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by XtremeSki2001
Tue May 26, 2015 12:12 pm
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 83
Views: 8625

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: 83
Views: 8625

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: 10399

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: 3886

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: 4831

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: 4831

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: 9194

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: 512
Views: 77585

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: 2574

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: 2574

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: 12919

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: 7149

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: 512
Views: 77585

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: 6172

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: 3566

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: 2862

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: 512
Views: 77585

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: 512
Views: 77585

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: 1564

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: 2705

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: 3877

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: 942
Views: 191935

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: 512
Views: 77585

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: 512
Views: 77585

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: 512
Views: 77585

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: 512
Views: 77585

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: 3243

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: 4899

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: 1615

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: 512
Views: 77585

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: 512
Views: 77585

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: 512
Views: 77585

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: 1548

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: 3010

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: 3010

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: 3010

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: 4663

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: 26
Views: 2803

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 ...
by XtremeSki2001
Thu Dec 11, 2014 7:54 am
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 3010

Re: Different Experience With TSA Pre-Check

Same thing happens to me at smaller airports (for me it's ICT). Larger airports like PHL, this happens less frequently, but may occur if I arrive early (5am) or late at night (10-11pm) as they generally need dedicated staff to run the TSA pre-check process.
by XtremeSki2001
Mon Nov 24, 2014 4:17 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 18119

Re: Inner-directed or Outer-directed

If you want to look good in your eyes and others around you just put $5000 in a money clip in your pocket. I've found that "Inner-directed" people are usually happier than "outer-directed" people." Best wishes. Taylor Doesn't this imply the OP is buying the watch for status...
by XtremeSki2001
Mon Nov 24, 2014 9:16 am
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 6467

Re: Bogleheads, anyone doing "Black Friday"

I am doing Black Friday, but only to buy beer that happens to be released on Black Friday. It is very good and worth the effort (Goose Island Bourbon County Stout).
by XtremeSki2001
Mon Nov 24, 2014 9:12 am
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 18119

Re: 23 year old... Can I afford a Rolex?

I bought a replica Rolex GMTII for ~$350. No one can tell the difference. I didn't get a real one because of the cost and because I only like the look (don't really care or appreciate the intricacies of the watch). After owning it for 5 years, it's been beat up a good bit. Not sure if I would be oka...
by XtremeSki2001
Wed Nov 19, 2014 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Buying my first property
Replies: 3
Views: 595

Re: Buying my first property

My main goal is not learn all about real estate and investing in rental properties. I am more interested in learning about mortgages, first time home purchases and just learning about the whole process of getting a mortgage. Thanks :) Starting out I read home buying for dummies. Thought it provided...
by XtremeSki2001
Wed Nov 19, 2014 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 122
Views: 20171

Re: Affording a 1.3 million home?

Yep both working and plan to after kids. We will have to pay for babysitting Everyone has given you great advice, but a word of caution - revisit buying a house once you've had a child. We bought a house before we had kids and bought on the assumption we'd both continue to work. My DW had a change ...
by XtremeSki2001
Wed Nov 19, 2014 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 97
Views: 16173

Re: How To Invest Your Emergency Fund?

Here's my strategy (we have low expenses, so this is really about 5 months of necessary expenses for us): [snip} 3. $1,000 is in an HSA. We have spent more than this on medical expenses this year, so we could withdraw it if needed. 4. $6,000 is in three PenFed 5 year CDs (3%, but a big penalty for ...
by XtremeSki2001
Wed Nov 19, 2014 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 17
Views: 2361

Re: Healthcare FSA - expecting, due in July

Okay, so estimate now how much you'll need to set aside to avoid the problem you're talking about. Then add more after the birth. My point is that in this situation, you can be conservative now and still not lose anything in the end. +1. IMO this is the best way to approach it. Most deliveries are ...
by XtremeSki2001
Wed Nov 19, 2014 11:16 am
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 97
Views: 16173

Re: How To Invest Your Emergency Fund?

We plan to put our emergency fund in our ROTH IRA (currently not funded for FY14) and select an appropriate investment based on our risk appetite. We can access our contributions at any time without penalty.
by XtremeSki2001
Wed Nov 19, 2014 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 17
Views: 2361

Re: Healthcare FSA - expecting, due in July

Congrats. My DW went through a cesarean section for both our children. First time was a small co-pay (DW has awesome insurance) and second time we paid close to $3k out of pocket (My insurance is not so great). Keep in mind a cesarean will cost more than natural because of the additional time you sp...
by XtremeSki2001
Wed Nov 19, 2014 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 4039

Re: Advice Needed: Unique Situation At workplace

Isn't part of the pervasive problem, at least outside of professional services/consulting, that people are promoted on the merits of being effective executors? They start at the bottom and effectively move up the chain by executing proficiently and then, at some point, are expected to become strong ...
by XtremeSki2001
Mon Nov 17, 2014 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 4039

Re: Advice Needed: Unique Situation At workplace

My own personal experience is that good employees outlast bad managers. Managers are a dime a dozen and move on at a great rate. The other advice I have gleaned is that if you can't stand a bad manager the only real choice is to find a way to move. You might even be surprised how often the places y...

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