Search found 1716 matches

by BW1985
Sat Jul 29, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 5519

Re: Which Credit Card Companies Do You Like?

Chase for everything. Occasionally churn others but close them after.
by BW1985
Mon Jul 24, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Garage Remodeling
Replies: 14
Views: 2158

Re: Garage Remodeling

Cleaned and acid-etched floor, and allowed to dry (very important to be thorough with this step) Two coats Rustoleum epoxy (with the flakes) and one clear coat with the traction sand (It's important to not use a water based epoxy if you really want it to last - get the good stuff which is not avail...
by BW1985
Mon Jul 24, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 12408

Re: % bogleheads of overall population

Literally none of my peers have heard of bogleheads, yet all of them are in index funds as their only investments. Not sure how they figured it out but it's possible for people to have bogleheads style portfolios without reading this website. Only thing I do mostly because of bogleheads that they s...
by BW1985
Mon Jul 24, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: PMI - Why So Much Hate? [Private Mortgage Insurance]
Replies: 13
Views: 1856

Re: PMI - Why So Much Hate?

It's just an avoidable expense. You're paying to insure someone else's interests.
by BW1985
Mon Jul 24, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 10379

Re: Anyone else extremely frugal?

I'm frugal when it comes to "experiences". I hate to spend money eating out, and it's hard for me to spend money on a vacation. I also hate buying flowers for my wife, or anything else that is temporary. But if I need a tool, or a vehicle, or an appliance, I'll buy the best I can find that will las...
by BW1985
Wed Jul 19, 2017 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 68
Views: 8334

Re: Those Of You In a HCOLA - What's Your Financial Plan

As for how to manage other goals, my plan is to move to a LCOL area. I grew up in the Midwest, and I just don't see how I can have the same standard of living out here. I want my kids to be able to run around in a big backyard, and here that'll set you back a million dollars. My plan is to save up ...
by BW1985
Wed Jul 19, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 64
Views: 7691

Re: Most Americans don't trust financial advisers

Sadly too many of them still do though.

There's a reason the big boys they work for don't want any regulation/reform, it might stop the gravy train..
by BW1985
Wed Jul 19, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Where did you make your wedding album?
Replies: 8
Views: 982

Re: Where did you make your wedding album?

We used Shutterfly and were happy with what we got. Didn't want to spend a lot on a book that sits in the closet.
by BW1985
Tue Jul 18, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: The Quest for Perfection
Replies: 120
Views: 8365

Re: The Quest for Perfection

That portfolio would give me a headache. I own 3 funds.
by BW1985
Tue Jul 18, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 2451

Re: Do you guys accept first Job offer or negotiate?

What is the supply vs demand for your position? I took my first (and only) job. Ideal geography, terms, people, slightly low pay first 2 years. 10 years in and having hired 10 colleagues, I know that we think ill of ones trying to negotiate terms. We rescind and move onto the next, since we have in...
by BW1985
Sat Jul 15, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 21914

Re: How are folks handling the unprecedented rise in the market ?

The Wizard wrote: Total international is up 17% YTD
I had no idea.. wow.

85/15 equities/cash. Haven't done a thing.
by BW1985
Thu Jul 13, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 8497

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by BW1985
Thu Jul 13, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 8497

Re: Cheap eggs... how bad?

Massachusetts recently passed a bill requiring egg laying chickens to be housed in a space that averages at least a letter sized piece of paper per chicken. It was vehemently opposed by the industry. That should give you an idea about the conditions under which the chickens live. Because cramming c...
by BW1985
Thu Jul 13, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 8497

Re: Cheap eggs... how bad?

There is a difference, but you won't see it between grocery chains. We live in a town with lots of family farms, once in a while for a treat my wife will get eggs from the local farmer... around $2-$4 a dozen. The yolks are not yellow, they are dark orange. And the flavor is so different grocery st...
by BW1985
Thu Jul 13, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 8497

Re: Cheap eggs... how bad?

Factory farmed eggs, probably from battery caged hens that can't move. I'd say really bad.

Quality > Quantity. I'd rather have 1 dozen eggs from pasture raised hens than 10 dozen factory farmed.
by BW1985
Thu Jul 13, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 4813

Re: Refinishing roughed in stairs - removing carpet

That looks a lot like my results. Here's an in progress image. The risers are primed, the treads are finished. I'm test fitting the parts. The railing is gone -- to be replaced later. You can just see a raw step at the top. I recall now I used a Sawsall to remove the 2X bull nose that was under the...
by BW1985
Thu Jul 13, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 4813

Re: Refinishing roughed in stairs - removing carpet

That looks a lot like my results. Here's an in progress image. The risers are primed, the treads are finished. I'm test fitting the parts. The railing is gone -- to be replaced later. You can just see a raw step at the top. I recall now I used a Sawsall to remove the 2X bull nose that was under the...
by BW1985
Thu Jul 13, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 9466

Re: Do you consider business travel to be a perk or a burden?

Of course, it is a negative. It is like asking if a long commute is a perk or a burden. Also, I would say it is an uncompensated expense. As a represented employee I was compensated for "commuting", I travailed on company time. Room and board were covered, I made a few dollars on food and didn't st...
by BW1985
Wed Jul 12, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of real estate agent for buying new construction?
Replies: 25
Views: 2037

Re: Benefits of real estate agent for buying new construction?

No one protects your interests like you. No one. Especially not a real estate agent. Certainly, the same could be said to be true of anyone who provides a service to you, from your banker to your waiter, but the seller's real estate agent explicitly represents the seller's interest, not the buyer's...
by BW1985
Wed Jul 12, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 2165

Re: Credit card vrs checking account for utility bills

I have changed all my recurring bills - that will allow it without a fee - to cashback cards for the points. This includes, cell phones, ISP/cable and my insurance company. Gas bill, electric bill, water bill, trash bill, all charge convenience fees so we pay those with electronic billpay at the ba...
by BW1985
Wed Jul 12, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Benefits of real estate agent for buying new construction?
Replies: 25
Views: 2037

Re: Benefits of real estate agent for buying new construction?

The main advantage that I see to using a buyer's broker is to have someone who represents your interests rather than the seller's interests and of course to help screen and narrow down your choices to find the right property. I've never fully bought into this line of thinking. At the end of the day...
by BW1985
Mon Jul 10, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 6647

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

I don't think anything at Subway is healthy.

I prep all much lunches for the week on Sunday at home in pyrex glass containers.
by BW1985
Thu Jul 06, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Landlording....
Replies: 12
Views: 1916

Re: Landlording....

I like the idea to notify them that you have decided to sell the property and provide written notice of termination of the month-to-month agreement. What does the lease state for notice required, 30 days, 60 days? Charging late fees at this point if it wasn't in your original lease isn't worth the t...
by BW1985
Thu Jun 29, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7743

Re: Negotiating a House Using Seller's Agent (opinions wanted)

livesoft wrote:And choose an appraiser who will come in low in order to give you negotiating leverage.
I thought the lender chooses the appraiser? When I purchased my home the lender arranged for the appraisal, paid for it directly then added it into the closing fees.
by BW1985
Wed Jun 28, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434839

Re: U.S. stocks in freefall

Every time I see this front page I think the market must be down big today, then I check and it's actually up. :oops:
by BW1985
Tue Jun 27, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 27
Views: 3275

Re: Realtor fee negotiations

... I knew what house I wanted and only needed an offer written...Ultimately I found somebody that gave me a 1% kickback for the purchase price of the home. Between everything involved, I'd say they worked 5 hours max. Not bad for the other 2% of a 600k deal. ... Being a buyer is a totally differen...
by BW1985
Tue Jun 27, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 27
Views: 3275

Re: Realtor fee negotiations

I am not a realtor but in the development business. Most people who go the FSBO route do save commissions, but they sell for a lesser price than a full service realtor and thus actually ending up netting less . In my business of buying and selling real estate I've found a good realtor is invaluable...
by BW1985
Tue Jun 27, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 17925

Re: Anyone else gotten totally bored with investing?

To those who replied you have reduced the number of positions in your portfolio to a few index fund holdings, reduced the number of investment accounts, reduced the desire to look at your account value, reduced your number of rebalancings, and have become board with investing, CONGRATULATIONS! You ...
by BW1985
Mon Jun 26, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 11942

Re: Where to find a financially like-minded significant other?

itstoomuch wrote:nedsaid, do you have a daughter? We have a fiscally and financially accomplished son in Seattle, homeower, will inherit. :mrgreen:
Boglehead arranged marriages. lol
by BW1985
Mon Jun 26, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 11942

Re: Where to find a financially like-minded significant other?

I feel for you, but I also think it's important to realize that most individuals grow together as a couple and tend to meet toward the middle when it comes to habits and preferences. I don't mean to imply that women will change themselves to be with you (although many do tend to do this even uncons...
by BW1985
Mon Jun 26, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 20264

Re: Sam's Club vs. Costco

Costco has Top Tier gas, Sam's Club does not. Please explain the term "top tier" gas. Around here, there are almost no brand name stations left, just convenience stores. One convenience chain sells CITGO branded gasoline. I never really looked at any one of these as being any better than another. D...
by BW1985
Mon Jun 26, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 20264

Re: Sam's Club vs. Costco

Costco and it ain't even close. That said, I wouldn't drive 90 minutes to go there.
by BW1985
Thu Jun 22, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?
Replies: 22
Views: 2879

Re: House Closing is Tomorrow! Here are the Closing fees .... am I being ripped off?

I paid $575 application fee but lender paid for the $500 appraisal (via lender credit). This stuff can be negotiated at the beginning when you're choosing your lender.

You can also get quotes from various titling companies and negotiate their rates. I saved $100 doing that.
by BW1985
Sun Jun 18, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7743

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Also, a house of similar size on the same street just sold for $330,000. The lot is not flat and there is only a 2 car garage, but it would be considered a comp. This would suggest that the home for sale would not appraise high enough for a loan in the range the sellers are asking for. A buyer's ag...
by BW1985
Sun Jun 18, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7743

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Use the seller's agent against them... Speak with the seller's agent and offer to list your current property with them if you close the deal for the new house. Up your offer by $5k so the seller's agent has something positive to talk about. Watch and enjoy as the "seller's" agent convince the selle...
by BW1985
Fri Jun 16, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 14611

Re: Amazon Buys Whole Foods

Amazon is on the low price/value end and WF is currently on the higher priced/premium end so this will be interesting. They both provide excellent customer experiences though IMO and I enjoy shopping at both. The WF in Chicago and Charlotte are the nicest grocery stores I've ever been to. Where in ...
by BW1985
Fri Jun 16, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 14611

Re: Amazon Buys Whole Foods

Amazon is on the low price/value end and WF is currently on the higher priced/premium end so this will be interesting.

They both provide excellent customer experiences though IMO and I enjoy shopping at both. The WF in Chicago and Charlotte are the nicest grocery stores I've ever been to.
by BW1985
Tue Jun 13, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 734
Views: 202810

Re: Share your net worth progression

We've estimated that the last one probably cost us an extra $90,000 - $100,000 total since was born in 2012. Maybe a little more. That is on the high side considering the following quote: The average cost of raising a child born in 2013 up until age 18 for a middle-income family in the U.S. is appr...
by BW1985
Tue Jun 13, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 34272

Re: Capital One 360 $200 bonus

Finally got my bonus, had to call customer service to get it. They were very nice about it though.

Citi on the other hand I'm done with. Never got my bonus miles from their American Airlines card.
by BW1985
Mon Jun 12, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 734
Views: 202810

Re: Share your net worth progression

LFKB wrote:Full update for the two of us below

2008: graduated college - maybe $40k
2009: $100k
2010: $200k
2011: $400k
2012: $620k
2013: $850k
2014: $1.15M
2015: $1.6M
2016: $2.1M
2017: $2.8M
How did you do that?? What's your income?
by BW1985
Thu Jun 08, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 13331

Re: Dave Ramsey Financial Peace University ??? worth it?

Quite unfortunate that his 12% (now 10%) returns are pretty lofty and potentially dangerous. Still 12% as of listening a couple days ago. It's easy to average that if you look for good growth stock mutual funds, it's not rocket science according to him. He also doesn't believe in bonds so even reti...
by BW1985
Thu Jun 08, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 13331

Re: Dave Ramsey Financial Peace University ??? worth it?

Dave is a behavior coach and has successfully brought that mentality into personal finance advice. I don't think it's fair to call it a scam. Five years ago, we were disorganized with our money. We started listening to and mostly following Dave Ramsey's advice. It changed our habits and we can draw...
by BW1985
Wed Jun 07, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3895

Re: Cricket Wireless Groups

Can people have different plans within the same group? If so how does the pricing work? I just assumed it would be the 5 lines for $100 ($20/each) but if someone has the unlimited plan I'm guessing it won't be.
by BW1985
Wed Jun 07, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Buy car in cash ... or invest / lease
Replies: 26
Views: 3210

Re: Buy car in cash ... or invest / lease

wondering if they'd lower the price if I offered to pay in full ... never really considered doing this, but now in a position to do so (helps being over the whole "luxury car" thing) again, I have til December was just trying to get the boglehead consensus. thinking larger down payment / smaller mo...
by BW1985
Wed Jun 07, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 8259

Re: Housing is too expensive.

Move to a LCOL area. We live in a beautiful suburb in West Tennessee and have our house on the market. It is 5,000 sf, on a one acre lot, and is eight years old with many upscale features. Listing price $639,900. Our total incomes were just above the $140,000 top you mention, we invested well, and ...
by BW1985
Wed Jun 07, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Dave Ramsey Financial Peace University ??? worth it?
Replies: 120
Views: 13331

Re: Dave Ramsey Financial Peace University ??? worth it?

His podcasts are free and it's the same information over and over and over... and exactly what you'd get in the class. So that is a free option. As others have said the real benefit to the class may to be get on the same page and same commitment level with your spouse. The class just facilitates tha...
by BW1985
Tue Jun 06, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 55
Views: 7080

Re: Mouse In Apartment

We had one in our house, still no idea how it got in. Cat chased it behind the fridge one night otherwise it could've been awhile before we knew it was in the house. Snap trap w/ peanut butter worked the same day. IMO the glue traps or anything else that tortures the things are pretty sick and shoul...
by BW1985
Tue Jun 06, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 7566

Re: Financially independent and then market crashes?

SWR of 4% (25x) is based on 30 year drawdown. People FI in their 30's and 40's need a lower SWR / more like 33x.
by BW1985
Tue Jun 06, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 31
Views: 3895

Re: Cricket Wireless Groups

DSInvestor wrote: You can still get a $25 credit for every successful referral you make, up to $250 in credits a year. Download the Cricket Rewards app today to start referring.
Thanks. Didn't realize it had changed.