Search found 3748 matches

by stoptothink
Tue Jan 16, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 45
Views: 2695

Re: Considering PhD...but so much to consider...

Perhaps your field is different, but in STEM you don't plan on walking out with your newly minted PhD and getting a $100k job. Typically the only options are PostDoc positions that pay ~$40k. This can last 3-6 years. I have many colleagues who are 5+ years out of the STEM PhD still making well belo...
by stoptothink
Tue Jan 16, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 45
Views: 2695

Re: Considering PhD...but so much to consider...

Would the PhD be about the money or would the PhD be about personal fulfillment? I'm lukewarm about seeing you do it for the money. I did mine for the personal fulfillment and the money just happened to be a secondary (BIG) side effect. This. Exact same boat. I went into it with a strong belief tha...
by stoptothink
Mon Jan 15, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 96
Views: 7629

Re: What is the best home exercise equipment?

You can get an incredible workout with just a medicine ball. ...or at the park or with a set of gymnastic rings or with nothing but a barbell or with nothing at all. There is no best answer to this question, it all depends on you. I've invested quite a bit of money into a very extensive home gym (~...
by stoptothink
Mon Jan 15, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 96
Views: 7629

Re: What is the best home exercise equipment?

Umm... If you think about buying home exercise equipment, don't. It's not a good financial decision. With $20 gym membership, you'll get an environment that you can focus on working out and getting the most out of your time. There's also add-ons such as sauna, swimming pool, basketball court, class...
by stoptothink
Sun Jan 14, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 307
Views: 21798

Re: What frugal thing did you do today?

You'll save money using the Instant Pot since it's cheaper than heating up the oven to cook food ---- so that's an additional frugal thing that you did. Good point! Amazon is temporarily out of stock and they are shipping it at some unknown date in the future. I am anxious to get it and try it out....
by stoptothink
Sun Jan 14, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 2998

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I adore the concept of a performance european sports wagon but 99% of people on the road will view it as a station wagon period. Seems like a high premium to pay to impress a few automotive cognoscenti. Buying a car to impress people you don't know is a fool's errand. Who cares what everyone else t...
by stoptothink
Fri Jan 12, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 51
Views: 4414

Re: Getting your spouse on the same page

It’s very common for married couples to disagree about money. I used to be a reckless spender but have completely turned it around and I am now a committed BH. I am having trouble getting on the same page with my wife. Has anyone else experienced difficulty in getting their spouse to follow a plan ...
by stoptothink
Wed Jan 10, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: When to upgrade House
Replies: 24
Views: 2363

Re: When to upgrade House

You don't have the income to support a 5 bed/3 bath. A couple observations: 1. You should be doing Pre-tax 401k. You need every dollar now. Pay the tax 30 years down the road. 2. I would prioritize Roth IRA over filling your HSA once you have a balance that can support your health expenses 3. It mi...
by stoptothink
Wed Jan 10, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 16835

Re: Any Porsche 911 owners here?

whether they want to admit it or not, wealth signaling is by far the most influential factor in anybody purchasing a P-car (or any anything of the like) to drive on the street. Don't think this is fair. The 911 does have capabilities that far exceed what is legal in the US on public road for sure. ...
by stoptothink
Wed Jan 10, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 71
Views: 6678

Re: New mattress

I'm a retired polymer chemist..."hyper-elastic polymer" could describe any polymer used in this product-space. Natural latex is a hyper-elastic polymer as is PU foam. There are many others (elastic polymers), but, in total, there are few elastic polymers that can be processed as, or into, foams...a...
by stoptothink
Tue Jan 09, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 16835

Re: Any Porsche 911 owners here?

whether they want to admit it or not, wealth signaling is by far the most influential factor in anybody purchasing a P-car (or any anything of the like) to drive on the street. Don't think this is fair. The 911 does have capabilities that far exceed what is legal in the US on public road for sure. ...
by stoptothink
Tue Jan 09, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 16835

Re: Any Porsche 911 owners here?

I imagine a 911 is a wonderful German car, but I've got to say, I'm having a blast with my German MKVI VW GTI Autobahn edition that I've taken to Stage 2 with Unitronic aftermarket parts (My particular GTI was also assembled in Germany). As modified, I feel like I can smoke most of what I pull up t...
by stoptothink
Tue Jan 09, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 142
Views: 16835

Re: Any Porsche 911 owners here?

I imagine a 911 is a wonderful German car, but I've got to say, I'm having a blast with my German MKVI VW GTI Autobahn edition that I've taken to Stage 2 with Unitronic aftermarket parts (My particular GTI was also assembled in Germany). As modified, I feel like I can smoke most of what I pull up t...
by stoptothink
Tue Jan 09, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 71
Views: 6678

Re: New mattress

No one has mentioned a Sleep Number mattress. We've been thinking about one. At least the concept seems sound. Any opinions? Slept one several dozen times while visiting the in-laws. Without a shadow of a doubt the most uncomfortable bed I have ever slept on that isn't filled with water, and it is ...
by stoptothink
Mon Jan 08, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 307
Views: 21798

Re: What frugal thing did you do today?

I purchased an Instant Pot on Amazon after reading the Instant Pot thread on Bogelheads. I used my Amazon Prime Card and saved 5%, plus I saved $10 by signing up for the automatic reloading of my gift card. So , I did spend money but got a $15 discount. You'll save money using the Instant Pot since...
by stoptothink
Mon Jan 08, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 708
Views: 182649

Re: Share your net worth progression

Hoping to hit $1m this year, a bit late at age 38 but I’m single (well, unmarried) which doesn’t help. Potential wife is kind of spendy. You know you're on Bogleheads when 38 is considered late to hit 2 comma status ;-) Lol.. I thought the same thing when I read that. That is 96th percentile based ...
by stoptothink
Sun Jan 07, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 307
Views: 21798

Re: What frugal thing did you do today?

I purchased an Instant Pot on Amazon after reading the Instant Pot thread on Bogelheads. I used my Amazon Prime Card and saved 5%, plus I saved $10 by signing up for the automatic reloading of my gift card. So , I did spend money but got a $15 discount. You'll save money using the Instant Pot since...
by stoptothink
Sun Jan 07, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 2998

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

Every car person should own an Amg wagon sometime in their lifetime! Says my brother who currently drives an e63 AMG wagon...not. Cool and unique car, but it has been a maintenance nightmare and he would like nothing more than for someone to take it off his hands. Hmm... Do you know how old his car...
by stoptothink
Sun Jan 07, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 398
Views: 30741

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

Other days I feel like...what the hell. 49k after credits ain't that bad for something I will drive for at least 7 years :mrgreen: :sharebeer That's how I feel about my nicely equipped 2015 Honda Accord. But it only cost $19k new. I could've bought 2 of them and had $11k left over. Yes, but the Mod...
by stoptothink
Sun Jan 07, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 2998

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

sambb wrote:
Sat Jan 06, 2018 7:04 pm
Every car person should own an Amg wagon sometime in their lifetime!
Says my brother who currently drives an e63 AMG wagon...not. Cool and unique car, but it has been a maintenance nightmare and he would like nothing more than for someone to take it off his hands.
by stoptothink
Sun Jan 07, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Buying a home - revisited
Replies: 8
Views: 484

Re: Buying a home - revisited

I live in a very HCOL area (there’s a house in my area that isn’t even finished, listed at 800K with not a lot of property) What are the benefits of buying a home? The whole “American Dream”/“pride of ownership” BS means nothing to me - so what are the actual benefits ? I keep hearing the same old ...
by stoptothink
Sat Jan 06, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 307
Views: 21798

Re: What frugal thing did you do today?

i worked at a job once where some people made less than 30K annually as hourly employees. i sat down with them at lunch one day, and ran an estimate of how much they spend on coffee/breakfast/lunch since they either order/stop and grab something on the way in every day. for people barely taking hom...
by stoptothink
Sat Jan 06, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 307
Views: 21798

Re: What frugal thing did you do today?

Afty wrote:
Sat Jan 06, 2018 2:04 am
Replaced the engine air filters and cabin air filter in my car by myself today. Super easy and saved probably $50 vs. having it done at a shop.
There are actual car owners who pay someone else to replace their engine and cabin air filters?
by stoptothink
Thu Jan 04, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Maintenance Contract - Worth it?
Replies: 17
Views: 539

Re: Annual Maintenance Contract - Worth it?

In my opinion, no. I check the heating/cooling components together in one annual check up. That service call should be 75-150. This. There is no way I'd sign an annual contract and that price is way above what I have seen. FWIW, we have a local company come out every summer to check our heating and...
by stoptothink
Thu Jan 04, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 8947

Re: How much do you spend on food per month, per person?

We live to eat, but we enjoy cooking at home in retirement for the healthier food, than when we eat out. No dollar amount for groceries. No Winco or Aldi in our area. We shop the weekly grocery specials, patiently aware of the cyclical rotation of the meat prices and choices, and liking the variety...
by stoptothink
Wed Jan 03, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1224

Re: Recommend me a backpack for business use

A relatively new company you've probably never heard of, Hylete, makes some pretty sturdy backpacks. https://www.hylete.com/backpacks I chose this one, which is pretty versatile. It separates into two packs and works great as a carry on, duffle, hand held, as well as a backpack. Check out the video...
by stoptothink
Tue Jan 02, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 162
Views: 17158

Re: Max It Out Tomorrow [your IRA]

Any one else maxing out the IRA contributions all in one go in 2018? :sharebeer Yep, took care of that yesterday. I am also going to try to significantly front-load my 401k this year, to the point where I'll just get the match about halfway through the year to hit the max. Will continue just DCA'in...
by stoptothink
Tue Jan 02, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Saving a little, here and there...
Replies: 21
Views: 3730

Re: Saving a little, here and there...

I have a few pairs of casual shoes (Vans, Reefs, a pair of Rainbow sandals) from high school (~20yrs) that I still regularly wear. No hint of stink and I have never owned a shoe tree. Even better, I have a few shirts from high school that are perfectly acceptable to still wear to work (a business c...
by stoptothink
Tue Jan 02, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 285
Views: 32535

Re: Netflix, Your Current Favorite Show

The story behind Icarus is incredible... The story is so unbelievable it didn't seem real. If you have any interest in the Olympics or sports in general it's a must watch documentary. Having spent a long time in the athletic performance industry, let my assure that it was very real; at least the di...
by stoptothink
Sun Dec 31, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9202

Re: I Want to Buy a Horrible, Expensive Car

Didn't see the Porsche Macan in this discussion. I've got a '15 Macan Turbo that has 400hp and 406 ft-lbs of torque. Never used launch control and it mostly sits in the garage, not because I'm afraid to drive it, but because with Amazon Prime etc I just don't need to drive as much. And I take Uber ...
by stoptothink
Sat Dec 30, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: New Job Offer Dilemma
Replies: 20
Views: 1590

Re: New Job Offer Dilemma

IMO, $20k doesn’t even come close to being enough to transfer to that company: the loss of PTO, the commute time and wear and tear on your vehicle, the loss of match on 401k, the instability of the company .... some other company....but not that one This. I was in a (somewhat) similar position 3yrs...
by stoptothink
Sat Dec 30, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7067

Re: The Economics of a new Puppy

Also, it is a good measure of ethical character whether someone always picks up the dog poo or leaves it for someone to step on later. Oh man, this +10000. I am so close to installing a CCTV system on my property because their is constantly dog poop all over my tiny little lawn. It is the longest r...
by stoptothink
Sat Dec 30, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7067

Re: The Economics of a new Puppy

Several years ago our young teen daughter finally wore me down and we got a yellow lab mix dog. She’s about 65 lbs. got her from shelter. She is a sweet dog, but in retrospect was probably a mistake. Daughter contributes very little to care. I do all the work. My wife doesn’t much like dogs. Dog sh...
by stoptothink
Sat Dec 30, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Small Windfall
Replies: 11
Views: 1529

Re: Small Windfall

With regards to the student loan, if you can shave 4 years off of doing work you'd rather not do, it's probably worth paying it off even if the numbers don't strictly favor it. How on earth do you figure you can retire at 35? I have you at 234k, plus 120k more from maxing TSP and Roth for 5 years =...
by stoptothink
Sat Dec 30, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Saving a little, here and there...
Replies: 21
Views: 3730

Re: Saving a little, here and there...

I've always wondered about this...wearing shoes that are 20+ years old. I get that you can get them restored or whatever, but don't they start to get a bit stinky after all that time? Good pair of cedar shoe trees will keep them smelling fresh... I have a few pairs of casual shoes (Vans, Reefs, a p...
by stoptothink
Sat Dec 30, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10789

Re: Another should i buy my dream porsche thread...

Yes most of the exotics are not driven to work on a daily basis. In fact the parking lot is most expensive on Fridays. Sorry if i keep replying to the thread to keep the conversation going. I thought this was a discussion board. Feel free to not read my posts any longer, I am sure both you and I wi...
by stoptothink
Sat Dec 30, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10789

Re: Another should i buy my dream porsche thread...

As far as being actionable, this forum is full of people asking for opinions on what to do with their money. This is just another one. OP has clearly stated, several times, that their mind is made up and nothing is going to change it, but that they just wanted other people's opinions. Why? My only ...
by stoptothink
Fri Dec 29, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10789

Re: Another should i buy my dream porsche thread...

As far as being actionable, this forum is full of people asking for opinions on what to do with their money. This is just another one. OP has clearly stated, several times, that their mind is made up and nothing is going to change it, but that they just wanted other people's opinions. Why? My only ...
by stoptothink
Fri Dec 29, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10789

Re: Another should i buy my dream porsche thread...

Agreed. Fortunately for me the 911 would be a weekend / night out with the wife car. Our DD is the wife's Audi Q5. We work in the same office building so we have shared a car for 3 (almost 4 years now). Not to mention this would keep the miles on the 911 down to less than 3k per year. Man, you sure...
by stoptothink
Fri Dec 29, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for financial aid with high income
Replies: 50
Views: 3041

Re: Applying for financial aid with high income

Btw, you didn’t ask, but I disagree, respectfully, with @student above. Our personal experience is that the benefits of a selective private compared to a less expensive school extend beyond networking, although the networking is remarkable. No offense, but your stance is likely skewed by the fact t...
by stoptothink
Fri Dec 29, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10789

Re: Another should i buy my dream porsche thread...

Agreed. Fortunately for me the 911 would be a weekend / night out with the wife car. Our DD is the wife's Audi Q5. We work in the same office building so we have shared a car for 3 (almost 4 years now). Not to mention this would keep the miles on the 911 down to less than 3k per year. Man, you sure...
by stoptothink
Fri Dec 29, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 10789

Re: Another should i buy my dream porsche thread...

The only people I know with six figure cars are multi-millionaires. Actually most of the multi millionaires I know don’t have six figure cars. I don’t think you can afford this at all. It is pure insanity to me. For what it’s worth our household income and net worth are higher. My splurge was a low...
by stoptothink
Fri Dec 29, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for financial aid with high income
Replies: 50
Views: 3041

Re: Applying for financial aid with high income

Btw, you didn’t ask, but I disagree, respectfully, with @student above. Our personal experience is that the benefits of a selective private compared to a less expensive school extend beyond networking, although the networking is remarkable. No offense, but your stance is likely skewed by the fact t...
by stoptothink
Thu Dec 28, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: A Year of Extreme Frugality
Replies: 48
Views: 4619

Re: A Year of Extreme Frugality

In finishing the last 2yrs of my PhD ('11-'12), I lived of <$10k/year, and one of those years was renting my own apartment (the other, I had 2 roommates). FWIW, I was at the time still making ~$55k, so I was saving a ton of money in the process. To say some of my lifestyle decisions were extreme is ...
by stoptothink
Thu Dec 28, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7493

Re: What non fiction book will you be reading in 2018?

I've read Angela Duckworth's "Grit", "What Doesn't Kill Us" by Scott Carney, and "Drop Dead Healthy" by AJ Jacobs. Up until this point in 2017, I had actually written more books (2) than I had read. My thirst for the written word is significantly blunted when I am reading several hundred pages of s...
by stoptothink
Thu Dec 28, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 127
Views: 7493

Re: What non fiction book will you be reading in 2018?

I've read Angela Duckworth's "Grit", "What Doesn't Kill Us" by Scott Carney, and "Drop Dead Healthy" by AJ Jacobs. Up until this point in 2017, I had actually written more books (2) than I had read. My thirst for the written word is significantly blunted when I am reading several hundred pages of sc...
by stoptothink
Sun Dec 24, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5622

Re: Not investing through your 30's

And...when did this conversation switch to the 30's? Not enough "living" in your 20's that the YOLO mindset needs to be maintained another entire decade? Giving most of them the benefit of the doubt...the job market is flooded with fresh college grads each year trying to fill more openings than the...
by stoptothink
Sun Dec 24, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 5622

Re: Not investing through your 30's

Doesn't have to be either/or. Save some, spend some. The foundation of my financial independence was set in my late 20s/early 30s when I started investing after grad school. 8th wonder of the world is what Einstein called it. https://www.bogleheads.org/wiki/Importance_of_saving_early Seems pretty s...
by stoptothink
Sat Dec 23, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 8947

Re: How much do you spend on food per month, per person?

We live to eat, but we enjoy cooking at home in retirement for the healthier food, than when we eat out. No dollar amount for groceries. No Winco or Aldi in our area. We shop the weekly grocery specials, patiently aware of the cyclical rotation of the meat prices and choices, and liking the variety...
by stoptothink
Sat Dec 23, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4338

Re: Lunch Ideas

Re: Peanut butter -- I love it! I mean, I seriously love it! I would eat it off a spoon like ice cream! As a result, I had to switch to peanut powder to reduce my intake. It was becoming quite a problem. So now I buy Protein Plus, Roasted All Natural Peanut Flour from amazon. There was an adjustmen...