Search found 376 matches

by gator15
Mon Dec 17, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Military-Advice Needed
Replies: 13
Views: 1271

Re: Military-Advice Needed

All, Thanks for the feedback so far. To answer some of your questions, I don't have to worry about another PCS. My current location is where I will remain and I stay here after retirement as well. Also, throughout my career I've documented any medical ailments. Last, I don't have to worry about any ...
by gator15
Sun Dec 16, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Military-Advice Needed
Replies: 13
Views: 1271

Military-Advice Needed

All, I need some feedback. Here is my background. I’m in the military and I’m about 5 years out from being eligible for a pension. At this point, I intend to finish my military career at the 20 year mark. Afterwards, I’m not sure if I want to take on another career. I want the option to work part-ti...
by gator15
Sat Dec 15, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 152
Views: 9580

Re: Favorite Purchase of 2018?

I haven't purchased the iPhone 8, but intend to this weekend which will likely be my favorite purchase. I currently have an iPhone 5 with 16MB. Tried to keep it for as long possible, but it's lack of storage has become annoying.
by gator15
Tue Dec 11, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 241
Views: 18323

Re: What Happened to you during the Financial crisis of 2007–2008

In the 2008, I had every reason to panic sell, but didn't because it felt like I was losing money to quickly to sell. I reached a point where I said I should just ride this out. That year, I had just reached a six figure amount in savings and I saw it cut in half in no time. That year, I left a stab...
by gator15
Thu Nov 29, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3441

Re: How do value the cost of commuting?

I'm commuting over 3 hours a day to work. Have been for 18 months now. Don't do it. It's soul crushing. I would gladly take a pay cut to have a shorter commute. You don't realize how much a commute like that affects your life. You are always tired and in my case grumpy. My workout regimen changed. M...
by gator15
Sun Nov 25, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54440

Re: Name something you had to have and now you regret purchasing it?

Snowboarding boots. Bought them too small but convinced myself they needed to be tight so I performed better on a snowboard. Finally relenting this year and purchasing new boots.
by gator15
Sun Nov 25, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5494

Re: What’s your “barometer” for luxury purchases?

Not sure if this answers the question, but through trial and error I've learned that my barometer is based on happiness. Meaning will that product or experience improve my life or happiness and not bring a level of stress with it. As an example, I've had what so my consider luxury cars in the past a...
by gator15
Sat Nov 17, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2568

Re: Need advice on (2) jackets.

Let’s be honest, whether you get a Canada Goose jacket, Patagonia, Arcteryx or any other expensive coat they are all some form of status symbols and can be interpreted as flaunting wealth or whatever based on who sees you in the jacket. Whether you are buying the jacket for warmth or style its your ...
by gator15
Sun Nov 11, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1913

Re: 20th Anniversary vacation ideas wanted

Fiji if you want R&R. Queenstown,NZ for adventure
by gator15
Sat Nov 03, 2018 4:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep the Mazda or the Lexus?
Replies: 10
Views: 1117

Re: Should I keep the Mazda or the Lexus?

I own a CT200 and the only positive is the mpg. Easily the worse car I’ve own. Sits very low to the ground, lacks horsepower and isn’t a fun car to drive. If you looking to get from point a to b only with good mpg you have your car. Otherwise don’t purchase. Bought mine because I commute to work 150...
by gator15
Sun Oct 28, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Just Moved. Furnishing Apartment. Beanbag recommendations
Replies: 19
Views: 1650

Re: Just Moved. Furnishing Apartment. Beanbag recommendations

Get a love sac. I purchased mine 15 yrs ago when I was single and young. I still own it and it sits in our family room in the basement. They are pricey though
by gator15
Mon Oct 22, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4459

Re: Canada Goose Jacket

Bought one a couple of years ago. Excellent jacket and certainly warm. Use it mostly when I'm in the mountains skiing.
by gator15
Wed Oct 17, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Masters Degree Advice
Replies: 25
Views: 2513

Re: Masters Degree Advice

I have a friend who has a bachelors in systems engineering and a masters in space systems engineering. He earns in the $150k range. I don’t get the sense if has reached the ceiling in earning potential nor promotion potential
by gator15
Sun Sep 30, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Now or Wait
Replies: 18
Views: 1660

Re: Retirement Now or Wait

You have 40x expenses. I would have retired yesterday.
by gator15
Sun Sep 30, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Now or Wait
Replies: 18
Views: 1660

Re: Retirement Now or Wait

You have 40x expenses. I would have retired yesterday.
by gator15
Wed Sep 19, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25806

Re: What is your single most expensive mistake?

Pretty sure I’m making the single biggest mistake of my life right now. Only time will tell.
by gator15
Sat Sep 15, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53970

Re: What is your luxury good?

Monthly massages for the wife and I.
by gator15
Sat Sep 08, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16794

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Went to New Zealand in 2008. Drove from Christchurch to Queenstown. Really enjoyed the trip, especially Queenstown which is the adventure capital of the world. Being an adrenaline junky at the time, really enjoyed sky diving, buggy jumping and acrobatic plane rides. Its also beautiful there
by gator15
Wed Aug 15, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4848

Re: Adult piggy bank

I have a piggy bank where I keep change. Takes about two years to fill. Use the money buy a cool gadget or fund an experience. Also use the Acorns. Used the money saved in acorns to fund a trip to Miami earlier this year. It will also fund my next trip.
by gator15
Sun Aug 12, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: how much car can we afford?
Replies: 130
Views: 6767

Re: how much car can we afford?

With your income and net worth I would be comfortable spending no more than $55k. The BMW you want is certainly within that range.
by gator15
Mon Jul 30, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Air Conditioning? [How to finance?]
Replies: 76
Views: 5434

Re: Air Conditioning? [How to finance?]

Have Home Depot install the AC. They offer 0% interest for 24 months.
by gator15
Wed Jul 11, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 16
Views: 1872

Re: Relocation to Atlanta

Never lived there but always heard great things about Peachtree City when I lived in Atlanta.
by gator15
Wed Jul 11, 2018 8:42 pm
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 16
Views: 1872

Re: Relocation to Atlanta

Never lived there but always heard great things about Peachtree City when I lived in Atlanta.
by gator15
Fri Jun 22, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22459

Re: Did you celebrate when you finally hit $1m?

I go to Vegas when I hit milestones. One of my favorite places in the world. Waiting for the next milestone so I have another reason to go.
by gator15
Thu Jun 21, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 379
Views: 37167

Re: What is/ was your career and would you recommend it now?

HR and no. Would go into tech if I could do it again.
by gator15
Sat Jun 09, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 14587

Re: Best Advice You Never Took

Wife tells me I need to stretch more. She’s been telling me this for 10 years now. I should probably listen as I have no flexibility.
by gator15
Wed May 30, 2018 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pueblo, CO area places to live
Replies: 12
Views: 1526

Re: Pueblo, CO area places to live

Live in Colorado Springs. Manitou Springs and the Colorado College area are fine as mentioned earlier. Broadmoor is were I would live but I’m not sure your budget will get you there. Northwest near the Air Force Academy is also nice. Peyton gets you more bang for your buck. Many move there for that ...
by gator15
Mon May 28, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5514

Re: Splurging on the NBA finals

I wouldn’t go unless I had good seats. For me that’s club level or lower. I wouldn’t worry about the price if you can afford. I’ve never regretted splurging on tickets. I paid about the price you mentioned for Masters tix a few years ago. Great experience
by gator15
Mon May 28, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9441

Re: Help Buying Mens Shoes for Work and Dating

Unrelated to the topic but since you are talking about work and dating, if you decide to tuck your shirt into your pants please wear a belt. It looks better. Often see violators of this rule.
by gator15
Sun May 27, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 11637

Re: Peloton spin bike worth the high cost?

I don’t own one but would likely get one if I didn’t already own a pretty nice bike. We are a family with a lot gym equip in our basement, multiple bikes and gym memberships. Some would call it a waste but we like options and we use all of our stuff.

If you think you will use it, buy it.
by gator15
Wed May 09, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 2039

Re: Another Vehicle Question

When I saw $80k, I knew there was no chance of getting Boglehead approval for this purchase.
by gator15
Mon May 07, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 7066

Re: How much car to buy on $250K income, $200K NW, newborn on the way

With that income I would be comfortable spending up to $50k
by gator15
Wed May 02, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 9688

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

I have a 2015 JGC bought new. I love the vehicle. I ultimately bought it because I got a lot of bang for my buck. I considered a 4 runner but I didn’t like the interior. Didn’t like the look of the pilot. I like the explorer but liked the JGC and Lexus GX 460 more. While I wanted the Lexus I didn’t ...
by gator15
Sun Apr 29, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: AF pilots and retention bonus, glad you stayed or happy you went?
Replies: 27
Views: 4156

Re: AF pilots and retention bonus, glad you stayed or happy you went?

I have a friend who separated at nine years of service and was about to pin Major at the time. I thought he had a very strong chance of being an O6 one day as he was being groomed for battalion command. Despite his successful military career, he decided to separate anyway. When I asked him why he wa...
by gator15
Wed Apr 25, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 6757

Re: Comfortable Commuter Cars under $50K

If I had your budget I would look into the Hyundai Genesis. I’ve never driven one but others I know seem to like them. I have a Jeep Grand Cherokee I drive from time to time for my commute and I think it’s pretty comfortable. Just drove it on a 1200 miles road trip and it was great.
by gator15
Tue Apr 24, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: In-laws financial advisor rip off
Replies: 35
Views: 4627

Re: In-laws financial advisor rip off

Would help if I thought their bad money management skills could lead to them being broke in the future. While it’s not your problem now it could be in the future if they need financial assistance from you. I would probably get ahead of their problem now before it becomes your problem in the future.
by gator15
Mon Apr 23, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 15379

Re: Work Commute: How far is too far?

My commute has me in my car for over 3 hours each day. Been doing it for 10 months now. Sucks I've been doing 3.5 hours daily for 15 months. "Sucks" is an understatement. This is affecting my health and will prematurely kill me unless I find the cajones to pull the ripcord. I’m not sure if the comm...
by gator15
Sun Apr 22, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: 2011 Acura RDX
Replies: 11
Views: 1300

Re: 2011 Acura RDX

We have a 2012 with around 65k Miles. We bought new and it’s been great. Only routine maintenance to this point.We bought the AWD version because we live in snow country. We drove it nearly 2k miles round trip a couple of years ago and it was pretty comfortable throughout the trip. At this point we ...
by gator15
Thu Apr 19, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 33051

Re: How old are you and how much do you save for retirement a year

30s and this hasn’t been a good savings year. I should be making hay while the sun shines and I haven’t like I have in years past. Good news is I’m addressing debt
by gator15
Fri Apr 13, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 15379

Re: Work Commute: How far is too far?

My commute has me in my car for over 3 hours each day. Been doing it for 10 months now. Sucks
by gator15
Wed Apr 11, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42394

Re: Name something you bought that wasn't cheap and glad you did

Probably my road bike. Cost a few thousand but I really enjoy riding it.
by gator15
Wed Apr 11, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42394

Re: Name something you bought that wasn't cheap and glad you did

Probably my road bike. Cost a few thousand but I really enjoy riding it.
by gator15
Sat Apr 07, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 15712

Re: What is your AA, given your age? and, Why?

Late 30's. 95% stocks/5% bonds. It's been tough to stay with this asset allocation as the market has taken these big swings over the last couple of months. Think I will stick with this allocation for the time being because I'm eligible for a pension in 6 years.
by gator15
Fri Apr 06, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 6489

Re: [When is going out to a restaurant worth it to you?]

I rarely go out anymore because of the expense. Food and drinks generally equal $100 or more and then you have to throw in a 20% tip. If we go out it's generally for special occasions. I generally try to avoid chain restaurants at all costs. I'm a decent cook and can generally cook just as good as t...
by gator15
Sat Mar 17, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 35496

Re: Those with high savings rate: why?

I have a high savings rate because my wife and I have decent incomes and I don’t want to look back 20 years from now and realize I squandered thousands of dollars and I have nothing to show for all our hard work.
by gator15
Fri Mar 16, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 7880

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I’m not sure I would ever be comfortable owning a car that expensive. While you may hold the vehicle in high regard, the average person won’t. I would be overcome by the fear of someone else scratching or denting my car. Despite my best effort to meticulously maintain my sports cars in the past it’s...
by gator15
Sun Mar 11, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156483

Re: Boglehead Beer

just got a bottle of Dogfish Head 120 Minute IPA. Looked for this beer for a couple of years and finally ran across a bottle. Think I will open next weekend. I can't open now. I'm hopped on cold medicine now.
by gator15
Mon Feb 26, 2018 10:59 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 15379

Re: How Far is too Far, Commuting?

I dislike my commute so much I'm considering giving up promotion opportunities which could result in lost wages and retirement income to the tune of a lot of money. To reach that point would require me to continue my commute for seven more years. For me, it just isn't worth it. What's the point of ...
by gator15
Sun Feb 25, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 15379

Re: How Far is too Far, Commuting?

I’m dealing with this now. I drive 75 miles one way everyday. I spend about 3.5 hours in my car each day. It’s soul crushing. That sums it up pretty well lol.... interesting thread. Have lived in a few big cities, recently my commute is 15 mins through town, though considering a move that would mak...