Search found 1152 matches

by DTSC
Sat Oct 14, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 70
Views: 4139

Re: What do you buy in Asian food stores?

Being Asian American, I just buy "food".

Live lobsters at $5.99 per pound at H-mart, when they are on sale.
by DTSC
Tue Oct 03, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Two Nights in Quebec City - Must See Suggestions, anyone?
Replies: 16
Views: 1204

Re: Two Nights in Quebec City - Must See Suggestions, anyone?

tennisplyr wrote:
Tue Oct 03, 2017 7:14 am
Lots of great French food, hard to go wrong.
The baguettes are to die for. I haven't been able to find anything close in the US. Happiness is a fresh out of the oven baguette.
by DTSC
Tue Oct 03, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6008

Re: Are credit cards rewards worth it?

Absolutely! The key thing is to apply for new cards every 90 days to get the significant sign up bonuses. If you get 50,000 miles for spending $3000 in 3 months, that's 16% cash back (assuming 1 point = $0.01). What if you got 10-20% back on all your expenses each year? Heck, I even pay my property ...
by DTSC
Tue Oct 03, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1566

Re: Travel camera reviews of what you own and why?

I own a Nikon D5100

I actually *use* my iPhone.

It's often just too inconvenient to lug around a somewhat fragile 1 pound device, even if it does take better pictures. Not to mention the pain of downloading the pictures, etc.
by DTSC
Thu Sep 28, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 2956

Re: Places to see in Chicago

I hope you had a good time. Come back here soon!
by DTSC
Thu Sep 21, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 10818

Re: The Magic of Savings Rate

+1 Glad I'm not the only one to have noticed this. Discussions like this and the low income Bogleheads thread really display the inherent differences between the Boglehead community and the MMM community views. It seems Bogleheads wish to save enough to be FI (15%), by lowering investment expenses,...
by DTSC
Thu Sep 14, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 3929

Re: Advice Badly Needed---Meeting with Financial Advisor

The plan that this gentlemen came back with involved disability insurance, whole life insurance, and an IRA. Of course he had very convincing reasons for why I should have all of these things. I told him, being that I have no dependents or spouse, and that I'm relatively healthy, I didn't really th...
by DTSC
Fri Sep 08, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 2956

Re: Places to see in Chicago

This is a little different, but we had a great time, and a full belly too

http://www.chefdrivenfoodtours.com/
by DTSC
Wed Jul 05, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 12576

Re: Seeking advice on 1.2m house purchase

TuesdayGal wrote:I am considering a purchase of a 1.2M house (cringing), single (ie. no safety net) )
This says it all. Trust your own instincts.
by DTSC
Thu Jun 22, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4614

Re: Good camera - new baby coming

My experience is that size matters. You'll have enough to carry around. After your child outgrows the diaper bag, dragging a DSLR around is just too much of a pain. Smartphones are readily available and do a good job, but don't have a good enough flash for indoor use. Therefore, if I had to do it ov...
by DTSC
Sun Jun 04, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 80
Views: 8726

Re: Teachers: what are your best personal finance tips?

I'm not a teacher, but heard a great interview of the author of this website. http://www.millionaireeducator.com/
by DTSC
Tue May 23, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Heir died before receiving full share due
Replies: 11
Views: 3088

Re: Heir died before receiving full share due

On a practical level, what's the chance that an illiterate non-English speaking person in the Phillipines will contest whatever you do?

Just do what would be the most fair thing you would do here in the U.S.
by DTSC
Sun May 21, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 2306

Re: Vehicle recommendation for large family

Does your Odyssey have towing capability? That might be to cheapest way to go, if you more cargo space only on road trips.
by DTSC
Mon May 15, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Buying Major Appliances Online
Replies: 20
Views: 2246

Re: Buying Major Appliances Online

Try abt.com

Don't take my word for it, rated #1 about 2 years ago with Consumer Reports. We've bought 6 items from them over the years.
by DTSC
Sun May 14, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 10624

Re: Was there a $$$ number after which things got easier?

It got a lot easier after my mortgage = $0
by DTSC
Thu May 11, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 20443

Re: Why save so much for when you're old?

Thanks for all the feedback. It seems like my perspective of middle/old age life is grimmer than what it is in reality. It's great to hear that people are able to find a balance and I'm super glad I'm starting to save already. Cheers. Getting older SUCKS! Except the alternative (dying young) is eve...
by DTSC
Mon May 08, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 8634

Re: Stay home with kids?

Pajamas wrote:
DTSC wrote:I'd have to go on Prozac or drink excessively.


Por que no los dos? :beer


Will gain too much weight!
by DTSC
Mon May 08, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum
Replies: 37
Views: 9751

Re: Hit 2M Net worth - Wanted to pass my gratitude to all wonderful people in this forum

Congrats!

$1M to $2M in just over 3 years! Very impressive!

Is it true that the first $1M is the hardest?
by DTSC
Sat May 06, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 8634

Re: Stay home with kids?

I've thought about this issue a lot lately. I don't have the amount of money you have, but I have accrued enough to work part time or retire frugally. I generally like my job, but it can be stressful and demanding. After some thought, I realized that I just don't have the patience and overall temper...
by DTSC
Thu May 04, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3732

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I don't have any experience with your wife's field, but many employers will cover educational expenses. Perhaps there is an office near the school that would accept her part-time, pay more than what her financial aid is covering, and keep her on for X years afterward in return for paying for the cl...
by DTSC
Thu May 04, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Two night trip
Replies: 9
Views: 983

Re: Two night trip

Have you been to Madison? Can do outdoorsy things and still have fine dining, etc
by DTSC
Thu May 04, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3732

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

What field is your wife planning to get her PhD in? Attempting a non-fully funded PhD is generally not viewed as a good idea. Indeed, its generally a horrible financial deal. And WHY is she getting a PhD? Career advancement? What field? What are the alternatives? Would a higher GRE score help her g...
by DTSC
Thu May 04, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3732

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

Home equity loan might be a good option. You can deduct the interest. Also, see if your state has a 529 program. Sometimes you can cycle the home equity money through as a contribution and get tax benefits. For example, in Illinois, one can deduct up to $10,000 ($20,000 per couple) and save 3.75% of...
by DTSC
Wed May 03, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 21230

Re: Buying a luxury car (how dumb would it be to do this?)

Can you afford it? - Yes But if you have to ask "how dumb would it be to do this?" then you probably *shouldn't* Unless your university lets your children go there for free, $100,000 for college for 4 kids just isn't enough. Barely enough for 1 kid. And as you may well know already, you ch...
by DTSC
Wed May 03, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: My dad needs my help.
Replies: 50
Views: 5430

Re: My dad needs my help.

How about if you just leave things as they are for another 6-12 months, until his state of mind improves? Whatever you decide to do will still need his final approval, I suspect. Many here and elsewhere caution against making big decisions soon after a major life changing event. A divorce certainly ...
by DTSC
Tue May 02, 2017 8:51 am
Forum: Personal Finance (Not Investing)
Topic: I'm kinda sorta in the 2-comma club
Replies: 23
Views: 4011

Re: I'm kinda sorta in the 2-comma club

Congrats!

Report back here after $2M and let us know if the first million really is the hardest.
by DTSC
Thu Apr 20, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41684

Re: Larry Swedroe says "Goodby."

Thank you for all you've done here. I will miss your contributions. Happy Retirement!
by DTSC
Sat Apr 15, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: How does family of 4 spend $1,500/mo on groceries?
Replies: 25
Views: 2183

Re: How does family of 4 spend $1,500/mo on groceries?

Our family of 2 adults and 3 children spends between $500-$600 per month. However, if we shopped a Whole Foods (which is actually the grocery store closest to our home) we could easily spend $1,500 per month. I suspect they by a lot of name brand prepared foods. Maybe a lot of "organic" fo...
by DTSC
Sat Apr 15, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?
Replies: 11
Views: 792

Re: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?

You might have better luck if you go to a local brick-and-mortar bank and open an IRA *right now*
by DTSC
Thu Apr 13, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where Do I Find a Financial Advisor?
Replies: 4
Views: 518

Re: Where Do I Find a Financial Advisor?

A better question is: Do I need a financial advisor?

Many Bogleheads here are DIYer's. Why don't you submit your portfolio questions here?
by DTSC
Thu Apr 13, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Please help me understand IRA
Replies: 8
Views: 793

Re: Please help me understand IRA

If the tax program says you can make a traditional IRA contribution, but it would not reduce your taxes, it most likely means your income is too high, especially if you contribute to a retirement plan at work see: https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-...
by DTSC
Wed Apr 12, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me understand IRA
Replies: 8
Views: 793

Re: Please help me understand IRA

If the tax program says you can make a traditional IRA contribution, but it would not reduce your taxes, it most likely means your income is too high, especially if you contribute to a retirement plan at work see: https://www.irs.gov/retirement-plans/plan-participant-employee/2016-ira-contribution-a...
by DTSC
Thu Apr 06, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7365

Re: Secretly entered two comma club

Congrats on 2 comma and 2 kids! I am forever indebted to you as you helped me out as a newbie 9 years ago. Can I now give you a little suggestion? Don't watch your money so tightly! You are young (OK, at least your wife is young enough to reproduce) and you already have enough assets that many would...
by DTSC
Mon Mar 20, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to find and interview my new Advisor ?
Replies: 15
Views: 1369

Re: How to find and interview my new Advisor ?

How to find your new advisor?

Look in the mirror!
by DTSC
Wed Mar 08, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: How to Die
Replies: 167
Views: 25228

Re: How to Die

This may not come up often in the ER, but the issue of feeding tubes is one that can tear up families. Dementia and stroke patients sometimes forget how to swallow. If fed by hand, they tend to aspirate food, which can cause pneumonia. Should they have a tube? It could prolong life for a significan...
by DTSC
Thu Mar 02, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 18299

Re: Possibly Financially Independent and Feeling Miserable

I know that your question was about worrying less. But I am about to propose you worry a bit more. You have now mentioned that you would like to retire very early. I think you need to spend more time considering health insurance. Before the ACA, converting my employer health insurance policy into a...
by DTSC
Wed Mar 01, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 18299

Re: Possibly Financially Independent and Feeling Miserable

I simply cannot stop thinking about money, about our savings rate, about whether we have enough, about what else I could be doing better, and so on. I can't tell you how many times I spend each day--whether at work or at home--on a calculator, constantly dividing arbitrary numbers into our net wort...
by DTSC
Tue Feb 28, 2017 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my Savings?
Replies: 13
Views: 2411

Re: What to do with my Savings?

any more suggestions guys? In addition to reading "If You Can" by William Bernstein, young people should read Mr. Money Mustache. You should read about his extreme early retirement strategies (he retired at 31). Even if you follow him just halfway, it could mean that you can retire in you...
by DTSC
Mon Feb 27, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k options - available investments
Replies: 10
Views: 1312

Re: Solo 401k options - available investments

In case you didn't notice the last bullet from my previous post, I will repeat it. Fidelity normally requires check for contribution, but you can open cash management account, do ACH there, then call and do contribution by phone. No direct online contribution. Thanks for the tip! I'll do that and s...
by DTSC
Mon Feb 27, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k options - available investments
Replies: 10
Views: 1312

Re: Solo 401k options - available investments

My wife and I both use Fidelity for our solo 401K because they allow rollovers into the plan (so we can do backdoor Roth's) We are very happy with the customer service. The only downside is that we have to mail in a paper check to fund the account (no electronic transfers) but it's not a huge deal t...
by DTSC
Wed Feb 22, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 4688

Re: Retirement savings: Lots of $, job prospects weak

You have enough to retire if you live frugally!

Check out Mr. Money Moustache's blog. http://www.mrmoneymustache.com/
by DTSC
Tue Feb 21, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: How to stop AMEX card offers being mailed to me?
Replies: 11
Views: 1283

Re: How to stop AMEX card offers being mailed to me?

If you travel or want to travel, this is a great credit card to get points for airfare. Getting credit card sign up bonuses to redeem for airline and hotel points is known to some as "travel hacking" or "miles and points" hobby. This "hobby" has allowed my family to get...
by DTSC
Tue Feb 21, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Garage Floor Covering - Need Advice
Replies: 20
Views: 1615

Re: Garage Floor Covering - Need Advice

I covered our garage floor with an epoxy sealant. It has been six years now, and the floor is still in great shape with no chips, cracks, or peeling. We live in a fairly harsh climate with lots of snow, salt, gravel and road grime. When I spray out the garage once a year, it looks like "new&qu...
by DTSC
Sat Feb 18, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 32
Views: 2532

Re: Induction cooktop impressions?

One negative is that our electric bill did go up substantially, maybe $30 per month. We switch from the gas range in the oven to electric induction and electric oven. In our region (Chicagoland) gas is definitely cheaper then electricity Interesting. We're starting from a traditional (Calrod resist...
by DTSC
Sat Feb 18, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 32
Views: 2532

Re: Induction cooktop impressions?

One negative is that our electric bill did go up substantially, maybe $30 per month. We switch from the gas range in the oven to electric induction and electric oven. In our region (Chicagoland) gas is definitely cheaper then electricity
by DTSC
Sat Feb 18, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 32
Views: 2532

Re: Induction cooktop impressions?

TheTimeLord wrote:Really want want. Still trying to convince my DW.


Buy a counter top one and try it out!
by DTSC
Sat Feb 18, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 32
Views: 2532

Re: Induction cooktop impressions?

We have a 4 burner Whirlpool induction range with a double oven and absolutely love it. Very easy clean up with a smooth glass top It is wicked fast; we can boil 2 quarts of tap water in about 2 minutes. If you currently have a gas range, you might need to get an electrician to put in a 220V outlet....
by DTSC
Fri Feb 10, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 19233

Re: Why do you go to restaurants?

I go because I enjoy good food and it's fun!

I also go to eat foods which I don't know how to make (such as ethnic foods) or foods which are too much of a hassle to make at home (such as deep fried foods).
by DTSC
Thu Feb 09, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: How to handle overcontributing to Solo 401K?
Replies: 17
Views: 1297

Re: How to handle overcontributing to Solo 401K?

For some reason, the system won't let me send a PM - it remains stuck in the outbox. Anyway, the letter they instructed me to write looks something like this: RE: PROFIT SHARING KEOGH ACCOUNT XXXXX Fidelity Investments Attn: Retirement Distributions PO Box 770001 Cincinnati, OH 45277-0035 January 21...