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Re: How do you afford to travel?

We traveled quite a bit before we had kids, but it slowed down when we had our 3 little ones. As they get older, we’ll start to do it more than we do now. Right now it’s pretty much up to my family lakehouse in the summer and then a trip elsewhere during the winter. I used to not mind travel at all,...
by davebo
Fri Jun 27, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6209

Re: Am I Nuts? [Purchased "forever house," planning addition

Did I make a huge mistake? Just bought a home in a very desirable Chicago suburb and location with the intent of putting an addition to the house. This is our 'forever house' We paid $570k for the house. The proposed addition is 150-200k. Our gross income is about 275k. We maximize our 53k/year in ...
by davebo
Thu Jun 26, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I Nuts? [Purchased "forever house," planning addition]
Replies: 34
Views: 2735

Re: What is the risk of having too much house

First off, congrats on your savings. I think that's a pretty impressive feat. But given what you have said, there is no way that I'd buy a house at that price at your income. My take home is around where you are, but about 1/3 of it is from a business that is very variable (so I tend to leave that o...
by davebo
Wed Jun 25, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the risk of having too much house
Replies: 51
Views: 4509

Re: How To Encourage A Young (Sensitive) Child In Sports

[...]There is a balance that is hard to find for some people. Yes you should push your kids to do their best, but not to the point where is becomes a negative thing. Some parents don't know when they need to take a step back and let the coaches do their job. I am sure it is hard as a parent because...
by davebo
Sat Jun 14, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: How To Encourage A Young (Sensitive) Child In Sports

I'm 45, have 2 boys, ages 8 and 6. The bottom line is I think we need to let kids progress at their own pace and have fun. Your son may not be ready yet - 3 years from now, he may be a stud - who knows? I think the major problem, however, is organized youth sports today - the push that these progra...
by davebo
Sat Jun 14, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: How To Encourage A Young (Sensitive) Child In Sports

But overall, he’d rather ride his bike and chase rabbits... Man, that sounds about perfect! Why not just ride bikes and chase rabbits with him if you want father/son activities? Or if you live somewhere safe enough just let him explore on his own. I don't want people to think that this is consuming...
by davebo
Tue Jun 10, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: How To Encourage A Young (Sensitive) Child In Sports

My son just turned 7 and sounds very similar to yours. I also helped out with coaching Soccer the last two seasons. Don't give up on him yet! I've seen a night & day difference in the last year. Side note, but my son has really started to accell at gymnastics. He continues to play soccer, baseb...
by davebo
Mon Jun 09, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: How To Encourage A Young (Sensitive) Child In Sports

Davebo: Your son is very lucky to have a father who is not only involved in his life but willing to ask questions, admit mistakes and rethink parenting issues when something seems "off." So, whether or not he ends up being into sports, he is likely to turn out just fine because of your at...
by davebo
Mon Jun 09, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: How To Encourage A Young (Sensitive) Child In Sports

Well just to answer a few questions that were brought up: 1) As many of you know, a lot of times you don't necessarily WANT to coach but you're forced into it because nobody else would do it :) This was my son's first year playing organized sports so I didn't realize how it all works. I went from be...
by davebo
Sun Jun 08, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

How To Encourage A Young (Sensitive) Child In Sports

My oldest son is almost 6 and has tried a couple different sports. He's run a couple local races (1 milers) wit his mom, he's played soccer, and he just finished up t-ball. The first 1/2 of the soccer season, he was really good/engaged. He wanted to be out there all the time, he would go after the b...
by davebo
Sat Jun 07, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5467

Re: Pull-ups and Push-ups

I've never been particularly strong. I really didn't lift weights until I got to college and I was never really able to lift my bodyweight on bench/squat. However, I was able to do a large amount of pushups in my early 20's: probably 100-150 without stopping. Since then, I pretty much was in a slow ...
by davebo
Wed Jun 04, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39681

Re: 529 Plans For 3 Kids

I say max out tax-deferred options and perhaps only enough in the 529 plan to get an state income tax breaks. I'd check on the state income tax break because what you wrote sounds like too much of a break. (OK, I checked, the tax break is a mere $600 annually for a $20K annual contribution spli...
by davebo
Tue Jun 03, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 Plans For 3 Kids
Replies: 3
Views: 610

529 Plans For 3 Kids

I have 3 kids (5 yrs old and twin 3 year olds) and reside in IL. I started an IL 529 plan in 08 when my oldest was born and contributed pretty aggressively during 08-11'. I took a break when we took a loss on our home and purchased a new one and then took time to replenish my savings. Currently, thi...
by davebo
Mon Jun 02, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Plans For 3 Kids
Replies: 3
Views: 610

Re: Hiring someone versus painting yourself

I'm not opposed to doing the work myself, but I find myself hiring more and more things out these days. This is mostly because I have 3 small kids and painting the house while tending to them would take me a REALLY long time. I could always have my wife take them away, but time with the kids is not ...
by davebo
Wed May 28, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Hiring someone versus painting yourself
Replies: 51
Views: 4230

Re: How many of you negotiated benefits with a new job?

Every other job I've taken has been, more or less, me wanting to get out of my current job pretty badly. I was happy (or content) with my last job when I had this opportunity for the job I'm at now, so I took the opportunity to negotiate more than I had in the past. Everything about my new job was m...
by davebo
Tue May 27, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: How many of you negotiated benefits with a new job?
Replies: 25
Views: 2459

Cleaning Divided Light Windows

My parents have always paid a company to come out and wash their windows a couple times a year. I got a quote from these guys and it was very pricey because of the number of windows I have AND because the windows are divided light, so they have the grid in place where they can't just do a whole wind...
by davebo
Fri May 23, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Divided Light Windows
Replies: 4
Views: 297

Re: Experiences with stamps.com?

I used them a LONG time ago and found the whole cancellation process a real pain. For my business, we use Endincia for USPS shipping. It plugs into the shipping software use and allows us to compare rates between carriers (UPS, Fedex, USPS) and ship with the one that is cheapest. USPS doesn't really...
by davebo
Mon May 19, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Experiences with stamps.com?
Replies: 7
Views: 594

Re: what had biggest impact on your financial success?

My dad was a boglehead so I knew what to do and, for the most part, did those things.

But when I was 27, I started an e-commerce company and it just grew from there. It was a lot easier when I started making a bunch of extra income.
by davebo
Wed May 14, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: what had biggest impact on your financial success?
Replies: 57
Views: 4142

Re: Generally, do you trust service providers?

In my case, I trust my doctor, my dentist, my mechanic, the attorney I use (no financial advisor). But in general, I think Mechanics & Financial Advisors would probably be the worst out of the list. After that, I'd think that an attorney and dentist would be the next most likely to rip you off.
by davebo
Tue May 13, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: Generally, do you trust service providers?
Replies: 18
Views: 1493

Re: Unethical Dentist? Advice please!

Although not as nice as the dentists $3k unit it allows you to look at your teeth in horrifying detail. I'm sorry, but that is the last thing I'd want my dentist using. My dentist uses the headband+light+magnifying glass and, if he can't see it with that, he doesn't bother to fill the cavity. But w...
by davebo
Fri May 09, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2662

Re: Unethical Dentist? Advice please!

A modern dentist should be able to show you many problems with a small video camera prior to treatment. After being wowed by my dentist's camera I bought this ... http://www.amazon.com/Waterproof-Endoscope-Borescope-Inspection-Camera/dp/B007UZ6RVO/ref=sr_1_1?s=hi&ie=UTF8&qid=1399652292&...
by davebo
Fri May 09, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2662

Re: Are Tornado Shelters Worth the Cost?

Yeah, I would definitely get one if I lived in OK. Kind of a big expense, but that just seems like one of those expenses that is worth paying for.
by davebo
Fri May 09, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Are Tornado Shelters Worth the Cost?
Replies: 52
Views: 3691

Re: Unethical Dentist? Advice please!

I had my wisdom teeth pulled when I was 18 so it's been awhile, but I went to a different dentist to get the procedure which makes me think that a normal dentist doesn't normally do wisdom teeth. Is that the case or no? I guess my point is,why would he care that much if he wasn't going to financial...
by davebo
Fri May 09, 2014 11:13 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2662

Re: Unethical Dentist? Advice please!

I had my wisdom teeth pulled when I was 18 so it's been awhile, but I went to a different dentist to get the procedure which makes me think that a normal dentist doesn't normally do wisdom teeth. Is that the case or no? I guess my point is,why would he care that much if he wasn't going to financial...
by davebo
Fri May 09, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2662

Re: Pay a higher mortgage to get house you want?

I guess it depends on if your "original" number that you had in your head was ever right in the first place. We moved into the town that my wife grew up in; older, upper middle class, and great schools. We had it in our heads that we'd probably spend no more than $400K based on the houses ...
by davebo
Fri May 09, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Pay a higher mortgage to get house you want?
Replies: 13
Views: 1993

Re: Unethical Dentist? Advice please!

I had my wisdom teeth pulled when I was 18 so it's been awhile, but I went to a different dentist to get the procedure which makes me think that a normal dentist doesn't normally do wisdom teeth. Is that the case or no? I guess my point is,why would he care that much if he wasn't going to financiall...
by davebo
Fri May 09, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Unethical Dentist? Advice please!
Replies: 42
Views: 2662

Re: Whole House Air Cleaner vs. Room Air Cleaner

imgritz wrote:My daughter has allergies. I got an air cleaner that attached to the furnace and it cleans the air for the entire house. It helps ... until the kid goes to school, friend's house, etc.


Do you think they are worth it? Your daughter is more comfortable in the house?
by davebo
Thu May 08, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Whole House Air Cleaner vs. Room Air Cleaner
Replies: 5
Views: 370

Whole House Air Cleaner vs. Room Air Cleaner

My son has allergies and recently had his first asthsma type symptoms. I've been considering doing a whole house air cleaner and the one I'm looking at is the Aprilaire 5000. Anyone have any thoughts on the effectiveness of these? Are these much more effective than room units?
by davebo
Thu May 08, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Whole House Air Cleaner vs. Room Air Cleaner
Replies: 5
Views: 370

Re: Put down that smart phone; Log off!!

davebo wrote: And for the record, when my mom took me to the park or the local swimming pool, I remember her (and many other adults) reading books and magazines. Burying her head in a book the entire time we were playing or swimming. So what's the difference? I totally agree that kids don't need co...
by davebo
Thu May 08, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Put down that smart phone; Log off!!
Replies: 25
Views: 4165

Re: Put down that smart phone; Log off!!

So, interacting by phone is different than in person. Saved everyone 5 minutes. The problem seems to be deeper than that. I recently went to a playground and it is mind blowing how all parents and nanny's are just watching their cellphones and no adult is talking to each other. In the meantime some...
by davebo
Wed May 07, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Put down that smart phone; Log off!!
Replies: 25
Views: 4165

Re: Bathroom exhaust fan use strategy

When you get a chance, just vent it to the outside. Until then I wouldn't really worry about it.
by davebo
Wed Feb 26, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Bathroom exhaust fan use strategy
Replies: 11
Views: 1716

Re: Home Builder Experience

Thank you for the reply's so far. I have eliminated Ryan Homes from my list based upon the HORRIBLE reviews I see during a simple google search. Am I correct in assuming that you can opt in for upgraded insulation, windows, plumbing, electric etc? I understand that there will be issues with any hou...
by davebo
Fri Jan 10, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Home Builder Experience
Replies: 36
Views: 2472

Re: Home Builder Experience

I had my home built by “Ryland Homes” in the Midwest. They are a mid-range tract home builder and the prices in my subdivision were in the $220-$350K range. One of the things that people really like about these neighborhoods is that they are filled with young families. This has some upside and some ...
by davebo
Fri Jan 10, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Home Builder Experience
Replies: 36
Views: 2472

Re: 401k.fidelity.com sucks

I log into 401k.com and never got that message or had any issues with ads. It's probably your browser.
by davebo
Thu Jan 09, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: 401k.fidelity.com sucks
Replies: 13
Views: 1271

Re: Cold Floor By Baseboards

Is there an opening in the floor? I thought he meant it's coming from behind/underneath the baseboards. You might try spraying foam insulation or gap filler (Great Stuff is one brand) under there, behind the shoe molding. He happened to be putting the shoe molding in on the coldest day in the last ...
by davebo
Wed Jan 08, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Cold Floor By Baseboards
Replies: 4
Views: 437

Cold Floor By Baseboards

I just had my carpet ripped up and floors refinished recently and the contractor mentioned that a couple spots in the bedrooms had some cold air blowing in from under the baseboards that was keeping the floor from drying as quickly. He said that putting the shoe molding stopped the air from rushing ...
by davebo
Wed Jan 08, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Cold Floor By Baseboards
Replies: 4
Views: 437

Re: What did you do with unwanted baby gear?

We have 3 kids and are not planning on having more and are in the same situation (for the most part). I tried giving away a lot of stuff, but found that most people do not want used things. I'd hold onto some stuff even if they have outgrown it, since it's helpful to have (for example) a high chair ...
by davebo
Mon Jan 06, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1276

Re: Do Whole House Humidifiers Work?

After reading this whole thread, here is something for readers to comment about. I have often been told by HVAC people that the ideal winter humidity level in a home in winter is between 35 and 45%. Higher than can lead to condensation on the inside of windows during winter. Yes, I think that's rig...
by davebo
Mon Dec 30, 2013 11:33 am
 
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 42
Views: 11415

Re: What you wish you had known entering your late 20's

A lot of people will say things like "I wished I would've started to save earlier" or whatever, but I knew that I should be saving early...it's just a lot harder when you don't have as much money! I have learned this lesson now, but when I get an impulse to purchase something, I should wai...
by davebo
Thu Dec 26, 2013 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 100
Views: 9701

Re: Do Whole House Humidifiers Work?

After reading this whole thread, here is something for readers to comment about. I have often been told by HVAC people that the ideal winter humidity level in a home in winter is between 35 and 45%. Higher than can lead to condensation on the inside of windows during winter. Yes, I think that's rig...
by davebo
Thu Dec 26, 2013 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 42
Views: 11415

Re: Do Whole House Humidifiers Work?

One thing to note with humidifiers: its treating the symptom, rather than the root cause of the problem. In all but the most extreme climates, indoor humidity should generally not get anywhere near that low in the winter unless your house is very poorly sealed. Many people install a humidifier when...
by davebo
Thu Dec 26, 2013 12:12 am
 
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 42
Views: 11415

Re: How long do you keep your cars? Why do you replace it?

I had a 2000 Ford Focus and by 100K miles, I had so many problems that I was just waiting for that big repair so I could have an excuse to get rid of it. Around 107K miles i had a mid-ranged repair and the big one came at 110K. At that point, I owned the car for 7 years and got rid of it. My 2nd car...
by davebo
Thu Dec 12, 2013 11:17 am
 
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 5097

Re: Do Whole House Humidifiers Work?

I use the cheap vicks warm air mist humidifiers for 16 each at wal mart. With a 1100 sq ft house, two of them will bring the humidity up to about 52%, compared to about 30% without. tim I like the warm mist type too. I use a pricier one, with a humidistat, $40 and it takes only 1 to humidify our 19...
by davebo
Wed Dec 11, 2013 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Do Whole House Humidifiers Work?
Replies: 42
Views: 11415

Family Business—What’s Fair?

I started an e-commerce company in 2005 on my own. Initially, I was just stocking stuff in my house and bringing stuff to the post office to ship out, which was a big hassle. After around 6 months, I told my dad about my dilemma and he said he could start shipping stuff out of his business since he ...
by davebo
Wed Dec 11, 2013 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Business—What’s Fair?
Replies: 6
Views: 1086

Re: New email service provider needed

Go with Gmail, no question about it. I've got over 100,000 emails saved there and it's got the best search function out of any email services.
by davebo
Wed Dec 11, 2013 11:28 am
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4238

Re: Trampolines and HO Insurance

Personally, I'd resist the urge to get a trampoline. My brother actually broke his neck horsing around on a trampoline with his friends (wore just the Halo, not paralyzed) and my wife broke her leg. My sister-in-law works in the ER and says that accidents are commonplace in the summer. Despite all t...
by davebo
Thu Dec 05, 2013 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Trampolines and HO Insurance
Replies: 30
Views: 1947

Re: Average cost to refinish hardwood floors?

We got a little lower price by ripping up the carpet and cleaning up, and by replacing the baseboards ourselves. We used nailsets to avoid dimpling the baseboards, now I use my pneumatic brad nailer when I install trim, it gives a much better look. Everyone tells me I should rip up the carpet mysel...
by davebo
Thu Dec 05, 2013 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Average cost to refinish hardwood floors?
Replies: 16
Views: 1549

Re: Average cost to refinish hardwood floors?

So just to round out the thread. I did end up getting 3 quotes and decided on someone. The first 2 guys came in around where the 3rd guy did, but they didn't offer up a ton of details. In my area, polish guys seem to own these companies and they are short with words (and written quotes). The third g...
by davebo
Wed Dec 04, 2013 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Average cost to refinish hardwood floors?
Replies: 16
Views: 1549

Re: Thoughts on having kids?

Kids are MOST DEFINITELY expensive; I don't know how someone can say that they are not. But most people probably don't think they are too expensive because: 1) Most people I know have kids in their 30's and that's when they started to earn more. 2) There are some sacrifices in general that are made ...
by davebo
Wed Dec 04, 2013 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Thoughts on having kids?
Replies: 101
Views: 3335

Re: Google Chromecast

I have had one for a few months and it works well for netflix. I kinda wished that it would be possible to stream regular videos from your computer on your TV. I have all these home videos that I'd love to be able to broadcast via Chromecast, but cant figure out how.
by davebo
Wed Dec 04, 2013 12:06 am
 
Forum: Personal Consumer Issues
Topic: Google Chromecast
Replies: 19
Views: 1999
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