Search found 589 matches

by Go Blue 99
Thu Aug 27, 2015 1:15 pm
Forum: Personal Consumer Issues
Topic: Recommendations for steam mop
Replies: 18
Views: 2040

Re: Recommendations for steam mop

I just reviewed the new Bissell 1544 for Amazon, and think it works great. We had a more expensive Haan steam mop before that, but this one works better:

http://www.amazon.com/gp/product/B011LS47SA
by Go Blue 99
Fri Aug 21, 2015 8:19 am
Forum: Forum Issues and Administration
Topic: Better way to view oldest unread post in a thread?
Replies: 12
Views: 1262

Re: Better way to view oldest unread post in a thread?

Go to the "Forum" link and navigate to the specific forum. To the left of each thread title is a circular icon. Click that icon and it will take you to the first unread post in that thread. I finally discovered that feature about a week ago, and it's been a life-changer (at least from a s...
by Go Blue 99
Mon Aug 17, 2015 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Is Savings rate better calculated via Gross or Net?
Replies: 23
Views: 1737

Re: Is Savings rate better calculated via Gross or Net?

I prefer to use Gross. Calculating using Net can be thrown off based on your pretax deductions (401k, health, flex spending acct, daycare spending acct, etc).
by Go Blue 99
Sun Aug 16, 2015 12:28 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 4012

Re: Laptop Recommendation

I would go with a SSD no matter what brand of laptop you buy. In terms of programs and start-up/shutdown speed, I think this is the best upgrade you can make. Once you go SSD, you won't go back to spinning hard drives.
by Go Blue 99
Fri Aug 14, 2015 9:57 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 14
Views: 1512

Re: Backdoor Roth: How Long To Wait For Conversion?

I put the traditional in a Vanguard Money Market Fund. I convert to Total Stock Market in Roth on a day when the market is down. It's usually within 1-2 weeks.
by Go Blue 99
Thu Aug 13, 2015 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3709

Re: Is 401K Match included when someone asks you how much you make per year?

When I submit my salary (whether it be for an anonymous survey, employer review site, etc), I only consider base salary + bonuses. We get a very generous 401k match, but I consider that part of the overall benefits package. I would definitely consider the 401k match though if I were comparing compen...
by Go Blue 99
Thu Aug 13, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6565

Re: Your First Job

First paying job was being a paperboy for The Patriot Ledger.

First job that came with an actual paycheck was being a stock boy at a retail chain called Caldor (no longer existing).
by Go Blue 99
Tue Aug 11, 2015 3:31 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 11653

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

AP story just released: -- NEW YORK — Good news for existing Verizon customers: You'll still be able to get discounted phones for $100 or $200 by renewing a two-year service contract. That part wasn't clear when Verizon announced Friday that new customers will no longer get discounted phones, but th...
by Go Blue 99
Mon Aug 10, 2015 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to get laid off[? company laying people off with good severance package]
Replies: 28
Views: 3736

Re: How to get laid off[? company laying people off with good severance package]

I was going to leave my job to go back to school. They were having layoffs and someone said I might as well offer to take the layoff package - it would be better for me and for someone that didn't get laid off. I asked my boss and he said it was all right with him if HR agreed. I asked HR and they ...
by Go Blue 99
Wed Jul 29, 2015 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 8676

Re: Who are you able to share good financial news with?

Good financial news including exact numbers? My spouse. My parents. And anonymous personal finance message boards.

Good financial news but no exact figures? Close extended family, and a former co-worker who shares my hobby of personal finance.
by Go Blue 99
Mon Jul 20, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - help with term life insurance
Replies: 32
Views: 2192

Re: Baby on the way - help with term life insurance

We have similar numbers to you. We ended up choosing 30 year terms for $1M each. I used Zander Insurance to get quotes, and I'm paying about $950 annually while my wife pays about $600.
by Go Blue 99
Thu Jul 16, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 512
Views: 102280

Re: That Frugal Thing You Do

One frugal action I've made was moving from a HCOL city to a MCOL city. Even though I love and miss my hometown, I had decided that I didn't want to live in an area where owning a nice single family home was going to be difficult.
by Go Blue 99
Wed Jul 15, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 7015

Re: I tipped 15% and got a dirty look

We do 15% for standard service, and I don't recall ever getting a bad reaction from the staff. We actually do about 22-23% for excellent service.
by Go Blue 99
Thu Jul 09, 2015 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much to save?
Replies: 42
Views: 5342

Re: How much to save?

You also need to decide if you want all of your savings to go into retirement accounts only. There are often other shorter term items to save for also, such as home down payments, renovations, kids' college, big vacations, etc.
by Go Blue 99
Sat Jun 13, 2015 8:33 am
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1785

Re: comp time for weekend work/travel?

Does your company give you comp days if you have to travel or work out of town on weekends? Would you expect to get comp days, or would you just consider it part of your normal duties? I'll be in that situation soon (will lose 3 weekend days due to travel and required work out of town). I am salari...
by Go Blue 99
Fri Jun 12, 2015 3:11 pm
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1785

Re: comp time for weekend work/travel?

I have no idea if my company gives comp days, but they are very flexible in my work hours. If your company is flexible with you, then I recommend that you be flexible with them and not ask for comp days. Our specific group is not flexible about work hours. We have set hours and you are expected to ...
by Go Blue 99
Fri Jun 12, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1785

comp time for weekend work/travel?

Does your company give you comp days if you have to travel or work out of town on weekends? Would you expect to get comp days, or would you just consider it part of your normal duties? I'll be in that situation soon (will lose 3 weekend days due to travel and required work out of town). I am salarie...
by Go Blue 99
Thu Jun 04, 2015 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Quit high paying job to be stay at home parent?
Replies: 44
Views: 5303

Re: Quit high paying job to be stay at home parent?

Sounds like the OP is in the legal field . As I am sure she knows, once you leave for a few years it will be very difficult to come back, particularly if you want to get back into private practice. I assumed the same, my guess is BigLaw. If this is the case, is there any chance to go in-house at a ...
by Go Blue 99
Mon Jun 01, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6947

Re: Which grocery stores do you shop at and why?

We use Kroger and Publix for the bulk of our shopping, mainly because they are very close to home. When we want some higher-end or niche items, we go to Whole Foods. When we want some unique and inexpensive snacks, we go to Trader Joe's. There is a large Asian farmers market near us too which is gre...
by Go Blue 99
Tue May 26, 2015 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 3402

Re: At what point does 529 make sense

livesoft wrote:@GoBlue, you are aware that one can withdraw penalty-free from IRAs to pay for college? Plus IRA assets are "sheltered" from financial aid calculations in most instances.


We do max out IRAs. It's the 401k we aren't maxing out. Are 401k assets sheltered from fin aid calculations?
by Go Blue 99
Tue May 26, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: At what point does 529 make sense
Replies: 24
Views: 3402

Re: At what point does 529 make sense

We are putting some money in a 529, even though we aren’t maxing out retirement accounts. We want to fully pay for an in-state school, and our child will be in college before we turn 59.5. So we’ll need to pull the money from somewhere, and have decided on a 529. Our retirement balances are on track...
by Go Blue 99
Tue May 26, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7608

Re: Once in a life time trip.

I like the island hopping in Hawaii idea. They can see some beautiful scenery and enjoy fun activities, as Hawaii is not just about sitting on the beach all day. At age 8, they probably are going to enjoy beach and sport activities, rather than museums, etc (then European vacation would be a great o...
by Go Blue 99
Thu May 21, 2015 9:27 am
Forum: Investing - Theory, News & General
Topic: How 529 college savers invest.
Replies: 16
Views: 1865

Re: How 529 college savers invest.

This is for a 1 year old.

45% TSM
25% Small Cap
30% Intl
by Go Blue 99
Wed May 20, 2015 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Should we upgrade our living situation (HCOL area)?
Replies: 8
Views: 655

Re: Should we upgrade our living situation (HCOL area)?

Go for the house. I was raised in a small 2 bedroom/1 bath condo, and it wasn't ideal. My parents bought the condo because they didn't want to borrow more money to get a single family home (HCOL area). By the time they improved their income situation years later, they were priced out of the SFH mark...
by Go Blue 99
Thu May 14, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Auto-braking systems in cars - experiences?
Replies: 67
Views: 3035

Re: Auto-braking systems in cars - experiences?

I've been rear-ended twice in the past few years. I wish more drivers had auto-braking systems in their cars.
by Go Blue 99
Thu May 14, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Networth question
Replies: 54
Views: 4986

Re: Networth question

We include home equity. Logically, it doesn't make sense to me that someone could be making huge extra principal payments, and have that hurt their net worth.
by Go Blue 99
Wed May 13, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10833

Re: I Hate Vacations

My parents are like this. They have no interest in leisure vacations- they don’t like eating out, staying in random hotels, seeing new places, etc. They are also too frugal to spend money on vacations, even though they have more than enough money. They only travel in order to see family. My mom gets...
by Go Blue 99
Wed May 13, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: New Baby - Need Life Insurance!
Replies: 5
Views: 656

Re: New Baby - Need Life Insurance!

I used Zander Insurance, and went with the cheapest company they had, even though I had never heard of that company previously.
by Go Blue 99
Tue May 12, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: 529 plans- Are they part of your overall A.A?
Replies: 22
Views: 1316

Re: 529 plans- Are they part of your overall A.A?

We don't calculate 529 savings in our retirement AA. I have a separate AA for the 529.
by Go Blue 99
Thu May 07, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: How much home can we afford (Short Post)
Replies: 8
Views: 929

Re: How much home can we afford (Short Post)

Do you have a monthly budget? Rules of thumb based on income are okay, but I'd rather use a budget and determine how much of a payment I want to have per month. None of us know how much you like to spend on vacations, eating out, etc.
by Go Blue 99
Thu May 07, 2015 9:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services now live
Replies: 38
Views: 6625

Re: Vanguard Personal Advisor Sevices now live

I'll definitely look into this as something I would tell my wife to use if I die first. Better this than having her find a random person through a friend of a friend that charges 1%.
by Go Blue 99
Wed May 06, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 2053

Re: escrow increase...

I've received this type of letter before. Basically they've taken my maximum negative balance, added 2 months buffer (I believe that's the max allowed by law), and then divide that by 12 months. That is the amount my payment will increase by.
by Go Blue 99
Mon May 04, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: electric water heater keeps tripping
Replies: 7
Views: 430

Re: electric water heater keeps tripping

So one of the thermostats is over-temp tripping. Does the water get crazy hot before it trips or are things normal? If normal, it would seem that replacing the thermostat might be in order. Actually we did notice very hot water temperatures in the two days before it tripped for the 1st time. Not su...
by Go Blue 99
Mon May 04, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: electric water heater keeps tripping
Replies: 7
Views: 430

Re: electric water heater keeps tripping

What exactly is tripping? When my water heater started tripping the circuit breaker, the electrician said it was the breaker failing. (They're designed to fail-safe, meaning they trip on less than specified load.) Once the breaker was replaced, all was well. Is it possible that whatever is tripping...
by Go Blue 99
Mon May 04, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: electric water heater keeps tripping
Replies: 7
Views: 430

electric water heater keeps tripping

We noticed we had no hot water one day last week. We have an electric heater and saw that it had to be reset (the heater is 7 yrs old and had never tripped before). It worked fine for a few days, but unfortunately it to be reset again a few days later. We went out of town for a long weekend, and aga...
by Go Blue 99
Sun May 03, 2015 6:50 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7430

Re: What's new and changed in phpBB 3.1

New site looks great on my iPhone 6. No more pinching to view threads.

The font is huge on my iPad but not a big deal to me.
by Go Blue 99
Wed Apr 29, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: 25 year old baseball cards and coins worth anything?
Replies: 16
Views: 3726

Re: 25 year old baseball cards and coins worth anything?

I spent more money on cards than anything else in my youth. I remember studying Beckett Magazine. Now they are sitting in my parents' condo and my mom wants to toss all of them. A grade school friend of mine had a huge collection. He told me his plan was to keep passing them down generations, and if...
by Go Blue 99
Wed Apr 29, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: 2 iphones on 1 itunes account experiences?
Replies: 18
Views: 1585

Re: 2 iphones on 1 itunes account experiences?

This is a minor thing, but if you use PhotoStream, then sharing one account will only allow you one single name for making comments and liking pictures that are posted on PhotoStream. For example, we have a family PhotoStream set up where people post pictures. There is one married couple that shares...
by Go Blue 99
Sat Apr 25, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pharmacy School Loan Advice
Replies: 17
Views: 2211

Re: Pharmacy School Loan Advice

My dad is a pharmacist, and loves it. However, he is at a hospital and not in retail. Another PharmD buddy works at a drug company and landed a high-level VP position. He travels the world for his job and loves it. Every pharmacist I know in retail hates it. One of my buddies kept trying to get out ...
by Go Blue 99
Wed Apr 22, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 59
Views: 5432

Re: What rate of return do you use when planning for retirem

The projection tab of my spreadsheet is just for fun, but I use 8% nominal for our retirement accounts, which are 100% equities (45% international). I use 5% for our taxable brokerage and HSA. They're mostly equities too, but I assume some tax, bond, and potential HSA withdrawal drag. We save what ...
by Go Blue 99
Wed Apr 22, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: Home Air Filters
Replies: 44
Views: 4395

Re: Home Air Filters

I typically buy filters when I see sales posted on Slickdeals.net. We don't change them as often as we should though. The builder didn't do a great job of installing the HVAC unit in the attic, and there is some dried plaster/concrete-looking thing that makes it very difficult to pull out the existi...
by Go Blue 99
Wed Apr 22, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 13003

Re: How much do you pay in Property Taxes?

Roughly 1.2% of market value. This is in Atlanta.
by Go Blue 99
Fri Apr 17, 2015 8:27 am
Forum: Investing - Help with Personal Investments
Topic: House down payment vs. more retirement savings
Replies: 19
Views: 1912

Re: House down payment vs. more retirement savings

Do you have a fully vested employer 401k match? If so, you can include that in achieving the 20% of gross retirement goal.
by Go Blue 99
Thu Apr 16, 2015 2:24 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 27340

Re: What do you drive, and why?

2007 Lexus IS250- my wife's parents bought it for her before we were married. Only has 90k miles and we plan on using it for a long time. Though it's 8 years old, it still feels current as it has features that were ahead of their time in '07 (push button start, backup camera, heated/cooled seats, et...
by Go Blue 99
Thu Apr 16, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 5167

Re: Is it ok to NOT have significant taxable investments?

We are in our 30s, and our taxable investments are tiny compared to our 401k/IRA balances.
However, as our savings rate increases, we are adding some to the taxable account. The main reason being that we also want to save for potential major purchases that occur before we turn 59.5.
by Go Blue 99
Wed Apr 15, 2015 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 4057

Re: Raising well-adjusted children when you're "rich"?

This topic hits home for me. I didn't have too much growing up (though we weren't dirt poor). I recall living in a roach-infested apartment in the city with my parents. When they did finally buy a place in the suburbs, it was a very simple 2 bed/1 bath condo. We rarely went out to eat and took a vac...
by Go Blue 99
Tue Apr 14, 2015 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 12346

Re: Does your family know about your net worth (ball park)?

From looking at the recent annual income poll result, I think most BHs are already millionaires or will become one. Q1. Does your family (parents, siblings) know about your net worth (ball park figure)? They could probably guess the range. We are 30somethings and have pretty good but not "ball...
by Go Blue 99
Sat Apr 11, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1356

Re: Best fish oil/omega-3 supplement?

Dutch wrote:Nordic Naturals: Ultimate Omega.

It's not inexpensive, but the brand scores high in independent outside tests for purity and non-rancidness. And that's important to me.


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