Search found 5962 matches

by stoptothink
Sun Sep 22, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

But laundry is so trivial that I don't want to see any whining on bogleheads.org anymore about it. ;) My thought also. I am single, and I spend maybe three minutes loading the washer or transferring clothes to the dryer or folding dry clothes. Multiply that by 4, say, and it's still not a lot, espe...
by stoptothink
Sun Sep 22, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

But laundry is so trivial that I don't want to see any whining on bogleheads.org anymore about it. ;) My thought also. I am single, and I spend maybe three minutes loading the washer or transferring clothes to the dryer or folding dry clothes. Multiply that by 4, say, and it's still not a lot, espe...
by stoptothink
Thu Sep 19, 2019 4:46 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8565

Re: Do You Tip At Counter Service Restaurants?

tesuzuki2002 wrote:
Thu Sep 19, 2019 12:39 am
Nicolas wrote:
Sun Sep 15, 2019 2:22 pm
ssquared87 wrote:
Sun Sep 15, 2019 12:47 pm
I just click $0. I feel no shame
Me too.
#METOO


:thumbsup This is so easy for me, I just don't eat out and therefore don't worry about it, but the discussion is fascinating.
by stoptothink
Thu Sep 19, 2019 4:46 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8565

Re: Do You Tip At Counter Service Restaurants?

tesuzuki2002 wrote:
Thu Sep 19, 2019 12:39 am
Nicolas wrote:
Sun Sep 15, 2019 2:22 pm
ssquared87 wrote:
Sun Sep 15, 2019 12:47 pm
I just click $0. I feel no shame
Me too.
#METOO


:thumbsup This is so easy for me, I just don't eat out and therefore don't worry about it, but the discussion is fascinating.
by stoptothink
Wed Sep 18, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3976
Views: 1132069

Re: What Book Are You Currently Reading? Part VI

I received two books as a surprise gift from a friend who I recently reconnected with via a found unopened letter from 50 years ago. The books are:The Plant Paradox and Dr. Gundry's Diet Evolution by Dr. Steven Gundry. I am reading them out of respect for the friendship, but there are a lot of clai...
by stoptothink
Wed Sep 18, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

But laundry is so trivial that I don't want to see any whining on bogleheads.org anymore about it. ;) My thought also. I am single, and I spend maybe three minutes loading the washer or transferring clothes to the dryer or folding dry clothes. Multiply that by 4, say, and it's still not a lot, espe...
by stoptothink
Wed Sep 18, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4252

Re: Buying 1/2 pint drinks in bulk for lunches?

I'm going to sound like a geezer, but $1.10 for an 8 ounce milk is nuts. When I was a kid it was 3 cents for white and 4 cents for chocolate. . . School lunch milk was generally subsidized by the federal and state governments. An entire gallon of milk is <$2.50 here. There are 16 1/2 pints in a gal...
by stoptothink
Wed Sep 18, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4252

Re: Buying 1/2 pint drinks in bulk for lunches?

... Just curious - where are you getting 40 oz (2.5#) of natural peanut butter for ~$3.00. That is a spectacular price. Myprotein.com. I've got it for as cheap as $2.55/40oz. jar before using their rewards program and 7% cashback using Rakutan and Rakutan CC (was actually 11% back last time, as it ...
by stoptothink
Wed Sep 18, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 87
Views: 7060

Re: Best places to live to raise a family (cost doesn't matter)

IMO best place to live is near grandparents, siblings, cousins of your kids, family, friends, and community when raising a family. +100 on this We'll likely never leave Utah for this reason alone, although both wife and I would actually prefer Texas (where I lived for 5yrs). I was fortunate, I move...
by stoptothink
Wed Sep 18, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 470
Views: 21144

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Similarly, on expenses, you actually seem to have quite a few luxuries that most Bogleheads would counsel against, such as house cleaners, owning 2 new cars when only one partner works, lots of eating out, cable, etc. In fact, maybe I'm just biased because I am pretty frugal, but your expenses look...
by stoptothink
Wed Sep 18, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Plan for 2 Incomes to 1 and Mortgage Payoff
Replies: 15
Views: 1061

Re: Plan for 2 Incomes to 1 and Mortgage Payoff

There are many factors to consider but personally I feel that beyond the financial the key is "How does your wife feel about being a SAHM when both kids are in school the whole day"? If OP can't do it until the children are in school, what's with the guilt that she is not spending time with them? I...
by stoptothink
Wed Sep 18, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Oil and Gas?
Replies: 38
Views: 2929

Re: Bogleheads in Oil and Gas?

Not one myself, but my brother is a contractor in the industry. He just bought a new Porsche C4s and then was laid off 2 weeks later (traded in his AMG E63s - clearly he's not a Boglehead). He worked for Halliburton for about a decade and then has jumped from contract to contract the last 5yrs or s...
by stoptothink
Wed Sep 18, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

Yes, it really is subjective. Laundry is the least time-consuming and simplest household task; it’s the last one I’d pay someone else to do. Same for us. I kind of enjoy doing laundry. Also I've convinced my kids to fold and put away their own laundry for $1/load. Interesting! Want to do mine? I ha...
by stoptothink
Wed Sep 18, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 4766

Re: $2k repairs on $12K car

Are you going to buy a new car every time you need new brakes and battery? :oops: Seriously, these are not even "repairs" items, they are "regular maintaince". If this wasn't such a silly topic, I'd assume it's a troll. If OP is that concerned about maintenance, maybe car ownership isn't for them; ...
by stoptothink
Wed Sep 18, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2234

Re: Blue Apron for a sick friend?

If time and cooking expertise is the issue, I'm not really sure how Blue Apron would help other than the fact that you would be paying for their food. There are countless other options that will deliver completely prepared meals.
by stoptothink
Wed Sep 18, 2019 5:51 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1477
Views: 151819

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

"The Righteous Gemstones". I think there has been 5 episodes so far. Hilarious; and having lived for 5yrs where "mega churches" are the thing, far too realistic.
by stoptothink
Wed Sep 18, 2019 5:46 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8565

Re: Do You Tip At Counter Service Restaurants?

Yes, usually. I don't like doing it....I wish restaurant owners and other owners of establishments were forced to pay a minimum wage. I would rather them pay their employees more and charge me more for food and drinks, as the system should work and as it works in other countries. With a $15 minimum...
by stoptothink
Wed Sep 18, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 72
Views: 5340

Re: Alternatives to Subaru Outback?

Don't allow emotions to make a big financial decision like a vehicle. Whatever hurt your feelings at Subaru, ask yourself if you're using your head, or emotions, to walk away from the vehicle you actually want. The outback is a highly rated reliable and affordable vehicle and frankly there is nothi...
by stoptothink
Wed Sep 18, 2019 5:32 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads in Oil and Gas?
Replies: 38
Views: 2929

Re: Bogleheads in Oil and Gas?

Not one myself, but my brother is a contractor in the industry. He just bought a new Porsche C4s and then was laid off 2 weeks later (traded in his AMG E63s - clearly he's not a Boglehead). He worked for Halliburton for about a decade and then has jumped from contract to contract the last 5yrs or so...
by stoptothink
Tue Sep 17, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

Your original post said you are a one-income family, so I assume one of you is home with the kids? So I’d recommend a schedule for various chores — laundry on Tuesday, bathroom cleaning on Wednesday, etc. Once you get in a rhythm, you never get too far behind on any maintenance. Kitchen clean-up ne...
by stoptothink
Tue Sep 17, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

I'm just realizing how much time (and money) we save by not having a yard. As we consider moving to a SFH home, a large lot/yard is actually a negative. You're not wrong. I'm guessing you're in a condo now? I like having our yard and garage -- spouse is handy and fixing and making things is one of ...
by stoptothink
Tue Sep 17, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

I'm just realizing how much time (and money) we save by not having a yard. As we consider moving to a SFH home, a large lot/yard is actually a negative.
by stoptothink
Tue Sep 17, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 150
Views: 9754

Re: How do you spend money to gain time? (young family)

We have a lady that Cooks for us. Pretty reasonably priced. Not having to cook is a huge relief. Every now and then I still cook when we are off. We're probably going to start using a laundry service soon as well. I hate laundry. Is this for dinner every night? What kind of food does she make? How ...
by stoptothink
Tue Sep 17, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: I know you shouldn't try to time the market but what about the "housing market"?
Replies: 16
Views: 2103

Re: I know you shouldn't try to time the market but what about the "housing market"?

We live in a townhome that we'll have paid off in ~1.5yrs (<6yrs total). It's an ideal situation for me - I like the home and I have a walking commute - but the wife wants a SFH. We are slowly stashing cash away so that when the market crashes we'll have a downpayment to buy what we want and likely ...
by stoptothink
Tue Sep 17, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: How much house can we afford?
Replies: 15
Views: 1147

Re: How much house can we afford?

Questions: 1.Can we comfortably afford a 450-500K new construction house with about 10K/year in property taxes? I have always been a saver and I am very averse to financial stress, so I don't want to be house poor. 2. Does my reasoning for higher priced new construction make sense given the backgro...
by stoptothink
Tue Sep 17, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Butcher Box
Replies: 13
Views: 1778

Re: Butcher Box

Do you already spend $150 a month on beef? If not, this "discount" price is still just a way to spend more money. These subscription boxes are a total mystery to me. My wife's friend gets ones for make-up, clothing, and fitness-related snacks; they send you a box of random stuff which you probably ...
by stoptothink
Tue Sep 17, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8565

Re: Do You Tip At Counter Service Restaurants?

Our nation has gotten out of control with tipping. I was even prompted to tip for boarding my dogs recently. Last Saturday we went to see my little sister at a cross-country meet. Not only did it cost $8/person to get in (I've never previously been charged to see a high school x-country or track me...
by stoptothink
Tue Sep 17, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8565

Re: Do You Tip At Counter Service Restaurants?

Our nation has gotten out of control with tipping. I was even prompted to tip for boarding my dogs recently. Last Saturday we went to see my little sister at a cross-country meet. Not only did it cost $8/person to get in (I've never previously been charged to see a high school x-country or track me...
by stoptothink
Tue Sep 17, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 66
Views: 7048

Re: Time Saving Tactics: Kids Edition

My eating habits have been detailed countless times on this board. Nutrition/exercise/health is my passion and my career (I'm the chief health and exercise scientist for a health products megacorp). I'm not a competitive bodybuilder, but I eat like one; I eat the same thing day-in-day-out (have for...
by stoptothink
Tue Sep 17, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Worth it to upgrade 2nd car in 1.5 car household?
Replies: 28
Views: 2342

Re: Worth it to upgrade 2nd car in 1.5 car household?

A minivan or large SUV isn't necessary for 2 kids. I had to come to terms with this as I really like the idea and potential of a minivan but it really is overkill for us. We're leaving Thursday morning on a 10-day camping trip. 4 of us (kids 7 and 4), tent, sleeping bags, sleeping pads, 10 days of ...
by stoptothink
Mon Sep 16, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 470
Views: 21144

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Fellow educator here who applauds OP's success. For every OP there are 100 educators drowning in student loan debt, are underpaid, live paycheck to paycheck, and will never receive a substantial pension for various reasons. As for the haters, I think they exist for a variety of reasons: - education...
by stoptothink
Mon Sep 16, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: New iPhone on sale for $599.99
Replies: 52
Views: 3794

Re: New iPhone on sale for $599.99

People can get a pretty long life out of an iPhone, I know a couple of people who still use iPhone 6's (which were released 5 years ago). Some people don't have a traditional computer, but rather use their iPhone and/or iPad for all of their computing needs. hahahahahaha..... My "new" phone is an i...
by stoptothink
Mon Sep 16, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: New iPhone on sale for $599.99
Replies: 52
Views: 3794

Re: New iPhone on sale for $599.99

That is so much money for a cell phone. Doesn't seem worth it at all. If you use it only to make phone calls, I do agree with you. I recently noticed that my phone had tracked the amount of activity on my phone. I have averaged 13 hours a day. Thankfully, quite a bit is for things like navigation, ...
by stoptothink
Mon Sep 16, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 470
Views: 21144

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

It's a real stretch on your part to assume that the average Joe in California or elsewhere has access to Restricted Stock Units, Employee Stock Purchase Plans, annual bonuses, 401K matches and additional Social Security credits. What is your source for believing that this the case for the average m...
by stoptothink
Mon Sep 16, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 470
Views: 21144

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

There is plenty to learn from this thread such as how important it is to understand one's options and the tax code. Understand what exactly? Other then IRA and 401K a great majority of people on this board and outside this board are unable to significantly reduce their tax burden. Lets say I work a...
by stoptothink
Mon Sep 16, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 31
Views: 2284

Re: Best Triathlon Bike?

Currently deciding between these 3 options (2 Canyon Endurace, 1 Cannondale Synapse). Looking for speed but also comfort. How does the comfort compare? 1. https://www.cannondale.com/en/USA/Bike/ProductDetail?Id=70cdf8d4-6bef-4411-9680-ec54f519abbe&parentid=undefined 2. https://www.canyon.com/en-us/...
by stoptothink
Sun Sep 15, 2019 7:57 pm
Forum: Investing - Theory, News & General
Topic: Firstrade is hacked by HackerOne
Replies: 8
Views: 1702

Re: Firstrade is hacked by HackerOne

GoldenFinch wrote:
Sun Sep 15, 2019 7:50 pm
Who are ethical hackers? Just people exposing vulnerability?
Yes, the same thing as a "white hat hacker" https://searchsecurity.techtarget.com/d ... cal-hacker
by stoptothink
Sun Sep 15, 2019 7:46 pm
Forum: Investing - Theory, News & General
Topic: Firstrade is hacked by HackerOne
Replies: 8
Views: 1702

Re: Firstrade is hacked by HackerOne

HawkeyePierce wrote:
Sun Sep 15, 2019 7:35 pm
I'm willing to bet any sum of money that every broker has security vulnerabilities. This is a non-story.
My wife works at a pretty large data security firm (in sales). If people only knew who their ethical hackers have gotten into.
by stoptothink
Sun Sep 15, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Would you spend an extra day a week for 1 year working for a luxury
Replies: 27
Views: 2400

Re: Would you spend an extra day a week for 1 year working for a luxury

During my first real job shortly out of university, I was forced* to work 60-hour weeks for close to a year. It did pay time-and-a-half so I racked up the savings, which ultimately went toward a house down payment. So it's somewhat similar to your scenario. I would not do that again for any physica...
by stoptothink
Sun Sep 15, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8565

Re: Do You Tip At Counter Service Restaurants?

Why don’t we tip grocery store baggers? They’re also providing a service and are low paid. Many would say you should, and would in fact assert that anyone who provides any personal service whatsoever deserves a generous tip. And if you don't agree, and comply, you're simply a bad person. I scooped ...
by stoptothink
Sun Sep 15, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 229
Views: 19705

Re: Paying "early" on mortgage may be unwise

Not sure why this concept is so difficult, but they've missed it a solid 5x already. When we're maxing a pair of 401ks, roth IRA's, family HSA, and 529 (up to state max), putting the rest towards mortgage payoff may not be (in fact, it is unlikely to be) the best for peak wealth building, but Erwin...
by stoptothink
Sun Sep 15, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 229
Views: 19705

Re: Paying "early" on mortgage may be unwise

That example does nothing. My point was that we don't know whether stocks will outperform mortgage interest rates going forward. I showed you a relatively recent 10 year period where paying down one's mortgage was absolutely the superior move. Of course you can find periods where the opposite was t...
by stoptothink
Sun Sep 15, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 229
Views: 19705

Re: Paying "early" on mortgage may be unwise

If we knew that stocks would outperform the mortgage interest rate over the period of time that concerns us, it would be an easy choice. But we don't know that. U.S. stocks lost -2.73% real annually from 2000-2009. By your logic, everyone should be 100% stock (higher actually due to leveraging thei...
by stoptothink
Sun Sep 15, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 470
Views: 21144

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Ron Ronnerson wrote:
Sun Sep 15, 2019 2:29 pm
I guess luxury is in the eye of the beholder.
That statement could explain almost every single budget thread on this board. The car that we bought new for <$14k seems pretty luxurious for me, although it cost us less than 1 month HHI; my perspective on luxury is shared by few on this board.
by stoptothink
Sun Sep 15, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: College savings options
Replies: 23
Views: 1925

Re: College savings options

I am sorry if any of my postings were offending in any way I think I am not educated completely on what options I can use for college Savings and was looking for options to fund for my kids I think with high tax bracket I cannot do Roth IRA. Sorry again, if any of my posting words have offended any...
by stoptothink
Sun Sep 15, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 470
Views: 21144

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Many people take great comfort in the false belief that their low savings rates are the fault of society and not their own choices. This attitude transcends the Bay Area. I know many people who believe versions of this, yet I know from my own interactions with them just how wasteful their spending ...
by stoptothink
Sun Sep 15, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: College savings options
Replies: 23
Views: 1925

Re: College savings options

We are in high tax bracket and live in Connecticut. I have read about 529, us saving bonds, ee bonds and I bonds, Roth IRA and some pre paid. It seems for high tax brackets, very few tax deferred options, for college savings. I feel it is not fair. Out of all these plans, 529 plan is only plan that...
by stoptothink
Sun Sep 15, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 31
Views: 2284

Re: Best Triathlon Bike?

Anyway, I do think for a 70.3 or longer distance comfort is a big factor - mostly because the more comfortable it is the more you are likely to go out training and the number and quality of training miles will make more difference than slight differences in weight or aero shaping. +1 As a former tr...
by stoptothink
Sun Sep 15, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: BMW - extended warranty?
Replies: 28
Views: 1726

Re: BMW - extended warranty?

I do not think I'd ever buy anything I thought an extended warranty would be required for. That would essentially be admitting I'm buying something that I do not think is reliable enough for me to own. When I was buying our Jetta 3yrs ago the finance guy pulled the "do you know how much it costs to...
by stoptothink
Sat Sep 14, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 229
Views: 19705

Re: Paying "early" on mortgage may be unwise

The subject is misleading. And this part in OP should be highlighted. If you want to pay extra principal on the mortgage (to reduce interest paid), you must specifically identify such extra to the lender so that the principal is reduced. [/b] Banks have become greedier. I paid off my mortgage early...