Search found 3641 matches

by stoptothink
Thu Nov 23, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 49
Views: 2669

Re: Public or Montessori Private School

I looked into this A LOT when my kid was in PreK and found NO consistency of what makes a person successful at life let alone what school they came from. I know one likes to think you do "x" and you get "y" results. The only stuff I have found that matter is: Safety of the school, parents in the sc...
by stoptothink
Tue Nov 21, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5516

Re: Tipping in living wage state. Redux.

I bag my groceries myself, don't have a child, and don't interact with the people who stock my shelves. But no, I don't believe they are underpaid in the way my server is, so I wouldn't tip them if I had the opportunity. If I knew my server made $35/hr 40 hours per week I wouldn't tip so generously...
by stoptothink
Mon Nov 20, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1591

Re: What brand of used car - Hyundai vs Nissan?

Nissan is twice the car Hyundai is, too many complains about Hyundai warranty. Where have the complaints come from? FWIW, I had no under warranty issues with my last car ('09 Hyundai accent), in fact zero issues at all before giving it to my FIL at 8yrs old and with nearly 100k miles, but an employ...
by stoptothink
Mon Nov 20, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5441

Re: How much do you budget for vacation?

Right around 1.5K per year. This usually gets us 8 days or so at a S. California beach in the summer. Ditto, except we are a family of 4. Helps that I am from Southern California and we stay with family and friends. To be totally honest, when we return we usually ask ourselves if it was worth it. T...
by stoptothink
Mon Nov 20, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5441

Re: How much do you budget for vacation?

Right around 1.5K per year. This usually gets us 8 days or so at a S. California beach in the summer. Ditto, except we are a family of 4. Helps that I am from Southern California and we stay with family and friends. To be totally honest, when we return we usually ask ourselves if it was worth it. T...
by stoptothink
Mon Nov 20, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 101
Views: 6168

Re: Tesla truck unveil

A fully-loaded semi that can do 0-60 in 5 seconds? That sounds potentially dangerous given the size, and potential cargo shifting. And what about when the truck is empty and you have a hot-head boy-racer driver? No driver has experience controlling that combination of power weight and size in an 18...
by stoptothink
Fri Nov 17, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Refinance 30yr to 15yr mortgage?
Replies: 32
Views: 2915

Re: Refinance 30yr to 15yr mortgage?

To answer these questions, I'm not sure if it is cash flow positive.... My monthly obligations are about $1900 after mortgage, HOA fees, taxes. I get about $1500 from the renter, so there' s a deficit of $400 each month, but they are paying most of my mortgage and fees. To me that is cash flow posi...
by stoptothink
Fri Nov 17, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 101
Views: 6168

Re: Tesla truck unnveil

Certainly not what I got from Btenny's post. Fact of the matter is, the numbers Musk threw around were so far removed from what is possible today that it makes it really difficult to take it seriously. Are you talking about the acceleration numbers or battery charging speed(electrek has an article ...
by stoptothink
Fri Nov 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 101
Views: 6168

Re: Tesla truck unnveil

This dog and pony show was a joke IMO. Total vaporware or worse. It is not a product yet or even close. The truck does not work and will not tow any real heavy loads any significant distance because the design is not done. It is years away. The truck shown has no cooling or radiator for the power t...
by stoptothink
Fri Nov 17, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 101
Views: 6168

Re: Tesla truck unnveil

This dog and pony show was a joke IMO. Total vaporware or worse. It is not a product yet or even close. The truck does not work and will not tow any real heavy loads any significant distance because the design is not done. It is years away. The truck shown has no cooling or radiator for the power t...
by stoptothink
Fri Nov 17, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8220

Re: Has used furniture dropped in value dramatically?

On the subject of furniture losing its value... has anyone tried to sell a piano lately? --vtMaps :( The other thing that is often given away is barely used exercise equipment (treadmills, Nordic tracks, boflex, etc). Unfortunately almost all of it is the latest gizmo that promises amazing results....
by stoptothink
Fri Nov 17, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 14051

Re: MoviePass-Too good to be true, but it's legit.

If you offered to pay me $10/month but I had to go watch at least 1 movie in a movie theater per month, I'd probably pass. :D +1. I really dislike the experience. We might go once a year. That once a year was Tuesday, as part of our anniversary. Wife wanted to see Thor. Movie was OK, the very obese...
by stoptothink
Fri Nov 17, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Refinance 30yr to 15yr mortgage?
Replies: 32
Views: 2915

Re: Refinance 30yr to 15yr mortgage?

You should research 15yr mortgage rates, I don’t think 2.5% is possible without paying for points. I use this webpage http://www.mortgagenewsdaily.com/mortgage_rates/daily.aspx In the last 52 weeks the lowest a 15yr FRM has been is 3.12%. Yeah, I'd love to know where anybody is getting anything clo...
by stoptothink
Thu Nov 16, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5516

Re: Tipping in living wage state. Redux.

Maybe my sarcasm meter is broken because I'm having a very difficult time getting a read on this response. That's an unavoidable question for anybody who suggests they tip because they believe servers are underpaid, and I have a difficult time taking anybody seriously who says they tip everybody th...
by stoptothink
Wed Nov 15, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5516

Re: Tipping in living wage state. Redux.

Going in and not tipping because you think the waiters are adequately paid as is, is like trying to pay only 80% of the bill because you think the menu is 20% overpriced. No it isn't, because there is no explicit quid pro quo. I tip because I believe waitstaff are underpaid. If they receive an hour...
by stoptothink
Wed Nov 15, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 6681

Re: Sobering article for my 25 year old self

Balance is always the key, yes. But, people value different things in life. Many people derive high life satisfaction from being minimalist and enjoying people, experiences, and low-cost lifestyles. Many people derive satisfaction from being heavy consumers. And all along that continuum in between ...
by stoptothink
Wed Nov 15, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 903549

Re: What Movie Have You Recently Watched?

Went to see Thor Raganarok for our anniversary yesterday. Wife loved it. Me? Meh...I have a hard time getting into the whole aliens and other dimensions thing. My preferred type of superhero entertainment is like Batman Begins, Captain America Civil War, season 1 of Daredevil. I think it was well do...
by stoptothink
Tue Nov 14, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5516

Re: Tipping in living wage state. Redux.

tip. Anyway, this isn’t about tipping, generally, but about whether a change in pay structure (from a wage with a tip credit to a full minimm wage to a living wage) should change my tipping practice. I don’t see how it could possibly remain the same, to be honest. Bad logic. Why do you assume that ...
by stoptothink
Mon Nov 13, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5516

Re: Tipping in living wage state. Redux.

Slacker » Mon Nov 13, 2017 5:33 pm Thank you for this information. I am typically a "big" tipper, in part because of the low wages. Next time I am in California or Washington, I will certainly be modifying my tipping behavior to leave a smaller tip (5-10% sounds like a good start). In our LCOL area...
by stoptothink
Sun Nov 12, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Better credit or larger downpayment?
Replies: 18
Views: 1608

Re: Better credit or larger downpayment?

Dumb question - the OP is married per third post in thread, but he only talks about one credit score in first post. Here is the dumb question - I thought I had read that for a married couple buying a house, credit scores of BOTH spouses are NECESSARILY taken into account when a mortgage rate is off...
by stoptothink
Sat Nov 11, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6786

Re: Swedish Death Cleaning

The truth of the matter is that once you die no one cares about your stuff. Your relatives may go through it, they may save it. But, no one will really look at it too much, if ever, after the initial assessment. Pictures seem to be at the forefront of saving. No one cares. You can see that easily b...
by stoptothink
Sat Nov 11, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 4823

Re: what pickup truck

As a general rule, turbo-charged engines do not last as long as normally exasperated engines. This is because more hp & torque is being squeezed out of a smaller engine. This puts greater stress on the engine block and internal parts (pistons, connecting rods etc). This is the main reason turbo-cha...
by stoptothink
Fri Nov 10, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 41
Views: 2046

Re: Bicycle wheels - what's a reasonable budget

I think your weight is fine for a normal person, but for performance, cyclists are skinny - so keeping that in mind, at 5'11, a healthy weight ranges from 136 pounds+. That's right, you could stand to lose 20 pounds. Hard to believe right? I wouldn't do it if it were me, but if you really want to c...
by stoptothink
Thu Nov 09, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 41
Views: 2046

Re: Bicycle wheels - what's a reasonable budget

Wheels aren't your problem. On a flat road at constant speed there are two sources slowing you down - aerodynamic drag and rolling resistance. Your body is the biggest drag component. Aerodynamic wheels (deep section) will certainly help some, but honestly mostly if there is a crosswind, and partic...
by stoptothink
Thu Nov 09, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12743

Re: How old are you and how much do you save for retirement a year

29, $81,700 savings per year Traditional 401k - $21,000 (including company match) Roth IRA - $5,500 Taxable - $55,200 ($2,300 bi-monthly) That said I’m not actually sure I’ll use all of the taxable savings for retirement. I might use it to buy a home at some point. If your income is low enough to q...
by stoptothink
Thu Nov 09, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for some feedback on finances/planned home purchase.
Replies: 14
Views: 1234

Re: Looking for some feedback on finances/planned home purchase.

Even with good neighbors the shared walls will be an issue for noise. After having lived in an apartment for years, I was shocked at how much noise there is in a single family dwelling in a typical subdivision. Lawn mowers, blowers and trimmers early in the morning, loud motorcycles and thumpy musi...
by stoptothink
Wed Nov 08, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9640

Re: Disposable income... how?

You are a Prodigious Accumulator of Wealth (PAW). The folks you are wondering about are Under Accumulators of Wealth (UAW). - source: The Millionaire Next Door. I'm currently reading the latest edition of Stop Acting Rich by the same author - Stanley. I read the first book, most of the spending is ...
by stoptothink
Wed Nov 08, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12743

Re: How old are you and how much do you save for retirement a year

I'm 36, wife is 31. We both max our 401ks and Roth IRAs, so in the neighborhood of $50k/yr (with employer matches). The rest goes directly to paying extra principle on the mortgage, which we hope to have paid off in full within the next 5yrs (so, 7yrs total). By then, we'll no longer have two childr...
by stoptothink
Tue Nov 07, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9640

Re: Disposable income... how?

great advice in this thread. I remember driving through Santa Clarita, CA with a work colleague and he was flabbergasted by the external displays of wealth. I just told him that most of these people were broke and in debt up to their eyeballs. He was shocked and I'm sure it wasn't true for all but ...
by stoptothink
Mon Nov 06, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9640

Re: Disposable income... how?

Seriously I don't understand how people can just buy new phones, new vehicles and still go out every Friday eat a nice dinner and drink craft beers. How can people do that? Here is my life in a nutshell.. I am above the national average for income. Our household pulls in 100k a year with no cost me...
by stoptothink
Mon Nov 06, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9640

Re: Disposable income... how?

Seriously I don't understand how people can just buy new phones, new vehicles and still go out every Friday eat a nice dinner and drink craft beers. How can people do that? Here is my life in a nutshell.. I am above the national average for income. Our household pulls in 100k a year with no cost me...
by stoptothink
Mon Nov 06, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9640

Re: Disposable income... how?

I wouldn't spend too much time thinking about it. It falls under the "Nobody knows anything" and "Every scenario is different". Maybe their parents have mineral rights and send their kids $20k/month checks. You can't really tell anything about anyone's specific scenario and it doesn't do much good ...
by stoptothink
Mon Nov 06, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: A small inheritance, student loans, and a wedding...I want to invest.
Replies: 27
Views: 1686

Re: A small inheritance, student loans, and a wedding...I want to invest.

You took out $60K in loans to get a $30K/yr job and now want to spend $20K on one evening of your life? :oops: Not to pile on, but this is the reality. I know the saying "happy wife, happy life," but you have to consider if your future spouse will not compromise on having a $20k wedding, maybe you ...
by stoptothink
Mon Nov 06, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 11079

Re: Got an iPhoneX

Lol anyone who still has a flip phone these days has it just to be different. One of my good friends was a flip-phone snob until he recently left it in the airport bathroom (he thinks...no find my iPhone!). He was crushed because he finally had to give in to consumerism. But even he has to admit th...
by stoptothink
Fri Nov 03, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 301
Views: 20586

Re: To take or not to take delivery of Tesla 3

Look up what a Mercedes/BMW/Audi dealer charges for a 90k car. It is within a couple hundred bucks of what Tesla charges. Tto me the real question is more what nonstandard maintence (i.e. my honda had a 1000 dollar timing belt that needed to be changed at 90k) will end up costing. I think in theory...
by stoptothink
Fri Nov 03, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 38
Views: 4369

Re: Lease New Car?

In my opinion, modern safety and technology is a lame excuse of keeping buying/lease new car every other 3 years. Same here. If you buy a brand-new car with all the modern safety features, it doesn't suddenly become a deathtrap in 3 years when new safety technology comes out. Barring mechanical iss...
by stoptothink
Thu Nov 02, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 301
Views: 20586

Re: To take or not to take delivery of Tesla 3

Well, my niece just purchased out the door (in VA) a brand spanking new VW Jetta for ARE YOU READY ARE YOU READY $12.5K Aren't you now unhappy about your $19.5 Civic purchase? :twisted: The rest of the story? Did she trade her 2 year old Civic? Agree to work part time for the dealer? Hard to figure...
by stoptothink
Tue Oct 31, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 14844

Re: "Best" Online Degree if already a college graduate

As has already been said, a Univ of Phoenix degree, and others like it, is a negative and resumes go right in the trash for me. For an online or partial online from a state or established school, I could care less if it was online or not. But, there are some schools I know are almost entirely onlin...
by stoptothink
Tue Oct 31, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 14844

Re: "Best" Online Degree if already a college graduate

From what I can tell the tide has changed. Employers are starting to actively seek out those who earned degrees from virtual colleges. Why, because they know they tend to be disciplined, are able to be trained inexpensively via electronic education, know how modern collaboration tools work, are com...
by stoptothink
Tue Oct 31, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: New baby and considering going to one income
Replies: 28
Views: 2495

Re: New baby and considering going to one income

Thank you all for your comments and personal stories. I would love to one day be able to tell people that we did what was absolutely best for our daughter and that my wife stayed home with her. I just look at her little face and I can't imagine sending her to somebody else to care for her for 9 hou...
by stoptothink
Mon Oct 30, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 301
Views: 20586

Re: To take or not to take delivery of Tesla 3

Returned recently from a multi-state motorcycle camping trip starting in Calif and heading thru NV, UT, CO, NM, and AZ before returning. Once we got East of Palmdale, CA we saw no Tesla's, no German cars other than a few VWs, no Mazdas, no Jags, Land Rovers, Range Rovers, or other high end cars. Pr...
by stoptothink
Sat Oct 28, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18625

Re: Early-retired 35 year old with $1 million

Congratulations on where you've gotten so far, but get a grip, you're not close unless you, your GF, and whatever kids you have will live like paupers. Even with a paid off house you would have to live very frugally to make your money last. ...Living on $30,000 - before taxes - would be a pretty ba...
by stoptothink
Fri Oct 27, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 2909

Re: dishwasher recommendations

Whatever the brand, I think it is definitely worth paying extra for the "quiet" models. I never realized how much noise a standard dishwasher makes until we got one that was supposed to be the quietest model available at the time. Sometimes when I hear the soft beep from the kitchen signaling the c...
by stoptothink
Fri Oct 27, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: My fear about buying a house justified?
Replies: 72
Views: 6125

Re: My fear about buying a house justified?

That is pretty much all personal opinion. Some people are fine living in condos (I have spend a decade in them and I have never heard my neighbors. ) and don't want yards. Others do. And without knowing the person you have to way of judging if you have moved the person from a 10 min commute to a 60...
by stoptothink
Thu Oct 26, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12283

Re: Request for Promotion letter to Senior Management

Palatineman wrote:
Thu Oct 26, 2017 12:05 pm
There should always be a fairness in life to reward someone for their accomplishments and potential to ensure one's efforts get compensated accordingly for the value that is being provided.
I think you have already seen that your superiors don't necessarily agree with this statement.
by stoptothink
Thu Oct 26, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12283

Re: Request for Promotion letter to Senior Management

The letter is a terrible idea, but then again it may not even matter whether you send it or not. Sometimes you can see your future in organizations and it sounds like you can see yours; you just don't like what it says. From what I can tell, you've been banging on about a promotion for some time no...
by stoptothink
Wed Oct 25, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 5185

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

FWIW, my brother has a '14 AMG E63 wagon. He purchased it for a very similar reason and it has been a disaster. At this point it sits in the garage as it has become a maintenance nightmare (has had several issues not covered by warranty), he is underwater on it, and it is very expensive to fix. Eve...
by stoptothink
Wed Oct 25, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 68
Views: 4331

Re: what is your weekly workout routine?

I've enjoyed reading the workout routines. A few people in this thread have mentioned yoga as an option. I'm curious if people here do classes vs online videos, how often and maybe suggestions on how to start a routine. I'm in my mid 40's and realize I need to stretch more often to continue playing...
by stoptothink
Tue Oct 24, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8295

Re: Building very high net worth

...except Bogleheadville. Statements like those made by Pajamas in this thread are why a lot of normal people are intimidated by this board. Bogleheadville isn't mostly people with a very high net worth according to current standards. I am certainly nowhere near it and will likely never be. Most pe...
by stoptothink
Tue Oct 24, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8295

Re: Building very high net worth

I believe in 2015 $7-8MM puts you in the 1% for NW. I would guess that number is $8-9 now, and closer to $9MM. You are mathematically stating that being well into the 1% for NW is "just comfortable." Of course where you live has major implications and I'm assuming you are incorporating VHCOL. J. Pa...