Search found 4601 matches

by stoptothink
Tue Jan 22, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets not funding a 529?
Replies: 10
Views: 1024

Re: Any regrets not funding a 529?

We are very much on the fence about our responsibility to financially assist our children's (possible) future university education, but we had some cash left over at the end of the year after maxing all tax-advantaged retirement space and opened 529s instead of starting a taxable account and/or thro...
by stoptothink
Tue Jan 22, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed: wife seeking new job to escape megacorp hell
Replies: 44
Views: 3306

Re: Help needed: wife seeking new job to escape megacorp hell

One of the tagwords in tech right now is "customer success". Anybody who has customer-facing roles should have this in their job title or include it somewhere in their resume. My wife works in IT data security, technically her job title is customer success manager, but she's a salesperson. She does ...
by stoptothink
Tue Jan 22, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6249

Re: Paying thousands per ticket to attend the NFL Super Bowl?

The Superbowl is an experience similar to taking your kids to Disneyworld. It will cost money, and a lot of people will tell you it is not worth it. However, most of the people who actually go have a great time, and would consider going again. That goes for everything ; it's totally self-selecting....
by stoptothink
Tue Jan 22, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6249

Re: Paying thousands per ticket to attend the NFL Super Bowl?

The Superbowl is an experience similar to taking your kids to Disneyworld. It will cost money, and a lot of people will tell you it is not worth it. However, most of the people who actually go have a great time, and would consider going again. That goes for everything ; it's totally self-selecting....
by stoptothink
Tue Jan 22, 2019 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 72
Views: 5582

Re: Saving for 1-2 years rather than for a lifetime

If you are under 50 why at all bother with lifetime saving? Why not save for 1-2 years of expense and live a less saving-driven life? I've yet to hear anyone seriously say that they wished they had saved less than they did earlier in their life. Many, perhaps most, retirees don't think about in ear...
by stoptothink
Tue Jan 22, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6249

Re: Paying thousands per ticket to attend the NFL Super Bowl?

$3,400 WOW. I had no idea people would pay that much to see a football game. I'm not a sports fan, so I wouldn't go if it was free. But $3,400... that's amazing. While we're on the subject of cruise ships, I agree with theplayer11, I'm scared of them, too top heavy, plus they say every time you tur...
by stoptothink
Tue Jan 22, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6486

Re: Grocery shopping strategy

I don't shop at Walmart because they pay their employees so badly that we wind up paying part of their living expenses through food stamps, etc. So, not only more costly that it looks, but ethically sucks. The base starting pay for a WalMart employee is $11. If you listed the stores you generally f...
by stoptothink
Tue Jan 22, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 100
Views: 6448

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

My grandfather was a very successful physician who owned a 15+ provider family practice. My mother worked for him for over 30 years, first as a medical assistant then the last 10yrs as office manager. He was an interesting guy, had Asperger's (like myself) and did not have any close relationships. M...
by stoptothink
Mon Jan 21, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6486

Re: Grocery shopping strategy

My groceries come from a mixture of farmers markets (from April to November), Whole Foods, Safeway, and several neighborhood specialty stores. Yes, it's similar to holding individual stocks (which I would never do), but it works for me. All of them are within one mile from home, and I know which pr...
by stoptothink
Mon Jan 21, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 33
Views: 1632

Re: Wills- Options other than family/charities?

My grandfather left a 7-figure amount to his church (in the form of two properties both worth $1m+ individually) along with significant amounts to his long-time gardener, the bishop of his church, the man who took care of his birds, a friend who he'd met while on a trip to China (who the rest of the...
by stoptothink
Mon Jan 21, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6486

Re: Grocery shopping strategy

] Meat, produce, and deli items at Walmart is of the same quality as other places. Apples, spinach, Butterball deli turkey, 90/10 ground beef and boneless chicken breasts are not less healthy because they're from Walmart, as far as I know. Unless you personally grow the produce or raise the animals...
by stoptothink
Mon Jan 21, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6486

Re: Grocery shopping strategy

My groceries come from a mixture of farmers markets (from April to November), Whole Foods, Safeway, and several neighborhood specialty stores. Yes, it's similar to holding individual stocks (which I would never do), but it works for me. All of them are within one mile from home, and I know which pr...
by stoptothink
Mon Jan 21, 2019 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 72
Views: 5582

Re: Saving for 1-2 years rather than for a lifetime

I guess I fail to see how saving and the type of goals you list are at odds. If anything having a healthy savings gives you MORE freedom to do these kind of things. On the surface this sounds like someone trying to justify their spending habits. I don't understand how having a solid financial found...
by stoptothink
Mon Jan 21, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6249

Re: Paying thousands per ticket to attend the NFL Super Bowl?

$3,400 WOW. I had no idea people would pay that much to see a football game. I'm not a sports fan, so I wouldn't go if it was free. But $3,400... that's amazing. While we're on the subject of cruise ships, I agree with theplayer11, I'm scared of them, too top heavy, plus they say every time you tur...
by stoptothink
Mon Jan 21, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6249

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I would much rather watch any football game on television where I can actually see plays and replays without the need for binoculars. It is also nice that I don't have to walk a mile or wait in line to use a restroom or purchase expensive food. I also like the ability to enjoy the game with a few f...
by stoptothink
Mon Jan 21, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: What should be the minimum income to consider living in a HCOL?
Replies: 26
Views: 2364

Re: What should be the minimum income to consider living in a HCOL?

As a NYC native, I would say absolute minimum $500k/year to live nicely/comfortably. Left NYC years ago though- MCOL cities are the way to go. Yikes!!! For 500k,minimum, I wonder how you define "nicely/ comfortably". My sister lived in NYC for a decade (moved closer to me in Utah last year), was an...
by stoptothink
Mon Jan 21, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8203

Re: Divorce w/child. Spouse wants to move.

I would do anything to stay together for the sake of the child including working less and moving across the county. If you truly feel that you are the person to blame for the marriage ending you should move wherever your ex wants. I am sure you mean well, but this is just terrible advice. Yeah, I g...
by stoptothink
Mon Jan 21, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6486

Re: Grocery shopping strategy

Wondering if we're selling ourselves short. Walmart is not the cheapest place to shop; they’ve just done a great job marketing themselves as the cheapest. For certain items they are, at least in my area. Definitely not produce or meat, but many packaged foods. I stop there about once every other mo...
by stoptothink
Mon Jan 21, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8203

Re: Divorce w/child. Spouse wants to move.

I would do anything to stay together for the sake of the child including working less and moving across the county. If you truly feel that you are the person to blame for the marriage ending you should move wherever your ex wants. I am sure you mean well, but this is just terrible advice. +1.
by stoptothink
Sun Jan 20, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8203

Re: Divorce w/child. Spouse wants to move.

I guess I am missing something, if you are getting divorced why do you have to move. I get wanting to be close to your child, but then it seems like you are having all of the responsibility of marriage without the benefits... Id say let her move, and work out child living part of the year with you ...
by stoptothink
Sun Jan 20, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 119
Views: 6486

Re: Grocery shopping strategy

The only way to know is to do your own price and comparison shopping. Your local market and your individual shopping cart will be different than anyone elses. We do about the opposite of what you are thinking. We shop at Aldi for food. About once a month we will get a few things that are not availa...
by stoptothink
Sun Jan 20, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 45
Views: 2766

Re: Sicily over Italian cities?

Never visited Sicily or anywhere in Italy, but you may want to watch the Anthony Bourdain episode where he visits Sicily for some laughs. Teaser: he thought Siciliy was one of the least interesting places on the planet.
by stoptothink
Sun Jan 20, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8203

Re: Divorce w/child. Spouse wants to move.

I don't know if you missed my earlier post or it was just ignored but does your wife have family in the Southwest who will assist with childcare? I'll point out the obvious: she has no support system where she is in the NE and you spend most of your time with either your job or your side gig. She n...
by stoptothink
Sat Jan 19, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5102

Re: Is California worth the premium?

It sounds like you already answered your own question. Lived there for the first 23yrs of my life, it would take a 7-figure salary and the ability to work from home to even consider moving back. My mother and 3 of my 4 siblings have left in the last decade and have the same sentiment. I don't even ...
by stoptothink
Sat Jan 19, 2019 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8203

Re: Divorce w/child. Spouse wants to move.

OP, you really need to get lawyers involved here. If there are things you don't agree on like where to live and how to split assets, you need more than just mediation. JMHO Anecdotally, my sister is in a somewhat similar situation in California. She has a 4yr old daughter and the father is a crimin...
by stoptothink
Sat Jan 19, 2019 7:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16099

Re: Why are you NOT buying rental properties?

I've had a neighbor, who is an electrician, at my home all morning trying to figure out why 3 of my upstairs lights won't work. Our home was built in 2014 and the electrical is, according to him, a trainwreck; it's been 4 hrs and he still can't figure it out, but he's found all kinds of issues. I d...
by stoptothink
Sat Jan 19, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5102

Re: Is California worth the premium?

Lived there for the first 23yrs of my life, it would take a 7-figure salary and the ability to work from home to even consider moving back. My mother and 3 of my 4 siblings have left in the last decade and have the same sentiment. I don't even like visiting.
by stoptothink
Sat Jan 19, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8203

Re: Divorce w/child. Spouse wants to move.

OP, you really need to get lawyers involved here. If there are things you don't agree on like where to live and how to split assets, you need more than just mediation. JMHO Anecdotally, my sister is in a somewhat similar situation in California. She has a 4yr old daughter and the father is a crimin...
by stoptothink
Sat Jan 19, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 1821

Re: Importance of college summer internships??

Importance of college summer internships?? I can only give you my perspective in STEM fields as I am engineering manager and recruit a lot. Yes in STEM they mean a lot and we always look for leadership roles in resumes, you are in the right track about unpaid/paid internships and volunteering activ...
by stoptothink
Sat Jan 19, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8203

Re: Divorce w/child. Spouse wants to move.

I read the question as how much should I get paid to move? Kind of reads like how much will you pay me to continue to see my child? Without knowing the rest of the situation this is really a crappy selfish kind of thing to ask. Regardless, not enough info. I'd suggest professional legal advice. Huh...
by stoptothink
Sat Jan 19, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 122
Views: 12848

Re: How much money did you receive from family? (Gifts/inheritance)

$0 as of time of this post. However, I had a chance to help my father (mid 70's) go over his retirement accounts this past year, upon his request. The large sum of money and accompanied trust surprisingly left my very uneasy. I can't explain it. After 25 years of planning and grinding for a healthy...
by stoptothink
Sat Jan 19, 2019 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16099

Re: Why are you NOT buying rental properties?

I own multiple rental properties and manage them myself, and honestly they've been terrific investments and take very little of my time. However, I would NOT buy real estate if all of the following weren't true about me: 1. I have very flexible hours at my day job and can easily take time to deal w...
by stoptothink
Sat Jan 19, 2019 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16099

Re: Why are you NOT buying rental properties?

I've had a neighbor, who is an electrician, at my home all morning trying to figure out why 3 of my upstairs lights won't work. Our home was built in 2014 and the electrical is, according to him, a trainwreck; it's been 4 hrs and he still can't figure it out, but he's found all kinds of issues. I do...
by stoptothink
Sat Jan 19, 2019 1:14 pm
Forum: Personal Consumer Issues
Topic: Used electric car - a good deal?
Replies: 28
Views: 1538

Re: Used electric car - a good deal?

Have no personal experience, but I have steered 3 people to buying used Leafs (off-lease vehicles with <30k miles for $8-$10k) and they all have had good experiences. Pick one up before the EV tax credit is gone and the off-lease ones are no longer a bargain. Do you mean you can qualify for the tax...
by stoptothink
Sat Jan 19, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Used electric car - a good deal?
Replies: 28
Views: 1538

Re: Used electric car - a good deal?

Have no personal experience, but I have steered 3 people to buying used Leafs (off-lease vehicles with <30k miles for $8-$10k) and they all have had good experiences. Pick one up before the EV tax credit is gone and the off-lease ones are no longer a bargain.
by stoptothink
Sat Jan 19, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 122
Views: 12848

Re: How much money did you receive from family? (Gifts/inheritance)

Ha, I'd have something to offer if the question was how much have you given to your family. My mother is an amazing woman, raised 5 children on her own and then remarried in her mid 40's (after we were all grown and out of the house) and became a mother again, to a 9yr old and 2yr old. All the while...
by stoptothink
Fri Jan 18, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3136

Re: Any admission pointers from pre- med/ med students?

Wiser advice you'll never get. Sometimes these kids don’t have choices. My coworker’s daughter and my niece would like to stay in state for cheaper medical cost, but despite having high MCAT and high GPA from UCLA, they were offered expensive choices like WashU, well known medical school but privat...
by stoptothink
Fri Jan 18, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Any admission pointers from pre- med/ med students?
Replies: 58
Views: 3136

Re: Any admission pointers from pre- med/ med students?

Where you do your residency is far more important than where you go to medical school, so don't take out half a million dollars in student loans. Wiser advice you'll never get. Sometimes these kids don’t have choices. My coworker’s daughter and my niece would like to stay in state for cheaper medic...
by stoptothink
Fri Jan 18, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 91
Views: 7135

Re: Strategies to combat or justify lifestyle creep

I'd rather own a $20k car, and spend $30k on 300-600 little $50-$100 luxuries than spend $50k on a car. Or own a $20k car, and spend $30k on a boat and jetski. Or own a $20k car, and spend $30k on 3 totally awesome vacations. All those things would give me more pleasure than upgrading an existing d...
by stoptothink
Fri Jan 18, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 39
Views: 2831

Re: Netflix Recommendations

I really enjoyed Babylon Berlin. The "Big Lebowski" is back on there (for now). Conan O'Brien's "Conan without Borders" is enjoyable. This past weekend I watched Train to Busan, which is a good Korean zombie flick. The White Helmets is a good documentary about rescue workers in Syria. I watched Con...
by stoptothink
Fri Jan 18, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7123

Re: How much house can I afford (really)?

1. OP, if you buy the larger house, you will perhaps be happier for the first month or two, but then we as humans "level off" and the house will just kind of fade into the background. Your sense of normal will become the house and it won't be that new, special, awesome house anymore. Regardless of ...
by stoptothink
Thu Jan 17, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Have I Now Become Out of Touch Financially? Aging question...
Replies: 90
Views: 11137

Re: Have I Now Become Out of Touch Financially? Aging question...

I see the OP’s point though as many of you mentioned,it may be based on his location. Nonetheless, I see his point. I’m fairly young but the price of things in 2019 amazes me. I increase my income but then the finish line moves. I’m thankful I bought my house 5 years ago. No way I could afford it t...
by stoptothink
Thu Jan 17, 2019 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16099

Re: Why are you NOT buying rental properties?

28 year old here about to chime in. Naive perhaps, but I do want to own at least 2-3 rentals by the time I am 35. I already have one now, so far going smooth. It is a 3 bed 2 bathroom single family home. I live in 1 room and I have the other 2 rooms filled with friends. Mortgage is 1200, they pay 6...
by stoptothink
Wed Jan 16, 2019 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16099

Re: Why are your NOT buying rental properties?

Why not hire a good property manager. Yeah, it will take time and there are plenty of good and honest property managers out there. Been there, done that. Property managers charge 10%, which will suck the lifeblood out of any investment. And the one I had stole from me. She was the one that everyone...
by stoptothink
Wed Jan 16, 2019 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16099

Re: Why are your NOT buying rental properties?

Why not hire a good property manager. Yeah, it will take time and there are plenty of good and honest property managers out there. Been there, done that. Property managers charge 10%, which will suck the lifeblood out of any investment. And the one I had stole from me. She was the one that everyone...
by stoptothink
Wed Jan 16, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7123

Re: How much house can I afford (really)?

It's definitely within the realm of affordability in this situation, but IMO those seem like pretty small wants. There has to be a much more cost-effective means to addressing them.
by stoptothink
Wed Jan 16, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 5944

Re: Gillette Mach 3 alternatives

I've tried quite a few brands, usually from forgetting a razor when traveling (but once or twice just to experiment). Mach 3 is still the gold standard as far as I'm concerned. Not sure why anyone would feel the need to transition. Price and quality. Why pay more for the Mach3 when you can get as g...
by stoptothink
Wed Jan 16, 2019 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16099

Re: Why are your NOT buying rental properties?

Because I lost almost my entire life savings in real estate development during '07-'09 and of the 4 rental situations I have intimate details of (two brothers, a co-worker, and a neighbor), all have been a nightmare. My neighbor just sold, the other three wish they could sell but would likely all lo...
by stoptothink
Wed Jan 16, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 32
Views: 2359

Re: Swimming, do you? Advice sought.

I've done some sprint and Olympic distance Triathlons in my 20s and always struggled with the swimming part... I used to joke that I was glad they made you swim first because if you drowned then you weren't wasting your time doing the rest of the event. Part of my problem was swimming in natural bo...
by stoptothink
Tue Jan 15, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 10966

Re: Are You Dumping Netflix?

We and 2 of my other siblings are all on my mother's account; we share a premium account so our cost is going to go up a whopping $.50/month...I think we'll be OK. We are cutting Amazon Prime though, so not worth it at this point.