Search found 122 matches

by joeblow
Fri Jan 19, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: Anyone have a whole house water filter?
Replies: 13
Views: 1589

Re: Anyone have a whole house water filter?

Try removing/cleaning the aerator in the faucet first and confirm that is not the issue.
by joeblow
Mon Jan 15, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Longer Work Hours: Tips for adjusting?
Replies: 10
Views: 1605

Re: Longer Work Hours: Tips for adjusting?

As the meme goes...40 hours a week? I remember my first part-time job. I do not know anyone who makes good money that doesn't work 50-60+ hours a week (que posts to prove that wrong). One weekend day a month would sound great to those that work both days, every weekend. Go in and put your head down,...
by joeblow
Sun Dec 31, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1602
Views: 406831

Re: Share your net worth progression

These are just retirement accounts since we don't track everything in one place. Rough numbers... $50K 12/31/05 $80K 12/31/06 $107K 12/31/07 $104K 12/31/08 $162K 12/31/09 $219K 12/31/10 $250K 12/31/11 $320K 12/31/12 $435K 12/31/13 $520K 12/31/14 $595K 12/31/15 $750K 12/31/16 $980K 12/31/17 Updated ...
by joeblow
Sat Dec 30, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 3228

Re: Checked bag to HI, worth cost and trouble?

We go every year and find it easier to just buy what we need when we get there. It is more expensive, but not as bad as it used to be. Unless you have some special dietary needs that you might not be able to get there (unlikely), I'd only take on the plane what you need for travel. Please buy reef s...
by joeblow
Mon Dec 25, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: How to use up my FSA account?
Replies: 13
Views: 1642

Re: How to use up my FSA account?

TierArtz wrote:
Mon Dec 25, 2017 3:49 pm
Prescription sunglasses such as Ray-Ban or Maui Jim.
This! Prescription Maui Jim sunglasses are awesome.
by joeblow
Mon Dec 25, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: car thread- too much money?
Replies: 85
Views: 8357

Re: car thread- too much money?

Inccome is stable How to make sure used choice wont fall apart in the middle of the road? How do you make sure your new car is not a lemon and will not fall apart in the middle of the road? Do some diligence, I think both scenarios are rare. Worrying about a used car "falling apart in the middle of...
by joeblow
Sat Dec 23, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 27377

Re: Do you see a meaningful change in your income with new Tax Bill?

Bacchus01 wrote:
Fri Dec 22, 2017 11:19 pm
Why do you have to wait until 2019?
I just meant I wish we could apply the changes to the 2017 tax return we'll file in 2018.
by joeblow
Fri Dec 22, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 27377

Re: Do you see a meaningful change in your income with new Tax Bill?

According to the calculator, we'd save $9,500 to $13,000. Too bad we have to wait until 2019.
by joeblow
Wed Dec 20, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 14727

Re: How much did you contribute to your 401k in 2017?

$18K pre-tax
$23.6 post-tax (mega back door roth)
$12.9 match

>$54K with one paycheck left. Yep, going to have to fix that. :(

Age 43.
by joeblow
Sat Dec 16, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 190
Views: 16875

Re: How much do you spend on food per month, per person?

We spend around $300-$500 per week for 4 people (2 adults, 2 kids). Includes alcohol and some household goods. Excludes eating out which is under $500 per month.

I plan on ~$2000 a month for the four of us.
by joeblow
Mon Dec 04, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage is About To Be Paid - I'm Scared!
Replies: 43
Views: 6615

Re: Mortgage is About To Be Paid - I'm Scared!

Send your kids to private college and pay for it. That's what I do. It allows me to say to people who complain about kid's day care....."mouse nuts". It allows me to say to most people with mortgages...."mouse nuts". I'm totally stealing "mouse nuts." OP as others have said, now you have to save. M...
by joeblow
Sun Nov 26, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 11382

Re: Etiquette question: Paying for meals out & out of town guests

I just plan for and expect to pay and am pleasantly surprised when I do not have to pay for all or a part of the meal...splitting 50/50 is pretty common. If your budget is that tight and someone suggests going out to eat, either make it clear your expectations or convince them to stay in. Life is to...
by joeblow
Sun Nov 19, 2017 1:11 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 76
Views: 9188

Re: My dad's army jacket

Seriously? If you want to wear the coat wear the coat, if not don't wear it. Way too much thought being put into it.

Some people get offended at the slightest thing, most will not give it a second thought.
by joeblow
Sat Nov 18, 2017 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 59874

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

Never had an issue with Costco optical, but Costco has typically gone out of the way to accommodate any "complaint" we've had. We spend a lot of money there and have returned things years after purchase at their own suggestion (e.g. I simply wanted proof of purchase to deal directly with the manufac...
by joeblow
Tue Nov 14, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 12723

Re: Michelin or Bridgestone?

I've had Michelins before and while they were a good performing tire, they didn't last long. As for where to buy, try Discount Tire (some places it is called America's Tire). Hands down best service and excellent prices. Tire Rack might be cheaper to buy, but then you have to pay to have them instal...
by joeblow
Tue Nov 14, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 7438

Re: College student... Financial mess... Need advice...

Both signed the lease, therefore both on the hook. There a lots of options, try these on for size... 1) pay the $9800 and walk away. Meh... 2) move back in and tell the ex she can stay as long as she pays her half per the lease. 3) move back in, with obnoxious roommate, and tell the ex she can stay ...
by joeblow
Tue Oct 24, 2017 1:00 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 12078

Re: Building very high net worth

Honestly, if you are talking about high net worth, $12 million no longer qualifies because there are now over 2,000 billionaires. I would think it would take at least $100 million to be considered "quite wealthy" these days. $12 million is just comfortable when a new studio apartment can easily cos...
by joeblow
Tue Oct 24, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.
Replies: 72
Views: 7014

Re: Car Enthusiasts Unite! - Porsche, Benz, Ferrari, Lambo, etc.

People buying cars and not driving them how they are intended to be driven out of concern of cost or the impact to resale value always struck me as odd. How does the saying go? "It's like not having sex with your spouse so the next person can enjoy them more." :oops: You have a 911 Turbo. Fantastic ...
by joeblow
Sat Oct 21, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a new role with same employer - salary negotiation
Replies: 17
Views: 2820

Re: Applying for a new role with same employer - salary negotiation

I'll disagree with some of the above, if you are a top performer you should apply and ask for a larger amount. If you are average you will likely start at the bottom of the pay scale and work your way up. In my experience, the top performers do not have to actually apply for a new position, or if t...
by joeblow
Mon Oct 09, 2017 10:21 am
Forum: Personal Investments
Topic: Windfall and advice
Replies: 52
Views: 7685

Re: Windfall and advice

I agree with a lot of the points here. I am just wondering if for my sanity low fee advisors may be worth it. It’s painful to see your portfolio drop 50k in a day. 500k in a day or a few would be very stressful. You do not have time to rebalance once or twice a year, but have time to watch daily fl...
by joeblow
Wed Sep 27, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 16569

Re: What is your favorite reasonably priced bourbon?

Blanton's...if you can find/buy it. Hands down the best for the price. IMHO Stagg...if it's priced right (completely different from Blanton's) Eagle Rare...great whiskey for the price Pendelton...awesome Canadian blend if you want something smooth Bulleit...is even lower priced option, often at Cost...
by joeblow
Thu Sep 07, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 7431

Re: Wife believes 7+% returns from stock market are guaranteed

Didn't research any old posts...you're wife needs a reality check.
by joeblow
Thu Sep 07, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 15492

Re: Companies/Brands You Love?

Maui Jim sunglasses
by joeblow
Wed Aug 30, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor or Pay Down Loans?
Replies: 20
Views: 2093

Re: Mega Backdoor or Pay Down Loans?

Option 2. If it makes you feel better you can put the extra money into the Roth assuming you are making more than a 4% return, and if/when the stock market corrects pay down the loan for a 4% return. Disclosure: I max my mega-backdoor roth while having ~$50K in student loans left at 2%. Another cons...
by joeblow
Mon Jul 24, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 9694

Re: How much electricity are you using and how expensive it is?

Flat rate year around ~$125. If you are not on a flat rate schedule, and it is available, I would suggest you do so. This is for both gas and electric in a high desert climate. Biggest expense is heating in the winter. 3700 square foot house with 2 furnaces and 2 air conditioning units. I'm amazed a...
by joeblow
Sun Jul 23, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 24083

Re: Are you finding any good values at Amazon anymore?

Did not read all the responses, but I place a high value on convenience, have Prime, so things I need/want show up in two days and I do not have to set foot inside a mall or big box store...so yes.
by joeblow
Sat Apr 29, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a new role with same employer - salary negotiation
Replies: 17
Views: 2820

Re: Applying for a new role with same employer - salary negotiation

I'll disagree with some of the above, if you are a top performer you should apply and ask for a larger amount. If you are average you will likely start at the bottom of the pay scale and work your way up. In my experience, the top performers do not have to actually apply for a new position, or if th...
by joeblow
Sat Apr 22, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should some professions tell people how much they make?
Replies: 39
Views: 6538

Re: Should some professions tell people how much they make?

Sounds like you have to work harder and not expect things to be handed to you.
by joeblow
Tue Apr 11, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot good 1st vehicle for teen?
Replies: 46
Views: 5142

Re: Honda Pilot good 1st vehicle for teen?

Hmmm?...a (presumably) paid for, reliable car that your wife doesn't want to drive anymore?

I hope your wife enjoys her new (used) car and the kid appreciates getting a nice vehicle handed to him.

Too much overthinking on this thread. :beer
by joeblow
Wed Mar 08, 2017 1:21 am
Forum: Personal Investments
Topic: Vanguard doesn't understand Mega-Backdoor
Replies: 55
Views: 9564

Re: Vanguard doesn't understand Mega-Backdoor

I did not read all the posts because frankly...TLDRDC, but I have completed a mega-backdoor roth contribution with vanguard without problem. You have to do it "manually" (aka over the phone and via snail mail) but it worked seamlessly. You do have to get the right person on the phone, but that is si...
by joeblow
Wed Mar 08, 2017 12:53 am
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 12492

Re: How much do you spend on food in a year?

Glad to see a few other "big" spenders on the board. According to mint.com we spent ~$33K last year in the "Food & Dining" category. I figured it was pretty high as we spend at least $200-500 per week at Costco and the grocery store (this includes all items such as lawn furniture, luggage and househ...
by joeblow
Mon Mar 06, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 5188

Re: Describe your Reasonable Dream Home

Pretty much there now... 3700 square foot home, single story with an 1100 sq/ft garage. 5 bedrooms with 3 being used all the time. Sitting on a little over an acre with uninterupted views of the mountains. Great neighborhood that is out of the main part of the city. Deer, rabbits, coyotes pretty muc...
by joeblow
Mon Feb 27, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 8224

Re: Electric Toothbrushes - again

Look no further than Sonicare. Recommendation by a dental hygienist friend. Take it for what free internet recommendations are worth.
by joeblow
Fri Feb 24, 2017 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1602
Views: 406831

Re: Share your net worth progression

These are just retirement accounts since we don't track everything in one place. Rough numbers... $50K 12/31/05 $80K 12/31/06 $107K 12/31/07 $104K 12/31/08 $162K 12/31/09 $219K 12/31/10 $250K 12/31/11 $320K 12/31/12 $435K 12/31/13 $520K 12/31/14 $595K 12/31/15 $750K 12/31/16 With $106K in student lo...
by joeblow
Thu Dec 01, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 57
Views: 9557

Re: Buy iPhone 7 or Wait for iPhone 8

I recently upgraded my wife from a 5 to a 7 - That's a nice wife upgrade! ;) Sorry, couldn't resist. OP...I have to get a 7+ for work (upgrading from a 6+). My preference would be to not upgrade and wait to see what the next one looks like. Hopefully it comes with a traditional headphone jack. :oops:
by joeblow
Wed Nov 23, 2016 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone here used American Family Insurance?
Replies: 11
Views: 2268

Re: Has anyone here used American Family Insurance?

Had them. Had one claim. They were a complete pain in the ass to deal with. Had to get local agent involved and it only got resolved after a threat of a bad faith claim. In fact, they cut a check real quick after that. I dropped them shortly thereafter. I figure if you are going to have to fight for...
by joeblow
Wed Nov 23, 2016 12:19 am
Forum: Personal Consumer Issues
Topic: Karate/Taekwondo for an 8 year old?
Replies: 35
Views: 4519

Re: Karate/Taekwondo for an 8 year old?

+1 for BJJ. Amazing sport/activity for a lot of different reasons. We try for at least one class per week on top of the "normal" sports of soccer, basketball, volleyball, baseball, skiing and dance lessons for our 6 and 9 year olds. I'm trying to figure out how to start going myself.
by joeblow
Wed Nov 02, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 10589

Re: Best Ear Buds for Running

Hi all- I am in need of new ear buds and figure there might be some good suggestions to be found on the forum. I have been a huge Bose fan for a while now. I run a moderate amount- probably around 2-3 times per week for about 30-45 minutes each time. I have had the Sound Sport ear buds for about a ...
by joeblow
Tue Oct 18, 2016 10:21 pm
Forum: Personal Consumer Issues
Topic: Wireless Headphones
Replies: 17
Views: 2396

Re: Wireless Headphones

Bose noise cancelling headphones are worth every penny if you travel a lot. I've had the on-ear, over-ear and in-ear versions. I prefer the in-ear version for most trips because they don't take up a lot of room and most of my trips are under 2 hours. For longer trips I find the on-ear version to get...
by joeblow
Fri Oct 07, 2016 1:20 am
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 10058

Re: Johnnie Walker Blue worth the cost?

Glenlivet Nadurra is my recommendation. Runs about $80 bucks a bottle. :beer I'll second. Nice and bright, not too harsh. I'd for sure appreciate a bottle of Johnny walker blue as a gift even if it were just for the novelty. Everyone wants to at least try it or have a bottle on their shelf because ...
by joeblow
Thu Jun 09, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 18396

Re: Your shopping strategy for new tires?

Go to Discount Tire (America's Tire in some places). Good prices and great service. I've purchased my last 5 sets from them.
by joeblow
Thu May 05, 2016 9:15 pm
Forum: Personal Investments
Topic: Need help with AA in our accounts--please.
Replies: 10
Views: 879

Re: Need help with AA in our accounts--please.

Bump for the night crowd. 300+ views and just a few responses.
by joeblow
Thu May 05, 2016 6:46 pm
Forum: Personal Investments
Topic: Need help with AA in our accounts--please.
Replies: 10
Views: 879

Re: Need help with AA in our accounts--please.

Age: 41 Desired Asset allocation: 80% stocks / 20% bonds ??* Desired International allocation: 10-20% of stocks ??* 20% bonds is aggressive at age 41. I would recommend 30% of bonds. As for international, Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See ...
by joeblow
Thu May 05, 2016 6:43 pm
Forum: Personal Investments
Topic: Need help with AA in our accounts--please.
Replies: 10
Views: 879

Re: Need help with AA in our accounts--please.

hafjell wrote:https://www.vanguard.com/pdf/ISGGEB.pdf

VG paper on int. in stock portfolio.
Thank you for finding and posting that.
by joeblow
Thu May 05, 2016 6:43 pm
Forum: Personal Investments
Topic: Need help with AA in our accounts--please.
Replies: 10
Views: 879

Re: Need help with AA in our accounts--please.

Lou354 wrote:Your desire for "autopilot" and "set it and forget it" suggest a target retirement fund in your tax advantaged accounts.
Tempting. And maybe that is the right approach. However, I feel that I'd like to try to get the best option.
by joeblow
Thu May 05, 2016 1:03 pm
Forum: Personal Investments
Topic: Need help with AA in our accounts--please.
Replies: 10
Views: 879

Re: Need help with AA in our accounts--please.

5. What questions are we not asking that we should be? You might spend some more time investigating basic AA questions such as stock vs. bond percentages and percentage of international within the stock allocation. 25% bonds at your age is still very aggressive and will offer returns without extra ...
by joeblow
Thu May 05, 2016 12:42 pm
Forum: Personal Investments
Topic: Need help with AA in our accounts--please.
Replies: 10
Views: 879

Need help with AA in our accounts--please.

We would very much appreciate help in allocating our accounts the Boglehead way. We posted 5 questions at the end. I tried following the format from the sticky, but I am happy to provide additional information if needed. Thank you in advance. Emergency funds: Check. Debt: $68K his student loans, 2% ...
by joeblow
Sun May 01, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: Any Jeep auto buyers recently
Replies: 10
Views: 1818

Re: Any Jeep auto buyers recently

2012 Jeep Wrangler 4 door rubicon. Think I paid $36K. Ordered from the factory. Sign up for Tread Lightly membership and you get 1% below factory invoice no questions asked. I know several people who have negotiated better deals, but it depends on how much time you want to spend shopping and what yo...