Search found 3028 matches

by 3CT_Paddler
Mon Oct 29, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Getting depressed with all this saving. :-(
Replies: 38
Views: 6376

Re: Getting depressed with all this saving. :-(

That's a nice humble brag. :D

Maybe find a worthy need you can contribute to and make a difference in another person's life?
by 3CT_Paddler
Tue Oct 16, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4890

Re: Is EMH a tautology?

There are a couple of basic tenets that make EMH superfluous to the Boglehead way... 1) Participants in large publicly traded stock markets are very good at comparing the immediate value and prospects of competing stocks/firms relative to one another. 2) Diversification is a free lunch for stocks, ...
by 3CT_Paddler
Tue Oct 16, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4890

Re: Is EMH a tautology?

There are a couple of basic tenets that make EMH superfluous to the Boglehead way... 1) Participants in large publicly traded stock markets are very good at comparing the immediate value and prospects of competing stocks/firms relative to one another. 2) Diversification is a free lunch for stocks, b...
by 3CT_Paddler
Sat Oct 13, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: Is EMH a tautology?
Replies: 108
Views: 4890

Re: Is EMH a tautology?

Investing isn't science, even if people study it scientifically. Once you throw in human behavior, the "science" of investing is built on shaky ground. The underpinnings are philosophical and logical... Which don't require a testable scientific hypothesis to be valid. At the end of the day, costs ma...
by 3CT_Paddler
Mon Sep 03, 2018 5:10 am
Forum: Investing - Theory, News & General
Topic: Thoughts on investing in Uranium???
Replies: 48
Views: 3159

Re: Thoughts on investing in Uranium???

I saw a talk a couple of weeks ago about TerraPower... Basically a nuclear power plant design that uses nuclear waste (no more need for mined uranium!). Not sure how close it is to implementation, but that would be a gamechanger. Obviously for the OP, investing in Uranium would be a terrible idea if...
by 3CT_Paddler
Tue Aug 14, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7397

Re: When is leaving your job that pays well a good idea?

I don't really believe this. Admittedly I don't want kids and partly that's because I don't see many parents demonstrating anything aside from stress. However as far as job satisfaction is concerned, I do believe it starts out pretty high during your 20's and declines into your 30's. You see the st...
by 3CT_Paddler
Mon Aug 06, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 3148

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

Flooding from Harvey was due to an enormous amount of rainfall far in excess of the 100-year storm. It had little to do with development. What? If the land developed by building homes on it is designated as the dry part of a reservoir waiting for a flood, then it has everything to do with developme...
by 3CT_Paddler
Fri Aug 03, 2018 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 3148

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

The flood risk was drastically underestimated in Texas, especially new construction near drainage systems and reservoirs which exacerbated the flooding due to bad design. Flooding from Harvey was due to an enormous amount of rainfall far in excess of the 100-year storm. It had little to do with dev...
by 3CT_Paddler
Wed Jul 25, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Investing with a Developer
Replies: 48
Views: 3845

Re: Investing with a Developer

Your example is kind of like saying, "I invested in an S&P 500 fund and it went down. I would like to change course by being a day trader in penny stocks, and I have no prior experience in trading." Savvy?
by 3CT_Paddler
Sun Jul 22, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Real salary growth negative?
Replies: 45
Views: 4827

Re: Real salary growth negative?

Better than in Megacorp land. Last year, I received a 3% raise. My manager noted that out of our office of 25, only 2 people were given a raise. I'd say that's pretty consistent. In my previous job, no reviews or raises were given to anyone for a full 10 years. I'm hoping to someday match the $$ I ...
by 3CT_Paddler
Fri Jul 20, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax + deductions
Replies: 25
Views: 3293

Re: Property tax + deductions

there is a limit of $10k for state and local taxes + property taxes deduction This limit is from the new tax bill, the one that's supposed to save people money. :twisted: The new tax bill that also scales back the AMT and lowered rates? The AMT does more for higher income earners like the OP than a...
by 3CT_Paddler
Thu Jul 19, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 11460

Re: I may have understood why it's so hard to save and invest

If you think it's demotivating now, wait until your portfolio decreases 30, 40 or 50%. :x :D
by 3CT_Paddler
Mon Jul 16, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: New Career Advice? Would you do it?
Replies: 18
Views: 1854

Re: New Career Advice? Would you do it?

Recently I was offered a position working with Fidelity Investments. The job I would be taking would be entry level and I would receive the necessary training to obtain my series 7, 66, and eventually become a CFP (certified financial planner). In making the move, I would be cutting my salary in ha...
by 3CT_Paddler
Mon Jul 16, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 4078

Re: Did I get ripoff by this car mechanic?

As others stated, the part cost is always more than what you will get retail. That is common practice. And we don't have the number of labor hours, so it's difficult to assess. I don't think there is anything wrong with taking your business elsewhere, but I would be cautious about leaving a bad revi...
by 3CT_Paddler
Wed Jul 11, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 16
Views: 1851

Re: Relocation to Atlanta

Last couple of posts are spot on... I would definitely put Peachtree City at the top of the list. West Cobb has a couple of good schools and would put you closer to AL. East Cobb is generally the best when it comes to schools. Vining's and Smyrna are great, but schools are not as good as the others....
by 3CT_Paddler
Wed Jul 11, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Tick Tubes and boxes. Permethrin Fipronil
Replies: 22
Views: 2087

Re: Tick Tubes and boxes. Permethrin Fipronil

Here is southeast PA, ticks carrying Lyme disease are a common occurrence. I have had friends suggest wearing Permethrin treated clothing. It supposedly is inert once dry for people and withstands a lot (100) of washes (according to some company brochures). I can't imagine that tick tubes would do m...
by 3CT_Paddler
Tue Jul 03, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14404

Re: What are your property taxes?

PA Property taxes $7600/yr House value $265k Income tax 3% Sales tax 6% It's crazy, but on the flip side we have one in the local public school and it is excellent. I just look at it as partial cheap private school tuition. You also get a lot more house for your money here than some other areas that...
by 3CT_Paddler
Tue Jul 03, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4199

Re: Neighbor's drainage issue causing problems

Here is a photo of the drain after I uncovered it a little: https://imgur.com/a/ZBDcgUh Yes that is a significant amount of leaf litter that will perpetually clog the drain. Sometimes engineers meet the design standard without designing for reality... Or trees were added after the fact or the engin...
by 3CT_Paddler
Tue Jul 03, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4199

Re: Neighbor's drainage issue causing problems

Here is a photo of the drain after I uncovered it a little: https://imgur.com/a/ZBDcgUh Yes that is a significant amount of leaf litter that will perpetually clog the drain. Sometimes engineers meet the design standard without designing for reality... Or trees were added after the fact or the engin...
by 3CT_Paddler
Mon Jul 02, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Neighbor's drainage issue causing problems
Replies: 54
Views: 4199

Re: Neighbor's drainage issue causing problems

Maggabelle, I would have a local civil engineer who is well versed in drainage take a look at it. It could be the drain is undersized, it could be the pipe it connects to is undersized, or it could be the downstream system it connects to is undersized. It could also be that the connected pipe has fi...
by 3CT_Paddler
Mon Jul 02, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 7167

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Int resting? What area? I mainly goto Florida and San Diego beaches. One example in Memphis. I put in a random July date. https://s15.postimg.cc/munuz40t7/fee1.jpg Ok comparing to a hotel that's 2 rooms. You can get 2 hotel rooms for 120 total? This listing is not for a "room" but a whole house. Ps...
by 3CT_Paddler
Thu Jun 28, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 10918

Re: Stocks vs. rental property

I do think too many Bogleheads ignore rental property, but the time to buy rental property is not today in most parts of the country. The time was 5-10 years ago when people were trying to give those properties away and the Great Recession was in full swing. It is more work, and it is also more grou...
by 3CT_Paddler
Thu Jun 28, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 81
Views: 7167

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Most hotels have all kinds of fees and taxes as well that easily add 30% to the price. Some of those same taxes and fees are now being required by AirBnB to collect. Many AirBnB owners do have to pay someone to clean between visits. AirBnB where it includes several bedrooms and a detached house is a...
by 3CT_Paddler
Wed Jun 20, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Is technology the reason for low inflation?
Replies: 57
Views: 3599

Re: Is technology the reason for low inflation?

Combine the almost free flow of information, aka technology and pair it with huge sources of cheap international labor, and it acts as a headwind on lower skilled citizens of high wage countries like the US, which combined with technology savings acts as an inflation dampener. I think software plays...
by 3CT_Paddler
Tue Jun 12, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7882

Re: Boring Job

Read Automate the Boring Stuff and automate the 2 hours that you actually work. 8-)

On a more serious note, why are you not going to your boss or other more senior staff members and asking for more work? I would (kindly) pester them for suggestions on things you can help with.
by 3CT_Paddler
Mon Jun 04, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Dilemma: what if companies stopped going public?
Replies: 27
Views: 2974

Re: Dilemma: what if companies stopped going public?

Maybe Germany is a good proxy for the risks to investors. It has a high degree of privatization even with larger companies that would typically be publicly traded in the US from what I remember. Rick Ferri mentioned this issue a couple years ago, as far as fewer companies going public, possibly due ...
by 3CT_Paddler
Sat Jun 02, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Microsoft Edge versus Chrome
Replies: 27
Views: 1968

Re: Microsoft Edge versus Chrome

Ragnoth wrote:
Sat Jun 02, 2018 1:06 am
I used to use Firefox, but it become a bit sluggish and bloated over the years. Edge is passable, but I would invest the time in at least installing and playing around with other options.
Check out the latest Firefox... It has been revamped and it's as fast or faster than Chrome.
by 3CT_Paddler
Mon May 28, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3291

Re: Cheapest ways to watch NBA playoffs

SlingTV is only $20/month with no long term contract. Works great through a Roku.
by 3CT_Paddler
Sun May 27, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Adult Children (but not too much)
Replies: 152
Views: 13537

Re: Helping Adult Children (but not too much)

MDR, great post. Like you it's surprising to see the number of Bogleheads that practice significant financial assistance. I grew up in a family that provided no support beyond undergrad college, and married into a family that sees no issue with gifting one of their five year old cars or helping with...
by 3CT_Paddler
Sat May 19, 2018 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 10158

Re: Dave Ramsey it or keep low interest debt

I have 3 debts as follows 20k car loan - 0% 38k car loan - 1.9% 226k mortgage - 3.625% Annual income 255k Fully funded emergency fund (6 months) Right now I save 86k annually. Should I continue saving as is (via 401k, Roth, taxable) or save less to knock out these very low interest loans? I know th...
by 3CT_Paddler
Thu May 17, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 39146

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

So, if you're in the 22% bracket while working, you can save close to $5 million in pre tax before it would push you into a higher bracket. Saving $5 million when you earn less than $189k per year is impressive. To do so, you probably saved a sizable chunk of that $189k, which means you don't reall...
by 3CT_Paddler
Wed May 16, 2018 12:57 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 13998

Re: The front page is ugly

It would be nice to have a friendlier mobile version... Nothing radical. Keep the same spartan interface, but make it easier to click on a thread. I get the feeling that most members on here access it from their desktop or tablet. I agree the current format works well on a laptop/desktop.
by 3CT_Paddler
Fri May 11, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: <Future> Marketable Skills
Replies: 17
Views: 1666

Re: <Future> Marketable Skills

HomerJ wrote:
Fri May 11, 2018 1:04 pm
livesoft wrote:
Wed May 09, 2018 4:10 pm
Managing other people will never go out of style.
And you don't need any actual skills, either! Win-win! :D
You obviously are not management material, because you did not employ the Michael Scott Win-Win-Win technique to management. 😀
by 3CT_Paddler
Wed May 02, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1681

Re: Flood Insurance

Sometimes developers/real estate folks are successful in keeping neighborhoods out of flood zones that really should be in flood zones. Flood mapping is a very political process, unfortunately. As a civil engineer who has worked on flood studies, I have never seen politics at play when it comes to ...
by 3CT_Paddler
Wed May 02, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1681

Re: Flood Insurance

Sometimes developers/real estate folks are successful in keeping neighborhoods out of flood zones that really should be in flood zones. Flood mapping is a very political process, unfortunately. It's not so much politics, it's when the developers haul in tons of dirt and raise the ground level of a ...
by 3CT_Paddler
Tue May 01, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1681

Re: Flood Insurance

Sometimes developers/real estate folks are successful in keeping neighborhoods out of flood zones that really should be in flood zones. Flood mapping is a very political process, unfortunately. As a civil engineer who has worked on flood studies, I have never seen politics at play when it comes to ...
by 3CT_Paddler
Mon Apr 23, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 11161

Re: Salary Negotiation gone sour

It's odd to me negotiating through a recruiter... I wouldn't use that same recruiter. He is a poor negotiator/recruiter if he didn't talk through your offers and level with you more.
by 3CT_Paddler
Fri Apr 20, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1454

Re: How to ask town to build a sidewalk?

Talk to other community members about a potential sidewalk and try to grow community support. Any area HOAs? You can try to attend their meeting and talk about what you would propose. It depends on the community and how well funded they are. Some (most) towns are small outfits that are underfunded f...
by 3CT_Paddler
Fri Apr 20, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 18118

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

If I was the OP, I would take a closer look at some other places before LA...

Austin, Tampa, Charleston, Miami, Seattle, San Diego.

Also I would focus on getting an MBA wherever the best school that you can get into is located and then make the move.
by 3CT_Paddler
Sun Apr 15, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Underestimate Buyback Power
Replies: 12
Views: 2647

Re: Larry Swedroe: Don’t Underestimate Buyback Power

For a growing company I agree that it doesn't matter. Stock prices are always future looking - investors seem to care more about your next 6-12 month outlook vs your actual performance over the previous 12 months. With dividends it's like taking money off the table. With a lower tax rate for corpora...
by 3CT_Paddler
Fri Apr 13, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Is global debt an issue for investors?
Replies: 17
Views: 1433

Re: Is global debt an issue for investors?

There will be nowhere to hide if a major economy experiences a true sovereign debt crisis. Governments can always levy higher taxes on individuals and corporations or inflate their currency... both of which would hurt stocks. Or in the case of default, bondholders will be hit, which will also spill...
by 3CT_Paddler
Fri Apr 13, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 12125

Re: Mid-40s in tech - how to pass off as acceptably young

There is always the Creed Bratton approach to looking young (from The Office)...

Image
by 3CT_Paddler
Fri Apr 13, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: Is global debt an issue for investors?
Replies: 17
Views: 1433

Re: Is global debt an issue for investors?

Yes it's an issue. Just because things are fine right now, doesn't mean they will be in the next 20 years. Unfortunately there are too many unknowns to make advice actionable, outside of be diversified, keep costs low, and be discerning on what government debt you purchase if you invest internationa...
by 3CT_Paddler
Mon Apr 09, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 12019

Re: Cash flow problems - best way to handle?

MnyGirl, does your ex husband make significantly less than you do? If your kids live with you, and he is only contributing $223/month in child support, that will barely cover food in many households for the month, much less a roof over their heads. If his health insurance is covered by an employer,...
by 3CT_Paddler
Mon Apr 09, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 12019

Re: Cash flow problems - best way to handle?

MnyGirl, does your ex husband make significantly less than you do? If your kids live with you, and he is only contributing $223/month in child support, that will barely cover food in many households for the month, much less a roof over their heads. If his health insurance is covered by an employer, ...
by 3CT_Paddler
Fri Apr 06, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 4029

Re: Any hardworkers here who half-a** at work?

I've worked in an office environment for about a year now and find it so exhausting and disappointing. I'm a hard worker and when given responsibilities, I strive to learn the ins-and-outs of it. It's kind of like I don't want to just solve an equation with given steps, I want to understand it. I h...
by 3CT_Paddler
Fri Apr 06, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 4029

Re: Any hardworkers here who half-a** at work?

Surprised at the number of people on here who say that is to be expected. If I felt everywhere was like that, I would be working for myself. Grew up in a family business, and there was no room for people who could not get the job done. Some workers were better at their job than others, but anyone wh...
by 3CT_Paddler
Mon Apr 02, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 12481

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

Stable governence without systematic corruption should be taken into account. An international large cap fund probably avoids the worst offenders. The market cannot price in when an autocrat will decide your business should be taken from you. You think the market doesn't price in political risks? S...
by 3CT_Paddler
Sun Apr 01, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: The "American companies I invest in already have international exposure" argument --- valid or not?
Replies: 139
Views: 12481

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

Stable governence without systematic corruption should be taken into account. An international large cap fund probably avoids the worst offenders. The market cannot price in when an autocrat will decide your business should be taken from you.
by 3CT_Paddler
Fri Mar 30, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finished?
Replies: 129
Views: 12829

Re: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finis

If you think crypto is 0 then you haven't been paying attention. For the past 8 years crypto has been going through the same boom/bust cycles. Which is why it will never function as an exchange currency outside very small niche markets (mostly in gray/illegal areas where anonymity is worth the vola...