Search found 724 matches

by poker27
Mon Dec 11, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 79
Views: 6421

Re: 2018 financial goals - what are yours?

I'm happy with my mortgage rate (2.875%), so I dont intend to pay down
My Emergency fund is solid.
My only concentration (after auto 401k deductions) will be adding to my taxable. We may be doing some home renovations, so determining an amount I'd like to fund is tough.
by poker27
Thu Dec 07, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8331

Re: Growing Number of Electric Vehicles

munemaker wrote:
Thu Dec 07, 2017 6:04 pm
I have not seen any electric cars in our area (NW PA), so I don't think we will be affected any time soon.

Well, I did once see a Tesla here, but only once.
This is very interesting. I walked two blocks to Starbucks Sunday morning and saw 3-4 Tesla’s. They are all over Chicago.
by poker27
Sun Dec 03, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5781

Re: It's that time of year again... buying christmas gifts

Christmas adds up real quick. Just bought my team gifts 20 x $30. $100 for my boss. Then prolly two more gifts that are $50 each. And that is just my darn office
by poker27
Fri Dec 01, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10346

Re: Price of haircut?

I go to great clips, 15+ $5 tip. I always have mixed reviews and debate going to the ‘nice’ place down the street. I believe it’s $50 + tip.
by poker27
Fri Nov 24, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 5561

Re: Etiquette question: Paying for meals out & out of town guests

if I was staying in someone’s house, I would offer to cover the tab. However if it was the opposite I really wouldn’t care. I don’t know what your financial situation is, but if $65 won’t kill you, you should let things go
by poker27
Thu Nov 23, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1187

Re: Any tips on gifts for employees?

I struggle with this every year. I need to get around 20 gifts this year. I think I am going to get a small gift set of spices for each person, around $30 a head. When I add in a gift for my boss and two other individuals that don’t exactly work for me, it adds up.
by poker27
Mon Nov 20, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1682

Re: What brand of used car - Hyundai vs Nissan?

We have a 2011 Sonata with 115k miles. We live in Chicago and park on the street, so it gets beat up. I can’t recall a single out of pocket repair. I believe there was a strut or something suspension related that was replaced under warranty. If you are not the original owner, you have to pay for the...
by poker27
Sat Oct 28, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is my mortgage interest math correct?
Replies: 5
Views: 950

Is my mortgage interest math correct?

Hi, I refinanced a year ago to a 15yr at 2.875% from a 30yr. At the time I told myself that after doing so it would be ridiculous to attempt to pay my mortgage down quicker, but lately I have been questioning my decision to continue to put $ in taxable. Probably because current market conditions (co...
by poker27
Mon Oct 16, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2642

Re: How do you outfit your feet?

I bought my first pair of 'nice' ( forget if it was Bruno magli or Allen Edmonds) dress shoes 5 or so years ago, and now cheap shoes irk me. For work or whatever... I have 3-4 pairs of walnut, 2 pairs of black, 4 pairs of brown, 2 pairs of merlot, and maybe 4-5 pairs of mixed colors (grays, blues, e...
by poker27
Mon Oct 16, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7642

Re: What are you driving? And would you buy your current ride again?

2011 Hyundai Sonata w/ 110k miles. We bought it a year old with 20k miles. It has gotten beat up living in Chicago and parking in the street. I would have said I'd buy it again, however recently it started burning what seems like a lot of oil. I hope it's covered under hyjndais recall. If so, well s...
by poker27
Tue Oct 10, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2716

Re: Best weight loss resources?

Weight loss is even simpler than indexing, IMO. Figure out your maintenance calories, consume less calories than your maintenance. Unless you are a freak to science, you will lose weigh. The amount of meals, types of food, and supplements do not matter. Calories in Vs. Calories out. Incredibly simpl...
by poker27
Sun Oct 01, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5780

Re: Would you take a pay cut to work from home?

I certainly miss working from home. The pay differential may be made up in commute costs, coffee, lunch, etc.

I allow my team to work from home more than most if they perform. I think it's a huge perk.
by poker27
Mon Sep 25, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12336

Re: Lifestyle Creep

Nearly all aspects of my life have crept up with my income level. I mean what is the point of making more $ if you are not going to enjoy it? ... which leads to a couple of thoughts. First, "enjoying it" can take many forms. In my own case, by *not* giving in to lifestyle creep, I was able to retir...
by poker27
Mon Sep 25, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12336

Re: Lifestyle Creep

Nearly all aspects of my life have crept up with my income level. I mean what is the point of making more $ if you are not going to enjoy it?
by poker27
Tue Sep 05, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 3184

Re: Are you a "car guy" or "car gal", how do you fund?

I love cars. I use to race (road tracks and auto x), however I moved into the city and it was extremely challenging to find room to work on cars (which if you race something always needs fixing) and street parking is horrible with a nice car. A few years ago I was getting the itch to get some more e...
by poker27
Mon Aug 28, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Fear of Stock Market - Is it smart to be cautious?
Replies: 39
Views: 3692

Re: Fear of Stock Market - Is it smart to be cautious?

I was in a similar situation last year. I had already been investing in a taxable, but I had been putting a few bucks additional toward my principal, and accumulated cash I decided to refinance to a 15 year mortgage, and then told myself any additional funds would be placed in taxable and not toward...
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: 44
Views: 3710

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: 5241

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: 2371

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: 4117

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: 8360

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: 3881

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: 10070

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: 3051

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: 1714

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: 4977

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: 2920

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: 3787

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: 3662

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: 91
Views: 10706

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: 10132

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 oil every 6...
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: 10132

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: 12410

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: 3005

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: 1600

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: 10997

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: 6248

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: 1061
Views: 257108

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: 1637

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: 4901

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: 1002

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: 5577

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: 10761

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: 1670

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: 7856

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: 1501

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: 4815

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: 7551

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? Anyone else h...
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: 11425

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: 4754

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.