Search found 531 matches

by 3504PIR
Tue Aug 14, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 80
Views: 5831

Re: As an American, where are some great places in the world to retire?

Have they ever lived outside the US? If they have lived internationally, have they ever set up basic utilities, banking or garbage collection? Are they fluent in any languages besides English? Do they watch a lot of tv?

Answers to these questions would be helpful.
by 3504PIR
Sun Aug 12, 2018 2:35 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford it"?
Replies: 42
Views: 3899

Re: Yet another "can I afford it"?

A lot of bogleheads will tell you that you're priorities are misguided and your budget for a car is a luxury you can't afford to execute. You can afford to do this, but I would only caution you to take your time and spend some time driving the cars you are interested in, in addition to your researc...
by 3504PIR
Sat Aug 11, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: tweak my finances...
Replies: 5
Views: 540

Re: tweak my finances...

I’m not sure why you aren’t interested in putting the money into a taxable account. It will certainly help out if you plan on retiring early. I have about half my investments in a taxable account and am very happy I do as I am retiring early next spring. I’ve also used some of the dividends to help ...
by 3504PIR
Mon Aug 06, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 14079

Re: Will you pay for your kids' college/graduate education?

We are paying 100%. Our daughter is attending a private university with about 40% of costs covered by scholarships and the remainder is paid by us. I had the opportunity to go to school with my parents paying and think it really helped me get off to a good start. We want our daughter to have the sam...
by 3504PIR
Fri Jul 27, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford it"?
Replies: 42
Views: 3899

Re: Yet another "can I afford it"?

A lot of bogleheads will tell you that you're priorities are misguided and your budget for a car is a luxury you can't afford to execute. You can afford to do this, but I would only caution you to take your time and spend some time driving the cars you are interested in, in addition to your research...
by 3504PIR
Thu Jul 26, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9245

Re: Toughest Purchase of my Life. Engagement Ring time

Back in the day when I became engaged, I shopped for the diamond rather than the ring. I was able to find a great stone, very high quality and color at a very good price. I gave her the diamond in its clear container in a ring box when I asked the question. The next day she picked out a setting and ...
by 3504PIR
Thu Jul 26, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6030

Re: Hold one stock 25 years

Interesting as a mental topic. My father who is now knocking on the door of 90 is/was pretty diversified overall but bought single stocks in the day, in companies that he likes and knows - and frankly that was the only way to invest in the stock market when he started investing. Many he has held for...
by 3504PIR
Tue Jul 17, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10134

Re: Amazon Prime Day 2018

I snagged 3 of the 6 free kindle books. Go me!
by 3504PIR
Tue Jul 17, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 61
Views: 3810

Re: Buy a vacation home while renting

I recommend looking at this decision from a broad context. If you were to pay off your student debt quickly while continuing on with your present lifestyle and not buying the vacation home, what will your net worth be in 10 years? You’re in a very good position to become very wealthy under that scen...
by 3504PIR
Tue Jul 17, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 115
Views: 7169

Re: Anyone not have a Budget?

I don't have a budget and have never followed one. I created a budget when I first got married but never checked it or followed up. I generally know my income, and know my expenses and about when they are due. If something in my life changes (like where I live or work for example) I will add up my i...
by 3504PIR
Sun Jul 15, 2018 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Spending profile in retirement
Replies: 19
Views: 1675

Re: Spending profile in retirement

I’ve always looked at my budget in the terms of fixed and variable costs. If you are spending around $10,000 a month after taxes, per the earlier post, is that your overall budget? I’m confused by the term spending in this context. Do you have obligations of $10,000 per month or does spending refer ...
by 3504PIR
Sun Jul 15, 2018 12:54 am
Forum: Personal Consumer Issues
Topic: Anyone been to Molokai lately?
Replies: 8
Views: 1612

Re: Anyone been to Molokai lately?

Have you considered Lanai? DW and I stayed at the Koele Lodge and it was wonderful. Played both golf courses. The island is unique. That was awhile ago before the major renovations. Not sure of the status now. Molokai is similar to where I grew up in old country Hawaii. No stoplights. No McDonalds....
by 3504PIR
Fri Jul 13, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6784

Re: Dave Ramsey made me laugh today

In the context you provide in the OP regarding bonds, Ramsey is 100% correct. Bonds and bond funds lose value in times of raising interest rates. I’m not sure why that made you laugh. The rest of it is typical Ramsey and I don’t agree with his investment advice. Only if the rise is not expected by ...
by 3504PIR
Fri Jul 13, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6784

Re: Dave Ramsey made me laugh today

In the context you provide in the OP regarding bonds, Ramsey is 100% correct. Bonds and bond funds lose value in times of raising interest rates. I’m not sure why that made you laugh. The rest of it is typical Ramsey and I don’t agree with his investment advice.
by 3504PIR
Thu Jul 12, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5685

Re: Anyone take naps at work?

I've only rarely gone out to my car and grabbed a quick power nap, but I wish napping was part of the work culture during my career. I think it is very beneficial to both employer and employee and if it was something I could have done without negative blowback, I may have stayed in the workforce lon...
by 3504PIR
Mon Jul 09, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3479

Re: Any kayakers here?

I kayak in the ocean here in HI and have recently added a sail to my hobie mirage. I go out to fish about half the time and go out for fun the other half. The sail is working great thus far and is pretty easy to get the hang of. Lots of kayakers around here. My dream kayak is the Hobie Island which ...
by 3504PIR
Fri Jul 06, 2018 2:40 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 69
Views: 8006

Re: Roll Call for the Retirement Class of 2019!

Last day at my job beginning at the end of May to mid June timeframe. I'll officially be off the books by the end of August. Very much looking forward to "the day" and will be doing #3, just fading away. I work at a remote location from my headquarters so fading away won't be that tough.
by 3504PIR
Mon Jul 02, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Destination - are you happy with your choice?
Replies: 127
Views: 15692

Re: Retirement Destination - are you happy with your choice?

So far so good, although we are still not at our home full time and don't have a year under our belts as of yet. We picked an area near Asheville, NC which combined the climate, location and price we were looking for. We have a 12 acre horse farm where we did a 100% rehab of the house on the propert...
by 3504PIR
Sun Jul 01, 2018 12:00 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 13526

Re: What are your property taxes?

$1300 pa in North Carolina
by 3504PIR
Sun Jun 24, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Jaguar F-Pace SUV ?
Replies: 9
Views: 1066

Re: Jaguar F-Pace SUV ?

I also recommend the Macan. It is the best vehicle I’ve ever owned. I recommend the 14 way seats as an option if you are looking at comfort. I’ve had a series of back and hip injuries from my time in the army, and prior to the 14x seats I’ve always had to stop driving every 2 hours to walk around an...
by 3504PIR
Fri Jun 22, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33744

Re: What is/ was your career and would you recommend it now?

Career number 1 was as an Infantry officer in the Army. I have mixed feelings about recommending it. I spent the majority of my career trying to one up myself by getting into more elite units and testing myself until about the 16 year point. Think airborne and ranger units. Mostly now I look back an...
by 3504PIR
Wed Jun 13, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Why market drop when Fed announced rate increase?
Replies: 19
Views: 2597

Re: Why market drop when Fed announced rate increase?

balbrec2 wrote:
Wed Jun 13, 2018 5:00 pm
goblue100 wrote:
Wed Jun 13, 2018 4:20 pm
As bond yields rise, stocks become less attractive.
The bond market and the fed are not the same thing
They are not, but that doesn't make his post incorrect.
by 3504PIR
Sun Jun 10, 2018 2:00 am
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 3218

Re: Porsche Macan

Just order the exact car you want via the Porsche website and have it delivered to your local dealer, or better yet, pick it up in Europe. I’ve ordered cars for the past 20 years and have not negotiated with a dealer for at least that long. I ordered my Macan and got exactly what I wanted, picked it...
by 3504PIR
Sat Jun 02, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 4944

Re: 6 hour layover on Heathrow

If you are flying BA at any point and have access to the lounge, the BA lounge in terminal 4 is pretty good with lots of beer selections and a curry bar most days if not all. There is also a pub just outside the door. A return ticket (round trip) on the Heathrow express is about 80 pounds per person...
by 3504PIR
Fri Jun 01, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo vs mountain cabin investment property
Replies: 30
Views: 2642

Re: Beach condo vs mountain cabin investment property

My retirement home is a small horse farm in the Smokey Mountains which I bought in 2010 after the housing crash for about 1/5 of the current value. Lots of second homes from the ATL crowd for weekend getaways and what you're thinking of. That place was hammered during the housing crash, lots of bank...
by 3504PIR
Fri Jun 01, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 11104

Re: Why have a savings account at all?

Everyone has situations specific to them, so do what works best for you. I prefer to keep my savings in a savings account with my bank and in I bonds, but I don't fool myself that I'll get the funds from the I bonds in a timely manner so I lean toward the savings account where I can access those fun...
by 3504PIR
Wed May 30, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4887

Re: My mind exploded

When I graduated from university, I was gifted a little over $1000 by mostly relatives. $50 here, $250 from my parents, etc. I went out and bought a rolex submariner for exactly $1000. I wonder if my parents heads exploded? My thinking was that I wanted to use the money for something that I was unli...
by 3504PIR
Fri May 18, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Mitsubishi wall air conditioner
Replies: 34
Views: 2359

Re: Mitsubishi wall air conditioner

I would consider the effect of putting a split system on the value of the home if it has a level of character worth saving or is historical. I would much rather install a high velocity system than hang a unit up by the ceiling on a Victorian home. High velocity systems use ducts like a traditional s...
by 3504PIR
Thu May 17, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2697

Re: Growing Fruit Trees and Shrubs

By far the easiest to grow, and most entertaining , fruit tree we have is pomegranate. In our climate (hot summer, winter lows in the low 30's F) our tree requires literally no maintenance. No water besides rain, which is a paltry 12 inches per year. No pruning, no pest control, nothing. And yes, i...
by 3504PIR
Thu May 17, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2697

Re: Growing Fruit Trees and Shrubs

Look into mini dwarf apple trees. The can be quite productive and have a 5' spread at 5' tall. I think we got about 40lbs of apples from 6 of them last year but they weren't up to full production yet, only 3 years old. You'll have to spray them about once a month maybe if the bugs are bad, I think ...
by 3504PIR
Wed May 16, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12997

Re: how do you tip on wine at a restaurant

I pay ~20% of the total bill.

To the OP, I like your avatar - it looks like Mokolii which is about 3/4 of a mile from my house but I face the water in another direction.
by 3504PIR
Wed May 16, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Federal Govt Retirees
Replies: 20
Views: 1475

Re: Question for Federal Govt Retirees

I'm in exactly the same boat with about 1 year left having just had a birthday this month (I never thought birthdays would matter so much after turning 21!). I don't know about notification of management - I would ask HR that question or hopefully someone else will know the answer. My management hea...
by 3504PIR
Fri May 04, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2697

Re: Growing Fruit Trees and Shrubs

Look into mini dwarf apple trees. The can be quite productive and have a 5' spread at 5' tall. I think we got about 40lbs of apples from 6 of them last year but they weren't up to full production yet, only 3 years old. You'll have to spray them about once a month maybe if the bugs are bad, I think ...
by 3504PIR
Fri May 04, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Growing Fruit Trees and Shrubs
Replies: 30
Views: 2697

Re: Growing Fruit Trees and Shrubs

I'm expanding my fruit tree inventory over the next 12 months to a total of 6 trees. I currently have 2 red apple trees and a pear tree as well as a white grape vine that is probably 40 years old and planted way before my time. Ultimately, I hope to have 12 fruit trees to include apple, pear and pea...
by 3504PIR
Fri May 04, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18840

Re: Ed. Jones rep didn't like our plan, now we're locked out

Absolutely move accounts as soon as they can, that goes without saying and this would have set me off to no end. I would contact the SEC and report the rep and EJ over this. I would spend just enough time on it to where it didn't become all consuming, but still with enough effort to make this hurt. ...
by 3504PIR
Wed May 02, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 2012

Re: Asheville, NC Visit

Drive to Franklin, NC via I 40 and Hwy 74 and 23, its about a 50 minute drive to Franklin. From Franklin, head toward Highlands on Highway 64 and be prepared to be amazed at the waterfalls and scenery. When you're finished being amazed, you should continue on 64 to Brevard and then back to Asheville...
by 3504PIR
Fri Apr 27, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: AF pilots and retention bonus, glad you stayed or happy you went?
Replies: 27
Views: 3888

Re: AF pilots and retention bonus, glad you stayed or happy you went?

I would offer that the bonus is only a small part of a larger decision - which you describe in your post, the challenges of continuing to serve at the midway point of a military career. The fact that they are offering the bonus certainly complicates the decision, but I would approach the problem wit...
by 3504PIR
Wed Apr 25, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Building/House Plans
Replies: 26
Views: 1842

Re: Building/House Plans

We just finished this process and I'll provide some thoughts on our experience. We hired an architect to put our vision on paper and to work through some details to ensure what we intended was both doable and not beyond the cost we were shooting for. It is important to know what you are looking to a...
by 3504PIR
Tue Apr 17, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Too much rent?
Replies: 21
Views: 2083

Re: Too much rent?

We plan on being here permanently, but also thought that before our previous move. We could save 4k+ a month if we really stuck to our budget. That would allow us to save up for 1 year and grab the rest from our emergency fund which would bring that down to 12 months reserves Is this a planned temp...
by 3504PIR
Fri Apr 13, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 13636

Re: How Far is to Far, Commuting?

3 hour daily commute to go 5 -7 miles or less to Honolulu on the Island of Oahu, Hawaii. Gridlock. Glad those days are over. j :D My commute is 15-20 minutes one way from Kailua into Town, which is exactly why we live on the windward side. I would've gone crazy driving from out West or Hawaii Kai e...
by 3504PIR
Fri Apr 13, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 49
Views: 4343

Re: Gardening 2018

Hawaii and North Carolina Gardens here. In Hawaii I'm planting new spinach and tomatoes this weekend as last years plants have run their course. I tend to get about 8 months of production from each but its time for new plants. Over the winter in North Carolina at our retirement home I planted 50 asp...
by 3504PIR
Fri Apr 13, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13957

Re: Divs and Cap Gains are killing me

I don't see what the problem is other than how you are viewing your situation. I looks like you have around $60,000 in dividends this year ($49,000 from the Schwab account and another $10k or so from the rest). This portion of your portfolio is doing exactly what you want it to be doing at this poin...
by 3504PIR
Thu Apr 12, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Disneay Aulani (Hawaii) vacation planning
Replies: 14
Views: 1384

Re: Disneay Aulani (Hawaii) vacation planning

Its fun for the kids, we've spent some time there although we didn't spend the night. Note the location is west Oahu, not Waikiki. Just wanted to mention that as you refer to "the strip" in your OP. It is next door to a Four Seasons resort, not sure how much the price difference is but if they are o...
by 3504PIR
Tue Apr 10, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Persian Rug Passed Down From Grandmother
Replies: 28
Views: 2394

Re: Persian Rug Passed Down From Grandmother

We have a Persian rug slightly larger than the one you have which we also were handed down from my Grandparents. We use it in our family room and have been using it for over 10 years in different houses but always in high traffic rooms such as living room or family room. There has been no real negat...
by 3504PIR
Fri Mar 23, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9860

Re: Maybe Ramsey is right

So doing nothing is better? Because that was my original point. It is far better to invest in something that will make you money than nothing. It is also far better to invest in low cost index funds than funds with higher fees. But doing the former is not horrific.
by 3504PIR
Fri Mar 23, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9860

Re: Maybe Ramsey is right

How would you lose millions over a lifetime by using higher fee funds? Millions?? You're 3.0% is not accurate, have a look at some full fee funds they are around 1.0. I'm not justifying full fee funds, but millions? No.
by 3504PIR
Fri Mar 23, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 11146

Re: Losing friends/family when wealthy

Friendships must be maintained, or they will die slow death. If you did not have a wedding, you missed an opportunity to strengthen your friendships. If you don't go out to eat, you are missing opportunities to socialize with your friends. If you don't travel with your friends for vacations, you do...
by 3504PIR
Fri Mar 23, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9860

Re: Maybe Ramsey is right

I am a fan of Dave Ramsey with his debt free advice. But for investments I think he believes his ELP financial advisors can do better with there front load fees. Than again they pay his company fees for advertisements. He's dealing with financial numbnuts though. Investing with an adviser is better...
by 3504PIR
Thu Feb 15, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 15779

Re: What is the best home exercise equipment?

If you get a rower, get the best one: http://www.concept2.com/indoor-rowers. This is what gyms, college teams and rowing clubs use. I've had two, they work great and last many years. The Model D is just fine, but at $900 it's more expensive than the Costco one you linked to. I haven't rowed the Cos...
by 3504PIR
Mon Feb 12, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 7529

Re: Should I buy a house, duplex/multiplex, or condo in Houston, TX? Any advice?

livesoft wrote:
Mon Feb 12, 2018 12:45 pm
You should not buy. You should rent.
amen.