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Re: Tasting Room Wines

to be clear, this is what I don't like Over a fun 10 – 15 minutes, you’ll taste the wines in pairs, indicating which ones you liked. In each pair, it’s possible you’ll like or dislike both — that’s ok, too! It tells us more about you. 15 minutes to taste six wines? That hardly seems like a good way ...
by bungalow10
Fri Nov 21, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1354

Re: Tasting Room Wines

You get the tasting bottles, you let the tasting room know your preferences, then you get 6 bottles or 12 bottles of wines that fit your preferences. The tasting bottles are just to zero in on your wine taste. The Tasting Room will select bottles of wine that closely fit your palette profile. Look ...
by bungalow10
Fri Nov 21, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1354

Re: Tasting Room Wines

The gift item is the tasting bottles to determine your likes. You contact the wine club and they will send 6 bottles that represent your taste. That's it for me as a gift. It will be up to the receiver if they want to continue or cancel. You can cancel at anytime. If the gift is just the tasting bo...
by bungalow10
Fri Nov 21, 2014 10:16 am
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1354

Re: Tasting Room Wines

It looks kind of fun. Is the person you would buy it for someone that entertains? I know personally, I really enjoy sharing a bottle of wine (or two) with friends. I would prefer to get full-size bottles.
by bungalow10
Thu Nov 20, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1354

Re: Help: Three Fund Portfolio at Fidelity

retiredjg wrote:
If you must hold international at Fido, use the Spartan Global Except US instead of the Spartan Total International because Global contains emerging markets.


I was not aware of this, you learn something new everyday. I may open a Vanguard Roth next year to hold my international.
by bungalow10
Thu Nov 20, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 9
Views: 873

Re: Help: Three Fund Portfolio at Fidelity

FSGDX - SPARTAN GLOBAL EX US INDEX FID ADV CL
FSITX - SPARTAN US BOND INDX FIDELITY ADV CLASS
FSTVX - SPRTN TOTAL MKT INDX FID ADVANTAGE CLASS
by bungalow10
Thu Nov 20, 2014 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 9
Views: 873

Re: Tasting Room Wines

Do you not know what you like?

Why not just go to a local tasting room, or a restaurant and order by the glass?
by bungalow10
Thu Nov 20, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1354

Re: Any experience on the 10 year alarm bateries

I change my batteries every year. Remembering is easy, when the time falls back (daylight savings time), I replace the battery. Sure enough, the few alarms I forgot to change started beeping a week after dst and always when I'm sleeping in the early morning hours. :) +1 Just regular Duracells and r...
by bungalow10
Thu Nov 20, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Any experience with 10-year alarm batteries?
Replies: 16
Views: 1067

Re: Winter Coat

lululu wrote:Note that LL Bean thinks all women are short.


As a short woman (5'3"), I have to disagree. LL Bean fits the same as Lands End, Banana Republic, J Crew (which actually probably runs "short" more than others).
by bungalow10
Fri Nov 14, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4326

Re: Does anyone here make "fun" purchases.

I make fun purchases all the time. I usually make myself wait for it because 1. at least 50% of the time, I find the desire for the item has passed and 2. when I find I do still want the item, I really appreciate and have usually put more thought into exactly what I want. It's all about being smart ...
by bungalow10
Fri Nov 14, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 6334

Re: Winter Coat

Lands End and J Crew are my favorites for me. I'm replacing a 13 year old J Crew wool double-cloth coat with another JCrew (this time I'm splurging on the Thinsulate) wool plaza coat.

I trust Lands End and LL Bean to keep my little people warm and dry.

FWIW - I'm in WI and female.
by bungalow10
Fri Nov 14, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Winter Coat
Replies: 51
Views: 4326

Re: HDHP and Low Deductible Health Plan Coordination of Bene

I believe that the primary insurance provider would apply all $1000 toward the deductible and pay nothing. When the $1000 bill is passed to the secondary insurance, would $300 be applied to meet the secondary insurance's deductible and $140 of coinsurance (20% of $700) be my additional responsibili...
by bungalow10
Fri Nov 14, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP and Low Deductible Health Plan Coordination of Benefits
Replies: 19
Views: 1728

Re: Help! Need Liquid Cash!

Thank you everyone for advice, 100% agree that it was poor planning. Definitely know that many times these projects run over budget. If I make a minimum payment for only 1 month, and pay it back in full the following month will that reflect in my credit report? Spoke to American Express on phone an...
by bungalow10
Thu Nov 13, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2407

Re: Food Frugality: Where do you draw the line?

^^^^ In Amish areas, there are a good number of surplus grocers that sell organics for a fraction of the mega-supermarket chains. Anyone know of a surplus grocer in an Amish area of Missouri? Google "Amish communities in Missouri". Usually the small towns near the communities will have an...
by bungalow10
Thu Nov 13, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6157

Re: Boglehead family vacations

Even if I lived in FL, I wouldn't go enough to make an annual pass worthwhile (at $675), but it definitely isn't of much use to someone who lives in Illinois. Curious, though, is an annual pass valid for only one person? In other words, if you buy a pass, can you give it to a relative or friend to ...
by bungalow10
Thu Nov 13, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 42
Views: 3063

Re: Boglehead family vacations

We always tried to make spring break trips educational. We view our role as parents being in charge of their education, with public schools providing only one piece of the overall plan. We typically went a week one place for spring break. Someone mentioned Washington DC, and that was indeed great f...
by bungalow10
Thu Nov 13, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 42
Views: 3063

Re: Help! Need Liquid Cash!

We have an emergency fund, plus we spend the previous month's income. So this month (November) we are spending October paychecks. That keeps us a little ahead and we know that if something comes up this month, we can adjust the December budget to accommodate the cash flow crunch.
by bungalow10
Thu Nov 13, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2407

Re: Boglehead family vacations

For those suggesting camping... Spring Break is a little early in the season to camp in Illinois. I grew up in Iowa and we were avid campers... but even we didn't start until May. Maybe once or twice in April if it was unseasonably warm. March would have been way too cold and wet.
by bungalow10
Thu Nov 13, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 42
Views: 3063

Re: Boglehead family vacations

Any recommendations for a planned spring break vacation for 5-7 days with 2 kids? We looked at club med in Florida and Disney cruise and they are real expensive 8-10k (with airfare). You are in IL? What about the Wisconsin Dells? Door County? Apostle Islands? Okoboji? If I were you, I'd road trip i...
by bungalow10
Thu Nov 13, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 42
Views: 3063

Re: Your favorite classic toys for kids

I should have also asked what are your favorite companies that make/sell toys? I think Melissa & Doug and Boon make great stuff. I recently bought a wooden puzzle map of the US as a gift through Melissa & Doug. Everyone on Amazon raved about it and it was attractive, and the quality pretty ...
by bungalow10
Wed Nov 12, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3821

Re: Messy baby restaurant etiquette

Laudable, but at this stage in the game, wrong time and wrong place. an 11 month old is not going to be able to eat the full gamut of food, and not going to be able to eat the full variety. There's a method of feeding children called Baby Led Weaning . No special baby foods, no baby food machines. ...
by bungalow10
Wed Nov 12, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4459

Re: History of American mortgages

At one time, women couldn't take out mortgages. Neither could non-married couples.
by bungalow10
Wed Nov 12, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1207

Re: Paying off my 401K loan - Thoughts?

Most 401k loans do not allow you to make extra payments on top of the scheduled payment. You either have to make the scheduled payment or pay the principal remaining in full. Check on this before you go further. Your loan document should provide the answer. +1 I think my employer's program (and thi...
by bungalow10
Wed Nov 12, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off my 401K loan - Thoughts?
Replies: 8
Views: 531

Re: Your favorite classic toys for kids

Erector set, Lionel trains, slot cars, Lincoln logs. And, in the "how on earth?" category: chemistry set and woodburning kit. I'm considering asking my in-laws to buy my 7 year old son a wood burning kit for Christmas. FIL is a woodworker, so he could provide endless scrap wood and maybe ...
by bungalow10
Wed Nov 12, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 3821

Re: Food Frugality: Where do you draw the line?

Just in time for Thanksgiving: An article about obsessive healthy eating: http://online.wsj.com/articles/when-healthy-eating-calls-for-treatment-1415654737 An eating disorder is an eating disorder. Trying to eat healthy food in America today only appears to be an eating disorder. I'd probably kill ...
by bungalow10
Wed Nov 12, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6157

Re: Food Frugality: Where do you draw the line?

Local food co-ops may be a more affordable alternative to Whole Foods. Still more might be more expensive than traditional grocery stores (although I have been shocked recently at the prices in regular grocery stores), but the quality is higher.
by bungalow10
Wed Nov 12, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6157

Re: Which Tablet?

We've been very pleased with the Kindle Fire. The value is high. We had a Lenovo 10" tablet as our first and really enjoyed it, but it wasn't very durable and the cost was higher.

I've yet to come across an iPhone app that doesn't have an equivalent for Android.
by bungalow10
Tue Nov 11, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Which Tablet?
Replies: 24
Views: 1710

Re: Savings rate of -2% for those under 35 - WSJ

Anyone who wished to work with a pension could have pursued it. Nowadays, outside of a small group, you cannot. You keep saying that, but you don't explain why 35% chance at a pension in the private sector in 1995 counts for you as universal access when the current 13% chance doesn't. I think you'r...
by bungalow10
Tue Nov 11, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4142

Re: Savings rate of -2% for those under 35 - WSJ

Easier said then done but if my earnings was too low and if I felt that I couldn't get the ends meet, I would sleep in my car, bathe in the gym, sleep in camp sites or something until I figured a way out of it. I knew a guy who lived in his car at a truck stop for a short time. It was a very danger...
by bungalow10
Tue Nov 11, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4142

Re: Savings rate of -2% for those under 35 - WSJ

One thing I like to point out to people who complain about millennials or "kids these days"... someone had to raise those kids, and usually that was someone of a previous generation :)
by bungalow10
Tue Nov 11, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4142

Re: Savings rate of -2% for those under 35 - WSJ

I'm not quite a millennial (35), but I think I have observed the behaviors that lead to the -2% savings rate. It's the so-called "good debt" that is causing it, at least in my group of $100-200k HHI peers. 1. Education debt, not prioritizing the payoff. 2. Car debt, finding it acceptable ...
by bungalow10
Tue Nov 11, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4142

Re: Savings rate of -2% for those under 35 - WSJ

I'm not quite a millennial (35), but I think I have observed the behaviors that lead to the -2% savings rate. It's the so-called "good debt" that is causing it, at least in my group of $100-200k HHI peers. 1. Education debt, not prioritizing the payoff. 2. Car debt, finding it acceptable t...
by bungalow10
Tue Nov 11, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4142

Re: Messy baby restaurant etiquette

Your friends respond positively to illogical condescension? Are these imaginary friends? Actually no. My friends saw me biting my lip and asked, "Your kids are so well-behaved. How do you guys do it? Can you please suggest something here to help me deal with my kids?" I think we were eati...
by bungalow10
Tue Nov 11, 2014 8:09 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4459

Re: Messy baby restaurant etiquette

Your friends respond positively to illogical condescension? Are these imaginary friends? Actually no. My friends saw me biting my lip and asked, "Your kids are so well-behaved. How do you guys do it? Can you please suggest something here to help me deal with my kids?" I think we were eati...
by bungalow10
Mon Nov 10, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4459

Re: Messy baby restaurant etiquette

I suppose I could have let my kids playing with their kickballs to look me dead in the eye and toss the ball out in front of a car and go running after it a couple of times before I stopped them. [OT comments removed by admin LadyGeek] I think most parents have different reactions for when a child ...
by bungalow10
Mon Nov 10, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4459

Re: Messy baby restaurant etiquette

^Must bite lip. If you have such a problem with people who eat out with their children who make messes, maybe you shouldn't eat out??? Uglystickrules - of my three kids, the older two were pretty well-behaved at restaurants. The third sometimes acts like you described in your first comment above. S...
by bungalow10
Mon Nov 10, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4459

Re: Messy baby restaurant etiquette

Some people, and their kids, like to eat food that isn't fast food. Thai food, Vietnamese, sushi... eating with kids does not condemn a person to eating french fries. Kids can be very adventurous and creative when given the opportunity. OP here. Thanks everyone for the thoughtful responses and sugg...
by bungalow10
Mon Nov 10, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4459

Re: Messy baby restaurant etiquette

Some people, and their kids, like to eat food that isn't fast food. Thai food, Vietnamese, sushi... eating with kids does not condemn a person to eating french fries. Kids can be very adventurous and creative when given the opportunity.
by bungalow10
Mon Nov 10, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4459

Re: SmartyPig Adventure

It might be simpler to get a Chase Amazon.com Rewards card - it pays 3% back.
by bungalow10
Mon Nov 10, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: SmartyPig Adventure
Replies: 4
Views: 458

Re: Bunk Bed: question and recommendation

My boys have a twin over full from Costco. Kids love it. Top bunk is pretty much ignored at this point. Good value for the money. Buy in the store during a Costco furniture even (July and January) and you will save money over costco.com. My daughter has a twin sized loft bed. We bought dorm furnitur...
by bungalow10
Mon Nov 10, 2014 10:51 am
 
Forum: Personal Consumer Issues
Topic: Bunk Bed: question and recommendation
Replies: 7
Views: 728

Re: The 4-year mortgage payoff plan

Just wanted to say I'm kicking myself for not taking that Penfed 1.99% 5 year loan when it was available. It would've been an unaffordable payment at the time, but still that's just about the lowest rate I've ever seen. I almost took that too, but back when Penfed had that another credit union had ...
by bungalow10
Mon Nov 10, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 19683

Re: Messy baby restaurant etiquette

I have three kids, the oldest is seven, the youngest is almost two. We've had great meals out with the kids, we've had hellish ones. The biggest risk is when the kid is 12-36 months old. They can be angels and charm the wait staff out of cookies and treats... or they can be little devils and make yo...
by bungalow10
Mon Nov 10, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4459

Re: 1276% toll admin fee from Dollar. 86% of rental cost

Does Texas have a self-pay feature online for tolls? Can you pay it there and then submit to Dollar that you paid the tolls yourself?

If you do dispute, call them and dispute it. Talking to a person will probably get you further and they may be able to take care of it in just a few minutes.
by bungalow10
Sun Nov 09, 2014 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 7063

Re: ObamaCare vs. Private Insurance??

I was in this situation last year- and was told that after Dec. 31, 2013, only grandfather'ed plans outside the exchanges were still available . In other words, in the non-employer market, once you give up your private plan, you can only use the Obamacare plans. The system is designed specifically ...
by bungalow10
Fri Nov 07, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 9232

Re: ObamaCare vs. Private Insurance??

I was in this situation last year- and was told that after Dec. 31, 2013, only grandfather'ed plans outside the exchanges were still available. In other words, in the non-employer market, once you give up your private plan, you can only use the Obamacare plans. The system is designed specifically t...
by bungalow10
Fri Nov 07, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 9232

Re: Tough spot, decided to lease a car

We are definitely being trolled.
by bungalow10
Thu Nov 06, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13838

Re: For Women on this forum and those who share their expert

I'm glad you can get all the personal finance information you will ever need from Bogleheads.org. The fact that I am also on Bogleheads.org and telling you that I appreciate and will utilize other personal finance sites should be enough for you to understand that personal finance isn't one-size-fit...
by bungalow10
Thu Nov 06, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 4404

Re: Tough spot, decided to lease a car

4. As mentioned earlier I have a significant savings for retirement over my peers. Oh the last sacred cow, is no I will not sell the house. I have been doing maintenance myself, as much as I can, and with all new appliances we should be good to go for a while. Our payments will also decrease within...
by bungalow10
Thu Nov 06, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13838

Re: Your very first email

Prodigy email. Their first round was only internal, to other Prodigy customers. Then they started including 30 REAL emails a month with each household account. This would have been about 1991? I was in middle school. Prior to that, I was on BBSes and message boards. eta: just found this on Wikipedia...
by bungalow10
Thu Nov 06, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2371

Re: For Women on this forum and those who share their expert

I'm glad you can get all the personal finance information you will ever need from Bogleheads.org. The fact that I am also on Bogleheads.org and telling you that I appreciate and will utilize other personal finance sites should be enough for you to understand that personal finance isn't one-size-fit...
by bungalow10
Thu Nov 06, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: For Women on this forum and those who share their expertise
Replies: 43
Views: 4404
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