Search found 772 matches

by Go Blue 99
Fri Sep 15, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17347

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

I brown bag 4 days a week and eat out once. We have a gym at work so this gives me the chance to work out, and then eat lunch at my desk. I admit I do love the one day I go out to lunch, as we have a lot of great food options near the office. I go with coworkers about 25% of the time. My wife pretty...
by Go Blue 99
Fri Sep 15, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 765

Re: [ShopRunner] from AMEX

I've used Shoprunner for years. It's solid, but not as good as it used to be. Companies started cutting back or putting in minimum purchases once they figured out they were losing money on the arrangement.
by Go Blue 99
Sat Aug 19, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11896

Re: Is it worth it? [demanding jobs vs time with family]

No amount of money is worth letting others raise your children One does not have to be a stay at home parent to "raise their children." Being a stay at home parent is a fine choice, but to imply that a parent who decides to (or has to) work is not raising his or her child is ignorant, offensive, an...
by Go Blue 99
Fri Aug 18, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15843

Re: Jobs that pay over $100,000

Sales or Human Resources. I doubt many HR jobs pay 100k+, at least not at the start. HR is also usually the first department to experience downsizing when companies need to reduce expenses. That's what I was thinking. It has always been known as one of the lower paying departments at places I've wo...
by Go Blue 99
Sun Jul 30, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 5744

Re: TSA Pre-check for free

What type of friend likes to constantly tease you about a purchase? :|
by Go Blue 99
Sun Jul 30, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30530

Re: What you wish you had known entering your late 20's

I wish the wife and I took more international vacations before having kids. We did a couple, but wish we had done more.
by Go Blue 99
Sun Jul 30, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide if you can afford something?
Replies: 63
Views: 3793

Re: How do you decide if you can afford something?

If we can make the purchase without having to sacrifice in other areas, we can afford it. These days my question is more- do we want to spend money on this item?
by Go Blue 99
Sat Jul 29, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: How much income and down payment to afford 300k house?
Replies: 50
Views: 4286

Re: How much income and down payment to afford 300k house?

Keepcalm wrote:USAA pre-approved me last week for a 240,000 house on 80k income. Just goes to show banks still have not learned their lesson. Surprised since it was USAA.
That is 3x gross income- what makes you think that USAA should have rejected that?
by Go Blue 99
Sat Jul 22, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 135
Views: 11702

Re: What's your personal savings rate?

Last year it was 34% of job gross income, an all-time high for us. That will go down this year as we just had another baby and also buying a new house.

I doubt we will ever be in the 50%+ range because we tend to be spenders :wink:
by Go Blue 99
Sat Jul 22, 2017 9:13 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3146

Re: Commuters (that drive), what do you listen to?

podcasts on various topics (personal finance, sports, technology, mysteries, news)
audio books (just started Trevor Noah's Born a Crime)
sports talk on radio/XM
music on radio/XM/phone
by Go Blue 99
Mon Jul 17, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: kitchen appliance recommendations, esp refrigerator
Replies: 32
Views: 2185

Re: kitchen appliance recommendations, esp refrigerator

We are buying a new fridge so I've been doing a ton of research. Consumer Reports highest rated brands are LG and Samsung. Both of their repair infrastructures are poor though. So basically you're in trouble if they break down. That's why you so many negative reviews of those brands online. That sai...
by Go Blue 99
Sun Jul 16, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Window Blinds - Bali, Levolor, Hunter Douglas
Replies: 30
Views: 65269

Re: Window Blinds - Bali, Levolor, Hunter Douglas

New to this home ownership shindig, and have to figure out what kind of blinds to get. In terms of brands, I want something that will not have a cheap, rickety mechanism that gets stuck and causes annoyance. Otherwise want relatively plain vanilla blinds that are inexpensive and reliable. Home Depo...
by Go Blue 99
Sat Jul 15, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tips and advice from those who had their homes built
Replies: 13
Views: 1307

Re: Tips and advice from those who had their homes built

This topic has come up often lately. Here is one example that will give you ideas:

viewtopic.php?t=220688
by Go Blue 99
Fri Jul 14, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 10283

Re: Do you count vehicle equity in net worth?

I do include cars. It's easy to get a reliable value and I update it once a year.
by Go Blue 99
Fri Jul 14, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Georgia vs Vanguard 529
Replies: 2
Views: 254

Re: Georgia vs Vanguard 529

I'm also in Georgia. You only get the tax deduction if you use the instate plan.

We contribute the max deduction amount to GA, then any leftover goes into the Utah plan.
by Go Blue 99
Wed Jul 12, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of real estate agent for buying new construction?
Replies: 25
Views: 1403

Re: Benefits of real estate agent for buying new construction?

We are using an agent for our new construction home. He does a 1.5% rebate so we figured it would be a good way to have expert advice and get some money back after closing.
by Go Blue 99
Tue Jul 11, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 3062

Re: instant pot [Pressure cooker]

It's fantastic for cooking all types of items. I've convinced about 8 people to buy one also.
by Go Blue 99
Wed Jul 05, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 13069

Re: How did you handle the costs of your child's wedding?

I have two daughters and will just plan on paying for it out of taxable accts. If groom's parents want to help, that is fine with me.
by Go Blue 99
Wed Jul 05, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3770

Re: Delta Air - various classes of service

We love Delta and aim to book them whenever possible. They have tons of flight options, great customer service, and many planes have individual tvs with free new movies. Price-wise, they aren't great. That's the only downside for us. Southwest is typically cheaper but they have terrible flight times...
by Go Blue 99
Tue Jul 04, 2017 3:25 am
Forum: Personal Consumer Issues
Topic: When to leave a job?
Replies: 11
Views: 2007

Re: When to leave a job?

I wouldn't focus on sticking around and waiting for a 6 month severance package (unless you really need the money). I'm at a megacorp and facing this issue in late 2018 when I'm going to lose my job. I think it's better to look for a job while you already have one. You can be pickier this way, and y...
by Go Blue 99
Mon Jul 03, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Verizon- Why do they treat old customers worse?
Replies: 47
Views: 5426

Re: Verizon- Why do they treat old customers worse?

Selfishly, I actually like that tv providers do this. It's an incentive for long-time customers to call in and negotiate a better deal. If they gave all customers a good deal, then I wouldn't be able to score the huge discounts I get from DIRECTV every year.
by Go Blue 99
Sun Jul 02, 2017 1:54 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire - Concierge Service experience
Replies: 6
Views: 1981

Re: Chase Sapphire - Concierge Service experience

My buddy was recently raving about the Sapphire Reserve concierge service. He said they helped him get a reservation to a Vegas restaurant he really wanted to eat at. The restaurant had told him they had no tables.
by Go Blue 99
Sun Jun 18, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Building a semi-custom home
Replies: 1
Views: 415

Re: Building a semi-custom home

There have been a few recent topics on this. Here is one: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=220688&p=3401648&hilit=Construction+house#p3400097 We are going through this process right now with a home to be finished in Sept. So far it's been a fun process. Are sure you ...
by Go Blue 99
Sun Jun 18, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 19
Views: 2845

Re: Lg refrigerator vs Samsung refrigerator.

We are also fridge shopping so I've been doing a ton of research on brands. Samsung and LG are highly rated for reliability. Consumer Reports has an LG model as their too fridge and a Samsung as their #2. Yale Appliance Blog also puts high ratings on both. CNET and reviewed.com also love both brands...
by Go Blue 99
Thu Jun 15, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 429

Re: Utah 529 or Vanguard 529

I like Utah because you can create your own allocation using all of their investment options (including vanguard and DFA). So it's a fun 529 plan if you are a slicer and dicer.
by Go Blue 99
Thu Jun 08, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 1954

Re: New Construction Buying Advice

Look into a buyers agent that will refund you a portion of their commission. In our city, there is a lot of agent competition specifically for new construction buyers, since there isn't as much effort for agents. There is even one agent who offers a 2.25% commission refund if you buy new constructio...
by Go Blue 99
Sun Jun 04, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: New laptop needed, any ideas?
Replies: 24
Views: 1850

Re: New laptop needed, any ideas?

Laptop deals in the $500 range come up often on the Slickdeals Laptop forum. I'd monitor this site:

https://slickdeals.net/forums/forumdisp ... r=desc&r=1
by Go Blue 99
Sat Jun 03, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 36
Views: 4941

Re: Recommendation of Security Cameras for Exterior of House

I'm moving into a new home in a few months and have been researching security camera options. If you want something highly reliable and with a high picture quality, you'll want to pre-wire. Our builder was charging close to $1500 for that, so we passed. There are a bunch of wi-fi options on the mark...
by Go Blue 99
Fri Jun 02, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How to treat and budget gift money?
Replies: 3
Views: 345

How to treat and budget gift money?

This is a question about how to treat income that is basically gift money. A few years back, my brother-in-law (wife’s brother) took most of his parents’ money and started an LLC. Each family member received an ownership stake in the LLC, with my wife getting 20%. The LLC originally only invested in...
by Go Blue 99
Mon May 29, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: HR Experts- is a PHR/SPHR worth it?
Replies: 7
Views: 833

Re: HR Experts- is a PHR/SPHR worth it?

I asked my wife, who is an HR Director with a PHR. She says the PHR is best for entry level HR workers who don't have a lot of experience. If you have a lot of experience, then it won't be very beneficial. She also says it will have zero effect on your pay.
by Go Blue 99
Tue May 23, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: best for web surfing: trackpoint or touchpad?
Replies: 12
Views: 942

best for web surfing: trackpoint or touchpad?

My personal laptop use consists of 90% web surfing. Even though I’m not a business customer, I’ve always purchased ThinkPads because I love their trackpoint (aka the little red nub) for surfing. I find that using the trackpoint in combination with the physical middle click button right below the key...
by Go Blue 99
Mon May 22, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1334

Re: ebates experiences - what downsides?

Ebates is legit- been using it for years. The only downside I've found is that you have to remember to start at ebates before putting something in your cart.
by Go Blue 99
Fri May 19, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Suggested Reading or Advice for Father-to-be
Replies: 28
Views: 2413

Re: Suggested Reading or Advice for Father-to-be

Congrats! We have our second child on the way next month.

I enjoyed the parenthood books that are geared towards fathers. They were a good mix of humor and information. The ones I read were "The Expectant Father" and "Dad's Pregnant too!".
by Go Blue 99
Mon May 15, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: thoughts on the FP&A (financial analysis) certification?
Replies: 4
Views: 616

thoughts on the FP&A (financial analysis) certification?

Does anyone here work in corporate FP&A (financial planning & analysis)? If so, what are your thoughts on the official FP&A certification that is handled by the Association of Finance Professionals (AFP)? My megacorp has a relationship with AFP, and they are offering free study guides an...
by Go Blue 99
Fri May 12, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4901

Re: Best cities for older tech workers?

There are a multitude of IT jobs in the northern Atlanta suburb of Alpharetta. As long as you are ok with suburban life, it's also a great place to live. So then you wouldn't have to worry about traffic.
by Go Blue 99
Fri May 12, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with new offer Vs. current position
Replies: 12
Views: 1629

Re: Struggling with new offer Vs. current position

I see you didn't mention benefits. How is the vacation time? How is the 401k plan/match and health insurance? Can you telecommute? These would all be vital factors for me.
by Go Blue 99
Thu May 11, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Volvo XC90 vs Acura MDX vs GMC Acadia
Replies: 7
Views: 1416

Re: Volvo XC90 vs Acura MDX vs GMC Acadia

The redesigned XC90 is a beautiful car. I also like that they are fairly rare on the road. I don't know much about Volvo reliability though, so I'd be worried about repair costs. You can never go wrong with an MDX due to quality and reliability, though it won't excite you. My BIL and SIL bought the ...
by Go Blue 99
Thu May 11, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 14988

Re: Most Common Financial Mistakes

Here's one that might be controversial, but I think is accurate. Not making more money. For reasons unknown to me, some of which could be perfectly valid, I see folks that are content with their job, income, and career path (or lack thereof). But some people don't want to make more money by switchi...
by Go Blue 99
Mon May 08, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Cord Blood Banking
Replies: 22
Views: 2622

Re: Cord Blood Banking

I have a bunch of young doctors in my family and none of them did this for their kids. And obviously they could afford it. So we didn't do it either.

I also know a genetics scientist and he said it's a borderline scam.
by Go Blue 99
Sun May 07, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 8455

Re: Stay home with kids?

Tycoon wrote:The choice was easy for us. Parent or $7.25/hr stranger? Parent was the right choice.


That's your choice, but did you really need to put your "holier than thou" spin on it?
by Go Blue 99
Sat May 06, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paying a 1% deposit for a mortgage rate lock?
Replies: 2
Views: 487

Paying a 1% deposit for a mortgage rate lock?

We are moving into a new home in early September, and want to lock in an interest rate. We are getting a Jumbo 30 year fixed. Our builder's preferred lender is Wells Fargo, and we are getting some closing cost credits as well as a credit towards a rate lock. They are offering a 5 month lock for $120...
by Go Blue 99
Fri May 05, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Atlanta teppanyaki
Replies: 9
Views: 1187

Re: Atlanta teppanyaki

There aren't really any standouts in the metro Atlanta teppanyaki scene. I'd just pick what is convenient for you.
by Go Blue 99
Tue May 02, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 8320

Re: Favorite Financial Indulgences

Dinners at fancy restaurants for special occasions.
Upgrading to an oceanfront hotel room when traveling to a beach.
We don’t buy cars often, but when we do, we add every possible option.
by Go Blue 99
Mon May 01, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4690

Re: Buying couches the Boglehead way

Sofas get a lot of use in our household, so we are fine spending more for a higher quality item (we buy cheaper stuff for guest bedrooms, dining room, office, etc). Think about cost per use. We bought our current sofa from Haverty’s and it’s holding up well after 9 years. We are moving into a new ho...
by Go Blue 99
Wed Apr 26, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 21972

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

I wouldn’t call ourselves frugal. Compared to the typical Boglehead, we probably spend a lot. But our key is that we LBYM. We’ve also never spent a dime of any unexpected bonus, overtime, side business income, etc. That money just goes into investments or savings acct. I get enjoyment from looking a...
by Go Blue 99
Sun Apr 23, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 4113

Re: how much house can we afford? Boston area.

am wrote:Assuming down payment of 20%, I'd go no more than base salary x 2 = mortgage debt.


These types of housing ratios don't work in HCOL areas.
by Go Blue 99
Tue Apr 18, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9037

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

I don’t like rough jeans, so I tend to buy jeans from premium denim makers that have cotton/lycra blends. These blends make the jeans feel really soft- it’s like you are wearing comfortable pajamas. Contrary to popular belief, premium denim isn’t all just skinny fits. You just need to look for each ...
by Go Blue 99
Tue Apr 18, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2556

Re: Week in San Diego - What to do?

We just came back from 5 wonderful days in San Diego. One thing we are really happy we did was staying in La Jolla, instead of in downtown San Diego. Waking up with an oceanfront view was amazing, and just walking around the shore area for meals was so scenic and relaxing. Gaslamp district in the ci...
by Go Blue 99
Sat Apr 15, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1731

Re: radio alarm clock that projects the time on the wall or ceiling

We splurged on one of the higher-end ceiling Sony clocks a few years ago. I know this probably sounds silly, but my wife and I both find it to be a great benefit. We have a toddler and often wake up in the middle of the night. This clock allows us to just glance up and see the time. The ceiling ligh...
by Go Blue 99
Sat Apr 15, 2017 12:27 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 7987

Re: leaving early from work

My megacorp workplace allows shifting. The standard day is 9-6, but people with young kids work 8-5. My direct manager is completely laid back about hours, but our group manager is a big clock-watcher and will make comments about hours. He's the type to think everyone just goofs off if he isn't arou...