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Re: cost of raising a child by age group

For us, newborn to preschool is most expensive, probably followed by high school (anticipation, we aren't there yet). I don't even want to know about college.... When we have three kids in school, our school lunch bill will be about $210/month. I just saw the school fee schedule for middle and high...
by bungalow10
Fri Sep 19, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 26
Views: 1700

Re: Should I buy another fridge or freezer? Or neither?

When we upgraded to a french door fridge, we found we didn't need any extra room. But I don't freeze meats, I prefer them fresh. Just curious, where do you buy fresh meat? My local grocery stores and Costco all sell either meat that is never-frozen but four-five days or old (Whole Foods), or it was...
by bungalow10
Fri Sep 19, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1006

Re: cost of raising a child by age group

For us, newborn to preschool is most expensive, probably followed by high school (anticipation, we aren't there yet). I don't even want to know about college.... When we have three kids in school, our school lunch bill will be about $210/month. I just saw the school fee schedule for middle and high ...
by bungalow10
Fri Sep 19, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: cost of raising a child by age group
Replies: 26
Views: 1700

Re: Should I buy another fridge or freezer? Or neither?

Family of five... We have a kitchen refrigerator (french door, freezer on bottom), a basement refrigerator, and a deep freezer. We buy meat in bulk, so generally the freezer is full. The basement refrigerator contains items that we don't access that often, like the extra gallons of milk (we buy four...
by bungalow10
Thu Sep 18, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1006

Re: Buying a bounce house for personal use?

Thank you everyone! We went ahead and ordered the bounce house. My kids are going to be thrilled :D :D :D
by bungalow10
Thu Sep 18, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1689

Re: Dave Ramsey: The Legacy Journey

All the methods/info people need to get out of debt is available for free. This web site is a fine example. Bogleheads.org is an example of a good website for financial literacy, but even here you see people who say that student loan debt isn't bad, and advice encouraging people to borrow for cars....
by bungalow10
Wed Sep 17, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 21
Views: 3019

Re: Buying a bounce house for personal use?

My BIL has one for his two kids. He went through the same sort of a rent vs. buy analysis as you have. One thing I've heard him complain about is that his in-laws (3 sisters with >10 kids total) have a bunch of little kids and they always ask him to bring his bounce house over to their place for Bi...
by bungalow10
Wed Sep 17, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1689

Re: Buying a bounce house for personal use?

My BIL has one for his two kids. He went through the same sort of a rent vs. buy analysis as you have. One thing I've heard him complain about is that his in-laws (3 sisters with >10 kids total) have a bunch of little kids and they always ask him to bring his bounce house over to their place for Bi...
by bungalow10
Wed Sep 17, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1689

Re: Looking to park some Emergency Fund

Howdy all, Need some additional input. I am looking at parking part of my emergency fund in a bond fund. (One third or maybe up to half.) Would some of you recommend one Fidelity fund and one Vanguard fund? Thanks. I was considering the same thing a few months back. I went with i-bonds. If you aren...
by bungalow10
Tue Sep 16, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to park some Emergency Fund
Replies: 9
Views: 614

Re: Any success stories of ppl who never made >$50,000?

This is a tough crowd to hang with if you are merely "middle class" which is too bad because the principles are the same. I have noticed several lower income first time posters that don't seem to come back after their first post. You mean working class? Middle class is a wide range of inc...
by bungalow10
Tue Sep 16, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9789

Re: Any success stories of ppl who never made >$50,000?

Index Fan wrote:I always get a kick out of the Boglehead idea of what 'middle class' is :mrgreen:


If people change the definition of "middle class" to reflect middle income, than no one can ever say the middle class is shrinking. :oops:
by bungalow10
Tue Sep 16, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9789

Re: Any success stories of ppl who never made >$50,000?

This is a tough crowd to hang with if you are merely "middle class" which is too bad because the principles are the same. I have noticed several lower income first time posters that don't seem to come back after their first post. You mean working class? Middle class is a wide range of inc...
by bungalow10
Tue Sep 16, 2014 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9789

Re: Any success stories of ppl who never made >$50,000?

This is a tough crowd to hang with if you are merely "middle class" which is too bad because the principles are the same. I have noticed several lower income first time posters that don't seem to come back after their first post. You mean working class? Middle class is a wide range of inc...
by bungalow10
Tue Sep 16, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 9789

Re: Buying a bounce house for personal use?

Does anyone on this board have experience buying a bounce house for personal use? I am considering renting a bounce house for my son's birthday, and then subsequently my daughter's as well (I have three kids), and found rentals were $175 each, and that doesn't include delivery or setup/take-down. I...
by bungalow10
Tue Sep 16, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1689

Re: Buying a bounce house for personal use?

Before buying one of these, I'd certainly view the videos of them "flying off" with kids in them. There were a couple of instances a few years back. A search on YouTube should bring them up if you haven't seen them. I'm not saying that you shouldn't do it, but you should be aware of the p...
by bungalow10
Tue Sep 16, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1689

Re: Buying a bounce house for personal use?

We have this one: http://www.amazon.com/Little-Tikes-Shady-Slide-Bouncer/dp/B003NSBMV2/ref=sr_1_2?ie=UTF8&tag=bogleheads.org-20&qid=1410886346&sr=8-2&keywords=fisher+price+bounce+house We keep it in the unfinished part of my basement and the kids jump in it on rainy or cold days. My...
by bungalow10
Tue Sep 16, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1689

Re: Dave Ramsey: The Legacy Journey

It seems that he has moved towards selling more stuff/services (besides his books). Which is too bad because he has helped a lot of people get out of their financial messes. ...And since most of them don't understand anything about how money works, they'll never know that his plan to postpone all r...
by bungalow10
Tue Sep 16, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 21
Views: 3019

Re: Buying a bounce house for personal use?

Yes, I'm in a small town. Rentals here are all the same price - $175 for a basic house for the weekend. Renter picks up and returns. I've checked craigslist for used ones, but not finding anything local. I did find a little bit better value on a personal bounce house - this one has some commercial r...
by bungalow10
Tue Sep 16, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1689

Buying a bounce house for personal use?

Does anyone on this board have experience buying a bounce house for personal use? I am considering renting a bounce house for my son's birthday, and then subsequently my daughter's as well (I have three kids), and found rentals were $175 each, and that doesn't include delivery or setup/take-down. I ...
by bungalow10
Tue Sep 16, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1689

Re: Tiny house movement.

anonforthis wrote:Thank you for all suggestions. It's my dream but it's not going to happen. My husband won't allow that and with kids seem to be impossible to do.


Why not downsize to 1500-1800 square feet?
by bungalow10
Tue Sep 16, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 55
Views: 3569

Re: Meetings over the lunch hour, taboo?

I dont do many onsite meetings, but often have video conferencing or phone based emails around 'lunch time'. I think the big question is what the heck is lunch time? Some people take lunch at 11am, others at 1pm. Does that mean you shouldnt schedule meetings for 3 hours during the day? We have clie...
by bungalow10
Tue Sep 16, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 3837

Re: Meetings over the lunch hour, taboo?

Suggest another meeting time. Tell them you are already booked if they ask why.
by bungalow10
Mon Sep 15, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 3837

Re: The Roosevelts, PBS special

ieee488 wrote:Check Roku's PBS channel.


thanks, I will do that tonight.
by bungalow10
Mon Sep 15, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 76
Views: 5378

Re: The Roosevelts, PBS special

I hope it shows up on Amazon Prime (or other similar services) soon.
by bungalow10
Mon Sep 15, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 76
Views: 5378

Re: Tiny house movement.

I can imagine a single person or a couple in one of those tiny homes, but add 2 or 3 kids and it gets a lot harder. agree! A 500 square foot house for retirement would be kind of fun... until I start thinking about things like hobbies and entertaining. There's got to be some middle ground. If a 500...
by bungalow10
Mon Sep 15, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 55
Views: 3569

Re: Tiny house movement.

OP - what is your house and family situation right now? How many square feet do you have and how many children? How big is the kitchen in a 500 square foot home and can you prepare food for six in it? We probably have 500 square feet in our house devoted to kitchen/cooking and food storage (canned ...
by bungalow10
Mon Sep 15, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 55
Views: 3569

Re: Tiny house movement.

OP - what is your house and family situation right now? How many square feet do you have and how many children? How big is the kitchen in a 500 square foot home and can you prepare food for six in it? We probably have 500 square feet in our house devoted to kitchen/cooking and food storage (canned f...
by bungalow10
Mon Sep 15, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 55
Views: 3569

Re: Tiny house movement.

new2bogle wrote:Other kids at school will make fun of your kids.


Not necessarily. Not all kids are jerks. And the jerks probably aren't worth being friends with.
by bungalow10
Mon Sep 15, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: [can my family live in a] Tiny house
Replies: 55
Views: 3569

Re: Hamilton watches, worth the money?

derosa wrote:Why do you need a watch - doesn't your phone tell the time?


I try to look at my phone as little as possible. It's a distraction. Many people continue to wear watches for that reason.
by bungalow10
Mon Sep 15, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 212
Views: 7213

Re: Costco vs Amazon?

Costco has a deliberately limited selection of a a few thousand items in a limited range of sizes. Amazon probably has over a million. So you can not do all your shopping at Costco, but for the reasons given by other BH above, it is a great place to shop. You probably should not buy perishable item...
by bungalow10
Sat Sep 13, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4524

Re: Costco vs Amazon?

Re the moldy berries especially blackberries, what we do is to immediately rinse them in a bleach solution which kills all the bugs, and put them in the fridge. Then rinse them again in fresh water just before eating. I have only tried this once and it did keep them from molding. Vinegar works as w...
by bungalow10
Fri Sep 12, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4524

Re: Costco vs Amazon?

Has anyone done a Costco vs Target comparison? We recently got the Target Red card which gives an additional 5% off on all purchases. I'd be interested to see how Target's prices compare with Costco and Walmart. I find Target to be very expensive. I only go there when I have no other choice. adding...
by bungalow10
Thu Sep 11, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4524

Re: Calculated Spending: Cars

I've always been told don't spend more than 1/3 of your gross yearly income. If you make $60k a year, you shouldn't spend more than $20k on a car. It's worked out pretty well for me. That's an odd rule. The rule doesn't specify frequency. Are you allowed to spend 1/3 of your income on a car every y...
by bungalow10
Thu Sep 11, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calculated Spending: Cars
Replies: 42
Views: 2867

Re: Costco vs Amazon?

furniture (not cheap, but very well made) flat screen TV (great return policy, took the first one I bought back with zero hassle) Ditto on comments about Costco paying employees a solid living wage. The people seem happy at my Costco, despite the hustle and bustle. No so much at the nearby Target a...
by bungalow10
Thu Sep 11, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4524

Re: Costco vs Amazon?

Costco. Very few items are available and cheaper at Amazon. regular Costco purchases - organic bulk AP flour for baking, yeast, organic sugar, fruit and veggies (out of season), Tillamook medium cheddar cheese (great cheese and really good value), Parmesan wedge, cheese pizza, snack foods and cereal...
by bungalow10
Thu Sep 11, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4524

Re: ESPP at 5% discount ?

My employer's plan has been modified again - Contributions are taken from check for six months prior to purchase date - At the end of six months, stock is purchased at a 15% discount - Stock must be held for six months So months 1-6, contributions come out of my check. Month six the stock is purchas...
by bungalow10
Wed Sep 10, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: ESPP at 5% discount ?
Replies: 83
Views: 11434

Re: Ideas for thanking a doctor

I used to work at a dental office and we loved getting baked goods, a delivery of bagels, etc from patients. Often, medical offices are hectic and any food brought in is much appreciated by staff.

We also loved thank you cards and notes, as well as picture cards of our patients during the holidays.
by bungalow10
Wed Sep 10, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 74
Views: 4632

Re: Cord Blood Banking

I don't think it's the worst way in the world to spend your money but I certainly wouldn't (and didn't) do it if it's a significant sum for you. Think about what the blood was intended for - the baby. I wouldn't clamp the cord prematurely just so I could store that blood for some future unknown use...
by bungalow10
Wed Sep 03, 2014 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 17
Views: 1222

Re: Need good bank for 84y.o. ma who doesn't want online ban

Can she use software like You Need a Budget? There's no reason she should have to wait until the end of the month to figure out what she spent.

Also, having your location would help us recommend a local bank.
by bungalow10
Wed Sep 03, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need good bank for 84y.o. ma who doesn't want online banking
Replies: 16
Views: 920

Re: Cord Blood Banking

Hi folks, We are expecting a baby girl end of October :D . During one of the discussion, cord blood banking came up. Although there is abundant information on it, it is rather perplexing. After attempting some research on it, I am even more confused than before. Looking at various cord blood bank w...
by bungalow10
Wed Sep 03, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 17
Views: 1222

Re: How Much For New Windows?

If you want pocket windows, consider Renewal by Andersen. They are fibrex, not vinyl. The fibrex composite is more dense than vinyl and has a much lower thermal expansion. The fibrex windows cost more than cheap vinyl, but if I were looking at supposedly higher end vinyl windows I would start consi...
by bungalow10
Wed Sep 03, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: How Much For New Windows?
Replies: 32
Views: 1862

Re: How Much For New Windows?

Look into Sunrise Windows. We had 14 of them put in about 10 years ago and love them. We priced Marvin, Pella, and Sunrise. We did not price Anderson as we already had seven Anderson (Renewal) windows and do not like them at all.
by bungalow10
Wed Sep 03, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: How Much For New Windows?
Replies: 32
Views: 1862

Re: My husband's " WILL", $ left for me to live on....

Sounds like OP might be better off to divorce the guy and get her "inheritance" early.
by bungalow10
Thu Aug 28, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17351

Re: Which bed should I buy?

bhead33 wrote:Not to hijack your thread but since you mentioned you were a side sleeper - any recs for a good pillow for a fellow sidesleeper ? I have an awful crick in my neck every day and all my pillows are useless.


Down. Pillows are expensive - ~$100 each if you can find a deal, but worth it.
by bungalow10
Thu Aug 28, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Which bed should I buy?
Replies: 21
Views: 1918

Re: Help with windfall choices and dividing inheritance

Regarding the IRA - if you can take RMDs, I would do that. I would redirect the money into the kids' 529 accounts and when they get to college, use the 529s and RMDs to fund as much as you can.
by bungalow10
Thu Aug 28, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with windfall choices and dividing inheritance
Replies: 14
Views: 976

Re: Which bed should I buy?

@bungalow10 - I've heard about these, but usually don't see them in the normal stores. I believe there is at least one specialty store here in town, maybe will check it out. How is the firmness? I find as a side sleeper, the firmness of a mattress is very tricky. Do you mind revealing how much your...
by bungalow10
Thu Aug 28, 2014 9:37 am
 
Forum: Personal Consumer Issues
Topic: Which bed should I buy?
Replies: 21
Views: 1918

Re: Questions for Landlords

I was talking about the small holes created while hanging a bike rack, plasma tv and paintings. Our lease states that tenant must clean the place and leave in the same condition as the one they received. However I also assumed that most tenants don't allocate the time to clean up the place properly...
by bungalow10
Wed Aug 27, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1497

Re: Questions for Landlords

Renters clean. We patch and paint if it's normal wear and tear - they pay if it's related to abuse or damage.
by bungalow10
Wed Aug 27, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1497

Re: Savers vs. Spenders: Default Mode

I was thinking about this today and thought it would be a good subject to develop here. For "savers" (a minority), the default mode is that income should be saved, and it's somewhat painful to spend part of it. But for spenders, the mindset is that all income should default to spending, a...
by bungalow10
Wed Aug 27, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2235

Re: What's "The Herd" doing today?

I have read that index investing in general, and investing with Vanguard in particular, are becoming more and more popular. http://online.wsj.com/articles/investors-pour-into-vanguard-eschewing-stock-pickers-1408579101 From this, I conclude the herd is moving from actively managed to index fund inv...
by bungalow10
Wed Aug 27, 2014 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3517
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