Search found 3128 matches

by stoptothink
Wed Mar 01, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Vehicle purchase
Replies: 22
Views: 576

Re: Vehicle purchase

I guess for 2 kids, I can't even imagine why one would need something bigger. If you want everyone to be able to get up and walk around, buy an old school bus. Isn't that what the Partridge Family did? Ditto. Our parents didn't have pack-n-play or strollers, but they fit (along with us 4, and all t...
by stoptothink
Wed Mar 01, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Is CreditKarma legit?
Replies: 14
Views: 1725

Re: Is CreditKarma legit?

Yes, they are legit. As far as the tax software, there is another thread, but it is very limited as of now. For several reasons, it didn't work for us, and we have very simple returns. I'll try it again next year though.
by stoptothink
Wed Mar 01, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Vehicle purchase
Replies: 22
Views: 576

Re: Vehicle purchase

There are two types of people with 2 or more kids... those who have a minivan already, and those who will soon. Swallow your pride and go buy a Honda Odyssey or Toyota Sienna and be done with it. Personally, if you plan on keeping the vehicle for a long time, I would avoid going backwards several m...
by stoptothink
Mon Feb 27, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 67
Views: 4473

Re: Used German Luxury vs New Japanese

You can get a new Genesis for about 20% off sticker price if you are a decent negotiator. That is a lot of car for the money. My boss, whose primary mode of transportation is his personal Gulfstream, pretty recently splurged on a new Genesis. He can easily afford to drive absolutely anything he wan...
by stoptothink
Mon Feb 27, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Weighing up how much to spend on house
Replies: 21
Views: 1677

Re: Weighing up how much to spend on house

Randomizer, How did you find 2.0 to 2.5% fixed rate mortgages? It looks like 15 year mortgages go for about 3.125 or 3.25 today, and 10 year mortgages go for 2.85 or 3.0 today? Conventional, or another program? Would love to know the same. We've toyed around with the idea of a refinancing (currentl...
by stoptothink
Mon Feb 27, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 67
Views: 4473

Re: Used German Luxury vs New Japanese

I grew up in Germany. I am an engineer. I never understood why 'driving experience' is so important on the roads we have here : 65 mph limit here, roads are mostly straight and wide. BMW comes from Bavaria, headquarters in Muenchen, and there are the Alps with their roads, and some expressways have...
by stoptothink
Mon Feb 27, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 66
Views: 3699

Re: Do Boglehead DIY or Pay a Professional?

Totally depends on what it is. I am mechanically challenged, even with the most minor home and car maintenance stuff, I simply don't know how to handle them. So, I'll either find a friend that does (very often the case) or hire a professional. As far as things that are simply manual labor or service...
by stoptothink
Sun Feb 26, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 19
Views: 1407

Re: Credit Card Debt Question (Separation)

[quote="StevieG72" Are they joint cards? You should probably be working on some damage control in regards to additional charges being made on these cards. You need to shut down new charges on all 3 cards, the interest rates are too high you shouldn't be charging on these cards.[/quote] Whi...
by stoptothink
Sun Feb 26, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Requesting guidance on a car purchase
Replies: 31
Views: 1585

Re: Requesting guidance on a car purchase

Depends on how you guys roll. I don't. I don't think many do. That's why I would say to just stick with what you've got... At the very least you could wait till number two comes and see how things go before getting something new/different. This. I think most people tend to way overestimate how much...
by stoptothink
Thu Feb 23, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Another can we afford home thread!
Replies: 49
Views: 2930

Re: Another can we afford home thread!

Don't listen to the people that say 2400 sqft is enough space. If you're looking, it's for a reason. Move on up Sure, there is a reason: they want a bigger and nicer home. No problems with that, and OP can afford it. It is the insistence of the OP that this was a "need" which :confused so...
by stoptothink
Thu Feb 23, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Another can we afford home thread!
Replies: 49
Views: 2930

Re: Another can we afford home thread!

You have all you need already.... a paid off home and everyone has a room, and 2400 sq ft is plenty for a family of your size. I don't know the area, but unless you're in a very high crime, slum, horrible schools area... there's no need there either. The only even close to "needs" you sai...
by stoptothink
Wed Feb 22, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 6903

Re: Need advice on girlfriend debt/finances

" She isn't much of a saver and never really has planned or budgeted " Red flag. Financial differences is at the top of the list of causes of divorce. :shock: Very true. OP, my DW had quite a bit of debt before we got married, and I had no debt. My wife, however, had: a) admitted her debt...
by stoptothink
Tue Feb 21, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14882

Re: Why do you go to restaurants?

Thirty or forty years ago eating out was a special occasion event for my family. Now, eating seems much more commonplace and an everyday thing for some people. It is an everyday thing for a lot of people. According to recent research, Americans now spend more eating out than they do on groceries an...
by stoptothink
Tue Feb 21, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 6903

Re: Need advice on girlfriend debt/finances

" She isn't much of a saver and never really has planned or budgeted " Red flag. Financial differences is at the top of the list of causes of divorce. :shock: Very true. OP, my DW had quite a bit of debt before we got married, and I had no debt. My wife, however, had: a) admitted her debt...
by stoptothink
Tue Feb 21, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14882

Re: Why do you go to restaurants?

I can't understand for the life of me how someone could come home after a full day of work and spend 2 hours preparing an elaborate dinner. I would love to have whatever job you have that leaves you with so much energy at the end of the day. I usually feel so spent I barely have energy to microwave...
by stoptothink
Mon Feb 20, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14882

Re: Why do you go to restaurants?

Thirty or forty years ago eating out was a special occasion event for my family. Now, eating seems much more commonplace and an everyday thing for some people. It is an everyday thing for a lot of people. According to recent research, Americans now spend more eating out than they do on groceries an...
by stoptothink
Mon Feb 20, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Utility Bills - How do ours compare?
Replies: 37
Views: 2656

Re: Utility Bills - How do ours compare?

Utah. 4 residents in a ~1500sq. foot townhome. Everything but gas and electric is covered by HOA. Gas: $9-$65 Electric: $21-$55 Been here for almost a year-and-a-half and have yet to a hit a single month where combined total exceeded $100, but we're (I in particular) very cognizant about energy usag...
by stoptothink
Sun Feb 19, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3186

Re: Anxiety about buying used car

If you can afford private school tuition why not just buy her a new car that is not expensive like a Corolla or the like? I wouldn't buy my daughter a used car . I suspect not too many here are going to agree with that statement. Even if money was of no issue, I wouldn't buy my new-driving daughter...
by stoptothink
Sun Feb 19, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 40
Views: 7007

Re: Tracking progress to $1M portfolio and no mortgage by 40

Awesome to see this from another 33yr old! My wife and I have similar goals, paid off house and $1M invested by 40. We are 33/32. We aren't as far along as you but my wife has been in school forever and will graduate at the end of this year. Wow, wife and I have the exact same goals. We are 35(me),...
by stoptothink
Sun Feb 19, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Long Day Trip: Drive Old Car or Rent Car?
Replies: 59
Views: 3416

Re: Long Day Trip: Drive Old Car or Rent Car?

...Way to call someone's thoughts bogus. Renting a car for a road trip would be fun. There are probably people in southern California who drive 275 miles as a daily round trip commute... Exactly this. My commute alone is 500 miles/week, if we go to LA to see a concert it can easily be 1000 miles th...
by stoptothink
Fri Feb 17, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 486
Views: 115577

Re: Share your networth progression

I think we could be friends IRL, maybe gym partners, unfortunately I don't live in UT. Maybe your Aunt has plans for her estate that you don't know about yet. You are welcome in my garage gym if you are ever in these parts. My aunt having plans for her estate :oops: ...Yeah. She inherited all of my...
by stoptothink
Thu Feb 16, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 80
Views: 4936

Re: Tesla Model 3 or Chevy Bolt?

Prior to the Tesla, was it your preference to stop every 1.5 hours during a long road trip? Yes, every 1.5-2 hours, both for restroom breaks and to stretch legs and backs, if not also to eat or grab coffee. Also, before getting the Tesla we would fly to Oregon, but now we drive, since it is so enjo...
by stoptothink
Thu Feb 16, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14882

Re: Why do you go to restaurants?

Something to remember for those who think it's cheaper to eat at home. This is only true in theory. In practice, the two often come out to similar costs. Consider that I could spend $8 to get a quality cheeseburger at my local pub. Plus tax and tip, let's say I'm out $12. Alternatively, I could go ...
by stoptothink
Thu Feb 16, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14882

Re: Why do you go to restaurants?

Something to remember for those who think it's cheaper to eat at home. This is only true in theory. In practice, the two often come out to similar costs. Consider that I could spend $8 to get a quality cheeseburger at my local pub. Plus tax and tip, let's say I'm out $12. Alternatively, I could go ...
by stoptothink
Thu Feb 16, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Anxiety about buying used car
Replies: 50
Views: 3186

Re: Anxiety about buying used car

As Meg mentioned, Carmax would be a good choice for you. They have a bunch of cars, fixed pricing, and a short warranty. It should be no/low pressure. You can sit in or test drive a bunch of different cars. You can look online before you go in. Honestly, in the 10-15k range and looking for a reliab...
by stoptothink
Thu Feb 16, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 486
Views: 115577

Re: Share your networth progression

We're slightly older, 35 and 30, with a little higher net worth (short of $500k, but close). On here, on this board I appear down right poor. In the real world, most of our peers and family members consider us very wealthy, and we constantly get ignorant comments about it (the wife is getting tired...
by stoptothink
Thu Feb 16, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 486
Views: 115577

Re: Share your networth progression

More back on topic. I'm 28 years old and my husband is 31. 2013 NW: -$15K (prior to my software sales position, I made around $40K and my husband was at $35K. Had a TON of student loans & car debt.) 2014 NW: $80K (My first year in software sales - made $120K, husband got a raise to $47K. Paid o...
by stoptothink
Wed Feb 15, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: New cars with turbo-4 engines -- good idea to buy?
Replies: 36
Views: 1651

Re: New cars with turbo-4 engines -- good idea to buy?

I recently test drove a VW Jetta and I guess you either love or hate little turbos like this..... Lots of acceleration with a short curve.... but I find them too rough to drive. Turbos in the past have been bad news mostly.... We just bought one, a '17 jetta with the 1.4t. Personally, we love the e...
by stoptothink
Wed Feb 15, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10152

Re: Bogleheads not the norm?

I recently signed up to BH, but was born following the Boglehead philosophy (though I didn't know that's what it was called). That said, 20+ years ago when I was a few years into my career and moving out on my own, I had no emergency fund, was not contributing to my 401k, had credit card debt and s...
by stoptothink
Wed Feb 15, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14882

Re: Why do you go to restaurants?

How can people who go out to eat once per year really have an informed opinion about eating out? There are 7000 restaurants in my city alone, and probably 10,000 have been open over the last five years. Going out to eat five times in five years by definition can't be representative of the 'dining o...
by stoptothink
Wed Feb 15, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 55
Views: 3333

Re: Kids in Apartment Sharing Bedroom - Workable?

I grew up sharing a room with my four siblings. As we got older, we switched it up; the 3 boys in one room and my sisters with my mom in the other. My 4.5yr old daughter and 1.5yr old son spent much of '16 sharing a room as my in-laws lived with us for about 6-months. My daughter still asks if she c...
by stoptothink
Tue Feb 14, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10152

Re: Bogleheads not the norm?

I recently signed up to BH, but was born following the Boglehead philosophy (though I didn't know that's what it was called). That said, 20+ years ago when I was a few years into my career and moving out on my own, I had no emergency fund, was not contributing to my 401k, had credit card debt and s...
by stoptothink
Tue Feb 14, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Question on car leases
Replies: 12
Views: 785

Re: Question on car leases

Are you sure there are no fees to buy out the "lease" when it comes time? These great deals sometimes have buried fees and gotchas. This happened to me on a furniture discount purchase deal back when. I bet there are others. Good Luck. There are fees, hence why it is saving us ~$1500 inst...
by stoptothink
Tue Feb 14, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Job Question - Stay or Go
Replies: 17
Views: 1576

Re: Job Question - Stay or Go

Thanks for the prompt replies everyone! To answer a few questions, I work in the IT field (establishing networks for our retail locations). My base pay salary is $82K and the past 3 years we have not maxed out on bonus on any of those three years. I've come in just shy on 2 of the 3 years. The rema...
by stoptothink
Tue Feb 14, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14882

Re: Why do you go to restaurants?

I've generally found those that are the least enthusiastic about restaurants are often times people who are the beneficiaries of someone else's cooking. Interesting. I am about as non-enthusiastic about restaurants as one can be; I cook all of my own food (about 90% prepared on Sunday for the entir...
by stoptothink
Tue Feb 14, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Question on car leases
Replies: 12
Views: 785

Re: Question on car leases

It is really easy to buy the car at lease end. You call the bank and they tell you where to mail the check. When they get the check they send you a title clearance paper and the signed title. In California you have to pay sales tax on the residual amount when you buy the car at lease end. You pay t...
by stoptothink
Sun Feb 12, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Job Question - Stay or Go
Replies: 17
Views: 1576

Re: Job Question - Stay or Go

Why don't you spend a little time looking around and actually gauge how much you are worth on the open market? Personally, I would not work that much unless if it was for far more than you are making, but that is me.
by stoptothink
Sun Feb 12, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Expenditures for household income $100k+
Replies: 35
Views: 3533

Re: Expenditures for household income $100k+

Kind of surprising. My wife and I fall into that middle category ($150-199K). That said, our annual expenses are under $20K. I guess it leaves more questions than answers. Do ppl really spend $33+K on housing (seems high to me - even if ppl are paying a mortgage - I mean it costs $477/mo to service...
by stoptothink
Sat Feb 11, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6176

Re: Child on the Way - What to do for College Financing?

I probably shouldn't comment since I'm not a parent (or even almost one, like the OP), but if I were, college financing would be the very lowest priority of everything I'd be thinking/worrying about. For all we know, by the time this child could even consider college, or whatever replaces it, that ...
by stoptothink
Sat Feb 11, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14882

Re: Why do you go to restaurants?

Yesterday was my wife's birthday and we went to OUTBACK steak house with our younger son. We ordered steaks and lobsters and paid about $78. The steaks were over-cooked and were not as good as what my wife cooked at home. My wife likes to go to restaurants, mostly with her girlfriends, since I do n...
by stoptothink
Fri Feb 10, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6176

Re: Child on the Way - What to do for College Financing?

If said child gets average grades, average test scores, and doesn't excel at anything, perhaps college may not be the best option. There are other paths in life. This train of thought, along with possibly not paying for all of your child's university education, seem to be very frowned upon on this ...
by stoptothink
Fri Feb 10, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6176

Re: Child on the Way - What to do for College Financing?

I probably shouldn't comment since I'm not a parent (or even almost one, like the OP), but if I were, college financing would be the very lowest priority of everything I'd be thinking/worrying about. For all we know, by the time this child could even consider college, or whatever replaces it, that ...
by stoptothink
Thu Feb 09, 2017 4:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 257
Views: 9622

Re: Your USER NAME...what does it mean?

As a freshman in college, I was required to get my first personal email account. "Stop to Think" happened to be the name of my favorite song at the time. It's been my username for pretty much everything the past 20 years.
by stoptothink
Wed Feb 08, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vidangel IPO
Replies: 3
Views: 461

Re: Vidangel IPO

The person shown on their offering page looks like a traveling snake oil purveyor from a black & white western. https://api.vidangel.com/invest/ That's Matt Meese. He's the main writer and co-founder of sketch comedy group Studio C, based in Provo, UT. You should look them up - they're hilariou...
by stoptothink
Wed Feb 08, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6176

Re: Child on the Way - What to do for College Financing?

OP, 1) How old are you? 2) How old are your kids? Why do you need to save for college education? Your annual savings is 48K per year. If you keep this up for 10+ years, you have your retirement fully funded . You could pay your children's college education from your annual savings. Especially if yo...
by stoptothink
Tue Feb 07, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Child on the Way - What to do for College Financing?
Replies: 116
Views: 6176

Re: Child on the Way - What to do for College Financing?

OP, 1) How old are you? 2) How old are your kids? Why do you need to save for college education? Your annual savings is 48K per year. If you keep this up for 10+ years, you have your retirement fully funded. You could pay your children's college education from your annual savings. Especially if you...
by stoptothink
Tue Feb 07, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford?
Replies: 19
Views: 1669

Re: How Much House Can I Afford?

New construction so we wouldn't have to worry about any spending/work at least for the next 15-20 yrs, minus the cost of furnishing, etc. Hahaha...that's a joke, right? :P Exactly. There may not be enough space on this page to list the issues and out-of-pocket expenses we've had with our "new ...
by stoptothink
Tue Feb 07, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2717

Re: College kids driving cars (to live off campus)

A tip on bike riding in snow: Skinny tires are the best since they slice through snow, while mountain bike tires are the hardest since they have to displace a lot more snow. So if one wants more of a workout: mountain bike in snow, otherwise a nice road bike will be easier. While this is true, a fa...
by stoptothink
Tue Feb 07, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Washer and dryer - upstairs or downstairs?
Replies: 52
Views: 2932

Re: Washer and dryer - upstairs or downstairs?

livesoft wrote:^But, but, but ... stoptothink is a semi-professional athlete capable of unhuman strength with abs of steel chrome-alloy titanium. Most people would at least use a hand truck.


Even if you have to get a helper, it's a very minor hassle once every few years at most.
by stoptothink
Tue Feb 07, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Washer and dryer - upstairs or downstairs?
Replies: 52
Views: 2932

Re: Washer and dryer - upstairs or downstairs?

It's no big deal to get a washer and dryer up stairs. There are a significant number of homes where the living areas of the home are up a flight of stairs. All manner of household stuff, stoves, refrigerators, washers, dryers, king-size beds, large dressers, and bookcases etc, is routinely delivere...

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