Search found 3269 matches

by stoptothink
Tue Apr 25, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby chipping in on gift- how much?
Replies: 49
Views: 1946

Re: co-worker had a baby chipping in on gift- how much?

I am with you in that giving adults birthday presents is silly and we have a family agreement that none of us give birthday or Christmas gifts to each other. My wife, she buys everybody she knows birthday and Christmas gifts, and like clockwork gets a little bit annoyed every year when she gets not...
by stoptothink
Tue Apr 25, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby chipping in on gift- how much?
Replies: 49
Views: 1946

Re: co-worker had a baby chipping in on gift- how much?

OP, Maybe I live in a different culture, but I don't think it's customary at all to solicit co-workers for gifts. If this co-worker is a good friend of yours I think that's a different situation. A number of co-workers at my workplace have had kids in the last few years and nobody has ever asked me...
by stoptothink
Tue Apr 25, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: co-worker had a baby chipping in on gift- how much?
Replies: 49
Views: 1946

Re: co-worker had a baby chipping in on gift- how much?

OP, Maybe I live in a different culture, but I don't think it's customary at all to solicit co-workers for gifts. If this co-worker is a good friend of yours I think that's a different situation. A number of co-workers at my workplace have had kids in the last few years and nobody has ever asked me...
by stoptothink
Mon Apr 24, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 128
Views: 12485

Re: Any regrets living a frugal life for high income/high networth individuals?

All that said, my observation is that true frugality is not so much a choice for folks on here. It's just HOW they are. If you don't want stuff, you don't want stuff. It's not that they have to fight all these inner demons all the time. I might be wrong, but that is how it comes across in posts mos...
by stoptothink
Mon Apr 24, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 464
Views: 190785

Re: TV show recommendations?

Right now I'm binging on "Friday Night Lights". Would second "Bloodlines". Good luck. I've watched the first two seasons of Bloodlines and enjoyed it, but it's very and dark depressing. I now use the line regularly in conversations, "We are not bad people we just did a bad ...
by stoptothink
Mon Apr 24, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 128
Views: 12485

Re: Any regrets living a frugal life for high income/high networth individuals?

Its interesting that people think that some spend money to keep up with the jones. There is also the possibility that the individual spenders may actually like what they buy, regardless of the joneses. I definitely like buying certain things. I wont shop in a thrift store as someone mentioned earli...
by stoptothink
Sun Apr 23, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 128
Views: 12485

Re: Any regrets living a frugal life for high income/high networth individuals?

No regrets at all... Living frugal is not only good for you financially but it is good for the soul. After a while you realize all the "stuff" is just crap anyway. A good family, good children, great life experiences beat cars and boats anyway. Also, it is so liberating to know you are no...
by stoptothink
Fri Apr 21, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice in IT
Replies: 99
Views: 6646

Re: Career advice in IT

Unemployment story from and IT worker in Silcon Valley http://www.vox.com/first-person/2016/12/19/13956666/unemployment-men-prime-working-age I feel bad for the guy, but from what I read in the article I didn't get a sense that he has a technical skill set that would qualify one as an 'IT worker'. ...
by stoptothink
Fri Apr 21, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 464
Views: 190785

Re: TV show recommendations?

wassabi wrote:I've been really enjoying Vikings. It can be a little violent, so not for the faint of heart.


It is my wife's favorite show. She named our son after the show. We just finished Goliath (Amazon Prime) and it was very good.
by stoptothink
Fri Apr 21, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3378

Re: Car Choices

We bought a '17 Jetta in January. Bottom-line is we were able to get it for $4k-6k less than anything else in its class. The new 1.4tsi engine is great, plenty of low-end torque and it is very fuel efficient (we average mid-40's on the highway). It is quite spacious (more than enough room for our fa...
by stoptothink
Thu Apr 20, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 44
Views: 4706

Re: Calling for all the Moms: career and family.

Second thought: Maybe you should let your husband handle more of the child care duties. In our house, I want to be an equal partner in raising our children, and I want to be able to take over when my wife needs to work. But that also means that she needs to give up control when I’m on primary paren...
by stoptothink
Thu Apr 20, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1692

Re: Should I purchase Apple Care for my new Apple Watch?

[ I ended up with a free Apple Watch Series 1 after a series of shipping delays this Christmas. Target just said "keep it free" once it finally arrived. I was on the fence and planned to try, explore, and maybe return it. Since I paid $0 for the watch, it seemed like a bargain to get Appl...
by stoptothink
Thu Apr 20, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 44
Views: 4706

Re: Calling for all the Moms: career and family.

Another not mom, but married to one (obviously). I make plenty to support us and my wife tried to stay home after our 2nd was born, but about 2-months in she was absolutely miserable. Say what you want about how amazing it is to stay at home and raise your children, but she was bored to death and bo...
by stoptothink
Wed Apr 19, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child lack of availability at tax time.
Replies: 24
Views: 1872

Re: Adult child lack of availability at tax time.

I just went through this with my 23yr old step-sister. She got her w2 in the mail and had no idea what it was, I just happened to be visiting my parents when it came. I knew my parents weren't claiming her, and as someone who works part-time and pays all her school expenses, she was going to get a s...
by stoptothink
Wed Apr 19, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 64
Views: 4901

Re: Tips on Uber

Just tip, don't be a tightwad, these people barely make enough to justify what their doing. Saying the app doesn't allow it, is just a copout, just hand them a five, at least their trying to make ends meet by working. People remind me of some relatives, they have boat loads of money but like to pre...
by stoptothink
Tue Apr 18, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is spending 15K to furnish home too much?
Replies: 39
Views: 4300

Re: Is spending 15K to furnish home too much?

Less than $3000 for the whole house (beds, sofa, dinning table, dishes, drapes etc.). Almost everything new from Ikea. Nothing fancy but everything works for us. +1 for a 3bdr/2.5bt ~1500^ft home, and this would also include our TV/soundbar. I can't even imagine spending $15k, or anything remotely ...
by stoptothink
Tue Apr 18, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 3814

Re: Weight loss and investing

One disagreement: weight loss gets harder as you get older :annoyed Easy to blame it on something you have no control over, compared to getting off the couch and putting the work in. Sorry to be so blunt, but I just get annoyed when I see that excuse being used. I am 41 and weigh the same as when I...
by stoptothink
Tue Apr 18, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 7666

Re: Mens Blue Jeans - What are we buying now?!

KJV, I have problems with longer inseams and fit too. This skinny jean stuff is non-sense. I'm athletic, by no means big, and EVERY 'standard' or 'slim' fit looks like i'm wearing wrapping paper...and it's uncomfortable. I've found the following come in a range of styles and prices for tall size (i...
by stoptothink
Mon Apr 17, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: how much is reasonable amount to spend [on gymnastics]
Replies: 42
Views: 3054

Re: how much is reasonable amount to spend

Thank you for your replies. I spend $600 a month for her. Beside gymnastic, she studies piano, violin, guitar, Spanish,and Chinese. She competes in piano and earns money. Beside, all activities beside gymnastic can help her obtaining scholarship or a tutoring job when she gets older. Gymnastic? I d...
by stoptothink
Sat Apr 15, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: How does family of 4 spend $1,500/mo on groceries?
Replies: 25
Views: 1848

Re: How does family of 4 spend $1,500/mo on groceries?

I don't know how most families spend as much as they do on food. I do understand several of the contributing factors: eating out (obviously), snacks, prepared foods, throwing away food, needing "variety", not having a system...IMO, most families could easily slash 25% or more off their foo...
by stoptothink
Sat Apr 15, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7229

Re: leaving early from work

Reason number 4. In this company, looking busy means more than being productive. (Especially, looking busy on nights and weekends.) - John P. Greaney, Retire Early Home Page I just wanted to remind everyone of this classic quote. There may actually be some mythical companies out there where 'We don...
by stoptothink
Fri Apr 14, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Cost Creep and Teen and College Years?
Replies: 52
Views: 3470

Re: Cost Creep and Teen and College Years?

Now my son and his two boys are seeing similar issues. One son is a club level super hockey player who is being scouted by prep schools already. He is 11. My son spent $1K or more for last season hockey plus travel costs and uniforms and skates. I am sure he spent at least $2K or more for hockey. B...
by stoptothink
Fri Apr 14, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Cost Creep and Teen and College Years?
Replies: 52
Views: 3470

Re: Cost Creep and Teen and College Years?

It is way more complicated than just saying no to your kids about music and sports and outside activities. My two kids were way different. One was average in school and sports. He joined the local teams and did OK and we went and enjoyed his activities. It cost almost nothing for him to play Little...
by stoptothink
Fri Apr 14, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Cost Creep and Teen and College Years?
Replies: 52
Views: 3470

Re: Cost Creep and Teen and College Years?

I'm surprised no one has mentioned their kids working summers or afterschool for their money. When I was growing up, my parents paid for food and clothing (and obviously housing and utilities), but I never got an allowance or any money for recreation. Well, at least I didn't get it from my family, ...
by stoptothink
Fri Apr 14, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Cost Creep and Teen and College Years?
Replies: 52
Views: 3470

Re: Cost Creep and Teen and College Years?

There can be very unexpected expenses with teenagers. I have a friend who complains because her daughter goes through bottles of expensive shampoo and conditioner in just a few weeks and she had to have the carpet in her son's bedroom cleaned because he was shoving dirty dishes under his bed when h...
by stoptothink
Thu Apr 13, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: which tv and size to buy
Replies: 41
Views: 3675

Re: which tv and size to buy

My advice is, don't pay any attention to the TV distance watching calculations. Today's TV's and most broadcast signals whether antenna, cable or streaming are good enough to allow a person to sit very close to the screen. This is especially true with the smaller size you'll be looking for. Buy a h...
by stoptothink
Thu Apr 13, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for college for my son with autism
Replies: 22
Views: 3558

Re: Re:

As a school psychologist, I worked with many of these kids and their families at various age levels. Please know that children on the spectrum can undergo enormous changes as they mature, and many of them will suitably plan on attending post-secondary educational institutions once they reach high s...
by stoptothink
Thu Apr 13, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Keep old yet reliable used car or buy new
Replies: 28
Views: 1742

Re: Keep old yet reliable used car or buy new

Just traded in my 07 civic. 227,000 miles Because I drive around 24,000 miles a year, I found that every 3 years I had to put a lump sum of money to get through the next 2 years and the third year would be the bonus year, before I had to reinvest a bunch of money. The problem was that I was startin...
by stoptothink
Tue Apr 11, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12034

Re: You can never go "home" - retirement

Left Southern California at 23 and have zero intentions of ever moving back. We visit at least twice a year, but can't even imagine living there full-time. Wife and I have discussed it several times as we often get recruiting interest from employers in California (especially her, tech sales) and it ...
by stoptothink
Mon Apr 10, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Help me decide what to do with my cars
Replies: 34
Views: 1551

Re: Help me decide what to do with my cars

Make sure you have valid reasons for needing the minivan. They can be handy - especially if you need to bring your children AND their friends places. However - if you just need extra space to carry extra stuff - it would be a lot cheaper to just go out and buy a really nice Roof Cargo Box to carry ...
by stoptothink
Sun Apr 09, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 1948

Re: BH thoughts on car insurance

Watch eSurance/AllState. I had a couple incidents in getting quotes with them. I got a quote from AllState. It wasn't competitive and never did anything like accept it. Never received policy materials. Never paid anything. They sent the premium bill for collections. Hassle to get straightened out. ...
by stoptothink
Sun Apr 09, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 1590

Re: Extended CAR Warranty

I also recently purchased a 2017 Mazda CX-9 and we declined the extended warranty. If I did not think it was a reliable car in the first place, I would not have purchased the car. BTW, my wife loves it and not a single problem so far. The finance manager tried to use "are you aware of VW's rep...
by stoptothink
Sun Apr 09, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 29
Views: 1957

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

According to the brochure I was given the additional four services would cost a total of $525, so on that alone I would be saving money (according to the friendly dealer representative). :oops: I hope you are being facetious. Taking a car to the dealership for service is absolute lunacy. That $525 ...
by stoptothink
Sun Apr 09, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 29
Views: 1957

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

According to the brochure I was given the additional four services would cost a total of $525, so on that alone I would be saving money (according to the friendly dealer representative). :oops: I hope you are being facetious. Taking a car to the dealership for service is absolute lunacy. That $525 ...
by stoptothink
Sat Apr 08, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 1590

Re: Extended CAR Warranty

I make it a practice to inform the finance manager up front that no matter what he says my answer is no, and if he keeps me in that room one minute longer than necessary I'll reflect my displeasure with my internet review of the dealership. They have to try, it's what they get paid for. I just want...
by stoptothink
Fri Apr 07, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 3471

Re: Telling Family About Daughters 529 For Gifts

I think what bothers me most about this is that the 529 donation is *really* just a gift for the child's parents. "mom, dad, please don't give little johnny another toy, instead give me some cash to defray the cost of his college" Yuck. Depends on if you believe it is a parent's responsib...
by stoptothink
Fri Apr 07, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 3471

Re: Telling Family About Daughters 529 For Gifts

I think what bothers me most about this is that the 529 donation is *really* just a gift for the child's parents. "mom, dad, please don't give little johnny another toy, instead give me some cash to defray the cost of his college" Yuck. Depends on if you believe it is a parent's responsib...
by stoptothink
Fri Apr 07, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 3471

Re: Telling Family About Daughters 529 For Gifts

My daughter is almost three years old, and my wife's family and mine are always buying her tons of toys for holidays. We already have a 529 plan setup to allow gifts to go towards a college fund. Have any of you had success in getting family to tone down the toys/gifts and up the donations? What di...
by stoptothink
Fri Apr 07, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 3471

Re: Telling Family About Daughters 529 For Gifts

I've tried this for 14 years. We have 2 kids and 7 grandparents. (Don't ask...divorces abound in my family) Out of everyone, only one ex-stepmother traditionally gives a $100 check to my kids 529 plan for Xmas and their birthday. She's been doing it for 14 years....consistently. Oh yeah...she's a C...
by stoptothink
Wed Apr 05, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23415

Re: Low-earners- What is your profession?

I've heard of a single doc with $1.2M. I have personally communicated with a doc with $800K by himself. His colleague has $940K by himself. Emergdoc, I imagined you would be the most knowledgeable regarding this scenario. :D How did they amass those loans? Expensive undergrad + expensive med school...
by stoptothink
Wed Apr 05, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23415

Re: Low-earners- What is your profession?

I have heard of a doctor couple who has 1.2 million in student loan debt. Astounding. I have not personally heard of student debt approaching that, though I suppose it is possible. But if they each took jobs paying $300K/year (less than median surgeon salary), lived off $200K/year pre-tax (quite a ...
by stoptothink
Wed Apr 05, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8377

Re: Buying expensive car, how to keep payments low?

GrayS26 wrote:
Shackleton wrote: And for those arguing the new is a ripoff is that true? I've always gotten new. Where is the best place to buy used?


For luxury vehicles, absolutely. For cars on the lower end of the spectrum, especially Hondas and Toyotas, it isn't quite that simple.
by stoptothink
Wed Apr 05, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5287

Re: Help with college choice

I'll confess to not having read the full thread, as it's late, but the topic and dilemma speak to me. Objectively, these are all great schools. Yes, some are better than others. But to a large degree, especially as an undergrad, the best students will rise to the top of their institutions, and if t...
by stoptothink
Tue Apr 04, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs for less...Has anyone done this....
Replies: 46
Views: 3596

Re: Switching Jobs for less...Has anyone done this....

Why does everyone assume that lower salary = less stress and better work environment? I do have reservations about going back to not for profit work. It frankly makes me uneasy . I used to work for a no for profit and the grant never dried up but it always made me nervous . There is also no over ti...
by stoptothink
Mon Apr 03, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs for less...Has anyone done this....
Replies: 46
Views: 3596

Re: Switching Jobs for less...Has anyone done this....

Has anyone here ever taken a job for less money and lesser health benefits for a job that they feel they would like better, be safer and have holidays and most weekends off and a 6% blanket contribution for a 401K. This job is also not for profit grant work so increases in salary would be based on ...
by stoptothink
Mon Apr 03, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: IS 200k household income "middle income" these days? Has that threshold increased?
Replies: 42
Views: 2696

Re: IS 200k household income "middle income" these days? Has that threshold increased?

KyleAAA wrote:$200-250k definitely isn't middle class, not even in places like Manhattan or San Francisco. That's solidly upper-middle class, bordering on upper class depending on which definition you use.


Only on Bogleheads is this question even asked.
by stoptothink
Mon Apr 03, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23415

Re: Low-earners- What is your profession?

You won't like the answer; 0. Two earner family. 1. Could not afford to buy house, so rent in a cheap place. 2. Could not afford to buy vehicle, so walk or ride bike to jobs. 3. Delay having children, so money goes to investments for many early years. Children go to public schools and before that i...
by stoptothink
Mon Apr 03, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23415

Re: Low-earners- What is your profession?

I eventually felt like I was a politician; promising change to people who acted like they wanted it, but in reality we were all full of hot air and nothing was ever accomplished. I became very jaded about the people I was surrounded by, IMO a lot of them were definitely not as altruistic and seriou...
by stoptothink
Mon Apr 03, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23415

Re: Low-earners- What is your profession?

Just for informational purposes, currently the median household income in the U.S. is about $56k. This is a pretty humorous thread. Folks making just under $100K calling it "low-income"? Our family makes much less, and we aren't low income. Please change the title. I think the OP is makin...
by stoptothink
Mon Apr 03, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: The order of personal financial sources to pay for kid's college?
Replies: 11
Views: 806

Re: The order of personal financial sources to pay for kid's college?

I suggest he spend some of his own money. College is a good time to learn to pay for what you use instead of letting someone else pick up the bill all the time. His grandparents gave him money for a reason, maybe they wanted it to go toward college. If it makes it easier for you, you can pay for tu...

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