Search found 110 matches

by Coburn
Tue Jun 30, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 98
Views: 7296

Re: Best watch for $5,000+

I feel like people should post more pictures in threads like these! Saves us plebs from having to Google watch models. Just as PP has their model classics and Rolex with their famed 'triple-6' ie. 16660 has theirs...the erudite WIS can spot their others. :wink: You others will just have to fumble a...
by Coburn
Sun Jun 28, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 98
Views: 7296

Re: Best watch for $5,000+

For me, I only buy what I like and I don't care about value retention (because I am never going to sell my watches). I want pristine, new, no other owners. Which is fine until your fancy turns to watches that aren't in production any longer...then you're in a bind. I've a mechanical alarm watch whi...
by Coburn
Mon Jun 22, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund is late
Replies: 102
Views: 3973

Re: Federal tax refund is late

What are these consequences you're talking about? :confused Are you being flippant? Assuming you're not, one major consequence of filing paper forms is the sheer backlog the IRS is dealing with this year. When will they get them all done?...who can say? In the OP's case: you will have to wait, howe...
by Coburn
Mon Jun 22, 2020 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund is late
Replies: 102
Views: 3973

Re: Federal tax refund is late

What are these consequences you're talking about? :confused Are you being flippant? Assuming you're not, one major consequence of filing paper forms is the sheer backlog the IRS is dealing with this year. When will they get them all done?...who can say? In the OP's case: you will have to wait, howe...
by Coburn
Sat Jun 20, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10378

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

The simple answer is Sellers can do whatever they want. I received a call today from a client that wanted to view a house. The agent remarks stated that any offers had to include a pre-approval letter from their chosen lender. I asked the client if he really wanted to go through the hassle if havin...
by Coburn
Sat Jun 20, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10378

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Wow, this issue sure brings up some strong feelings in people. Especially since OP already solved his problem on the first page, and is long gone. 1. Note to all potential buyers - the seller can set any preconditions he wants. If you are unwiling to meet them, move on. The seller isn't going to lo...
by Coburn
Sat Jun 20, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10378

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

Wow, this issue sure brings up some strong feelings in people. Especially since OP already solved his problem on the first page, and is long gone. 1. Note to all potential buyers - the seller can set any preconditions he wants. If you are unwiling to meet them, move on. The seller isn't going to lo...
by Coburn
Mon Jun 01, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 98
Views: 7296

Re: Best watch for $5,000+

...as youre tantilizing close to a Lange Saxonia or VC's Patrimony Both of these approach 12-15k which leaves the 6-11k underbelly. Consider Zenith and Blancpain in addition to the Breguet, GO, and JLC mentioned before. IWC used to be a contender. I'd steer clear of Cartier, but both the Santos and...
by Coburn
Thu Apr 30, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 323917

Re: Best watch for around $5,000?

We have some nice art at home...They give us pleasure with the detailing, and also, often, the memories of when/where we got them. Interesting you say that... I bought a painting on a cruise some years back. No idea when the next cruise will be, but the painting hangs in my living room. I quite lik...
by Coburn
Tue Mar 10, 2020 4:35 pm
Forum: Personal Consumer Issues
Topic: what to do with older Android tablets
Replies: 18
Views: 1281

Re: what to do with older Android tablets

I bought a Surface Pro on Black Friday 2018 thinking it would become my main go-to device, but no...it's still the my lowly cheap $200 Android tablet that I reach for most.

Go figure! :happy
by Coburn
Tue Mar 10, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: what to do with older Android tablets
Replies: 18
Views: 1281

Re: what to do with older Android tablets

Older Android tablets may not get updates to newer versions, but that doesn't mean that they are without use. My 4.4 KitKat device is used daily for watching Youtube vidoes, browsing the Internet using Chrome, and for watching movies via VLC and Plex. It does video chats with family. I've bought sd ...
by Coburn
Tue Mar 10, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 323917

Re: Best watch for around $5,000?

Clearly, there are other factors that purchasers value - why keep harping on only one element while ignoring the purchaser's intent, rationale, motives and feelings? When reduced to only one criteria, all discretionary markets seem imprudent. For example, reducing food to caloric value makes any re...
by Coburn
Fri Mar 06, 2020 10:08 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 323917

Re: Best watch for around $5,000?

Hopefully, Grand Seiko will make some smaller watches by the time I'm in a position to buy them. In the meantime, I've been taking a long look at the Citizen Chronomaster . I just wish I could actually see them in person - the white washi dial is probably the safest choice, but it's really hard to ...
by Coburn
Fri Mar 06, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 323917

Re: Best watch for around $5,000?

I have a family member who was also bit by the watch bug. The difference between us is that I lost interest after a few watches, but he continues to purchase ever more rare and expensive watches. I say nothing, but wonder where does it end? I've spent pretty pennies on watches so I know how easy it...
by Coburn
Fri Mar 06, 2020 8:35 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 323917

Re: Best watch for around $5,000?

I can't reconcile treating a $12k luxury watch as a beater Beater can mean many things to different WIS. Any watch I wear I try to be careful about, regardless of price, but should it get nicked..."Well that's life" and soldier on. Since you hold Grand Seiko in high regard...though I know why remov...
by Coburn
Fri Mar 06, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 323917

Re: Best watch for around $5,000?

My first nice watch was a Jaeger, then bought a sub, then Omega '57. Only the Rolex was a good investment. I love watches and love this forum. I have spent a ton of money on watches that I could have invested into the S+P. Sorry, but someone who loves watches never really thinks of them as investme...
by Coburn
Wed Feb 26, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: bought a used laptop on eBay at great price but feel guilty
Replies: 38
Views: 4358

Re: bought a used laptop on eBay at great price but feel guilty

The Zellepay of 1/2 of amount you would have paid would be a really sweet thing to do.

These little acts of kindness to others are appreciated more than you think.
by Coburn
Wed Feb 26, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000? [Archived]
Replies: 1479
Views: 323917

Re: Best watch for around $5,000?

A $5000 watch is as useless as gold coins. And Vuitton hand bags, and Hermes scarves, and fancy dinners, and nice vacations. Exactly. :) People choose what they spend their money on, whether it's a wristwatch, a nice handbag, dining out, vacations, travel, etc. My watches range from under $500 to o...
by Coburn
Sat Feb 22, 2020 11:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19256
Views: 2673260

Re: U.S. stocks in free fall

I also have a fear that the longer we go propping up the economy with low interest rates and low taxes resulting in even greater debt, the worse it will be. If that is so, I would rather get it over with and move into a genuine recovery that lifts a greater portion of the population. And what makes...
by Coburn
Sat Feb 15, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Still haven’t received my Consolidated 1099 for Vanguard Brokerage Account
Replies: 53
Views: 3671

Re: Still haven’t received my Consolidated 1099 for Vanguard Brokerage Account

Waiting on mine... I'm waiting on two 1099s.

My appt with cpa is more than a month away so not too concerned yet.

Update: got the email today and d/led the Vanguard 1099...now the wait for the remaining one.
by Coburn
Sat Feb 15, 2020 7:52 am
Forum: Personal Investments
Topic: Horrible Experience with Vanguard [Login account security]
Replies: 163
Views: 10974

Re: Horrible Experience with Vanguard

I tried to access my online Vanguard account and the site did not recognize my computer. Apparently when I received a Windows update last night, my cookies were deleted. To make matters worse, I moved and changed my phone number on my account over a year ago. However, the phone number for getting a...
by Coburn
Wed Feb 05, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107660

Re: Well, I am market timing... Wish me luck.

The danger of this experiment is if ii is successful, it will embolden you to doing at again in the future.

If your portfolio is small, the reward is rather minimal.
by Coburn
Wed Feb 05, 2020 12:32 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1220
Views: 107660

Re: Well, I am market timing... Wish me luck.

Portfolio amount? Taxable or non-taxable?

Assuming end-March is the deadline of this little experiment, it doesn't seem very long to me. If nothing happens by then, will you go back to 75/25 or extend the wait?
by Coburn
Mon Feb 03, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5552
Views: 1359522

Re: What Movie Have You Recently Watched?

Odd that I haven't seen the latest Tarantino flick yet...I usually like his films and make it a point to see them on release.

"Begin Again" 2013
"The Gumball Rally" 1976

Watched both years ago and both hold up to a second viewing!
by Coburn
Mon Feb 03, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Stay the course as a Lifestyle mantra
Replies: 10
Views: 770

Re: Stay the course as a Lifestyle mantra

But behavioral studies have shown that people who weigh themselves daily are more successful losing weight. A weekly weigh-in is sufficient (same day, same time). Weighing yourself daily may be even self-defeating if exercise level is increased during this time while dieting. bloom2708 has it corre...
by Coburn
Fri Oct 25, 2019 10:59 am
Forum: Personal Investments
Topic: Fidelity Disclosed Personal Account Information
Replies: 20
Views: 2951

Re: Fidelity Disclosed Personal Account Information

I don't know if this faux pas means you should pull your account from Fidelity (probably not a move I'd do in your shoes, but that's for you to determine), but at the very least you should call to have the work number and related details removed from your current profile. I would also be escalating ...
by Coburn
Sat Oct 19, 2019 10:29 am
Forum: Personal Investments
Topic: Is our fixed income allocation too low?
Replies: 66
Views: 4271

Re: Is our fixed income allocation too low?

Everyone's AA is a personal choice, but if I were the OP...I'd sell 5% of the Berkshire stock to fixed income in 5 year's time. in 10 year's time, another 4-5% more.

Beware your love affair of Berkshire...nothing lasts forever.
by Coburn
Thu Oct 17, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5982

Re: Should I take the job in OKC or Orlando?

Not been to OK, but yes to FL...weather-wise, OKC is a little cooler and hence probably where I'd steer towards. Tornados are a concern and the region gets a fair share of flash flooding, etc...both of which mean very careful selection of a proper site for a house if this move becomes a reality for ...
by Coburn
Thu Oct 17, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 11875

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

And yet, it's stories this this one which lead me to chuckle: https://www.macrumors.com/2019/10/17/samsung-galaxy-s10-security-flaw-fingerprint/ It not an atypical story when it comes to Android or Samsung. And not that Apple is faultless either, mind you. :wink: I'm an independent when it somes to ...
by Coburn
Mon Oct 07, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?
Replies: 16
Views: 1633

Re: Health insurance plan doesn't have a qualified specialist doctor in-network. What should we do?

If you have approval for the out-of-network surgery to be in network... I don't think OP has gotten approval for this surgery to be covered in-network, if I am reading his post correctly. He has only obtained so far...the agreement that the out-of-network doctor to be considered in-network for his ...
by Coburn
Tue Oct 01, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Risks with seeing out of network dentist?
Replies: 22
Views: 1605

Re: Risks with seeing out of network dentist?

Seems like you are pre-judging w/o the benefit to actually trying them out. And if few are on social media...somehow you rate them poorly?! You are prepared to spend $100 out-of-network when it's likely in-network will be little-to-no cost. My dental needs don't go beyond 2x/year cleaning. Total cos...
by Coburn
Mon Sep 30, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Temp Worker - How Much Emergency Fund Do I Need?
Replies: 18
Views: 1455

Re: Temp Worker - How Much Emergency Fund Do I Need?

Do focus on finding a FT gig.

Self funding your IRA/Roth is small potatoes compared to getting back in w/FT job that has a proper 401k (plus any employer match). medical, and other goodies.

That's when your net worth can really grow.
by Coburn
Mon Sep 30, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Temp Worker - How Much Emergency Fund Do I Need?
Replies: 18
Views: 1455

Re: Temp Worker - How Much Emergency Fund Do I Need?

In your case, extend the EF to 1 year with additional rolling 3 month safety net (as discussed) as long as you continue to be a non-FT worker.

Even if your 401k can be borrowed against in tough times...don't go there.
by Coburn
Sun Sep 29, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: Going to a wedding party
Replies: 48
Views: 4688

Re: Going to a wedding party

Reading through some posts...I say wow! Money trees?! Dollar dances with the bride/groom?!

And if a shindig cost 200K, that must have been something. :happy
by Coburn
Sun Sep 29, 2019 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Temp Worker - How Much Emergency Fund Do I Need?
Replies: 18
Views: 1455

Re: Temp Worker - How Much Emergency Fund Do I Need?

1. Whats the pay difference between full-time and contract worker for your industry in your locale? What is your locale? How long have you been at this current job? 2. Minimum of 6 months in EF...so your 8 is better than that, but shoot for 12 months. One option you could try is to set your EF to 9 ...
by Coburn
Tue Sep 24, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable Accommodation Requests?
Replies: 47
Views: 3707

Re: Reasonable Accommodation Requests?

What type of work do you do? And don't be surprised if all your requests are turned down.

It would take a lot for any employer to accommodate your requests. Don't think so? Job hunt then and see...
by Coburn
Tue Sep 24, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 66
Views: 5333

Re: How did your Windows 10 upgrade go?

I'm still in the process of trying to upgrade from my win 7 - running into one technical problem after another. Still trouleshooting? Last night, I reloaded the Win7 backup to my sensitive machine - the X61S. I'll keep the Win10 image and may revisit the installation at a later date. For some stran...
by Coburn
Thu Sep 19, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

SSD or spinning platters? And total capacity and free space? You never said. Coburn: standard hard drive - not SSD. Running disk mgmt, total Win7 OS C drive capacity is 447GB, w/83.3GB used (85% free); 364GB free. Two other partitions - system drive and recovery drive - are far smaller in size (hop...
by Coburn
Thu Sep 19, 2019 1:57 pm
Forum: Non-US Investing
Topic: What to Recommend to Interested Friends
Replies: 20
Views: 1395

Re: What to Recommend to Interested Friends

Why do you recommend anything? Are you in investments by profesion? Not that it would influence the answer in any way.

This type of question rarely comes up in my circle.
by Coburn
Thu Sep 19, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8860

Re: How to handle "split-the-bill" group lunches?

People have pretty strong opinions on this topic. 1. Some are very strongly on the split evenly amongst everyone. 2. Some strongly prefer the pay for what you bought. The people in group one I think are the ones that spend the most and don't care that others subsidizing their tab. Being the enginee...
by Coburn
Thu Sep 19, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

thanks guys...appreciate everyone's knowledge and explanations. RickBoglehead: not replying from laptop at moment, so can't remember exact %, but def more than sufficient c drive space when I doublechecked via disc mgmt again last night. I also see other partitions you mentioned and even they have ...
by Coburn
Thu Sep 19, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

LiterallyIronic wrote:
Thu Sep 19, 2019 9:32 am

I find the simplest way to do an OS install is to first backup all your data to an external drive...
This is the option of last resort. There's at least two other options I would try before this. just saying... :wink:

She really has to provide much more info before I'd go down this road...
by Coburn
Thu Sep 19, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

Thanks RickBoglehead - will definitely try all your suggestions. Appreciate your detailed post. I don't think hard drive space is going to be the issue- I keep very few files on this system and there's no 3rd party software downloaded, other than Office 2010. Shouldn't be any reason it doesn't work...
by Coburn
Thu Sep 19, 2019 7:21 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

You might think that, but... 1. Guest wireless network separates my trusted network from all other machines. No exceptions. 2. Wired access to the trusted network is only possible from one room in the house. Those are great ideas but they are addressing different risks than unpatched/unfixed OS vul...
by Coburn
Wed Sep 18, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

Thanks RickBoglehead - will definitely try all your suggestions. Appreciate your detailed post. I don't think hard drive space is going to be the issue- I keep very few files on this system and there's no 3rd party software downloaded, other than Office 2010. Shouldn't be any reason it doesn't work...
by Coburn
Wed Sep 18, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

"If your Win7 machine has 4gb RAM or better, it should run Win10 acceptably well...provided it can be upgraded to Win10. As said, some wireless NICs don't have Win10 support and if you can upgrade to Win10 but don't have connectivty afterwards, an inexpensive USB NIC can be added afterwards if you ...
by Coburn
Wed Sep 18, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

For starters, all financial transactions I do are done on a sole designated Win7 laptop whose only function is to run Firefox and nothing else. Provided I can update Firefox regularly, my usual procedure will be unchanged. My main PC is Win 7 but I also use a dedicated PC for accessing finance/bank...
by Coburn
Tue Sep 17, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: DCA vs. Lump Sum- an interesting analysis
Replies: 62
Views: 4523

Re: DCA vs. Lump Sum- an interesting analysis

Always engoy reading articles such as this which is backed up by some research and numbers.

Of course, you will still have those will still insist on doing things 'their' way but hey?! :wink:
by Coburn
Tue Sep 17, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

You might think that, but... 1. Guest wireless network separates my trusted network from all other machines. No exceptions. 2. Wired access to the trusted network is only possible from one room in the house. Those are great ideas but they are addressing different risks than unpatched/unfixed OS vul...
by Coburn
Mon Sep 16, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7200

Re: Do you trust Microsoft updating your Windows 7 machine?

For starters, all financial transactions I do are done on a sole designated Win7 laptop whose only function is to run Firefox and nothing else. Provided I can update Firefox regularly, my usual procedure will be unchanged. This is a terrible idea after Feb 2020. It would mean that the sole designat...