Search found 5133 matches

by stoptothink
Mon Apr 22, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 186
Views: 14445

Re: How much do you spend on food per month, per person?

See 2 posts above. The "science" is a matter of speech, although I am actually (by education and career) a nutrition and exercise scientist. If you are OK with eating the same things over and over again (which I naturally am, and which my wife and kids have become accustomed to), it doesn't take th...
by stoptothink
Mon Apr 22, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 186
Views: 14445

Re: How much do you spend on food per month, per person?

$500 per month per person in my family. ~$60-$75/month per person for a family of 4. We are not small people, I'm 6'1 ~200 and the wife is 5'8" 125, and we're both competitive athletes. Growing 7 and 4yr olds. We don't eat out ever and I've got grocery shopping down to a science. Would you please s...
by stoptothink
Mon Apr 22, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 186
Views: 14445

Re: How much do you spend on food per month, per person?

To be honest, I don't believe most of these numbers. So I'd appreciate if people could post a detailed breakdown of the meals and the cost of those meals they eat throughout, say, one day. How do you end up spending only $2 a day on food? Yesterday I had a simple meal. Oatmeal for breakfast, and be...
by stoptothink
Sun Apr 21, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 119
Views: 7497

Re: fun car advice

you can’t turn a Prius into a 2000lb rear wheel drive car. There’s also the factory turbo Mazdaspeed Miata if you want a bit more kick. I beg to differ https://www.youtube.com/watch?v=c2bknPS7YuQ No way that thing is 2,000lbs :mrgreen: Another point is that there are numerous v8 swap kits ready to ...
by stoptothink
Sun Apr 21, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 186
Views: 14445

Re: How much do you spend on food per month, per person?

~$60-$75/month per person for a family of 4. We are not small people, I'm 6'1 ~200 and the wife is 5'8" 125, and we're both competitive athletes. Growing 7 and 4yr olds. We don't eat out ever and I've got grocery shopping down to a science.
by stoptothink
Fri Apr 19, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 72
Views: 2757

Re: How far would you commute?

In a previous life I commuted up to 4hrs a day, for 1/4th the compensation I currently receive. Today, it would take a serious opportunity (at least double my current compensation) to get me to even consider commuting at all. Outside my family, the single greatest factor in my quality of life is my ...
by stoptothink
Fri Apr 19, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 54
Views: 2736

Re: College admission inputs - Purdue vs local SJSU vs others

Do you have the $ for your son to go to Purdue? If yes, and that is his first choice, I say let him go there. Sounds like both schools are excellent academically with strong networks and great opportunities upon graduation. My thinking is that I (the parent) are not the one going to classes, studyi...
by stoptothink
Fri Apr 19, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: How and when did you do it - to get to 1 Million
Replies: 82
Views: 16329

Re: How and when did you do it - to get to 1 Million

I'll be the first to use the "I" word. DW and I had parents who saved like they would live to 110, but didn't. We inherited it a bit more than a decade ago. Feels undeserved, but there it is. We haven't blown it all - yet! I have similar aspirations for my kids, although I hope to shock them a bit ...
by stoptothink
Fri Apr 19, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 54
Views: 2736

Re: College admission inputs - Purdue vs local SJSU vs others

Do you have the $ for your son to go to Purdue? If yes, and that is his first choice, I say let him go there. Sounds like both schools are excellent academically with strong networks and great opportunities upon graduation. My thinking is that I (the parent) are not the one going to classes, studyi...
by stoptothink
Fri Apr 19, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Feasibility
Replies: 22
Views: 1205

Re: Home Purchase Feasibility

-ryan- wrote:
Fri Apr 19, 2019 10:27 am
Also, $300 per month in groceries? With a newborn? Where are you shopping?
Off topic, but a lot of us in these parts do it. Family of 4 and our grocery spending is $225-$275/month with 7 and 4(today) year olds. If the child is breastfeeding, their food cost is pretty close to zero.
by stoptothink
Fri Apr 19, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 54
Views: 2736

Re: College admission inputs - Purdue vs local SJSU vs others

If your kid is interested in research opportunities - Purdue. If he is never going to get into research and only getting jobs in the Bay Area - SJSU Exactly. "Social mobility", the proportion of students accepted who are "underprivileged", is a much greater factor than career opportunities or start...
by stoptothink
Fri Apr 19, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 54
Views: 2736

Re: College admission inputs - Purdue vs local SJSU vs others

If your kid is interested in research opportunities - Purdue. If he is never going to get into research and only getting jobs in the Bay Area - SJSU Exactly. "Social mobility", the proportion of students accepted who are "underprivileged", is a much greater factor than career opportunities or start...
by stoptothink
Fri Apr 19, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase Feasibility
Replies: 22
Views: 1205

Re: Home Purchase Feasibility

Ummm, wow. This is all a really bad idea. You're literally living paycheck to paycheck, if nothing goes wrong.
by stoptothink
Thu Apr 18, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 39
Views: 3951

Re: Not Maxing 401K OK?

Last data I saw, <6% of full-time workers max out a 401k. For some reason I don't think 94% of the population is going to be in poverty in retirement.
by stoptothink
Thu Apr 18, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 54
Views: 2736

Re: College admission inputs - Purdue vs local SJSU vs others

If your kid is interested in research opportunities - Purdue. If he is never going to get into research and only getting jobs in the Bay Area - SJSU Exactly. "Social mobility", the proportion of students accepted who are "underprivileged", is a much greater factor than career opportunities or start...
by stoptothink
Thu Apr 18, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 76
Views: 4561

Re: When did you start spending more and saving less?

Probably when my wife finishes school, children are out of daycare, and the house is paid off. ETA ~3yrs. We've already got a list of experiences and things we've agreed to do/buy.
by stoptothink
Thu Apr 18, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 54
Views: 2736

Re: College admission inputs - Purdue vs local SJSU vs others

Some info on cost: SJSU is about 19K, Purdue is 44K, WPI is 55K, Rose is 82K, UWisconsin is 55K. Some thoughts: I know you have to consider aid offered by the schools but the raw difference for four years between in-state and out-of state schools is from $100K (Purdue) to $250K (Rose). If he went t...
by stoptothink
Thu Apr 18, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3343

Re: leaving state job / pension. ..... bad idea?

At 44, your savings seem quite low. Additionally, that's a lot of credit card debt for your income, if that's even a thing. I would stay where you are due to such a high pension monthly payment. Run the math to see how much you would need to save to get so much in monthly income. I doubt it you can...
by stoptothink
Thu Apr 18, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and Student Loans
Replies: 33
Views: 1784

Re: Marriage and Student Loans

FWIW, probably the worst decision I ever made was paying off my ex's undergrad loans before we married, and then subsequently cash-flowing her dental school. She got a BS and a DDS without having to pay a penny for them, I lost most of my life's savings when we separated during her final semester. O...
by stoptothink
Wed Apr 17, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 64
Views: 3820

Re: Where To Get New Bikes

Kids that age will dump it, leave it in the front yard, and then outgrow it. You can basically get children's bikes for free on Craiglist; we've paid a grand total of $35 for two balance bikes and 3 pedal bikes for my 7 and 3yr olds. We've then passed these bikes on to neighbors, for free, when the...
by stoptothink
Wed Apr 17, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Best and cheapest way to finance a new car: dealership?
Replies: 23
Views: 1873

Re: Best and cheapest way to finance a new car: dealership?

The cheapest way to finance a new car is to buy it with cash. Better yet. Put it on a credit card that gets points and pay it off that month. Don't pay interest. Get paid interest. This is mostly right. However, when I bought my car in 2017, I got (I think) a $750 discount from Hyundai for financin...
by stoptothink
Wed Apr 17, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7775

Re: I’m a Loser Stuck in a Dead End Job

You are far from a "loser" as multiple posters have pointed out. A few months ago I had the pleasure of meeting a person about your age. He finished high school and was working retail and barely making ends meet. He realized he needed to do something different. He spent a year teaching himself codi...
by stoptothink
Wed Apr 17, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 64
Views: 3820

Re: Where To Get New Bikes

If your kid just graduated from a balance bike, don't get a fancy bike for yourself while your kid struggles on a cheap one. Spend $250 on a nice kids bike and get a pair of running shoes for yourself. https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.amazon.com/Raleigh-Bikes-Rowdy-Y...
by stoptothink
Wed Apr 17, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 7775

Re: I’m a Loser Stuck in a Dead End Job

You have just an associates degree and a networth of $150k+ at 30. Dude, you are doing amazing considering the circumstances. To be frank, it doesn't sound like you have the education, relevant experience, or really any sort of plan to do anything different. Start with that first: what do you want t...
by stoptothink
Tue Apr 16, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6358

Re: What is your hobby and how did it come to be your hobby?

Your hobby or passion chooses you. Once taken hold you would rather not do Anything else. :sharebeer This is true. Poker is my hobby. It chose me. I didn't choose it. I play because I need to, not so much because I want to. I mean, I want to, but it's a need. That's an interesting use of the word "...
by stoptothink
Tue Apr 16, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Considering an e bike or conversion kit
Replies: 20
Views: 909

Re: Considering an e bike or conversion kit

Watching this thread with major interest. Wife has already agreed to let me spend a serious amount of money ($5k+) on an e-assist bike as soon as we pay off the house (ETA, about 3 years). I already walk commute and do almost all my errands on a bike, this will be my primary mode of transportation a...
by stoptothink
Tue Apr 16, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 64
Views: 3820

Re: Where To Get New Bikes

Hello, Our kid has graduated of balance bike and is becoming more comfortable riding a bike. The weather is certainly more conducive for outside activity, and we are thinking of starting biking as a new family activity.... If your kid has graduated from a balance bike my advice would be to go witho...
by stoptothink
Tue Apr 16, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6358

Re: What is your hobby and how did it come to be your hobby?

Lifting heavy things, running fast, jumping high, riding bicycles fast, hiking big mountains... Been a competitive athlete virtually all my life. Baseball and wrestling as a kid. Football, baseball, and track in high school. Football in college, then powerlifting, then triathlons as an adult. No lon...
by stoptothink
Tue Apr 16, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house ?
Replies: 20
Views: 1989

Re: Can we afford this house ?

Your wife is out of touch with your financial situation at this point in your life. Yep. Similar age (38 and 33), about twice the income and several times the savings, and we wouldn't even look at a home in OP's wife's suggested price range (we are in a similar COL area). Unfortunately, this is the...
by stoptothink
Tue Apr 16, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 17462

Re: Bogleheads, why won't anyone hire me?

I haven’t read all the replies and want to put more thought into a reply later, but I just wanted to say a few things. A. The job market is not as “great” as the stats make it sound. Most new jobs have been in retail and fast food. B. I agree it’s definitely who you know. And luck. C. My experience...
by stoptothink
Mon Apr 15, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 103
Views: 7758

Re: Luxury car recommendations?

IMO you aren’t missing anything. +1. Unless you are a "car person" why would you upgrade? Any specific complaints about the cars you have driven to date? Sounds like you are considering it just because you can. Since OP isn't into cars, that extra $10k, $20k, $30k can probably be spent a lot more e...
by stoptothink
Mon Apr 15, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Do You Give Money to Panhandlers?
Replies: 38
Views: 1835

Re: Do You Give Money to Panhandlers?

I did once, when I was 16 and putting gas in my car. Watched the guy take my money and walk directly into the mini-mart and buy cigarettes. Didn't even attempt to hide what he was doing. Never again. When we first married, my wife worked helping find underemployed individuals (disabled, homeless, et...
by stoptothink
Sun Apr 14, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Park City Utah Hiking
Replies: 14
Views: 603

Re: Park City Utah Hiking

The snow pack is unusually high this year, so you may want to take that into consideration. You might think it would all be gone by late June, and that might be wrong. I suggest having several possibilities in mind, and choosing on the basis of the weather that day. Yep, we are seriously wondering ...
by stoptothink
Sun Apr 14, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Park City Utah Hiking
Replies: 14
Views: 603

Re: Park City Utah Hiking

I'm doing Mount Timpanogos https://www.alltrails.com/trail/us/utah/mount-timpanogos-trail-from-aspen-grove with my wife and about 25 friends (mostly my employees) on June 22nd. Not too congested if you hit it early enough. About a 30min drive from Park City. We've done pretty much everything in the...
by stoptothink
Sun Apr 14, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Park City Utah Hiking
Replies: 14
Views: 603

Re: Park City Utah Hiking

I'm doing Mount Timpanogos https://www.alltrails.com/trail/us/utah/mount-timpanogos-trail-from-aspen-grove with my wife and about 25 friends (mostly my employees) on June 22nd. Not too congested if you hit it early enough. About a 30min drive from Park City. We've done pretty much everything in the ...
by stoptothink
Sun Apr 14, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 5915

Re: Soon to be dad, how to prepare

Regarding stuff....do not buy all the junk people say that you "need.". It is indeed just that, junk, and not only wastes money, but becomes clutter. Trust me, a bumbo (Google it) isn't worth the stuff it's made from. :D Agreeing to this is pretty much all I have to add. Outside of childcare, child...
by stoptothink
Sat Apr 13, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1224
Views: 122257

Re: [What TV Show Have You Recently Watched?]

"The Night Of" on HBO. Really good, but I didn't particularly like the ending. The story took a few unrealistic stretches for added drama towards the end.
by stoptothink
Sat Apr 13, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4173

Re: How to avoid throwing money at problems?

DH and I have a six month old and we are finding ourselves with a lack of time to get the basics done. DH and I both work a minimum of 60 hours a week and DS is in daycare so is sick often and our family logistics have been shot. HHI ~350k with bonuses, 90k without bonuses, 950k NW, 250k in house e...
by stoptothink
Fri Apr 12, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 3876

Re: Relocating to Seattle from Baltimore Area

The homeless problem and urban cleanliness is not as bad as people mention, a lot of sincere people are working on solutions. I think it is better than a few years ago. Seattle, Portland and San Francisco look like something out of a post apocalyptic film most nights. There are feces, vomit and nee...
by stoptothink
Fri Apr 12, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8526

Re: Buying a house next year. Wife wants a big house. Thoughts?

My recommendation is to get the "small" house because - 3.5% in property taxes? And I thought 2.5% was high in Austin I think many of the posts supporting buying the more expensive house are glossing over this. Texas property taxes make this a lot less comfortable financially than it appears on the...
by stoptothink
Fri Apr 12, 2019 2:24 pm
Forum: Personal Investments
Topic: College Cost Estimator and How to fund 529 to meet cost
Replies: 11
Views: 503

Re: College Cost Estimator and How to fund 529 to meet cost

Go to a different school. Establish residency and go to a flagship state school. Done. That's not always that easy. For my uncle in NJ the only college given cost and reputation that might fit, is perhaps Rutgers... But college picking may not always work in the kids favor. It isn't easy, but it is...
by stoptothink
Fri Apr 12, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4250

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I have a good friend who was having her first baby and wanted some advice on a family vehicle. I went with her and her husband to a few places looking at suitable cars. Her requirements were a newer car with under 80k miles and under 20K. I had mentioned a Volvo, Subaru, Honda CRV or Pilot, and a f...
by stoptothink
Fri Apr 12, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 3761

Re: Should you use a real estate agent when buying a house? What are your experiences?

I have never found an agent interested in meeting my criteria, they have their own idea of what they think you want / should have. Despite a precise spreadsheet of Musts and Wants, with explicit MLS areas and price range. As soon as you hear... "This is your biggest investment in a personal ASSET",...
by stoptothink
Fri Apr 12, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a rental house for ex-wife
Replies: 29
Views: 2620

Re: Purchasing a rental house for ex-wife

You’re already paying her way too much. Why pay her more? No kid needs $2800/month. That is more than lots of families (5+ people) live on. And you came to this conclusion.... with what data? The OP appears to agree that it is a massive amount. What 5 year old needs $2800/month? That’s enough to su...
by stoptothink
Fri Apr 12, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4250

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I have a 2016. The first time I really tried to go (difficult merge onto a freeway or something) I was surprised to find that my foot was all the way down. That never happened in my previous car, and has happened a few times since. It's a minor annoyance, up there with sometimes bluetooth doesn't c...
by stoptothink
Thu Apr 11, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 4250

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

Curious if you are running your CX9 with premium fuel to achieve the extra 25 hp it provides? No, I've never put premium in it and never felt the need to. The torque is the same with regular or premium, only the horsepower changes. If I were driving 2-lane highways and wanting to pass regularly I s...
by stoptothink
Thu Apr 11, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $1mil home?
Replies: 64
Views: 8080

Re: Can we afford a $1mil home?

Every Bay Area housing thread leaves me staring at the post hoping there was a typo or something. Unless you absolutely have to live there, I don’t get it. You can move to the Midwest, live a much better quality of life on half the income and have plenty left over for multiple luxury trips back, sh...
by stoptothink
Thu Apr 11, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8526

Re: Buying a house next year. Wife wants a big house. Thoughts?

I'm gonna be in the same boat in a few years, (we're even the exact same age) except our income/savings is slightly higher. We made an agreement that we wouldn't even discuss the possibility of upgrading until the current house was paid off. Well, 3yrs in and we're more than halfway to having the th...
by stoptothink
Thu Apr 11, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4393
Views: 1145354

Re: What Movie Have You Recently Watched?

Bohemian Rhapsody. Do not recommend. Given its PG-13, we thought it might be ok for family viewing. Big mistake! We quickly turned it off due to it containing filthy language and unsavory themes that are not family friendly. You missed a good film. It was not necessarily historically accurate, but ...
by stoptothink
Thu Apr 11, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 3761

Re: Should you use a real estate agent when buying a house? What are your experiences?

You paid the agent directly or you paid for the home and out of the sellers proceeds the agent was paid? The sale price of the home was increased due to us bringing an agent to the table. What's with the semantics? So you negotiated the purchase price yourself without your agent and you negotiated ...