Search found 793 matches

by Go Blue 99
Wed Feb 21, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10592

Re: What has been your most important skill in achieving financial independence?

Not surprisingly, I’d say learning to LBYM is the most important one. Behind that, I would say advancing in your career and maximizing income. It’s much easier to LBYM if your income is high and you don’t need to make a lot of sacrifices. I used to think this was more important than LBYM, but as oth...
by Go Blue 99
Sat Feb 10, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 4847

Re: Leaving HCOL state for financial reasons

I grew up in HCOL northeastern city and while I loved it there, the high cost of housing was a big turn-off. It bothered me that a hypothetical college-educated couple couldn't afford a decent single family house in a good school district unless they were rainmakers. So when I applied to grad school...
by Go Blue 99
Sat Feb 10, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2514

Re: Getting Rid of Ants in the House?

We had a bad ant issue at our new house. Terro baits seemed to be the best solution.
by Go Blue 99
Wed Feb 07, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14446

Re: For BHs who actually like cars - [what car do you drive every day?]

Hyundai Santa Fe Sport. I'm a big car person (read car magazines and visit car message boards), but I haven't been able to convince myself to spend on a luxury car.
by Go Blue 99
Wed Feb 07, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5184

Re: What time do you go to work?

Most people on our floor do 8-5, but our group has always done 9-6. It works out nicely due to our kids' schedule. 9-6 also seems to have easier traffic.
by Go Blue 99
Wed Jan 31, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 83
Views: 6595

Re: Neighbor recently burglarized- Suggestions for home security

Check out the Nest Doorbell, which is coming out next month: https://nest.com/doorbell/nest-hello/overview/ Unlike Ring, Nest doorbell will offer 24x7 streaming. One complaint some people have about Ring is that it doesn't capture motion quickly. I had planned on buying the Ring doorbell, but am now...
by Go Blue 99
Tue Jan 30, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8524

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

My iPhone 6 is 3.5 years old. The battery life is terrible, and I opted for the $29 battery replacement. They told me it would be in stock in two weeks though. Ignoring battery life, the phone performance is noticeably slow. Opening apps and trying to compose a text message are both slow. My wife ju...
by Go Blue 99
Sun Jan 14, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Favorite Deal Aggregation site?
Replies: 7
Views: 766

Re: Favorite Deal Aggregation site?

I love Slickdeals, but I stay away from the Front Page deals. As you said, there is a lot of sponsoring that goes on there. The best place to find true deals is their Hot Deals forum. If you get lucky, you'll get in on great deals before they hit the front page.
by Go Blue 99
Sun Jan 07, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 3843

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I love the look of luxury station wagons (Benz, Audi, Volvo). There is a guy at work who drives an E63 AMG wagon and that car is great looking. Of course, the wife laughs at me any time I bring up a station wagon :wink:
by Go Blue 99
Sat Jan 06, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 1898

Re: How to browse specifically for homes with "mother-in-law suite"?

malabargold wrote:
Fri Jan 05, 2018 8:29 pm
Can’t imagine that would be a popular search
It's very popular lately, mainly driven by Asian families. New builders in my area actively market multi-generational floor plans.
by Go Blue 99
Sat Jan 06, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 7799

Re: How much are you putting in a 529?

We are aiming to put in $4k a year for each kid (that's the state deduction amount for us). We also put any cash gifts into the plans. My parents will probably help fund the accounts also.
by Go Blue 99
Sat Jan 06, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 188748

Re: Share your net worth progression

slalom wrote:
Thu Jan 04, 2018 7:20 am
Hoping to hit $1m this year, a bit late at age 38 but I’m single (well, unmarried) which doesn’t help. Potential wife is kind of spendy.
You know you're on Bogleheads when 38 is considered late to hit 2 comma status ;-)
by Go Blue 99
Wed Jan 03, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Wireless Ability for Surround Sound Rear Speakers
Replies: 11
Views: 760

Re: Wireless Ability for Surround Sound Rear Speakers

In our last home, the Rocketfish system worked great for us. The first one crapped out after about 6 years, but I bought another one after that. We had it connected it to Orb Audio speakers. I was happy with the performance, especially since I didn’t want to limit myself to a soundbar, or (gasp) usi...
by Go Blue 99
Tue Jan 02, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 719
Views: 188748

Re: Share your net worth progression

We only started tracking net worth a few years ago (we are now 41 and 36). Year end figures: 2014: $463k 2015: $553k 2016: $796k 2017: $1M Our breakdown of the $1M: 78% in investable assets, 13% in house equity, 7% in restaurant investments, 2% in cars. I never dreamed we would be a millionaire hous...
by Go Blue 99
Fri Dec 29, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 3389

Re: Hyundai quality and reliability

We have a ‘14 Santa Fe sport and love it. We originally were looking at Infiniti and Acura but the hyundai offered great value, features, and technology.
by Go Blue 99
Sun Dec 24, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Do you include your house in your net worth if you own it outright?
Replies: 89
Views: 6574

Re: Do you include your house in your net worth if you own it outright?

Yes we do include house value, and use county appraised value to set that. We also include the values of our two cars (though it's small). As a side note, Money Magazine recently did a feature on reaching millionaire status, and their definition of millionaire was $1m+ in investable assets. I assume...
by Go Blue 99
Wed Dec 20, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: anyone been able to connect Wells Fargo Mortgage to Mint.com?
Replies: 8
Views: 1879

Re: anyone been able to connect Wells Fargo Mortgage to Mint.com?

Thanks for the input all. I'll try turning MFA on and see if that fixes it.
by Go Blue 99
Wed Dec 13, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: anyone been able to connect Wells Fargo Mortgage to Mint.com?
Replies: 8
Views: 1879

anyone been able to connect Wells Fargo Mortgage to Mint.com?

Has anyone here successfully connected a Wells Fargo home mortgage with mint.com? I’ve tried adding my new mortgage acct to Mint. It appears to log in successfully, but it asks for a multi-factor authorization code. I’ve confirmed with WF that I don’t have MFA on my account. I asked about the error,...
by Go Blue 99
Sat Nov 11, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 3116

Re: DIY vs work extra and pay a pro

We outsource pretty much everything, especially with having two small kids at home. The only items I do myself are changing hvac filters and filling up air in tires. I don’t have any DIY skill or interest.
by Go Blue 99
Sat Oct 07, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Home automation
Replies: 30
Views: 4557

Re: Home automation

We just moved into a new house and I’m starting to get into home automation. Front door: we have a Schlage touchscreen lock. It connects to zwave but I haven’t bought a hub yet. Alarm: our alarm company has an app that allows you to remotely control it. It also sends me pictures when there is motion...
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: 20850

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: 905

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: 13840

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: 18060

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: 6775

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: 128
Views: 31235

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: 4490

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: 5676

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: 13268

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: 3695

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: 2614

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: 36
Views: 73777

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: 1478

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: 12665

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: 311

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: 1818

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: 3715

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: 15759

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: 4342

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: 2234

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: 6171

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: 2230

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: 469

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 do all of yo...
by Go Blue 99
Sun Jun 18, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 37
Views: 9652

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: 680

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: 2436

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: 2212

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: 6100

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: 396

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...