Search found 3672 matches

by stoptothink
Fri Dec 15, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I open a fitness center for extra money?
Replies: 27
Views: 1101

Re: Should I open a fitness center for extra money?

I was briefly in the industry right after finishing undergrad, as the regional head trainer for arguably the largest name in fitness centers. DON"T DO IT. Unless you are a sports-specific athletic training facility and develop a following, there is almost no way the smaller facilities can compete.
by stoptothink
Thu Dec 14, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 79
Views: 6457

Re: 2018 financial goals - what are yours?

I think 2018 will be the first year I can max 401k. Goal is to also max Roths for the first time. I am excited. Only people here know what this means. None of my normal friends or acquaintances (even the well off ones) understand how happy this makes me. In a conversation with my boss yesterday abo...
by stoptothink
Wed Dec 13, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 95
Views: 4934

Re: How much did you contribute to your 401k in 2017?

36 - would have been $18,000+ match but just found out a few minutes ago that they took 401k contributions out of our bonus and my last check of the year will take into account my annual review raise (two things which they did not do last year), so I am going to have to do some quick math to not ove...
by stoptothink
Wed Dec 13, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 134
Views: 5099

Re: Snow Tires? Worth it?

All season are... All season. If this car is for driving on plowed roads, all season is all you need. Snow tires may give people the illusion they have better traction on ice which could cause one to go faster than the conditions allow. I work in a group of engineers and this topic is discussed oft...
by stoptothink
Sat Dec 09, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Anyone try YourMechanic ?
Replies: 38
Views: 5484

Re: Anyone try YourMechanic ?

My wife just called me, the mechanic is done replacing our brakes, serpentine belts, changing the oil, rotating tires, and basic trip check. He did it all in the parking lot of her office. Said he was on time, very courteous, and they originally ordered the wrong serpentine belt, so he had to go to...
by stoptothink
Thu Dec 07, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6441

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

I hear cybersecurity is huge right now. Have you thought about a CISSP? It is huge, it is the industry my wife works in (she's in sales). That being said, to sit for the CISSP exam you have to have 5 years of industry experience, so OP better get started. I come from a similar background, my mother...
by stoptothink
Wed Dec 06, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7044

Re: Lowering My Grocery Bill

What Consumer Reports says about gluten: Unless you are among the 1 percent of Americans who have celiac disease, going gluten-free might actually harm you. In fact, gluten may be good for you by reducing blood pressure and inflammation. Gluten-free doesn't necessarily mean healthier. Gluten-free f...
by stoptothink
Wed Dec 06, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7044

Re: Lowering My Grocery Bill

Los Angeles plus the GF-Requirement will mean that you will only be able to lower it by so much. When we found out that my daughter; and then later my wife; required a Gluten-Free diet our grocery bills went up substantially - G luten-Free foods cost more - I've just learned to accept it. We spend ...
by stoptothink
Wed Dec 06, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7044

Re: Lowering My Grocery Bill

Los Angeles plus the GF-Requirement will mean that you will only be able to lower it by so much. When we found out that my daughter; and then later my wife; required a Gluten-Free diet our grocery bills went up substantially - Gluten-Free foods cost more - I've just learned to accept it. We spend a...
by stoptothink
Wed Dec 06, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5784

Re: It's that time of year again... buying christmas gifts

wow, i spend $300 on my boss's gift, and the same on his boss's gift. I think it is the cost of doing business, or having friends or having family. most of all, i ENJOY giving these people nice things to show my appreciation. Money can always be made, but relationships cant always be repaired. Brib...
by stoptothink
Wed Dec 06, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2284

Re: Holiday Tipping

Of all the people who perform regular services, I think the newspaper carrier and trash haulers probably get paid the least and have the worst jobs. Delivering newspapers requires getting up very early in all kinds of weather, and I appreciate the effort. And I know they don't make much money. Hang...
by stoptothink
Tue Dec 05, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7044

Re: Lowering My Grocery Bill

I find this to be a topic that is very specific to the individual. This. I guarantee that in OP's situation I could (and would) spend half as much on groceries, but I can also all but guarantee they wouldn't want to do what I do. Unless OP dictates exactly what they eat and is open to drastically c...
by stoptothink
Tue Dec 05, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5784

Re: It's that time of year again... buying christmas gifts

I wish Christmas was really about Christmas, not about materialism. The vast majority of the country is focused on materialistic things. It is rather sickening. We have an agreement on my side of the family that there is no gift-giving, except to my mom, and everybody sticks to it. On my wife's sid...
by stoptothink
Sun Dec 03, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: When/how to pare back cash gifts to young relatives as they get older
Replies: 19
Views: 1671

Re: When/how to pare back cash gifts to young relatives as they get older

$250 cash, for nieces and nephews for Christmas :shock:? Apparently I was born into the wrong family. My aunt used to send me $10 at Christmas and my birthday, that was 45 years ago though. We cut off birthday and Christmas gifts at 18 years old, however, the nieces and nephews still get cards. Nei...
by stoptothink
Sun Dec 03, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: When/how to pare back cash gifts to young relatives as they get older
Replies: 19
Views: 1671

Re: When/how to pare back cash gifts to young relatives as they get older

$250 cash, for nieces and nephews for Christmas :shock:? Apparently I was born into the wrong family.
by stoptothink
Sun Dec 03, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1061
Views: 257110

Re: Best watch for around $5,000?

Over the past 2 years, I have bought $270,000 worth of watches. Ranging from a $12 Casio F91 to a $42,000 A. Lange & Sohne, from vintage to new. Sold them all except a G-Shock and 2 custom military Bremonts (total value $6,000). I wear the G-Shock 95% of time now. It was fun checking them all out a...
by stoptothink
Sun Dec 03, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 920173

Re: What Movie Have You Recently Watched?

Was talked into watching Kingsman 2 despite having hated Kingsman 1. I am now 2 for 2. Dreck. Utter dreck. The first one was epically bad. I am absolutely shocked when people tell me how much they loved it, but it seems to be a pretty popular movie. You couldn't pay me to sit through the 2nd one.
by stoptothink
Sun Dec 03, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Empty nesters, how did your finances change when the birds left the nest
Replies: 25
Views: 2301

Re: Empty nesters, how did your finances change when the birds left the nest

Cost for kids never goes away it just shifts categories over time. College, weddings, travel expenses if they move outstate. Maybe help with purchasing a home, etc. But those costs are all discretionary; very much so. My mother has 7 kids (6 out of the house), the total cost of all those expenses f...
by stoptothink
Sun Dec 03, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of going "back" to school nearing 40?
Replies: 22
Views: 2361

Re: Thinking of going "back" to school nearing 40?

A few mentions of an MBA; based upon the OP's statement that they briefly attended a community college, sounds like they don't have an undergrad yet. I agree with the last poster, with no plan it is just a waste of time and resources. Figure out what you want the degree to do for you before deciding...
by stoptothink
Fri Dec 01, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4603

Re: I Can "Afford" This Right? (New Car)

Didn't read everyone's response, but you can afford it. To be honest, depending on what you're looking for, don't buy that Lexus if you're wanting a "sports car". Severely overpriced and under powered. I picked up a 2007 911 Turbo for myself within that price range. Best bargain for a car that does...
by stoptothink
Fri Dec 01, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3500

Re: housing for in-laws

In my neighborhood, the most popular new homes built in the last few years are those with an in-law suite. In other words, there is a one bed room apartment with its own garage, bedroom, living room, kitchen and laundry room. And there are separate entries to the apartment and the main part of the ...
by stoptothink
Fri Dec 01, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3500

Re: housing for in-laws

My inlaws live with us but I didn't agree to it until I found the perfect setup. They have their own separate kitchen, living room, entrance, etc and it has worked out fine. There is only one door that connects the main living space and we generally leave it close (and knock if we want to see each ...
by stoptothink
Fri Dec 01, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10350

Re: Price of haircut?

I've never paid for a haircut, except for the initial $30 for the clippers I bought nearly 20yrs ago. I cut my own hair for probably a decade and now have my wife do it. She has become very good at it. In fact, she cuts all our hair (my son and my daughter's as well). Based upon what she spends (she...
by stoptothink
Thu Nov 30, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9371

Re: Why should I donate to my alma mater?

And as far as a factor in you children being admitted based on donations, unless you're Bill Gates, it probably doesn't matter . My uncle isn't remotely Bill Gates, but it is hard to explain how all 4 of his children got into a school when their prep academic credentials were significantly below th...
by stoptothink
Wed Nov 29, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5477

Re: When to tell the SO about my financial situation?

Honest opinion. Your posts in this thread and the previous present an image that there might be a maturity issue with you. Instead of starting more threads about her, maybe time for some introspection. I speak as someone who was in your shoes, twice, but at a younger age and with more resources invo...
by stoptothink
Wed Nov 29, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9371

Re: Why should I donate to my alma matter?

I graduated 20+ years ago and every year give a token $50-100. I do it mainly to add to their "participation numbers". I have no dreams/plans for my children to attend this school. I also do not keep in touch with any of my classmates, apart from a once every few years meetup... I was on a huge aid...
by stoptothink
Wed Nov 29, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5477

Re: When to tell the SO about my financial situation?

My GF is much younger than I am, before she met me she didn't know a damn thing about personal finance and her upbringing/family doesn't have/come from/make much money at all and she sees how some family members just piss away money and have nothing to show for it but problems throughout their enti...
by stoptothink
Wed Nov 29, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 6676

Re: How much to tip movers?

I've always tipped movers well and fed them hearty lunches and snacks. Then after I have unpacked, I discover what they have stolen. Power tools are the most popular items. (Can't tell you how may power drills I have lost this way.) The thing that angered me the most was my expensive CuisinArt food...
by stoptothink
Tue Nov 28, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17412

Re: The fallacy of spending money on "experiences" vs hard assets

Remember the topic was spending money on experiences,not free experiences like playing with your grandchildren,etc. I would imagine the op would not argue hard assets are more important than time spent with family and friends when all is said and done. To those that quoted me, this ^^ The original ...
by stoptothink
Sat Nov 25, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17412

Re: The fallacy of spending money on "experiences" vs hard assets

The news is full of pop-science articles touting the benefits of this, most of which I think are junk science. In your efforts to debunk junk science you have brought an admirable amount of open data, rigouruous research, and hard science citations. There actually is some real peer-reviewed researc...
by stoptothink
Sat Nov 25, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17412

Re: The fallacy of spending money on "experiences" vs hard assets

Both the wife and I loathe traveling and have agreed for the near future that our family out-of-state vacations are done. As far as I am concerned, every vacation we have taken has been a disappointment, but we get a lot of awesome experiences from our ~$15k garage gym, which is pretty much our one ...
by stoptothink
Thu Nov 23, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4225

Re: Public or Montessori Private School

I looked into this A LOT when my kid was in PreK and found NO consistency of what makes a person successful at life let alone what school they came from. I know one likes to think you do "x" and you get "y" results. The only stuff I have found that matter is: Safety of the school, parents in the sc...
by stoptothink
Tue Nov 21, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6947

Re: Tipping in living wage state. Redux.

I bag my groceries myself, don't have a child, and don't interact with the people who stock my shelves. But no, I don't believe they are underpaid in the way my server is, so I wouldn't tip them if I had the opportunity. If I knew my server made $35/hr 40 hours per week I wouldn't tip so generously...
by stoptothink
Mon Nov 20, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1682

Re: What brand of used car - Hyundai vs Nissan?

Nissan is twice the car Hyundai is, too many complains about Hyundai warranty. Where have the complaints come from? FWIW, I had no under warranty issues with my last car ('09 Hyundai accent), in fact zero issues at all before giving it to my FIL at 8yrs old and with nearly 100k miles, but an employ...
by stoptothink
Mon Nov 20, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5803

Re: How much do you budget for vacation?

Right around 1.5K per year. This usually gets us 8 days or so at a S. California beach in the summer. Ditto, except we are a family of 4. Helps that I am from Southern California and we stay with family and friends. To be totally honest, when we return we usually ask ourselves if it was worth it. T...
by stoptothink
Mon Nov 20, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 5803

Re: How much do you budget for vacation?

Right around 1.5K per year. This usually gets us 8 days or so at a S. California beach in the summer. Ditto, except we are a family of 4. Helps that I am from Southern California and we stay with family and friends. To be totally honest, when we return we usually ask ourselves if it was worth it. T...
by stoptothink
Mon Nov 20, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8873

Re: Tesla truck unveil

A fully-loaded semi that can do 0-60 in 5 seconds? That sounds potentially dangerous given the size, and potential cargo shifting. And what about when the truck is empty and you have a hot-head boy-racer driver? No driver has experience controlling that combination of power weight and size in an 18...
by stoptothink
Fri Nov 17, 2017 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Refinance 30yr to 15yr mortgage?
Replies: 33
Views: 3304

Re: Refinance 30yr to 15yr mortgage?

To answer these questions, I'm not sure if it is cash flow positive.... My monthly obligations are about $1900 after mortgage, HOA fees, taxes. I get about $1500 from the renter, so there' s a deficit of $400 each month, but they are paying most of my mortgage and fees. To me that is cash flow posi...
by stoptothink
Fri Nov 17, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8873

Re: Tesla truck unnveil

Certainly not what I got from Btenny's post. Fact of the matter is, the numbers Musk threw around were so far removed from what is possible today that it makes it really difficult to take it seriously. Are you talking about the acceleration numbers or battery charging speed(electrek has an article ...
by stoptothink
Fri Nov 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8873

Re: Tesla truck unnveil

This dog and pony show was a joke IMO. Total vaporware or worse. It is not a product yet or even close. The truck does not work and will not tow any real heavy loads any significant distance because the design is not done. It is years away. The truck shown has no cooling or radiator for the power t...
by stoptothink
Fri Nov 17, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8873

Re: Tesla truck unnveil

This dog and pony show was a joke IMO. Total vaporware or worse. It is not a product yet or even close. The truck does not work and will not tow any real heavy loads any significant distance because the design is not done. It is years away. The truck shown has no cooling or radiator for the power t...
by stoptothink
Fri Nov 17, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8823

Re: Has used furniture dropped in value dramatically?

On the subject of furniture losing its value... has anyone tried to sell a piano lately? --vtMaps :( The other thing that is often given away is barely used exercise equipment (treadmills, Nordic tracks, boflex, etc). Unfortunately almost all of it is the latest gizmo that promises amazing results....
by stoptothink
Fri Nov 17, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15518

Re: MoviePass-Too good to be true, but it's legit.

If you offered to pay me $10/month but I had to go watch at least 1 movie in a movie theater per month, I'd probably pass. :D +1. I really dislike the experience. We might go once a year. That once a year was Tuesday, as part of our anniversary. Wife wanted to see Thor. Movie was OK, the very obese...
by stoptothink
Fri Nov 17, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Refinance 30yr to 15yr mortgage?
Replies: 33
Views: 3304

Re: Refinance 30yr to 15yr mortgage?

You should research 15yr mortgage rates, I don’t think 2.5% is possible without paying for points. I use this webpage http://www.mortgagenewsdaily.com/mortgage_rates/daily.aspx In the last 52 weeks the lowest a 15yr FRM has been is 3.12%. Yeah, I'd love to know where anybody is getting anything clo...
by stoptothink
Thu Nov 16, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6947

Re: Tipping in living wage state. Redux.

Maybe my sarcasm meter is broken because I'm having a very difficult time getting a read on this response. That's an unavoidable question for anybody who suggests they tip because they believe servers are underpaid, and I have a difficult time taking anybody seriously who says they tip everybody th...
by stoptothink
Wed Nov 15, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6947

Re: Tipping in living wage state. Redux.

Going in and not tipping because you think the waiters are adequately paid as is, is like trying to pay only 80% of the bill because you think the menu is 20% overpriced. No it isn't, because there is no explicit quid pro quo. I tip because I believe waitstaff are underpaid. If they receive an hour...
by stoptothink
Wed Nov 15, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 6895

Re: Sobering article for my 25 year old self

Balance is always the key, yes. But, people value different things in life. Many people derive high life satisfaction from being minimalist and enjoying people, experiences, and low-cost lifestyles. Many people derive satisfaction from being heavy consumers. And all along that continuum in between ...
by stoptothink
Wed Nov 15, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 920173

Re: What Movie Have You Recently Watched?

Went to see Thor Raganarok for our anniversary yesterday. Wife loved it. Me? Meh...I have a hard time getting into the whole aliens and other dimensions thing. My preferred type of superhero entertainment is like Batman Begins, Captain America Civil War, season 1 of Daredevil. I think it was well do...
by stoptothink
Tue Nov 14, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6947

Re: Tipping in living wage state. Redux.

tip. Anyway, this isn’t about tipping, generally, but about whether a change in pay structure (from a wage with a tip credit to a full minimm wage to a living wage) should change my tipping practice. I don’t see how it could possibly remain the same, to be honest. Bad logic. Why do you assume that ...
by stoptothink
Mon Nov 13, 2017 6:58 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 118
Views: 6947

Re: Tipping in living wage state. Redux.

Slacker » Mon Nov 13, 2017 5:33 pm Thank you for this information. I am typically a "big" tipper, in part because of the low wages. Next time I am in California or Washington, I will certainly be modifying my tipping behavior to leave a smaller tip (5-10% sounds like a good start). In our LCOL area...