Search found 58 matches

by ellsbebc
Sun Sep 01, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6016

Re: Did humanity ever make good Gas cans

Never spill again if you go with Surecan. https://www.amazon.com/SureCan-Fuel-Gas-Can-Gallons/dp/B00XMLLENQ/ref=asc_df_B00XMLLENQ/?tag=hyprod-20&linkCode=df0&hvadid=198076851563&hvpos=1o1&hvnetw=g&hvrand=14059224214400845287&hvpone=&hvptwo=&hvqmt=&hvdev=m&hvdvcmdl=&hvlocint=&hvlocphy=9010521&hvtargi...
by ellsbebc
Tue Aug 13, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Lawn mower
Replies: 25
Views: 2253

Re: Lawn mower

If looking for a quality machine that will mulch or bag, look no further than the Honda HRX217 or Toro Super Recycler. Will probably run you $500-600 unless you can find a used version.
by ellsbebc
Sat Aug 10, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 122
Views: 7963

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Graeter's, ,Cincinnati ice cream, is my go to treat. We are Bogleheads so we can enjoy the finer things not to prohibit them. +1 to the max! Just don’t look at the fat content. Don’t. Do. It. + UDF Homemade Brand Chocolate Chip for mass consumption. The Cincinnati BH’ers ar in full force! I am gene...
by ellsbebc
Sat Aug 10, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 122
Views: 7963

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Graeter's, ,Cincinnati ice cream, is my go to treat. We are Bogleheads so we can enjoy the finer things not to prohibit them. +1 to the max! Just don’t look at the fat content. Don’t. Do. It. + UDF Homemade Brand Chocolate Chip for mass consumption. The Cincinnati BH’ers ar in full force! I am gene...
by ellsbebc
Tue Mar 12, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 73
Views: 6730

Re: Lawn care schedule

Mowing height and frequency for each type of grass is #1 rule and will make the biggest change. Go to youtube the lawncare nut ---his early vids are in the north like you gci turf service-- pete is great, he likes northern grass in N Carolina lawn ginja-- Utah area but knows the grass problems Lawn...
by ellsbebc
Fri Feb 09, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3552

Re: Best BBQ in Austin

Youre not going to go wrong - you could go to Rudy's (our fast-ish foodish) and there are a million others that (assuming you're coming from somewhere without BBQ) will blow away options in your hometown. ...and here I thought BBQ was, by definition, pork :D Well, we've got that too 🤣 I'm in Memphi...
by ellsbebc
Sun Feb 04, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 23616

Re: For BHs who actually like cars - what is your daily driver?

16 VW Golf R - AWD with snow tires in the winter :happy Summer Tires rest of year and this car is a blast to drive. 4 door, easily fits 3 adults plus driver. Very stealth in Limestone Gray. There is a '17 Golf R, APR stage 2 tune listed for $31k in Chicago. It tempts me but the Boglehead in me says...
by ellsbebc
Fri Jan 26, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 6657

Re: Your favorite beach vacation destination?

+4 to Kiawah Island. Vacationed here for the past decade. My in-laws discovered this jewel back in the early 90's. It is no longer a hidden treasure so we usually go the week of Memorial or Labor Day to avoid the big crowds.
by ellsbebc
Mon Jan 15, 2018 10:59 pm
Forum: Personal Investments
Topic: 29 years old, newly married. Need help allocating ~$3300/month
Replies: 8
Views: 1685

Re: 29 years old, newly married. Need help allocating ~$3300/month

@lrt12 -- I commend your efforts in achieving such a strong financial position at your age. I would recommend you max your HSA so you fill all tax advantaged accounts. It then comes down to your level of debt aversion (payoff mortgage) and projections on future returns (will investments exceed 4.15%...
by ellsbebc
Wed Sep 06, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 14742

Re: Companies/Brands You Love?

Graeter's ice cream Marion's pizza WARPED Wing beer Mikesell potatoe chips Fox News Are any of these real? As a former 513 resident, I speculate @bengal22 is from Cincinnati. Several of the listed brands are local favorites. Graeter's is hands down the best ice cream I've ever eaten. More specifica...
by ellsbebc
Wed Sep 06, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Have rental application, which service to use to run background check
Replies: 16
Views: 1866

Re: Have rental application, which service to use to run background check

Three of the main applicant screening vendors in the apartment REIT industry are (1) TransUnion, (2) RealPage, and (3) RPS/CoreLogic. I cannot speak to the availability of their services for a single applicant screening, quality of services, comparing service provided vs larger institutions, or pric...
by ellsbebc
Sat May 06, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 4284

Re: How to get out of a apartment renter lease? They want $3,600

Many jurisdictions do not allow for a lease termination fee to include deposit forfeiture. From a legal standpoint, there is significant difference if the lease is written as 2x rent termination fee or 1x rent PLUS deposit. For sake of discussion, let's assume OP's lease does read as 2x rent. If the...
by ellsbebc
Sun Mar 26, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 30
Views: 6880

Re: Scary bed bug addendum on lease - should I walk away?

Many landlords use Blue Moon for their resident lease agreements. The link is below and you can preview the standard language for each respective addendum, bed bugs included. I work for an apartment REIT and if a prospect objected to lease language, we would not make an exception and would find anot...
by ellsbebc
Fri Mar 17, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 6111

Re: Collection Agency - Are you kidding?

Whenever you get a notice from a collection agency, you always respond in writing with: "I dispute the validity of this debt" Now the collection agency has to provide you (by law) with written proof that you owe the debt, within a certain time period Often you will hear nothing from them ever again...
by ellsbebc
Mon Jan 16, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 44
Views: 6198

Re: Landlord for first time - tips and things to know?

Haven't seen this item recommended yet. Each tenant should be required to have a minimum $100,000 coverage of liability insurance. Make sure your name and address is listed as an "Additional Interested Party". The latter feature obligates the insurance provider to contact you if there is a policy st...
by ellsbebc
Mon Dec 26, 2016 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: How do you plan for retirement?
Replies: 32
Views: 3691

Re: How do you plan for retirement?

We are in our late 20's and don't have a designated goal to aim for. There's no knowing the landscape in another four decades with SS, Healthcare, retirement accounts, etc. With time on our side, we max out 401k and Roth IRA contributions to save as much as we can, as early as we can, to take advant...
by ellsbebc
Sat Dec 10, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: I pay share of water bills but landlord always behind: ‘notice of property lien’
Replies: 19
Views: 2524

Re: I pay share of water bills but landlord always behind: ‘notice of property lien’

This does not directly apply to OP's situation but wanted to provide clarity on several people's responses. Ratio utility billing system (RUBS) is widely accepted and used in the apartment industry. If the community only has a main meter, a common area deduction is taken to account for the pools, ir...
by ellsbebc
Mon Dec 05, 2016 2:19 am
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 2805

Re: Merkur Safety Razor = money saved

My favorite cream is TOBS (Taylor of Old Bond Street) avocado. Nice smell. I'm currently rotating between Avocado and Rose. The former gets more use because I enjoy the smell and somehow seems to give me the smoothest shave. To those wanting to delve into double edge shaving, I highly suggest a qua...
by ellsbebc
Mon Dec 05, 2016 1:31 am
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 2805

Re: Merkur Safety Razor = money saved

No love for Edwin Jagger? Ive used the DE89bl for the past couple years but keep disposables available when I travel for work. My preference is also for shaving cream, not soap.

https://www.amazon.com/dp/B003LW4L2W/re ... UTF8&psc=1
by ellsbebc
Wed Nov 23, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 424
Views: 191623

Re: The Mega Backdoor Roth IRA

Contacted my HR Dept. yesterday and they confirmed our company's 401k plan does not allow after tax contributions. Are there specific requirements that qualify a plan to accept after tax contributions? Most of the articles I've read are "if your plan allows" and never touch on the requirements to be...
by ellsbebc
Thu Sep 01, 2016 12:01 am
Forum: Personal Consumer Issues
Topic: Door lock actuators: am I getting fleeced?
Replies: 31
Views: 11069

Re: Door lock actuators: am I getting fleeced?

DW has a 2013 RAV4 and the manufacturer warranty expired a few months ago. The actuator for the front driver's side door failed one month later. She was quoted $498 for the repair and in true Boglehead fashion, she has resorted to manual locks for the time being.
by ellsbebc
Sun Jul 24, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for mortgage, better to pay zero interest debt?
Replies: 6
Views: 810

Re: Applying for mortgage, better to pay zero interest debt?

As others already mentioned, the lack of loan history has an insignificant impact to your credit score. I'm 26 with an 800 credot score -- never had a loan (student loans, auto loan, or mortgage). Can you provide additional details on your gross income and desired mortgage amount? The 35% debt:incom...
by ellsbebc
Sun Jun 19, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 33059

Re: IWC Watch, any thoughts?

When you talk to the watch enthusiasts, they will criticize it for the lack of in-house movement. Some also prefer manual vs. automatic -- it's a morning ritual to wind my Omega speedy pro. A watch like this is certainly a luxury. If you can afford such, I say by all means. Watches seem to attract m...
by ellsbebc
Sun Jun 19, 2016 12:16 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 33059

Re: IWC Watch, any thoughts?

OP, I recommend you visit a popular forum for watch enthusiasts: watchuseek.com. Despite your best efforts, this will be hijacked into a discussion on is a luxury watch a smart purchase or other watches are more accurate for significantly less money. After all, this is Bogleheads, so it is to be exp...
by ellsbebc
Sun May 15, 2016 1:19 pm
Forum: Personal Consumer Issues
Topic: last minute stub hub for a big game
Replies: 3
Views: 448

Re: last minute stub hub for a big game

I can only speak from experience as a buyer of resale tickets from Seatgeek, Stubhub, Ticketmaster , etc. It appears some sites may use an algorithm to update ticket prices as availability fluctuates while others have the seller list a fixed price that they must manually update if they wish to incre...
by ellsbebc
Sun Apr 17, 2016 12:03 am
Forum: Personal Consumer Issues
Topic: Stub Hub High Fees - WOW
Replies: 29
Views: 16023

Re: Stub Hub High Fees - WOW

I use SeatGeek for this reason. +1. Always compare the "all-in" price across Seatgeek, Stubhub, and Ticketmaster. I'm partial to Seatgeek with their no hidden fees approach (i.e. Southwest Airlines). We have season tickets for an NBA team and have sold them on occasion through Stubhub. Their charge...
by ellsbebc
Wed Mar 30, 2016 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Advice for child: Computational Biology, Biomedical Engineering
Replies: 23
Views: 2429

Re: Advice for child: Computational Biology, Biomedical Engineering

Biomedical engineering is a broad field. Sounds like your son is on the programming/analysis side. My wife is a BME and works in regulatory affairs for a mega corp. As previously mentioned, the hot beds are Boston/Cambridge, Raleigh/Durham triad, and San Diego.
by ellsbebc
Mon Mar 21, 2016 10:26 pm
Forum: Personal Consumer Issues
Topic: Ethernet Wired Home - Advice
Replies: 24
Views: 2567

Re: Ethernet Wired Home - Advice

Thanks for responses! Home is brand new - It's at least Cat 5 - its 1000mb/s internet. Hopefully it's cat6, but cat5e is certainly adequate. I assume it is home run wiring and not daisy chained also. You have the ideal configuration to take advantage of any high speed internet, especially gigabit s...
by ellsbebc
Sat Mar 12, 2016 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: small car accident - when is it ok to not file a police report?
Replies: 27
Views: 3697

Re: small car accident - when is it ok to not file a police report?

I'm genuinely interested in opinions. Not even two hours ago, a gentlemen rear ended me. No one was injured and I could only notice a scratch on my bumper. It was torrential rain and dark so will investigate the damage again in the morning. We exchanged insurance information and told him I did not e...
by ellsbebc
Sat Mar 12, 2016 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord wont return deposit
Replies: 76
Views: 8450

Re: Landlord wont return deposit

I signed a lease on August 2015, which ends this year on March 31st. Since the Lease will be over this month I believed I could move out at the end of the month as long as told my landlord. I let her know on the first week of March that I would move out the second week of March even though I had al...
by ellsbebc
Sun Feb 28, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: Buying OKC Thunder tickets
Replies: 6
Views: 1199

Re: Buying OKC Thunder tickets

I frequently purchase aftermarket tickets for Memphis Grizzlies, all from online sites. - Seatgeek is my favorite. It compiles ticket offerings from a variety of other sites and provides an all-in cost upfront with no hidden fees. Also provides a picture of the estimated view from that seat section....
by ellsbebc
Sun Feb 14, 2016 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should my son stay on my benefit plan?
Replies: 40
Views: 3367

Re: Should my son stay on my benefit plan?

I'm only 25 and for the past two years, I've claimed my parent's family coverage while filing taxes as an independent. I have a younger brother so there was no increase in premiums for the family coverage and my parents were gracious enough to allow me to benefit.
by ellsbebc
Sun Jan 24, 2016 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Interest on student loan increased in 2015 compared to 2014?
Replies: 3
Views: 566

Re: Interest on student loan increased in 2015 compared to 2014?

I compared my student loan interest on a 10 year loan and I paid more interest in 2015 compared to what I paid in 2014 and this didn't make sense to me. Is it possible you made 13 payments in 2015? You may have shifted a payment from Dec '14 into Jan '15, or Jan '16 into Dec '15. Along the same the...
by ellsbebc
Sat Jan 02, 2016 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 14892

Re: Savings % Target 2016?

We focus on maximizing retirement accounts. To play along and reverse engineer the % savings exclusively for retirement, we are 35-40% of gross (401k's + Roth IRA's and excludes employer contribution).
by ellsbebc
Sat Jan 02, 2016 5:26 pm
Forum: Personal Consumer Issues
Topic: New or Lightly Used Honda CRV?
Replies: 16
Views: 4002

Re: New or Lightly Used Honda CRV?

We were looking at new or used CRV vs RAV4 two years ago. For both vehicles, there was a negligible difference ($1-2k) between 1-2 years used vs brand new. If the same is true today, I'd opt for new.
by ellsbebc
Tue Dec 01, 2015 2:44 pm
Forum: Personal Consumer Issues
Topic: the business of marketing watches ?
Replies: 11
Views: 1972

Re: the business of marketing watches ?

It comes down to marketing. People are willing to pay exorbitant premiums for brand names and fashion forward designs. You are correct in that these fashion watches use ordinary watch mechanics and plaster their name brand on the face. They are often inferior to true watch brands. I will take my $10...
by ellsbebc
Tue Dec 01, 2015 12:33 pm
Forum: Personal Consumer Issues
Topic: Water damage in apartment
Replies: 18
Views: 2709

Re: Water damage in apartment

As others have mentioned, the landlord/owner most likely is not responsible for any damages. If the tenant above you caused the flood, they hopefully had liability insurance to cover the damages to the unit(s). Your wife's damaged purse would only be covered if you have personal property insurance. ...
by ellsbebc
Sat Nov 28, 2015 1:56 am
Forum: Personal Finance (Not Investing)
Topic: Getting a bonus this year?
Replies: 75
Views: 10925

Re: Getting a bonus this year?

Work for at home office of a REIT. Almost all corporate employees are bonused, with max potential dependent on pay grade. At a director level, my max is 25% salary. Every benchmark is based on financials vs. budget. Last year was a struggle and I only managed 8-10% but this year looks to be 20-23% r...
by ellsbebc
Tue Nov 17, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Buying a wedding ring
Replies: 39
Views: 5226

Re: Buying a wedding ring

I second the comment on visiting pricescope.com. The diamond expertise equivalent of bogleheads. Look for "Tiffany settings". It is a common topic to like Tiffany settings but not want to pay the exorbitant premium. FWIW, I purchased DW's stone and setting, sight unseen, from Bright Gavin Diamonds. ...
by ellsbebc
Tue Nov 10, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help Selecting First Health Insurance Plan
Replies: 4
Views: 621

Re: Help Selecting First Health Insurance Plan

I think your analysis of the numbers looks pretty good, except for $7846, which really adds up to $7864, a type of error I'm particularly prone to and therefore particularly watchful against, but it's only off by $18 per year. Are either of you covered by an employer-provided plan, and if so, do sa...
by ellsbebc
Tue Nov 10, 2015 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Help Selecting First Health Insurance Plan
Replies: 4
Views: 621

Help Selecting First Health Insurance Plan

Wife and I both turn 26yo in 2016 so we need to select our own health insurance plans for the first time since we were covered by our families' plans. I know we could continue to do this until our 26th birthday and then enroll as a 'special event' but we would rather make a clean cutover with 2016 e...
by ellsbebc
Thu Nov 05, 2015 12:08 am
Forum: Personal Consumer Issues
Topic: Yogurt - Greek or "regular' - cost evaluation
Replies: 69
Views: 8105

Re: Yogurt - Greek or "regular' - cost evaluation

We are fans of the Kroger Carbmaster yogurts. You can purchase a 32oz container for $2.00 when on sale. Macro's are between that of regular yogurt and Greek yogurt it has a couple more grams of fat compared to Greek but has about 15g less sugar. Protein is around 12g vs. Greek's 20g.
by ellsbebc
Sun Oct 25, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Comcast vs AT&T for internet
Replies: 29
Views: 10397

Re: Comcast vs AT&T for internet

Gigabit speeds via fiber optic (cat5e) is quickly growing. Google Fiber is the key driver in this growth. They are currently focusing on Kansas City and Austin but one of their next major markets is Atlanta. They might not make it to ATL until 2017(?). Even if not gigabit speeds, other providers are...
by ellsbebc
Sat Oct 24, 2015 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 33577

Re: Age when you started to max out your retirement accounts?

Wife and I both started maxing 401k's ($18k each) and Roth IRA's ($5.5k each) at age 26. This was all possible because our income jumped to $135k gross and had no student loans.
by ellsbebc
Tue Oct 13, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: List 5 Things [Moving into a new apartment]
Replies: 13
Views: 2153

Re: List 5 Things [Moving into a new apartment]

1) get renters insurance liability coverage. Default is probably $100k and may even be required 2) inspect the unit and get photo documentation of anything/everything 3) while the apartment is still empty, clean the apartment to your satisfaction. It's easiest to clean when completely empty. 4) othe...
by ellsbebc
Thu Sep 10, 2015 10:25 pm
Forum: Personal Investments
Topic: Awesome 401k, should I skip ESPP
Replies: 31
Views: 4163

Re: Awesome 401k, should I skip ESPP

If you do not have funds for both and ignoring liquidity, I would max the 401k at the sake of skipping ESPP. You mention it is 25% vesting each year, with 100% once you enter the fifth year. If you only stay for one year, at the employer, you'd vest 25% of that 75% match, or 16.75%. This would be sl...
by ellsbebc
Sun Sep 06, 2015 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 71353

Re: Question for the Bogleheads Millionaires

Will speak from a different perspective since wife and I are both starting the journey (26 y/o). 1) Worked part time-time from age 16 until college graduation, racking up 30+ hours weekly in college. That plus scholarships allowed us to graduate without student loans. 2) Attended the local public un...
by ellsbebc
Sun Sep 06, 2015 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Post your current employer retirement plan! (if any)
Replies: 94
Views: 12199

Re: Post your current employer retirement plan! (if any)

I work for a mid-cap 400 with $1B in annual revenue. - 401k: company contributes .5% for each 1% employee contribution, up to a max of 3% employers contribution (i.e. 6% employee, 3% employer). We have access to Prinicipal funds. Vests 25% each year. - ESPP with 15% discount with max purchase of 5% ...
by ellsbebc
Thu Jun 11, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 15160

Re: Should I move out of my family's home?

Minus the cultural situation, I relate to the OP. My beloved wife, of 1 year, and I are both 25yo. We each lived at home until 18 months ago when we relocated for her career. Neither of us were ashamed to admit we still lived with our parents. Staying at home all those years definitely put us at an ...
by ellsbebc
Sun Jun 07, 2015 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal Millionaires Article...Sounds Like Bogleheads
Replies: 80
Views: 16409

Re: Frugal Millionaires Article...Sounds Like Bogleheads

gwrvmd wrote:Luck favors the prepared mind.......don't remember the author......Gordon
"Fortune favors the prepared mind." Dr. Louis Pasteur