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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
Fri Feb 27, 2015 8:45 am
 
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 1791

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 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 4535

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 2:56 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 148
Views: 11094

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 1:38 pm
 
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 1791

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
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: 169
Views: 11449

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 4:18 pm
 
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1398

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 12:49 pm
 
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1398

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 12:44 pm
 
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1398

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 12:31 pm
 
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1398

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 12:05 pm
 
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1398

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 12:00 pm
 
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1398

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
Fri Feb 20, 2015 11:14 am
 
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2157

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 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 974

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 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 974

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 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 974

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
Tue Feb 10, 2015 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 974

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 5:26 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1591

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: 1591

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 4:19 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1591

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 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget for family of 4
Replies: 24
Views: 2974

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 3:56 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1591

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
Mon Feb 09, 2015 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 417
Views: 62281

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
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: 7189

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
Fri Feb 06, 2015 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Unhappy With Job Raise
Replies: 78
Views: 7607

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
Thu Feb 05, 2015 11:39 am
 
Forum: Personal Consumer Issues
Topic: time to replace my router?
Replies: 45
Views: 3391

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 8:56 am
 
Forum: Personal Consumer Issues
Topic: 3 must have car safety/'Convenience safety' features
Replies: 36
Views: 2543

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
Tue Feb 03, 2015 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Remodel
Replies: 7
Views: 1233

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 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4891

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 2:39 pm
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9004

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 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4891

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 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: How to fire a client? [software ownership issues]
Replies: 69
Views: 4891

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
Mon Feb 02, 2015 11:01 am
 
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 9004

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
Sat Jan 31, 2015 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 60
Views: 4043

Re: Good Modern Science Fiction

Another vote for Wool, or any of Hugh Howey's books.
by bungalow10
Mon Jan 26, 2015 4:38 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 155
Views: 8954

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 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 39000

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 ...
by bungalow10
Mon Jan 26, 2015 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 39000

Re: Anyone regret paying off mortgage early?

regret being debt free? absolutely not! So you would rather have the following personal financial statement: Miles Monroe Cash $20,000 Debt $0 Net Worth $20,000 versus this: Cash $400,000 Debt $380,000 @ 3.5% for 30 years fixed Net Worth $20,000 Which statement is more prepared for life's challenge...
by bungalow10
Mon Jan 26, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 39000

Re: Success stories of NOT buying more/too much house

If I had bought a house for $350,000 or $400,000 in some more expensive neighborhoods in my metropolitan area 17 years ago, that house would easily be worth $1 million today. Right, but the cost of those upgrades would have scaled up, as would insurance, taxes, interest.... Don't assume the sticker...
by bungalow10
Mon Jan 26, 2015 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 65
Views: 6138

Re: boglehead workout

I'm looking for exercise workout that is the equivalent of the 3 fund portfolio. Something simple, easy, accessible, not too time consuming, low cost etc. This made me chuckle. Boglehead approach to non-financial matters I suppose means simple, consistent, cost-effective. I think it depends on your...
by bungalow10
Fri Jan 16, 2015 2:27 pm
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4596

Re: boglehead workout

Walking. Risk of injury is low, easy to incorporate in just about any other activity you have to do. No fancy clothes or equipment necessary, unless you find yourself wanting a treadmill (which I recommend, I use the heck out of mine). I walk 15,000 steps a day. This is about 10,000 steps (5 miles) ...
by bungalow10
Fri Jan 16, 2015 2:10 pm
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4596

Re: make mortgage payment with a credit card?

I have a Serve account and a Fidelity Amex (serviced by FIA). I load $1000/month from my Amex (5x$200 loads) onto my Serve Account. Then I withdraw the $1000 from Serve into my bank account. Serve does not require the use of bill pay or sending the payment anywhere to get the cash out. FIA credits ...
by bungalow10
Thu Jan 15, 2015 3:33 pm
 
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 33
Views: 4383

Re: make mortgage payment with a credit card?

I have a Serve account and a Fidelity Amex (serviced by FIA). I load $1000/month from my Amex (5x$200 loads) onto my Serve Account. Then I withdraw the $1000 from Serve into my bank account. Serve does not require the use of bill pay or sending the payment anywhere to get the cash out. FIA credits $...
by bungalow10
Thu Jan 15, 2015 3:20 pm
 
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 33
Views: 4383

Re: How do you contribute to your IRA?

sls239 wrote:Crazy hybrid method.

$550 / month, 10 months of the year.


I used to do that, I'm thinking about going back. It worked well... I had extra money in November and December (after Roth was maxed) to pay for the holidays and any extra property tax money that was needed.
by bungalow10
Mon Dec 15, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1754

Re: Your Favorite Cookbook?

I probably have over a hundred cookbooks as I love to cook. Although what I enjoy most is having an idea of what I want to eat and share with friends and then I search for a youtube video demonstration and watch a few videos of different chefs making the same type of meal such as pan seared tuna, a...
by bungalow10
Sun Dec 14, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5803

Re: Your Favorite Cookbook?

Our church cook book from 1973. Used many of those recipes when we owned a catering firm. I use the Templeton, IA 1982 Centennial Cookbook. Some of my best and most often cooked recipes come from that book. I grew up eating those recipes. I also like Rick Bayless, I get one of his books from our li...
by bungalow10
Sun Dec 14, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5803

Re: Your Favorite Cookbook?

I have Mastering the Art of French Cooking, but I have no idea where to start. Any suggestions to get me going? It depends on what you like. Probably the easiest, and, to my palate, one of the tastiest, is her Onion Soup recipe. But I'm wondering if your kids would go for it? If you are a beef eate...
by bungalow10
Sun Dec 14, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5803

Re: Your Favorite Cookbook?

My most used cookbook is Artisan Bread in Five Minutes a Day . It lives on my counter and I plan to use it today to make pans of caramel pecan rolls for holiday gifts. I also love Dinner: A Love Story . Great recipes for families that like good food, but don't always have a lot of time. My kids love...
by bungalow10
Sun Dec 14, 2014 7:11 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5803

Re: How to teach young kids to be frugal?

I grew up fairly poor. Not in poverty, but not well off either. Bad neighborhood, thrift store clothes, but always food on the table and bills were always paid. My parents ALWAYS had money for Catholic school and we always got to buy a book from the Scholastic book flyer. Rarely was there money for ...
by bungalow10
Fri Dec 12, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4317

Re: Why So Many Used Prius for Sale?

Anyone here with a Prius have kids? I'm thinking of buying one for me as my commuter. It wouldn't be the primary kid hauler, but needs to handle two adults and three kids in a pinch. Also, how are they on comfort? My job entails driving to an alternate site a few times a month, 325 miles round trip...
by bungalow10
Thu Dec 11, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 7109

Re: More money equates to feeling poor?

More stuff equates to feeling poor. Not more money.

edit - and I do feel poorer now, but that's because I have more mouths to feed and more responsibility.
by bungalow10
Thu Dec 11, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 50
Views: 6285
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