Search found 685 matches

by mak1277
Thu Jun 21, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 62
Views: 3092

Re: What is/ was your career and would you recommend it now?

I was a managing partner of a Big 4 audit firm and would highly recommend auditing for a Big 4 firm for anyone that likes accounting. The con is the working hours for sure as there are many late nights but there is ample down time too. The pros are the money is typically quite good, most of your co...
by mak1277
Wed Jun 20, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

Oh, I was supposed to look at your posting day aka "Saturday"? OK, I missed that! But the proper response would have been "Touche, you got me there!" and certainly not bringing jerkdom on him for pointing out that you had made a wrong assertion. And your assertion was called out. The sole reason fo...
by mak1277
Wed Jun 20, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

I'm surprised by how many people are retired and still posting here. I know that I'm only on the forums when I'm at work, and never on the weekends or vacation. My retirement date will likely be the last time I'm ever here. never say never https://www.bogleheads.org/forum/viewtopic.php?f=2&t=231435...
by mak1277
Wed Jun 20, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

I'm surprised by how many people are retired and still posting here. I know that I'm only on the forums when I'm at work, and never on the weekends or vacation. My retirement date will likely be the last time I'm ever here. never say never https://www.bogleheads.org/forum/viewtopic.php?f=2&t=231435...
by mak1277
Wed Jun 20, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

I'm surprised by how many people are retired and still posting here. I know that I'm only on the forums when I'm at work, and never on the weekends or vacation. My retirement date will likely be the last time I'm ever here. never say never https://www.bogleheads.org/forum/viewtopic.php?f=2&t=231435...
by mak1277
Wed Jun 20, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

I'm surprised by how many people are retired and still posting here. I know that I'm only on the forums when I'm at work, and almost never on the weekends or vacation. My retirement date will likely be the last time I'm ever here.
by mak1277
Tue Jun 19, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15283

Re: Top Shelf Liquor Overrated?

As to the last point, I do find it interesting what I've noticed dining out, after studying up a little about the subject, thinking about hosting and entertaining. Namely it's the frequency I see overpriced cocktails on menus, naming the liquors featured -- New Amsterdam Gin, Bacardi Superior, or S...
by mak1277
Tue Jun 19, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 74
Views: 2902

Re: Road trip Pennsylvania,Maryland,and DC

Theres not much in PA...I wouldnt even put it on the list. I live in northeast PA...trust me. Philly is a wreck...pittsburgh is decent but too far away from DC...again, not much to see in pitt. Amish country is lame imo. You'll just want to focus almost all of your attention on DC. We used to live ...
by mak1277
Tue Jun 19, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9673

Re: Messy Divorce -- Forensic Accounting Help....

Inever wrote:
Mon Jun 18, 2018 7:46 pm


So, pretend you did not love your spouse, had no conscience, and planned on hiding marital assets for 10-15 years....how would YOU do it?
cash
by mak1277
Tue Jun 19, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate "fun money" per year?
Replies: 35
Views: 2533

Re: How to calculate "fun money" per year?

Fun Money = Take home pay minus basic expenses

Why make things more complicated than that?
by mak1277
Mon Jun 18, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 269760

Re: Best watch for around $5,000?

I always like these threads. Most berate, belittle and otherwise consider anyone with a watch more than a basic Timex an idiot and into material things at the sacrifice of experiences. And they never pass on the opportunity in any thread where a watch more than $35 is mentioned. Blah, blah, blah......
by mak1277
Mon Jun 18, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 269760

Re: Best watch for around $5,000?

I always like these threads. Most berate, belittle and otherwise consider anyone with a watch more than a basic Timex an idiot and into material things at the sacrifice of experiences. And they never pass on the opportunity in any thread where a watch more than $35 is mentioned. Blah, blah, blah......
by mak1277
Wed Jun 13, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36825

Re: Bogleheads, tell me about your 40's?

I've also said it before, but I'll say it again, I've been extraordinarily underwhelmed by the widespread notion that the path to a rich retirement is by just starting saving super early, like when you're literally 21, because of the power of compound interest returns. Not that savings is bad, but ...
by mak1277
Wed Jun 13, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

chevca wrote:
Wed Jun 13, 2018 11:07 am
Might as well make another section for off topic stuff like retirement days, bees, golf scores, and folks scratching themselves. :happy
I would totally be in favor of an unmoderated section of the forum. I might even break my rule against donating to websites if that helped the cause.
by mak1277
Tue Jun 12, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16352

Re: Life in retirement - what did you do today?

Is this place turning into Facebook now? What is a consumer issue, finance, or investing related about this? Nothing really. But it is a retirement issue. A lot of BHs seem to struggle with the concept of filling their previous working hours with their own creative agenda. A thread like this may gi...
by mak1277
Mon Jun 11, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3447

Re: How much to spend on daycare?

Option C, private nanny for individualized care. When the baby is that young, she isn’t socializing with other kids and will be stuck on a schedule. We went the private nanny route with both kids and then put them in a nice daycare later when they were old enough to really play with other kids. But...
by mak1277
Mon Jun 11, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10031

Re: Why do we work?

I am surprised that most people who responded to this replied that they work to provide and purchase things. I work because I absolutely love my job and consider myself very fortunate everyday to do the type of work that I do. I grew up in a very blue-collar, economically depressed area, and living...
by mak1277
Fri Jun 08, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10031

Re: Why do we work?

I work because of golden handcuffs
by mak1277
Fri Jun 08, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3447

Re: How much to spend on daycare?

Option C, private nanny for individualized care. When the baby is that young, she isn’t socializing with other kids and will be stuck on a schedule. We went the private nanny route with both kids and then put them in a nice daycare later when they were old enough to really play with other kids. But...
by mak1277
Fri Jun 08, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 17930

Re: Don’t cheat yourself with the 4% rule

What I find amazing is how few people think about changing jobs. The options are always retire or work the same job they hate. There are millions of jobs out there. Find one you enjoy. Think about how many people work for free and you will realize that being productive is something that most people...
by mak1277
Fri Jun 08, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4261

Re: How much to budget for a week long vacation for 2?

No, when I'm putting together an annual budget, I definitely don't think about specific trips I'm going to take. We typically decide on where we're going to travel no more than a month or two before the trip itself. For budgeting, I absolutely *must* think in generalities. According to American Exp...
by mak1277
Fri Jun 08, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4261

Re: How much to budget for a week long vacation for 2?

I still don’t get why other people’s travel expenses would be useful for the Time Lord to set his travel budget? Why would a trip to Peru, or Antarctica, have any predictive value for a trip to the Grand Canyon, or Paris, or Rome? I don't get it either. When I wanted to "budget for retirement trave...
by mak1277
Thu Jun 07, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 79
Views: 4261

Re: How much to budget for a week long vacation for 2?

$8,000 - $10,000 sounds about right for me. First class flights (anywhere more than 4-5 hours) - $5,000 Hotel - $400/night = $2,800 Food - $150/day = $1,050 Rental car + activities - $100/day = $700 Those are clearly max amounts, but I'd rather budget high and come in under than the alternative. Edi...
by mak1277
Wed Jun 06, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Submitting an offer on a home
Replies: 24
Views: 2584

Re: Submitting an offer on a home

Even though you don't pay your buyers agent directly, you are paying 100% of your agent's fee through the price you pay on the house. The whole idea that the buyers agent is paid for by the seller is a sleight of hand designed to trick buyers into thinking it's free. Follow the money and it will le...
by mak1277
Wed Jun 06, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Submitting an offer on a home
Replies: 24
Views: 2584

Re: Submitting an offer on a home

Line up a real estate attorney. Depends on the state law and customs. I guess someone could get a real estate lawyer regardless but in many places it would be very unusual for any lawyers at all to be involved. Based on a little googling, it looks like that in Louisiana, it is usually a title compa...
by mak1277
Wed Jun 06, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 185
Views: 15283

Re: Top Shelf Liquor Overrated?

Reading through and seeing this thread still around, I thought I'd chime in again. A question occurred to me -- how do people start drinking top shelf liquor? Certainly the liquor many of us first enjoyed earlier in life was no high end. An earlier post shared a story where his son-in-law, clearly ...
by mak1277
Tue Jun 05, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 7447

Re: Is our monthly Personal money out of line?

We do zero. All money goes into a joint pot, all bills are paid out of joint pot, including savings. I don’t understand the need to “allocate” to him/her needs. Home Depot expenses whether they be tools or supplies are for the home, the one we jointly live in. Just curious, how do you decide how mu...
by mak1277
Fri Jun 01, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing jobs: bonus vs no bonus
Replies: 26
Views: 1629

Re: Comparing jobs: bonus vs no bonus

I think it's important to understand the criteria for the bonus. Specifically, if there is a "discretionary" or "subjective" part, you can pretty much count on never getting all of that. I would be looking for very specific,concrete and measurable bonus criteria as a plus.
by mak1277
Thu May 31, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12419

Re: Have $3m at 33, "approach to career" advice needed

2) Kids learn primarily by example, not by words. It's hard for young minds to grasp the concepts of working hard, responsibility, time management when you aren't practicing them yourself and are instead blabbing on about them in your pajamas while they are getting ready for school. I imagine my ki...
by mak1277
Thu May 31, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12419

Re: Have $3m at 33, "approach to career" advice needed

gcc32 wrote:
Wed May 30, 2018 5:39 pm
I feel like it would be really hard to teach them a lot of things while living a semi life of leisure.
Disagree 100%. I think it would be really hard to teach my kid a lot of things if I'm away from him all the time because of a job. Much easier to teach when in close proximity!!
by mak1277
Thu May 31, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7419

Re: Advice on neighbor not keeping up his property...

I have to wonder what some people are thinking when they look at the more well-cared for properties. Do they think: "Suckers!"? or maybe "Thanks for helping the property values I am so diligently working on bringing down?" Or maybe they just don't see the difference? We just don't care enough to sp...
by mak1277
Wed May 30, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4646

Re: My mind exploded

You are offended? Your daughter spent her money on something and you are offended. First, if you said one thing about paying for insurance, university, gas, car repair and phone you need to apologize, those were your decisions and unless they were part of a deal where she agreed not to buy expensiv...
by mak1277
Wed May 30, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7419

Re: Advice on neighbor not keeping up his property...

I have to wonder what some people are thinking when they look at the more well-cared for properties. Do they think: "Suckers!"? or maybe "Thanks for helping the property values I am so diligently working on bringing down?" Or maybe they just don't see the difference? We just don't care enough to sp...
by mak1277
Wed May 30, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle
Replies: 65
Views: 8171

Re: The Side Hustle

youngpleb wrote:
Tue May 29, 2018 8:00 pm
voice-over work

Curious...how does one find this type of work?
by mak1277
Tue May 29, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7419

Re: Advice on neighbor not keeping up his property...

He wants to remove his lawn and put in bricks to cover it. The bricks are simply waiting to be installed. You might consider moving to a neighborhood with a good HOA. Sounds like he's settling in and things are going to go from bad to worse. No he is a nice guy. No issues as, I have stated before t...
by mak1277
Tue May 29, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7419

Re: Advice on neighbor not keeping up his property...

You can talk to him or talk to the local government for code enforcement or both. Not much else you can do if there is no homeowner's association or similar. Most towns and cities have codes and ordinances posted online and if not, go down to the municipal or county government building and inquire....
by mak1277
Tue May 29, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 3929

Re: Do you have a monthly household budget?

Never used a formal budget. But I'm an oddball in the boglehead group because I have never subscribed to the "pay yourself first" theory. I have always lived the life I wanted to live, and if I have extra at the end of the month then I save it.
by mak1277
Wed May 23, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6024

Re: How have you upgraded your wardrobe?

Countermoon wrote:
Wed May 23, 2018 12:28 pm
I used to wear a lot of Brooks Brothers but almost all of their shirts are the non-iron, which I can't stand.
I literally wouldn't buy a dress shirt that I have to iron in this day and age.
by mak1277
Wed May 23, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6024

Re: How have you upgraded your wardrobe?

Where are all these jobs that let you wear jeans? :confused I would love to wear my Wal-Mart Wranglers all day everyday. (I even sleep in them occasionally.) Apparently I missed the Life mini-lotto... I've never worn anything other than jeans for my entire 20 year career. I also would never take a ...
by mak1277
Wed May 23, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2354

Re: Buying a Woman's Tag Heuer On-line

I'm also interested to hear from anyone who has made an expensive purchase from Jomashop (i.e. >$1,000). I browse quite often, but haven't been able to pull the trigger on anything given that it's not an authorized retailer. Omega Seamaster Aqua Terra from Jomashop. It was over $1,000 cheaper than ...
by mak1277
Wed May 23, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1846

Re: Babymoon - Hawaii Recommendations/Expected Costs

I guess some, like you, see it as the end of life as they know it and feel a sudden need to do a last hurrah. Others of us just saw having children as the next step in life and welcomed the new opportunity for family trips, having already taken many vacations before they ever came along. To each th...
by mak1277
Wed May 23, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2354

Re: Buying a Woman's Tag Heuer On-line

Pajamas wrote:
Wed May 23, 2018 9:20 am
mak1277 wrote:
Wed May 23, 2018 9:18 am
Pajamas wrote:
Wed May 23, 2018 9:12 am

Be aware that Costco has sold gray market watches.
gray market is not a synonym for fake.
I didn't imply that it was.
Ok, then what was the implication? Who cares if Costco sells gray market watches?
by mak1277
Wed May 23, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2354

Re: Buying a Woman's Tag Heuer On-line

Pajamas wrote:
Wed May 23, 2018 9:12 am
sk2101 wrote:
Wed May 23, 2018 8:00 am
helloeveryone wrote:
Tue May 22, 2018 4:33 pm
Costco has good name brand watches for what appears to be a good price. They don't have TAGs though.
My Costco has Tags in store from time to time.
Be aware that Costco has sold gray market watches.
gray market is not a synonym for fake.
by mak1277
Wed May 23, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2354

Re: Buying a Woman's Tag Heuer On-line

Here's the way I go about this. First, I would find out what kind of discount an authorized dealer would give you. For a tag, you should not have to pay full retail, even in a store. Then I would figure out what the cost of a normal servicing of the watch would be. If the cost of 1 servicing plus th...
by mak1277
Wed May 23, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1846

Re: Babymoon - Hawaii Recommendations/Expected Costs

Hawaii is amazing. Maui and Kauai are both awesome...I'd probably recommend Maui for a first trip.

But I also agree with the people saying 3/4 nights isn't enough. My wife and I honeymooned on Maui for 6 nights...definitely not enough time considering the length of the flights.
by mak1277
Mon May 21, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Using the 3% SWR While Still Working
Replies: 9
Views: 1219

Re: Using the 3% SWR While Still Working

I haven't thought about it in the same terms as you have, but I definitely have loosened the purse strings based on where we are financially. I have never viewed frugality for frugality's sake as a noble pursuit, so realizing that I'm already at a 3% WR for retirement (plus savings for kid's college...
by mak1277
Fri May 18, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Buy now and wait one more year to move in?
Replies: 17
Views: 2160

Re: Buy now and wait one more year to move in?

What about new construction? You could "buy" now with just a deposit and move in later when the build is done. Less fuss than buying/renting.
by mak1277
Thu May 17, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing in 8 years. Buy now?
Replies: 18
Views: 1727

Re: Downsizing in 8 years. Buy now?

With interest rates going up and the price of housing going up (doubling every 10 years in my area), ... Housing goes through periodic slumps. It may seem like a straight trajectory up, but it's not. We've owned 3 homes in 30 years in 3 different areas of the country. There were really soft housing...
by mak1277
Thu May 17, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: 2018 Yellowstone Trip advice needed
Replies: 20
Views: 1456

Re: 2018 Yellowstone Trip advice needed

My advice would be to fly into Jackson or Idaho Falls, Idaho...that six hour plus drive from SLC sounds miserable to me.
by mak1277
Wed May 16, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8758

Re: Golden Handcuffs

The benefits you talk about aren't necessarily the golden handcuffs some speak of. If you have 5 years worth of unvested stock awards that total $100k, that is a handcuff as compared to a 401k match. A pension funded by the employee may or may not be a handcuff. A 401k with a good match is also a r...