Search found 1283 matches

by investingdad
Thu Aug 24, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: 78% Americans are living from paycheck to paycheck?
Replies: 15
Views: 2369

Re: 78% Americans are living from paycheck to paycheck?

I don't know why it's so hard to believe. I absolutely believe it. It also states "Having a higher salary doesn't necessarily mean money woes are behind you, with nearly one in 10 workers making $100,000 or more (9 percent) saying they usually or always live paycheck-to-paycheck". People have less ...
by investingdad
Tue Aug 22, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? 8 Month Update

I wasn't planning to update for a little while but decided to after watching a video I recorded of myself after five weeks of playing versus a video I recorded at eight months of playing this weekend. Wow. Doesn't even sound like the same instrument. At five weeks, the sound was pretty lifeless and ...
by investingdad
Fri Aug 18, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 2040

Re: Advice on buying a musical instrument

I got attached to the feel and sound of mine because it's the only one I know. So I figured, since my teacher likes how it sounds, it made sense to keep it.

When I upgrade, I'll hold into it even if just for sentimental reasons.
by investingdad
Fri Aug 18, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 2040

Re: Advice on buying a musical instrument

Just to close this out, I ended up buying the violin I've been renting. I elected to get a different bow, still composite like the one I was using but I liked the balance and feel better. He sold me both for $1200, so I'm now the owner of a Romanian violin and American bow. A little research suggest...
by investingdad
Wed Aug 16, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 8138

Re: How does personal wealth affect job hunting?

Well, what I'll say is this.

Every time the market and our portfolio ticks up, my tolerance for the big egos and corporate ladder climbers that I work with goes down.
by investingdad
Tue Aug 15, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 4183

Re: What kind of hotel do you get on business travel?

Typically it's Courtyard Marriott, Hilton Garden, Hampton class of hotels. Same here, plus we use Concur which is the Big Brother of booking Travel. I always look for a Embassy Suites if it's on the accepted list. I research my options because travel is an inconvenience and I've reached that point ...
by investingdad
Tue Aug 08, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Las Vegas Slot Machine Strategy (maximize entertainment value)
Replies: 31
Views: 3154

Re: Las Vegas Slot Machine Strategy (maximize entertainment value)

Man, maybe I'm just too young to realize it, but aside from the addictive nature of gambling and the false dreams of a promising reward, I have no idea why one would choose to play a slot machine for hours on end. I seriously would do anything else than sit in a dark room with lots of noisy dinging...
by investingdad
Tue Aug 08, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? Six Months Progress

Injury Update So I cautiously started playing again about a week ago. Kept each practice short. Happily everything was feeling good...until last night. Of all the things it was chopping up beef for dinner that restrained my wrist. :oops: So as frustrating as that was, I found that rest, stretching, ...
by investingdad
Mon Aug 07, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Collective wisdom on fraud prevention
Replies: 3
Views: 400

Re: Collective wisdom on fraud prevention

Watty wrote:You might want to add these to your list.

Freeze your credit
Never have a debit card.
My identity was stolen in a data breach and used to file a tax return in my name.

Freeze credit and Chex system. Disable phone and electronic access to social security and make it in person in office only.
by investingdad
Sat Aug 05, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 2064

Re: Fence Boundary Issue

In the grand scheme of things, this isn't too bad. If you're going to have the fence people come back probably should just have a survey done and pins put in and be done with it. But, check first if the builder is going to do that eventually. If they are, maybe ask who they use so there's no disagre...
by investingdad
Fri Aug 04, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Fence Boundary Issue
Replies: 24
Views: 2064

Re: Fence Boundary Issue

I hate posting a question on here thinking in going to get vindication for what I'm thinking only to find everyone disagrees with me. It's happened more times than I'd like to admit. Unfortunately, OP, I'm going to have to do just that to you. Sorry! Relying on sod rather than pins from a survey not...
by investingdad
Fri Aug 04, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 30214

Re: A poll: How much money do you want to retire?

We are 44 now.

Targeting anywhere from 52 to 56.

If we get to $5 million or more, I think we are set. If we get to $4 million, I'll have to plan carefully.

In the middle of that are varying degrees of what I think will work.

We are on track, I think, to hit that range.
by investingdad
Mon Jul 31, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: What kind of cleaning service do you use?
Replies: 15
Views: 1890

Re: What kind of cleaning service do you use?

We thought about a cleaning service, but I guess I'm just paranoid about somebody in the house while we are not home.
by investingdad
Sun Jul 30, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 12829

Re: Your "at peace" moments.

I will add a blowing, snowy winter night when I'm staring at the fireplace after my wife and kids are in bed.
by investingdad
Sun Jul 30, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 12829

Re: Your "at peace" moments.

gasman wrote:first sip of a martini on friday afternoon with good weather that I don't have to work the weekend.
I'm a beer guy and don't like martinis at all...but I TOTALLY get this one. :)
by investingdad
Sat Jul 29, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 12829

Re: Your "at peace" moments.

Coffee on my deck before work in the early morning while the birds are singing.

Walking back to the creek in the woods behind my house.
by investingdad
Sat Jul 29, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Lifelock vs Experian vs other
Replies: 12
Views: 3774

Re: Lifelock vs Experian vs other

I've had my identity stolen and a false tax return filed in my name. This was the result of a data breach at a medical records provider. Presumably the same piece of trash created an online social security account ID for me. I became aware of this whole debacle when SS mailed me a letter confirming ...
by investingdad
Wed Jul 26, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 5272

Re: Green Dot cards are ID fraud!

Daftinvestor...ok, fair point. I wasn't trying to level criticism at you, sorry if it came off that way.
by investingdad
Wed Jul 26, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 5272

Re: Green Dot cards are ID fraud!

investingdad- I don't doubt that you are caught up in a fraudulent scheme. I'm trying to understand the "upside" for the thief that sends the card to your home. How do they get money from that? That isn't clear to me either. But not knowing how the scheme works is not a reason to take no action. My...
by investingdad
Wed Jul 26, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 5272

Re: Green Dot cards are ID fraud!

My understanding is a a social security number is required to ACTIVATE the card but if you receive on in the mail it may be part of a marketing campaign whereby you are receiving an un-activated/unloaded card - thus the advise some have given about "just shred and forget". OP: Are you sure your car...
by investingdad
Wed Jul 26, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 2876

Re: Do people really buy foreclosures unseen?

There's a community about a mile from us where the homes sold for up to 500k, LCOL area otherwise.

One home last year was a foreclosure. It was TRASHED on the inside. Counter tops removed, toilets removed, walls ripped up, you name it.

Just a data point...
by investingdad
Wed Jul 26, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 5272

Re: Green Dot cards are ID fraud!

Why I was concerned... Yesterday I recieved a Visa card in the mail with my name on it. It looked real and after researching Green Dot Bank, determined it was. Yes, this is a prepay card. I contacted Green Dot Bank by phone and determined an account was opened using my name, social security number, ...
by investingdad
Tue Jul 25, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Green Dot cards are ID fraud!
Replies: 22
Views: 5272

Green Dot cards are ID fraud!

I've seen threads on here about people getting the cards from Green Dot, not requesting them, etc. Advice has been to shred and forget. NO! I got one tonight and I've documented my identity theft issues on here. I called their horrible customer service and the nice Indian woman didn't know the word ...
by investingdad
Tue Jul 25, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? Six Months Progress

Thanks, JJ. My fear is almost seven months of daily practice is going to be for naught if I have to take weeks off to let my strained tendons heal. One week of vacation in June took three or four days to get back to where I was. I also fear this will keep coming back preventing me from pursuing this...
by investingdad
Mon Jul 24, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Company Vehicle - What would you do?
Replies: 23
Views: 1630

Re: Company Vehicle - What would you do?

If you truly don't need or want the personal vehicle, sell it and cash out. Use the company car for everything.

If you need a second vehicle for "just in case", buy a cheap, high mileage car you don't mind driving in cash and let it sit.
by investingdad
Mon Jul 24, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 10584

Re: Investing Education and Mansplaining

In some ways this reminds of me when I was a kid spending time with my grandparents, aunts and uncles, and older cousin. He was three years older than me and, for that reason, whenever I didn't know how to do something I was told by my grandparents to ask my cousin Mike and he'd show me how to do wh...
by investingdad
Sun Jul 23, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 10584

Re: Investing Education and Mansplaining

My engineering manager is both female and younger than I. No issues for me based on mutual respect.

The OPs daughter will eventually have a rude awakening.
by investingdad
Sat Jul 22, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? Six Months Progress

:( I overdid the practice this week and now my wrist tendons and two little fingers hurt. Always the worst case scenario person, I assume this means I'm done for good. Ok...in reality I'm going to force myself to rest my hand. I can practice open strings and work on smooth bow technique for awhile. ...
by investingdad
Fri Jul 21, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2804

Re: Turned 44...performance against forecast

In 2010 we carried about 120k in home equity. Today it's about 145 or 150k as the mortgage goes down.

Very little net worth is in our home.
by investingdad
Fri Jul 21, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2804

Re: Turned 44...performance against forecast

Getting to 1 million at 39 took continued discipline. Getting to 2 million at 43 was easy. $1 million and a 100% increase in four years is impressive, and not what I would call "easy" by any means....Congrats! I've noticed that I've gone from $830k at age 38 to about $1.6 million now having just tu...
by investingdad
Fri Jul 21, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2804

Re: Turned 44...performance against forecast

Our expenses have gradually ticked up. Our oldest is still six years from college and we've allowed our vacation budget to increase quite a bit. Our youngest is eight years from college and we figure we best get in family vacations while we can. So we are. I would guess our expenses at age 30 pre ki...
by investingdad
Fri Jul 21, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2804

Re: Turned 44...performance against forecast

Well, according to my spreadsheet, at 30 our combined salary was about 120k. It's doubled over the course of 14 years. That's about 5% annually. Salary is split about 55/45 in favor of my wife. We went from saving maybe 25k a year back then to saving about 70k a year today. That includes company mat...
by investingdad
Fri Jul 21, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2804

Re: Turned 44...performance against forecast

The AA is more aggressive than I'd like. It's about 73% equity, 23% bonds, balance cash. I've been trying to rebalance over the last four plus years and have managed to get it down from 85% equity. I now contribute most 401k money to bond funds, but with the rising equity markets it keeps weighting ...
by investingdad
Fri Jul 21, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2804

Re: Turned 44...performance against forecast

Our actuals are higher than forecast as a result of three things. - our salary went up more than expected, so our savings rate was higher. - market returns have been better than my model used. - my wife started getting company stock that outperformed the S&P the last six years. As I mentioned, I act...
by investingdad
Fri Jul 21, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2804

Turned 44...performance against forecast

I joined BH four years ago but have basically followed the principels for the last twenty years. I recently turned 44 and dug up my forecast spreadsheet I made at age 30. The highlights... - at 30, our net was 249k - I was assuming an 8% portfolio return - I forecast a net of 1.2 million at 44 - I f...
by investingdad
Thu Jul 20, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 4405

Investing well for Retirement can be frustrating

I work with other professional folks and I think I figured out one of my personal frustrations with investing for retirement versus other consumption and discretionary spending. A co-worker just bought a very nice luxury car. Not quite 100k but up there. While price wasn't discussed, he was thrilled...
by investingdad
Sat Jul 15, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 21423

Re: How are folks handling the unprecedented rise in the market ?

We're going on a heavily upgraded cruise this Autumn, can't wait.

Back on topic, part of the reason it feels like a big up market, for us, is because we've been in the market for some time now and even smaller gains translate into bigger dollar moves.
by investingdad
Wed Jul 12, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? Six Months Progress

I just wanted to add one other thing I'm proud of. When I first started, my teacher would play some of the pieces along with me. I had to politely ask her not to because it was too distracting. I often ask her to play a practice piece for me when I'm having trouble. Usually after listening to her, I...
by investingdad
Tue Jul 11, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 5408

Re: Family member fleecing Alzheimers victim

This story doesn't surprise me in the least. When my grandmother's health was failing, my cousins (in their 40s) were circling like vultures. Unfortunately for them, their father (my grandmother's son) beat them to the punch by convincing her to name him sole power of attorney. After which he hosed ...
by investingdad
Tue Jul 11, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 2040

Re: Advice on buying a musical instrument

This luthier will give me 100% credit on rental fees if I buy. In addition, he'll take 100% of the purchase price against a future, upgraded purchase if I trade up down the road.

He has a sterling reputation with the local orchestras.
by investingdad
Tue Jul 11, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 2040

Re: Advice on buying a musical instrument

I currently have the two violins I liked best at home as loaners, but after getting them home I gravitated back to the rental.

The luthier is independent and I sought him out, the instructor is independent as well. No school involved.
by investingdad
Tue Jul 11, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 2040

Advice on buying a musical instrument

Rather than put this on my other thread, I thought it would be better served as a stand alone. I'm planning to buy my own violin rather than keep renting. My rental has a sell price of about $1300 or so. I spent yesterday trying out different violins in the under $5000 range. I really wanted to buy ...
by investingdad
Mon Jul 10, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 96
Views: 16983

Re: Can we/should we afford a $2M house?

Which way is the afternoon sun facing? What part of the country do you live in? Folks always neglect this and it's incredibly important. We are in P.A. and the back of our house faces southeast. This means shaded deck in the afternoon and evening and low, winter sun warming the house during the cold...
by investingdad
Fri Jul 07, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? Six Months Progress

Oh, I won't be buying new. His hand crafted violins are way more than I want to spend. Instead I'll be looking at a used instrument. I'm going to try to focus on what sounds good to my ear and feels right when I play it. Once I've selected a violin, I'll look for a bow...otherwise I think it's too ...
by investingdad
Fri Jul 07, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? Six Months Progress

Oh, I won't be buying new. His hand crafted violins are way more than I want to spend. Instead I'll be looking at a used instrument. I'm going to try to focus on what sounds good to my ear and feels right when I play it. Once I've selected a violin, I'll look for a bow...otherwise I think it's too m...
by investingdad
Wed Jul 05, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? Six Months Progress

On violin cost, I've budgeted between 3k and 5k for a used violin and bow. The luthier is going to have a half dozen or so instruments in my cost range to try over the course of an hour or so. Once I've narrowed it to two, he wants me to take them home for a week to try. Only after that point will h...
by investingdad
Wed Jul 05, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25528

Re: Learning an instrument as an adult? Almost Five Month Update

So I probably won't update this thread quite as frequently going forward. But I did want to mention that I've now been doing this violin thing for six months. I continue to do once a week lessons with a very nice teacher. And despite being a 40 something adult, I still get nervous when showing off a...
by investingdad
Tue Jun 27, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2950

Re: Cruise With The Grandkids

Anthem of the Seas by RCCL had a lot of stuff for that age range when we went two years ago.

This year we're doing the Haven with our 12 y.o. and 10 y.o., should be good. Better be for the price.
by investingdad
Fri Jun 16, 2017 7:11 am
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 5855

Re: Turbochargers

And if anyone is interested, for industrial operations where the goal is making air or gas cold....the expander side of the turbo (where the exhaust gas goes in a car application of a turbo) is what's of greatest interest. At the outlet, temperatures go down to the point where air condenses to liqui...