Search found 223 matches

by cantos
Tue Jul 17, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 78
Views: 8027

Re: Amazon Prime Day 2018

The deals are totally random, I think. I saved $5 yesterday on a USB wall charger that I needed and had been on my wishlist for a few months. This morning Amazon sent me a notice that another item on my wishlist, some noise-cancelling headphones that had been on my list for almost a year, were $75 ...
by cantos
Mon Jul 16, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 59
Views: 2387

Re: Have you ever purchased a pricy musical instrument?

40k grand piano. Well worth it. 4k acoustic guitar. Well worth it. I have played guitar for over 10 years and am pretty happy with my $400 Seagull - what about it makes yours particularly worth it to you, out of curiosity? I could never picture myself spending that much on a guitar. Just so happens...
by cantos
Mon Jul 16, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 59
Views: 2387

Re: Have you ever purchased a pricy musical instrument?

40k grand piano. Well worth it. 4k acoustic guitar. Well worth it. In fact, among the best buys I've ever made. I don't have a collection of guitars/pianos, just the above. It's a world of difference between the nice stuff and the stuff below. I don't know much about violins, but I knew some hardcor...
by cantos
Thu Jul 12, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4275

Re: Which advanced tech is necessary in cars?

Insurance rates is an actuarial calculation based on costs. It has nothing to do with the severity of an injury or loss of life. In fact, if you lose your life, that is even better for insurance rates. So, no, looking at insurance rates is not a great way at all to assess how good a safety feature ...
by cantos
Wed Jul 11, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4275

Re: Which advanced tech is necessary in cars?

One way to look at this is how do these extra safety features affect insurance rates? The discounts for most of these safety features is slim to none. While these features do reduce the frequency of accidents, they can paradoxically drive up the severity. https://www.freep.com/story/money/personal-...
by cantos
Tue Jul 03, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 2837

Re: How Not to be a Slave to my Wood Deck?

Limoncello402 wrote:
Tue Jul 03, 2018 5:52 am
Will this be the pattern of my life?
Yes.

:wink:
by cantos
Wed Jun 27, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 343
Views: 31764

Re: What is/ was your career and would you recommend it now?

Bogleheads: My career: 1. Laborer on a construction project (my first job and the hardest). 2. Paratrooper in World War II 3. LIfe Insurance Salesman (disliked the most). 4. Commercial laundry manager 5. IRS Revenue Officer 6. SBA Chief of Financial Division 7. Miami-Dade Housing Director 8. Charte...
by cantos
Tue Jun 26, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7100

Re: Family dynamics/in laws/am I being petty?

stoptothink wrote:
Tue Jun 26, 2018 9:57 am
My MIL is fantastic with our kids and my children are flourishing, it is night and day from daycare...
Dude. If I had childcare that was fantastic I'd be over the moon and would pay an arm and a leg.
by cantos
Tue Jun 26, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5123

Re: car for long-distance driving

Everyone has a car opinion right? Me included. Agree with above posters on bigger & heavier for a highway car. Lincoln Town Car, Toyota Avalon, Camry, fit the bill. I have a Ford Fusion that does well too. I'd also recommend a V6 - most engines are very efficient on the highway and you won't get muc...
by cantos
Tue Jun 26, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: I've been swindled!
Replies: 21
Views: 5399

Re: I've been swindled!

Look up the meaning of the words "judgment proof".

Then consider the axiom "don't throw good money after bad".
by cantos
Tue Jun 19, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4356

Re: Shorting Amazon

Surely I'm not the only one that refuses to use Amazon unless absolutely necessary because of the way they treat their employees, though. The CEO has $100 billion but the warehouse workers (reportedly) pee in bottles? I can't fault people for saving money, but I'll stick with paying an extra dollar...
by cantos
Sun Jun 17, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1314

Re: Long Weekend in November - NOLA, Austin, Other

LOVE the quote about Times Square. That is a perfect analogy for things I often hear from people that experienced a tiny subsection of a great place. Where do you stay when you go? Unless there's a real unique location, we generally pick a Marriott. Higher end but not too expensive, know what you'r...
by cantos
Thu Jun 14, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1314

Re: Long Weekend in November - NOLA, Austin, Other

NOLA is great. Those who hate it because they hated the french quarter are, sadly, just tourists who didn't bother to get to know NOLA. I've also found that those that don't like NOLA tend to go alone. It's like going to NYC and thinking it sucked because you walked down to Times Square and all you ...
by cantos
Tue Jun 05, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 13981

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

This is basically a financial site, so you can expect many to state the obvious, that this makes no sense financially. It does not have to in your situation. I have to disagree here. Given his financial situation this makes perfect sense. He can do whatever he wants at this point. That's the point ...
by cantos
Mon Jun 04, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 5073

Re: Fitting three young kids in the car...

kjvmartin wrote:
Wed May 30, 2018 12:41 pm
We've got a four year old, 16 month old, and one due in September.
...
This is not a fashion statement for me. I just want the best mix of comfort, function, and economical, way to cart the kids. Thoughts?
No brainer. Odyssey. We have one and it is amazeballs.
by cantos
Mon Jun 04, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 433
Views: 51865

Re: How much money do you want to retire?

Riprap wrote:
Sun Jun 03, 2018 9:03 pm
AlphaLess wrote:
Sun Jun 03, 2018 6:57 pm
Time to pull out more abstract numbers now.
$6.02214 X 10^23 ought to do nicely.
That would put you in a super position.
by cantos
Mon Jun 04, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Home Reno, your objective opinion please.
Replies: 34
Views: 2951

Re: Home Reno, your objective opinion please.

trying2live wrote:
Mon Jun 04, 2018 9:20 pm
We are artists.

No way I can say that without feeling pretentious. I should just say, "we make pretty things that people place a random value on."
Wow, that's incredible. Thank you for the reveal!
by cantos
Mon Jun 04, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Home Reno, your objective opinion please.
Replies: 34
Views: 2951

Re: Home Reno, your objective opinion please.

Got to ask: what does OP and spouse do for a living?
by cantos
Sun Jun 03, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 13981

Re: Can Retired 60 yo MD, MBA Start a Law Career?

"I was a PhD student for a while and academia sucks, I don't care if it's law or something else. Lots of politics, people fighting over little things, cliques, etc. The worst." I admit I haven't considered these sorts of factors, except to assume that they are more or less the same in every setting...
by cantos
Sun Jun 03, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 13981

Re: Can Retired 60 yo MD, MBA Start a Law Career?

Thanks. That's helpful. Was your older colleague hired by a major law firm out of law school at that age? Do you know why he went back to medicine? Yes, one of the best firms with one of the top medmal practice areas. Have no idea why he went back to medicine, but the reasons for leaving law are of...
by cantos
Sun Jun 03, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 13981

Re: Can Retired 60 yo MD, MBA Start a Law Career?

Based on blogs and online articles, it seems that Big Law involves many interruptions, and many deadlines -- both impossible and bogus. However, I haven't read that the job wakes you up at night. In any event, I think that work as a law professor might suit both my interests and talents. I have muc...
by cantos
Sun Jun 03, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 13981

Re: Can Retired 60 yo MD, MBA Start a Law Career?

When I was younger I had different interests, all physical pursuits. At this age I enjoy work if: 1. I am, or can become an expert. 2. It doesn't wake me up in the middle of the night. 3. I can work quietly at a comfortable pace without interruptions. I believe the answer is you can do it. Easily. ...
by cantos
Fri Jun 01, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: What exactly causes a spring mattress to wear out?
Replies: 27
Views: 2146

Re: What exactly causes a spring mattress to wear out?

Go to https://www.themattressunderground.com

The owner Phoenix posts there and is extremely knowledgeable.

Agree re your analysis of springs staying good and padding deteriorating.

I bought organix latex and am extremely satisfied. More expensive. Will never do anything else.
by cantos
Thu May 31, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Car with best smell, pollution and noise insulation
Replies: 24
Views: 1978

Re: Car with best smell, pollution and noise insulation

For noise there are rankings online. Try this for starters: http://www.auto-decibel-db.com/ For a stress-free drive, full adaptive cruise control is a must. Look for cars that can do this. Start here: https://en.wikipedia.org/wiki/Autonomous_cruise_control_system#Vehicle_models_supporting_adaptive_c...
by cantos
Wed May 30, 2018 2:05 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4784

Re: My mind exploded

A graduation present is meant to be spent. Nuff said.
by cantos
Fri May 25, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Alexa Echo sent family's audio file to a contact
Replies: 64
Views: 5886

Re: Alexa Echo sent family's audio file to a contact

I think it's an over-reaction and a disservice to yourself and your kids NOT to use a voice command device. Your phones are already listening to you with Hey Siri and OK Google. Alexa should be the least of your worries. It is also just a matter of time (5-10 years?) when listening devices will be e...
by cantos
Sun May 20, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3443

Re: Wifi + wired device

This is a no-brainer. A mesh wi-fi system is the easiest to set up/highest performing/bang for the buck combo out there. I use google wifi and it rocks.
by cantos
Mon May 07, 2018 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8632

Re: What career for smartest kid in the class?

I would get a job in a field I was interested in, regardless of what it paid, assuming I could live on the salary, which is what I did with one bad exception. Going after just money is a sure way to waste one's life. This. While "smartest" can be interpreted in many ways, people I know who have ext...
by cantos
Sun Apr 29, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5278

Re: Maple syrup

Buy local or make your own if at all possible. I can definitely taste the difference. To the point where I firmly believe store brands are watered down with corn syrup.
by cantos
Sun Apr 29, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 7812

Re: Money vs. Work-life balance

I'm currently debating on whether to start looking for my next job. My current MegaCorp has been having financial issues for the past 2-3 years that just don't seem to be going away and the board of directors are not voting to replace the C-level managers (all of whom need to go in my opinion). Tha...
by cantos
Thu Apr 26, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 16449

Re: Is Los Angeles a good place long term to live financially?

GrayS26 wrote:
Tue Apr 17, 2018 3:55 pm
3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone
This is awesome. In this order: :idea: :moneybag :sharebeer :oops:
by cantos
Thu Apr 26, 2018 12:26 pm
Forum: Investing - Theory, News & General
Topic: Currency Risk for ETFs [Canada]
Replies: 37
Views: 1915

Re: Currency Risk for ETFs [Canada]

... and issues like taxation, MER costs and spread fees are vital things to consider. Over the course of a few decades, the two funds should have very similar returns. I note you said taxation, MER, spread fees are "vital" things to consider when you're looking at holding a US ETF directly or indir...
by cantos
Wed Apr 18, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Will question
Replies: 28
Views: 2735

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: 3660

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: 3660

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: 1326
Views: 103755

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: 93
Views: 17994

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: 211
Views: 13254

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: 4216

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: 211
Views: 13254

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: 6403

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: 6196

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: 6196

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: 11329

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: 11283

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: 74
Views: 8099

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: 20125

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: 9897

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: 8738

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: 4185

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...