Search found 89 matches

by Cottons
Thu Nov 01, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Time to sell our condo? Advice needed.
Replies: 24
Views: 2631

Re: Time to sell our condo? Advice needed.

We appreciate all the replies. One big thing I forgot to mention, and I'll update the original post as well. I'll be starting grad school in January, and this will be paid with a mix of out of pocket, loans, and tuition reimbursement. So if all goes well we are looking at 2 years of school, followed...
by Cottons
Wed Oct 31, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Time to sell our condo? Advice needed.
Replies: 24
Views: 2631

Re: Time to sell our condo? Advice needed.

Anywhere from 3-5 years from now.
by Cottons
Wed Oct 31, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Time to sell our condo? Advice needed.
Replies: 24
Views: 2631

Re: Time to sell our condo? Advice needed.

I'd lean heavily toward staying put, barring contrary advice from those more in the know re. your local area. Moving's a huge hassle/disruption and there are always additional transition costs, e.g. moving costs, new purchases because the old stuff doesn't look right/fit right in the new place, etc...
by Cottons
Tue Oct 30, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Time to sell our condo? Advice needed.
Replies: 24
Views: 2631

Re: Time to sell our condo? Advice needed.

Yes, we would rent in the same area for the time being until we are ready to leave the state.
by Cottons
Tue Oct 30, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Time to sell our condo? Advice needed.
Replies: 24
Views: 2631

Time to sell our condo? Advice needed.

Since I'm not sure the best format for this, I'm going to throw a bunch of figures out there. Please let me know if you need additional information in order to make a good recommendation. Part of my fear is that if something sounds too good to be true, it probably is. So I'm really looking for y'all...
by Cottons
Thu Mar 17, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Trip to Vail Colorado
Replies: 12
Views: 1599

Re: Trip to Vail Colorado

If she has asthma, are you sure that she will be able to hike (or even be comfortable with simple walking) at the *starting* elevations at Vail? Many "fit" adults are surprised by difficulties (from mild to severe) from the altitudes of Vail and Aspen, before heading higher. RM We did the Yosemite ...
by Cottons
Thu Mar 17, 2016 4:14 pm
Forum: Personal Consumer Issues
Topic: Trip to Vail Colorado
Replies: 12
Views: 1599

Trip to Vail Colorado

The lady and I are making a trip out to Vail at end of June/early July, and I need some input. We both enjoy hiking and being outdoors in general, but the problem we are having is choosing between the overwhelming amount of trails to hike. I'm looking for a solid trail that could take up the majorit...
by Cottons
Tue Feb 23, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: HOA Overreach? (Forced repaint of relatively new houses)
Replies: 20
Views: 3425

Re: HOA Overreach? (Forced repaint of relatively new houses)

I serve as a secretary on a HOA board (please, no pitchforks) and want to provide you some pointers in no particular order. 1. Typically the declarations and by-laws allow first-mortgagees (home owners) the right to request meeting minutes, going as far back as 7 years. I would suggest you request t...
by Cottons
Thu Feb 18, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 24583

Re: What video games are you currently playing?

Over 200 posts and no one has mentioned Path of Exile. Free through Steam, and similar in style to the likes of Diablo.

I also put some time into Civilization 5, Clash of Clans on my phone, and crosswords.
by Cottons
Wed Feb 03, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Advice about a stop in Chicago
Replies: 52
Views: 6362

Re: Advice about a stop in Chicago

Catch the brown line at Diversey, take it north to Belmont, red line to Howard, purple line to Davis, go to Buffalo Joe's. Bring cash. That is a stupid long trip for Buffalo Joe's. Don't get me wrong the wings are good, but not that good. I second (or third?) the suggestion for Kumas Too on Diverse...
by Cottons
Mon Apr 27, 2015 4:24 pm
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 36
Views: 6293

Re: Best touristy places to live in the world?

matonplayer wrote:Asheville NC. We moved to the area from the DC suburbs last fall and we have to pinch ourselves to make sure we're not dreaming.
Great beer there too. :sharebeer Although the drive in/out can be tedious in any weather other than sunshine.
by Cottons
Mon Apr 27, 2015 4:14 pm
Forum: Personal Consumer Issues
Topic: Prepping a house for sale: What are the priorities?
Replies: 33
Views: 6382

Re: Prepping a house for sale: What are the priorities?

#4 - Declutter Might I suggest simply moving everything into storage for now. Reason being that when my wife and I moved last year, we took the must-purge-all approach, and donated/recycled/pitched numerous things. Now here we are wondering "what did I do with that coat?" or "what ever happened to t...
by Cottons
Thu Apr 23, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 4265

Re: 1 day in San Francisco, no car

Agreed with above poster, avoid the Wharf. You can probably get on the BART without a pass, it's frowned upon, but loads of people do it. Clarion Alley if you want to see some graffiti murals. Also Folsom north of 24th has some good murals as well. The 16th ave tile stairs are pretty cool, be sure t...
by Cottons
Wed Mar 04, 2015 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 25
Views: 2513

Re: Recent College Grad Needing Advice

With the figures you provided, you're only left with $50 at the end of each month. That's a pretty slim margin to work with. I'm in a similar boat as you, graduated in 2010, age 28 currently. This is how I would approach the situation. Anyways. My question is simple: where do I go from here? I'm pay...
by Cottons
Thu Feb 26, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Called and Asked for Personal Information
Replies: 16
Views: 2256

Re: IRS Called and Asked for Personal Information

The IRS will only contact you by mail.
by Cottons
Thu Feb 26, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 2553

Re: Father / Son Deep Sea Fishing Trip

Does it have to be Florida? I used to live in NC and I know you can catch some great fish off the coast there. Still has nice warm weather.
Best time of year to go would be after September when the tourists leave. Check out the Wilmington area.
by Cottons
Tue Feb 24, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 159
Views: 28197

Re: Guns for hunting/defense

Just the one since Chicago is strict on gun laws, and I'm cheap. :D

Sig P938
I want a RIA 1911 chambered in 9mm, 3" barrel.
by Cottons
Tue Feb 24, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Pellet stoves -- whats your take?
Replies: 38
Views: 5705

Re: Pellet stoves -- whats your take?

Should you need to ever have your home owners insurance adjusted, and they do an inspection/assessment of your property, your premiums may rise due to the pellet stove. Happened to a couple friends of mine in Wisconsin.
by Cottons
Mon Feb 23, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 19974

Re: What % of your gross income do you spend on mortgage/ren

Approx 13%. DINKs who are less than 1 year into their first home.
by Cottons
Thu Feb 19, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 1720

Re: Best Condo Sell Strategy?

With sites like Zillow and RedFin dimming colors on previously viewed listings without intervention, overpricing is a bad idea. I bought a place last April, and these features made searching for a property very easy. Simply gloss over the ones that are more dull in color. Don't let your place become...
by Cottons
Wed Feb 11, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 94
Views: 24213

Re: Where to buy nice men's dress shirts?

Buying clothing is a hands-on experience. Meaning, you need to get your hands on the material to determine if it's worth purchasing. If it were me, I would stay away from online purchases for this very reason.
by Cottons
Fri Feb 06, 2015 4:45 pm
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 5280

Re: Paperless Office?

I've been using a Fuji Scansnap for years and love it. A document comes in, I scan it, then shred the document. Does color, double sided, dozens of pages at once, runs fast enough for my needs. I'm sure there are other brands available which work equally well. I back up my internal hard drive to an...
by Cottons
Tue Feb 03, 2015 10:50 am
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 7524

Re: POLL: How Will You Complete Your 2014 Taxes?

The tax team here @ work will do it for free. Horray!
by Cottons
Tue Feb 03, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: [Poll] Company & Job Longevity
Replies: 24
Views: 2653

Re: [Poll] Company & Job Longevity

Joined in Dec 2012, company hasn't changed a bit, however my position has.
by Cottons
Tue Feb 03, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 12302

Re: Joining the free dinner circuit? Promises, promises.

I (sadly) work for one of the places that gives these presentations. The majority of these events are to sell annuities, although you'll never hear that word mentioned. Some buzzwords, and clues include, but are not limited to: Risk free Lose no money Tax efficiency Avoid probate Protect retirement ...
by Cottons
Thu Jan 29, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Save More or Travel More ?
Replies: 17
Views: 2429

Re: Save More or Travel More ?

I'm going to play the fence and say do both. You have the emergency fund set up, so that's great. You said you feel like you're behind on savings/investing, but also enjoy taking the family on your trips. So I suggest you continue with the saving as you have been doing, increase it once the DW finis...
by Cottons
Tue Jan 27, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Alternatives to Network Solutions for renewng website domain
Replies: 10
Views: 1716

Re: Namecheap

Thank you for this, and thank you to OP for reading my mind. I too was pondering this the other day.
by Cottons
Mon Jan 26, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Less than a Million Club Poll, your real number?
Replies: 15
Views: 3905

Re: Less than a Million Club Poll, your real number?

I would like to partake, but being that I am just starting to get a sound financial footing, I cannot. Perhaps in future years. :beer
by Cottons
Fri Jan 23, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Anyone else love reading textbooks?
Replies: 82
Views: 5201

Re: Anyone else love reading textbooks?

You should post an ad on craigslist to take exams / write papers for college kids. :moneybag

/sarcasm
by Cottons
Fri Jan 23, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Yearly Expenses - How am I doing?
Replies: 21
Views: 3327

Re: Yearly Expenses - How am I doing?

If you could provide some info as to where you live, that would help us determine how well you're doing. I am near your age, lower salary, and can say that overall it looks like you're doing just fine. The only thing that pops out to me is your restaurant spending. Try and pare that down a little, a...
by Cottons
Fri Jan 23, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: Selling a home - 1st timer
Replies: 26
Views: 3515

Re: Selling a home - 1st timer

I made my first purchase last April, and I'm going to list some turn-offs from a buyer's prospective: 1. clutter - it is hard to see the bones/character of a residence through a mess. 2. Color - Bold colors threw me off. Dark purple walls? I'm thinking about what a pain it will be to cover that, ins...
by Cottons
Wed Jan 21, 2015 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Continue to contribute to NQ annuity, or open Roth IRA?
Replies: 8
Views: 652

Re: Continue to contribute to NQ annuity, or open Roth IRA?

My 401k options are below - bold options are what I am invested in, approximately 25% to each fund. The wife's options are pretty terrible, save for the Vanguard target date funds, so she only contributes to the 2060 option. The VA has a yearly fee of $25, which isn't much, but I know that lower is ...
by Cottons
Tue Jan 20, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Continue to contribute to NQ annuity, or open Roth IRA?
Replies: 8
Views: 652

Re: Continue to contribute to NQ annuity, or open Roth IRA?

I appreciate the feedback. The annuity was the result of medical malpractice when I was younger, which my parents put into a VA for my benefit. It used to be at Lincoln, I transferred it in 2013 to Vanguard, and removed the broker. Maximum contributions to a 401k for myself would be almost 42% of my...
by Cottons
Tue Jan 20, 2015 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Continue to contribute to NQ annuity, or open Roth IRA?
Replies: 8
Views: 652

Continue to contribute to NQ annuity, or open Roth IRA?

Emergency funds: Three months of expenses - contributing to this bi-weekly Debt: Student loans for both at 6% totaling $50,000, half is in deferment - pay $300 monthly to principle for loans in deferment Mortgage @ 4.6% totaling $137k - started last April Tax Filing Status: Married Filing Jointly T...
by Cottons
Wed Jan 14, 2015 3:30 pm
Forum: Personal Consumer Issues
Topic: Life-Teaching Topics for my Kids
Replies: 43
Views: 4908

Re: Life-Teaching Topics for my Kids

How to be self sufficient. (sorry I know it's vague) The ability to find answers to your own questions will help not only your twins, but everyone they interact with as well. Aside from that: Manners - this one should be obvious, but MANY people seem to have missed this lesson How to think through d...
by Cottons
Tue Jan 13, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: Good for property value ?
Replies: 20
Views: 2710

Re: Good for property value ?

Provides a little peace of mind, but that's about it.
by Cottons
Tue Jan 13, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: How do I find the best mortgage refinance rate?
Replies: 20
Views: 8816

Re: How do I find the best mortgage refinance rate?

As others have stated, I've had good success with a local banker. Don't forget to look into credit unions. My folks just shaved off 2% on their mortgage by going through a credit union.
by Cottons
Wed Jan 07, 2015 4:03 pm
Forum: Personal Consumer Issues
Topic: What is the best product to clean golf clubs?
Replies: 14
Views: 1741

Re: What is the best product to clean golf clubs?

I know that a lot of people live by the club cleaner that Frogger makes (http://www.froggergolf.com/brushpro-seo/). I personally use a brush like this during rounds, and use wet towel with dish soap to clean both the heads and grips after every other round or so. Cleaning the grips definitely keeps...
by Cottons
Tue Dec 30, 2014 11:22 am
Forum: Personal Finance (Not Investing)
Topic: The Paradox of Financial Adulthood
Replies: 9
Views: 2012

Re: The Paradox of Financial Adulthood

Ignorance is fear disguised as bliss. Fear of finding out what sort of situation you're really in. So with that being said, congrats on figuring where you stand, and the direction you need to go in. At this juncture, you've beat out a large percentage of the population.
by Cottons
Tue Dec 30, 2014 10:44 am
Forum: Personal Consumer Issues
Topic: Unwanted gifts
Replies: 14
Views: 2264

Re: Unwanted gifts

I keep a running list of wants and needs. It sits on my desk and is regularly updated as times goes by. Some things get added, while others get removed as I realize I no longer want them, or realize I don't need them. Give it a shot.
by Cottons
Mon Dec 29, 2014 5:30 pm
Forum: Personal Consumer Issues
Topic: Electronic gizmos and apps you actually use a lot
Replies: 14
Views: 2297

Re: Electronic gizmos and apps you actually use a lot

cheese_breath wrote:I use an electric razor. That's an electronic gizmo. :happy
+1

Outside of that I use my desktop PC nearly every day.
Steam - for games
Facebook on my phone (no banking/investment apps, they're not secure enough for me to sleep at night)
Google News Stand
by Cottons
Mon Dec 29, 2014 5:24 pm
Forum: Personal Consumer Issues
Topic: Faking your way through sports small talk
Replies: 34
Views: 3969

Re: Faking your way through sports small talk

I have zero interest in professional sports. I am in the same boat, and my approach is as follows: Person A: did you hear/see/watch/smell/taste that sport last night? Me: No I didn't, and I couldn't care less about sports. It isn't always that blunt depending on who Person A is, but it is straight ...
by Cottons
Tue Dec 23, 2014 2:47 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 156483

Re: Boglehead Beer

+1 on the Gumball Head, although it is getting harder and harder to come by.
roymeo wrote:
psychoslowmatic wrote:Right now my personal favorite is Lagunitas' Little Sumpin Sumpin. A great West Coast IPA.
American Wheat. (Like Bell Oberon, or Three Floyds Gumball Head.)
by Cottons
Mon Dec 22, 2014 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 12758

Re: Most/Least Boglehead 2014 Activity?

Least: Purchased washer/dryer/fridge on store CC, 0% interest for 12 months. It was quite a bit of money, but the SO and I just made the final payment, 5 months early. (not so not-Boglehead after all I guess?) Most: Going back to school (community college) put my student loans in deferment. And wor...
by Cottons
Mon Dec 22, 2014 1:49 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 25903

Re: Documentaries to recommend?

Mile, Mile and a Half - the John Muir Trail near (in) Yosemite National Park

Here is the website
by Cottons
Mon Dec 22, 2014 11:08 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3464
Views: 1026428

Re: What Book Are You Currently Reading? Part VI

The Immortal Life of Henrietta Lacks.

you can check it out here.
by Cottons
Mon Dec 22, 2014 10:37 am
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 7830

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I answered no, since I did not have an emergency fund established yet. But this year I do. :)
by Cottons
Thu Dec 18, 2014 1:21 pm
Forum: Personal Consumer Issues
Topic: Favorite sweaters (cashmere or merino)
Replies: 9
Views: 1935

Re: Favorite sweaters (cashmere or merino)

Currently JCrew Factory is having a sale on their sale. An additional 30% off, using promo code Treat. They have a good selection of sweaters.

If you're a little patient, I suggest visiting Marshalls or TJ Max. Ive found a couple Express 100% merino sweaters for $20 each.
by Cottons
Thu Dec 18, 2014 1:06 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42394

Re: What do you splurge on?

High quality, legal-gray-area medicine.
Clothing, I purchase very infrequently so it needs to last a while.
Good beer.