Search found 2004 matches

by bungalow10
Mon Dec 18, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 16
Views: 887

Re: Any Instant Pot users here?

One thing that troubles me a bit is....cleaning the cover. The design of the inside of the cover appears that it might trap moisture and therefore, a place for bacteria. Has this been a problem for those of you that own one? The pot itself is stainless and easy to clean. There is a hard silicon rin...
by bungalow10
Mon Dec 18, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 16
Views: 887

Re: Any Instant Pot users here?

One thing that troubles me a bit is....cleaning the cover. The design of the inside of the cover appears that it might trap moisture and therefore, a place for bacteria. Has this been a problem for those of you that own one? The pot itself is stainless and easy to clean. There is a hard silicon rin...
by bungalow10
Mon Dec 18, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 4
Views: 257

Re: House purchase considerations

More detail... DH and I are both 38. Three kids, one income. Cash - $350,000 - this is money for 20% downpayment on the house , two cars, plus emergency fund. I'm targeting keeping the e-fund around $100,000. Retirement - $750,000 in 401K and Roth IRAs, lazy three-fund portfolios at Fidelity 529 + t...
by bungalow10
Mon Dec 18, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 4
Views: 257

House purchase considerations

DH and I are considering moving back to the US very soon and have begun looking at houses. For reference, I work (DH is a SAHD) and make about $200,000 base + a very unreliable bonus. To get the location/school/house we want, it will be about $750,000, for which we can put a little over 20% down. We...
by bungalow10
Mon Dec 18, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 16
Views: 887

Re: Any Instant Pot users here?

We had one in the US for two years and then purchased the European version when we moved overseas. I love it simply because it is a multitasker, and it multitasks well. It takes the place of the crock pot, Nesco, and rice cooker in our kitchen. Things the Instant Pot does/replaces.. 1. Crock pot 2. ...
by bungalow10
Tue Dec 12, 2017 8:54 am
Forum: Personal Consumer Issues
Topic: Ancestry / 23andMe
Replies: 79
Views: 5876

Re: Ancestry / 23andMe

I think this is a fun gift idea for those that don't want more stuff. We have a few friends that have done it and had a good time discussing and exploring the results. DH and I are doing it, plus we bought it for his parents and my mom. I think anyone with any curiosity on their lineage, that isn't ...
by bungalow10
Thu Dec 07, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4252

Re: When Bitcoin blows-up

Nobody I know owns bitcoin. I bought some over the last 2 years. (less than $500) and sold it over the last 6 months. I don't think there will be tons of collateral damage from a potential bitcoin fall. I'm assuming it's coming...but when is another matter. I work at a Fortune 500 manufacturing com...
by bungalow10
Wed Dec 06, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2776

Re: Europe Suggestions

Following. We (myself, wife and a friend) are doing a trip in June starting in London then taking the train to Paris followed by Brussels and then Amsterdam. We will then fly home on icelandair and do a couple of day stopover in Iceland. We are doing AirBNB's everywhere except London, I will use po...
by bungalow10
Tue Dec 05, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4463

Re: Dollar Store Hacks

Mylar balloons are only $1 there, filled with helium. For that price I can bring a huge batch of balloons to a kid's birthday party!
by bungalow10
Tue Dec 05, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2776

Re: Europe Suggestions

I live in Amsterdam (been here four months now) with my three kids - 10, 8, and almost 5. Amsterdam and the Netherlands in general are very lovely, especially in the summer. Canal cruises, places to explore on bike, tons of art museums and beautiful outdoor space, easily accessible to Germany, Belgi...
by bungalow10
Tue Nov 21, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Year end windfall and job loss
Replies: 16
Views: 2434

Re: Year end windfall and job loss

Hey, OP. You've gotten good advice. Take care of your wife and family as you go through this. It can be emotional and a bit of a roller coaster, even when it goes well.
by bungalow10
Tue Nov 21, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 3964

Re: Your favorite Costco wines?

So if you went to a wedding and saw Costco wine (Kirkland) what would think? Would you think we are being cheap and should avoid Costco for this event? Unlikely many bogleheads will attend so take that thinking out of the equation..... :beer As I noted in my other comment, I'm not the biggest fan o...
by bungalow10
Tue Nov 21, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 3964

Re: Your favorite Costco wines?

I'm going to be the dissenter here... I'm almost always disappointed in Costco wines. Not necessarily the Kirkland stuff because that is good for what it is, but when I buy something else in the $16-20 range I typically don't enjoy it as much as I should and sometimes end up with a red wine headache...
by bungalow10
Thu Nov 16, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12703

Re: Request for Promotion letter to Senior Management

I really like your letter, but I can't gauge how successful it will be. I think the best way to get promoted is to look for an opportunity in a role that is at the level you aspire to be at. You may be a manager now, start looking for Senior Manager roles in and out of your company. Talk to you mana...
by bungalow10
Thu Nov 16, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How much to charge for nanny services on New Year's Eve?
Replies: 29
Views: 2113

Re: How much to charge for nanny services on New Year's Eve?

I did not read the entire thread, but wanted to chime in that with three kids on a normal night I pay $16/hour to a teenager to babysit.

I like the flat overnight rate idea.
by bungalow10
Sun Nov 12, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Venture
Replies: 2
Views: 346

Capital One Venture

Does anyone else have problems with the Capital One Venture card constantly blocking their account due to fraud? I call them about twice a month because they shut my card down due to "fraudulent" transactions (all are valid). I've escalated to supervisors and managers for support and they are unable...
by bungalow10
Fri Nov 10, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Palma, Malta, Sicily, or Spain for winter break?
Replies: 18
Views: 1435

Re: Palma, Malta, Sicily, or Spain for winter break?

We were in Sicily for October break and it was too cold for swimming. We did some, but the rain and clouds quickly cooled the beaches to the point that we needed sweaters. That being said, Sicily has great seafood, lots to see and do, and is kind of crazy when compared to other parts of Europe. It w...
by bungalow10
Wed Nov 08, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Did we make it to "The 2 Comma Club"? Maybe not?
Replies: 21
Views: 3672

Re: Did we make it to "The 2 Comma Club"? Maybe not?

In my mind, you have to live somewhere and drive something..so home-RE & autos is/are out of any asset summary. By that logic, a renter has a higher net worth than someone who purchased a home and has equity. Right now my net worth is ~1.25MM and I rent. However, if I buy and put a .26MM down paymn...
by bungalow10
Wed Nov 08, 2017 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Did we make it to "The 2 Comma Club"? Maybe not?
Replies: 21
Views: 3672

Re: Did we make it to "The 2 Comma Club"? Maybe not?

Congratulations!!

Don't listen to those that say you haven't made it. You did and you will keep going :sharebeer :
by bungalow10
Fri Oct 27, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 26
Views: 2174

Re: GPS watch

I have the Garmin Forerunner 235. I love it.

DH has the 225, doesn't love it so much. The 235 was a big step up in features and seems to have a lot of bells and whistles for the price. And it is very reliable.
by bungalow10
Fri Oct 27, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4352

Re: How to get over the fear of traveling without spouse and children?

I'm a mom of three under age 10 who travels a lot for work (and sometimes for fun). I used to travel all over the US, but now we live in Europe and I still travel to the US, but I've also added international travel. This week I will be Australia, New Zealand, and Japan (eek!). I do get freaked out b...
by bungalow10
Fri Oct 27, 2017 4:23 am
Forum: Personal Finance (Not Investing)
Topic: Euros to USD
Replies: 3
Views: 422

Euros to USD

Does anyone have any advice or tips on converting EUR to USD? I have a fairly significant amount (than five figures, less than six). I'm living in Europe now, but find myself using my US rewards cards for purchases related to travel (rewards points + so much more convenient than the EU chip debit ca...
by bungalow10
Wed Oct 04, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 131
Views: 19057

Re: What age did you become debt free and what opportunities did it create?

HomerJ wrote:
Mon Jul 06, 2015 1:12 pm
Being debt-free gave her the freedom to work an easier, more enjoyable job for less pay.

She can always go back to the more challenging or more stressful job if she chooses to :D :D :D
by bungalow10
Wed Oct 04, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll shenanigans and their implications
Replies: 48
Views: 3707

Re: Payroll shenanigans and their implications

My husband had an employer that did that. He would pay cash, "withholding" taxes, SSI, etc. The wages and withholding paid in cash were never reflected on my husband's tax statements. He never got credit for the SS earnings, and he never had a chance to get a refund on the taxes. Run away. It only g...
by bungalow10
Mon Oct 02, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Budgets: how do you track irregular income and expenses
Replies: 35
Views: 2601

Re: Budgets: how do you track irregular income and expenses

I budget based on last month's income. February's budget is based on January's income. If February has an unexpected expense, it comes out of Feb income, which impact's March's budget - or I split it between the two. Every "surprise" is hedged by half this way. Surprises also go down as you really g...
by bungalow10
Mon Oct 02, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 3172

Re: Reach out to hiring manager directly on LinkedIn?

I'm a hiring manager and I say go for it! It would be a +++ going into an interview.
by bungalow10
Mon Oct 02, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: US Expat in Japan looking for options
Replies: 11
Views: 1062

Re: US Expat in Japan looking for options

huh. So I'm an Expat in the Netherlands and I fully intend to keep contributing to my Roth IRA while I'm here. I would check the laws of the country you are in to verify how Roth type accounts are treated. Not every country treats them as tax exempt accounts. You may owe taxes on activity within th...
by bungalow10
Mon Oct 02, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 131
Views: 19057

Re: What age did you become debt free and what opportunities did it create?

We paid off all debt except the primary mortgage at the age of 32. We had enough cash to pay off the house at ~35. I'm 38-almost-39 for reference :) Being debt-free at 32 facilitated the decision for my husband become a SAHD when we were 35 (we have three kids, now 10, 7, and 4). This enabled me to ...
by bungalow10
Mon Oct 02, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: US Expat in Japan looking for options
Replies: 11
Views: 1062

Re: US Expat in Japan looking for options

huh. So I'm an Expat in the Netherlands and I fully intend to keep contributing to my Roth IRA while I'm here.
by bungalow10
Sun Sep 24, 2017 2:21 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12360

Re: Lifestyle Creep

From a lifestyle creep perspective, as I look at our budget the only thing that troubles me is how much we spend on food. We don't eat out much. It's our grocery bill. We spend too much for a family of three. It's something that's gotten progressively worse. I'm working on fixing the problem. The g...
by bungalow10
Sun Sep 24, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Anyone used Amazon to buy household goods
Replies: 26
Views: 2079

Re: Anyone used Amazon to buy household goods

Have you used Amazon to buy household goods? (We have Prime so we get free shipping.) Do you think you can save money on things like laundry detergent and papers towels, etc? Thanks in advance! When we were in the US we were avid Amazon users, for the convenience. There is not savings anymore, or a...
by bungalow10
Sun Sep 24, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Invest, or Buy a $25,000 Screened-in Deck?
Replies: 24
Views: 2379

Re: Invest, or Buy a $25,000 Screened-in Deck?

Yes - I too am definitely feeling the tug of the "what's the point of earning money if you don't spend it on things that will bring you happiness" argument. (And to answer your question, yes, we are meeting all of our retirement goals and have a rainy day fund). Go for it. Hold off on the next car ...
by bungalow10
Fri Sep 22, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Tips/Steps for selling a car
Replies: 19
Views: 1475

Re: Tips/Steps for selling a car

I just sold our Odyssey when leaving the country. I took it to Carmax and a dealer about two weeks prior to the sale and had both give an estimate. The dealer was slightly higher. On the day of our flight, I drove to the dealer (with DH, three kids,and 15 pieces of luggage in tow) and sold the van. ...
by bungalow10
Fri Sep 22, 2017 6:17 am
Forum: Investing - Theory, News & General
Topic: No More Saving???
Replies: 114
Views: 11089

Re: No More Saving???

Just wondering how many BH out there got to a point [in one's working years] where the need to save for retirement stopped? For example, has anyone stopped the accumulation phase before retiring? If so, please describe your situation. I'm strongly considering stopping, or drastically slowing, the a...
by bungalow10
Fri Sep 22, 2017 6:05 am
Forum: Personal Consumer Issues
Topic: Gaps in new hardwood flooring
Replies: 52
Views: 3524

Re: Gaps in new hardwood flooring

Can your installer cut off the defective ends and continue installing with the good portions of the planks?
by bungalow10
Fri Sep 22, 2017 4:00 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19817

Re: Is it really Worth it to brown bag your lunch at work?

Eat away from your desk, with other people. If that means buying a lunch, buy a lunch. If you can brown bag and want to brown bag, brown bag. Just don't eat at your desk. I eat my lunch at my desk everyday. Your comment makes no sense. The social aspect of a meal with other people. The break from w...
by bungalow10
Thu Sep 14, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Are Cotton Blankets Good For Winter?
Replies: 21
Views: 1772

Re: Are Cotton Blankets Good For Winter?

Wool all the way. Take care to read the care label, but a good wool blanket will last you the rest of your life. I'm partial to Pendletons if you want something that is widely available and nice quality. They have a National Park Series, if that is your thing :) :) :) Alpaca is also fantastic. If yo...
by bungalow10
Thu Sep 14, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19817

Re: Is it really Worth it to brown bag your lunch at work?

Eat away from your desk, with other people. If that means buying a lunch, buy a lunch. If you can brown bag and want to brown bag, brown bag.

Just don't eat at your desk.
by bungalow10
Wed Aug 23, 2017 1:06 am
Forum: Investing - Help with Personal Investments
Topic: Too conservative?
Replies: 9
Views: 1531

Re: Too conservative?

How much do you expect to spend on the house? $350k is a lot of scratch. All depends on where he is planning to live. In some places that'll get you a broom closet and in others a mansion. I think that's intended as a down payment. Different story if paying cash for the house. Could go either way -...
by bungalow10
Wed Aug 23, 2017 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Too conservative?
Replies: 9
Views: 1531

Re: Too conservative?

I make a good salary right now, we will hopefully be able to enjoy our time overseas and probably won't be building on the nest egg too much while we travel, travel, travel :D :D :D I'm surprised by this part of your post, normally working overseas is a fantastic time to build your nest egg if you ...
by bungalow10
Tue Aug 22, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 27
Views: 2585

Re: Credit card for expat

I've moved to the Netherlands! I'm having great luck with the Capital One Venture card (no fees) and the Capital One checking account (formerly ING) - again no fees for ATM or foreign transactions. I have an ABN AMRO account here for payroll deposit and local expenses, but I'm going to try to limit ...
by bungalow10
Tue Aug 15, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Too conservative?
Replies: 9
Views: 1531

Too conservative?

Help, guys and gals. I am worried I'm being too conservative. Here's some background... We will be renters for the next three years or so while we live overseas. I've recent gone through some job-changes recently... same company, but turmoil, relocations, etc. No idea what comes after my two-three y...
by bungalow10
Tue Aug 15, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Spending help: Best use for $800 per month ?
Replies: 18
Views: 1825

Re: Spending help: Best use for $800 per month ?

Can you wife do a drop-in care for two hours two days a week? In a high COLA, I pay $7/hour/kid for drop-in care at the gym. She could get an hour of exercise, a nice shower without anyone bothering her and time to drink a coffee or smoothie. She could also find a couple friends to do play dates wit...
by bungalow10
Tue Aug 15, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2699

Re: ipad or tablet for hospital?

One note on charging - do iPads work on those charging pads? the ones you don't have to plug the device itself in, you just lay it on top of the charger? Setting one of those up on a nightstand would be much simpler than leaving a cord hanging out.
by bungalow10
Tue Aug 15, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2699

Re: ipad or tablet for hospital?

My mom is having back surgery and I just bought her an iPad. The reasons I went with an iPad are below... 1. iPads are easy to learn. She's not currently on the iPad platform, but there is plenty of help out there in the world for her, but she's savvy enough she will figure it out. 2. Heat - I absol...
by bungalow10
Mon Aug 07, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 2679

Re: Acadia National Park: Bar Harbor, Maine

We were there the week before the July 4th holiday. Bar Harbor was insanely crowded, I believe the part set attendance records. I would personally avoid staying in Bar Harbor if you are looking for quiet and relaxing. We stayed in Winter Harbor and enjoyed it. We were adjacent to the park and took t...
by bungalow10
Tue Jun 20, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 27
Views: 2585

Re: Credit card for expat

We paired Quicksilver with the Chase Mileage Plus Explorer card on our assignment. If you're reward agnostic, Quicksilver is head and shoulders above Chase MP because every 60-90 days or so, Chase would flag and decline random purchases due to security concerns - and every time "we are expats, we w...
by bungalow10
Tue Jun 20, 2017 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 27
Views: 2585

Re: Credit card for expat

We would give a very big +1 on the Chase Sapphire Reserve card. We use it for everything while on assignment in China. It has no international transaction fees, and we've found the rewards program to work out far better for us (3% on travel and dining expenses) plus those points can be transferred ...
by bungalow10
Tue Jun 20, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Credit card for expat
Replies: 27
Views: 2585

Re: Credit card for expat

Finally I use the Chase Amazon card since we use Amazon to get things from the US that are significantly more expensive than they are locally or unavailable here, and for purchases in the US for family gifts, etc and this card maximizes the cashback on Amazon purchases, with no annual fee. I'm goin...