Search found 511 matches

by Maverick3320
Sat Aug 17, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Lisbon cheap compared to many of the cities Western Europe?
Replies: 20
Views: 3070

Re: Why is Lisbon cheap compared to many of the cities Western Europe?

catalina355 wrote:
Fri Aug 16, 2019 6:00 pm
Watty wrote:
Fri Aug 16, 2019 4:43 pm
Probably because it is one of the poorest countries in Western Europe.

https://en.wikipedia.org/wiki/List_of_s ... per_capita
GDP per capita is not the same as cost of living.
In your opinion, why is Lisbon so much cheaper?
by Maverick3320
Thu Aug 08, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Lender won't give rate with pre-approval
Replies: 11
Views: 677

Re: Mortgage Lender won't give rate with pre-approval

Go through a mortgage broker. They will supply a pre-approval letter and likely a better rate than your credit union (and if not, you can always go with the credit union). They won't make you pay an upfront fee. How does this process work? Any suggestions on who we should use? I've used LendingTree...
by Maverick3320
Thu Aug 08, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Lender won't give rate with pre-approval
Replies: 11
Views: 677

Mortgage Lender won't give rate with pre-approval

Morning everyone. The lady and I are looking at buying a house through a local credit union that we have both banked with for years. We've been house shopping for around six months now and our previous pre-approval with said credit union just expired. When we went to renew the pre-approval, the cred...
by Maverick3320
Mon Aug 05, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7277

Re: Financial anxiety and next steps in relationship

You write as if only men in the position to make difficult financial decisions with regard to relationships. Cyclesafe was responding to a man's post and offering the male point of view, I don't see how the post was written "as if only men in the position to make difficult financial decisions with ...
by Maverick3320
Mon Aug 05, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7277

Re: Financial anxiety and next steps in relationship

Many men have faced this Hobson's choice and will do so in the future. OP should google elsewhere to see how men have (for better or worse) handled (or wish they had handled) this situation. Google it for what, so he can find his way over to toxic "redpill" communities filled with losers and bitter...
by Maverick3320
Sun Jul 21, 2019 5:54 am
Forum: Personal Finance (Not Investing)
Topic: MBA worth it?
Replies: 93
Views: 7081

Re: MBA worth it?

DoctorPhysics wrote:
Sun Jul 21, 2019 12:00 am
Hi there, just like the title says.. is an MBA worth it? They look very expensive, 75k/year to 200k/year if I read what I browsed correctly.

So is an MBA worth it? As in a worthwhile investment on future career growth and likely income?
Which MBA are you seeing that costs $200,000 a year?
by Maverick3320
Sat Jul 20, 2019 4:29 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 165
Views: 20454

Re: Ray Dalio’s latest fearmongering round

Ah yes, MMT or more aptly the Magic Money Tree. Funny how countries that issue their own currency have defaulted before such as Russia and brazil. And since deficits don't matter for the magic money tree acolytes then we should print enough to buy the entire world's production of goods and services...
by Maverick3320
Wed Jun 19, 2019 5:52 am
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6181

Re: Are you a member of nextdoor.com? Any concerns registering your info?

We have two accounts, one for home and another for the area our rental is in. Its great, and better than Yelp or Angies list. Apparently in some rich neighborhoods nothing happens so the posts are mostly lost pets and "I saw a strange man walking around" :happy Yes, there's a lot of racial profilin...
by Maverick3320
Mon Jun 10, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4461

Re: Thinking of leasing bmw 3 series

Have you considered a Tesla model 3 lease? $400/mo.! Just to point out that leasehackr discusses what a terrible deal Tesla 3 leases are... https://leasehackr.com/blog/2019/5/3/breaking-down-teslas-new-399month-model-3-lease-in-depth-analysis "While the new program is certainly better, the money fa...
by Maverick3320
Wed Jun 05, 2019 4:53 am
Forum: Personal Investments
Topic: Pre-Military Seeking Investment Planning
Replies: 49
Views: 2573

Re: Pre-Military Seeking Investment Planning

Military here. Sorry if this has already been mentioned, but one of the best things you could do in terms of investing in yourself would be to get a commission. Check the pay tables and realize they affect every single pension check you will collect for the rest of your life after retirement - possi...
by Maverick3320
Sun Jun 02, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 42
Views: 10336

Re: Prepping a house for sale: What are the priorities?

When I sold my home last year, I had old carpet in the bedrooms that I cleaned myself with a hoover carpet cleaner. The new owner came in and changed all the flooring in the apartment to hardwood in every room so I'm glad I didn't spend any money to replace the carpet. I repainted every room myself...
by Maverick3320
Wed Mar 06, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 8342

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

One cannot generalize about "all 4 year colleges" or "all community colleges". Having taken classes at 6 different colleges myself, you're going to find that professors and classes are all over the map. One of my best professors was an electronics professor at community college. One of the worst, a...
by Maverick3320
Thu Jan 17, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 53
Views: 5478

Re: Netflix Recommendations

Just finished watching "Black Mirror" also. Pretty good, not great; except season 3 episode 4 was off the charts great! Episode 2 (Playtest) was my favorite of that season. Making a Murderer. Wow. The Staircase. Ozark (think it’s Netflix). Making a Murderer: as someone who was convinced that Steven...
by Maverick3320
Sun Jan 13, 2019 10:23 am
Forum: Personal Investments
Topic: Requesting Guidance - 29 y/o military investor
Replies: 20
Views: 1776

Re: Requesting Guidance - 29 y/o military investor

Just out of curiosity - if you are planning to stay in until retirement, why did you elect the BRS? Maverick3320, Great question, I used to ask myself that hundreds of times per week; however, I put a lot of time and research into my decision and I knew the earlier I opted into the system, the more...
by Maverick3320
Sun Jan 13, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3855

Re: Stay in private practice medical or take VA job offer?

No that's not how it works my wife has been a federal employee 15 years and has went through multiple shutdowns under different administrations. 1.) Essential employee's work as normal and get paid just like every other day. 2.) Non-Essential employee's are sent home during the duration or called b...
by Maverick3320
Sun Jan 13, 2019 8:01 am
Forum: Personal Investments
Topic: Requesting Guidance - 29 y/o military investor
Replies: 20
Views: 1776

Re: Requesting Guidance - 29 y/o military investor

Just out of curiosity - if you are planning to stay in until retirement, why did you elect the BRS?
by Maverick3320
Fri Jan 11, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 205
Views: 32587

Re: Millionaire by 40 and How you Did it?

Wrote a book on "how to be a millionaire by 40". Sold one million copies at $1 each on Facebook.
by Maverick3320
Fri Jan 11, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: SS/Pension/etc as bond allocation?
Replies: 25
Views: 1725

Re: SS/Pension/etc as bond allocation?

james22 wrote:
Fri Jan 11, 2019 2:52 am
Nestegg_User wrote:
Fri Jan 11, 2019 1:21 am
OP, you've been here long enough to know...
And you've been here long enough to know this question is never settled. :happy
He's also been here long enough to have 99998 other people named "Andrew" grab a username before him...
by Maverick3320
Thu Dec 13, 2018 5:22 pm
Forum: Investing - Theory, News & General
Topic: New PenFed 2% Savings Account
Replies: 13
Views: 1532

Re: New PenFed 2% Savings Account

Wow, awesome. I'm currently a PenFed member and hadn't seen this. Looks like I might have to shift some money around.
by Maverick3320
Thu Dec 13, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 9900

Re: New job, sales at Subaru

I recommend The Challenger Sale. Most important thing I’d recommend is making sure you know all of the features and trim levels of the cars you sell. There is nothing worse than dealing with a salesman who doesn’t know his own product. Having just been shopping for a car, I second this. Also I was ...
by Maverick3320
Mon Oct 29, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1122
Views: 162758

Re: My 2017 CRV is a victim of the dreaded oil gas dilution issue

He has reached conclusions without contacting the company that warranties the vehicle for defects. There is a method to resolve problems with vehicles through the manufacturer. He has decided to reach conclusions based on his opinion and information from the internet that indicates the problem is a...
by Maverick3320
Thu Oct 18, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 32900

Re: High End Wrist Watches (Gone Crazy)

It always fascinates me that so many people feel the need to barf on any thread that talks about high end watches. "I use my phone" "I don't wear a watch" "A $10 Timex tells time better" Yeah, we get it. It fascinates me that people post on a retirement/living frugal/investing forum about expensive...
by Maverick3320
Thu Oct 18, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 32900

Re: IWC Watch, any thoughts?

A good looking watch! If you can afford it, why not? People disapproving are hypocrites. It is highly likely they are driving a car that is not the cheapest available, yet all cars get one from point a to b. However, I have no input to the specifics of that (or any) watch brand. I'm not sure the an...
by Maverick3320
Thu Oct 11, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 7670

Re: Anyone here major in Economics in college?

Econ is a pretty practical and employable major, if that's what you are asking. In an abstract sense, more respectable than business, but that's mostly because business majors tend to go to much worse colleges - there are econ majors at Harvard and Stanford, but not business, and bottom-feeding sch...
by Maverick3320
Thu Oct 11, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 42
Views: 5536

Re: Pls help us design our family life!!!

Awful hard to help you out when expenses are 10,500 a month and you ask us not to dissect them.

If we can't touch your expenses, my advice is to make more money. Not sure how that will square with you going part time.
by Maverick3320
Wed Oct 10, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Very few junk phone calls in Spain?
Replies: 14
Views: 766

Re: Very few junk phone calls in Spain?

I would guess it has to do with several things: 1) the US is a large, developed, rich nation 2) the number of English speakers in the world > the number of Spanish speakers in the world 3) the locations of call centers (Philippines, India, etc) have a lot of English speakers 4) the US generally has ...
by Maverick3320
Wed Oct 10, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 16239

Re: Sears, a 125 year old company is now a penny stock.

Even before the Internet, maybe early 80's (late 70's ? ) Sears management starting driving their stores into the ground. True of many retail companies, they cut wages and try to sell you cheap crap on every aisle. You can watch greed slowly destroy great companies. I have bought Kenmore and Crafts...
by Maverick3320
Wed Oct 10, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: Does the Boglehead ever see a unique opportunity for investment?
Replies: 17
Views: 1889

Re: Does the Boglehead ever see a unique opportunity for investment?

A Boglehead friend of mine decided to put 5% of his port into BAC when it's stock price went below $1/share at the bottom of the 2008 financial crisis. I almost did too. Price of BAC today = 29.98 a "thirty bagger". When did BAC ever go below $1/share? The reason I ask is that I bought BAC at what ...
by Maverick3320
Tue Oct 09, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 113503

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Thanks for saying something. It invoked such a sad response in me I didn't know how to respond. I do know wages, adjusted for inflation, have stayed basically flat for the last 30 years. Gains in productivity/GDP have not gone to median households. I know Bogleheads tend to be from the fortunate si...
by Maverick3320
Thu Oct 04, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Charles Murray's and Jordan Peterson's book
Replies: 17
Views: 1505

Re: Charles Murray's and Jordan Peterson's book

In before this gets locked because politics...
by Maverick3320
Wed Sep 26, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 5315

Re: 2019 ACA prices out

It may also have to do with lifestyles of the covered. The population is getting older, and 40% of American adults are now obese (in 1990, it was less than 15%). You could make a good argument that Americans have the worst lifestyles in the developed world. A quick google search proves this wrong. ...
by Maverick3320
Tue Sep 25, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 5315

Re: 2019 ACA prices out

Yes - that would be interesting if after the smoke clears, it's ruled that the mandate has to be enforced - do we get a 2019 rebate since the pricing was based on less younger members in the pool. There are also some indications of companies making money on the plans so that points to more stabiliz...
by Maverick3320
Tue Sep 25, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA prices out
Replies: 47
Views: 5315

Re: 2019 ACA prices out

Just got my notice from Kaiser. Unsubsidized bronze for myself, a 62yo male, will be $791/month up from $700/mo this year. Not as bad an increase as I was expecting. Interesting that a measly 12% increase elicits gratitude! I wonder why the prices keep going up? A plethora of rationale is always fo...
by Maverick3320
Mon Sep 24, 2018 3:05 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 113503

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

“For 240 years it’s been a terrible mistake to bet against America, and now is no time to start. America’s golden goose of commerce and innovation will continue to lay more and larger eggs. America’s social security promises will be honored and perhaps made more generous. And, yes, America’s kids w...
by Maverick3320
Mon Sep 24, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 17263

Re: iPhone XS Max

The keynote just ended. $1100 for the cheapest iPhone Xs Max at 64 gigabytes of storage. It looks to be negligibly larger in form than a "Plus" model. I do not understand how Apple can continue to raise prices like this, and I'm a huge Apple fan going on 20 years. You can pre order 9/14 and release...
by Maverick3320
Mon Sep 24, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4698

Re: Ventilated car seats?

I love them. Totally worth it.
by Maverick3320
Fri Sep 21, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 113503

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

this thread has reminded me to buy international this week buy low sell high is nice Could you do just as well by shorting the USD ? “For 240 years it’s been a terrible mistake to bet against America, and now is no time to start. America’s golden goose of commerce and innovation will continue to la...
by Maverick3320
Wed Sep 19, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4390

Re: “Majority of working-age Americans have no retirement savings”

So where do all these retired people that I see all over the US come from? I suspect people do not tell pollsters the truth about their savings. +1 Why in the world would I want to reveal my financial status to a government agency? You don't have to. Since all of your bank and investment accounts a...
by Maverick3320
Sat Sep 08, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4624

Re: Switching Careers - From IT to Police Officer

I have a buddy that did the same thing. He's currently a police officer for a relatively well-paid, fairly low-crime city (Madison, WI). He's burned out. Turns out that responding to three or four domestic incidents in terrible neighborhoods isn't all that fun four nights a week (and you'll be start...
by Maverick3320
Sat Sep 08, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3384

Re: Is it sensible to buy a car from Elon Musk?

His latest interview, if anything, makes me respect/appreciate him more.
by Maverick3320
Thu Aug 30, 2018 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Military career/college options (engineering - nukes?)
Replies: 45
Views: 2950

Re: Military career/college options (engineering - nukes?)

This isn't true...yet. The Army still uses the 2 minutes of push ups, 2 minutes of sit ups, and 2 mile run standard test. The test is scaled to age and gender (still Male/Female as of now). What has changed is that a separate test called the OPAT, taken prior to enlistment/commission, is now requir...
by Maverick3320
Thu Aug 30, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Military career/college options (engineering - nukes?)
Replies: 45
Views: 2950

Re: Military career/college options (engineering - nukes?)

I'll echo some others here and re-emphasize a few things. For what it's worth, I'm a current Army officer. 3) Nukes likely mean Navy. Some Air Force, very little if any Army/Marines. Navy means fairly easy physical training standards (no offense to any Navy folks out there - I agree with the previo...
by Maverick3320
Thu Aug 30, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Military career/college options (engineering - nukes?)
Replies: 45
Views: 2950

Re: Military career/college options (engineering - nukes?)

Lot's of good advice here so far, and no bum dope, except Valuethinker's quip about nukes being quirky and introverted. :happy I'm a Naval Academy graduate and spent 28 years in nuclear powered submarines and wound up being captain of two of them. The first half of my career was on attack submarine...
by Maverick3320
Wed Aug 29, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3561

Re: Just put $100K into TUR. Analysis inside

OP, you ever wrong? If not, you shouldn't be wasting your time on an indexing forum. Buy a yacht and enjoy your riches. :sharebeer BTW, why only $100k? Rarely. Last big call was QAT last year; I defied the embargo and was proven right. Saudi Arabia was jamming fake riyal quotes in November. You can...
by Maverick3320
Wed Aug 29, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3561

Re: Just put $100K into TUR. Analysis inside

I love reading these threads.
by Maverick3320
Tue Aug 28, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9916

Re: Landlord Nightmare

You cannot change the application process. If you normally do not do a "tenant screen/application" you can't just do one on a person randomly. Treat everyone the same. You can't have a separate policies/qualifications for different groups of people. That is discrimination. If I ask for w-2 for peop...
by Maverick3320
Tue Aug 28, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9916

Re: Landlord Nightmare

You cannot change the application process. If you normally do not do a "tenant screen/application" you can't just do one on a person randomly. Treat everyone the same. You can't have a separate policies/qualifications for different groups of people. That is discrimination. If I ask for w-2 for peop...
by Maverick3320
Tue Aug 28, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Landlord Nightmare
Replies: 90
Views: 9916

Re: Landlord Nightmare

You cannot change the application process. If you normally do not do a "tenant screen/application" you can't just do one on a person randomly. Treat everyone the same. You can't have a separate policies/qualifications for different groups of people. That is discrimination. I’m assuming you can chan...
by Maverick3320
Mon Aug 27, 2018 3:12 pm
Forum: Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 29808

Re: What to do after losing $117k in stock market?

JoeNJ28 wrote:
Mon Aug 27, 2018 1:46 pm
What about a mutual fund only account that doesn’t allow you to buy stocks? I know fidelity still has them.
It would be like Congress passing a "balanced budget" amendment. Anything they can do, they can undo. He'll just trade on another platform.
by Maverick3320
Tue Aug 21, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 68
Views: 8002

Re: Are millennial botching their asset allocations?

As a 27 year old who frequents this website, I am not botching my asset allocations. However, I do find concerning the number of my friends/coworkers who have either little to no ability to save, no concern about their retirement, or just trusting their financial advisor blindly. Is it really surpr...