Search found 6238 matches

by stoptothink
Sun Nov 17, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6529

Re: Can you guess what this ranked list of colleges is?

Why does one go to college? To make money or to gain an education? Or both? If both, what are the percentages for each goal? Such clarifying questions hopefully would lead to a school choice consistent with one's goals. Or am I misunderstanding the purposes & goals of this article? Money . 'Educati...
by stoptothink
Sun Nov 17, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 38
Views: 3591

Re: Disney plus streaming deal

I did the $3.92/month deal because it was too good of a price to pass up. That being said, I haven't done Netflix or any other streaming service because I don't like them. I hate recurring bills and avoid them if at all possible. I prefer to grow my DVD collection (it's at about 350 movies now, so ...
by stoptothink
Sun Nov 17, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 38
Views: 3591

Re: Disney plus streaming deal

I did the $3.92/month deal because it was too good of a price to pass up. That being said, I haven't done Netflix or any other streaming service because I don't like them. I hate recurring bills and avoid them if at all possible. I prefer to grow my DVD collection (it's at about 350 movies now, so ...
by stoptothink
Sat Nov 16, 2019 7:27 pm
Forum: Personal Consumer Issues
Topic: AWD Camry
Replies: 13
Views: 1454

Re: AWD Camry

AWD is cool and all, but I'd pretty much avoid it unless you're in a climate that receives a lot of rain and/or really bad weather all the time. AWD systems add to the bottom cost of the vehicle, are more complex systems that cost more to repair when they break, consume more gas, and even in bad we...
by stoptothink
Sat Nov 16, 2019 12:32 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 139361

Re: Post your Financial Milestone Announcements Here

With the rise in the markets today, my investments have exceeded 500k. :sharebeer For some perspective almost 3 years to the date I reached 250k invested. Congrats. Back of napkin math, I believe ours went over $750k yesterday, so with home equity we are flirting with 2-comma status. 7yrs ago I was...
by stoptothink
Sat Nov 16, 2019 7:46 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1027
Views: 139361

Re: Post your Financial Milestone Announcements Here

With the rise in the markets today, my investments have exceeded 500k. :sharebeer For some perspective almost 3 years to the date I reached 250k invested. Congrats. Back of napkin math, I believe ours went over $750k yesterday, so with home equity we are flirting with 2-comma status. 7yrs ago I was...
by stoptothink
Fri Nov 15, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Bigger car for baby?
Replies: 62
Views: 2617

Re: Bigger car for baby?

+1 You don't need the sedan to fit more than a driver and baby as you can all fit in the SUV. It is one months salary for the OP. :oops: For safety's sake they should upgrade from the 2008, small vehicle. He said he doesn't like to buy things he doesn't need. He doesn't need it. Of course he can af...
by stoptothink
Fri Nov 15, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 115
Views: 7856

Re: Best thing you have ever bought?

$500 for the engagement ring for my wife...the $7k ring for the first wife is arguably the worst thing I ever bought (besides her undergrad and DDS education).
by stoptothink
Fri Nov 15, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3476

Re: Snow tires

People seem to forget that AWD or 4wd doesn't help when it comes to stopping. When it snows, it exacerbates poor driving skills and causes more accidents and traffic delays. You also forgot to mention, every mile one puts on their set of winter tires is one less mile put on their other tires (which...
by stoptothink
Fri Nov 15, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6529

Re: Can you guess what this ranked list of colleges is?

I have a hard time believing that anybody in this day-and-age who didn't grow up in the socioeconomic elite (or is in a different situation, like a senior or SAHP doing it for fun) honestly pursued a college degree for the "experience" or "education" and not to improve career/income prospects.They ...
by stoptothink
Fri Nov 15, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6529

Re: Can you guess what this ranked list of colleges is?

I have a hard time believing that anybody in this day-and-age who didn't grow up in the socioeconomic elite (or is in a different situation, like a senior or SAHP doing it for fun) honestly pursued a college degree for the "experience" or "education" and not to improve career/income prospects.They ...
by stoptothink
Thu Nov 14, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6529

Re: Can you guess what this ranked list of colleges is?

I have a hard time believing that anybody in this day-and-age who didn't grow up in the socioeconomic elite (or is in a different situation, like a senior or SAHP doing it for fun) honestly pursued a college degree for the "experience" or "education" and not to improve career/income prospects.They ...
by stoptothink
Thu Nov 14, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6529

Re: Can you guess what this ranked list of colleges is?

Why does one go to college? To make money or to gain an education? Or both? If both, what are the percentages for each goal? Such clarifying questions hopefully would lead to a school choice consistent with one's goals. Or am I misunderstanding the purposes & goals of this article? Prior to WW2, it...
by stoptothink
Thu Nov 14, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Bigger car for baby?
Replies: 62
Views: 2617

Re: Bigger car for baby?

Buying a new car because 1 infant car seat is too big :shock: ? We had an infant and a toddler simultaneously in one of the smallest cars sold in the U.S. ('09 hyundai accent 3-door hatch) and had zero issues for 3yrs. Unless you really want/need a new car, get a new car seat.
by stoptothink
Thu Nov 14, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3476

Re: Snow tires

You can get a full set of snows on rims for under $500. Kinda wish insurance offered discounts so more people would consider the investment. $500? Please post a link. Last I checked it was more like $1k. But I definitely agree it still seems worth it if you are driving in cold weather. I just bough...
by stoptothink
Thu Nov 14, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Study ranks 4,500 colleges by net present value of 40 year ROI
Replies: 52
Views: 6529

Re: Can you guess what this ranked list of colleges is?

This list is an indirect way of showing in which majors higher education pays off. Only a few liberal arts schools on the list, and those only from the top tier. No surprise to me. Me either. For a long time now, the lion's share of the benefit of a college education has been in medicine, STEM, bus...
by stoptothink
Thu Nov 14, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3476

Re: Snow tires

I put Toyo Celsius on our last 2 cars. Mixed driving, year round. Very quiet, smooth and 60k treadwear. Check out the specs and reviews. With the right tire you can avoid having 2 sets and the hassle of storing and swapping. https://www.toyotires.com/tire/line/celsius I would really like to try all...
by stoptothink
Thu Nov 14, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 3476

Re: Snow tires

Do you have them studded? In IL studs are illegal unfortunately so I can't comment on the studs part. We got nokian wrg3's 2-3 years ago for our prius and we love them. My dad just put on the nokian wrg4's and likes them as well. We use them year round to avoid swapping tires. They are winter rated...
by stoptothink
Thu Nov 14, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 72
Views: 4635

Re: Are complicated credit card cash back strategies worth it?

I think they are only worth it if you were genuinely going to spend on the things anyway. I suspect a lot of people end up spending more than saving in order to hit the minimum spend required to get those fat bonuses. There might only be a few months every few years that I can hit $5,000 in spend e...
by stoptothink
Thu Nov 14, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Wealth Effect?
Replies: 10
Views: 1223

Re: Reverse Wealth Effect?

I've lost the majority of my life savings twice early in life (real estate crash and divorce), I have no interest in going through that again. As we have increased our wealth, the wife has definitely opened up spending, but it has had the opposite effect on me.
by stoptothink
Thu Nov 14, 2019 9:52 am
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 14771

Re: Spend It All vs. Leave $$ for the Kids

Spend as much as you want, and leave the rest to charity. The problem with inheritances is that they create an unlevel playing field in society (which is unearned by the beneficiaries to the detriment of those that don't have the same). This is why I respect "new money" instead of "old money" peopl...
by stoptothink
Wed Nov 13, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: Saving for a new vehicle
Replies: 36
Views: 3201

Re: Saving for a new vehicle

Buy an inexpensive car: https://alephblog.com/2014/10/08/buying-an-inexpensive-car/ Bought a 5 year old car with a salvage title for over $10k (back in 2014) - I don't really thinks that's a great purchase. Sure its cheaper than a brand new car, but over the car's lifespan - not by that much. Plus ...
by stoptothink
Wed Nov 13, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Bring A Trailer (car auction website)
Replies: 18
Views: 1918

Re: Bring A Trailer (car auction website)

I subscribe to and really enjoy BAT's... BAT can be pretty addicting . BAT has received favorable publicity from... The site's founder has been quoted as an expert on auto market trends... For only $350, ...take a couple hundred beautiful photos of your car... Buyers pay a 5% commission - a bargain...
by stoptothink
Wed Nov 13, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11175

Re: Saving seats on Southwest

BogleMelon wrote:
Wed Nov 13, 2019 12:37 pm
I don't get the thread, I was under the impression that the check-in agent/machine is the one/thing that decides your seat number and it is printed on the boarding pass!
Is SW following a different protocol? Sorry for the stupid question.
Yes, there are no assigned seats with SW.
by stoptothink
Wed Nov 13, 2019 12:06 pm
Forum: Personal Investments
Topic: How to combine finances with your spouse? Recently married/early30s
Replies: 72
Views: 4746

Re: How to combine finances with your spouse? Recently married/early30s

It sounds like your protecting your savings while you test out the waters? If your not comfortable putting his name on the account to, don’t get married. Couples today often approach marriage in a much different way. High divorce rates can make this a reasonable approach if both agree. Not how we d...
by stoptothink
Wed Nov 13, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Online MBA - Worth It?
Replies: 26
Views: 1641

Re: Online MBA - Worth It?

I have no idea how someone with an online MBA gets hired. I think the only way an online program makes sense is if it is a pre-req for a promotion with your current employer. 2 of my 4 managers are currently doing part-time MBAs (1 executive and 1 online), both partially subsidized by the company a...
by stoptothink
Wed Nov 13, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 31
Views: 2446

Re: Apple TV vs Competitors

I've owed 4 apple tvs so far as well as amazon fire stick, fire tv, google chromecast and a roku stick. Even though it's much more expensive I will only use the apple tvs. They are far more reliable in streaming content as well as just working. My 2nd generation apple tv which is probably 8 years o...
by stoptothink
Wed Nov 13, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Online MBA - Worth It?
Replies: 26
Views: 1641

Re: Online MBA - Worth It?

Nope, an online MBA would not be worth it. They are cash cows for strapped institutions. In reality most MBAs are a waste of time and money. There is a glut of grads out there who can't get relevant jobs. Too many have been produced. Not enough jobs exist. Google MBA. The good MBAs are listed, thos...
by stoptothink
Tue Nov 12, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - ACH to/from a "Protected Goal" account
Replies: 21
Views: 1192

Re: Simple Bank - ACH to/from a "Protected Goal" account

Who cares? Same day transfer to the save to spend and ach pull from the safe spend. I already collected my money with bonus and closed the account This. Simple has one of the worst on-line banking platforms I’ve seen. Opened an account solely for the bonus about 2wks ago. I have to agree, the platf...
by stoptothink
Tue Nov 12, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3502

Re: Ally savings rate changing

I have my EF at Comenity Bank (FDIC), its getting 2.13%. It started at 2.49% and has gone down-- of course, but still way ahead of all the common ones mentioned, especially Ally. I have been researching non-CDs lately. If mine goes <2%, I will do something else. Recently moved over $10k to Simple B...
by stoptothink
Tue Nov 12, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3502

Re: Ally savings rate changing

Probably going to liquidate a big chunk of my EF (currently sitting in Ally savings) and put it towards the mortgage. Even with a low mortgage rate, it's hard to swallow having money sitting their making <2% and I'm still not ready to dip my toe in taxable. Emergency Fund is supposed to remain in l...
by stoptothink
Tue Nov 12, 2019 6:19 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3502

Re: Ally savings rate changing

Probably going to liquidate a big chunk of my EF (currently sitting in Ally savings) and put it towards the mortgage. Even with a low mortgage rate, it's hard to swallow having money sitting their making <2% and I'm still not ready to dip my toe in taxable.
by stoptothink
Tue Nov 12, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 61
Views: 4488

Re: Homebuying in Los Angeles - Advice Needed

2) Paying $5k rent for a $1.25M house is 0.4%/mo. The rule of thumb for landlords is 1% a month is a deal worth looking at because it's potentially cash flow positive. At 0.4% I'm reasonably sure LA landlords are cash flow negative. So basically, you are ripping off a landlord by renting, but that'...
by stoptothink
Tue Nov 12, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 61
Views: 4488

Re: Homebuying in Los Angeles - Advice Needed

Not in my experience. If I’m “throwing away” less money on mortgage interest and taxes than on rent, then buying is the better deal. Possibly, to you , but that's a terrible metric when making comparisons across the country. In most markets, renting will be significantly more expensive than PITI on...
by stoptothink
Tue Nov 12, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 61
Views: 4488

Re: Homebuying in Los Angeles - Advice Needed

Not sure why people are saying $5k rent on $1.25M is a steal. By my calculations, PITI on a $1M mortgage is only $6k. Buying is the steal. Usually rent is higher than PITI, which is why 5k is a “steal” in relative terms. Not in my experience. If I’m “throwing away” less money on mortgage interest a...
by stoptothink
Tue Nov 12, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 61
Views: 4488

Re: Homebuying in Los Angeles - Advice Needed

Not sure why people are saying $5k rent on $1.25M is a steal. By my calculations, PITI on a $1M mortgage is only $6k. Buying is the steal. Usually rent is higher than PITI, which is why 5k is a “steal” in relative terms. Not in my experience. If I’m “throwing away” less money on mortgage interest a...
by stoptothink
Tue Nov 12, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7559

Re: Do you charge your employer for the time that you spend working on your off days?

Burn out? It's a bit dramatic, don't you think? 60-70 hours week is no where near the peak. The OP has not reached 90-100 hours week, nor has to have 2-3 jobs. How does he expect to get his boss' boss' job, if he doesn't show the drive to get the work done, regardless of the hours or timing? Nowher...
by stoptothink
Tue Nov 12, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Hi Def Audio listening
Replies: 22
Views: 1241

Re: Hi Def Audio listening

We recently bought a high end TV and wanted to upgrade our circa 2004 home theater system. My son, who is pretty knowledgeable of audio, suggested I call Crutchfield, https://www.crutchfield.com/S-8Hh3PVYFEoQ/. They are a VA based company who sells audio/video products. He said to tell them what I ...
by stoptothink
Mon Nov 11, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Job negotiation 101?
Replies: 14
Views: 965

Re: Job negotiation 101?

In my experience "exciting stuff" and "higher ed IT" really don't go together unless you just love getting yelled at by technically inept faculty who can't remember their password. +1 and I have two good friends that are in "IT support" for two local universities, they make less than half of what O...
by stoptothink
Sun Nov 10, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11175

Re: Saving seats on Southwest

I have seen individuals save seats, and it is annoying, but so are many other quirks of travel. On a scale of 0 - 10, 0 being the least impactful, 10 being the worst, I will give saving seats around a .25 +1. Remember, we're on a board where someone suggested they were going to go to a neighbor's o...
by stoptothink
Sun Nov 10, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11661

Re: New Job, Depressed, Money issues

Despite all BH advise to stick to my current job, I've decided to quit. and called the other company and they sent me the offer letter which I accepted. It was pushing my limits and abilities (they were asking me to automate stuff with code every other day which I cant deliver). sorry I tried my be...
by stoptothink
Sun Nov 10, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: Underwater Car Loans
Replies: 38
Views: 2294

Re: WSJ: Underwater Car Loans

This is a sensational title since literally every new car loan is essentially 'underwater' at the time of origination due to the rapid depreciation of new cars. Financing a car is not always terrible as portrayed here and can allow leverage of zero or low interest loans for a good you were planning...
by stoptothink
Sun Nov 10, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 10508

Re: Seller's agent not letting us use a buyer's agent

I ended up paying my attorney less than 1% of the agreed price. Add in a licensed, bonded property inspector, who worked for me and not anybody else, and it was just about one percent total. PJW Wait you paid your attorney a % based on sale price? Why? Did he do anything agent related? I’ve never s...
by stoptothink
Sun Nov 10, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2825

Re: House for Sale--How Much to Tell Potential Buyer

.......my neighborhood has very early trash pick up twice a week at 5am and it is LOUD. ..... Maybe it's different by state? OMG. I can't believe what I am reading here. 5 am? Why are you putting up with this abuse? Do you live in some unincorporated area, i.e., no local regs or ordinances within y...
by stoptothink
Sat Nov 09, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: House for Sale--How Much to Tell Potential Buyer
Replies: 35
Views: 2825

Re: House for Sale--How Much to Tell Potential Buyer

.......my neighborhood has very early trash pick up twice a week at 5am and it is LOUD. ..... Maybe it's different by state? OMG. I can't believe what I am reading here. 5 am? Why are you putting up with this abuse? Do you live in some unincorporated area, i.e., no local regs or ordinances within y...
by stoptothink
Sat Nov 09, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4693

Re: How bad business travel is?

Early in my career, I loved to travel. Later, I came to despise it. In fact, it's one reason I decided to retire early. So, really, you'll never know until you try it. I honestly don't know a single person in real life who actually does regularly travel for work that enjoys it. It sounds kinda cool...
by stoptothink
Sat Nov 09, 2019 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7559

Re: Do you charge your employer for the time that you spend working on your off days?

I would happily devote some extra time to help out a boss. It seems like a small investment to gain some "executive air cover". As other mentioned, get some time back with the occasional long lunch, leaving early on Friday's, etc. if the culture allows it. A lot of places are fine with this. I help...
by stoptothink
Sat Nov 09, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: high savings rate in Bay Area w/ kids
Replies: 3
Views: 461

Re: high savings rate in Bay Area w/ kids

I’m genuinely curious how current high income families living in or just outside San Francisco or Sunnyvale manage the HCOL and build wealth. I want to avoid hyperbole, anti-CA rants, or opinions from people that never lived in CA. What I want is actionable advice for a hypothetical family with a s...
by stoptothink
Sat Nov 09, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Acura TLX owners
Replies: 17
Views: 1488

Re: Acura TLX owners

wander wrote:
Sat Nov 09, 2019 7:23 am
If you don't have to deal with snow, then you can skip the AWD.
Even if you do, snow tires are likely cheaper (and more effective) than AWD.
by stoptothink
Sat Nov 09, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7559

Re: Do you charge your employer for the time that you spend working on your off days?

I think perhaps it's time to request comp time since I am not paid any extra for responding to these calls and texts. Would it be out of line to approach my boss with this idea? It depends on the culture. You can maybe get away with long lunches, getting your car worked on, doctor's appointments, d...