Search found 549 matches

by Dave76
Sat Jun 01, 2013 8:32 pm
Forum: Personal Consumer Issues
Topic: How does one sell a silver tea set?
Replies: 11
Views: 4322

Re: How does one sell a silver tea set?

vpotus wrote:Hi all,
I wouldn't set it out on display. It isn't my style. I'd like to sell it to someone who might appreciate it.
VP
Use it when you have company over. I would use it daily.
by Dave76
Tue May 28, 2013 4:58 pm
Forum: Personal Consumer Issues
Topic: Used Car Purchase...Please Help
Replies: 33
Views: 3425

Re: Used Car Purchase...Please Help

I would keep the Civic and wait until used car prices drop. Used car prices are too high right now.
by Dave76
Mon May 13, 2013 4:20 pm
Forum: Personal Consumer Issues
Topic: I got to thank a WWII Veteran today.
Replies: 30
Views: 2690

Re: I got to thank a WWII Veteran today.

I'm favorable to them as well. But everybody's got a viewpoint.

[OT link removed by admin LadyGeek]
by Dave76
Wed May 01, 2013 8:20 am
Forum: Personal Consumer Issues
Topic: How do I sell a painting?
Replies: 21
Views: 2794

Re: How do I sell a painting?

It's a down-market at the moment. I would wait until it rebounds. Why sell now and take a loss?
by Dave76
Sun Apr 28, 2013 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: College Time has arrived... and we need some advice.
Replies: 51
Views: 5209

Re: College Time has arrived... and we need some advice.

I agree. I get so angry when people question a liberal arts type of degree. As a scientist, I do too. The devaluation of the liberal arts is I think a factor in why we are graduating so many science majors who cannot think. Blame Sputnik and the myth that we were falling behind the Soviets. Higher ...
by Dave76
Sat Apr 27, 2013 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: College Time has arrived... and we need some advice.
Replies: 51
Views: 5209

Re: College Time has arrived... and we need some advice.

Living on campus is overrated. The only reason young people desire it is so they can escape the watchful eye of their parents.
by Dave76
Mon Apr 22, 2013 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Explaining College Options to your Kids (x2)
Replies: 9
Views: 1360

Re: Explaining College Options to your Kids (x2)

I've tried to instill in my middle and high schoolers that their goal should be to do the best they can and to strive for college. Going to college is no guarantee for happiness and success but more than likely will give them a better chance of making their own career choices rather than having to ...
by Dave76
Mon Apr 22, 2013 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Explaining College Options to your Kids (x2)
Replies: 9
Views: 1360

Re: Explaining College Options to your Kids (x2)

Geeez... They're not even out of the womb yet. I wouldn't explain any of that to them until they get to high school. One or both may be mechanically minded, not academically minded. I would let them decide for themselves. Tertiary education is not for everybody. I couldn't stand the ersatz food I wa...
by Dave76
Sat Apr 20, 2013 7:49 pm
Forum: Investing - Theory, News & General
Topic: Any Reason Not to Invest in a 529?
Replies: 53
Views: 4538

Re: Any Reason Not to Invest in a 529?

If your children don't go to college, you will have to pay income tax on it.
by Dave76
Thu Apr 18, 2013 10:51 am
Forum: Personal Investments
Topic: Is there a disadvantage to using one 529 for 2 kids?
Replies: 29
Views: 2842

Re: Is there a disadvantage to using one 529 for 2 kids?

I think it's a mistake to use a 529 plan. The consequences (tax) of children not attending college are too high to be investing in that type of scheme. And those 529s are too limited. Almost everyone needs some kind of post-high school job training these days, even if it's not a university or four-...
by Dave76
Thu Apr 18, 2013 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Money & Relationships
Replies: 69
Views: 8149

Re: Money & Relationships

There's been a relatively recent shift in US history where we are finding more female partners out earning their male partners, so as a culture, we're still figuring out how it changes traditional relationship roles and whether it creates more or less opportunity and/or conflict. Thanks, BFG Great....
by Dave76
Thu Apr 18, 2013 10:09 am
Forum: Personal Investments
Topic: Is there a disadvantage to using one 529 for 2 kids?
Replies: 29
Views: 2842

Re: Is there a disadvantage to using one 529 for 2 kids?

I think it's a mistake to use a 529 plan. The consequences (tax) of children not attending college are too high to be investing in that type of scheme. And those 529s are too limited.
by Dave76
Tue Apr 16, 2013 12:47 pm
Forum: Investing - Theory, News & General
Topic: VG Pays $28k for "Movers & Shakespeare"
Replies: 30
Views: 3439

Re: VG Pays $28k for "Movers & Shakespeare"

I think it's a good idea. E.D. Hirsch makes the case for it in his book 'Cultural Literacy'. "There is a tide" {in the affairs of men."} -- Julius Caesar. This was once business-speak for selling or buying now or........ Businessmen understood this 80 years ago. Today, they don't. Tod...
by Dave76
Mon Apr 15, 2013 7:35 am
Forum: Personal Consumer Issues
Topic: Going to London
Replies: 26
Views: 3191

Re: Going to London

Swampy wrote:
Don't even think of driving!
I lived and drove there for years. British drivers are more careful than American drivers, and the road signage is excellent. I'd much rather drive in the UK than in Italy or Greece.
by Dave76
Thu Apr 11, 2013 9:02 pm
Forum: Personal Consumer Issues
Topic: Would appreciate Bogleheaded advice on a vehicle purchase
Replies: 48
Views: 4531

Re: Would appreciate Bogleheaded advice on a vehicle purchas

Forester is a good choice but only get new. Just from this year's model do they have CVT. Otherwise, older models are all 4 speed which is horrible on gas. The CVT feels like you're driving a motorboat. A 4 speed isn't bad. Heck, my car has 3 speeds. The problem with multispeed automatics (5+ speed...
by Dave76
Thu Apr 11, 2013 10:37 am
Forum: Personal Consumer Issues
Topic: Would appreciate Bogleheaded advice on a vehicle purchase
Replies: 48
Views: 4531

Re: Would appreciate Bogleheaded advice on a vehicle purchas

I like the previous generation Kia Sportage. I believe 2010 was the last year of that model.
by Dave76
Thu Apr 11, 2013 10:33 am
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 2885

Re: Keep Old Car or Buy Newer Used Hybrid

Bogleheads think that old cars are people killers. Well, new cars are wealth killers. I would continue to run the '92 Honda to the ground. If it works, why buy new? Your car probably has ABS, and you can probably replace the airbag for a few hundred dollars. If you have deep pockets, then buy a new ...
by Dave76
Wed Apr 10, 2013 9:09 am
Forum: Investing - Theory, News & General
Topic: A reason to hold bonds in taxable accounts?
Replies: 10
Views: 1217

Re: A reason to hold bonds in taxable accounts?

livesoft wrote:
And I think we know that 47% of folks do not pay federal income taxes.
No, but it sure feels like we do.
by Dave76
Mon Apr 08, 2013 4:42 pm
Forum: Personal Consumer Issues
Topic: San Francisco with kids?
Replies: 39
Views: 3347

Re: San Francisco with kids?

Do you really want to bring your family there? I wouldn't spend a night in San Francisco.

A guidebook might be a good idea.
by Dave76
Mon Apr 08, 2013 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 6109

Re: Buying a car for my daughter

I would make sure the vehicle has electronic stability control. http://www.iihs.org/ratings/esc/esc.aspx I have a car with electronic stability control and I don't think it works very well. I think it's an expensive and overrated feature. Field data (on the actual fleet of cars on the road) indicat...
by Dave76
Sat Apr 06, 2013 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife keep working or become a stay-at-home mom?
Replies: 112
Views: 12616

Re: Should my wife keep working or become a stay-at-home mom

FatherOf2 wrote:
We're really on the fence. Anything else we should be thinking about?
Yes. Why don't you quit your job and become a stay-at-home dad? Let her be the breadwinner. That's what I would do.
by Dave76
Thu Apr 04, 2013 8:04 pm
Forum: Personal Consumer Issues
Topic: Living in a "shoebox"
Replies: 36
Views: 4925

Re: Living in a "shoebox"

I thought about the RV idea as well. I'm not sure if it would conflict with employment and state residency/domicile status.
by Dave76
Thu Apr 04, 2013 2:59 pm
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 6109

Re: Buying a car for my daughter

An old, cheap car should be good enough for a teenager who's just driving around locally. A friend of mine had a '77 Plymouth Volare, which proved to be a safe and dependable car. I don't see any reason to go overboard. What happened to the paperboy and babysitter who saved up some cash and bought a...
by Dave76
Mon Apr 01, 2013 1:09 pm
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 6109

Re: Buying a car for my daughter

b4nash wrote:I would make sure the vehicle has electronic stability control.

http://www.iihs.org/ratings/esc/esc.aspx
I have a car with electronic stability control and I don't think it works very well. I think it's an expensive and overrated feature.
by Dave76
Mon Apr 01, 2013 1:05 pm
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 6109

Re: Buying a car for my daughter

Newer cars have all the latest gadgets and other features that distract the driver. Electrical outlets for phone and laptop and iPod, satellite navigation displays, numerous cup holders, etc.

I would go with an old car.
by Dave76
Sun Mar 31, 2013 1:03 pm
Forum: Personal Consumer Issues
Topic: College Admissions - Affecting Your Planning?
Replies: 59
Views: 4414

Re: College Admissions - Affecting Your Planning?

It shouldn't. The vast majority of people are not Ivy material.
by Dave76
Tue Mar 26, 2013 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Are you Walking in your Father's footsteps?
Replies: 83
Views: 10487

Re: Are you Walking in your Father's footsteps?

I read an article about this recently and I think for Gen Y and beyond the average person now actually has a lower standard of living than their parents for the first time ever. Can't remember where I read that, though. I thought that started with Gen X. I think that, in a way, it's a good thing. A...
by Dave76
Tue Mar 19, 2013 11:20 am
Forum: Personal Investments
Topic: Financial advice for a newbie high earner
Replies: 78
Views: 12072

Re: Financial advice for a newbie high earner

$550k. So, that's why I can't get an affordable health insurance plan. :oops:

PM Larry Swedroe. He is well-liked and respected on this forum.
by Dave76
Sun Mar 17, 2013 4:03 pm
Forum: Personal Consumer Issues
Topic: 2013. CR-V or RAV4.
Replies: 7
Views: 1721

Re: 2013. CR-V or RAV4.

Neither. Too many recalls on Hondas and Toyotas. The quality has gone downhill.
by Dave76
Wed Mar 13, 2013 9:52 am
Forum: Personal Consumer Issues
Topic: europe trip
Replies: 62
Views: 8933

Re: europe trip

Take the kids to Disneyland Paris--win/win You mean lose/lose. They can see that here. International travel is a good experience for the kids. I began traveling around Europe at age 4. My parents wanted to take us to Israel in 1987, but the Intifada broke out. So we went to Disney World instead. I ...
by Dave76
Wed Mar 13, 2013 1:05 am
Forum: Investing - Theory, News & General
Topic: "The Affluent Investor." A Gem
Replies: 27
Views: 15771

Re: "The Affluent Investor." A Gem

I have found that sooner or later every adviser who is in business to serve clients rather than themselves adopt the same investment strategy - a broadly diversified portfolio of low-cost index funds tailored to each client's needs. Rick Ferri Just buying stock index funds is not a strategy. Beside...
by Dave76
Tue Mar 12, 2013 8:43 pm
Forum: Investing - Theory, News & General
Topic: "The Affluent Investor." A Gem
Replies: 27
Views: 15771

Re: "The Affluent Investor." A Gem

With colleges and universities pricing themselves ever farther out of the market, I think the 529 will be useless as an investment vehicle for middle class people.
by Dave76
Tue Mar 12, 2013 12:49 pm
Forum: Personal Consumer Issues
Topic: Lionel Trains and your Crystal Ball
Replies: 21
Views: 2831

Re: Lionel Trains and your Crystal Ball

I was given an HO gauge train set as a Christmas present in 1984 (I'm 36). I loved it and the kids in my neighborhood loved it. I agree with the other posters; it's a generational thing. Howdy Doody toys attracted a lot of collector interest, but are no longer in demand. I thought trains were timele...
by Dave76
Tue Mar 12, 2013 8:53 am
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 4354

Re: How much of a price do you put on vehicle safety?

Volvo's legendary reputation for safety no longer stands out in the crowd. My parents bought a Volvo in 1984, and that was the very first car in our family that was equipped with shoulder belts for the rear seat passengers. That was rare in those days. My top-of-the-line 1987 Chrysler doesn't have t...
by Dave76
Mon Mar 11, 2013 12:26 am
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 4354

Re: How much of a price do you put on vehicle safety?

Your all metal Buick/Ford from the 80s is NOT safer than a modern sedan with. Just because your car is made of metal and gets 10mpg, that doesnt mean it protects you-- all it means is that all the force of the collision is conducted directly to you through the engine block. Cars are designed to cru...
by Dave76
Sun Mar 10, 2013 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 7857

Re: "Strategic divorce" for tax-purposes for 2 physicians

Thank you Dave76 -- that is the question. This whole thread is sad. Do we really need to be reminded that marriage is not an economic transaction? Sure, it has purely economic advantages and disadvantages, but that is not the same thing....But if you need real downsides, maybe one is that once she ...
by Dave76
Sun Mar 10, 2013 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 7857

Re: "Strategic divorce" for tax-purposes for 2 physicians

Can any physicians chime in? Especially regarding malpractice protection. Thanks for the link regarding social security benefits, that was helpful. Although I think most of those benefits "lost" would only really be helpful to couples where one is a high earner, and the other is not worki...
by Dave76
Sun Mar 10, 2013 4:52 pm
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 4354

Re: How much of a price do you put on vehicle safety?

What do you do when shopping for a vehicle? I'm cheap and prefer old cars. So, to make up for the lack of modern safety features, I buy large (eg. 1985-1989 Lincoln Town Car). It works for me. This is a myth. The older cars big or small don't have the modern crumble zones. In the older cars you tak...
by Dave76
Sun Mar 10, 2013 4:30 pm
Forum: Personal Consumer Issues
Topic: How much of a price do you put on vehicle safety?
Replies: 83
Views: 4354

Re: How much of a price do you put on vehicle safety?

squirm wrote:
What do you do when shopping for a vehicle?
I'm cheap and prefer old cars. So, to make up for the lack of modern safety features, I buy large (eg. 1985-1989 Lincoln Town Car). It works for me.
by Dave76
Sun Mar 10, 2013 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 7857

Re: "Strategic divorce" for tax-purposes for 2 physicians

I wouldn't do it. Maybe I'm old fashioned, but marriage means more to me than that. Some things in life are just more important than dollar signs on an account statement. Well, if he's seriously considering this, then his marriage may be on shaky ground. Side note -- How much money does one childle...
by Dave76
Sat Mar 09, 2013 3:17 pm
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 29994

Re: Any Minimalists on here?

Perhaps it would be best to define the term. Is a Minimalist someone who only consumes 'essential' goods and services?
by Dave76
Sat Mar 09, 2013 11:49 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 29994

Re: Any Minimalists on here?

I suspect the word "minimalist" is a synonym for "frugal" on this post. Well i have proof that i am a minimalist as my wife uses another synonym...... "cheap" . Reminds me of a lunch I had a few years ago with a group of Bogleheads. I was relatively new to the group an...
by Dave76
Fri Mar 08, 2013 10:24 pm
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 29994

Re: Any Minimalists on here?

I suppose I'm a Minimalist. I prefer the word 'thrifty'. :)
by Dave76
Fri Mar 08, 2013 10:01 pm
Forum: Personal Consumer Issues
Topic: KIA Optima Passenger Seat
Replies: 27
Views: 17817

Re: KIA Optima Passenger Seat

Adding to what Jeffyscott posted -- It probably feels low because the window sills on late model cars are high. I've noticed that with a number of late model cars I've driven. I wonder if this was done to improve safety. I also notice it when I'm sitting along side them in my '87 Chrysler. Their win...
by Dave76
Fri Mar 08, 2013 5:46 pm
Forum: Personal Investments
Topic: Am I financially ready to buy this house?
Replies: 40
Views: 3238

Re: Am I financially ready to buy this house?

$950k for a two-family house sounds reasonable. However, as a Westchester County native, I could never imagine anybody wanting to live in NYC. There are better places to raise children.
by Dave76
Thu Mar 07, 2013 4:14 pm
Forum: Investing - Theory, News & General
Topic: Indexes continue to beat active management
Replies: 14
Views: 1315

Re: Indexes continue to beat active management

You can't take any defensive measure with index funds. Help me understand the difference between defensive measures and market timing. A lot of people took defensive measures in 2008 and are just getting back into the market now. When you've got a fund that comprises 50% stocks in one sector, you'r...
by Dave76
Thu Mar 07, 2013 1:04 pm
Forum: Investing - Theory, News & General
Topic: Indexes continue to beat active management
Replies: 14
Views: 1315

Re: Indexes continue to beat active management

They both have their pros and cons. You can't take any defensive measure with index funds. The Russell 1000 index comprised 50% tech stocks in 2000. And many Bogleheads hold active funds. That tells you something. I'm sure many more Bogleheads hold active funds; they just don't admit to it for fear ...
by Dave76
Wed Mar 06, 2013 4:34 pm
Forum: Personal Investments
Topic: Are you concerned....
Replies: 32
Views: 3113

Re: Are you concerned....

I'm concerned about unemployment and underemployment and the effect they have on the stock market. We live in a consumer-driven economy. Stocks can't perform well when people can't/won't consume. When people don't have much money, they buy less. There... That's as apolitical as I can get on this thr...
by Dave76
Sat Mar 02, 2013 9:46 pm
Forum: Personal Consumer Issues
Topic: Places in Europe to hike
Replies: 6
Views: 851

Re: Places in Europe to hike

Switzerland -- Mt. Engelberg, Stanserhorn, Pilatus, Titlis, Rigi. http://en.wikipedia.org/wiki/Engelberg I hiked all of them as a child. The nice thing about Swiss mountains are the restaurants on top. Each mountain has a restaurant. If you're looking to start small, the Stanserhorn is the best choi...
by Dave76
Sat Feb 23, 2013 3:14 pm
Forum: Personal Consumer Issues
Topic: The most reliable 4-door sedan in 2013 is Camry?
Replies: 57
Views: 7997

Re: The most reliable 4-door sedan in 2013 is Camry?

postby wjwhitney » Thu Feb 21, 2013 11:54 pm "Reliability" is no longer a concern. The least "reliable" 2013 cars are light years ahead of the most reliable cars of 20 years ago. I never heard that said before, but would love to know your basis for saying so. I don't have a lot ...