Search found 708 matches

by poker27
Wed Aug 16, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 45
Views: 2968

Re: What kind of hotel do you get on business travel?

I'm currently staying in a Hyatt place. I don't think I have a hotel max budget, however I am given an annual budget for my entire team so that comes into play.
by poker27
Tue Aug 01, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: The age old debate 30 vs 15 [year mortgage rate]
Replies: 41
Views: 4646

Re: The age old debate 30 vs 15 [year mortgage rate]

do you have extra $ each month (I would assume so since you have 200k in cash). If so, what do you do with it? I wanted to split my extra $ between taxable and mortgage, so ultimately decided to refinance to a 15yr. I'm confident that $ in the market will do better than my old mortgage rate, but sti...
by poker27
Wed Jul 26, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: From Chi-Midway: Taxi, Uber, Lyft, or other?
Replies: 26
Views: 1983

Re: From Chi-Midway: Taxi, Uber, Lyft, or other?

I often take a uber from Midway to the city, and had to take a taxi before they allowed Uber to pick up from Midway. Without traffic an Uber to just north of downtown would run me $20-25. A cab was $50. Depending on which suburb you are going to and the time of day, it could make sense to take the L...
by poker27
Tue Jul 25, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 54
Views: 3618

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

I recalled an old rental car thread where everyone mentioned that rental cars are abused... Few weeks ago I had a rental for a few days. It was even a nice car as I was upgraded to a full size. During my 3-4 days with the car I had 0 interest to beat on a car. No offense but where is the fun in beat...
by poker27
Thu Jul 13, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7217

Re: Do you consider business travel to be a perk or a burden?

For those of you traveling, how do you rack up points and miles? I am required to book everything with a corporate card at a business travel site. Since I don't travel a ton (maybe once a month) I will usually fly southwest since my odds of getting upgraded are nill.
by poker27
Mon Jun 26, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Buy condo at Trump Tower Chicago a good deal?
Replies: 24
Views: 3477

Re: Buy condo at Trump Tower Chicago a good deal?

I'm not going to speculate if the place is devalued or not given the name. I will say that if you are looking for a downtown condo in the 'middle' of things, it is a very good choice. I've stayed at the hotel for a stay cation, and you are a few blocks from the 'action' of River North, while still b...
by poker27
Thu Jun 22, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8747

Re: Costco vs. Amazon - Thoughts of Prime Members?

I have both. I'm a huge fan of Costco. I buy groceries, clothes, and going to the eye doctor there on Monday. I personally can't see getting food (hot or cold) delivered to me, but I also never thought I would get in the back of a strangers car and get driven places for cheaper then a cab. While I e...
by poker27
Mon Jun 19, 2017 8:50 am
Forum: Investing - Help with Personal Investments
Topic: What Is The Right Amount For An Emergency Fund?
Replies: 27
Views: 2726

Re: What Is The Right Amount For An Emergency Fund?

I have 12 months in my official EF (I bonds) and then have bonds in taxable for the next level. My job is certainly not in jeopardy. However I do not have specific degree that will allow me to run out and get another job with the same income tomorrow. I would imagine that during a economic downturn,...
by poker27
Mon Jun 19, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1441

Re: Which motorcyle?

Wow, we went from someone asking for a recommendation on a bike, to trying to talk him out of it. I have been riding for about 4 years now, and will agree its insanely dangerous. However a big piece of the danger (IMO) is where you ride. If you are in a more rural area, your risk of drivers not payi...
by poker27
Sat Jun 17, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: Turbochargers
Replies: 60
Views: 4099

Re: Turbochargers

My personal driver is a 2008 Mazda Speed3; turbocharged, intercooler, 2.3 liter with 263hp and 280 or so ft/lb of torque. At 90,000 miles and no issues other than the fact that its quickness can get you in trouble. Yes, it uses premium and gas mileage is nothing to write home about. But I did not b...
by poker27
Fri Jun 16, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Amazon [stock]
Replies: 25
Views: 2473

Re: Amazon

Years ago in an 8th grade quasi finance class we were tasked with picking a stock, and tracking the weekly gains or loss. Well I picked Amazon (can't remember why or how I even heard of them as computers weren't readily available yet). That would have been a good time
by poker27
Fri Jun 09, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your Savings?
Replies: 24
Views: 3388

Re: Where do you keep your Savings?

Short answer is yes. I have my official emergency fund in IBonds I keep a few grand in my checking. I have a car savings account fully funded (and have no interest in buying a new car unless my situation changes quickly) House improvement fund - we have been talking about sprucing up areas but still...
by poker27
Mon Jun 05, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 3155

Re: Gas station prices and quality

When I was growing up my granddad told me She'll was the best, so I perfer shell ;). This was obviously before the Internet. I think just about all gas is the same, I will typically so She'll or Costco.
by poker27
Mon Jun 05, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 92
Views: 9180

Re: Worth it to buy expensive clothes?

100x yes, its worth it. However, not everything is worth the price tag. I had a single custom shirt made to 'try out', and it cost $150-200. I could not stand the material, and it just felt cheap. I would rather wear my Charles Tyrwhitt shirts for sub $50. I have maybe 10 pairs of Allen Edmond shoes...
by poker27
Sun Jun 04, 2017 8:53 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 8358

Re: What Do You Pay for an Oil Change?

I just paid $110 for a synthetic oil change at jiffy lube. While it stung slightly, I can swing by on a weekend and not make an appointment. I don't drive much so only get one every 6-9 months. Define "...don't drive much..." If you don't drive much, you likely don't need to change your o...
by poker27
Thu Jun 01, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 8358

Re: What Do You Pay for an Oil Change?

I just paid $110 for a synthetic oil change at jiffy lube. While it stung slightly, I can swing by on a weekend and not make an appointment. I don't drive much so only get one every 6-9 months.
by poker27
Wed May 24, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 8173

Re: Suits: best bang for your buck?

Please don't buy a black suit.

If you live in a large metro, you may be able to find a custom made suit for sub 400 ish. Whatever you buy make sure you get it tailored
by poker27
Fri May 19, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2729

Re: Where to get oil change?

My last synthetic oil change for my non fancy car was $105 at a jiffy lube type place. I think $30 is a pretty good deal
by poker27
Sun May 14, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Online Mortgage For Lower Rate?
Replies: 10
Views: 1391

Re: Online Mortgage For Lower Rate?

I purchased my home 4-5 years ago and used a brick and mortar, even though I could have gotten a better rate through the Internet. Last year I refinanced through aimloan.com and it worked out well. I thought there might be gimmicks or 'gotchas' however I did not encounter any. I was extremely hesita...
by poker27
Sun May 14, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 10321

Re: Was there a $$$ number after which things got easier?

I recall doing the 'what if' math nearly daily during the last crisis. I was early in my career, and didn't have much stashed away. Getting to 6 months, a year, and other marks in reserves were all important points for me.
by poker27
Sun May 14, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Tipping at All Inclusive Resort?
Replies: 67
Views: 5685

Re: Tipping at All Inclusive Resort?

I tip. What is an extra 50 bucks over a 3-4 days to me? I will typically give a 10 to the bartender at the pool at the beginning and coast for several hours. I especially tip the servers that do the beach service. It looks extremely challenging to be trekking through the sand in pants and a long sle...
by poker27
Mon May 08, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1023
Views: 246015

Re: Best watch for around $5,000?

For the folks that looked at both Rolex and Omega, how did you make your decision? I have a tag heur I wear daily, but have been itching to upgrade for a while. I have been inbetween a black submariner date, and a blue seamaster. Obviously the cheap side of me wants to go omega. If I did go Rolex I ...
by poker27
Sun Apr 30, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Shopping habits and timing of purchase
Replies: 13
Views: 1510

Re: Shopping habits and timing of purchase

Yesterday, I purchased 5 pairs of shoes. I don't need any shoes, but I can't wait until the time when I need shoes, to buy them. I have to buy them when I stumble across the type I need, serendipitously. I have an unusual shaped foot (not big or small, just no arch and wide)...so when I see a shoe ...
by poker27
Sun Apr 30, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4577

Re: Buying couches the Boglehead way

When we bought our first home we found a sectional we liked. Looked nice and was comfortable. However it was waaaay to cheap for my liking. I tried telling my gf that and that we will be replacing it within a year. Well within 6 months the foam stuff was shifting, parts were sagging, etc. We then up...
by poker27
Thu Apr 13, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Using internet banks for a mortgage?
Replies: 14
Views: 905

Re: Using internet banks for a mortgage?

I refinanced last year with an Internet bank, aim loan. I was very, very skeptical at first. They had low fees and a much lower rate than any local offerings. I closed on time, and I did not encounter any surprises. Communication was ok, I had a few questions that while eventually got answered, conc...
by poker27
Sun Apr 09, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing to put less than 20% down...why is this wrong?
Replies: 51
Views: 5253

Re: Choosing to put less than 20% down...why is this wrong?

When I purchased I had enough to put 20% down, but did not feel comfortable with minimal cash reserves. So we put maybe 12% down. 2 years later I paid enough to get to 20% to have the PMI removed. 2 years after that I refinanced to a 30 year. I'm satisfied with my original decision
by poker27
Fri Mar 31, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10031

Re: What career helped you become wealthy?

Hey Bogleheads, Just curious as to some of the more popular professions around the board that have provided healthy sources of income to lead you to wealth? For instance, I'm only 24 and a recent grad but am in IT sales. Does anyone trade/invest for a living? OP, I think you are in an excellent pro...
by poker27
Thu Mar 30, 2017 8:06 pm
Forum: Personal Consumer Issues
Topic: thoughts on car choice/payment?
Replies: 21
Views: 1526

Re: thoughts on car choice/payment?

Depending on your financial situation maybe $1200 monthly is cheap? Without knowing more, we can't really give educated opinions.
by poker27
Mon Mar 27, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 7282

Re: Weathering sell-off days like today

huh? Unless I'm missing something the S&P is down by half a point?
by poker27
Fri Mar 24, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Splurge Budget
Replies: 10
Views: 1387

Re: Splurge Budget

Depends what you classify has a 'splurge'. If we want to go out to a $200 dinner or concert tickets for $300 we just do it.

On the other side I've been contemplating buying a Rolex for a while. While I have the $ I have not had the courage to pull the trigger yet :)
by poker27
Tue Mar 21, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 54
Views: 4260

Re: Debating a weekend in Chicago (south side)

As someone who lives in the wicker park area, solid suggestions all around. You could spend a weekend in the greater wicker area and not hit all of the good spots. You can walk up to North Ave and take the bus straight to the lake and either hang out on the beach or walk/bike the lake front. The wri...
by poker27
Sat Mar 18, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 7077

Re: Am I Addicted

Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard. Am I addicted? Any...
by poker27
Wed Mar 15, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 10857

Re: $464.12 dinner bill last night. No regrets.

$464 for dinner for 4 actually sounds very reasonable at a 'very nice' restaurant. Apparently you have better restaurant deals by you ;)
by poker27
Mon Mar 13, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: How Do You Share Expenses?
Replies: 52
Views: 4491

Re: How Do You Share Expenses?

I think each side needs to come up with a # they are OK with and be open to talk about it moving forward.

In my relationship I pay the mortgage and other bills, and she gives me $x each month. It is probably 1/3 of the total cost. I make more then she does, so it doesn't bother me too much.
by poker27
Mon Mar 13, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 4679

Re: How many pairs of jeans do you own?

I've gained some weight recently, and refuse to buy pants that fit my expanded waist. So I only have maybe 3 pairs of jeans that fit. However i probably own 10+ pairs overall.
by poker27
Sun Mar 12, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: When should you replace a vehicle?
Replies: 52
Views: 4807

Re: When should you replace a vehicle?

You did not share your financial status with us, but if it looks good and your wife is wanting a new car, why not? We live in a big city so scratxhes, pot holes, and parking taps are very common. I'm hoping that we do not have to replace our 6 year old Hyundai with over 100k or my 10 year old Mazda ...
by poker27
Tue Mar 07, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 5886

Re: Buying a rental car.. Any new experience?

Just curious why so many people say this? Whenever I've rented a car, I've been super careful with it, because I'm spooked about getting any scratches or damage that I'm going to have to pay for. Why do people think rental cars are abused? Just asking because it's a statement I see on this site all...
by poker27
Tue Mar 07, 2017 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Farmers vs GEICO
Replies: 5
Views: 718

Re: Farmers vs GEICO

I have farmers for multiple cars and home insurance. I originally had Allstate, my future Brother in law became a farmers agent and switched over. It was much less expensive then Allstate. I recently had an accident where I was not at fault, and everyone is point fingers. I feel like it was well tak...
by poker27
Tue Mar 07, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Opportunity Cost of Temporarily Raiding Retirement Account
Replies: 21
Views: 2102

Re: Opportunity Cost of Temporarily Raiding Retirement Account

Why do you need 20% down? Why can't you put 5-10% down and then pay off enough principal to have lmo removed in a few years. I did this (albeit put 10-15% down) and had pmi removed within 2 years.
by poker27
Sun Mar 05, 2017 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: should i payoff mortgage early?
Replies: 17
Views: 1989

Re: should i payoff mortgage early?

I honestly don't know anyone who has a paid-off mortgage who has expressed regret about it. If I paid off my mortgage within the past 7 years and missed out on potentially huge gains in the market, I would have regret. OP- we have similar mortgage rates, and I think it would be foolish to pay it of...
by poker27
Sun Mar 05, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 13443

Re: What are the big things to get right?

Work ethic. I grew up in a low income household, so I believe I understood the importance of a hard earned dollar early on. As soon as I was able to, I was working, and going the 'extra mile' at every job I had. This made a uneducated individual like me successful in my career. Because I have worked...
by poker27
Mon Feb 27, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 8402

Re: Do Boglehead DIY or Pay a Professional?

This is something that I have been fretting over lately. We want to do some mainly cosmetic improvements to our house (paint, backsplash, cabinets, etc). I see friends show me pictures of what they have done to their house, and they are updating kitchens and baths on their own. I am not handy and ha...
by poker27
Mon Feb 27, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 3856

Re: Do you clear your inbox?

For my work inbox, yes. My goal is to only have a handful of emails in my inbox before I leave for the day (less then 10). It gives me heart burn to see people's inboxes with 100+ emails. When I receive an email I will either respond or forward it and delete the original email.
by poker27
Fri Feb 24, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: AP: Americans buy existing homes at fastest pace in a decade
Replies: 45
Views: 4478

Re: AP: Americans buy existing homes at fastest pace in a decade

Real estate in my area is not only selling fast and for higher prices, but rents have also increased dramatically. I don't think house prices are out of wack compared to rentals
by poker27
Wed Feb 15, 2017 10:41 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 5391

Re: Where to buy rare steaks?

Are you looking for raw steaks or pre cooked rare steaks? I cook all my meat to rare/medium rare at home (burgers, roasts, steaks, etc) and I have never gotten sick. I also do not have a 'great' stomach. If you really have no good options around you I would order from a well known meat market that s...
by poker27
Mon Feb 13, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Any ideas of for a 2nd job / career?
Replies: 15
Views: 2200

Re: Any ideas of for a 2nd job / career?

You make 180k working from home? I need to explore career options ;).

2-5k a month is more then most of America makes as a primary income. I couldn't fathom that (at least with a lot of pressure or hours), however I don't write code.
by poker27
Mon Feb 13, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 3258

Re: How & when to sell lots of a single stock with huge capital gains

Are you sure it was pennies? Looks like it debuted at $3x and was $18 ish at its lowest.

I remember a guy sitting next to me at work bought a ton for his kid very early on. Must be doing well ;)
by poker27
Mon Feb 13, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Custom House - Wait for a Recession?
Replies: 10
Views: 1809

Re: Custom House - Wait for a Recession?

This would be timing to the ultimate extreme What if we do not have a recession for 10 years, and housing prices double by then? Then the recession brings down housing costs by 25%, your still buying much more. What happens if we do not have a recession for 20 years? Are you OK not moving for a very...
by poker27
Wed Feb 01, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 6578

Re: Pet insurance for new puppy

We got our current dog a few years ago, and he was/is our first. We received a free 90 day insurance from the shelter we adopted him from. We filled out all the correct paper work and received our card. He came down with something, needed treatment and we submitted the bills to the insurance company...
by poker27
Wed Feb 01, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Vacation in Cancun, Costa Rica, or Punta Cana?
Replies: 12
Views: 2153

Re: Vacation in Cancun, Costa Rica, or Punta Cana?

Cancun has a little bit of everything, and is filled with clubs and 'stuff'. It is also the most affordable, and depending where you are flying from, the quickest to get to. Punta Cana had much nicer beaces than Cancun, and the water was more clear. However, you will most likely be limited to the en...