Search found 1479 matches

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: 37
Views: 1867

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: 107
Views: 4696

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: 4082

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: 4082

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: 45
Views: 3357

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: 45
Views: 3357

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: 4745

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: 4082

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: 4082

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: 45
Views: 3357

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: 4745

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: 4745

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: 4745

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: 4082

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: 4082

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: 4082

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: 4082

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: 4745

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: 9816

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: 5010

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: 5010

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: 5010

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...
by investingdad
Tue Jan 29, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7059

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

I'm of the opinion that, "advisors suggest you'll need 80% of your pre retirement income", is based on people spending 100% of what they earn, or more, and not saving anything. Last year our expenses were 45% of our gross income. I look at it quite simply. My expenses are X. In retirement, my expens...
by investingdad
Tue Jan 29, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Saying hello and hoping for guidance
Replies: 95
Views: 5010

Re: Saying hello and hoping for guidance

To get real, meaningful input will require you to share some numbers. What is your total income and total expenses? How did you get into debt and is your spending going to put you back there? What is your total savings and how much is going into savings? Is there a pension, how much? The thing that ...
by investingdad
Sun Jan 27, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Investing in a dental implant & Vetting and questions to ask?
Replies: 45
Views: 3357

Re: Investing in a dental implant or ?

I'm in the middle of the process right now. A front tooth was broken as a kid. After the crown and root canal failed recently I developed an abscess without knowing it. The tooth was extracted and bone graft done. The graft is healing well and the implant is getting placed next month. Replacing a fr...
by investingdad
Sun Jan 27, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 162
Views: 21545

Re: Millionaire by 40 and How you Did it?

We hit target at 39. We started at zero but neither had college debt. Out of college, I was making 33k a year in 1996 and my wife in mid 40s. We both saved and invested as a priority. When we met and married in our late 20s we were already on the same page. Ten years late and there we were. We still...
by investingdad
Sat Jan 26, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 4393

Do you ever feel overpaid?

Not a typical question, do you think your overpaid for what you do? But there are times I've felt as such. I recently looked up salary statistics and per the math, I'm not overpaid at all. I'm a chemical engineer with a little over 20 years experience and compensation was over 130k this year. But ap...
by investingdad
Wed Jan 23, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Help needed: wife seeking new job to escape megacorp hell
Replies: 58
Views: 5610

Re: Help needed: wife seeking new job to escape megacorp hell

As others have stated your wife should move on. She actually stayed way too long and should be prepared to say why shedid stay so long - especially in the same job. Get out ASAP. The company helping her to get an MBA easily explains that. Bingo. I was in a similar situation early in my career. Howe...
by investingdad
Fri Jan 18, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 873
Views: 159290

Re: Boglehead Beer

Wiehenstephaner for sure.
by investingdad
Fri Jan 18, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 873
Views: 159290

Re: Boglehead Beer

When it comes to beer, I take a page from the old, white haired guy that built Jurassic Park in the movies...I spare no expense. I recently got a 4 pack of N'Ice Chouffe for about $20. The happy little forest gnomes on the label cleverly disguise the high ABV of this Belgian dark ale. Brasserie d'A...
by investingdad
Fri Jan 18, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 873
Views: 159290

Re: Boglehead Beer

When it comes to beer, I take a page from the old, white haired guy that built Jurassic Park in the movies...I spare no expense. I recently got a 4 pack of N'Ice Chouffe for about $20. The happy little forest gnomes on the label cleverly disguise the high ABV of this Belgian dark ale. It is really t...
by investingdad
Thu Jan 17, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 61
Views: 4940

Re: MMORPG games

I had a blast in one of the Fable iterations buying a shop as soon as I had enough money. Rather than play the main storyline, I became enamoured with building a business empire to create free cash flow and then buying bigger and bigger residences.
by investingdad
Wed Jan 16, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Violin beginner tries an Irish tune, comments welcome
Replies: 8
Views: 805

Re: Violin beginner tries an Irish tune, comments welcome

HoosierJim wrote:
Wed Jan 16, 2019 2:17 pm
First link goes right to a player and can be played.


Second link brings up a permission request screen.

Here's what it looks like.
Thanks, think I fixed it.
by investingdad
Wed Jan 16, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Violin beginner tries an Irish tune, comments welcome
Replies: 8
Views: 805

Violin beginner tries an Irish tune, comments welcome

As I start my third year on the violin, I thought I'd have a go at a few Irish tunes. Yikes. They are a lot harder than they look. I have a new respect for those old timer fiddlers cranking out tunes at the pubs. I also wanted to share how things are going audibly for me, with thanks to the BHs that...
by investingdad
Tue Jan 15, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4190

Re: How to buy business class tickets?

Since I only travel for work a handful of times a year, I've taken to upgrading to 1st class on my own dime. I have a round trip coming up in a few weeks that's 3.5 hours each way and it was $180 each way to bump to first. Sold. Please pass the cocktail and the meal. I figure we make more than enou...
by investingdad
Mon Jan 14, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 31
Views: 3656

Re: Another Home Affordability Thread

So 120k expenses...what will they be with the new home and taxes?

Sounds like it should be ok.
by investingdad
Sun Jan 13, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Another Home Affordability Thread
Replies: 31
Views: 3656

Re: Another Home Affordability Thread

I haven't seen where you show your expenses. My knee jerk reaction was your net seems on the low side with that income, which raises the question of expenses. How much are you spending and what will you be spending? As for the comment above about "you really only need a 2500 ft2 house", I find those...
by investingdad
Sat Jan 12, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4190

Re: How to buy business class tickets?

Since I only travel for work a handful of times a year, I've taken to upgrading to 1st class on my own dime. I have a round trip coming up in a few weeks that's 3.5 hours each way and it was $180 each way to bump to first. Sold. Please pass the cocktail and the meal. I figure we make more than enoug...
by investingdad
Thu Jan 10, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 61
Views: 4940

Re: MMORPG games

I'm 45 and enjoyed video games since Atari came out in the 70s. Really no different than watching any form of televised entertainment. Not an online fan, but enjoy RPGs... specifically the Assassin's Creed series, Mass Effect series, and Elder Scrolls... plus others. As a family we like the Nintendo...
by investingdad
Sat Jan 05, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 776
Views: 101348

Re: How much money do you want to retire?

I'm happy with our current lifestyle. Our expenses are between 120k and 130k. That includes two kids in the house. When they move out (both middle school age right now), I envision the same level of expenses which should give us a small lifestyle bump. I think 4.5 million will pay for that over a 4...
by investingdad
Fri Jan 04, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 5693

Re: Shoes to wear with jeans to the office?

I like Johnston & Murphy for nicer shoes.

I pair brown wingtips with jeans.
by investingdad
Fri Dec 28, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 36
Views: 2390

Re: Superautomatic espresso machines

We have a Jura F8. Our first Jura made 12,000 espresso shots per the counter before it failed beyond repair. The old one and this one are both Swiss made. Cleaning is easy, just follow the prompts. We buy gallon spring water to use. We bought a large container of cleaning tabs years back that we sti...
by investingdad
Thu Dec 27, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9476

Re: What common everyday inconvenience have you intentionally suffered for frugality?

never understood this. if you have the financial staples in order, hell you can hit Starbucks every morning and be just fine. life is too short to pinch frugality like that. I agree. My parents like to go on cruises, as do we. Over Christmas, my mom commented on how much she liked a certain drink I...
by investingdad
Wed Dec 26, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10240
Views: 1806500

Re: U.S. stocks in free fall

Crushtheturtle wrote:
Wed Dec 26, 2018 5:00 pm
"Worst Bear Market Ever!"

Image
The market will rise tomorrow if you can answer these questions three. Question the first...
by investingdad
Mon Dec 24, 2018 5:01 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11733

Re: Now is the time to REJOICE!

Frankly, I'm confused by the OP. Last month he posted about being down in one of his mutual fund holdings and was fretting and worrying about selling. Now he's rejoicing? Well... which one is it? And yes, I'm feeling irritated. Between the drop in our portfolio, the STUPIDITY in the Capitol, and the...
by investingdad
Mon Dec 24, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 11733

Re: Now is the time to REJOICE!

I admit, I'm starting to get annoyed at these types of posts. Here's the reality. At 45, my portfolio is down a few hundred grand as a result of the recent turmoil. My ratio was about 75/25 and I'm taking no actions. I didn't the last time either. We normally toss about 70k to 80k a year into the po...
by investingdad
Thu Dec 20, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10240
Views: 1806500

Re: U.S. stocks in free fall

So this is a what a free fall feels like? It doesn't bother me at all, even though we've lost tens of thousands of dollars from the peak a few months ago. Honestly, I'm actually kind of glad for us at all because this will allow us to DCA into the market at lower prices. I would be fine if the mark...
by investingdad
Wed Dec 19, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2716

Re: Tips for a cold bedroom above a garage?

This probably does not help you, but I am planning on finishing the rooms above our garage and plan to install radiant heat in the floor. If you doing any remodeling, I would look into that. Outside of that... is the garage insulated? Some people don't insulate the garage, but every bit to make the...
by investingdad
Fri Dec 14, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19726

Re: Favorite Purchase of 2018?

Another year of weekly violin lessons.
by investingdad
Fri Dec 14, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2630

Re: Potential New Home - Planes and Trains Noise

Our current home is three miles from the nearest tracks. But at night under certain conditions there's a low rumble upstairs for at least 5 minutes or more before the train passes whatever the inflection point is where it crescendos and stops. It took me a year to figure out what I was hearing. And ...