Search found 1518 matches

by XtremeSki2001
Wed Nov 14, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 173
Views: 21801

Re: [Financial] Habits of the Rich

Someone said it earlier in this thread - "It's very simple, but hard." We're a fan of the Keep It Simple (KIS) principle. We save ~25-30% in Vanguard funds, donate ~5-10% to church/charity, and spend what's left. We believe in being frugal, but splurge on things we value .. family vacations to Disne...
by XtremeSki2001
Thu Oct 11, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3465

Re: Grind and Brew Coffee Makers - worth it?

When I retire (in 25 years) I hope to buy a roaster and roast my own beans. Why wait? It's fun (at least I think so), and you get a better (fresher) product for dramatically less money. I'm running $5-7/lb for as good or better quality coffee than I used to pay $18-22/lb for. My roaster more than p...
by XtremeSki2001
Thu Oct 11, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3465

Re: Grind and Brew Coffee Makers - worth it?

I finally gave up on waiting for the Spinn coffee maker, and bought a Delonghi Magnifica XS from Costco. It's a semi-automatic, with manual frothing if you want cappuccino. Very easy to use and clean. Only caveat is you can't use oily beans, as they'll stick in the shallow grinder feed, but Lavazza...
by XtremeSki2001
Thu Oct 11, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44862

Re: Lucrative careers?

huai wrote:
Thu Oct 11, 2018 11:06 am
Splunk is most certainly NOT a no-name company. They are one of the darlings of silicon valley - well past startup mode and are one of the hottest names in log monitoring.
Agreed, but the poster's assertion that Splunk is 'a company the average person has never heard of' is true.
by XtremeSki2001
Sat Oct 06, 2018 6:41 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155912

Re: Boglehead Beer

JDDS wrote:
Sat Oct 06, 2018 5:13 am
Cheers to the return of stout season!
Cheers to this! My stout inventory is high and ready for consumption.
by XtremeSki2001
Tue Sep 25, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1015317

Re: What Book Are You Currently Reading? Part VI

Based on Boglehead recommendations ...

A Short History of Nearly Everything by Bill Bryson
by XtremeSki2001
Wed Sep 05, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7163

Re: Daily Driver (Car) Over 100K Miles?

Since we're probably about 6 years out from buying another car (have 2, keep them about 12 years and stagger them), this works fine for us. This is key. When my now wife and I met .... we got married and both of us needed new cars. Bought them both at once - those monthly payments hurt! Just starte...
by XtremeSki2001
Wed Sep 05, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7163

Re: Daily Driver (Car) Over 100K Miles?

My daily has 264K. No plans to upgrade. I Fund $300/mo in car account and if something comes up we are covered. Just started to do the $300/mo in hopes of paying cash for a used car down the road. I thought it would be tight, but seeing everyone with 200k+ on their car I guess I've got time. My two...
by XtremeSki2001
Wed Sep 05, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: Types of seed for new lawn or sod?
Replies: 24
Views: 1597

Re: Types of seed for new lawn or sod?

Central Indiana here. I really like Black Beauty Ultra from Amazon. Comes in really dense (weed control) and has a really nice deep green color. In Michigan you might want to get any seed down asap. You'll see some quick germination with a mix but the really good bluegrasses take 3-4 weeks. An alte...
by XtremeSki2001
Wed Sep 05, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44862

Re: Lucrative careers?

That being said, the work experience did set me up for top MBA school acceptance and F500 strategy work, so it was good for me in the long run. But again, couldn’t pay me enough to go back to that [lack of] lifestyle. Agreed on this point. It's worth the sacrifice the first few years of one's caree...
by XtremeSki2001
Mon Sep 03, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3228

Re: How often do you change your HVAC filters?

We use a MERV 12 filter and replace it every 6 months (or when our thermostat says so).
by XtremeSki2001
Mon Sep 03, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3408
Views: 1015317

Re: What Book Are You Currently Reading? Part VI

I listen to books via Audible. Listening to The Power of Habit: Why We Do What We Do in Life and Business by Charles Duhigg during my morning runs. On my drive to/from work I’m listening to The Kazdin Method for Parenting the Defiant Child by Alan E. Kazdin.
by XtremeSki2001
Mon Sep 03, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155912

Re: Boglehead Beer

^^^ I've been disappointed in pumpkin beers and no longer seek them out. Have you had those beers before? What do you think of Neshaminy Creek, which is in the Philly area? I’m over Pumpkin beers, but these are the best ones I’ve ever had. I really like Neshaminy Creek (in Croydon/Bensalem area) ov...
by XtremeSki2001
Mon Sep 03, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155912

Re: Boglehead Beer

MJW wrote:
Mon Sep 03, 2018 10:58 am
With fall coming up are there any Octoberfest brews you guys like to buy around this time of year?
In the Philly area ... Weyerbacher - Imperial Pumpkin, Dogfish - Head Punkin, Neshaminy Creek - Punkless Dunkell.
by XtremeSki2001
Mon Sep 03, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Wiring the Home With Ethernet: What to Buy
Replies: 54
Views: 3405

Re: Do-It-Yourself Wiring the Home With Ethernet: What to Buy

Most have covered everything above. I’ve decided to hire someone to run the CAT as I’m having other work done at the same time. Here’s my planned topology. House is 2,600sqft.

Image
by XtremeSki2001
Mon Sep 03, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44862

Re: Lucrative careers?

Accounting. It can never hurt to learn the laungage of Business. Accounting, auditing, consulting ... working for a big4 will generally net someone $100k by year 5 or 6 (and often earlier). +1. Was just messaged on LinkedIn by a Big4 recruiter for a consulting role at $180k + 25% bonus. 10 years of...
by XtremeSki2001
Mon Sep 03, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155912

Re: Boglehead Beer

Since this thread has arisen from the dead, let me throw a question out there for the Philadelphia Bogleheads. DW and I have a visit to Philadelphia planned in the not distant future, and in scoping out some of the local joints we ran across something that caught our attention. Anybody ever been to...
by XtremeSki2001
Fri Aug 31, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 44862

Re: Lucrative careers?

Spedward wrote:
Fri May 11, 2018 11:43 pm
Accounting. It can never hurt to learn the laungage of Business.
Accounting, auditing, consulting ... working for a big4 will generally net someone $100k by year 5 or 6 (and often earlier).

Qualification - Worked at a big4 for too long.
by XtremeSki2001
Wed Aug 29, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155912

Re: Boglehead Beer

The way I look at it, if I'm not using my time to make money, then I should be doing stuff that I enjoy. And I love hanging out in my garage making beer. It makes for a nice saturday morning activity and my buddy comes over to 'help'. Can't wait to personally do this myself. Hoping to do eBIAB. Nee...
by XtremeSki2001
Tue Aug 28, 2018 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: FireCalc / Fidelity MyPlan Questions (Retirement Age)
Replies: 3
Views: 521

Re: FireCalc / Fidelity MyPlan Questions (Retirement Age)

i mean at 5% return, adding 37K/yr, youll hit 3.5MM in 30 years. will that support 100K in 30 years? dont know. Assuming 2% inflation over 30 years - today’s $100k is 2048’s $181k. Using a 4% draw rate, I’d have $140k. Relatively close. The key is this line in the results: The tested period is 30 y...
by XtremeSki2001
Tue Aug 28, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: FireCalc / Fidelity MyPlan Questions (Retirement Age)
Replies: 3
Views: 521

FireCalc / Fidelity MyPlan Questions (Retirement Age)

Greetings, Wife and I were discussing whether we we're saving 'too much' for retirement (never thought I'd say that). We're both 35 and wife is SAHM. We put our information into FireCalc as well as Fidelity MyPlan. Am I doing something wrong? Why does FireCalc say 0 years of retirement? Given how mu...
by XtremeSki2001
Tue Aug 07, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 39
Views: 3465

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: 7837

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: 1699

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: 12884

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: 94
Views: 14533

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: 274772

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: 25851

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: 274772

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: 5257

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: 5309

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: 2269

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: 806

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: 806

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: 806

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: 806

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: 5309

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: 4258

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: 12600

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: 6981

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: 1595

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: 9173

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: 19775

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: 19775

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: 8670

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: 997

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: 19775

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: 8670

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: 19775

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