Search found 3961 matches

by stoptothink
Thu May 17, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 4451

Re: How to think about schools/homes (Greatschools/Niche)

I would also be careful sending my kid to the lowest rated high school just to increase chances for high school. It really boils down to the individual kid. My son is a freshman at a 7/10 rated school and just finished taking AP Calc BC, AP Physics 1 and AP Comp Sci A. He gets along well with every...
by stoptothink
Wed May 16, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 7455

Re: Can a <median household save 1 year of expenses every year?

Of course it's possible. The question is whether the household is willing to cut spending far below the median to get there. Depending on one's location, that may involve sacrifices few are willing to make. +1. KlangFool This thread got ridiculous really fast with semantics and moving of the goalpo...
by stoptothink
Wed May 16, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 4261

Re: New motorcycle rider

As an experienced rider who has logged 65,000 miles, I advise you to forget it. It is incredibly dangerous out there today due to distracted drivers, and motorcyclists are extremely vulnerable. I got hit by a deer going 65 mph and suffered some serious injuries, and I was wearing all the safety gea...
by stoptothink
Tue May 15, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 7455

Re: Can a <median household save 1 year of expenses every year?

FWIW, no I am not in grad school (already have a PhD) and my income is slightly north of 100k, as is my wife's (who is finishing her undergrad while working full-time). You're doing great and I admire both you and your wife's work ethic, and financial responsibility but you missed the topic of the ...
by stoptothink
Tue May 15, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 7455

Re: Can a <median household save 1 year of expenses every year?

FWIW, no I am not in grad school (already have a PhD) and my income is slightly north of 100k, as is my wife's (who is finishing her undergrad while working full-time). You're doing great and I admire both you and your wife's work ethic, and financial responsibility but you missed the topic of the ...
by stoptothink
Tue May 15, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 7455

Re: Can a <median household save 1 year of expenses every year?

To those talking about grad school days and to Triceratop... could you pull that off with a family and all involved there? That's what I think of when the median household is talked about. Not single folks with little responsibilities and minimal bills. If my wife was willing to stay home and not c...
by stoptothink
Tue May 15, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 305
Views: 20368

Re: Lucrative careers?

the thing that scares me about tech is that the barrier to entry has become extremely low. demand is so high that people can now go into boot camps, study for 3-6 months, and get an entry level position. it feels like a bubble is forming and when it bursts it's going to be really bad, but i also ca...
by stoptothink
Tue May 15, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 7455

Re: Can a <median household save 1 year of expenses every year?

To those talking about grad school days and to Triceratop... could you pull that off with a family and all involved there? That's what I think of when the median household is talked about. Not single folks with little responsibilities and minimal bills. If my wife was willing to stay home and not c...
by stoptothink
Mon May 14, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Can a <median household save 1 year of expenses every year?
Replies: 158
Views: 7455

Re: Can a <median household save 1 year of expenses every year?

Is there anyone here, in this forum, that lives in a household making less than $59,000 gross income per year that saves as much money as they spend, every year? Currently we save over twice annual expenses as a household, but our income is obviously well above median. While in grad school (7yrs ea...
by stoptothink
Mon May 14, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 305
Views: 20368

Re: Lucrative careers?

RNs don't make 100k. I agree, some can - especially in managerial -RN director - positions after years of experience but generally they wont. Also, with Overtime, locums, and so forth they can make good money that way. CRNAs can break that level and so can NPs but the ceiling is usually around 150 ...
by stoptothink
Sat May 12, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 305
Views: 20368

Re: Lucrative careers?

Pharmaceuticals R&D is dead. Heck they don't even directly hire scientists and instead use staffing/contract agencies. Unemployment is high. Where did you hear biology jobs pay $60k I have an MSc in Chemistry-biochemistry and routinely hang up on recruiters offering $15-20 per hour with no or awful...
by stoptothink
Sat May 12, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 65
Views: 4675

Re: Advice on building a timeless mens wardrobe?

I'm 34 and I think the biggest plus I've found is first concentrating on keeping a healthy weight/frame. If you're out of shape or obese, it won't matter how much you spend on clothes. A guy in decent shape wearing a $20 Kohl's brand polo will look better than a guy with a beer gut in a $300 tailor...
by stoptothink
Sat May 12, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 305
Views: 20368

Re: Lucrative careers?

I’m 26 years old planning on going back to college to finish my undergrad and I’m unsure what I want to do as a career. I thought maybe bogleheads may have some suggestions. I’d like to someday make 100k a year (who wouldn’t) Careers I’ve looked into are: -Law (I love law, I read law books for fun,...
by stoptothink
Thu May 10, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 5928

Re: Do we spend too much on food?

According to the BLS (instead of anecdotes): The portion of a Seattle household’s budget spent on food, 13.6 percent, was not significantly different from the 12.6-percent U.S. average. Seattle-area households spent $5,938, or 58.3 percent, of their food dollars on food at home and $4,240 (41.7 per...
by stoptothink
Thu May 10, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2116

Re: 36" or 42" wide Refrigerator?

Larger capacity fridges can lead to what I call "condiments and compost". Especially deep fridges, where you can hide layers of stuff behind stuff way in the back. My mother has such a huge, deep fridge and it is a nightmare. If you get a wide fridge, you may be able to get away with having it be s...
by stoptothink
Tue May 08, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5921

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Why are you going at this backwards? Find out what type of car you need, do research, look at the prices, and go take some test drives. The. Decide what is out of your price range. Nobody says, “How much should I spend on groceries every week based on my income?" Why do that with a car unless you d...
by stoptothink
Mon May 07, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: AMC Movie Theaters -- typical OR not?
Replies: 61
Views: 4360

Re: AMC Movie Theaters -- typical OR not?

Sure, if you're happy with your price, that's what it buys. On Tightwad Tuesday at the local second run theater here it's like 75 cents a ticket (regularly $1.50) So I guess if I'm going to spend >10 times as much, I would expect some of the niceties you mention. In big cities, a movie ticket may b...
by stoptothink
Mon May 07, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7870

Re: What career for smartest kid in the class?

I retired from Cardiology 13 years ago at age 54. If I were doing it now, I would choose a career other than Medicine. The average med school debt is $195,000, and we have turned physicians into professional students. If you start med school at age 25 and want to be a Cardiology subspecialist, you ...
by stoptothink
Sun May 06, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 7870

Re: What career for smartest kid in the class?

As you point out, if you value compensation above all else there are better options - MBA/commercial real estate/etc etc. Possible compensation. As far as compensation guarantees, nothing comes close to medicine. Things may not be what they used to be in medicine, but the complaints about compensat...
by stoptothink
Sun May 06, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15305

Re: Is Los Angeles a good place long term to live financially?

I lived in LA for 4 years and absolutely despised nearly everything about it. I met a guy like you once, thirty years ago. Can’t say it’s happened a second time, though. As someone who was raised in LA and literally couldn't be paid to live there again, and has parents and 3 of 4 siblings who are o...
by stoptothink
Thu May 03, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3898

Re: Costco Vs Amazon Prime

I like the simple advice that boils down to "eat REAL food, not too much, mostly plants...." And anyway, Michael Pollan points out in great detail in one of his books that there’s a vast difference between the “organic” that’s being sold in places like Costco, and the mental image we have when we t...
by stoptothink
Thu May 03, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3898

Re: Costco Vs Amazon Prime

Why should I intake sugar for unnecessary reasons? What is sugar doing in my chicken in the first place are the right questions you should ask. These type of products are targeted towards uneducated unquestioning masses. Huh. I have an undergrad degree in biochemistry and cell biology, a doctorate ...
by stoptothink
Thu May 03, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 3898

Re: Costco Vs Amazon Prime

Why should I intake sugar for unnecessary reasons? What is sugar doing in my chicken in the first place are the right questions you should ask. These type of products are targeted towards uneducated unquestioning masses. Huh. I have an undergrad degree in biochemistry and cell biology, a doctorate ...
by stoptothink
Thu May 03, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Budget for kid's sport?
Replies: 49
Views: 2232

Re: Budget for kid's sport?

But...for goodness sakes...what family can devote so much time and money to a child's hobby!?!?!? For some reason, there are parents out there that do believe their child will be the next (insert professional athlete name here). My background is in strength & conditioning, I spent the early part of...
by stoptothink
Thu May 03, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3497

Re: Not Wasting Food

I don't plan meals as well as I should. When deciding what to eat, this is my decision path: 1) fresh before frozen; 2) frozen before canned/shelf items; 3) canned/shelf items are last. Before running out to the grocery store for dinner items I see what I can create from existing supplies. I wish p...
by stoptothink
Wed May 02, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3497

Re: Not Wasting Food

In all likelihood, the quickest and most accurate way to evaluate someone's health, without seeing or talking to them, is to look at their garbage can. http://journals.plos.org/plosone/article?id=10.1371/journal.pone.0195405 Come Tuesday night (trash bins are picked up on Wednesday) several of my ne...
by stoptothink
Wed May 02, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10017

Re: Have you quit eating sugar? Tell me how!

I eat a lot of whole fruit - fresh, dried, frozen - and have close to zero desire for refined sugar of any kind - including things like honey. I have also eliminated other sweeteners as well. If you eat dried fruit, no wonder you don't have any desire for refined sugar. Dried fruit contains a lot o...
by stoptothink
Wed May 02, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10017

Re: Have you quit eating sugar? Tell me how!

Eliminating "sugar" is a good thing, but if your carb intake is still high that's just getting turned into glucose in your body anyhow and you'll have the same insulin spikes etc. Eating different forms of sugar affects insulin output differently, for instance drinking a soda will affect it differe...
by stoptothink
Wed May 02, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Help me get on top of some debt before college expenses arrive...
Replies: 50
Views: 2755

Re: Help me get on top of some debt before college expenses arrive...

I think $100K is about the minimum for a 4 year degree these days without significant merit/need based scholarships or grants. Not to continue this tangent, but it is highly dependent on where you decide to go to school. The total tuition+fees cost of a 4 year degree for the two best universities i...
by stoptothink
Wed May 02, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Help me get on top of some debt before college expenses arrive...
Replies: 50
Views: 2755

Re: Help me get on top of some debt before college expenses arrive...

I think $100K is about the minimum for a 4 year degree these days without significant merit/need based scholarships or grants. Not to continue this tangent, but it is highly dependent on where you decide to go to school. The total tuition+fees cost of a 4 year degree for the two best universities i...
by stoptothink
Wed May 02, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Help me get on top of some debt before college expenses arrive...
Replies: 50
Views: 2755

Re: Help me get on top of some debt before college expenses arrive...

I think $100K is about the minimum for a 4 year degree these days without significant merit/need based scholarships or grants. Not to continue this tangent, but it is highly dependent on where you decide to go to school. The total tuition+fees cost of a 4 year degree for the two best universities i...
by stoptothink
Wed May 02, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Help me get on top of some debt before college expenses arrive...
Replies: 50
Views: 2755

Re: Help me get on top of some debt before college expenses arrive...

I would be very nervous paying 100% of your children's college expenses. No offense (did that work), but most of the people I know that had their parents do this, went on to make lifelong poor financial decisions. Much like you, they found themselves earning big money, but being completely immersed...
by stoptothink
Wed May 02, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10017

Re: Have you quit eating sugar? Tell me how!

Don't shop hungry and don’t buy it. It’s far easier to resist something in the store than in the cupboard. I don't know why this has to be so complex, it really is this simple. There is nothing ever in my home which contains added sugar. We have plenty of fruit for my kids (wife and I both limit ou...
by stoptothink
Tue May 01, 2018 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31185

Re: Those with high savings rate: why?

Because when I buy anything, it ultimately either breaks, stresses me out, doesn't give me the pleasure I expected out of the purchase, occupies my free time to maintain, is taxed/interest charges, teaches my children the wrong lessons, gets stolen, develops wear, depreciates (almost everything), c...
by stoptothink
Tue May 01, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 79
Views: 6245

Re: If you really like the CR-V, you should check out the [_____]

The car makers are moving to turbo 4s versus 6 cylinders because (I've read on the internet so it must be true*...) for a given power level, the turbo 4 gets a little better gas mileage. I really like the current generation of turbo 4s; excellent power, great torque. This shift to 4-cyl includes bo...
by stoptothink
Tue May 01, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5664

Re: Moving to The Woodlands,TX

Grew up in Houston. The summer is 7 months. That's seven. Horrible heat and humidity. I'm not going back unless I'm in handcuffs. I'm in the Albuquerque area now. Best weather in the country, IMHO. That’s an exaggeration. The truly miserable season lasts from mid June to mid September-ish. The 8 we...
by stoptothink
Tue May 01, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2362

Re: Bicycle Questions

I bought a couple of bikes from Nashbar, the Flatbar hybrid models. They go between $250 and $300, depending whether you want to have disc brakes or not. They have nice aluminum frames and come with Shimano components -- low end, but more than enough for someone who doesn't do 30 miles a day or rac...
by stoptothink
Sat Apr 28, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10107

Re: Wedding - financial burden on couple and attendees

You've never attended a wedding which did not "require you to book a flight and hotel"? I find that extremely difficult to believe. Actually, there was one wedding I attended where I chose to drive 10 hours instead of fly, since I was going to be there several days and that way I didn't need to ren...
by stoptothink
Sat Apr 28, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10107

Re: Wedding - financial burden on couple and attendees

I've never attended a wedding that didn't require me to book a flight and hotel , even those that weren't "destination" weddings. Gone are the days where both families grew up and stayed in the same town. When in the wedding party I had to rent tuxedos and help with some incidentals. As a normal gu...
by stoptothink
Fri Apr 27, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10107

Re: Wedding - financial burden on couple and attendees

Destination weddings put the cost on other people. I object to that. It makes me cringe to think of it unless you are willing to pay airfare and lodgings for everyone invited. People choose destination weddings so that they can invite the people they're obligated to invite without having them actua...
by stoptothink
Thu Apr 26, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10107

Re: Wedding - financial burden on couple and attendees

The usual problem is that mother-in-law(s) think it is their wedding rather than their child's wedding! Yes, it is somewhat sexist but generally father-in-law(s) don't think in similar terms. My anecdotal experience was the opposite. My former FIL was the primary reason for the big, expensive weddi...
by stoptothink
Thu Apr 26, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or build
Replies: 21
Views: 1490

Re: Buy or build

As you might or might not have seen, I was wrestling with whether to consider undertaking an expensive new build even though we generally like our existing house (would have been to get a larger lot) In your case however, I would say GO FOR IT . You have already come this far, you already own the l...
by stoptothink
Thu Apr 26, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10107

Re: Wedding - financial burden on couple and attendees

I think we paid something between 40-45k for our wedding. Two big polish families, no way around that. (ok, fine, sure there are - it's a choice). A destination wedding would be infinitely cheaper. Some of our costs: Hall (dinner and alcohol) - $19,000 Photos - $5,500 Video - $1,200 Big Limo - $1,0...
by stoptothink
Thu Apr 26, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10107

Re: Wedding - financial burden on couple and attendees

Destination weddings are WAY cheaper on the couple than traditional weddings. What they're doing is smart if they're as broke as you say they are. It is obviously way more expensive on guests. We paid less than 5k for our Mexico wedding and the guests got to go for less than 2k if they wanted. We h...
by stoptothink
Thu Apr 26, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5727

Re: Comfortable Commuter Cars under $50K

If I had your budget I would look into the Hyundai Genesis. I’ve never driven one but others I know seem to like them. I have a Jeep Grand Cherokee I drive from time to time for my commute and I think it’s pretty comfortable. Just drove it on a 1200 miles road trip and it was great. This is what my...
by stoptothink
Wed Apr 25, 2018 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at age 40?
Replies: 158
Views: 16658

Re: Can I retire at age 40?

I realize that is crazy talk but I think I can pull it off... that is only 14 months away. I've been very fortunate in investing and business. Negatives to early retirement: 4 children under age 10 and future expenses for them (college etc) healthcare for 6. Positives: House and 2 newer vehicles pa...
by stoptothink
Wed Apr 18, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 15305

Re: Is Los Angeles a good place long term to live financially?

I understand what I’m trying to do is difficult, and might be overly ambitious for me at this time. BUT I think if I skipped going to school and just moved there, even for just a year, I could have a lot of fun and a great experience. Like I said, I’m thinking around ~5K a month for rent, ~4K a mon...
by stoptothink
Wed Apr 18, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 2524

Re: 2018 Honda Fit EX

Saw one on a lot yesterday. Dealer had added all of the typical junk such as paint protection, dent protection (New one to me), well mat, etc. that added up to $3,000+ for items probably costing the dealer $200. Hopefully, this is not a national trend. Tim We were very much considering one. I reall...
by stoptothink
Wed Apr 18, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Broke up with my girlfriend for financial reasons: crazy?
Replies: 53
Views: 3390

Re: Broke up with my girlfriend for financial reasons: crazy?

Not crazy at all, although I don't really agree with how that specific incidence was handled. The single greatest cause of marital strife is finances. You two didn't just see it different, sounds like you were on totally different ends of the spectrum. Disagreements about lifestyle expectations were...
by stoptothink
Wed Apr 18, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: [Balancing school workload and family time]
Replies: 15
Views: 668

Re: Child expenses - what to expect as your kids go from daycare to school

From middle school onward my kids were expected to do 6-8+ hours of home work every night. Sorry but this just de-railed the thread. I absolutely do not believe this. So basically, your kid worked 13-16 hour days from age 12-18? That is preposterous and so far out of the experience I've had. Middle...