Search found 375 matches

by mak1277
Mon Sep 18, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

Brown bagging early in career is a 'Career Limiting Move'. Brown bagging late in career is probably worse until you are on the early retirement list. Completely and utterly incorrect. It all depends. I worked in Big 4 public accounting at the start of my career. I was told on day 1 that "you do not...
by mak1277
Mon Sep 18, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 51
Views: 3053

Re: What is FI if you love your job? [Financial Independence]

I'm one of the people who is looking forward to early retirement. But at the same time, I have absolutely no desire to sacrifice my current enjoyment. We live the life we want to live, travel where we want to travel, buy the things we want to buy...and fully intend to continue to do so during retire...
by mak1277
Fri Sep 15, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

If you think you're better than someone because you brown bag every day, you're a jerk.

If you think you're better than someone because you go out to delicious meals every day and never brown bag....you're a jerk.
by mak1277
Thu Sep 14, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

HomerJ wrote:
Thu Sep 14, 2017 12:44 pm
I bought a boat and a jetski with all the money I've saved not eating out every day at work.
you win the thread...shut 'er down!
by mak1277
Thu Sep 14, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

I don't let my kids buy school lunch every day so there is no way I'm going to eat out every day either. It takes me about 10 minutes to make lunch for the whole family every morning. And I know exactly what they are eating. Maybe this is where my issue originated...I never brown bagged to school e...
by mak1277
Thu Sep 14, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

I don't let my kids buy school lunch every day so there is no way I'm going to eat out every day either. It takes me about 10 minutes to make lunch for the whole family every morning. And I know exactly what they are eating. Maybe this is where my issue originated...I never brown bagged to school e...
by mak1277
Thu Sep 14, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8512

Re: Retirees-anyone miscalculate how much was needed?

Why is it BH seem to believe they have no ability to have a life and a job at the same time? Your 20s, 30s and 40s are great years, why waste them saving for retirement? Answer, because in life there is a balance and you have to play the odds. You always trot this out, but you're subject to the sam...
by mak1277
Thu Sep 14, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

CyclingDuo wrote:
Wed Sep 13, 2017 9:32 pm

20 cents for a spoonful of PB + $1 for 2 slices of premium bread + 47 cents for the apple = $1.67 per day for my lunch (M/T/W/Th/F)
What's your targeted daily caloric intake? If I ate what you described at noon I'd be hungry again at 1:30. Do you snack all day in addition to that "lunch"?
by mak1277
Wed Sep 13, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 2384

Re: Strategy for smartphones.

FWIW - In a recent court filing, Apple asserts that customers should not expect their iPhones to last more than a single year. But in a class-action court case over the widespread premature failure of tens of thousands of iPhone 6 and iPhone 6 Plus devices, Apple argues that the company cannot guar...
by mak1277
Wed Sep 13, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

... it is simply a difference in how you view food (as fuel as opposed to a source of pleasure). Yes! This is such an important point, and one I was thinking about earlier today when reading through the responses here. Personally, food is a huge source of pleasure for me. Like everyone, there are t...
by mak1277
Tue Sep 12, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

Not worth it for me. I've never brown bagged a day in my career and I managed to save money (although being in high income positions clearly helped). The $78,000 you quote isn't enough to make me regret what I've done to this point. How about a cool quarter million? Still don't regret leaving the d...
by mak1277
Tue Sep 12, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

For me, it isn't about just the money. It is about the flexibility and the variety. It is extremely rare that I want to eat what I ate last night, and I'm sure as shoot not going to eat PB&J as a staple. I completely agree with this line of thinking too. But I'm also ready for the line of people wh...
by mak1277
Tue Sep 12, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

For me, it isn't about just the money. It is about the flexibility and the variety. It is extremely rare that I want to eat what I ate last night, and I'm sure as shoot not going to eat PB&J as a staple. I completely agree with this line of thinking too. But I'm also ready for the line of people wh...
by mak1277
Tue Sep 12, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 308
Views: 15378

Re: Is it really Worth it to brown bag your lunch at work?

Not worth it for me. I've never brown bagged a day in my career and I managed to save money (although being in high income positions clearly helped). The $78,000 you quote isn't enough to make me regret what I've done to this point.
by mak1277
Tue Sep 12, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Tips on helping spouse feel that we are truly FI?
Replies: 18
Views: 1409

Re: Tips on helping spouse feel that we are truly FI?

Can you approach it in terms of goal setting? Ask her to think about and write down everything she desires in terms of needs, wants and luxuries. Then show her what you can afford today.
by mak1277
Mon Sep 11, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 8279

Re: For those planning early retirement....

One common mistake retirees make is moving to a low-cost, low-tax area where there is nothing to do and any entertainment requires a long drive. I think the mistake is moving somewhere that doesn't suit your lifestyle. Personally, the things I enjoy doing don't take place in the city, so moving to ...
by mak1277
Thu Sep 07, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9060

Re: Companies/Brands You Love?

I used to work with a private label cookie manufacturer, and I'm the first to admit that many brand name cookies can be replicated in identical or even better fashion. But I have yet to taste any similar product that is even close to an oreo. I enjoy trying the store-brand cookies that are similar ...
by mak1277
Thu Sep 07, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9060

Re: Companies/Brands You Love?

Oreos Oreos are a knock-off imitation of the original Sunshine Biscuit Company's Hydrox cookies, although the current version of Hydrox is from a different company (Leaf) that resurrected the brand after it was discontinued in 1999. http://www.atlasobscura.com/articles/hydrox-cookies-oreo I care no...
by mak1277
Thu Sep 07, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 8279

Re: For those planning early retirement....

1 - I plan to continue my current lifestyle, which includes travel, hiking/backpacking, fishing, reading, watching movies/tv, volunteering, etc. I don't plan any changes to my budget or current levels of spending. All will be funded through investments at retirement. 2 - Longest I have taken off is ...
by mak1277
Wed Aug 30, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9060

Re: Companies/Brands You Love?

Oreos I thought long and hard about this as I read the OP. I couldn't come up with a single thing besides Oreos for which I have absolute brand loyalty. A few months ago (and definitely 18 months ago) I probably would have said Chipotle, but my local store was the one with norovirus. But anything el...
by mak1277
Thu Aug 24, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 8771

Re: Living Expenses - what's "reasonable"?

I'm quite happy with the lifestyle I live currently, which includes spending on numerous "luxuries" above and beyond what is essential. Since I intend to maintain this lifestyle in retirement, I don't see the point in the mental gymnastics required to figure out exactly how little I *could* spend if...
by mak1277
Tue Aug 22, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Returning / Exchanging purchased items ?
Replies: 24
Views: 1562

Re: Returning / Exchanging purchased items ?

Online shopping begets returns. If you can't handle or try on an item prior to purchase, there's no way to know if it's exactly what you need, so returns are commonplace. When i buy things online, I'll often buy three or four versions of the thing I want, with the intention of keeping the best of th...
by mak1277
Tue Aug 22, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 1662

Re: Transferring Work Locations - Cost of Living Decrease?

Why don't you just ask what the policy is regarding your question? If the company always reduces pay, you'll know...if there is no policy for it, it's not like your question will end up biting you.
by mak1277
Tue Aug 22, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2120

Re: Can you recommend a good mouse trap?

Yep, regular old mouse trap is still my choice as well.
by mak1277
Wed Aug 09, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17120

Re: Life at crossroads. What would you do ?

Why do you have to work for a tech company? Pretty much every company in every industry has an IT department....and it's not easy to find good candidates for upper level positions. With your tech background **and** an MBA, I would think you'd be a very attractive candidate for a myriad of companies,...
by mak1277
Thu Aug 03, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3593

Re: Startup vs big company (financial equity at stake)

What do you mean by "RSU are much more sure thing?" RSUs are just like cash and you get taxed just like cash when they vest and you can sell them immediately to lock in your money. It is exactly as if your employer adds zillion dollars in cash to your paycheck, withholds the taxes and then buys the...
by mak1277
Wed Aug 02, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 57
Views: 3593

Re: Startup vs big company (financial equity at stake)

- Stock: fully vested and exercised my 4 year stock option grant, and after dilutions I have about 0.7% of the company in common stocks However, the company valuation is now pretty high, so I wouldn't be able to buy those options when they vest, meaning that I'd have to stay here until the very fin...
by mak1277
Wed Aug 02, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3124

Re: Will my older self thank me?

I didn't put a single dollar into my 401k until I was nearing age 30. I spent most of my money on going out and having fun when I was just starting off my career....I had no desire to curtail the life I wanted to live simply to save for a day that may never come. I do not regret this decision at all...
by mak1277
Thu Jul 27, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9054

Re: Should I Quit my 6-figure job?

How much of a pay cut would you take if it meant potentially better job satisfaction? If I change jobs I will likely take pay cut after counting the retirement plan. Define "job satisfaction" for me. Personally, job satisfaction for me includes a ton of the things you mention (short commute, limite...
by mak1277
Thu Jul 27, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 54
Views: 3744

Re: About to buy a rental car, any advice?

Does anybody know if Hertz even rents car to young kid? I think their cut-off is 25 year old. If you are looking at Mazda, are you in the region where cars rust? If so, avoid Mazda. This is the only brand of newer vehicles which I see rusted badly in our New England mega-corp parking lot. You have ...
by mak1277
Thu Jul 27, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Help with negotiating neighbor/yard drainage costs
Replies: 24
Views: 1656

Re: Help with negotiating neighbor/yard drainage costs

I think anything you can get your neighbor to agree too should be considered a surprising gift and you should be thankful for. I know if I were in your neighbor's shoes I wouldn't do anything for you.
by mak1277
Thu Jul 27, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: GF Picking a college major
Replies: 105
Views: 5486

Re: GF Picking a college major

Based on all this, what might be a good major for her? How about being an accountant? There's math involved, but it's not advanced calculus. Yes! I immediately thought of accounting when I read the OP. I was "weeded out" of premed when I was in college and switched to the business school and was be...
by mak1277
Tue Jul 25, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1023
Views: 247670

Re: Best watch for around $5,000?

I see myself engraving and passing this watch down to my kids as it is built to last. I strongly recommend you check out the Tudor Black Bay 36 if > 38mm watches are too big on your wrist. What would you suggest in a smaller watch like this that shows the date? I was also looking for a small watch ...
by mak1277
Mon Jul 24, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 12284

Re: Books not to read.

I can't believe it took 113 replies to get a mention of Atlas Shrugged . I read Atlas Shrugged because of how much attention it was getting on the media and the Internet. After hearing a lot of people attack or defend the book, I figured I should read it for myself to see what the controversy was a...
by mak1277
Mon Jul 24, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 12284

Re: Books not to read.

I can't believe it took 113 replies to get a mention of Atlas Shrugged . I read Atlas Shrugged because of how much attention it was getting on the media and the Internet. After hearing a lot of people attack or defend the book, I figured I should read it for myself to see what the controversy was a...
by mak1277
Wed Jul 19, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 12284

Re: Books not to read.

Don't read (finish) any book you don't like. There are way too many good books in the world to waste time on something you're not enjoying....go ahead, put it down.
by mak1277
Wed Jul 19, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3117

Re: Indoor activities for a 3-year-old

Read books to him
by mak1277
Mon Jul 10, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12957

Re: How did you handle the costs of your child's wedding?

I will say, as a wedding guest, I truly appreciate big and expensive affairs. Attending a wedding with great food, free flowing drinks and good music is much more fun than attending a cheapo wedding. Do you give a proportionately larger gift when you attend weddings with great food, free flowing dr...
by mak1277
Mon Jul 10, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12957

Re: How did you handle the costs of your child's wedding?

I've always thought that guests should pay to attend the weddings - maybe by buying tickets. Why should you expect other people to pay for something that you would not be willing to pay for?..... My guess is very few people would be willing to pay the per person cost if it had to come out of their ...
by mak1277
Thu Jul 06, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Stress Testing Plans: How much stress?
Replies: 34
Views: 2560

Re: Stress Testing Plans: How much stress?

Personally, I know that the "4% rule" was based on the worst set of circumstances in past history...that's enough stress for me. Well, worst case in the United States, for a 30-year retirement period that potentially spends down the entire portfolio. It wouldn't have worked in a lot of other places...
by mak1277
Wed Jul 05, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12957

Re: How did you handle the costs of your child's wedding?

I will say, as a wedding guest, I truly appreciate big and expensive affairs. Attending a wedding with great food, free flowing drinks and good music is much more fun than attending a cheapo wedding.
by mak1277
Fri Jun 30, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Stress Testing Plans: How much stress?
Replies: 34
Views: 2560

Re: Stress Testing Plans: How much stress?

Personally, I know that the "4% rule" was based on the worst set of circumstances in past history...that's enough stress for me. Well, worst case in the United States, for a 30-year retirement period that potentially spends down the entire portfolio. It wouldn't have worked in a lot of other places...
by mak1277
Fri Jun 30, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Stress Testing Plans: How much stress?
Replies: 34
Views: 2560

Re: Stress Testing Plans: How much stress?

Personally, I know that the "4% rule" was based on the worst set of circumstances in past history...that's enough stress for me.
by mak1277
Wed Jun 28, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 12957

Re: How did you handle the costs of your child's wedding?

I hear you - your daughter is lucky The only thing I have to add is to let your daughter make the calls (within the scope of your budget). A friend's dad demanded certain features at her wedding (i.e., chocolate fountain) that created a lot of tension during the planning process. Somehow I doubt th...
by mak1277
Wed Jun 28, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1023
Views: 247670

Re: Best watch for around $5,000?

airahcaz wrote:Entry level Rolex is no longer "around $5000"


Oyster Perpetual models can still be found around $5k new.
by mak1277
Thu Jun 22, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is VG Total Stock Market Index too concentrated?
Replies: 52
Views: 4408

Re: Is VG Total Stock Market Index too concentrated?

it just seems crazy to me that our market is so concentrated at the top where a single company like Apple can represent so much of the market. What I find interesting is that Apple has a PE ratio that is less than average for the S&P 500...so one could choose to argue it's not even fairly repre...
by mak1277
Thu Jun 22, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1290

Re: How do you approach your ESPPs

I sell 100% of my ESPP shares upon purchase and RSUs upon vesting. Proceeds from both go into my taxable account, which is my "money I don't have a current use for" bucket. At some point, that account will be drawn upon to purchase cars and put my son through College. It also serves as ad...
by mak1277
Wed Jun 21, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5845

Re: Alternatives to Amazon

The repeated attempts to delegitimize the OP's fear of Amazon delivery drivers are rather vicious. These repeated delegitimizing attempts strike me as, at bottom, a form of virtue-signaling. If people didn't feel an impulse to make themselves feel superior to others, I suspect very little would be ...
by mak1277
Wed Jun 21, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 39913

Re: Regret early retirement/downsizing

I agree with that concept; otherwise, boredom would be a real risk for DW and me. I'll still take "bored and free" over "bored at work" any day though. I'll take "bored at work and paid enough to enjoy my time off" over "bored and unemployed 7 days a week" an...
by mak1277
Wed Jun 21, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 39913

Re: Regret early retirement/downsizing

Question for those who retired "early". I am 61 and considering retirement (I can do it financially ). Some writers on the subject say that you shouldn't just retire from something, you should have something to retire to. I have in mind the usual suspects: reading, volunteering, some trav...