Search found 1507 matches

by investingdad
Tue Apr 16, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6338

Re: What is your hobby and how did it come to be your hobby?

Chess online
Some video gaming, but not much... started with Atari
Learning the violin
by investingdad
Tue Apr 16, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17434

Re: Bogleheads, why won't anyone hire me?

I haven’t read all the replies and want to put more thought into a reply later, but I just wanted to say a few things. A. The job market is not as “great” as the stats make it sound. Most new jobs have been in retail and fast food. B. I agree it’s definitely who you know. And luck. C. My experience...
by investingdad
Mon Apr 15, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 5612

Re: What to see in Philly?

Forget all the touristy cheesesteak places. Dalessandro's in Roxborough is the best by far! Although Chubby's is pretty good and is right across the street and has fries. 100% true. NOBODY in philly thinks pats or Genos good. They are steak umm with cheese whiz. As for historical sights, see indepe...
by investingdad
Fri Apr 12, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17434

Re: Bogleheads, why won't anyone hire me?

I will repeat what I said earlier, I believe there is more to the story. If the OP has sent out his resume 200 hundred times over 4 years (which is only once per week, by the way) and recieved no job offers, there is something else going on. Why not try a temp agency? My wife has been struggling to ...
by investingdad
Thu Apr 11, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17434

Re: Bogleheads, why won't anyone hire me?

The fact that this topic already has 8,000 views just shows that many others are in the same boat and the bitter taste of the realities of the world in which we live. Now is a good time to apply to be a janitor. Nobody wants to touch the job with a 10ft pole now, but in the future when everyone els...
by investingdad
Thu Apr 11, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17434

Re: Bogleheads, why wont anyone hire me?

Yes, and to be honest its all factory jobs where I am at. Perhaps real estate agent is my turning point. Are you not willing to relocate to somewhere with jobs? I would, I just have a house here, which I have no problem renting out as that is the main purpose of it. I just dont want to move to rale...
by investingdad
Thu Apr 11, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17434

Re: Bogleheads, why wont anyone hire me?

Have you tried working with a recruiter or two? LinkedIn? Yes, and to be honest its all factory jobs where I am at. Perhaps real estate agent is my turning point. Are you not willing to relocate to somewhere with jobs? I would, I just have a house here, which I have no problem renting out as that i...
by investingdad
Mon Apr 08, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Dentist Question
Replies: 18
Views: 1483

Re: Dentist Question

You can search to find my tooth and implant story on here.

I highly recommend seeing specialists for anything that can be specialized.

For root canal, the endodontist.
by investingdad
Sun Apr 07, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Help me cross shop a new Nissan Maxima
Replies: 13
Views: 746

Help me cross shop a new Nissan Maxima

After driving stick shift for 25 years, I purchased a V6 Nissan Maxima in 2013. This was largely at the behest of my wife who cannot drive standard shift. I really like the Maxima and I will stay with a V6 for my next car. I also prefer cloth seats over leather. I'm planning to purchase a new car in...
by investingdad
Wed Apr 03, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: I think we're FIRE in 8 or 9 years, feedback?
Replies: 15
Views: 2107

Re: I think we're FIRE in 8 or 9 years, feedback?

Thesaints wrote:
Wed Apr 03, 2019 7:22 am
The 4% rule, which is what you are using, is not that safe over 40 years. In fact, it is even less safe when you account for the fact that there is two of you.
I'm not using 4%.

My model is based on 3.25%.
by investingdad
Wed Apr 03, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated the benefits of a raise relative to earlier retirement
Replies: 2
Views: 419

I evaluated the benefits of a raise relative to earlier retirement

For fun, I created a spreadsheet to determine how much earlier we could retire based on a higher salary. Basically, I created my list of inputs and basis given our current financial situation and then made the following, controlling assumption: 100% of every dollar from a hypothetical raise is inves...
by investingdad
Wed Apr 03, 2019 6:01 am
Forum: Personal Consumer Issues
Topic: Which Jura Super Automatic Coffee Machine and any sales?
Replies: 12
Views: 941

Re: Which Jura Super Automatic Coffee Machine and any sales?

Here is the one I have but I got a better deal https://upscalecoffee.com/collections/home-small-office-automatic-machines/products/jura-z8 Swiss made. We also bought separate milk container/ cooler that connects to z8 Nice. They're not cheap. But our first one made 12000 or 14000 espresso shots ove...
by investingdad
Tue Apr 02, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Which Jura Super Automatic Coffee Machine and any sales?
Replies: 12
Views: 941

Re: Which Jura Super Automatic Coffee Machine and any sales?

Jura is great, get Swiss made it you can, not China. Love ours.

Both of ours came from wholelattelove.com.
by investingdad
Mon Apr 01, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: I think we're FIRE in 8 or 9 years, feedback?
Replies: 15
Views: 2107

I think we're FIRE in 8 or 9 years, feedback?

I've been on BH for a number of years now but I haven't explicitly requested feedback on our finances in some time. So I'd like to see if others agree with my assessment of where we are. Goal: FIRE in 8 or 9 years. Age: 46 and approaching 46 Yearly portfolio contributions: 80k (includes company matc...
by investingdad
Fri Mar 29, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1000 hours in...
Replies: 212
Views: 32907

Re: Learning Violin as an adult...1000 hours in...

JupiterJones wrote:
Fri Mar 29, 2019 4:30 pm
Saw this article today. Reminded me of this thread:

http://stringsmagazine.com/8-adult-amat ... p-playing/
Thank you for posting this. I totally identified with a lot of those folks and what they had to say.
by investingdad
Fri Mar 29, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1000 hours in...
Replies: 212
Views: 32907

Re: Learning Violin as an adult...1000 hours in...

I hear overall improvement, especially intonation. :thumbsup As you nail down the more technical aspects, do you find yourself concentrating more on tones? Absolutely. I rotate through a lot of different stuff (after completing the three String Builder books my teacher favors, we went right into th...
by investingdad
Fri Mar 29, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1000 hours in...
Replies: 212
Views: 32907

Re: Learning Instrument/Violin as an adult...2 Years Later

I recorded myself playing Simple Gifts and I'm happy with the fairly clean string crossings. I also like the increasing confidence in bowing that I hear. Intonation is also quite good! Thank you. I always like pointing out that it's the same violin when I post these because I think that shows the c...
by investingdad
Tue Mar 26, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1000 hours in...
Replies: 212
Views: 32907

Re: Learning Instrument/Violin as an adult...2 Years Later

I think I've probably crossed the 1000 hour threshold now as far as time spent learning/practicing the violin over the last 27 months. I recorded myself playing Simple Gifts and I'm happy with the fairly clean string crossings. I also like the increasing confidence in bowing that I hear. Granted, a ...
by investingdad
Sat Mar 23, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5016

Re: Do you still wear a necktie to work?

Nobody in my megacorp division office of hundreds of people wears a tie to work except for this one weird guy who is always way overdressed for whatever reason even though he has a job on the lower end of the salary grades. Senior management occasionally wears jackets but no ties. The last time I w...
by investingdad
Fri Mar 22, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: What consideration do you give to product reviews?
Replies: 23
Views: 1111

Re: What consideration do you give to product reviews?

I often look at the 1 star reviews on Amazon. You need to filter out the stupid ones, however. They usually read like this, "Item was supposed to ship 2 day but took over a week. Then when I had questions, the customer service person was rude. Once I got it working I realized that I didn't know how ...
by investingdad
Tue Mar 19, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Musicians... do you play more than one instrument?
Replies: 11
Views: 385

Musicians... do you play more than one instrument?

For the musically inclined BHs, do you play more than one instrument? If so, what? And how did you pick up the next one? Was it easier or harder than the first? I ask because I recently purchased a not very expensive cello online, mostly on a whim. Some folks here may be aware (perhaps painfully so)...
by investingdad
Mon Mar 18, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Housing should be no more than 28% of your income.
Replies: 66
Views: 5790

Re: Housing should be no more than 28% of your income.

It was around 15% of our combined gross when we built in 2010. Last year, under 8%.
by investingdad
Sun Mar 17, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Espresso Maker 2019
Replies: 106
Views: 6388

Re: Espresso Maker 2019

Let me upvote a prior poster who mentioned Whole Latte Love for buying an espresso machine. We got our first Jura fully automatic from them about 10 years back. It was a nearly new, open box return that worked flawlessly. We bought a new replacement from them about a year ago because their service a...
by investingdad
Sat Mar 09, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 69
Views: 10096

What are your personal experiences with downside of early retirement?

Who can share personal experiences on the downsides of early retirement? Let me share mine, though it's not quite what you think. I'm working on a difficult project at work, way over my head. No roadmap on this one. I basically direct and guide the engineering team and then pull their work together....
by investingdad
Sat Mar 09, 2019 7:06 am
Forum: Personal Consumer Issues
Topic: Espresso Maker 2019
Replies: 106
Views: 6388

Re: Espresso Maker 2019

I'm a big fan of the Jura Capressa fully automatics made in Switzerland. Our first one died after ~13000 shots were made. We now have a second.
by investingdad
Fri Mar 01, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Investing in a dental implant & Vetting and questions to ask?
Replies: 47
Views: 3633

Re: Investing in a dental implant & Vetting and questions to ask?

OP, So I just had my implant placed yesterday. I opted for twilight sedation and I had a very fast recovery post procedure. I'm a little swollen this morning but not much discomfort at all, just my soft palate where the original abscess and subsequent bone graft was is a bit tender. Oral surgeon sai...
by investingdad
Wed Feb 20, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Advice for young teen with Perfectionism
Replies: 22
Views: 1361

Advice for young teen with Perfectionism

So this is about my daughter. She's almost 14 (yikes) and is of very high intelligence. She's self motivated, organized, and sets and strives to reach her goals. Straight A student since forever. She plays soccer but knows it's not a strength. She also plays the flute and that is a strength, more on...
by investingdad
Mon Feb 18, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7528

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

Bad year on the trading desk..didn't hit our targets. Bonus is only 40k so I might only see a little over 20 after tax withholdings. So basically not enough money. You're some junior on a trading desk? Forget the A6 bro. Don't be the guy who gets paid the least but drives one of the "nicest" cars. ...
by investingdad
Sun Feb 17, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: First thing(s) you'd do when you achieve financial independence?
Replies: 73
Views: 5933

Re: First thing(s) you'd do when you achieve financial independence?

I doubt our lifestyle will change at all. It just means I won't be working to support it.

It's not like winning the lottery.
by investingdad
Sun Feb 17, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7528

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

I'll be honest, what jumped out the most was: - 25m - buy a 50k car - saver my entire life - 25m The truth is, with that kind of salary at 25, this guy could go hardcore with REAL savings for the balance of his 20s and in a decade be sitting on some actual money. My advice is do whatever you want as...
by investingdad
Tue Feb 12, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4171

Re: Seller is an expert, but may be lowballing themself, advice?

And to close out this topic, I recorded one of the easier Handel pieces I've been practicing for awhile now with new-to-me bow in hand.

https://drive.google.com/file/d/1B09QGg ... p=drivesdk

For a phone recording, it's not too bad when listening with earphones.
by investingdad
Sat Feb 09, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4171

Re: Seller is an expert, but may be lowballing themself, advice?

Conclusion. So I went to the luthier to get my bow and I asked if he was sure about the price. His paraphrased response was this. Because the stamp is worn off from use it's impossible to say where it came from, but that it most certainly is a copy of something else. Had it not been repaired in the ...
by investingdad
Fri Feb 08, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Investing in a dental implant & Vetting and questions to ask?
Replies: 47
Views: 3633

Re: Investing in a dental implant & Vetting and questions to ask?

Thanks. I asked and my oral surgeon told me that mine would be absorbed. It was granular. I'm only guessing it may have mixed with something like water for injection so he could pack it in effectively. I found little particles in my mouth for the next few weeks, but not too many. If it was from a hu...
by investingdad
Fri Feb 08, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Investing in a dental implant & Vetting and questions to ask?
Replies: 47
Views: 3633

Re: Investing in a dental implant & Vetting and questions to ask?

I believe the graft material is eventually absorbed as bone replaces it, it's inorganic and not organic, but it doesn't stay behind.

Docs... correct me if I'm wrong.
by investingdad
Fri Feb 08, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4893

Re: Mazda Miata as Daily Commute Fun Car?

None of those reasons. It's the harsh ride. You don't get impressive handling with a soft suspension. After awhile it gets very tiring. People who've never driven a sports car sometimes think you just glide over rough roads when in reality it's the opposite, you feel all of it. In fairness though, ...
by investingdad
Fri Feb 08, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4171

Re: Seller is an expert, but may be lowballing themself, advice?

I'm not looking for any others at this point. As soon as I tried it, it felt completely comfortable, balanced, and connected to the strings in a way I hadn't realized was possible. I was borrowing it for almost a month. I tried some others and, frankly, just want to get it back.
by investingdad
Fri Feb 08, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4171

Re: Seller is an expert, but may be lowballing themself, advice?

He has old bows to lend out as part of his repair business but probably doesn't know valuation of each individual one off the top of his head since he's new to the business (and the business of upselling). The issue you are having is because of the 4k valuation on the paperwork you had to sign to b...
by investingdad
Fri Feb 08, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Investing in a dental implant & Vetting and questions to ask?
Replies: 47
Views: 3633

Re: Investing in a dental implant or ?

OP Here - Thanks for all the advice! My family member went ahead with the consultation, but wasn't quite satisfied with the dentist's answers to some of her questions - she said he bypassed some of the questions she had that she thought were important (like: success rate? continuing education? wher...
by investingdad
Fri Feb 08, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4893

Re: Mazda Miata as Daily Commute Fun Car?

Of course this is all opinion, but I would be looking at a Civic SI or VW GTI before I considered a Miata. I don't view those as sports cars or fun to drive. They seem more like a scooter (fun to ride but not wanting to be seen on one!). What an asinine comment. Go to a club track meet and see whic...
by investingdad
Thu Feb 07, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4893

Re: Mazda Miata as Daily Commute Fun Car?

Piggybacking on this topic as I think I have a relevant question- To those of you who don't think it would be a good commuter car, what part of the Miata is the biggest drawback? -Convertible (noise concerns, not a lot of space) -Manual transmission (hassle driving in traffic) -Size/weight (safety ...
by investingdad
Thu Feb 07, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4893

Re: Mazda Miata as Daily Commute Fun Car?

Of course this is all opinion, but I would be looking at a Civic SI or VW GTI before I considered a Miata. I don't view those as sports cars or fun to drive. They seem more like a scooter (fun to ride but not wanting to be seen on one!). What an asinine comment. Go to a club track meet and see whic...
by investingdad
Thu Feb 07, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4171

Re: Seller is an expert, but may be lowballing themself, advice?

That's pretty much how it went. Granted, elapsed time was about five weeks...as I had said bow while he was away for a few weeks. Before I borrowed it, he pointed out that it had been repaired at some point in the past. He showed me where a crack had developed in the tip and the sign of the repair ...
by investingdad
Thu Feb 07, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4171

Re: Seller is an expert, but may be lowballing themself, advice?

I've already tried other bows and I'm just comparing them mentally to the one in question at this point. And the repair was pointed out to me before I even played it. Heck, he even said the bow will never be worth what it could be worth as a result. Like I said, it feels like he talked himself down ...
by investingdad
Thu Feb 07, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4171

Re: Seller is an expert, but may be lowballing themself, advice?

That's pretty much how it went. Granted, elapsed time was about five weeks...as I had said bow while he was away for a few weeks. Before I borrowed it, he pointed out that it had been repaired at some point in the past. He showed me where a crack had developed in the tip and the sign of the repair w...
by investingdad
Thu Feb 07, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4171

Seller is an expert, but may be lowballing themself, advice? (Audio added)

Edit... added a recording using awesome bow at the back of the. thread. Ok, here is the story. I've been playing the violin now for just over two years. I've only gone to one violin shop, a sole proprietor. It's just him running his luthier shop and he's on the younger side but well received in the ...
by investingdad
Mon Feb 04, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 4893

Re: Mazda Miata as Daily Commute Fun Car?

I have an 04 Miata I bought new. I rarely drive it but don't want to sell it. It was intended to be a sports car and it is. That means it's not fun on long highway drives, has a punishing ride, and it's noisy. And it's small. Great things if you're driving it as intended, not so great for a commuter...
by investingdad
Thu Jan 31, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy lady backs into my car...don't think she will pay me out of pocket
Replies: 103
Views: 9905

Re: Crazy lady backs into my car...dont think she will pay me out of pocket

File the claim with her insurance company and then let yours know that you have done so.
by investingdad
Wed Jan 30, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Saying hello and hoping for guidance
Replies: 95
Views: 5119

Re: Saying hello and hoping for guidance

Zander called me, they are really great, they helped me with the insurance questions and we are set up to be interviewed and my husband needs a physical. Thanks for everyone's help on that. Check out term4sale.com to make sure the term life insurance quotes you're getting are competitive. I would t...
by investingdad
Tue Jan 29, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Saying hello and hoping for guidance
Replies: 95
Views: 5119

Re: Saying hello and hoping for guidance

Your family is of quite modest financial circumstances when compared with many others on this forum. But with care and thought (you coming here proves you want to be conscientious about your financial lives) you can make this work out. I have done a lot of reading on here and know I'm not working w...
by investingdad
Tue Jan 29, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Saying hello and hoping for guidance
Replies: 95
Views: 5119

Re: Saying hello and hoping for guidance

By every measure, your income appears to exceed your expenses and taxes. Just doing the math on what you provided, with a 40% tax rate you should still be saving 10k a year. I'm guessing your husband is missing at least 2k a year in free money by not maxing 401k and getting company match. A 4% match...