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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: 8629

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: 8629

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: 8629

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: 9566

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: 8629

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: 8629

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: 8629

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: 8629

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: 8629

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: 8629

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: 2333

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: 132
Views: 21854

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: 132
Views: 21854

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: 19738

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: 6696

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: 2306

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: 2306

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: 1156

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: 1156

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: 1156

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: 1156

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: 1156

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: 1156

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: 4817

Re: Lightweight Electric Blanket.

I use one by Sealy. It works as a light blanket in the warmer months and you can remove the wire from it for that purpose. The cover can be removed for washing. I've had it for a few years and it is still going strong.
by mojave
Tue Oct 28, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Lightweight Electric Blanket.
Replies: 8
Views: 1059

Question about stocks and taxes

I have a pretty basic-ish stock question that I can't seem to find an answer for, I wonder if it's because there is a term for it or I just am not describing it well to Google :) Let's say I own shares in company A. Company A buys or merges with company B. A new stock is then created, for new compan...
by mojave
Tue Oct 14, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about stocks and taxes
Replies: 4
Views: 547

Re: Trying to understand Uber and similar "ride sharing" ser

I happened to be in Austin a few months ago right when Uber rolled out there, Uber X. They had a fantastic promo going on, 25 free rides or something like that. Same issue there with the politics and taxi lobbying, but like others have said this is successful because of customer demand. Additionally...
by mojave
Thu Oct 02, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Trying to understand Uber and similar "ride sharing" service
Replies: 54
Views: 4016

Re: Possible Uninsured Motorist accident

Rear end collisions are expensive - I know because my husband was just rear ended twice in a one month period! Hopefully this may help you gauge. His beast truck was the second vehicle rear-ended, it was a 3 car pile up and my husband also hit someone in front of him. His front metal bumper had a di...
by mojave
Thu Oct 02, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Possible Uninsured Motorist accident - UPDATE
Replies: 47
Views: 3845

Re: We have a grocery problem... [Household budget]

"Also noticed I did not buy any gasoline last month."

livesoft - I admire your frugality but I hope you leave your house sometimes :)
by mojave
Tue Sep 23, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: We have a grocery problem... [Household budget]

You all are seriously awesome. I got so many great ideas out of this. Looking at Costco or Amazon for bulk non-perishables, but we will see. On Sunday, we planned 4 meals for the week together and agreed on a shopping list. There should be enough to not need to order out. Yes, he is very picky. He g...
by mojave
Tue Sep 23, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: We have a grocery problem... [Household budget]

Extraordinary claims? What are these? An obese BMI suggests even further evidence that the OP can eat cheaper. And that if I ate less and was healthier than my budget would be less. Again, better evidence the OP could do things cheaper. http://i154.photobucket.com/albums/s275/4nursebee/food_zps442a...
by mojave
Mon Sep 22, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: We have a grocery problem... [Household budget]

I find some posts like these kind of interesting. It is as if some people realy believe they have no personal power in their lives, unable to make decisions or weigh risks and benefits of certain scenarios. Perhaps it is different when asking about things folks know little about, like getting into ...
by mojave
Sat Sep 20, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: We have a grocery problem... [Household budget]

A lot of great suggestions, thank you. Some of them we cannot do however. He needs to eat over 3,000 calories every day. Honestly, 4,000 would not surprise me on some days. He is moving, running, walking and lifting very heavy things from 7am to 5pm. He barely has any body fat on him either, so he i...
by mojave
Fri Sep 19, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: We have a grocery problem...

I second sramina's suggestion of a slow cooker. You can spend less than 5 minutes putting a meal in the slow cooker, let it cook while you are at work, and come home to an inexpensive, delicious, healthy meal. I make large portions in mine and just eat the leftovers for lunch the next day. Rinse re...
by mojave
Fri Sep 19, 2014 1:45 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: We have a grocery problem...

barnaclebob wrote:how much of your shopping occurs around the perimeter of the grocery store vs down the aisles? Thats a big cost indicator.


Mostly in the perimeter. The only thing I buy in the aisle is frozen pizza, bread, coffee and mac & cheese :)
by mojave
Fri Sep 19, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: We have a grocery problem...

Thanks everyone, so many very helpful tips and suggestions. I think showing the annual spend will be a shock to my husband and hopefully will get him more on board with fixing this. It will be different when I'm home more, whether it be part time or full time. I don't mind cooking, I hate the planni...
by mojave
Fri Sep 19, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

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 sm...
by mojave
Fri Sep 19, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: We have a grocery problem...

Those frequent pit stops in the grocery stores eat up money. I am trying to stay at one grocery store visit a week. It sounds like your husband is a significant factor in the extra costs. How serious is he about controlling costs? How about offloading some of the work onto him? Why isn't he making ...
by mojave
Fri Sep 19, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

We have a grocery problem... [Household budget]

We need some help and the first step is admitting we have a problem. :-( There are two of us in a household, no kids or pets. We are frugal with everything except groceries and food. We live in the Chicago area so somewhat HCOL. Looking at mint.com, we average over the last 12 months: - $230 a week ...
by mojave
Fri Sep 19, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 11618

Re: Life insurance with a smoking spouse

toto238 wrote:If it adds any levity to the conversation, when I originally saw the subject to this thread, my first thought was that "smoking" was a reference to the physical attractiveness of OP's spouse. So that's a thing.


Haha! Well, that too :)
by mojave
Mon Sep 08, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1374

Re: Life insurance with a smoking spouse

Mojave, I get what you are saying about this thread being about insurance and not his quitting, as he isn't going to do it obviously. You are smart in recognizing that nagging him will make it more, not less, likely that he will keep smoking. If he is going to stop, he will need to convince himself...
by mojave
Mon Sep 08, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1374

Re: Life insurance with a smoking spouse

$1M is probably a starting point if he is making $100k+ and you aren't working. Buy the life insurance in the amount that you need and can afford, then re-apply in the future if he ever quits for at least a year. A smoker will pay 2-3x the price for the same coverage as a non-smoker. On a side note...
by mojave
Mon Sep 08, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1374

Re: Life insurance with a smoking spouse

How much income are you hoping to replace with the proceeds from life insurance? I think perhaps you should use the portfolio help format to ask your question. The hope is to cover a mortgage (which we don't have yet, but let's assume $250k) plus enough to cover a year or two of his income to allow...
by mojave
Mon Sep 08, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1374

Re: Life insurance with a smoking spouse

$1M is probably a starting point if he is making $100k+ and you aren't working. Buy the life insurance in the amount that you need and can afford, then re-apply in the future if he ever quits for at least a year. A smoker will pay 2-3x the price for the same coverage as a non-smoker. On a side note...
by mojave
Mon Sep 08, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1374

Re: Life insurance with a smoking spouse

I appreciate the concern about him smoking but I think in this post it is unfair to expect him to quit to save the money. He will not quit, and I will no longer pester him about it, it is his choice and he knows my feelings on it. I do not appreciate the comments, whatever your intention may be, th...
by mojave
Mon Sep 08, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1374

Re: Life insurance with a smoking spouse

I appreciate the concern about him smoking but I think in this post it is unfair to expect him to quit to save the money. He will not quit, and I will no longer pester him about it, it is his choice and he knows my feelings on it. I do not appreciate the comments, whatever your intention may be, tha...
by mojave
Mon Sep 08, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1374

Life insurance with a smoking spouse

Looking for some feedback from those wiser than I. I'm thinking about getting us life insurance for several reasons - we are planning on starting a family, my husband has a dangerous job and he smokes. He is and will always be the bread winner and our hope is for me to be a stay-at-home-mom at least...
by mojave
Mon Sep 08, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1374
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