Search found 166 matches

by SuperGrafx
Thu May 17, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Stop ESPP and 401k before quitting job?
Replies: 3
Views: 292

Re: Stop ESPP and 401k before quitting job?

I did recently when I switched jobs, mainly because I know how slow and inept my previous Megacorp was at handling these types of requests. Submitted a request to halt my 401k contributions about 2 weeks before my last day of employment. The change actually took place about 8 business days later. My...
by SuperGrafx
Thu May 17, 2018 12:21 pm
Forum: Investing - Theory, News & General
Topic: Bank Interest Rates — when will they go up?
Replies: 25
Views: 2714

Re: Bank Interest Rates — when will they go up?

Discover Online Bank just boosted their savings interest rate to 1.55% this morning.
It's been at 1.50% for a while, and they usually lag a bit behind Ally, etc.
by SuperGrafx
Wed May 16, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 5925

Re: Would you send your children to private school in my situation?

OP brings in $900k annually. He/she can easily afford private school.

Why is this even a question?
by SuperGrafx
Tue May 15, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2558

Re: Any experience with Blue Apron?

Don't really see the appeal.
Seems expensive and wasteful in many regards.

I don't buy this 'I'm too busy to go to the supermarket" nonsense that supporters of these services seem to claim either.
by SuperGrafx
Fri May 11, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4307

Re: Anyone buy carbon offsets when flying?

DanMahowny wrote:
Fri May 11, 2018 9:28 am
No moral dilemma here. In my view it's a complete waste of money. Sorry man.
100% agreed.
by SuperGrafx
Fri May 11, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2142

Re: how to figure that shoes need replacing

I'm not a fashionista but I would be laughed at if I walked into a meeting with CFO with duct tape wrapped around my shoes. This thread is interesting, but not nearly as much of a forehead-slapper as the other one "when should I buy new underwear" Sheesh! Amen. Lately this place is becoming less ab...
by SuperGrafx
Mon May 07, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 124
Views: 9946

Re: What have you baked recently?

I've been trying out various no-knead bread recipes.

They are simple and yield a great finished product.
Plus you can experiment using different baking vessels and technique variations for different results using the same base dough recipe.
by SuperGrafx
Mon May 07, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 5923

Re: When to buy new underwear?

This is yet another one of those hilarious and bizarre threads that pop up on the Bogleheads forum from time to time.
Nothing will ever top the "When should I replace my toilet brush" thread.

Kind of funny and sad at the same time.
by SuperGrafx
Thu Mar 29, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13288

Re: Healthy eaters -- is this grocery budget normal to you?

This topic is going to be locked.

People can be so thin-skinned and unreasonable when it comes to these types of discussions, lol.
by SuperGrafx
Mon Mar 19, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fast IRS refund
Replies: 41
Views: 3906

Re: Fast IRS refund

I did my taxes through H&R Block...they did a great job.

I got my refund exactly two weeks after I filed with H&R.
And that factored in that I was receiving a paper check from the IRS.
by SuperGrafx
Fri Mar 16, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How does everyone here earn so much?
Replies: 131
Views: 7271

Re: How does everyone here earn so much?

Keep in mind, one can write whatever they want for their salary. I'm reasonably convinced that there is a certain amount of fibbing that goes on in these forums. While I'm sure that some folks have high salaries, I'm also sure that some folks have regular salaries but are embarrassed to post that s...
by SuperGrafx
Fri Mar 16, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 31190

Re: Those with high savings rate: why?

Bottomline...I save a large portion of my income to guarantee me an early and comfortable retirement.

I have zero intentions of leaving any money for heirs OR donating to charity.
My taxes support charities as far as I'm concerned.
by SuperGrafx
Thu Mar 15, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5231

Re: Tires on a 15 year old car....Replace or not?

Replace.

This is not something to cheap out on.
Tires make a big difference.
by SuperGrafx
Thu Mar 15, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Do you think it’s possible to get a job in a big city if I get an MBA from a mediocre school?
Replies: 30
Views: 2389

Re: Do you think it’s possible to get a job in a big city if I get an MBA from a mediocre school?

I think this guy is trolling.

This is the same poster who receives $100k yearly from his family without having a job or any ambitions.
by SuperGrafx
Wed Mar 14, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

I shoveled my driveway (live in Northeast). It saves money. You get exercise, avoiding the gym. It also warms you up, so you can set the heat lower. Right there with you, my friend. Just finished shoveling my driveway as well. I find that one will do a much better job shoveling by hand than with a ...
by SuperGrafx
Wed Mar 14, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

I am an Amazon Prime member. Benefit is 2-day free shipping, which I only use if needed in a rush. Otherwise, I opt for regular free shipping (5-7 days) and receive a $1 credit towards future video rental stream. Let the credit accumulate ~ $5 and get a free rental every month or so. Interesting to...
by SuperGrafx
Fri Mar 09, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Would YOU retire
Replies: 67
Views: 8946

Re: Would YOU retire

2.35 million.
Yep, you are good to retire.
You can't take it with you.
by SuperGrafx
Wed Mar 07, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 3187

Re: Switching to online bank. Keep brick/mortar bank account open?

Absolutely keep your brick and mortar account open.
If nothing else, for the convenience of having the ability to walk in and conduct business in person.

These 'online only' posters really worry me sometimes.
by SuperGrafx
Mon Mar 05, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Are you ready for Amazon checking?
Replies: 42
Views: 6070

Re: Are you ready for Amazon checking?

Nothing against Amazon, but I'm happy with my current banking and brokerage setup.
by SuperGrafx
Mon Mar 05, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 27
Views: 2849

Re: wild caught sockeye salmon

VictoriaF wrote:
Mon Mar 05, 2018 1:29 pm
Watty wrote:
Mon Mar 05, 2018 11:44 am
Try Costco, they usually have several types salmon fillets.
I buy frozen Wild Alaskan Sockeye salmon at Costco for about $32 for a 3-lb bag. Costco has a good reputation for selecting quality products.

Victoria
This is not just one isolated incident:
https://youtu.be/MZXhgaJE-Ms
by SuperGrafx
Fri Mar 02, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6545
Views: 1402491

Re: Buying the latest dip

Just made the final contribution to my 2018 IRA, so I'm maxed for the year.
The dip, while nice, really has no bearing on my investment strategy.
by SuperGrafx
Wed Feb 28, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8073

Re: Physical cash

I keep about $200 in cash in my house.
Usually average about $100 in my wallet.

It's a good idea to have at least $100 on hand. You never know what tomorrow may bring.
by SuperGrafx
Wed Feb 28, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38025

Re: What UN-frugal thing do you do?

taguscove wrote:
Wed Feb 28, 2018 7:54 am
I throw all my change in the tip jar, or trash can if none is available.
Instead of throwing your coins in the trash, why not just leave them out on a table or counter.
I'm sure there are children and/or coin collectors who would love your spare change.
by SuperGrafx
Wed Feb 28, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38025

Re: What UN-frugal thing do you do?

I find the vast majority of Chinese products are truly inferior. Fit and finish, rough edges, disposable nature, dodgy instructions, you name it. +1. I have some Japanese products that are 20-25 years old but still work like new. Excellent fit and finish. No rough edges. Yep. I don't hesitate to bu...
by SuperGrafx
Tue Feb 27, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: 2.75% 13 month CD New England Only
Replies: 4
Views: 858

Re: 2.75% 13 month CD New England Only

Sounds interesting, however, I'm reading the fine print a little more closely .... As stated on the Important Account Information page, the Early Withdrawal Penalty reads as follows: If your account has an original maturity of one year but less than twenty four months: The penalty we may impose will...
by SuperGrafx
Tue Feb 27, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38025

Re: What UN-frugal thing do you do?

billy269 wrote:
Tue Feb 27, 2018 1:07 am
I splurge on name brand Q-tips. The off-brand ones just don't feel the same in my ear canals.
Great example.
Definitely a case of you get what you pay for!
by SuperGrafx
Tue Feb 27, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Visa now 5% back at Whole Foods
Replies: 30
Views: 2840

Re: Amazon Prime Visa now 5% back at Whole Foods

Ninnie wrote:
Mon Feb 26, 2018 8:19 pm
I'm not suggesting anyone change their shopping habits. But for those of us who already shop at WF, it's great.
+1
The Costco brigade always chimes in with their comments.
by SuperGrafx
Fri Feb 23, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

Some of the younger staff that I work with don't even value learning how to drive...they're perfectly content with just using a bike or uber, which blows my mind. The world is changing, and not necessarily for the better. Considering the high cost of car ownership and the huge health benefits of cy...
by SuperGrafx
Fri Feb 23, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

Brought my lunch to work, as I do most days (and as others have also mentioned in this thread). It's amazing how much $ people will spend on eating lunch out/getting Starbucks every day. (I've never been a coffee drinker, so that helps me save, too.) Even spending just $3-4 a day more on buying lun...
by SuperGrafx
Fri Feb 23, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38025

Re: What UN-frugal thing do you do?

I go out of my way to find and buy goods that are Made in America. Folks think that nearly everything is made in China these days (and in most cases they're right), but I'm constantly impressed by the Made in USA offerings one can find if they simply take a few minutes to review before just blindly...
by SuperGrafx
Fri Feb 23, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 45
Views: 4598

Re: How am I really doing for retirement savings?

I'm sure this will get deleted, but I've noticed a trend with all of your threads: you are constantly seeking validation from others (or constantly making humblebrags). You are doing fantastic, no need to keep asking. A huge number of "how am I doing" threads are like this. This board can be pretty...
by SuperGrafx
Wed Feb 21, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38025

Re: What UN-frugal thing do you do?

I go out of my way to find and buy goods that are Made in America. Folks think that nearly everything is made in China these days (and in most cases they're right), but I'm constantly impressed by the Made in USA offerings one can find if they simply take a few minutes to review before just blindly ...
by SuperGrafx
Mon Feb 19, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

I dress crappy + go down to the corner church soup kitchen for free lunch. :shock: I thought soup kitchens were intended for the truly needy. :? Wow...this website's name really should be changed to "miserheads" Members who have millions of dollars saved up, yet take great pride in living like penn...
by SuperGrafx
Thu Feb 08, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5887

Re: Laughter is the Best Medicine - What makes you Laugh?

Mark Dice on youtube.

His videos never fail to make me laugh!
by SuperGrafx
Thu Feb 01, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

kenoryan wrote:
Wed Jan 31, 2018 10:33 pm
I had a tree fall in my yard. The tree service quoted me $900 to take it down and haul it away.

I went to Menards and bought an electric chain saw for $70. I cut down the tree and chopped it into firewood. Took me 3 hours but I saved $830! I bought 3 shares of SPY!
Nicely done! :beer
by SuperGrafx
Tue Jan 30, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

jadd806 wrote:
Mon Jan 29, 2018 8:22 am
Why would anyone care what random strangers in public think about them?
Because that tells me someone has taken this frugality thing a bit too far.
by SuperGrafx
Wed Jan 17, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

I always buy my summer cloths at the end of summer and winter cloths at the end of winter. I always look poor when I go shopping. Sometimes I get a big discount. I went to a restaurant while I was traveling and someone tried to slip me a $5. Said his wife felt sorry for me. When I left I paid there...
by SuperGrafx
Mon Jan 08, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

I shovelled my walk and driveway the old fashioned way (a shovel) instead of firing up a snow blower. That's a two hour workout for the cost of a snow shovel, and I can use the snow shovel again and again. Since my town is more or less snowed in, I prepared and ate all my meals at home. Since I hav...
by SuperGrafx
Thu Jan 04, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

I read fairly fast. So I returned the books that I got from Amazon the other day for free returns. Don't bend the spine or crinkle the pages. Return as received in brand new condition. Most books are not worth keeping unless reference or something to gift or pass on. I don't know if others do this....
by SuperGrafx
Thu Jan 04, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

I spent an hour air sealing / shrinkwrapping my windows.
by SuperGrafx
Fri Dec 29, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Checking your internet options can save you money
Replies: 9
Views: 1364

Re: Checking your internet options can save you money

Don't forget to factor in installation and one-time activation fees.
Also, some providers charge an early termination fee if you jump ship in less than a year.
by SuperGrafx
Fri Dec 29, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 19752

Re: Do people still use AAA?

I still use AAA
They've been super helpful in those unexpected emergencies, so I find it worthwhile to maintain my membership.
They're towing partners have always been super responsive and helpful if/when I needed them.
by SuperGrafx
Fri Dec 29, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 39
Views: 5135

Re: Alliant 3/2.5% card - any experience?

I finally got the card! It's rather unremarkable and the 16-digit number is printed in small letters on the back rather than embossed on the front. I think that's the new trend. My Citi Double Cash also eschews the embossed front number system. Everything is silkscreened onto the back of the card.....
by SuperGrafx
Fri Dec 29, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 41860

Re: What frugal thing did you do today?

I took the time to trace and disconnect an existing doorbell system in my house.

I completely removed the attached transformer from my circuit panel and undid all associated wiring.
by SuperGrafx
Thu Dec 28, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Saving a little, here and there...
Replies: 21
Views: 3966

Re: Saving a little, here and there...

My thing is buy-quality-and-buy-less. I have a few pair of cordovan dress shoes that would cost about $700 a pair in today's dollars that are more than 20 years old and look perfect. One pair is from the Bush administration (and I mean HW!).The shoemakers still restore then on original lasts! I've ...
by SuperGrafx
Thu Dec 28, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4359

Re: Different ways to order coffee

I asked why the coffee tasted so bland compared with my Seattle experience and was informed that they changed the recipe when they began opening shops farther east to accommodate the American palate. I am sure volume purchasing had a lot to do with it. Actually, I remember McDonalds doing something...
by SuperGrafx
Thu Dec 28, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: What computer should I get?
Replies: 36
Views: 3560

Re: What computer should I get?

Can't go wrong with any of the Microsoft Surface models.
Have had one since 2015 and I can honestly say it ranks up there as one of the best laptops I've ever owned.
The fact that it doubles as a tablet is an added bonus.