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Re: Whats a good multi vitamin?

My Dr also says they aren't very beneficial. What about Omega/fish oil pills? Are these also not very beneficial? I'm currently taking Ultimate Omega by Nordic Naturals: http://smile.amazon.com/Nordic-Naturals-Ultimate-Omega-softgels/dp/B002CQU564/ref=sr_1_1?ie=UTF8&qid=1427555899&sr=8-1&...
by Go Blue 99
Sat Mar 28, 2015 10:19 am
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 751

Re: Recurring utility bills - How do you pay?

We use autopay for all utilities, as well as credit cards. I think it's a huge time saver. But I also log into Mint often to look for any odd charges.
by Go Blue 99
Sat Mar 28, 2015 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Recurring utility bills - How do you pay?
Replies: 31
Views: 1522

Re: Can I afford a $500,000 house?

I think you'd be fine with those stats, especially if you are expecting any solid salary increases. But I'm also someone whose "biggest financial mistake" was not splurging for the nicer house.
by Go Blue 99
Sat Mar 28, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $500,000 house?
Replies: 25
Views: 2012

Re: What was your costliest investment mistake?

My biggest potential mistake was, ironically, being too financially conservative when buying our home. Our income wasn't high enough at the time to afford a house, so we purchased a townhome in the same subdivision. While we have seen very good appreciation, the homes in our subdivision have seen ev...
by Go Blue 99
Fri Mar 27, 2015 9:24 am
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 135
Views: 12280

Re: Can I afford a $1M house?

I would want to know your job security level, as well as your future career progress. Is there an opportunity for bigger raises?

Personally I like using the rule of mortgage= no more than 3x gross income.
by Go Blue 99
Fri Mar 27, 2015 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 63
Views: 5090

Re: Why 529 plan makes any sense??

(1) Tax-free growth/redemption (2) Tax-deductible (depending on state) contributions (3) Behavioral economics benefits of separating money from bigger pool (4) Signaling effects to intended recipient There are more. Turning it around what do you see as negative about a 529 plan? 4) Then, the childr...
by Go Blue 99
Wed Mar 25, 2015 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 180
Views: 7287

Re: Vanguard Windsor II Fund

I've held Windsor II since 2002 in an IRA. I selected it to fill my Large Cap Value bucket in my AA plan. From threads over the years on here, it seems Vanguard Value Index is the recommended option though for LCV. As our overall retirement accounts get larger, I'll likely move it all into TSM thoug...
by Go Blue 99
Mon Mar 23, 2015 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor II Fund
Replies: 11
Views: 1830

Re: helping adult children with house downpayment

My parents gifted us a 5% down payment for our townhome (back when 5% was the norm). We could have afforded it on our own, but they had the money and offered it to us. It was very generous and we have no regrets.
by Go Blue 99
Thu Mar 19, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: helping adult children with house downpayment
Replies: 30
Views: 2650

Re: State 529 Plan - How much to contribute?

Another Atlanta resident chiming in. We contribute $2k per year to the GA plan, and then put the rest in the Utah plan. I like the ability to slice and dice in the UT plan; otherwise I would be happy with the Vanguard NV or NY plans.
by Go Blue 99
Wed Mar 18, 2015 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: State 529 Plan - How much to contribute?
Replies: 32
Views: 2442

Re: Negotiate daycare rate?

A well-regarded place like Goddard will likely give you the car salesman line for popular models. "If you don't want to pay X, I can easily find someone else that will".
by Go Blue 99
Wed Mar 18, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: Negotiate daycare rate?
Replies: 24
Views: 2141

Re: What won't you pay with Credit Card?

I always use cash to pay for drinks at a bar. I've had many friends forget to close out their tab at the end of the night. Or had bartenders accidentally add other people's drinks to their tab.
by Go Blue 99
Sun Mar 15, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8166

Re: Which 529 plan are you using?

GA up to the tax deduction, UT after that.
by Go Blue 99
Fri Mar 13, 2015 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 49
Views: 2853

Re: BEWARE-Dell Computer Tech Service (India)

bertie wooster wrote:Instead of calling it "Dell tech service (India)" you could just call or Dell tech service.


+1. It's very odd that OP is doing that.
by Go Blue 99
Wed Mar 11, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3368

Re: At what point is it too much house? How much do we need

I have quite a few family members and friends that own houses over 4k square footage. None of them have ever told me they've regretted buying such a big house. On the flip side, I have had people tell me they regret buying a smaller place. They are usually young parents with growing families. They e...
by Go Blue 99
Mon Mar 09, 2015 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4632

Re: Anyone had your home appraised recently?

We had a PenFed re-fi done in the fall. The appraisal came in at $348k or so. Zillow shows $525k. I think much of it is due to Zilllow categorizing it as a SFH, when it's actually a townhouse.
by Go Blue 99
Fri Mar 06, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone had your home appraised recently?
Replies: 23
Views: 1713

Re: Buy home in area with only good PK-8 public schools?

We are in a similar situation. We live in a school district that has a great elementary school, but mediocre schools after that. We are debating when to move to a better school district (baby is only 1). We love it in this neighborhood and would like to delay our move as much as possible, but I also...
by Go Blue 99
Fri Mar 06, 2015 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 2786

Re: Can I afford it?

With your financial stats and savings rate, of course you can afford it. We're not talking a Ferrari here. But you could put that money to other use in a much better way. We purchased a new SUV right before baby recently came along. I'm a big car guy and heavily researched luxury brands Infiniti and...
by Go Blue 99
Tue Mar 03, 2015 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5616

Re: Talking Salary Tomorrow - HELP!

It doesn't sound like you are going to get much of a bump at the present company. As much as you may fear change, your best bet for a much higher salary would be to move to another company.
by Go Blue 99
Tue Mar 03, 2015 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2643

Re: Favorite chocolate candy

Dark chocolate, at least 72%. Ghirardelli and Endangered Species make good quality dark chocolate at a reasonable price.
by Go Blue 99
Sun Mar 01, 2015 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Favorite chocolate candy
Replies: 51
Views: 3512

Re: Do you consider mortgage payments as savings?

When I calculate our savings rate, I only include extra mortgage payments.
by Go Blue 99
Sat Feb 28, 2015 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20086

Re: What % of your gross income do you spend on mortgage/ren

We will be at 12% after our raises kick in next month. This includes taxes, insurance, and HOA.

Wife is already talking about buying a house if/when we have another kid, so eventually this number will increase. I'd like to keep it under 20% of gross.
by Go Blue 99
Tue Feb 24, 2015 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8982

Re: Who's going to Disney this summer?

Our daughter is not even 1 yet and the future Disney experience is already stressing me out :) I'd love to go off-peak due to better weather and lower prices, but we'll have to work around her school break schedule.
by Go Blue 99
Tue Feb 24, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5080

Re: Help! I can't afford to eat on my South Beach vacation

We were in South Beach for a bachelor party a few months ago. One of the best meals we had was at Maoz on Washington Ave. This is a falafel joint that is very popular and very cheap (they have locations in NYC and Paris also that I've been to).
by Go Blue 99
Tue Feb 24, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: Help! I can't afford to eat on my South Beach vacation
Replies: 60
Views: 5065

Re: What video games are you currently playing?

mindboggling wrote:I don't think I've ever played a video game. But I'll bet their...like...totally awesome...y'know.


I think you are getting your stereotypes mixed up :wink:
by Go Blue 99
Thu Feb 19, 2015 2:55 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 10725

Re: What video games are you currently playing?

I'm still playing Grand Theft Auto 5 on the PS3. I'm about 45% complete, but I only play about 30 minutes per week.
by Go Blue 99
Thu Feb 19, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 10725

Re: Keurig-cup coffee makers - why?

I'm the only one in my household that drinks coffee, so having the one cup option is great. I also like variety- I don't want to pick one bag of grounds and be stuck with that flavor for months. This way I get to drink 4-5 different brands and flavors per week. Also, if you are on Slickdeals.net, yo...
by Go Blue 99
Fri Feb 06, 2015 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12285

Re: anyone here been to the Super Bowl?

Regardless, if your team wins or loses, tell us about your experience at the Super Bowl. :beer We got back late Monday night. We had an amazing weekend, highlighted by that game ending (happened on my side of the field also). Seattle fans outnumbered Pats fans by probably an 8-1 margin. They even h...
by Go Blue 99
Wed Feb 04, 2015 9:42 am
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2589

Re: anyone here been to the Super Bowl?

petrico wrote:
Go Blue 99 wrote:(I'm a Patriots fan).

I'm ssssssort* of sssssssssurprised* you're willing to admit that, lately, lest your integrity be questioned. ;-)

* hiss of deflating balls


Yep, I really hope I'm not feeling deflated after the game next Sunday :wink:
by Go Blue 99
Sat Jan 24, 2015 7:58 am
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2589

anyone here been to the Super Bowl?

My brother-in-law generously surprised me with a Super Bowl trip last night (I'm a Patriots fan). He is covering the big stuff and I'll just have to pay for meals, drinks, parking, etc. This will be my first (and probably only) trip ever to watch the Super Bowl in person. Any tips or advice? I'll be...
by Go Blue 99
Wed Jan 21, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: anyone here been to the Super Bowl?
Replies: 23
Views: 2589

Re: What's Your International % and Why?

35% of equity. I came up with this after reading Four Pillars over a decade ago.
by Go Blue 99
Mon Jan 19, 2015 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 12254

Re: spousal or partner frugality comparison poll

I spend more money than she does. However, whenever I want to buy something, I am detailed about doing research, reading reviews, and finding deals/coupons, etc. For example, I've been researching a new pair of Nike sneakers for the last 4 months, but haven't pulled the trigger yet. My wife doesn't ...
by Go Blue 99
Mon Jan 19, 2015 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: spousal or partner frugality comparison poll
Replies: 18
Views: 1865

Re: Net Worth Survey, 2015 Edition

Very interesting chart. The average results are significantly higher than all the U.S. statistical data one might found about individuals/families'wealth This begs two questions: 1) Is this because the people in this forum do not represent the average person, therefore the sample is skewed? What is...
by Go Blue 99
Fri Jan 16, 2015 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 24053

Re: When your spouse isn't quite as frugal as you

OP- I used to be in a similar situation. My wife goes out to lunch 4-5 times a week. This annoyed me as I try to pack my lunch every day, and only eat out one lunch per week. But I told myself I need to get over it. She has a stressful job and uses that lunch out to relax. We can also afford it, and...
by Go Blue 99
Thu Jan 15, 2015 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8836

Re: Keeping CC Receipts

I keep restaurant receipts in a small bin. I toss them every 2 months or so. While I do monitor mint.com for high charges, I don't go through the hassle of matching up every receipt to the posted amount (that sounds painful).
by Go Blue 99
Mon Jan 12, 2015 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Keeping CC Receipts
Replies: 45
Views: 3756

Re: Do you generally spend more when using credit cards?

I wish there were an option for "spend less when using credit cards".
by Go Blue 99
Wed Jan 07, 2015 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2793

Re: Most/Least Boglehead 2014 Activity?

Most: thanks to some Boglehead PenFed threads, we re-fi'd to the 5/5 ARM and are saving $450 a month (and had zero closing cost)

Least: spending a large amount on eating out, as usual
by Go Blue 99
Wed Dec 17, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9668

Re: I Can't Smell The Coffee [one cup coffee maker]

I like re-fillable K-Cups for this reason. You still get to enjoy the fresh smell of grounds when you fill it up.
by Go Blue 99
Wed Dec 10, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: I Can't Smell The Coffee [one cup coffee maker]
Replies: 36
Views: 4935

Re: mother-in-law wrecked our car

In our state, the accident is tied to the car owner, not the driver. So GEICO says they won't go after MIL's insurance company. Any idea how much of an insurance spike we could see? Our record is very good (no at-fault accidents, no tickets, high credit score). Doubt this is literally true. Based o...
by Go Blue 99
Fri Dec 05, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5753

mother-in-law wrecked our car

The good news is nobody was hurt, and that our baby wasn't in the car with her. But my MIL was staying with us for a week, and took out our Hyundai Santa Fe (less than one yr old) out for an errand. She came back into our driveway, and believes she accidentally hit the gas instead of brake. She smas...
by Go Blue 99
Fri Dec 05, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: mother-in-law wrecked our car
Replies: 52
Views: 5753

Re: Tell me about FitBit - is it worth having?

My wife likes the social aspect of it. Her close friends are on there and the app has built-in competitions with your friends for most steps.
by Go Blue 99
Sat Nov 22, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2881

Re: What to prepare for first baby due next month?

Congrats, our little one is 8 months old. One thing we focused on before arrival was taking care of house projects/cleaning that we kept putting off. We knew we weren't going to have time after. So we cleaned up drawers and closets, etc that hadn't been touched since we moved in years ago. We also t...
by Go Blue 99
Thu Nov 20, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 6952

Re: Vanguard launches new offering ... [Vanguard merchandise

mcblum wrote:The last thing i want is for every body in the world to know where i stash my dough.
marty


Yep, can't wait for this thread in a few months: "I wore a Vanguard shirt to the gym, and the next day my accounts were cleaned out!" :wink:
by Go Blue 99
Wed Nov 19, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 16113

Re: How often do you go out to dinner?

We typically eat out on Fri and Sat nights.
by Go Blue 99
Tue Nov 18, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 6731

Re: Vanguard launches new offering ... [Vanguard merchandise

Finally! And items are cheap and appear to be high quality materials also.

For those of you that have ordered- please post your product review when the item comes in.
by Go Blue 99
Tue Nov 18, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 16113

Re: Relatively new here. What did you do in 2008/09

I was 100% equity at that point and made no changes. I just rarely looked at my balances :)
by Go Blue 99
Tue Oct 14, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10564

Re: What have you done to cut costs this year?

This has been our best savings year to date (knock on wood), despite having a baby back in March. - Decided to use grandparents instead of private daycare, saving $1600/month - Refi'd our mortgage with PenFed, saving $450/month - Negotiated with DirecTV, saving $20/month - Negotiated with U-Verse, s...
by Go Blue 99
Tue Oct 14, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 13045

Re: What services like Amazon Prime do you share to save?

If you are an iPhone user, the new iOS8 allows you to share apps, music, and books with family members.
by Go Blue 99
Tue Oct 14, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: What services like Amazon Prime do you share to save?
Replies: 17
Views: 2606
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