Search found 751 matches

by mak1277
Thu Aug 16, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 57
Views: 4565

Re: Men’s Underwear recommendation

This is the kind of thread that makes me weep for mankind....how can anyone honestly need recommendations on freaking underwear? Have we become that un self reliant? Sigh...ex officio's are really good. Edit - I completely blame the internet for this ... can you imagine a guy going up to another guy...
by mak1277
Wed Aug 15, 2018 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Big 4 Who Jumped to Industry - Compensation
Replies: 35
Views: 5494

Re: Big 4 Who Jumped to Industry - Compensation

This was a long time ago but I received a 50% raise. I felt like I was on vacation working 40-45 hours per week. Also, public accounting is horribly inefficient for the firm. Each engagement team turns over each year and the newbies spend all of busy season learning the new client only to repeat it...
by mak1277
Tue Aug 14, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 35
Views: 3363

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

Non-Fiction Desert Solitaire - Ed Abbey Lords of the Realm - John Helyar (bonus, by the same author, Barbarians at the Gate ) The Only Kayak - Kim Heacox Fiction Straight Man - Richard Russo Sun Also Rises - Hemingway The Spy Who Came in From the Cold - John LeCarre Really most anything from any of...
by mak1277
Mon Aug 13, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Pop up tent camper
Replies: 23
Views: 2433

Re: Pop up tent camper

Rent one.
by mak1277
Mon Aug 06, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 775
Views: 83154

Re: [What TV Show Have You Recently Watched?]

MJW wrote:
Mon Aug 06, 2018 1:36 pm
Working my way through Season Three of the Sopranos. Having never watched the series before, it is obvious how it set the stage for the Netflix/streaming revolution that came later.
I'd argue that Sopranos, followed quickly by The Wire, started the new golden age of TV.
by mak1277
Mon Aug 06, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 775
Views: 83154

Re: [What TV Show Have You Recently Watched?]

One has to suspend disbelief with many TV/movie plots, and I just could not suspend my disbelief that the hotel manager could pull this off (without giving too much away!) I thought Tom Hiddleston was more believable as the Norse god Loki than he was a as a hotel manager turned spy. :| A good show ...
by mak1277
Mon Aug 06, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4571

Re: Dear BH, what are non-BH actions you do?

Also, we have no intentions of paying for the university education of our children. We have ~12 years for our opinion to change as our oldest is 6, but at this point it isn't something we are really considering. We are going to pay as follows (our daughter is 6 now as well) 1) 2-years of Community ...
by mak1277
Mon Aug 06, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6995

Re: "Skin in the game"

I skipped just as many classes in the years of college that I paid for as I did in the years my parents paid for. Skin in the game didn't motivate me at all in that way.
by mak1277
Mon Aug 06, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6995

Re: "Skin in the game"

For me, the following sentence, delivered by my mom, was all the "skin in the game" I needed:

"Don't expect to graduate college, not get a job, and move back home. That isn't an option."

That concept was more motivating than any amount of financial support or not.
by mak1277
Mon Aug 06, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4571

Re: Dear BH, what are non-BH actions you do?

Aside from holding a three-fund portfolio, I don't really pay much attention to any other "tenets" of bogelhead-dom.
by mak1277
Fri Aug 03, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Impact of higher property taxes on home price
Replies: 45
Views: 2301

Re: Impact of higher property taxes on home price

I think a good percentage of today's house buyers are paychek-paychek. So it will impact... But the impact of losing the deductions isn't going to be noticed in your paycheck. So the average person is going to buy their house based on that paycheck, not factoring in the deduction. Their day-to-day ...
by mak1277
Fri Aug 03, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Impact of higher property taxes on home price
Replies: 45
Views: 2301

Re: Impact of higher property taxes on home price

It absolutely should have an impact to house prices. In an efficient market, that impact would happen somewhat immediately, but real estate is generally slower moving. It's my belief that the tax law changes (remember the change to mortgage interest as well) hasn't propagated through the market - a...
by mak1277
Fri Aug 03, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: charitable giving
Replies: 4
Views: 322

Re: charitable giving

Nearly all of our charitable giving is based on having a personal connection with the organization. That's not a hard and fast rule we follow, but it ends up being how our money is donated almost every year. I just have a harder time sending my money into the big black box of a mega national charity.
by mak1277
Fri Aug 03, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Impact of higher property taxes on home price
Replies: 45
Views: 2301

Re: Impact of higher property taxes on home price

It absolutely should have an impact to house prices. In an efficient market, that impact would happen somewhat immediately, but real estate is generally slower moving. It's my belief that the tax law changes (remember the change to mortgage interest as well) hasn't propagated through the market - a...
by mak1277
Fri Aug 03, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Impact of higher property taxes on home price
Replies: 45
Views: 2301

Re: Impact of higher property taxes on home price

It would surprise me to learn that a majority of people (heck, even if it was 30% I'd be surprised) gave significant consideration to tax deductions when deciding how much house they could buy. I'm a CPA and I have never done that. That is astounding that a CPA would not evaluate the tax deductions...
by mak1277
Thu Aug 02, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of higher property taxes on home price
Replies: 45
Views: 2301

Re: Impact of higher property taxes on home price

It absolutely should have an impact to house prices. In an efficient market, that impact would happen somewhat immediately, but real estate is generally slower moving. It's my belief that the tax law changes (remember the change to mortgage interest as well) hasn't propagated through the market - a...
by mak1277
Thu Aug 02, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Impact of higher property taxes on home price
Replies: 45
Views: 2301

Re: Impact of higher property taxes on home price

PVW wrote:
Thu Aug 02, 2018 12:21 pm
mak1277 wrote:
Thu Aug 02, 2018 10:21 am
If I was selling my house it wouldn't have any impact.
You only get to set the asking price, not the selling price.
I get to set the minimum price I'm willing to sell for, though, and that's really all that matters.
by mak1277
Thu Aug 02, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Impact of higher property taxes on home price
Replies: 45
Views: 2301

Re: Impact of higher property taxes on home price

If I was selling my house it wouldn't have any impact.
by mak1277
Thu Aug 02, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3501

Re: New job commute

can you possibly get some more flexibility in your work hours? I'm guessing the commute would be better if you were able to work from, say, 6:30am - 3:30 or 4:00pm.
by mak1277
Thu Aug 02, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3501

Re: New job commute

PaulAtreides wrote:
Wed Aug 01, 2018 11:49 pm
Cant move closer either, young kids and all.
I don't understand what having young kids has to do with your ability to move.
by mak1277
Wed Aug 01, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3209

Re: What’s your Value Colombian coffee?

I'm always impressed by other peoples' ambition. I don't even like to buy whole beans because grinding it myself seems like a huge waste of my time. And if you don't appreciate fresh coffee, that's fine--pre-ground coffee is stale by definition. I press one button on my grinder and 7 seconds later ...
by mak1277
Wed Aug 01, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3209

Re: What’s your Value Colombian coffee?

Nicolas wrote:
Tue Jul 31, 2018 7:53 pm
I buy green coffee beans and roast them myself. It's always fresh, and the cost is cheaper. It's not difficult to do.
I'm always impressed by other peoples' ambition. I don't even like to buy whole beans because grinding it myself seems like a huge waste of my time.
by mak1277
Mon Jul 30, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Boy's first job
Replies: 38
Views: 3558

Re: Boy's first job

Does your son want to contribute to a 401k? I, for one, think he should be allowed to keep all of his money for gas, girls, college and whatever else and not be coerced into saving it in a retirement fund. Lots and lots of time for that in the future.
by mak1277
Fri Jul 27, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9278

Re: Toughest Purchase of my Life. Engagement Ring time

The two worst investments you will buy are a new car and a diamond. They say a Diamond loses 50% of its value after you buy it and a car 30% when you drive it off the lot. Also not really anything you can do. Our culture but really the de beers advertising has made it so you need to but a diamond r...
by mak1277
Wed Jul 25, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9516

Re: Dealing with HOA Notice

Yeah, definitely self-entitlement. I look at certain fines as a kind of fee for doing what I want to do; in a way, the price of freedom. Yes, a lot of people only consider themselves and do not care about the possible consequences of their behavior on other people. For instance, speeding can injure...
by mak1277
Wed Jul 25, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9516

Re: Dealing with HOA Notice

Edit to add - I view this the same way I view speeding while driving. I acknowledge the law, choose to ignore it and accept whatever consequences arise. Yeah, definitely self-entitlement. I look at certain fines as a kind of fee for doing what I want to do; in a way, the price of freedom. Yes, a lo...
by mak1277
Wed Jul 25, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6786

Re: Daughter wants to travel on her own to Montreal

I am bothered by the solo part. It is not related to age or gender. I think going with another person or meeting someone there would be fine. I would be bothered even if my 40 year old son were going to Montreal by himself for a period of several days without a companion or a plan to meet a person ...
by mak1277
Wed Jul 25, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6786

Re: Daughter wants to travel on her own to Montreal

It interests me that people who drink think no one knows. Smelling of alcohol, weaving around, speaking incoherently, and they think no one notices. I didn't interact with my parents after drinking. I would stay at friends houses and drink there and come back the next day and tell my parents what a...
by mak1277
Tue Jul 24, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6786

Re: Daughter wants to travel on her own to Montreal

* She is not going there to drink. She does not drink or do drugs. Has no interest in drinking or doing drugs. Does not eat meat.(Vegan) This has nothing to do with the original question, but as a new parent I'm curious...how on earth do you know this? My parents thought that I had no interest in d...
by mak1277
Tue Jul 24, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage on Upcoming Home Purchase
Replies: 12
Views: 1783

Re: Mortgage on Upcoming Home Purchase

No closing costs for me thanks.
by mak1277
Tue Jul 24, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Cheaper alternatives to Broadway shows?
Replies: 25
Views: 854

Re: Cheaper alternatives to Broadway shows?

Some friends of mine are obsessed with Broadway shows and pay $$$ to watch the same show multiple times. However, these friends have no interest in any other kind of theater. Surely there must be cheaper kind of musical plays ( <$20 ) that offer a more intimate experience but without the "stars"? A...
by mak1277
Tue Jul 24, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Balancing Loans, Windfall, and Retirement
Replies: 13
Views: 1021

Re: Balancing Loans, Windfall, and Retirement

My advice would absolutely be to eradicate the debt before putting one penny into retirement funds.
by mak1277
Tue Jul 24, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17068

Re: Salary vs. Lifestyle

I think there is a lot of conflating "stress" with "effort" in this thread. Perhaps a higher level job isn't more stressful, but it is almost certainly more effort. Some people would prefer to make a lower (but still high) salary and choose not to expend additional effort in terms of working hours,...
by mak1277
Mon Jul 23, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with a Developer
Replies: 48
Views: 3547

Re: Investing with a Developer

4) I buy the lots I want and pay for the cost of the lots from my LLC account. Developer pays for closing costs and I have the titles for the lots. How do you know you get the lots you want? What is to prevent the good lots from being taken by the developer (or another builder), leaving you with ju...
by mak1277
Mon Jul 23, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9516

Re: Dealing with HOA Notice

I have had very good luck simply ignoring "notices" given to me by my HOA. I am 3 for 3 in doing nothing and having no negative results for things like this. I will not follow the above advice. A grandmother was evicted from a 55+ retirement community because she took in her grandchildren after som...
by mak1277
Mon Jul 23, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with a Developer
Replies: 48
Views: 3547

Re: Investing with a Developer

Not having control of the construction process would absolutely terrify me. My biggest fear would be having the developer agree with the contractors to charge more for your house and less for the ones being built directly for the developer.
by mak1277
Mon Jul 23, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9516

Re: Dealing with HOA Notice

My point is this....if a notice says "do [something] or you will be fined," then my response is to ignore it. If I get fined, so be it, but odds are nobody will follow-up. I'm not suggesting that someone ignore multiple communications, fines, etc. But there's no reason to act on the first one. Gues...
by mak1277
Mon Jul 23, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9516

Re: Dealing with HOA Notice

I have had very good luck simply ignoring "notices" given to me by my HOA. I am 3 for 3 in doing nothing and having no negative results for things like this. I will not follow the above advice. A grandmother was evicted from a 55+ retirement community because she took in her grandchildren after som...
by mak1277
Mon Jul 23, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9516

Re: Dealing with HOA Notice

I have had very good luck simply ignoring "notices" given to me by my HOA. I am 3 for 3 in doing nothing and having no negative results for things like this.
by mak1277
Mon Jul 23, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17068

Re: Salary vs. Lifestyle

But the way companies and other organizations operate, job satisfaction increases up the salary ladder and stress increases down the ladder. Victoria I have found that to be my experience. Down the ladder, you are the ping pong ball. Up the ladder you are the paddle. Which would you rather be? I th...
by mak1277
Mon Jul 23, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17068

Re: Salary vs. Lifestyle

I think there is a lot of conflating "stress" with "effort" in this thread. Perhaps a higher level job isn't more stressful, but it is almost certainly more effort. Some people would prefer to make a lower (but still high) salary and choose not to expend additional effort in terms of working hours, ...
by mak1277
Fri Jul 20, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2245

Re: The other side of stock buybacks

Don’t we Bogleheads always tell people to sell their shares as soon as they vest? Then why should it be any different for CEOs? Bingo. I guess CEOs aren’t allowed to be Bogleheads. My wife is down a level or two from CEO; is she allowed to sell on vesting? Sheesh! Seems like it could be a good argu...
by mak1277
Fri Jul 20, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17068

Re: Salary vs. Lifestyle

All this talk about stress vs. salary...it seems like the OP has a pretty good read on his choices, and that they know the higher paying job carries more work/stress than the current job. So it's not a theoretical exercise.
by mak1277
Fri Jul 20, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Financial transparency
Replies: 19
Views: 945

Re: Financial transparency

wrongfunds wrote:
Fri Jul 20, 2018 10:43 am
How many more replies this topic will generate before it gets locked? I am guessing 13 more. How about you?
It's such a bummer...all the threads I'm actually interested in following get locked :)
by mak1277
Fri Jul 20, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Financial transparency
Replies: 19
Views: 945

Re: Financial transparency

I just get concerned about things like that. If i can afford a 700k house but i want a 300k house, are the women allowed to accuse you of living like a pauper because of that? Yes, absolutely you can be accused of that. "living below your means" is not the lifestyle that everyone chooses to pursue....
by mak1277
Thu Jul 19, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5095

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

Am I the only one interested in what watches are in the collection? :) Me too! Fair question! Lots of Rolex probably over 10 now 1 Patek Philippe Several Omega Several Jaeger Le Coultre Several Universal Geneve Vintage Chronographs, Pocket Watches, etc Lots of assorted modern and vintage Seiko I'm ...
by mak1277
Thu Jul 19, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5095

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

Am I the only one interested in what watches are in the collection? :)
by mak1277
Wed Jul 18, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 3572

Re: Europe travel Qs

Use any leftover cash to pay (part of) your hotel bill and avoid having to change it back to USD.
by mak1277
Wed Jul 18, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17068

Re: Salary vs. Lifestyle

This is such a personal thing and depends hugely on how much time the new job will cut from your overall working life. For me, I'd rather work 10 low stress years than 5 high stress years. But I'd rather work 5 high stress years than 20 low stress years. It's all about finding whatever the inflectio...