Search found 364 matches

by BradJ
Wed May 13, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9449

Re: Turning 30. Living 30s without regrets

Please don’t take this as cynicism or negativity, but nothing can change quicker than job “environment”. Your current boss leaves, and is replaced by a jerk, just an example. Please focus on your marriage first and foremost, children second and job third. If you are skilled in all things corporate, ...
by BradJ
Mon Apr 27, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8077

Re: Payoff house and quit good-paying job?

Gotcha. Quite frankly I think it’s a millennial thing. I’m allowed to say that since I’m a millennial. People used to work regardless of if they liked it or not. They got up and went to work. The end. Something got lost in the shuffle. I am an early year millennial (born in 1984) and stand behind y...
by BradJ
Mon Apr 27, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8077

Re: Payoff house and quit good-paying job?

[/quote] Gotcha. Quite frankly I think it’s a millennial thing. I’m allowed to say that since I’m a millennial. People used to work regardless of if they liked it or not. They got up and went to work. The end. Something got lost in the shuffle. [/quote] I am an early year millennial (born in 1984) a...
by BradJ
Sun Apr 26, 2020 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8077

Re: Payoff house and quit good-paying job?

someone above said it a heck of a lot nicer then I would have Time to adult. The OP hasn’t said anything about not providing for his family. He’s asking for advice. He’s currently working a job at a Big 4 firm, which are notoriously stressful places to work. Being an “adult” according to people on ...
by BradJ
Sun Apr 19, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13472

Re: How many paid for kids' college?

If you look at her at 29 years old and her peers who went a more expensive route...there is no difference in accomplishments and career achievements. Just because you can....doesn't mean you should. There’s only three types of colleges: Ivy League, Devry/ Phoenix......and everything else. I was tol...
by BradJ
Wed Apr 15, 2020 7:20 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13472

Re: How many paid for kids' college?

livesoft wrote:
Wed Apr 15, 2020 6:38 am
It might be more interesting to see a thread from all the folks who did not pay for kids' college.
I agree 100%. It would be interesting to hear any reason outside of "did not have the means." My parent's had the means, they just didn't see paying my college as their responsibility.
by BradJ
Wed Apr 15, 2020 5:50 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13472

Re: How many paid for kids' college?

My wife and I both had to pay for our school loans, our parents believed there wasn’t anything more fulfilling in life than breaking free from the nest and starting your own life...I.e. at 18 you were essentially cut off from significant help. We are millennials, so our parents approach was, and sti...
by BradJ
Thu Apr 09, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Sump pump recommendations
Replies: 26
Views: 1645

Re: Sump pump recommendations

Zoeller is a good brand.

Must do: add check valve to pump set-up, will help pump longevity.

Not a must do, but a good preparation step: around year 3-4 of your new pump, buy a replacement pump and have set up and ready to go.
by BradJ
Wed Apr 01, 2020 9:49 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8758

Re: Did you move for better weather? Did you regret it?

Great post, big thank you to the author. We live in Arkansas and have noticed the past five years have been nothing but rainy day after rainy day. Our winters are very mild, but gray. We have also noticed that the winters and summers last longer, while the fall and spring last only weeks. We have yo...
by BradJ
Sun Mar 29, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How will coronavirus affect housing choices? Do walkable suburbs win?
Replies: 19
Views: 2180

Re: How will coronavirus affect housing choices? Do walkable suburbs win?

Great question, but wished you aimed a little broader. How will Coronavirus effect all aspects in the United States. I predict if we are back to normal by May, all things go back to normal and the economy comes back stronger. If this last all summer, I think it will be branded the “lost summer”, or ...
by BradJ
Fri Mar 27, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14798

Re: Wife's oncologist has stopped treatment, is recommending hospice

My best advice is to let anyone and everyone who wants to help, help. Have a small army of people to manage other parts of your life while you go through this, and cling to any belief system you have. Write down 20 different task you need to do, put them in a bowl, so when someone ask “what can they...
by BradJ
Fri Mar 27, 2020 7:37 am
Forum: Personal Investments
Topic: The Coming Baby Boom?
Replies: 48
Views: 2037

Re: The Coming Baby Boom?

Silverado wrote:
Fri Mar 27, 2020 5:49 am
sd323232 wrote:
Fri Mar 27, 2020 5:30 am
Not sure, alot of people lost jobs and cant afford it, america is broke
My experience says this is not math that people do, and of course is also an inaccurate statement.
"Wait....we are out of work, let's try celibacy."

Said no one ever.
by BradJ
Fri Mar 27, 2020 7:36 am
Forum: Personal Investments
Topic: The Coming Baby Boom?
Replies: 48
Views: 2037

Re: The Coming Baby Boom?

First kid boom, yes. Those with kids have been driven to the brink of insanity being around theirs 24x7 with no escape.
by BradJ
Thu Mar 26, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Need recommendation on a trampoline
Replies: 23
Views: 1464

Re: Need recommendation on a trampoline

I bought one used for my kids and they love it. I think the square ones are pretty neat, but we have a regular ole circle one.
Use the video below to deal with the springs, it made assembling it a breeze:

https://www.youtube.com/watch?v=z8IEIimDrqk
by BradJ
Tue Mar 17, 2020 7:43 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50791

Re: How Is Your Job Being Impacted By The Current Crisis?

SouthernDude wrote:
Tue Mar 17, 2020 7:06 pm
Power generation industry. Business as usual but talks of splitting staff in half and rotating 2 weeks on and 2 weeks off for the next 1.5 months.
Same here. Boy do I wish I was back on shift as an operator-job security!
by BradJ
Sun Mar 15, 2020 8:36 pm
Forum: Personal Investments
Topic: Take money out of the bank?
Replies: 66
Views: 5739

Re: Take money out of the bank?

dru808 wrote:
Sun Mar 15, 2020 8:33 pm
Yes, get your money out of a bank and into a credit union.
Half of it is, at this moment.
by BradJ
Sun Mar 15, 2020 8:16 pm
Forum: Personal Investments
Topic: Take money out of the bank?
Replies: 66
Views: 5739

Take money out of the bank?

I have quite a large emergency fund (50k total) in two separate banks. While I am not THAT concerned about Coronavirus, it seems like every day more and more drastic steps are being taken. Has anyone considered taking their money out of the bank?
by BradJ
Wed Feb 26, 2020 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate Quandry
Replies: 3
Views: 348

Re: Real estate Quandry

DarkHelmetII wrote:
Wed Feb 26, 2020 8:07 pm
If you really feel guilty throw them $500 or $1000 cold hard cash or take them out to dinner. My 2 cents ....
Love it, exactly what I was thinking.
by BradJ
Wed Feb 26, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate Quandry
Replies: 3
Views: 348

Real estate Quandry

My wife and I were house hunting about two months back and after about 4 homes, we decided to give up the hunt and settle into our current home. My friend, whose side hustle is real estate, showed us the homes. At the same time, an agent we go to church with asked if they could help us to find a hom...
by BradJ
Wed Feb 26, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9609

Re: How Do you Exercise Indoors?

YouTube app, search Fitness Blender. Hundreds of videos ranging from weights to cardio.
by BradJ
Mon Feb 24, 2020 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Job interview question: how do I explain wanting to leave my current job so soon?
Replies: 34
Views: 4021

Re: Job interview question: how do I explain wanting to leave my current job so soon?

"I realized it wouldn't be the right fit for me long term..” No need to say anything negative. +1 A diplomatic answer. If pressed further you could always use the chestnut that advancement opportunities seemed very limited. I really like that answer. I would expand and then transition to talking ab...
by BradJ
Sun Feb 16, 2020 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14070

Re: Am I crazy to consider quitting my job?

My perspective: There is NOTHING more important than loving parents raising their children and teaching the family values that are important to the parents. That means if you can spend time with them showing you care, you value their activities by being there, you are there for the bumps and bruise...
by BradJ
Fri Feb 14, 2020 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help find balance between saving vs spending: married and 3 young kids
Replies: 55
Views: 3956

Re: Help find balance between saving vs spending: married and 3 young kids

Vacations are important to my family as well, and we are close in many ways, economically. Here are my rules for a cheap vacation: 1) travel in late August, early September if possible. 2) Only drink alcohol you buy at grocery store, never order at restaurant. 3) At the very least, eat breakfast and...
by BradJ
Fri Feb 14, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12327

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

I have worked in utilities/electric business my entire life and most companies I have worked for had a pension. Most require 5 years to be vested. Pensions are amazing if they are fully funded by employer and as an employee, you save like it doesn’t exist. In the end, you don’t own the it until it’s...
by BradJ
Wed Feb 12, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14070

Re: Am I crazy to consider quitting my job?

Of course it is crazy to quit your job, but that should have no bearing on your decision. Here is my take: If you have always had an innate desire to stay home and play the role of stay at home spouse, you will not regret the decision. You will find endless joy in making that sacrifice, and understa...
by BradJ
Mon Feb 03, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 146
Views: 10855

Re: Books that changed your life

WJW wrote:
Mon Feb 03, 2020 7:38 am
No other book has changed my life more than the Bible.

KJV supplemented with NASB versions.
+1.
The moment I stopped letting both sides tell me what was (and wasn't) in there and read it for myself was life changing.
by BradJ
Sat Jan 25, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3291

Re: Baby registry "must haves"?

From a father of 9: Commercial grade breast pump if breastfeeding. Tons of formula if not. I'd caution against using formula as a bridge to breastfeeding as mentioned above. Milk may not come in if baby is getting food elsewhere. +1 Chico key fit seat and stroller combo. Get an extra car seat base ...
by BradJ
Tue Jan 21, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Life advice for recent graduate
Replies: 67
Views: 5026

Re: Life advice for recent graduate

All great advice on here, specifically to marry well and wisely. I am going to assume you are in your lower 20s, so I can not stress enough on how close you are to sticking the landing. Age 22-25 is a pivotal time, you are searching for your place and identity in the world. Take your time, have fun,...
by BradJ
Fri Jan 03, 2020 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How are we doing? Just turned 30
Replies: 12
Views: 1856

Re: How are we doing? Just turned 30

I think you guys are doing great. My best advice, being only a couple of years older than you, is to maintain the course and stay out of debt. Try to not make any big lifestyle decisions until kids come. Believe it or not, spouses have the tendency to change their mind on staying at home once the ki...
by BradJ
Thu Jan 02, 2020 9:14 am
Forum: Personal Investments
Topic: Financial Wellness Check
Replies: 11
Views: 1363

Re: Financial Wellness Check

It sounds like your family has been through a lot with your son's illness. I wish you the best on that front. As for your finances, here's what I would consider: 1. Move the "old 401k" to an IRA. In my experience, 401k offerings can be restricted to slightly higher fee options. An IRA offers flexib...
by BradJ
Thu Jan 02, 2020 9:09 am
Forum: Personal Investments
Topic: Financial Wellness Check
Replies: 11
Views: 1363

Re: Financial Wellness Check

It seems you are doing well. And am very sorry about your son’s illness - and it can be hard on a family. I have a different view point on goals - i didn’t have a goal of a specific amount at a given age since you really have much less control as to whether the market cooperates. Set savings goals ...
by BradJ
Wed Jan 01, 2020 12:47 pm
Forum: Personal Investments
Topic: Financial Wellness Check
Replies: 11
Views: 1363

Re: Financial Wellness Check

[/quote] That's a good savings rate and should get you to your $500k goal by 2025. But it's not great, and if the market has some hiccups along the way you may not be as far along as you hoped, requiring you to work until you're 65. [/quote] Thank you for your feedback. While I know 500k is subpar t...
by BradJ
Tue Dec 31, 2019 10:07 pm
Forum: Personal Investments
Topic: Financial Wellness Check
Replies: 11
Views: 1363

Re: Financial Wellness Check

Thanks everyone, it seems like I need to consider decreasing my stock percentage a little for some safety. As far as a “wellness” check, are we doing ok for our age?
by BradJ
Tue Dec 31, 2019 3:26 pm
Forum: Personal Investments
Topic: Financial Wellness Check
Replies: 11
Views: 1363

Financial Wellness Check

Emergency funds: 12 months ($55,000*) Debt: $84,000 mortgage @3.50%, 11 years left. No other debt. House worth 160-170k. Income: $115,000, with possible one time 15% bonus each year. Tax Filing Status: Married Filing Jointly Tax Rate: 24% Federal, 5.75% State State of Residence: AR Age: 35 yrs (me),...
by BradJ
Fri Dec 27, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Thoughts on House Size to Family Size
Replies: 53
Views: 4182

Re: Boglehead Thoughts on House Size to Family Size

You can always grow into a house, so I encourage you to get the biggest one within your budget. Reference: Young family with 2 kids who downsized into a "fixxer upper"; worst mistake ever. Is "growing into a house" without actually adding more people a positive thing? neutral "thing"....,I guess?
by BradJ
Fri Dec 27, 2019 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead Thoughts on House Size to Family Size
Replies: 53
Views: 4182

Re: Boglehead Thoughts on House Size to Family Size

You can always grow into a house, so I encourage you to get the biggest one within your budget.
Reference: Young family with 2 kids who downsized into a "fixxer upper"; worst mistake ever.
by BradJ
Sat Dec 21, 2019 12:57 pm
Forum: Investing - Theory, News & General
Topic: Next Level Move that made the difference
Replies: 44
Views: 3561

Re: Next Level Move that made the difference

Many factors in life that play huge roles in next level moves are out of our control, such as right timing and place. One factor that we can control that can make all the difference is marrying the right person. Also, base success (and failure) on what you believe it to be, no one else.
by BradJ
Fri Dec 13, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Appraising Art Work
Replies: 18
Views: 924

Re: Appraising Art Work

Hi, all: wife is a museum curator. Her recommendation is to Google first (the internet has eliminated the “lucky finds” market) and then look for a local estate appraiser to handle the rest. It’s unlikely a high-end auction house would be interested in even looking it over. She also cautioned to se...
by BradJ
Fri Dec 13, 2019 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Appraising Art Work
Replies: 18
Views: 924

Re: Appraising Art Work

Agree with all who said do your own research with Google & learn as much as you can & if you think you have a real treasure take it to a reputable auction house. If auction house sees one real treasure, they’ll be HAPPY to look at the rest. You didn’t say if your mother is ready to part with “junk“...
by BradJ
Fri Dec 13, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Is a minivan worth it?
Replies: 86
Views: 6604

Re: Is a minivan worth it?

I will do one more, and I will stop picking on "cool" adults: Where I live in the south, nothing says you are killing it as a family like driving a brand new Tahoe/ Yukon. Below is an exact conversation I have had with several "cool" adults on the subject of minivans: Cool Adult: Looking for a new r...
by BradJ
Thu Dec 12, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Appraising Art Work
Replies: 18
Views: 924

Re: Appraising Art Work

If you're in a decent sized metro area, there are likely art galleries and professional appraisers that can help. You can start with Google. However, it can get pricey and fees can vary a good deal. I would start by looking up the artists if you can make out a signature. Also look on the back of th...
by BradJ
Thu Dec 12, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Is a minivan worth it?
Replies: 86
Views: 6604

Re: Is a minivan worth it?

Most Adults: "I just can't do the minivan, they just are not my style (aka not cool)"
Me: "We are adults now, just accept the fact we are not cool anymore and a vehicle is not going to change that."
by BradJ
Thu Dec 12, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Appraising Art Work
Replies: 18
Views: 924

Appraising Art Work

My mom lives in the Memphis, TN area and has acquired quite an amount of junk over the years of picking up things here and there (her hobby is "junking"). Honestly 99.9% of this junk is just that, but I have the feeling some of these art pieces and drawings she has may be worth something. Where can ...
by BradJ
Sat Nov 30, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Is a minivan worth it?
Replies: 86
Views: 6604

Re: Is a minivan worth it?

I will continue to echo the comments, vans are awesome. Our kids love it, entertainment system, great gas mileage, sliding doors are 1 million times better than side opening doors for kids, and it is one of the most versatile cars you will ever own. Oh, and putting small kids in a car seat that is l...
by BradJ
Sat Nov 30, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Charity vs. Scrooge- how do you think of things?
Replies: 85
Views: 5760

Re: Charity vs. Scrooge- how do you think of things?

When it comes to local charities, often times it better to give mid-year when donations are down. Also, St. Jude is a great organization, sadly I know just how good it is.
by BradJ
Sat Nov 30, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Charity vs. Scrooge- how do you think of things?
Replies: 85
Views: 5760

Re: Charity vs. Scrooge- how do you think of things?

If possible give some of your time and labor to a local good cause that you care about. It is very rewarding to directly see and feel the positive aspect of your work. I'll put in a shameless plug for Habitat for Humanity - In terms of monetary giving I can personally vouch for Habitat for Humanity...
by BradJ
Sat Nov 30, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Charity vs. Scrooge- how do you think of things?
Replies: 85
Views: 5760

Re: Charity vs. Scrooge- how do you think of things?

The greatest person who ever lived once said “ Therefore be as shrewd as snakes and as innocent as doves.” Giving should be done generously but shrewdly. My advice, find one thing you care deeply about and focus on that. When it comes to individuals, don’t expect them to be as gracious or wise with ...
by BradJ
Fri Nov 01, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Managing Life with a Sick Kid
Replies: 8
Views: 1461

Re: Managing Life with a Sick Kid

Thank you everyone for your prayers and advice, both are much needed and impactful. God has given us some great "guard rails", such as church, family and friends. My parents live in Memphis (where St.Jude is located), so we have that resource available while we are there. I do agree with the mental ...
by BradJ
Fri Nov 01, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Managing Life with a Sick Kid
Replies: 8
Views: 1461

Managing Life with a Sick Kid

Allow me to vent....but honestly seeking advice. My infant son was diagnosed with cancer about a three months ago, and honestly the more time goes by the harder it is to manage life's other responsibilities. My wife stays home with him and take him to treatments, and we are about to visit St. Jude f...
by BradJ
Tue Oct 22, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Living life post smart phone
Replies: 68
Views: 6262

Re: Living life post smart phone

Thank you all for your helpful responses. My struggle is not checking e-mails, like GPS , e-mail is something I would like to have so I could use it if needed. My struggle is that I find myself looking at my phone during boring business meetings (faux pas) and relaxing at the house when the kids go...