Search found 630 matches

by Glockenspiel
Fri Jan 18, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3895

Re: Any good reason to get a smartwatch?

For the Google Home/ Alexa, I think the biggest benefit for me is home automation. So for example, I come downstairs in the morning and with a simple 'Good Morning' my lights turn on, TV turns on and I get the current weather outside, lot of possibilities. This set up entails installing smart switc...
by Glockenspiel
Thu Jan 17, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: House Dillema
Replies: 12
Views: 1237

Re: How much do you care about housing?

When I was in my 20s I cared a lot more. Now I'm in my 30s and have owned a home for the past 8 years and have realized what's important in a home. Now I value the neighborhood, yard, and usefulness of the home more than the shiny/fancy parts of a home. I hate that all builders are building 3,500-5,...
by Glockenspiel
Thu Jan 17, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 119
Views: 43439

Re: WSJ Digital Subscription - a bargain!

Journalism does not exist anymore. It's all just media. I wholeheartedly disagree. The investigative reporting occurring from some of the major newspapers (as well as my local newspaper), has been fantastic the past few years. In fact, my local smallish town paper essentially uncovered that our sch...
by Glockenspiel
Wed Jan 16, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6580

Re: A co-worker makes more than me

Does co-worker have more experience or have they been at employer longer? One of my co-workers IMHO is probably only worth half as much as she actually makes, but has 5 more years of experience than me, and we make very close to the same amount. I'm not too upset by it, but wish she'd pull her own w...
by Glockenspiel
Wed Jan 16, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10341

Re: Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fi...
by Glockenspiel
Wed Jan 16, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10341

Re: Are You Dumping Netflix?

bob60014 wrote:
Wed Jan 16, 2019 8:12 am
A lot of comments here about BluRay and DVD's but be prepared, these are quickly going the way of 8 tracks, cassette tapes, VHS, betamax, etc......
In the past year, I've probably watched a BluRay or DVD twice. Soon, physical discs will no longer be produced and everything will be a digital file.
by Glockenspiel
Wed Jan 16, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10341

Re: Are You Dumping Netflix?

Summit111 wrote:
Tue Jan 15, 2019 7:10 pm
They are going the route of Apple and pricing themselves out of the market. Amazon Prime Video is similar and I’m on the fence about dropping Netflix.

Summit
Prime Video is similar except the content is far worse with less variety.
by Glockenspiel
Sat Jan 12, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10223

Re: Millionaire by 40 and How you Did it?

I’m only 33, but our retirement projection spreadsheet thinks we’ll hit $1 million around age 39. Wife grew up middle class and I was lower middle class. Both went to college, got civil engineering and nursing degrees. Lived with her parents for a year while saving to buy a house in 2010, near the m...
by Glockenspiel
Sat Jan 12, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Millionaire by 40 and How you Did it?
Replies: 90
Views: 10223

Re: Millionaire by 40 and How you Did it?

DesertDiva wrote:
Fri Jan 11, 2019 6:54 pm
surfstar wrote:
Fri Jan 11, 2019 4:24 pm
I started out with a "small" loan from my father...
lol :twisted:
Well played!
by Glockenspiel
Fri Jan 11, 2019 8:19 am
Forum: Investing - Help with Personal Investments
Topic: International debate again!!
Replies: 16
Views: 1135

Re: International debate again!!

I've always been comfortable at around 25% of equities. Sometimes I get an urge to increase it and sometimes I get an urge to decrease it, so I figure it must be my comfort zone, so I'll just leave it as it is.
by Glockenspiel
Thu Jan 10, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: Opinions on 2019 RAV4 and/or 2019 Santa Fe
Replies: 23
Views: 1801

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

I'm looking to buy either a 2019 RAV4 or a 2019 Santa Fe. Has anyone bought/rented either of these? Would be interested in your feedback on the cars themselves (not the buying experience). If possible, please include info. on trim level, engine (regular or turbo) and drivetrain (AWD or FWD). Thanks...
by Glockenspiel
Wed Jan 09, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5265

Re: BHers, what is your Roth IRA %?

Current Roth IRA % is 38.2%. We also have an additional 6.0% of our portfolio in a tax-free HSA account. Wife and I are both early-mid 30s, but I would like to think somewhere between 25-75% of portfolio in tax deferred accounts is ideal.
by Glockenspiel
Wed Jan 09, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 7297

Re: Is buying a $700K first home crazy?

Not crazy as long as you're not buying a mansion in a town where the regular home price is $200k. If this is a fairly MCOL-HCOL place, you're good, as long as you believe you will have good income stability into the future. One thing to consider is if one of you were laid off, would you be able to f...
by Glockenspiel
Wed Jan 09, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20409

Re: Best town I've never heard of [for relocating]

Suburbs of the Twin Cities. For example, Orono, MN Wayzata, MN Maple Grove, MN (2nd best place to live in US, according to Money Magazine this year - http://time.com/money/3312310/maple-grove-minnesota-best-places-to-live/ ) Plymouth, MN (been in Money's top ten list a few times recently) Woodbury,...
by Glockenspiel
Wed Jan 09, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 137
Views: 20409

Re: Best town I've never heard of [for relocating]

Red Wing, Minnesota meets all your criteria.

Within 1 hour of the Twin Cities. Good schools. (really all MN public schools are good). middle-low COL, beautiful town surrounded by the Mississippi River and wooded bluffs. Home to Red Wing Boots. Winters are getting milder and milder.
by Glockenspiel
Mon Jan 07, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6255

Re: What do you think are (some of) the best states to live in?

Minnesota https://momentummag.com/wp-content/uploads/2015/01/51-feat-Minneapolis-Bridge-Lead.jpg decent job opportunities/economy : tons of fortune 500 companies in the twin cities with excellent pay (12), more than Chicago. Largest private company in the world, Cargill. good education we are the s...
by Glockenspiel
Mon Jan 07, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think are (some of) the best states to live in?
Replies: 81
Views: 6255

Re: What do you think are (some of) the best states to live in?

Minnesota - great job opportunities, lots of corporate headquarters here, high wages, wonderful parks/trails systems, awesome state parks, affordable housing compared with any other place you would consider "best state to live", highly educated population, changing climate has made Minneapolis/St. P...
by Glockenspiel
Fri Jan 04, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8249

Re: What Do You Spend The Most On Annually?

1. Retirement savings
2. Daycare (3 year old and 6 month old)
3. Mortgage (Principal, Interest, Property Taxes, Insurance)
4. Income taxes
5. Food
6. Medical insurance/medical bills
by Glockenspiel
Thu Jan 03, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 10865

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

My company, let's call it Mega-Aero, would not look at his resume, it would unfortunately be scrapped before a human laid eyes on it. Your idea to focus on smaller companies is a good one. Many will hire applicants like your son who can't get anywhere with the big games in town. The pay will be low...
by Glockenspiel
Thu Jan 03, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 77
Views: 7658

Re: Best Way to get rid of leaves

dm200 wrote:
Thu Jan 03, 2019 9:41 am
Although not done today, I recall when the most common practice was to burn them. Had a lot of advantages - and disavantages.
When I was a kid in the 90s, my parents would rake them up into a huge pile in the garden, and burned them, resulting in a large smoky ball of fire.
by Glockenspiel
Thu Jan 03, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Best Way to get rid of leaves
Replies: 77
Views: 7658

Re: Best Way to get rid of leaves

I don't have a ton of leaves on my lawn yet, but I only mow them. They decompose pretty quickly once they're chopped up into small pieces.
by Glockenspiel
Thu Jan 03, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Cable TV renewal
Replies: 32
Views: 2327

Re: Cable TV renewal

Probably the biggest problem with YTTV is the thin lineup for entertainment channels. They don't have anything from the Discovery or A&E groups. So no Discovery, FoodTV, History, HGTV, etc. It sounds like you want some of those, at least on-demand. I don't know how that works in terms of subscripti...
by Glockenspiel
Thu Jan 03, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: Social Security for Millennials
Replies: 234
Views: 29025

Re: Social Security for Millennials

I've been saving so as to not expect anything, with any benefits I get being gravy/travel money.
by Glockenspiel
Thu Jan 03, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 714
Views: 92180

Re: How much money do you want to retire?

I want $3 million in today’s dollars for wife and I to comfortably retire early (early-mid 50s). Currently 33 with ~650k net worth.
by Glockenspiel
Wed Jan 02, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Which iPhone: 8 or XR?
Replies: 45
Views: 3131

Re: Which iPhone: 8 or XR?

I have the XR and the battery lasts a solid 2 days, with at least 3 hours of internet browsing a day.
by Glockenspiel
Wed Jan 02, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: keeping warm in outside windy, freezing temperature and also inside office
Replies: 35
Views: 2171

Re: keeping warm in outside windy, freezing temperature and also inside office

This is one of the rare wardrobe-related areas in which women have the advantage, IMHO. They can wear long coats and tall boots that meet in the middle as part of their workday winter wardrobe. I haven't seen many men who work in offices wearing tall boots -- looks kinda funny with a suit, I guess....
by Glockenspiel
Wed Jan 02, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8296

Re: Your ideal home size

I currently own 2,900 square feet (including finished basement) for 2 adults and 2 children. Maybe 3,000-3,500 square feet of more useful space would be ideal for my family. I would prefer a larger lot with a smaller home (to spend more time outdoors, and less time indoors), but unfortunately, most ...
by Glockenspiel
Wed Jan 02, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 1855

Re: Using less plastic

I would maintain that it's not as clear as you think. Cloth bags should be cleaned from time to time otherwise it has been documented that they build up high levels of bacteria. Not something you want to put your food in. Here cleaning is with water imported and pumped up hill for hundreds of miles...
by Glockenspiel
Wed Jan 02, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: keeping warm in outside windy, freezing temperature and also inside office
Replies: 35
Views: 2171

Re: keeping warm in outside windy, freezing temperature and also inside office

Hi Asking for help from east coasters :-) I live in north california where for a few months its cold and windy (does drop below freezing). I tend to wear jeans and i'll wear thermals underneath. works okay though still feel cold (i hate cold weather :-)). Now, when I go inside office its all warm a...
by Glockenspiel
Wed Jan 02, 2019 9:09 am
Forum: Investing - Theory, News & General
Topic: Any reason for optimism?
Replies: 81
Views: 3064

Re: Any reason for optimism?

If you're rich, yes, there is good reason for optimism, because you're paying some of the lowest tax rates of anyone with similar means in the developed world.
by Glockenspiel
Wed Jan 02, 2019 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value - move money out of VSIAX?
Replies: 13
Views: 1409

Re: Small Cap Value - move money out of VSIAX?

In my investment policy statement, I have a certain percentage of my equities in small cap value, because I believe over the long haul these companies may provide a slightly better return and provide some re-balancing opportunities. I'm not here to debate the merits of my thinking. Currently, all m...
by Glockenspiel
Wed Jan 02, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 1855

Re: Using less plastic

I would maintain that it's not as clear as you think. Cloth bags should be cleaned from time to time otherwise it has been documented that they build up high levels of bacteria. Not something you want to put your food in. Here cleaning is with water imported and pumped up hill for hundreds of miles...
by Glockenspiel
Sun Dec 30, 2018 12:20 am
Forum: Personal Consumer Issues
Topic: Must sees in Kauai.
Replies: 39
Views: 2387

Re: Must sees in Kauai.

The hike to the hanakaipai falls was a once in a lifetime experience for me. Helicopter tour of the island was amazing. Mahaulepu beach was very desolate and beautiful. It was amazing having this huge amazing beach to ourselves. Waimea canyon, and the overlooks of the Napali coast were incredible as...
by Glockenspiel
Fri Dec 28, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7299

Re: Nice jeans for work with lowest average cost of ownership

American Eagle dark wash flex fit are super comfortable ( stretchy), and inexpensive. Regular price is around $40-$50 but there are always sales going on. You should be able to pick up a pair for around $30. They are stylish, young looking, and will last you a long time.
by Glockenspiel
Mon Dec 24, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10156
Views: 1788233

Re: U.S. stocks in free fall

I rebalanced into bonds when the market was down about 3% off its high. Now my IPS is close to breaking the threshold for me to rebalance back into international and small cap stocks.
by Glockenspiel
Fri Dec 21, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Just another noob worrying about the crash
Replies: 32
Views: 3694

Re: Just another noob worrying about the crash

Remember when Sears had a huge advantage and COULD HAVE become the next Amazon, had they taken their great catalog business onto the internet? I remember that. Your investments are far too risky. What makes you think that Amazon's great business prospects aren't already baked into their stock price?
by Glockenspiel
Thu Dec 20, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10156
Views: 1788233

Re: U.S. stocks in free fall

I've officially lost >$50,000 this year, which is probably close what my salary is after-taxes/deductions are taken out. Not a great feeling, but I'm confident in staying the course, as I have 20-25 years to retirement.
by Glockenspiel
Thu Dec 20, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Does the national debt affect your investing strategies?
Replies: 21
Views: 1295

Re: Does the national debt affect your investing strategies?

It doesn't affect my investing strategies, but it DOES affect who I vote for, and the principles I have in giving my children the best life possible.
by Glockenspiel
Wed Dec 19, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5883

Re: Kid schooling - not learning much academically. Looking for suggestions.

That is not to say we shouldn't do better. I think we should. On average we are lagging, but I generally think that is not about accelerating the top end (it's capped) but pulling up the bottom end of the spectrum. I'm not sure we've ever consistently lead in the global education metrics, however. ...
by Glockenspiel
Wed Dec 19, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5883

Re: Kid schooling - not learning much academically. Looking for suggestions.

We have looked at public schools. The general comments I received from other parents are "public schools goal is to bring less able students to certain acceptable level". You should ask some different parents. 90% of Americans go to public school. I went to public school all my life and went to Pri...
by Glockenspiel
Wed Dec 19, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 5883

Re: Kid schooling - not learning much academically. Looking for suggestions.

For example, they are teaching counting 1 to 10. But, he can count to over 100. In analogies for critical thinking, we teach him at home using a book for grades 1 to 2. 5- and 6-year olds are learning how to count to 10? My 3-year old is now counting to 40, so I hope I'm not in the same boat as you...
by Glockenspiel
Tue Dec 18, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Are limit orders an attempt at timing the market?
Replies: 14
Views: 986

Re: Are limit orders an attempt at timing the market?

I normally use limit orders to buy ETFs, but usually I set the price at 99.9% of the current price. So if an ETF is currently trading for $200.00, I'll set the price for $199.80 (or something close to that). They almost always execute the same day, if I submit the trade in the morning. I'm not one t...
by Glockenspiel
Tue Dec 18, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10156
Views: 1788233

Re: U.S. stocks in free fall

Just before the December 18th opening, futures are up. Up 138 for the Dow, up 15 for the S&P 500, and up 36 for NASDAQ. Hopefully we will find a bottom here but no way to know. With the President spouting off about the Federal Reserve hiking rates, I think it's causing a lot of instability and decr...
by Glockenspiel
Tue Dec 18, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 5948

Re: Is Liquid Plumber / Draino bad for the pipes?

Yes. It would be the very last resort for me, especially with PVC pipe plumbing. Try a zip-it, a plunger, baking sode/vinegar/very hot water.
by Glockenspiel
Tue Dec 18, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10156
Views: 1788233

Re: U.S. stocks in free fall

You say freefall and I say free fall, You say downdraft and I say down draft Free fall, freefall, down draft, downdraft Let's call the whole thing off. Is free fall/freefall one of those words that is spelled differently depending on who you're talking to? In my specialized industry, I use the term...
by Glockenspiel
Tue Dec 18, 2018 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13138

Re: Is anyone's portfolio not tanking???

Our portfolio has gone down $43,000 from it's high point earlier this year. I'm still 20-25 years from retirement. Just hold tight, as long as you have enough in safe investments/CDs/or cash to last you the next 2-5 years.
by Glockenspiel
Mon Dec 17, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8170

Re: When has being frugal or cheating out bit you in the rear?

Taking a layover on a flight, not buying a beer at a sporting event ($9-$10!), opting for cheaper tickets at a theater production, flying at inconvenient times to save money, going to the less expensive restaurant instead of the more expensive restaurant.
by Glockenspiel
Mon Dec 17, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 5726

Re: How much do you pay for cable/internet/cellphone

$142 for Comcast cable TV + a high speed (not sure how many Mbps) internet package. $11/month for Netflix. Cell phone bill just went from $74/month to ~$140/month for 2 iPhones with a combined data plan of 2 Gb/month, because we just upgraded from our iPhone 6s (getting slow and sick of the poor cam...
by Glockenspiel
Sun Dec 16, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 19429

Re: I made a mistake by not selling when the market was high this year

Just make sure your asset allocation is ok and then stay the course through thick and thin. The top balance for us this year was 529k. We are now at 478k. It doesn't bother me. That is a spread of 51k. We have a healthy amount of cash and the rest is Total Stock and Total International at world mar...