Search found 1917 matches

by bungalow10
Tue Apr 14, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 5117

Re: Kitchen upgrade - granite selection help

We wanted granite a few years back but found it was all WAY too busy and a lot already looked dated. We went with soapstone, which I love the look of, but it hasn't held up well (chips, scratches). It goes with my personal tendency towards things looking natural and having character, but I'm sure if...
by bungalow10
Sat Apr 11, 2015 7:24 am
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5890

Re: On a budget and Friday night

There are four of you, OP? How old are your kids? If we have four adults (or I think some older kids could play), you could play the best game ever - Settlers of Catan. With my little kiddos, we make homemade popcorn, sometimes watch a movie. Sometimes we just turn on Pandora and dance in our living...
by bungalow10
Mon Mar 23, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 4731

Re: Urgent Care Centers - When should they be used?

Well I may be having to use them more now that my family practice doctor of over 10 years just announced he is going Concierge (MDVIP). Wants $1800 per person per year just be on his patient list. So $1,800 x 4 = $7,200 yr plus $14,400 yr medical insurance and your ups to $21,600 per year before ev...
by bungalow10
Mon Mar 23, 2015 3:15 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 4731

Re: Urgent Care Centers - When should they be used?

We have used urgent care for minor injuries - I stepped on something and needed a tetanus booster, my daughter cut her foot at a water park, kid develops high fever on a road trip... We have a third option with our insurance - Teladoc. Talk to a doctor on the phone, they will even get you a prescrip...
by bungalow10
Fri Mar 20, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5506

Re: Which credit union are you a member of?

No, they did eliminate the 0.25% cash reward on non-gas purchases but the 5% cash back on gas is still going... https://penfed.org/Platinum-Cash-Rewards/ I still have that card and I switched all my gas purchases to another card because I was not getting 5% back on my gas purchases and hadn't been ...
by bungalow10
Fri Mar 20, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 5103

Re: To MBA or Not to MBA

MBAs part time don't usually get internal recognition within companies and they have less academic prestige than full time programmes. The money for a full time programme is generally only worth it for the top 15 schools and then only if you follow that up with a prestige employer (consulting, bank...
by bungalow10
Fri Mar 20, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Convert paoer Ibonds to electronic?
Replies: 6
Views: 748

Convert paoer Ibonds to electronic?

I purchased Ibonds with our tax refund. I used TurboTax and somehow I ended up with paper bonds. I don't want paperbonds, is there anyway to convert these to electroncic?
by bungalow10
Fri Mar 20, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 5103

Re: To MBA or Not to MBA

mnsportsgeek wrote:If the company pays for it. Yes.
If it's out of your pocket. Don't waste your money.


+1

My employer paid for mine. I did it while I was in my 20s, graduated while pregnant with my first child. Now, eight years and three kids later, I'm so glad I did it.
by bungalow10
Thu Mar 19, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5506

Re: Which credit union are you a member of?

tbradnc wrote:

Pentagon Federal's ongoing Cash Rewards card with 5% cash back on gas purchases is great.


I thought this program was discontinued a year ago or longer.
by bungalow10
Thu Mar 19, 2015 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5506

Re: Which credit union are you a member of?

I belong to Penfed and pretty much have been happy with them. I also belong to Quorum - they have my mortgage right now - 15 years at a fixed 2.375%. Penfed wasn't even close :) I have my HELOC with UW Credit Union (University of Wisconsin). Their HELOC application to close process was 3-4 days, th...
by bungalow10
Thu Mar 19, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5506

Re: Which credit union are you a member of?

I belong to Penfed and pretty much have been happy with them. I also belong to Quorum - they have my mortgage right now - 15 years at a fixed 2.375%. Penfed wasn't even close :) I have my HELOC with UW Credit Union (University of Wisconsin). Their HELOC application to close process was 3-4 days, th...
by bungalow10
Wed Mar 04, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 2904

Re: Arguing Dental Bill

It is your responsibility to know what your insurance will and wont cover, you authorized the work you need to pay the bill. People need to stop being passive in their care and take ownership over their medical and dental care. Yeah that's nice but have a full time job already and trying to get tha...
by bungalow10
Wed Mar 04, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 2904

Re: Arguing Dental Bill

It is your responsibility to know what your insurance will and wont cover, you authorized the work you need to pay the bill. People need to stop being passive in their care and take ownership over their medical and dental care. +1 If anyone wants to know why medical costs are high, look at how much...
by bungalow10
Wed Mar 04, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 2904

Re: Arguing Dental Bill

If you had a huge infection in your jaw, and you just had a panoramic Xray taken a year ago, what is the dentist supposed to do? Not take it because ins co won't cover it? Problem is with insurance companies 9 times out of 10 and not the dentist. How about mentioning something like this before taki...
by bungalow10
Fri Feb 27, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 2424

Re: 3 Kids and 2 Dogs - Next Vehicle

Three kids in car seats forces you into needing three rows. (As you've planned.) No, it doesn't. We have had three in car seats and currently have two in boosters and one in a car seat. Up until recently we were driving a 2005 Chevy Impala (still have) and a 2006 base model Highlander (no third row...
by bungalow10
Thu Feb 26, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 5525

Re: Raise was only 2.44%?

My company's merit increases were recently announced. For an employee who met all their goals and expectations, they received slightly over 2%. Employees who didn't received nothing. Employees who knocked it out of the park (high bar here, very few employees get this), it was a little over 4%. There...
by bungalow10
Thu Feb 26, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 245
Views: 27120

Re: What are Costco's best deals?

I used to have a membership, but shopping there is just not much fun, too crowded for one thing (just parking is a nightmare) and you always feel like your wasting your time if you don't come out with a cart full of stuff (and it's way to easy to come out with a cart full of stuff). I can still sho...
by bungalow10
Thu Feb 26, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 2424

Re: 3 Kids and 2 Dogs - Next Vehicle

Three kids in car seats forces you into needing three rows. (As you've planned.) No, it doesn't. We have had three in car seats and currently have two in boosters and one in a car seat. Up until recently we were driving a 2005 Chevy Impala (still have) and a 2006 base model Highlander (no third row...
by bungalow10
Wed Feb 25, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 15860

Re: How much did you have saved up for retirement at age 30?

I turned 30 in December 2008 - which as many of you probably remember was right as the markets came crashing down. I had $125,000 2008 dollar, or $137,000 adjusteed for inflation. Six months prior (June 2008), I had $54,000 more than that - $179,000. DH and I are now 36 and recently passed the $500k...
by bungalow10
Fri Feb 20, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1642

Re: my savings account is high risk!

Grt2bOutdoors wrote: Or put the money in an online far away bank where it takes "days" to get delivered to you.


Ibonds are my friend for this very reason. The TD website is so tediuous to use that the mere thought of trying to figure out how to cash out an ibond makes me lose all desire to spend money.
by bungalow10
Fri Feb 20, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1642

Re: my savings account is high risk!

FelixTheCat wrote:How about putting the money in a short-term tax-exempt bond fund? That would be invested so you wouldn't be tempted to buy that shiny new bauble.


I like that.
by bungalow10
Fri Feb 20, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1642

Re: my savings account is high risk!

I have found it useful to open multiple "cash" accounts and earmark them for various things. +1 I have an online account with multiple cash accounts that are for different categories; Bills, Petty Cash, Vacations, Christmas, etc. The money is only spent for the account's purpose. This hel...
by bungalow10
Fri Feb 20, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1642

Re: my savings account is high risk!

It's actually quite a good idea to be putting aside money in a taxable savings account like that, in addition to your retirement accounts. This allows you to buy your next vehicle for cash, or maybe mostly cash, instead of needing to borrow 90% of the purchase price. So I don't see a huge problem h...
by bungalow10
Fri Feb 20, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1642

Re: my savings account is high risk!

When looking at those potential new purchases, you need to remind yourself: "An elephant for a dime is only a good deal if you need an elephant and have a dime." Or something like that. oh I do, I definitely do. With the money sitting there, I find myself browsing new cars online every on...
by bungalow10
Fri Feb 20, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1642

my savings account is high risk!

Whenever I have a chunk of cash in any account, I want to spend it. I find myself daydreaming about a new car, vacations... I'm not a big spender (our cars have about 350,000 miles between the two and our vacations are usually camping), I'm a pretty consistent saver. But I find that I have to have m...
by bungalow10
Fri Feb 20, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2757

Re: electric toothbrush

I really like my Sonicare. Ours was broken for awhile and when we finally replaced it I was amazed at how much I had missed it. Even though I had been brushing and flossing regularly, the Sonicare really makes me teeth feel cleaner - closer to that freshly polished feeling after a dental checkup.
by bungalow10
Tue Feb 10, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 1096

Re: Niagara Falls!

This is all great, keep up the suggestions! We will be there a full week and have lots of time to fill. There are lots of great historical sites, on both sides of the border, if you are interested in that sort of thing. http://www.visitbuffaloniagara.com/things-to-do/history/ Thank you, we are very...
by bungalow10
Tue Feb 10, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 1096

Re: Niagara Falls!

This is all great, keep up the suggestions! We will be there a full week and have lots of time to fill.
by bungalow10
Tue Feb 10, 2015 1:19 pm
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 1096

Re: Niagra Falls!

You need a passport. There's a lot of rather cheesy, touristy stuff - my opinion. I went twice last year. Still learning photography but this may give you some idea. Blogs: http://journeyniagara.blogspot.com/ http://jouneyniagarasun.blogspot.com/ I figured there was a lot of touristy stuff, but I'm...
by bungalow10
Tue Feb 10, 2015 1:04 pm
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 1096

Niagara Falls!

DH and I are taking the kids to Niagara Falls this summer (June/July). Kids are 7, 5, 2 years old. We will be renting a house on the US side. I have questions... 1. Do we need passports to travel to/from Canada? I was told "no" by a friend, but googling indicates that is not the right answ...
by bungalow10
Mon Feb 09, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1991

Re: DH and I are buying bicycles

Ok here's the deal. You sound like mostly recreational bike riders, which mean you might train for that 70 miler event, but then only ride sporadically (like less than once/wk) if there are no events. Unless you actually plan on riding off-road for fun, you should get a pure road bike (it's faster ...
by bungalow10
Mon Feb 09, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1991

Re: DH and I are buying bicycles

HurdyGurdy wrote:70 miles a day? that is a long ride!
Bikes do not decay over time (as a car would), except some obvious parts (brakes, etc). I'd buy the used $250 one.


Ok, now I'm concerned that my dad is setting me up for a day of bike-induced misery.
by bungalow10
Mon Feb 09, 2015 4:19 pm
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1991

Re: DH and I are buying bicycles

70 miles? Team rides? Those would be extremenely strenuous. I see no reason to not expect to buy more than one bike for each of you. That is, bikes are inexpensive enough that one does not have to make a perfect decision the first time. Is 70 miles strenuous? The ride in question is bacon-themed an...
by bungalow10
Mon Feb 09, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Deleted.
Replies: 24
Views: 3491

Re: Budget for family of 4

YNAB - You Need a Budget - Best budgeting software out there, it will help you answer some of these questions for yourself if you use their process.
by bungalow10
Mon Feb 09, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1991

DH and I are buying bicycles

So... buying bicycles. We don't currently ride, but our kids (all under 10) do, so DH and I want bikes for us. We plan to do some fun team rides, 70 miles or so, but nothing strenuous or anything like that. We are getting a crazy wide array of buying advice. Everything from "buy a bike at a yar...
by bungalow10
Mon Feb 09, 2015 11:55 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 80212

Re: Mr. Money Mustache: Hero or Foolish?

HomerJ wrote:And you don't get to fly to Hawaii for 2 weeks with your whole family on a $25k budget.



Yep, that's where MMM lost me. I don't think his reported spending is in line with his reality.
by bungalow10
Sun Feb 08, 2015 9:07 am
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 8629

Re: How much was your Tax Refund (or amount DUE)

~$7500 refund on Federal ~$2500 refund on State Federal will go to ibonds (can we do $7500 as a couple, or is it max of $5k per filing?), State refund will be fun money :) We sold a rental property, DH decided to do the SAHD thing... taxes were difficult to predict this year. ETA: $5k will go to ibo...
by bungalow10
Fri Feb 06, 2015 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 8421

Re: Unhappy With Job Raise

Is this new position they've talked about one you would be expected to apply and interview for?
by bungalow10
Thu Feb 05, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: time to replace my router?
Replies: 45
Views: 3992

Re: time to replace my router?

I purchased a $20 router from Amazon for my brother. 10 minute setup. Great little router, especially for the money. At home we use a $160 Netgear fancy-pants router. But we have two smart-TVs, four Kindles, two laptops, printer, smartphone, Amazon Echo, etc. And we needed the improved range to reac...
by bungalow10
Tue Feb 03, 2015 8:56 am
Forum: Personal Consumer Issues
Topic: 3 must have car safety/'Convenience safety' features
Replies: 36
Views: 2976

Re: 3 must have car safety/'Convenience safety' features

Hands free talk is a must have for me. It's actually illegal here to talk on a cell phone while driving. Hands free talking reduces safety. It is the talking on the phone part that is really unsafe. The holding the phone is pretty minor compared to that. +1. Hands-free doesn't make it safer, just l...
by bungalow10
Tue Feb 03, 2015 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Home Remodel
Replies: 7
Views: 1311

Re: Home Remodel

Kingk13 wrote:I’m looking to take out some money to do some significant home remodeling. I will need about 50k to do this project. The home is valued at 160,000 and I owe 120,000. What are my best options to finance this?

Thanks!


Cash.
by bungalow10
Mon Feb 02, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 5482

Re: How to fire a client? [software ownership issues]

No rights to the source code? What do you think his payments to you were for? Unless you had a written agreement that you were "renting" him this software - I'd say his payment for software was to own.....software. In the future - CONTRACT. Services. I work with IT vendors and we never ge...
by bungalow10
Mon Feb 02, 2015 2:39 pm
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10223

Re: How much is a safe car worth?

boroc7, A year ago I faced a similar decision when my son and I were rear-ended on a country highway while driving a Lexus Rx350. Impact was at about 40mph and we were rattled, but both walked away from it. 9 years earlier my wife was rear ended at a stop light driving a 2002 Camry. Impact was abou...
by bungalow10
Mon Feb 02, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 5482

Re: How to fire a client? [software ownership issues]

No rights to the source code? What do you think his payments to you were for? Unless you had a written agreement that you were "renting" him this software - I'd say his payment for software was to own.....software. In the future - CONTRACT. Services. I work with IT vendors and we never ge...
by bungalow10
Mon Feb 02, 2015 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 5482

Re: How to fire a client? [software ownership issues]

Definitely get a lawyer.

I personally would NOT provide a copy of the source code to the app you authored to the guy. I would consider providing the code for the mods you made to the other vendor's app.
by bungalow10
Mon Feb 02, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 10223

Re: How much is a safe car worth?

We are in the "new" car market and I might actually bite the bullet and buy a rather expensive new car. I commute pretty regularly from Madison, WI to Chicago in the winter for work. Plus we have three kids and like to camp. I am very intersted in the new 2015 Subaru Outback. Seems like a ...
by bungalow10
Sat Jan 31, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4561

Re: Filed your 2014 Federal Taxes yet?

I wish. I still have two W-2s (for me) that need correction and DH's W-2 for the work he did last Janauary hasn't arrived. :x
by bungalow10
Mon Jan 26, 2015 4:38 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 185
Views: 15195

Re: Good Modern Science Fiction

Another vote for Wool, or any of Hugh Howey's books.
by bungalow10
Mon Jan 26, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 42475

Re: Anyone regret paying off mortgage early?

It's interesting that those who have paid off our mortgages largely have no regret, often emphatically, but those who have not (or perhaps never have even had a mortgage) are trying to convince us that we should have regret? Am I missing something here? I haven't paid off my mortgage, but I'm hopin...
by bungalow10
Mon Jan 26, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 42475

Re: Anyone regret paying off mortgage early?

You are making some pretty bone-headed assumptions with this example. Agreed; but surely there are plenty of folks out there who have drained their liquidity (financial safety) to pay off long term low cost debt - and these people are not in better shape financially in my opinion. Those people can ...

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