Search found 1113 matches

by Go Blue 99
Tue Feb 13, 2024 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Have you ever replaced a perfectly fine car just because?
Replies: 111
Views: 8485

Re: Have you ever replaced a perfectly fine car just because?

What is your savings rate %? I assume it's high based on your purchase anxiety. If so, you can obviously afford it. If you think it will bring you joy, I would do it.

Even though I consider myself a car guy, I'm chugging along in a 10 yr old Hyundai. It's definitely one of the lesser cars in our neighborhood. Spouse is encouraging me to get a new car, but I mostly telecommute so I think it would be a waste for me.
by Go Blue 99
Tue Feb 06, 2024 8:00 am
Forum: Personal Finance (Not Investing)
Topic: How did you decide your comfortable annual expense?
Replies: 40
Views: 3604

Re: How did you decide your comfortable annual expense?

Earlier in our careers when we weren't making that much, we aimed to live a simpler lifestyle. We didn't have a specific savings rate % in mind though.
When I look back at old spreadsheets, I'm amazed how little we spent early in our marriage.

Now that we're making much more, we've drastically increased vacation spending. Our present savings goals are 1/3 of gross. We are happy with our balance of enjoying life now and saving for the future.
by Go Blue 99
Mon Feb 05, 2024 11:25 am
Forum: Personal Finance (Not Investing)
Topic: DW Laid Off, I'm Panicking
Replies: 166
Views: 20739

Re: DW Laid Off, I'm Panicking

As others have said, you are doing great. I'm impressed by your taxable portfolio. It sounds like DW was making a sizable income, or you had a windfall at some point.
by Go Blue 99
Tue Jan 30, 2024 7:24 am
Forum: Personal Consumer Issues
Topic: Ring alarm system questions.
Replies: 27
Views: 2995

Re: Ring alarm system questions.

We've had Ring for over 3 years and have been happy with it. It works well with our Ring outdoor security cameras.

The only thing my spouse doesn't like is that the alarm isn't as loud as our previous traditional system.
by Go Blue 99
Sat Dec 02, 2023 6:32 am
Forum: Personal Consumer Issues
Topic: Personal print and use of laptop at work
Replies: 42
Views: 5540

Re: Personal print and use of laptop at work

I'm at a megacorp and I often see people printing personal items. I do it once in a while, but average less than 10 pages a year. I don't print out items like tax forms though.
by Go Blue 99
Wed Nov 22, 2023 8:19 am
Forum: Personal Consumer Issues
Topic: Drip Coffee Machine recommendations - Simple, easy, "Super automated"
Replies: 41
Views: 5120

Re: Drip Coffee Machine recommendations - Simple, easy, "Super automated"

I bought the Moccamaster Cup One last year, and really enjoy it.
by Go Blue 99
Wed Nov 22, 2023 8:17 am
Forum: Personal Consumer Issues
Topic: Hey Men, what are you wearing to the gym?
Replies: 123
Views: 17421

Re: Hey Men, what are you wearing to the gym?

I tend to favor very soft technical fabrics. I've stocked up on the Vuori Strato Tech tee, which is the probably the softest workout gear you can buy.
by Go Blue 99
Fri Nov 10, 2023 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Intuit's Mint App Shutting Down...Replacement Recommendations?
Replies: 754
Views: 141299

Re: Intuit's Mint App Shutting Down...Replacement Recommendations?

I've signed up for both Monarch Money and Quicken Simplifi. Both seem to work well so far, but I don't like Simplifi's interface at all. So I am likely choosing Monarch going forward. FYI Monarch is doing 50% off as their Black Friday promotion.

I like Monarch's interface, and the overall functionality reminds me of Mint. The one Mint feature I do miss is seeing your upcoming credit card bill payments.
by Go Blue 99
Fri Nov 03, 2023 12:01 pm
Forum: Personal Consumer Issues
Topic: Magazines for kids?
Replies: 14
Views: 1185

Re: Magazines for kids?

My kids enjoy Highlights and Highlights High Five.
by Go Blue 99
Wed Nov 01, 2023 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Flexible Time Off - What happens when you cross the invisible line?
Replies: 101
Views: 95251

Re: Flexible Time Off - What happens when you cross the invisible line?

Is someone else on your team doing your work for you while you are gone? Or does your work pile up and wait for you?

I'm at a megacorp with a pretty generous PTO policy, and we never have issues taking time off. And it's frowned upon to make people work while on vaca. But typically nobody else on the team is able to do your work, so you still end up doing the vast majority of it when you are back in office.

I think there would be more issues if your peers had to pick up your slack for you.
by Go Blue 99
Wed Nov 01, 2023 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a $100K backyard?
Replies: 56
Views: 8683

Re: Can I afford a $100K backyard?

Hello fellow Wolverine,

Our financial stats are similar. As long as you aren't targeting early retirement, I would go ahead and do it.

We spent just under $100k doing our backyard living space this year. We did a screened porch with vinyl windows and a mini-split unit, with an uncovered space also (for a future grill). We love it so far, and have no regrets spending that much. Our downstairs area isn't huge, so my wife enjoys having this additional space when entertaining.
by Go Blue 99
Mon Oct 16, 2023 8:09 am
Forum: Personal Consumer Issues
Topic: Roku for new LG C2 OLED TV
Replies: 40
Views: 3726

Re: Roku for new LG C2 OLED TV

Always Roku (or Apple TV, etc) over the in-TV apps. The TV's processing power for apps won't be able to compete with Roku Ultra or Apple TV, especially over the long term.
by Go Blue 99
Tue Oct 03, 2023 7:25 am
Forum: Personal Consumer Issues
Topic: Home Security Cameras - Worth it?
Replies: 67
Views: 5816

Re: Home Security Cameras - Worth it?

We had Google Nest at our last home, and Ring at our current home. I prefer Google Nest, as it records 24/7. However, you need outlets to get the 24/7. Ring is more flexible as you can do batteries or solar. However, I find the motion notifications aren't as good as I would like.
by Go Blue 99
Tue Oct 03, 2023 7:23 am
Forum: Personal Consumer Issues
Topic: Best Noise cancelling buds
Replies: 44
Views: 6428

Re: Best Noise cancelling buds

The new Bose Ultra in-ear buds came out this week, and the reviews have been really good. The consensus is that it's the best noise cancelling earbud, and the new spatial audio features are getting great reviews as well. The main negatives seem to be no multi-point bluetooth, and no wireless charging case included (you can pay extra to get one). I plan to pick up a pair of these soon.

https://www.digitaltrends.com/home-thea ... ds-review/

https://www.pcmag.com/reviews/bose-quie ... ra-earbuds

https://www.engadget.com/bose-quietcomf ... 57701.html
by Go Blue 99
Sun Oct 01, 2023 9:44 am
Forum: Personal Consumer Issues
Topic: Active WFH wardrobe
Replies: 71
Views: 6954

Re: Active WFH wardrobe

I've bought a huge amount of athleisure/WFH clothes over the past 2-3 years. My main criteria is clothing that is very soft. There are some companies that are making super soft fabrics these days. My favorites right now:

Vuori
Myles Apparel
Mack Weldon
Tasc performance

Sticker prices are high, but you can get deals via sign-up coupons or sale sections.
by Go Blue 99
Fri Aug 25, 2023 9:51 am
Forum: Personal Consumer Issues
Topic: Electronic Door Locks / Smart Locks
Replies: 48
Views: 6944

Re: Electronic Door Locks / Smart Locks

I've had the Schlage for many years, and we really like it. I like that it integrates with our Ring app also.
by Go Blue 99
Fri Aug 11, 2023 11:38 am
Forum: Personal Finance (Not Investing)
Topic: WSJ Series on "Here's what a $X million retirement in the US looks like"
Replies: 113
Views: 15070

Re: WSJ Series on "Here's what a $X million retirement in the US looks like"

IowaFarmBoy wrote: Fri Aug 11, 2023 10:18 am Does anyone know if those survey numbers are per individual or per household?
It is household.
by Go Blue 99
Thu Aug 03, 2023 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 19
Views: 2406

Re: Can we afford this house?

safari wrote: Thu Aug 03, 2023 10:01 am I am shocked you could find a house for just $800K in a VHCOLA. Sounds like a bargain! You could buy it with cash, so, of course, you can easily afford it.
Agreed. Wouldn’t an $800k home disqualify it from counting as VHCOL?
by Go Blue 99
Tue Aug 01, 2023 9:39 am
Forum: Personal Consumer Issues
Topic: Kid friendly, all inclusive resort in Mexico/Caribbean? Feb 2024
Replies: 18
Views: 7602

Re: Kid friendly, all inclusive resort in Mexico/Caribbean? Feb 2024

Stick5vw wrote: Tue Aug 01, 2023 6:10 am Thank you all for the thoughtful responses!

Mexico seems to offer the best bang for one’s buck. I will compare the various options mentioned and see what is doable.
We've done a lot of all-inclusives over the years, and Riviera Maya/Cancun area definitely provides the best value for your money. There are a ton of resorts, so plenty of pricing competition. Caribbean islands have fewer options so they can charge whatever (e.g. Beaches Turks). Also, depending on where you live, Cancun flights tend to have more availability and lower prices than flights to Caribbean islands.

My main negative is that the beaches there are mediocre at best. If you place a high priority on clear water and big beaches, you will want to look elsewhere.
by Go Blue 99
Tue Aug 01, 2023 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Premium for 2 million umbrella policy
Replies: 128
Views: 19884

Re: Premium for 2 million umbrella policy

We pay $508 for a $2m policy through Geico.
by Go Blue 99
Sun Jul 30, 2023 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you spend on your cars?
Replies: 96
Views: 9598

Re: How much did you spend on your cars?

We typically buy new cars that are fully loaded, and drive for 10-12 years. My wife drives a Volvo XC90 ($60k) and I drive a Hyundai Santa Fe Sport ($32k).
by Go Blue 99
Sat Jul 22, 2023 1:40 pm
Forum: Personal Consumer Issues
Topic: Long wait at Hyundai dealership for service (resolved)
Replies: 27
Views: 2736

Re: Long wait at Hyundai dealership for service

I recently needed work on my Sante Fe Sport and it was about a 2 week wait for an appointment. I had to call in to get that, as the website was showing no availability for over a month.
by Go Blue 99
Sat Jul 22, 2023 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bogles in 40s and 50s, how should I spend 30s
Replies: 91
Views: 15112

Re: Bogles in 40s and 50s, how should I spend 30s

I spent my 30s spending, but being very cautious about it. I always looked for deals, and mulled purchases over for weeks/months before pulling the trigger. I have no regrets on that. In my 40s now, I can spend freely and not feel guilty.
by Go Blue 99
Tue Jul 11, 2023 2:42 pm
Forum: Personal Consumer Issues
Topic: TV streaming...is HD worth the extra $ over SD?
Replies: 40
Views: 2969

Re: TV streaming...is HD worth the extra $ over SD?

In my experience, most people will notice the difference between SD and HD. But only techies will appreciate 4K. My favorite video experience is watching a 4K movie on my OLED TV.
by Go Blue 99
Thu Jun 29, 2023 8:04 am
Forum: Personal Finance (Not Investing)
Topic: High expenses
Replies: 138
Views: 13036

Re: High expenses

Since you plan on working another 20 yrs, I think you are perfectly fine with your spending level. Your savings level is still quite solid. Financial Samurai says the top 1% has a 38% savings rate, so you aren't too far off.

Do you find yourself regretting the purchases you make? If not, then I wouldn't worry too much about it.

We have a similar HHI and NW as you. Though our spending isn't as high as yours, we do still spend a lot. I don't feel guilty about it, since we are hitting our savings goals.
by Go Blue 99
Tue Jun 20, 2023 10:08 am
Forum: Personal Consumer Issues
Topic: Should I buy a cordless Dyson vacuum ... and which one? (Update! OMG!)
Replies: 83
Views: 12378

Re: Should I buy a cordless Dyson vacuum ... and which one?

We've had a Dyson V7 for 5 years now. The suction performance has really decreased in the past year or so. And the battery dies immediately if you use the Max suction feature.

The new Dyson 15 looks really nice though.
by Go Blue 99
Sun Jun 11, 2023 9:44 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 4524
Views: 617438

Re: What frugal thing did you do today?

My kid's summer camp sometimes hands out tasty leftovers at pick-up. That provided a nice dinner for me.
by Go Blue 99
Fri May 19, 2023 8:02 am
Forum: Personal Consumer Issues
Topic: College selection-NEU or OSU
Replies: 104
Views: 8597

Re: College selection-NEU or OSU

Even I would recommend Ohio State in this situation!
by Go Blue 99
Fri May 05, 2023 10:47 am
Forum: Investing - Theory, News & General
Topic: Financial podcasts
Replies: 43
Views: 5515

Re: Financial podcasts

I enjoy Jill on Money (https://www.jillonmoney.com/podcasts). People call in with their financial situations and she gives them advice.
by Go Blue 99
Fri May 05, 2023 9:16 am
Forum: Personal Consumer Issues
Topic: Help my niece choose a marketable college major
Replies: 173
Views: 14100

Re: Help my niece choose a marketable college major

I know this is just one data point but wanted to add in. My spouse did psychology undergrad, and worked briefly at a bank in a lower-end job after graduation. She later added an MBA in Human Resources, and is now an exec making almost $350k in MCOL. I've asked her in the past, and she says she has no regrets picking a psych major. Obviously the grad degree was a big factor though.
by Go Blue 99
Fri Apr 21, 2023 7:54 pm
Forum: Personal Consumer Issues
Topic: Global Entry Interview Challenge
Replies: 106
Views: 16127

Re: Global Entry Interview Challenge

I just submitted applications for my family of 4. My wife and I are going internationally in a few months, so we will just plan to interview when we land back in the US.

For the kids, I plan to subscribe to one of those text alert systems to get an appointment. From what I've read online, it's possible that you can bring a second child to an interview and have them interviewed as well (will depend on the agent).
by Go Blue 99
Tue Apr 18, 2023 7:55 am
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella: Significant Increase in Premium
Replies: 247
Views: 43230

Re: GEICO Umbrella: Significant Increase in Premium

I just renewed today for a $2M policy. Surprisingly, I only had a 3.6% premium increase.
by Go Blue 99
Tue Apr 04, 2023 7:26 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 649
Views: 112417

Re: Don't pay full price for SiriusXM radio

With the proliferation of internet radio apps, Podcasts, and even service like Amazon Prime that let you download entire albums for free, why people pay for radio service is beyond me. X2 and there are allot more now 6+ years after your post. Streaming is acceptable if you listen to the same station, album, or podcast during your entire drive. But if you like to cycle through music genres, nothing beats sat radio. Touching your phone while driving is illegal in my state, so being able to use your steering wheel buttons is vital. Free streaming apps let you set genres and cycle through all hands free. as well as thousands of podcasts. SO has SiriusXM and I see no benefit. How does this hands-free cycling occur? Via voice control? I doubt it...
by Go Blue 99
Mon Apr 03, 2023 10:12 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 649
Views: 112417

Re: Don't pay full price for SiriusXM radio

retireIn2020 wrote: Sat Apr 01, 2023 12:15 am
blaugranamd wrote: Sat Aug 27, 2016 4:35 pm With the proliferation of internet radio apps, Podcasts, and even service like Amazon Prime that let you download entire albums for free, why people pay for radio service is beyond me.
X2 and there are allot more now 6+ years after your post.
Streaming is acceptable if you listen to the same station, album, or podcast during your entire drive. But if you like to cycle through music genres, nothing beats sat radio. Touching your phone while driving is illegal in my state, so being able to use your steering wheel buttons is vital.
by Go Blue 99
Sat Apr 01, 2023 9:13 pm
Forum: Personal Consumer Issues
Topic: How long have you been in your current house?
Replies: 148
Views: 12404

Re: How long have you been in your current house?

This fall will be 3 years. We were in a previous part of our city for 2.5 years, and we didn't like the area. We decided to make a move while the kids were still young, and it's been a great decision thus far. We love the house and the area.
by Go Blue 99
Fri Mar 31, 2023 10:45 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 649
Views: 112417

Re: Don't pay full price for SiriusXM radio

I just renewed annual Platinum for $145 with all taxes and fees. It was $129 the year before.
by Go Blue 99
Fri Mar 31, 2023 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Lost Job -- Looking for some input
Replies: 57
Views: 9408

Re: Lost Job -- Looking for some input

safari wrote: Fri Mar 31, 2023 9:26 pm
Kookaburra wrote: Fri Mar 31, 2023 8:48 pm
stan1 wrote: Thu Mar 30, 2023 7:22 pm
Burner444 wrote: Thu Mar 30, 2023 2:51 pm Roth IRA 2: ±9500K in VTSAX and VTIAX
I'll try it with the quote, since we need him to come back and let us know if this is $950K (cut expenses, retrench) or really $9.5M (game over, go enjoy your kids).
If the latter, this is the worst humble brag ever. Even if 950K, it’s still up there.
Nobody writes $9.5M as $9500K, so I bet he either added an extra zero by mistake ($950K), or accidentally put the K at the end ($9500).
Agreed. I’m surprised so many posters think $9.5M is a possibility. The OP even states his savings unfortunately don’t match his formerly high income.
by Go Blue 99
Wed Mar 15, 2023 3:32 pm
Forum: Personal Consumer Issues
Topic: Adding Screen-In Porch to Existing Deck
Replies: 29
Views: 3080

Re: Adding Screen-In Porch to Existing Deck

We are in the process of doing this right now, though ours is a slab home so there is no deck. We are getting a 20' x 14' screened porch with Porch Conversion vinyl windows, and a 13' x 9' uncovered space. We are also getting a Mitsubishi mini-split which will provide some cooling and heat.

The screen is to protect vs bugs, and the windows are for protection vs pollen and heavy rain. We are really looking forward to it as extra entertaining space as well, as our main floor isn't that large.
by Go Blue 99
Sat Mar 04, 2023 8:45 am
Forum: Personal Consumer Issues
Topic: Cars: Max you'd pay? How long do you keep cars? Plans to go EV?
Replies: 99
Views: 8948

Re: Cars: Max you'd pay? How long do you keep cars? Plans to go EV?

1. My wife's car cost $60k (a Volvo XC90, which she loves). I'm driving a 9 yr old Hyundai. I have no interest in getting a new car right now, since I have a very short commute. I'm a car guy, but I just can't get myself to buy a luxury car as my daily driver. 2. Our strategy has always been- buy a new fully loaded model. I don't like knowing that my car offered tech options that I don't have. And having all of the tech makes the car feel newer for longer, so there is less itch to upgrade the car. 3. 10 yrs has been the average for us. 4. We will consider electric for our next purchase. My wife has a long commute, so the plan would be getting her an electric sedan (she misses driving sedans). 5. We've never leased, but we will consider it i...
by Go Blue 99
Sat Feb 25, 2023 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: CPA mistake
Replies: 72
Views: 6778

Re: CPA mistake

Maybe I've just had bad luck, but I find errors with every CPA I've used. 2 CPAs were with H&R Block, and my current one is with a local small firm that has good reviews. The errors typically do with filing the 8606 Backdoor Roth form incorrectly. But I've also had issues of the CPA missing details that I emailed to them. So I go through each completed form they send me as well as I can. I would like to do the forms myself, but I have multiple income streams from Schedule K-1's that are beyond my tax skill level. I have never had experiene with K-1's but I have to ask : If every CPA (- sidenote, are you sure the H&R block person is a CPA, and not just a tax preparer) you have had has committed errors- why do you feel they are handl...
by Go Blue 99
Sat Feb 25, 2023 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: CPA mistake
Replies: 72
Views: 6778

Re: CPA mistake

Maybe I've just had bad luck, but I find errors with every CPA I've used. 2 CPAs were with H&R Block, and my current one is with a local small firm that has good reviews. The errors typically do with filing the 8606 Backdoor Roth form incorrectly. But I've also had issues of the CPA missing details that I emailed to them. So I go through each completed form they send me as well as I can. I would like to do the forms myself, but I have multiple income streams from Schedule K-1's that are beyond my tax skill level. I have never had experiene with K-1's but I have to ask : If every CPA (- sidenote, are you sure the H&R block person is a CPA, and not just a tax preparer) you have had has committed errors- why do you feel they are handl...
by Go Blue 99
Sat Feb 25, 2023 11:55 am
Forum: Personal Finance (Not Investing)
Topic: CPA mistake
Replies: 72
Views: 6778

Re: CPA mistake

Maybe I've just had bad luck, but I find errors with every CPA I've used. 2 CPAs were with H&R Block, and my current one is with a local small firm that has good reviews. The errors typically do with filing the 8606 Backdoor Roth form incorrectly. But I've also had issues of the CPA missing details that I emailed to them.

So I go through each completed form they send me as well as I can. I would like to do the forms myself, but I have multiple income streams from Schedule K-1's that are beyond my tax skill level.
by Go Blue 99
Fri Feb 24, 2023 8:03 am
Forum: Personal Consumer Issues
Topic: Best Vacuum Cleaners
Replies: 125
Views: 12889

Re: Best Vacuum Cleaners

Does anyone here have a Miele cordless stick vacuum? If so, what are your thoughts on it?
by Go Blue 99
Mon Feb 20, 2023 2:41 pm
Forum: Personal Investments
Topic: What % of your gross income do you set aside for retirement?
Replies: 224
Views: 21807

Re: What % of your gross income do you set aside for retirement?

Last year, we saved 33.3% of gross income from our jobs. This year, we are estimating 39%. Our long-term avg is in the 20%'s.

Side note- what's the general rule on including passive income in your savings rate? We sometimes get passive income from a restaurant we invested in, but I don't use it in savings rate calcs.
by Go Blue 99
Fri Feb 17, 2023 1:24 pm
Forum: Personal Consumer Issues
Topic: Have until Dec. to decide on a new 3-row car
Replies: 81
Views: 9613

Re: Have until Dec. to decide on a new 3-row car

My co-worker just researched almost every 3-row SUV out there. He ended up putting in an order for a Telluride X-Pro. He wanted to check out the Grand Highlander, but it won't be here in time for his needs.
by Go Blue 99
Fri Feb 17, 2023 7:23 am
Forum: Personal Finance (Not Investing)
Topic: How badly have you missed your tax owed?
Replies: 87
Views: 8861

Re: How badly have you missed your tax owed?

We had a $57k tax bill last year, including interest and penalties. A business we had a partial ownership in was foreclosed on, so we had to claim that value on our taxes. Not a fun situation.
by Go Blue 99
Sun Feb 05, 2023 11:24 am
Forum: Personal Consumer Issues
Topic: Math worksheets websites
Replies: 1
Views: 402

Re: Math worksheets websites

I really like https://www.k5learning.com/

The sheets are free and I like the variety of topics.
by Go Blue 99
Mon Jan 30, 2023 12:36 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't lifestyle creep be accepted?
Replies: 96
Views: 10516

Re: Shouldn't lifestyle creep be accepted?

We've definitely engaged in lifestyle inflation as our income has risen. I've also found that I spend less time looking for the absolute best deal (I used to live on Slickdeals.net). Like others have stated, if you can save around 1/3rd of gross, you are doing quite well (assuming you aren't aiming to retire very young).

Honestly, my biggest concern with lifestyle inflation is that we are spoiling our kids. We don't spoil them with material items, but we do go on a lot of nice vacations. And we aren't going to stay at a budget motel just because we want to give them a life lesson.
by Go Blue 99
Mon Jan 30, 2023 7:46 am
Forum: Personal Consumer Issues
Topic: Technivorm Moccamaster KBTS coffee machine
Replies: 65
Views: 6272

Re: Technivorm Moccamaster KBTS coffee machine

I'm about to purchase a Moccamaster Cup One (today it's on sale for $216 at Amazon). I normally use a K-cup brewer for speed, but want an option for better coffee when I have more time.