Search found 1401 matches

by XtremeSki2001
Sat Jul 11, 2015 5:23 am
Forum: Personal Consumer Issues
Topic: Buying a House Drama
Replies: 23
Views: 2737

Re: Buying a House Drama

Tell her, "thank you for showing us the house. We think you should take the higher offer. Best of luck to you." Then move on, and don't look back. It does sound like you're being played. This. We walked away and the seller contacted us a month later asking if we were still interested and ...
by XtremeSki2001
Sat Jul 11, 2015 5:19 am
Forum: Personal Consumer Issues
Topic: standby generators
Replies: 9
Views: 1248

Re: standby generators

Just curious what many paid for the install? For my home, we'd need to go with a 16k, which from Generac is ~$3.5k
by XtremeSki2001
Sat Jul 11, 2015 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing first home - withdraw from 403(b) advised?
Replies: 8
Views: 580

Re: Purchasing first home - withdraw from 403(b) advised?

IMHO, if he hasn't saved enough for a 20% down-payment on a home as well as an emergency fund, he's not ready to buy a house.
by XtremeSki2001
Sat Jul 11, 2015 5:13 am
Forum: Personal Finance (Not Investing)
Topic: who do you have your term life insurance with?
Replies: 32
Views: 2148

Re: who do you have your term life insurance with?

Principal - $1M in coverage for me, $500k for my wife
by XtremeSki2001
Wed Jul 08, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Average raises for promotions
Replies: 32
Views: 3678

Re: Average raises for promotions

I just read the thread where someone working for a boutique consultancy is interviewing with Big 4 firms but has been told at his current firm that he is likely to be promoted this fall with a 20-25% raise. I've spent my entire career at mega corps and my experience with increases from promotions i...
by XtremeSki2001
Wed Jul 08, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: $100 k for a MBA, worth it ?
Replies: 20
Views: 3281

Re: $100 k for a MBA, worth it ?

You should ask mentors within your company and broader industry. If they can give you specific answers with examples pro or con, listen to their answer. Also, I would think the choice of school should be somewhat dependent on your specific goals. Your view of the degree probably should be more spec...
by XtremeSki2001
Tue Jul 07, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Upgrading from Underwater Home (Rcvd Windfall)
Replies: 19
Views: 1608

Re: Upgrading from Underwater Home (Rcvd Windfall)

FWIW, when I married my wife we sold her condo at a lost of $20k. We could have rented it for a few years and sold it at a loss and save a few $$. However, she was pregnant and we knew we were going to grow a family and didn't want the potential headache of playing landlord. We had the money and ate...
by XtremeSki2001
Tue Jul 07, 2015 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Auto Loans getting out of control?
Replies: 16
Views: 3239

Re: Auto Loans getting out of control?

Saw this on the WSJ today: http://blogs.wsj.com/totalreturn/2015/06/30/loose-car-lending-practices-trouble-a-regulator/ If you're not a subscriber, Google "Loose Car Lending Practices Trouble a Regulator" and follow the link to get around the paywall. I didn't know this was a thing, but a...
by XtremeSki2001
Mon Jul 06, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

I know there are many from SE PA on here so if you like hops make sure you get a 4-pack of Shape of Hops to Come, made by Neshaminy Creek Brewing in Bucks County. It won't last long.

http://neshaminycreekbrewing.com/2015/06/30/shape-of-hops-to-come-release-july-1st/
by XtremeSki2001
Tue Jun 30, 2015 7:53 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 8806

Re: Money arguments with spouse and how did you resolve

My DW and I used to argue about money quite a bit. Leveraging Bogleheads, we made a budget together by identifying long-term goals we both agreed with. After accounting for the money we needed to meet our goals there was "what's left". Half went to general savings for house projects, ad-ho...
by XtremeSki2001
Wed Jun 10, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

roymeo wrote:I'm a part owner of the Three Floyd's Brewpub in Munster, IN, attached to the brewery.
And donated to Ferment.Drink.Repeat a Nano Brewery, Homebrew Supply, and Brewery Incubator in SF during their CrowdBrewed fundraising campaign.


As part owner, please do your part in getting 3F's to PA :sharebeer
by XtremeSki2001
Tue May 26, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 9723

Re: I found a new coffee.

My beans stay fresh for a month+ using simple mason jars in the freezer. Costs me ~$10 for a dozen or so 16oz jars.
by XtremeSki2001
Tue May 26, 2015 6:25 am
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 9723

Re: I found a new coffee.

It's not very boglehead, but my wife and I really love Red Bird Coffee (http://redbirdcoffee.com/). We usually order it 5lbs at a time and freeze it until needed. Our favorite is their Ethiopia Sidama - Shakisso.
by XtremeSki2001
Thu May 21, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11510

Re: Neighbor hired a surveyor. Should I be nervous?

Time to introduce yourself to the neighbor. My neighbor introduced himself ... asked me about the property line. Technically he wanted to make changes to arborvitae that separated our properties. They were on my property, but I told him to have a blast ... two years later he has paid someone to repl...
by XtremeSki2001
Thu May 21, 2015 1:01 pm
Forum: Personal Consumer Issues
Topic: Put money down on new car, dealer wants color change
Replies: 52
Views: 4400

Re: Put money down on new car, dealer wants color change

I've never heard of a dealer having to conduct a search .... we bought our new car and they didn't have the color and they called a dealer out of state and had it delivered in a few days. The whole calling the other dealer took maybe 5 minutes.
by XtremeSki2001
Tue May 19, 2015 7:52 pm
Forum: Personal Consumer Issues
Topic: Huge Problem With First Home
Replies: 28
Views: 5224

Re: Huge Problem With First Home

This one rings true for me. I'm so frustrated that I blindly trusted the home inspector it makes me feel sick. Optimistically speaking, $20k is not as bad as it could have been. Be sure to get two more quotes. I had a lot of other issues wrong with my house (now in it 2 years). I think we're at $45...
by XtremeSki2001
Sun May 17, 2015 5:44 pm
Forum: Personal Consumer Issues
Topic: Huge Problem With First Home
Replies: 28
Views: 5224

Re: Huge Problem With First Home

I'm sorry to hear of your issues! What I've learned (the hardway) is that home inspectors are a dime a dozen and, generally, can't really be trusted to do a thorough review. In fact, they're often in bed with buyers or sellers (sometimes both) realtors to ensure a smooth transaction (e.g., no major ...
by XtremeSki2001
Sun May 17, 2015 5:32 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10608

Re: I Hate Vacations

Random Poster wrote:I hate vacations.

Honestly, they seem like such a production.


Take a two week vacation, say to Hawaii. Lay on the beach for two weeks. It will be relaxing. After the vacation, come back here and tell us what you think.
by XtremeSki2001
Tue Apr 07, 2015 7:52 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

Wondering if anyone here home brews? Specifically electric home brew?
by XtremeSki2001
Tue Mar 31, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Ideas
Replies: 31
Views: 2779

Re: Honeymoon Ideas

Specifying your location may help people with the "bang for the buck" question. (e.g. flights from the East Coast might be cheaper to the Carri bean while flights on the West Coast are cheaper to Hawaii). Specifying your approximate budget will also help (for some spending $2K on flights ...
by XtremeSki2001
Tue Mar 31, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: Honeymoon Ideas
Replies: 31
Views: 2779

Re: Honeymoon Ideas

My wife and I originally wanted to do something great ... travel around Europe for several weeks, etc. However, we decided on spending it somewhere we could rest and play. We chose Hawaii, specifically Maui (the other islands, which we visited, have their merits, too). We've went back every year sin...
by XtremeSki2001
Mon Mar 30, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 13779

Re: Hate where we live, do we make major changes?

Put me in the camp advocating you move. If it was me, I'd be certain I'm actually seeking a different place to live versus change. I'd probably list out why I want to move and where ... what will those places provide that my current home cannot. I'd also take some time off and experience an area for...
by XtremeSki2001
Mon Mar 30, 2015 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge [career] mistake?
Replies: 46
Views: 7307

Re: Help! Are we making a huge [career] mistake?

Doesn't sound like you have a lot to worry about so perhaps try choosing an opportunity independent of the financial benefits? Edit: You've made your decision, but thought I'd recommend this book that's helped me in my career and other areas of life. "Blink is a book about how we think without ...
by XtremeSki2001
Fri Feb 13, 2015 7:56 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

I tried Stone's Enjoy By IPA because the wine bar said it would only be around for 35 days. It was great, and deserves these grades: http://www.beeradvocate.com/beer/profile/147/84596/ It is delicious! It comes out every ~3 months or so and the Enjoy By date is typically 3-months after the bottling...
by XtremeSki2001
Wed Feb 04, 2015 8:36 am
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 58
Views: 6573

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Edit : My response was seemingly a day late and a dollar short.
by XtremeSki2001
Wed Feb 04, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3654

Re: job advice: move to Florida Keys??

I'd caution that one Mega-Corp experience does not equal all Mega-Corp experiences. When I was your age I worked for a large consulting company with many people my age, traveled all over the world, experienced different cultures, met leaders of some of the largest corporations in the world, worked w...
by XtremeSki2001
Wed Feb 04, 2015 8:11 am
Forum: Personal Finance (Not Investing)
Topic: What was your financial situation before having first child?
Replies: 34
Views: 3104

Re: What was your financial situation before having first ch

We were pretty much like you and only a few years ahead in the growing family department. We've dipped into the emergency fund a few times to repair our home, but found ways to replenish it (through tax returns, bonuses, etc.). We didn't notice a sizable financial impact for each of our boys - we do...
by XtremeSki2001
Tue Feb 03, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

Had Dogfish Head's Raison D'Extra last night - a very intense Belgian Strong Dark Ale (ABV is 18%), but delicious beer. http://www.beeradvocate.com/beer/profile/64/3089/ I love this one. And the whole Dogfish Head lineup. If I don't want to be donezo after one beer, I'll stick with the 60 minute. :...
by XtremeSki2001
Mon Feb 02, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

Had Dogfish Head's Raison D'Extra last night - a very intense Belgian Strong Dark Ale (ABV is 18%), but delicious beer.

http://www.beeradvocate.com/beer/profile/64/3089/
by XtremeSki2001
Wed Jan 28, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Determining House Needs
Replies: 12
Views: 1609

Re: Determining House Needs

I've seen a substantial amount of too much/little house threads (and the associated debt from said house) on here and I thought I would try to get some understanding on how those of us who have been renting our entire adult lives should think about how much house to get. My understanding is that pe...
by XtremeSki2001
Wed Jan 28, 2015 10:13 am
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2818

Re: Hawaii Visit (Maui). Need advice

From tomorrow we are visiting Maui for 5-6 days. Our airline, hotel ( Napili point, kapalua, ) and car are booked. I am looking for advice for activities, eating places etc. Wife and I are going and we in our late 40's , early 50's and in good health. I will be attending a conference for 4-5 days f...
by XtremeSki2001
Wed Jan 28, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3976

Re: Interview question...salary

Unreasonable? No. Working for company is a two way street. You need to be a nice fit for them, and they need to be a nice fit for you. I would not want to work for a company that is withholding information from the get go. I say one more email to HR before stepping back from the table. +1 to this. ...
by XtremeSki2001
Tue Jan 27, 2015 6:57 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 945
Views: 196634

Re: What experts say about $5,000 watches

Outside of my regular golf group and my family, I have discussed my Rolex with only two people, and both those people owned a similar Rolex. I doubt anyone knows what type of watch this is. In contrast, I have had many dozens of conversations about my other Christmas gift -- my Fitbit. Go figure. W...
by XtremeSki2001
Mon Jan 26, 2015 8:05 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

Curious about bogleheads' use and view of growlers for their beers. I'm a big fan and typically buy 1 per week (and look for area sales, daily). Lots of good beer out there to appreciate! growlers are tough. you have a lot of beer to drink and the clock is ticking. you need a least two willing part...
by XtremeSki2001
Wed Jan 21, 2015 7:40 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

My suggestion is find a STYLE (e.g., Pale Ale, IPA, Sour, etc.) you like and use it to navigate the world of beer. I pretty much drink IPA/IIPAs and just recently started seeking out and trying various Stouts. Yes, exactly what I do, and I am learning. However, as with wines, though I know what sty...
by XtremeSki2001
Tue Jan 20, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

The problem is that after 9 pages of fantastic recommendations, what is left is a wider range of choice than one had when the thread began. Walk into any decent pub in, say, Brooklyn or Portland, and every beer on the menu will have been mentioned here. Back to square one I suppose (ie the nicest l...
by XtremeSki2001
Tue Jan 20, 2015 4:41 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

Picked up a case today in PA...$141 w/tax. Where were you able to find a case of BCBS? I couldn't even get a 4-pack! :oops: Brew your own, after the initial equipment purchase which is not really very much, you can get a 5 gallons of beer for like $30. Are you brewing using a kit? Or do you have a ...
by XtremeSki2001
Tue Jan 20, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to Know You're Saving Enough?
Replies: 24
Views: 3332

Re: How to Know You're Saving Enough?

I think you're doing pretty good. I've used Fidelity Myplan to see how I'm doing. I'm about the same age as you and it's hard to determine what you'll need in retirement.
by XtremeSki2001
Mon Jan 05, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Am I contributing too much to retirement?
Replies: 28
Views: 5017

Re: Am I contributing too much to retirement?

You're 21. Don't forget to live a little. You can't take the money with you when you die.
by XtremeSki2001
Fri Jan 02, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1671

Re: How to value travel with a job offer

You likely won't see your compensation to go up due to 3-4 weeks of travel. As others have said, this is quite minimal. If you go somewhere like an Accenture where you'll travel 100%, you should expect a significant pay increase due to the inconvenience factor. I would not approach HR or the Hiring ...
by XtremeSki2001
Thu Jan 01, 2015 7:36 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

Indeed. I still remember fondly back in the 90s when Lagunitas was still getting started. More than once I was given a six pack of Dogtown that had come off the production line just hours prior. Fresh, fresh beer is amazing stuff. The Russian River Brewing Company pub has become a crazy tourist att...
by XtremeSki2001
Wed Dec 31, 2014 6:00 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

Pliny the Younger, Blind Pig, Row 2 Hill 56, and Damnation from Russian River Brewing Company. Of the Gods (and I better be home or have a ride home). Row 2 Hill 56 is growler only except during special bottlings. Maximus IPA, Daytime IPA, and Dogtown Pale Ale from Lagunitas Brewing Company. Comes ...
by XtremeSki2001
Tue Dec 23, 2014 2:52 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 526
Views: 83904

Re: Boglehead Beer

Sierra Nevada Celebration Fresh Hop IPA. I usually despise hoppy beers, way too astringent. So the boyfriend brings this home last night, expecting he would have it all to himself. I took a taste....I think I saw the face of god! Fresh hops, who knew? Totally different, delightful. Can't wait for a...
by XtremeSki2001
Wed Dec 17, 2014 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Thanking of mid career shift
Replies: 6
Views: 1567

Re: Thanking of mid career shift

As some who recently made the shift from consulting to industry, Ruby is right when they say it's a significant cultural shift. Less go getters, less dinners, less travel, less fancy hotels, less busy, less responsibility, less control, slower promotion process, smaller raises, and overall different...
by XtremeSki2001
Fri Dec 12, 2014 7:20 pm
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 3068

Re: Different Experience With TSA Pre-Check

Oh, it isn't THAT bad. Usually, the TSA people are able to wave you past the "newbies" - I haven't found them to be a nuisance. Besides, it isn't the ones who pay for TSA Pre-Check who are the holdup - it is those who are selected even though they haven't applied for it and don't know wha...
by XtremeSki2001
Thu Dec 11, 2014 11:29 am
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 3068

Re: Different Experience With TSA Pre-Check

The priority line is for customers flying first class as well as frequent flyers (and there other other programs providing priority access). Something doesn't sound right here. These terrorists are well financed and would just fly first class if that would help them get through the security checks ...
by XtremeSki2001
Thu Dec 11, 2014 9:36 am
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 3068

Re: Different Experience With TSA Pre-Check

I don't think the TSA are airline employees or are necessarily influenced by the airlines. I've often wondered why they even have a frequent flyer line. Perhaps it is a bit of profiling - frequent flyers are less of a risk? You're right. TSA operates independent of the airlines (e.g., they're not e...
by XtremeSki2001
Thu Dec 11, 2014 8:21 am
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4801

Re: Why did you quit your job?

Was offered a full-time position after an internship in college. It was a contractor position. I was worried about growth, upwards mobility, and job security since I would not technically be an employee. I left for a full-time position that was not contracting. First job out of college I was naive. ...
by XtremeSki2001
Thu Dec 11, 2014 8:09 am
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 40
Views: 3983

Re: East Coast trip with kids (NYC, Boston, Washington?)

Thinking about making a trip to 1-2 major east coast cities with family, probably this coming June. We're in the midwest, would likely fly in, spend maybe a week on this trip. Me, DW, and 3 kids, ages (currently) 15, 13, 9. In theory we could do the whole trip in/around NYC, but might also combine ...

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