Search found 1497 matches

by XtremeSki2001
Tue Aug 07, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2224

Re: Grind and Brew Coffee Makers - worth it?

OP, admitted coffee snob. I use a Breville Smart Grinder. I make coffee via a manual method with a "Clever". A Clever essentially makes a filtered french press. I get beans from a few roasters, but my favorite is in Montana called "Red Bird". I order roasted beans in 5lb bags. When I retire (in 25 y...
by XtremeSki2001
Sun Jul 01, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 64
Views: 7382

Re: Building a Pool

Smurf wrote:
Mon Aug 15, 2016 6:18 am
I'm going to do something expensive for our family this year that will pay enjoyment dividends for years. I don't believe modern pools are the headache people believe. We are going to go for it!
You should provide us with an update!
by XtremeSki2001
Wed Jun 27, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1615

Re: Planning for children

So it seems as though the near consensus is to get LTD insurance for myself and my wife and then look at a will and trust? Is a lawyer the route to go? Or have any of you done this on your own using one of the legal websites? Agree with other posters. I have a LTD through my employer so check that ...
by XtremeSki2001
Sat Jun 23, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12112

Re: When did you start flying business class?

For work, I’ve flown business several times. For pleasure, I’ve flown coach from JFK to HKG (16 hours). Decided on coach because the business class ticket for the same flight was 3x as much. I love business class, but I don’t think it’s 3x as nice as coach. I agree with the previous poster with gett...
by XtremeSki2001
Sat Jun 23, 2018 6:08 pm
Forum: Investing - Theory, News & General
Topic: What’s the magic savings rate???
Replies: 61
Views: 10120

Re: What’s the magic savings rate???

This is a nice calculator to look at your situation: http://networthify.com/calculator/earlyretirement?income=0&initialBalance=0&expenses=0&annualPct=7&withdrawalRate=4 I liked this - love the simplicity. However, it assumed my expenses were everything I’m not saving. I save @ 22% of gross, but a l...
by XtremeSki2001
Mon Jun 18, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 271923

Re: Best watch for around $5,000?

For my 50th, I wanted a $5,000 Rolex, but instead I bought a $35 a Timex Easy Reader Day Date, with the remaining $4,965 invested. :beer You beat me to this response. But oldzey paid up for a "premium" Timex. I got mine for $30, leaving $4,970 invested. Timex keeps perfect time - and if I lose it a...
by XtremeSki2001
Mon Jun 18, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 25254

Re: Documentaries to recommend?

scooterdog wrote:
Sat Nov 29, 2014 6:32 am
dbh25 wrote:Jiro Dreams of Sushi
I came here to recommend this.

As fans of food in general, it was unexpectedly about more than that.
I didn't know this was a thing - def added to my watch list
by XtremeSki2001
Mon Jun 18, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 271923

Re: Best watch for around $5,000?

For my 50th, I wanted a $5,000 Rolex, but instead I bought a $35 a Timex Easy Reader Day Date, with the remaining $4,965 invested. :beer You beat me to this response. But oldzey paid up for a "premium" Timex. I got mine for $30, leaving $4,970 invested. Timex keeps perfect time - and if I lose it a...
by XtremeSki2001
Mon Jun 04, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Recommended Parenting Books
Replies: 44
Views: 5032

Re: Recommended Parenting Books

Thanks all for bumping this older thread from 2014. We have a one year old and another on the way and found these books helpful to date: Marc Weissbluth M.D - Healthy Sleep Habits, Happy Child‎ We have three children now, expecting our 4th in just weeks. We've implemented the guidance in Weissbluth'...
by XtremeSki2001
Mon May 14, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 5092

Re: Hawaii vacation suggestions

If you're seeking hiking, while on Maui, wife and I hiked the following: Waihee Ridge Trail - https://www.alltrails.com/trail/us/hawaii/waihee-ridge-trail Pipiwai Trail (Waimoku Falls) - http://www.unrealhawaii.com/2013/04/pipiwai-trail-to-waimoku-falls/ Haleakalā Sliding Sands - https://www.hawaii-...
by XtremeSki2001
Thu May 10, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 2097

Re: Reccommended Minivans

tech_arch wrote:
Thu May 10, 2018 2:00 pm
Love my 2016 Odyssey, but it was just a shade over $30k. We actually liked the new Pacifica better, but were worried about Chrysler's reliability so went with Honda.
+1

Have a 2012 Odyssey - it's been great and we hope to have it at least 5 more years.
by XtremeSki2001
Thu May 10, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Maxed 401k/ROTH - Now What?
Replies: 9
Views: 744

Re: Portfolio Question - Maxed 401k/ROTH - Now What?

Understood the rollover won't cause tax implications. I did some more reading and I think I've misunderstood the spousal IRA guidance. It seems, whether I rollover her 403b to an IRA or not (doesn't matter since she can't add to it and she has lots of options), I can open a spousal Roth IRA, which ...
by XtremeSki2001
Thu May 10, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Maxed 401k/ROTH - Now What?
Replies: 9
Views: 744

Re: Portfolio Question - Maxed 401k/ROTH - Now What?

One other question, unrelated to the above. Say I convert my wife's 403b to an IRA ... she has no earned income so any contributions we make will have already been taxed. How do we avoid being taxed twice? You can *rollover* her 403b to an IRA. A rollover is not a taxable event. The question is, wh...
by XtremeSki2001
Thu May 10, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Maxed 401k/ROTH - Now What?
Replies: 9
Views: 744

Re: Portfolio Question - Maxed 401k/ROTH - Now What?

Don't need star fund. You can open a rIRA for your wife as your income is her income. Otherwise taxable, save for car/vacation, spend some. Would you propose replacing the STAR fund with a Target 2055 like I have with my other investments? Right now we spend $21k a year on vacations and other 'want...
by XtremeSki2001
Wed May 09, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Maxed 401k/ROTH - Now What?
Replies: 9
Views: 744

Portfolio Question - Maxed 401k/ROTH - Now What?

Questions (refer to completed portfolio template below) 1.  Our 401k/403b/Roth are in Vanguard Target 2055 (90% stock / 10% bonds) and Star Fund (65% stocks / 25% bonds / 12% reserves). Should we allocate things differently? They're aligned with our risk appetite and we generally try not to be too ...
by XtremeSki2001
Tue May 08, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 5092

Re: Hawaii vacation suggestions

Went to Maui 3 years in a row before having children. We stayed in Kihei each time at the Hale Pau Hana ... we love it there. We rented a car, bought groceries, BBQ on the beach, etc.
by XtremeSki2001
Tue May 08, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 3848

Re: Which heart rate monitor is the most accurate?

I use the Polar H7 heat rate monitor, but have also heard the Garmin monitors are very accurate. All are chest straps.
by XtremeSki2001
Tue May 08, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 151
Views: 11867

Re: What non fiction book will you be reading in 2018?

So far in 2018 I've read:

Extreme Ownership - Jocko Willink
Influence - Robert Cialdini
Mere Christianity - CS Lewis
Devil in the White City - Erik Larson

Next up:

A Walk in the Woods - Bill Bryson
by XtremeSki2001
Tue May 08, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 6616

Re: How much car to buy on $250K income, $200K NW, newborn on the way

10% of your gross annual income on the car. So based on your income you should try to keep it around $25k. Just my $.02
by XtremeSki2001
Tue Jun 13, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Looking To Upgrade My Coffee Roaster
Replies: 7
Views: 1504

Re: Looking To Upgrade My Coffee Roaster

Thanks Nicolas and David for the info. David, I was happy to see your comment "... results are very consistent within a particular bean". That's one issue I'm struggling with right now. I roast a batch of beans and one pot of coffee tastes great while the next one seems to have bitter notes. Was cu...
by XtremeSki2001
Mon Apr 17, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 9026

Re: leaving early from work

Both of us work and we have kids(less than 3 yrs old). We need to drop off and pick up kids at day care. Both of us work in the financial space. How accommodating are bosses to this situation? Have there actually been instances where Bosses say "No...". I know we live in an "employment at will". Is...
by XtremeSki2001
Wed Apr 05, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19073

Re: Virtual Private Networks (VPNs)

If you really feel the need to VPN all traffic, I'd favor a DIY OpenVPN gateway setup on a free tier of AWS ec2 that you are the, and the only, admin of. Even then, there's nothing stopping Amazon from capturing your traffic and providing it to the NSA/FBI/CIA/Google Ads. Thanks for adding this DIY...
by XtremeSki2001
Fri Mar 31, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19073

Re: Virtual Private Networks (VPNs)

Also, there has been no independent authority which has opined on PIA's assertions that they don't log IP session information. Would the FBI count as in independent authority? https://torrentfreak.com/vpn-providers-no-logging-claims-tested-in-fbi-case-160312/ Touche - good find and thank you for sh...
by XtremeSki2001
Fri Mar 31, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 8463

Re: How did graduating out of daycare impact your finances?

We have 3 now. Will probably have 4 someday. Always had plans to have both my wife and I working. After considering costs of daycare we opted for my wife to be a SAHM. Haven't looked back. Not to question your decision for your wife to be SAHM (which I'm sure is not just financial), but with 3-4 ki...
by XtremeSki2001
Sun Mar 26, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: 10 days in Berlin and Krakow
Replies: 9
Views: 927

Re: 10 days in Berlin and Krakow

Really enjoyed Berlin.

- The Wall
- Pergamon Museum
- Topography of Terror
- Explore all the German beers
- Eat a Döner Kebab
by XtremeSki2001
Sun Mar 26, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19073

Re: Virtual Private Networks (VPNs)

It's clever that PIA lets you pay with gift cards so you can use it anonymously. Guys, I'm not trying to be Debbie Downer here - just keeping it real. Just because you can pay with Bitcoin or a visa gift card doesn't mean that PIA doesn't have the means to figure out who you are, fairly trivially, ...
by XtremeSki2001
Sat Mar 25, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 8463

Re: How did graduating out of daycare impact your finances?

We have 3 now. Will probably have 4 someday. Always had plans to have both my wife and I working. After considering costs of daycare we opted for my wife to be a SAHM. Haven't looked back.
by XtremeSki2001
Sat Mar 25, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19073

Re: Virtual Private Networks (VPNs)

pondering wrote:Is there anyone here who thinks the 3 letter agencies can't monitor your traffic?
Of course they can monitor your traffic. Burglars can get into my home even though I lock the doors, doesn't mean I should keep them unlocked :D
by XtremeSki2001
Sat Mar 25, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19073

Re: Virtual Private Networks (VPNs)

If you really feel the need to VPN all traffic, I'd favor a DIY OpenVPN gateway setup on a free tier of AWS ec2 that you are the, and the only, admin of. Even then, there's nothing stopping Amazon from capturing your traffic and providing it to the NSA/FBI/CIA/Google Ads. Thanks for adding this DIY...
by XtremeSki2001
Fri Mar 24, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19073

Re: Virtual Private Networks (VPNs)

Conch55 wrote:Are those using PIA doing so for their entire home network by modifying their router or using the application on specific devices?
That's what I'm thinking. Would be easier for the family to just put it on the router via DD WRT.
by XtremeSki2001
Fri Mar 24, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 19073

Re: Virtual Private Networks (VPNs)

Curious if anyone uses a VPN to to tunnel their back-ups to say Carbonite? Anyone use VPN for their SMART TV internet connection?
by XtremeSki2001
Sat Mar 11, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Pennsylvania - Got a will. Now what?
Replies: 4
Views: 646

Pennsylvania - Got a will. Now what?

Morning All, My DW and I got a will as well as an advance directive. We've been struggling where to store the official copies. We'd also like somewhere safe to put our 'death book'. The beneficiaries of our estate are our children which are all under 4. - We don't have a safe and fire proof safe tha...
by XtremeSki2001
Sat Dec 31, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 52
Views: 79523

Re: Marvin vs. Andersen Windows: The Eternal Struggle

Glad to see my old thread is still kicking and people are getting some use out of it. To the guy in March asking about a $2800 window, absent extraordinary circumstances, that's crazy expensive. We paid about a $1000 per window as I recall. Renewal By Andersen is outrageously expensive in my experi...
by XtremeSki2001
Thu Dec 15, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 148350

Re: Boglehead Beer

Finally, FINALLY managed to get my hands on a 4-pack of Heady Topper today. A colleague of mine, coming back from Vermont, was nice enough to grab me some. Really looking forward to trying it ... Had a Bruery Tart of Darkness and Founders Backwoods Bastard last night. Both A+ Backwoods Bastard was a...
by XtremeSki2001
Sat Nov 12, 2016 8:19 am
Forum: Personal Consumer Issues
Topic: Managing Thanksgiving Expectations (Grandparents)
Replies: 14
Views: 1729

Managing Thanksgiving Expectations (Grandparents)

All, Deep breath ... Coming here for input and advice as I respect the opinion of our members and many of you are also Grandparents so you may have a different perspective than I. Long story short. My wife and I are in are mid 30's with a 3 year old, 2 year old, and 3 week old. My extended family is...
by XtremeSki2001
Tue Nov 08, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 148350

Re: Boglehead Beer

Finally got into my stash to celebrate the birth of my daughter ... and did it the right way. Enjoyed a Dogfish Head 120 Minute (Double IPA) bottled on July 22, 2015, just like I have with my two boys. Also enjoyed a 2015 Trappist Westvleteren 12 (XII) (Belgian Quad). Each were delicious. Would love...
by XtremeSki2001
Wed Jul 27, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 148350

Re: Boglehead Beer

I tapped a sixtel of Great Lakes Brewing Company "Lake Erie Monster" last week. It's an imperial IPA and at 9.1% it packs a heavy punch. I drank 3 pints one night and decided the next day all future LEM's would be enjoyed in a 12 oz glass. It's good though. A little heavy in the mouth and doesn't c...
by XtremeSki2001
Sun May 15, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 148350

Re: Boglehead Beer

packet wrote: It's perhaps the furthest from a Boglehead beer at $44 a four pack.
... and worth every penny.
by XtremeSki2001
Sat May 14, 2016 7:08 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 100472

Re: High Earners - What's Your Profession?

Thanks SQRT. Your advice is definitely against what most people tell me in this profession Really? What are they telling you? Maybe the typical advice is to put in the time and make partner. However if you want to make the huge money then you have to develop the right skills/leadership and find the...
by XtremeSki2001
Sat May 14, 2016 6:49 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 148350

Re: Boglehead Beer

Dogfish Head 120 Minute IPA has a reputation for sitting on the shelves too long--to the point where I've been in a craft beer bar and heard industry people discussing a different beer that was 'priced to sit' and called it the "120 minutes problem". I knew exactly what they meant. Your bottle shop...
by XtremeSki2001
Mon Apr 25, 2016 2:35 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 148350

Re: Boglehead Beer

...I have a six of their "Brown Shugga" for football tomorrow. It sounds like something I wouldn't like but it is great. I've been buying it since before Christmas. Getting hard to find. I usually like hoppy beers but this stuff is good and powerful! -9.8% alc. I'm making ribs to accompany the beer...
by XtremeSki2001
Wed Apr 06, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best Philadelphia Suburb to Live?
Replies: 62
Views: 11928

Re: Best Philadelphia Suburb to Live?

Fieldsy1024 wrote:Right now I am 8-10 min away lol. Yes, I'd take 95/Blue Route. I think we can save more with a house in Montgomery County or Chester Counter.
I live in (and love) Bucks County, but you won't get more house up here :beer
by XtremeSki2001
Wed Apr 06, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Best Philadelphia Suburb to Live?
Replies: 62
Views: 11928

Re: Best Philadelphia Suburb to Live?

Bumping this.... My wife and I bought a single ranch in Folsom (Ridley Township, Delaware County) I am seeking input of areas with more land (at least .35 acres, max 1 1.5), under 400k, a half hour or so to Philabundance (where she works, I work at Boeing, Philabundance is basically 2 blocks past C...
by XtremeSki2001
Fri Mar 25, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5318

Re: How to get rid of poison ivy

Here is info about it being a likely carcinogen by WHO http://www.scientificamerican.com/article/widely-used-herbicide-linked-to-cancer/ Interesting article. The word "probable" is used pretty pervasively and this quote was telling "The IARC review notes that there is limited evidence for a link to...
by XtremeSki2001
Thu Mar 24, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5318

Re: How to get rid of poison ivy

If you don't think spraying poisons around your yard is going to increase your chances of ending up with cancer, go to it. But you might be careful about quoting Monsanto-subsidized research to justify it. If you wouldn't mind sharing, I'd be interested in reading an independent study asserting rou...
by XtremeSki2001
Thu Mar 24, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: How to get rid of poison ivy
Replies: 58
Views: 5318

Re: How to get rid of poison ivy

Round Up. Roundup will kill the poison ivy - and more importantly, the roots. Wait until it completely dies, and then carefully pull up what remains. Where protective clothing - buy a disposable Tyvek suit. +1 I never had a reaction until last year and then I had a terrible reaction. Awful. Anyway,...
by XtremeSki2001
Fri Mar 11, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5847

Re: Finally - Maxed 401k - Now What

All, Thanks again for all the input. Wanted to recap to confirm my understanding given I am in the 25% tax bracket. My plan is to: 1) Max 401k contribution ($18k) 2) Max Roth IRA for me and wife ($11k) 3) taxable Note: We've evaluated HSAs and they are not a good fit for us at this time. We plan to ...
by XtremeSki2001
Sat Feb 27, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5847

Re: Finally - Maxed 401k - Now What

Thanks all for the input - I'll have to play with taxcaster. We live a pretty modest lifestyle. We purchased a home and two cars with a plan my wife returns to work, but due to various reasons, she did not. So we're in a bit in more than we planned, but still feel we're doing reasonably well. I also...
by XtremeSki2001
Fri Feb 26, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Finally - Maxed 401k - Now What
Replies: 40
Views: 5847

Re: Finally - Maxed 401k - Now What

At 25% Marginal tax rate, you should max up the trad. 401K and put the tax savings into Roth IRAs. Thanks! 2) Is your house paid off? No. Purchased it 3 years ago and have a 30-yr mortgage. We did put down 20%. 3) We do not care about effective tax rate for this kind of calculation. We are looking ...