Search found 3551 matches

by stoptothink
Mon Sep 25, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 3907

Re: Asking for no wedding gifts

And if it's the kind of wedding where you are expected to cover your plate, your invoice will come to you through well-planned whispers , or just through being in the kind of crowd that knows what such things cost - "if it's at (fill in the venue), then it's $500." "Your invoice will come to you th...
by stoptothink
Mon Sep 25, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 5316

Re: Spouse Money Management

retire57 wrote:
Mon Sep 25, 2017 5:10 pm
greg24 wrote:
Mon Sep 25, 2017 3:53 pm
This thread and the "girlfriend college major" thread say more about the OP than the girlfriend.
+1
+2
by stoptothink
Mon Sep 25, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 3907

Re: Asking for no wedding gifts

And if it's the kind of wedding where you are expected to cover your plate, your invoice will come to you through well-planned whispers , or just through being in the kind of crowd that knows what such things cost - "if it's at (fill in the venue), then it's $500." "Your invoice will come to you th...
by stoptothink
Mon Sep 25, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 3907

Re: Asking for no wedding gifts

Personally, I find it more tacky when folks don't cover their plate in a wedding, especially when they have the means. When you invite guests to your home for dinner, do you expect them to pay you for the meal? Do you give them a bill? Do you accept credit cards or cash only? Inviting guests to a w...
by stoptothink
Mon Sep 25, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 74
Views: 4981

Re: Tipping question....Applebees

the real question is not only tipping, but also applebees in general - is it worth eating there for $45? Value of the meal may be more impactful than the amount of the tip. The tip is smaller than the food. +1. I think the tipping culture in the U.S. makes zero sense, so instead of complaining abou...
by stoptothink
Sun Sep 24, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23661

Re: Calling out the not so rich bogleheads

Anyway, I'm glad some of you realize that those of us who don't make 6 figures have some different dilemmas to deal with than you do. Those post of I have 4 million in my roth, 3 in my ira, 400k in savings, and a house worth 2 million am I doing ok? Are really annoying. The correct answer is you wo...
by stoptothink
Sun Sep 24, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 23661

Re: Calling out the not so rich bogleheads

Anyway, I'm glad some of you realize that those of us who don't make 6 figures have some different dilemmas to deal with than you do. Those post of I have 4 million in my roth, 3 in my ira, 400k in savings, and a house worth 2 million am I doing ok? Are really annoying. The correct answer is you wo...
by stoptothink
Sat Sep 23, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1504

Re: What am I thinking.. a new car finance thread.

Here's the thing about AMG's... nice cars... good cars, but their component pricing is way out of whack. Basically, take the prices of a normal mercedes part, and then multiply them by 4. For fun, I was looking at the shocks once for a SL55 AMG -- they were basically electronically stabilized hyrdr...
by stoptothink
Sat Sep 23, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 3907

Re: Asking for no wedding gifts

Send a wedding announcement with a tasteful note explaining that your house is fully furnished and you don't need gifts. Suggest that people who want to send gifts donate instead to their favorite charity, not yours. I know we all come from different backgrounds, but in American culture, this isn't...
by stoptothink
Thu Sep 21, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4341

Re: Costco vs sams club vs neither.

At some point I'll check it out but I have a strong suspicion that while there may be some nominal savings I'm not sure it will be worth the time and effort. I really dislike long lines. If I have to drive an extra 20 miles round trip and spend an additional hour driving, wading through massive ais...
by stoptothink
Thu Sep 21, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2783

Re: Should I even bother with buying a school picture?

1) The reviews for this place are abysmal. Lots of parents complaining about the poor quality of their photos, and wanting to get the district to change the vendor. The district has refused.. 2) The order form says they will NOT take his picture unless we prepay online or hand a check before sittin...
by stoptothink
Thu Sep 21, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2783

Re: Should I even bother with buying a school picture?

Just had this conversation with my wife last week when the Kindergarten photo packet came. As did I. My wife takes 10 pictures of our kids a day, I was totally confused as to why she thought it was necessary to buy these, which will be taken with a camera no better than hers and by someone likely l...
by stoptothink
Tue Sep 19, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3189

Re: How much do you spend on "entertainment"?

$8/month. That's for Hulu, we are on my parent's Netflix account. We might go to the movies once a year, we used to have a family pass to a series of local museums but the kids got sick of them so we cancelled, we might go indoor rock climbing 1-2x a year, and we literally never eat out. Concerts, s...
by stoptothink
Mon Sep 18, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

There's a better way to analyze this. Figure out your hourly wage, by dividing your salary by number of hours worked in a year. Any services significantly under this hourly rate you should outsource, unless you enjoy the task or don't value your free time/leisure. By making your own lunch every day...
by stoptothink
Sat Sep 16, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 156
Views: 9431

Re: Companies/Brands You Love?

Is nobody going to mention IKEA? I'm not saying I love them (I avoid going as much as possible), but certainly we have a number of household items that we could never have found anywhere else at a comparable price with a similar design aesthetic. I absolutely hate going there, but I have to agree. ...
by stoptothink
Sat Sep 16, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

Two years ago, I began intermittent fasting. This was a conscious decision I made for my health. I eat one meal per day, dinner, which I cook at home. I will normally have two small healthy snacks consisting of nuts, fruit or vegetables prior to and after my dinner. What began as a health decision ...
by stoptothink
Fri Sep 15, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 854

Re: Equifax security manager had a music degree -- what?

The CTO of my 4,000+ employee health company has no formal "tech" education. My wife works for a pretty large data security company, who is in fact quite likely to be helping to get to the bottom of this mess, and their CTO as well doesn't have any formal education in the field (though he has a numb...
by stoptothink
Fri Sep 15, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2819

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

You use 18 times as much electricity as me... Jeez I use about 230kwh per month, with ac all summer and gas heat all winter in Illinois My highest gas bill ever was 70. My highest electric bill ever was 55 I'm not sure how you get by with so little - I have the AC at 74 - which is a huge culprit - ...
by stoptothink
Fri Sep 15, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

My example is very prevalent in the real world. Many folks believe that they should buy a house 3 to 4 times their gross income. After that, nothing else matters. KlangFool Many of us have to. My gross income is $60,000. You can't get a house in my town for less than $180,000. There just aren't any...
by stoptothink
Fri Sep 15, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I am constantly amazed that people try to make this point. Does the act of traveling to and from a restaurant, being seated, and then waiting for your food (then the bill) not take time? I've discussed ad nauseum how I handle it and I do not suggest that everybody can or should do it like we do BUT...
by stoptothink
Fri Sep 15, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 3646

Re: The true cost of Luxury

That website is hilarious, selling $48.20 "luxury" tee shirts with a story about the company's name: Gregory de Harlez, founder of classic menswear brand Escuyer, explains his company's unique ties to medieval shield bearers Company was founded in 2013, but its name provides that unique tie to the ...
by stoptothink
Thu Sep 14, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I am constantly amazed that people try to make this point. Does the act of traveling to and from a restaurant, being seated, and then waiting for your food (then the bill) not take time? I've discussed ad nauseum how I handle it and I do not suggest that everybody can or should do it like we do BUT...
by stoptothink
Thu Sep 14, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

There's a better way to analyze this. Figure out your hourly wage, by dividing your salary by number of hours worked in a year. Any services significantly under this hourly rate you should outsource, unless you enjoy the task or don't value your free time/leisure. By making your own lunch every day...
by stoptothink
Thu Sep 14, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

mak1277 wrote:
Thu Sep 14, 2017 2:00 pm
HomerJ wrote:
Thu Sep 14, 2017 12:44 pm
I bought a boat and a jetski with all the money I've saved not eating out every day at work.
you win the thread...shut 'er down!
Homer has a way of providing oddly relevant context in these hotly debatable threads.
by stoptothink
Thu Sep 14, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I've been doing this, but with healthy cereal . I will have 2 bowls of Cheerios 2 or 3 times a week. Eat a regular lunch the other 2 lunches. Not trying to get this shut down, but would you consider something with this ingredient list healthy? Everything you eat is going to kill you. When I use the...
by stoptothink
Thu Sep 14, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

Modified Corn Starch, Sugar, Salt, Tripotassium Phosphate, Wheat Starch. Then the milk, which it is pointless getting into a debate about. Health is my world, specifically obesity; it is really hard to induce change when people have been led to believe that cereal is a healthy start to the day, tha...
by stoptothink
Thu Sep 14, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I've been doing this, but with healthy cereal . I will have 2 bowls of Cheerios 2 or 3 times a week. Eat a regular lunch the other 2 lunches. Not trying to get this shut down, but would you consider something with this ingredient list healthy? Whole Grain Oats (includes the oat bran), Modified Corn...
by stoptothink
Thu Sep 14, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I've been doing this, but with healthy cereal . I will have 2 bowls of Cheerios 2 or 3 times a week. Eat a regular lunch the other 2 lunches. Not trying to get this shut down, but would you consider something with this ingredient list healthy? Whole Grain Oats (includes the oat bran), Modified Corn...
by stoptothink
Thu Sep 14, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I make something in a slow cooker every Sunday to provide 4-5 lunches for the week. I try to limit carbs, so this is usually heavy on meats and vegetables. It runs around 15-20 dollars for the pot. I enjoy it as much or more than foods out, and it is typically healthier than the places I would go. ...
by stoptothink
Thu Sep 14, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I make something in a slow cooker every Sunday to provide 4-5 lunches for the week. I try to limit carbs, so this is usually heavy on meats and vegetables. It runs around 15-20 dollars for the pot. I enjoy it as much or more than foods out, and it is typically healthier than the places I would go. ...
by stoptothink
Thu Sep 14, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I'm being judgmental but I don't understand how some people eat the Same lunch everyday for like 20/30 years. Routines are good but wow oh wow. I bring my lunch like 3 times a week. If you can't or are not interested in doing it yourself, great. But, with the possible health and financial benefits,...
by stoptothink
Thu Sep 14, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I'm being judgmental but I don't understand how some people eat the Same lunch everyday for like 20/30 years. Routines are good but wow oh wow. I bring my lunch like 3 times a week. If you can't or are not interested in doing it yourself, great. But, with the possible health and financial benefits,...
by stoptothink
Thu Sep 14, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 27
Views: 1954

Re: Book Recommendations: Nutrition / Psychology

The China study for nutrition. I think even T. Colin Campbell has given up trying to support it as legit science. Could you give a citation for that claim. I can't find one. A citation for a study that the writer of a book (it is not a study, Campbell's data or analysis was not peer-reviewed) has g...
by stoptothink
Wed Sep 13, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I'm being judgmental but I don't understand how some people eat the Same lunch everyday for like 20/30 years. Routines are good but wow oh wow. I bring my lunch like 3 times a week. If you can't or are not interested in doing it yourself, great. But, with the possible health and financial benefits,...
by stoptothink
Wed Sep 13, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16766

Re: Iphone X is $1000

I'd take that bet in a heartbeat as well. Alfaspider is insane if he thinks the primary purchasers of this new phone are going to be the wealthy. I must have spoken to a dozen people yesterday who were itching to reserve one, not a single one of these people even makes $50k and several of them make...
by stoptothink
Wed Sep 13, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Brother in College Co-Signing w/ Buddy for Duplex
Replies: 41
Views: 2820

Re: Brother in College Co-Signing w/ Buddy for Duplex

Former BYU student. My aunt/uncle own a bunch of duplexes, etc. around campus. They have seen awesome amounts of appreciation, especially a few years ago when BYU made housing requirements more strict (maybe 7-8 years ago?). But they now aren't seeing any appreciation and aren't expecting anymore. ...
by stoptothink
Wed Sep 13, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16766

Re: Iphone X is $1000

From William Bernstein's "If You Can. How Millenials Get Rich Slowly": https://s26.postimg.org/5uuxacnah/Capture.jpg source: https://www.etf.com/docs/IfYouCan.pdf Fair point, but I'm willing to bet most people who are shelling out for the "X" model aren't going to be at the median income. A $1,000 ...
by stoptothink
Wed Sep 13, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

I'll go ahead and one up all you brown baggers: Here's a realistic lunch hour for me: 1. Swim for 45 minutes (or some other active workout) 2. Fast through lunch (yes, fasting isn't bad for you - there is a legit doctor who has written a whole book on the benefits of fasting). And I'm not at all a ...
by stoptothink
Tue Sep 12, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16766

Re: Iphone X is $1000

I dont buy on cost, i buy on ROI. iphones have an incredible ROI for me in time, convenience, access, work, and features. I will likely buy. Never had one that didnt have a huge ROI. Way more than any index fund. YMMV. Uhm.. What happened to your current phone? If Apple were not to introduce a new ...
by stoptothink
Tue Sep 12, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

To me, this is like the "latte factor." Yet another way people justify sacrificing small things by trying to add up savings and pretending that saved money has been/would be invested for X years at X percent. I look at it from a totally different perspective; literally flipped on its head and the n...
by stoptothink
Tue Sep 12, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

KlangFool has a good point. In the grand scheme of things you aren't talking a lot of money. You can save far more by owning a home that is more easily affordable to you and by having a non-luxury car that is easily afforded. Everyone I know in my income range live in more expensive houses and driv...
by stoptothink
Tue Sep 12, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

My wife and I pretty much bring lunch from home to eat at the office every day. We've been doing this all of our respective 22 year careers to date. I've noticed in my office, some people do the same as me. And others go to our cafeteria or get take out every, and I mean EVERY, day. So I was curiou...
by stoptothink
Tue Sep 12, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

Cook in batches, make enough for your main meal and to add to your lunch. I saute a huge batch of vegetables, etc. use some for your lunch, use some for main meals, end of week, rinse, repeat. Constructing a lunch should not take more than a few minutes, it takes me longer to empty my dishwasher. N...
by stoptothink
Tue Sep 12, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

KlangFool has a good point. In the grand scheme of things you aren't talking a lot of money. You can save far more by owning a home that is more easily affordable to you and by having a non-luxury car that is easily afforded. Everyone I know in my income range live in more expensive houses and driv...
by stoptothink
Tue Sep 12, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4231

Re: China to ban petrol cars

Jack FFR1846 wrote:
Tue Sep 12, 2017 12:48 pm
...if everyone has an EV, will everyone pull into a charging station and wait for 4 hours while the 5 cars before you use the supercharger? Think Labor day weekend.[/b]
This is a serious logistical problem that I never hear brought up.
by stoptothink
Tue Sep 12, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17354

Re: Is it really Worth it to brown bag your lunch at work?

My wife and I pretty much bring lunch from home to eat at the office every day. We've been doing this all of our respective 22 year careers to date. I've noticed in my office, some people do the same as me. And others go to our cafeteria or get take out every, and I mean EVERY, day. So I was curiou...
by stoptothink
Mon Sep 11, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 8375

Re: For those planning early retirement....

One common mistake retirees make is moving to a low-cost, low-tax area where there is nothing to do and any entertainment requires a long drive. Upon retirement, I moved to the immediate vicinity of Washington, D.C. Here, I have access to enough free events to keep me entertained around the clock. ...
by stoptothink
Wed Sep 06, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 23419

Re: Name something you had to have and now you regret purchasing it?

Amazon Echo I thought I would regret buying my Echo, but it turns out I use it much more than I thought I would and really get a ton of utility from it . Such as? I've always wondered what the utility of those products is. Seemed to me to be in the same category as smart watches, a cool new gadget ...
by stoptothink
Wed Sep 06, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8640

Re: Contemplating an Electric Car

FWIW, the charging network is expanding every day and it won't be long before charging stations will be as plentiful as gas stations. 300 miles of range is perfectly normal for a large car. The problem isn't the car, it's the need for more charging stations. Regardless, when solid state batteries s...
by stoptothink
Wed Sep 06, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8640

Re: Contemplating an Electric Car

We took a Labor Day weekend trip, and every Model S we saw was hypermiling it, getting passed by semis, and apparently just hoping to make it to their destination. No thanks. That's kind of a big assumption. FWIW, the charging network is expanding every day and it won't be long before charging stat...