Search found 836 matches

by Go Blue 99
Sun Feb 17, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Car purchase, income ratio
Replies: 22
Views: 1697

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: 4165
Views: 1112405

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: 1109
Views: 113422

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: 10723

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: 4396

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: 6607

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: 5246

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: 49286

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: 1865

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: 2610

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: 19740

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: 110
Views: 18079

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: 110
Views: 18079

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: 4466

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: 16491

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: 1704

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: 3846

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: 4159

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...
by Go Blue 99
Sat Sep 01, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through Sept 10
Replies: 19
Views: 1877

Re: PSA: Free Sirius/XM Broadcasting through Sept 10

Do people really find the satellite radio to be a good purchase? I lucked out and bought a little Stiletto unit at a garage sale a couple of years ago for $10. Just so happens that it is one of the units that came with a lifetime sub. I have used it off and on, but aren't super impressed with the c...
by Go Blue 99
Wed Aug 08, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6709

Re: are mccormick gourmet spices better

I've been very impressed with Trader Joe's spices, especially the crushed red pepper. It is actually very spicy.
by Go Blue 99
Wed Aug 08, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: "Dollar Tree Store" favorites
Replies: 84
Views: 7004

Re: "Dollar Tree Store" favorites

Greeting cards. I hate paying $5-$6 for a card at Target.
by Go Blue 99
Mon Aug 06, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: 2016 Volvo XC90
Replies: 17
Views: 1742

Re: 2016 Volvo XC90

Spend some time on the Swedespeed forums. The '16 edition had a lot of problems (though some '16 owners have had nothing major).

https://forums.swedespeed.com/forumdisp ... SPA-2016-)

Owners of the '17 and '18 have reported much improved quality.
by Go Blue 99
Tue Jul 17, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Question about new construction basement houses
Replies: 19
Views: 1573

Re: Question about new construction basement houses

We have a new construction unfinished walk-out basement. Even in the Atlanta heat, it stays about 73 degrees down there (we have the temp set to 79). The builder had told us the energy costs would be minimal for the space. Of course, that changes if someone is living down there in the winter and you...
by Go Blue 99
Wed Jul 11, 2018 7:00 pm
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 16
Views: 1900

Re: Relocation to Atlanta

I like the Peachtree City idea. It's an amazing area for families and has easy access to the airport. I have close friends that live there and and they really like it. Yes, you do have to drive a bit to get to city entertainment but not a big deal on most weekends. Like another poster said, Smyrna i...
by Go Blue 99
Sat Jul 07, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 4048

Re: Anyone Tried Costco Travel Packages?

We recently booked a Disney Cruise with Costco Travel. They came in at the same pricing as the official Disney booking site, but Costco throws in a $500 Costco cash card, so that made the decision easy. They also had great customer service.
by Go Blue 99
Sat Jul 07, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 69
Views: 5346

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

I like the XC90's looks, but the reliability reports are not good. I don't always agree with Consumer Reports' assessments of cars, but their reliability surveys are the most comprehensive in the business. They've ranked the XC90 among the least reliable SUVs. If you dig into the reliability data, ...
by Go Blue 99
Sun Jul 01, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22617

Re: Did you celebrate when you finally hit $1m?

I told my wife when we hit the number. She basically just said "that's pretty cool". We definitely didn't celebrate, but I will admit it feels nice personally. It did change my money philosophy some, as I don't stress as much over spending.
by Go Blue 99
Sat May 26, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 7071

Re: How have you upgraded your wardrobe?

I like higher quality clothing but only purchase them during big sales. Slickdeals will give you alerts when places like Brooks Brothers are having huge discounts. For the biggest deals though, you have to be comfortable shopping online.
by Go Blue 99
Thu May 17, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 11007

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

What do you guys think about Volvo's lifetime parts and labor warranty? I didn't know they offered a warrant like this, seems too good to be true. This is how they describe it. It's just a way to increase work done by the Volvo service shop: As of June 1, 2015, Volvo launched the Lifetime Parts & L...
by Go Blue 99
Thu May 17, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 11007

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

All three of those are truly nice cars, and it's hard to go wrong with any of them. It really comes down to doing test drives and determining which one wows you the most. I would also look at the new '19 Acura RDX. It will be cheaper than Lexus & the German brands: https://www.acura.com/future-vehic...
by Go Blue 99
Tue May 15, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: AT&T tv and internet bondle
Replies: 8
Views: 983

Re: AT&T tv and internet bondle

We have an AT&T bundle (Directv + Uverse internet). The main thing to remember is that Directv is excellent about giving huge discounts if you call in and threaten to cancel. There is a long thread on SlickDeals.net discussing this. You basically get 50% (or more) off your DirecTv bill.
by Go Blue 99
Sun May 06, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 6505

Re: Home Theater Stereo/Speakers

We have open floor plan in our new house so my wife was against visible mounted speakers. I knew I definitely wanted 5.1 because I had that in our old house and I loved it. Soundbars simply can't do a great job of creating rear surround sound. Our builder's low voltage guy highly recommended doing i...
by Go Blue 99
Wed Apr 25, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Cost of ownership for midsize SUV/wagon
Replies: 27
Views: 2748

Re: Cost of ownership for midsize SUV/wagon

Another vote for the V60 or V90. Volvo has done some amazing things with their recent model redesigns.
by Go Blue 99
Sun Apr 22, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 9889

Re: Do you buy new or used cars?

We've always bought new Asian cars and kept for 10+ years. We also buy fully loaded as I like the tech features and having all of the safety options.

With our next car, we are (gasp) actually considering leasing a European car. We'll see if I actually go through with it.
by Go Blue 99
Thu Apr 19, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Recommendation of Security Cameras for Exterior of House
Replies: 47
Views: 11037

Re: Recommendation of Security Cameras for Exterior of House

After doing a bunch of research, I'm likely getting the Nest Outdoor cam. I originally was going to do the Arlo Pro 2, but I like that you have access to 24/7 video on the Nest. Also, reviews seem to say the new Nest doorbell is slightly better than the Ring, so it would be convenient to be in the N...
by Go Blue 99
Thu Apr 12, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Best Rating sites for TVs
Replies: 22
Views: 2045

Re: Best Rating sites for TVs

CNET, if I don't have a lot of time. They do a quick summary.

AVSforums, if I have time to do a lot of reading or want very detailed feedback.
by Go Blue 99
Sat Apr 07, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 4787

Re: How often do you replace your office shoes?

About every 2-3 years. I buy slip-on office shoes from Ecco, Clarks, Bostonian, and Rockport.
by Go Blue 99
Sun Mar 18, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: TV and set up recommendations for above fireplace
Replies: 35
Views: 3116

Re: TV and set up recommendations for above fireplace

I've always disliked TVs over fireplaces, as I have no interest in looking up at a screen. The screen should always be eye level. This was a problem when we were house hunting last year, as every new house design has the set up of TV over fireplace. Fortunately, I saw this product called MantleMount...
by Go Blue 99
Sat Mar 10, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 6418

Re: Men's Cologne

I hate colognes and the person that wears it at work is a rarity. I find the following paradoxical: “if you can smell it, you’re wearing too much!!” Then what is the point of wearing it? There is science behind this. Nose receptors eventually turn off after smelling something. So that's the point o...
by Go Blue 99
Sat Mar 10, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Auto Issue Out now
Replies: 48
Views: 5530

Re: Consumer Reports Auto Issue Out now

It's a common theme on this board (and others) that German brands are unreliable. But now CR has Audi at #2 and BMW at #3? I've stayed away from German brands in the past, but I'll definitely look at them if quality is that high now.
by Go Blue 99
Sat Feb 24, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 6911

Re: Favorite socks?

My favorite are from a brand called Green Treat. They are made of a bamboo blend and are super soft. Unfortunately, they don't seem to have a web presence so I can only find them here and there at TJ Maxx or Marshall's.
by Go Blue 99
Fri Feb 23, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42729

Re: What UN-frugal thing do you do?

Comfortable clothing. It doesn't have to be a name brand, but I pay more for soft and comfy clothing.

Artisan bars of soap. There are tons of small brands out there and I enjoy trying them for variety.
by Go Blue 99
Fri Feb 23, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 20361

Re: Defining "House Poor"

I would consider you house poor if you find your mortgage payment prevents you from saving at a healthy clip, or prevents you from spending in other areas you want to (whether it be travel, eating out, etc).
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: 13164

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: 5860

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: 3641

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: 280
Views: 21897

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: 6650

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: 101
Views: 10685

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: 11268

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...