Search found 868 matches

by Go Blue 99
Wed Oct 23, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Home Depot and Lowe's product reviews
Replies: 16
Views: 1879

Re: Home Depot and Lowe's product reviews

I always give more weight to reviews that list both pros and cons. If there is a review for something like a fridge, and every single point is raving about it, then you know something is up.
by Go Blue 99
Wed Oct 23, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Which Volvo
Replies: 6
Views: 702

Re: Which Volvo

We have an '18 XC90 and we love it (wife's daily driver). This is our first experience with a European brand and the features and styling have been terrific. It also has an adult usable third row which was important to us. It's also very safe (for example, there are zero recorded fatalities in the h...
by Go Blue 99
Sat Sep 21, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8297

Re: How to handle "split-the-bill" group lunches?

My wife doesn't drink, and we typically split the bill when out with drinking friends. So we definitely get shafted, but we don't stress over it. Last weekend we went out with two other couples. One of the couples ordered expensive entrees compared to the rest of us, but we split the bill. I believe...
by Go Blue 99
Wed Aug 28, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Buying New Construction/Need Realtor ?
Replies: 6
Views: 372

Re: Buying New Construction/Need Realtor ?

Are commission rebates legal in your state? We've bought new construction twice, and both times we worked with agents who refunded part of their commission back to us (legal in my state and tax-free).
by Go Blue 99
Mon Jul 29, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15735

Re: No more print Money magazine

If you don’t ask for a refund, it looks like they will choose a replacement magazine to fill out the rest of your term. They converted my subscription to Sports Illustrated (received my first SI issue over the weekend).
by Go Blue 99
Wed Jul 17, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4800
Views: 1251086

Re: What Movie Have You Recently Watched?

I know it's been mentioned a couple of times in this thread, but I thought "Searching" with John Cho was a terrific mystery. It is currently on the rental charts and also available on Starz. https://www.imdb.com/title/tt7668870/ If you are the type of person that likes to guess the ending, this movi...
by Go Blue 99
Mon Jul 08, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 139
Views: 14687

Re: Is Hyundai the value sweet spot?

We bought a fully loaded Sante Fe Sport in Dec 2014 and have been extremely happy with it so far. I was originally looking at Acura and Infiniti, but couldn't pass up the value that the SFS offered. I love all the advanced tech in the car.
by Go Blue 99
Wed Jun 19, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 29031

Re: Don't pay full price for SiriusXM radio

ponyboy wrote:
Wed Jun 19, 2019 5:56 am
I cant believe people still listen to sirius radio. Podcasts are free, you actually learn stuff, and it makes whatever drive or commute you have much more enjoyable.
I enjoy podcasts too, but are you seriously saying everyone should be listening to podcasts instead of music? :?
by Go Blue 99
Sat Jun 15, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 29031

Re: Don't pay full price for SiriusXM radio

If you have multiple cars with SiriusXM, do you manage the radios all on a single account, or do you create a separate login? I always wonder if having multiple radios on one account affects your discount negotiation (whether positively or negatively).
by Go Blue 99
Wed Jun 12, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19111

Re: Are You Dumping Netflix?

Trader Joe wrote:
Sun Jun 09, 2019 5:54 pm
Fortunately I have never spent any time or money on Netflix.
Not sure why you bothered to respond when you aren't even a Netflix customer in the first place.
by Go Blue 99
Sun Jun 09, 2019 3:37 pm
Forum: Personal Investments
Topic: Quicken or Mint?
Replies: 9
Views: 847

Re: Quicken or Mint?

I've been using Mint for 10 years to track spending, and have been quite happy with it. But I do my budget and monthly income statement using Excel.
by Go Blue 99
Sun Jun 09, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167377

Re: [What TV Show Have You Recently Watched?]

My wife and I enjoyed "Dead to Me" on Netflix. It's a comedy/drama/mystery, and only ten 30 minute episodes. If you liked "Big Little Lies", you will probably like this.

https://www.imdb.com/title/tt8064302/?r ... f_=nv_sr_1
by Go Blue 99
Wed Jun 05, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 484
Views: 55784

Re: What is/ was your career and would you recommend it now?

I'm in corporate finance/FP&A. I would recommend it. I find the work interesting and it's a good mix of mingling with other people and introverted quiet work. The other nice thing is that you can work in this field in pretty much any large metropolitan area. You can also make good money even if you ...
by Go Blue 99
Tue May 28, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15735

Re: No more print Money magazine

I still subscribe ($2 per yr) though I don’t find it highly useful for new finance knowledge. I really enjoyed the family finance profiles where they listed income, debts,and an action plan. But it seems they phased out that feature awhile back. Call me old-fashioned but I’ll be sad when print magaz...
by Go Blue 99
Thu May 16, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Going rate for real estate commissions, ATL
Replies: 11
Views: 1199

Re: Going rate for real estate commissions, ATL

We sold our Brookhaven townhome in Dec 2017, and paid 5%. This was a full service local guy.
by Go Blue 99
Sun May 12, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much can parents gift children in 2019 tax free?
Replies: 38
Views: 4942

Re: How much can parents gift children in 2019 tax free?

When parents pay for a child's wedding and receptions and honeymoon, is that considered a "gift" to the child? Or only the money given for the down payment to the child will be considered "gift"? Many of the weddings that I have attended are multiple hundred thousand dollar extravaganza. Do they ge...
by Go Blue 99
Sun May 12, 2019 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6941

Re: Continue working for benefit of adult children or retiring earlier?

My in-laws actually retired for the benefit of adult children. When my wife announced she was pregnant, they decided to cut back on daily work (they own a business) and moved closer to us to help with the baby. So it wasn't direct financial help, but they did save us $1600 in monthly daycare costs. ...
by Go Blue 99
Wed May 08, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4644

Re: ants - aargh

We had a really bad ant problem when we moved into our new construction home 1.5 yrs ago. It got so bad that my wife had to stay with her parents for a week because the ants were giving her so much anxiety. Terro ant baits seem to have worked the best. We are keeping an eye out as it's that time of ...
by Go Blue 99
Sun Apr 28, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Inflation assumption for planning
Replies: 24
Views: 1478

Re: Inflation assumption for planning

I also use real numbers, for both market return and my salary increase. Otherwise it may as well all be funny money as the future numbers don’t mean anything to me.
by Go Blue 99
Wed Apr 24, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 18457

Re: Whats the Point of Climbing the Corporate Ladder?

A lot of this depends on how much importance you put on being challenged, learning new skills, having influence and power, etc. Personally OP I'm with you. I'm in a nice gig right now where I have a manager title with good pay, but also have excellent work-life balance and low stress. With two small...
by Go Blue 99
Wed Apr 17, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 13250

Re: What Are Your Simple Pleasures?

Morning coffee while surfing the web.
Saturday afternoons.
Telecommute days.
The post-workout high.
Rolling down windows on a nice day and blasting my favorite songs.
by Go Blue 99
Wed Apr 17, 2019 7:15 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 16265

Re: What is your hobby and how did it come to be your hobby?

My hobby is an unusual one- writing reviews. I got into it around the early 00's when I started buying more stuff online. I've just always enjoyed giving people advice on their potential purchases. On Yelp, I have Elite reviewer status, and on Amazon, I'm part of their Vine program. This is where I ...
by Go Blue 99
Wed Apr 10, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 10325

Re: How do 40 year olds decide what they can afford?

We ramped up spending in my early 40s, when I realized we were well on target to our retirement goals. But I'm not an impulse buyer. When I'm considering something, I'll spend months researching it. I'll spend time on message boards, coupon sites, Slickdeals, etc in order to get the best deal on som...
by Go Blue 99
Mon Apr 08, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant filing incorrect 8606 (Backdoor Roth) since 2014
Replies: 9
Views: 894

Re: Accountant filing incorrect 8606 (Backdoor Roth) since 2014

You left out some important information. Did any of your tax returns have the wrong amount of tax calculated? If not, I don't think I'd worry about this. Just get it fixed for 2018 and move on. No, I believe the taxes are correct. But I wasn't sure if the 8606 mix-up would cause my distributions to...
by Go Blue 99
Mon Apr 08, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Accountant filing incorrect 8606 (Backdoor Roth) since 2014
Replies: 9
Views: 894

Accountant filing incorrect 8606 (Backdoor Roth) since 2014

Today I was reviewing my ’18 federal return that my accountant completed and filed. I was looking at the 8606 he filled out, and just of curiosity, compared it to the guide that White Coat Investor publishes. Well, I figured out the accountant filled out the 8606 incorrectly. We’ve been doing the ba...
by Go Blue 99
Sun Apr 07, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: [Do I owe tax on Traditional to Roth IRA conversion?]
Replies: 12
Views: 1363

Re: [Do I owe tax on Traditional to Roth IRA conversion?]

i see that he actually did not fill out the 8606 correctly...8606 itself is self-explanatory....nevermind....i guess all accountants are not familiar with this....he supposedly deals with high income clients..oh well... :oops: I think the backdoor Roth is just rare to see, even for high income peop...
by Go Blue 99
Wed Apr 03, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a stash of vacation days as unemployment "insurance"
Replies: 70
Views: 5687

Re: Keeping a stash of vacation days as unemployment "insurance"

My parents did this before they retired. My dad cashed out something like 35 weeks of vacation that he had built up over 25+ years. My parents didn't really take vacations though, so it worked out for them. Personally, vacations is one of the biggest things I look forward to, so it wouldn't work for...
by Go Blue 99
Wed Apr 03, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Do any of you have a fear of changing jobs?
Replies: 73
Views: 5037

Re: Do any of you have a fear of changing jobs?

I'm terrified of changing jobs. The idea of job searches and interviews give me anxiety. I've always stuck around at a job until I get laid off. I've been at current employer for 13 years. My wife was encouraging me to leave years ago due to stagnation, but I finally got a promotion last year and am...
by Go Blue 99
Fri Mar 29, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 16920

Re: How often do you check your net worth?

I record it monthly when I do my month-end budget analysis.
by Go Blue 99
Fri Mar 22, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Being a Boglehead and car enthusiast stinks
Replies: 72
Views: 4920

Re: Being a Boglehead and car enthusiast stinks

Being a Boglehead doesn't mean that you rarely spend money. I think that is one of the biggest misconceptions about Bogleheads.
by Go Blue 99
Fri Mar 22, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Twitter [Is mobile number needed to register?]
Replies: 20
Views: 791

Re: Twitter

I really like the "trending topics" feature on Twitter. If they ever remove that, my usage would drop quite a bit.
by Go Blue 99
Sun Feb 17, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Car purchase, income ratio
Replies: 22
Views: 1904

Re: Car purchase, income ratio

I don't like to use car to income ratios because they are so general, but here's a couple that I've heard over the years: 1) no more than 10% of monthly net on car payment 2) no more than 10% of monthly gross on car payment + insurance + gas 3) total car value should be less than 50% of your annual ...
by Go Blue 99
Sun Feb 17, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4800
Views: 1251086

Re: What Movie Have You Recently Watched?

Others have brought up this movie in this thread, but I loved the 2018 sci-fi movie "Upgrade". Great mix of sci-fi, humor, and action. If you liked "Ex Machina", definitely check out "Upgrade". It is playing on Cinemax.

https://www.imdb.com/title/tt6499752/?ref_=nv_sr_1
by Go Blue 99
Fri Feb 15, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1564
Views: 167377

Re: Personal favorite TV/cable series

I just started binging Banshee from Cinemax. I've binged most of the other known famous ones over the last 2 years since retiring. Banshee is very brutal in some parts and has a bit too much sex for my taste. But if you like MMA type fighting (although it is not actual fighting in the ring but ofte...
by Go Blue 99
Wed Jan 30, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 11729

Re: Please share some lifestyle creep you regret.

An expensive patio table we bought from Pottery Barn last spring. I fell into the allure of a 40% off sale.
I still like the table, but we don't use it nearly enough to justify the purchase.
by Go Blue 99
Sat Jan 26, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 4925

Re: Do you ever feel overpaid?

This varies with my work load. If I'm going through a slow period at work, I sometimes feel overpaid because I'm working a 40 hour stress-free work week (I tend to equate high salaries with high stress). But when thinks are busy and I sometimes have to work weekends, then I definitely do not feel ov...
by Go Blue 99
Mon Jan 21, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 7469

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I'd say most of it depends on how much of a football fan you are, and how your team does in the game. I'm a big Patriots fan and went to Super Bowl 49 in Arizona (which Patriots won in a crazy finish). It was just about the perfect weekend. I was very fortunate and had great seats that I received fo...
by Go Blue 99
Sat Jan 19, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 6009

Re: Is California worth the premium?

I sometimes have envy for people that live in San Diego and other parts of SoCal, mainly due to weather and beach access. But I'm too cheap to live in a HCOL area.
by Go Blue 99
Wed Jan 16, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57671

Re: John Bogle is dead at 89

Mr Bogle, your legacy will live on.
by Go Blue 99
Tue Jan 08, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 2322

Re: Opinions on 2019 RAV4 and/or 2019 Santa Fe

Keep in mind the '19 Sante Fe is a full redesign. I know some like to stay away from the first year of a new redesign. I have a '14 Sante Fe Sport and really love it. I was originally looking at Acura and Infiniti, but the Hyundai provided excellent value and tech. And I've had no repair issues with...
by Go Blue 99
Tue Jan 08, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2853

Re: I bought a new iPad on sale...should I have?

I use my iPad to stream movies or TV shows in bed. I use it with headphones so the sound doesn't bother my sleeping wife. Other than that, I rarely use it (strongly prefer a laptop for surfing), but I find it's worth the $230 I paid for it.
by Go Blue 99
Sat Dec 15, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 21880

Re: Favorite Purchase of 2018?

Favorite purchase has probably been our Volvo XC90. I've never purchased an expensive car before but now I get the appeal.

Runner-up: subscription to Apple Music. And it sounds great on the Bowers & Wilkins stereo in the Volvo :)
by Go Blue 99
Fri Nov 16, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 29031

Re: Don't pay full price for SiriusXM radio

They have a pretty good deal going on right now, if you are on the fence. $50 gets you 6 months of All-Access (which gets you all stations including Howard Stern), and the latest gen Echo Dot. You will need to set a reminder to cancel before the auto-renewal at 6 months though. https://www.siriusxm....
by Go Blue 99
Sat Oct 13, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 29031

Re: Don't pay full price for SiriusXM radio

I got tired of doing the "call every five months and negotiate a low rate" dance so I ditched the service. I'm much happier just listening to Spotify via bluetooth in my 4Runner, plus I get to choose what I want to listen to. And the fidelity of the sound is much better imho...not to mention, no re...
by Go Blue 99
Sun Sep 23, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4963

Re: Ventilated car seats?

We have ventilated seats in our current cars (a Hyundai and a Volvo). I wouldn't say it's a tremendous feature, but it definitely does help in our Atlanta climate when it's at max setting. I notice it a lot more when I'm wearing shorts.
by Go Blue 99
Sat Sep 22, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 17937

Re: iPhone XS Max

I considered the XS Max, but couldn't justify the $400 premium over the 8, so I purchased the 8. I'm happy with the 8, and it's obviously much faster than my four year old iPhone 6.
by Go Blue 99
Tue Sep 18, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1851

Re: Inexpensive source for greeting cards?

I agree with OP and cringe if I ever have to pay $5 for a card. We aim to buy ours at Dollar Tree, which has a great selection.
by Go Blue 99
Sun Sep 16, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 4266

Re: Should I get a new iPhone?

I have a 4 year old iPhone 6 that is on its last legs. I'm likely moving to the iPhone 8 in a few weeks. I had considered the XS as I like new tech, but just can't justify the $400 premium over the 8. Plus I have small kids that I don't want near a $1k phone.
by Go Blue 99
Fri Sep 14, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 4733

Re: Is home alarm monitoring worth it?

My wife is fairly paranoid about a potential break-in. Our subdivision is not gated, and 2 neighbors have been burglarized in the past year (out of 150 homes). From what I've heard, robberies in our upper-middle-class town tend to be targeted (typically Asian families that keep a lot of cash at home...