Search found 1773 matches

by investingdad
Tue Jun 25, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 5514

Re: Dental implant... almost done!

OP - I understand that dental hygiene is important with an implant. Did your dentist give you any special instructions? And congratulations! I've made the decision, after decades of no dentist visits, to go twice per year with the implant in place. It's basically to allow a professional to check it...
by investingdad
Tue Jun 25, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 521
Views: 68542

Re: What lifestyle creep made you happier?

Paying to upgrade work travel from coach to first on my own dime for domestic flights.

Two nice family vacations per year while the kids are still young.

Music lessons for me.
by investingdad
Tue Jun 25, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 5514

Dental implant... almost done! COMPLETE!

There were a few posts over the last year on dental implants and I chimed in on a few. I'm now nearing the finish line on my implant. Summary... broke top front tooth as a kid, had a root canal and then permanent crown at 18, failed badly two summers ago with abscess and clear signs of prior infecti...
by investingdad
Mon Jun 24, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 18889

Re: what was your worst major purchase? mine is a 2019 mazda3

Aside from our first house, my first car. A 1984 Renault Alliance, stick shift, that I bought in 1990. For a six year old car, what a pile of poo.

I sunk a lot of money into repairs as a high school student, including a new clutch.
by investingdad
Sat Jun 22, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 6593

Re: Do you Casino? What do you play? Have you won?

gwe67 wrote: Sat Jun 22, 2019 1:22 pm I gamble my money in the "Wall Street casino," as a gold seller's radio ad refers to it. I keep winning.
:sharebeer

I hear that.
by investingdad
Sat Jun 22, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 18889

Re: what was your worst major purchase? mine is a 2019 mazda3

HYAL stock back in 1999 when I was 25 and not fully in mutual funds yet. I was shortly after. Our first house was a strong contender as well, but we broke close to even after 8 years there. That was a terrible purchase for non financial reasons. The day I walked out for the last time was probably to...
by investingdad
Sat Jun 22, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Do you Casino? What do you play? Have you won?
Replies: 82
Views: 6593

Do you Casino? What do you play? Have you won?

Just wondering who visits casinos, what you play, and if you've won (or lost) any sizeable amount. I only go when we're cruising, which we did not long ago. I only play blackjack because I feel like I'm making some decisions about what's happening. My limit is one visit per cruise, max $40 playing $...
by investingdad
Wed Jun 19, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 14105

Re: With hindsight, what signs indicated you were about to lose your job?

True story. Years ago, we had significant layoffs in my organization. I didn’t get hit, but many did. Funny thing is, a month or so before layoffs, copies of “Who Moved My Cheese?“ started appearing on the break room tables. 😂 Same here. We actually had team meetings to discuss "Who Moved My Cheese...
by investingdad
Tue Jun 18, 2019 10:10 pm
Forum: Investing - Theory, News & General
Topic: happy when the market is down - want to understand
Replies: 42
Views: 3939

Re: happy when the market is down - want to understand

I think it's a case of people trying to self soothe and are looking for others to confirm everything is going to be ok.

Sure, it's a buying opportunity. But I don't enjoy watching 20% of my portfolio evaporate just so I can buy my next monthly purchase at discount.
by investingdad
Tue Jun 18, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 14105

Re: With hindsight, what signs indicated you were about to lose your job?

I think I may have somebody watching over me. My 2nd job out of college (what a clown organization that was) I was let go. But an interesting path to get there. I was actually part of another company that was acquired. I survived that round of layoffs though my boss didn't. He was a tool. Was part o...
by investingdad
Sat Jun 15, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10785

Re: Article on high deductible health plans - and the math

For us, the HDHP with HSA works very well. We regret not utilizing the HSA as a tax sheltered investment vehicle sooner, but we have been for the last 7 or 8 years now. It's invested in two conservative index funds. That said, my wife and I are both well compensated and fiscally disciplined. I can s...
by investingdad
Thu Jun 13, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 12744

Re: Retired at 35 and have no friends :(

retiredjg wrote: Thu Jun 13, 2019 11:49 am Goodness gracious! The first post was only about 12 hours ago!

:oops:
Well it's not like he's at work.

Hahaha. Sorry.
by investingdad
Thu Jun 13, 2019 5:22 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 12744

Re: Retired at 35 and have no friends :(

Shocking as it is, work provides purpose.

Maybe get a job?

Are you married?
by investingdad
Tue Jun 11, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 4288

Re: Sports classes in Universities

I went to Big 10 U in the 90s and once you hit 18 credits, additional credits were no cost. I loaded up on P.E. classes when I could. I took bowling, archery, ice skating, badminton, and racquetball through 4 years of engineering school. Got pretty good at racquetball pretty quickly. Loved doing tho...
by investingdad
Sat Jun 08, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: How did you adjust to your kids moving out?
Replies: 11
Views: 1201

How did you adjust to your kids moving out?

We are still a few years away from the kids moving out, daughter starts high school in the fall and son goes to 7th grade. But we were at her 8th grade recognition yesterday (she was among a handful that recieved the highest academic award for carrying straight As all three years taking Honors cours...
by investingdad
Wed Jun 05, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 7106

Re: What do business pros wear on redeye Business Class flights

I'm just a peon. The only time I've made a point to dress formally on a flight was on the corporate jet when an executive was along. And on the return flight I took the cue and switched to jeans, button down untucked, and sport jacket which came off as soon as we got on the jet. I've flown with my m...
by investingdad
Tue Jun 04, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 51
Views: 5595

Re: Being given charity that I don't need

Another +1 for a gratuity. There's a strip mall Chinese restaurant near me that has remarkably good sushi. I often order the same combination of sushi along with whatever my family is getting. I've noticed over the years the size of the sushi I get has gotten steadily larger. When I eat in at one of...
by investingdad
Tue Jun 04, 2019 6:02 am
Forum: Personal Consumer Issues
Topic: New refrigerator noise is driving us nuts
Replies: 32
Views: 2793

Re: New refrigerator noise is driving us nuts

Our Samsung French door makes noise, but not unacceptably so.

I'd return it or sell it. Life is too short to deal with noise (I hate noise).
by investingdad
Mon Jun 03, 2019 5:56 am
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2855

Re: Golf interest rekindled after decades - My son created a monster! Now what?

Ah yes bcc 1234 .... right on in terms of speed of play… our group has an open invitation for anyone. We have about 15 regulars ranging in handicaps from +2 up to over 20… Regardless of handicap, no one enjoys playing with a golfer who A. Plays slow (aka the human rain delay) B. Goes dark and whiny...
by investingdad
Sat Jun 01, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2855

Re: Golf interest rekindled after decades - My son created a monster! Now what?

I started golfing at 23 when my former college roommate took me out. It took a few times but I was hooked. From 23 to 29 I was playing 3 rounds a week. Got married and played maybe a round a week. My wife joined me occasionally. Daughter showed up at when I was 32 and only got out a handful of times...
by investingdad
Sat Jun 01, 2019 7:55 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 8308

Re: $3k for teen club soccer

I think I'm out of touch. I remember kicking the soccer ball around with siblings and friends and having a blast. We were too poor to even dream about paying for sports. School teams was the only other option possible. All of this money spent, and we still don't have a competitive soccer team in th...
by investingdad
Thu May 30, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 8308

Re: $3k for teen club soccer

I think I'm out of touch. I remember kicking the soccer ball around with siblings and friends and having a blast. We were too poor to even dream about paying for sports. School teams was the only other option possible. All of this money spent, and we still don't have a competitive soccer team in th...
by investingdad
Thu May 30, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 8308

Re: $3k for teen club soccer

I think I'm out of touch. I remember kicking the soccer ball around with siblings and friends and having a blast. We were too poor to even dream about paying for sports. School teams was the only other option possible. All of this money spent, and we still don't have a competitive soccer team in th...
by investingdad
Thu May 30, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 8308

Re: $3k for teen club soccer

Funny you mention the camps. My son and one of his friends on the team both do Nike soccer camps in the summer. My wife and I agreed to it because it gets him out of the house over the summer, and he loved it last two summers. I never considered it as a place to "be noticed", just something fun to do.
by investingdad
Thu May 30, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 8308

Re: $3k for teen club soccer

My son joined a travel team as a U8, so second grade. He's finishing up 6th grade this month and he's part of a group of seven boys that have been on the team from the start. The coaches are two dads with sons on the team. Cost is a few hundred dollars for Fall and Spring seasons. None of them are s...
by investingdad
Wed May 29, 2019 5:59 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult...1000 hours in...

Not much new in my musical journey other than plenty of practice, lessons, and etudes. I did record myself playing this short piece as I thought it sounded nice and I enjoyed the change in speed. https://drive.google.com/file/d/1rdcnvAFkzu6Z2ptxkwigl0h7VbtjsXL5/view?usp=drivesdk Sounds good, as if ...
by investingdad
Tue May 28, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Used Miata as a daily driver, terrible idea?
Replies: 44
Views: 2658

Re: Used Miata as a daily driver, terrible idea?

I've got an 04 Mazdaspeed Miata I bought new. The convertible aspect is fine, but not the main point of the car. It's primarily lightweight and handles really well. It's also harsh on rough roads. Sports car but not high powered, you can make it quite fast with about $3500 of Flyin Miata stuff, thou...
by investingdad
Tue May 28, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11869

Re: Paying Kids For Good Grades -- do you do it?

No, but...

My daughter is wrapping up middle school this month. In 12 marking periods over three years she got a single B and the rest A's.

She asked for a $150 purse as a reward for her hard work, I think she earned it.
by investingdad
Tue May 28, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult...1000 hours in...

Not much new in my musical journey other than plenty of practice, lessons, and etudes.


I did record myself playing this short piece as I thought it sounded nice and I enjoyed the change in speed.

https://drive.google.com/file/d/1rdcnvA ... p=drivesdk
by investingdad
Mon May 27, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: 29 year old engineer introduction and seeking advice
Replies: 29
Views: 4486

Re: 29 year old engineer introduction and seeking advice

Way, way underpaid. You've been working 3 years? I'm a chem E (age 45) and was making 54k at age 27, that was back in 2001. We are hiring new grad Mech Es at my mega Corp for more than you are being paid right out of college. Small companies are the worst, often using "loyalty" and "like a family" t...
by investingdad
Sat May 25, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Windows for Noise Reduction
Replies: 36
Views: 2860

Re: Windows for Noise Reduction

Depending on how much noise and what frequency, you may find the problem isn't the windows but the walls. New construction uses lightweight sheeting which isn't helpful for noise abatement.
by investingdad
Wed May 22, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5632

Re: I evaluated taking SS at age 62 versus age 70

goblue100 wrote: Wed May 22, 2019 9:02 am
investingdad wrote: Wed May 22, 2019 8:31 am
Some starting data:
- I'm 45
- will stop working at 54
i'm all for long term planning, but I suggest looking at this in about 15 years.
Well...I actually started thinking about this in my 20s which is what I credit to being where we are now.
by investingdad
Wed May 22, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5632

Re: I evaluated taking SS at age 62 versus age 70

jeffyscott wrote: Wed May 22, 2019 8:55 am Are you able to evaluate having the low earner take it at 62 and the high earner at 70?
My wife and I have very similar earnings over the years, the delta in benefits is shown to be trivial.
by investingdad
Wed May 22, 2019 8:40 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5632

Re: I evaluated taking SS at age 62 versus age 70

FlyAF wrote: Wed May 22, 2019 8:34 am With 78 million dollars, why do you give a rip?
We don't have anything close to 78 million and don't expect to, it's the high side outlier on FIREcalc.
by investingdad
Wed May 22, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 80
Views: 8155

Re: Financial Movies and Shows

I really liked Downton Abbey, but I'm unclear on the financial tie in.

Trading Places and Wall Street are classics and It's A Wonderful Life is overlooked for the bank run that sets everything in motion for George Bailey.
by investingdad
Wed May 22, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5632

I evaluated taking SS at age 62 versus age 70

I downloaded the detailed social security calculator and used my earning history to get a proper estimate of retirement benefits and plugged results into FIREcalc. My goal was to evaluate taking benefits at 62 versus 70 and how that changed the results. Some starting data: - I'm 45 - will stop worki...
by investingdad
Tue May 21, 2019 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 21651

Re: Very High Net Worth, elite private or “good” public

I always look at it this way. What kind of school did I attend? Rural, public school. How were the academics? Ok, nothing special. How was the environment? Fine, what you'd expect for a rural school. Did it prep me for college? Yes, attended B10 for engineering. What about my wife? Same story. How a...
by investingdad
Tue May 21, 2019 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 15764

Re: Should I encourage my kids to work in high school/college?

I worked summer jobs in high school at the local burger king.

I enjoyed it.

I worked the crummiest job summer before college, and that motivated me to study in college so I would not wind up there as an adult.
by investingdad
Fri May 17, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6710

Re: Guidance on choosing between UMich and Brown

You have to search within yourself to see if you are open to humiliation at the hands of The Ohio State University every November. Good point but at least at both Brown and UM one won't be distracted by following football. You both are going to have to use shorter sentences if you want the banter t...
by investingdad
Fri May 17, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 6710

Re: Guidance on choosing between UMich and Brown

I'm a PSU grad. While I will acknowledge that UM is very strong academically and probably carries a bigger prestige factor than State U, there is no way it hangs with Brown. Sorry, but no.

If that's important to the OP, it's gotta be Brown.
by investingdad
Fri May 17, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58713

Re: Selling home- Demanding Buyer (Repairs)

Quick background. Home is currently under contract. Due to competing offers, price went above ask price by $25k. Under contract at $475k. Buyer came in with a strong offer- cash, no appraisal. No appraisal was very good for us because I was concerned that appraisal might not hit $475k even though t...
by investingdad
Fri May 17, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58713

Re: Selling home- Demanding Buyer (Repairs)

Thank you folks. Do you think adding this clause would be a sensible thing for me to do? 'Given the delays due to weather and environmental health being short staffed on inspectors, Seller agrees to credit buyer the amount of funds needed to pass inspection which will be determined by a written est...
by investingdad
Thu May 16, 2019 6:00 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 495
Views: 58713

Re: Selling home- Demanding Buyer (Repairs)

If you're going to offer something for the septic, I'd offer cash. I wouldn't do the repair myself. Let the buyer take over responsibility. If it goes poorly or it needs more work, it's on them. You just pull out the appraisal and reports and advise you're not an expert and made a cash offer based o...
by investingdad
Wed May 15, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12314

Re: Do you reward yourself for achieving a financial goal?

Hi, Like the title says, did you ever buy luxury for as a reward? Like a nice rolex when reaching 250000 net worth or a new BMW at 500000 or something like that? Seriously? You're going to drop 10% of your net at 500k to buy a car? It's like the one young manager at our mega Corp that got promoted ...
by investingdad
Wed May 15, 2019 8:03 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 434
Views: 280021

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

We were mid 30s during this whole mess. Both gainfully employed. We continued to max 401k accounts and I made no changes to my portfolio. I admit I was not maxing my IRAs out of concern. Our decision to buy less house than we could afford in 2002 was suddenly looking pretty smart. Otherwise, we just...
by investingdad
Mon May 13, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Help me figure out cotton shirt mystery
Replies: 21
Views: 2671

Re: Help me figure out cotton shirt mystery

^^ A change in the yarn spinning technology would potentially have the largest impact on the feel of the fabric, although I would have expected that to lead to a more raspy feel rather than what you describe as waxy. A hand-builder added after bleaching could also alter the feel, but I would have e...
by investingdad
Mon May 13, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Help me figure out cotton shirt mystery
Replies: 21
Views: 2671

Re: Help me figure out cotton shirt mystery

I'm particular about my cotton t shirts as well. I've noticed in recent years that some 100% cotton shirts almost feel like a cotton/synthetic blend. They feel very soft and supple, and thin, but they don't seem to breath very well. And if I sleep in them, my skin feels sweaty. Other cotton t shirts...
by investingdad
Sat May 11, 2019 6:52 am
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 436
Views: 118708

Re: If your net worth is over $3 million, how did you do it?

We have a shot at hitting 3 million by the end of 2019. I need about a 3.5% market gain plus our normal contributions to break it. We'll be 46. - engineering and business degrees for wife and I - good paying jobs in our field, but not crazy high, we broke 100k each around age 40 - saved about 25% of...
by investingdad
Wed May 08, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9579

Re: Anyone else looking forward to Game of Thrones?

I got to be honest, I'm tired of going to major news websites to be greeted with articles on the home page about the show as if it were news.