, The Kimbell art Museum and Sundance square. Its 30 miles west Dallas. Ft Worth is very Cowboy oriented. If you go to a Rangers game on a Friday night they have a big fireworks displays ...