Search found 1629 matches

by investingdad
Thu Nov 21, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "do I need Umbrella insurance post?"
Replies: 12
Views: 453

Re: Yet another "do I need Umbrella insurance post?"

We pay ~$400 for a $5 million umbrella.

Unnecessary?

Maybe, but I don't need a lifetime of financial accomplishment undone as a result of some terrible event unfolding over the course of a few seconds.
by investingdad
Wed Nov 20, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 48
Views: 7175

Re: At What Point Did You Realize You Made It?

Hello Bogleheads Community, I am 33 years old with roughly $320,000 invested net worth, which does NOT include money put aside and designated for a car purchase in the next few years and a 20% house downpayment (sales price known/closing in 2020). I am currently a governmental employee and paying i...
by investingdad
Sat Nov 16, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 12115

Re: Best thing you have ever bought?

Putting aside the education and engagement ring comment, which are certainly true for me, and allowing for recency bias I would say violin lessons (plus my recently acquired violin and the bow I found last year).
by investingdad
Wed Nov 13, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 582
Views: 48042

Re: [What UN-frugal thing do you do? What do you splurge on?]

I know I'm resurrecting an old thread, but I just acquired a new-to-me violin that I absolutely love. Made in Mirecourt, France around 1900 or so... give or take a decade. Sounds amazing when I play it. About 9k, quite a bit more than the (not bad) student instrument I have.
by investingdad
Tue Nov 12, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Water hammer
Replies: 27
Views: 2117

Re: Water hammer

A hammer arrestor on the water main inlet is a pretty cheap install. A plumber will charge a few hundred bucks to install the whole thing. It solved our hammer issue.
by investingdad
Fri Oct 25, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 106
Views: 7411

Re: Have you ever purchased a pricy musical instrument?

I'm resurrecting this thread. After trying a lot of violins over the last two years with the luthier I go to (he let me borrow a lot with no time limits), I found one I liked immediately last month. Most of the ones I brought home would end up having one or two things I just didn't like. And I ended...
by investingdad
Wed Oct 23, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: 1st Time Homebuyer - Need Radon Contingency?
Replies: 11
Views: 1091

Re: 1st Time Homebuyer - Need Radon Contingency?

Our new home was 35 in the basement.

Mitigation system was less $1000 and dropped it to under 5.
by investingdad
Tue Oct 22, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Second Opinion for Dental Procedure/Cost (Crown)
Replies: 13
Views: 1371

Re: Second Opinion for Dental Procedure/Cost (Crown)

I will only add this, good dental work is worth a lot.

My front tooth extraction, post-abscess cyst cleanup, bone graft, dental implant, and crown was not cheap.

But it's done and everything feels good. Hard to go cheap on that for me.
by investingdad
Mon Oct 21, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: A fire next door caused water damage in my unit - Insurance question
Replies: 13
Views: 1584

Re: A fire next door caused water damage in my unit - Insurance question

If the claim is legit, there is ZERO reason to feel guilty about filing it. Insurance policies exist for this reason. The low premium reflects the low risk by the insurer, that's why it's so low. They know exactly the size of the claims they pay and set the policy accordingly. This is their business...
by investingdad
Fri Oct 11, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Cold feet - Radiant subfloor heating question
Replies: 26
Views: 2248

Re: Cold feet - Radiant subfloor heating question

We have a large master bathroom over the garage which is north facing. In the northeast, that means it gets COLD in there. We decided to tile the floor last summer, maybe 100 to 150 ft2? Anyway, no way that floor wasn't going to be heated. We used a Schluter electric system with programmable thermos...
by investingdad
Sat Sep 28, 2019 9:12 am
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4851

Re: How much cash do you keep in your HSA?

nps wrote:
Sat Sep 28, 2019 6:49 am
I invest it all. Zero cash.
Same.

It's an investment tax shelter that we'll tap later in life.
by investingdad
Fri Sep 06, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: How much do you tip ubereats?
Replies: 35
Views: 3007

Re: How much do you tip ubereats?

Never used them, but I tip the Dominos guy $5 flat in cash.
by investingdad
Wed Sep 04, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Financial review
Replies: 15
Views: 1452

Re: Financial review

We broke $1 mil at 39 and $3 mil this year at 46. I drive a Nissan.

So if you're at $2 mil at 40, I think it's looking pretty good.
by investingdad
Wed Aug 28, 2019 6:03 am
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 50
Views: 3249

Re: Used Sports Car

I don't think he'd find a "Fiata" for another few years. Too new. An NC is probably the best value (and ugliest in my opinion). Find an NB Mazdaspeed Miata (04,05 are the only years) which are factory turbo Miatas. Or an "M" Miata, which is fully decked out....for a Miata. There are some 124 spider...
by investingdad
Thu Aug 22, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 3909

Re: Best undergrad majors ahead of Law school?

Again, thanks for the good replies. I'm an engineer with MBA, and I wouldn't push my kids into engineering unless they decided to do it on their own. I found the curriculum to be hellacious and if you're not STEM inclined it will be a tough sled. She's good at math and science but not strongly inter...
by investingdad
Wed Aug 21, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 3909

Re: Best undergrad majors ahead of Law school?

Thanks for good feedback thus far.

She joined the student newspaper in middle school and is planning to do the same in high school.

And she does love to write, she spends a lot of her free time writing short stories.
by investingdad
Wed Aug 21, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 3909

Re: Best undergrad majors ahead of Law school?

I would get an undergrad degree in something she likes and is actually interested to use. Law school may or may not happen. A lot can happen between now and graduating with a bachelor's- interests can completely change. I completely agree. But when she asks, I'd like to be able to answer the questi...
by investingdad
Wed Aug 21, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 3909

Best undergrad majors ahead of Law school?

My daughter is starting high school this year so college is still off a ways, but fast approaching. She's a very bright kid (trust me on this one), exceptionally organized, very self motivated, and loves to write. She mentioned in passing to me more than once that she may want to go to law school an...
by investingdad
Sun Aug 18, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Precalculus Problem
Replies: 9
Views: 1178

Re: Precalculus Problem

Retired a few months ago, and decided to start working on my bucket list. One item on the list was to refresh my math skills. I am enjoying the challenge but my brain cells have, at times, too many layers of dust on them. :? Wondering if any bogleheads would be willing to help solve the following p...
by investingdad
Wed Aug 14, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Soccer socks
Replies: 3
Views: 225

Re: Recommendation For Soccer socks

We just went soccer sock shopping for my son this weekend. He's played club soccer since age 6, but starts for the middle school team this fall. That means he needs to change quickly at school for matches. Like you said, a few washes and they become hard to get on. We got him Adidas soccer field soc...
by investingdad
Tue Aug 13, 2019 6:50 am
Forum: Personal Consumer Issues
Topic: Is "My Social Security" online worth signing up for
Replies: 31
Views: 2895

Re: Is "My Social Security" online worth signing up for

I don't know if this is credible or not, but I have been told several times that : If you don't register online, there is a high chance that identity thieves will do it for you. So I did, and I'm urging others to do the same. Is that something also the young folk should do or does signing up only m...
by investingdad
Mon Aug 12, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Is "My Social Security" online worth signing up for
Replies: 31
Views: 2895

Re: Is "My Social Security" online worth signing up for

Cody6136 wrote:
Mon Aug 12, 2019 11:13 am
I don't know if this is credible or not, but I have been told several times that :

If you don't register online, there is a high chance that identity thieves will do it for you.

So I did, and I'm urging others to do the same.
Yes, that's what happened to me.
by investingdad
Sat Aug 10, 2019 7:47 am
Forum: Personal Consumer Issues
Topic: Vehicle Air horn
Replies: 29
Views: 2687

Re: Vehicle Air horn

I put a Crazy Red Italian horn in my 04 Miata.

Very easy and sounds good.
by investingdad
Sun Aug 04, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 4929

Re: Dental implant... almost done! COMPLETE!

The lab did a nice job on the crown. I have deep, vertical grooves in my other front tooth. They mimicked that on the crown. It creates the same light an dark pattern and looks very natural. They even copied the juvenile bumps on the bottom edge that I never lost. The color isn't perfect, a hair too...
by investingdad
Sun Aug 04, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 4929

Re: Dental implant... almost done!

Complete. I had the crown put on last week. A little uncomfortable but not much. Just when he cranked down on the abutment. From the front, it looks really good. However, I don't like the bulky feel in the back. My other front tooth is thin from from to back so this feels out of place. I also am not...
by investingdad
Mon Jul 22, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5701

Re: Whole Bean Coffee: Worth the effort?

Maybe. I think it partly depends on how you prepare your coffee. Some prep methods drive of the volatile organics responsible for the complex flavours. If you make a pot and let it sit for an hour on a burner, no point. We have a super automatic espresso maker, it burr grinds beans then prepares the...
by investingdad
Fri Jul 19, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 73
Views: 6301

Re: Box wine- update and recommendations?

I'm not much of a wine drinker, but my wife likes Black Box Pinot Grigio. And Chardonnay. There's a small winery about 3 minutes from our house that cranks out good wine for about $11 a bottle. But it's mostly lost on me. I do like better champagne, Veuve Cliquot is really good and I can taste the d...
by investingdad
Fri Jul 19, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I pay attention to new corporate strategy communications?
Replies: 12
Views: 1258

Re: Should I pay attention to new corporate strategy communications?

Over 40 years at one company, I saw a new wave of corporate strategy every few years. New people propose new strategy, new strategy fails, fire the people and get more new people. Lather, rinse, repeat. I tried to be a “team” player and not show my cynicism. The most important thing was to constant...
by investingdad
Fri Jul 19, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1091
Views: 308515

Re: Share your net worth progression

We will probably fall back, but since we touched a major milestone today I was quite excited and wanted to share on BH. 31 244k 32 347k 33 344k 34 426k 35 364k 36 560k 37 718k 38 917k 39 1123k 40 1465k 41 1719k 42 1745k 43 2069k 44 2521k 45 2471k 46 3001k (awesome!) And if it matters, about 200k is ...
by investingdad
Thu Jul 18, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Explaining the magic of compound interest to teenagers
Replies: 107
Views: 6536

Re: Explaining the magic of compound interest to teenagers

I can think of no simpler, more effective lesson to the power of compound interest than the 'would you rather have a million dollars today or a penny doubled every day for a month? question. When I was in 3rd grade, my friend's dad asked me this question. He was a psychologist. I immediately answer...
by investingdad
Wed Jul 17, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: 1 million in liquid assets or paid off mortgage by 40?
Replies: 61
Views: 6677

Re: 1 million in liquid assets or paid off mortgage by 40?

Interesting.

Our 30 year mortgage is 3.375% and we hit $1 million at 39, so similarities to you.

We did not pay off our mortgage even though we could. We are now 46 and a few grand short of $3 million. I don't think that happens if we paid off the mortgage. We owe about 190k.
by investingdad
Fri Jul 12, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10543

Re: Who cuts your hair? And for how much?

I dunno, I still think those that cut at home are missing out on a relaxing experience.
by investingdad
Fri Jul 12, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 3816

Re: Avoid MD-88s [commercial aircraft]?

The Delta engine failure video is certainly scary to watch, and I would have been freaked out. But let's remember that the plane landed safely and without injury. That's a credit to the engineers and pilots. That's the desired outcome. We can talk about the MAX, the outsourcing of engineering to low...
by investingdad
Wed Jul 10, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10543

Re: Who cuts your hair? And for how much?

There is a local salon chain near me that focuses on female clientele with some light spa services but they also do men's haircuts. I go there because it's convenient and there's a stylist that understands how I like my hair cut. I'm getting pretty thin on top, but the sides continue to grow as they...
by investingdad
Mon Jul 08, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3789

Re: Going to law school question

I want to be a brain surgeon, not really, but kind of. :beer I wonder if his situation is something akin to being in University administration, where having a PhD, *any* accredited Phd, is the ticket enabling a move up the ladder. Or in some case Hospitals or Pharma business where that MD opens doo...
by investingdad
Mon Jul 08, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3789

Re: Going to law school question

I'm a chemical engineer and I took the LSAT after completing my MBA. Yes, I thought about law school. First, chem E was stupid hard for me. I'd never want to do that again. Second, the MBA was ridiculously easy. And the LSAT? I studied really hard for 6 months and scored in the 85th percentile. I th...
by investingdad
Mon Jul 08, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Going to law school question
Replies: 55
Views: 3789

Re: Going to law school question

For any difficult, time consuming, frustrating effort... I find that my ability to stay with it and enjoy the process is directly tied to my desire for the outcome.

Hard work is hard, but feels less like work, when you're enjoying it.
by investingdad
Sun Jul 07, 2019 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 15410

Re: Staying the course is so hard (support thread)

My wife and are not docs and don't make doctor salary, but we do well enough. I think living under the radar and below your means is often personality driven. Some people can't seem to stop seeking attention while others avoid it. I suspect spending patterns fit in there someplace. You're either con...
by investingdad
Sun Jul 07, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6600

Re: Are you a serious DIYer?

I like riding the lawn tractor, I don't enjoy trimming. I don't mind painting, other than the 2 story foyer I painted our entire house including our finished basement which was bare drywall. Last house, same. I'm pretty good at it. Drywall repair is fine. Simple electrical is ok, like replacing a s...
by investingdad
Fri Jul 05, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Global Private Jet Tour - Anyone looked into this? or other Global Tours/Cruises?? Thoughts/Experiences??
Replies: 27
Views: 2012

Re: Global Private Jet Tour - Anyone looked into this? or other Global Tours/Cruises?? Thoughts/Experiences??

I can only add this, private jets are nice. I've been able to travel on one of my MegaCorp employer's private jets and it's a very different experience. It's quiet. Fast. Pressurized differently. Comfy. No restrictions on electronics, moving around, etc. No security hassle. It's no wonder the execs...
by investingdad
Thu Jul 04, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1091
Views: 308515

Re: Share your net worth progression

I replied on this thread earlier.

But as of market close yesterday, 2980k.

So close to a big milestone. Pretty good for 45. About 200k is home equity.

If the market does nothing but stay flat, we'll crack 3 mil by Fall.

So of course it'll tank next session.
by investingdad
Thu Jul 04, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6445

Re: Employers asking salaries

I had a laugh when I had a phone screening with a company and the question came up. I told them (truthfully) and the reply was that they were more like in 70k range.

I told them I thought that was insulting given the engineering experience they were asking for.

Call ended shortly after.
by investingdad
Thu Jul 04, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Global Private Jet Tour - Anyone looked into this? or other Global Tours/Cruises?? Thoughts/Experiences??
Replies: 27
Views: 2012

Re: Global Private Jet Tour - Anyone looked into this? or other Global Tours/Cruises?? Thoughts/Experiences??

I can only add this, private jets are nice. I've been able to travel on one of my MegaCorp employer's private jets and it's a very different experience. It's quiet. Fast. Pressurized differently. Comfy. No restrictions on electronics, moving around, etc. No security hassle. It's no wonder the execs...
by investingdad
Thu Jul 04, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Global Private Jet Tour - Anyone looked into this? or other Global Tours/Cruises?? Thoughts/Experiences??
Replies: 27
Views: 2012

Re: Global Private Jet Tour - Anyone looked into this? or other Global Tours/Cruises?? Thoughts/Experiences??

I can only add this, private jets are nice. I've been able to travel on one of my MegaCorp employer's private jets and it's a very different experience. It's quiet. Fast. Pressurized differently. Comfy. No restrictions on electronics, moving around, etc. No security hassle. It's no wonder the execs ...
by investingdad
Wed Jul 03, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Adult son has not controlled credit card overuse!
Replies: 106
Views: 6853

Re: Adult son has not controlled credit card overuse!

At the end of the day, the person has to decide for themself what they want to do. I had the epiphany at 23 when I put airfare on my credit card and had a $800 or so bill (1997 timeframe) come due and only a few thousand in my checking account. I paid a few hundred and then saw the interest charges ...
by investingdad
Wed Jul 03, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult, 2.5 year progress audio
Replies: 217
Views: 35596

Re: Learning Violin as an adult, 2.5 year audio

Two and a half years of learning to play the violin, I have progressed thusly and can now play a simple tune:

https://drive.google.com/file/d/1d51ZyZ ... p=drivesdk

Since my first few posts on this, I continue with weekly lessons and an hour a day of playing.
by investingdad
Tue Jul 02, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 6600

Re: Are you a serious DIYer?

I like riding the lawn tractor, I don't enjoy trimming. I don't mind painting, other than the 2 story foyer I painted our entire house including our finished basement which was bare drywall. Last house, same. I'm pretty good at it. Drywall repair is fine. Simple electrical is ok, like replacing a sw...
by investingdad
Tue Jul 02, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Buy new home before putting current home on the market?
Replies: 25
Views: 1677

Re: Buy new home before putting current home on the market?

Is this the home where you and your wife raised your kids? If so, perhaps it's not the "stuff" your wife has but the memories of raising the family that are giving her pause?
by investingdad
Mon Jul 01, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 22556

Re: Do you share your net worth with family members?

No we don't.

I had typed a long post and deleted it. Bottom line, the family dynamic with my parents has never been great. I will be openly thrilled if my kids achieve a higher level of success than I have, as opposed to being insecure, belittling, and defensive.
by investingdad
Fri Jun 28, 2019 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Perspective on Company Layoffs
Replies: 27
Views: 2883

Re: Perspective on Company Layoffs

If it were me, I'd do the following: - request some time with my new manager and have a frank conversation about my role, responsibilities, and seek to understand why I was retained. Be positive. - immediately start job search and when asked, why are you leaving, tell them... My company laid off 75%...