Search found 1722 matches

by Bfwolf
Thu May 17, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9722

Re: how do you tip on wine at a restaurant

I think people calling other people cheapskates for questioning the pretty obviously ridiculous tipping conventions in the US is uncalled for. Having said that, I abide by the pretty obviously ridiculous tipping conventions. I don't drink much, which means on average servers get lower tips from me t...
by Bfwolf
Sun May 13, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1463

Seeing a rocket launch in FL

My brother visited me last weekend, and the current Bogleheads thread on bucket lists inspired me to ask him about his bucket list items. One of his is to see a rocket launch in Florida. I thought this could be a fun thing for us to do together, perhaps in Winter when the temperatures aren't so oppr...
by Bfwolf
Tue May 08, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7858

Re: Bucket List Adventures/Activities

metacritic wrote:
Tue May 08, 2018 7:17 am
1. hiking to mountain gorillas in Rwanda or Uganda (pondering doing this in summer 2018)
I did this in February and would strongly recommend it. But I think you'd want to combine it with something else in East Africa besides just gorilla trekking.
by Bfwolf
Fri May 04, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Moving downtown Chicago. Should I sell my car?
Replies: 41
Views: 2594

Re: Moving downtown Chicago. Should I sell my car?

Yeah the only L stops that are really close to Streeterville are the Grand and Chicago red line stops. Even those aren't in Streeterville but are at least near by. If one of those is pretty close to your work/school, then it opens up the red line as a good option for your daily commute. It runs Nort...
by Bfwolf
Fri May 04, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7858

Re: Bucket List Adventures/Activities

Great thread, and I've enjoyed reading others' bucket lists...some I've done, some I want to do, and some I've never even considered but sound intriguing! Some things on my bucket list I've already accomplished: I've been to Europe many times, but my first trip when I was 21 was a big bucket list it...
by Bfwolf
Fri May 04, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2888

Re: Stock Buybacks as a Global Trend?

The key to it is--at what price are the shares purchased? If the price is too high, then it harms the remaining shareholders and benefits those who sell into the buyback bid. If its lower (which is the objective) it benefits the shareholders who don't sell any of their shared. I disagree that this ...
by Bfwolf
Fri May 04, 2018 3:38 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2888

Re: Stock Buybacks as a Global Trend?

The last I read buybacks can be involuntary. You would receive a notice in your account stating 10% of your shares would mandatorily be bought back, for example. You would not have a choice. Do you have an example of this? I've never heard of it. Here's an article detailing some of the very rare oc...
by Bfwolf
Fri May 04, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Moving downtown Chicago. Should I sell my car?
Replies: 41
Views: 2594

Re: Moving downtown Chicago. Should I sell my car?

I haven't been to Chicago in quite some time. Aren't the bike sharing services a reasonable means of transportation in the denser areas? Those bikes seem to be all over the place in New York. Divvy (Chicago's bike share) is great. I am a member. But I (and many others) only use it when the weather ...
by Bfwolf
Fri May 04, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Moving downtown Chicago. Should I sell my car?
Replies: 41
Views: 2594

Re: Moving downtown Chicago. Should I sell my car?

I also recommend downloading the Via app. It's a competitor to Uber pool, but your chances of riding solo are much higher with Via. I'm often able to get pretty far with it for $3.95 or $4.95, and it's replaced a lot of my CTA usage.
by Bfwolf
Fri May 04, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Moving downtown Chicago. Should I sell my car?
Replies: 41
Views: 2594

Re: Moving downtown Chicago. Should I sell my car?

Good to know. My wife & I are looking at moving in the Streeterville area since it would put us within a few blocks of work for her and school for me. I've had a few friends suggest going north to Wicker Park/Lincoln Park. What's your opinion? Agree with everybody about selling the car and buying a...
by Bfwolf
Thu May 03, 2018 10:11 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2888

Re: Stock Buybacks as a Global Trend?

I find it interesting that people have this great fear or buybacks taking away from reinvestment in the company but these people don't seem to have the same fear of dividends doing the same. I seem to recall Simplegift posting something in the past showing that total cash return to shareholders is n...
by Bfwolf
Thu May 03, 2018 10:06 pm
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2888

Re: Stock Buybacks as a Global Trend?

What if the buyback is involuntary ? So if you needed the money you could sell your shares anyway. But a buyback forces you to sell your shares you might want to keep. To me it's kind of a non-event then. I’m not sure I know what you’re talking about, other than taking a company private... I'm just...
by Bfwolf
Thu May 03, 2018 12:59 am
Forum: Investing - Theory, News & General
Topic: Stock Buybacks as a Global Trend?
Replies: 39
Views: 2888

Re: Stock Buybacks as a Global Trend?

A buyback should generally have no impact on the share price while dividends will reduce the stock price. So for company executives with tons of stock options that don't pay any dividends before they're executed, it's easy to be cynical and think they're financially motivated to prefer buybacks. And...
by Bfwolf
Wed May 02, 2018 1:41 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 27
Views: 2155

Re: Making it easier to track posts from the OP

Silk McCue wrote:
Wed May 02, 2018 12:37 pm
After CTRL-F search for "by opname" as that will only bring up posts that they initiate.

Cheers
Good suggestion!

I'd still love a way to filter to just the OP posts but this is a good hack.
by Bfwolf
Wed May 02, 2018 12:31 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 27
Views: 2155

Re: Making it easier to track posts from the OP

CTRL+F is an unhelpful option in my experience since it also pulls in all the posts that quote the OP. And sometimes there are multiple quotes from the OP in a single post. You can easily end up with 20+ "hits" with no actual OP posts.
by Bfwolf
Tue May 01, 2018 1:24 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 27
Views: 2155

Making it easier to track posts from the OP

One frustration I have when reading a thread is that after the original post, there might be a ton of discussion from other posters before the OP comes back with more information. Or sometimes the OP never comes back at all. And I am just reading pages of back and forth between everybody else, often...
by Bfwolf
Tue May 01, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 2945

Re: Avocado Timing

Everyone has their recipe for guacamole .... this isn't bad. Major mistakes usually are (1) putting in mayonnaise (2) blending the mixture to a disgusting smooth puree (3) putting in weird spices ... god help me cumin being used most often ... black pepper is very seldom used in most latin american...
by Bfwolf
Mon Apr 30, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 3761

Re: Hotel rewards programs

I think the Club Carlson credit card is underrated for anybody that travels to NYC or Chicago on an annual basis. The points are worth somewhere in the $0.003 to $0.004 range, and the credit card earns 5x points per $1 spent, so you get 1.5% to 2% "rebate" value....certainly not as good as 2% straig...
by Bfwolf
Sun Apr 29, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1005424

Re: What Movie Have You Recently Watched?

You Were Never Really Here. I give it 2 stars. Too disjointed for me, and I read the wikipedia plot explanation afterwards and thought, "were some scenes in my version of the movie edited out because I don't remember that." Blockers. 3 stars, maybe 3.5. I though this was a fun and enjoyable movie wi...
by Bfwolf
Thu Apr 26, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5864

Re: Learning to drive stick

Some points of clarification: The Azores are part of Portugal and drive on the same side of the road as the USA. I've never been to the Azores, but as another poster mentioned, they are very hilly but also pretty rural. So the hills may be a challenge, but I'm unlikely to be holding up a lot of traf...
by Bfwolf
Thu Apr 26, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10389

Re: Nomadic lifestyle in their 50s

2) Have you ever gotten into the credit card "game?" You can earn a lot of miles and points for signing up for new credit cards and this could keep your travel expenses down. We both have a good amount of airline and hotel miles based on from many years of work travel. I am just starting to get int...
by Bfwolf
Thu Apr 26, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5864

Learning to drive a stick [car with manual transmission]

I know how to drive an automatic transmission but don't know how to drive stick. I have a trip to the Azores coming up where the difference between a manual car and an automatic is about $280. I also travel a fair bit every year these days and in the last couple of years have paid a significant prem...
by Bfwolf
Thu Apr 26, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 2194

Re: Help! Nephew is asking for college advice (undergrad choices)

Purdue seems like the natural choice here. Best engineering school and cheapest.

What are your nephew's concerns about Purdue? It is just the distance from home? Why does that bother him? Was he hoping to come home every couple of weekends or something?
by Bfwolf
Thu Apr 26, 2018 12:56 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10389

Re: Nomadic lifestyle in their 50s

Oh and another thought: whatever place you rent as your homebase, it would be ideal if you could Airbnb it out while you're out of the country. That requires a landlord who is on-board, which might require some searching, but if you were willing to pay a bit over market price, you could probably ge...
by Bfwolf
Thu Apr 26, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 5958

Re: Who benefits from "best and final offer" on condo?

With these escalator clause bids, I assume it's illegal for the seller to have a friend submit a bid just below the maximum in the escalator? It's not a matter of Illegal but when I'm representing the buyer we put a stipulation in that we need to see the offer we were bidding against. The can redac...
by Bfwolf
Wed Apr 25, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 5958

Re: Who benefits from "best and final offer" on condo?

With these escalator clause bids, I assume it's illegal for the seller to have a friend submit a bid just below the maximum in the escalator?
by Bfwolf
Tue Apr 24, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10389

Re: Nomadic lifestyle in their 50s

Oh and another thought: whatever place you rent as your homebase, it would be ideal if you could Airbnb it out while you're out of the country. That requires a landlord who is on-board, which might require some searching, but if you were willing to pay a bit over market price, you could probably get...
by Bfwolf
Tue Apr 24, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10389

Re: Nomadic lifestyle in their 50s

THANK YOU AGAIN for very thoughtful comments. 1. We will not do the RV thing in N.American - wife would not like it as she hates driving a sedan - so this is out of the question 2. Condo. the sale prices might go up - however .... Even though we have no mortgage, we are probably at $20K/year expens...
by Bfwolf
Mon Apr 23, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10389

Re: Nomadic lifestyle in their 50s

OP, I like this idea very much! Selling the Seattle condo makes complete sense. If you didn't own the condo and had that money invested in a portfolio of stocks and bonds, I can't imagine anybody saying "well the one thing you gotta do before you set off is a buy a condo in a city you don't intend t...
by Bfwolf
Mon Apr 23, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2690

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements. I am looking to open some new credit cards for their rewards and need to spend at least $3k in 3 months for some of them. I am wondering if it is stupid or smart to pay estimated business taxes with credit card...
by Bfwolf
Sat Apr 21, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Visiting Chicago - Foodie suggestions?
Replies: 28
Views: 1728

Re: Visiting Chicago - Foodie suggestions?

Some really good suggestions here (well maybe not Weber Grill....come on!). A few add'l thoughts: 1) There are a lot of different opinions about the best deep dish place. People rave about Pequod's, but I absolutely prefer Giordano's. Some people don't like Giordano's at all. It's all just personal ...
by Bfwolf
Sat Apr 21, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1005424

Re: What Movie Have You Recently Watched?

Saw Chappaquiddick yesterday. I give it 3 stars out of 4. I was born after the incident so have no memory of it nor of its impact on Ted Kennedy's future political career. So I went in as a pretty blank slate. The guy who plays Ted Kennedy does a great job.
by Bfwolf
Thu Apr 19, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10124

Re: Got hit with a $2800 Medical bill. Can I negotiate?

OP, did you call the medical provider? What happened?
by Bfwolf
Sun Apr 15, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1005424

Re: What Movie Have You Recently Watched?

I saw Isle of Dogs and A Quiet Place last week. Isle of Dogs I would give 2 out of 4 stars. If you're a Wes Anderson fanatic, I'm sure you'll love it. I enjoyed his first 2 movies (Bottle Rocket, Rushmore) but since then I've thought they've been meh at best (Life Aquatic, Royal Tenenbaums, Darjeeli...
by Bfwolf
Sun Apr 15, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: 52 oz, the new orange juice size?
Replies: 21
Views: 1682

Re: 52 oz, the new orange juice size?

We (the collective "we," not you and I specifically) are the cause of all this downsizing. It's what consumers often prefer (versus price increases) when voting with their dollars. It has to be significantly preferred, in fact, because size changes are expensive.
by Bfwolf
Fri Apr 13, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 7345

Re: Why traditional IRA better than Roth IRA

In general, the Roth beats the tIRA for almost all taxpayers in the new 24% and under brackets (under $315k a year aAGI, or about 98% of Americans). Doing the math over 10, 20, or 30 years, Roth wins. A pretty simple way to calculate whether the Roth would be a better deal or not is to run the $11k...
by Bfwolf
Fri Apr 13, 2018 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 7345

Re: Why traditional IRA better than Roth IRA

This example is true only when you pay the taxes from the pot of money, when it goes in, and when it comes out. But why would you waste your tax-deferred dollars on taxes if you can pay the taxes out of your income or taxable assets? This is especially true for a Roth conversion. If you decide to d...
by Bfwolf
Fri Apr 13, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Crazy to start 529 without kids??
Replies: 49
Views: 3729

Re: Crazy to start 529 without kids??

I don't think this is a crazy idea, especially since you live in a state that offers a deduction for 529 contributions. It's a calculated risk. Yes, there's the possibility that you won't need that money for education expenses. But new parents don't know they'll need the money for education expenses...
by Bfwolf
Thu Apr 12, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: As an expat with no US address, can I move my 401k?
Replies: 18
Views: 1704

Re: As an expat with no US address, can I move my 401k?

fredjohnson wrote:
Thu Apr 12, 2018 8:39 pm
Your an ex-Pat so you are NOT a US citizen any longer? I'd say you won't be able to move the money anywhere.
Fred, a US expat is a US citizen living abroad. They keep their citizenship.
by Bfwolf
Thu Apr 12, 2018 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 7345

Re: Why traditional IRA better than Roth IRA

when withdrawal time comes total money will be much bigger and with Roth I am not paying any tax whereas with traditional I would be. This is a common fallacy. It doesn't matter that the money will be greater when you take it out. Here's a simple exercise to prove the point. Let's compare $10,000 a...
by Bfwolf
Tue Apr 10, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Entire $24,000 SEP IRA in Vanguard Health Care Fund
Replies: 34
Views: 2440

Re: Entire $24,000 SEP IRA in Vanguard Health Care Fund

OP, I think the big question here is: what do you know that the professional analysts who cover the health care industry for a living don't? Because by placing a bet on that sector, you are saying that they have under-valued the health care industry and its performance will exceed their expectations...
by Bfwolf
Tue Apr 10, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 8246

Re: Cash flow problems - best way to handle?

I don't think I was as direct about my idea on the first post as I could have been. You obviously own a valuable piece of RE and I'm not familiar with your local market for it but could you run some airbnb rentals through it when the kids aren't there? That might be less hassle than permanently ren...
by Bfwolf
Tue Apr 10, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38050

Re: Name something you bought that wasn't cheap and glad you did

My Herman Miller Aeron desk chair. I work from home and was really screwing up my back and neck with the crappy chair I had before. I bought the Aeron chair used and it was still about $400 if I remember correctly. I got it with a year left on its warranty and was able to get a bunch of stuff fixed ...
by Bfwolf
Tue Apr 10, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Persian Rug Passed Down From Grandmother
Replies: 28
Views: 2235

Re: Persian Rug Passed Down From Grandmother

This thread inspired me to take out the afghan my Grandma knitted for me before she died ~15 years ago and has been sitting unused in a shelf in my closet this whole time. I miss her and holding the afghan definitely brought out some bittersweet feelings.
by Bfwolf
Sun Apr 08, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can we discuss renting a car? [Insurance]
Replies: 25
Views: 1329

Re: Can we discuss renting a car? [Insurance]

Related question for folks: I am travelling with a friend and we will be getting a rental car at Budget, booked through Costco. She will be the person on the contract, and I will be listed as an additional driver (free through Costco booking). She has personal auto insurance, I do not. If I'm drivin...
by Bfwolf
Sun Apr 08, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can we discuss renting a car? [Insurance]
Replies: 25
Views: 1329

Re: Can we discuss renting a car? [Insurance]

OP, getting back to your original question. You should probably use the Chase Sapphire Preferred to pay for the rental. That will give you primary collision coverage. You should probably buy the rental car company's additional liability insurance supplement, as your credit card won't provide this an...
by Bfwolf
Thu Apr 05, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Keep it simple for me...please!
Replies: 12
Views: 2206

Re: Keep it simple for me...please!

Cassieeee, first let me congratulate you on what you've achieved so far with relatively little knowledge on the subject. Maybe you know more than you think you do! Second, I would definitely encourage you to do some reading or watch some videos to increase your knowledge. You can read the If You Can...
by Bfwolf
Thu Apr 05, 2018 1:05 am
Forum: Personal Consumer Issues
Topic: LG 75" vs OLED 65" TV or Wait?
Replies: 44
Views: 4037

Re: LG 75" vs OLED 65" TV or Wait?

I bought a 65" LG OLED to replace a 2006 Panasonic 50" 720P plasma. The picture is excellent. BUT, and this is a huge but, the difference vs the Panasonic is minimal when watching regular HD satellite feed. TV capabilities have far outstripped what satellite/cable companies can deliver. And my under...
by Bfwolf
Sat Mar 31, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Total return vs dividends
Replies: 54
Views: 4859

Re: Total return vs dividends

I view a portfolio as a water tank the level of which goes up or down depending on the market. The tank has two taps to withdraw funds from: 1) dividend 2) selling shares Tap 1 is controlled by the companies and you may redirected it to the tank if you choose. On the other hand, you may open or clo...
by Bfwolf
Sat Mar 31, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1005424

Re: What Movie Have You Recently Watched?

I'm torn on the Death of Stalin. Intellectually, I enjoyed it. It's clever. There were a couple of moments where I laughed out loud. I was never bored. But at the end, I didn't come out feeling like "Man I really loved that movie" like I did when I came out of The Florida Project and The Shape of Wa...