Search found 502 matches

by NextMil
Tue Nov 13, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4017

Re: tipping for grocery delivery

leeks wrote:
Tue Nov 13, 2018 10:38 am
I feel that everyone - even children of the wealthy - should spend some time in a service job (restaurant or retail). At least a brief stint as a teenager/college student. It is a valuable lesson.
Couldn’t agree more.
by NextMil
Tue Nov 13, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4017

Re: tipping for grocery delivery

I've ordered a couple of times from Safeway home delivery. Their site prominently says that their drivers don't accept tips, so I haven't tipped them yet. I live in a multi-story condo building with an elevator. offtopic, but I agree with others in this thread. Tipping in this country is out of con...
by NextMil
Mon Nov 12, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4017

Re: tipping for grocery delivery

I've ordered a couple of times from Safeway home delivery. Their site prominently says that their drivers don't accept tips, so I haven't tipped them yet. I live in a multi-story condo building with an elevator. offtopic, but I agree with others in this thread. Tipping in this country is out of con...
by NextMil
Sat Nov 10, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 20
Views: 2403

Re: Apple - Old Product Boxes - Keep or Dispose?

I used to keep them. Now I toss them. Wished I’d knew about eBay. Only in America.
by NextMil
Sat Nov 10, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4017

Re: tipping for grocery delivery

Thanks for your input. I tip $5. I'm sure these delivery people are paid dirt, and they work hard. I buy 10 pound bags of kitty litter, 12 can packs of Coca Cola, etc. and it's about fifty feet from their truck to my door. If they earned decent salaries, I would not tip. The fact is, almost anyone ...
by NextMil
Thu Nov 08, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4017

Re: tipping for grocery delivery

I always tip something on grocery deliveries. I put it in the category of pizza delivery. $5-$10 depending on the size of the order.

I would want my house to be viewed positively for future deliveries.
by NextMil
Sun Nov 04, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 26
Views: 1232

Re: If you have credit monitoring do you need to freeze credit?

Trism wrote:
Sat Nov 03, 2018 7:45 am
NextMil wrote:
Wed Oct 31, 2018 12:58 pm
Thanks. All fair points, even if they hurt a little. haha. So next question is how awful is it to freeze your minor children?
This is a felony in most US jurisdictions.







:P
See. This is why I ask. :wink:

Now, I am off to the bank to deposit the rest of my 10k in cash.
by NextMil
Wed Oct 31, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 26
Views: 1232

Re: If you have credit monitoring do you need to freeze credit?

Thanks. All fair points, even if they hurt a little. haha. So next question is how awful is it to freeze your minor children's credit?
by NextMil
Wed Oct 31, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 26
Views: 1232

If you have credit monitoring do you need to freeze credit?

I have credit monitoring, but have not frozen my credit. If I have monitoring is there any good reason to freeze or am I covered?
by NextMil
Sun Oct 28, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Blue Green membership insights and tips
Replies: 6
Views: 560

Re: Blue Green membership insights and tips

It’s a timeshare. Ugh.
by NextMil
Sun Oct 28, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27700

Re: How many of you have cut the cord?

I am curious how many Bogleheads have used Hulu Live TV and their thoughts. I went from FIOS at $259 a month to Hulu Sports Package at $42.30 a month (tax included) for two TV's including everything except the internet which I get from FIOS for $59.99 a month (50/50) for 2 years then it goes up $25...
by NextMil
Sat Oct 27, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 60
Views: 8990

Re: Gutters and gutter guards

In case no one mentioned at $4k, gutters cleaned at $200 a pop twice a year break even is ten years. FWIW in a HCOL area I pay $75-125 twice a year, and my landscaper lets me know when I am due. After exploring all other options exhaustively I decided I am happy to pay someone for my two story. YMMV.
by NextMil
Fri Oct 26, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: For market historians buying the dip today
Replies: 7
Views: 1567

Re: For market historians, buying dip today

I buy and hold according to my schedule. As soon as the cash is in my account, I make the purchase and do not wait to buy on a dip. I would rather have the cash working as soon as humanly possible regardless of what the market is doing.
by NextMil
Fri Oct 26, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 27700

Re: How many of you have cut the cord?

I split the difference. I analyzed my programming and equipment costs, and realized a large chunk of my bill was equipment rental fees. I moved over to TIVO, and my break even was three years, approximately 1.5 years ago. I love TIVO, and as someone who thinks a programming guide is make or break, I...
by NextMil
Thu Oct 25, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4008

Re: Coffee grinder

I have this https://www.amazon.com/Coffee-Gator-Stainless-Steel-Container/dp/B01E1KFGZS/ref=sr_1_5?s=kitchen&ie=UTF8&qid=1540467974&sr=1-5&keywords=coffee+canister Would you just dump your bag that you are on into this and shove in the freezer and just scoop what you need every morning and just fre...
by NextMil
Thu Oct 25, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4866

Re: Beer - Strong German Style Lagers

Go on beer advocate and click German Helles. Sort by rating, and then find whatever is closest to your location. Germans have strict beer rules, and not to disappoint you, but it may be impossible to get something of similar quality. Prost! Funny you should mention Prost, Just recently moved to the...
by NextMil
Thu Oct 25, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4008

Re: Coffee grinder

How do you make sure its airtight? Do you use a vacuum seal machine or just put it in bags and push all the air out? I dont have a food saver now, but have been contemplating for other foods. Keep the coffee in the bag it came in and stick the whole thing in a Ziplock freezer bag is OK. Does not ha...
by NextMil
Wed Oct 24, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4008

Re: Coffee grinder

For minimal outlay you can probably up your game considerably. - It starts with the whole coffee beans. Coffee loses flavor as soon as it's ground. Can never make an excellent drink no matter how sophisticated the equipment if starting with poor beans. Grind the beans literally when you brew the co...
by NextMil
Wed Oct 24, 2018 5:21 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4008

Re: Coffee grinder

So here is the deal. I don't want to become a full on coffee snob, but starting to tell the real difference between good and bad coffee and want to up my game, with minimal effort (I am never going to be the kind of person that drives to a local roaster once a week to procure freshly roasted beans)....
by NextMil
Tue Oct 23, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4008

Coffee grinder

Dear Coffee snobs - what do you think is the best coffee grinder on the market? If its something absurdly expensive what is another decently priced workhorse?
by NextMil
Tue Oct 23, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on outside of expenses and investments?
Replies: 23
Views: 1711

Re: What do you spend your money on outside of expenses and investments?

Things and vacations that make my family and I happy so I don't end up a miser.
by NextMil
Mon Oct 22, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 5407

Re: Playing with FIRE(Financial Independence) documentary trailer.

It’s not a new concept. People act like these guys are pioneers. They are not. These concepts have been around forever. They sensationalize their websites to drive readers and provide clickbait to increase ad sales. Go read any of their sites and read their posts - they are filled with hyperbole. It...
by NextMil
Mon Oct 22, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 5407

Re: Playing with FIRE(Financial Independence) documentary trailer.

FIRE gurus need a kickstarter campaign to make a documentary. Makes perfect sense. Hard pass.
by NextMil
Sat Oct 20, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Yield curve impact on mortgages
Replies: 12
Views: 1135

Re: Yield curve impact on mortgages

I noticed that too, even though I am not in the market. If you have the discipline I would probably have a hard time not doing 30.
by NextMil
Sat Oct 20, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 4866

Re: Beer - Strong German Style Lagers

Go on beer advocate and click German Helles. Sort by rating, and then find whatever is closest to your location.

Germans have strict beer rules, and not to disappoint you, but it may be impossible to get something of similar quality.

Prost!
by NextMil
Sat Oct 20, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Put more than 20% down on a house?
Replies: 33
Views: 3602

Re: Put more than 20% down on a house?

Sandi_k wrote:
Sat Oct 20, 2018 1:04 pm
I'd put down 20%, and get a 15 year or 20 year mortgage. That will reduce interest paid substantially, while still allowing the additional downpayment funds to be invested and grow.
+1
by NextMil
Sat Oct 20, 2018 3:54 am
Forum: Personal Finance (Not Investing)
Topic: If I'm convinced to stop making extra mortgage payments, should I recast?
Replies: 15
Views: 2076

Re: If I'm convinced to stop making extra mortgage payments, should I recast?

Yes, if you are convinced that taking the risk in the market is worth it, why only do it halfway? At least go all in with the strategy.

FWIW - I don’t think it’s worth it, but I don’t fault anyone for having a different financial plan.
by NextMil
Fri Oct 19, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6917

Re: Depositing Cash if it was gifted?

I am going to start depositing $100 cash once a week for 100 weeks into my bank account.

Hopefully they will allow me to log on to my BH account from the hoosegow.
by NextMil
Fri Oct 19, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5502

Re: Maserati Experiences

This should help: (it’s a great read) https://www.craigslist.org/about/best/esh/6324690044.html?lang=en&cc=us Though it does eventually get a happy ending. This is fantastic. I couldn’t stop laughing. I think this was my favorite line. I'm tired of sitting in it at night drinking and making engine ...
by NextMil
Fri Oct 19, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6917

Re: Depositing Cash if it was gifted?

vtjon wrote:
Fri Oct 19, 2018 10:55 am
There's a difference between a CTR (Currency Transaction Report) and a SAR (Suspicious Activity Report). Neither of these go to the IRS as far as I know.
They do, they go to FINCEN, which is shared across a number of agencies including IRS.
by NextMil
Fri Oct 19, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8973

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

I'm the one who threw out the "55 cents on the dollar" comment upthread. To elaborate: Nominal dollars are NOT real dollars. If I took out a fixed 4% mortgage today for $250,000, nominal dollars folks would argue how much interest I'm going to pay, more than what the house should/could cost. Said m...
by NextMil
Fri Oct 19, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6917

Re: Depositing Cash if it was gifted?

Nonsense. There has to be a nefarious intent when structuring or smurfing. She isn’t laundering money or committing a financial crime. There is an intent element. 'Structuring' is a dangerously ambiguous concept, undermining the basic idea that criminal laws should be clear. However it's the law fo...
by NextMil
Thu Oct 18, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6917

Re: Depositing Cash if it was gifted?

OnTrack wrote:
Thu Oct 18, 2018 10:32 pm
"All you have to do to capture the IRS' attention is make multiple large deposits that are less than $10,000 in your account."
https://www.businessinsider.com/the-irs ... re-2014-10
That would still be true if the laws around it had not been changed.
by NextMil
Thu Oct 18, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Cash if it was gifted?
Replies: 113
Views: 6917

Re: Depositing Cash if it was gifted?

I'll bet there's probably more cash in other places in the house. (My in-law put a deceased's persons stuff in the front yard for a yard sale, then started going through the pockets. After they found several hundred dollars, they pulled all the clothes inside for another time. The original family d...
by NextMil
Thu Oct 18, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3941

Re: Should we downgrade our house?

I wouldn’t downgrade. I think I would regret it. Plus preschool costs eventually disappear and you may have kid costs, but not as bad as they are in the daycare years.

Can you get the neighborhood you want and not get a bunch more house I.e. split the difference?
by NextMil
Thu Oct 18, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Masters Degree Advice
Replies: 25
Views: 2493

Re: Masters Degree Advice

Is a masters degree worth more than just a bachelors? Yes, of course it is. According to an article I just read on your degree you can typically earn 20% more money over the life of your career with a masters over a bachelors.
by NextMil
Thu Oct 18, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8973

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

I still don’t understand why inflation matters. It’s a fixed payment no matter what. From the minute you purchased you locked in the cost of your home. That does not change if you pay it off or not. Either way you have to pay it, and who cares if it’s x percentage less of your take home pay in the ...
by NextMil
Thu Oct 18, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8973

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

I still don’t understand why inflation matters. It’s a fixed payment no matter what. From the minute you purchased you locked in the cost of your home. That does not change if you pay it off or not. Either way you have to pay it, and who cares if it’s x percentage less of your take home pay in the f...
by NextMil
Thu Oct 18, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5502

Re: Maserati Experiences

This should help: (it’s a great read) https://www.craigslist.org/about/best/esh/6324690044.html?lang=en&cc=us Though it does eventually get a happy ending. This is fantastic. I couldn’t stop laughing. I think this was my favorite line. I'm tired of sitting in it at night drinking and making engine ...
by NextMil
Thu Oct 18, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8973

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

This is ignoring the interest rate changes which are going to be an influence on the decision making process. I refinanced into a 20 year loan 2 years ago, and now the rate for the same term loan is 1.25% higher. Even if I went with a 15 year loan in a refinance now it's still be 0.875% higher. Tak...
by NextMil
Wed Oct 17, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8973

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

grokzilla wrote:
Wed Oct 17, 2018 4:28 pm
NextMil wrote:
Wed Oct 17, 2018 3:29 pm
Don't you have to factor in federal taxes for the return on the ten year as well?
Likely easily offset by the mortgage interest deduction, no?
After the new tax law, I don’t pay enough interest. So in my case, no.
by NextMil
Wed Oct 17, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8973

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

Just to frame my response, I am very much pro paying off the mortgage. As long as you own that home you will owe the debt until it is paid. That said, I understand the idea behind you are "putting money into your home," and I don't think its a false argument. I think if you are teetering on the edge...
by NextMil
Wed Oct 17, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: What would you do with unexpected tax refund?
Replies: 27
Views: 1582

Re: What would you do with unexpected tax refund?

Add me to the list of people who say make sure the cash is real then pull the trigger on option 2, then use the $255 for option 1, then use all that cash to build an emergency fund.
by NextMil
Wed Oct 17, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11296

Re: What do you consider 'enough'?

Yes - A budget. That is how you figure out if you are making enough to support your lifestyle and get ahead. If you are not running deficits with your spending and funding your retirement then you are at the point where you are making enough. If you are running deficits every month then, no you are ...
by NextMil
Mon Oct 15, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3682

Re: Not convinced with insurance

I have a stable job with generous pay, and my wife is a Ph.D. student.... Total cost for the umbrella: 300usd for the non-owner + 200usd for the 1M umbrella. What do you think? Get cheap umbrella, get cheap term on both of you, and call it a day for the peace of mind. You make good money, and the c...
by NextMil
Sat Oct 13, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5535

Re: Weigh in on our Marital Argument =)-- HCOL edition

Stay put. Suck it up until someone breaks, either you or your parents - that is not meant in a mean spirited way, but at some point someone will give in, and it doesn't sound like it will be you. Sounds like your kids are of same gender and in city living that is no biggie. I would pay off current p...
by NextMil
Fri Oct 12, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs. Cash
Replies: 28
Views: 2273

Re: Mortgage vs. Cash

I would pay cash in a heartbeat. The older I get, the more I want my life to be less complicated.
by NextMil
Thu Oct 11, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Consultant Advice: Commission - What to watch out for
Replies: 11
Views: 955

Re: Consultant Advice: Commission - What to watch out for

Thank you for your advice so far. Please keep them coming. From the advices, it seems like this situation is uncommon: The broker suddenly broke the contract with the client (company that I'm doing project with) and the consultant (me). The broker will not be operating with this client company in t...
by NextMil
Thu Oct 11, 2018 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Consultant Advice: Commission - What to watch out for
Replies: 11
Views: 955

Re: Consultant Advice: Commission - What to watch out for

Agree you need a lawyer. Your obligations dpened on what the contract said. From the broker's point of view they have already done their part of the deal- bringing you the client.The fact that they will not bring more does not change the service they already provided. But legally? You need a lawyer...