Search found 3052 matches

by stoptothink
Tue Jan 17, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 344
Views: 52310

Re: What are Costco's best deals?

Interesting point is that some modern cars will run on anything. Our son just purchased a 2017 VW Passat and it says it runs on regular-87. However, it states it will slightly increase the horsepower by using 91. Newer engines have powerful computing systems that will adjust the antiknock ability n...
by stoptothink
Sat Jan 14, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 1583

Re: 65k Cash. 25 y/o. Best place to put this?

Have you been accepted to medical school? It sounds like you haven't even been accepted yet, and you're thinking about buying a house? I would argue that no medical student should buy a house, let alone a resident. You're entering a period of your life where you might be moving multiple times in a ...
by stoptothink
Sat Jan 14, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 3063

Re: Stay in paid-off starter house vs. dream house+work a few more years

Just have to send a little "lol" here as I bought a home for the around same price with 20% down on a single income of approx 130k income in CA (high state tax). I still max out my Roth, and 401k and don't even feel strapped. So at 600k income I'd say yes, you can go for it. I agree, OP c...
by stoptothink
Sat Jan 14, 2017 8:34 am
Forum: Investing - Help with Personal Investments
Topic: 65k Cash. 25 y/o. Best place to put this?
Replies: 25
Views: 1583

Re: 65k Cash. 25 y/o. Best place to put this?

I currently have 65k cash in a 1% APY savings account. I'm 25 y/o planning to go to medical school within 2 years. Is this the best place to put this cash? I already have maxed out my Vanguard Roth IRA contributions. I have no house and am currently renting. Not sure if I should try to purchase a h...
by stoptothink
Sat Jan 14, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Stay in paid-off starter house vs. dream house+work a few more years
Replies: 51
Views: 3063

Re: Stay in paid-off starter house vs. dream house+work a few more years

Just have to send a little "lol" here as I bought a home for the around same price with 20% down on a single income of approx 130k income in CA (high state tax). I still max out my Roth, and 401k and don't even feel strapped. So at 600k income I'd say yes, you can go for it. I agree, OP c...
by stoptothink
Fri Jan 13, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 170
Views: 8718

Re: How much do you typically spend in a restaurant?

Wow! We've been gone from the States too long (or not long enough). We currently live in Spain, and have always been aware that food and drinks cost significantly less here. But the numbers people are putting up on this thread are a cold splash of water to someone who'll be heading back to the land...
by stoptothink
Thu Jan 12, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3642

Re: Weight machine vs free weight

Only one response mentioned finding a trainer. I'd say the first piece of "equipment" to get would be a qualified (i.e. certified) trainer. They can start you off at an appropriate level, progress the exercises, and mix up your routines to keep it interesting. There is so much wrong infor...
by stoptothink
Thu Jan 12, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 170
Views: 8718

Re: How much do you typically spend in a restaurant?

This is going to turn into the "how much do you spend on vacations" thread. The wife and I go out to eat once a year, for our anniversary to our favorite restaurant. Yes, once, and this has way more to do with health and the fact that I just don't enjoy it than money. It's a Brazillian chu...
by stoptothink
Thu Jan 12, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

For me, it isn't a dollar value, but more an experience value. I'd often rather camp on an uninhabited island than stay in a fancy hotel for 40x the price. Studies have shown that real, lasting happiness is derived from experiences, not "things". The joy of a new car quickly fades, much m...
by stoptothink
Wed Jan 11, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3642

Re: Weight machine vs free weight

To be clear - I am not against all fast lifts - just the fast lifts like dumbbell snatch. Dumbbell snatch always struck me as too much about the balancing and technique. I'd think barbell lifts - where balance was somewhat less an issue - made more sense. One-arm dumbbell snatches are definitely ea...
by stoptothink
Wed Jan 11, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Denied Checking Account by Citibank
Replies: 15
Views: 1852

Re: Denied Checking Account by Citibank

Are they like lexxis nexxis? What a clown show. I have a unique last name and am a junior. For my last 2 jobs, they could not verify who I am because some of their questions belong to my dad. Thinking that they are trying to trick me, when the list of addresses include a rental property that my dad...
by stoptothink
Wed Jan 11, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

... I think some of us spend way less during a year than some people spend on vacations. This goes to the ridiculous statement. It is hard for me to imagine spending $30k on vacations when I spent < on living. I am thinking the big buck vacations are from people wih family income> 200k . But maybe ...
by stoptothink
Wed Jan 11, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3642

Re: Weight machine vs free weight

Go with Powerblocks ... No weights have fallen off.... Can you do fast lifts with the Powerblocks? Like one-arm snatches from the ground? Or swings? Just curious. Never tried 'em. Yes. Because of their shape the grip is a little odd (especially a swing), but there shouldn't be any concern that a we...
by stoptothink
Wed Jan 11, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

I think we are having a semantic issue. I honestly don't see anything at all "vague". I gave a concrete example of items I have purchased. Also, it's clear that owning a guitar is less transitory than viewing the Eiffel Tower in person. In general, I'd prefer to own something I can experi...
by stoptothink
Tue Jan 10, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6424

Re: Affordable home exercise

FWIW, crunches should be a no-no for pretty much everybody; isolation and spinal flexion is not the way to develop strong core musculature and the crunch in general is inherently risky for your lumbar and neck. Are you warning against any crunches or about not doing them properly. Perhaps you can c...
by stoptothink
Tue Jan 10, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3642

Re: Weight machine vs free weight

You can do some very nice things with bodyweight exercises and kettlebells. If you want to build strength, free weights have some advantages. You can precisely control the amount of weight you're lifting, allowing for more effective progressive programming. With bodyweight, you can make things more...
by stoptothink
Tue Jan 10, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3642

Re: Weight machine vs free weight

There's more risk of injury with free weights as we age. The machines force you to use proper form (assuming you follow the directions on the machines, of course). That said, a set of adjustable-weight dumbbells are nice to have around the house for days when you just can't get to the gym. They don...
by stoptothink
Mon Jan 09, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

Zero dollars. I'd rather spend it on a nice car; at least it doesn't depreciate as quickly as a vacation (which goes to zero as soon as you get home). I notice here that spending a lot on a car is often disparaged, but vacation spending seems more popular. Why is one more wasteful than the other? E...
by stoptothink
Mon Jan 09, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

Zero dollars. I'd rather spend it on a nice car; at least it doesn't depreciate as quickly as a vacation (which goes to zero as soon as you get home). I notice here that spending a lot on a car is often disparaged, but vacation spending seems more popular. Why is one more wasteful than the other? E...
by stoptothink
Mon Jan 09, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

Zero dollars. I'd rather spend it on a nice car; at least it doesn't depreciate as quickly as a vacation (which goes to zero as soon as you get home). I notice here that spending a lot on a car is often disparaged, but vacation spending seems more popular. Why is one more wasteful than the other? E...
by stoptothink
Sat Jan 07, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 100
Views: 4509

Re: What monetary value has your education provided you?

I was reluctant to post, but maybe there are others who were not fortunate enough to get a college degree. If so, it's not the end of the world. There are plenty of opportunities out there for you. I was not able to get a degree because of a learning disability. I thought I was a complete failure. ...
by stoptothink
Sat Jan 07, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Doctors and retirement
Replies: 67
Views: 6995

Re: Doctors and retirement

One thing to consider here is that physicians rarely have pensions. What is the cash value of a COLA'd government pension with generous health care benefits? Pensions are rare in private sector jobs period. Outside of a few government employees, I don't think I know a single person with a pension.
by stoptothink
Fri Jan 06, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

What exactly are you debating? Blowing money on a sports car would increase my happiness way more than fancy vacations, but I am extremely unlikely to do either even though we can probably afford both (to an extent). The logistics of vacations usually result in me being much less relaxed than I am ...
by stoptothink
Fri Jan 06, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 100
Views: 4509

Re: What monetary value has your education provided you?

Honestly, I thought that my PhD was going to be a net negative financially; what exactly is someone with a PhD in obesity studies qualified to do? But, there is no way I would have even been considered for my current job without it. I'm very early into my career (35, finished PhD 4yrs ago), but my c...
by stoptothink
Fri Jan 06, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

Zero dollars. I'd rather spend it on a nice car; at least it doesn't depreciate as quickly as a vacation (which goes to zero as soon as you get home). I notice here that spending a lot on a car is often disparaged, but vacation spending seems more popular. Why is one more wasteful than the other? S...
by stoptothink
Fri Jan 06, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 182
Views: 11148

Re: Annual Vacation Budget

Family of 4, maybe $1k. We both travel a lot for work. I do not enjoy it, wife does. She usually "vacations" on the company dime; (California) Disneyland, (Florida) Disneyworld and Universal Studios, New Orleans, and Germany in the last six months. We visit my family in California probably...
by stoptothink
Thu Jan 05, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 6356

Re: spousal disagreement over how much house to buy

Didn't read the whole thread, but read the title and first thought was "happy wife, happy life" which probably sums up the answer pretty succinctly. Awful lot of people seem to be afraid of their wives. Glad my wife tells people she never met any man less afraid of women than me. Now to b...
by stoptothink
Thu Jan 05, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 6356

Re: spousal disagreement over how much house to buy

We bought our first home just over a year ago. At the time, this wasn't an issue, but I can foresee it being in the future. At time of purchase, price was 1.4x annual income (with a promotion and another raise, it is now 1.1x) and it was pretty much everything we were looking for. Walking commute fo...
by stoptothink
Wed Jan 04, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 5021

Re: Investing in a Masters and Ph.D?

Yes, I have a PhD, but the only people who address my mail with doctor are the people at my alma mater asking for money. I actually prefer not to be called doctor as some may assume that I am a medical doctor and think I am rich. On the other hand, I don't mind they calling me professor as this imp...
by stoptothink
Wed Jan 04, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6424

Re: Affordable home exercise

The best exercise equipment is your own body. Push ups, stretches, crunches, etc. This is true, if you can find ways to continue progressive overload. Any person with decent strength can't load enough weight on their back to continue making a traditional pushup good for strength development; it is ...
by stoptothink
Tue Jan 03, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 5021

Re: Investing in a Masters and Ph.D?

I pined for a Ph.D. for a time. But I have a non-doctoral terminal degree already, didn't like a lot of what I had to go through to get it, would have had to endure the worst parts again, and in retrospect probably would have damaged my prospects (unless I didn't tell anybody about it). I actually ...
by stoptothink
Tue Jan 03, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in a Masters and Ph.D?
Replies: 101
Views: 5021

Re: Investing in a Masters and Ph.D?

My anecdote, I entered my PhD program with the realization that it might be of zero value to me financially. I mean, whose going to hire someone with a PhD in Obesity Studies? It was a personal goal and I wanted to continue my obesity research which I had begun while getting my MS (almost completely...
by stoptothink
Tue Jan 03, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6424

Re: Affordable home exercise

I like the ab wheel too, but what do you mean by "standing"? Like from a plank roll out flat and back? Or are you really standing? Standing upright, instead of on your knees, bending over and rolling out to extension. Like this https://www.youtube.com/watch?v=5Tc7yKQysVQ. Sometimes I do i...
by stoptothink
Tue Jan 03, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Any TRX users?
Replies: 7
Views: 765

Re: Any TRX users?

Thanks....I do not need max power at age 61, but it seems as if it will fit the bill. I mix the cardio (bike) with some other stuff. Ed I pretty much echo everything Rodc and Alpfaspider said. I use them as a training tool for some secondary core stuff and also various things like dips. I definitel...
by stoptothink
Tue Jan 03, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 12
Views: 819

Re: Do you recommend using credit karma's tax product?

I'll let you know in a few weeks. I'm signed-up for it. We've been using Taxslayer for the last few years, which I don't particularly like. I do like free.
by stoptothink
Tue Jan 03, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Home upgrades, timing and cost
Replies: 10
Views: 693

Re: Home upgrades, timing and cost

This is very market dependent, but generally, unless you are adding something that isn't there that almost all buyers are expecting (such as a 2nd bathroom), you almost never get your money back with home renovations. The kitchen and bathroom remodel likely costs you 5-figures and gets you nothing i...
by stoptothink
Tue Jan 03, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 2634

Re: Large purchase anxiety!

I think the only large purchase where I didn't immediately have some form of buyer's remorse and/or anxiety was our home. It's happened with every car I've ever purchased (3 in almost 20yrs of driving), all my motorcycles (a very expensive hobby that I gave up when I decided to start a family), and ...
by stoptothink
Mon Jan 02, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4543

Re: Is it possible to graduate from college in 3 years?

That may have been good advice 4 decades ago. Again, the inflation-adjusted cost of tuition is astronomically higher than it was then. Unless you have someone else footing the bill, it is extremely hard to justify not getting it done as fast as possible. One extra semester may cost as much as a new...
by stoptothink
Mon Jan 02, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4543

Re: Is it possible to graduate from college in 3 years?

Sure it isn't all about the bucks, but I can think of about 1000 better (and cheaper to boot) ways for a young adult to smell the roses and gain life experience than spending an extra semester (or two or three) in college. Really? Sounds like we have somewhat different ideas of the purpose of colle...
by stoptothink
Sun Jan 01, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4543

Re: Is it possible to graduate from college in 3 years?

That may have been good advice 4 decades ago. Again, the inflation-adjusted cost of tuition is astronomically higher than it was then. Unless you have someone else footing the bill, it is extremely hard to justify not getting it done as fast as possible. One extra semester may cost as much as a new...
by stoptothink
Sun Jan 01, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4543

Re: Is it possible to graduate from college in 3 years?

It's possible but unless saving money is the primary concern, why not just take some additional courses in school or carry a lighter course load when taking more advanced and difficult classes? There is no real advantage to rushing through college when you can enjoy it. +10 In the 70's, I was on tr...
by stoptothink
Sat Dec 31, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6424

Re: Affordable home exercise

I like the ab wheel too, but what do you mean by "standing"? Like from a plank roll out flat and back? Or are you really standing? Standing upright, instead of on your knees, bending over and rolling out to extension. Like this https://www.youtube.com/watch?v=5Tc7yKQysVQ. Sometimes I do i...
by stoptothink
Sat Dec 31, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6424

Re: Affordable home exercise

A good thing to pair with a pullup bar is an extension trainer. TRX is overpriced, but I like the Lifeline Jungle Gym. $49 from the manufacturer or you can often find them on Amazon for less. https://www.lifelinefitness.com/store/products/ProductDetail.php?ProductID=684 I've used mine mainly for re...
by stoptothink
Sat Dec 31, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Gratification In Life & its fallacies
Replies: 56
Views: 5709

Re: Delayed Gratification In Life & its fallacies

Our society is weird in my opinion. It seems like it's okay to post about vacations on Facebook but tacky to post about your balance in retirement accounts. Do you really want other people to know how much money you have? Talking about it here, on a board of strangers is one thing. I agree about th...
by stoptothink
Sat Dec 31, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Gratification In Life & its fallacies
Replies: 56
Views: 5709

Re: Delayed Gratification In Life & its fallacies

I think the "fallacy" is believing you have to spend money to enjoy good things, friends, family, etc... The best things in life aren't 'things'. Travel can be an expensive luxury, but not everybody likes it. Personally I've managed to do quite a bit of traveling through work, enjoyed it,...
by stoptothink
Thu Dec 29, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly Expenses in line or too much
Replies: 81
Views: 6872

Re: Monthly Expenses in line or too much

MCOL area, two young children (4.5 and 19 months), our total monthly expenses are ~4k/month. This includes $1500/month in childcare, a little extra on our 15yr mortgage (currently autopay set at $1300), and paying out of pocket for my wife's college ($6k/yr). The total of our HOA, utilities, car exp...
by stoptothink
Wed Dec 28, 2016 3:05 pm
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 5033

Re: TV in the bedroom?

Didn't read the rest of the thread, just throwing my anecdote out there. We bought a nice TV this past spring, previous to that we had a 37" TV that my wife has had over a decade. The old TV is now in our master bedroom. It has been turned on zero times in ~8 months. We just offered it to my BIL.
by stoptothink
Tue Dec 27, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4543

Re: Is it possible to graduate from college in 3 years?

The kids at schools like you are considering for your son often have no desire to graduate early; they busted butt to get in, why rush to leave (assuming no financial necessity). Reality is, with the cost of school now, finishing as soon as possible is a financial necessity for most students, even ...
by stoptothink
Mon Dec 26, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 4543

Re: Is it possible to graduate from college in 3 years?

I did it in 3.5, with a double major, while playing football. Allowed me to get almost halfway through my MS on the school's dime (football scholarship). This of course, was 15yrs ago and athletes get first crack at classes.
by stoptothink
Mon Dec 26, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 10759

Re: At what age, income, and NW would you buy a $50k car?

Is 50k a lot? My slightly used Honda minivan was into the $40ks... It is pretty crazy how quickly the price of a vehicle goes up. We're likely buying a new car next summer (essentially settled on a '17 VW jetta), we've already had OTD offers for <$16k for exactly what we want. We have considered ge...

Go to advanced search