Search found 3797 matches

by stoptothink
Mon Feb 19, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13635

Re: What is the best home exercise equipment?

Brand new kit. I don't understand all the metrics (sorry my bad, haven't yet gone through their website) - but here are screenshots of my performance. 30 minutes each. What does each of them mean ? How am I doing ? Day 1 https://i.imgur.com/iwxvEKB.jpg Day 5 https://i.imgur.com/JRsmLsf.jpg Have you...
by stoptothink
Mon Feb 19, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41471

Re: Netflix, Your Current Favorite Show

Haven't read in the thread but for those of you who tried watching the first episode of Black Mirror and gave up on it (because of episode 1) -- go back and continue watching. Great anthology!! Definitely. The first episode was perhaps the most graphically shocking (my wife gave up on the show afte...
by stoptothink
Mon Feb 19, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13635

Re: What is the best home exercise equipment?

Brand new kit. I don't understand all the metrics (sorry my bad, haven't yet gone through their website) - but here are screenshots of my performance. 30 minutes each. What does each of them mean ? How am I doing ? Day 1 https://i.imgur.com/iwxvEKB.jpg Day 5 https://i.imgur.com/JRsmLsf.jpg I bought...
by stoptothink
Sat Feb 17, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 163
Views: 10242

Re: What has been your most important skill in achieving financial independence?

When I was 40 yrs old my net worth was zero dollars. When I was 53 I was FI. So it took about 13 years to achieve FI. I don't see why it would take more than 15-20 years to be FI if that was one's goal. My tip would be to marry someone you get along with. And marry someone who spends less than you ...
by stoptothink
Sat Feb 17, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 79
Views: 5726

Re: Effect of spending money on appearance in career

Men are judged on their appearance as well, this isn't something that just faces women. How you present yourself to the world matters. Absolutely true, but it doesn't have to cost much (or anything). There is no denying that I would not have my job unless I visually presented myself well, consideri...
by stoptothink
Sat Feb 17, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 46
Views: 5009

Re: $12,000 Refrigerator?

Like any luxury good, the price does not reflect its utility. Does a $200k car get your kids to school any better? Some of the money does go into making a better engineered product (note this does not mean more reliable). There may be more features. Mostly though you are paying for the social signa...
by stoptothink
Thu Feb 15, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 114
Views: 8085

Re: What big item (>20k) are you saving up for?

Not saving up for it, but I am trying hard not to pull the trigger on this one: http://www.savingadvice.com/forums/picture.php?albumid=188&pictureid=406 Looks exactly like a $50 Timex To be honest, I just don't get it. I have no idea how much that watch is worth or why it is worth that much. To me ...
by stoptothink
Mon Feb 12, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7104

Re: I’m not renewing my Costco membership.

I'm always one of the dissenters in the Costco threads. I did a very strict price comparison about 3yrs ago and came to the conclusion that there wasn't a single item that our family purchases on a regular basis that was cheaper at Costco than local alternatives. I cancelled. I finally convinced my ...
by stoptothink
Mon Feb 12, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 114
Views: 8085

Re: What big item (>20k) are you saving up for?

Paying off the mortgage. +1. We are on currently track to pay off our mortgage in 5 more years (7yrs total), but that is likely to be sped up soon with our children aging out of daycare and my wife finishing up school. My wife would really like to ultimately build a custom home, I would really like...
by stoptothink
Fri Feb 09, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Best Valentines Day Gift
Replies: 12
Views: 1787

Re: Best Valentines Day Gift

For Valentine's day - nothing given, nothing received. We talked about it early in our relationships. I suggested that, if she wanted to celebrate Valentine's day, we pick our own special day to do it when prices and crowds would be lower. She said she wasn't really into that sort of thing anyway. ...
by stoptothink
Thu Feb 08, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 4839

Re: Leaving HCOL state for financial reasons

Working in a HCOL city like SF or NYC is great for a first job, but it isn't compatible with the life I'd want with a family. At least, not at a price point that I could afford. An ideal life for me, age 35-55 let's say, is working 30-40 hours per week, having six weeks vacation, walking to work, a...
by stoptothink
Wed Feb 07, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2625

Re: Best BBQ in Austin

Salt Lick is fantastic. (If you have time to drive to Driftwood, order family style, and enjoy all you can eat brisket, sausage, ribs, beans, potato salad, pickles, onions, and bread) Youre not going to go wrong - you could go to Rudy's (our fast-ish foodish) and there are a million others that (as...
by stoptothink
Sun Feb 04, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford this home?
Replies: 25
Views: 1794

Re: Can I afford this home?

gotester2000 wrote:
Sun Feb 04, 2018 5:08 am
You can afford this home.

However, I will not purchase a $2.2 million house with a 450k income.
+1. OP can certainly afford it, but I think there would quite quickly be some buyer's remorse.
by stoptothink
Sun Feb 04, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14392

Re: For BHs who actually like cars - what is your daily driver?

'2000 Toyota MR2 Spyder Being 6'0 feet tall - I have to be the silliest* looking bastard on the road in the tiny thing! ... and yes - it's stick. I have a 6'5" friend who owns a '05 MR2, and I have put my 6'1" body into the passenger seat to take a mountain drive with him. Another boglehead gear/mo...
by stoptothink
Sun Feb 04, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13635

Re: What is the best home exercise equipment?

indispensable accessory other than heart rate monitor: digital metronome. I have 4 indoor cycles, Treadmill, and C-2, I have my Schwinn Airdyne indoor bike for 38 years, each time I cycle 10000 miles I reward myself by buying another indoor cycles, but invariably I go back to my Schwinn Airdyne. I ...
by stoptothink
Sat Feb 03, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 4538

Re: Life Balance of spending and saving

Just my very humble opinion, but pool purchases often end up like timeshare purchases. Most people regret getting them. When looking to buy a house, many people (like me) will not consider a house with a pool. It sounds good, but it's usually a white elephant that ends up as a burden that takes lot...
by stoptothink
Sat Feb 03, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41471

Re: Netflix, Your Current Favorite Show

Kind of the same cycle we went through with Sons of Anarchy, another (IMO) horribly cheesy and poorly written show, which we just kept trying to soldier through because we heard so many great things about it We made it through a few episodes of SOA and I just couldn't bear it. Every time I saw "Peg...
by stoptothink
Sat Feb 03, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 2935

Re: Best Movies of 2017

If you have not seen Logan (again, not the same as Logan Lucky, which is also good), do yourself a favor and check that out (some tolerance for violence needed). A lot of people think it was snubbed on Best Picture and two acting nominations. In addition to that, I'd agree with you on Florida Proje...
by stoptothink
Sat Feb 03, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 2935

Re: Best Movies of 2017

My additions... Best American Made Better Guardians of the Galaxy, Vol2 Would take Dunkirk off this list. I like most Christopher Nolan and war films... some high points, but overall felt this was a snoozefest. Perhaps it's because I saw this on DVD on my laptop and didn't get the IMAX experience. ...
by stoptothink
Sat Feb 03, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41471

Re: Netflix, Your Current Favorite Show

Kind of the same cycle we went through with Sons of Anarchy, another (IMO) horribly cheesy and poorly written show, which we just kept trying to soldier through because we heard so many great things about it We made it through a few episodes of SOA and I just couldn't bear it. Every time I saw "Peg...
by stoptothink
Sat Feb 03, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Life Balance of spending and saving
Replies: 54
Views: 4538

Re: Life Balance of spending and saving

There is a very nice/safe neighborhood (country club) pool in our neighborhood. It is about .25 miles away and costs a membership fee of 1200 yearly to access. Presently we are not members. We have lived in our neighborhood for 2 years but have not joined due to trying to limit ongoing expenses. Ye...
by stoptothink
Sat Feb 03, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3358

Re: Do you live on a budget?

Nope, never have. We live way below our means; I am naturally almost obsessively frugal and my wife is (by most standards) very frugal herself. No point really.
by stoptothink
Sat Feb 03, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41471

Re: Netflix, Your Current Favorite Show

Bloodlines Started very strong but progressive got worse. After a while you just grew angry at the stupidity of some of the characters. I enjoyed it if nothing else being set in the keys. Memories from Florida. Agreed. Glad it was only 3 seasons. Wife and I tried to watch Bloodlines at least three ...
by stoptothink
Fri Feb 02, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 7585

Re: What advice would you give yourself if you were 27 again?

In the words of Will Smith: "Fail often, fail early, and fail forward." I can't even imagine where I'd be in my career at this point, the possible trials I would have avoided, etc. if I just would not have always had that little hint of fear of failing in the back of my mind. I didn't really begin t...
by stoptothink
Fri Feb 02, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: shall I buy Toyota prepaid maintenance service for 2018 Camry
Replies: 37
Views: 3088

Re: shall I buy Toyota prepaid maintenance service for 2018 Camry

It is a monstrous ripoff. Your new Camry probably would only need ~3 oil changes during that 30k extension and no other maintenance. You're paying $400 per oil change. Look at the owners manual and see what the manufacturer requires. I guarantee you it's not much if anything. "So you are saying the...
by stoptothink
Fri Feb 02, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41471

Re: Netflix, Your Current Favorite Show

Just starting into Vikings on Amazon. So far so good. It is holding my attention. My wife liked it quite a bit. My wife liked it so much that my son was given a very prominent "Viking" name, which makes for an interesting discussion with his Hispanic surname. Season 3 is very meh, otherwise it is a...
by stoptothink
Thu Feb 01, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 5554

Re: New car - how much can we afford?

People suggesting a minivan with a single child are too much. The only thing more irrational than American's need for very large cars is only superseded by their need for way too much house. You can technically afford pretty much anything you want, doesn't mean you should (we have a higher household...
by stoptothink
Thu Feb 01, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41471

Re: Netflix, Your Current Favorite Show

TallBoy29er wrote:
Thu Feb 01, 2018 8:32 pm
Anyone here have an opinion of Ozarks on Netflix?
It has a very "Breaking Bad" feel. I personally thought the first season was excellent, though not quite on par with "Breaking Bad".
by stoptothink
Tue Jan 30, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3531

Re: Should I join Linkedin?

It has been a pretty valuable tool for me professionally. I haven't gotten a job or searched for one, nor am I at all looking to switch employers, but I have made some connections with people initially on LinkedIn (many of whom I have now met personally) which has led to some collaborative projects...
by stoptothink
Tue Jan 30, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Buy a new car or not?
Replies: 34
Views: 2588

Re: Buy a new car or not?

Trade it at a dealer for a brand new, leftover 17 GTi. Not a lot of them left but they're out there and I still see them for under $20k. Yah....Golf R, GT-R, STi, WRX.....if you buy one used that hasn't been modified, you're quite lucky. I know in the Subaru community, owners are expert at "returni...
by stoptothink
Tue Jan 30, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3531

Re: Should I join Linkedin?

It has been a pretty valuable tool for me professionally. I haven't gotten a job or searched for one, nor am I at all looking to switch employers, but I have made some connections with people initially on LinkedIn (many of whom I have now met personally) which has led to some collaborative projects ...
by stoptothink
Mon Jan 29, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 365
Views: 41471

Re: Netflix, Your Current Favorite Show

My wife and I recently watched "The Toys That Made Us", and we really enjoyed it. Each episode is a documentary covering the history of a different toy line, from its creation up to the present day. There are tons of interviews with everyone involved in the process, and it is an entertaining behind...
by stoptothink
Sat Jan 27, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Buying a home - Financial Benefits? HCOL
Replies: 75
Views: 3404

Re: Buying a home - Financial Benefits? HCOL

I don’t think that you should always do an apples to apples comparison. I think buy vs rent is often a choice between an apple and an orange. There are many valid reasons why people would not buy a place that they are perfectly content to rent. Most will disagree, but I think the correct comparison...
by stoptothink
Sat Jan 27, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Buying a home - Financial Benefits? HCOL
Replies: 75
Views: 3404

Re: Buying a home - Financial Benefits? HCOL

I have a guest room, home office, wash/dryer, spacious living room / dining room open concept that’s big enough to fit an 8 person dinner table, huge couch, recliner, and I can still do yoga in the living room without rearranging anything. I’m not exactly “slumming it”. Actually, most home owners I...
by stoptothink
Fri Jan 26, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Buying a home - Financial Benefits? HCOL
Replies: 75
Views: 3404

Re: Buying a home - Financial Benefits? HCOL

Am I missing something? I hate to sound so cynical, but the “American Dream” “A house is an investment” feels like a myth / scam - at least in HCOL areas (10-12 K taxes annually for lots that aren’t big + 500+ K homes) I don't think you're missing much - home ownership also feels like a "scam" to m...
by stoptothink
Fri Jan 26, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3670

Re: Strategies to combat the urge to spend?

Some strategies that have worked for me ... Always wait at least 2 weeks before you buy something. I find that I end up not purchasing about 80% of the things I thought I needed or wanted. If you tell yourself - "I will seriously consider buying if I still really want it in 2 weeks" - you might be ...
by stoptothink
Thu Jan 25, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat the urge to spend?
Replies: 68
Views: 3670

Re: Strategies to combat the urge to spend?

Another thread recently was on differences of cost of living/incomes, and resulted in repeated reminders that comparison is the thief of joy. If you are suffering from peer pressure, change your peers/situations. Friends like to go out for dinner? Start an at home dinner party group. Friends like t...
by stoptothink
Thu Jan 25, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8798

Re: Working in the real world

I also think many here are completely out of touch with what the average American is earning. I've seen multiple posters state they don't understand how someone could survive on a $100k salary. If you honestly think that you've lost touch. Speaking as someone who has never earned more than half of ...
by stoptothink
Wed Jan 24, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8798

Re: Working in the real world

Wanted to chime in on this interesting thread. Wife and I are early 30s, living in a Midwest state very close to Ohio. We live back in our hometown after being away for 7 years while I was active duty. Separated and now am a Full Time National Guardsmen, so government employee. Wife is an nurse who...
by stoptothink
Wed Jan 24, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8798

Re: Working in the real world

Sometimes I feel like screaming when I see another one of those "We have two government COLA pensions and 2.6M after tax in 60/40, change our sponges once a year and spend $250 per month on food including eating out. Do you think that we can live on 2% and not run out of money" threads. You are not...
by stoptothink
Wed Jan 24, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13635

Re: What is the best home exercise equipment?

Increase the intensity by rowing more powerfully and increasing the cadence. How difficult it is is a combination of many factors, the level of resistance being only one. I do quite a bit of my "cardio" training on a concept 2, mostly with circuits or basic sprint repeats. If you can do 150m at a 1...
by stoptothink
Wed Jan 24, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13635

Re: What is the best home exercise equipment?

Increase the intensity by rowing more powerfully and increasing the cadence. How difficult it is is a combination of many factors, the level of resistance being only one. I do quite a bit of my "cardio" training on a concept 2, mostly with circuits or basic sprint repeats. If you can do 150m at a 1...
by stoptothink
Wed Jan 24, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8518

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

tarmangani wrote:
Wed Jan 24, 2018 10:36 am
I use..........a flip phone (I have enough computers; don't need another one).
I now have an employer provided smartphone, but until a year ago I had a flip phone. In 18yrs I have had a grand total of 4 phones, including this new smartphone and my flip phone still functions flawlessly.
by stoptothink
Wed Jan 24, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8798

Re: Working in the real world

I've been accused so many times on this board that I am flat out lying about either my job title or salary (that it is unrealistically low ) so many times that I lost count. I'm a director in a health products company that is the largest employer in the industry (~4k employees). At 36, I am the 2nd ...
by stoptothink
Tue Jan 23, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 13635

Re: What is the best home exercise equipment?

I bought a concept 2 ! I’ve been using it but even at the highest resistance I find it too easy. After 30 min of rowing I barely break sweat even though I get a somewhat pump in my arms. Anyone knows how to stiffen up the resistance ? Concept 2 rower (erg). Unbeatable single-equipment workout. Incr...
by stoptothink
Fri Jan 19, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5049

Re: 4k UHD TVs worth it?

Meh. One of the movies in my collection came with a DVD in addition to the Bluray when I bought it. That made it easy to compare, and we're not even talking about the difference between HD 1080 lines) and UHD 4K (2160 lines). We're talking SD (480 lines) vs HD (1080 lines). On my 50" plasma, I can ...
by stoptothink
Fri Jan 19, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3685

Re: I got a Roomba and think you should too

Nearly $800 is an awful lot of money. Perhaps if they go down in price some. Even with two young children, there isn't the necessity (as in, we can't see anything on the carpet) to vacuum more than about once or possibly twice a week. Takes all of 5-10min for me to do the entire house (and my home ...
by stoptothink
Fri Jan 19, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Family Balance and Children's Athletics
Replies: 37
Views: 2562

Re: Family Balance and Children's Athletics

I'm going to give you a brief background so you can filter my response. Wife and I were good high school athletes. All the kids were high school athletes too, and one was a real talent (recruited by all the top D1 schools for her sport and did go D1 and was all conference). When they were growing u...
by stoptothink
Thu Jan 18, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7687

Re: Short Commute or Nicer House?

As far as the extra time commuting - some people view this as "wasted" time but there are ways to make that time productive or entertaining (catching up on podcasts, the news, audible books, etc.). I know people who actually like the transitional period between "work" and "family" that they spend i...
by stoptothink
Tue Jan 16, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 3582

Re: Considering PhD...but so much to consider...

Perhaps your field is different, but in STEM you don't plan on walking out with your newly minted PhD and getting a $100k job. Typically the only options are PostDoc positions that pay ~$40k. This can last 3-6 years. I have many colleagues who are 5+ years out of the STEM PhD still making well belo...