Search found 124 matches

by Malinois000
Fri Jun 15, 2018 6:29 am
Forum: Investing - Help with Personal Investments
Topic: Sell T & buy VZ to realize a $10,000 loss?
Replies: 14
Views: 1044

Re: Sell T & buy VZ to realize a $10,000 loss?

I owned them both as they are both great dividend stocks if that is the way your portfolio is designed. In that case, why not just hold as T is a great dividend stock. However, if your motivation is to Tax Loss Harvest and exchange into a similar industry which also pays a good dividend, then I thin...
by Malinois000
Sat Jun 09, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 3226

Re: Porsche Macan

I purchased a 2017 Macan GTS in 2016 for my wife. I'm not a huge fan of spending a lot of hard earned money which could be growing in Vanguard funds on quickly depreciating expensive cars but my wife would not accept no for an answer. After spending quite a bit of time on the Macan forum, we offered...
by Malinois000
Thu Jun 07, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3391

Re: Best insurer? Allstate vs chubb vs AAA or others

State Farm hands down. I've been insured with them for all my insurance needs for over 30 years.
by Malinois000
Sun May 27, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 67
Views: 5365

Re: work one more year or attend law school

My daughter attending a top 5 law school. It will open a lot of doors; however, she received a generous scholarship and we paid the remainder and living expenses so she graduated with no dept. Many of the students graduate with a heavy debt load.
by Malinois000
Wed May 23, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4226

Re: Buy this home?

Coming from a person that has relocated in the double digits during the past 30 years so have purchased a number of homes, I think you and your wife make a nice income and have a substantial down payment. However, I would not recommend a home at that price point given your income. There are so many ...
by Malinois000
Wed May 23, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 3396

Re: Best buy and hold vanguard fund forever...

Have you considered a back door Roth? That's what may wife and I have been using the past years...
by Malinois000
Sat May 19, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2785

Re: Wife Retiring hesitant to roll-over funds to Vanguard

I agree with wifey. We have both Schwab and Vanguard. Both are great but I prefer Schwab. The overall diversification argument of your wife is compelling in my view although I wouldn't personally worry about the total at Vanguard.

Happy wife, happy life!
by Malinois000
Wed May 16, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13117

Re: how do you tip on wine at a restaurant

I tip 20% on entire bill including wine.
by Malinois000
Tue May 15, 2018 2:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 10988

Re: Yes, I'm 89 all right!

Happy Birthday, Jack! Celebrate! We look forward to reading your 12th book when it's available.
by Malinois000
Sun May 13, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5848

Re: New Car Suggestions: BMW Crapping Out

We have a 2008 BMW X5 that has 120k miles. We tend to pay approx $3000 annually with maintenance...there is always something. I purchase cars very infrequently and pay cash when I buy them. I always tell myself writing a $3,000 check is better than writing one for $50k. I plan to consider a replacem...
by Malinois000
Thu May 03, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2210

Re: Real Estate Commissions - How Negotiable?

Great feedback all. Thanks so much for all the advice!
by Malinois000
Thu May 03, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2210

Real Estate Commissions - How Negotiable?

My wife and I have sold and relocated several times during the past year under my employer's relocation program so I have never worried about the Real Estate commissions. We are planning to retire soon and will be marketing our current home. The home value is around $1.3 million. My question is: how...
by Malinois000
Sat Apr 21, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Visiting Chicago - Foodie suggestions?
Replies: 28
Views: 1950

Re: Visiting Chicago - Foodie suggestions?

Bandera on Michigan Avenue (across from Marriott) serves great food, live entertainment, and great service for a reasonable price. May be worth considering...similar to a Houston's, same owner in fact.
by Malinois000
Sun Feb 25, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2 kids starting Grad School. How to support equally
Replies: 15
Views: 1734

Re: 2 kids starting Grad School. How to support equally

Sounds fair. I have two kids that both attended Grad School of which we paid all their expenses as well. My daughter had an athletic scholarship for undergrad and a partial academic scholarship for Law School. My son attended private schools for both undergrad and grad school without scholarship. We...
by Malinois000
Sat Feb 24, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Value of an Elite MBA
Replies: 58
Views: 6055

Re: Value of an Elite MBA

Elite MBA programs open doors that tier 2 and 3 schools do not. I saw that clearly through my kids that both attending top 10 schools. Good luck.
by Malinois000
Thu Feb 22, 2018 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Wanna try a more risky fund in Roth IRA
Replies: 16
Views: 1704

Re: Wanna try a more risky fund in Roth IRA

AARK - investing in disruptive technologies.
by Malinois000
Thu Feb 22, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3665
Views: 1040069

Re: What Movie Have You Recently Watched?

Black Panther - terrific film!
by Malinois000
Wed Feb 21, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 10878

Re: Do you wear a wedding band? [at a job interview]

I do. Celebrated 28 years recently. I never leave the house without it.
by Malinois000
Wed Feb 21, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Will REIT funds ever see another drawdown like 2008?
Replies: 51
Views: 5094

Re: Will REIT funds ever see another drawdown like 2008?

I don't have any individual REITS but I have owned VNQ since 2009 in my taxable account. My basis per share is $43 so it has been an excellent performer and throws a lot of income. It is currently 6% of my portfolio. It is very volatile, however, I think REITs should be a part of a diversified portf...
by Malinois000
Wed Feb 21, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14854

Re: What big item (>20k) are you saving up for?

Patek Philippe for sure ... Just kidding. I do love mechanical watches but right now not saving much for anything. Do like to travel a fair amount, but don’t blow anywhere close to 20k on any one trip (maybe over two or three years of 7-10 trips a year, mostly weekend jaunts). Not saving up for it,...
by Malinois000
Sat Feb 17, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 20183

Re: For BHs who actually like cars - [what car do you drive every day?]

I haven’t splurged on it, but I’d love a Porsche Macan S. It’s around 70k including tax tag and title so i haven’t been willing to spend more than double what I normally spend on a car (once every 10-12 years) but it would be cool. Anybody have one? What’s your impression? Yes I have the Macan GTS ...
by Malinois000
Sat Feb 17, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 20183

Re: For BHs who actually like cars - [what car do you drive every day?]

2017 Porsche Macan GTS (paid cash so still feel I upheld my BH status)
by Malinois000
Sun Feb 11, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 13300

Re: Anybody else Age - 10 in bonds, rest in stocks

Age 57 and approx 62% stocks/38% bonds and cash. Plan to retire in 1-2 years with pension and deferred comp which will cover living expenses so feel comfortable with equities allocation
by Malinois000
Sun Jan 28, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Where do you get your auto loans?
Replies: 34
Views: 2907

Re: Where do you get your auto loans?

I'm a cash purchaser for cars.
by Malinois000
Sat Jan 20, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 8780

Re: Lost money through Bitconnect scam - learned my lesson

Remember this lesson, so you don’t enter another venture trying to “win back” your mistake and ending up in a deeper hole I despise Bitcoin and can’t wait for it to just go away. If you bought it in 08/09, sell this BS ASAP and consider yourself lucky Blockchain technology is valuable - Bitcoin is ...
by Malinois000
Sat Jan 20, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 8780

Re: Lost money through Bitconnect scam - learned my lesson

Remember this lesson, so you don’t enter another venture trying to “win back” your mistake and ending up in a deeper hole I despise Bitcoin and can’t wait for it to just go away. If you bought it in 08/09, sell this BS ASAP and consider yourself lucky Blockchain technology is valuable - Bitcoin is ...
by Malinois000
Sat Dec 30, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 8432

Re: The Economics of a new Puppy

I own a Belgian Malinois which is also in the herding group. Herding dogs are incredibly smart and incredibly active. They need a job. Be prepared to spend a lot of time with your new friend or he will become bored and cause quite a bit of destruction. Good luck...post a photo too!
by Malinois000
Sun Dec 24, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3387

Re: Securing Law School Scholarships

My daughter is a URM and had a 4.0 GPA in college and a similar LSAT to yours. She received numerous scholarship offers from the T-14 schools. She selected Univ of Chicago (T-4). Good luck....I like your chances as I'm fairly certain you will receive offers.
by Malinois000
Fri Dec 22, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

This is likely a healthy pullback for Bitcoin. I admit today was a bit unsettling but like I said on the original post. It's been an interesting ride so far. I'm still holding my original August 2017 investment. I think it will work out well over time....however, time will tell - won't it?
by Malinois000
Thu Dec 21, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

Iruntons wrote:
Thu Dec 21, 2017 4:45 pm
I took 5% of my portfolio in June and started investing in Crypto. It is now 20% of my portfolio after taking out my original investment. I understand and accept that most Bogleheads are very anti Crypto but I'm sure glad I jumped in.
I agree completely!
by Malinois000
Fri Dec 15, 2017 4:27 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 19858

Re: Call the top! - Bitcoin

Much higher than it is today!
by Malinois000
Thu Dec 14, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 7630

Re: State Farm Insurance, Time to Leave

30 plus year satisfied State Farm customer!! 3 autos, home, Life, PLUP, PAP etc.
by Malinois000
Sat Dec 09, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have any guilty pleasure investments?
Replies: 53
Views: 3793

Re: Do you have any guilty pleasure investments?

Bitcoin and so far it has paid off nicely. The next couple of weeks should be interesting now that Wall Street is getting ready to join the party.
by Malinois000
Sun Nov 26, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Need a profit taking strategy for Bitcoin windfall
Replies: 9
Views: 1269

Re: Need a profit taking strategy for Bitcoin windfall

hodl. You got in before Wall Street and Main Street. Wall Street is coming in December...Main Street will then follow. You have a lot more upside - don't sell yet! I don't think so. Main Street has been buying in since the summer. How do I know? When you have co-workers telling me they have been bu...
by Malinois000
Sun Nov 26, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need a profit taking strategy for Bitcoin windfall
Replies: 9
Views: 1269

Re: Need a profit taking strategy for Bitcoin windfall

hodl. You got in before Wall Street and Main Street. Wall Street is coming in December...Main Street will then follow. You have a lot more upside - don't sell yet!
by Malinois000
Sun Nov 26, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

I have not spent, nor do I plan to, as I use it as a store of value - especially the Bitcoin. The appreciation has been like no investment I've had before so I have no plans to spend. HODL (Hold on for Dear Life) is my current plan. You've got the HODL part wrong. It's not an acronym. It's just "ho...
by Malinois000
Sun Nov 26, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

If you're certain that bitcoin is a bubble or a Ponzi, you can short it. Coinbase is a mainstream, well-insured exchange that you can use to purchase a short. Then, if the value of bitcoin plummets, you'll profit significantly. Have any bogleheads shorted bitcoin? You can not short Bitcoin on Coinb...
by Malinois000
Sun Nov 26, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

If you're certain that bitcoin is a bubble or a Ponzi, you can short it. Coinbase is a mainstream, well-insured exchange that you can use to purchase a short. Then, if the value of bitcoin plummets, you'll profit significantly. Have any bogleheads shorted bitcoin? You can not short Bitcoin on Coinb...
by Malinois000
Sun Nov 26, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

Can someone explain how these cryptocurrencies such as bitcoin will be used for everyday transactions when the price is extremely volatile, transactions slow and expensive, limited acceptance, complex to use for everyday people, potential restrictive regulations etc? How will these cryptocurrencies...
by Malinois000
Sun Nov 26, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 13165

Re: Didn't buy Bitcoin at $4600

I purchased a handful in mid August at $4,200 along with Ethereuem. So far, it's a great investment. I am holding as I think it's going much higher now that hedge funds and the CME are getting involved.
by Malinois000
Sat Nov 25, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

Can someone explain how these cryptocurrencies such as bitcoin will be used for everyday transactions when the price is extremely volatile, transactions slow and expensive, limited acceptance, complex to use for everyday people, potential restrictive regulations etc? How will these cryptocurrencies...
by Malinois000
Fri Nov 24, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

I love this forum, but it's not a good place to discuss cryptocurrencies unfortunately. You would never own cryptocurrencies if you listened to the consensus here, so I don't think asking this forum for advice on it is going to bear much fruit. I am personally a big believer in crypto currencies an...
by Malinois000
Wed Nov 22, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

I do think digital currencies and especially blockchain technology is a game changing breakthrough and I refused to sit on the sidelines and not participate. As I said: time will tell, but I think those that rule it out completely may regret that position one day. But does an investment in a crypto...
by Malinois000
Wed Nov 22, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

Sell! Sell! Sell! No sir! There is a lot more money to be made! Why ask for others' input if you've already made a decision? I'm interested in others' input but not selling three months after making a decision to invest. As I referenced, I'm a long time dividend growth investor...never been much of...
by Malinois000
Wed Nov 22, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

Then why have such a small percentage of your investments in it? :wink: Good question - in hindsight I should have invested much more. The small percentage is still a decent amount. I wanted to invest an amount that if it is a bubble the disappears I wouldn't beat myself up for the next 10 years. I...
by Malinois000
Wed Nov 22, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Re: Interesting ride so far - Crypto-curriencies

livesoft wrote:
Wed Nov 22, 2017 8:48 am
Sell! Sell! Sell!
No sir! There is a lot more money to be made!
by Malinois000
Wed Nov 22, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 10036

Interesting ride so far - Crypto-curriencies

I'm a staunch Dividend Growth Investor but decided in August to place 3.5% of my aftertax investment fund allocation into Crypto-currencies. My mix is 78.1% Bitcoin; 2.3% Bitcoin-Gold (hardfork) and 19.1% Ethereum. My original investment has increased 69.7% since the August 2017 entry date. Quite th...