Search found 4296 matches

by stoptothink
Sat Oct 20, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Morning/Nighttime Stretching Routine
Replies: 11
Views: 1286

Re: Morning/Nighttime Stretching Routine

I start every morning with some movement prep and a series of squat progressions, culminated by a few minutes in my inversion table. Takes about 10 minutes. Over two decades of power and olympic lifting, and now sitting for several hours a day, has resulted in some tight hips and occasional lumbar s...
by stoptothink
Fri Oct 19, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Home Buying Books. [Looking for books about buying a home]
Replies: 5
Views: 381

Re: Home Buying Books. [Looking for books about buying a home]

As a first time buyer <3yrs ago, there is an endless amount of information about this on the internet, I'm not so sure reading a physical book would provide any benefit over a Google search.
by stoptothink
Fri Oct 19, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3774

Re: Should we downgrade our house?

I'd be curious if there have been any studies that show rich kids who go to low-scoring schools are more likely to be low-scoring students. https://www.washingtonpost.com/news/answer-sheet/wp/2018/07/26/no-private-schools-arent-better-at-educating-kids-than-public-schools-why-this-new-study-matters...
by stoptothink
Thu Oct 18, 2018 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5078

Re: Spoke with a CFP...underwhelming!

I am interested in working with an extremely wealthy financial advisor who has invested according to his own advice for many years and can provide me adequate documentation he has done so. You might want to read the classic book "Where are the Customers Yachts?" before you hire a wealthy financial ...
by stoptothink
Wed Oct 17, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a forever home?
Replies: 25
Views: 2856

Re: Reasonable cost for a forever home?

"Forever home" is a term I hear often. It usually means around 7 years. This. I dislike that term almost as much as I do "starter home". The chances of OP remaining in that home for the rest of their life is statistically extremely slim and whatever seems ideal now, most definitely won't be ideal i...
by stoptothink
Tue Oct 16, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13517

Re: Correlation between the FIRE movement and one of the greatest bull markets

You can live a well lived (selfish) life with $1 million, especially if you have no debt. Fixed for you. $1M is short changing yourself. Its having low expectations for yourself because you think you can't do better/afraid to do better. $100,000 in net cash flow on $1M in real estate equity is a ni...
by stoptothink
Tue Oct 16, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4154

Re: Relocation to California

LA has one and only one REAL problem. Traffic. Traffic is far from the only issue LA has. After 23yrs in LA, I spent 5yrs in Houston, which has nearly as bad traffic and weather which (for many) is absolutely unbearable; I'd move back to Houston 100/100 over LA. California is extremely polarizing -...
by stoptothink
Mon Oct 15, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4154

Re: Relocation to California

It’s interesting that anytime anyone posts that they’re considering a move to anywhere in California, a number of people who mostly don’t know much about California feel the need to tell the OP what a bad decision that is, because they will go broke and then be killed by a homeless drug dealer. OP ...
by stoptothink
Mon Oct 15, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Kids and Money
Replies: 38
Views: 1779

Re: Kids and Money

(1) Pretend we have less money than we have. We live well below our means anyway, so it would be pretty easy. But I’m not a fan of being dishonest with our kids. This is essentially what we do and we plan to maintain this as our 3 and 6yr olds age. There is no dishonesty, we are simply living below...
by stoptothink
Mon Oct 15, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13517

Re: Correlation between the FIRE movement and one of the greatest bull markets

When Orman said you need at least $5 million to retire early, I dismissed her whole argument. $5 million - regardless of what you spend. 'A life well lived' is very different to 'getting by'. $3M today is what $1M was to my parents. You can live a well lived (selfish) life with $1 million, especial...
by stoptothink
Thu Oct 11, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44071

Re: Lucrative careers?

Some of these things are not "careers". That is like saying I am going to play basketball for the Chicago Bulls and be a starter. Saying you are going to get a degree in X and go work for Google as Y is not far behind saying you are going to have a career as an actor or sports figure. You cannot ta...
by stoptothink
Thu Oct 11, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3242

Re: Formula for when to buy in bulk

There's another big issue with this kind of thinking, one that millions who believe that buying in bulk will save them money are overlooking: increased volume of goods leads to increased consumption of those goods . This is a well documented phenomenon. At some point, consumer reach a satiation poi...
by stoptothink
Thu Oct 11, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5181

Re: Feeling Guilt among family/peers

Most of my peers/family are living a paycheck to paycheck lifestyle. I guess I feel guilty living. Anyone else ever feel this way? How can I overcome this feeling. It’s gotten to the point I feel terrible doing anything anymore. When I step in these forums, I feel behind seeing the results of every...
by stoptothink
Wed Oct 10, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14463

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

You say that you don't care about weather, but then mention that you don't want your house flooded. That could rule out places like Houston, and where did that last hurricane hit the other week? That's right, NC. You also mention tornadoes, and yep, TX has those too, among many other types of sever...
by stoptothink
Mon Oct 08, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 202
Views: 11409

Re: Talk me out of buying a Tesla Model 3

You can afford it by any rational metric. I do find it interesting that you were looking at spending $30k-40k on a car and now you are OK with spending $75k. I sure hope a vehicle costing twice as much would offer a better experience.
by stoptothink
Sun Oct 07, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3378

Re: What are your strategies when shopping for a house?

Holy smokes are people making it complicated. Three visits to the house? Huge list of requirements? I just told our agent our max price and our requirements: near a freeway on-ramp and not in an HOA. Underground sprinklers preferred. We preferred two bathrooms, but couldn't get that in our price ra...
by stoptothink
Sun Oct 07, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4535

Re: Should I, and how, act on changes in managing diet and health?

Travel the US more and survey the physiques and eating habits of other people. The vast majority of people I see are obviously not in step with you. If I were to invest on that basis, I would take the exact opposite side of what you are considering. I agree with the suggestions not to base your inv...
by stoptothink
Fri Oct 05, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8706

Re: Best way to Invest 10 Million Portfolio at 40 without income

Misenplace wrote:
Thu Oct 04, 2018 8:32 pm
Wanderingdoc and KyleAAA, it might be better if you take your discussions offline instead of hijacking OP’s thread.
Or it might be better if Wanderingdoc stops trolling every other thread with his opinion's about real estate investing.
by stoptothink
Fri Oct 05, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3751

Re: Tackling Disney World

They interviewed young kids that had been to Disneyland about six months before and by far the thing they remembered the most was ......(drumroll)....the pool at the hotel. To this day, my mother still tells the story of the time we went to Disney when I was younger and the entire time my sister an...
by stoptothink
Thu Oct 04, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14463

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

These threads never resolve anything. I've lived in many places and I was never the only person living there, so people like all the places I have lived. So where have I lived and visited extensively: California, Texas, spitting distance to Iowa where I have siblings, various parts of North Carolin...
by stoptothink
Thu Oct 04, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: How many months/years of living expenses do you save each year?
Replies: 29
Views: 3419

Re: How many months/years of living expenses do you save each year?

~2yrs, but like others that is not including health insurance costs. That's the biggest unknown factor, as we've been very fortunate to have premiums fully-covered by my wife's employer for 3yrs now.
by stoptothink
Wed Oct 03, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3944

Re: Tipping

Is this our weekly tipping thread? I can't wait until the day places stop expecting tips for doing work. My co-workers never slip cash to me when I do great jobs, I usually just get a "thank you" I would love to leave a tip jar in my office and anytime I get a request that is due same day or urgent...
by stoptothink
Tue Oct 02, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5539

Re: Root of Good's cost of raising a child: $3,300 per year

Wow the hate here is intense. He spends little and you spend lots. So what. Personal choices. I think it is important that people see that you can live a great life without spending a lot of money. Calling BS because you can't personally achieve or want to achieve his low level of spending is silly...
by stoptothink
Tue Oct 02, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Adult kids getting help from parents
Replies: 36
Views: 2249

Re: Adult kids getting help from parents

How many people here, between the ages of 25-45, get help from their parents? When I say help, any monetary provisions that exceed $500 a year. This can include educational expenses for your children, or even paying off your college loans. I personally don't believe what society tells me, but I was...
by stoptothink
Mon Oct 01, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10782

Re: Anyone want to share their monthly budget? Here's ours

Wow, some of you really track stuff in detail. Spending Budget ~$120k annually. Monthly: $2100 house $3300 child care $150-450/mo utilities $50 Internet $1500 estimated tax (beyond withholdings) $175 auto/supp life insurance/umbrella Rest goes to credit cards for groceries, travel (minimal as you c...
by stoptothink
Mon Oct 01, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10782

Re: Anyone want to share their monthly budget? Here's ours

Wow, some of you really track stuff in detail. Spending Budget ~$120k annually. Monthly: $2100 house $3300 child care $150-450/mo utilities $50 Internet $1500 estimated tax (beyond withholdings) $175 auto/supp life insurance/umbrella Rest goes to credit cards for groceries, travel (minimal as you c...
by stoptothink
Mon Oct 01, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 31
Views: 1947

Re: Do you like technical conferences?

I do it a lot, approximately 6-8x/yr (including in two weeks, in Las Vegas), but at this point solely as a presenter representing my employer. As just an attendee, I've found that they are a near complete waste of my time. I'm a scientist in the health products industry. I've actually gone with my w...
by stoptothink
Sat Sep 29, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: College Student Performance Issues
Replies: 83
Views: 4595

Re: College Student Performance Issues

Struggled in HS. Why is she in college? Please don't give unhelpful comments. She is a smart kid struggling to cope with unstructured study life. The fact that a very good university gave her admission is the proof of her potential. We as parents want to help her develop skills to overcome the diff...
by stoptothink
Fri Sep 28, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3460

Re: Good flip flops

Rainbow https://www.rainbowsandals.com/ Another vote for Rainbow. They are flat when you buy them, but mold very well to your feet after use. I got my first pair from the factory in San Clemente, CA and still have them, and got a second pair 13 years later. Apparently they are made in China now, bu...
by stoptothink
Wed Sep 26, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5150

Re: Vacation without saving adequately?

1) Why does the approach by the other couple have to do anything with it? Is it necessary for you (or your family) to go with them? Is their standard of living in your ballpark? It might not be good to have a couple that's living (and/or earning) the $100,000 income lifestyle to go vacation with a ...
by stoptothink
Wed Sep 26, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to best plan for future large expenses?
Replies: 12
Views: 1130

Re: How to best plan for future large expenses?

I would not prepay daycare. I know it sounds like a good deal but unless your child has been going there regularly, you don't know if something may happen that will prevent your child from continuing to go there. What if you dislike your child's care takers? What if change in management at your day...
by stoptothink
Tue Sep 25, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8700

Re: Minimalist Lifestyle

On the cooking point, mark bittman had a bit on the minimalist kitchen. I have recently purged a lot of our unused stuff (9/10 cast iron pieces). We have a KitchenAid mixer that has been used literally once since it was gifted to us on our wedding 4 years ago. It brings my wife joy and it is the on...
by stoptothink
Tue Sep 25, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8700

Re: Minimalist Lifestyle

On the cooking point, mark bittman had a bit on the minimalist kitchen. I have recently purged a lot of our unused stuff (9/10 cast iron pieces). We have a KitchenAid mixer that has been used literally once since it was gifted to us on our wedding 4 years ago. It brings my wife joy and it is the on...
by stoptothink
Tue Sep 25, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8700

Re: Minimalist Lifestyle

It is physically possible to do all of those things on the one bike I now own (cyclocross bike), ironically my wife this summer finished first in her age group in a century and had the fastest female bike split in her first ever triathlon (sprint distance) on her cyclocross bike with nothing but so...
by stoptothink
Tue Sep 25, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8997

Re: Losing Passion for Hobbies. Cheap or normal aging?

I recently found out, on this very board, that because I've sold my mountain bike and time trial bike in the last few years (and now just own a single bike, a swiss army cyclocross) that I can no longer say I enjoy cycling (despite riding 3x+ a week) :oops: . I'm a few years older than OP and I've k...
by stoptothink
Mon Sep 24, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Where are the hybrid or fully electric two seater commuting vehicles?
Replies: 44
Views: 1928

Re: Where are the hybrid or fully electric two seater commuting vehicles?

Why is the smallest available electric car a four or five seater when 90% of commuted miles are driven alone? Because people won't buy a tiny car. Ford is giving up on sedans in general, because people want to purchase giant machines. Even small, not tiny, cars fail to sell. Toyota Echo, Chevy Aveo...
by stoptothink
Mon Sep 24, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8700

Re: Minimalist Lifestyle

Someone made a comment about having to have tools/things to support hobbies but hobbies for the most part seem to be another way to collect things rather than enjoy experiences. (Biking was used as an example but I never met someone into biking that didnt have 2-4 different bikes, even of the same ...
by stoptothink
Sun Sep 23, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8700

Re: Minimalist Lifestyle

Someone made a comment about having to have tools/things to support hobbies but hobbies for the most part seem to be another way to collect things rather than enjoy experiences. (Biking was used as an example but I never met someone into biking that didnt have 2-4 different bikes, even of the same ...
by stoptothink
Sun Sep 23, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8700

Re: Minimalist Lifestyle

I think you would have a very uninteresting life if you could live out of a couple suitcases, and you would have to hire someone to do absolutely everything for you because you would have no tools or supplies to fix anything in your life. What sort of interests or hobbies do you have? Gardening? Co...
by stoptothink
Sun Sep 23, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8700

Re: Minimalist Lifestyle

I essentially did live out of a suitcase for much of my adult life. I even went a year living in the 4th most populated city in the country without electricity, a car, any furniture, etc. (no, I wasn't homeless and it was done purposely...but I was finishing my PhD and simultaneously working full-ti...
by stoptothink
Wed Sep 19, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 3961

Re: Reverse Mortgages - Pros, Cons

FA is a fee only advisor and we have depended on him for > 35 years. FA advises ex CEOs, pilots, doctors, etc. Hedoesn’t need To trick anybody or an additional $500 or $1000. Not sure how this is remotely relevant. One of my best friend's is a crazy successful FA who "advises" some incredibly finan...
by stoptothink
Wed Sep 19, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8555

Re: Can Sneakers go with Business Casual?

The answer is very industry-specific, but I have seen a lot of colleagues wear nice leather sneakers (eccos) or dark-colored Allbirds (ubiquitous in Silicon Valley) on business casual days. Not anymore. https://www.vox.com/the-goods/2018/9/14/17792298/silicon-valley-stylist-fashion-tech Because one...
by stoptothink
Wed Sep 19, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4121

Re: “Majority of working-age Americans have no retirement savings”

The saving grace for many of these people is that they still have some sort of pension. But for many, perhaps most, they will have little choice but to keep working until they are physically incapable of doing so. At that point, they'll have to make do with Social Security benefits, which are low s...
by stoptothink
Wed Sep 19, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4121

Re: “Majority of working-age Americans have no retirement savings”

The saving grace for many of these people is that they still have some sort of pension. But for many, perhaps most, they will have little choice but to keep working until they are physically incapable of doing so. At that point, they'll have to make do with Social Security benefits, which are low s...
by stoptothink
Tue Sep 18, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25270

Re: What is your single most expensive mistake?

Marrying 1st wife (undergrad and dental school) and then divorce - loss of 6 figures Getting involved in real estate investing/development just a few years before the crash - loss of 6 figures At least both were done and gone by the time I reached 30 and I've had time to recover. If neither had happ...
by stoptothink
Mon Sep 17, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10333

Re: Massive Student Loan Debt - Fiancee

My take: OP's fiance is a normal student in the USA these days. Who DOESNT have 100k in student loans? It seems to me like she will have a higher education level and earning potential than the OP. There's no evidence in his post that she's wreckless in any way. This situation is common and absolute...
by stoptothink
Mon Sep 17, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52986

Re: What is your luxury good?

At this point in my life, I think my luxury good is actually being able to provide nice things to those I love my wife as they actually enjoy them. Not to be superficial, but it may not be terrible to have a few nice things that your close family associates with you. Wait, hear me out! My low-maint...
by stoptothink
Sun Sep 16, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12155

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I'm always fascinated when people say they work 15-20 hour days 6-7 days a week. And frankly, it's hard for me to even believe. Here is a hypothetical schedule: Up at 5:30 Logged in at work at 6:00 Work straight through, no lunch break, until 18:00 Home and dinner eaten by 19:00 Logged back in at 1...
by stoptothink
Sun Sep 16, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52986

Re: What is your luxury good?

This question is relative. Yes, I agree but the intent was to make it personal --which by nature is relative. Luxury to me is a fresh towel (or two) every day at the YMCA while others find enjoyment in nice wine or travel to exotic places. There is no absolute standard for what is luxurious or extr...
by stoptothink
Sun Sep 16, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 3136

Re: Experiences downsizing to single car

Downsized to one car about a year and a half ago. The second car was older and probably averaged one drive per month in our last few years of ownership. It was so much easier than we feared, very limited impact to our lives and given the positive outcome I can't see us getting a 2nd car until our o...