Search found 117 matches

by DanMahowny
Thu Jan 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 404
Views: 31252

Re: To take or not to take delivery of Tesla 3

Wow these new "features" seem half-baked. I am a huge fan of tech (I have a VW e-Golf that I love), but the self-driving stuff.....it ain't ready yet. Yet, many smart people are paying for features that DON'T EXIST. Musk seems to be the only person that can charge people money for his dreams, and g...
by DanMahowny
Mon Jan 15, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3248
Views: 943340

Re: What Movie Have You Recently Watched?

I saw Get Out after hearing everyone praise it. I thought it was boring and predictable.

Now everyone says Molly's Game is great. I watched it. Thought it was decent. But definitely not in the same universe as Rounders.

Seems the bar for a "good movie" has been lowered substantially. I give up.
by DanMahowny
Mon Jan 15, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 10130

Re: Dave Ramsey's Millionaire Study

Not sure what's the value of obtaining my IP address.

It doesn't provide an exact location (street address), or phone number, or name, or email.

At least I think that's correct. Or perhaps I'm stupid- that's what my teenage kids tell me.

Please enlighten me. Thanks.
by DanMahowny
Sun Jan 14, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Millionaire Study
Replies: 59
Views: 10130

Re: Dave Ramsey's Millionaire Study

I completed the survey.

Did not leave my email address.
by DanMahowny
Fri Jan 12, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 17
Views: 1273

Re: Best Movies of 2017

John Wick 2
by DanMahowny
Fri Jan 12, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: Energy sector time to turn around?
Replies: 43
Views: 3594

Re: Energy sector time to turn around?

I have no idea what the future holds, but I've owned an energy fund since last year. I'm a believer in reversion to the mean, and I tilt to sectors of markets and whole markets that have the poorest previous 5 and 10 year records. Energy is down at the bottom of that 5-10 year list along with emerg...
by DanMahowny
Thu Jan 11, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Trying to downsize but still too much stuff
Replies: 57
Views: 4960

Re: Trying to downsize but still too much stuff

3 years from now, my wife and I are going to get in the car and drive South, with only a wallet, cell phone, and the clothes we are wearing. Destination unknown.

In the meantime, we'll get rid of EVERYTHING.

Remember, the things you own end up owning you.
by DanMahowny
Wed Jan 10, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 2764

Re: What would you do with a 25 million windfall?

Buy short term treasuries.

Withdraw 4% per year.

Enjoy life. (doing that now, but with much less $$)
by DanMahowny
Mon Jan 08, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 154
Views: 15188

Re: Anyone disenchanted with retirement?

Disenchanted with retirement?

No . . . . . actually,
HELL NO.
by DanMahowny
Sat Jan 06, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 404
Views: 31252

Re: To take or not to take delivery of Tesla 3

Cramerica wrote:
Fri Jan 05, 2018 9:06 pm
Other days I feel like...what the hell. 49k after credits ain't that bad for something I will drive for at least 7 years :mrgreen: :sharebeer
That's how I feel about my nicely equipped 2015 Honda Accord. But it only cost $19k new. I could've bought 2 of them and had $11k left over.
by DanMahowny
Fri Jan 05, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3971

Re: Downsizing to one car in retirement...

One car is our plan for the future. We both currently drive 2015 models. When they need replaced, we will do it with one car.

It's not just a means to save money either. I like the simplicity of it.

The things you own end up owning you.
by DanMahowny
Tue Jan 02, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 128
Views: 11350

Re: Embarrassment Preventing Retirement Work: A factor for you?

If you don't need the money, find something else to do. Bagging groceries has to suck.

If you're really THAT bored, I'm thinking, "poor Cruise can't find anything to do but work."
by DanMahowny
Sun Dec 31, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7072

Re: The Economics of a new Puppy

It is very common for young GSDs to get car sick. Just take the pup out for short, then increasingly long rides, and all will be fine. Yes. My GSD would vomit when riding in the car when she was a pup. Then I started to give her Dramamine. It worked. After a few months I stopped the Dramamine, and ...
by DanMahowny
Sat Dec 30, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7072

Re: The Economics of a new Puppy

The rescue groups in my area have too many unnecessary rules. A big one is the requirement of a fenced yard.

In my experience, people that reply on fences occasionally leave the gate open and their dogs are running wild through the neighborhood.

A fence is a poor substitute for a well trained dog.
by DanMahowny
Sat Dec 30, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7072

Re: The Economics of a new Puppy

FWIW, Cesar Millan has a pretty bad rep in dog training circles, and the behavioral theory he ascribes to has been long debunked. Seems lots of new "dog trainers" have embraced the "positive only" training methods. Reward positive behavior and simply ignore anything else. They believe that you shou...
by DanMahowny
Fri Dec 29, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7072

Re: The Economics of a new Puppy

Also read the book "The Art of Raising a Puppy". Written by Monks who train GSD we applied similar principles in the book to our Golden Retriever and have had a lot of success. I read the book, long ago. Put my name on a waiting list at Monks of New Skete, Waited 2+ years before I got one of their ...
by DanMahowny
Fri Dec 29, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7072

Re: The Economics of a new Puppy

fizxman:

Love the picture of your pack. Fantastic. Merry Christmas.
by DanMahowny
Thu Dec 28, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7072

Re: The Economics of a new Puppy

Chewy.com indeed.

And there's nothing wrong with "buying" a dog. The dogs I have owned throughout my life cannot be found at a shelter or rescue group.
by DanMahowny
Sun Dec 24, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 315
Views: 22892

Re: What frugal thing did you do today?

I wouldn't consider the extra long shower "frugal", perhaps "wasteful." Long showers are fantastic! A long shower for me is typically about one hour. Very relaxing. And cheap too- the cost of the water and gas to heat the water is small relative to the enjoyment. Certainly not wasteful in my view.
by DanMahowny
Sat Dec 23, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Ever tempted to shut it down once you have “enough”?
Replies: 37
Views: 4226

Re: Ever tempted to shut it down once you have “enough”?

I retired 8 years ago (lost job, actually), during the 2008 crash. I invested aggressively thru all of it. A few months ago, I realized that I had "enough" and then some. Saw no reason to subject my portfolio to another potential downturn, so I drastically altered my AA to 30% stock, 70% bonds, cash...
by DanMahowny
Thu Dec 21, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Style Vanguard Portfolio?
Replies: 51
Views: 3756

Re: Dave Ramsey Style Vanguard Portfolio?

whodidntante wrote:
Wed Dec 20, 2017 8:53 pm
When you spoke to one of Dave's endorsed local providers with the heart of a teacher, what did they say?
Winner!
by DanMahowny
Thu Dec 21, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Style Vanguard Portfolio?
Replies: 51
Views: 3756

Re: Dave Ramsey Style Vanguard Portfolio?

Dave Ramsey targets a low income, high debt consumer usually with poor self-control. I wouldn’t recommend listening to him even for his sub-optimal debt repayment strategies. I’d definitely not recommend listening to any investment strategies he may offer. Well done. This is what I was going to say...
by DanMahowny
Wed Dec 20, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing cash from online bank without a local bank account
Replies: 18
Views: 1677

Re: Getting large amounts of cash with no local bank

I have a checking account with Schwab Bank.

I'm able to withdraw up to $5,000 cash (all $100 bills) when I'm in Vegas (I do this often). All associated fees are auto-reimbursed.
by DanMahowny
Mon Dec 18, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 85
Views: 4845

Re: How do Bogleheads save on eyeglasses?

Wifey and I get our prescription glasses from Zenni.com

$6.95 complete (frames & glass)
by DanMahowny
Mon Dec 18, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Is Menards the future of retail? If so, what does it mean?
Replies: 37
Views: 2404

Re: Is Menards the future of retail? If so, what does it mean?

There is a Menard's where I live, but it's in a crappy neighborhood. I think it's best that I avoid it.

However, I've been there and the shoplifting that goes on is ridiculous. The "customers" will steal the pain off the walls.
by DanMahowny
Sun Dec 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Overnight guests
Replies: 15
Views: 1778

Re: Overnight guests

I would shut this down right now. This arrangement would be completely unacceptable to me.
by DanMahowny
Sat Dec 16, 2017 12:54 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 107
Views: 8202

Re: Is anyone putting money aside into Gold?

I own gold.

I own it to protect significant cash holdings from hyperinflation, not because I think gold is a good investment.
by DanMahowny
Thu Dec 14, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 6383

Re: State Farm Insurance, Time to Leave

It's wise to switch insurance companies every 4-7 years.

Loyalty is punished.
by DanMahowny
Mon Dec 11, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 181
Views: 14653

Re: Save all this money, what do you splurge on?

Exafchick wrote:
Mon Dec 11, 2017 1:56 pm
DanMahowny wrote:
Fri Dec 08, 2017 7:48 pm
I spent $13k on two puppies.
Just wondering why you would spend $13k on puppies when so many are in shelters that may be euthanized if not adopted?!
I wanted "Super-Dogs". They don't have "Super-Dogs" at shelters.
by DanMahowny
Sun Dec 10, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3248
Views: 943340

Re: What Movie Have You Recently Watched?

MrNewEngland wrote:
Sun Dec 10, 2017 8:06 pm
DanMahowny wrote:
Sun Dec 10, 2017 7:58 pm
John Wick 2.

Unequivocally, the greatest movie in the history of filmmaking.
I haven’t seen it yet but I find it hard to believe any movie can top Road House.
Well played, sir.
by DanMahowny
Sun Dec 10, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3248
Views: 943340

Re: What Movie Have You Recently Watched?

John Wick 2.

Unequivocally, the greatest movie in the history of filmmaking.
by DanMahowny
Sun Dec 10, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 181
Views: 14653

Re: Save all this money, what do you splurge on?

youngin87 wrote:
Sun Dec 10, 2017 4:57 am
Dam, I thought I spent a lot. I bought from True Haus, one of the top breeders in California. Cost me $2400 including airfare.
I am familiar with True Haus Kennels. They are a good breeder. Well done.

I'm sure you are happy with your dog.
by DanMahowny
Sat Dec 09, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 181
Views: 14653

Re: Save all this money, what do you splurge on?

mega317 wrote:
Sat Dec 09, 2017 12:17 am
DanMahowny wrote:
Fri Dec 08, 2017 7:48 pm
I spent $13k on two puppies.
WOW what breed?
German Shepherds (working line, aka the "real" German Shepherds)

Purchased from a top breeder in Washington- kraftwerkk9.com
by DanMahowny
Fri Dec 08, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 181
Views: 14653

Re: Save all this money, what do you splurge on?

I spent $13k on two puppies.
by DanMahowny
Fri Dec 08, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 10913

Re: Retire in my early 40s? Crazy or actually doable?

I retired at 42 with a lower net worth. Do it.
by DanMahowny
Sat Dec 02, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: travel golf club case?
Replies: 8
Views: 572

Re: travel golf club case?

Club Glove
by DanMahowny
Fri Dec 01, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 34
Views: 5718

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

It's a Permanent Portfolio, not a 5-Year Portfolio.

Seems to me the PP does exactly what it's supposed to do.
by DanMahowny
Fri Dec 01, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: For Musk, an Energy Feat the Size of a Football Field
Replies: 52
Views: 2239

Re: For Musk, an Energy Feat the Size of a Football Field

p0nyboy wrote:
Fri Dec 01, 2017 9:01 am
Musk is a modern day snake oil salesman. I wouldnt touch that stock with a 10 foot pole. This may be the first time ever that he actually delivered what he promised.
Indeed you are correct.
by DanMahowny
Thu Nov 30, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Safes
Replies: 31
Views: 2107

Re: Safes

I have a safe in my home. It's 100% decoy. Contents include a deck of cards, a few empty deodorant cans, old remote control, and a few matchbox cars.

The valuables are hidden elsewhere.
by DanMahowny
Tue Nov 28, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4197

Re: Luggage Update for Travel

I agree with a few others that said, "won't check a bag ever".

Trip enjoyment is inversely correlated with how much crap you bring with you. Try to adopt this philosophy for your next trip. You'll never go back.
by DanMahowny
Mon Nov 27, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 9086

Re: Tesla truck unveil

Musk seems to be the only CEO that can make outrageous promises; not deliver.

And get away with it unscathed. This won't last forever tho.

Heck, he is selling cars with "full self driving capability", and people are paying for it. Yet it doesn't exist. PT Barnum was right, indeed.
by DanMahowny
Mon Nov 27, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Gold?
Replies: 64
Views: 4157

Re: Gold?

I have $60,000 cash in a bank safe deposit box. Just because it makes me feel good.

I also have physical gold coins in there too- protect my cash if hyperinflation hits.

I don't care about zombies, or SHTF scenarios. I have trained protection dogs and lots of guns.
by DanMahowny
Sun Nov 19, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 13197

Re: The valet smashed my Tesla into a brick wall!

Been waiting to see if anyone would say it first, but . . . . . I'm not buying this story. I call BS. Why aren’t you buying it? #1- "Valet smashed new Tesla into brick wall" This is newsworthy, and should show up after a quick google search. However, a search yields nothing because it didn't happen...
by DanMahowny
Sun Nov 19, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 13197

Re: The valet smashed my Tesla into a brick wall!

Been waiting to see if anyone would say it first, but . . . . .

I'm not buying this story. I call BS.
by DanMahowny
Sun Nov 19, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 13197

Re: The valet smashed my Tesla into a brick wall!

minimalistmarc wrote:
Sun Nov 19, 2017 9:31 am
The things you own end up owning you. It's only after we've lost everything that we're free to do anything .
+4 (I hope my count is accurate)
by DanMahowny
Wed Nov 15, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 38
Views: 2537

Re: Office Chair Recommendations (Aeron?)

Aeron.

Had mine since 1999? The perfect chair, for me anyway.

Don't see any reason why it wont last another 20 years.
by DanMahowny
Wed Nov 15, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 5082

Re: Fair way to split expenses?

All our income flows into a joint checking account for bill pay, etc. Anything large is discussed; all taxable investment accounts are also joint (funded from checking). No issues. This describes our situation as well. 23+ years of marriage. No arguments about money. Ever. We are a team. It's OUR m...
by DanMahowny
Tue Nov 14, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 7146

Re: Tipping in living wage state. Redux.

If wait staff is earning $15 p/hr, I would employ the following formula to determine the appropriate tip.

Amount of my check x 0 = tip amount
by DanMahowny
Sat Nov 11, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6864

Re: Isn't it safer to NOT sign Credit card?

I sign my credit cards. And we're all protected against bogus charges, so there is no concern. Also, I can't recall the last time anyone actually handled my card, or asked to see it. I complete the transaction myself, usually online.

My debit cards go in the shredder immediately upon receipt.