Search found 4599 matches

by Pajamas
Mon Apr 23, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Nomadic lifestyle in their 50s
Replies: 31
Views: 1991

Re: Nomadic lifestyle in their 50s

Wasn't SF housing market too expensive in 2008 ? Certainly the perfect time to cash in, as it looked ready to blow. It did blow and if you had sold back then you would be kicking yourself today for having missed on a ≥100% appreciation. Stock market has more than doubled since then, too. If you sol...
by Pajamas
Mon Apr 23, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 35
Views: 3069

Re: Salary Negotiation gone sour

Do most companies that rescind an offer tell you that you are an excellent candidate and they want to hire you for the next role that opens up? Not if they are only willing and/or able to offer you a salary that you already declined to accept twice. I would take that comment as something a nice per...
by Pajamas
Mon Apr 23, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 35
Views: 3069

Re: Salary Negotiation gone sour

My experience from both sides, employee and hiring manager. Unless you are an exceptional candidate or the need is great. It is not so much a negotiation as it is, Offer -> Counter Offer -> Final Offer. The candidate only has their own decision to make. Companies are different. Once you start jerki...
by Pajamas
Mon Apr 23, 2018 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Nomadic lifestyle in their 50s
Replies: 31
Views: 1991

Re: Nomadic lifestyle in their 50s

Niemanterry wrote:
Mon Apr 23, 2018 5:21 pm
I am a bit fascinated by the old guy who “lives” on a cruiseship. Some articles paint him as always on the ship. I came accross an interview with him. He moves around different ships within the same cruiseline.
There's always this:

http://aboardtheworld.com/

but not for $100k a year.
by Pajamas
Mon Apr 23, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Nomadic lifestyle in their 50s
Replies: 31
Views: 1991

Re: Nomadic lifestyle in their 50s

You can travel all over the world very comfortably on $100k a year. Lots of people about your age do it for significantly less without adopting the standards of a young backpacker sleeping in hostels. If you are going to go nomad, carefully consider which state you choose as your home base for tax r...
by Pajamas
Mon Apr 23, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 35
Views: 3069

Re: Salary Negotiation gone sour

So they consistently offered $85k base salary but were willing to offer you a higher bonus based on your performance but pulled the offer in favor of an internal candidate. It could be that they didn't have the flexibility with the salary range that they hoped for or it could be that you were asking...
by Pajamas
Mon Apr 23, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 11
Views: 648

Re: Question charging smart phones

Check the manual and see what it recommends. You might consider not using the superfast chargers and also minimizing battery drain through software settings to prevent the need to recharge so often and extend the battery life. Lots of tips are available on the internet about how to minimize drain fo...
by Pajamas
Mon Apr 23, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Experience with wood countertops for kitchen / wet bar ?
Replies: 7
Views: 475

Re: Experience with wood countertops for kitchen / wet bar ?

If you are using a good quality, prefinished wooden countertop manufactured by a reliable company in a basement wet bar that will see only occasional usage, you should be fine. I would be hesitant to use a wooden countertop in a kitchen or bathroom that got heavy use but they are fine even then. It ...
by Pajamas
Mon Apr 23, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Identity Theft and Minors
Replies: 5
Views: 304

Re: Identity Theft and Minors

You could ask the credit bureaus to check to see if anyone has used your children's Social Security numbers to commit fraud and then repeat that in the future. Not much else you can do for them.

See here for more information:

https://www.consumer.ftc.gov/articles/0 ... tity-theft
by Pajamas
Mon Apr 23, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 15
Views: 958

Re: What to do with extra 50k? Still struggling.

I would be inclined to hold back 10% for fluidity and invest $45k since I would expect returns better than 3% over the long run. Being able to borrow money at 3% is a good deal. You might ask yourself what you would have done if you had had the $50k when you took that mortgage out. Would you have p...
by Pajamas
Mon Apr 23, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Emailed Vanguard Survey from "GfK". Possible spam or phishing?
Replies: 15
Views: 748

Re: Emailed Vanguard Survey from "GfK". Possible spam or phishing?

If you call Vanguard, the rep who answers the phone will probably not have any idea what you are talking about. I would call GfK directly to inquire about it. They could tell you who to talk to at Vanguard to confirm that it is legitimate. Phone: (212) 240-5300 I do participate in consumer research ...
by Pajamas
Mon Apr 23, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra 50k? Still struggling.
Replies: 15
Views: 958

Re: What to do with extra 50k? Still struggling.

I would be inclined to hold back 10% for fluidity and invest $45k since I would expect returns better than 3% over the long run. Being able to borrow money at 3% is a good deal. You might ask yourself what you would have done if you had had the $50k when you took that mortgage out. Would you have pu...
by Pajamas
Mon Apr 23, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 41
Views: 2207

Re: Building a New Home (Talk me out of it!)

2) While perhaps counterintuitive, it is harder for me to justify spending $1.2 million to build the exact same home to live in for the next 15-20 years where the only difference is that I have an extra 100 feet depth of backyard. Then it seems like it would be even harder to justify spending more ...
by Pajamas
Mon Apr 23, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8029

Re: Boglehead Philosophy Open To Change?

Here is 1 of the first videos I watched on dividend investing by Kevin O'Leary. I think this is a great video. https://www.bing.com/videos/search?q=kevin+o%27leary+on+dividends&&view=detail&mid=50E4B3DF7871196E190550E4B3DF7871196E1905&&FORM=VRDGAR That is a promotional video for his ETF company.
by Pajamas
Mon Apr 23, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Life Settlement - Term insurance
Replies: 12
Views: 624

Re: Life Settlement - Term insurance

No cash surrender - I did not expect there was (but I checked). The ad I saw about settlement suggested they could work with a term policy. Perhaps that is not the only thing that was not properly represented... Sounds like they would give you some money and then make the payments on the policy and...
by Pajamas
Mon Apr 23, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Life Settlement - Term insurance
Replies: 12
Views: 624

Re: Life Settlement - Term insurance

Does your policy have a cash surrender value?
by Pajamas
Mon Apr 23, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 41
Views: 2207

Re: Building a New Home (Talk me out of it!)

Sounds to me that what you really want is someone to talk you into buying the lot and building a big house. There is no reason you couldn't buy the lot and build a house just like the one you have now. You seem to be creating the "necessity" of building a big house on the lot yourself. Your wife jus...
by Pajamas
Mon Apr 23, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 15
Views: 989

Re: Buying a home with water damage

Why do they want to do the construction themselves? Especially if you get to choose the finishes? Do they stand to gain something at your expense? Are they just concerned that a buyer won't be able to easily get a mortgage on a damaged house? Seems like once they fix it up there is a discount becaus...
by Pajamas
Mon Apr 23, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Rebating buyer's agent for 1st time single-family home purchase
Replies: 19
Views: 783

Re: Rebating buyer's agent for 1st time single-family home purchase

Do you need a real estate agent at all? How are closings usually handled in your state? Where I live, lawyers are required for closing but no real estate agents at all were involved at any point when I bought my apartment. (It was a FSBO listing.) In other states, the title company might be heavily ...
by Pajamas
Mon Apr 23, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 32
Views: 3091

Re: In-laws financial advisor rip off

Why don't you offer to be their financial advisor at no charge to them? 8-)
by Pajamas
Mon Apr 23, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 2684

Re: Coffee maker recommendations

Hyperborea wrote:
Mon Apr 23, 2018 10:06 am

I recommend a bathrobe and a stair climbing mobility scooter.

Image
That thing looks like it should have a coffee maker and microwave as optional features. I want one!
by Pajamas
Mon Apr 23, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8029

Re: Boglehead Philosophy Open To Change?

Pajamas, Sorry, Yield On Cost. I've been in my funds for a couple of years now. When I first invested the SEC yield was 3%. (so my starting yield was 3%). However, the dividend growth has been approx. 8%. Dividend funds make money by the share price going up also by the dividend growth. Currently, ...
by Pajamas
Mon Apr 23, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Website will not allow sign out or log off? How to safely end session?
Replies: 14
Views: 798

Re: Website will not allow sign out or log off? How to safely end session?

I updated the original posting. This is an iMac - she thought leaving an open session on her computer would pose a security risk in some fashion. She diligently logs off any financial program she uses - never thought it "safe" to simply close the browser. It's not safe if it's a public computer tha...
by Pajamas
Mon Apr 23, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Website will not allow sign out or log off? How to safely end session?
Replies: 14
Views: 798

Re: Website will not allow sign out or log off? How to safely end session?

I'm not sure how to answer this question. My sister signed into an association website to order a course. Course order went through fine, but she cannot log off the account. I've seen her try and the sign out link simply doesn't work. She's using FireFox - privacy mode. It's a live link and it's be...
by Pajamas
Mon Apr 23, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8029

Re: Boglehead Philosophy Open To Change?

snarlyjack wrote:
Mon Apr 23, 2018 10:11 am
I 'am totality focused on what I' am doing...
It certainly seems that way, based on that sentence and the fact that you ignored a legitimate question that I asked you yesterday upthread after you asked people to watch a video supporting your ideas that was almost ten minutes long.
by Pajamas
Mon Apr 23, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Shrub removal - Village/HOA permits needed?
Replies: 11
Views: 739

Re: Shrub removal - Village/HOA permits needed?

No one could possibly answer you correctly without knowing the village and HOA rules and regs. Contact them and ask for copies if you don't already have copies and they are not available on the internet. The situation you are describing doesn't seem to constitute "an imminent danger to the health, s...
by Pajamas
Mon Apr 23, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Coffee maker recommendations
Replies: 41
Views: 2684

Re: Coffee maker recommendations

I will probably catch flack for this, but I just am not a fan of Keurigs. Neither is their inventor: https://www.theatlantic.com/technology/archive/2015/03/the-abominable-k-cup-coffee-pod-environment-problem/386501/ “I don't have one. They're kind of expensive to use,” John Sylvan told me frankly, ...
by Pajamas
Mon Apr 23, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Recent grad looking to safeguard his earnings and invest (MEX) I know this is a US-centric forum but hear me out.
Replies: 10
Views: 672

Re: Recent grad looking to safeguard his earnings and invest (MEX) I know this is a US-centric forum but hear me out.

If you go to a large national or international bank such as BBVA Bancomer, Banamex, Santander, etc., you can open an account in US dollars. A brokerage firm would allow you to buy index funds and similar investments but I am not familiar with Mexican brokerage firms. There are a couple of older thre...
by Pajamas
Mon Apr 23, 2018 1:25 am
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 22
Views: 1829

Re: How long does a will last?

Yes all that looks fairly normal, with some additional assets discovered near the end of the year, causing a delay, and now you see why your girlfriend's sister got nasty when she was asked about where the money is. Often the executor is entitled to payment for all that work but frequently family me...
by Pajamas
Sun Apr 22, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: How long does a will last? [Time to settle the estate]
Replies: 22
Views: 1829

Re: How long does a will last?

If it went to probate, it seems that there is a six month period for creditors to file claims in Ohio, so it could easily take nine months or a year. If it did go to probate, the executrix is at least nominally under the supervision of a probate judge to ensure that the will is executed properly. ht...
by Pajamas
Sun Apr 22, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Changing Lifestyle
Replies: 68
Views: 7003

Re: Inheritance Changing Lifestyle

Did I just read you inherited $5M and you are upset your wife bought new pots and pans? :shock: :oops: I didn't interpret it that way, seems like he is more worried about the clutter: Good example about me begrudging a wife a new set of pots... as essentially that was a real example! I was actually...
by Pajamas
Sun Apr 22, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Banking question and annutities
Replies: 4
Views: 239

Re: Banking question and annutities

I bank at Chase and I have what's called a private client status. This allows me to bank free of fees. The only problem is that I have a large savings there which is collecting almost no interest. My banker suggested I place half of my Chase savings in a 4 year fixed annuity at 2.85%. He told me th...
by Pajamas
Sun Apr 22, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 64
Views: 4456

Re: Settlement Offer -- Accept or Wait?

That does seem low. For my local area, I have an actual bill for 2017. Basic emergency service: $1,377.05 + $8 / mile Insurance paid: $1,239.75 Out of pocket payment: $149.15 Why don't you call the ambulance service and ask them what they charge? Give that info to the lawyer and let him deal with i...
by Pajamas
Sun Apr 22, 2018 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Investing to buy first home
Replies: 5
Views: 439

Re: Investing to buy first home

Welcome to Bogleheads. You might want to start here: https://www.bogleheads.org/wiki/Getting_started Money earmarked for a particular spending purpose such as buying a house in the near or intermediate future is better saved in something such as a money market account or CDs so the principal is not ...
by Pajamas
Sun Apr 22, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 8029

Re: Boglehead Philosophy Open To Change?

snarlyjack wrote:
Sun Apr 22, 2018 1:24 pm
"Yield On Cost"
Why would you care about the yield based on what you originally paid vs. the current yield base on current value? Of what use is that?
by Pajamas
Sun Apr 22, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Fairly New to BH, Portfolio Advice and general questions
Replies: 5
Views: 454

Re: Fairly New to BH, Portfolio Advice and general questions

Welcome to Bogleheads. I would suggest that you start reading here: https://www.bogleheads.org/wiki/Getting_started#Asking_questions I linked to the "Asking questions" section because it gives a link to information about what information to include in your post to get the best advice. For instance, ...
by Pajamas
Sun Apr 22, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10731

Re: Is Los Angeles a good place long term to live financially?

OP, We moved from Chicagoland to LA last year with the intention of living the rest of our lives here. LA is definitely more expensive than Chicagolandia, but we are a 2-physician household and have already been saving for a while. So we came to LA with a lot of "ammo" in our arsenal, so to speak. ...
by Pajamas
Sun Apr 22, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 27
Views: 2415

Re: Master Bath remodel price?

We remodeled our kitchen and 2 baths in the Bay Area for 33,000.All new cabinets and a good amount of granite in the kitchen.New showers and vanities in both baths.New flooring in all 3.Medium grade materials and custom installs.You must have a huge kitchen,large baths and be doing some major chang...
by Pajamas
Sun Apr 22, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please
Replies: 6
Views: 492

Re: Portfolio Help Please

My thinking on which we hold in retirement vs. taxable accounts - the S&P 500 index and Total international index funds hold larger, more established companies. These companies generally pay higher dividends. By holding these funds in retirement accounts, the dividends are not immediately taxed, an...
by Pajamas
Sun Apr 22, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reits Rockymountain exposure
Replies: 2
Views: 211

Re: Reits Rockymountain exposure

That is throwing the baby out with the bathwater. It's not necessary to avoid REITs with properties in coastal cities entirely, just REITs that have properties that will flood during your investment horizon. REITs should be managing that risk, anyway. Check the annual reports. There has been at leas...
by Pajamas
Sun Apr 22, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Renting from potential in-laws?
Replies: 10
Views: 792

Re: Renting from potential in-laws?

Her unit was listed for 350k but now the realtor is willing to sell it to her parents for 280k. You left out option four, for no one to purchase it. I wouldn't buy at all if I were moving in two years and why should they buy it? There's certainly no guarantee that it would be worth more in two year...
by Pajamas
Sat Apr 21, 2018 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: 37th Parallel Properties
Replies: 6
Views: 914

Re: 37th Parallel Properties

Never heard of them but it is "direct fractional ownership" of apartment complexes open only to accredited investors. I wouldn't want to invest in something that isn't publicly traded, myself. Looks like they mostly buy old apartment complexes in need of upgrades. Also looks like their main business...
by Pajamas
Sat Apr 21, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 34
Views: 1741

Re: Medical alert "button"

Find out what devices are popular locally. You might contact the social work department at a local hospital or a services organization for older people to find out. However, I'm not so sure that a cell phone isn't just as useful these days. You should also consider having a physical or occupational ...
by Pajamas
Sat Apr 21, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 64
Views: 4456

Re: Settlement Offer -- Accept or Wait?

The adjustor wants you to settle as soon as possible for as little as possible so they can close the books on your case rather than having it open as an unknown liability. In a very similar situation, I insisted on having imaging studies done of my spinal column when I was taken to the emergency cen...
by Pajamas
Sat Apr 21, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Am I on the right track?
Replies: 6
Views: 792

Re: Am I on the right track?

How much do you have in retirement accounts? I would at least consider increasing contributions there and get the tax benefit and then would prioritize accumulating a down payment. In your shoes, I wouldn't be in any hurry at all to pay off student loans as a mortgage rate will be higher than 3% and...
by Pajamas
Sat Apr 21, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Basic PC - HP Pavillion All in One?
Replies: 23
Views: 946

Re: Basic PC - HP Pavillion All in One?

It got good reviews and has a total price of $680 shipped. I was not able to find a budget PC and monitor for a better price. Touchscreen is a coincidence. No gaming, video, or even browsing - use my iPad for all of that. My ipad has a bluetooth keyboard which makes it like a laptop for 99% of purp...
by Pajamas
Sat Apr 21, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Home owner's insurance
Replies: 6
Views: 561

Re: Home owner's insurance

I own a single family residence. Attached to the residence is an 'in-law quarters residence' which I rent out to a couple and their son. I recently received a bill for my home owner's insurance with its $900 increase. Should I maintain the home owner's insurance? Yes, unless you are able and willin...
by Pajamas
Sat Apr 21, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Basic PC - HP Pavillion All in One?
Replies: 23
Views: 946

Re: Basic PC - HP Pavillion All in One?

Can you give an example? Do you mean examples of displays and computers? Depends on your price range and needs. Sounds like you would use it more for business applications rather than gaming, browsing, video, etc.? The all-in-one you looked at also has a touch screen. Is that something you want or ...
by Pajamas
Sat Apr 21, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Can physician charity services (or expenses) be written off?
Replies: 10
Views: 837

Re: Can physician charity services (or expenses) be written off?

You can't deduct any contributions you made to (or designated for) a specific individual, only contributions made to qualified organizations.
by Pajamas
Sat Apr 21, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Decline an International Job Assignment
Replies: 23
Views: 1537

Re: Best Way to Decline an International Job Assignment

RollTide31457 wrote:
Sat Apr 21, 2018 9:16 am
Any advice on how to tactfully decline an international job assignment?
The same way you would decline any other job assignment. Tell the person who is making the assignment that you don't want it and ask what your options are.