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Re: Can I afford a $1M house?

I was a little surprised at people saying you could afford it as well. I wouldn't consider purchasing that home based on your salary. Like others have said, while $60K is a lot of money, you're going to have equally big expenses once you move into the house.

How many kids do you have?
by davebo
Fri Mar 27, 2015 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $1M house?
Replies: 64
Views: 5561

Re: Why 529 plan makes any sense??

When I first started putting money into a 529, I was not maxing the 401k but doing the ROTH IRA. Then I changed my tune and started focusing on maxing my 401k. Currently, I’m maxing my 401k and not eligible for the ROTH IRA so I’m back to funding the 529. Since I started in 2008, my balance is about...
by davebo
Wed Mar 25, 2015 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 187
Views: 7949

Re: Children's Swingset

our neighbors have a big swinset and 4 kids. Rarely see them playing with it. Despites DW pleas that we need a play set, we did not get one, rather we go to the "muddy pond" to look for golf balls, go to the nearby school and use the playground there, joined the Childrens' Museum and loca...
by davebo
Fri Mar 20, 2015 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2582

Re: A great shave at a great price

When did everyone get so into shaving? I feel like I hear a lot about dollar shave and using a straight razor and all that.

I just use some generic shaving cream and a gilette sensor that I've had for like 15 years (changing razors of course). Does this not work for everyone?
by davebo
Fri Mar 20, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 49
Views: 5503

Re: Vinyl or wood fence

I don't really like the look of vinyl, but it's hard to argue with the longevity.

Another option I would look at, though, is wood fence with the steel post center.
by davebo
Thu Mar 19, 2015 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Vinyl or wood fence
Replies: 36
Views: 1978

Re: Children's Swingset

I've looked into the Cosco and BJ'S swingsets and some people have commented about a lack of quality. My major concern however is the fact that I would have to do the installation. I'm pretty useless when it comes to this type of stuff and would rather a "professional" do the installation...
by davebo
Thu Mar 19, 2015 10:05 am
 
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 2582

Re: Is a larger home downpayment worth it?

I also don't understand why the rates would be better for 30% vs. 20%. Once you clear 20%, I have always seen the rates stay the same.

Either way though, I'd keep some money in your control and only do the 20%.
by davebo
Tue Mar 17, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Is a larger home downpayment worth it?
Replies: 18
Views: 2354

Re: Laptop: Windows based vs. Apple

There are already many discussions on this topic. It generally degenerates into arguments which convinces no one. Just do what you want to do. The thing that throws me a little bit is how little storage you get with an Apple vs. windows based desktop. The answer you hear is "Well, you should s...
by davebo
Mon Mar 16, 2015 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5691

Laptop: Windows based vs. Apple

I've been on the fence with purchasing an Apple laptop for a few years now and am at the point where I'll either purchase another windows-based laptop or make the leap. The last laptop I had was a Dell and it was purchased for like $700 and has lasted almost 5 years at this point. I am already deep ...
by davebo
Mon Mar 16, 2015 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5691

Re: Gaming amazon product reviews

I sell my own products that I manufacture on Amazon so there could be a few different things at play here: If the guy was the manufacturer of the product (I use that term loosely) then he could've sent you a link for both a product review and seller rating. You submitted a seller rating (that was re...
by davebo
Sun Mar 15, 2015 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Gaming amazon product reviews
Replies: 16
Views: 2166

Re: What Movie Have You Recently Watched?

I just saw the movie "August Rush" and loved it....I think it's from 2006-ish.

Good movies are hard to come by though....I'm not as easily impressed as I was even 10 years ago. Plus, I think TV shows have just gotten way better.
by davebo
Thu Mar 12, 2015 10:24 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 655
Views: 86334

Re: How does one increase their typing speed and accuracy?

I used Mavis Beacon's program back in the 80's I think...maybe early 90's? She's the typing guru!
by davebo
Thu Mar 12, 2015 10:21 pm
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4010

Re: Anyone ever use a closet design company?

Thanks for the recommendation for easycloset. I think that seems I could get everything for under $300 (plus shipping), which is pretty good. I might go the route of buying it and then having somebody set it up for me.
by davebo
Thu Mar 12, 2015 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1499

Re: What internet speed is fast enough?

I have comcast (chicago) and I feel like my speed is a little weak, although I can watch netflix/stream apple TV with no issues. I did a speed test on my phone for WIFI and my parents house had a download speed of 62.40 mbps and upload of 11.76 mbps. My house was only at 30.98 mbps and 6.06 mbps. Th...
by davebo
Thu Mar 12, 2015 2:29 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4413

Re: Anyone ever use a closet design company?

dixdak wrote:No but I have heard mixed reports about Closets, Closets, Closets, Closets!!


We don't just closet, we love it.
by davebo
Wed Mar 11, 2015 10:20 am
 
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1499

Anyone ever use a closet design company?

One of the issues we’re trying to address in our current house while working within the same floor plan (avoiding an addition if possible). If we’re going to squeeze in one of our wishes (larger master bath), then it means there probably won’t be room for a larger closet. The closet is an average si...
by davebo
Wed Mar 11, 2015 10:00 am
 
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1499

Re: Who's going to Disney this summer?

Hate to be the bearer of bad news, but Pirates of the Caribbean will be closed at WDW from May 11 to Sept. 25. Staycation with the kids, and watch Johnny Depp in Edward Scissorhands or Keith Richards in Gimme Shelter . http://www.orlandosentinel.com/travel/attractions/the-daily-disney/os-disney-to-...
by davebo
Tue Mar 10, 2015 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5096

Re: High Cost of Fruits and Vegetables

I buy the frozen strawberries and mixed berries from Costco and make a smoothie every morning. I figure that is good for at least 2-3 servings of fruits. I also do 2 big bags of baby carrots (costco, huge bag) and cucumbers and red/orange/yellow peppers when I'm at home. Only non-frozen fruits we us...
by davebo
Tue Mar 10, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: High Cost of Fruits and Vegetables
Replies: 126
Views: 6998

Re: Fly or drive?

Personally I wouldn't drive anything over 10-12 hours. I remembered driving to FL as a kid (From IL) and (outside of the first 30 minutes and the last 30 minutes), it was brutal. A drive like that is one that sounds like a good idea during planning, but you quickly realize how bad it will be once yo...
by davebo
Mon Mar 09, 2015 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4579

Re: Any ever do a small addition on their house?

I have a ranch home with 3 small bedrooms. Overall, we love the house and the area, but the problem with the house is the lack of bedroom space compared to the overall SF of the house. In some ways, it's great having livable SF, but in our case it's probably overkill. We have 2300 SF upstairs, of w...
by davebo
Mon Mar 09, 2015 11:49 am
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 1896

Re: LED Flood Light Question (CREE/FEIT/Etc)

I tried the CREE and thought it was too grocery store-ish. The BR30 FEIT at Costco were, by far and away, the best looking and the best price. They were $11.99 for 2 bulbs. I got really excited after I saw my electric bill this past month since it showed usage was down 30% from the same time last ye...
by davebo
Mon Mar 09, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 28
Views: 3968

Re: Buy home in area with only good PK-8 public schools?

I live in downtown Chicago, just moved to Oak Park. Good schools are overcrowded. My daughter's K class has 39 kids to one teacher. I had to keep protesting that they get an aide ASAP. They did by the end of the September. They said they want to wait for CPS to give them money. But all the budgets ...
by davebo
Fri Mar 06, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 2786

Re: Buy home in area with only good PK-8 public schools?

What do you mean low income in single digits? The tribune has a scorecard that shows the % of low income kids feeding into a school. When the % is low, I think you can feel comfortable picking anyplace to live in the town; if it's a higher % then you need to pick your spots. There are some areas th...
by davebo
Fri Mar 06, 2015 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 2786

Re: Who's going to Disney this summer?

I lived in NJ for 5 years before moving to Florida this year. I heard none of these kind of comments in either place. Ages 3 and 0 are terrible ages to go to Disney in my opinion. 6+ for any sort of real enjoyment in my opinion. As for the earlier comment about him insisting about Disney..What is w...
by davebo
Fri Mar 06, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5096

Re: Washing Dress Shirts

I take them to the dry cleaners so I don't have to mess around with ironing them after the fact. I also don't dry clean them after every wear (I don't think you're supposed to admit that out loud)
by davebo
Fri Mar 06, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 2708

Re: Buy home in area with only good PK-8 public schools?

Isn't IL changing their test this year? Test results tend to depend a lot on the test itself. If the EL test is too hard, then students are being tested more on how they come in than how much they've learned. If the HS test is too easy, then a lot of schools score well and the results have less mea...
by davebo
Thu Mar 05, 2015 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 2786

Re: Buy home in area with only good PK-8 public schools?

My wife likes LaGrange etc. I don't mind them but I don't think you can walk to any of the train stations? That would save us from buying a second car. Some suburbs have that option but I bet those would be coveted locations. Yes, Lagrange definitely has very walkable homes around tracks. That's on...
by davebo
Thu Mar 05, 2015 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 2786

Re: Buy home in area with only good PK-8 public schools?

Yes, you have a good point. Ironically, we pay around $18K per year for her daycare. By the time she starts kindergarten, we would have spent $18K a year for 4 years, the same cost as a private school per year. Yeah, I believe it. I have a friend that moved into Hoffman Estates (which happened to f...
by davebo
Thu Mar 05, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 2786

Re: Buy home in area with only good PK-8 public schools?

Personally, I wouldn't like the idea of moving into a house where you think you might need to a) Move before HS b) Send your kids to a private school. Catholic HS, for example, are very expensive and getting pricier. In Chicago, they are are probably around $14K/year to send your kid there..who know...
by davebo
Wed Mar 04, 2015 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 2786

Re: Proactively replace water heater?

According to my home inspector when I moved in, he said my water heater was on its last legs and I should "keep an eye on it". Then I installed a new HVAC system and asked the guy to take a look and he said the same thing. I then had a humidifier installed and the guy said the same thing. ...
by davebo
Wed Mar 04, 2015 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 49
Views: 4467

Re: Wife tired of saving...

Personally, I don’t blame her for wanting to live in a house (as opposed to a townhouse) when you have kids. This is assuming her reasons are “I want our own yard, I want more space, etc”. You’re saying your taxes are $6900 and you worry about them being $15-$20K, but is there nothing with $10-$12K ...
by davebo
Wed Mar 04, 2015 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19214

Re: Rich dad, poor dad

I first read this book maybe in 2000 or so and I assumed the rich dad/poor dad story was just made up (kinda like "The Wealthy Barber"..also popular around that time) as a way to teach the material. Around 2006 I re-read the story after a lot of people started recommending it...I would nev...
by davebo
Wed Mar 04, 2015 10:47 am
 
Forum: Personal Consumer Issues
Topic: Rich dad, poor dad
Replies: 31
Views: 3946

Re: Any ever do a small addition on their house?

Is the basement climate controlled? To be honest I'd set your oldest son up in an informal bedroom downstairs when he turns about 13 (spend a few thousand, don't replace windows or anything major like that). That will give him his own space. A generation of sons who grew up in the 60s and 70s livin...
by davebo
Wed Mar 04, 2015 8:19 am
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 1896

Re: Any ever do a small addition on their house?

You seem to have a surplus of living areas - family room, living room, basement. Some reorganization might avoid the need for any construction. That's what is a little bit of a conundrum with the house; I know we have extra SF but there's no easy place to pull it from. The prior homeowner did the s...
by davebo
Wed Mar 04, 2015 7:57 am
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 1896

Re: Any ever do a small addition on their house?

You seem to have a surplus of living areas - family room, living room, basement. Some reorganization might avoid the need for any construction. That's what is a little bit of a conundrum with the house; I know we have extra SF but there's no easy place to pull it from. The prior homeowner did the s...
by davebo
Wed Mar 04, 2015 12:09 am
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 1896

Re: Any ever do a small addition on their house?

I've thought about it with kids, but this is how I see it. If I did an addition now while my kids are young/unborn, my house will be awesome for 18ish years until they move out. After that, I'm stuck cleaning rooms I never use. Or I can live with the size for 18ish years being kinda tight, then the...
by davebo
Tue Mar 03, 2015 11:40 pm
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 1896

Re: Any ever do a small addition on their house?

Do you actually need 4 bedrooms? How many kids do you have and what are their genders? We have 3 kids....a 6 year old boy and then 4-year old boy/girl twins. The boys share a room (bunk beds) and my daughter has her own room. All the rooms are small so I say we MIGHT need a 4th bedroom because the ...
by davebo
Tue Mar 03, 2015 11:35 pm
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 1896

Re: What are Costco's best deals?

Wow, I am impressed with small households who find they can use the Costco items effectively. The only individually packaged foods I saw there were snack bars and the like (don't eat those) and individually frozen fish filets and similar (which might work if I had the freezer room and didn't care t...
by davebo
Tue Mar 03, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 20003

Any ever do a small addition on their house?

I have a ranch home with 3 small bedrooms. Overall, we love the house and the area, but the problem with the house is the lack of bedroom space compared to the overall SF of the house. In some ways, it's great having livable SF, but in our case it's probably overkill. We have 2300 SF upstairs, of wh...
by davebo
Tue Mar 03, 2015 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Any ever do a small addition on their house?
Replies: 24
Views: 1896

Re: What are Costco's best deals?

Costco's prices on LED lightbulbs are insanely cheap compared to what Hardware stores are selling them for. FEIT light bulbs are probably 3x the price at other places!
by davebo
Tue Mar 03, 2015 5:38 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 20003

Re: Who's going to Disney this summer?

Our kids are too young to go to Disney but we will go soon. My husband insisted that Disney should be part of their memories. I am not looking forward to it. He insisted that it be part of their memories? Why? I'm sure your husband is great guy but I just don't understand the whole "you have t...
by davebo
Tue Mar 03, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5096

Re: What are Costco's best deals?

My go to Costco products are: - Pretzel Bread --My son loves pretzel break, but it's pretty expensive at local stores. Costco charges like $6.00 for about 12-15 buns and they taste great. - LED LIght Bulbs --They are literally 50% of the cost of bulbs you find at the local hardware store. - Frozen F...
by davebo
Wed Feb 25, 2015 10:42 am
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 20003

Re: On line product reviews vs Consumers Reports

As someone who manufacturers products and sells them on Amazon, I would say that product owners can manage reviews on the site pretty easily. I just send out a follow-up email to all buyers 5 days after purchase and ask them to leave a review. If they aren't happy, I tell them to contact me and I'll...
by davebo
Tue Feb 24, 2015 11:09 am
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2722

Re: Who's going to Disney this summer?

I just came back from Disney at the end of Jan/early feb, definitely considered the low season. Disney is now crowded at all times of the year and obscenely crowded around holiday weekends. It used to be that you got Fastpasses for big ticket attractions just rode standby at the others since they we...
by davebo
Tue Feb 24, 2015 11:00 am
 
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 5096

Re: Aprilaire Humidifer - won't get above 22%

Just another bit of feedback, the way it is wired could make the difference. The majority of installations have the humidifier turning on only when the heat is running. Just recently I had mine changed to get a more consistent humidity level. I had the guy wire it so that the humidity control unit ...
by davebo
Mon Feb 23, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 831

Re: Aprilaire Humidifer - won't get above 22%

I hit submit before i was done, but I always get the impression that most people don't really know if the humidifier is really working..they just flip it on. I also get the impression that the installers basically just check to see if water is going through the filter and that's really all they can ...
by davebo
Mon Feb 23, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 831

Re: Aprilaire Humidifer - won't get above 22%

I have an Aprilaire humidifier as well and I wonder about this stuff as well. It's around 3 degrees here right now and my humidity is at 23% or so. I actually just have a little guage upstairs and do not look at the unit itself to tell me the humidity. I guess a few things might be worth checking in...
by davebo
Mon Feb 23, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 831

Re: What is your favorite consumer product?

1) Electric Toothbrush
2) Goldfish Crackers (bought them for the kids, kept buying them for me!)
3) Goldtoe socks
4) Basement Watchdog Water Alarms
5) Merrill Shoes
6) Apple TV
7) Nutrininja Blender
by davebo
Fri Feb 20, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 11254

Re: electric toothbrush

I think I have an Oral B at home. If memory serves me right, I used to have a sonicare at home but I didn't like how the neck of the brush (not sure how else to say it) was much harder than a typical toothbrush so it would clank against my teeth. I think it does help, although hard to say. How can i...
by davebo
Fri Feb 20, 2015 10:40 am
 
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2339

Re: The 8x retirement savings rule

I have to chuckle a little at the posters that think it is so simple to know your expenses and plan for them years in advance. I did not know until a couple of months ago that my health insurance costs would increase by $4,080 this year and that we would lose another $5,000 because we can no longer...
by davebo
Fri Feb 20, 2015 10:28 am
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 8070
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