Search found 750 matches

by Go Blue 99
Sun Jun 18, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Building a semi-custom home
Replies: 1
Views: 381

Re: Building a semi-custom home

There have been a few recent topics on this. Here is one: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=220688&p=3401648&hilit=Construction+house#p3400097 We are going through this process right now with a home to be finished in Sept. So far it's been a fun process. Are sure you ...
by Go Blue 99
Sun Jun 18, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 19
Views: 1525

Re: Lg refrigerator vs Samsung refrigerator.

We are also fridge shopping so I've been doing a ton of research on brands. Samsung and LG are highly rated for reliability. Consumer Reports has an LG model as their too fridge and a Samsung as their #2. Yale Appliance Blog also puts high ratings on both. CNET and reviewed.com also love both brands...
by Go Blue 99
Thu Jun 15, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 292

Re: Utah 529 or Vanguard 529

I like Utah because you can create your own allocation using all of their investment options (including vanguard and DFA). So it's a fun 529 plan if you are a slicer and dicer.
by Go Blue 99
Thu Jun 08, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1594

Re: New Construction Buying Advice

Look into a buyers agent that will refund you a portion of their commission. In our city, there is a lot of agent competition specifically for new construction buyers, since there isn't as much effort for agents. There is even one agent who offers a 2.25% commission refund if you buy new constructio...
by Go Blue 99
Sun Jun 04, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 1522

Re: New laptop needed, any ideas?

Laptop deals in the $500 range come up often on the Slickdeals Laptop forum. I'd monitor this site:

https://slickdeals.net/forums/forumdisp ... r=desc&r=1
by Go Blue 99
Sat Jun 03, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 36
Views: 4228

Re: Recommendation of Security Cameras for Exterior of House

I'm moving into a new home in a few months and have been researching security camera options. If you want something highly reliable and with a high picture quality, you'll want to pre-wire. Our builder was charging close to $1500 for that, so we passed. There are a bunch of wi-fi options on the mark...
by Go Blue 99
Fri Jun 02, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How to treat and budget gift money?
Replies: 3
Views: 291

How to treat and budget gift money?

This is a question about how to treat income that is basically gift money. A few years back, my brother-in-law (wife’s brother) took most of his parents’ money and started an LLC. Each family member received an ownership stake in the LLC, with my wife getting 20%. The LLC originally only invested in...
by Go Blue 99
Mon May 29, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: HR Experts- is a PHR/SPHR worth it?
Replies: 7
Views: 585

Re: HR Experts- is a PHR/SPHR worth it?

I asked my wife, who is an HR Director with a PHR. She says the PHR is best for entry level HR workers who don't have a lot of experience. If you have a lot of experience, then it won't be very beneficial. She also says it will have zero effect on your pay.
by Go Blue 99
Tue May 23, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: best for web surfing: trackpoint or touchpad?
Replies: 12
Views: 763

best for web surfing: trackpoint or touchpad?

My personal laptop use consists of 90% web surfing. Even though I’m not a business customer, I’ve always purchased ThinkPads because I love their trackpoint (aka the little red nub) for surfing. I find that using the trackpoint in combination with the physical middle click button right below the key...
by Go Blue 99
Mon May 22, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1156

Re: ebates experiences - what downsides?

Ebates is legit- been using it for years. The only downside I've found is that you have to remember to start at ebates before putting something in your cart.
by Go Blue 99
Fri May 19, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Suggested Reading or Advice for Father-to-be
Replies: 28
Views: 2097

Re: Suggested Reading or Advice for Father-to-be

Congrats! We have our second child on the way next month.

I enjoyed the parenthood books that are geared towards fathers. They were a good mix of humor and information. The ones I read were "The Expectant Father" and "Dad's Pregnant too!".
by Go Blue 99
Mon May 15, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: thoughts on the FP&A (financial analysis) certification?
Replies: 4
Views: 456

thoughts on the FP&A (financial analysis) certification?

Does anyone here work in corporate FP&A (financial planning & analysis)? If so, what are your thoughts on the official FP&A certification that is handled by the Association of Finance Professionals (AFP)? My megacorp has a relationship with AFP, and they are offering free study guides an...
by Go Blue 99
Fri May 12, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4314

Re: Best cities for older tech workers?

There are a multitude of IT jobs in the northern Atlanta suburb of Alpharetta. As long as you are ok with suburban life, it's also a great place to live. So then you wouldn't have to worry about traffic.
by Go Blue 99
Fri May 12, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with new offer Vs. current position
Replies: 12
Views: 1428

Re: Struggling with new offer Vs. current position

I see you didn't mention benefits. How is the vacation time? How is the 401k plan/match and health insurance? Can you telecommute? These would all be vital factors for me.
by Go Blue 99
Thu May 11, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Volvo XC90 vs Acura MDX vs GMC Acadia
Replies: 7
Views: 1158

Re: Volvo XC90 vs Acura MDX vs GMC Acadia

The redesigned XC90 is a beautiful car. I also like that they are fairly rare on the road. I don't know much about Volvo reliability though, so I'd be worried about repair costs. You can never go wrong with an MDX due to quality and reliability, though it won't excite you. My BIL and SIL bought the ...
by Go Blue 99
Thu May 11, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 14100

Re: Most Common Financial Mistakes

Here's one that might be controversial, but I think is accurate. Not making more money. For reasons unknown to me, some of which could be perfectly valid, I see folks that are content with their job, income, and career path (or lack thereof). But some people don't want to make more money by switchi...
by Go Blue 99
Mon May 08, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 22
Views: 2523

Re: Cord Blood Banking

I have a bunch of young doctors in my family and none of them did this for their kids. And obviously they could afford it. So we didn't do it either.

I also know a genetics scientist and he said it's a borderline scam.
by Go Blue 99
Sun May 07, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7710

Re: Stay home with kids?

Tycoon wrote:The choice was easy for us. Parent or $7.25/hr stranger? Parent was the right choice.


That's your choice, but did you really need to put your "holier than thou" spin on it?
by Go Blue 99
Sat May 06, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paying a 1% deposit for a mortgage rate lock?
Replies: 2
Views: 448

Paying a 1% deposit for a mortgage rate lock?

We are moving into a new home in early September, and want to lock in an interest rate. We are getting a Jumbo 30 year fixed. Our builder's preferred lender is Wells Fargo, and we are getting some closing cost credits as well as a credit towards a rate lock. They are offering a 5 month lock for $120...
by Go Blue 99
Fri May 05, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Atlanta teppanyaki
Replies: 9
Views: 1080

Re: Atlanta teppanyaki

There aren't really any standouts in the metro Atlanta teppanyaki scene. I'd just pick what is convenient for you.
by Go Blue 99
Tue May 02, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7640

Re: Favorite Financial Indulgences

Dinners at fancy restaurants for special occasions.
Upgrading to an oceanfront hotel room when traveling to a beach.
We don’t buy cars often, but when we do, we add every possible option.
by Go Blue 99
Mon May 01, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4351

Re: Buying couches the Boglehead way

Sofas get a lot of use in our household, so we are fine spending more for a higher quality item (we buy cheaper stuff for guest bedrooms, dining room, office, etc). Think about cost per use. We bought our current sofa from Haverty’s and it’s holding up well after 9 years. We are moving into a new ho...
by Go Blue 99
Wed Apr 26, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 20467

Re: Any regrets living a frugal life for high income/high networth individuals?

I wouldn’t call ourselves frugal. Compared to the typical Boglehead, we probably spend a lot. But our key is that we LBYM. We’ve also never spent a dime of any unexpected bonus, overtime, side business income, etc. That money just goes into investments or savings acct. I get enjoyment from looking a...
by Go Blue 99
Sun Apr 23, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 3549

Re: how much house can we afford? Boston area.

am wrote:Assuming down payment of 20%, I'd go no more than base salary x 2 = mortgage debt.


These types of housing ratios don't work in HCOL areas.
by Go Blue 99
Tue Apr 18, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 8399

Re: Mens Blue Jeans - What are we buying now?!

I don’t like rough jeans, so I tend to buy jeans from premium denim makers that have cotton/lycra blends. These blends make the jeans feel really soft- it’s like you are wearing comfortable pajamas. Contrary to popular belief, premium denim isn’t all just skinny fits. You just need to look for each ...
by Go Blue 99
Tue Apr 18, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2380

Re: Week in San Diego - What to do?

We just came back from 5 wonderful days in San Diego. One thing we are really happy we did was staying in La Jolla, instead of in downtown San Diego. Waking up with an oceanfront view was amazing, and just walking around the shore area for meals was so scenic and relaxing. Gaslamp district in the ci...
by Go Blue 99
Sat Apr 15, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1561

Re: radio alarm clock that projects the time on the wall or ceiling

We splurged on one of the higher-end ceiling Sony clocks a few years ago. I know this probably sounds silly, but my wife and I both find it to be a great benefit. We have a toddler and often wake up in the middle of the night. This clock allows us to just glance up and see the time. The ceiling ligh...
by Go Blue 99
Sat Apr 15, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7588

Re: leaving early from work

My megacorp workplace allows shifting. The standard day is 9-6, but people with young kids work 8-5. My direct manager is completely laid back about hours, but our group manager is a big clock-watcher and will make comments about hours. He's the type to think everyone just goofs off if he isn't arou...
by Go Blue 99
Fri Apr 14, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Same branded components for home theater?
Replies: 35
Views: 2179

Re: Same branded components for home theater?

From what I've read, having the same brand of speakers is beneficial in a home theater set-up. But having a different receiver, TV, blu-ray player, etc does not matter at all.

avsforums.com is a great resource for audio discussion if you want to get really detailed.
by Go Blue 99
Fri Apr 14, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 4265

Re: Will - what is complicated?

The topic of attorneys vs automated will software has come up many times on Bogleheads over the years. Though Bogleheads tend to be a frugal group, the overwhelming advice is that this is an area you don't want to cheapen out on.
by Go Blue 99
Fri Apr 14, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: New Home - Design Center Options - making smart choices
Replies: 30
Views: 2565

Re: New Home - Design Center Options - making smart choices

We are in the process of building a new home with a tract builder. We just went through the design center process (three different 3 hour appointments at their huge design center). Obviously the builder is charging a big premium for upgrades- our agent was shocked at some of the prices they were cha...
by Go Blue 99
Sat Apr 01, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5022

Re: Is Craigslist still the main site to sell stuff locally?

We use NextDoor for giving away stuff we don't want to keep. I'm still okay using Craigslist for selling bigger items. Our local police station has a "safe selling space", so it's easy to meet people there to make the transaction.
by Go Blue 99
Sat Apr 01, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 1481

Re: At what age were your kids potty trained?

Our kid just turned 3 and she is potty-trained for the most part (will have an accident at daycare 2 times a month). We still put pull-ups on her at night. Daycare was great in helping her get potty-trained.
by Go Blue 99
Mon Mar 27, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 3354

Re: thoughts on in-ceiling speakers?

en the option, before the sheet rock goes up, think hard about wiring every room for Ethernet, perhaps with home runs back to a data closet or even to the garage. If you contemplate some sort of streaming box (Roku, smart TV, whatever), an Ethernet drop at the TV location will come in handy. We are...
by Go Blue 99
Sun Mar 26, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 3354

Re: thoughts on in-ceiling speakers?

en the option, before the sheet rock goes up, think hard about wiring every room for Ethernet, perhaps with home runs back to a data closet or even to the garage. If you contemplate some sort of streaming box (Roku, smart TV, whatever), an Ethernet drop at the TV location will come in handy. We are...
by Go Blue 99
Sat Mar 25, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 3354

Re: thoughts on in-ceiling speakers?

Similar situation with us Go Blue 99. Finished the basement and wife said I could do WHATEVER I wanted...as long as she SAW NO SPEAKERS OR AUDIO COMPONENTS EVER AGAIN!!! lol! In the main basement area area, we have a typical flat screen TV with all speakers in ceiling. They are Klipsch models. R/C/...
by Go Blue 99
Fri Mar 24, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 3354

thoughts on in-ceiling speakers?

We are building a house with a tract builder, and need to decide on pre-wiring before drywall goes up. I love having 5.1 surround sound, and want to install that set-up in the family room. Due to room layout and WAF (wife acceptance factor), in-ceiling speakers are going to be my only option. Even t...
by Go Blue 99
Fri Mar 24, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: What is your preferred Weather App?
Replies: 55
Views: 3732

Re: What is your preferred Weather App?

Weather Underground.
by Go Blue 99
Sun Mar 19, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 19546

Re: gratuitous homeownership items

Our useless features: - big tub in master bath. Never used in 9 years - fireplace in master bedroom. Never used in 9 years Things we love: - master-sized guest bedroom downstairs. Very useful for all the guests we have had over the years. - family room layout that allowed us to put our tv on a stand...
by Go Blue 99
Sat Mar 18, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase and Sale of home: pearls of advice
Replies: 29
Views: 2658

Re: Purchase and Sale of home: pearls of advice

Find a buyers agent who will refund part of their commission to you. We have done this in the past and it's great. Plus the IRS has ruled the commission to be tax-free.
by Go Blue 99
Thu Mar 02, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 8010

Re: Do Boglehead DIY or Pay a Professional?

We outsource pretty much everything except house cleaning. We have no skill or interest at DIY repairs/projects.
by Go Blue 99
Sat Feb 25, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 5708

Re: Does anyone else have (possibly too much) fun dealing with finances?

When our finances are doing well (gainfully employed and no market crash), I find personal finance to be highly entertaining. I enjoy tinkering with my various financial spreadsheets and logging into mint.com. I love being the CFO of our household.
by Go Blue 99
Thu Feb 16, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need an agent to buy a home?
Replies: 18
Views: 1426

Re: Do we need an agent to buy a home?

Are commission rebates legal in your state? If so, find an agent that gives back a refund. We did this with our current house (our agent kept 1% and refunded 2% back to us). We are also currently house hunting and using a full-service agent that refunds 1.5%. The IRS has also ruled that a commission...
by Go Blue 99
Fri Feb 03, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Lexus PreCollision Safety System (auto braking)
Replies: 35
Views: 2987

Re: Lexus PreCollision Safety System (auto braking)

I love gadgets and options on a car, and I wish I had pre-collision braking on my car. That being said, I think trading it in after 1 year is a little extreme, just to get that one feature. Can you hold out a few years until Lexus does the mid-cycle refresh on the RX? At that point, you would likely...
by Go Blue 99
Thu Feb 02, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Afford A $550k House - Your Opinion?
Replies: 29
Views: 4143

Re: Can We Afford A $550k House - Your Opinion?

With your salary, of course you can afford the house. And I totally understand wanting to move up with your family size. My concerns would be: - you have a low amount of cash, so assuming you put 20% down, you’ll need to sell your current house first. In this hot sellers’ market, the seller would li...
by Go Blue 99
Thu Jan 05, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7001

Re: spousal disagreement over how much house to buy

I see this thread getting locked anytime now.... nothing more to contribute and it is clear OP is not the one having the say in this partnership, as per his last post the wife is the breadwinner and it is clear where this is going. EDIT: Also, I found this from OPs previous home purchase. I guess y...
by Go Blue 99
Thu Jan 05, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7001

Re: spousal disagreement over how much house to buy

FelixTheCat wrote:
Go Blue 99 wrote:Is this a situation where "happy wife, happy life" applies?

Is the happy wife contributing financially to the mortgage


Yes she is actually the breadwinner :happy
by Go Blue 99
Wed Jan 04, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7001

Re: spousal disagreement over how much house to buy

Is the 15 minutes each way, or round trip? Sounds minor, but 30 minutes a day for each of you is a much bigger trade-off than 15 minutes. If it is 15 minutes round trip, than consider the farther-out house. I just checked google maps traffic. For me, the farther-out house would increase commute fro...
by Go Blue 99
Wed Jan 04, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7001

spousal disagreement over how much house to buy

Has anyone here disagreed with your spouse over how much money to spend on a house? How did it turn out? During our current house search, I've placed more importance on location. I like access to highways, major job centers, dining, retail, etc. My wife has placed more importance on new construction...
by Go Blue 99
Thu Dec 22, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 4639

Re: Afraid of retirement??

My parents are both retiring in 2017, and I think they are both scared of retirement. They both love their jobs and love to work. They will come back from a 3-day weekend and talk about how bored they were. Their problem is they have few hobbies- they don’t like to travel and don’t eat out. Their ma...

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