Search found 3583 matches

by stoptothink
Wed Oct 18, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3104

Re: Is a doctor's practice one of the safest and most profitable businesses?

Earning $500k busting your butt all day working 60 hours per week is a hell of a lot of money. Primary care and psychiatry make much much less. Most doctors make a lot of money. The rest make good money. They have a lot of student debt however, and running a private practice is difficult as you're ...
by stoptothink
Tue Oct 17, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2207

Re: How do you outfit your feet?

Shoes are my weakness in terms of simplifying my life. It was way easier to drastically reduce clothes I own than shoes. I have minimal need for boots or dress shoes in the gulf coast area and resultant lifestyle. Most of my aprx 30+ pairs of footwear are some type of athletic shoe along with 2 pai...
by stoptothink
Tue Oct 17, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6853

Re: How long for hedonic adaptation to set in?

The housing though, is def legit. I wish it wasn't, but it absolutely is life-changing, and probably THE most life-changing way you can possibly spend your money. It is life-changing for you . I have three close friends and a neighbor who bought mansions (not McMansions, but legit 10,000+ sqft mons...
by stoptothink
Mon Oct 16, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6853

Re: How long for hedonic adaptation to set in?

The housing though, is def legit. I wish it wasn't, but it absolutely is life-changing, and probably THE most life-changing way you can possibly spend your money. It is life-changing for you . I have three close friends and a neighbor who bought mansions (not McMansions, but legit 10,000+ sqft mons...
by stoptothink
Mon Oct 16, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 6853

Re: How long for hedonic adaptation to set in?

The housing though, is def legit. I wish it wasn't, but it absolutely is life-changing, and probably THE most life-changing way you can possibly spend your money. It is life-changing for you . I have three close friends and a neighbor who bought mansions (not McMansions, but legit 10,000+ sqft mons...
by stoptothink
Mon Oct 16, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5345

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

I work for a big oil company and our mechanics, electricians, and other hourly skilled-labor folks who graduate with 2 years degrees come out of school making 6 figures + pensions + generous 401k plans.These kids are 20-22 right out of school making good money and typically make more than our entry...
by stoptothink
Mon Oct 16, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1787

Re: contributing to friend's non-profit?

I doubt the IRS would give them non-profit status if the organization's goals were to give jobs to certain people. In an ideal world, that would be true, but this is not an ideal world. Non-profits created and managed for selfish rather than truly charitable purposes have even been front page news ...
by stoptothink
Sat Oct 14, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 882251

Re: What Movie Have You Recently Watched?

"The Accountant," pretty decent action flick starring Ben Affleck about a CPA/assassin with Asperger's Syndrome. Was pretty predictable and the plot was a tad silly, but that's an action flick. Interestingly, I have Asperger's and my wife has had several of her friends and co-workers who have told h...
by stoptothink
Sat Oct 14, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 33
Views: 2677

Re: New mattress

We just bought a Nectar https://www.nectarsleep.com/. I literally spent most of my life sleeping directly on concrete and wood floors, a mattress makes zero difference to me, but my wife loves it. She spent nearly a year researching and laying on different mattresses and Nectar is what she chose. FW...
by stoptothink
Sat Oct 14, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 91
Views: 6576

Re: anyone else not liking the new cars?

Angelus359 wrote:
Sat Oct 14, 2017 7:07 am
I just bought a new Prius and I love the look
To each their own. IMO it is battling the i3 as the single ugliest vehicle currently manufactured...but I'd gladly drive either.
by stoptothink
Fri Oct 13, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 78
Views: 7215

Re: To take or not to take delivery of Tesla 3

I bought a used BMW i3 w/ 16,000 miles on it for cheap. I made the mistake of going and driving one and it's a superb little car. I was shocked initially b/c I had written it off b/c of how ugly it is... but the passenger compartment is quite large and it's incredibly fun to drive . A few car magaz...
by stoptothink
Thu Oct 12, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Protein Bars - Recipe?
Replies: 7
Views: 599

Re: Protein Bars - Recipe?

It is quite difficult to get a palatable bar texture without adding some ingredients that you probably don't want (ie. emulsifiers and sugar alcohols). I've tried in the past, but haven't been too successful. Been much more successful making dense muffin-like foodstuffs with an ingredient and macro...
by stoptothink
Thu Oct 12, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Protein Bars - Recipe?
Replies: 7
Views: 599

Re: Protein Bars - Recipe?

It is quite difficult to get a palatable bar texture without adding some ingredients that you probably don't want (ie. emulsifiers and sugar alcohols). I've tried in the past, but haven't been too successful. Been much more successful making dense muffin-like foodstuffs with an ingredient and macro ...
by stoptothink
Wed Oct 11, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2276

Re: Best weight loss resources?

Some people react better to low carb, some to low fat. What works short term does not necessarily work long term. Diet science is a mess, with many contradictory studies. I wouldn't take most of it seriously. For example, for every Taubes' study there's an equal and opposite study. Many look very i...
by stoptothink
Wed Oct 11, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2276

Re: Best weight loss resources?

You can read all the books in the world and online websites, etc, but you will not find out what works specifically for you without professional consultation and monitoring. A professional nutritionist in conjunct with a fitness expert is what I'm referring to. Everyone is unique in body, heritage,...
by stoptothink
Tue Oct 10, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2586

Re: Cheapest thing you ever heard of to save money

I went through a period of my life, immediately following my divorce, where I did some things which many here probably would not believe. Not completely to save money, but it was certainly a factor (differences in financial ideologies was almost the sole cause of divorce). My total cost of living fo...
by stoptothink
Tue Oct 10, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2276

Re: Best weight loss resources?

Do a search, this topic has been beaten to death. Weight loss/management is something that is quite simple at its core (I managed to get a PhD researching the topic), but how you get there is a very individual experience. Everybody is different and responds differently to nutritional input and physi...
by stoptothink
Sun Oct 08, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2255

Re: Spouse gets blowouts?

You just have to accept it and move on. Between deodorant and razors, I might spend $50/yr on hair/hygiene, my wife generally spends that much per week on her nails. Then there is the eyelashes and clothes or I'll come home one day and her hair is a different color. I simply don't understand, it's a...
by stoptothink
Thu Oct 05, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3787

Re: How do you value your time?

Convenience is for lazy people - sorry to say, but that's what you are buying, a tool to feed lazyness You can not truly put a value/dollar tag on your free time, that is an exercise in trying to make a fuzzy concept scientifically sound - which it is not. As a salaried employee you do not increase...
by stoptothink
Thu Oct 05, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3787

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. So what is the va...
by stoptothink
Thu Oct 05, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 882251

Re: What Movie Have You Recently Watched?

Lost City of Z , on Amazon prime. A British explorer searches for a hidden ancient city in South America. Not bad. Yes, and was based on a true story. Was a great book, but I couldn't make it through 30min of the movie. Considering he was the main character of one of the cheesiest and IMO worst wri...
by stoptothink
Wed Oct 04, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: First time home buyer - gut check
Replies: 19
Views: 1309

Re: First time home buyer - gut check

mega317 wrote:
Wed Oct 04, 2017 2:05 pm
I always get nervous when a post has a separate paragraph on what the extended family wants. I'm sure their hearts are in the right place but who cares what they think.
+1. Family, friends, real estate agents; do not listen to anybody when deciding what/when/where to purchase a home.
by stoptothink
Mon Oct 02, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7363

Re: What will happen if I refuse to pay a medical bill?

In the end, it ALL depends if the office stated "Yes we are in network" or "Yes we accept your insurance". That difference is obviously a big one. Sorry, I've read through most of this thread and I'm honestly not sure which question I'm supposed to ask. In the past, I've checked the insurance compa...
by stoptothink
Sun Oct 01, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: $10 million+ - Still Working and LBYM
Replies: 162
Views: 16213

Re: $10 million+ - Still Working and LBYM

Or are you like these folks: https://www.nytimes.com/2017/09/08/opinion/sunday/what-the-rich-wont-tell-you.html That is quite disturbing, likely because I have an aunt who is like those people. She inherited near 8-figures a few years ago and now tries to act like every $10k bicycle her husband buy...
by stoptothink
Sun Oct 01, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 2934

Re: Reach out to hiring manager directly on LinkedIn?

FWIW, as a hiring manager, this happens to me a lot and the overwhelming majority of the time it is from candidates who are not really qualified for the job and I have a cut-and-paste wordtrack response. Actually, I can't think of an instance where it was from someone I was even considering for a sp...
by stoptothink
Sun Oct 01, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3725

Re: For buying house: how do you know which schools are "good"?

I suggest you go to the school office, get a visitors pass and observe different classes and levels. You will surely get a feel for just about everythIng important for learning to take place. I would also eat in the school cafeteria with the students. Friday would be the day to observe. I hope I ha...
by stoptothink
Sun Oct 01, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7363

Re: What will happen if I refuse to pay a medical bill?

I would add that you don't ask a provider if they accept an insurance and leave it at that. You need to find someone in the insurance company who says that this specific provider (not just a facility, a specific provider) is in network. By the way, they could drop them as a provider 10 minutes afte...
by stoptothink
Sun Oct 01, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: For buying house: how do you know which schools are "good"?
Replies: 56
Views: 3725

Re: For buying house: how do you know which schools are "good"?

What most people consider good schools is determined solely by standardized test scores. The great schools ratings, for example, are based on test scores. Standardized test scores are more highly correlated with socioeconomic status and race than with any other variables. If you don't define "good"...
by stoptothink
Fri Sep 29, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 192
Views: 12823

Re: Why do you LBYM? Why do you save and invest?

What I'm getting from this thread is that Bogleheads are frightened, job hating old people who pick up pennies and learned to save soap scraps from their parents and grandparents. That's quite a sad way to look at it. We want for nothing. Live in a nicer home, drive nicer vehicles, have nicer stuff...
by stoptothink
Thu Sep 28, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 5929

Re: My Smartest Financial Moves

protagonist wrote:
Thu Sep 28, 2017 1:53 pm
Stupidest short-term financial move: divorce.
Smartest long-term financial move: divorce.

Second smartest: not spending beyond my means.

Third smartest: staying debt-free.

Fourth smartest: maybe indexing, though only time will tell.
This.
by stoptothink
Tue Sep 26, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4434

Re: Memory Foam Mattress Recomendations

I may actually prefer sleeping on the ground, and actually did not own a bed at all for most of my adult life (until I was married), but the wife just replaced our mattress with this https://www.nectarsleep.com/mattress. She did a ton of research and actually found friends who had most of the popula...
by stoptothink
Tue Sep 26, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6790

Re: Tipping question....Applebees

I'm surprised some people don't know that in 7 states the minimum wage for servers is the same as the usual minimum wage. This includes the 3 states on the west coast, all of which have minimum wages over $10 per hour, headed to $15 per hour. In these cases, not only do I not tip on tax, I tip less...
by stoptothink
Mon Sep 25, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4296

Re: Asking for no wedding gifts

And if it's the kind of wedding where you are expected to cover your plate, your invoice will come to you through well-planned whispers , or just through being in the kind of crowd that knows what such things cost - "if it's at (fill in the venue), then it's $500." "Your invoice will come to you th...
by stoptothink
Mon Sep 25, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6141

Re: Spouse Money Management

retire57 wrote:
Mon Sep 25, 2017 5:10 pm
greg24 wrote:
Mon Sep 25, 2017 3:53 pm
This thread and the "girlfriend college major" thread say more about the OP than the girlfriend.
+1
+2
by stoptothink
Mon Sep 25, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4296

Re: Asking for no wedding gifts

And if it's the kind of wedding where you are expected to cover your plate, your invoice will come to you through well-planned whispers , or just through being in the kind of crowd that knows what such things cost - "if it's at (fill in the venue), then it's $500." "Your invoice will come to you th...
by stoptothink
Mon Sep 25, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4296

Re: Asking for no wedding gifts

Personally, I find it more tacky when folks don't cover their plate in a wedding, especially when they have the means. When you invite guests to your home for dinner, do you expect them to pay you for the meal? Do you give them a bill? Do you accept credit cards or cash only? Inviting guests to a w...
by stoptothink
Mon Sep 25, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6790

Re: Tipping question....Applebees

the real question is not only tipping, but also applebees in general - is it worth eating there for $45? Value of the meal may be more impactful than the amount of the tip. The tip is smaller than the food. +1. I think the tipping culture in the U.S. makes zero sense, so instead of complaining abou...
by stoptothink
Sun Sep 24, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25253

Re: Calling out the not so rich bogleheads

Anyway, I'm glad some of you realize that those of us who don't make 6 figures have some different dilemmas to deal with than you do. Those post of I have 4 million in my roth, 3 in my ira, 400k in savings, and a house worth 2 million am I doing ok? Are really annoying. The correct answer is you wo...
by stoptothink
Sun Sep 24, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25253

Re: Calling out the not so rich bogleheads

Anyway, I'm glad some of you realize that those of us who don't make 6 figures have some different dilemmas to deal with than you do. Those post of I have 4 million in my roth, 3 in my ira, 400k in savings, and a house worth 2 million am I doing ok? Are really annoying. The correct answer is you wo...
by stoptothink
Sat Sep 23, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: What am I thinking.. a new car finance thread.
Replies: 16
Views: 1629

Re: What am I thinking.. a new car finance thread.

Here's the thing about AMG's... nice cars... good cars, but their component pricing is way out of whack. Basically, take the prices of a normal mercedes part, and then multiply them by 4. For fun, I was looking at the shocks once for a SL55 AMG -- they were basically electronically stabilized hyrdr...
by stoptothink
Sat Sep 23, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4296

Re: Asking for no wedding gifts

Send a wedding announcement with a tasteful note explaining that your house is fully furnished and you don't need gifts. Suggest that people who want to send gifts donate instead to their favorite charity, not yours. I know we all come from different backgrounds, but in American culture, this isn't...
by stoptothink
Thu Sep 21, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4581

Re: Costco vs sams club vs neither.

At some point I'll check it out but I have a strong suspicion that while there may be some nominal savings I'm not sure it will be worth the time and effort. I really dislike long lines. If I have to drive an extra 20 miles round trip and spend an additional hour driving, wading through massive ais...
by stoptothink
Thu Sep 21, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2919

Re: Should I even bother with buying a school picture?

1) The reviews for this place are abysmal. Lots of parents complaining about the poor quality of their photos, and wanting to get the district to change the vendor. The district has refused.. 2) The order form says they will NOT take his picture unless we prepay online or hand a check before sittin...
by stoptothink
Thu Sep 21, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2919

Re: Should I even bother with buying a school picture?

Just had this conversation with my wife last week when the Kindergarten photo packet came. As did I. My wife takes 10 pictures of our kids a day, I was totally confused as to why she thought it was necessary to buy these, which will be taken with a camera no better than hers and by someone likely l...
by stoptothink
Tue Sep 19, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3378

Re: How much do you spend on "entertainment"?

$8/month. That's for Hulu, we are on my parent's Netflix account. We might go to the movies once a year, we used to have a family pass to a series of local museums but the kids got sick of them so we cancelled, we might go indoor rock climbing 1-2x a year, and we literally never eat out. Concerts, s...
by stoptothink
Mon Sep 18, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18251

Re: Is it really Worth it to brown bag your lunch at work?

There's a better way to analyze this. Figure out your hourly wage, by dividing your salary by number of hours worked in a year. Any services significantly under this hourly rate you should outsource, unless you enjoy the task or don't value your free time/leisure. By making your own lunch every day...
by stoptothink
Sat Sep 16, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10078

Re: Companies/Brands You Love?

Is nobody going to mention IKEA? I'm not saying I love them (I avoid going as much as possible), but certainly we have a number of household items that we could never have found anywhere else at a comparable price with a similar design aesthetic. I absolutely hate going there, but I have to agree. ...
by stoptothink
Sat Sep 16, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18251

Re: Is it really Worth it to brown bag your lunch at work?

Two years ago, I began intermittent fasting. This was a conscious decision I made for my health. I eat one meal per day, dinner, which I cook at home. I will normally have two small healthy snacks consisting of nuts, fruit or vegetables prior to and after my dinner. What began as a health decision ...
by stoptothink
Fri Sep 15, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Equifax security manager had a music degree -- what?
Replies: 10
Views: 907

Re: Equifax security manager had a music degree -- what?

The CTO of my 4,000+ employee health company has no formal "tech" education. My wife works for a pretty large data security company, who is in fact quite likely to be helping to get to the bottom of this mess, and their CTO as well doesn't have any formal education in the field (though he has a numb...
by stoptothink
Fri Sep 15, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2905

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

You use 18 times as much electricity as me... Jeez I use about 230kwh per month, with ac all summer and gas heat all winter in Illinois My highest gas bill ever was 70. My highest electric bill ever was 55 I'm not sure how you get by with so little - I have the AC at 74 - which is a huge culprit - ...