Search found 708 matches

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: 1172

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: 2474

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: 3698

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: 6496

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: 6496

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: 6496

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: 6496

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: 4184

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...
by Go Blue 99
Tue Dec 20, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of person buys a franchise?
Replies: 49
Views: 5423

Re: What kind of person buys a franchise?

We are partial owners of 5 franchise restaurants (small Mexican fast casual chain). The key is having a good operator/manager. If you have someone that is truly dedicated to working hard and knows how to run it properly, you can make pretty solid profits. Our investment in that chain is doing quite ...
by Go Blue 99
Thu Dec 15, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Yahoo email advice
Replies: 17
Views: 2875

Re: Yahoo email advice

Like OP, I’ve also been using Yahoo email for about 15 years. For now, I’m not deleting my emails from their server though. The main reason is I like being able to search for old emails while on my phone. I do use Thunderbird on my laptop, but I select the setting which leaves email on the server wh...
by Go Blue 99
Thu Dec 15, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Your fava 70% dark chocolate brand?
Replies: 40
Views: 2819

Re: Your fava 70% dark chocolate brand?

I love very dark chocolate and have tried Endangered Species, Scharffen Berger, Theo's, Lindt, Green & Black's, etc. But I stick with Ghirardelli squares as my daily chocolate (mainly 86%, but also some 72%). You can get it pretty cheap via Amazon Sub&Save, and I love the taste. I also like ...
by Go Blue 99
Sun Dec 11, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo, Echo Dot, and Tap are on sale again
Replies: 12
Views: 1262

Re: Amazon Echo, Echo Dot, and Tap are on sale again

I did some more research on these. Most people say the Dot is the one to get, unless you really need the advanced speaker of the Echo.
by Go Blue 99
Sun Dec 11, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Amazon Echo, Echo Dot, and Tap are on sale again
Replies: 12
Views: 1262

Re: Amazon Echo, Echo Dot, and Tap are on sale again

I came to Bogleheads to post the same deal :) Nice to see the low prices back again. I'm going to jump on the Echo deal.

FYI Best Buy has matched the Amazon deal, so you can still get the Echo before Xmas.
by Go Blue 99
Sun Dec 04, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Any particular oven toaster you prefer????
Replies: 23
Views: 1831

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: 1083

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: 199
Views: 24016

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: 2117

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: 6878

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: 13802

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: 9417

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: 2051

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: 5314

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: 3298

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: High End Wrist Watches (Gone Crazy)
Replies: 130
Views: 9746

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: 8622

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: 11516

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: 11516

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: 4261

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: 11807

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: 1753

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: 1753

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: 6714

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: 3300

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: 26492

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: 1704

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: 5815

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: 5893

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: 3896

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: 18730

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: 5911

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: 8622

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: 7223

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: 6714

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: 4532

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: 11751

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: 815

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: 2807

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: 2807

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: 1776

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: 5526

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.

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