Search found 1739 matches

by Bfwolf
Mon Jul 16, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 3
Views: 65

Re: Passport expiration time rules for France

I am also seeing some web sites saying 6 months from day of entry. Since you have plenty of time til October, why not renew passports now?
by Bfwolf
Mon Jul 16, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 3
Views: 65

Re: Passport expiration time rules for France

US state department web site says "Passports must be valid for at least three months beyond your planned date of departure from the Schengen area."
by Bfwolf
Mon Jul 16, 2018 1:19 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2705
Views: 529655

Re: What's Your Credit Card Rewards Strategy?

I got a targeted Amex Business Gold Rewards offer for 75K points after $5K spend in 3 months. I got this bonus 3 years ago but didn't see anything in the T&Cs about once in a lifetime. I applied today and got no popup warning me I was bonus ineligible. Hoping I'll get the bonus again!
by Bfwolf
Sat Jul 14, 2018 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 55
Views: 3843

Re: Should we sell our business?

I tend to agree with Rick that $2M sounds optimistic if you just had bankers say it's worth $900K. Do you have any indication that the buyer would pay $2M? I think the concept of "enough" is important here too. More money is nice, but when you have enough, you have enough, right? Wow this is moral ...
by Bfwolf
Sat Jul 14, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 55
Views: 3843

Re: Should we sell our business?

I tend to agree with Rick that $2M sounds optimistic if you just had bankers say it's worth $900K. Do you have any indication that the buyer would pay $2M?

I think the concept of "enough" is important here too. More money is nice, but when you have enough, you have enough, right?
by Bfwolf
Thu Jul 12, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 10030

Re: COMING SOON: BOGLEHEADS PODCASTS

When I think about parameters for a good name for this podcast: 1) Telegraphs what the podcast will be about for non Bogleheads.org users. So "Bogleheads Podcast" doesn't work. 2) Covers the full breadth (or close to it) of what the Bogleheads philosophy is about. So any focus purely on investing do...
by Bfwolf
Sun Jul 08, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: After-tax contributions to 401(k)?
Replies: 25
Views: 1695

Re: After-tax contributions to 401(k)?

I assume that your company does not allow in-service conversions to a Roth 401k or in-service withdrawals of after-tax contributions/earnings? If it does, that would certainly make things easier. If it doesn't, and you have to wait until after you separate from service to get the after-tax $s into a...
by Bfwolf
Wed Jul 04, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Can you just hold VOO VTI and call it a day?
Replies: 10
Views: 1019

Re: Can you just hold VOO VTI and call it a day?

Holding both VOO and VTI doesn't make sense. They will perform similarly, and you're fooling yourself if you think you're getting meaningful additional international exposure by mixing VOO with VTI instead of just using VTI by itself. If you really want Int'l exposure, you need to bring VXUS into th...
by Bfwolf
Sun Jul 01, 2018 10:53 pm
Forum: Investing - Theory, News & General
Topic: Share Buybacks and Value Destruction
Replies: 10
Views: 1087

Re: Share Buybacks and Value Destruction

When it comes to returning profits to shareholders, some advocate dividend payments and others prefer share buybacks. Theoretically, a properly executed share buyback is better because it is not a taxable event for ongoing share owners. However, many buybacks are poorly executed and destroy capital...
by Bfwolf
Sun Jul 01, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1026924

Re: What Movie Have You Recently Watched?

Solo: I came in with low expectations due to not so great RT reviews (for a Star Wars movie), poor box office performance, and the fact that I haven't liked ANY of the new Star Wars movies. But you know what? This is a good movie! It's funny, straightforward, and makes some nice mentions that tie it...
by Bfwolf
Tue Jun 26, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 5817

Re: Timing exit from megacorp

I think your approach is sound. Ensure you get what you're owed before you let them know. You really don't owe them anything more than 2 weeks notice, which is the professional standard. Leaving for retirement purposes doesn't make you owe them any more notice than leaving for another job, though th...
by Bfwolf
Tue Jun 26, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11628

Re: When did you start flying business class?

As I've mentioned, this is our Plan B if we actually use up our hoard of points. We can't purchase Amex Membership Miles, but we can purchase AAdvantage points, and when there is a sale (often), it is just under (or "approximately in our minds") 2 cents per mile. American has a terrific selection o...
by Bfwolf
Tue Jun 26, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11628

Re: When did you start flying business class?

Even with miles, I am judicious about it. When I fly TO Europe, I try to go business class. As someone else mentioned, the seat IS business class. For me anyway. I can barely sleep in economy and so that overnight flight east is just miserable for me if I'm not in a lie flat sleep. Coming FROM Euro...
by Bfwolf
Mon Jun 25, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11628

Re: When did you start flying business class?

For the OP, I get it. It seems wasteful. I don't have anywhere near as much money as you, but I only fly business class with miles. I can't justify the price premium in $s either. Even with miles, I am judicious about it. When I fly TO Europe, I try to go business class. As someone else mentioned, t...
by Bfwolf
Wed Jun 20, 2018 11:50 pm
Forum: Personal Consumer Issues
Topic: Best time to travel to Iceland?
Replies: 22
Views: 2791

Re: Best time to travel to Iceland?

I think the time to go is probably the "shoulder" season....late May/early June or early September. You'll get fewer tourists and lower prices because school is in session and this keeps families away. While the weather is at its best in mid-Summer, these shoulder seasons should have good enough wea...
by Bfwolf
Mon May 28, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Using Air Miles and Paying Fees and Taxes
Replies: 29
Views: 1869

Re: Using Air Miles and Paying Fees and Taxes

My advice for using frequent flyer miles for travel to Europe: 1. Avoid London airports. 2. Avoid British Airways. I flew from the US to Madrid (and back) a few weeks ago using United frequent flyer miles, and the taxes and fees were less than $100. Did you fly United, or use United awards for a di...
by Bfwolf
Thu May 17, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12637

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: 1571

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: 8453

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: 2741

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: 8453

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: 3064

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: 3064

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: 2741

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: 2741

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: 2741

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: 3064

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: 3064

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: 3064

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: 29
Views: 2686

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: 29
Views: 2686

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: 29
Views: 2686

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: 3099

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: 3958

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: 3602
Views: 1026924

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: 6466

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: 11092

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: 6466

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: 2338

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: 11092

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: 6463

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: 6463

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: 11092

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: 11092

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: 11092

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: 2840

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: 1895

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: 3602
Views: 1026924

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: 10826

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

OP, did you call the medical provider? What happened?