Search found 1940 matches

by bungalow10
Wed Feb 15, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 5847

Re: Kitchen cabinets

This!! We close in a month on a house that has a 12 year old kitchen and no ensuite master bath... but it is in the school district want, one block from the park DH likes, and I can walk to the train station. Those were our top priorities, we skipped many, MANY houses with newer kitchens or other am...
by bungalow10
Tue Feb 14, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 5847

Re: Kitchen cabinets

Two years ago we went the opposite of white cabinets. We went with painted grey. Paired with white, quartz countertops, white walls and ceiling, white appliances, and grey/whitish tile it looks great. Pretty much all my wife's ideas. I would have went with some current style. Don't be afraid to go ...
by bungalow10
Tue Feb 14, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 5847

Re: Kitchen cabinets

I never thought I'd like white cabinets, but the rental we are in has them and I do like them quite a bit. I would consider putting them in if I did a kitchen remodel - they are easier to keep clean than I expected.
by bungalow10
Sun Feb 12, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Situation changing
Replies: 5
Views: 701

Situation changing

For background, DH and I have three youngish kids (9, 7, 4). I work, DH watches the munchkins. We were living in a low COL area up until last year. We had money in the bank to pay off the house and had started a taxable account and were making automatic monthly transfers. We max out our one 401k and...
by bungalow10
Sun Feb 12, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Kitchen cabinets
Replies: 73
Views: 5847

Re: Kitchen cabinets

Work with a professional to find what you like. We have been in the process of buying a house in a fairly well-to-do area of the North Shore of Chicago. Lots of gray and white kitchens, which are beautiful and trendy, but we went with the house that had the floorplan and space we needed - despite th...
by bungalow10
Sat Feb 04, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 84
Views: 14522

Re: Two Comma Club

DH and I just made it into the two-comma club! At least the junior version... out balance sheet shows just slightly over $1MM, including all asset types (tax advantaged makes up a big chunk, home equity a small chunk, cash, 529, etc). :D :D :D I told DH and he asked how long before the next million...
by bungalow10
Sat Feb 04, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 84
Views: 14522

Re: Two Comma Club

DH and I just made it into the two-comma club! At least the junior version... out balance sheet shows just slightly over $1MM, including all asset types (tax advantaged makes up a big chunk, home equity a small chunk, cash, 529, etc). :D :D :D I told DH and he asked how long before the next million ...
by bungalow10
Sun Jan 29, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Determining max amount to spend on a house?
Replies: 27
Views: 3448

Re: Determining max amount to spend on a house?

Assuming 40% of your gross income can go to housing is *insane.* I always thought the two rules were 25% of gross or 40% of take home? Either way, it's a lot. I know, we went from having a could-be-paid-off-tomorrow house to buying in a market where we are going to be right at that 25% of gross ran...
by bungalow10
Sun Jan 08, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4172

Re: The funk - gym clothes

Maybe try some mirazyme. https://www.amazon.com/MCNETT-Mirazyme-Odor-Eliminator-oz/dp/B0000DYNSN?th=1&psc=1 Thanks for that link. I reminded me of something we used to use when my kids wore cloth diapers and we'd occasionally get "the funk" - Bac Out. I might pick some of that up and ...
by bungalow10
Sun Jan 08, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 61
Views: 7243

Re: Honda Pilot vs Toyota Highlander?

Just my $.02... I replaced a Highlander with an Odyssey in 2015. I came to hate that Highlander, and my DH hated it from day 1. It had sloppy handling (to be fair, I am comparing it to Hondas and Hondas always have nice suspension and handling), and it was just not a vehicle that I felt like was des...
by bungalow10
Sun Jan 08, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 3613

Re: Bedroom is colder than rest of house. Radiator heating question.

Does your system have a circulation pump? You might try rewiring the system so the pump runs all the time, not just when the boiler is heating. This circulates the water all the time which tends to transfer heat from hotter areas to colder areas so the overall temperature is more uniform. This is a...
by bungalow10
Sun Jan 08, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Bedroom is colder than rest of house. Radiator heating question.
Replies: 70
Views: 3613

Re: Bedroom is colder than rest of house. Radiator heating question.

I love boiler/radiator heat, it is very efficient and comfortable! Our old home had it and our new one is forced air, I'm envious :) I'd check a few things to help narrow it down. First is just a hand check of radiator temp. Next time your boiler kicks on, walk around feeling your radiators. Are the...
by bungalow10
Sun Jan 08, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4172

The funk - gym clothes

I didn't see a thread about this anywhere (and probably for good reason because it is kinda gross), but I have to ask before I throw away a bunch of exercise clothes, both mine and my husband's. Has anyone found a way to remove the funk? We have primarily tanks and shirts, plus a few sports bras and...
by bungalow10
Sun Jan 08, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 24954

Re: Annual Vacation Budget

I love reading this thread! I thought I'd drop my mom-of-three (ages 9, 7, 4) thoughts here on family vacations... We love road trip + VRBO. They work incredibly well for us, it keeps us all interested and gives us a lot of flexibility in our activities. We typically go with friends that have kids o...
by bungalow10
Wed Dec 28, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 5639

Re: TV in the bedroom?

No, prefer reading. If one of us must watch something while in the bedroom, ill or something, we can use a tablet.
by bungalow10
Mon Dec 26, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Bought a house for 560k in 2007
Replies: 73
Views: 9183

Re: Bought a house for 560k in 2007

OP - can I recommend a software that I think will help? It's called YouNeedABudget (or YNAB). I've been using it for years, with a little time, it will help bring clarity to your situation. I've been using it for a few years and it had given us the data needed to make some big decisions (DH leaving ...
by bungalow10
Mon Dec 26, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 10506

Re: How to get rid of your belly........

Here's my 30-something, working mom of three approach... I got a Fitbit and started walking. 15,000 steps a day. It seems like a lot at first, but I found my body and mind are happier (less stress, better quality sleep) at that number. Use MyFitnessPal to track calories. I used a target of .5 lbs pe...
by bungalow10
Mon Dec 05, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Buy versus rent
Replies: 7
Views: 785

Re: Buy versus rent

1) How much it costs to rent the same house that you plan to buy? - The rental market is really tight - only a handful of four bedrooms and they are in the $3000 (not as nice, but big enough)-$4800 (nicer than the one we would buy) range. Ones that are as close to public transit as this one are hard...
by bungalow10
Mon Dec 05, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buy versus rent
Replies: 7
Views: 785

Re: Buy versus rent

http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html If I put in $700k house, for 5 years, 30 year morgage and 20%, the result is: better to rent if you can rent for less than $2,816. If 3 years, $3,597. Mind you, there are a lot of other variables you should play with. But the b...
by bungalow10
Mon Dec 05, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Buy versus rent
Replies: 7
Views: 785

Buy versus rent

Hello! I recently relocated my family due to a change in my employment. We are renting in our new area (north Chicago suburbs), while I work downtown. I work, DH stays home, we have three kids (3rd grade, 1st grade, 3-almost-4 year old), and love our new area. We had a pretty low cost of living wher...
by bungalow10
Tue Oct 18, 2016 10:28 am
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 14310

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

Thank you for posting, I have completely stopped watching ibonds due to lackluster interest rates lately.
by bungalow10
Tue Oct 18, 2016 7:50 am
Forum: Personal Consumer Issues
Topic: Chicago recommendations
Replies: 40
Views: 2328

Re: Chicago recommendations

As far as the mass transit ticket system goes - I think you can install the Ventra app on your phone and buy all your tickets on there as you need them. I do that for the Metra, I think the El and CTA are on there too. You might find with the fares that it is cheaper to Uber a family of four around...
by bungalow10
Tue Oct 18, 2016 7:48 am
Forum: Personal Consumer Issues
Topic: Chicago recommendations
Replies: 40
Views: 2328

Re: Chicago recommendations

I take Uber all the time from downtown (I work at AON, across the street from Millennium Park) to O'hare. I think it's $35? Uber is way better than taxis, very efficient in the city. I also have a 3, 6, and 9 year old. We love Maggie Daley and the Bean. The Children's Museum isn't great for older ki...
by bungalow10
Tue Apr 14, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 6290

Re: Kitchen upgrade - granite selection help

We wanted granite a few years back but found it was all WAY too busy and a lot already looked dated. We went with soapstone, which I love the look of, but it hasn't held up well (chips, scratches). It goes with my personal tendency towards things looking natural and having character, but I'm sure if...
by bungalow10
Sat Apr 11, 2015 7:24 am
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 6971

Re: On a budget and Friday night

There are four of you, OP? How old are your kids? If we have four adults (or I think some older kids could play), you could play the best game ever - Settlers of Catan. With my little kiddos, we make homemade popcorn, sometimes watch a movie. Sometimes we just turn on Pandora and dance in our living...
by bungalow10
Mon Mar 23, 2015 4:39 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 6223

Re: Urgent Care Centers - When should they be used?

Well I may be having to use them more now that my family practice doctor of over 10 years just announced he is going Concierge (MDVIP). Wants $1800 per person per year just be on his patient list. So $1,800 x 4 = $7,200 yr plus $14,400 yr medical insurance and your ups to $21,600 per year before ev...
by bungalow10
Mon Mar 23, 2015 3:15 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 6223

Re: Urgent Care Centers - When should they be used?

We have used urgent care for minor injuries - I stepped on something and needed a tetanus booster, my daughter cut her foot at a water park, kid develops high fever on a road trip... We have a third option with our insurance - Teladoc. Talk to a doctor on the phone, they will even get you a prescrip...
by bungalow10
Fri Mar 20, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 8003

Re: Which credit union are you a member of?

No, they did eliminate the 0.25% cash reward on non-gas purchases but the 5% cash back on gas is still going... https://penfed.org/Platinum-Cash-Rewards/ I still have that card and I switched all my gas purchases to another card because I was not getting 5% back on my gas purchases and hadn't been ...
by bungalow10
Fri Mar 20, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 5868

Re: To MBA or Not to MBA

MBAs part time don't usually get internal recognition within companies and they have less academic prestige than full time programmes. The money for a full time programme is generally only worth it for the top 15 schools and then only if you follow that up with a prestige employer (consulting, bank...
by bungalow10
Fri Mar 20, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Convert paoer Ibonds to electronic?
Replies: 6
Views: 874

Convert paoer Ibonds to electronic?

I purchased Ibonds with our tax refund. I used TurboTax and somehow I ended up with paper bonds. I don't want paperbonds, is there anyway to convert these to electroncic?
by bungalow10
Fri Mar 20, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: To MBA or Not to MBA
Replies: 37
Views: 5868

Re: To MBA or Not to MBA

mnsportsgeek wrote:If the company pays for it. Yes.
If it's out of your pocket. Don't waste your money.


+1

My employer paid for mine. I did it while I was in my 20s, graduated while pregnant with my first child. Now, eight years and three kids later, I'm so glad I did it.
by bungalow10
Thu Mar 19, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 8003

Re: Which credit union are you a member of?

tbradnc wrote:

Pentagon Federal's ongoing Cash Rewards card with 5% cash back on gas purchases is great.


I thought this program was discontinued a year ago or longer.
by bungalow10
Thu Mar 19, 2015 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 8003

Re: Which credit union are you a member of?

I belong to Penfed and pretty much have been happy with them. I also belong to Quorum - they have my mortgage right now - 15 years at a fixed 2.375%. Penfed wasn't even close :) I have my HELOC with UW Credit Union (University of Wisconsin). Their HELOC application to close process was 3-4 days, th...
by bungalow10
Thu Mar 19, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 8003

Re: Which credit union are you a member of?

I belong to Penfed and pretty much have been happy with them. I also belong to Quorum - they have my mortgage right now - 15 years at a fixed 2.375%. Penfed wasn't even close :) I have my HELOC with UW Credit Union (University of Wisconsin). Their HELOC application to close process was 3-4 days, th...
by bungalow10
Wed Mar 04, 2015 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 3727

Re: Arguing Dental Bill

It is your responsibility to know what your insurance will and wont cover, you authorized the work you need to pay the bill. People need to stop being passive in their care and take ownership over their medical and dental care. Yeah that's nice but have a full time job already and trying to get tha...
by bungalow10
Wed Mar 04, 2015 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 3727

Re: Arguing Dental Bill

It is your responsibility to know what your insurance will and wont cover, you authorized the work you need to pay the bill. People need to stop being passive in their care and take ownership over their medical and dental care. +1 If anyone wants to know why medical costs are high, look at how much...
by bungalow10
Wed Mar 04, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Arguing Dental Bill
Replies: 37
Views: 3727

Re: Arguing Dental Bill

If you had a huge infection in your jaw, and you just had a panoramic Xray taken a year ago, what is the dentist supposed to do? Not take it because ins co won't cover it? Problem is with insurance companies 9 times out of 10 and not the dentist. How about mentioning something like this before taki...
by bungalow10
Fri Feb 27, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 3879

Re: 3 Kids and 2 Dogs - Next Vehicle

Three kids in car seats forces you into needing three rows. (As you've planned.) No, it doesn't. We have had three in car seats and currently have two in boosters and one in a car seat. Up until recently we were driving a 2005 Chevy Impala (still have) and a 2006 base model Highlander (no third row...
by bungalow10
Thu Feb 26, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Raise was only 2.44%?
Replies: 49
Views: 6513

Re: Raise was only 2.44%?

My company's merit increases were recently announced. For an employee who met all their goals and expectations, they received slightly over 2%. Employees who didn't received nothing. Employees who knocked it out of the park (high bar here, very few employees get this), it was a little over 4%. There...
by bungalow10
Thu Feb 26, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 56848

Re: What are Costco's best deals?

I used to have a membership, but shopping there is just not much fun, too crowded for one thing (just parking is a nightmare) and you always feel like your wasting your time if you don't come out with a cart full of stuff (and it's way to easy to come out with a cart full of stuff). I can still sho...
by bungalow10
Thu Feb 26, 2015 1:38 pm
Forum: Personal Consumer Issues
Topic: 3 Kids and 2 Dogs - Next Vehicle
Replies: 31
Views: 3879

Re: 3 Kids and 2 Dogs - Next Vehicle

Three kids in car seats forces you into needing three rows. (As you've planned.) No, it doesn't. We have had three in car seats and currently have two in boosters and one in a car seat. Up until recently we were driving a 2005 Chevy Impala (still have) and a 2006 base model Highlander (no third row...
by bungalow10
Wed Feb 25, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 19667

Re: How much did you have saved up for retirement at age 30?

I turned 30 in December 2008 - which as many of you probably remember was right as the markets came crashing down. I had $125,000 2008 dollar, or $137,000 adjusteed for inflation. Six months prior (June 2008), I had $54,000 more than that - $179,000. DH and I are now 36 and recently passed the $500k...
by bungalow10
Fri Feb 20, 2015 4:18 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1834

Re: my savings account is high risk!

Grt2bOutdoors wrote: Or put the money in an online far away bank where it takes "days" to get delivered to you.


Ibonds are my friend for this very reason. The TD website is so tediuous to use that the mere thought of trying to figure out how to cash out an ibond makes me lose all desire to spend money.
by bungalow10
Fri Feb 20, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1834

Re: my savings account is high risk!

FelixTheCat wrote:How about putting the money in a short-term tax-exempt bond fund? That would be invested so you wouldn't be tempted to buy that shiny new bauble.


I like that.
by bungalow10
Fri Feb 20, 2015 12:44 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1834

Re: my savings account is high risk!

I have found it useful to open multiple "cash" accounts and earmark them for various things. +1 I have an online account with multiple cash accounts that are for different categories; Bills, Petty Cash, Vacations, Christmas, etc. The money is only spent for the account's purpose. This hel...
by bungalow10
Fri Feb 20, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1834

Re: my savings account is high risk!

It's actually quite a good idea to be putting aside money in a taxable savings account like that, in addition to your retirement accounts. This allows you to buy your next vehicle for cash, or maybe mostly cash, instead of needing to borrow 90% of the purchase price. So I don't see a huge problem h...
by bungalow10
Fri Feb 20, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1834

Re: my savings account is high risk!

When looking at those potential new purchases, you need to remind yourself: "An elephant for a dime is only a good deal if you need an elephant and have a dime." Or something like that. oh I do, I definitely do. With the money sitting there, I find myself browsing new cars online every on...
by bungalow10
Fri Feb 20, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1834

my savings account is high risk!

Whenever I have a chunk of cash in any account, I want to spend it. I find myself daydreaming about a new car, vacations... I'm not a big spender (our cars have about 350,000 miles between the two and our vacations are usually camping), I'm a pretty consistent saver. But I find that I have to have m...
by bungalow10
Fri Feb 20, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 48
Views: 4879

Re: electric toothbrush

I really like my Sonicare. Ours was broken for awhile and when we finally replaced it I was amazed at how much I had missed it. Even though I had been brushing and flossing regularly, the Sonicare really makes me teeth feel cleaner - closer to that freshly polished feeling after a dental checkup.
by bungalow10
Tue Feb 10, 2015 1:36 pm
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 1414

Re: Niagara Falls!

This is all great, keep up the suggestions! We will be there a full week and have lots of time to fill. There are lots of great historical sites, on both sides of the border, if you are interested in that sort of thing. http://www.visitbuffaloniagara.com/things-to-do/history/ Thank you, we are very...

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