Search found 385 matches

by mojave
Mon Jun 22, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: shopping for insurance
Replies: 13
Views: 1426

Re: shopping for insurance

Meaty wrote:I use an independent agent. He shops my insurance annually through 20+ companies


How did you find him and how does he get compensated? I have been looking for one but they only compare a handful of companies.
by mojave
Mon Jun 22, 2015 1:14 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 13247

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

They are two different philosophies. I am a Boglehead and my husband is a Biggerpocketer and we manage to coexist. By nature I am more conservative and cautious. He is a big dreamer and has significant remodeling in his background, as well as some real estate. There are a few very successful RE inve...
by mojave
Thu Jun 18, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Sewer drain endorsement (homeowners insurance)
Replies: 2
Views: 447

Re: Sewer drain endorsement (homeowners insurance)

Sewer backup can be quite different from "flooding". Is your basement finished? If so, and the sewer backs up, you've got contamination everywhere... probably into the floor foundation (depending upon construction) and any floor covering, into and behind baseboards and even drywall, plus ...
by mojave
Thu Jun 18, 2015 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Sewer drain endorsement (homeowners insurance)
Replies: 2
Views: 447

Sewer drain endorsement (homeowners insurance)

We are closing on a house soon and I am working on the last details of our homeowner's insurance. The "value" to rebuild our home ($400k) is double what we will be paying ($200k), which put the monthly premium way above what my broker approved for the monthly payment (we are going off my i...
by mojave
Mon Jun 15, 2015 11:18 am
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 2952

Re: Which is a best place to start learning yoga?

I disagree with anyone that says you can start with a DVD. DVDs are definitely my go-to now, but when you are a beginner and learning all of the terms and poses it is really important to have a teacher there, as well as other students around you that you can mirror when you don't recognize a pose - ...
by mojave
Fri Jun 05, 2015 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does too high initial house asking price kill chance at selling house?
Replies: 50
Views: 4708

Re: Does too high initial house asking price kill chance at selling house?

I have three friends in my area that sold their houses in the last two weeks. The first sold at "asking price" on the first day it was out. The second sold their house "at asking" even before it was officially listed. The third got two offers on the first day, and took, the high...
by mojave
Thu Jun 04, 2015 11:17 am
Forum: Personal Consumer Issues
Topic: Finding a pediatrician - new parents
Replies: 21
Views: 1078

Re: Finding a pediatrician - new parents

Thanks everyone, this was very helpful. With your advice I have narrowed it down to two practices, both within a few miles of our soon-to-be home. Everything is pretty similar between the two, however Practice A is affiliated with the Children's Hospital of Chicago. Practice B has some kind of a con...
by mojave
Tue Jun 02, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: Finding a pediatrician - new parents
Replies: 21
Views: 1078

Finding a pediatrician - new parents

We are due with our first child in less than two months :D We are also going to be moving to a new town soon. The house is a short sale and because of that, I wasn't sure where exactly we would be living. But now that we know for sure we will be there, I need to find a pediatrician. I have done some...
by mojave
Wed May 20, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Living on last months income.
Replies: 33
Views: 3468

Re: Living on last months income.

I don't fully understand this. So if you bring home $6k each month, and you live on last month's income, then you would have ~$6k in checking at all times?
by mojave
Mon May 11, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on our car insurance
Replies: 3
Views: 376

Thoughts on our car insurance

Car insurance is one aspect of our finances that I have not been able to wrap my head around. We bundle our insurance for three vehicles with renters insurance and a personal articles policy with State Farm. One of the vehicles is a truck that my husband does not use much, and it gets a discount for...
by mojave
Wed Apr 29, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: old ways can still be the best ways [percolator]
Replies: 36
Views: 3208

Re: old ways can still be the best ways [percolator]

I agree, and I am 29. I use an old glass stovetop one from David Douglas. It has gold pinecones on it and turquoise pine needles. I use percolator filters to prevent the grinds from falling in.
by mojave
Tue Apr 28, 2015 3:41 pm
Forum: Personal Consumer Issues
Topic: What is the best roofing material?
Replies: 17
Views: 1911

Re: What is the best roofing material?

The inspector will look at the roof and will be able to give you an idea on how much life may be left.
by mojave
Sun Apr 26, 2015 12:07 pm
Forum: Personal Consumer Issues
Topic: Cost to deliver a baby today?
Replies: 23
Views: 1764

Re: Cost to deliver a baby today?

We had a daughter one year ago. Total bill (to us) was just shy of $5k. I tried negotiating the bill...no dice. We paid it and moved on. Coincidentally, my wife got sick 4 months later and required a 4 day hospital stay. We had met our deductible so we didn't pay anything. It sounds like both visit...
by mojave
Wed Apr 22, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: Buying a Car to commute - SUV or Sedan?
Replies: 55
Views: 4942

Re: Buying a Car to commute - SUV or Sedan?

I do half your commute (both time and mileage) and fill up once a week. I drive a Hyundai Santa Fe. It's hard for me to drive anything smaller because I am 5'0 and for whatever reason, don't see the road very well in sedans. If you're used to sedans and you have that commute, I would probably stick ...
by mojave
Sun Apr 19, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Anyone here experience a change to a "right to work" state
Replies: 14
Views: 1513

Re: Anyone here experience a change to a "right to work" sta

Thank you so much everyone for the replies. A lot to digest, but I'm really glad to see all of the unbiased replies. As you can imagine, getting unbiased information on this, especially in our state right now, is difficult.
by mojave
Sun Apr 19, 2015 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone here experience a change to a "right to work" state
Replies: 14
Views: 1513

Re: Anyone here experience a change to a "right to work" sta

I guess I could use some education about unions, but I thought that union dues and such went to pay for administrative stuff related to the union - salaries of union officials and workers, infrastructure of the union (offices, pens paper, etc., even if on a national scale.) The other items you ment...
by mojave
Sun Apr 19, 2015 10:16 am
Forum: Personal Consumer Issues
Topic: Anyone here experience a change to a "right to work" state
Replies: 14
Views: 1513

Anyone here experience a change to a "right to work" state

First, I want to say - please do not make this a political discussion. This is about finances and benefits. :beer We live in unionized state and our new Governor wants to make it a "right to work" state. Due to the nature of my husband's job and industry, and his demand in said job/industr...
by mojave
Wed Apr 15, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 4109

Re: Should I buy extended warranty for our new Toyota Sienna

.... To take it to the extreme, let's say your car has only a .1% chance of ever needing a repair but if it does it will cost $10,000 to fix. If the dealer prices the warranty at $11, would you not purchase it simply because they are expected to make a $1 profit on every warranty ($11 - $10,000 *.1...
by mojave
Tue Apr 14, 2015 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to [Financially] Prepare for a Baby
Replies: 42
Views: 4066

Re: How to Prepare for a Baby

I am due in three months with our first. This is what I have done, and advice I have: - learn your health insurance plan and what it does and does not cover. When I was in the planning stages, I opted for genetic testing to see if I was a carrier for several genetic disorders like cystic fibrosis. T...
by mojave
Tue Apr 14, 2015 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11880

Re: Does your family know about your net worth (ball park)?

No one knows our actual net worth. My mom has an idea, because she and I are close. I have an idea of hers as well - she tells me because she doesn't want me to worry about her. No clue about my dad and I don't want to know, I wouldn't be surprised to find out there is no retirement. I know my sibli...
by mojave
Thu Apr 09, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 4109

Re: Should I buy extended warranty for our new Toyota Sienna

Another thing to think about, and another reason why I opted not to get one - if something major needed to be repaired, how much would that cost? Likely, about the same as the warranty. If you're willing to spend that on the warranty, I personally would rather take the risk of waiting to see if I ac...
by mojave
Thu Apr 09, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 4109

Re: Should I buy extended warranty for our new Toyota Sienna

Hyundai tried doing this to me as well when my warranty went up at 60k mi. It was about the same price and same warranty - I declined because my husband can do most repairs himself. Glad I declined because in the time frame that would have been under the extended warranty, absolutely nothing went wr...
by mojave
Tue Apr 07, 2015 12:38 pm
Forum: Personal Consumer Issues
Topic: Gearing up for big replacement windows project
Replies: 35
Views: 2926

Re: Gearing up for big replacement windows project

We are in the negotiation phase of a 1930s farm house. The windows in the upstairs bedrooms could probably be replaced rather inexpensively (husband can install them himself and they look to be a standard size) but there are some on the main floor that are nearly floor to ceiling that I am sure woul...
by mojave
Mon Mar 30, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Home security systems
Replies: 7
Views: 873

Home security systems

My husband and I are working through buying a home that is a short sale. The home is not occupied (sellers had to relocate) but it is still being taken care of, with the listing agent stopping by several times a week to check on things. Anyway this is our first home purchase, currently we are in an ...
by mojave
Fri Mar 27, 2015 3:37 pm
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7389

Re: My evil plan backfired

Thanks everyone, appreciate all of the insight. Sadly, we will not be able to buy a house with this lol - this amount doesn't even make up 1% of our portfolio, so it's really a drop in the bucket. Just me being cautious. One percent?!!!??? On behalf of husbands everywhere, please let your husband h...
by mojave
Fri Mar 27, 2015 10:24 am
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7389

Re: My evil plan backfired

Thanks everyone, appreciate all of the insight. Sadly, we will not be able to buy a house with this lol - this amount doesn't even make up 1% of our portfolio, so it's really a drop in the bucket. Just me being cautious.
by mojave
Thu Mar 26, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7389

Re: My evil plan backfired

MWAHAHAHAHAHAHA. Sorry, had to get my evil plan laugh out of my system. First, congrats on making money. But you're right--it's kind of like when a really bad shooter makes a 3 pointer in the beginning of a game of basketball. Great to get the 3 points, but now he/she is jacking them up for the res...
by mojave
Thu Mar 26, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7389

Re: My evil plan backfired

I like the ideas of opening up the Kraft money to do as he pleases. It doesn't amount to much and is more of a bonus that I never expected to have. Good idea!
by mojave
Thu Mar 26, 2015 3:39 pm
Forum: Investing - Theory, News & General
Topic: My evil plan backfired
Replies: 53
Views: 7389

My evil plan backfired

I wasn't sure if I should post this here or in investments, but as it's more around psychology and behaviors than investments specifically I put it here. Last fall my husband wanted to try out buying individual stocks. Long story short - I wasn't on board with the idea but he wasn't on board with in...
by mojave
Tue Mar 10, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 2002

Old homes and radiator heating

This evening we are going to look at a large home that was built in the 1930s. It's in a really nice neighborhood that would normally be way out of our price range. It has mostly been updated, with a large updated kitchen and bathrooms. It still has its old home charm, like a large stone fireplace a...
by mojave
Fri Mar 06, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 4131

Re: Blues (music)

Erhan wrote:Another blues fan here.
Thank you for the suggestions.



Have to say this as well:

"We are on a mission from God."


Edit - "Gahd" :)
by mojave
Fri Mar 06, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: Well made woman's shoe?
Replies: 27
Views: 2437

Re: Well made woman's shoe?

Cole Haan Nike Air.
by mojave
Fri Mar 06, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Blues (music)
Replies: 57
Views: 4131

Re: Blues (music)

I love the blues, my favorite genre - thanks dad! In the warm months, Spring through Fall, I go for a 5 mile walk every Saturday morning and listen to my favorite podcast, The Roadhouse (The Finest Blues You've Never Heard). http://roadhousepodcast.com/ ETA - my favorite song I've heard on that podc...
by mojave
Thu Mar 05, 2015 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 3346

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

OP - what area are you looking in and what is your budget? I am from Chicago, grew up in Park Ridge. I can vouch for the schools - they are all very good (maybe not Maine East but I would assume that would not be the high school you would get). Lake Zurich has great schools as well and has a wide ra...
by mojave
Thu Feb 26, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 4224

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 4:47 pm
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 4224

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 4:39 pm
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 32
Views: 4224

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 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 5269

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
Mon Feb 23, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 28
Views: 2306

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
Sat Feb 21, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: School ratings, differing opinions on potential home local
Replies: 11
Views: 940

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 6:49 pm
Forum: Personal Consumer Issues
Topic: School ratings, differing opinions on potential home local
Replies: 11
Views: 940

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
Fri Feb 20, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 6019

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
Thu Feb 19, 2015 3:01 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 174
Views: 13047

Re: What is your favorite consumer product?

You all are making the pregnant lady hungry.

Bacon.
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: 3254

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
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: 9119

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
Sun Feb 15, 2015 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 2382

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
Sat Feb 14, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 2382

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
Fri Feb 13, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 2382

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 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Your car repair/parts expenses for 2014
Replies: 29
Views: 2382

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 12:56 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6962

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.

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