Search found 3327 matches

by stoptothink
Wed May 24, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate tax benefit of owning a home
Replies: 27
Views: 1116

Re: How to calculate tax benefit of owning a home

I frequently here people talking about the tax advantages of owning a house. From my situation there is very little tax benefit from owning a home. My mortgage interest, property taxes, and home insurance add up to $14,000 per year. I am married so the standard deduction that we give up is $6350x2=...
by stoptothink
Tue May 23, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4231

Re: At what point to buy new car for safety

I test drove a new car with all the newest safety features earlier this year and found it completely distracting and annoying, especially the lane departure warning and intervention systems. With narrow roads and curves, I found it signalling quite often when I wasn't in any danger of leaving my la...
by stoptothink
Tue May 23, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 3944

Re: Has anyone tried Orangetheory Fitness

Orange Theory is an intense (1) hour work out. I would not call it social unless social is categorized as having someone running next to you at 7 speed on a treadmill when you are so out of breath that you can't chat. There might be a little socialization before or after class but no social interac...
by stoptothink
Mon May 22, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 3944

Re: Has anyone tried Orangetheory Fitness

I've been in this industry for 13+ years and from what I can tell, some people have an integrated focus to be fit and healthy. These "Health Seekers" are the Class A folks...the people who actively seek out being healthy, regardless of any social component. There there's the Class B group...
by stoptothink
Mon May 22, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 3944

Re: Has anyone tried Orangetheory Fitness

I'm a (formerly licensed) Physical Therapist. (masters degree, I just no longer practice) Assuming you are in generally good health, might I make a recommendation for a program that I am in no way affiliated with or have any financial ties? Jeff Cavaliere is a physical therapist and former trainer ...
by stoptothink
Mon May 22, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 3944

Re: Has anyone tried Orangetheory Fitness

I'm a (formerly licensed) Physical Therapist. (masters degree, I just no longer practice) Assuming you are in generally good health, might I make a recommendation for a program that I am in no way affiliated with or have any financial ties? Jeff Cavaliere is a physical therapist and former trainer ...
by stoptothink
Mon May 22, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 3944

Re: Has anyone tried Orangetheory Fitness

My firm designs websites and custom software for a well known fitness non-profit. The amount of time and energy put into member retention is really high. The typical user will last 3 to 6 months, with an additional X number of months of credit card/bank account drafts before cancellation. OT Fitnes...
by stoptothink
Mon May 22, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4231

Re: At what point to buy new car for safety

I would take the data on informedforlife.org with a few shakers of salt. They show huge differences between cars that should be fundamentally identical (e.g. Subaru Legacy vs Outback) because they have different driver characteristics. Similarly, they show the Camaro as the worst car in their combi...
by stoptothink
Mon May 22, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 3944

Re: Has anyone tried Orangetheory Fitness

Great workout and vey challenging especially for a 55 year old. The $140 monthly fee is definitely an incentive to attend classes First useful response in the thread. The statement that paying 5-10x more to go there than the average commercial gym is motivation to exercise was the first useful resp...
by stoptothink
Mon May 22, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4231

Re: At what point to buy new car for safety

For someone who lives an active, healthy lifestyle how would you put $20k towards preventing cancer? "Active and healthy" is very subjective. Considering the multitude of risk factors involved in cancer, this could be better food overall, regular preventive care, a personal trainer, a bic...
by stoptothink
Mon May 22, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 2373

Re: What goes in your smoothie?

Any recommendations on smoothies geared for weight gain in the elderly? Thanks Add peanut butter and/or protein powder to just about any smoothie. You want to add calorie-dense ingredients. Avocado and whole nuts would be other good choices. You can even directly add avocado or almond oil. Both are...
by stoptothink
Mon May 22, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4231

Re: At what point to buy new car for safety

I'm definitely in the minority on this board, as frankly I think we are way into the realm of diminishing returns on safety now. I wont repeat it all, but look at the chart I posted last week: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=219066&p=3374613#p3374305 https://scontent.f...
by stoptothink
Mon May 22, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Has anyone tried Orangetheory Fitness
Replies: 45
Views: 3944

Re: Has anyone tried Orangetheory Fitness

Great workout and vey challenging especially for a 55 year old. The $140 monthly fee is definitely an incentive to attend classes First useful response in the thread. The statement that paying 5-10x more to go there than the average commercial gym is motivation to exercise was the first useful resp...
by stoptothink
Sun May 21, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendation for large family
Replies: 32
Views: 1639

Re: Vehicle recommendation for large family

About four years ago we realized that we were way overpacking for all of our trips (both car trips and international trips) and got smart about it. We used to have to put a huge Thule box on top of the Suburban for any trip and now only do if we have to carry skis/boots/poles for the whole family i...
by stoptothink
Thu May 18, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Life's big ticket items to save for
Replies: 37
Views: 2788

Re: Life's big ticket items to save for

Thanks all. Just wanted to be sure I hadn't missed anything and stumble upon an OH SXXT! moment 10 years down the road. How do people feel about having kids paying their own way through college? I paid for mine, albeit it not being in the US and hence a lot cheaper in my home country. I worked part...
by stoptothink
Thu May 18, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Life's big ticket items to save for
Replies: 37
Views: 2788

Re: Life's big ticket items to save for

There is tremendous variation depending on what kind of school you choose, health insurance, college etc, as well as your own income. Whether you are saving for a down payment on a house, your next car, or kids college, it all comes from the same portfolio. I think the biggest thing is just to star...
by stoptothink
Thu May 18, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1547

Re: should I tip repairman for TV?

Most of the people on this forum I would guess won't be adversely affected by giving a tip. It could mean a lot more to the recipient. Tomorrow I am going to walk around my office with a wad of cash and tip all of my employees, because I make more than them so the money means more to them than it d...
by stoptothink
Thu May 18, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1547

Re: should I tip repairman for TV?

Many of you have been doing better than I have the last few years. Gifting $500 would adversely affect very many on this board. PM me and I will send you routing instructions. It will mean more to me than you. JT +1. I have been told (snarkily) several times on this board that I am very underpaid f...
by stoptothink
Wed May 17, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1547

Re: should I tip repairman for TV?

Most of the people on this forum I would guess won't be adversely affected by giving a tip. It could mean a lot more to the recipient. Tomorrow I am going to walk around my office with a wad of cash and tip all of my employees, because I make more than them so the money means more to them than it d...
by stoptothink
Tue May 16, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3325

Re: How much to tip movers?

I have a lot of heavy stuff like books, records, CDs, etc., so I error on the side of tipping super generously -- $120 to $150 per guy for a 4-hour move. That is more than most professionals in this country make total, just in tips, for moving books, records, and CDs? I've moved couches and even pi...
by stoptothink
Mon May 15, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Work Colleague Wedding Group Gift: How Much ?
Replies: 8
Views: 768

Re: Work Colleague Wedding Group Gift: How Much ?

If I were you I wouldn't contribute anything, but I also wouldn't eat any of the wedding cake either. I realize someone other then your newly married colleague is organizing this, but this strikes me as a shameless plot to grab money gifts (beyond the cost of the cake) from co-workers for an inform...
by stoptothink
Sat May 13, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3325

Re: How much to tip movers?

Why would someone not tip movers? It's hard work for little pay. Offer them soda too. You probably tip whoever cuts your hair. Don't understand some people. The same reason you don't tip everybody who does hard work for little pay. I easily avoid all of these issues, by doing all of these things my...
by stoptothink
Sat May 13, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18020

Re: Why save so much for when you're old?

I guess it's because we would rather pay for a mortgage than rent, but can't afford home ownership. And when you walk down a street of houses, every single one of them has to have a owner! That and at work a lot of people seem to have luxury cars, and they're only slightly senior to us in terms of ...
by stoptothink
Sat May 13, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 17018

Re: Buying a luxury car (how dumb would it be to do this?)

To the OP. It seems I misunderstood your initial post. My reading said to me "not even close to providing for retirement and kids' education". If in fact you have those funded and in any case could pay for kids education out of current cash flow, then you are in a very different situation...
by stoptothink
Fri May 12, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 7711

Re: Tesla Solar Roof

Our electric bill is so low, our payoff would be about... never. And I like the thought of saving energy and money and generating your own electricity, and all that. But alas, ROI dominates. +1. Ours ranges from $15 to a high of ~$70/month in the summer. Don't know what others are doing to use so m...
by stoptothink
Fri May 12, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 7711

Re: Tesla Solar Roof

Our electric bill is so low, our payoff would be about... never. And I like the thought of saving energy and money and generating your own electricity, and all that. But alas, ROI dominates. +1. Ours ranges from $15 to a high of ~$70/month in the summer. Don't know what others are doing to use so m...
by stoptothink
Fri May 12, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 7711

Re: Tesla Solar Roof

+1. Ours ranges from $15 to a high of ~$70/month in the summer. Don't know what others are doing to use so much more electricity (thermostat set really low in the summer, all day?), but from my perspective, it sure does seem like these are decades away from making financial sense for almost anybody...
by stoptothink
Fri May 12, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Tesla Solar Roof
Replies: 81
Views: 7711

Re: Tesla Solar Roof

Our electric bill is so low, our payoff would be about... never. And I like the thought of saving energy and money and generating your own electricity, and all that. But alas, ROI dominates. +1. Ours ranges from $15 to a high of ~$70/month in the summer. Don't know what others are doing to use so m...
by stoptothink
Fri May 12, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 38
Views: 2485

Re: Does a new car purchase make sense?

If you have to have the latest and greatest in safety then you are never going to be satisfied because EVERY year the cars improve. 1970 cars where safer than 68's, 1980 cars where safer than 75's, and so on. Just look at all the safety innovations that have happened already, one has to wonder when...
by stoptothink
Thu May 11, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 38
Views: 2485

Re: Does a new car purchase make sense?

What safety concerns do you and your family have about the current car? Have you verified them by checking the NHTSA ratings ? You'll probably get better responses if you share more information about the car. FWIW, my daily driver is a compact that's 12 years old. It has ABS, front air bags, and pr...
by stoptothink
Thu May 11, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18020

Re: Why save so much for when you're old?

My SO and I work in the Bay Area and gross approx $190-$200K before ESPP/RSUs. We pay $2k monthly rent for a 1br/1ba for a location 50 miles south of San Francisco and don't feel like we would be able to afford a house here any time in the near future. I honestly don't know how this compares to oth...
by stoptothink
Thu May 11, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18020

Re: Why save so much for when you're old?

My wife and I only gross about 160k combined and yet we manage to dine out weekly, attend plenty of concerts and plays, travel relatively lavishly (annual two week trips to either the west coast and Europe while staying at well appointed Airbnb properties + a week at the beach + multiple long weeke...
by stoptothink
Thu May 11, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Can We Afford to Move-In
Replies: 28
Views: 2533

Re: Can We Afford to Move-In

Hello fellow Bogleheads: My partner and I are considering moving in together sometime this year. However, doing a rough estimate of what we can afford is giving me concern. See below: $126,400 - income - $31,900 - taxes $94,500 - after-tax income - $30,000 - living expenses (includes health insuran...
by stoptothink
Wed May 10, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2585

Re: Samsung or LG tv?

At this point they are mostly commodities so I would buy on price, picture and features. This. You can get a really nice 55" 4k for ~$400. We have a 55" TLC Roku TV and my parents bought a 55" Samsung curved (I think 6500) for more than twice the price shortly after. Can I tell the d...
by stoptothink
Tue May 09, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7213

Re: Stay home with kids?

Guess who will be there to drop her off and pick her up every day?....Me. So, where is the benefit? I have near total autonomy to work from home if I so choose, throughout the entire summer if I wish. So, again, where is the benefit? All I said was that in our situation one of us staying home provi...
by stoptothink
Tue May 09, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7213

Re: Stay home with kids?

The OP is not saying that there's no utility in spending time with kids, but that there's no utility in spending time at home when the children aren't home. You are incorrect. The poster said..." there is no utility in having one of us stay home once they reached school age ." My point is...
by stoptothink
Tue May 09, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Can someone explain LA to me?
Replies: 11
Views: 1800

Re: Can someone explain LA to me?

As someone who grew up in LA and now lives just south of Salt Lake, I'm going to grab a bucket of popcorn and watch the fireworks. The quality of life and the opportunity for average earners to achieve it (IMO) is so much higher here that is just nuts to me that anybody would stay there. I still hav...
by stoptothink
Tue May 09, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7213

Re: Stay home with kids?

I just don't see the purpose or utility in being a stay-at-home parent when your children are of an age to attend school. It makes no sense to me. Because of my part-time schedule, I was able to take time off to chaperone school field trips, teach them to drive (we made our kids keep their learners...
by stoptothink
Mon May 08, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 7213

Re: Stay home with kids?

At the end of the day, finances aside, there's only one question to answer: can you mentally handle the kids full-time, day-in and day-out? I love my little guy, and learned during the two weeks of paternity leave that I couldn't do it all day for 12+ hrs. At least not alone. Some parents can. Sure...
by stoptothink
Sun May 07, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 3818

Re: Best salads

Health, nutrition, and fitness are my career. I view food as fuel. To me, the results are more important than making eating decisions about what I would think tastes best. To each their own. Yup, you've made your views pretty well known here. I believe it's possible to both enjoy food and eat healt...
by stoptothink
Sun May 07, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Mazda CX3 lease... is this a good deal
Replies: 22
Views: 1700

Re: Mazda CX3 lease... is this a good deal

First of all .... THANK YOU for everyone's comment . .. I should have provided more info 1. This vehicle may satisfy 2 purposes... the first is a vehicle for my son to drive during his last 3 yrs of high school ... he should end be able to stay under 15k going to school practice work Don't know abo...
by stoptothink
Sun May 07, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 3818

Re: Best salads

I'm a big fan of kale ....said no one, ever. Oh, wait. If I really wanted to be that healthy, I'd rather just throw some Vitagummies on my salad. Yum! I eat a few pounds of kale a week. We prepare almost all our food for the week on Sunday and put them in Tupperware in the fridge; almost all are sa...
by stoptothink
Sun May 07, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 3818

Re: Best salads

I eat a few pounds of kale a week. We prepare almost all our food for the week on Sunday and put them in Tupperware in the fridge; almost all are salads. Kale is generally the base, with other cut up veggies and whatever meat I have slow-cooked that week. Even my 2 and 5yr olds eat kale, a lot of i...
by stoptothink
Sun May 07, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 3818

Re: Best salads

I'm a big fan of kale ....said no one, ever. Oh, wait. If I really wanted to be that healthy, I'd rather just throw some Vitagummies on my salad. Yum! I eat a few pounds of kale a week. We prepare almost all our food for the week on Sunday and put them in Tupperware in the fridge; almost all are sa...
by stoptothink
Sat May 06, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18020

Re: Why save so much for when you're old?

I have two very good reasons. My in-laws have lived with us for much of the past year and it is only a matter of time before they move in permanently. My FIL is 60 and still works full-time, but they can barely cover their bills let alone make any progress on their debt. During my wife's childhood h...
by stoptothink
Thu May 04, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Would you exchange a 2001 4Runner for a 2007 Santa Fe?
Replies: 33
Views: 1857

Re: Would you exchange a 2001 4Runner for a 2007 Santa Fe?

I once asked my mechanic about owning a Hyundai. He said that he loved customers' Hyundais because they were in the shop a lot. :shock: However, he owned Hondas and Toyotas for his own family. Not speaking to this specific situation, but Hyundais have the best warranty in the business and have very...
by stoptothink
Thu May 04, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 91
Views: 13346

Re: WOW fantastic Cars in the Wild

I've run into my boss at WalMart on two separate occasions, he's worth a few hundred million. He also drives his accord or Dodge ram there himself - the Gulfstream stays in the hangar. Apparently this is a very regional thing. Excellent point. I also know people that make $200k that get their groce...
by stoptothink
Wed May 03, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 17018

Re: Buying a luxury car (how dumb would it be to do this?)

Can you afford it? I doubt anybody is going to say no. Should you? I wouldn't, but I am one who views cars as appliances. This is a decision which isn't really about money (there is plenty).
by stoptothink
Wed May 03, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How quick is too quick for a job offer?
Replies: 29
Views: 3276

Re: How quick is too quick for a job offer?

My anecdote: I recently interviewed 30+ people for two senior technical writing positions. Several of the people I interviewed twice. The two people that I ended up hiring, and they both start in 1.5 weeks, were only interviewed once. They were both my top two candidates based upon resume and writin...
by stoptothink
Tue May 02, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 213
Views: 17881

Re: Where to Live on $60K or Less a Year?

I believe I recall OP posting this before. As a resident of Utah, there are a ton of areas here which fit the bill (household of 4 and our total annual household expenditures is well under $60k), but Ogden may be the single least desirable area in the state to live in. Just curious what is undesira...

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