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Re: Keurig-cup coffee makers - why?

Well, if you want convenient I'd recommend a fully automatic espresso maker. We have a Capresso F9 and, per the counter, have made more than 10,000 shots of espresso in the years we've owned it. There's a place for putting in whole beans and a water reservoir. Turn it on, let it heat (takes about 30...
by investingdad
Fri Jan 23, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 67
Views: 4723

Re: Thinking about selling my house...

You probably want a hybrid built home...not custom, but not completely pre-designed. There are many builders out there that will do this, obviously some better than others with a high degree of variability between them. Your best best is to find a reputable, local builder that builds both: - many ho...
by investingdad
Thu Jan 22, 2015 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking about selling my house...
Replies: 11
Views: 1006

Re: Boglehead Beer

This is the post to end this thread: =======================================================================================================> That IS the Boglehead beer, period. Consumer Reports even proved it one year. However, I grew up on it and have not purchased it since college. I don't do Bo...
by investingdad
Thu Jan 22, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 475
Views: 67188

Re: Establishing Priorities - Work vs Life Balance

Am 65 and retired. Balance has always been a huge goal for me. I'm happy with the way things are going. I have a good amount of time with family, had good jobs and have enjoyed life. I was never super motivated to rise the corporate ladder, it was more important to go to my daughters soccer game. I...
by investingdad
Thu Jan 22, 2015 8:03 am
 
Forum: Personal Consumer Issues
Topic: Establishing Priorities - Work vs Life Balance
Replies: 20
Views: 1828

Re: What age did you hit $100,000?

To piggy back on this a little, do people feel the first $100,000 seemed to take long time to reach and or feel like one of the tougher numbers to reach? I know it was for myself. Yes, it took awhile given that we started at zero. For me, the bigger milestone was 250K in investable assets...because...
by investingdad
Wed Jan 21, 2015 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 5787

Re: The "Less Than" a Million $ Club

Is it odd that I don't have a number? I'm just saving as much as possible and spending only what I need. I've never sat down and figured out a number. At some point, you should determine a "number" or you may end up working years longer than you have to, or forgoing pleasures that you cou...
by investingdad
Wed Jan 21, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 71
Views: 10190

Re: Account disclosure requirements for refinance

In another thread I mentioned I'm helping some folks figure out refinance options. Thanks to suggestions from various people on the forum, I've convinced them to go outside their comfort zone and give some local credit unions with attractive rates a shot. They looked online at the account disclosur...
by investingdad
Mon Jan 19, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Account disclosure requirements for refinance
Replies: 20
Views: 903

Re: Florida in the summer

snowbirding exists for a reason. either live north and go to floridafor the winter or live in florida and go north for the summer. I was going to suggest this as well. My inlaws head down that way early in the new year and come back in March. They spread their time between timeshares they own, crui...
by investingdad
Mon Jan 19, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5469

Re: Birthday gift ideas for a 7 year old chess player

I started playing chess when I was around 11 years old and began reading chess strategy books when I was 12 or 13. Game software is great and all that, but my favorite computer chess game was an actual chessboard with integrated chess computer that used grid lights to indicate which piece the comput...
by investingdad
Mon Jan 19, 2015 8:22 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 1488

Re: Is this an unreasonable quote for interior home painting

We had two painters spend three hours painting our living room, entryway, and two hallways --- about 800 sq ft and 14ft ceilings. They initially quoted $425, I talked them down to $350. They tried to only apply a single coat and say that was good. It wasn't. They applied the second coat after I tol...
by investingdad
Thu Jan 15, 2015 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4330

Re: Is this an unreasonable quote for interior home painting

We have a 2600 square foot house, filled with furniture, everything needs to be covered, etc. Stated another way, a heck of a lot more complicated. We're having our entire interior repainted starting next Monday for $8000. The painter is figuring it's a five-day job with a crew of three. This is a ...
by investingdad
Wed Jan 14, 2015 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4330

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

Let's just look at the facts as the OP has presented them to us: - OP makes offer contingent upon home inspection - home inspection finds potential roof problem - roofer provides estimate to fix, $15000 - OP asks Seller to fix the roof - Seller refuses but offers "a few thousand dollars" a...
by investingdad
Wed Jan 14, 2015 10:44 am
 
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 48
Views: 4022

Re: Is this an unreasonable quote for interior home painting

Equipment needed: Painters tape An edger - to seamlessly paint the edges where the wall meets the ceiling without creating drip marks and leaving the wrong colors on other parts of the walls. Rollers with extension bar - as other poster alluded, your arms, hands, back and neck will thank you for it...
by investingdad
Wed Jan 14, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4330

Re: Is this an unreasonable quote for interior home painting

These quotes seem very high. Painting that size condo is a good DIY project, especially considering that it is empty which makes it that much easier. If you can take the time, you could save yourself $4,000 (minus paint & supplies) by doing it yourself. You should be able to do the walls and ce...
by investingdad
Wed Jan 14, 2015 9:19 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4330

Re: Is this an unreasonable quote for interior home painting

We finished a portion of our basement last year and it was about 700 ft2. We hired the original builder of our home as the general contractor for the project based on quality of work. I decided to do the painting myself, here's a listing of scope that I had to take care of: - horsehair brush the wal...
by investingdad
Wed Jan 14, 2015 8:10 am
 
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 55
Views: 4330

Re: Net Worth Survey, 2015 Edition

The curve has been bent. I found the options for the trendline settings and have selected the polynomial, second order, as recommended and here is an updated chart with all entries (some at the upper and lower maximums). http://i164.photobucket.com/albums/u7/Bigfoot48/Bogleheads/NetWorthSurvey20156...
by investingdad
Tue Jan 13, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21850

Re: How to handle defaulted debts and current student loans?

The smaller bills were mostly from when we lived in Oklahoma. Our wages then were barely enough to cover very basic living expenses. We made mistakes and ordered services that we couldn't afford. So we procrastinated them and this is the result. That answer is fair enough. Have you compiled a FULL ...
by investingdad
Tue Jan 13, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2679

Re: How to handle defaulted debts and current student loans?

You have (fairly large) unpaid bills on Cellphone service and Satellite TV. I strongly suggest you look at cutting these expenses if you have not done so already. Until you get out of debt, you need to keep an eye on unneeded expenses. Sat TV falls into this bucket. I'd also suggest finding a low co...
by investingdad
Tue Jan 13, 2015 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2679

Re: How to handle defaulted debts and current student loans?

I think you will find much better replies now that you are asking for help addressing your primary problem, debt, and not convoluted means of risky wealth building that is inappropriate for somebody in your situation. Frankly, I'd forget Kiyosaki and read Ramsey instead. His investing ideas are off ...
by investingdad
Mon Jan 12, 2015 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2679

Re: How to handle defaulted debts and current student loans?

Again, if you want detailed answers you need to provide detailed information: - how much is the defaulted debt? - how long in default? - what is the interest rate? - how much are the student loans? - what are terms and interest rates? - how much cash do you have on hand? - what is your income? Spous...
by investingdad
Mon Jan 12, 2015 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2679

Re: Young couple looking for a mentor.

Assuming none of the above come to fruition and prepayment works out for you, have you done a cost analysis of the $23 dollars you are saving per week and determined if the interest charges you would pay on your debt exceed that savings? I do not know how to do this. Could you explain? If it helps,...
by investingdad
Mon Jan 12, 2015 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4427

Re: Young couple looking for a mentor.

This frees up ($6000-$4000)/12=$166 a month, not $600. Still not a bad idea. Putting the $4,000 immediately towards your CC debt would get you $70 a month and help you immediately start rebuilding your credit. I could go either way on this. No, our childcare expense currently is $150/week or $600/m...
by investingdad
Mon Jan 12, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4427

Re: Young couple looking for a mentor.

This frees up ($6000-$4000)/12=$166 a month, not $600. Still not a bad idea. Putting the $4,000 immediately towards your CC debt would get you $70 a month and help you immediately start rebuilding your credit. I could go either way on this. No, our childcare expense currently is $150/week or $600/m...
by investingdad
Mon Jan 12, 2015 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Young couple looking for a mentor.
Replies: 45
Views: 4427

Re: Help me to understand time shares

We've stayed at a timeshare resort that we really like in Florida a couple of times, and look forward to going back. It's fantastic there. We get the standard pitch when we're checking in since we're "guests of owners". I always reply, why buy when I can just rent points from somebody? Giv...
by investingdad
Fri Jan 09, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5379

Re: Help me to understand time shares

classic timeshares are a loser. I however own Disney Vacation Club(dvc) for over 20 years and it has been a winner for us. I would recommend it only if you like going to disney parks(wdw) although you can also use it with other time sharing options companies. you buy 'points' not weeks and they can...
by investingdad
Fri Jan 09, 2015 10:06 am
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5379

Re: Accepting counter-offer to stay at job

Here's a thought, why not ask your manager what "shower you with money" really means? "Good morning, Bob. I wanted to get back to you on our conversation we had yesterday (or last week) about my decision to leave. I know you'd like me to stay and even said, "shower me with money&...
by investingdad
Tue Jan 06, 2015 8:54 am
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6625

Re: Accepting counter-offer to stay at job

I have never sought, nor accepted a counter offer. A couple of them were quite substantial. I think when you have mentally decided to leave you should follow through. Now, I realize this is at best purely anecdotal information. I have seen counter offers accepted, but never seen one end well. They ...
by investingdad
Mon Jan 05, 2015 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6625

Re: Misunderstanding around dimensions

At the end of the day, we'll know soon enough when they see the first set of proposed layout work and somebody puts two and two together and realizes there isn't enough space. Or, it will turn out everyone knew all along and only I was confused by this ambiguity.
by investingdad
Mon Jan 05, 2015 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2024

Re: Misunderstanding around dimensions

Here's what you'd think is a straightfoward question. Let's say you're trying to size something to fit on your property before commiting to buy it. When asked for the dimensions of the footprint to figure out how much space you need, you're told by the place you're buying from: "It's a hundred...
by investingdad
Mon Jan 05, 2015 2:22 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2024

Re: Misunderstanding around dimensions

I don't want to detail too much because of the nature of the topic. But let me clarify. When we started working on this, we incorrectly assumed we were talking about a smaller size. Because none of us really knew what the end product was going to look like. As work progressed, it was clear we grossl...
by investingdad
Mon Jan 05, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2024

Re: Misunderstanding around dimensions

In this case we're talking about a dimension that is, in fact, square shape. So, if it's 100 feet square (those exact words), what's my total area? The reason that this is ambiguous is that phrase has inconsistent units. 100 feet is a linear dimension. 100 square feet is a measurement of area. 100 ...
by investingdad
Mon Jan 05, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2024

Re: Misunderstanding around dimensions

In this case we're talking about a dimension that is, in fact, square shape.

So, if it's 100 feet square (those exact words), what's my total area?
by investingdad
Mon Jan 05, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2024

Misunderstanding around dimensions

Here's what you'd think is a straightfoward question. Let's say you're trying to size something to fit on your property before commiting to buy it. When asked for the dimensions of the footprint to figure out how much space you need, you're told by the place you're buying from: "It's a hundred ...
by investingdad
Mon Jan 05, 2015 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Misunderstanding around dimensions
Replies: 29
Views: 2024

Re: Net Worth Survey, 2015 Edition

I copied the data into Excel to do a little digging, all interesting stuff.

Some trends popped up like...high income, lower net worth...with big mortgage and house value. All relative to the other responders, of course.
by investingdad
Sat Jan 03, 2015 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21850

Re: Net Worth Survey, 2015 Edition

Only comment I have is not to be discouraged by some of the large portfolios and younger ages in the data set. This is not a typical group.
by investingdad
Thu Jan 01, 2015 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 132
Views: 21850

Re: Is this malware?

Browser redirects are often malware.
by investingdad
Wed Dec 31, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Is this malware?
Replies: 11
Views: 1255

Re: How Much Do You Sacrifice?

I used to play a lot of golf when I was single, three times a week. I always walked and played at the last expensive course and used twilight rates. I was still saving 15% of my gross at the time by cutting costs elsewhere, so I had balance. I don't play as much now that I'm married and have kids. I...
by investingdad
Wed Dec 31, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: How Much Do You Sacrifice?
Replies: 82
Views: 6590

Re: What did you enjoy spending money on this year?

For me, it was travel. First time that I have gone on four major trips in one year. I don't do - and have never done - work-related travel, so traveling on vacation is big for me, both in terms of expenses and fun. While one of the trips was to visit friends and family, we did go to Niagara Falls, ...
by investingdad
Tue Dec 30, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 5934

Re: Do you usually order beverage at restaurants?

Seltzer water / club soda with lemon and lime wedge. I gave up soda in my mind 20s. Don't miss it. I tried a Coke a year ago and couldn't drink it, too sweet. But seltzer water scratches the carbonation itch. I only order beer if it's something I want to try. Most restaurants have lousy beer selecti...
by investingdad
Sun Dec 28, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7631

Re: Vacuum Food Sealers - Love it or gimmick?

My wife uses it for select food items. My observations are that the device itself can be tempermental when first drawing vacuum on the bag, but that it does seem to preserve well the items she chooses to seal and freeze.
by investingdad
Tue Dec 23, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Vacuum Food Sealers - Love it or gimmick?
Replies: 23
Views: 3080

Re: What % of net worth is your home?

Few ways to look at this. One is to consider what we paid for the house, another is the equity we have in the house, and third is what Zillow says the house is worth. We're currently enjoying a depressed value (like 16% down) over what we paid thanks in part to the cheap (price and quality) builder ...
by investingdad
Tue Dec 23, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10940

Re: Poll: How important is rebalancing?

Right now, at age 41, we're sitting at about 84/16 stock to bond mutual funds. We started the year at 86/14. And last year I decided I wanted to start moving to 75/25. Rather than make any large moves, I'm redirecting new investments (401K mostly) into bond funds. If by age 45 things are still far f...
by investingdad
Mon Dec 22, 2014 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 5631

Re: Having my year end review with my manager, what to expec

Performance reviews are a crock. Just engage, smile and play along. I wish management would concentrate on the top 10% “shooting stars” and the bottom 10% “one foot out the door”. For the 80% in the middle, it doesn’t make any difference how you perform. In fact for the 80% in the middle, chances a...
by investingdad
Fri Dec 19, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 30
Views: 2887

Re: Having my year end review with my manager, what to expec

I'm in engineering and mid-career. Our company is undergoing re-structuring and I fully expect to be let go next month. My raise this year was 2% and my bonus was 2%. My end of year review was generally positive but I'm not stupid and can read between the lines on the bonus details. I can tell you, ...
by investingdad
Fri Dec 19, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 30
Views: 2887

Re: What's your withdrawal rate for 2014?

As a 41 year old BH who is planning for an early retirement, this thread and the responses from those that are older and have retired is VERY good information for me to have. It's outstanding to see real world withdrawal rates from like minded individuals. Thanks.
by investingdad
Thu Dec 18, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your withdrawal rate for 2014?
Replies: 26
Views: 2711

Growing Strength of Our Investment Income

So not all of the year end payouts have hit the books on our various mutual funds yet, but enough have (coupled with my forecast based on payout projections from Vanguard) that I've been able to get a pretty good handle on the total FY14 payout. I started tracking payouts in 2012 since it was the fi...
by investingdad
Thu Dec 18, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Growing Strength of Our Investment Income
Replies: 2
Views: 697

Re: WHY is retirement enjoyable / something to look forward

It's a complex question with many, complex answers. I'm only 41 and I do hope to retire in my early 50s. Or more to the point, I hope to have the ABILITY to retire in my early 50s. I'm an engineer and for whatever reason, my career from the very start has been with employer after employer that has d...
by investingdad
Tue Dec 16, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20034

Re: Volvo vs. Mercedes

I had a week of seat time in a CL250 4Matic when my car was getting some insurance work done. Here are some observations: - interior felt cold and a bit sterile - dash and controls were very busy and felt cluttered - 7 speed automatic wasn't the best execution of an automatic, car often felt winded ...
by investingdad
Tue Dec 16, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Volvo vs. Mercedes
Replies: 52
Views: 5252

Re: Any pilots here?

I had planned to enter the Air Force upon high school graduation and had access to discounted flight lessons when I was 16 and started taking them then. I solo'd when I was 16 and started studying for IFR (instrument flight). That's where my interest dropped off dramatically. Couple that with the re...
by investingdad
Tue Dec 16, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 5906

Re: WiFi, brick walls, metal

Yes on the fridge. If I'm using my phone and the fridge is between me and where we have the router, the signal strength drops off.
by investingdad
Thu Dec 11, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: WiFi, brick walls, metal
Replies: 12
Views: 1090
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