Search found 124 matches

by auggiedoggies
Tue Jul 10, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5461

Re: Should I take a $60k paycut to work 4days/week

Can I ask what your goals are short and long term? We would like to be “financially independent” by about age 55. Maybe retire in early 60s. Also pay for kids education and help our parents out when they retire. Now I’m not sure if it’s better to spend more time with family and maybe reach FI at 60...
by auggiedoggies
Thu May 24, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 34
Views: 3112

Re: any disadvantages to using Delta Skymiles for fare?

Do you have any travel credit cards, such as Chase Sapphire Reserve or Amex Platinum?

If you do, a lot of the higher end ones have great travel insurance built in. All you have to do is pay the taxes/fees with the card and you're covered.
by auggiedoggies
Thu May 03, 2018 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6741

Re: Pay $2500 in rent or continue living at home

or you could go with Option 3: Stay where you are but pay $1000 in rent to your parents (Plus your share of utilities if you aren't already paying utilities). You save $1500 monthly - they get $1000 monthly to offset your being there. Win-win. EXACTLY! Considering OP specifically stated that he is ...
by auggiedoggies
Tue May 01, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9607

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Man, some of these replies make it seem like they're driving through a 3rd world country. Special devices that send an SOS signal when there's no cell service? GPS tracking apps? What's next, a shotgun and a set of crutches? As a pair of 19 year old college girls who have already lived on their own...
by auggiedoggies
Mon Apr 30, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 9607

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Man, some of these replies make it seem like they're driving through a 3rd world country. Special devices that send an SOS signal when there's no cell service? GPS tracking apps? What's next, a shotgun and a set of crutches? As a pair of 19 year old college girls who have already lived on their own ...
by auggiedoggies
Mon Apr 02, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 44
Views: 4022

Re: Can we afford this house?

I think you will be totally fine to be honest. Wife and I were younger than you, and bought a slightly more expensive home (400k) on a slightly larger salary (130k) in the south metro (Chan/EP area) about 2 years ago. We then had a baby who had medical issues, rang up a bill of ~12k. Things were tig...
by auggiedoggies
Tue Sep 12, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 4621

Re: "Luxury" Vinyl vs Laminate flooring?

We want something that offers the look of wood, but is more waterproof/lower maintenance/more durable, and also isn't horrifyingly expensive like a super strong hardwood is. Horrifyingly expensive? We just priced out solid strand bamboo and is was exactly the same price as luxury vinyl planking per...
by auggiedoggies
Tue Sep 12, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 4621

Re: "Luxury" Vinyl vs Laminate flooring?

We want something that offers the look of wood, but is more waterproof/lower maintenance/more durable, and also isn't horrifyingly expensive like a super strong hardwood is. Horrifyingly expensive? We just priced out solid strand bamboo and is was exactly the same price as luxury vinyl planking per...
by auggiedoggies
Tue Sep 12, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 4621

Re: "Luxury" Vinyl vs Laminate flooring?

Sandtrap wrote:
Mon Sep 11, 2017 4:09 pm
Pets. Children. Spills. Etc.

Consider stone, ceramic, solid surfacing, etc.
I've heard people say this, but my personal experience is that we currently have tile, and it's cracked. Is this not common?
by auggiedoggies
Mon Sep 11, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 4621

"Luxury" Vinyl vs Laminate flooring?

Hello all, I posted a question several months ago inquiring about a choice between wood look tile and a vinyl flooring. You folks were very helpful. Hoping to get some more advice here. We are looking to replace about 1000-1500 sq ft of tile in our Kitchen/Family Room/Living Room. We are currently i...
by auggiedoggies
Wed Jul 19, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 8576

Re: Is Amex Platinum worth the high fees?

I just heard on the radio the other day that only 10% of people use their air miles. Can't imagine payng for a credit card. No matter what they offer. In general, it's a good idea to incorporate base rates in your assessments. However, in this case, people not using their reward miles and points ar...
by auggiedoggies
Mon May 01, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 4381

Re: Kamado grill

I have the Costco 'Pit Boss' version, it was $399 on sale last summer (goes on sale annually) https://www.costco.com/Pit-Boss-Ceramic-BBQ-Grill-.product.100295951.html Pros: - When on sale, it's a very good deal for a large Kamado. (Even the regular in-store price of $650 is decent, but I'd wait fo...
by auggiedoggies
Sat Mar 18, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7973

Re: Suspicious organic products

Really? I would think taste of fruits/veggies is enhanced by buying food that is grown in the ideal climate for that specific food. One can grow veggies organically or use spray on the same veggies to keep away bugs/weeds in nearly the same location/climate. I believe that locally grown fruits and ...
by auggiedoggies
Sat Mar 18, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Overextending by buying? How much house to buy?
Replies: 57
Views: 6354

Re: Advice: Overextending by buying? How much house to buy?

I probably should keep my comments to myself, but it just seems crazy that anyone would want to live in these kinds of areas! Its a huge sacrifice to your financial independence in the future. I see the sexiness for the young tech family that just knows they will be the next facebook, but as a doct...
by auggiedoggies
Sat Mar 18, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 7973

Re: Suspicious organic products

Went to the local walmart grabbed one just to try. At home I opened the package and realized that my wife bought the exact same brand exact same size exact same rice just not organic. You won't believe how they both look exactly same. The texture the color, the size the shape. The price is 50% more...
by auggiedoggies
Thu Mar 09, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 6325

Re: Where to buy rare steaks?

However, the real solution is cooking the steak sous vide. I had never heard of this before. Couldn't even pronounce it properly. I did a little research and it's pretty interesting. Researching that however sent me to an article on the "reverse sear" style of cooking steak and I think I am going t...
by auggiedoggies
Wed Mar 08, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 6325

Re: Where to buy rare steaks?

Look around and see if you can find a local farmer selling beef. I get a quarter cow of grass fed beef and the steaks are the best I've ever had

www.eatwild.com is a great resource for finding lists of local farms
by auggiedoggies
Mon Feb 27, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Optum Bank HSA using Admiral shares on Vanguard funds
Replies: 32
Views: 10798

Re: Optum Bank HSA using Admiral shares on Vanguard funds

I wish my employer uses Optum Bank! :( My employer uses Health Equity and most of my money is in the investment section. The funds available are not idea and have high fees and expenses. I am transferring the bulk of my money to Optum Bank HSA to invest in Vanguard funds. I spoke to a rep at Optum ...
by auggiedoggies
Fri Feb 24, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 43
Views: 5369

Re: Dishwasher suggestions. LG Quad Wash vs???

Just got a Bosch 500 series with the 3rd rack. Super quiet, and our dishes are extremely clean. No heating element means that we can put anything on any rack, which is awesome. I thought all dishwashers had heating elements. Does this mean that dishwashers with heating elements cannot have certain ...
by auggiedoggies
Fri Feb 24, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing a new house -- Are we being stupid to consider it?
Replies: 35
Views: 5139

Re: Purchasing a new house -- Are we being stupid to consider it?

Man, I had a reply all typed out but looks like it didn't go through. I'll try to regurgitate some of it to answer a couple of the questions and provide some additional context. - Rental property is going into the second year of a two year lease. Negative cash flows of about $200 dollars per month....
by auggiedoggies
Thu Feb 23, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 43
Views: 5369

Re: Dishwasher suggestions. LG Quad Wash vs???

Just got a Bosch 500 series with the 3rd rack. Super quiet, and our dishes are extremely clean. No heating element means that we can put anything on any rack, which is awesome.
by auggiedoggies
Mon Feb 13, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2973

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

Very interesting question, and one that I honestly struggle with myself. I'll tell you my situation, and see what others think. I suspect that the amount of "risk" I am taking on is probably a bit much for most on the board. Wife and I are both 27. We have stable jobs and live in a Midwest city with...
by auggiedoggies
Wed Feb 08, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 13586

Re: Hardwood floors vs Wood Look Tile?

Again, thank you everyone for the feedback! A couple of thoughts: We currently have tile. It is cracking in a few spots, and needs to be replaced. It also looks dated, as it is original to the house (about 20 years old) We have a pretty nice house, but nothing extravagant. We are a young family, so ...
by auggiedoggies
Tue Feb 07, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 13586

Re: Hardwood floors vs Wood Look Tile?

I put the wood tile down on one side of a rental 2 years ago. I was trying to go for durability as well as not have plain ceramic tile. In retrospect, I wish I hadn't. The tiles are too small to look much like anything besides tile plus now I have to maintain grout. Or rip it up eventually to repla...
by auggiedoggies
Tue Feb 07, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 13586

Re: Hardwood floors vs Wood Look Tile?

Thanks for all the responses! As far as location and type of home, it's a home from the late 90's that we are in the process of updating. We are located in the great state of Minnesota in a suburban neighborhood. I have seen a few friends that have wood look tile, and it looks quite nice. Honestly, ...
by auggiedoggies
Tue Feb 07, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 13586

Hardwood floors vs Wood Look Tile?

Looking at replacing about 1500 sq ft of tile in our home. Currently in our kitchen, entryway, part of the family room, most of the living/dining room. We are debating between wood look tile and real hardwood floors. We do have a small child, and expect to have another in the next couple of years. S...
by auggiedoggies
Tue Feb 07, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 10185

Re: Best CC for Travel

So, I am liking the perks of CSR and we just got the cc. I was looking at the lounges and see she gets free access. If I am traveling with her, do I get in free also, or since I don't have a card, am I SOL!? I noticed its 75 more for me to be added to the card, and I can't find the info now of cour...
by auggiedoggies
Mon Jan 09, 2017 3:53 pm
Forum: Investing - Theory, News & General
Topic: How to know your risk tolerance, without ever living through a crash?
Replies: 29
Views: 3103

Re: How to know your risk tolerance, without ever living through a crash?

I honestly have no idea what my risk tolerance is, simply because I've never lived through a crash (I'm in my mid to late 20's). In lieu of experience, I try to supplement with knowledge. I have studied and read, and I believe that at my age, I need to be as aggressive as possible. Hence, between my...
by auggiedoggies
Mon Jan 09, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 5547

Re: Weight machine vs free weight

Free weights have their specific situations where they provide a great benefit...however, at your age, and with what I presume to be your goals (better overall health, not necessarily setting powerlifting records) a weight machine will absolutely suffice
by auggiedoggies
Thu Jan 05, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: spousal disagreement over how much house to buy
Replies: 99
Views: 7978

Re: spousal disagreement over how much house to buy

Off topic, but is 23% a crazy high number for gross pay? I just calculated ours, and our total house payment+utilities is ~28% of our gross. It doesn't feel like a lot...is it?
by auggiedoggies
Thu Jan 05, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 9699

Re: Are Younger people funding 529 Plans?

Wife and I are both 27. We live in a state that offers no tax deduction for opening a 529, but we went ahead and opened one anyways. Main reason is so that grandparents/great grandparents have a place to put gifts. We do 50% into savings, 50% into 529. We have put in relatively little ourselves. Why...
by auggiedoggies
Wed Dec 14, 2016 4:17 pm
Forum: Personal Consumer Issues
Topic: Bosch - Ascenta 24" Dishwasher experience
Replies: 11
Views: 1461

Re: Bosch - Ascenta 24" Dishwasher experience

My inlaws just bought this model actually, they love it. We needed something with a few more features, we went with the 500 series from Best Buy. Both models are awesome. Very quiet, excellent cleaning, and the nice thing with Bosch is that you can put plastics/tupperwares on the bottom rack because...
by auggiedoggies
Tue Dec 13, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 55371

Re: Flaunt Your High-Mileage Car

1999 Honda Accord, 239k miles on it, still fires up and runs like a champ! I've done basically zero maintenance besides breaks, oil, tires. Once it dies, it's dead.
by auggiedoggies
Thu Nov 03, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA vs Dependent Care Tax Credit?
Replies: 14
Views: 1903

Re: Dependent Care FSA vs Dependent Care Tax Credit?

Thank you everyone!! I totally misunderstood it. Time to max out the FSA!
by auggiedoggies
Thu Nov 03, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 3912

Re: Nanny Tax?

I'm in MN and used a local tax prep (bergstrom tax) firm in SW minneapolis to prepare our documents and tax forms. We paid her via bank transfer weekly and paid the taxes quarterly. I think the costs were $40 per quarter and they knew how to navigate the state agencies. Hope this helps. Thank you! ...
by auggiedoggies
Thu Nov 03, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA vs Dependent Care Tax Credit?
Replies: 14
Views: 1903

Dependent Care FSA vs Dependent Care Tax Credit?

Relevant stats: Married filing Jointly. Gross income of 130k. We live in MN. Our effective tax rate last year was ~25% We will have wages paid to our nanny of approximately 15k for the year for the care of 1 child. So, my question is, is it better to max out the Dependent Care FSA ($5000) or take th...
by auggiedoggies
Fri Oct 28, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 3912

Re: Nanny Tax?

Thankfully we do good record keeping of what we pay our nanny and exactly how many hours she works, so that makes things easier....looks like paying for some sort of service will be the next step. Thank you all!
by auggiedoggies
Thu Oct 27, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 3912

Re: Nanny Tax?

Aren't the taxes suppose to be withheld from each paycheck? Any recommendations for software that will automate this for you (including state taxes) and withhold the proper taxes? Honestly, I'm so confused by this whole thing. I consider myself financially literate, but taxes have always been the o...
by auggiedoggies
Thu Oct 27, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 3912

Nanny Tax?

Wife and I have an in home nanny that we have hired. We are in MN, and I have no idea how to pay taxes on her. Can anyone help? I've done some reading and research, and I'm still quite confused. As far as I know, I have to pay federal, state, and unemployment taxes? Does anyone know how much that is...
by auggiedoggies
Tue Aug 02, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 40
Views: 3449

Re: Hyatt 2 free nights credit card

The resort looks amazing, but how long does it take to get over there from the U.S? A loooong time. It's a haul, but it's so worth it. For us, our trip started in Chicago. We went: Chicago to Abu Dhabi (15 hours?). Stayed in Abu Dhabi for 4 days on Saadiyat Island, which was awesome. Then we went A...
by auggiedoggies
Tue Aug 02, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 40
Views: 3449

Re: Hyatt 2 free nights credit card

We used it at the Park Hyatt Hadahaa in the Maldives. Absolutely incredible! The resort looks amazing, but how long does it take to get over there from the U.S? A loooong time. It's a haul, but it's so worth it. For us, our trip started in Chicago. We went: Chicago to Abu Dhabi (15 hours?). Stayed ...
by auggiedoggies
Mon Aug 01, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 40
Views: 3449

Re: Hyatt 2 free nights credit card

We used it at the Park Hyatt Hadahaa in the Maldives. Absolutely incredible! The resort looks amazing, but how long does it take to get over there from the U.S? A loooong time. It's a haul, but it's so worth it. For us, our trip started in Chicago. We went: Chicago to Abu Dhabi (15 hours?). Stayed ...
by auggiedoggies
Thu Jul 21, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 40
Views: 3449

Re: Hyatt 2 free nights credit card

We used it at the Park Hyatt Hadahaa in the Maldives. Absolutely incredible!
by auggiedoggies
Thu Jun 16, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 69
Views: 22200

Re: Costco and AMEX

i got an offer in the mail yesterday from amex reminding me that their tie in with costco will expire next year and offering me $200 if i get a new card and spend 1,000 in the first 3 months. Received same and on 2 separate accounts. We accepted and purchased $500 Costco Cash Cards as required to m...
by auggiedoggies
Sun Jun 12, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 16211

Re: Leave garage door open?

... My garage door jerks really hard when it opens up, and makes a loud "bang" sound. Doesn't do it when closed. I've tried adjusting the opening and closing forces, although I really have no idea what those settings should be. ... Mismatched longitudinal springs. I had same problem, but it went aw...
by auggiedoggies
Mon Jun 06, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Question about credit cards/credit score. Looking for help.
Replies: 16
Views: 1719

Re: Question about credit cards/credit score. Looking for help.

Throughout this period I have realized that holding 6 credit cards is a bit ridiculous I am aware of autopay and have it set up as a failsafe but I don't trust it. There's nothing ridiculous about holding 6 credit cards. What's a bit ridiculous is not trusting autopay. Trust me, the CC companies wa...
by auggiedoggies
Mon Jun 06, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 16211

Re: Leave garage door open?

It seems like there's some incredibly knowledgeable folks in here, so I must ask the question: My garage door jerks really hard when it opens up, and makes a loud "bang" sound. Doesn't do it when closed. I've tried adjusting the opening and closing forces, although I really have no idea what those s...
by auggiedoggies
Wed May 25, 2016 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 540381

Re: What's Your Credit Card Rewards Strategy?

GOAL: Initially my goal was to build a large stash of points that could be used whenever we want for travel. Now that I have built up this sufficiently large stash, I plan on simplifying my strategy down to a couple of premium cards with valuable perks, and a few everyday spending cards. CARDS: I ha...
by auggiedoggies
Wed May 25, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my daughter
Replies: 39
Views: 2927

Re: Advice for my daughter

How did they acquire all those assets? Was a significant portion of it from a windfall or inheritance? If so, this could be clouding her thought process. It feels like "free" money, so why not risk it by purchasing real estate? Frankly, I think it's smart, and I see no reason not to, assuming they'...
by auggiedoggies
Wed May 25, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 72
Views: 7160

Re: Which HBO show to watch next?

Vinyl is great. Silicon Valley might be the best show on TV for my money. Absolutely hilarious. The current season has been outstanding.