Search found 695 matches

by Go Blue 99
Sun Dec 04, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Any particular oven toaster you preffer????
Replies: 23
Views: 1582

Re: Any particular oven toaster you preffer????

I've had one of these Panasonic toasters for over 10 years. It uses a special technology that toasts bread very quickly. I've had a few friends order this when they see how well ours works. It's not cheap but it's worth the splurge IMO. You can see the stellar reviews at Amazon for it. https://smile...
by Go Blue 99
Thu Oct 27, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Worth Keeping AMEX Gold Delta Skymiles CC?
Replies: 13
Views: 1007

Re: Worth Keeping AMEX Gold Delta Skymiles CC?

When the Gold card eliminated the $99 companion certificate, we upgraded our cards to Platinum. Yes, the annual fee jumped to $195 but now we get a free companion certificate.
by Go Blue 99
Thu Oct 27, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11720

Re: Chase Sapphire Reserve

I'm a big fan of this card, and have been spreading its virtues to friends that travel or eat out often.
by Go Blue 99
Tue Oct 18, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 25
Views: 2007

Re: What iPhone podcast application do you use?

I tried a bunch and like PodCruncher the best so far.
by Go Blue 99
Fri Oct 14, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 6688

Re: What podcasts do you listen to?

- Jill on Money
- Dave Ramsey
- How I Built This (business)
- Paychecks & Balances (career advice)
- MGoBlog (UM football)
- The Solid Verbal (college football)
- Bill Simmons (sports & culture)
- Freakonomics Radio
- Gastropod (for foodies)
by Go Blue 99
Sat Oct 08, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 109
Views: 13426

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

I'm a junior associate at a large law firm and my DW is a teacher at a (ritzy) private school. We're both pretty naturally frugal and are driven to be even more so at the moment as we push to pay off my law school loans and build up a nest egg. ... Coworkers will often make comments about how we're...
by Go Blue 99
Sat Oct 08, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 54
Views: 9088

Re: Aging and Spending

My extremely frugal parents are in their mid 60s and retiring soon. They are actually spending a little more, knowing their finances are very good right now. For example, my dad bought a Raymond Weil watch (retails for $1k but we found a deal for $299). That is something they never would have done n...
by Go Blue 99
Fri Oct 07, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Concurrently buy/sell house
Replies: 21
Views: 1983

Re: Concurrently buy/sell house

We are in the early stages of house hunting (going from townhome to SFH). We considered all of the options and decided to hold existing and new mortgage at the same time (lendor did qualify us for both). We are in a hot market and didn’t want to be limited to what is available to buy when we decide ...
by Go Blue 99
Fri Sep 30, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: What you guys do with the bonus
Replies: 59
Views: 4989

Re: What you guys do with the bonus

Our annual bonuses go into our budget. So we don't treat it differently than regular income.
by Go Blue 99
Wed Sep 28, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3022

Re: How closely do you check your credit card statements?

Mine go into mint.com and I check transactions at least once a week. I don't remember any incidents where I was overcharged.
by Go Blue 99
Sat Sep 10, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 130
Views: 9080

Re: IWC Watch, any thoughts? [Wristwatch brand]

Related good read from GQ about high end watches. "Yes there is a male engagement ring".

http://www.gq.com/story/male-engagement-ring-rolex
by Go Blue 99
Tue Aug 16, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Has your workplace transitioned to "open/collaborative space?"
Replies: 85
Views: 8168

Re: Has your workplace transitioned to "open/collaborative space?"

We are moving to an open plan in a few weeks. We've seen the set-up and it looks miserable. The desks are quite small with just a small cabinet for storage. There is no divider at all between you and the person on each side of you, so you get zero privacy. There is no place to hang your jacket and y...
by Go Blue 99
Fri Aug 12, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 10873

Re: How much vacation time do you get at work?

It’s interesting to read these responses. It sounds like most of us have generous time off policies.
by Go Blue 99
Thu Aug 11, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 10873

How much vacation time do you get at work?

How much paid time off (vacation/personal/sick) do you receive at your company? Do you typically take all of your allotted vacation time each year?
by Go Blue 99
Wed Aug 10, 2016 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Parents TOO frugal - leave it be???
Replies: 34
Views: 4143

Re: Parents TOO frugal - leave it be???

My parents are similar. They are in their mid 60s and still happily working (though set to retire next year). They aren't wealthy or anything but comfortable with roughly $1m in retirement assets. Their SS and pensions should cover all of their monthly expenses in retirement. They are super frugal.....
by Go Blue 99
Sun Aug 07, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead save for child's education?
Replies: 144
Views: 11295

Re: How does a Boglehead save for child's education?

KlangFool, I'm not looking for a fight, and perhaps some of your perceived harshness is not intended, but it always sounds to me as though you think that your approach is the only appropriate one and that you are the dispenser of gospel. Maybe you could dial it back a bit. You can't have a 529 thre...
by Go Blue 99
Sat Aug 06, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice please- look for a new job?
Replies: 13
Views: 1684

Re: Career advice please- look for a new job?

One final note- we've been told our jobs are likely being relocated out-of-state in the next 18-36 months. If/when this happens, I would turn down the move and be eligible for roughly $30k in severance pay. But I realize looking for a new job while unemployed would be tougher and more stressful tha...
by Go Blue 99
Fri Aug 05, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Career advice please- look for a new job?
Replies: 13
Views: 1684

Career advice please- look for a new job?

We've had some recent changes at work that have lowered my employee morale, and I am considering looking for a new job. But I'd like to get an outsider's view of my current job, and whether or not I'm merely suffering from "grass is greener" syndrome. Here is info on my background and the ...
by Go Blue 99
Wed Jul 27, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: What is your plan if you lose job tomorrow ??
Replies: 73
Views: 6433

Re: What is your plan if you loose job tomorrow ??

Elsebet wrote:I'm 39 and at least 16 years away from being able to retire. If it happened tomorrow I'd panic a bit since my husband was laid off in March and still hasn't found work.


Just curious, what is his career and background?
by Go Blue 99
Mon Jul 25, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: Seattle trip at end of May - Any tips?
Replies: 33
Views: 3254

Re: Seattle trip at end of May - Any tips?

We just came back from a 4 night vacation to Seattle (and 3 nights in Portland). We had an amazing time. There are great places to eat at Pike Place, it's not just a tourist trap. And an entire restaurant dedicated to ginger beer (RGB)? How cool is that. And weather was insanely good. Low 70s with n...
by Go Blue 99
Sun Jul 10, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 25585

Re: Where were you financially when you were at 30?

At 30 I had just finished b-school and was engaged. Was making $55k with about $100k in retirement accts, very little cash savings, and about $38k in student and auto loans.

So total net worth was less than $75k. The following decade was very good to us though financially.
by Go Blue 99
Wed Jul 06, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Experience with AT&T U-verse?
Replies: 19
Views: 1650

Re: Experience with AT&T U-verse?

We have had uverse internet for many years. When your I contract runs out, you can call and get a 50% reduction if you ask enough times. You do have to sign another one yr contract though.

In terms of speed, it's decent. Google fiber is coming to our subdivision so we will move to that.
by Go Blue 99
Sat Jul 02, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 44
Views: 5387

Re: Fidelity 2% CC or Citi double cash card?

We recently obtained the Citi Double Cash Card as our new primary card. A couple of minor complaints: - the card itself is thin and flimsy. it feels cheap - since the numbers are on the back and not raised, it won't work with iOS apps that allow you to scan your card instead of having to punch in th...
by Go Blue 99
Wed Jun 29, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Why is everyone up in arms about Costco's credit transition?
Replies: 65
Views: 5719

Re: Why is everyone up in arms about Costco's credit transition?

The Costco name draws lots of page views online, so the media has incentive to write about them. Same reason why you see so many articles about Chipotle.
by Go Blue 99
Tue Jun 28, 2016 11:45 am
Forum: Personal Consumer Issues
Topic: DirecTV/AT&T Merger - The Kiss of Death of a Once Good Company
Replies: 34
Views: 3678

Re: DirecTV/AT&T Merger - The Kiss of Death of a Once Good Company

This thread title is a little over dramatic, no?

The fact is, there will always be people who have bad experiences with a given company, no matter what that company's reputation is.
by Go Blue 99
Thu Jun 23, 2016 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 93
Views: 16960

Re: Capital One 360 New Money Market Account, 1% on over 10k

FYI Mint.com is finally picking up the MM account (at least when I logged in this morning).
by Go Blue 99
Tue May 24, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 5608

Re: How much do you spend on trips/vacations?

We've done about 5-7% of gross towards trips & vacations. We'd do more if we had the chance- our limiting factor is time off from work, not money.
by Go Blue 99
Sat May 07, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: Has your workplace transitioned to "open/collaborative space?"
Replies: 85
Views: 8168

Re: Has your workplace transitioned to "open/collaborative space?"

Our megacorp is moving to this concept by early fall. Everyone here is dreading it. I assume there will be no more quick surfing of the web at work either. I'll be longing for the days of cubicle farms.
by Go Blue 99
Sat May 07, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How Much House
Replies: 64
Views: 7013

Re: How Much House

We bought a townhouse 8 yrs ago at 3.3x income. Now that is down to 1.6x. But we are house hunting next year so that will increase.
by Go Blue 99
Sun May 01, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 65
Views: 6488

Re: Couples: Are you and your significant other on the same page financially?

My wife doesn't do a lot of spending, but when she does she is typically an impulsive buyer. I spend more but carefully research items for months, and always wait for a deal.

The important thing for our marriage is that we both believe in a balance of enjoying life now and saving for future.
by Go Blue 99
Tue Apr 26, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Have any of you overextended on housing? What were your experiences?
Replies: 42
Views: 4369

Re: Have any of you overextended on housing? What were your experiences?

We overextended on our townhouse purchase. When we bought mortgage was about 40% of net income. But we were early in our careers so expected increases. We have since doubled our income, and refi'd to a much lower payment. But even at 40%, we were not stressed. We were still able to save, go on nice ...
by Go Blue 99
Fri Apr 22, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 11546

Re: Any stay at home parents regret the decision?

Both my wives were stay at home. No regrets. We thought it was important for the children to be raised by their parents and never considered becoming a two income family. The only exception was when I had custody between marriages and had to rely on nursery school and sitters while I was at work. A...
by Go Blue 99
Fri Apr 22, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Covington, GA Job
Replies: 5
Views: 802

Re: Covington, GA Job

Yep definitely post on City Data. Great forum for asking questions like this.
by Go Blue 99
Fri Apr 08, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2756

Re: Stay in city or move out to suburbs?

You love where you're at now. The elementary school is good. A lot of things can change between now and middle school. The march towards gentrification that's happening in our cities is likely to continue, and the middle school may not be as bad in ten years. The second thing is that if you're look...
by Go Blue 99
Thu Apr 07, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2756

Stay in city or move out to suburbs?

We are a married couple with a 2 year old and plans for another child. We currently own a townhouse in a city neighborhood. We are now considering buying a single family house, as we would like more space. We can also financially afford a house now, which we weren’t able to do when we bought the tow...
by Go Blue 99
Mon Apr 04, 2016 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much house? (New England Market)
Replies: 18
Views: 1763

Re: How much house? (New England Market)

I grew up in the Boston suburbs so know the pain of the housing search there. Personally, I think 25% of gross is too high when you consider you’ll have expenses for 2 kids. But, you say that 25% doesn’t include your huge bonus. And you say you have solid potential career growth. If you are confiden...
by Go Blue 99
Fri Apr 01, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 5173

Re: do you do airbnb ??

We have used VRBO for many vacations, including Orlando, Myrtle Beach, Paris, and Maui. Have had great experiences, especially in Paris and Maui. Those are expensive areas and we stayed in awesome condos for cheap. I only rent from people with great reviews.
by Go Blue 99
Tue Mar 29, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 93
Views: 16960

Re: Capital One 360 New Money Market Account, 1% on over 10k

Anyone have luck with Mint.com picking up the new MM account?
by Go Blue 99
Mon Mar 28, 2016 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: Best & Worst Financial Decisions?
Replies: 92
Views: 9401

Re: Best & Worst Financial Decisions?

Best: listening to my uncle about Vanguard when I was 23. That led me to the original Vanguard Diehards message board. Worst: Wish we had splurged on a house instead of townhouse when we bought. It would initially be totally out of our price range, but we didn't know we would eventually double our i...
by Go Blue 99
Mon Mar 28, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 4428

Re: Your fav [US domestic] airline - as far as flying experience?

Delta is our favorite. They fly non-stop to basically every major city, so we never have to book layover flights. They also have more flights available than Southwest, so we get to choose times that are convenient for us. And we don't have to pay extra for seat selection. I always look at Southwest ...
by Go Blue 99
Sun Mar 27, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 6538

Re: Europe Trip in August

We were planning on doing a family trip to Amsterdam and maybe Brussels in July. We were close to booking, but decided to cancel the trip. We'll have small children with us and a few of the mothers in the group veto'd the Europe idea.
by Go Blue 99
Thu Mar 24, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 29188

Re: Costco AMEX Transition - Costco has no answers

The new reward % are nice, but I don't care for the strict redemption policy.
by Go Blue 99
Wed Mar 23, 2016 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 93
Views: 16960

Re: Capital One 360 New Money Market Account, 1% on over 10k

Thanks for the heads up OP. The only negative I see is that you can't have sub-accounts like with Savings, which is not a big deal.
by Go Blue 99
Wed Mar 23, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Financially, how have you done/doing vs. your parents?
Replies: 134
Views: 12222

Re: Financially, how have you done/doing vs. your parents?

I’m Gen-X and we are doing much better than my parents at the same age. But that’s not surprising. They were poor immigrants who never had a lot of money until late in their careers. We lived in a roach-infested apartment in the city when I was very young. Even when we moved out to the suburbs, they...
by Go Blue 99
Sun Mar 20, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 9878

Re: Millionaire Next Door and Budgeting

We do an annual budget, but we also track it monthly. Our income has gone up a large amount since we started budgeting, but I still enjoy tracking spending.
by Go Blue 99
Thu Mar 10, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: What are you frugal with, what are you not, but still buy?
Replies: 53
Views: 5348

Re: What are you frugal with, what are you not, but still buy?

I'm a spender, but I never make impulsive purchases. I read tons of reviews and then look for great deals (Slickdeals.net is one of my favorite sites).

I tend to prefer brand names, but only on sale.
by Go Blue 99
Sat Mar 05, 2016 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 4819

Re: Do You Give Your Friends Investment Advice?

I'm known in my friend circle for being the Backdoor Roth guy. I'm constantly pushing it on them and showing them how to do it.
by Go Blue 99
Thu Mar 03, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ interactive tool: What income % are you?
Replies: 13
Views: 2144

WSJ interactive tool: What income % are you?

There are some tools out there where you can punch in your income and find out what income percentile you fall in.
But this one is the first I've seen that also lets you filter by gender, race, age, and education level.

http://blogs.wsj.com/economics/2016/03/ ... are-you-2/
by Go Blue 99
Wed Mar 02, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Question RE: 529 Plans - Georgia
Replies: 8
Views: 759

Re: Question RE: 529 Plans - Georgia

Per savingforcollege.com:

Contributions to the Georgia 529 plan of up to $2,000 per beneficiary per year (any filing status) are deductible in computing Georgia taxable income. Contribution deadline is April 15 of the following year.
by Go Blue 99
Sun Feb 28, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate
Replies: 12
Views: 1718

Re: Savings Rate

Secondary question--- At the moment, I have just calculated my savings rate on net income, but do folks add 401k matches and HSA employer contributions to their savings rate? I suspect not, and I am not doing that, but just want to get feedback. That money does pile up. Thanks again. I calculate on...

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