Search found 191 matches

by cantos
Wed Apr 18, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Will question
Replies: 27
Views: 2143

Re: Will question

afan wrote:
Wed Apr 18, 2018 6:27 am
You need a more qualified attorney. These are routine questions for someone who practices estates and trusts law.
This. I can't believe the attorney couldn't answer your basic questions. Leads me to query whether the will was done adequately.
by cantos
Wed Apr 18, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3045

Re: Broke up with my girlfriend for financial reasons: crazy?

Why are you looking to strangers to endorse your choices in a personal relationship? Honestly, you need to do some self-examination. ... You need to do some self-examination. ... To be direct: you sound fairly immature and need to grow up. That isn't a way to say you should be ok ... You also need ...
by cantos
Wed Apr 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3045

Re: Broke up with my girlfriend for financial reasons: crazy?

I absolutely respect her life decisions, but the problem is that those are somehow affecting me, in the sense that every time we go out (and she likes to go out a lot) I have to pay for everything (dining, drinks, ...) There's a song for this. Oh right:GOLD DIGGER https://www.youtube.com/watch?v=6v...
by cantos
Tue Apr 17, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 692
Views: 55951

Re: To take or not to take delivery of Tesla 3

We are a long way from self-driving cars. My Ford Fusion's lane-keeping system has the same issue as the Tesla. If your car is scanning the lines on the road for lanes, it is dangerous when the lines converge and diverge, faded in one area but not in the other, as the car wants to go where the lanes...
by cantos
Sun Apr 15, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?
Replies: 84
Views: 13279

Re: How can I Invest 4 million dollars to earn 120k (inflation adjusted) a year for life?

What I found amusing was that the OP, in their later response, noted that the funds were safe....in crypto currency :oops: I kind of stopped reading after that...especially when they required safety as part of the initial conditions (the conflict of the two didn’t compute) Same here. Wondering when...
by cantos
Fri Apr 13, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10656

Re: Work Commute: How far is too far?

F150HD wrote:
Fri Apr 13, 2018 2:15 pm
jehovasfitness wrote:
Fri Apr 13, 2018 9:08 am
What's your limit?

exact same thread

viewtopic.php?f=11&t=242607
That's what I said! OP seems rather proud to replicate threads.
by cantos
Fri Apr 13, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Help with shared child being spoiled
Replies: 46
Views: 3889

Re: Help with shared child being spoiled

ddurrett896 wrote:
Thu Apr 12, 2018 8:39 am
...we have been married since age 2.
That's amazing. I'm not so sure I could have committed so soon myself!
by cantos
Fri Apr 13, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10656

Re: Work Commute: How far is too far?

This exact topic was just covered 2 months ago. Your title is in fact almost verbatim. I must be a BH snob now 'cause I'm thinking, do a search before you ask questions. :oops:

viewtopic.php?t=242607
by cantos
Fri Apr 13, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 5667

Re: Owners Title Insurance - Super Heavy Handed Pitch

That said, I think this topic deserves a more rigorous analysis than I'm seeing here, and more rigorous than I've come to expect of BH'ers in every other aspect of their financial life. Consider a similar claim about protecting large amounts of assets: "Don't you want a professional financial advis...
by cantos
Fri Apr 13, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 5628

Re: Help me choose a top law school!

I think though that book makes a point about social capital? We hire in our own image? U Chicago sounds, like the university itself, very hard work, very "nerdy". My guess is if you want to teach law, it's not a bad place to start? They were the home of Law & Economics as a discipline-- although th...
by cantos
Thu Apr 12, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 5628

Re: Help me choose a top law school!

I have found the book, Pedigree: How Elite Students Get Elite Jobs, to be 100% on the mark, and you may find it helpful.

Pedigree matters. If it was me, I'd choose the absolute best school I could get into - so U Chicago.

https://www.amazon.ca/Pedigree-How-Elit ... 0691169276
by cantos
Wed Apr 04, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 10363

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

stan1 wrote:
Tue Apr 03, 2018 9:25 pm
Sounds like they should start a business promoting a frugal lifestyle and then make a lot of money off it while claiming to not be working.
Ok ok ok ok ok. I laughed out loud in my office, literally. Thanks!

:sharebeer
by cantos
Tue Apr 03, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 10051

Re: The "American companies I invest in already have international exposure" argument --- valid or not?

Let's back up. Nis's argument implied that a .85 correlation meant that we could expect around 85% similar returns from US and international. I am refuting the implication that correlation and returns are coupled in that way. I am not concerned with correlations as such, but rather with the danger ...
by cantos
Mon Apr 02, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 59
Views: 4640

Re: Career Move: Please convince me why I should not work in tech

Friend of mine in 30s switched from law to AI programming (took 2 years off to do Masters) and was heavily recruited by firms that need it, from insurance companies to tech companies to Goldman Sachs. He llikes it a lot, and chose a start up as he doesn't care too much about compensation. As you do ...
by cantos
Wed Mar 28, 2018 3:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17137

Re: A lot of heavy hitters this morning

MikeWillRetire wrote:
Wed Mar 28, 2018 11:58 am
If the Bogleheads forum makes you feel poor, then check out the Bankruptcy Forum for an attitude adjustment. It's a very humbling forum.
http://www.bkforum.com/
Wow. Just read the first page of a thread and it was too much for me to bear.
by cantos
Thu Mar 22, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9216

Re: I’m looking for a word...

Rick Ferri wrote:
Thu Mar 22, 2018 11:12 am
I’m looking for the word or phrase that describes how a complex system changes either predictably or unpredictability when a pasive observer becomes an active market participate. Any ideas?
Three-body problem..... at least, when compared with the two-body problem. lol.
by cantos
Sat Mar 17, 2018 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Spoke to a financial advisor yesterday - what do you think he's up to?
Replies: 81
Views: 8200

Re: Spoke to a financial advisor yesterday - what do you think he's up to?

Sometimes the responses here are so rote that its reasonable to wonder if the topic at hand is being engaged or if there's a lot of group think. If you don't appreciate the great advice here, that is your loss. This FA is trouble. Note also he holds power over you: he employs your wife. There is no...
by cantos
Wed Mar 14, 2018 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting interactive guide to early retirement & FI
Replies: 29
Views: 3980

Re: Interesting interactive guide to early retirement & FI

A nice site. I find most of these sites don't account for kids or spouses (dual income?) very well. Would be pretty awesome if it also asked how many kids, what the age of kids are, and how much tuition will be for the kids in university (as I think most of us would like to pay for our childrens' tu...
by cantos
Wed Mar 14, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 12396

Re: Need advice re: Liberal Arts Colleges...

Our system is set up to provide educators and administrators a nice lifestyle, not to provide guidance to students. Nifty saying there! Reminds me of what they say about investment advisors. The system is set up to provide investment advisors a nice lifestyle, not to provide guidance to investors.
by cantos
Tue Mar 13, 2018 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 12396

Re: Need advice re: Liberal Arts Colleges...

What an interesting thread. Love that philosophy majors seem to have been very successful. Makes me think of my own history. I went into university, big school, great engineering department, because it was basically what the men in my family do. I hated it, did poorly, and quit the first year. Switc...
by cantos
Fri Mar 09, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3686

Re: MD-Phd (Harvard) vs MSTP (School X)

Having a son who choose another, top school based on mentorship, and his wife who chose Harvard, I would say both made the best choice for themselves. That is the route of caring parents, in my opinion........to aid in elucidation of the options while leaving the decision to the child. Tim Yes. Nic...
by cantos
Thu Mar 01, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2602

Re: [Manuka honey]

+1. As another beekeeper whose backyard honey is in great demand by our friends and family my impression is local produced honey with only one filter before selling is all about same health value other than taste which depends on the specific flowers and nectar and pollen sources by bees. Key is to...
by cantos
Thu Mar 01, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: What next? A personal finance story starting in 2012, updated in 2016, and again in 2018
Replies: 49
Views: 5125

Re: What next? A personal finance story starting in 2012, updated in 2016, and again in 2018

Very similar trajectory here, a little older. We decided around where you are at now to aggressively pay down the loan. Loved making that decision. Its amazing to get income and do whatever the hell u want w it, and have no debt to chain you down. So I'd go for option 1 or 2. Also - just 1 mil in li...
by cantos
Thu Mar 01, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 77
Views: 7121

Re: AAPL, AMZN, or GOOG?

I like and invest in Amazon, Google, and Facebook. Have used Apple products and don't like being stuck in the ecosystem so I don't bet on what I don't use. To the naysayers who cite Enron, Nortel, etc., no offense but you are out of your mind if you think they are comparable. Virtually everyone in n...
by cantos
Mon Feb 26, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Dislikes Bonds
Replies: 57
Views: 6762

Re: Warren Buffet Dislikes Bonds

Warren Buffet: “There is simply no telling how far stocks can fall in a short period,” Buffett said. “As an investor’s investment horizon lengthens, however, a diversified portfolio of U.S. equities becomes progressively less risky than bonds, assuming that the stocks are purchased at a sensible mul...
by cantos
Mon Feb 26, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 9357

Re: Blasphemy... DO PEEK!

100%. I check it every day. Get to make funny comments to wife like "today, we made the equivalent of a Hyundai", or "did you know we lost an average person's salary today" when the market goes down. And so on. It definitely immunizes/blunts the up/down of markets for me.
by cantos
Sun Feb 25, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10656

Re: How Far is too Far, Commuting?

beezquimby wrote:
Sun Feb 25, 2018 12:25 am
Is that 2 hours each way?
cantos wrote:
Sun Feb 25, 2018 12:12 am
4+ hour commute here,
Yup. At least.
by cantos
Sun Feb 25, 2018 12:12 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 205
Views: 10656

Re: How Far is too Far, Commuting?

4+ hour commute here, from the boonies to urban centre, mostly by train. Includes a short car ride home to/from train station, and walk to/from urban centre train station to work. 50k/yr more than I'd get in my hometown. Is it worth it for the additional income equivalent/more than an average person...
by cantos
Tue Feb 20, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2574

frustrated with patek philippe poor service

What would you do? I have a vintage gold patek with very strong sentimental value, given to me. It works alright (automatic) but is too small for my wrist. From what I can tell online, the watch itself is worth maybe $10k. I send it over to Patek locally for repair/updating (it's been 30+ years sinc...
by cantos
Tue Feb 20, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 11493

Re: What has been your most important skill in achieving financial independence?

sonofdelrinson wrote:
Sat Feb 17, 2018 12:57 pm
Ged wrote:
Sat Feb 17, 2018 12:55 pm
Marrying a smart frugal hard working woman.
Any advice on that front? :D
This one is easy. Don't settle. You'll know her when you see her.
by cantos
Sat Feb 10, 2018 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 4840

Re: Can I afford to move to a lower paying career?

Gotta go with the drunk guy, the captain, and the dude. You have enough. Do whatever makes you and your wife the happiest. Another +1 for the above. So I'm with the drunk guy, the captain, the Dude, and Quant. Your retirement will really tie the room together. +1. I'm with the drunk guy, the captai...
by cantos
Tue Feb 06, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Want a Safe Car, Feel Guilty
Replies: 72
Views: 5358

Re: Want a Safe Car, Feel Guilty

Time to answer OP's question. A 2-4 year old Ford Fusion Energi Titanium often comes packaged w the safety features (lane-keeping, blind spot light, adaptive cruise control, collision warning) - not necessarily, so do your research. But it worked for me and it's very affordable!
by cantos
Sun Jan 28, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 53
Views: 4082

Re: Certified Used BMW, Audi or Mercedes

A beemer out of warranty will cost at least $1,000/yr to maintain. Plan for that! To compound that, if you visit the dealer while IN-warranty, they will find stuff such that your total bill is $1,000. My BMW 325i after warranty had, until I got sick of paying for it and gladly got rid of it on craig...
by cantos
Sun Jan 28, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Keeping a new BMW shiny!
Replies: 27
Views: 2422

Re: Keeping a new BMW shiny!

Had a beemer for 6 years. Didn't do anything special (northeast north america, snow, etc) other than once a year spring detailing for $100. Thought it always looked good. Silver was/is the best car for those babies.
by cantos
Wed Jan 24, 2018 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Losing job soon but have big nest egg -- problem?
Replies: 20
Views: 3024

Re: Losing job soon but have big nest egg -- problem?

So I stayed at the job for 12+years because it paid well. But i didn't really like it. Wife likes her job. My company is going out of business within next 6 months so I am contemplating my next step. I don't really need to make what I made before and should probably find something that I like but f...
by cantos
Mon Jan 15, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1818

Re: Portfolio Advice - Jumping in when the market is high

It was high in 2011. I invested everything as per my investment plan & allocation. It was high in 2012. I invested everything as per my investment plan & allocation. It was high in 2013. I invested everything as per my investment plan & allocation. It was high in 2014. I invested everything as per m...
by cantos
Mon Jan 15, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Jumping in when the market is high
Replies: 24
Views: 1818

Re: Portfolio Advice - Jumping in when the market is high

It was high in 2011. I invested everything.
It was high in 2012. I invested everything.
It was high in 2012. I invested everything.
It was high in 2012. I invested everything.
It was high in 2012. I invested everything.
by cantos
Mon Jan 08, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: new book from co-author of Millionaire Next Door
Replies: 7
Views: 2392

Re: new book from co-author of Millionaire Next Door

Ordered, received and read the book in less than 31 hours since the OP was made on Sunday? Impressive. Kindle. Fast skim when you're reading what you already know. Also confirmed for me that Stanley was the real mover behind Millionaire Next Door. His daughter has a company that is doing interestin...
by cantos
Mon Jan 08, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: new book from co-author of Millionaire Next Door
Replies: 7
Views: 2392

Re: new book from co-author of Millionaire Next Door

Bought it based on op's recommendation. Lots of regurgitation from Millionaire next door. Nothing new, and in fact lots old (Maslow's stages? Really?). Mixed in with some religious preaching.

In a word, no thanks.

Returned the book asap. Thank god for Amazon.
by cantos
Thu Jan 04, 2018 12:22 am
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 6505

Re: Kidde fire extinguisher recall

OP - thank you for this post. Just found out mine is caught in the recall.
by cantos
Thu Dec 21, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8047

Re: New job offer - background check

They checked my professional references and I received stellar references from all. Then they extended a verbal offer over the phone via my recruiter. I accepted and then she asked me about a start date. I said I needed to give two weeks notice and therefore January 8 would be good. She said congra...
by cantos
Thu Dec 14, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3409

Re: Access to landlocked timber blocked by landowner

I spoke to the landowner and he stated that the person leasing the hunting ground did not want my vehicle on the north side of the timber because it affected the way the deer traveled. In situations like this, where there is no compromise (old father and pregnant wife), all you can do it fight fire...
by cantos
Tue Dec 05, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Everyone, Even a Passive Vanguard Investor, is a Factor Investor (Alpha Architect/Jack Vogel, 11-30-17)
Replies: 39
Views: 1843

Re: Everyone, Even a Passive Vanguard Investor, is a Factor Investor (Alpha Architect/Jack Vogel, 11-30-17)

Ho hum. Change the typical definition of a word into what you want it to be, and suddenly everyone's a factor investor. I hereby define factor investing as spending money in any asset. So when you buy a car you are factor investing. :oops:
by cantos
Sat Dec 02, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 28168

Re: Currently have $700,000 at 26 years old get $100,000 a year

The OP's primary concern is a fear that he won't have enough, etc. The answer seems quite obvious. Get a good job. Seriously - earning an income, knowing you have a way to make enough money to cover all your expenses if you need to (starbucks doesn't cut it), failing at something and being able to g...
by cantos
Wed Nov 29, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 5943

Re: 2018 Goals - Financial or Otherwise

Treasure. Every. Second. Of. Life.
by cantos
Wed Nov 29, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Ditched Polar Seltzer for Soda Stream - Flavorings?
Replies: 6
Views: 632

Re: Ditched Polar Seltzer for Soda Stream - Flavorings?

Ribena blackcurrant concentrate. 'Nuff said.
by cantos
Tue Nov 21, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 2335

Re: Recommend a daily driver

Situation: Going off to grad school so I will need something that is reliable and comfortable for 3-4 hr drives and stop & go traffic. My current car is a 2004 BMW M3 so I will obviously be downgrading in the fun department. Budget is around 20k and under. I would prefer something with decent resal...
by cantos
Tue Nov 21, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 2335

Re: Recommend a daily driver

for 3-4 hour stop and go trips yet cheap and reliable ..... perhaps the antithesis of the M3? A Prius. :shock: I have to say it. Cue up the Top Gear episode where an M3 followed a Prius around the track.....and beat it's MPG handily. The top gear episode is misleading as they have the Prius driven ...
by cantos
Mon Nov 20, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2950

Re: Are expensive tires worth it?

I don't gamble on this one. Michelin Defenders for most of the year, and Michelin X-Ice 3 for the winters. Is my life/health and those in my car worth the extra $500 or whatever bucks? Of course. Statistically speaking compared with many activities, driving is dangerous. Do what you can to make it s...
by cantos
Fri Nov 10, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 10538

Re: Thouhgts about wearing a "uniform"/same thing everyday?

All these posts and I'm surprised no one has mentioned why this has become a thing. It's because of a phenomenon called decision fatigue (google it). The theory is you start the day with a tank of fuel to make decisions. Every decision you make uses up some fuel. By the end of the day/after having m...