Search found 1824 matches

by diasurfer
Tue May 15, 2018 3:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 11605

Re: Yes, I'm 89 all right!

Happy Birthday Mr. Bogle!
by diasurfer
Tue Jan 09, 2018 10:03 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 13978

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I don't read them but they don't particularly bother me, and don't waste my time since I'm not a moderator. The milestone thread seems like a good solution. The one thought I consistently have when I read the titles to these threads is "how many of these posters are going to come back and tell us wh...
by diasurfer
Fri Sep 29, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 15992

Re: The Rolex and The Boglehead

OK, how about doing the comparison at 600 m? And hey, that watch is $180! I thought we were comparing a Rolex to a $50 watch. Moving goalposts! I've been surfing, sailing, and diving in a digital watch for years. As a family heirloom, my Rolex is much too valuable for me to risk losing it to the sea.
by diasurfer
Fri Sep 29, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 15992

Re: The Rolex and The Boglehead

For watches? If you hid/removed the Rolex logo, covered the jewelry elements (quality of the band, gold of the watch casing, etc), how different would it be from a decently made, similar in style $50 or $500 watch? Is it more reliable? I doubt it - a quartz watch is presumably going to be more accu...
by diasurfer
Fri Sep 29, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 15992

Re: The Rolex and The Boglehead

1. The people who think owning an expensive watch is stupid think watches should solve the "telling the time" problem. That's why a Casio = Rolex. 2. The people who think owning an expensive watch is awesome think watches should solve a different problem than the "telling the time" problem. For tho...
by diasurfer
Thu Sep 28, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 15992

Re: The Rolex and The Boglehead

I also can never pass on a Rolex thread. My father bought a Rolex Sea-Dweller in 1980 when he was a charter boat captain. It was purchased for about $500. Looks like I could sell it now for about $17500. That's a ~10% annual return, minus the $300-$500 spent each time it was serviced over the years ...
by diasurfer
Wed Jan 25, 2017 1:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 14384

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday Taylor!
by diasurfer
Fri Jan 13, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: FL prepaid plan(4-Year Florida University Plan)
Replies: 22
Views: 4370

Re: FL prepaid plan(4-Year Florida University Plan)

Link: http://www.myfloridaprepaid.com/what-we-offer/four-year-university-plan/ Considering investing lump-sum into the 4-Year Florida University Prepaid Plan. Currently, the lump-sum amount is $29,472 for a kid born in 2017 who would be covered for 120 credit hours in a State university in year 203...
by diasurfer
Mon Apr 18, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: University of Virginia vs University of Miami
Replies: 148
Views: 14620

Re: University of Virginia vs University of Miami

All due respect to Valuethinker, but passing on the U because of MIA airport is perhaps the silliest thing I've ever read from him. Although what he said about MIA is mostly true. The airport has been refurbished but it's still a bad design, and rudeness never goes out of style in Miami. Not a big d...
by diasurfer
Thu Jul 02, 2015 1:45 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 35173

Re: Emergdoc on Mr. Money Mustache

People living on $25k a year don't get to spend a month in Hawaii. People making $25K a year do not spend a month in Hawaii if that means staying at the Hilton Hawaiian Village, eating fresh sushi every day, and sipping mai-tai's from the tiki bar while watching the sunset. But you would be surpris...
by diasurfer
Tue Jun 23, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Wedding dress in Hawaii
Replies: 16
Views: 4116

Re: Wedding dress in Hawaii

It does not matter what the "locals" do. It matters only what your son and the bride would prefer. Ask them. This When I lived there, almost any trip to a beach park would feature at least one Japanese newlywed couple presumably on wedding package deals. He would be in full tuxedo, while she would ...
by diasurfer
Tue Jun 23, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: Wedding dress in Hawaii
Replies: 16
Views: 4116

Re: Wedding dress in Hawaii

I lived in Hawaii for many years and got married outdoors there. I can't imagine wearing a tux but ask the bride. I wore a nice aloha (aka Hawaiian) shirt, some beige dockers, and a nice leather pair of "slippahs". Just because it's an aloha shirt, it doesn't have to be a cheap, loud, obnoxious aloh...
by diasurfer
Tue Jun 23, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 48786

Re: OPM breach and credit freeze

OK, slowly taking some action here after Anthem and OPM (for wife) hacks. I am preparing to freeze credit for both of us.

I plan to buy additional term life insurance in the next couple of months. Does anyone know if I will have to unfreeze to qualify?
by diasurfer
Mon Jun 22, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 48786

Re: OPM breach and credit freeze

Isn't the first rule of security clearances that you don't talk about your security clearance? That's the second post on this thread calling out themselves or family members as clearance holders. Yes this is a mostly anonymous website, but given the concerns expressed in this thread, and the known w...
by diasurfer
Fri Jun 19, 2015 2:57 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 48786

Re: OPM breach and credit freeze

The wife and I own two-fers in the "victims of hackery" department. SHE was a victim of the OPM breach. We were BOTH victims of the Anthem (Health Insurance Company) breach. The result? We had some unkonwn entity e-file for a federal income tax refund using my Social Security Number. The result is ...
by diasurfer
Wed Jun 25, 2014 3:37 pm
Forum: Personal Consumer Issues
Topic: Contractor Messed up
Replies: 45
Views: 3772

Re: Contractor Messed up

The idea that perfectly good built-in furnishings can be "out-of-style" and "dated" strikes me as absurd. You can guess how I feel about the fashion industry. I didn't even realize that counter-tops could be "in-style" until we bought our first home. Fortunately, while my wife is quite aware of such...
by diasurfer
Tue May 20, 2014 9:48 am
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 10869

Re: Question for renters that are happily renting..

I'm 45 with wife and 3 kids aged 5, 3, and 1. This is the first house I've owned, coming up on 3 years now. I rented houses the whole time I lived in Hawaii (can't stand apartments) and it actually made financial sense (once I had passed the opportunity to buy in early 2000s when prices were still h...
by diasurfer
Tue May 20, 2014 9:25 am
Forum: Personal Consumer Issues
Topic: Paying [on] a date
Replies: 73
Views: 4622

Re: Paying for a date

Married but when dating five years ago I think I paid more than 50% of the time but my now wife would pick up the bill sometimes. There wasn't any splitting. That strikes me as odd and probably annoying for the server. What worked for us was alternating with a slight masculine tilt. I would say bef...
by diasurfer
Fri May 16, 2014 9:48 am
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 9470

Re: UCLA vs USC Decision [Which college to attend]

I would say UCLA and save the extra money for graduate school.
by diasurfer
Tue May 13, 2014 3:08 pm
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 93
Views: 7983

Re: Soylent

He claims it is balanced in proper proportions, but there may be synergistic effects in food that are lacking in soylent, or something critical missing, That's definitely something I think about. (Including people) animals and plants have evolved together for so long. This was my first reaction. As...
by diasurfer
Mon May 05, 2014 2:20 pm
Forum: Personal Consumer Issues
Topic: caribbean cruise with children
Replies: 29
Views: 2832

Re: caribbean cruise with children

Wow I just clicked the link to price Disney cruises for my family of 5 and encountered some serious sticker shock! I'm sure the kids would love it though, and the wife has been pushing for it. But ouch.
by diasurfer
Fri May 02, 2014 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Yet another question on "tilting" a portfolio
Replies: 10
Views: 1350

Re: Yet another question on "tilting" a portfolio

I don't think it really matters very much, as far as which exact funds you use, and the exact percentage. Some of the most-discussed old threads on this forum by TrevH and Rodc show how there are many similar tilting roads to Dublin. What combination will work out the best is only known in hindsight...
by diasurfer
Fri Apr 25, 2014 6:34 pm
Forum: Personal Consumer Issues
Topic: College Competition [locked]
Replies: 41
Views: 8759

Re: College Competition

In the state of Texas, the state flagship universities admit students who are in the top 7% of their 2014 class ranked by GPA. http://bealonghorn.utexas.edu/freshmen/decisions/automatic-admission Some parents in Texas send their kids to lower performing schools to guarantee that their kids meet the...
by diasurfer
Fri Apr 25, 2014 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 163
Views: 45458

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

Like geology and Montana huh? Work for 14 more months to add to nest egg and keep wife happy. During this time, apply to graduate schools in Montana in geology You know, I really like this idea and I've thought about it before in broad generalities but never followed through with it. I'll have to i...
by diasurfer
Thu Apr 24, 2014 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 163
Views: 45458

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

My stepdad is an attorney. He stopped working for several years (10?) while he and my mom moved to a rocky mountain state. Eventually he went back to the home state, and takes a few select cases here and there to keep himself busy and add to the nest egg. "Early retirement" has a flexible meaning .....
by diasurfer
Thu Apr 24, 2014 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a bad move to buy a home now?
Replies: 34
Views: 8162

Re: Is it a bad move to buy a home now?

Nobody knows which way the market is going. When I was a young single professional making good money and living in Hawaii, I passed on buying my first home around 2004 because (1) prices just seemed so ridiculous compared to what my family in Texas paid for houses (~3x as much) (2) prices had recent...
by diasurfer
Thu Apr 24, 2014 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 163
Views: 45458

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

Like geology and Montana huh? Work for 14 more months to add to nest egg and keep wife happy. During this time, apply to graduate schools in Montana in geology or even archaeology and make sure you let them know you'll be paying your own way so don't need a teaching or research assistantship. Enroll...
by diasurfer
Thu Apr 24, 2014 8:50 am
Forum: Investing - Theory, News & General
Topic: Lottery value more than 4 times all possible tickets
Replies: 13
Views: 2855

Re: Lottery value more than 4 times all possible tickets

Have you looked into Ohio's rules about mass ticket purchases?
by diasurfer
Thu Apr 24, 2014 8:37 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 106665

Re: Mr. Money Mustache: Hero or Foolish?

In fact, he makes a point worth considering. Maybe one of us should quit so we can move closer to the other job and pull our kids out of daycare. I like reading things which challenge my conceptions. I'm no MMM defender but the above is what I find appealing about his site/philosophy. I think peopl...
by diasurfer
Wed Apr 23, 2014 11:47 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 106665

Re: Mr. Money Mustache: Hero or Foolish?

There's no room for someone who wants to work at a high paying job and retire *somewhat* early and live on $80k a year. But aren't there already plenty of outlets catering to these people? Personally I like the guy and think his overall message is a good one. (I wasn't aware of his blog until comin...
by diasurfer
Fri Feb 14, 2014 9:20 am
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 11597

Re: Raising kids in a small town vs. big city/suburbs

I think it was great that I grew up in the city in a time when it was pretty safe as a farily young girl to be out and about on her own and using public transportation. today not so much. You would be the first person I have ever heard say that the city is more dangerous now of everyone I know who ...
by diasurfer
Thu Feb 13, 2014 1:20 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 11597

Re: Raising kids in a small town vs. big city/suburbs

I grew up in NYC in the 60'/70s and rode the busses and subways with friends by time I was 10 and alone by time I was maybe in 8th grade. ... I think it was great that I grew up in the city in a time when it was pretty safe as a farily young girl to be out and about on her own and using public tran...
by diasurfer
Wed Feb 12, 2014 4:24 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 11597

Re: Raising kids in a small town vs. big city/suburbs

I grew up in NYC in the 60'/70s and rode the busses and subways with friends by time I was 10 and alone by time I was maybe in 8th grade. ... I think it was great that I grew up in the city in a time when it was pretty safe as a farily young girl to be out and about on her own and using public tran...
by diasurfer
Wed Feb 12, 2014 2:31 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 11597

Re: Raising kids in a small town vs. big city/suburbs

I think kids face extra challenges if they live in a very rural area, or in a very large city (assuming their parents are not especially wealthy). Anecdotes: I've known people who had a hard time leaving the farm, and people who never really moved beyond the fact that they grew up on the Lower East ...
by diasurfer
Mon Jan 27, 2014 10:49 am
Forum: Personal Consumer Issues
Topic: How to buy a car.
Replies: 23
Views: 5234

Re: How to buy a car.

I didn't email 40 dealerships because so many of them don't provide an email address. They require you to submit a request on a webpage before you get a reply you can work with. But anyway, I contacted pretty much every Honda dealer in south and central east coast florida and used the internet negot...
by diasurfer
Thu Jan 16, 2014 9:59 am
Forum: Investing - Theory, News & General
Topic: 3 fund portfolio vs. slice and dice
Replies: 39
Views: 5089

Re: 3 fund portfolio vs. slice and dice

I'm laughing that folks believe that slice-and-dice is complex and takes lots of time, perhaps spreadsheets and maybe even running regressions. And the dozen of funds? That is so advisor-motivated and from the 1980's. Modern slice-and-dice seems to be a 5-fund portfolio. Consult the TrevH thread(s)...
by diasurfer
Tue Jan 14, 2014 4:58 pm
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 62
Views: 13992

Re: 8 hour layover in Honolulu. How to use time.

Just saw this http://www.usatoday.com/story/experience/beach/north-shore/2014/01/14/experience-oahus-north-shore-hawaii/4475695/ So is it reasonable to drive up to this area on H2 99 83 (?) and then go back the same way, rather than continuing around in a loop that goes down the East coast? Yes thi...
by diasurfer
Mon Jan 13, 2014 11:12 am
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 62
Views: 13992

Re: 8 hour layover in Honolulu. How to use time.

I lived there 10+ years and am trying to move back. Dont' consider myself an expert but I have my opinions. I would second the idea of picking up a rental car (arranged in advance) and taking a loop around the SE part of the island. H1 - don't stop in Honolulu - to Kam hwy and make Hanauma Bay your ...
by diasurfer
Mon Sep 30, 2013 12:56 pm
Forum: Personal Consumer Issues
Topic: An investment in CO (climbing)
Replies: 18
Views: 2247

Re: An investment in CO (climbing)

Cool! thanks for posting.
by diasurfer
Tue Sep 10, 2013 2:59 pm
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 44
Views: 8274

Re: Those silly lotion containers

We paid $25 (just the co-pay) for some special lotion prescribed by a dermatologist for our child's eczema. We could only get one squirt of lotion out and then nothing until you completely removed the pump/lid and replaced. We finally poured the lotion out and found a latex glove in the bottom of th...
by diasurfer
Tue Sep 10, 2013 2:52 pm
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 10240

Re: Are you an Iphone or Android guy?

iPhone 4. I always liked my Nokia phones but 2+ years ago when I decided to get a smart phone that wasn't an option. It's fine for what I use it for. Changed the battery the other day, no big deal. Now I'm on a pre-paid monthly plan to save some bucks. Eventually I'll get something else when I get w...
by diasurfer
Thu Jul 25, 2013 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Recommended Percentage Savings
Replies: 18
Views: 3171

Re: Recommended Percentage Savings

Gross income as the denominator, all sources of savings in the numerator (I include matching contributions). I agree with MindBogler, especially the part about including the company match in your 401k plan. If you contribute 10% to your 401k and your company matches with 5%, you are saving 15%. It ...
by diasurfer
Tue Jul 23, 2013 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's more important - Term Life or Disability Ins?
Replies: 18
Views: 2369

Re: What's more important - Term Life or Disability Ins?

Personally I decided to go with term life. I have some DI with employer. A good DI policy is just so much more expensive, presumably because so many make claims. Most of us pick and choose were to take more relative risk in life, and forgoing DI is just where I chose to roll the dice.
by diasurfer
Fri May 17, 2013 3:21 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 33703

Re: How Much Did You Spend on Your Engagement Ring??

Some quite willing to question conventional behavior in some areas of modern life, but willfully compliant in other areas, particularly in the face of blatant marketing....just so interesting. Some? I submit that unless one is an ascetic monk living in a monastery, this is true of every American, c...
by diasurfer
Mon May 13, 2013 11:19 am
Forum: Investing - Theory, News & General
Topic: For those who have TSP accounts, how often do you rebalance
Replies: 15
Views: 1306

Re: For those who have TSP accounts, how often do you rebala

Quarterly. I finally learned to just leave it alone until the quarter rolled around. Most of TSP is in G fund, although new purchases are done according to AA (67/33 split). Once a quarter I shift most equities in TSP into G as part of rebalancing overall portfolio.
by diasurfer
Fri May 10, 2013 12:13 pm
Forum: Personal Consumer Issues
Topic: Is it important to frequently change passwords?
Replies: 37
Views: 3897

Re: Is it important to frequently change passwords?

This topic comes up frequently on the board. Since it is arguably part of financial security, it would be nice if the knowledgeable posters to this thread added a section to the bogleheads wiki about the various options for securing online passwords.
by diasurfer
Fri May 10, 2013 9:45 am
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 33703

Re: How Much Did You Spend on Your Engagement Ring??

My great grandfather, who farmed wheat and lived in a sod house for a number of years until he could purchase the wood to built a stick-built one, (but somehow managed to assist my grandfather in obtaining a law degree) would not be impressed. I love this statement. I wore my great grandmothers rin...
by diasurfer
Thu May 09, 2013 8:52 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 33703

Re: How Much Did You Spend on Your Engagement Ring??

If you just blank out all the numbers in Meg77's post (references to quantities of dollars and carats) and just read the rest of the words, then you'll find she basically nailed the feelings of the large majority of women. Of course there are exceptions ... bohemian types and boglehead types ... but...
by diasurfer
Thu May 09, 2013 3:48 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 33703

Re: How Much Did You Spend on Your Engagement Ring??

So, Debeers concocted and perpetuated a widespread marketing campaign that the masses willingly bought into? Amazing. I have been in the wrong business. BFG What business are you in? DeBeers is unique only because they pulled it off single-handedly, by virtue of monopoly. But there are few business...