Search found 130 matches

by BionicBillWalsh
Sun Nov 17, 2019 3:16 am
Forum: Personal Investments
Topic: Why do you have to "beat the market"?
Replies: 63
Views: 3431

Re: Why do you have to "beat the market"?

WANTED: New or gently used time machine to be able to routinely pull this off
by BionicBillWalsh
Sat Nov 16, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: What are the best jobs to downshift into?
Replies: 32
Views: 4240

Re: What are the best jobs to downshift into?

Move to Orlando and go work for Disney.
by BionicBillWalsh
Sat Nov 16, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 116
Views: 8159

Re: Best thing you have ever bought?

Lasik surgery at 21 years old nothing comes close Very close to verbatim to what I was scrolling down to post: Toric lens implants when I had my cataract surgeries. I can't think of a close second. After 50+ years of wearing glasses constantly to using readers occasionally. What a change! I wish I ...
by BionicBillWalsh
Sat Nov 16, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 116
Views: 8159

Re: Best thing you have ever bought?

LASIK

Tempur-pedic

Both have been fantastic purchases
by BionicBillWalsh
Mon Nov 11, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: Water hammer
Replies: 27
Views: 2107

Re: Water hammer

Could it possibly be a malfunctioning subwoofer?
by BionicBillWalsh
Sun Nov 10, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: If you were forced to pick an alternative asset...
Replies: 101
Views: 6099

Re: If you were forced to pick an alternative asset...

Vegas baby!

Or

I bet there is about to be some grape growing land for sale in Northern California soon.
by BionicBillWalsh
Sat Nov 09, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Tale of 2 doctor job opportunities
Replies: 41
Views: 3679

Re: Tale of 2 doctor job opportunities

Physician here, though not your specialty. The first option sounds great. As long as you feel the practice is well run, it will by far give you greater autonomy and eventually I feel a better quality of life. Understandably you’ll work hard your first few years. That’s ok, you’ll have the stamina an...
by BionicBillWalsh
Wed Oct 30, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10601

Re: Apple Pay. Does anyone use it?

Yes. In fact, my Amex Platinum is on the chopping block when I’m due for the annual fee as Apple Pay and its associated card are far better for my lifestyle and spending habits. I love it. That’s interesting since I do have a AE platinum card..hmmmm...thanks I figure by switching exclusively to the...
by BionicBillWalsh
Wed Oct 30, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Timeshare offer experience
Replies: 103
Views: 10199

Re: Timeshare offer experience

Given the average nightly room rate here in Maui is approaching the entire cost of your first trip...doesn’t sound like a bad deal if you like Hawaii and can resist the sharky timeshare sales people.
by BionicBillWalsh
Wed Oct 30, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10601

Re: Apple Pay. Does anyone use it?

Yes. In fact, my Amex Platinum is on the chopping block when I’m due for the annual fee as Apple Pay and its associated card are far better for my lifestyle and spending habits. I love it. That’s interesting since I do have a AE platinum card..hmmmm...thanks I figure by switching exclusively to the...
by BionicBillWalsh
Wed Oct 30, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10601

Re: Apple Pay. Does anyone use it?

I applied for an Apple Card and they gave me a 40K credit line and 12.9% APR. I loaded in my USAA debit card that I normally use for small purchases, my Double Cash, and Chase Sapphire. I’ve been using the Apple Card and then paying it off as charges post. I like the way Apple encourages micro paym...
by BionicBillWalsh
Tue Oct 29, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: "Learning"
Replies: 15
Views: 2474

Re: "Learning"

Mr. Digweed wrote:
Tue Oct 29, 2019 7:49 pm
Do I really have to read 250 books?
Yes. It’s in the wiki.
by BionicBillWalsh
Tue Oct 29, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 178
Views: 10601

Re: Apple Pay. Does anyone use it?

Yes. In fact, my Amex Platinum is on the chopping block when I’m due for the annual fee as Apple Pay and its associated card are far better for my lifestyle and spending habits.

I love it.
by BionicBillWalsh
Mon Oct 28, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2414

Re: Popeyes Chicken Sandwich [is it a good value]

Unfortunately, it does not appear that Restaurant Brands International Inc (NYSE: QSR) is represented in VTSAX. They are Popeyes parent company. I only eat what I own. Addendum... Berkshire Hathaway owns a 4.8% stake. So, I can try it now. Good thing I believe in international diversification:) I d...
by BionicBillWalsh
Mon Oct 28, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2414

Re: Popeyes Chicken Sandwich [is it a good value]

Unfortunately, it does not appear that Restaurant Brands International Inc (NYSE: QSR) is represented in VTSAX. They are Popeyes parent company. I only eat what I own.

Addendum...

Berkshire Hathaway owns a 4.8% stake. So, I can try it now.
by BionicBillWalsh
Sun Oct 27, 2019 3:45 pm
Forum: Personal Investments
Topic: VFIAX vs FXAIX vs SWPPX?
Replies: 11
Views: 707

Re: VFIAX vs FXAIX vs SWPPX?

Vanguard Patented a Way to Avoid Taxes on Mutual Funds

https://www.bloomberg.com/graphics/2019 ... tax-dodge/
by BionicBillWalsh
Fri Oct 25, 2019 10:16 pm
Forum: Personal Investments
Topic: Transamerica 401k advice
Replies: 17
Views: 1012

Re: Transamerica 401k advice

The ER for my wife’s 401k for TransAmerica are 0.89 for Vanguard’s life strategy funds. Absolutely unfathomable in this day and age. And those funds are the low ones.
by BionicBillWalsh
Mon Oct 21, 2019 12:04 pm
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12099

Re: High income earner waiting for a bear market to start investing

Hi guys, thanks so much for all the input I read everything and appreciate all the ideas, and find funny the trolling comment but its understandable. So let me clear up a few things. - I lived in debt my whole life. My parents believed in using debt to fund anything and everything and had no proble...
by BionicBillWalsh
Mon Oct 21, 2019 9:19 am
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12099

Re: High income earner waiting for a bear market to start investing

Why don’t you start by picking a random date of the month and then dollar cost average 10k into your investment(s) of choice? That’s 120k a year you’d be putting into the market that you’re not doing now. It’ll be habit forming...and addictive, and soon you’ll be doubling that amount. Around age 55 ...
by BionicBillWalsh
Thu Oct 17, 2019 4:55 pm
Forum: Investing - Theory, News & General
Topic: Bank of America declares 'the end of the 60-40' standard portfolio
Replies: 88
Views: 15178

Re: Bank of America declares 'the end of the 60-40' standard portfolio

The rumors of the death of the 60/40 balanced portfolio are greatly exaggerated. +1 Actually, Mr. Bogle said that a 65% stock/35% bond portfolio was a good portfolio for most investors, even retirees. I guess 65/35 is the new 60/40. Bogle made comments that he felt most retirees were invested too c...
by BionicBillWalsh
Wed Oct 16, 2019 2:02 am
Forum: Personal Consumer Issues
Topic: Where to stay in Maui?
Replies: 24
Views: 2005

Re: Where to stay in Maui?

Elua or Ekahi village are probably the best of both worlds. You can get a small kitchenette and are steps from the beach in Wailea. They're pretty fairly priced. You can book them through Destination Hotels. If you don't have kids and have a decent budget, go to the Four Seasons. The place is magica...
by BionicBillWalsh
Wed Oct 02, 2019 3:26 am
Forum: Personal Consumer Issues
Topic: When to buy Apple Watch
Replies: 4
Views: 748

Re: When to buy Apple Watch

If you have the Apple credit card you get 3% cash back on Apple purchases. If you are a Veteran, they have a decent discount for that as well.
by BionicBillWalsh
Sat Sep 28, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: Mid-Century Sofa - Quality of Online Brands / Midrange Chains
Replies: 33
Views: 3115

Re: Mid-Century Sofa - Quality of Online Brands / Midrange Chains

Another Room and Board fan here.

High quality, American made furniture and they’ll deliver and set it up in your house for you.
by BionicBillWalsh
Tue Sep 24, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: Thought provoking non-fiction for 3rd grader
Replies: 51
Views: 2516

Re: Thought provoking non-fiction for 3rd grader

My wife, a former children’s librarian and a current elementary school teacher says “The boy who harnessed the wind” young readers edition may be exactly what you’re looking for.
by BionicBillWalsh
Thu Sep 19, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 9242

Re: Best places to live to raise a family (cost doesn't matter)

Hawaii lifestyle, weather, and community are unparalleled. especially if cost not a factor. Record high temps this past summer and a local community that isn't always welcoming to outsiders. I'd say buyer be aware. Record high temps everywhere this past Summer. Welcome to Earth. The locals are plen...
by BionicBillWalsh
Thu Sep 19, 2019 3:09 pm
Forum: Personal Investments
Topic: One Fund that meets the Bogleheads 3 fund portfolio.
Replies: 14
Views: 1896

Re: One Fund that meets the Bogleheads 3 fund portfolio.

Fidelity Four in One Index Fund is close https://fundresearch.fidelity.com/mutual-funds/summary/31634R109 Not really. It's 85% stock. That's not close to CWRadio's desiderata that "The allocation for equity should be between 25 to 35%... I am retired and are in the distribution phase of my life." Y...
by BionicBillWalsh
Thu Sep 19, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 9242

Re: Best places to live to raise a family (cost doesn't matter)

Hawaii lifestyle, weather, and community are unparalleled. especially if cost not a factor. Record high temps this past summer and a local community that isn't always welcoming to outsiders. I'd say buyer be aware. Record high temps everywhere this past Summer. Welcome to Earth. The locals are plen...
by BionicBillWalsh
Wed Sep 18, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 3941

Re: Vacation ideas for February

Hawaii. Hands down the best choice for February. The humpbacks can’t be wrong.
by BionicBillWalsh
Wed Sep 18, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Recommendations to ship car to HI without hassle?
Replies: 1
Views: 364

Re: Recommendations to ship car to HI without hassle?

Go with Pasha. They’ll keep your vehicle in a container across the Pacific. Mattson does not. My vehicles arrived a little salty. Should be no problem with yours going to Oahu.
by BionicBillWalsh
Wed Sep 18, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 9242

Re: Best places to live to raise a family (cost doesn't matter)

Hawaii

lifestyle, weather, and community are unparalleled. especially if cost not a factor.
by BionicBillWalsh
Wed Sep 11, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: Streaming basic TV with DVR
Replies: 25
Views: 2272

Re: Streaming basic TV with DVR

I also have a TiVo box, mine is with a Spectrum cable card. I have no equipment fees and can watch in every room in the house with the mini receivers. It is definitely the best DVR experience available.
by BionicBillWalsh
Fri Sep 06, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Mensa membership
Replies: 90
Views: 7412

Re: Mensa membership

Mensa is a lot like most nude beaches. Intriguing in concept. Horrifying in reality.

Cheers!
by BionicBillWalsh
Thu Aug 29, 2019 11:10 pm
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2793

Re: Maui Honeymoon Daily Spending Budget

Which part of the Island are you staying? I can give you more specific recommendations that way.
by BionicBillWalsh
Fri Aug 23, 2019 1:54 am
Forum: Personal Consumer Issues
Topic: Dealer asking to re-sign
Replies: 45
Views: 4474

Re: Dealer asking to re-sign

I think you will be fine. Don't bring your checkbook. They should not get any new money (loan or cash payment). Clerical mistakes happen from time to time. +1 I've made my share of mistakes in the past so while verifying that everything is legitimate I would not make a big deal out of it. +2 I don’...
by BionicBillWalsh
Thu Aug 22, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Physician quality and experience
Replies: 94
Views: 6272

Re: Physician quality and experience

Meet with her. See what she has to say. Coming out of fellowship, she'll be competent. You just have to determine if she's a good fit for you.

If not, you're not married to her. Move on.
by BionicBillWalsh
Wed Aug 21, 2019 2:41 am
Forum: Personal Finance (Not Investing)
Topic: Life Advice: deciding what you want to do.
Replies: 49
Views: 4892

Re: Life Advice: deciding what you want to do.

Go to Outward Bound and pick any of the courses they offer. Get out of the city and into nature and go find yourself while picking up some new skills and friends.
by BionicBillWalsh
Wed Aug 21, 2019 1:29 am
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11257

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Talenti is good and honest, but middle of the pack and nothing to write home about. Don't set your hopes too high. I agree with that assessment but there is a caveat. They are the only ones I know with a screw-on container, which prevents the inevitable refreezing and freezer burn that you get even...
by BionicBillWalsh
Sun Aug 18, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 77
Views: 8044

Re: WSJ print edition renwal time - any discounts?

Apple has much of the WSJ and probably all of it but hard to navigate some areas for 9.99 per month for their news app FWIW - also you get the LA times and like 50 magazines including sports illustrated... I use this as well. The WSJ interface sucks but you can find everything you want to read by c...
by BionicBillWalsh
Tue Aug 13, 2019 1:57 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 5582

Re: Cutting the Cord - NFL Network?

NFL Game pass is $99.

That and a VPN will get you anything you want. ;)
by BionicBillWalsh
Sun Aug 11, 2019 8:42 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett and Bonds
Replies: 18
Views: 2079

Re: Warren Buffett and Bonds

I’m having a hard time understanding the vitriol against Buffet. As the chairman and CEO of BH, his day job is pretty busy. Although he has a Dalai Lama-esque presence in the American financial markets, why is he held to a different standard than Bill Gates, Jamie Dimon, or Sergei Brin? He is runni...
by BionicBillWalsh
Sun Aug 11, 2019 8:05 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett and Bonds
Replies: 18
Views: 2079

Re: Warren Buffett and Bonds

I’m having a hard time understanding the vitriol against Buffet. As the chairman and CEO of BH, his day job is pretty busy. Although he has a Dalai Lama-esque presence in the American financial markets, why is he held to a different standard than Bill Gates, Jamie Dimon, or Sergei Brin? He is runnin...
by BionicBillWalsh
Wed Jul 31, 2019 2:38 pm
Forum: Personal Investments
Topic: Buying Amazon Stock
Replies: 28
Views: 3607

Re: Buying Amazon Stock

What is the point of buying one share? In 1985, BRK-A averaged a share price of $1982 (about where Amazon has been running recently) Today it closed at $312,430.00 That's why. I personally don't mind paying taxes on massive gains. your post, though interesting, makes this outcome sound 'common', wh...
by BionicBillWalsh
Wed Jul 31, 2019 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 9761

Re: Bloomberg: Forget Tech, Medicine Still Pays More

We had some kids in my first year of medical school that were there for the wrong reasons. Parents, money, nothing better to do. They unfortunately didn't make it. Suicide is a real problem in these situations. The journey is too arduous, expensive, and essentially all-encompassing to do for the wro...
by BionicBillWalsh
Wed Jul 31, 2019 1:10 am
Forum: Personal Investments
Topic: Buying Amazon Stock
Replies: 28
Views: 3607

Re: Buying Amazon Stock

mcraepat9 wrote:
Wed Jul 31, 2019 12:48 am
What is the point of buying one share?
In 1985, BRK-A averaged a share price of $1982 (about where Amazon has been running recently)

Today it closed at $312,430.00

That's why.

I personally don't mind paying taxes on massive gains.
by BionicBillWalsh
Wed Jul 31, 2019 12:59 am
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2698

Re: Hawaii in August

You made a good choice with the Fairmont on Big Island. You will have a good time there. Doing all the touring with a toddler may be a little rough as the Island is quite big and getting to Volcanoes National Park is no joke. I agree with Sandtrap, Waikoloa village is also another great place to st...
by BionicBillWalsh
Mon Jul 29, 2019 12:07 am
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2698

Re: Hawaii in August

You made a good choice with the Fairmont on Big Island. You will have a good time there. Doing all the touring with a toddler may be a little rough as the Island is quite big and getting to Volcanoes National Park is no joke. I agree with Sandtrap, Waikoloa village is also another great place to sta...
by BionicBillWalsh
Sun Jul 28, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7426

Re: Long commute: how to manage?

Yet the evidence is that Teslas have more accidents and higher death rates than the comparable cars from companies like Lexus, MB, Volvo and BMW. Tesla looks great compared to all cars. Against its peers it doesn't do so great. Could you please provide a source? Tesla’s Driver Fatality Rate is more...
by BionicBillWalsh
Sat Jul 27, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7426

Re: Long commute: how to manage?

When you look at fuel cost, safety, and the convenience of charging your vehicle in your garage at night, owning anything but an electric vehicle makes no sense. The tax rebates, local incentives, less car maintenance, environmental advantages and semi-autonomous driving are the cherry on top. umm ...
by BionicBillWalsh
Sat Jul 27, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7426

Re: Long commute: how to manage?

“Nearly 1.25 million people die in road crashes each year, on average 3,287 deaths a day.” https://www.asirt.org/safe-travel/road-safety-facts/ I’ve seen video of where the collision occurred in the Huang crash. Definitely a weird and unfortunate thing. It’s why it is always recommended to use the s...