Search found 2192 matches

by bungalow10
Mon May 20, 2019 4:21 pm
Forum: Personal Investments
Topic: Convince me that a 529 plan is a good idea.
Replies: 35
Views: 1980

Re: Convince me that a 529 plan is a good idea.

Also from Illinois. I think our state income tax is a flat 5%. By putting $20,000 in a 529, you save $1,000 in state income tax. The Illinois plan has very competitive index funds - I think they are either Vanguard or Fidelity. Do you plan to fund college? I have three kids, 11, 9, and 6, and we hav...
by bungalow10
Fri May 17, 2019 7:37 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8571

Re: Amazon....we all have seen this before :)

I canceled my Prime membership. I'm not the only one in my office/friend group doing so. My money is on grocery store pickup/delivery, not Amazon. I've been in Amazon warehouses, they are horribly inefficient. They are passing these inefficiencies back to their suppliers, not fixing the problems. I'...
by bungalow10
Wed May 08, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2373

Re: Indian cookbooks

Vegan Risha
by bungalow10
Tue May 07, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: House selling - modern norms
Replies: 36
Views: 5011

Re: House selling - modern norms

It will depend on the specifics, but this is what we did to my mom's 40 year old house when we sold it. She had the original 1960s kitchen and bathrooms. - Spotlessly clean - Fix any appliances that don't work. Make sure roof will pass inspection. Repair/fix these before listing it. Don't replace t...
by bungalow10
Sun Apr 21, 2019 5:32 am
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 4500

Re: Is Crown Molding Out-of-Style?

Not out of style at all. High quality and tasteful doesn’t have a style.

Custom cabinetry, crown mouldings, finished in place wood floors... they are classic - never in style never out of style. Other things will come and go because they are cheaper.
by bungalow10
Tue Apr 16, 2019 6:36 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 77
Views: 4153

Re: Women, How Much Do You Pay for Haircut

Wow, wouldn't the hairstylists be very rich then? Some people here pay $200 for one visit. If the hairstylist just had three clients a day, that would be $600. And over 20 working days a month that would be $12,000. Take away, I don't know ... $3000 for rental/utilities/supplies, and that's like $9...
by bungalow10
Tue Apr 16, 2019 6:27 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 77
Views: 4153

Re: Women, How Much Do You Pay for Haircut

$35 + $10 tip every five weeks for an inverted bob. It's a deal. I don't color (natural blond - yippee grays don't show!) The flip side is a pay $120 per month for false eyelashes - blond hair = blond eyelashes.
by bungalow10
Mon Apr 15, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 3821

Re: Newbie international traveler

Our Capitol One Venture credit card and Capital One 360 debit both served us well while we lived and traveled in Europe. You have good advice here - let the card do the conversion, not the merchant. Carry minimal cash, no more than 100 Euro. Pickpockets are common. To avoid looking like a tourist, a...
by bungalow10
Sat Apr 13, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 3842

Re: Should you use a real estate agent when buying a house? What are your experiences?

Most people who want to do without a buyer's agent want to save money. There are two ways to save money: 1. Buy an FSBO. 2. Buy from a seller's agent who will take less than "usual" if there is no buyer's agent. It appears that to save money you will limit yourself to a fraction of the market. FSBO...
by bungalow10
Sat Apr 13, 2019 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 3842

Re: Should you use a real estate agent when buying a house? What are your experiencesn

Thanks to everyone for all that info so quickly. So is it true that agents have access to listings that are not in MLS or online anywhere? That's interesting. Is this common? Ask yourself why a listing agent would want to limit the exposure of a house for sale. Even celebrity houses get listed wide...
by bungalow10
Wed Apr 10, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Should you use a real estate agent when buying a house? What are your experiences?
Replies: 72
Views: 3842

Re: Should you use a real estate agent when buying a house? What are your experiences?

I purchased a house in March 2018, did my search in Jan 2018, in an area I was already familiar with (we had lived there for a year previously). I used an agent I had used before, I knew he was good. Of the 13 houses I saw, only 7 were on the MLS, six were off market or pre-market. I bought one of t...
by bungalow10
Tue Mar 19, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: College for average kids
Replies: 72
Views: 4824

Re: College for average kids

What does your kid want to do when he grows up? Motivation can easily trump smarts if you can figure it out. A four year university can be job training as much as it can be career training, but there are also community college and skilled fields. Don't neglect things like dental assistant or hygieni...
by bungalow10
Sun Feb 17, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: using uber versus buying a car
Replies: 54
Views: 3615

Re: using uber versus buying a car

Do you have parking nearby and does it cost anything? Is it covered/sheltered from the elements?

Also, what is the weather like where you are? Are there conditions that would rule out a bike or walk?
by bungalow10
Sat Feb 16, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Layoff Rehire and Career Options
Replies: 12
Views: 1309

Re: Layoff Rehire and Career Options

Take the money to stay on the condition that you also have severance at the end, which can be initiated by you OR the company at any time (if things are going well, you might stay a few extra months or even years). They cannot rescind the offer of severance unless agreed to by you. Work your six mon...
by bungalow10
Thu Dec 27, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9598

Re: What common everyday inconvenience have you intentionally suffered for frugality?

I love my Brooks walking shoes, and average over 20,000 steps per day in them (including treadmill time in the morning). After a few months, it seems like the foam in one particular spot in the back of the right shoe wears through, and a hard piece of plastic pokes through and irritates my ankle. I...
by bungalow10
Thu Dec 27, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9598

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Curious to see some examples. No judgement! Some of mine: -Haven't replaced car battery for few months so instead of having keyless entry/start, now I have to take out manual key from keyfob and insert keyfob that happens to be under the center console every time. A real hassle when you have full h...
by bungalow10
Thu Dec 27, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7630

Re: Nice jeans for work with lowest average cost of ownership

B4Xt3r wrote:
Thu Dec 27, 2018 7:33 am
OP here with a friendly reminder that the original question was about cost of ownership ($$/years of service).
Jeans you don't wear because they aren't office appropriate or not flattering have a cost/use that is much higher than a pair of jeans you love that you wear everyday.
by bungalow10
Wed Dec 26, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7630

Re: Nice jeans for work with lowest average cost of ownership

My office also wears almost exclusively jeans with collared shirts. Most men wear Banana Republic jeans, which seem okay but not great. I (female) wear Madewell (expensive) and Everlane (not expensive and surprisingly good quality denim). I did purchase some Everlane for DH last spring and they are ...
by bungalow10
Tue Dec 18, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Kitchen refresh/remodel ideas
Replies: 36
Views: 2587

Re: Kitchen refresh/remodel ideas

It's funny how we in America consider 30 years as old. There are many houses/kitchens that are more than 100-200+ years old still being use in Asia and Europe. Good luck with the remodeling. Those kitchens were made of quality materials 100+ years ago. There were also houses built (or kitchens furn...
by bungalow10
Tue Dec 18, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2770

Re: Tips for a cold bedroom above a garage?

Gather some data - how much is the temp difference between the garage and the bedroom? Is the garage itself poorly insulated? Is there opportunity to insulate between the garage and bedroom? Does the bedroom have wood floor? A good subfloor plus insulation? Are the walls and windows insulated well?
by bungalow10
Tue Dec 18, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Kitchen refresh/remodel ideas
Replies: 36
Views: 2587

Re: Kitchen refresh/remodel ideas

It's funny how we in America consider 30 years as old. There are many houses/kitchens that are more than 100-200+ years old still being use in Asia and Europe. Good luck with the remodeling. Those kitchens were made of quality materials 100+ years ago. There were also houses built (or kitchens furn...
by bungalow10
Mon Dec 17, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20234

Re: Favorite Purchase of 2018?

My Peloton. I bought it in April. Down 10 lbs (130 to 120 lbs) and I think I have 150 rides on it so far. I still get my runs in on the weekend, but now I have something convenient, challenging, and fun to do at home when a run isn't convenient due to time, weather, or level of darkness.
by bungalow10
Wed Dec 12, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1260

Re: Bathroom scale

I have a digital scale that is about 15 years old. It looks just like the $20 models on Amazon. I'm pretty sure I paid about that for it. It still works great, just change the battery once every couple years. I check my weight on other scales regularly, it's very accurate. For tracking, I use Happy ...
by bungalow10
Mon Dec 10, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3314

Re: Spotify or Amazon Music?

Love Spotify - we have had Amazon, Pandora, and Spotify for years. Spotify gets the most love and is the one I keep (the others I drop from time to time).

Easy to use, lots of good curated playlists plus easy to build your own. Good selection.
by bungalow10
Fri Dec 07, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22792

Re: What are your property taxes?

$18,000 for 3,700 square feet, north Chicago suburb.

Great schools and services. I'm okay paying this for now while I have three kids in school, and I really love where we live.
by bungalow10
Fri Dec 07, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house for cash, sellers requesting proof of assets
Replies: 23
Views: 4641

Re: Buying house for cash, sellers requesting proof of assets

A simple letter from your institution that says “Customer has available funds in cash to purchase a home priced at $nnn,nnn as of the date of this letter.” Signed by an employee of the bank. That’s really all the sellers need to know. This. I sold an apartment building to someone for cash and they ...
by bungalow10
Fri Dec 07, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Where have the turtleneck base layer shirts gone?
Replies: 13
Views: 1957

Re: Where have the turtleneck base layer shirts gone?

Lands End and LL Bean both have thermaskin turtleneck offerings.

You can also try silk or wool.
by bungalow10
Wed Dec 05, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Home Question, What Would You Do?
Replies: 21
Views: 2233

Re: Home Question, What Would You Do?

Move. We are in an $800k house with $18k (UGH) property taxes on quite a bit less income than you (single income, $230-$350k depending on the year). Being in a neighborhood and having space to have friends over is worth it. We have tons of kids at our house regularly. My three are 11, 9, and almost-...
by bungalow10
Wed Dec 05, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2191

Re: ideas for a Xmas holiday in central Europe

In addition t Prague, I would suggest visiting Budapest and Paris and Amsterdam. In a twelve-day trip? Not sure if serious... if you carefully plan ahead of time, you can do it. But then again, no one likes doing that so people end up googling once they get there. But I am serious. I visited Paris,...
by bungalow10
Tue Dec 04, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2191

Re: ideas for a Xmas holiday in central Europe

ooh! We did a similar trip last year. We were living in Amsterdam, so we obviously started there. I wouldn't make Amsterdam part of your trip though, we found the city lovely, but nothing special for Christmas. We rented a car, there were five of us (DH, me, and three kids - 10, 8, and 4 1/2) so it ...
by bungalow10
Fri Nov 30, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?
Replies: 65
Views: 4248

Re: ‘01 Honda Odyssey: won’t start, needs $2700 repair. Junk it or fix?

How close are you to the end of your minivan years? If you only have a couple years of needing a minivan left, fix it. If you think you have more than a few years left, and have the money, consider a newer replacement van. I'm a huge fan of minivans, but for me there is a definite period of time in ...
by bungalow10
Fri Nov 30, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1748

Re: Any Refrigerator Repair Specialists in the House?

Checking the refrigerator mentioned above this is a side by side and you're concerned about the outward facing strip of the wall which separates the freezer from the fridge? How's the interior temperature now? Yes, and the interior temperature is around 39F right now (with thermostat set at 33). An...
by bungalow10
Tue Nov 27, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Any Refrigerator Repair Specialists in the House?
Replies: 17
Views: 1748

Re: Any Refrigerator Repair Specialists in the House?

Years ago I had good luck "resetting" a refrigerator, I believe it was a Kenmore, by unplugging it for 20 minutes and then plugging it back in.

I think the defrost was on permanent running and the unplugging turned it off and made it work properly again.
by bungalow10
Wed Nov 21, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 110
Views: 18562

Re: Don't pay full price for SiriusXM radio

I've done the exact same thing for the past 5 years. I'll set a reminder on my calendar, about a week before the subscription is set to auto-renew... I always get them down to $5 a month for the next 6 months. I really don't need it in this day and age of smart-phones w/Spotify, IHeartRadio, podcas...
by bungalow10
Fri Nov 16, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Incompetent home inspector - what to do?
Replies: 52
Views: 5336

Re: Incompetent home inspector - what to do?

AJS wrote:
Fri Nov 16, 2018 3:44 pm
I also don't have a mortgage so I will be more in control the next round.
um, your mortgage holder has no say over the sale process of your house. Their only involvement is receiving the payoff check when you close.
by bungalow10
Fri Nov 16, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: One food I could never give up
Replies: 33
Views: 1881

Re: One food I could never give up

+1 And according to an article on Guinness it's even healthy for you! https://www.spinemd.com/news-philanthropy/drink-up-5-health-benefits-of-guinness-beer My mom was apparently told to drink Guinness when she was pregnant with me. She gave it up. But apparently I'm still an addict. Malted grain be...
by bungalow10
Thu Nov 01, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Can Verizon waive inadvertent international data charges?
Replies: 10
Views: 902

Re: Can Verizon waive inadvertent international data charges?

Check their bill. Verizon data for international is $10/day. Sounds like something else is going on.

They should have had a text message every day notifying them of the $10 charge for the next 24 hours.
by bungalow10
Wed Oct 31, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17514

Re: Good Non-Boring Boglehead Cars Under $30k

monkey_business wrote:
Tue Aug 21, 2018 4:00 pm
Are the VWs, BMWs, and Audis that are recommended reliable?
I think the VW Jetta is reliable.
by bungalow10
Fri Oct 05, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5508

Re: Mr. Money Mustache is the BOMB!

DH and I have been extremely happy when struggling to get by (struggling more than I think we even realized at the time). We have been happy when flush with cash. We have been happy when the decisions to be frugal have given us options... we have managed to be happy when the results of those decisio...
by bungalow10
Sun Aug 26, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8998

Re: Ladies: bra shopping question

I highly highly highly recommend A Bra That Fits - https://www.reddit.com/r/ABraThatFits/wiki/beginners_guide I found out two years ago (via that site) I'm a 30C. I didn't even know that size existed, even Nordstroms doesn't even carry it. Now that I know, I can easily buy high quality, attractive a...
by bungalow10
Mon Aug 20, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Establishing Residency as College Tuition Strategy
Replies: 16
Views: 948

Re: Establishing Residency as College Tuition Strategy

I would never move solely in order to attempt to reduce tuition costs. Your need is too far off, and things change far too quickly and far too often for this to be a reasonable strategy, IMHO. Put money in a 529, and deal with the college choice (if any) when the time comes. I didn't say I was movi...
by bungalow10
Mon Aug 20, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Establishing Residency as College Tuition Strategy
Replies: 16
Views: 948

Establishing Residency as College Tuition Strategy

I live in a state with expensive in-state tuition costs (Illinois) and many of my friends with college age kids are sending them out of state to Iowa or Wisconsin and telling me OOS tuition is cheaper than in-state Illinois tuition. I looked up one school that I think my youngest will be interested ...
by bungalow10
Mon Jul 30, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Home audio - what do I need
Replies: 3
Views: 592

Home audio - what do I need

I purchased a house with in-ceiling speakers. Set up is below, I need advice specifically on what equipment to buy for the Living Room - it looks like I would need three different receivers? Unless there is an amp/switch type arrangement? The previous owners had Sonos, but I'm not sure exactly what ...
by bungalow10
Sat Jul 28, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 12811

Re: Peloton spin bike worth the high cost?

Lol, or those with three kids that combined out weigh their mom by 50% (75 lbs plus 60 lbs plus 45 lbs, I weigh 120).

You are making this harder than it needs to be. Peloton is a one stop exercise shop. It fits in any schedule, any weather, takes away the excuses.
by bungalow10
Sat Jul 28, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: House purchase - Can I afford? (not what you think)
Replies: 2
Views: 678

Re: House purchase - Can I afford? (not what you think)

An alternative would be to subtract your monthly savings from your income.
by bungalow10
Sat Jul 28, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 4016

Re: negative comments about "Brazil nuts"

I've been burned by Amazon by things that need to be fresh too many times. Rancid or stale food, even lotions and cosmetics. I still buy coffee sometimes and RxBars, but everything else edible gets purchased from the grocery store. I would not buy any nuts, nuts are best purchased frequently in smal...
by bungalow10
Sat Jul 28, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: House purchase - Can I afford? (not what you think)
Replies: 2
Views: 678

House purchase - Can I afford? (not what you think)

I've had a few opportunities to do the "can I afford?" house exercise in recent years :oops: due to lots of relocating. One tip I have for anyone who is posting threads and is a Boglehead is to use the online calculators but include your monthly outlay for savings/investing in the "debt" field (Roth...
by bungalow10
Sat Jul 28, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 12811

Re: Peloton spin bike worth the high cost?

Honestly, I have been more thoughtful about my health and exercising and considered one of these bikes. The problem I had was you would have to buy shoes, other accessories, etc on top of it. I bought a NordicTrack treadmill on Prime Day instead. $550 delivered to the door. It is compatible with iF...
by bungalow10
Sat Jul 28, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 12811

Re: Peloton spin bike worth the high cost?

Cycle wrote:
Sat Jul 28, 2018 4:29 am
Not worth it IMO. Other low cost alternatives are available.
There are alternatives to anything, but there is not anything of comparable quality of both equipment and classes that I have found.