Search found 811 matches

by DanMahowny
Mon Jun 17, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should we retire in 4 years?
Replies: 27
Views: 2677

Re: Should we retire in 4 years?

Investment returns for the next 4 years will answer the question, I think. The market could be down 50%, or more in 4 years. Or maybe reach new highs.

It's nice to see a "can I retire?" thread where the OP doesn't have $80 million dollars, a $200k pension, with only $28k annual expenses.
by DanMahowny
Mon Jun 17, 2019 2:26 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 447
Views: 102033

Re: New Book: Living off Your Money (Michael McClung)

For those not willing to shell out $60, can you provide a synopsis? What unorthodox conclusions does he reach with his unique insights? Still expensive, but the book is half price on Amazon. No kindle version yet There is a PDF version of the book for $34.95 at http://livingoffyourmoney.com I own t...
by DanMahowny
Mon Jun 17, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 47
Views: 1514

Re: How to avoid high vet bills?

A friend of mine has spent a lot on one of his dogs. The dog has cataract surgery. The dog is also diabetic - so needs daily insulin shots. :dollar :dollar :dollar I’m one who believes that dogs are not disposable, but given the current price of insulin, I’m not sure I could do that. I had a Weimar...
by DanMahowny
Mon Jun 17, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 47
Views: 1514

Re: How to avoid high vet bills?

$37 Fecal Examination (brought in poop sample) $57 4DX - Heartworm Test (LW, Lyme, E) $64 Examination - Office visit $37 Kennel Cough Oral $35 Leptospirosis ------------------------------------------------ $230 Total Here's mine (from last week) $29 Fecal Examination (brought in poop sample) $53 4D...
by DanMahowny
Mon Jun 17, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Cancel collision coverage on older car?
Replies: 61
Views: 4599

Re: Cancel collision coverage on older car?

I don't carry comprehensive or collision on a brand new car, ever.

I know that's a bit extreme, but my insurance costs are super low.
by DanMahowny
Sun Jun 16, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Keep car and pay for maintence or get new car
Replies: 22
Views: 1008

Re: Keep car and pay for maintence or get new car

...Wife votes new car and I am torn (largely because I am frugal). Happy wife = Happy life Truth to happy wife = happy life, however . . . we always maintained our cars and kept them for around 200,000 miles. This frugal lifestyle enabled us to retire in our early 40's. My wife is happy. Somewhere,...
by DanMahowny
Fri Jun 14, 2019 7:54 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 293
Views: 33185

Re: How Bad was 2008, really?

08 was bad. Really bad.

2000-02 was a piece of cake compared to 08.
by DanMahowny
Fri Jun 14, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Snowbird to Florida for a month
Replies: 5
Views: 959

Re: Snowbird to Florida for a month

Here's what's on my radar (SW Fla):
Punta Gorda
Placida
Rotonda West

Your choice of February is ideal. February absolutely sucks- winter has sucked the life out of me by then.
by DanMahowny
Fri Jun 14, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3715

Re: Tips for new pet owner [puppy]

Surprised at all the people buying pet insurance, and trying to convince the rest of us that it's a good deal.
by DanMahowny
Thu Jun 13, 2019 3:53 pm
Forum: US Chapters
Topic: Trying out a new signature
Replies: 6
Views: 1082

Re: Trying out a new signature

Earl - congrats on the Cup! :sharebeer I think all of Philly was pulling for the Blues as Craig Berube was the Flyers 2nd best goon of all time (only behind Dave Schultz). Plus, it was ironic that when the Blues were at rock bottom in early January, Binnington played his first game here and it was ...
by DanMahowny
Thu Jun 13, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3260

Re: Do you repair your own appliances?

I'm not much of a handyman.

I've had a few successful small jobs, but far more disasters.
by DanMahowny
Thu Jun 13, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10612

Re: Retired at 35 and have no friends :(

HomerJ wrote:
Thu Jun 13, 2019 9:05 am
"I got dozens of friends and the fun never ends
That is, as long as I'm buying."

-Styx - "Too Much Time on My Hands"
Best post I'll see all day, no doubt.
by DanMahowny
Thu Jun 13, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Best women's starter golf clubs?
Replies: 17
Views: 804

Re: Best women's starter golf clubs?

Play golf with a beginning woman golfer? You've got to be kidding me?

Your boss is a ***** (not very bright).

Golf is extremely difficult, and this idea will reflect negatively on you and your company.
by DanMahowny
Thu Jun 13, 2019 7:35 am
Forum: US Chapters
Topic: Trying out a new signature
Replies: 6
Views: 1082

Re: Trying out a new signature

Not a Blues fan, but I was a big Blues fan last night.

Really enjoyed that last night.

Sad that hockey is done. Waiting for October.
by DanMahowny
Wed Jun 12, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Recommend an American medium size car
Replies: 32
Views: 2264

Re: Recommend an American medium size car

Stay away from CarMax.

"No haggle" pricing just means that they will give you a rip off price, and you're not allowed to counter offer.
by DanMahowny
Wed Jun 12, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 3829

Re: Best source for buying Gold Coins

Over the last couple years, I have bought 7 one ounce gold coins- 5 Eagles, 1 Canadian Maple Leaf, and 1 Krugerrand. I bought them at local coin shops. They all wanted me to pay $50 above spot price. I negotiated hard and never paid more than $14 above spot price. It can be done. Also, I have always...
by DanMahowny
Wed Jun 12, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 50
Views: 2349

Re: Passport photos cheap

I did mine at CVS a few months ago. I paid $16 I think.

Indeed, I was overcharged, but it was done quick, done once, done right.

$16 for a "once-every-ten-years expense". I'm okay with that.

The downside is that I didn't get a hot dog combo.
by DanMahowny
Wed Jun 12, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3715

Re: Tips for new pet owner

Great post JakeyLee.
by DanMahowny
Tue Jun 11, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3715

Re: Tips for new pet owner

RollTide31457 wrote:
Tue Jun 11, 2019 11:09 am
A dog should never be more than 2 feet away from owner and on a leash when being walked in a public space. Nothing worse than dealing with people who allow their animals to roam away from them.
Seems you fooled a few around here. Not me.
by DanMahowny
Tue Jun 11, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3715

Re: Tips for new pet owner

I'm always the cold-hearted anomaly in these conversations. Growing up we had pets. Before each one my parents, who grew up on farms, told us they'd pay for normal vet visits. However, if the pet got really sick they would not pay for expensive treatment -- "It's a pet, an animal, not a human being...
by DanMahowny
Tue Jun 11, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 50
Views: 2349

Re: Passport photos cheap

boogiehead wrote:
Tue Jun 11, 2019 7:16 am
Costco... took pic, grabbed and ate my hot dog combo, go back to pickup pics.
Nice job. The hot dog combo is mandatory, am I right?
by DanMahowny
Tue Jun 11, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3715

Re: Tips for new pet owner

I suggest that you feed your new pup raw food.

Get some dry kibble from Costco and mix in some raw hamburger. Toss in a raw egg, including the shell. MIx it all together.

Your dog will thrive with this diet. And won't get sick.
by DanMahowny
Tue Jun 11, 2019 11:36 am
Forum: Investing - Theory, News & General
Topic: Anyone buying Beyond Meat stock?
Replies: 35
Views: 2761

Re: Anyone buying Beyond Meat stock?

I sold BYND short. Not a large amount, but I had to do something. The "cult" pushed the stock to an insane valuation.
by DanMahowny
Sun Jun 09, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 4815

Re: Gillette Fusion razors

CobraKai wrote:
Fri Jun 07, 2019 8:58 pm
I won't give a dime to this company.....for reasons outside the scope of this thread.
Same here, brother. I remember.
by DanMahowny
Sun Jun 09, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Checks without my account number
Replies: 39
Views: 3837

Re: Checks without my account number

I agree with the OP. Here's what's strange (to me). My bank hides my account number on my statements. And on the their website too. They show the last 3 digits only. Of course, I can see my full account number if I look at one of my checks, otherwise I have to call the bank and ask, "Hey, what's my ...
by DanMahowny
Sun Jun 09, 2019 10:09 am
Forum: Personal Investments
Topic: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)
Replies: 35
Views: 5941

Re: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)

JTColton wrote:
Sun Jun 09, 2019 8:56 am
we construct our own prisons.
Brilliant.

That quote is one to remember. Very true.
by DanMahowny
Sat Jun 08, 2019 11:16 am
Forum: Personal Investments
Topic: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)
Replies: 35
Views: 5941

Re: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)

I've never understood the attraction of retire-at-40-and-never-work-again. There is a happy medium between being stuck in a stressful job which you do not like, and sitting around doing nothing productive for the next 40-60 years. I retired 10 years ago at 42, and have no need to ever work again. W...
by DanMahowny
Thu Jun 06, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: HVAC Repair Nightmare - Thoughts, ideas, solutions
Replies: 37
Views: 3305

Re: HVAC Repair Nightmare - Thoughts, ideas, solutions

tibbitts wrote:
Thu Jun 06, 2019 5:44 am
squirm wrote:
Wed Jun 05, 2019 11:54 pm
So what did people do in the old days when homes didn't have an a/c?
In some cases, died. In other cases, lost sleep, got sick, etc.
Well played.
by DanMahowny
Thu Jun 06, 2019 11:42 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 5483

Re: How would you invest a lump sum of 3 million dollars in today's market?

$3 million? This is what I would do:
50% TIPS
25% short-term treasuries
25% intermediate-term treasuries
by DanMahowny
Tue Jun 04, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2628

Re: Any TV guys out there?

livesoft wrote:
Tue Jun 04, 2019 11:49 am
I wouldn't buy a TV less than 75 in nowadays. Don't forget that your eyesight gets worse as you age, so plan for that.
"I wish I would've bought a smaller television", said no one, ever.

livesoft is right. 75" minimum.
by DanMahowny
Tue Jun 04, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8121

Re: Costco or Sam's Club?

I like Costco.

But I'm not one of the mindless zombies wandering aisles, buying everything in sight.

I go early. I have a list. I get in and get out (often I am checking out before the official opening time of 10am).
by DanMahowny
Mon Jun 03, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3680

Re: Invited to vacation house then surprised with expenses—what now?

I can't wait to hear the story after you visit their home for Thanksgiving dinner.
by DanMahowny
Mon Jun 03, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3680

Re: Invited to vacation house then surprised with expenses—what now?

It's your fault for not asking about "your share" of the cost up front.

You should go, pay up, and learn from it.

Keep a mental list of excuses to avoid any future obligations with these people.
by DanMahowny
Sat Jun 01, 2019 4:33 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9759

Re: How did you all do in the month of May, 2019

randybobandy wrote:
Sat Jun 01, 2019 4:15 pm
My first child was born and my wife stopped working. Big smile on my face, life is good..though the wallet feels a bit light.
That's a good month. Congrats to you guys.
by DanMahowny
Sat Jun 01, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: What to do with old unused laptops?
Replies: 17
Views: 1932

Re: What to do with old unused laptops?

Landfill. That's where my electronics go.
by DanMahowny
Sat Jun 01, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9759

Re: How did you all do in the month of May, 2019

Up $73k +

My portfolio is:
Cash
1-3 year Treasuries
TIPS
Tesla short
by DanMahowny
Sat Jun 01, 2019 7:38 am
Forum: Investing - Theory, News & General
Topic: Best day of the month to invest?
Replies: 41
Views: 4455

Re: Best day of the month to invest?

If there was a "best day", we would all do it and cancel the effect.
by DanMahowny
Fri May 31, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918031

Re: U.S. stocks in free fall

Doom&Gloom wrote:
Fri May 31, 2019 6:01 pm
House money ceases to be house money when it is wrested from the clutches of the house.
[Darned -- mod oldcomputerguy] right!
by DanMahowny
Fri May 31, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: What to do with a 24" analog CRT TV?
Replies: 56
Views: 2955

Re: What to do with a 24" analog CRT TV?

It should fit in your trash can.
by DanMahowny
Fri May 31, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7117

Re: $3k for teen club soccer

DanMahowny wrote:
Fri May 31, 2019 12:59 pm
This thread has to be fake, right?

No way parents are this stupid. I don't believe it.

Please tell me this isn't real.
Nevermind. I read some of the responses and determined this is real. It saddens me. Poor kids.
by DanMahowny
Fri May 31, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7117

Re: $3k for teen club soccer

This thread has to be fake, right?

No way parents are this stupid. I don't believe it.

Please tell me this isn't real.
by DanMahowny
Fri May 31, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Home buying
Replies: 50
Views: 2529

Re: Home buying

Hi all, We put an offer down on our first home and it was negotiated and accepted. Its at the top of our budget. It’s an old home (1969) and we just had an inspection done. Being a first time home buyer, I didn’t know what to expect but the inspection was 6 hours long (I was there for all of it) an...
by DanMahowny
Fri May 31, 2019 6:50 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918031

Re: U.S. stocks in free fall

I enjoy days when the DOW declines 500 points minimum.

I hope today is one of those days. Sadly, the futures indicate otherwise.
by DanMahowny
Thu May 30, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918031

Re: U.S. stocks in free fall

I occasionally wonder what would happen if stocks decline 89% like they did 1929-1932. How many could/would "stay the course"? I did well through the 2008 crash, and ultimately made a lot of money, but 89%??? I don't know. Given that several die-hard Bogleheads here were talking about pulling the p...
by DanMahowny
Thu May 30, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21265

Re: Can I afford this 2.3 million dollar home?

What about the young child growing up in a $2.3 million dollar home?

How will they feel about living their adult years in a $250k home when it comes time to get their own house?

It's unlikely they will earn the extraordinary income their parents did.
by DanMahowny
Thu May 30, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11008
Views: 1918031

Re: U.S. stocks in free fall

I occasionally wonder what would happen if stocks decline 89% like they did 1929-1932.

How many could/would "stay the course"?

I did well through the 2008 crash, and ultimately made a lot of money, but 89%??? I don't know.
by DanMahowny
Thu May 30, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8563

Re: No more print Money magazine

Sad to see it go. For 10 bucks subscription I’d flip through it and get some decent articles. I especially liked the stories about people’s personal finances. It’s nice to see people retiring on reasonable amounts and not asking if 70k spend on 4 mil is going to be ok :D Very good, particularly the...
by DanMahowny
Wed May 29, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 252
Views: 21265

Re: Can I afford this 2.3 million dollar home?

Impressive income. Very impressive.

Yes you can afford the home.

Nice job.
by DanMahowny
Wed May 29, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14859

Re: Fun paid jobs after FIRE

Advantage gambler.

Study. Practice. Discipline. And a bankroll.

That's all you need for a 1.5% edge over the casino.
by DanMahowny
Tue May 28, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 87
Views: 8563

Re: No more print Money magazine

khh wrote:
Tue May 28, 2019 4:19 pm
nisiprius wrote:
Sun May 26, 2019 5:01 am
Rats. Now I'll have to read "Highlights for Children" in the dentist's waiting room.
Goofus invests in high expense funds and tries to time the market.

Gallant invests in low expense index funds at regular intervals.

:D
That's hilarious. Thanks man.