Search found 4092 matches

by stoptothink
Sat Jul 21, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 1838

Re: High school graduation monetary gift for nephew

Maybe I come from a dud family. I think the biggest check I got at graduation was for $20. I've actually not even heard of anyone giving $1000 for graduation. In my family, it was expected that we'd get good grades and graduate, failure would have been unheard of, and it wasn't really something tha...
by stoptothink
Fri Jul 20, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: I dont know how to spend money
Replies: 30
Views: 3098

Re: I dont know how to spend money

Don't sweat it. Count yourself lucky if you enjoy a frugal life. This phase may not last long. If/when you have a spouse and a kid you will have unlimited reasons to spend. +1. I am perfectly content living a life similar, perhaps even more spartan, than the OP and did so while I was single (despit...
by stoptothink
Fri Jul 20, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 45
Views: 2400

Re: suit shoe combo?

Eh....that style shoe is not right even for the sneaker/suit look. It would look like you just don't have a pair of dress shoes, not that you tried to be goofy or trendy. Grab a pair of red converse Chuck Taylor's and you have a winner.... This. I've worn Chuck's or Vans with a suit about a thousan...
by stoptothink
Fri Jul 20, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 1838

Re: High school graduation monetary gift for nephew

Wow you guys are cheap if $10k doesn’t matter you only go to undergrad once (hopefully) minimum $1000. Is that have done? Please relate your experiences in giving those size gifts. I personally don't think it's my job to "change his life". That's up to him and his parents. I hardly think $1k or $10...
by stoptothink
Fri Jul 20, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 1838

Re: High school graduation monetary gift for nephew

As always in these threads, I wish some of you were my aunts/uncles or came into my restaurant when I waited tables in high school. If I were to add up the combined monetary value of all the gifts (birthday, xmas, graduation, wedding) I've received from my 8 total aunts and uncles, it would be less ...
by stoptothink
Fri Jul 20, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 45
Views: 2400

Re: suit shoe combo?

Eh....that style shoe is not right even for the sneaker/suit look. It would look like you just don't have a pair of dress shoes, not that you tried to be goofy or trendy. Grab a pair of red converse Chuck Taylor's and you have a winner.... This. I've worn Chuck's or Vans with a suit about a thousan...
by stoptothink
Fri Jul 20, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 45
Views: 2400

Re: suit shoe combo?

Eh....that style shoe is not right even for the sneaker/suit look. It would look like you just don't have a pair of dress shoes, not that you tried to be goofy or trendy. Grab a pair of red converse Chuck Taylor's and you have a winner.... This. I've worn Chuck's or Vans with a suit about a thousan...
by stoptothink
Tue Jul 17, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 1965

Re: Heart Rate Monitors Fitbit vs. Garmin

Can't agree more with this. You really need to ask yourself why. Another highly competitive athlete (and former high-level triathlete like Lightheir) and exercise scientist for a living. I understand what both of you are saying. However, both of you are in the I’m guessing top 3% of the population ...
by stoptothink
Tue Jul 17, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 1965

Re: Heart Rate Monitors Fitbit vs. Garmin

It would be helpful to know WHY you want/need the HRM data at all. Fitbit and other companies have pushed these HRMs functionality as an added feature to outflank non-HRM competitors, but the value of HRM monitoring for those outside of serious endurance sports is highly questionable. I race endura...
by stoptothink
Tue Jul 17, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 9599

Re: Amazon Prime Day 2018

Psyayeayeduck wrote:
Tue Jul 17, 2018 6:27 am
I just want to remind everyone that just because something is on "sale" doesn't mean you are obligated to buy if you never needed it in the first place. Carry on.
Don't tell my MIL (and sometimes my wife) that...
by stoptothink
Mon Jul 16, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Job Change?
Replies: 7
Views: 752

Re: Job Change?

Considering you could easily live off the wife's income alone and still save some, you have the freedom to do whatever floats your boat. You could even both retire now and be in pretty safe position, so why continue doing something you hate? If the new job appeals to you, try it, but you don't reall...
by stoptothink
Mon Jul 16, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: New Career Advice? Would you do it?
Replies: 18
Views: 1664

Re: New Career Advice? Would you do it?

My best friend worked for about 5yrs for Fidelity before heading off to get his MBA at Wharton and now does very well in commercial real estate. He is very much a go-getter, as evidenced by Wharton, but he didn't get too far working for Fidelity (he did get all the certs you mentioned, including th...
by stoptothink
Mon Jul 16, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 69
Views: 4668

Re: $540 a month on food for graduate student budget too much?

I prepare all my meals for the week on Sunday and pack everything with me during the work week. Good to hear that I am no longer the only Boglehead who does this. I have done it for close to 20yrs, including the past 5 for my (now) 4 member family. Saves an amazing amount of time and money. I under...
by stoptothink
Mon Jul 16, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 50
Views: 5715

Re: Peloton spin bike worth the high cost?

Likelihood that someone finds practicing yoga in a third world setting attractive? Not very high. Likelihood that someone is drawn to practicing yoga with a glossy shoot done in a well-lit post industrial loft, in the company of the lithe and limber? Much higher. Same thing is going on here. YMCA h...
by stoptothink
Mon Jul 16, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 13054

Re: Saving 20% of paycheck isn't enough

We took a similar trajectory. Saved very little in my 20s. Fortunately, did not have student loans to repay, but didn't finish graduate school, and really start career, until age 32. Single income, with SAHM after that. The biggest thing we did was to not ramp up our lifestyle while our income grew...
by stoptothink
Mon Jul 16, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 69
Views: 4668

Re: $540 a month on food for graduate student budget too much?

I was a single PhD student in Houston 5yrs ago and spent 1/4 of what you currently are on food. I am not a small man and was a highly competitive triathlete at the time. If you can afford it, go right ahead, but you could cut that spending in half with very little effort.
by stoptothink
Sun Jul 15, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5475

Re: Is expensive olive oil worth it?

The chemical fingerprint of all aromatic oils is highly influenced by various geographic, terrain, climate, and harvesting factors. In my area of research (I am in science and research for the single largest company in a different oil industry), even the time of day in which the plant from which th...
by stoptothink
Sat Jul 14, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: New Career Advice? Would you do it?
Replies: 18
Views: 1664

Re: New Career Advice? Would you do it?

Working for any financial services firm and being successful means you have to be good at sales. Do you have any sales experience? You will be required to push Fidelity funds. Are you comfortable with that? I doubt most Bogleheads would be. Do you know what percentage of new recruits that Fidelity ...
by stoptothink
Sat Jul 14, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5475

Re: Is expensive olive oil worth it?

Thanks for the responses! Lots of good information to consider! Hopefully I can avoid the counterfeit products. Olive oil has a pretty low smoke point, so high-heat cooking probably robs it of the flavors, etc that presumably one would be using it for. That's mostly the type of cooking I do lately,...
by stoptothink
Sat Jul 14, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: New Career Advice? Would you do it?
Replies: 18
Views: 1664

Re: New Career Advice? Would you do it?

My best friend worked for about 5yrs for Fidelity before heading off to get his MBA at Wharton and now does very well in commercial real estate. He is very much a go-getter, as evidenced by Wharton, but he didn't get too far working for Fidelity (he did get all the certs you mentioned, including the...
by stoptothink
Sat Jul 14, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13304

Re: Early retirement

Spouse is trying to spend more so I may work more and compete with others and own more than others in her circle(and she can post more pictures on social media) - apparently that is success to her. I feel for you. This is a systemic problem that grew with social media. Good luck overcoming that one...
by stoptothink
Sat Jul 14, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Pay to be in school district or move?
Replies: 20
Views: 1041

Re: Pay to be in school district or move?

Food for thought: studies have consistently shown that moving a child from a "poor/low rated" school district to high rated school district had little to no effect on student achievement, test scores, or outcomes of said student. Students in "high rated" school districts have one thing in common......
by stoptothink
Sat Jul 14, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13304

Re: Early retirement

Is wondering what you will tell others really a concern? Why do you care so much what they think? FWIW, we are planning to retire in ~15yrs, I'll be 51 and the wife 47. We plan to wait that long only because we'd really like the kids to be done with high school and we both have a few things (profess...
by stoptothink
Fri Jul 13, 2018 4:47 pm
Forum: Investing - Theory, News & General
Topic: Home ownership vs investing -- condos vs renting, etc
Replies: 108
Views: 5250

Re: Home ownership vs investing -- condos vs renting, etc

Spot on. A lot of professional real estate investors with decades of experience got lulled into thinking that appreciation would always trump mortgage rates and went bankrupt in the last recession as a result (being leveraged to the hilt didn't help matters at all either). The numbers pale in compa...
by stoptothink
Fri Jul 13, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5475

Re: Is expensive olive oil worth it?

Thanks for the responses! Lots of good information to consider! Hopefully I can avoid the counterfeit products. Olive oil has a pretty low smoke point, so high-heat cooking probably robs it of the flavors, etc that presumably one would be using it for. That's mostly the type of cooking I do lately,...
by stoptothink
Fri Jul 13, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5172

Re: Would you trade experiences in your youth for early retirement

Slacker wrote:
Fri Jul 13, 2018 12:35 pm
If I could go back and take back 50% of the dollars I wasted on alcohol at bars and clubs in my 20s to pad my retirement accounts, I would do it in a heartbeat.
Or marrying my first wife...
by stoptothink
Fri Jul 13, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9483

Re: When does frugal cross the line to cheapskate?

BradJ wrote:
Fri Jul 13, 2018 12:46 pm
barnaclebob wrote:
Fri Jul 13, 2018 12:38 pm
You become a cheapskate when you shift the burden of your frugality onto others.
This should be the official definition.
+2. Said much better and more concise than my attempt.
by stoptothink
Fri Jul 13, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Which degree to pursue?
Replies: 18
Views: 1448

Re: Which degree to pursue?

At some point, usually after you have been working a while, the credential doesn't matter as much as the experience. Can't emphasize enough how accurate this is! +2. We've had such bad experiences hiring highly educated (science PhDs) with little work experience that we won't even interview them an...
by stoptothink
Fri Jul 13, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9483

Re: When does frugal cross the line to cheapskate?

Cheapskate can be a freeloader . This would be my opinion. When your frugality results in you freeloading off others, that's the line for me. I am admittedly probably one of the most frugal people on this board; I analyze every penny and manage to have our household spending <$45k with two kids in ...
by stoptothink
Thu Jul 12, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5366

Re: Anyone take naps at work?

To those saying napping is basically for "losers", you clearly don't understand the health benefits of proper sleep. You are confusing napping with proper sleep. Watch the TED talk linked by stoptothink in the message above, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=253719&start=50#p401...
by stoptothink
Thu Jul 12, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5366

Re: Anyone take naps at work?

To those saying napping is basically for "losers", you clearly don't understand the health benefits of proper sleep. You are confusing napping with proper sleep. Watch the TED talk linked by stoptothink in the message above, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=253719&start=50#p401...
by stoptothink
Thu Jul 12, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5366

Re: Anyone take naps at work?

To those saying napping is basically for "losers", you clearly don't understand the health benefits of proper sleep. You are confusing napping with proper sleep. Watch the TED talk linked by stoptothink in the message above, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=253719&start=50#p401...
by stoptothink
Wed Jul 11, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"
Replies: 58
Views: 6580

Re: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"

I think the guy that Josh talked to that "inspired" the article was me. I know I broached this topic with him at the conference, but lots of people talked with him. I certainly wasn't thinking it was a national bubble, more local; we bought ~3y ago for 250k a 3200sq ft split level home that we have...
by stoptothink
Wed Jul 11, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5366

Re: Anyone take naps at work?

It's definitely something to be aware of the expectations for, though. My last job was far more focused on getting your work done and taking a fair share of the load than what the clock says. If we're keeping up with our tasks and volunteering for new ones as they arise, we can have RC helicopter r...
by stoptothink
Tue Jul 10, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3397

Re: Car totaled by uninsured driver

would an insurance company push this to collections in an effort to get any $$ back from the guy? garnish a wage or something? to at least recoup some of the loss. Seems unfair for the guy to walk away 'scott free' after totaling someones car. That makes no sense. 4yrs ago, right after we had gotte...
by stoptothink
Sun Jul 08, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 2913

Re: Would you take a job in a less desirable city if you had to work fewer days?

Would be interested in knowing if anyone has made a decision like this and how it turned out. I currently live in a big city (1.5 mil metro) with a lot of great activities and good weather, but need to work 5 days per week. I have the opportunity to take a job in a small city (400k metro) I don't r...
by stoptothink
Sat Jul 07, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 2913

Re: Would you take a job in a less desirable city if you had to work fewer days?

Would be interested in knowing if anyone has made a decision like this and how it turned out. I currently live in a big city (1.5 mil metro) with a lot of great activities and good weather, but need to work 5 days per week. I have the opportunity to take a job in a small city (400k metro) I don't r...
by stoptothink
Sat Jul 07, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 7808

Re: Tipping at non sit down places

I’m going to walk around with a tip jar going forward. I hope to meet some of you out in the wild. Ha ha, best post I've seen in any of these threads. Thank heavens I can't even remember the last time I utilized a paid service of any kind (eating out, having a serviceman work on my home, etc.). Jus...
by stoptothink
Sat Jul 07, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14541

Re: How to "retire" in your 30's article

I don't understand this concept of retiring in your 30s with a bare bones minimalist lifestyle.... My philosophy is to cut expenses to the bone on stuff I don't care about in order to be able to have extra money to spend on what I do enjoy. Did you ever think that some people don't care about so ma...
by stoptothink
Fri Jul 06, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8955

Re: What time do you get up in the morning?

It's all about priorities. The huge majority of us aren't working 100hrs/wk, if you can't find an hour a day to do something that is really important to you...then the harsh reality is that it isn't really that important to you. The wife and I totally designed our life around two things that are re...
by stoptothink
Fri Jul 06, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8955

Re: What time do you get up in the morning?

I hear all these parents complain that they have no time.... But if you ask probing questions usually it turns out that they dont go till work till 8 or 9... fighting hours of traffic, then not able to leave till 5 or 6, forcing them to fight traffic again on the way home - barely making it home in...
by stoptothink
Thu Jul 05, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8955

Re: What time do you get up in the morning?

If you can't find 30 minutes a day to get in some exercise and the only alternative is decreasing sleep, you need to take a serious look at your lifestyle. My wife works full-time, is a full-time student 4.0 student, and the mother of two...and she trains ~7hrs/week... I agree with you about priori...
by stoptothink
Thu Jul 05, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8955

Re: What time do you get up in the morning?

What is worse I wonder, 5-6 hours of sleep over a 10 year period, or gaining 20 pounds due to inactivity over the same time period. Are you robbing Peter to just pay Paul.....or is one truly better than the other? If you can't find 30 minutes a day to get in some exercise and the only alternative i...
by stoptothink
Thu Jul 05, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8955

Re: What time do you get up in the morning?

As far as productively is concerned, it is not important how early you wake up, the amount of sleep/sleep quality is what matters. I would work on getting better quality sleep, which means no electronic devices <two hours before going to sleep. +1. I'm up at 6am, 7 days a week. Enough time for my m...
by stoptothink
Thu Jul 05, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 6214

Re: Older Women Lifting Weights

The video I see is of a sumo DL. ton of weight, but different exercise than a DL. Shorter distance to pull, and more favorable back angle. Easier exercise. Just sayin. Depends on your own biomechanics. Sumo and conventional are both allowed in powerlifting competition. I, a pretty large male who ca...
by stoptothink
Wed Jul 04, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: What to add to the baby registry?
Replies: 20
Views: 1227

Re: What to add to the baby registry?

IMO, the overwhelming majority of "baby needs" are not needs at all. Even if they were, you should easily be able to find them free or for close to it from family and/or craigslist. We did without almost every single thing listed in this thread. If I were to make a registry: diapers, diapers, and mo...
by stoptothink
Wed Jul 04, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5974

Re: Any Boglehead powerlifters?

If I had to pick about 5 exercises for general strength development, I'd choose deadlift (off of blocks if needed to reduce low back and overall fatigue), low-bar squat (allows you to move the most amount of weight), bench press with a football bar neutral grip (healthier for shoulders), heavy farm...
by stoptothink
Mon Jul 02, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5974

Re: Any Boglehead powerlifters?

Former competitive powerlifter. I am also a USA weightlifting certified olympic lifting coach, but I never did it competitively. I can still deadlift nearly 3x bodyweight, but injuries (and age) have made it contraindicated for me to squat or press any significant weight and my goals now lean far t...
by stoptothink
Mon Jul 02, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead powerlifters?
Replies: 95
Views: 5974

Re: Any Boglehead powerlifters?

Former competitive powerlifter. I am also a USA weightlifting certified olympic lifting coach, but I never did it competitively. I can still deadlift nearly 3x bodyweight, but injuries (and age) have made it contraindicated for me to squat or press any significant weight and my goals now lean far to...
by stoptothink
Mon Jul 02, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 99
Views: 7025

Re: What are you learning or studying?

Molecular docking. I have a brilliant 21yr old molecular biologist on my staff who is doing some really groundbreaking research in our field; she concurrently has 4 manuscripts in various levels of peer-review. I simply want to understand what the heck she is doing.