Search found 896 matches

by Glockenspiel
Fri Sep 13, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 56
Views: 5743

Re: Beach City / Town in Florida

Tampa Bay area or Jacksonville not pretentious like Miami or dead like Naples One of the things about Naples is you can walk into almost any restaurant at 7:30/8:00 and get a table - if they aren't about to close the kitchen. :P However, if you want to eat at 4:30, be prepared for a 45 minute wait.
by Glockenspiel
Wed Sep 11, 2019 2:59 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 252
Views: 25488

Re: Small Cap Value heads Rejoice !!!

Since Friday, IJS (iShares S&P 600 Small Cap Value ETF) is up 6.2%. VTSAX (Vanguard Total Stock Market Index Fund) is only up 0.15%. Amazing.
by Glockenspiel
Thu Sep 05, 2019 12:50 pm
Forum: Personal Investments
Topic: Learnings/Regrets from last two recessions
Replies: 61
Views: 7487

Re: Learnings/Regrets from last two recessions

Regrets from 2008 - I was just starting my career and wish I would have had a high enough salary & low enough spending to max out my 401k. I only contributed ~10%, and it only amounted to maybe $4,000-$4,500 that first year. If I would have maxed it out, I'd have way more savings. I'm still doing we...
by Glockenspiel
Thu Sep 05, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 6850

Re: First-hand experiences with United Basic Economy for families?

I JUST went through this. Bought United Basic Economy. Didn't pay for seats right away during initial purchase. I logged in a few days before the flight and saw that the only cheap seats available were the last 2 rows right by the bathrooms and middle seats closer to the back. Ended up buying 3 seat...
by Glockenspiel
Wed Sep 04, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Italy in September
Replies: 35
Views: 2190

Re: Italy in September

In Rome, some must sees, in order, are: Vatican museum, including the Sistine Chapel - buy tickets online ahead of time and skip the line. For the Sistine Chapel, go right when they open and immediately walk all the way to the Sistine Chapel before the rest of the crowd gets there. Rick Steves has a...
by Glockenspiel
Fri Aug 23, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Lawn chemicals - any experts here?
Replies: 37
Views: 2120

Re: Lawn chemicals - any experts here?

I almost never have a need for lawn chemicals, other than occasional (1 or 2 times/year) fertilizer. If you keep your grass on the longer side (~3 inches), mow off no more than 1/3 of the blade at a time, and use a weed popper tool for any random weeds that spring up, you really don't need to spray ...
by Glockenspiel
Fri Aug 23, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 16261

Re: White collars- How much is your work downtime?

I'm a civil engineer working in an office 99% of the time. My downtime is probably somewhere around 20%. It has varied over the years, probably from 5% to 40%, for stretches of time. I spend a fair amount of time catching up on the news, doing personal things, online shopping, etc, but it's no more...
by Glockenspiel
Thu Aug 22, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 16261

Re: White collars- How much is your work downtime?

That is, there is always work to be done but it doesn't necessarily need to be done right this second. I have deadlines for many things months out as I sit here. I could do them now, or next week, or next month, as long as they get done. This is a great point. Personally, I am almost totally deadli...
by Glockenspiel
Thu Aug 22, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 16261

Re: White collars- How much is your work downtime?

I'm a civil engineer working in an office 99% of the time. My downtime is probably somewhere around 20%. It has varied over the years, probably from 5% to 40%, for stretches of time. I spend a fair amount of time catching up on the news, doing personal things, online shopping, etc, but it's no more ...
by Glockenspiel
Fri Aug 16, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4342

Re: Kindergarten lunches

Determined wrote:
Fri Aug 16, 2019 9:15 pm
Duckie wrote:
Fri Aug 16, 2019 6:08 pm
I thought kindergarten was only for half a day. Is it for a whole day now?
We have had full day for fifteen years.
Depends on the state. My state (MN) has had it for about 5 years now. Before that, parents had to pay out of pocket for full-day public kindergarten, or just do half-day.
by Glockenspiel
Fri Aug 16, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Debating a 4.25 to 3.375 refi
Replies: 28
Views: 1893

Re: Debating a 4.25 to 3.375 refi

Thanks for the feedback everybody. It seems like the consensus is that this is a worthwhile offer. I did consider going down to 15 yr but I'd rather keep it 30 yr and pay extra on it every month. It will cost more in the long run but I like the cash flow flexibility. My only thought was do I hold o...
by Glockenspiel
Fri Aug 16, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Debating a 4.25 to 3.375 refi
Replies: 28
Views: 1893

Re: Debating a 4.25 to 3.375 refi

Do it now and don't look back. If you have to, do the no-cost refi. Easy and you'll save tons of money as long as you plan to keep living there for more than 1-2 years.
by Glockenspiel
Fri Aug 16, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $400k house?
Replies: 44
Views: 4408

Re: Can we afford a $400k house?

Yes, you absolutely can. Especially with a 20% down payment. If you plan on having kids, you should just go ahead and buy a house with enough bedrooms for the number of kids you plan on having. I'd actually say that you could afford $500k without much problem, considering your current savings rate a...
by Glockenspiel
Fri Aug 16, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12034
Views: 2047361

Re: U.S. stocks in free fall

CBS News this morning is reporting: “Fourth Largest Drop Ever!!!” Point drop in the Dow, that is. My biggest pet peeve ever is that you ONLY hear about the points the market dropped. News organizations hardly ever report the percentages, which is really the only thing that matters. And they only re...
by Glockenspiel
Fri Aug 16, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4342

Re: Kindergarten lunches

We have a 5 year old starting kindergarten next week. Anybody have any tips for how to go about building healthy school lunches that don't take a lot of time to put together and that are cost effective? They can't eat the school lunch? Generally school lunches are fairly well-rounded and include fr...
by Glockenspiel
Thu Aug 15, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2036

Re: October in Minnesota

https://www.wikiwand.com/en/1991_Halloween_blizzard Yes there was a lot of snow. I went cross country skiing after the storm. Lots of fun. I was a wee 6-year old. I remember trick-or-treating and there was a few inches of snow on the ground. It got cut shorter than usual because the snow was starti...
by Glockenspiel
Thu Aug 15, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2036

Re: October in Minnesota

Skip the MOA. It's a mall like every other one in America, so it's aptly named. Unless you want to see gangs up close. Also avoid downtown late at night. I will generally agree that MOA is not worth going to, if you've been to a mall before. But it certainly isn't dangerous. I guess groups of teena...
by Glockenspiel
Thu Aug 15, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: 1) What age did you have your teen get a driver's license?
Replies: 48
Views: 1843

Re: 1) What age did you have your teen get a driver's license?

I got mine basically as soon as possible after turning 16. Times have changed since the early 2000s though. I will admit that too many Friday and Saturday nights were spent driving fairly haphazardly or downright dangerously, with friends in the car.
by Glockenspiel
Thu Aug 15, 2019 12:34 pm
Forum: Personal Investments
Topic: How can I accomplish "Locking in Gains"
Replies: 53
Views: 3424

Re: How can I accomplish "Locking in Gains"

Not possible outside of retirement, unless you get extremely lucky. You have to sell everything at the top of the market and buy everything at the very bottom of the market. The problem is, you'll NEVER predict when the bottom of the market has arrived.
by Glockenspiel
Thu Aug 15, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12034
Views: 2047361

Re: U.S. stocks in free fall

CBS News this morning is reporting: “Fourth Largest Drop Ever!!!” Point drop in the Dow, that is. My biggest pet peeve ever is that you ONLY hear about the points the market dropped. News organizations hardly ever report the percentages, which is really the only thing that matters. And they only re...
by Glockenspiel
Thu Aug 15, 2019 8:11 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12034
Views: 2047361

Re: U.S. stocks in free fall

I agree that the news media is generally incentivized to sow fear in order to get clicks. Uncertainty is part of the game. People who can develop and maintain resistance to fear of uncertainty in the financial markets will have an advantage over those who sell out of panic. My local news station wa...
by Glockenspiel
Wed Aug 14, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2036

Re: October in Minnesota

Mill City Museum - great history lesson of the City of Minneapolis Minnehaha Falls I'd hit up one of the local state parks. The fall colors should be gorgeous that time of year. St. Croix, William O'Brien, Interstate, and Wild River are all relatively close to the east side of the Twin Cities and wi...
by Glockenspiel
Wed Aug 14, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 116
Views: 15724

Re: How do you afford to travel?

It helps that I use a 2% cash back card, which typically pays for 2 flights (one for my spouse and myself), each year.
by Glockenspiel
Tue Aug 13, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4925

Re: Is this 25% savings?

I'm shocked that the marketing team can't do 4th grade math. :oops: The dumbing down of America is almost complete. If only there was a stock that invested in this phenomenon. Idiocracy. Blame the failure of the U.S. education system and the fact that we prioritize almost everything above education.
by Glockenspiel
Tue Aug 13, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: NP degree worth the investment?
Replies: 62
Views: 5224

Re: NP degree worth the investment?

As far as specialties go, she wants to do dermatology. If she can get into a dermatology office and start doing procedures (wart removal, biopsies, botox, etc), she can start making significant amounts of money if she can get paid in part by RVUs instead of salary. I recommend her trying to find a ...
by Glockenspiel
Tue Aug 13, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Is this 25% savings?
Replies: 67
Views: 4925

Re: Is this 25% savings?

25% savings would be paying $150 instead of $200. $160 would be a 20% savings. I personally would find it dishonest if I saw a company saying 25% off and it's really only 20% off. This would be a slight turn-off for me, to the company or the deal.
by Glockenspiel
Mon Aug 12, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12034
Views: 2047361

Re: U.S. stocks in free fall

HomerJ wrote:
Fri Aug 09, 2019 3:30 pm
BanquetBeer wrote:
Fri Aug 09, 2019 2:05 pm
My horizon is at least 50 years and probably 90 for the funds I hope to pass on.
Heh, you're the first 6-year old I've seen on this site. Nice!
Meh. I think he thinks that by the time we get that old, the average human will live to 110+.
by Glockenspiel
Mon Aug 12, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: NP degree worth the investment?
Replies: 62
Views: 5224

Re: NP degree worth the investment?

As far as specialties go, she wants to do dermatology. If she can get into a dermatology office and start doing procedures (wart removal, biopsies, botox, etc), she can start making significant amounts of money if she can get paid in part by RVUs instead of salary. I recommend her trying to find a ...
by Glockenspiel
Mon Aug 12, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: NP degree worth the investment?
Replies: 62
Views: 5224

Re: NP degree worth the investment?

It is absolutely worth it. My wife did this exact thing before we had kids. She was a late 20s RN working a 0.7 FTE job, making ~$34-$35/hour, back in about 2012. Went to a very good online NP school, part-time, for 3 years to get her Master's. This online school had in-person clinicals and in-perso...
by Glockenspiel
Thu Aug 08, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Should college student major in environmental science?
Replies: 50
Views: 2946

Re: Should college student major in environmental science?

I know someone that is working in that field and making good money. I don't know exactly what her degree is in but it is something like environmental science and she might have picked up a masters somewhere along the way. Anyway she works for a big oil company usually dealing with environmental iss...
by Glockenspiel
Thu Aug 08, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: Should college student major in environmental science?
Replies: 50
Views: 2946

Re: Should college student major in environmental science?

I’m a civil engineer and I frequently work with environmental scientists. Consulting engineering firms frequently hire environmental scientists to help their clients through the NEPA process, environmental permitting, wetland delineations, tree inventories, threatened and endangered species identifi...
by Glockenspiel
Thu Aug 08, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 12361

Re: Amazon -- no longer the lowest prices, evidently

I've found the same thing. Frequently, it is much more expensive than if I just ordered from Target, especially for small $ items. Something that is normally $4 in a store will often by like $6 or $7 on Amazon. Or instead of $7, will be like $9.99.
by Glockenspiel
Tue Jul 30, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 18370

Re: Do you buy new or used cars?

I look for used (2-3 years old) but always end up buying new because almost new cars are not much cheaper than brand new ones. Yes - depending on the vehicle involved, this is often the case - from my experience and observation. Plus, we generally drive our vehicles for 10-12 years, so the cost per...
by Glockenspiel
Tue Jul 30, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Working four days a week
Replies: 21
Views: 1613

Re: Working four days a week

Do it. Worst they can do is say no, and I'm assuming they really want to keep you. On the day that you are off, make sure that you have boundaries set so you don't need to be answering emails those days. Make sure you still qualify for benefits. I know many companies have like a 30, 32, or 35 hour/w...
by Glockenspiel
Mon Jul 29, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 183
Views: 18370

Re: Do you buy new or used cars?

I look for used (2-3 years old) but always end up buying new because almost new cars are not much cheaper than brand new ones.
by Glockenspiel
Mon Jul 29, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2500

Re: Hawaii in August

Kauai. Use VRBO or AirBnB. Don’t stay in a hotel. You’re not going to be in your room other than to sleep and eat some meals anyway. Get a kitchen with a VRBO. I suggest either Poipu or Princeville to stay in on Kauai.
by Glockenspiel
Wed Jul 24, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: How much discount could I expect on end-of-season mowers and trimmers
Replies: 18
Views: 1317

Re: How much discount could I expect on end-of-season mowers and trimmers

I would guess that Home Depot and Lowe's will offer 10%-20% discounts, though they should be greater.
by Glockenspiel
Wed Jul 24, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 9567

Re: Where would you move to?

My wife and I are trying to determine a place to move. Reasons why are a long story. We're at a loss for where to go. We do know that we'd like to be in a state that has no income taxes. We live an active outdoor life will the dogs. We'd like to be in a place with a smaller population and reasonabl...
by Glockenspiel
Wed Jul 24, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Best way to create a Lego Inventory
Replies: 19
Views: 1519

Re: Best way to create a Lego Inventory

The goal is to know what I have. They’re in a million ziplock bags (pieces plus instructions), then in a handful of large bins. Maybe get to the point of knowing what’s in each bin. It’s partly just having the list for the sake of having the list, partly sentimental, and partly so I can remind myse...
by Glockenspiel
Tue Jul 23, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?
Replies: 122
Views: 8927

Re: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?

Short term disability is a prudent move, usually its offered by employers as part of benefits so review his/her packages to ensure you have it. Why is it prudent? While you expect a recovery from delivery to go smooth, sometimes it doesn't work out quite so smoothly. There are risks, but likely sma...
by Glockenspiel
Mon Jul 22, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?
Replies: 122
Views: 8927

Re: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?

When you hear or advice there will be some firms things to do, like if you should put the baby to sleep on their stomach or back, but 90% of it will be more of a recommendation than a rule. Always on their back. Never ever put a baby to sleep on their stomach until they can start crawling on their ...
by Glockenspiel
Mon Jul 22, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?
Replies: 122
Views: 8927

Re: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?

1. Term life insurance - make sure you have it, outside of employer, ideally before she gets pregnant. Use selectquote.com or term4sale.com to get started. Approximiately 10x each of your salaries, depending on if you have a mortgage or not, etc. 2. Short-term disability - usually can only get for 6...
by Glockenspiel
Sat Jul 20, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: Zero % down mortgages. Are we going to see 2008 again?
Replies: 27
Views: 2880

Re: Zero % down mortgages. Are we going to see 2008 again?

I’ll never underestimate the ability of large financial institutions to be greedy. I also don’t think the government is in the interest of looking out for consumers over corporations. I believe it could happen again but on a lesser scale and people will be able to see the writing on the wall.
by Glockenspiel
Thu Jul 18, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Why Personal Finance is not taught in Schools in the US
Replies: 59
Views: 2950

Re: Why Personal Finance is not taught in Schools in the US

Simple answer: Banks, financial institutions, and Wall Street have too much lobbying power that they’d squash any proposal to require it.
by Glockenspiel
Thu Jul 18, 2019 11:22 am
Forum: Personal Investments
Topic: Just sat through a wealth-management sales pitch.
Replies: 96
Views: 10145

Re: Just sat through a wealth-management sales pitch.

I appreciate you helping a fresh out of college kid develop some skills and bring her some knowledge. Developing presentation skills and learning how to appropriately respond to a prospective client's questions is important in a professional-type of career.
by Glockenspiel
Wed Jul 17, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Working 4 days a week?
Replies: 39
Views: 3027

Re: Working 4 days a week?

I'd ask. The worst thing they can do is say no. I'm assuming since your salary is so large that they'd hate to lose you, and you mean a lot to the company. If I could pull it off, I absolutely would, and I barely make half of what you make. Life is meant for living, not working.
by Glockenspiel
Wed Jul 17, 2019 8:23 am
Forum: Personal Investments
Topic: Edward Jones trap
Replies: 91
Views: 14956

Re: Edward Jones trap

palaheel wrote:
Tue Jul 16, 2019 6:51 pm
Offer to pay for one year of Vanguard PAS?
That will be the year that the market starts slipping, and their opinion will be further cemented that EJ was better.
by Glockenspiel
Wed Jul 17, 2019 8:21 am
Forum: Personal Investments
Topic: Edward Jones trap
Replies: 91
Views: 14956

Re: Edward Jones trap

This is a very difficult situation that is probably best to stay out of. Psychologically, this is a very similar scenario to trying to convince someone from the opposite end of the political spectrum that "The President is the worst or best ever". People are stuck in their ways and dig in to their p...
by Glockenspiel
Tue Jul 16, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Baking in the summertime?
Replies: 34
Views: 2510

Re: Baking in the summertime?

And for those that wonder. It is currently 112 degrees in Phoenix. It got up to 113 degrees this afternoon. The low last night was 90. But is a nice comfortable 77 here inside my house. 112 degrees, 14% humidity in Phoenix (high?), dew point 42 degrees 88 degrees, 71% humidity in Mpls (could be hig...
by Glockenspiel
Fri Jul 12, 2019 3:45 pm
Forum: Personal Investments
Topic: Refinance 30yr - 4.75%?
Replies: 35
Views: 2833

Re: Refinance 30yr - 4.75%?

Just moved into a new place in Jan with a 30yr - 4.75% rate just to get things closed quickly. I am about 6-7 months in and trying to figure if I should refinance to a 30yr again then just pay the extra saving back to principal. The other idea is get it down to a 20-25yr which would equate around t...