Search found 1010 matches

by Thegame14
Mon Jun 24, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Pistachio and Salmon?
Replies: 16
Views: 1272

Re: Best place to buy Pistachio and Salmon?

once or twice a year, one of them being before Christmas, Christmas Tree Shops sells the pistacios that are regularly $8.99-9.99 for $3.99 I think limit is 10 and every year I buy 10. They are the name brand ones too. Even $9.99 sounds like a great price if these are shelled Pistachios, because the...
by Thegame14
Mon Jun 24, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Pistachio and Salmon?
Replies: 16
Views: 1272

Re: Best place to buy Pistachio and Salmon?

once or twice a year, one of them being before Christmas, Christmas Tree Shops sells the pistacios that are regularly $8.99-9.99 for $3.99 I think limit is 10 and every year I buy 10. They are the name brand ones too.
by Thegame14
Mon Jun 24, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 100
Views: 7501

Re: Frugal or cheap?

Id wait and keep saving which you are doing a incredible job by the way, then wait for kids to arrive, and see what needs arise, and then buy a new house. You could spend the $100K now and then realize after kids, what you "needed" was a want, and now what you "need" you don't have..
by Thegame14
Mon Jun 24, 2019 12:57 pm
Forum: Personal Investments
Topic: Stashing cash for a home purchase in 10 years
Replies: 15
Views: 1186

Re: Stashing cash for a home purchase in 10 years

Id prob do Cd's, and ID prob lock in 5 years since Fed is talking about lowering rates for the next year or two, then I would wait for this supposed correction, and then adjust to 50% cd's, with lesser maturity dates as you approach needing the money, and the rest in a target date fund for the year ...
by Thegame14
Sat Jun 22, 2019 11:36 pm
Forum: Personal Investments
Topic: Scared about investing large amount of money
Replies: 24
Views: 2366

Re: Scared about investing large amount of money

Id park that 300K in money market and take the 2.5% right now, and wait it out, if the supposed recession happens and stocks go down 20-30% then you can use this "found money" to jump in, also if the supposed recession that is bound to happen doesnt happen, that you are still good since you max out ...
by Thegame14
Sat Jun 22, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wife considering returning to work
Replies: 31
Views: 3187

Re: Wife considering returning to work

I think it makes sense, but only if you dont get used to the new money and increase your spending. Also wife can take advantage of haing the baby, taking disability at 60% of pay for 3 months, then vacation time, so that could be antoher 3-5 moinths of pay even though she wouldnt be actually working.
by Thegame14
Wed Jun 19, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: When is it worth complaining about work done at your home
Replies: 9
Views: 1331

Re: When is it worth complaining about work done at your home

Id call the company, let them know what happened and see their reply. If they fix it great, if not bad review on yelp
by Thegame14
Mon Jun 17, 2019 11:00 pm
Forum: Investing - Theory, News & General
Topic: A thought on mortgage payoff vs investing
Replies: 27
Views: 2940

Re: A thought on mortgage payoff vs investing

everyone has different risk tolerances and debt tolerances, so while some advice may be best overall, it applies to each of us differently and our situations differently. You have to do what is best for you, and your situation.
by Thegame14
Mon Jun 17, 2019 10:53 pm
Forum: Personal Investments
Topic: Investment question for 76 year old mom
Replies: 19
Views: 1306

Re: Investment question for 76 year old mom

if she has almost 1M in savings, and needs about 20K in income, she should park that 1M in savings into a money market, most are around 2.25-2.5% which is around 22-25K in income and basically no risk, so that seems like the best option for if she is very risk averse, other wise 50/50 stocks bonds a...
by Thegame14
Mon Jun 17, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 90
Views: 4987

Re: How to avoid high vet bills?

that isn't just a wellness visit, the vet did two tests, that is perfectly reasonable cost for a vet visit with two tests done.
by Thegame14
Mon Jun 17, 2019 11:01 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 3970

Re: Advice for young married couples: PLEASE HELP!

Hi, OP. I am interested in what you think about shared financial decision making. In particular, what happens if one spouse wants to make a financial purchase, but it is opposed by the other spouse? Let's say I want to buy a new car and believe it is necessary. However, wife thinks I do not need to...
by Thegame14
Mon Jun 17, 2019 9:10 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 3970

Re: Advice for young married couples: PLEASE HELP!

Also couples should take advantage to stay home as long as they can, have an emergency fund, put 20% down to buy a house, and be on the same page with saving/spending. We do separate accounts, but that works for us, others do joint and that works for them, as long as spending is fair, even and after...
by Thegame14
Mon Jun 17, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: used car advice
Replies: 20
Views: 1503

Re: used car advice

check car faxes, it may have been in an accident, or could have been in a flood.
by Thegame14
Mon Jun 17, 2019 8:37 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 3970

Re: Advice for young married couples: PLEASE HELP!

The number one money advice is the biggest money mistake you could ever make is marrying the wrong person, divorce costs you more than 50% of everything....
by Thegame14
Sun Jun 16, 2019 4:17 pm
Forum: Personal Investments
Topic: Where to Invest 2k - 4k a month
Replies: 12
Views: 1470

Re: Where to Invest 2k - 4k a month

if the HSA is NOT use it or lose it, which I assume it is, you should first max that out, then the rest use to max out the 401K up to the yearly limit, if anything else is left, either pay off debt or invest in taxable. If doing taxable, Id suggets VTSAX or BRK-B
by Thegame14
Sun Jun 16, 2019 4:15 pm
Forum: Personal Investments
Topic: Selling Business for 2.5 Million - Where to go NEXT?
Replies: 61
Views: 4276

Re: Selling Business for 2.5 Million - Where to go NEXT?

congrats!!! First I would pay off the mortgage, set aside for taxes, and the rest into Money market to start with. thats should be around $18M in money market, that will generate around $45K a year in interest. Next you need to identify what you will do nexgt for work, it isnt enough to FIRE, and yo...
by Thegame14
Thu Jun 13, 2019 11:13 pm
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3215

Re: Starbucks; buy, sell, hold?

I have purchased Starbucks coffee in the past, there is one on almost every street corner in Chicago. However, I much prefer "dark roast" coffee from local coffee shops, local roasters. However, the local Starbucks always seems to be busy. You may want to consider reducing your position a bit. ever...
by Thegame14
Thu Jun 13, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 2643

Re: Professional work titles

I have a "fancy" title, Controller, and make $101K in VHCOL area, so I will trade title for your salary anyday....
by Thegame14
Thu Jun 13, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3811

Re: Tips for new pet owner

We are getting a puppy in couple of weeks and even though I am very happy for the new addition I cant help but be a little concerned about doctor and medical cost and other cost of new puppy. So wanted a few tips in that regard: - How much should I expect to pay for a doctor visit on an average? - ...
by Thegame14
Wed Jun 12, 2019 12:01 am
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 73
Views: 7076

Re: Anything you wish you had spent money on when you were younger?

when I was in college and took an investing class and a crazy classmate told me to invest in apple when all of us were talking about Dell being best in class while apple was $2 a share..... could have spent some money there...
by Thegame14
Tue Jun 11, 2019 11:49 pm
Forum: Personal Investments
Topic: Please help evaluate job offer
Replies: 8
Views: 966

Re: Please help evaluate job offer

I assume that means you want to have at least one more child, so might as well stay and take advantage of the generous maternity leave policy and vest in the pension and then if something comes along in the future, evaluate it then...
by Thegame14
Tue Jun 11, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: What should we do next?
Replies: 13
Views: 1316

Re: What should we do next?

ID put more in 401K to get the tax break.
by Thegame14
Mon Jun 10, 2019 3:07 pm
Forum: Personal Investments
Topic: Receiving windfall and not sure what to do
Replies: 26
Views: 3679

Re: Receiving windfall and not sure what to do

If it were me, I'd pay off all of that debt first and foremost, especially since the OP's work retirement accounts seem very unattractive. By "all of that debt" do you mean my $15,000 student loans and mortgages? Yes. Guaranteed after-tax returns ranging from 3.875% to 5% seem like a solid choice t...
by Thegame14
Mon Jun 10, 2019 1:29 pm
Forum: Personal Investments
Topic: Receiving windfall and not sure what to do
Replies: 26
Views: 3679

Re: Receiving windfall and not sure what to do

Use patience and take your time, All the time you need to make the right decisions for yourself. It can take a year minimum to sort out financial matters of a loved one. :thumbsup Agreed. Sorry for your loss. Take a look at managing a windfall from the wiki: https://www.bogleheads.org/wiki/Managing...
by Thegame14
Sat Jun 08, 2019 5:33 pm
Forum: Personal Investments
Topic: Receiving windfall and not sure what to do
Replies: 26
Views: 3679

Re: Receiving windfall and not sure what to do

Sorry for your loss. Id sell the stock and payoff the student loans. then Id take the $300K, and payoff the rental mortgage. Id use the rest to boost emergency fund up to 6 months and then keep the rest in money market, as a bankroll, because you don't seem to have much in 401K, so id max the $19K p...
by Thegame14
Thu Jun 06, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Debt: Student loan or cabin
Replies: 36
Views: 2807

Re: Debt: Student loan or cabin

is lake cabin primary home or investment?

Either way stil student loans, as they are a higher rate, also they can be paid off faster so then once they are paid off those payments can be added to the debt allocation to pay down cabin faster
by Thegame14
Thu Jun 06, 2019 10:44 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 5519

Re: How would you invest a lump sum of 3 million dollars in today's market?

not enough information. Do you rent, own a house? What part of the country are you in? $3M in SF doesn't get you much but $3M in rural texas and you can probably retire now. Do you want to buy a house, get married, have kids? do you work? how much do you make, do you have any other assets, 401K? wha...
by Thegame14
Wed Jun 05, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4778

Re: Company requiring salaried employees to clock in?

my boss is a freak about start time, not just have to be in the office by 9AM and If you are a minute last you are to text him, he wants you in your seating working at 9AM, not getting your coffee or talking to co-workers.

To me if you have nothing to hid it wouldn't bother me.
by Thegame14
Wed Jun 05, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2636

Re: Any TV guys out there?

livesoft wrote:
Tue Jun 04, 2019 11:49 am
I wouldn't buy a TV less than 75 in nowadays. Don't forget that your eyesight gets worse as you age, so plan for that.
Is this TV big enough for you?

https://www.businessinsider.com/samsung ... -tv-2019-1
by Thegame14
Wed Jun 05, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 1685

Re: Resort vacation w/ 6 month old...?

I wouldn't do it because too many crazy anti-vaxxers out there and measles is occurring at record rates. I do think you would enjoy it, and especially that age is a lot better than a 2-4 year old would be, but my concern would be that baby not having all its vaccines yet.
by Thegame14
Tue Jun 04, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 2996

Re: Solar - when replacing roof?

Concerning your point on leasing panels I agree. When shopping for homes about 6 months ago we specifically would not visit homes that had solar leases. Under no circumstances would I buy a house with a solar lease. Based on what I heard it depresses the value of a home. A huge negative. This makes...
by Thegame14
Tue Jun 04, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2636

Re: Any TV guys out there?

I have the 49" version of this tv and it's great. As far as sizing, how far is it from your seating area to the tv? Crutchfield has a nice article explaining optimum tv size/viewing distances. https://www.crutchfield.com/S-tnEogl4ksxc/learn/learningcenter/home/TV_placement.html we have to decide if...
by Thegame14
Tue Jun 04, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2636

Re: Any TV guys out there?

That Samsung 8 series is a nice TV. How much of a discount are you getting it for? https://www.costco.com/LG-55%22-Class-(54.6%22-Diag.)-4K-Ultra-HD-LED-LCD-TV.product.100488669.html This is $429 this week at Costco. Pretty good specs for the price. My in-laws bought this LG. I told them to get a 6...
by Thegame14
Tue Jun 04, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2636

Re: Any TV guys out there?

we have a 46 inch at home and wife is barely on board getting the 55", we are in our 30's so not worried about eyesight during the life of this TV, plus it is costing us $400 including the cable.
by Thegame14
Tue Jun 04, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2636

Re: Any TV guys out there?

we aren't buying it from Best buy, someone in town bought it from there 5 months ago but now wants a bigger TV, so selling it to use at a reduced price.
by Thegame14
Tue Jun 04, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8247

Re: Costco or Sam's Club?

we have a BJ's Warehouse membership, their hours are MUCH better, Costco is so crowded because their hours are so limited, that is less time to spread among their customers.
by Thegame14
Tue Jun 04, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 45
Views: 3543

Re: Being given charity that I don't need

how about tip her the difference?
by Thegame14
Tue Jun 04, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2636

Any TV guys out there?

What do you think of a 55" Samsung 4K UHD TV. smart TV Model:UN55RU8000FXZA

https://www.bestbuy.com/site/samsung-55 ... Id=6323718
by Thegame14
Tue Jun 04, 2019 10:03 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7374

Re: Do you regret taking a pay cut for quality of life?

this last round of being unemployed I had three offers first was in my town $100K, company was basically a startup. Didn't want to get involved with another startup, but commute would have been under 10 minutes and like 3 miles. Offer 2, basically a lawfirm, 45 minute commute, everyone seemed great,...
by Thegame14
Mon Jun 03, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 2996

Re: Solar - when replacing roof?

so then maybe 25 year performance warranty and 30 year warranty in on installation.
by Thegame14
Mon Jun 03, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 2996

Re: Solar - when replacing roof?

I did the math. It would take us 7 years to break even. Decided to hold off hoping costs will go down in the future. TravelforFun 7 years seems great when considering most residential solar systems are warrantied for 15-25 years... my system warrantied for 30 years and roof warranty for 50 years Ye...
by Thegame14
Mon Jun 03, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 2996

Re: Solar - when replacing roof?

I did the math. It would take us 7 years to break even. Decided to hold off hoping costs will go down in the future. TravelforFun 7 years seems great when considering most residential solar systems are warrantied for 15-25 years... my system warrantied for 30 years and roof warranty for 50 years
by Thegame14
Mon Jun 03, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6986

Re: Do you drive old cars for long distance travels?

wife and I debated this have a 19 year old car with 155K miles on it, but it gets 32MPG, wife has 5 year old car with 55K miles on it and is a SUV so more room, but only gets 17MGH, so when we travel the bigger car is nice to have extra room, but then only getting half the gas mileage and that adds ...
by Thegame14
Mon Jun 03, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 2996

Re: Solar - when replacing roof?

energy sage is a GREAT resource!!! The math has many factors, but for us it was something like this. TOtal cost New Roof $10K, upgrade electric panel $2,500, solar panels installed $27,500 for a total of $40K, of that $40K was got $10K back as a tax credit from the govt. That basically reduces our c...
by Thegame14
Mon Jun 03, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Invited to vacation house then surprised with expenses—what now?
Replies: 64
Views: 3706

Re: Invited to vacation house then surprised with expenses—what now?

what if you didn't go? Then it would be split based on who went? Then if no one goes, then what happens? It seems odd to me, can you wife talk to siblings and see what they think? I guess you have to pay it if you are going and then I wouldn't do it again.
by Thegame14
Sun Jun 02, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 10881

Re: How long have you been unemployed?

I hope you've had better luck with finding some sane companies since leaving these winners. Current job, boss is bipolar, sexist and racist. Has told me that he pays me enough that my wife should stay home wiht the kids. When I told him we were having a second baby, he said when. I said February, h...
by Thegame14
Sun Jun 02, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Consulting [How is consulting work done?]
Replies: 12
Views: 1603

Re: Consulting

I feel like everyone I speak to has done consulting at one point or another in their careers. How do I go about dining consulting work. I have 10+ years experience in medical device/healthcare/biotech sales. I did consulting through a recruiting firm in between full time jobs, one for income and tw...
by Thegame14
Sun Jun 02, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 10881

Re: How long have you been unemployed?

age 39, unemployed 3 times, first time working for startup, delayed surgery three times due to projeect deadlines, had Use it or lose it PTO I had to take, finally had surgery used PTO, when I came back was fired due to not working during vacation, was told I should have been answering emails and w...
by Thegame14
Sun Jun 02, 2019 1:05 am
Forum: Personal Investments
Topic: Do you regret taking a pay cut for quality of life?
Replies: 68
Views: 7374

Re: Do you regret taking a pay cut for quality of life?

this last time I was unemployed, I had three offers, one was a company that couldnt explain their business, so that was a pass, but literally 3 miles from home offer 100K, second offer 45 minute commute to undesireable area, pay $140K but HR talked about how people and family were most important but...
by Thegame14
Sat Jun 01, 2019 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 97
Views: 10881

Re: How long have you been unemployed?

age 39, unemployed 3 times, first time working for startup, delayed surgery three times due to projeect deadlines, had Use it or lose it PTO I had to take, finally had surgery used PTO, when I came back was fired due to not working during vacation, was told I should have been answering emails and w...