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Re: Beepi - a new way to buy a used car?

Cursory glance - ooh they want it to look slick. Then, under buying, I can filter by make, color, body style. No model? No engine? No trans? Miles? etc? Is this how millennials shop for a large purchase? :? I am a millennial and didn't like that either. But when I put in my make of choice (not even...
by mojave
Thu Feb 26, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 20
Views: 1374

Re: Beepi - a new way to buy a used car?

I'm happy to see the invasion of the internet threatening industries that make consumers miserable - cabs, buying cars, cable companies. Hope this continues, and hope to see this company grow so there are more choices in a few years :D
by mojave
Thu Feb 26, 2015 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 20
Views: 1374

Re: Beepi - a new way to buy a used car?

Huh. I am very intrigued by this, thanks for sharing. I hope others weigh in - I love the idea of this and will be in the market for another car in a few years. I would love to skip the dealership - when I got my current car, I was a year out of college and the Sales boss was talking to my mom and I...
by mojave
Thu Feb 26, 2015 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 20
Views: 1374

Re: Raise was only 2.44%?

When I first started at my company, annual raises were 6%. This was right when the economy started to go down. Since then it has been anywhere from 0-3%. I recently fought to get a 5% raise, and will be getting the annual on top of that, not sure what that will be but was told around 2-3%. So, you'r...
by mojave
Thu Feb 26, 2015 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 40
Views: 3166

Re: Thoughts on Chase for everyday banking

We switched to Chase from a terrible local bank. Have been happy with them - also used them before I got married/before bad local bank and was happy then too. Savings rate is basically zero, but I prefer to have both checking and savings at the same place so I can easily move money between the two. ...
by mojave
Mon Feb 23, 2015 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 28
Views: 1750

Re: School ratings, differing opinions on potential home loc

If you can afford it, I would suggest going with the better schools. It will make the house easier to sell in the future and many parenting things will be easier as well. There are probably more daycares, more churches, cheaper food stores, more organized child activities (sports, music, drag racin...
by mojave
Sat Feb 21, 2015 7:32 pm
 
Forum: Personal Consumer Issues
Topic: School ratings, differing opinions on potential home local
Replies: 11
Views: 744

School ratings, differing opinions on potential home local

If you're in the Chicago area I would particularly like to hear your input, especially if you are familiar with Lake/McHenry county (will explain further down). We have our first child on the way, due in July. Originally our plan was to build a house in a nice town with good schools (I own land, he...
by mojave
Sat Feb 21, 2015 6:49 pm
 
Forum: Personal Consumer Issues
Topic: School ratings, differing opinions on potential home local
Replies: 11
Views: 744

Re: Pick-Pockets

Twice when I was young (under 8) people tried to pick pocket my mom in Chicago. I think this is why I hate big cities. First time we were walking into one of the museums downtown. One guy pretended his hand got caught in the door handle (impossible, it was just big loop) while the other guy tried to...
by mojave
Fri Feb 20, 2015 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5053

Re: What is your favorite consumer product?

You all are making the pregnant lady hungry.

Bacon.
by mojave
Thu Feb 19, 2015 3:01 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 146
Views: 8215

Re: To all: How have you used your emergency fund?

As far as I can recall we haven't had to use it. I can't remember if we dipped into it or not a few years ago when my husband had meningitis and encephalitis, he didn't work for 3 or 4 weeks and was in the hospital for several days. The guys at work were so good to us, and pooled together $500 to he...
by mojave
Thu Feb 19, 2015 2:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: To all: How have you used your emergency fund?
Replies: 40
Views: 2829

Re: Expecting a big inheritance - Should it change my life?

I have a widowed great-aunt that is childless and probably has a net worth similar to your aunt and is in her late 70s. I don't know why anyone knows this but she is leaving her estate to her nieces and nephews. My dad is one of her nephews. Anyway, my dad is terrible with money and can't wait to ge...
by mojave
Tue Feb 17, 2015 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7840

Re: Your car repair/parts expenses for 2014

I did every maintenance item possible on my 2005 Chevy truck during the period April-June 2014. Total cost was somewhere around 3 grand, I'm not really sure and I don't really care. That's just parts and a few tools - labor is all on me. I won't have another major expense on this truck during the r...
by mojave
Sun Feb 15, 2015 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1736

Re: Your car repair/parts expenses for 2014

I'm trying to figure out if our expenses last year were way out of the norm or not.
by mojave
Sat Feb 14, 2015 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1736

Re: Your car repair/parts expenses for 2014

FWIW I'm including everything in my calculations except oil changes - air filters, batteries (forgot I had to get a new one too, what a year for car expenses), wiper blades, tire rotations - plus the expensive repairs and tires. I'm excluding oil changes because they can't be avoided, are frequent a...
by mojave
Fri Feb 13, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1736

Your car repair/parts expenses for 2014

Curious to hear what others car repair/parts expenses were last year, excluding oil changes. Ours were....much higher than I thought but we also had to get my husband a new set of truck tires and replace his suspension for the first time in 160k miles. So, I'm thinking it normally will be at least h...
by mojave
Fri Feb 13, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 1736

Re: I'm not a bad Boglehead [buying Powerball ticket]

My husband loves to get in on the Powerball when it gets high like this. I would prefer he spend it on the smaller pots - less notoriety, better chances. I honestly would not want to win the Powerball.
by mojave
Fri Feb 13, 2015 12:56 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6128

Re: Dealing with Contractors

Hi - my husband is a contractor part-time, construction foreman by day. The following is my opinion based on being married to a good contractor that gets all of his business by word of mouth. Always check out the guy that is recommended by people. Similar to anything else (doctors, dentists, et al),...
by mojave
Fri Feb 13, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with Contractors
Replies: 9
Views: 687

Re: Mac reliability?

I'm typing from my 2007 white MacBook. Runs like a champ, no issues or anything. Some plastic edging has been peeling off over the years, which apparently is a well known issue. I see no reason that it won't last to 2017 or beyond.
by mojave
Sat Jan 31, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 80
Views: 3834

Re: Cricket Ups High Speed Data on Most Plans

We switched to Cricket from ATT a little over a month ago and there is almost no difference (aside from saving $100 a month and technically having unlimited data). I have noticed download speeds are sometimes a little slower, but it's a very minor annoyance. I like that they have physical locations ...
by mojave
Fri Jan 30, 2015 8:27 pm
 
Forum: Personal Consumer Issues
Topic: Cricket Ups High Speed Data on Most Plans
Replies: 6
Views: 696

Re: Bringing up 529s to the grandparents

Thanks for the tips on easy contributions for family. That was something I was wondering about.
by mojave
Fri Jan 30, 2015 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 3192

Re: Bringing up 529s to the grandparents

Thanks everyone. A lot of food for thought here, and a lot of things I didn't even think about. Great to see it from different perspectives. Some points: - Some interpreted it this way, but I don't mean for this to be something where we approach the grandparents out of nowhere and ask for college mo...
by mojave
Fri Jan 30, 2015 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 3192

Bringing up 529s to the grandparents

We have our first baby on the way so I've started looking into saving for college and the different options available. When I was a kid my paternal grandmother showered my sibling and I with crap that we didn't want or need. It drove my mom crazy because we would have to find a place to put everythi...
by mojave
Thu Jan 29, 2015 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 3192

Re: What age did you move out?

26! I got married.

Had no choice but to live with my parents until then, 50% of my take home would have gone to rent in my area.
by mojave
Thu Jan 29, 2015 1:31 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 5078

Re: When your spouse isn't quite as frugal as you

You strike me as unreasonable based on your plans to buy a home for less than 5 years and then build something on land you have afterwards. That sounds like a way to lose money based on transaction costs alone. Also, how pricey will the house on the land be? And why wasn't the land sold to pay for ...
by mojave
Sat Jan 17, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

Re: When your spouse isn't quite as frugal as you

Really? I can't imagine how vested justified going along with it!! :shock: :shock: :shock: Mojave. Asked, but not answered;can you give us an idea of what the convienence spending adds up to? I don't know exactly. I use mint, but I lump a lot of stuff together (ie, pharmacy purchases, cleaning supp...
by mojave
Sat Jan 17, 2015 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

Re: When your spouse isn't quite as frugal as you

This subject brought a chuckle because it takes a bit of perspective to appreciate how bad it can get. When I was your age (40) I was married to a woman who didn't work. We had two children who were in day care all day while she went out to lunch almost daily with her girlfriends, or went shopping ...
by mojave
Fri Jan 16, 2015 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

Re: What was your costliest investment mistake?

Being too heavily weighted toward stable value fund and not in equities for much too long in the early years of our 401k plans. We're going through this right now. My husband is not interested in learning about personal finance or investing, and he's very wary of it due to his lack of knowledge and...
by mojave
Fri Jan 16, 2015 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9748

Re: When your spouse isn't quite as frugal as you

I can't reply to everyone but just want to say thanks again, lots of food for thought and interesting insight. I really appreciate every response I received and each one was very helpful.
by mojave
Wed Jan 14, 2015 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

Re: When your spouse isn't quite as frugal as you

I mostly agree with other posters but this might be a pick your battles type of situation. However, I do love my breakfast sandwich maker, so I thought I would share it with you! Maybe your husband could muster the energy to make one in the morning? Or you could make one for him? They are so fast &...
by mojave
Wed Jan 14, 2015 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

Re: When your spouse isn't quite as frugal as you

Thanks everyone, you all made really great points and good suggestions. I will try to leave this alone with him :happy Re: the $180k/year, that is pre-tax. It's also an estimate, as each week his take home pay is different unlike my salary. One week, he might bring home $1300 (so, before taxes and s...
by mojave
Wed Jan 14, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

Re: When your spouse isn't quite as frugal as you

Is the $2-3k/month of savings per month in addition to retirement savings, or do you not have other retirement savings? If you are currently saving $2-3k/month more than what you need for retirement savings, then it seems like you should really loosen up on your spouse buying sandwiches for lunch. ...
by mojave
Wed Jan 14, 2015 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

Re: When your spouse isn't quite as frugal as you

Since you asked, I think you are being unreasonable and you just need to roll with it. Based on what you said, he has come a long way and made many positive financial changes, and you are in a position to save 2 to 3 thousand per month! That is great! You really should let the small stuff go and pi...
by mojave
Wed Jan 14, 2015 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

When your spouse isn't quite as frugal as you

I'm looking for some advice, both on how to handle the situation without being a perpetual nag, and how to keep myself in check and learn to pick my battles. I am sure many Bogleheads have spouses that are either uninterested in finances or spend a bit differently. My husband is not as frugal as me....
by mojave
Wed Jan 14, 2015 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 8769

Re: Notice: we're closing your credit card account

I recently had a few cards close from inactivity, they were all small amounts under $2k. I had one close that was my mom's card that I was approved to use when I was in high school. That one caused my average age to go down from 10 years to 6 years which is what had the biggest impact on my score. M...
by mojave
Tue Jan 13, 2015 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Notice: we're closing your credit card account
Replies: 11
Views: 2346

Re: Net Worth Survey, 2015 Edition

Having seen previous survey results, there is a complete lack of guidance on Net Worth (with/without social security). Either people way overestimate or add up their lifetime worth with social security contributions. Why not just remove the additional social security estimate and bring some sense i...
by mojave
Tue Jan 13, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23261

Re: Net Worth Survey, 2015 Edition

Question about valuing the pension. Does this mean the lump sum value at retirement age, or today? All of the calculators I'm using are lump sum at retirement age. ETA it makes sense to not include SS at our age, but the pension has a lump sum value that my husband could get, or if he passed I would...
by mojave
Sat Jan 03, 2015 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23261

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2328.76
by mojave
Thu Jan 01, 2015 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19915

Re: Unauthorized charge on corp. card

A simple reply is all that is needed, the condescension in every reply to my question is unnecessary. I am very afraid of getting my identity stolen as it has happened to my in-laws and has been a nightmare for several years. It's not "stupid" for me to ask just to be doubly certain. That'...
by mojave
Mon Dec 08, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized charge on corp. card
Replies: 9
Views: 780

Re: Unauthorized charge on corp. card

You mean Affecting you personally? Seems to me it could only affect your credit rating if the bill doesn't get paid. However your COMPANY might come back at you for inappropriate expenditures why not get your company to fix it? Tell THEM there are unauthorized charges. I did, they had me contact ou...
by mojave
Mon Dec 08, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized charge on corp. card
Replies: 9
Views: 780

Re: Who Paid for the wedding?

None of the above - I paid for half of it myself. The other half was split evenly between my parents and his parents. His parents did get us our honeymoon, however. My husband paid for the tux.
by mojave
Mon Dec 08, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6738

Unauthorized charge on corp. card

I used my corporate card once and two weeks later, a fraudulent charge was made. I've been on hold with the issuer's fraud department for 17 minutes and counting. Anyway, my SS is not used with this card, but my home address is. My name is unique. I'll ask this of the rep too, but do I need to worry...
by mojave
Mon Dec 08, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unauthorized charge on corp. card
Replies: 9
Views: 780

Re: Healthcare FSA - expecting, due in July

Yes, but then if it ends up being $2k out of pocket for us, then I only have five months to contribute and three of those will be maternity leave, some of which will be without pay. I personally would rather try to plan ahead, at least get $1k under my belt before July.
by mojave
Tue Nov 18, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 17
Views: 2324

Healthcare FSA - expecting, due in July

It's annual enrollment time for me at work and I just happened to find out I am expecting and due in July. I get health insurance from my husband's employer (we don't pay anything for it, we are very fortunate), but at my employer I am able to contribute to a Healthcare FSA from my paychecks up to $...
by mojave
Tue Nov 18, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 17
Views: 2324

Re: Life insurance coverage if you leave employer

Thanks everyone. Looks like I'll just go term for both of us, but keep what I have already set up for now with the group policy.
by mojave
Fri Nov 14, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1170

Re: Life insurance coverage if you leave employer

Thanks Tyrion and Anon - learned a lot, definitely some food for thought!!
by mojave
Wed Nov 12, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1170

Re: Life insurance coverage if you leave employer

I think you meant to say 'these are group policies' rather than 'these are term policies', right? As others have pointed out, the group policies are likely to increase based on your age. And they not guaranteed to stay at any given rate. I understand your husband is harder (more expensive) to insur...
by mojave
Wed Nov 12, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1170

Re: Life insurance coverage if you leave employer

Here is a comparison of premiums: $318k insurance through employer will cost me $9 a month, ends at retirement $300k quote on term4sale, guaranteed until age 65 (retirement age?) $27+ If I change the quote to 30 year guarantee (age 59), it's $18+ a month. I have no health issues, no family backgroun...
by mojave
Wed Nov 12, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1170

Re: Life insurance coverage if you leave employer

You should get term life insurance. While it may be a bit more expensive now, it will be cheaper as you get older. Term life fixes your rate for 20 or 30 years. I get covered 2x my salary at work. When were about to be parents we got 20 year term to cover roughly 15x household earnings for me and 1...
by mojave
Wed Nov 12, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1170

Life insurance coverage if you leave employer

I have access to life insurance through my employer and have had 2x my salary for the last few years because at first I was single, then married in an apartment. We are now expecting :) :shock: and it's annual enrollment time. I have looked at getting policies outside of my employer but it is more e...
by mojave
Wed Nov 12, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance coverage if you leave employer
Replies: 15
Views: 1170

Re: What do you set your thermostat to (in F)?

It depends who walks by it at the time :D

I like 70-72, hubby wants anything below 70.
by mojave
Tue Nov 04, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4909
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