Search found 4259 matches

by stoptothink
Sun Sep 23, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 43
Views: 3594

Re: Minimalist Lifestyle

Someone made a comment about having to have tools/things to support hobbies but hobbies for the most part seem to be another way to collect things rather than enjoy experiences. (Biking was used as an example but I never met someone into biking that didnt have 2-4 different bikes, even of the same ...
by stoptothink
Sun Sep 23, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 43
Views: 3594

Re: Minimalist Lifestyle

I think you would have a very uninteresting life if you could live out of a couple suitcases, and you would have to hire someone to do absolutely everything for you because you would have no tools or supplies to fix anything in your life. What sort of interests or hobbies do you have? Gardening? Co...
by stoptothink
Sun Sep 23, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 43
Views: 3594

Re: Minimalist Lifestyle

I essentially did live out of a suitcase for much of my adult life. I even went a year living in the 4th most populated city in the country without electricity, a car, any furniture, etc. (no, I wasn't homeless and it was done purposely...but I was finishing my PhD and simultaneously working full-ti...
by stoptothink
Wed Sep 19, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 55
Views: 3635

Re: Reverse Mortgages - Pros, Cons

FA is a fee only advisor and we have depended on him for > 35 years. FA advises ex CEOs, pilots, doctors, etc. Hedoesn’t need To trick anybody or an additional $500 or $1000. Not sure how this is remotely relevant. One of my best friend's is a crazy successful FA who "advises" some incredibly finan...
by stoptothink
Wed Sep 19, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8101

Re: Can Sneakers go with Business Casual?

The answer is very industry-specific, but I have seen a lot of colleagues wear nice leather sneakers (eccos) or dark-colored Allbirds (ubiquitous in Silicon Valley) on business casual days. Not anymore. https://www.vox.com/the-goods/2018/9/14/17792298/silicon-valley-stylist-fashion-tech Because one...
by stoptothink
Wed Sep 19, 2018 12:52 pm
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 3871

Re: “Majority of working-age Americans have no retirement savings”

The saving grace for many of these people is that they still have some sort of pension. But for many, perhaps most, they will have little choice but to keep working until they are physically incapable of doing so. At that point, they'll have to make do with Social Security benefits, which are low s...
by stoptothink
Wed Sep 19, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 3871

Re: “Majority of working-age Americans have no retirement savings”

The saving grace for many of these people is that they still have some sort of pension. But for many, perhaps most, they will have little choice but to keep working until they are physically incapable of doing so. At that point, they'll have to make do with Social Security benefits, which are low s...
by stoptothink
Tue Sep 18, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 205
Views: 13610

Re: What is your single most expensive mistake?

Marrying 1st wife (undergrad and dental school) and then divorce - loss of 6 figures Getting involved in real estate investing/development just a few years before the crash - loss of 6 figures At least both were done and gone by the time I reached 30 and I've had time to recover. If neither had happ...
by stoptothink
Mon Sep 17, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 9990

Re: Massive Student Loan Debt - Fiancee

My take: OP's fiance is a normal student in the USA these days. Who DOESNT have 100k in student loans? It seems to me like she will have a higher education level and earning potential than the OP. There's no evidence in his post that she's wreckless in any way. This situation is common and absolute...
by stoptothink
Mon Sep 17, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52474

Re: What is your luxury good?

At this point in my life, I think my luxury good is actually being able to provide nice things to those I love my wife as they actually enjoy them. Not to be superficial, but it may not be terrible to have a few nice things that your close family associates with you. Wait, hear me out! My low-maint...
by stoptothink
Sun Sep 16, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 151
Views: 10788

Re: Considering Quitting Job - Seeking Advice. Would you do it?

I'm always fascinated when people say they work 15-20 hour days 6-7 days a week. And frankly, it's hard for me to even believe. Here is a hypothetical schedule: Up at 5:30 Logged in at work at 6:00 Work straight through, no lunch break, until 18:00 Home and dinner eaten by 19:00 Logged back in at 1...
by stoptothink
Sun Sep 16, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52474

Re: What is your luxury good?

This question is relative. Yes, I agree but the intent was to make it personal --which by nature is relative. Luxury to me is a fresh towel (or two) every day at the YMCA while others find enjoyment in nice wine or travel to exotic places. There is no absolute standard for what is luxurious or extr...
by stoptothink
Sun Sep 16, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Experiences downsizing to single car
Replies: 34
Views: 2863

Re: Experiences downsizing to single car

Downsized to one car about a year and a half ago. The second car was older and probably averaged one drive per month in our last few years of ownership. It was so much easier than we feared, very limited impact to our lives and given the positive outcome I can't see us getting a 2nd car until our o...
by stoptothink
Thu Sep 13, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2491

Re: Anyone into Essential Oils?

meens888 wrote:
Thu Sep 13, 2018 10:54 am
I assume you are part of the John Hopkins team then.
I may or may not be :wink:
by stoptothink
Thu Sep 13, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2491

Re: Anyone into Essential Oils?

As far as the above person stating that medical doctors are know using this for treatments- no they aren't. The evidence does not support it and the whole idea of integrating pseudo science with real science is just to appease the general public who fall for these scams as it helps increase their c...
by stoptothink
Thu Sep 13, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2491

Re: Anyone into Essential Oils?

FWIW, I am a primary researcher in this field with half a dozen peer reviewed publications so far this year and I may or may not work for one of the companies mentioned in this thread. I am not legally allowed to discuss structural/functional issues that essential oils may be of benefit to or make d...
by stoptothink
Mon Sep 10, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8101

Re: Can Sneakers go with Business Casual?

Sneakers are not business casual. You have to see what other folks are wearing to see what is "acceptable". I would not want to wear something that would put me as an outsider in the company's dress culture. What industry is this in? In tech, pretty much anything goes. There is a senior director do...
by stoptothink
Mon Sep 10, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8101

Re: Can Sneakers go with Business Casual?

You stated that Vans or Chucks or like footwear are on the same level as literal running shoes in workplace formality. In the majority of situations/environments in contemporary culture, that simply isn't true. I'm not sure how not being able to wear "casual" footwear in your workplace in any way c...
by stoptothink
Mon Sep 10, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 825
Views: 89637

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

Sons of Anarchy. Watched the first two episodes, then stopped... I couldn't see how this plot is going for 7 seasons. The same could be said for Breaking Bad . And yet... SOA has many similarities with BB. It takes a few episodes to get into the plot and character development. Admittedly Ron Perlma...
by stoptothink
Mon Sep 10, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 72
Views: 5788

Re: Amazon Prime - Value?

I find value in only one thing in Prime. The ability to watch Grand Tour. I now wait until the series is over, sign up for one month, binge watch and cancel. +1. At this point Prime is no more than Netflix for us. We never, ever, get things on time; we realize that is predominantly because of our h...
by stoptothink
Sun Sep 09, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8101

Re: Can Sneakers go with Business Casual?

but there are zero non-manual labor workplaces where I'd show up in literal running shoes Visit a Silicon Valley, Portland, Seattle, Boulder, Austin, etc. tech office sometime. I'm not in any way disagreeing with you. I know that is the case as I have also been in environments where legitimate runn...
by stoptothink
Sun Sep 09, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8101

Re: Can Sneakers go with Business Casual?

I feel extremely confident in saying you are in outlier in thinking this. Yes, there are workplace environments where I would never wear a pair of Chucks or Vans or retro NBs, but there are zero non-manual labor workplaces where I'd show up in literal running shoes. I'd conservatively estimate that...
by stoptothink
Sun Sep 09, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 69
Views: 7745

Re: Bose Noise Cancelling Headphones

Lemonaid56 wrote:
Sun Sep 09, 2018 12:03 pm
Feel like Bose is way overpriced and over rated, good PR.
My guess is that most who are suggesting them have never really experienced any of the newer, and significantly more cost-effective, alternatives.
by stoptothink
Sun Sep 09, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8101

Re: Can Sneakers go with Business Casual?

This. I guess it depends on what is the definition of "business casual" in your specific environment, but legitimate running shoes are a no-go in pretty much any environment. Although I'm a director-level employee I wear "sneakers" (vans, reefs, casual new balance) to work 90% of the time; basicall...
by stoptothink
Sun Sep 09, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7152

Re: Anyone else playing catch-up in their 40's?

Yes, here are steps we've taken (to maximize saving): Get rid of Amazon prime. Too easy to spend money on crap you don't need. Get rid of cable. Use only a work mobile phone (if provided). Get rid of land line phone. Stop eating out. Learn to cook. If you eat out, find a reasonable place to eat out...
by stoptothink
Sun Sep 09, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else playing catch-up in their 40's?
Replies: 68
Views: 7152

Re: Anyone else playing catch-up in their 40's?

Don’t feel bad OP... I know this place can be discouraging with all the humble bragging of super savers and people with 1% incomes and large inheritances, but we are not all so fortunate. I did start saving in my 20s but only around 10%. I got very little help with college and I spent most of my 20...
by stoptothink
Sat Sep 08, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8101

Re: Can Sneakers go with Business Casual?

The ones you posted don't even look like you're trying. But if you get something that actually looks like you're trying to blend in with a business environment, but still be comfortable, I think it'd be fine. If you can't tell from across the room that it's a sneaker, i.e. it doesn't look obvious, ...
by stoptothink
Sat Sep 08, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3603

Re: Subaru: Crosstrek or Outback?

We always tend to buy the smallest vehicle that meets our commuting needs. The additional expense of a larger more expensive vehicle with higher running fuels costs and higher maintenance costs just doesn't seem worth it for a few minutes of extra packing. And if it really doesn't fit, we can alway...
by stoptothink
Sat Sep 08, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 44
Views: 3617

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

There is a reason the depreciation on AMGs is insane, they are incredibly expensive to maintain. My brother's E63 wagon has been a maintenance nightmare to the point where he bought a Subaru Outback for his daily and the AMG sits in his garage collecting dust because he is underwater on it and is ki...
by stoptothink
Fri Sep 07, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2897

Re: New Bike Suggestion

If they want to spend the money on something that will make those in their riding group jealous, have at it. Actually, the riding groups that I am with barely pay any attention to the bikes others are riding, and you don't get thumbs up for having the expensive bike, but you do get thumbs up for ri...
by stoptothink
Thu Sep 06, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18153

Re: How to Retire in Your 30's with $1 Million in the Bank

I'm already 100% FI at 35, but still working and will continue to work at megacorp for probably another decade. From what I gather of similarly paid employees working till 60 at megacorp, there is a lot of paycheck-to-paycheck, wait till 40 to start saving, mcmansion on acres of land, horses, off r...
by stoptothink
Thu Sep 06, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39979

Re: Lucrative careers?

I am a long time lurker but made an account just for this: For the love of God do not go to medical school for the money . You will spend a minimum of 7 years, once (and if) you get in, working hard and paying roughly $300k to do so. If you want to make more than $200s you can make that 10 years to...
by stoptothink
Thu Sep 06, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Sell our new home to downsize
Replies: 37
Views: 3421

Re: Sell our new home to downsize

In our HCOL area it would not work to drop 50% of our income and find a home cheap enough that isn't 2 hrs commute from my office. It's all perspective, but those of us who actually do live in HCOL areas and would have to pay $750K-1M to get into a home in a "good enough" school district often on s...
by stoptothink
Thu Sep 06, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 825
Views: 89637

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

Finished "Jack Ryan" last night. The last few episodes went beyond merely stretching the imagination. Too bad. Wife and I binge watched it this past week. I thought Jack Ryan was the perfect character for John Krasinski (he's not believable as a real bad-A type as he was supposed to be in 13hrs), b...
by stoptothink
Thu Sep 06, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2897

Re: New Bike Suggestion

If we are going to go off the rails with expensive bike recommentations, then I want to throw in my couple of cents as well. Pinarello Dogma F8 or F10. Comes with great italian pedigree and race history. Another great bike with legendary reputation is the Colnago or "nags" as they are affectionatel...
by stoptothink
Wed Sep 05, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39979

Re: Lucrative careers?

I will add my support to KyleAAA's assertions - pay really IS that high in tech, especially in Bay Area (where it is needed) and also in Seattle (where it is not needed as much). The FAANG's pay a lot and also make a lot. I have friends in all FAANG companies (except for Netflix - that guy went fro...
by stoptothink
Tue Sep 04, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4610

Re: How much do you spend on kids extracurriculars?

Currently? $80/month for jiu jitsu for my 6yr old daughter. She previously did gymnastics as well, but it was the same cost. Her 3yr old brother is likely to join her in the near future. Both the wife and I are pretty high level competitive athletes and we do (multiple times a week) family hikes, bi...
by stoptothink
Thu Aug 30, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 2894

Re: Minivan for family of 4.

However most people buy bigger vehicle than what they ever need, and get penalty in terms of cost/fuel economy/driveability/fun/repairs. +1. Family of 4 with a "compact" sedan (VW jetta); 6 and 3 year olds. We go on at least 3 week-long plus driving vacations a year and have yet to come close to ma...
by stoptothink
Thu Aug 30, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9721

Re: How do you save money on groceries?

Feel free to search my prior posts, I have talked about it many many many times. Bottom-line, food is fuel to me (and only slightly less so for my wife, and kids don't know any different); we eat the same things over and over and over again, and I know exactly how/where to get them cheapest. Almost...
by stoptothink
Wed Aug 29, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9721

Re: How do you save money on groceries?

2. Move away from meat, fish, eggs, dairy - on balance you will save money and improve health . Like clockwork. For all we know, OP may be vegan; they don't say. Without going through your regular grocery list, it is really difficult to make any really relevant recommendations. General rules: have ...
by stoptothink
Wed Aug 29, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Local community is offering a class on Saving for Retirement
Replies: 11
Views: 530

Re: Local community is offering a class on Saving for Retirement

My guess is that the class will be taught by a local broker or financial advisor who is trying to get clients. I would bet a lot of money that this is absolutely the case. One of my closest friends, an uber successful "financial planner," does this type of thing for free all the time; in fact, I am...
by stoptothink
Wed Aug 29, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 2894

Re: Minivan for family of 4.

However most people buy bigger vehicle than what they ever need, and get penalty in terms of cost/fuel economy/driveability/fun/repairs. +1. Family of 4 with a "compact" sedan (VW jetta); 6 and 3 year olds. We go on at least 3 week-long plus driving vacations a year and have yet to come close to ma...
by stoptothink
Wed Aug 29, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9721

Re: How do you save money on groceries?

2. Move away from meat, fish, eggs, dairy - on balance you will save money and improve health . as a health pro here, meat, fish and eggs/dairy are not bad for health. in fact, on a cost basis eggs are quite cheap given how much nutrition a whole egg provides As someone who has trouble with anemia ...
by stoptothink
Wed Aug 29, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9721

Re: How do you save money on groceries?

2. Move away from meat, fish, eggs, dairy - on balance you will save money and improve health . Like clockwork. For all we know, OP may be vegan; they don't say. Without going through your regular grocery list, it is really difficult to make any really relevant recommendations. General rules: have ...
by stoptothink
Tue Aug 28, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 2894

Re: Minivan for family of 4.

However most people buy bigger vehicle than what they ever need, and get penalty in terms of cost/fuel economy/driveability/fun/repairs. +1. Family of 4 with a "compact" sedan (VW jetta); 6 and 3 year olds. We go on at least 3 week-long plus driving vacations a year and have yet to come close to ma...
by stoptothink
Tue Aug 28, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2604

Re: Cars... just another tool unless your a tool.

the ultimate privilege is to live somewhere where you do not need a car, or don't need a second car - neighbourhoods with high walkability scores justify their premiums Dollar-per-dollar, the singles best ROI from a "consumer" product I have ever purchased was buying a home within walking distance ...
by stoptothink
Mon Aug 27, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2604

Re: Cars... just another tool unless your a tool.

I am a car nut. I love sports car... but after being car-less for almost two years and seeing the financial gain from not owning a car at all, I don't think I can justify a car over 25k again (minus inflation) unless I hit the lottery. Seriously, what a tool I was at 28 to buy a 1-year-old Corvette...
by stoptothink
Sun Aug 26, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10377

Re: I own 1,387 items!

Quite an interesting thread. I have no desire to begin counting, but we (family of four) live quite the simple life. I lived most of my non-married adult life being able to fit everything I owned in a backpack and a single large plastic bin. When we bought our home 3yrs ago, moving didn't require a...
by stoptothink
Sat Aug 25, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tips paying down mortgage - anybody use equity line ?
Replies: 16
Views: 1164

Re: Tips paying down mortgage - anybody use equity line ?

There are no "tricks" as far as I know. Once we meet our savings goals (maxing 401ks, Roth IRAs, HSA), have enough in the EF (currently, the amount necessary max Roth IRAs next January 1st and pay for my wife's next semester of school), and $1k in our checking account for whatever comes up, we just ...
by stoptothink
Sat Aug 25, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10377

Re: I own 1,387 items!

Quite an interesting thread. I have no desire to begin counting, but we (family of four) live quite the simple life. I lived most of my non-married adult life being able to fit everything I owned in a backpack and a single large plastic bin. When we bought our home 3yrs ago, moving didn't require a...