Search found 3418 matches

by stoptothink
Tue Jul 25, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 22
Views: 1267

Re: Post Nuptial agreement guaranteeing alimony?

How does your husband feel about this? I say this as someone who liquidated most of their life savings to pay off their (ex) wife's undergrad loans and put them through dental school debt-free. She was not happy (to say the least) that I even brought it up...then 5yrs later we divorced a few weeks b...
by stoptothink
Tue Jul 25, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 96
Views: 6919

Re: Anyone else extremely frugal?

I can honestly say I was completely wrong and she was completely right. This has been proven to me time and time again in various work and social circumstances - people from my past often do a double take when they see me, even though I'm the exact same weight and size that I was when I was age 18....
by stoptothink
Mon Jul 24, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 96
Views: 6919

Re: Anyone else extremely frugal?

Frivolous: - I buy books. I agreed with almost all your frugal and frivolous choices, but I get all my books through the library. I can't imagine buying the 50+ books I read every year. I don't buy all the books I read. Mostly, I buy non-fiction books that I find particularly impactful and that I p...
by stoptothink
Mon Jul 24, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 96
Views: 6919

Re: Anyone else extremely frugal?

I'm one of those that doesn't find the cost of travel particularly worth it. I would much rather train and participate for in a big race like a marathon or ironman - much more satisfaction for me. +1. I travel plenty with work. I simply do not enjoy it and have almost no interest in doing it in my ...
by stoptothink
Mon Jul 24, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 96
Views: 6919

Re: Anyone else extremely frugal?

I have been extremely frugal. While finishing school, '10-'13, I lived off of <$10k/yr total. This meant living in a manner which isn't often seen in this country; ie. turning off electricity, commuting 100% by bike, using the school gym for showering. Now with two kids and a good income (and a wife...
by stoptothink
Sun Jul 23, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 100
Views: 5215

Re: What advice to give 21 year old?

I'm not sure how people are comparing doctors and software engineers incomes. One barely breaks 6 figures while the other (especially with dual income where most doctors marry their own) can break 7 figures. Because OP's son is likely going into a specialized field, in a VHCOL area, and is a supers...
by stoptothink
Sun Jul 23, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 3848

Re: How much electricity are you using and how expensive it is?

I don't think my data is going to help you. Focus on what you can control. The audit is a great place to start. That said, my 4400 sq ft house costs about $300 a month in the summer (A/C mostly) and $40 a month in the winter (heating is gas.) May is always a really great month utility wise- no long...
by stoptothink
Sun Jul 23, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 3848

Re: How much electricity are you using and how expensive it is?

I don't think my data is going to help you. Focus on what you can control. The audit is a great place to start. That said, my 4400 sq ft house costs about $300 a month in the summer (A/C mostly) and $40 a month in the winter (heating is gas.) May is always a really great month utility wise- no long...
by stoptothink
Fri Jul 21, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: Do you find financial advisors to be all that bright?
Replies: 53
Views: 4579

Re: Do you find financial advisors to be all that bright?

One of my closest friends is a financial advisor, an extremely successful one. He's quite bright, but his knowledge about personal finance is pretty limited and he has no formal education in the subject. With my limited knowledge, I can talk circles around him when it comes to the topic. He still ma...
by stoptothink
Thu Jul 20, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6221

Re: Cheap eggs... how bad?

I kind of feel like this whole debate about egg yolks being good for you or not can go both ways... It's like the never-ending research on whether coffee or chocolate is good for you. Even though you may eat a lot of eggs, it could just be that you're not genetically inclined to have high cholester...
by stoptothink
Wed Jul 19, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3179

Re: Essential Bike (bicycle) Accessories

Trailer to pull kids? Possibly the single most valuable consumer product (from a quality of life standpoint) I ever purchased. Then there are cargo bikes and Dutch-style "bakfiets" to consider. I love the way this new US bakfiet company is marketing their product: Less about getting exerc...
by stoptothink
Wed Jul 19, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3179

Re: Essential Bike (bicycle) Accessories

Trailer to pull kids? Possibly the best $150 I ever spent (from a quality of life standpoint). I no longer race, so I sold my triathlon/TT bike and bought a cyclecross rig and a trailer. My 5 and 2yr old have grown up inside that trailer. I'll throw them in there about twice a week and just cruise ...
by stoptothink
Tue Jul 18, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 4814

Re: My Costco/TrueCar auto shopping experience

Kenkat wrote:Last new car I bought I got for $1400 below the TrueCar quoted price.


We bought in February and got over $3k off TrueCar price...on a $14k (OTD) car.
by stoptothink
Tue Jul 18, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 207
Views: 14115

Re: Buying house - Very important decision

With limited information, it does seem more reasonable for your needs. As much as you have it within yourself to ignore the possibility of your rent increasing, answer this question: Do you want this house? Honestly, we feel it as a compromise as the house does not have backyard and we are concerne...
by stoptothink
Tue Jul 18, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 207
Views: 14115

Re: Buying house - Very important decision

prettybogle wrote:After more searching, we found an almost new house, 2016 built, 2455 sqft, 4 bed 3 bath and a office room. But there is no backyard and garage is detached. Good schools and close to work. Will really appreciate feedback please!


You left out the most pertinent information: cost.
by stoptothink
Tue Jul 18, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3179

Re: Essential Bike (bicycle) Accessories

lightheir wrote:The OP actually needs 0% of the stuff above.


I have noticed a trend in this thread: those of us who ride a lot are the ones suggesting that very few of these essentials are essential.
by stoptothink
Mon Jul 17, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: kitchen appliance recommendations, esp refrigerator
Replies: 32
Views: 1935

Re: kitchen appliance recommendations, esp refrigerator

I simply cannot see the value relationship of buying SubZero, Wolf, Miele etc unless you have plenty of money to burn, run a busy commercial establishment or are a slave to prestigious brand names–but that's me. +1. My parents redid their kitchen about 2yrs ago, including a high-end (I believe Wolf...
by stoptothink
Mon Jul 17, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3179

Re: Essential Bike (bicycle) Accessories

Interesting to see the range of answers, many of which are quite different that what I was thinking. I've put many tens of thousands of miles on bikes the last two decades, even going almost two years without a car in downtown Houston (commuting 150+ miles per week), and spent a handful of years ra...
by stoptothink
Mon Jul 17, 2017 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 100
Views: 5215

Re: What advice to give 21 year old?

I have 2 other kids who have some skills in a CSish area, but they don't have the focus that this 21-year old does, nor the particular skills that are in such high demand, and I'm well aware that their trajectories will be different. Would that it weren't so, but c'est la vie. You never know, it co...
by stoptothink
Mon Jul 17, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2252

Re: How Much Would You Spend on a Blender?

We use a blender daily, one I purchased approximately a decade ago for ~$20 at Walmart (it's a Hamilton Beach, I have no idea which model). I've also used Vitamixes and Blendtecs (at my parents and in-laws) hundreds, if not thousands of times. I personally see no added value in spending 20x as much,...
by stoptothink
Mon Jul 17, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 100
Views: 5215

Re: What advice to give 21 year old?

When talking about kids in CS or the like, only a very select few will start out in the same stratosphere compensation-wise. My post wasn't to denigrate physicians or their training at all, but if you think the financial opportunities in medicine aren't still appealing to the most brilliant recent ...
by stoptothink
Sun Jul 16, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 100
Views: 5215

Re: What advice to give 21 year old?

And with those opportunities, we still see equally or even brighter students going to med school, borrowing 250K, then doing 5-6 years residency, coming out at over age 30, no savings, to start at $180-225K for family practice or internal medicine, maybe 350K surgical. More and more they are notici...
by stoptothink
Sun Jul 16, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 100
Views: 5215

Re: What advice to give 21 year old?

And with those opportunities, we still see equally or even brighter students going to med school, borrowing 250K, then doing 5-6 years residency, coming out at over age 30, no savings, to start at $180-225K for family practice or internal medicine, maybe 350K surgical. More and more they are notici...
by stoptothink
Fri Jul 14, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: UGMA/UTMA how much is too much?
Replies: 38
Views: 1547

Re: UGMA/UTMA how much is too much?

If we're considered too "rich" (although I don't feel rich at all) to qualify for financial aid, that's fine. I'll do what I can to fund. I haven't done much research on financial aid or loans. It's way too far and may not even be necessary if he's not college bond. All I know is that mon...
by stoptothink
Fri Jul 14, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6221

Re: Cheap eggs... how bad?

I get eggs from the supermarket and eggs from a couple of friends who raise hens.. As much as it is popular to stay that the home raised eggs are so much more tasty, they are not. My wife swears that she can tell the difference but she is generally wrong when I do a side by side BLIND taste test. T...
by stoptothink
Thu Jul 13, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6265

Re: Shopping for first bike since I was a kid

I ride bikes competitively in triathlon and occasionally road racing, so very functional components that respond crisply and well (far in excess of what a casual rider would need) is very important to me. I'm not exaggerating when I say that my rock bottom Shimano 2200 entry-level group set on my e...
by stoptothink
Thu Jul 13, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6221

Re: Cheap eggs... how bad?

There is a difference, but you won't see it between grocery chains. We live in a town with lots of family farms, once in a while for a treat my wife will get eggs from the local farmer... around $2-$4 a dozen. The yolks are not yellow, they are dark orange. And the flavor is so different grocery st...
by stoptothink
Thu Jul 13, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6221

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by stoptothink
Wed Jul 12, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13051

Re: Costco with a "gentle" bump for memebership

Do you Costco regulars go out to the rest of the world and do any hard core price comparisons? On things you actually buy? I think the reality is that they generally don't, and that it is area-specific anyway. I don't get this. Do Costco shoppers turn off their brains? I doubt it. I don't. I have a...
by stoptothink
Wed Jul 12, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 6693

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

Without a doubt, a burden. I turned down a job which would have paid nearly 50% more than my current position to start, because I would have had to travel a ton (turned out to be one of the best decisions I ever made). I have this conversation with my boss (who travels ~275 days a year) at every qua...
by stoptothink
Wed Jul 12, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13051

Re: Costco with a "gentle" bump for memebership

Do you Costco regulars go out to the rest of the world and do any hard core price comparisons? On things you actually buy? I think the reality is that they generally don't, and that it is area-specific anyway. I don't get this. Do Costco shoppers turn off their brains? I doubt it. I don't. I have a...
by stoptothink
Wed Jul 12, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13051

Re: Costco with a "gentle" bump for memebership

Do you Costco regulars go out to the rest of the world and do any hard core price comparisons? On things you actually buy? I think the reality is that they generally don't, and that it is area-specific anyway. I was a Costco member (mother would keep me on family plan as a birthday gift) while livi...
by stoptothink
Tue Jul 11, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13051

Re: Costco vs. other wholesale clubs

This is why I would never shop at Walmart. They trash their customers and U.S. businesses, and taxpayers, since their employees often have to resort to public assistance due to the low wages. I don't understand this. Wouldn't your line of thinking also apply to virtually EVERY grocery store, gas st...
by stoptothink
Tue Jul 11, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 6265

Re: Shopping for first bike since I was a kid

I have also seen a couple mentions here and online for Nashbar brand bikes. Any additional comments on those? I have two bikesdirect bikes. Love them, much cheaper then the bike shop and are solid bikes. They are made in the same factories as most name brands. There is some work involved to put it ...
by stoptothink
Tue Jul 11, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11950

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

My youngest daughter (22) just got engaged. She says the bf's parents are unwilling to help at all,but their side of the guest list is more than double ours (45 to 20). They have about $7k saved up and are trying to keep costs down. Rather obvious our side was whittled down towards that objective. ...
by stoptothink
Tue Jul 11, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 2835

Re: instant pot [Pressure cooker]

We have thought extensively about getting one, even put one in our Amazon cart a few times and borrowed my mom's several times, but we've decided that with our lifestyle it simply doesn't provide anything our trusty crockpot doesn't already. It's cool that it can greatly decrease cooking time, but c...
by stoptothink
Mon Jul 10, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11950

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

I will say, as a wedding guest, I truly appreciate big and expensive affairs. Attending a wedding with great food, free flowing drinks and good music is much more fun than attending a cheapo wedding. Do you give a proportionately larger gift when you attend weddings with great food, free flowing dr...
by stoptothink
Mon Jul 10, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 4690

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

The world health organization has stated that deli meats and other processed meats are carcinogens. Another reason why I am hesitant to make my own deli sandwiches. It takes some determination, but you can find bacon, sausage, hot dogs, and deli meats that are uncured and do not have nitrates or ni...
by stoptothink
Mon Jul 10, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 4690

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

What was that about beets above? I found this: Q: Are beets really nutritious? A: Beets are a great nutrient-rich vegetable with low calorie content despite their sweet taste. They are an excellent source of folate, a B vitamin that is heart-healthy and, because of its role in producing and repairi...
by stoptothink
Sun Jul 09, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 4690

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

The referenced article is a little misleading in my opinion. As most articles of this type are. It throws out the statistic that eating processed meats has been proven to increase your likelihood of getting colorectal cancer 18%. Then it goes on to say that the actual risk of developing the cancer ...
by stoptothink
Sat Jul 08, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 3581

Re: Buy a vehicle cash or finance?

I don't understand paying twice as much for a vehicle then paying more for insurance/gas/maintenance for space you might need in rare events. If we ever really need a larger vehicle, I'd rent one. We all waste money on things we don't need, it is just more accepted (actually expected) in the U.S. t...
by stoptothink
Sat Jul 08, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 3581

Re: Buy a vehicle cash or finance?

I am VERY impressed you amanaged a road trip with kids in a CUV. When my wife got pregnant with our twins I drove a hatchback and she a Corolla. I resisted buying something larger but when we tried mounting two car seats in the corolla and I saw that would put the steering wheel in my lap I gave in...
by stoptothink
Fri Jul 07, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 3581

Re: Buy a vehicle cash or finance?

I'm baffled by all of the suggestions to buy a minivan or 3-row SUV. This advice is pure insanity in my opinion. The OP's first child isn't even born yet and there may not even be a second child in the future. Even if there is a second child 5 years from now, there is absolutely no need for a miniv...
by stoptothink
Fri Jul 07, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11950

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

I've always thought that guests should pay to attend the weddings - maybe by buying tickets. Why should you expect other people to pay for something that you would not be willing to pay for?..... My guess is very few people would be willing to pay the per person cost if it had to come out of their ...
by stoptothink
Fri Jul 07, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Buy a vehicle cash or finance?
Replies: 58
Views: 3581

Re: Buy a vehicle cash or finance?

What would you do? And why? Not what you're asking but I'd also recommend carefully reconsidering the vehicle choice for reasons stated above and not rushing the decision. Make sure you're buying based on what you're looking for versus trying to justify a decision you've already made. This. If you ...
by stoptothink
Tue Jul 04, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 12816

Re: Bogleheads: you should be buying 10-year old cars

I agree with this. There is a bathtub curve with a car. In the first few years (1-5) you get hit with depreciation and fixing any manufacturing/design/recall issues. Then repairs start to get equally costly in the later years (15-20). The sweet spot is 5-15. (I think many posters are thinking of th...
by stoptothink
Mon Jul 03, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13051

Re: Sam's Club vs. Costco

I am not debating the genius of Walmart and it was genius to place so many stores in areas where they became a godsend. I am simply saying people that have a choice and definitely higher income,do not have Walmart on the top of their list .Of course everyone is different so I am speaking in general...
by stoptothink
Mon Jul 03, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13051

Re: Sam's Club vs. Costco

I am not debating the genius of Walmart and it was genius to place so many stores in areas where they became a godsend. I am simply saying people that have a choice and definitely higher income,do not have Walmart on the top of their list .Of course everyone is different so I am speaking in general...
by stoptothink
Sun Jul 02, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13051

Re: Sam's Club vs. Costco

I am not debating the genius of Walmart and it was genius to place so many stores in areas where they became a godsend. I am simply saying people that have a choice and definitely higher income,do not have Walmart on the top of their list .Of course everyone is different so I am speaking in general...
by stoptothink
Sun Jul 02, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Can't find houses less than 3.3x income. Can we afford it?
Replies: 40
Views: 4437

Re: Can't find houses less than 3.3x income. Can we afford it?

Is that because you always are trying to do better and because your bosses keep giving you more and more challenging problems to work on? Or because you are making mistakes at work and your bosses have cautioned you that you need to improve? Do you like what you do? Have you had raises/promotions? ...

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