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Re: Do you regret buying your home?

I was very focused on a particular area/school district when we moved, but it was tough because inventory levels were low and it's hard to find what you want without breaking the bank (on prices and taxes). As far as houses go, I think we hit a home run and got a great house. Huge lot, close to a gr...
by davebo
Fri Oct 24, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 66
Views: 4521

Re: Mr. Market turns on Amazon

The only thing that keeps amazon's stock price from tanking is the fact that people justify holding the stock because they like the company personally and shop their often. It's not surprising amazon is having a hard time making money. The stuff that is stocked by and sold by amazon is priced SO CHE...
by davebo
Fri Oct 24, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 36
Views: 3004

Re: Daycare educational material for 3 year old

My kids are 3-years old and we use their preschool as a daycare as well (although it's more considered "full day preschool"). The setup in that room kinda looks like a daycare/playroom, but there are several small tables with activities to learn sorting by color/size, puzzles, games to hel...
by davebo
Thu Oct 23, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 687

Re: Is investing in real estate worth it?

Just after reading this I'm already thinking I'm probably not up for it. I already have a side-business that generates significant cash flow so I should probably focus on that. I should build that up for as long as I can since it's probably the best use of my time. I hear all the time that people ma...
by davebo
Wed Oct 22, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is investing in real estate worth it?
Replies: 28
Views: 2394

Is investing in real estate worth it?

I'm 36, married, with 3 kids. We have managed to save a decent amount for retirement and have a fair amount of surplus income due to a business that we run on the side. We used to tap into that income a bit more because my wife was staying at home with the kids, we took a loss on a previous home, an...
by davebo
Wed Oct 22, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Is investing in real estate worth it?
Replies: 28
Views: 2394

Re: Kids & Sports

I experienced something similar personally when growing up. I owned the baseball diamond for several years. Then as the other guys started getting betterment and physically bigger, I slowly lost my edge. Being hit by pitches didn't help my psyche either, but that's another story. It sounds like he ...
by davebo
Tue Oct 21, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2283

Re: DIY Winterizing Sprinkler / Irrigation System

Some 20 years ago I read an article that said there is NO need to blow the underground sprinkler system. Based on the above, every year I open the valve in the control box and the valve outside of the house. I have been doing this for the last 20 years. I never used professional service to handle t...
by davebo
Mon Oct 20, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: DIY Winterizing Sprinkler / Irrigation System
Replies: 17
Views: 1416

Re: Kids & Sports

I coach u8 soccer for my sons team. He started playing at age 5. First year he cried nearly every game and hated it. At age six, he cried less(but still cried sometimes) even though I was coaching. This year he's one of the best on our team. Kids develop at different paces and he's only 6. hardship...
by davebo
Mon Oct 20, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2283

Re: Kids & Sports

What activities *does* he enjoy? This could be something he "sort of does" on his own time, or something he enjoys watching (live or otherwise). Athletic/physical or otherwise? RM He loves to ride his bike, go to the park, he likes board games, he likes reading (or us reading to him), he ...
by davebo
Fri Oct 17, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2283

Re: Kids & Sports

This isn't addressing the potential physical issues, but more the mental side and the tentativeness. Some kids prefer individual sports to team sports because they don't have that natural aggression to the ball that sports like soccer or basketball require. Have you considered other individual spor...
by davebo
Fri Oct 17, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2283

Re: Kids & Sports

Sounds like you already have some good insights. I have a couple of kids who are grown up now. Over the years I helped out with their teams and coached one of them in several sports. I think its very hard not to get "pushy" regarding the sports. Its also difficult to see your child object...
by davebo
Fri Oct 17, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2283

Re: Kids & Sports

Is the situation the same one you describe here: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=140721 Or are things substantially different? Are things different than they were in June? My oldest son is almost 6 and has tried a couple different sports. He's run a couple local races (1 mi...
by davebo
Fri Oct 17, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2283

Re: Kids & Sports

I guess I'd suggest ruling out the "to a person with a hammer, everything looks like a nail" situation, and get input from specialists who aren't already "looking for this specific problem". Ha. I like that quote, I'll have to work it into my repertoire :P We actually took him i...
by davebo
Fri Oct 17, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2283

Kids & Sports

So my son is 6 years old and plays soccer and t-ball. When he first started playing soccer, he was very good. But over time, he started to get more tentative on the field and is now one of the bottom kids out there. Last year, he was really avoiding the ball at all costs. This year, he’s improved a ...
by davebo
Fri Oct 17, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Kids & Sports
Replies: 26
Views: 2283

Re: Your personal risk level: Got your flu shot yet?

I had never gotten the flu before a couple years ago, but did get it last year pretty bad. I'm getting mine in the next couple weeks.
by davebo
Wed Oct 15, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 2967

Re: You may be getting charged rent for a router/modem you o

I did rent a modem from Comcast maybe 8 years ago and paid for it for 2 years. At that point, the charge disappeared from my bill and they told me that I basically owned the modem at that point. The modem failed, I threw it out, and bought my own one that I used for quite awhile. All the sudden a co...
by davebo
Tue Oct 14, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 30
Views: 2981

Re: Cleaning Up Leaves

> I burn mine. Ah, we used to do this when I was a kid. Rake them to the edge of the street and light. The smell of burning leaves meant fall was here. Now (in AZ) it means there's a forest fire. I can burn mine since I'm in an unincorporated area, but our lots aren't more than a 1/2 acre and I do ...
by davebo
Mon Oct 13, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3012

Re: Cleaning Up Leaves

This was trending on Yahoo. "Wait, Is It Actually a Mistake to Rake Leaves?" https://homes.yahoo.com/news/wait-actually-mistake-rake-leaves-233015886.html Thanks for the input everyone....I think I'm going to just try cutting the grass and grinding them up a few times a week before they h...
by davebo
Sun Oct 12, 2014 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3012

Re: Support that HSAs might not be the best option for you

I think the answer is that it depends on the plans you're being offered. At my last job, the High Deductible plan was maybe $3K deducible vs. $1K deductible and the premium savings was $2K per year (roughly). In that case, it makes sense to go with the HDHP. Other employers I've worked for, it's not...
by davebo
Fri Oct 10, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Support that HSAs might not be the best option for you
Replies: 38
Views: 3473

Cleaning Up Leaves

My house has an obscene amount of leaves every fall. In my prior home, I never had to deal with it so each year I try different strategies. Year 1: I just pushed the leaves in the mulch and left it there. Not a good move, too many of them and I heard this attracts critters. Year 2: Did a combo of ch...
by davebo
Thu Oct 09, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3012

Re: Process for organizing and sharing photos

I take most of my photos with an iphone these days and they just put in a nifty feature where you can "heart" your favorite pictures and it will organize it into a separate folder. For pictures: 1) I transfer them to my computer and put them in a folder with the date range. 2) I upload the...
by davebo
Wed Oct 08, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Process for organizing and sharing photos
Replies: 11
Views: 771

Re: Sump Pump Running Every 8 Minutes?

Well looks like it's starting to spread out a bit and now pumping every 18 minutes. Maybe I just had a lot of accumulation or something around my house and it's clearing the water out.
by davebo
Tue Oct 07, 2014 11:26 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1344

Re: Indoor tankless water heater recommendations

I've always read that tankless water heaters have a breakeven point of 20+ years, which is probably longer than they'll last. We are a family of 5 (3 little ones) and have a 50 gallon water heater and we've never had issues with hot water. I'd stick with the tried/true. How much how water could you ...
by davebo
Tue Oct 07, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Indoor tankless water heater recommendations
Replies: 29
Views: 1904

Re: Sump Pump Running Every 8 Minutes?

You don't have a leak in an underground water pipe, do you? You should be able to check that by watching the water meter. I forget the process, obviously something like when no water is in use, watch the special leak detector needle. You can still have a very slow leak that won't show up on that. I...
by davebo
Mon Oct 06, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1344

Re: Sump Pump Running Every 8 Minutes?

Is it possible that that little "float" (or other mechanism) that triggers the sump pump to start (giving a "water level too high" message, so to speak) is set too low, and you are sort of pumping out of the local water table? Or at least a water table height when season isn't e...
by davebo
Mon Oct 06, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1344

Re: Sump Pump Running Every 8 Minutes?

Perhaps your sump pump is shooting the water out of your house into some soil that sits in such a way that the water just then drains back into your basement and thus causing the pump to continually run? Also, your gutter down spouts might be emptying the water right into soil that is just draining...
by davebo
Mon Oct 06, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1344

Sump Pump Running Every 8 Minutes?

Ok, I will fully admit that I'm kind of a novice when it comes to most homeowner stuff. I lived in a new construction for 8 years and never really dealt with much when it came to replacing things in the house. So I knew with all the rain that I should probably get my sump pump checked out so I calle...
by davebo
Mon Oct 06, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1344

Re: Cash In Credit Card Points? Or Keep Accumulating?

I have a discover card and it's very easy to just use it when I buy stuff on Amazon, but lately I've been acccumlating because we're planning a trip to disney. Just makes me feel like it's offsetting the purchase a bit more. But otherwise, I cash em in.
by davebo
Sun Oct 05, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash In Credit Card Points? Or Keep Accumulating?
Replies: 28
Views: 2492

Re: Being older/younger in class -- benefits, issues?

I was deliberately held back like you are describing and looking back it definitely benefited me both socially and in academics. Every kid will mature at a different pace but you wouldn't want to be the youngest and also mature at a slower pace. Unless you are dealing with a baby genius no need to ...
by davebo
Fri Oct 03, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 113
Views: 8947

Re: Leaving a legacy

My grandparents died when they were in their 70's/80's, so both my parents were well into their 50's when any kind of inheritance came along. At that point they had raised 5 kids, held down jobs, bought a house, and put us through college. I don't know many people that fit that description that woul...
by davebo
Thu Oct 02, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a legacy
Replies: 63
Views: 4038

Re: Would you buy a house in cash if you had enough?

I'd take out the mortgage for 80% and then make a decision each year about how much you'd want to pay down. I wouldn't want to make a decision right now to part with $300K when so much could happen in the future.

Personally I wouldn't be happy with a 4% return on my money, but that's just me.
by davebo
Thu Oct 02, 2014 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4335

Re: Buy Local

I don't think we have any local grocers anymore, maybe just regional. There's a bank called "Wintrust" around here that opens up branches marketed as local like "Anytown Community Bank", but they all roll up to the big organization.
by davebo
Wed Oct 01, 2014 10:40 pm
 
Forum: Personal Consumer Issues
Topic: Buy Local
Replies: 29
Views: 2389

Re: Those under 35 with a child 5 or under: Costs of child?

We have 3 kids under 6 and the biggest cost, by far, is daycare expenses. I kinda find the other expenses were offset, more or less, by not doing things we used to do a lot more (concerts, dinners out, weekends away, etc). Our daycare expenses are around $2500/month, but that's for "full day pr...
by davebo
Wed Oct 01, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4426

Re: Is my husband a spendthrift? Or I a tightwad?

Yikes! When I first read your post I was assuming that you were just dividing up your expenses too much in a small budget. Most people don’t have a “gardening” budget, so I was assuming you were allocating like $50 to it to cover lawn bags and stickers and were getting mad when he was going out buyi...
by davebo
Wed Oct 01, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 198
Views: 15760

Re: Being older/younger in class -- benefits, issues?

I’ll just chime in on this thread because I very recently held my July born son back a year. My son entered preschool right after his 3rd b-day and in that class, there just happened to be quite a few boys that just missed the cutoff. Now I knew they were still young, but it was my first glimpse int...
by davebo
Wed Oct 01, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Being older/younger in class -- benefits, issues?
Replies: 113
Views: 8947

Re: Water Powered Sump-Pump Backups?

Davebo - your guy is very smart and his points are all valid. The biggest downside of the city water backup pump is that it costs a lot more to install vs. nothing... or a battery backup. But there's very little debate as to which is the best solution... just a matter of whether the increased cost ...
by davebo
Wed Oct 01, 2014 12:12 am
 
Forum: Personal Consumer Issues
Topic: Water Powered Sump-Pump Backups?
Replies: 19
Views: 973

Re: Water Powered Sump-Pump Backups?

I also have a Basement Watchdog with no problems so far (knock on wood). I've considered the water powered sump pump but so far have decided against it. I think a big factor is how long your power typically goes out. If your power goes out often and for extended periods I would consider it. My powe...
by davebo
Wed Oct 01, 2014 12:10 am
 
Forum: Personal Consumer Issues
Topic: Water Powered Sump-Pump Backups?
Replies: 19
Views: 973

Re: Water Powered Sump-Pump Backups?

I have the Basepump water-powered sump pump. It saved my basement this summer when my electrical sump pump failed after many years of service. The Basepump acted as the main sump for about a week while I waited for the new pump to be delivered from Amazon. I didn't even notice a blip on my water/se...
by davebo
Wed Oct 01, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: Water Powered Sump-Pump Backups?
Replies: 19
Views: 973

Re: Water Powered Sump-Pump Backups?

The guy I bought my house from had a “Basement Watchdog” battery powered system. When I decided to replace my sump pump, I asked the guy if he could take a look at my unit and make sure it was still functioning ok. He said that he would, but the problem with battery backups is that most people don’...
by davebo
Tue Sep 30, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Water Powered Sump-Pump Backups?
Replies: 19
Views: 973

Re: Lakefront property with small children?

I have 3 small kids and wouldn't do it. I guess I just don't see the upside outweighing the downside though. But to each their own.
by davebo
Tue Sep 30, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Lakefront property with small children?
Replies: 44
Views: 2107

Water Powered Sump-Pump Backups?

The guy I bought my house from had a “Basement Watchdog” battery powered system. When I decided to replace my sump pump, I asked the guy if he could take a look at my unit and make sure it was still functioning ok. He said that he would, but the problem with battery backups is that most people don’t...
by davebo
Tue Sep 30, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Water Powered Sump-Pump Backups?
Replies: 19
Views: 973

Re: How to pay for Home Addition

the idea of customizing things to our taste. and i think financially this may be the smarter decision. but that may be a topic for another post) Financially you will almost assuredly be better off by buying a bigger house. Each type of home improvement has a typical payback percentage and there are...
by davebo
Mon Sep 22, 2014 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 23
Views: 2153

Re: We have a grocery problem...

I also live in the Chicago suburbs and recently came to the conclusion that our grocery bills are WAY too high. We primarily shop at Marianos, which I guess would be considered kinda middle of the road in terms of price. As I started to analyze things, I realized that I need to shop a little bit sma...
by davebo
Fri Sep 19, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10875

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

Thanks for all the tips. I think the freezer is definitely the way to go from what it sounds. And on the point regarding the fresh chicken, I have definitely noticed that "fresh" chicken at grocery stores seem like it is previously frozen and just thawed out. I've never seen something labe...
by davebo
Fri Sep 19, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1054

Should I buy another fridge or freezer? Or neither?

We have a regular side by side fridge right now, but have been considering getting either another fridge or freezer. Originally I thought buying another fridge made sense because, partially, I wanted to upgrade our fridge in our kitchen and demote the old one to a secondary fridge (current one works...
by davebo
Thu Sep 18, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1054

Re: A 'really good book' you did NOT enjoy

I know I'll sound like an ignoramus, but I don't think I liked any books I read in school.

More recently, the book "Creativity, Inc" got rave reviews (5 stars on amazon) and I thought it was maybe a 2 or 3 star book.
by davebo
Wed Sep 17, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11129

Traditional 401k vs ROTH 401k? (hear me out!)

Here’s my current numbers: 36 years old, married, 3 kids (6,3,3) Total Income: $137K plus variable income from side business (Est. another $100K this year) Savings: 401k (Traditional): $84K IRA: $170K ROTH IRA: $52K ROTH 401k: $20K 529 Plan $56K Liquid $63K 13 years vested into State Pension My job ...
by davebo
Tue Sep 16, 2014 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional 401k vs ROTH 401k? (hear me out!)
Replies: 2
Views: 298

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 davebo
Tue Sep 16, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Buying a bounce house for personal use?
Replies: 25
Views: 1784

Re: External backup drives - Seagate vs Western Digital

Maybe I just have bad luck, but I've had several external hard drives fail on me (both Seagate and Western Digital). I still use one (have a WD now), but I use a combination of other methods of keeping things safe. 1) Everything on the computer. 2) Everything backed up to External HD. 3) Important d...
by davebo
Mon Sep 15, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 43
Views: 2886

Re: Best Outlook app for iPhone

Nut sure why you just wouldn't use the default Mail app on the iPhone. :idea: Uh, because it's junk maybe? It's fine for personal use, and I use it to see that I've received mail (I.e., as notification), but it's not fit for business purposes. Huh? It supports most major email services, it can down...
by davebo
Mon Sep 15, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: Best Outlook app for iPhone
Replies: 11
Views: 706
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