Search found 396 matches

by Lindrobe
Thu Sep 28, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 16093

Re: The Rolex and The Boglehead

I have the one with the blue face, but without the beveling. I love it! The Datejust with the blue face is beautiful. I feel like the stainless steel really sets off the blue color and the watch wouldn't be the same with yellow gold. My husband usually wears the Datejust when he wears dress clothes...
by Lindrobe
Wed Sep 27, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 16093

Re: The Rolex and The Boglehead

ebrasmus21, I bought him the GMT as a gift for our 5th wedding anniversary and the Datejust as a gift on our 10th wedding anniversary. I hope he doesn't expect me to buy him one every five years though! :D Has a precedent been set??? I hope not. I don't have any plans to buy another one any time in...
by Lindrobe
Wed Sep 27, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 16093

Re: The Rolex and The Boglehead

ebrasmus21, I bought him the GMT as a gift for our 5th wedding anniversary and the Datejust as a gift on our 10th wedding anniversary. I hope he doesn't expect me to buy him one every five years though! :D
by Lindrobe
Wed Sep 27, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 16093

Re: The Rolex and The Boglehead

Ok, I will admit it....my husband and I have three between the two of us. I have a 35 mm Yachtmaster. My husband has a GMT and a Datejust 41. We are not fancy people, but we do appreciate nice watches. I have no regrets about the 3 that we have purchased. Which GMT does your husband have? He has th...
by Lindrobe
Wed Sep 27, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 16093

Re: The Rolex and The Boglehead

Ok, I will admit it....my husband and I have three between the two of us. I have a 35 mm Yachtmaster. My husband has a GMT and a Datejust 41. We are not fancy people, but we do appreciate nice watches. I have no regrets about the 3 that we have purchased.
by Lindrobe
Tue Sep 19, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Experience with Custom Home Builders
Replies: 12
Views: 1579

Re: Experience with Custom Home Builders

I would ask the first builder to redo the plans to get closer to what you asked for. It could be that he added the extra square footage and bonus room because he could do it for very little additional cost and they thought that you would want it. There are all sorts of things that come in standard ...
by Lindrobe
Tue Sep 19, 2017 5:12 am
Forum: Personal Consumer Issues
Topic: Experience with Custom Home Builders
Replies: 12
Views: 1579

Re: Experience with Custom Home Builders

I do have an itemized quote from the second builder and some details of the quote from the first builder. Both designs were without appliances, same brand and model of window, and similar quality HVAC system. I know exactly what I want as far as finishes. We have been in homes built by both builder ...
by Lindrobe
Mon Sep 18, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 23927

Re: Is it really Worth it to brown bag your lunch at work?

Wow, I can't believe how many responses this has received! I am a firm believer that you should splurge on things that you value and be frugal in all other areas. So, if you really value being able to eat out for lunch every day, then do it. I brown bag it every day. My lunch consists of plain yogur...
by Lindrobe
Mon Sep 18, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Experience with Custom Home Builders
Replies: 12
Views: 1579

Experience with Custom Home Builders

I am working on designing and building a custom lake home and have worked with two custom builders so far. I am looking for about 2,500 square feet with a 3 stall garage. In working with Builder #1, we gave the builder an online floor plan that we liked. It was 2,200 square feet. The builder put the...
by Lindrobe
Thu Sep 07, 2017 5:42 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 7213

Re: What is the main purpose of holding your current job?

Gosh, I am surprised and jealous of all of the 1.5s.

I am a CPA and would say a 3.5. I am 35 years old and have not found any job yet that I could tolerate for more than 5 years. I have been at current job 3 years but close to being a 4 on your scale, so interviewing for a new position.
by Lindrobe
Tue Aug 29, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 34671

Re: What to do when a parent's money runs out?

Not only your MIL, but lots of people approaching retirement are ignorant regarding their potential Social Security, Medicare, and Medicaid benefits. I am always amazed by that, because there is so much information easily available online. I am sure some people are simply burying their heads in the...
by Lindrobe
Tue Aug 29, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 34671

Re: What to do when a parent's money runs out?

I have put some thought into my similar situation. My mom is currently single and 57 years old. She thinks that she is going to retire when she is 59.5 and collect social security. She has no access to health care after she retires and before she is eligible for Medicare. She owes $160,000 on a mor...
by Lindrobe
Tue Aug 29, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 34671

Re: What to do when a parent's money runs out?

I have put some thought into my similar situation. My mom is currently single and 57 years old. She thinks that she is going to retire when she is 59.5 and collect social security. She has no access to health care after she retires and before she is eligible for Medicare. She owes $160,000 on a mort...
by Lindrobe
Mon Aug 21, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 21066

Re: How far would you travel to see The Eclipse?

runner3081 wrote:
Fri Aug 11, 2017 4:54 pm
Honestly, zero miles. Doesn't really interest me.
I am glad that I am not the only one :shock:
by Lindrobe
Thu Aug 17, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to compensate realtor if sold by owner?
Replies: 7
Views: 1547

Re: How to compensate realtor if sold by owner?

We had a realtor show us some properties and then ended up buying a lot FSBO to build on. We gave the realtor $1,000 cash to compensate him for his time.
by Lindrobe
Fri Aug 11, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Can a salaried employee be docked pay...
Replies: 33
Views: 4345

Re: Can a salaried employee be docked pay...

This is an interesting conversation. I have been wondering about something similar. I work in a very small (7 person) CPA firm. I know for a fact that my salaried coworker had 10 vacation days last year (first year he was elible for PTO) but used 15 days. This year, he is doing same thing. I am wond...
by Lindrobe
Fri Aug 11, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: First time home seller, advice on FSBO, MLS, etc?
Replies: 7
Views: 1086

Re: First time home seller, advice on FSBO, MLS, etc?

I have sold 2 homes by owner and 1 with a discount (3% to seller agent only) compay that basically just got house on mls. I have also purchased a lot by owner. In all of the fsbo's we negotiated sales price then paid $300 to $500 to have a contract wrote up. In both of the fsbo houses, a realtor wro...
by Lindrobe
Wed Aug 09, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: A fair price for accountant and a simplified tax return?
Replies: 7
Views: 1220

Re: A fair price for accountant and a simplified tax return?

I work at a small CPA firm in Indiana. We have a $500 minimum, but it is because we really do not seek out straggler 1040s. Most of the 1040s we do are for the business owners and we also do their financial statements and S Corp return.
by Lindrobe
Tue Jul 25, 2017 5:15 am
Forum: Personal Consumer Issues
Topic: Patio furniture
Replies: 11
Views: 1792

Re: Patio furniture

I LOVE my Polywood furniture. I have a patio set, but 2 Adirondack chairs, and a bench. All look as new as the day I got them. I have probably had them about 6-7 years. I live near the Polywood factory, so the brand is very popular in my area. I do cover them in the winters (lots of snow here), but ...
by Lindrobe
Mon Jul 24, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Company Vehicle - What would you do?
Replies: 23
Views: 1797

Re: Company Vehicle - What would you do?

My husband also has a company car that both of us can drive for personal use. We had two personal vehicles and went down to one. We found that it didn't make sense to continue paying for insurance, license plates, maintenance, etc. for both personal vehicles since we mostly drive the company vehicle...
by Lindrobe
Fri Jul 14, 2017 5:12 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 51
Views: 7643

Re: Cutting the Cord: Who's Best?

How do you cut the cord and get: 1. standard basic cable channels (cnbc, cnn, msnbc, etc.) 2. a choice of premium channels (HBO, etc.) 3. DVR service 4. multiroom access 5. your local channels ? You can get HBO and Showtime through DirecTV Now. I was an early subscriber, so I get HBO free for 1 yea...
by Lindrobe
Thu Jul 13, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 51
Views: 7643

Re: Cutting the Cord: Who's Best?

How do you cut the cord and get: 1. standard basic cable channels (cnbc, cnn, msnbc, etc.) 2. a choice of premium channels (HBO, etc.) 3. DVR service 4. multiroom access 5. your local channels ? You can get HBO and Showtime through DirecTV Now. I was an early subscriber, so I get HBO free for 1 year.
by Lindrobe
Thu Jul 13, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: can a city mandate garbage & recycling service? is that legal?
Replies: 36
Views: 3460

Re: can a city mandate garbage & recycling service? is that legal?

In the city I live in, garbage service and recycling service are included on my monthly utility bill. I am pretty sure that it is not optional, but I don't know for sure.
by Lindrobe
Tue Jul 11, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 42
Views: 8129

Re: Jewelry insurance. Is it ever worth it?

We have a seperate rider on our homeowner's insurance for 5 pieces of jewelery. We only insurance the pieces with a replacement value of $15,000 or more. We have several pieces worth less that are not insured.
by Lindrobe
Mon Jul 10, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - increase in compensation but also much longer commute
Replies: 25
Views: 2476

Re: Job opportunity - increase in compensation but also much longer commute

You say that you rent, so is it possible to move closer to the new position?
by Lindrobe
Fri Jul 07, 2017 5:18 am
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 15101

Re: What do you splurge on?

My splurges: 1. Rolex watches (have 3 between husband and myself) 2. Vacations. 1-2 decent vacations per year. Not sure if this counts since I use points to pay for hotel and airline tickets. 3. Lake front home. Just bought lot. In building process. I used to splurge on decent cars, but over the yea...
by Lindrobe
Thu Jun 29, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Lending people "things"
Replies: 28
Views: 2440

Re: Lending people "things"

bloom2708 wrote:If you only use it 20% of the time, sell the "thing". Both problems solved. (I know using the thing 20% of the time is not a listed problem). :wink:
OR maybe just tell him you sold it. :D
by Lindrobe
Tue Jun 27, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 21916

Re: Sam's Club vs. Costco

I think the reality is that people rarely actually shop around and crunch the numbers, and they really do enjoy the Costco experience (understandable, but I don't). I think that the above statement is spot on. However, I am the rare example of a number cruncher that actually shops around. I break e...
by Lindrobe
Sun Jun 25, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 21916

Re: Sam's Club vs. Costco

Wow, I can't believe the overwhelming preference for Costco so far. I favor Sam's Club myself. The Costco in my town has been open about one year, but the Sam's Club has been around much longer. You can barely find a parking space at the Costco though. I am not a shopper, stick to only the items on ...
by Lindrobe
Sat Jun 24, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Fed Raising Rates vs. Mortgage Rates
Replies: 6
Views: 1072

Re: Fed Raising Rates vs. Mortgage Rates

From what I understand, mortgage rates are a little more correlated to the 10 year treassury note and less so to the fed's short term rate. The 10 year note and mortgage rates increased fairly suddenly after the election as a result of speculations in political policies and economic stimulus, infras...
by Lindrobe
Tue Jun 20, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: is luxury car a smarter purchase?
Replies: 102
Views: 10922

Re: is luxury car a smarter purchase?

If you must buy a German car, buy a used one. I did the German car experiment and have learned my lesson. I have owned a German luxury car (Audi) and Japanese luxury car (Infiniti) and have never seen a car plummet in value like my Audi did. In 2004, I bought a brand new G35 coupe for around $35,000...
by Lindrobe
Mon Jun 19, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: For Sale By Owner HOUSE- Advice Please
Replies: 26
Views: 4748

Re: For Sale By Owner HOUSE- Advice Please

Just saw your last question...after you have a signed contract, take the contract to a local title company to process. They will do all the title work and closing for you.
by Lindrobe
Mon Jun 19, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: For Sale By Owner HOUSE- Advice Please
Replies: 26
Views: 4748

Re: For Sale By Owner HOUSE- Advice Please

Just hire a real estate attorney to write up a contract for you. I bought a piece of lakefront land by owner a few months ago and paid $300 to a real estate attorney to have the deal wrote up. Our realtor wanted 1% of the sales price to write up the offer, which would have been about $3,000. So, it ...
by Lindrobe
Mon Jun 19, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 37
Views: 18485

Re: Lg refrigerator vs Samsung refrigerator.

I spent $4,600 for an entire suite of LG appliances last summer. The dishwasher did not work out of the box. Didn't realize it didn't work till a week later when we went to run first load of dishes. Home Depot insisted that because we didn't report broken appliance within 48 hours, we had to wait fo...
by Lindrobe
Thu Jun 15, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: What growth rate for your projection calcs?
Replies: 31
Views: 4129

Re: What growth rate for your projection calcs?

I use 4% and it gives me more than enough to retire at 55 years old assuming husband and I continue maxing tax deferred space (both Roth and 401k). However, my spreadsheet does not take into account catch up contributions once we turn 50 or inflation adjustments to the amount of tax deferred contrib...
by Lindrobe
Thu Jun 15, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 6449

Re: Would you take a 25% pay cut for more professional satisfaction?

I am very curious as to what OP means by "more professional satisfaction." To me, I would consider a 25% pay cut for more flexibility, vacation time, extremely short commute, just to name a few. The job I have now has very few perks like the ones I just named, so I think it makes me realize how nice...
by Lindrobe
Mon Jun 12, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 9735

Re: Have you canceled cable?

Is there any potential problem in cutting home phone? Anyone have any problems with just having a cell for any reason? Never thought of it before and I'm wondering if I'm missing anything. Could there be any problems in an emergency? Are you happy with your decision to cut phone? Any issue ever com...
by Lindrobe
Mon Jun 12, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 4481

Re: Vue/Sling tv users--what do you miss?

The thing keeping me from switching is the ability to take/watch recorded shows outside your home. Like when out of town, on an airplane, etc. I can do that now with my current setup (Comcast + my own DVR) and I know you can take them with you with Xfinity. You can login to DirecTV Now from anywher...
by Lindrobe
Mon Jun 12, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 4481

Re: Vue/Sling tv users--what do you miss?

I cancelled Comcast cable in late December and signed up for DirecTV Now. There was some issues with DirecTV Now for the first couple months, but the problems are mostly worked out. I have cheap Mohu Leaf antennas on my TVs, but usually the only live local TV I watch is the news on the weekends. The...
by Lindrobe
Fri Jun 09, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 8427

Re: Used 2013 Audi A5 or New Honda Accord Sport

WhiteMaxima wrote:It is a very driveable small sedan.
An A5 is a coupe. :shock:
by Lindrobe
Fri Jun 09, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 3024

Re: New Construction Buying Advice

Do not assume that new construction means = no issues with home. I live in a subdivision cul-de-sac and there was previously an empty field in the middle of my subdivision. The field has been bought and a new development is going in. While out on my run one day this spring, I looked in the windows o...
by Lindrobe
Mon Jun 05, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 13117

Re: Worth it to buy expensive clothes?

I really feel bad for women, their clothing is generally made cheap, are expensive and the style changes a lot more frequently then men. I am wearing the same ties as 10 years ago, my wife could never pull this off. In fact now that NY and company and The Limited closed, she has no idea where to ge...
by Lindrobe
Mon Jun 05, 2017 5:21 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 13117

Re: Worth it to buy expensive clothes?

I do think that the expensive clothes last longer. I buy clothes from Banana Republic and Loft for work (I am a CPA), but on the weekends I wear cheap t-shirts from Target. The cheap t-shirts don't last very long. When I do shop for work clothes, I only buy when there is a sale.
by Lindrobe
Thu Jun 01, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a bucket to pay your mortgage or pay from core?
Replies: 36
Views: 3595

Re: Do you have a bucket to pay your mortgage or pay from core?

If by buckets, you mean sub-accounts at your bank, I have many, but not one for my mortgage payment. I have buckets for annual Roth contributions ( I set aside x per paycheck so that I can max out Roths for husband and myself at end of year), Christmas account (I set aside $100/paycheck for Christma...
by Lindrobe
Thu Jun 01, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 8427

Re: Use 2013 Audi A5 or New Honda Accord Sport

I had an Audi A5 that I ordered new in 2013. I got rid of it last November. It was a very nice car--handled great, beautiful interior, great gas mileage. I had zero problems with the car in the 3.5 years that I had it. From what I have heard, I don't think I would want to own a high mileage Audi, bu...
by Lindrobe
Wed May 24, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 7647

Re: anyone ever live/living on a boat?

I visited Costa Rica last year and dined at a small dive bar that was located in a marina. We chatted with an older retired couple who lived on their sailboat in the marina. They were originally from the US and their venture started in California. They mentioned that they have had their sailboat doc...
by Lindrobe
Tue May 23, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Well-made quality handbags
Replies: 32
Views: 4636

Re: Well-made quality handbags

I have 2 Louis Vuitton purses that my husband bought me as gifts. I must admit that although I would never splurge on them for myself, I do love them and they are really good quality bags. One of them is a large bag and I use it as a purse, laptop bag, carry-on bag, or beach bag depending on the sit...
by Lindrobe
Fri May 19, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 6041

Re: Refinishing roughed in stairs - removing carpet

BW1985 wrote:How did you find your carpenter?
We had the carpenter do work for us before, including installing hardwood floors throughout most of our house. Here is a picture of one of the staircases:

Image
by Lindrobe
Thu May 18, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 5220

Re: Rice Cooker

I got one for Christmas and have used it to make steel cut oats 5 days per week ever since. I read about the rice cookers from someone on this forum too and it has been life changing for me :happy
by Lindrobe
Thu May 18, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 6041

Re: Refinishing roughed in stairs - removing carpet

Very nice. How did your existing treads look though, was the tread flush with the riser? My tread sticks out so if I put those oak treads on top then the bullnose would stick out even further and depending on that front thickness there could be a gap underneath. Hope that makes sense. My treads had...