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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: 95
Views: 5855

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: 1011

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: 1011

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: 10909

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: 280

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: 1700

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: 2648

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: 692

Re: Window Blinds

I like the honeycomb blinds as well, I think we have levolor blinds in all the bedrooms and the addition we built. They are easy to operate (just move up/down with your hands) and do a nice job.
by davebo
Tue Aug 12, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Window Blinds
Replies: 15
Views: 1214

Re: Where do you buy clothes?

I am pretty much like 90% Kohls these days. I get the whole "purchase quality" argument and would agree that Nordstroms stuff is nicer than Kohls. But I don't need a dress shirt to really last 5-7 years or whatever. And I'm most likely not going to have a problem with a rip or tear in a sh...
by davebo
Tue Aug 12, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9235

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

Rubber mulch is just an awful concept, in my opinion. It would bother me to have something so obviously man-made and unnatural around my house. I probably pay about $250 per year for real mulch (60 bags at Home Depot), and the cost doesn't bother me. Seems pretty trivial. Edit: I see the reference ...
by davebo
Mon Aug 11, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1687

Re: Mulch, Rubber Mulch, or Rocks in Landscaping?

The problem with rocks or any inorganic material, even with landscape fabric underneath, is that soil gets blown or washed in and weeds take root there. Either you've got to pull the weeds constantly or spray the whole area with weed killer regularly. Look in your buddy's neighborhood in a year or ...
by davebo
Fri Aug 08, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1687

Mulch, Rubber Mulch, or Rocks in Landscaping?

I've always done mulch in my landscaping and, for the first several weeks, I think it looks terrific. But it is expensive to keep putting it in every year or two and it’s also a huge hassle. I hadn't thought of doing Stone until I saw my buddies house and it looked nice, but he’s in a new constructi...
by davebo
Fri Aug 08, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Mulch, Rubber Mulch, or Rocks in Landscaping?
Replies: 36
Views: 1687

Re: Cloud Base Password Manager

Get Lastpass and enable 2-factor authentication. Then do this if you really want to play it safe:

http://lifehacker.com/5879117/how-to-bu ... -drive/all
by davebo
Thu Aug 07, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Cloud Base Password Manager
Replies: 14
Views: 1007

Re: Can we afford a home (little more than $500K)

I was in your situation a few years back. My income was right around your level and we were moving for the same reasons (proximity to work and schools). In our case, what made it a slightly easier solution is that we were about 20 miles away from our jobs and we both paid tolls on the way to get the...
by davebo
Fri Aug 01, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford a home (little more than $500K)
Replies: 28
Views: 4374

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: 6440

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: 2768

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: 4554

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: 5598

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: 5598

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: 5598

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: 5598

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: 5598

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: 5598

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: 5598

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: 41034

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: 620

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: 620

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: 4313

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: 2500

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: 305

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: 609

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: 4177

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: 1552

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: 2799

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: 2799

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: 3773

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: 2799

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: 2799

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: 2009

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: 2799

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: 376

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: 376

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: 4226

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: 4226

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: 1738

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: 2597

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: 2597

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: 1312

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: 450
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