Search found 522 matches

by Bulldawg
Tue Jul 07, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 159
Views: 20126

Re: Landlords: How are you doing this year?

2 rentals in Atlanta. 1 tenant purchased a home and moved out , but I had it rented in one week via word of mouth .
by Bulldawg
Sat May 30, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39907

Re: The axe falls and I am prepared. What's next?

KF : You’re financially ready to retire but make sure you have the non -financial items thought out . We all need a reason to get up every day and you’ve had experience with this with your unemployment “ dry runs “. You’ve enjoyed a very mentally stimulating career of being the go-to troubleshooter ...
by Bulldawg
Fri Apr 24, 2020 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: PPP with Wells Fargo
Replies: 55
Views: 4864

Re: PPP with Wells Fargo

No luck with WF or SunTrust -Truist , even though I was a long time customer. I WAS able to obtain the PPP loan through my community bank in about 10 days from application . Guess where my accounts will be consolidated very soon ? :D
by Bulldawg
Sat Apr 18, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: PPP loan: hard pull personal credit report?
Replies: 6
Views: 783

Re: PPP loan: hard pull personal credit report?

+ 1 on using the community banks
by Bulldawg
Mon Aug 26, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1942

Re: Zelle at non-participating Bank/CU

We recently switched to Fidelity for our primary checking needs, which is not currently a participating Zelle institution. However, we decided to leave our Zelle account linked to our CapOne360 checking account. We keep very little money in it and thus it limits our liability issues. Would you cons...
by Bulldawg
Fri May 31, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 501
Views: 61949

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

Business degree/ Accounting Major Spent most of my career as a business owner in service industries ( real estate / horticulture / landscape contracting / trash hauling ) - would I do it again ? Yes ! Would I recommend ? Only if you can’t imagine NOT working for yourself . My children all have regul...
by Bulldawg
Fri Mar 29, 2019 8:19 pm
Forum: Personal Investments
Topic: Post 59.5 tIRA withdrawals to fund Roth’s
Replies: 9
Views: 1120

Re: Post 59.5 tIRA withdrawals to fund Roth’s

The Roth limits for OP is 6500 for 2018 and 7k in 2019
by Bulldawg
Sat Jan 26, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Car maintenance - dealer or independent shop?
Replies: 51
Views: 3389

Re: Car maintenance - dealer or independent shop?

Independent shop with owner /techs having years of experience with same car brand . Best of both worlds .
by Bulldawg
Sun Jan 13, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Meanings of probability
Replies: 11
Views: 1614

Re: Meanings of probability

Weather forecaster was hilarious !
by Bulldawg
Sat Jan 12, 2019 11:32 am
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 276
Views: 30539

Re: Biggest Investment Mistake

Toss up between going into business with a partner who proved to be " ethically challenged " ; OR getting involved with Wade Cook's option program .

Come to think of it , it was the partner's idea to go with Cook's " get rich quick" scam , so the partnership takes top blunder .
by Bulldawg
Sat Jan 12, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 11165

Re: Did you ever "win" big?

Although a very small percentage of my holdings , Berkshire & Warren Buffett have provided a nice ROI over the years . Most of our equity is in 2 fund indexes, RE, and personal businesses , but it's been fun watching Berkshire increase in value and reading WB's annual reports.
by Bulldawg
Thu Nov 08, 2018 6:31 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 58190

Re: Whats your number to walk away?

From observing my elders I figured out that when you "walk away" from engaging in the work that gave your life meaning you are almost certain to deteriorate. Everyone I watched in the generation above me who retired had grandiose plans. They were going to write books. They were going to d...
by Bulldawg
Wed Aug 29, 2018 8:41 pm
Forum: Personal Investments
Topic: Help choose what to invest in 403B
Replies: 7
Views: 542

Re: Help choose what to invest in 403B

My kids have similar options and I put them in the VG 500 index to get started
by Bulldawg
Sat Aug 18, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5683

Re: Your major and investing/finance?

Accounting major . Business owner in various service businesses for most of career . Seems like the Boglehead group here has many engineering /IT/ STEM majors represented. I think my major and experiences have helped me understand investing better , but I know many accounting /finance types who are ...
by Bulldawg
Sat Feb 17, 2018 8:41 pm
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 sold a small trash hauling business to mr H's company in 1997 . This was the same year his Marlins won the World Series , so it was pretty heady stuff . I never met Wayne personally but he was consolidating trash businesses ahead of his starting AuotNation . I , too, enjoyed his book.
by Bulldawg
Sun Jan 28, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Career "advice" for someone without college
Replies: 39
Views: 2963

Re: Career "advice" for someone without college

If I had to pick fast food , I'd go with Chick-fil-A . It won't fit everyone , but for 10k franchise fee, operators average over 100k /yr salary . And stores are closed every Sunday .
by Bulldawg
Mon Dec 18, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 9560

Re: How do Bogleheads save on eyeglasses?

Costco if you need someone to fit you . Zenni works great if you can take your own measurements .
by Bulldawg
Wed Nov 15, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 17379

Re: Do you meditate?

Longtermgrowth wrote: Tue Nov 14, 2017 3:51 am I pray, but do not meditate. I view the two as polar opposites. Since discussion of religion or anything spiritual isn't appropriate on a financial forum, I can't elaborate.
+1
by Bulldawg
Wed Nov 15, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: AT & T outage - [Nationwide outage]
Replies: 12
Views: 1665

Re: AT & T outage - [Nationwide outage]

I can confirm the outage in Atlanta ; however , it appeared to impact only those in my family that had upgraded recently to the new IOS . The family members not upgraded were not affected .ymmv
by Bulldawg
Sat Aug 05, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Do I want a landscape architect? If not, what?
Replies: 8
Views: 1197

Re: Do I want a landscape architect? If not, what?

If you can take a photo of a space you like , that would help the designer / contractor create something for your area . A photo from Pinterist , a neighbor , or gardening magazine goes a long way . Your space seems smallish for an expensive LA; a landscape designer or landscape contractor might be ...
by Bulldawg
Tue Jul 25, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Rental Property By Ourselves
Replies: 15
Views: 1430

Re: Selling Rental Property By Ourselves

Have you spoken with your CPA regarding depreciation recapture on this rental? I have bought and sold rentals with owner financing so make sure your atty and accountant review the deal . And don't be afraid to make a counteroffer if needed .
by Bulldawg
Fri Jul 14, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Making the Leap to Self-Employment
Replies: 16
Views: 2708

Re: Making the Leap to Self-Employment

OP : you have received great advice and asked all the right questions ; I can tell you're analytical and at some point after gathering data , a " go " or " no go" decision must be made . I have owned a handful of businesses over the years and there are always surprises that can't...
by Bulldawg
Wed Jul 12, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: Why Simple beats complex
Replies: 71
Views: 8711

Re: Why Simple beats complex

For some reason , this thread reminds me of a passage in The Bogleheads Guide to Investing ,which points out the Mensa Investment Group's poor performance.
by Bulldawg
Fri Jun 09, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 4426

Re: Babson College

Georgia-based Arthur Blank put his Babson degree to good use via Home Depot and the Atlanta Falcons .
by Bulldawg
Sat Apr 22, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 97
Views: 15905

Re: Single most important investing advice?

What you keep is more important than what you earn. Focus on increasing net worth .
by Bulldawg
Thu Feb 16, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's the secret to happiness?
Replies: 39
Views: 4820

Re: What's the secret to happiness?

Oakwood42 wrote:" For even the Son of Man did not come to be served, but to serve...."

Service to others.

Amen !
by Bulldawg
Sun Feb 12, 2017 10:53 am
Forum: Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 8884

Re: Which 25X is it?

C , and I have rental income factored in
by Bulldawg
Thu Feb 09, 2017 8:12 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 555
Views: 77227

Re: Your USER NAME...what does it mean?

I like English Bulldogs : the one across the pond and the Dawgs in Athens , GA !
by Bulldawg
Fri Jan 27, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 4928

Re: Possbile career moves without college degree

If I were wanting to stay in fast food , I'd look into Chick-fil-A . It's competitive to land a store , but the fee is only 10k . The owner -operators I know do very well.

Also , how did your relative do in sales ? Productive sales people usually do very well .
by Bulldawg
Thu Jan 26, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with 3 rental properties I'm looking to purchase
Replies: 35
Views: 4558

Re: Need help with 3 rental properties I'm looking to purchase

Schedule E is where rentals are accounted for per your tax return . Don't be surprised when the depreciation expense creates a net loss , which will be deducted on line 17 of your 1040. So , the rentals can generate a nice tax write-off even though your bank account will show a nice cash balance . (...
by Bulldawg
Wed Jan 11, 2017 5:26 pm
Forum: Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 12624

Re: $600,000. Now what?

OP:

Thank you and your wife for serving !
by Bulldawg
Mon Jan 09, 2017 5:01 pm
Forum: US Chapters
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 27570

Re: Sad News About a Respected Forum Member

May the Good Lord provide peace to you and family during this trial .
by Bulldawg
Mon Dec 05, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 4802

Re: Shoes for flat-footed over-pronators

I too am blessed to be a flat-footed overpronator with wide feet. For casualwear I found the Merrill Moab Ventilators with the highest SOLE inserts to be just about perfect. The shoes come in a wide size, FYI. I've also had the pleasure of having plantar fasciitis :P. Apparently it's caused by a ti...
by Bulldawg
Mon Nov 28, 2016 7:14 pm
Forum: Personal Investments
Topic: Millionaires living in lower end neighborhood by choice? Do we move?
Replies: 17
Views: 4702

Re: Millionaires living in lower end neighborhood by choice? Do we move?

We too are the millionaire next door with paid off house . We went the remodel route as we liked the school district , location , and excellent floor plan . Not sure you're missing out on anything except a mortgage and maybe a turbocharged savings program ? We also maxed out the storage space in the...
by Bulldawg
Sat Nov 26, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Bookkeeping/Accounting Book
Replies: 10
Views: 3322

Re: Bookkeeping/Accounting Book

I have accounting degree and have found " accounting for dummies " by john Tracy to be great introduction . The Khan academy has great teaching videos too.
by Bulldawg
Fri Jun 24, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 184
Views: 17158

Re: best wristwatch for the price

For the Price? Casio G Shock 8-) https://images-na.ssl-images-amazon.com/images/I/91EBxuBzqQL._UY500_.jpg Another recommendation for the G Shock. :sharebeer +3 for the G shock . I also own seiko and timex , but G shocks for daily use are tough to beat . Also seeing price points drop into the low 40...
by Bulldawg
Fri Jun 24, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 32836

Re: Good Deal on a Pocket Pistol

I have a glock , ruger and S&W ....all excellent pistols along with some nice revolvers . What I've been using for pocket carry is a Kel Tec p11 9mm . It's very light at 14oz but holds 10+1 in the pipe . It has some polymer like the Glocks but is designed like the Rugers. In fact , I understand ...
by Bulldawg
Mon Feb 15, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 51540

Re: Guns for hunting/defense

10 years ago , my SIL was home alone during a home invasion . She had never fired a weapon before , but remembered my brother's instructions to simply point and shoot . Things ended well for SIL, not as well for the invader. The .38 revolver she used is obviously user friendly ( even for women and n...
by Bulldawg
Sat Nov 28, 2015 11:20 am
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 10068

Re: Toyota Tacoma owners?

I own a 2003 Tacoma with the 2.7 4cyl , which gets a couple MPGs better than my brothers 6cyl of the same year.

I have 190k miles on the truck with no issues thus far. The timing chain instead of timing belt is a plus as well.
by Bulldawg
Sat Oct 10, 2015 7:05 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 35389

Re: What do you guys do on the side?

I remember how disappointed I felt when my father always seemed to have to work when I wanted him to play with me. I vowed to never make my son feel that way if I don't have to. Awesome. To the OP: I teach Confirmation classes to teens at our local parish. "Teaching kids about Jesus" is w...
by Bulldawg
Thu Aug 06, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Cost of concrete installed
Replies: 9
Views: 1882

Re: Cost of concrete installed

It goes for 5.00/sf in Atlanta
by Bulldawg
Sun Aug 02, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Opening a franchise
Replies: 27
Views: 5747

Re: Opening a franchise

I'm a recovering accountant who left that profession 30 years ago to start my own gig ( not food service ); the financial knowledge does help operate my firm and it has worked out great for me. You are still young enough to take a shot at this with enough time to recover if the business fails. I wou...
by Bulldawg
Sat Aug 01, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 11849

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

[quote=" I would amend the statement "Find something you like and become very good at it to make money" to "Find something you like that is useful to other people and become very good at it to make money". [/quote] I believe Bolles summarized his advice very similarly in &qu...
by Bulldawg
Sat Aug 01, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching
Replies: 96
Views: 11849

Re: Careers: MD, Non-MD, MBA, Engineering, Law, Teaching

Sometimes younger people need to get a handle on their aptitudes/talents as interests and passions can change over time. Aptitudes seem a bit more hard-wired or fixed. Here are a couple of organizations to help gain clarity on inherent strengths : JOCRF.org and ball foundation.org
by Bulldawg
Mon Jul 20, 2015 5:40 pm
Forum: Personal Consumer Issues
Topic: 2007 Toyota Camry Issue
Replies: 20
Views: 2827

Re: 2007 Toyota Camry Issue

Double check , but I think the 2007 Camrys have timing chains instead of belts .,,,
by Bulldawg
Sat Jul 18, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 43
Views: 7216

Re: Anyone else drive a Tacoma?

How many of you remember to grease your U-joints every 5k miles? I have 5 grease fittings along the driveshaft that I hit every oil change . Also, my model came with a factory security alarm that I actually had to connect ( under the steering wheel ) to activate . Not sure if this was designed to h...
by Bulldawg
Sat Jul 18, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: Anyone else drive a Tacoma?
Replies: 43
Views: 7216

Re: Anyone else drive a Tacoma?

2003 Pre Runner with 180k miles . Has the rare 4cyl with plenty of torque . Timing chain means no belt to replace . The expectation for this bad boy is to roll along to 300k miles like the others I've had before .
by Bulldawg
Fri Jun 19, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 32499

Re: Is it worth aspiring to get more?

Many if not most people on this forum (and I don't just mean the millionaires) could work part time or quit entirely and live more comfortably than most other Americans indefinitely. The vast majority of us already have enough to live more comfortably than 99% of people on the planet if we never wo...
by Bulldawg
Fri Jun 19, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: "An Interview With A Boglehead"
Replies: 18
Views: 4102

Re: "An Interview With A Boglehead"

Thanks Taylor !

Noticed the columnist was an MD ... wondered if Bernstein and EmergDoc might be interesting interview material to her for other columns ?
by Bulldawg
Sun Apr 26, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Nutribullet or Ninja extractor?
Replies: 20
Views: 7287

Re: Nutribullet or Ninja extractor?

I've used nutribullet for 1.5 years with no issues . I do not overfill .