Search found 82 matches

by sailfish2
Wed Mar 18, 2020 3:02 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56961

Re: How Is Your Job Being Impacted By The Current Crisis?

I am a government attorney and we have been given the option to come in to the office or to work from home. I am opting for the office as long as I can. Hubby already works from home and we will be on each others' nerves. I function much more productively in the office. We are social distancing in o...
by sailfish2
Wed Mar 11, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Weird Things You Do To Save Money & Invest More?
Replies: 33
Views: 2210

Re: Weird Things You Do To Save Money & Invest More?

CrossOverGuy wrote: Wed Mar 11, 2020 1:08 pm I had an uncle who used to re-use tea bags. I've also heard of people who wash off coffee grounds from filters, dry them and re-use as well. Whether this is advisable, who's to say?
:shock: Good coffee is a justifiable expense for me. YMMV
by sailfish2
Wed Mar 11, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home 3x income ?
Replies: 28
Views: 3536

Re: Buying a home 3x income ?

I think it's a max, not a recommended allocation.
Some of us prefer to "under buy", because we can do so in our area. Additionally, some folks prioritize having a second home, a RV, boat or expensive hobby that takes up discretionary income (raises hand).
by sailfish2
Wed Mar 04, 2020 3:44 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett purchased a million more shares in the recent sell-off. Are you smarter?
Replies: 27
Views: 3585

Re: Warren Buffett purchased a million more shares in the recent sell-off. Are you smarter?

Uncle Warren's "holding period" for Berkshire is probably much, much longer than mine. I bet it's not for an airline. He hates 'em. Berkshire owns 10% of American Airlines, 11.2% of Delta, 10.4% of Southwest Airlines and 8.8% of United Airlines. Holdings are as of December 31, 2019 as rep...
by sailfish2
Tue Mar 03, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC lender recommendations
Replies: 13
Views: 1034

Re: HELOC lender recommendations

I used my local small credit union that serves my government employer, of which I am a member.
The process was very smooth and the fees were minimal. If a credit union is an option for you, I definitely recommend it
by sailfish2
Tue Jan 08, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 271
Views: 25830

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Are you committed to South Florida in the long term? I ask because I moved from Fort Lauderdale to Central Florida, and the decrease in cost of living is significant. While you may not be able to do this soon, I would seriously consider the Tampa Bay area if you are not bound to Southeast Florida.
by sailfish2
Wed Jul 18, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 11986

Re: Why own a bed?

rgs92 wrote: Mon Jul 16, 2018 10:54 am So in Arizona there are scorpions inside the house? That would scare me from living there or even visiting.
They are in other locations too. I have seen them both in central Mexico (san Miguel de Allende) and Tuscany. :shock:
by sailfish2
Wed Jul 18, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 7846

Re: $540 a month on food for graduate student budget too much?

I get that inflation has occurred since I was in school, but yes, I would say you are way above a reasonable budget. I would recommend investing in a slow cooker. There are many tasty meals you can make ahead and freeze (lots of recipes online). The excess money you save in your budget can be alloca...
by sailfish2
Wed Jun 13, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 180
Views: 43264

Re: Bogleheads, tell me about your 40's?

I am about to turn 42. I am not the most conventional 40something, as I do not have children. I have come to realize I am OK with that decision. I have a long term partner and he is OK with it as well. So far, what I can say is that my 40s have treated me well. In my late 30s, I obtained my current ...
by sailfish2
Wed Jun 13, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Light Camping Trailer
Replies: 47
Views: 6137

Re: Light Camping Trailer

I have a pop up camper that I tow with an outback. It weighs only 1500 pounds. It has a little fridge, water tank and pump sink, roof AC and propane furnace. I would recommend buying a pop up camper used from a dealer. There are plenty of good gently used pop ups available, as many people "trad...
by sailfish2
Wed May 23, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 11774

Re: Dave Ramsey it or keep low interest debt

Do people actually take DR seriously? 🙄 I think many people here think DR is great for helping people get out of monstrous debt. Maybe one of the best. But I think most would not have great things to say for DR's investment advice. This. I can only imagine how much lower my 401K and IRA investment ...
by sailfish2
Mon May 21, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Birmingham AL and Gainesville FL (?)
Replies: 7
Views: 1154

Re: Birmingham AL and Gainesville FL (?)

I'd opt for Gainesville myself. When will you be going? It is true that being there during football season would be a PITA, but if you have a place of residence locked down, not a deal breaker. I live in Central Florida and have spent some time in Gville. In addition to all the amenities Tech Arch m...
by sailfish2
Thu May 17, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: somebody is using our address
Replies: 45
Views: 8384

Re: somebody is using our address

Clever_Username wrote: Wed May 16, 2018 1:13 pm If this were happening to me, I would be particularly worried about items purchased with stolen credit cards and possibly illegal materials being shipped that I could be blamed for.
The first thing I thought of was that he is shopping online on the Dark Web. :shock:
by sailfish2
Fri May 04, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 49
Views: 6818

Re: Family vacationing

Earlier today I booked a 28 foot camper foe 3 days in August. ($300). It sleeps six people. The guy will park it at the site and pick it up ($250). I do not have a suitable vehicle to tow it. We will go in our minivan. All food will be in ice boxes and we will cook it on site. Park reservations wil...
by sailfish2
Fri May 04, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Redesigned 2019 Forester - details now available
Replies: 21
Views: 5055

Re: Redesigned 2019 Forester - details now available

Had a 2003 Forester and suffered through two head gasket replacements (even though Subaru claimed the defect was fixed by my model year). Also the seats were too hard.. but I did get 217,000 miles on it and had fun doing donuts in the snow! Ugh, the dreaded head gasket issue is common with older mo...
by sailfish2
Wed May 02, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Nontraditional Cruising
Replies: 21
Views: 3294

Re: Nontraditional Cruising

I also have read about renting a Captain/boat in the Caribbean. If you have a few couples it isn't that costly to split and they typically have a small crew (often Captain and his wife) that cooks/cleans and will take you anywhere you want to go. Yes- especially if you choose one of the charter are...
by sailfish2
Wed May 02, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Nontraditional Cruising
Replies: 21
Views: 3294

Re: Nontraditional Cruising

I feel the same way about "floating city" cruises. Both my suggestions use different ships that change the experience: Windjammer (in the Caribbean) or similar operations elsewhere use tallships. While the ships have engines, whenever possible they sail. Much smaller ships mean a limited ...
by sailfish2
Mon Apr 23, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Lawyers: Career Advice (Urban to Rural?)
Replies: 21
Views: 2816

Re: Lawyers: Career Advice (Urban to Rural?)

Would you consider remaining in government, either with the feds or a state or local agency? Once you are in the federal system, I understand that you will have some benefit as previous federal employment confers a hiring preference (based on my experience). AUSA would be a solid gig, depending on y...
by sailfish2
Tue Apr 17, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Allegiant Airlines...Anyone watch CBS 60 Minutes?
Replies: 55
Views: 15238

Re: Allegiant Airlines...Anyone watch CBS 60 Minutes?

I live in the Tampa-St. Pete area and Allegiant is by far the largest airline flying from the St. Pete–Clearwater International Airport, which is on the other side of Tampa Bay from Tampa International airport (TPA). I've watched over the last several years as Allegiant has had very frequent issues...
by sailfish2
Fri Mar 30, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Hole Repayment
Replies: 38
Views: 4813

Re: Debt Hole Repayment

I would look into a personal loan with SoFi or a similar provider. It will allow you to pay that CC debt off at a reasonable IR.
by sailfish2
Tue Mar 20, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 17874

Re: Large life style creep that was completely worth it

Car with leather heated seats. This is one that I think is impossible to undo. :) After the first winter with them, they becomes a necessity, and cars that don't have them are automatically excluded from consideration. Not necessarily a splurge, if your car is a reasonably priced, pre owned model (...
by sailfish2
Tue Mar 20, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Modest stereo system
Replies: 64
Views: 6088

Re: Modest stereo system

Sonos provides great sound quality, convenience, flexibility and value. It's all wireless. It will be able to connect whatever you have. You can start off with a few components and add to it to meet your budget and interests. To get noticeably better sound quality you will need to spend at least do...
by sailfish2
Mon Mar 12, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 88
Views: 11975

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

DO NOT use HRB for online filing.

When online filing, they did not give me the option to deduct sales tax! :oops: If I had not caught this I would have missed out on $500 of refund :moneybag

Yikes !
by sailfish2
Mon Mar 12, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 11502

Re: traveling to mexico, should I be concerned?

If you're going to buy any drinks at all, do it from the hotel/resort, and make sure you watch them either open the container (beer) or mix the drink. TheExMex Given the recent issues with tainted/bootlegged alcohol in Mexico, watching the bartender make a mixed drink would still not alleviate conc...
by sailfish2
Thu Mar 01, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Lease turn in vehicles a good buy?
Replies: 14
Views: 2016

Re: Lease turn in vehicles a good buy?

My partner recently found a great deal on an off-lease vehicle that was in great shape, with about 32,000 miles on it. We found it at a dealership that specializes in off-lease vehicles. One advantage is that drivers who lease generally take good care of the interior because they know they will be h...
by sailfish2
Wed Feb 28, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 590
Views: 52672

Re: What UN-frugal thing do you do?

Past several years we've spent 6-8k/yr on our dogs. From food, vet, boarding, etc. I'm shocked how quickly it adds up yearly. I've never added up our dog expenses but I'm sure it's similar. My wife says I treat the dog better than I treat her. And she's probably right. I told her dogs are better be...
by sailfish2
Tue Feb 27, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 13518

Re: Florida in the summer

Living close to the east coast means you get a sea breeze in the evening, which cuts the humidity. I relocated to west central Florida from Fort Lauderdale a few years ago, and I miss the evening sea breeze in summer. Summer evenings are hot and humid in the Tampa Bay area. However, the MUCH lower c...
by sailfish2
Mon Feb 26, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Talk some "cents" into me- Home Improvement
Replies: 33
Views: 2154

Re: Talk some "cents" into me- Home Improvement

I would be a little hesitant considering the amount of times your DW has been laid off. How much of a stretch is it to live on your income when she is unemployed? Would you have to eat into your EF substantially? What prospects does she have in the event of another layoff? I noticed you are employed...
by sailfish2
Wed Feb 21, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 590
Views: 52672

Re: What UN-frugal thing do you do?

I own a horse :D My horse was a racetrack reject and cheap initially, but the ongoing costs are considerable. I do not compete in pricey competitions/shows (only in low-cost local competitions at this time). Any way your slice it though, it's a pricey hobby. I make a good income, save well for retir...
by sailfish2
Mon Feb 19, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: IKEA Kitchen Cabinets?
Replies: 6
Views: 1411

Re: IKEA Kitchen Cabinets?

Thanks, Cat's PJs! I tried to search for old threads on the subject but came up empty.
Kix, that's what I was concerned about. I thought the ones in the store seemed okay but worry about how they hold up over time.
by sailfish2
Mon Feb 19, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: IKEA Kitchen Cabinets?
Replies: 6
Views: 1411

IKEA Kitchen Cabinets?

Has anyone had experience purchasing kitchen cabinets from IKEA and having them professionally installed? They seem like a really good deal for the quality and organizational features, plus they meet standards for low-formaldehyde emissions from engineered wood. The downside is I am only aware of on...
by sailfish2
Thu Feb 01, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stop contributing to 401(k) to pay off debt
Replies: 44
Views: 3930

Re: Should I stop contributing to 401(k) to pay off debt

I would not stop contributing to a 401k to pay off that piddly interest or create "wiggle" room in my budget. You'll just end up wasting a lot of money on tax, and you'll permanently lose that valuable tax deferred space. I could see paying my parents off and keeping a reserve to pay back...
by sailfish2
Sun Oct 04, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: How Much House Should We Buy?
Replies: 29
Views: 3859

Re: How Much House Should We Buy?

If I was married with kids (and I'm not, life didn't work out that way for me), I'd follow Crit's principle of affording a home on one income. The book the Two Income Trap by Elizabeth Warren informs this. The book is dated but still relevant. No matter how well you plan, you cannot anticipate all t...
by sailfish2
Tue Jul 21, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 9996

Re: losing money on a house....how do Bogleheads deal with it emotionally?

This is a tad off topic, but can anyone discuss the validity of renting out the house in this scenario? My intuition says this would be better than selling at a loss, but I'm not sure. Being a long distance landlord is difficult - most likely, the OP would need to work with a property manager which...
by sailfish2
Tue Jul 21, 2015 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 9996

Re: losing money on a house....how do Bogleheads deal with it emotionally?

I would recommend looking at the decision to move more holistically. I was more concerned about what OP said about the career situation. It does not sound like moving back to city A would yield positive career results at all. Yes, moving to a new city and establishing a social circle is TOUGH. I get...
by sailfish2
Tue Jul 21, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Today I paid off my law-school student loans
Replies: 37
Views: 6271

Re: Today I paid off my law-school student loans

:sharebeer Excellent! I'm also an attorney, and working in government rather than BigLaw. I agree that the tradeoff is worth it :) I appreciate your story. I still have a big chunk of student loans left from a private law school, but I have not been as focused on paying them as you have. I also went...
by sailfish2
Thu Jul 16, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 11157

Re: Suze Orman Show Summary

I miss her show and wish it was still on. It was very valuable for a large part of the population, who may be late to financial planning, or just learning. I got wise financially (in my early 30s) thanks in large part to her show and books. Plus, her goofy style and delivery was entertaining. Dave R...
by sailfish2
Mon Jul 13, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: VRBO illegal rental [Vacation Rentals by Owner]
Replies: 53
Views: 21772

Re: VRBO illegal rental

I've started leaning more towards rentals through agencies with an actual physical office in the location I am visiting. They may be advertised on VRBO or airbnb, but they also typically have their own website and list a license/tax id. It may cost a little more, and it is still not an absolute gua...
by sailfish2
Mon Jul 13, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Check Up
Replies: 7
Views: 1577

Re: Financial Check Up

6.5 % is a high interest rate on that SL (different from the guy who asked about the 3.5 rate in the other thread re student loan payoff). Additionally, $18,000 is a manageable amount to pay off quickly (unlike the large amount in the other thread), so I'd get it paid off. You know that the car flee...
by sailfish2
Mon Jul 13, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loan in 2016?
Replies: 23
Views: 3475

Re: Pay off Student Loan in 2016?

There's no prize for being student loan debt-free (other than the "prize" of having less money when you retire).
Well said - I'd rather have plenty of additional retirement funds than be able to scream into the telephone on the Dave Ramsey show. :o
by sailfish2
Mon Jul 13, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loan in 2016?
Replies: 23
Views: 3475

Re: Pay off Student Loan in 2016?

I am a late 30something single person who took the advice of the majority here. I am confident that my total IRA /457 balance is MUCH greater than it would have been had I prioritized paying out my school loans. I'm doing quite well with retirement savings. I still have about $60,000 to go on federa...
by sailfish2
Thu Jul 09, 2015 9:27 am
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 25424

Re: Worst financial book you have read (or will admit you have read)

gatorking wrote:The worst "financial" book I read has to be Rich Dad, Poor Dad by Robert Kiyasaki.
LOL. If I see an online dating profile that lists this book, "instant dealbreaker"!
by sailfish2
Fri Jun 26, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Couples and money and compatibility
Replies: 38
Views: 13733

Re: Couples and money and compatibility

OP, Check out this article. http://www.huffingtonpost.com/2013/07/12/divorce-study_n_3587811.html Arguing about money is the top predictor of divorce, according to Sonya Britt, a Kansas State University researcher. On Friday, she shed light on her research, which found that couples who argued about...
by sailfish2
Fri Jun 26, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think this is a smart budget ?
Replies: 17
Views: 3772

Re: Do you think this is a smart budget ?

What about medical expenses? Pharmacy expenses and co-pays?

Do you have pets? If so, I like to break out a separate line item for pet care and vet costs.

Are vacations included in Misc/Extra? What about children's activities (sports, clubs, field trips)?
by sailfish2
Fri Jun 26, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Pay student loan off at 2.875%? - otherwise, 14 years to go
Replies: 52
Views: 9347

Re: Pay student loan off at 2.875%? - otherwise, 14 years to go

I would set it on autopay and let it ride. I would invest additional $$ without regard for this loan, but probably not in CDs... My SL balance is higher, and at an interest rate a bit higher than OP (3.13) and I prefer this strategy. The money I would otherwise spend paying it off I spend on additi...
by sailfish2
Thu Jun 25, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: buying a home with daughter and son in law
Replies: 17
Views: 6658

Re: buying a home with daughter and son in law

Lafder's advice is excellent.
by sailfish2
Thu Jun 25, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Couples and money and compatibility
Replies: 38
Views: 13733

Re: Couples and money and compatibility

I dodged the bullet in ending a long term relationship which was Cat 3, based on financial and other issues, before marriage. He was a real spendthrift, constantly upgrading electronics and changing from one expensive hobby to the next, ate out all the time, just simply did not pay attention to a bu...
by sailfish2
Thu Jan 15, 2015 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend good LTC insurance provider
Replies: 1
Views: 422

Recommend good LTC insurance provider

I am looking for recommendations for long term care policy providers for my parents. I have been nudging them to begin LTC insurance and I think having a concrete recommendation for a number to call will be helpful. Thanks in advance.
by sailfish2
Wed Nov 19, 2014 9:54 am
Forum: Personal Consumer Issues
Topic: Custom House in Florida
Replies: 11
Views: 2776

Re: Custom House in Florida

I haven't built or renovated in Central FL, but I have lived in Central and South FL for years. Your architect should be mindful of the facing of the house , the large windows in particular, in relation to the sun angles. I had a west facing patio/sunroom that was entirely uninhabitable in the after...
by sailfish2
Mon Nov 17, 2014 2:05 pm
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 43
Views: 8031

Re: Experience with Target Redcard?

I just signed up for the debit card, saving 5% on my purchase yesterday (which Target paid me back immediately in cash). They asked for a blank check just to take down my account info, but gave it right back. They told me that shipping from the website would be free, and I cannot argue with that. Ta...