Search found 2051 matches

by bungalow10
Tue Jan 16, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 21
Views: 2115

Re: Friend Got Laid Off - Advice Needed

His savings is admirable. Does he get a severance package?

What does he WANT to do? I understand that may take some time to figure out, he needs to get through the shock. These layoffs can be like a divorce or the death of a relative - completely shocking and life changing. They take time to process.
by bungalow10
Tue Jan 16, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: pay off 401k loan or not?
Replies: 17
Views: 1088

Re: pay off 401k loan or not?

Everyone I have ever talked to that did a 401k loan had to keep it for a minimum of at least one year before they were allowed to pay it back. I think this is set by the 401k administrator so YMMV.

Can you HELOC all of it and then refinance it all into a primary mortgage?
by bungalow10
Tue Jan 16, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 31
Views: 2124

Re: A "Home" cell phone?

There are some good ideas on this thread! I am finding we need a home phone again, after about 15 years of not having one. Our oldest child is 10 and I really wish we had a phone so he could 1. get/make calls and not use my cell phone and 2. we (DH or I) can reach anyone that is at our house - sitte...
by bungalow10
Mon Jan 15, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 93
Views: 4744

Re: Looking for a reasonably priced, safe international destination

I’m heading to Dublin next weekend with a 10, 8, and 5 year old. I’ll keep this thread posted.
by bungalow10
Mon Jan 15, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 51
Views: 2541

Re: PTO policy after international business travel

It took to me few years to find out what worked for me. One rookie mistake I see a lot is drinking on the flight. I think alcohol + altitude + time change can make for a really bad effect on the body. I normally fly business and still try to avoid alcohol and food (or eat really light) on the plane.
by bungalow10
Mon Jan 15, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 51
Views: 2541

Re: PTO policy after international business travel

Does anyone else on your team travel? How long were you gone? What was the issue that made it so difficult to return?

I travel a seven hour time zone spread monthly at a minimum and have never needed extra time off.
by bungalow10
Mon Jan 15, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Best rock solid router with vpn server and guest network
Replies: 12
Views: 932

Re: Best rock solid router with vpn server and guest network

I have had great luck with the Netgear Nighthawk, two of them. I bought my last one at Costco.
by bungalow10
Mon Jan 15, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 12
Views: 1186

Re: Kayak Germany flights more than 60% than airline site??

ready20 wrote:
Mon Jan 15, 2018 9:30 am
thanks for the info- other concern is the flight times that Kayak shows for Luthansa don't even show up on the Luthansa website as existing....
One thing to make sure is that you aren't having challenges with time zone or currency conversion.
by bungalow10
Mon Jan 15, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 41
Views: 1908

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

If you have Verizon, give them a call and ask about international calling/data. For my plan it is $10/day and it uses your existing data plan. It's a deal if you don't travel to Europe frequently. Jet lag - I fly back and forth to the US-Europe at least monthly. Don't drink alcohol on the plane and ...
by bungalow10
Mon Jan 15, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Kayak Germany flights more than 60% than airline site??
Replies: 12
Views: 1186

Re: Kayak Germany flights more than 60% than airline site??

I have never had a problem booking from the sites suggested by Kayak or Google. There is a consistent price difference of that magnitude - especially with Lufthansa and several other European airlines (Swiss etc.) - economy or business class. I booked a business class multi-city trip with Qatar air...
by bungalow10
Mon Jan 15, 2018 5:57 am
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 124
Views: 16076

Re: Buying and Spending Bitcoin

wow , in the future we wont need money at all... thats creepy! Bitcoin isn't money? Or did you mean simply no cash, just plastic? Not sure where USA is on this, but in the UK "touch and pay" chip credit and debit cards are big. And having sworn I'd never use it, I use it (credit card) that way all ...
by bungalow10
Mon Jan 15, 2018 5:31 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 93
Views: 4744

Re: Looking for a reasonably priced, safe international destination

Amsterdam. It's really easy to get around, very kid friendly, lots to do in May. Not sure about affordability, but food is not terribly expensive and public transit is everywhere. Lots of parks are free and a museum pass is EUR 60 per adult. Belgium and Germany are very close by, but you really won'...
by bungalow10
Fri Jan 12, 2018 5:26 am
Forum: Personal Consumer Issues
Topic: Dublin - weekend with kids
Replies: 4
Views: 375

Dublin - weekend with kids

We are flying into Dublin on Friday the 19th in the morning, flying out on the 21st (Sunday) mid-afternoon. Any suggestions of things we must do or tours to take while there? We are good with lots of walking, love to eat. Kids are 10, 8, and 5. I think the eight year old want to see the Bog Man. DH ...
by bungalow10
Fri Jan 12, 2018 5:16 am
Forum: Personal Finance (Not Investing)
Topic: How much/little money to give kids in will so they continue to work
Replies: 95
Views: 7794

Re: How much/little money to give kids in will so they continue to work

Honestly, I think it's a little weird when adults are told they are getting x for an inheritance. It changes their decision making, sometimes not for the better. An inheritance, in my opinion, should be a windfall, not something you rely on or count the days to receiving. Giving an inheritance (or k...
by bungalow10
Thu Jan 11, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Which Car To Keep
Replies: 25
Views: 1338

Re: Which Car To Keep

Sell me your Pilot. No joke. I sent you a PM :)
:sharebeer
by bungalow10
Thu Jan 11, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off 6.5% Student Loan or Invest
Replies: 22
Views: 921

Re: Pay off %6.5 Student Loan or Invest

Pay it off. Invest the freed up cash on a monthly basis.
by bungalow10
Thu Jan 11, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to downsize but still too much stuff
Replies: 49
Views: 4399

Re: Trying to downsize but still too much stuff

We've moved quite a few times. We had I think 65 boxes in the last move + furniture. This is for a family of five, and included all our kitchen stuff and linens. We are moving yet again in a couple months (one move in 2016, two in 2017, hopefully just one in 2018 - and this isn't counting moves into...
by bungalow10
Thu Jan 11, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 58
Views: 2925

Re: Poll: BHs who rent - what % of gross do you spend on rent?

Really timely question for me!

We rent in Europe right now - 17%

We are considering renting in the US - 18.5% est

high COL, family of five, single income

cheers :sharebeer
by bungalow10
Wed Jan 10, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Help gmail security question
Replies: 27
Views: 1491

Re: Help gmail security question

I think I figured out how they got in. They must have got in before I added two factor. Then once they were in they added their number as a backup number for two factor. That is my only guess. Is there an easy way to erase 10 years of emails on a gmail account. Do you have to check every box one by...
by bungalow10
Wed Jan 10, 2018 4:47 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9593

Re: Effects of extreme cold weather

Many years ago I had a newish 1996 Honda Civic. It was incredibly basic, with an AM only radio, torture chair seats, no trunk light, no A/C, and no power steering, no power windows, and no power door locks. But the worst thing was the heater. The very fine pile of sunshine just couldn't deal with w...
by bungalow10
Wed Jan 10, 2018 4:16 am
Forum: Investing - Help with Personal Investments
Topic: Need advice regarding retirement income planning (rental property, Roth conversion,etc)
Replies: 5
Views: 408

Re: Need advice regarding retirement income planning (rental property, Roth conversion,etc)

Is your 40-50k of income rental after all expenses (mortgage, taxes, etc). It looks like it is before expenses because you list those separately, which if that is the case, you are carrying a lot of risk for not a lot of income.
by bungalow10
Wed Jan 10, 2018 3:23 am
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 3930

Re: Men's no iron dress shirt recommendations

Have you considered Everlane? I am in love with their sweaters, jeans (LOVE their jeans - real denim!!), and Italian-made shoes. I have not tried their shirts, but plan to.

https://www.everlane.com/collections/mens-shirt-shop
by bungalow10
Mon Jan 08, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2606

Re: Teeth Whitening

Crest Whitestrips work for most, I suggest trying those first. Most people never need anything more. If you need more/faster, you can buy a tray kit online (Amazon) and the gel - Opalescence is the brand my dentist sold and I have bought online. I used that 20+ years ago when my braces came off and ...
by bungalow10
Mon Jan 08, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 301
Views: 21419

Re: What frugal thing did you do today?

I purchased an Instant Pot on Amazon after reading the Instant Pot thread on Bogelheads. I used my Amazon Prime Card and saved 5%, plus I saved $10 by signing up for the automatic reloading of my gift card. So , I did spend money but got a $15 discount. You'll save money using the Instant Pot since...
by bungalow10
Mon Jan 08, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 1953

Re: Car recommendations needed for growing family

We are in a similar situation, moving from Amsterdam to the Chicago suburbs. We are going with an Odyssey and either a Civic or a Crosstour. We've owned both an Odyssey and several Civics in the past and loved them all. We also had a brief stint as SUV people (Toyota Highlander) and did not enjoy it...
by bungalow10
Mon Jan 08, 2018 3:51 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11737

Re: European Cities that don't interest you

I enjoy living in Europe, but the US has SO MUCH to explore. I've traveled a lot of it with my kids and we have enjoyed it just as much, and look forward to returning, as we have had exploring Europe. I also think the US is much more diverse culturally than Europe. I know that probably sounds weird...
by bungalow10
Sun Dec 31, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11737

Re: European Cities that don't interest you

What I like about traveling is experiencing new environments and cultures that are different from the bland car-centric suburban middle america existence that I have spent most of the last 50 years living in. European cities that have followed the car-centric suburban sprawl pattern just have no in...
by bungalow10
Sun Dec 31, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11737

Re: European Cities that don't interest you

I've been to Europe many times over the last 25 years, some with other people, many solo trips. A few cities I have little further interest in include: Milan Brussels Madrid Zurich Florence Athens Hamburg Some of these I have been to more than once, but have little desire to return to again. There ...
by bungalow10
Fri Dec 29, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11737

Re: European Cities that don't interest you

Dresden is like Hiroshima, or Krakow (Auschwitz & Birkenau)-- it's a part of the 20th Century. To understand the 20th Century, you have to go there and see it. (Nanjing would be in that list of course, maybe Guernica, but not sure how much is left of 1937 Nanjing). Found at least one nice restauran...
by bungalow10
Fri Dec 29, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 301
Views: 21419

Re: What frugal thing did you do today?

+ Committed to a Dry January (no alcohol) + Updated my Year End Net Worth + Created a fresh YNAB budget for 2018 + Started intermittent fasting/OMAD (frugal because my clothes are getting tight!) ++Kudos to the gym-goers. I think exercise is always a worth expenditure. I plan to go either running (n...
by bungalow10
Thu Dec 28, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11737

Re: European Cities that don't interest you

Also, I am a big fan of Budapest, but Prague didn't quite do it for me like I thought it would. I have heard this a handful of times For each her own. In a week I am leaving for Prague to take an intensive two-week language course. I like the Czech Republic enough to invest time, money, and mental ...
by bungalow10
Thu Dec 28, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: wisdom of buying a car about to be discontinued
Replies: 17
Views: 2455

Re: wisdom of buying a car about to be discontinued

I admittedly don't know much about the C-Max, but I can tell you they are all over Europe. Not sure if the discontinuation is just a US thing? I rented one a couple months back and liked everything about it except for the turning radius (I'm in Amsterdam and parking is tricky - the tighter the turni...
by bungalow10
Thu Dec 28, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Buying a car advice - what's new since 1994?
Replies: 43
Views: 3134

Re: Buying a car advice - what's new since 1994?

Also want a split bench front seat. Seems they don't make those anymore, but buckets are not comfortable. However some Police Package cars advertise wider seats. Hate center consoles. oh man! the split bench seat! I was just driving a rental car across Germany yesterday and the bucket was so uncomf...
by bungalow10
Thu Dec 28, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 33
Views: 2690

Re: House purchase considerations

If you still had the old house in the same neighborhood and taxes changed next year or any year, would you sell just because you don't like the way taxes went? Buy a house as a lifestyle choice , not a tax choice. Taxes could change who knows how many times over the course of your home ownership.
by bungalow10
Thu Dec 28, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 33
Views: 2690

Re: House purchase considerations

I think it's humorous that people are telling me I can't afford the price of this house. I've had a house this price THIS YEAR in the same suburb (on a smaller salary!). I'm asking about the impact of the new tax structure and rates on the value of housing and impact on take-home pay. I'm trying to...
by bungalow10
Thu Dec 28, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Personal finance software / Alternatives to Mint.com
Replies: 21
Views: 2163

Re: Personal finance software / Alternatives to Mint.com

Capital One is a great bank for anyone who spends time outside the country. No ATM fees anywhere (and the debit card works everywhere!) and exchange rates are the best I've found. Their Venture card also doesn't charge exchange fees and is very competitive on forex. Slight correction concerning ATM...
by bungalow10
Thu Dec 28, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 92
Views: 9353

Re: Any Instant Pot users here?

I'll check back with you in 3 years to see if you're still using it and still enthusiastic about it. Until then, bon appetit! I've had mine for three years (well, two years in the US and now my Europe one - but the US one is one of the few items we saved and put in storage when we left so we can ha...
by bungalow10
Wed Dec 20, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Personal finance software / Alternatives to Mint.com
Replies: 21
Views: 2163

Re: Personal finance software / Alternatives to Mint.com

Sounds like the real problem is Capital One. If they don't work well with any of the software/services you're interested in using, find a different bank. Then you can have your pick of all the options. I have no loyalty to Capital One. The reason we started using them is that we're new to the count...
by bungalow10
Wed Dec 20, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4012

Re: Availability of health care providers - how to factor this in a move?

I understand the desire to live in a small/medium town. Can I recommend university towns? Places like Iowa City, Iowa, that has the University of Iowa Hospital, or Madison, Wisconsin with their UW Hospitals, have the best of small communities (and often very vibrant) AND cutting edge facilities and ...
by bungalow10
Wed Dec 20, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 33
Views: 2690

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 + ...
by bungalow10
Wed Dec 20, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 33
Views: 2690

Re: House purchase considerations

I am also someone who would say rent short term. Once you get to your area you can do a deep dive into the realestate market and see if you can find a great deal on a home over a matter of months. I think it is hard to buy realestate from a distance. Also this experiment could allow you to see what...
by bungalow10
Wed Dec 20, 2017 5:09 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 33
Views: 2690

Re: House purchase considerations

Map by county: Nytimes.com/2017/11/21/business/economy/tax-real-estate.html National Association of Realtors (a heavily biased party) estimated 10-20% in the most expensive markets. State by state report here: https://www.nar.realtor/taxes/tax-reform/how-tax-reform-impacts-homeowners-in-each-state ...
by bungalow10
Wed Dec 20, 2017 5:05 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 33
Views: 2690

Re: House purchase considerations

I would rent under similar circumstances at this time. Buying is much more of a commitment and there are a lot of unknowns right now. Interest rates seem to be moving up after years of going down and then remaining very low since the 2008-2009 financial crisis. Housing markets and prices seem very ...
by bungalow10
Wed Dec 20, 2017 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Taking out a 401k loan to pay down debt
Replies: 12
Views: 1422

Re: Taking out a 401k loan to pay down debt

I've got some high interest C.C. debt I need to tackle. It's roughly 12k I want to get rid of, and traditional approaches (mainly the Ramsey method of paying down smaller debts first) are just taking way too long. Running the numbers, if I take out a loan on my 401k for 12k to pay this debt down, a...
by bungalow10
Tue Dec 19, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 33
Views: 2690

Re: House purchase considerations

Thanks for the additional detail. This is a tough call for me for two reasons: 1. House payment as almost half of takehome pay will make everything feel really tight. Are you and spouse and kids prepared to scrimp on everything else to afford this house/neighborhood? I would put down more if you ca...
by bungalow10
Tue Dec 19, 2017 3:20 am
Forum: Personal Finance (Not Investing)
Topic: House purchase considerations
Replies: 33
Views: 2690

Re: House purchase considerations

At 38, it would seem your crew is in pretty good shape! I would strongly suggest renting for a year to get a great feel for the area and to save a little more cash up. I would try to get the downpayment up or purchase price down a little as it seems 50% of net pay on PITI would be tighter than I pe...
by bungalow10
Mon Dec 18, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 92
Views: 9353

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: 92
Views: 9353

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: 33
Views: 2690

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...