Bogleheads.org

WildBill

So, just got some great news, our oldest child has been accepted into two top US universities and will be choosing between them for her undergraduate education. (These are both private universities; we did explore our state university and we determined that for her field of study, the private schoo...

WildBill

Howdy Do not give in. Keep doing what you are doing until they have to drag you off. But do not be dumb. Stay in shape and accept the lower level of performance gracefully and channel the competitiveness more to maintaining fitness and form and enjoying the events rather than winning. Get lots of re...

WildBill

Howdy When I have taken on moderate DIY projects that I had no experience with I usually ended up wishing I had not. You do not have the equipment or domain knowledge. Savings not that great. Potential for expensive damage to utilities. You will get probably it done, but there may be some drama. I a...

WildBill

Howdy

Whiskey, women and carousing.

All self correcting downward with age, unfortunately.

Laissez les bon temps roulet

W B

WildBill

Howdy

Good to see you back, and good to see how well things are working out for you.

Time to consider moderately aggressive IRA to Roth conversions while you remain in such a low tax bracket.

Good luck

W B

WildBill

I lost more than a million dollars [at one point] in 2020. If I lost a million dollars, I'd be looking for a free bus to the food bank! edit: Clearly we are not in the same tax bracket! Howdy If one had circa $4 million invested in equity assets in February 2020 one would have had a loss on paper o...

WildBill

I agree about the AA thing as this has been noted many years ago as a flaw of i-ORP along with the workaround to keep AA the same for all accounts as a band-aid for that problem. I don't use any of the tools for long-term planning anymore. I just decide each year to convert to the top of my unavoid...

WildBill

Howdy

Couch is toast. Fooling with it is overwhelmingly likely to be time and energy wasted.

Insurance will cover it minus deductible. Fuss at apartment company about covering deductible. Might work.

Smile and move on.

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WildBill

I've been looking into the ARK ETFs and this forum is a place I tend to look for financial opinions. The posts I've seen here, unsurprisingly, have negative sentiments toward ARK funds. Bogleheads are happy to have money in passive low ER funds. I followed that advice for a while but it ended up le...

WildBill

Howdy

That was the idea

WildBill

I've been looking into the ARK ETFs and this forum is a place I tend to look for financial opinions. The posts I've seen here, unsurprisingly, have negative sentiments toward ARK funds. Bogleheads are happy to have money in passive low ER funds. I followed that advice for a while but it ended up le...

WildBill

OP has evolved into a Bogleheadian being of pure light. A Bogluminescentian. Only very few reach this level. I can only hope someday that I can leave the darkness of my impure AAPL position with the cost basis of 13.45, and become Bogluminescent like OP. I hate myself for my weakness. Howdy Know ye...

WildBill

Hi guys, I am closing on both commercial R/E and house within a day apart. I am wondering what I should close first because i dont want closing on house or etc to affect closing on building later on or vice versa. Also is it possible to delay closing date for a home? If seller is ok? Howdy Timing o...

WildBill

I'm doing some annual financial planning and at the top of my list is securing umbrella insurance for >$25M in net worth. Has anyone done much due diligence around providers and determined the best set of options? Would be great to limit my quote-gathering from just a few of the most highly-regarde...

WildBill

Howdy

In same position a year ago. I told the sales guy I wanted to pay cash, he said financing I got $1500 off, I said I hate loans, he said “Dummy, take the financing and discount and pay it off next week.”

I did

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WildBill

Howdy All good so far. As one person noted the charge dispute process is not so great. This being the case we charge everything where we might have disputes, eg travel, rental cars and Amazon purchase and similar to AMEX Blue. AMEX has the best charge dispute goons around. Pay the bills off every mo...

WildBill

As everybody is fretting over new highs, I would like to have a somewhat different take on this. The market has gone up tremendously over the past few months and is close to all time highs. We have had a black swan event last year and hopefully things will get better on that from here on. So barrin...

WildBill

Why not just give them a call? Impossible to reach a human. Howdy In my experience it is certainly possible, but be prepared for about a 10-20 minute wait. I have called about seven times over the past 5 years, left phone line open while working on something else and spoke with a human. In each cas...

WildBill

Some of the claims here are probably anecdotal and do not necessarily apply to all situations or people that had a warranty issue corrected a long time ago. The North Face warranty for example is only for manufacturing defects and workmanship - there are many stories regarding denied warranties onl...

WildBill

Howdy

Hyundai Sonata Hybrid. Lifetime warranty for original owner.

Just had blown electrical relay replaced at 95,000 miles. Only repair it has ever needed.

Cost $0

It will outlive me.

Happy motoring

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WildBill

Howdy This is all anecdotal, so here goes. Have had AAA for 20+ years, various problems and breakdowns all handled well and promptly by AAA. Most recent was on Christmas Eve, when a relay in hybrid blew, shutting car down. AAA answered promptly, no phone tree, nice lady named Vanessa who handled eve...

WildBill

Golf. I play with someone who loves to gamble and is particularly bad at it. So I get paid to play golf, though the hourly rate isn't that great. Golf if you can work at course. I mow greens 2 mornings a week, about 2 hours a day, for minimum wage plus free golf and cart. I play about 4 rounds a we...

WildBill

Howdy 45 years in the business. Deal is tax advantaged, if you need a write off. Highly unlikely to cash flow. 100K will be relatively cheap for tuition in investing in oil and gas. Positive ROI is unlikely, to put it mildly. I would not touch it with a 10 foot pole. As several have said, if this op...

WildBill

Howdy

Organ donor card

Happy riding

W B

WildBill

Howdy

If things work out like I hope, the spend on the party I am planning should not insignificantly affect GDP.

All Bogleheads invited, but for you bunch of cheapskates it will be BYOB.

W B

WildBill

I find the American approach to living so refreshing. Living in a country so vast and culturally different yet still obtaining just one passport - a huge benefit. Have to say since becoming a BH I am astounded that each state had it own tax? As an Englishman - I would say generally speaking it woul...

WildBill

Howdy

Maybe next 10 years will have lower returns, maybe not.

If you do think so,what action are you going to take?

WildBill

Howdy Post is a bit confusing. As I read it you are planning to buy a house maybe in 10 years and you are trying to spec how much you can pay then based on hypothetical investment returns, or something like that? That doesn’t make much sense, so I may have missed the actual question. If that is he c...

WildBill

Howdy

Arithmetic and rule of 72 handles 99% of the analyses.

None of it is particularly complicated, unless you insist on complicating it.

Happy figuring

W B

WildBill

Nah. I just hang around here to pick up girls.

W B

WildBill

Howdy

100K is pretty light to do much.

My advice would be to look for some guys who are putting together a syndicate or limited partnership to buy a property.

Then analyze the deal. You will learn a lot,whether or not you invest.

Good luck

W B

WildBill

Howdy

By all means go for it!

Us retired guys need all the overachievers we can get to maintain solvency of Social Security!

W B

WildBill

Howdy I am pretty pro-real estate, having been invested in it in various forms for over 40 years. I like it for cash flow and as an inflation hedge. Different characteristics - Raw land - highly illiquid and unleveraged speculation. Minimal time consumption. Commercial real estate - Analyze on the l...

WildBill

Howdy We turned our garage into a gym, as we are no longer going to the gym. TRX, pull up bar, mats and scrounged up dumbbells. Got a Matrix E 30 elliptical. Decent price and it looks to be very good quality. Nice piece of gear and star of the gym. Great when it rains, and for interval workouts and ...

WildBill

Burr grinder. Fresh grind every time. Fresh roasted beans, light or medium, from local roaster. Central America, Ethiopia, Indonesia, etc. Boil water, don't measure temperature or anything. Pour over a Melitta paper filter, currently through a Bee House ceramic filter cone. Don't weigh the beans or...

WildBill

Howdy

You are a nice guy who tried to do the right thing, but it is not working.

Not your roof anymore. Time to shut up and disengage.

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WildBill

If you count the principal payoff of 10k per year then it’s a positive thing financially. I can also write off depreciation on taxes. But even if it wasn’t financially positive, I would want to keep the house in SoCal in case I move back. Howdy Do some more research. You will almost certainly not b...

WildBill

Howdy

The Man Who Fell to Earth

I thought David Bowie was awesome in the lead

WildBill

Howdy I think luxury is a term that means different things to different people. For me, it means comfortable and especially reliable and hassle free. My greatest luxury is time, and dealing with time consuming/expensive automobile maintenance and repairs is something to avoid. For me Lexus = luxury....

WildBill

Why is investing in Growth shunned on this forum? It makes no sense. If you go 100% VTSAX and no International, the consensus on this forum is that you are owning the entire market, even though its only a slice and you are picking the US as a winner If you tilt Small Value, the consensus on this fo...

WildBill

You may find this article about Chuck Feeney interesting. https://www.forbes.com/sites/stevenbertoni/2020/09/15/exclusive-the-billionaire-who-wanted-to-die-brokeis-now-officially-broke/#32efff693a2a Thanks for the link. I found it interesting. What a generous man..... Chuck Feeney is a mensch

WildBill

If this is so, why not invest in Real Estate rather then Stocks? Howdy Lots to like about real estate However: Real estate cons Lack of Liquidity Expenses - taxes, maintenance, repairs Difficult to find properties at right price Management requirement Expensive to buy and sell Potential tenant issue...

WildBill

Howdy As many have noted, too much driving and high probability of bad weather in Co and Utah. How about shifting south a bit away from potential bad weather and driving less- Sample itinerary for a loop through southern NM, up to Grand Canyon and back through Southern Colorado Carlsbad Caverns Whit...

WildBill

Tanqueray for a gin & tonic. Beefeater for a martini. Both great tasting and reasonably priced. After the first drink it doesn’t matter anyway :P You know what they say about martini's right? One martini is all right. Two are too many, and three are not enough. My current favorite is something ...

WildBill

I’m enjoying it immensely. I sleep as long as I like, then sit around all morning reading and sipping coffee. I do some light household chores in the PM, and at night I read more and watch TV, usually news and old movies, no network TV. I listen to music too. Except for the chores I haven’t worked ...

WildBill

Howdy

TRX rig if you have a place to hang it and use it.

WildBill

I know there is another long thread addressing a similar situation but reading through it just increases my agita. In general I am an index-fund, passive investor. But last year when I had a bit of cash in my Roth I bought some Tesla on a whim. I thought/think it is possible that it will become ext...

WildBill

A few things that work for me: 1. Find a project of interest where I can have more or less complete autonomy. Usually this is a project that I pitch and team that I manage. I enjoy seeing my ideas take on a life of their own. 2. Know when you can afford to take it easy. Sometimes I'd work no more t...

WildBill

Howdy We started with the Nevada plan about 16 years ago when they were the cheapest on ER. Now NY is pretty good, cheaper than Nevada. That being said, Vanguard has whittled the fees down on the Nevada plan every year, and I anticipate they will continue to do so. Nevada plan is plenty cheap, and t...

WildBill

Howdy

An knowledge of financial history and it’s vagaries and unpredictability, a recognition of my own ignorance, an investment policy of sloth, inattention and frequent napping, and frequent and moderate doses of whiskey.

Happy coping to all

W B

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