Search found 95 matches

by Onion
Thu Jun 28, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11963

Re: $1 million house--- sanity check

Wow, thank you everyone for all your advice and sharing your personal experiences so far. It's funny to see some saying "Of course you can afford it" and others saying "Of course not!" By the way, the house just went off the market, but this was a very good wake up call for us to think about when w...
by Onion
Thu Jun 28, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 23899

Re: Costco tire - Michelin vs Bridgestone

There was a time when I like Michelins a lot. Then some funny things happened. I got a set that just could not be balanced right. I put up with a very poor ride for 40k miles, and got another set. These were even worse than the first. I took them back to Costco and they agreed, replaced them. The r...
by Onion
Mon Jun 04, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: weighted blankets
Replies: 10
Views: 2116

Re: weighted blankets

I looked into weighted blankets and was concerned about washings and heft. Plus, if I hated it, what then? I purchased a heavyweight cotton blanket for fairly reasonable and use that. It either makes a difference or works as a placebo; either way, I'm happy.
by Onion
Mon Jun 04, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 44
Views: 5123

Re: Recommended Parenting Books

Mindset: The New Psychology of Success by Carol Dweck Eye opening for my own life and it changed how I talk to my children. The book did become a bit repetitive, but it was very good reading. Her website has a guide on growth vs. fixed mindsets, which I printed out and reference for reinforcement. T...
by Onion
Mon Jun 04, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5467

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

If you don't have children and you both enjoy an adventure, go for it. Life can be boring always choosing the safe option. Not to mention, this isn't that risky since you have a large safety net. You can do anything for a year. So, you go, and you find out it isn't what you expected. You'll know wit...
by Onion
Fri Dec 08, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 4207

Re: housing for in-laws

Some of you have astutely sensed that this is a little bit more than a practical or money issue, but a marriage and lifestyle issue. I almost wish I was broke or frugal enough to go for the mancave solution (which is a good idea), but you only get to live one life, you only get to raise your kids o...
by Onion
Fri Dec 08, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6756

Re: It's that time of year again... buying christmas gifts

We get gifts mostly for the kids in my family, and draw names for each adult and have a spending limit of $50. Only need to buy for one adult instead of all the adults.. seems to work well. When the kids get cash they spend some and save some, what they save I put it in their ESA or 529 accounts. I...
by Onion
Sat Nov 11, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 8725

Re: Costco for tires and car insurance?

I haven't checked their insurance quotes, but we use them for tires and have been happy. The free rotations, patching, etc. make it even better and we don't struggle to get an appointment.
by Onion
Sat Nov 11, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 8088

Re: Swedish Death Cleaning [De-clutter your home]

I had never heard of Swedish Death Cleaning before, however, in the past few months it has become a popular trend. If you never heard of it before it's this: http://people.com/home/swedish-death-cleaning-home-organization-trend-to-try/ Anybody else in the process of decluttering? And what about the...
by Onion
Mon Aug 07, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: How much do kids cost in a high COLA?
Replies: 60
Views: 5843

Re: How much do kids cost in a high COLA?

Daycare is an easy number to find in your area; research daycare facilities you're comfortable with, determine the figures, and plug that into your budget. As for the other issues, food, clothes, toys, and activities, my experience is that it depends on how you eat and what your beliefs are on those...
by Onion
Fri May 12, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 4197

Re: Does a new car purchase make sense?

Again, thanks for all the thoughtful replies; I have read them all even if I haven't responded to each of them. We've started the discussion again and I'm going to read through some of the car buying threads on here. I think all the messages in the thread are pushing us more towards buying the car. ...
by Onion
Fri May 12, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Geico Homeowners Ins went up 11%
Replies: 25
Views: 3684

Re: Geico Homeowners Ins went up 11%

Mine went up this year and when I called, the representative told me it was basically related to an increase cost (inflation) in building materials. I then did several other quotes with various companies and they were all significantly higher. So, I stayed with Geico. This is the first time I haven'...
by Onion
Thu May 11, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 4197

Re: Does a new car purchase make sense?

Thanks for all the thoughts, a lot of things to consider. I appreciate the different viewpoints. The safety is not listed on the year car we have, though the next year is a 6. I'll have to consider looking at that for any future vehicle, so thanks! What safety concerns do you and your family have ab...
by Onion
Thu May 11, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: How to find deals?
Replies: 9
Views: 1835

Re: How to find deals?

I have used slickdeals for years. Be mindful that it can be tempting to buy things that you don't need simply because it's a great deal.
by Onion
Thu May 11, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Does a new car purchase make sense?
Replies: 40
Views: 4197

Does a new car purchase make sense?

My question is whether a new car purchase make sense; I'm mostly asking if the safety concerns outweigh taking on a car payment. We have an 8-year-old subcompact car that we purchased new and has been fully paid off for years. We made that choice because we were moving to one income and I wanted to ...
by Onion
Thu May 11, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3692
Views: 1058115

Re: What Movie Have You Recently Watched?

Lion

I read the book first and really enjoyed the movie.
by Onion
Tue Apr 25, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 80
Views: 11049

Re: Helping adult children

To answer your question, if you've made it his business, it is. In my situation, I'm aware of the difference in my situation than my sibling who shares my parents (I have half siblings). My sibling's college was paid for 3 years, that sibling was given a vehicle, etc. and I was made aware of those t...
by Onion
Tue Mar 07, 2017 8:12 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 12592

Re: Did you buy SNAP?

sabhen wrote:made a small profit - holding period 1 day.
Same.
by Onion
Fri Mar 03, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: What degree of stock market decline would tempt you to deviate from your AA?
Replies: 87
Views: 7853

Re: What degree of stock market decline would tempt you to deviate from your AA?

At my age I would not deviate. Given that we have the luxury of time until retirement, I won't dare say what I (think) we would do when we're in our 60's.
by Onion
Thu Mar 02, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I save enough to have decent vacation or restaurant meal
Replies: 125
Views: 14425

Re: Why can't I save enough to have decent vacation or restaurant meal

Some areas to cut costs: 1.) Keep your childrens' activities simple. Allow them to pick one thing a season as an extracurricular activity. 2.) Cell Phone: Look into Cricket Wireless (AT&T) for cell phone service. We have plans that are $35/month with unlimited everything (high speed capped, though)....
by Onion
Thu Mar 02, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 5781

Re: Family Hounding me to Purchase SUV or Minivan

We have this problem as well, though the complains I have to listen to are due to age (it's old, it's going to have problems) and safety (that car is too small, it's unsafe). While attempting to ignore it is an option, it is aggravating to have to listen to it. I try to change the subject when it co...
by Onion
Wed Feb 15, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 10087

Re: Credit cards vs. Cash

I pay nearly everything with credit cards. I make a budget every year for each month, but I don't reconcile the budget each month. I experimented last year, taking our two biggest expense categories and tracking every purchase for a year. I was more aware of what I was spending and I definitely anal...
by Onion
Mon Feb 13, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 16006

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)

Good Luck! Well, I attempted to handle it completely, but she resisted this. We agreed to give her this month to see how things went. As far as "savings" is concerned, I suspect you mean having funds available for short term needed and worthwhile expenditures and/or emergencies. Not sure, but maybe...
by Onion
Sat Feb 11, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 16006

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 2)

I appreciate all of the responses. Depending on the nature of the "shopping compulsion", this might be an addiction that would greatly benefit from professional counseling. If it is an addiction, exerting control over her finances might just drive an emotional wedge between you and your mother while...
by Onion
Thu Feb 09, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 57794

Re: Any books really change your outlook on life?

1.) He Wanted the Moon by Mimi Baird. Read if you or someone you love has suffered with a mental health issue. 2.) A couple of books on simple living or minimalism. Simplicity Parenting by Kim John Payne was great for me as a parent. However, Unstuff Your Life by Andrew Mellen started it all for me,...
by Onion
Thu Feb 09, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 16006

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 2)

I debated on whether to post an update because I hate to keep bumping a thread of mine, but something in me keeps telling me to update this. My hope is that someone in my shoes (or someone who will be in my shoes) will find value in this and can avoid some of the issues I've faced. Things have chang...
by Onion
Fri Jan 13, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 10798

Re: Where do you keep your emergency fund?

I keep it in a taxable investment account. It works for me and has for a number of years; it has doubled in just a handful of years.
by Onion
Thu Jan 05, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Can you recommend a good food scale?
Replies: 14
Views: 1084

Re: Can you recommend a good food scale?

I purchased the American Weigh Scales Table Top Postal Scale on Amazon. I use it for food and shipping - measuring portions, baking, and shipping. I've had it for a few years and I'm happy with it.
by Onion
Sat Dec 31, 2016 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to graduate from college in 3 years?
Replies: 101
Views: 7089

Re: Is it possible to graduate from college in 3 years?

I wish I had been smart enough to think outside the box and work on finishing early to save money. I took the long route so that I could minimize student loans and gain work experience.
by Onion
Wed Dec 28, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help Parents Again?
Replies: 63
Views: 5648

Re: Help Parents Again?

I am answering this far differently than I would have a year ago. In the last year, my father passed away and my mother moved in with me because she couldn't afford to live alone. I excused her financial situation before this, as they had a rough life (with mountains of medical bills) and never made...
by Onion
Tue Dec 27, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 16552

Re: I'll never save a 20% down payment. Rent for life?

I wanted to give you a couple of suggestions. Some might be applicable, some might not. My first suggestion is something I wish I learned about years ago: Look into simple living or minimalism. If you look for videos on YouTube, you'll find an entire range of thoughts, methods, etc. Changing my mind...
by Onion
Thu Dec 22, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Coach bag for wife - how to buy
Replies: 73
Views: 7161

Re: Coach bag for wife - how to buy

Regarding Coach outlet items, anything with an "F" in front of the style number is an outlet-specific item. If you find a tag with a "bullet"-style marking on it, it is a bag that was in the boutique and has now been moved to the outlets to sell. If you find something without an "F" and without the ...
by Onion
Wed Dec 21, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Recommendations for learning yoga, meditation
Replies: 7
Views: 1191

Re: Recommendations for learning yoga, meditation

In addition to the below, check out Tara Brach's website and YouTube channel. She has guided meditations, which you may find helpful in the beginning. I think Jon Kabat-Zinn's introduction to mindfulness meditation in "wherever you go, there you are" is excellent. <snip> Enjoy your exploration! Seco...
by Onion
Wed Dec 21, 2016 8:43 am
Forum: Personal Finance (Not Investing)
Topic: housing options-- stretch for schools?
Replies: 37
Views: 2816

Re: housing options-- stretch for schools?

With the information provided, I would choose option B without hesitation.
by Onion
Mon Dec 12, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3692
Views: 1058115

Re: What Movie Have You Recently Watched?

Captain Fantastic

Recommended.
by Onion
Mon Nov 28, 2016 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to help sister?
Replies: 71
Views: 8044

Re: Best way to help sister?

Da5id: I did offer her tuition reimbursement 10 years ago, but she never took me up on it. I will offer it again. I believe she gets all the government assistance for which she is eligible, but I don’t think she’s applied for Section 8 or other housing programs. I will recommend she pursue these. L...
by Onion
Mon Nov 28, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: what to do with a giant popcorn container
Replies: 19
Views: 1860

Re: what to do with a giant popcorn container

You got some great ideas already. In addition to the above ideas, I have a few: 1.) Storing dry goods in your pantry. 2.) If you want to see it year-round, you could use it as a cache pot for a large house plant/tree. 3.) Blanket storage? And/or rolled up towels or sheets in your linen closet? Simil...
by Onion
Tue Nov 22, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to social security benefits on death of spouse?
Replies: 24
Views: 4610

Re: What happens to social security benefits on death of spouse?

My father is in home hospice this week and we're planning for what happens later; my mom is a bit of a mess and I'm trying to help her where I can. The biggest question is what happens to social security benefits; mom is 67, dad is 69 and both are currently collecting. I've perused this forum and s...
by Onion
Thu Oct 27, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Adding girlfriend under employer's health insurance plan
Replies: 26
Views: 9532

Re: Adding girlfriend under employer's health insurance plan

My spouse and I were in the same situation. In fact, this was one of two issues (both financial) that prompted us to get married. Neither of us wanted a traditional wedding so we found someone who would marry us quickly right in our home. We didn't care about the piece of paper and were already comm...
by Onion
Wed Oct 19, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 24619

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

I know where you're coming from. I work at one of the "big" tech companies, where a lot of employees have done well. In our parking garage you'll find a lot of $100k+ cars. Some of their drivers are in my org & periodically ask why I'm still driving my POS I got in the 90s. Likewise, some of my pee...
by Onion
Mon Aug 29, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Do I need a real estate agent as a buyer?
Replies: 58
Views: 5228

Re: Do I need a real estate agent as a buyer?

In my experience, the best option is to go with a good agent who is offering a rebate. 1% is common, but you might be able to get even more than that. On my last house purchase a few years ago, I worked with an agent, an older guy who ran his own brokerage (no employees and nobody who he had to sha...
by Onion
Mon Aug 29, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Do I need a real estate agent as a buyer?
Replies: 58
Views: 5228

Re: Do I need a real estate agent as a buyer?

If you're open to having an agent, check out Hungry Agents. They will give you a rebate on the sale.
by Onion
Mon Aug 29, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 37243

Re: Frugality regret: What thing do you regret not spending on?

1.) Spouse's car. Purchased right after having our first child and we were dropping to one income in a HCOL area. Big mistake. We went very cheap and six years later I still hear weekly complaints about it. 2.) I wish I had traveled more when I was younger (20's). I was financially-minded and spent ...
by Onion
Fri Jul 29, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 78
Views: 15504

Re: Car totaled, no collision insurance

Now that it's been resolved, I hope you aren't losing sleep over it; it could happen to anyone. You aren't foolish; you're someone who made a choice and have now adjusted your decision based on new information. Good for you. Enjoy the search for a new vehicle.
by Onion
Fri Jul 29, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans? (Update, Pg 3)
Replies: 123
Views: 16006

Re: Advice w/ 62YO Mom Moving In - Rent? Resentment? Plans?

Well, two months in and I thought I would update this thread. My thoughts on the situation are that it has had its ups and downs, but has been fairly smooth overall. I would say it has had a lot more positives than I would have thought and a couple of negatives. My mother's personality quirks can be...
by Onion
Mon Jul 25, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing fairly new home
Replies: 11
Views: 1600

Re: Refinancing fairly new home

There are calculators that you can plug in what you pay now vs. what you would pay and they determine the "break even" point. Zillow has one that is pretty decent. I would try that route and see whether the time frame makes sense for you.
by Onion
Sat Jul 23, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement, House, Kids - How to afford all three?
Replies: 61
Views: 6765

Re: Retirement, House, Kids - How to afford all three?

You can do this. In 1985, we had twins, my wife quit her job (higher paying than mine), and I was making $26,000 per year ( I just checked the SS site). Shortly thereafter, our landlord raised our rent from $365 to $600. We moved but still paid about $600 per month. We were probably contributing 1%...
by Onion
Tue Jun 14, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Moving cross country. Tips? Insurance needed?
Replies: 12
Views: 1087

Re: Moving cross country. Tips? Insurance needed?

The biggest suggestion I have is to donate, sell, or discard anything you don't really want, love or use. Obviously there are exceptions, but, don't pay to move things you don't intend to keep.
by Onion
Mon Jun 13, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: How many activities for your kids?
Replies: 70
Views: 8564

Re: How many activities for your kids?

I grappled with this with my two young children. Ultimately we felt that our children could be in one activity at a time after Kindergarten or during the summer. This summer their activity will be swimming lessons. Beyond that, I am home so we will do a lot of outdoor activities at state parks, we w...
by Onion
Fri Jun 10, 2016 6:52 am
Forum: Personal Consumer Issues
Topic: Quality Coffee Maker?
Replies: 54
Views: 7173

Re: Quality Coffee Maker?

I currently use a french press and I'm happy with it. TonyDAntonio, By the way, you can use your french press to cold brew. 1) Instead of hot water, use cold water and half as much. 2) Instead of 5 minutes, leave it overnight (8 to 12 hours) . It could be in room temperature or inside the refrigerat...