Search found 3005 matches

by 3CT_Paddler
Tue Jun 19, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9218

Re: Messy Divorce -- Forensic Accounting Help....

Inever, do you have a friend or pastor you can confide in? I wouldn't put some of those details on a public forum. I would use the facts of her behavior not to recover more money that she may have squirreled away, but to make the case to the judge that you are the party that has been wronged, and sh...
by 3CT_Paddler
Tue Jun 12, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 60
Views: 6013

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: 2744

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: 1682

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: 2998

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: 12416

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: 9219

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: 491
Views: 28896

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: 11567

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: 1448

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: 1416

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: 1416

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: 1416

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: 10290

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: 1331

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: 15939

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: 2470

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: 1257

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: 10671

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: 1257

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: 134
Views: 8431

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: 134
Views: 8431

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: 3805

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: 3805

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: 10869

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: 10869

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: 10197

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...
by 3CT_Paddler
Fri Mar 30, 2018 10:17 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: 10197

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...
by 3CT_Paddler
Fri Mar 30, 2018 10:16 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: 10197

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

With the future trajectory of quantum computing, Bitcoin is going to zero in the long run. In the medium term, crypto-currencies may have a limited future, but there's a lot of competition to Bitcoin. There are almost 1600 crypto-currencies and new ones are created every month. There's a large risk...
by 3CT_Paddler
Wed Mar 28, 2018 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Grass is always greener, federal edition
Replies: 59
Views: 6768

Re: Grass is always greener, federal edition

While doubling or tripling your salary might sound like a no brainer, there are two parts of the equation that you need to add to the private side that you have not mentioned. First the pension is a significant benefit, that will likely not be there on the private side. That might represent 20% of y...
by 3CT_Paddler
Sat Mar 24, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1768

Re: How to Learn to Build a Web App

Python... Flask or Django framework.
by 3CT_Paddler
Thu Mar 22, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24067

Re: Anyone Deleting Facebook?

Yes, but it had nothing to do with privacy and the recently discovered lack thereof. I'm solidly with Parker and Palihapitiya in thinking that it is an unhealthy social validation feedback loop and serves no real positive function. I feel that way about social media in general and eschew its use. Y...
by 3CT_Paddler
Tue Mar 20, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17141

Re: Bought house six months ago - now feeling like we're treading water and can't save money

It's amazing to me all of the negative reactions on here to a religious tithe. For someone who feels called to tithe, there are things more important than the accumulation of personal wealth. You won't take any of it with you. OP, you are doing a great job of tracking your expenses. You are putting ...
by 3CT_Paddler
Sat Mar 17, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Time/money trade-offs with work and life balance
Replies: 46
Views: 3737

Re: Time/money trade-offs with work and life balance

If I was young and single, I would take a hard look at it. With kids and a wife, I would say no way Jose.
by 3CT_Paddler
Thu Mar 15, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 316
Views: 35196

Re: What if you only live off dividends?

I'm reading with amusement the argument that a 2% withdrawal rate is too high/not safe. Perhaps that IS true. Probably not though. But if you accept that a 2% WR is not S, you might as well quit investing altogether and live for today. Because that type of thinking is a bet on doomsday. I believe D...
by 3CT_Paddler
Tue Mar 13, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9173

Re: Dave Ramsey on Bonds

I totally agree with this. I feel Ramsey's advice is best for people who never graduated college, work lower paid jobs, and either never had the earnings or the discipline to save a portion of their money. His advice is pretty good for people that are living paycheck to paycheck. And we've all hear...
by 3CT_Paddler
Tue Mar 13, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey on Bonds
Replies: 107
Views: 9173

Re: Dave Ramsey on Bonds

Warren Buffett has a similar take on bonds. Bonds can and have outperformed stocks over longer time periods (20 years), although these instances are rare. The reason to own bonds is to reduce speculative risk and sleep soundly at night knowing that if the market tanks, you are still going to be paid...
by 3CT_Paddler
Tue Mar 06, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Career Next Steps for a Software Developer?
Replies: 8
Views: 1294

Re: Advice on Career Next Steps for a Software Developer?

Going from tech to purchasing a traditional business or any business at this point seems like a very risky move. You are well on your way to financial independence. Even if your salary is cut in half, you are still in a great position to retire early. I would lean towards looking for opportunities t...
by 3CT_Paddler
Fri Mar 02, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Small business owners -- owning your building as an investment
Replies: 6
Views: 619

Re: Small business owners -- owning your building as an investment

Experience from family members has been positive. Their retirement income will be based on rent from his commercial property (he has additional renters on the property). I think a key is if you can rent it out to other tenants if the personal business goes belly up. Is it in an area with demand for ...
by 3CT_Paddler
Fri Mar 02, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 111
Views: 8934

Re: How does one emotionally keep it together during market swings?

Has there ever been a time in your life when the stock market has not recovered from a downturn? I’ve been asking people this for 30 years and have only received one answer, “No”. Two thoughts... Japan seems to be trying hard to be an exception to that rule. People had the same mentality about the ...
by 3CT_Paddler
Wed Feb 28, 2018 4:25 pm
Forum: Investing - Theory, News & General
Topic: Bubbles Everywhere
Replies: 41
Views: 6878

Re: Bubbles Everywhere

Rick Ferri wrote:
Tue Feb 27, 2018 2:07 pm
I like Investments that pay dividends, interest and rental income. If it doesn’t pay cash, I’m not interested.

Rick
Rick, are you saying that you have a preference for stocks that pay dividends vs stocks that don't pay dividends? TSM vs a dividend focused fund?
by 3CT_Paddler
Thu Feb 22, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Looking into Hands Off Commercial Real Estate
Replies: 14
Views: 1573

Re: Looking into Hands Off Commercial Real Estate

In general this board is more conservative towards real estate for a host of reasons. It's not passive, and its relatively undiversified. I don't see anything wrong with putting some portion of your assets in commercial real estate, but the approaches you mentioned are not the direction I would reco...
by 3CT_Paddler
Tue Feb 20, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 7542

Re: Staying Motivated: How do you ward off hopelessness?

I couple of related thoughts...

The beggar and the billionaire will take an equal share of their wealth with them.

Comparison is the thief of joy.
by 3CT_Paddler
Thu Feb 15, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14029

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

It's amazing the difference several years makes... this thread would have been a ghost town in 2008-2010. There is nothing big we are saving up for. As a middle class single income family with two kids and one on the way, just trying to save a little and keep everything running is the goal these days.
by 3CT_Paddler
Thu Feb 15, 2018 10:26 am
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2478

Re: How Inflation Works (NYT)

I'd also add that economists are divided on how the Fed should respond to an uptick in inflation. Some would argue for higher interest rates, which tends to deflate asset prices and reduce aggregate demand. Others argue that higher interest rates will actually cause higher inflation. In other words...
by 3CT_Paddler
Thu Feb 15, 2018 9:36 am
Forum: Investing - Theory, News & General
Topic: How Inflation Works (NYT)
Replies: 21
Views: 2478

Re: How Inflation Works (NYT)

I'd also add that economists are divided on how the Fed should respond to an uptick in inflation. Some would argue for higher interest rates, which tends to deflate asset prices and reduce aggregate demand. Others argue that higher interest rates will actually cause higher inflation. In other words...
by 3CT_Paddler
Wed Feb 14, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: What's the most "interesting" job in corporate finance?
Replies: 30
Views: 3703

Re: What's the most "interesting" job in corporate finance?

MikeG's advice applies to just about any line of work... well stated Mike.
by 3CT_Paddler
Wed Feb 14, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Help me help my niece (College costs, financial aid, etc)
Replies: 41
Views: 2886

Re: Help me help my niece (College costs, financial aid, etc)

livesoft wrote:
Tue Feb 13, 2018 9:32 pm
What about architecture or building design? My daughter was decent in art and had her artwork win competitions. She became an engineer.
+1. Architecture (or Landscape Architecture) would be a great major to look at as a way to have an avenue for artistic expression, but still pay the bills.
by 3CT_Paddler
Tue Feb 13, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: I think US interest rates could drop.
Replies: 62
Views: 7207

Re: I think US interest rates could drop.

I don't think the Fed wants to be stuck at a zero interest rate or right at it when the next crisis hits. I would expect them to continue to push for rate increases until the next crisis hits. Trying to understand the correlation. Doesn't that push for rate increases encourage the next crisis? j :D...
by 3CT_Paddler
Tue Feb 13, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: I think US interest rates could drop.
Replies: 62
Views: 7207

Re: I think US interest rates could drop.

I don't think the Fed wants to be stuck at a zero interest rate or right at it when the next crisis hits. I would expect them to continue to push for rate increases until the next crisis hits. Trying to understand the correlation. Doesn't that push for rate increases encourage the next crisis? j :D...